Malik Nabers says calling the Giants 'soft' was wrong but he doesn't regret speaking outNEW YORK —The New York Department of State’s Division of Consumer Protection is providing tips to help consumers navigate return and refund policies. According to the National Retail Federation, this year’s holiday weekend from Thanksgiving Day through Cyber Monday set record levels for consumer spending. The State of Retail Returns 2024 Report states $743 billion dollars’ worth of merchandise were returned last year. However, policies vary from store to store, making returns and refunds a challenge at times. Consumers should be aware of laws that protect them so they can make informed decisions about holiday returns and understand what to look for when reviewing return and refund policies. “As the holiday shopping season comes to an end, both gift givers and receivers may have changed their minds about what they bought,” Secretary of State Walter T. Mosley said in a news release. “But depending on where you’re returning the items, there may be some limitations. It’s important for consumers to pay attention, prior to purchase, the return and refund policy so you can exchange that item you’ll never use for something you love.” The Division of Consumer Protection offers the following tips to help consumers navigate return and refund policies: Pay Attention to Return Policies: New York State law requires that stores post their refund policies conspicuously – on the item, at the store entrance or on or near the cash register. Retailers must provide a written copy of the store’s return policy when requested. New York State Law does not require retailers to accept returns; however, they must post a conspicuous notice visible to consumers before the point of sale, advising that no returns will be accepted.If the retailer does not post a return policy, the law requires the retailer accept returns of unused, undamaged merchandise within 30 days of the purchase date. The returned item must include a proof of purchase and the refund must be in the form of cash or credit based on the customer’s preference.Understand the Refund Terms: For retailers that allow returns, New York State law does not require refunds to be given in any specific manner. However, it does require the form of the refund – cash, credit or exchange – be clearly disclosed in advance of purchase. Retailers must also disclose any fees associated with the return. If no fee is listed, customers should inquire whether the store imposes a re-stocking fee for returned merchandise and determine prior to purchase if the item can be returned for a refund or only store credit. Retain Any Proofs of Purchase: Consumers should hold on to receipts in the event a product needs to be returned. If purchasing gifts, ask if a gift receipt is available. It is also advised to keep the packaging of an item, along with its confirmation number. Consumers having difficulty obtaining a refund are encouraged to file a complaint with the New York State Division of Consumer Protection. About the New York State Division of Consumer Protection Follow the New York Department of State on Facebook, X and Instagram and check in every Tuesday for more practical tips that educate and empower New York consumers on a variety of topics. Sign up to receive consumer alerts directly to your email or phone here. The New York State Division of Consumer Protection provides voluntary mediation between a consumer and a business when a consumer has been unsuccessful at reaching a resolution on their own. The Consumer Assistance Helpline 1-800-697-1220 is available Monday to Friday from 8:30am to 4:30pm, excluding State Holidays, and consumer complaints can be filed at any time at www.dos.ny.gov/consumerprotection. The Division can also be reached via X at @NYSConsumer or Facebook.
KBC Group NV increased its position in shares of Patterson Companies, Inc. ( NASDAQ:PDCO – Free Report ) by 32.7% during the 3rd quarter, according to the company in its most recent Form 13F filing with the SEC. The fund owned 2,757 shares of the company’s stock after purchasing an additional 680 shares during the quarter. KBC Group NV’s holdings in Patterson Companies were worth $60,000 as of its most recent SEC filing. Several other institutional investors also recently modified their holdings of the business. LRI Investments LLC lifted its stake in Patterson Companies by 201.2% in the second quarter. LRI Investments LLC now owns 1,262 shares of the company’s stock valued at $30,000 after purchasing an additional 843 shares during the last quarter. Mather Group LLC. grew its stake in Patterson Companies by 1,376.1% in the 2nd quarter. Mather Group LLC. now owns 1,609 shares of the company’s stock worth $39,000 after buying an additional 1,500 shares in the last quarter. Canada Pension Plan Investment Board bought a new position in Patterson Companies in the second quarter valued at $41,000. Family Firm Inc. bought a new position in Patterson Companies during the second quarter valued at approximately $45,000. Finally, Meeder Asset Management Inc. bought a new position in shares of Patterson Companies during the 2nd quarter valued at $45,000. 85.43% of the stock is owned by institutional investors. Wall Street Analysts Forecast Growth A number of equities analysts have commented on the company. UBS Group decreased their price target on Patterson Companies from $27.00 to $24.00 and set a “neutral” rating on the stock in a research note on Thursday, September 5th. JPMorgan Chase & Co. lowered their price objective on shares of Patterson Companies from $29.00 to $26.00 and set a “neutral” rating for the company in a report on Thursday, August 29th. Bank of America dropped their target price on shares of Patterson Companies from $31.00 to $29.00 and set a “buy” rating on the stock in a report on Thursday, August 29th. Robert W. Baird cut their price target on Patterson Companies from $30.00 to $28.00 and set a “neutral” rating on the stock in a research note on Thursday, August 29th. Finally, Evercore ISI reduced their price objective on shares of Patterson Companies from $23.00 to $22.00 and set an “in-line” rating for the company in a research note on Tuesday, October 8th. Nine equities research analysts have rated the stock with a hold rating and three have given a buy rating to the company. Based on data from MarketBeat.com, the stock currently has a consensus rating of “Hold” and a consensus price target of $28.30. Patterson Companies Price Performance Shares of NASDAQ:PDCO opened at $20.46 on Friday. The firm’s 50 day moving average price is $21.00 and its 200-day moving average price is $23.07. The company has a quick ratio of 0.67, a current ratio of 1.30 and a debt-to-equity ratio of 0.34. The stock has a market capitalization of $1.80 billion, a PE ratio of 11.18, a price-to-earnings-growth ratio of 1.48 and a beta of 1.02. Patterson Companies, Inc. has a twelve month low of $19.45 and a twelve month high of $32.58. Patterson Companies ( NASDAQ:PDCO – Get Free Report ) last released its earnings results on Wednesday, August 28th. The company reported $0.24 EPS for the quarter, missing analysts’ consensus estimates of $0.32 by ($0.08). The firm had revenue of $1.54 billion for the quarter, compared to the consensus estimate of $1.59 billion. Patterson Companies had a return on equity of 19.87% and a net margin of 2.58%. Patterson Companies’s revenue was down 2.3% on a year-over-year basis. During the same quarter in the previous year, the business posted $0.40 EPS. Equities research analysts expect that Patterson Companies, Inc. will post 2.32 EPS for the current year. Patterson Companies Announces Dividend The business also recently disclosed a quarterly dividend, which was paid on Friday, November 1st. Shareholders of record on Wednesday, October 16th were issued a dividend of $0.26 per share. This represents a $1.04 dividend on an annualized basis and a yield of 5.08%. The ex-dividend date was Friday, October 18th. Patterson Companies’s dividend payout ratio (DPR) is currently 56.83%. About Patterson Companies ( Free Report ) Patterson Companies, Inc engages in the distribution of dental and animal health products in the United States, the United Kingdom, and Canada. The company operates through three segments: Dental, Animal Health, and Corporate segments. The Dental segment offers consumable products, including infection control, restorative materials, and instruments; basic and advanced technology and dental equipment; practice optimization solutions, such as practice management software, e-commerce, revenue cycle management, patient engagement solutions, and clinical and patient education systems. Featured Stories Five stocks we like better than Patterson Companies What Are Dividend Champions? How to Invest in the Champions Vertiv’s Cool Tech Makes Its Stock Red-Hot Why Are Stock Sectors Important to Successful Investing? MarketBeat Week in Review – 11/18 – 11/22 There Are Different Types of Stock To Invest In 2 Finance Stocks With Competitive Advantages You Can’t Ignore Want to see what other hedge funds are holding PDCO? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Patterson Companies, Inc. ( NASDAQ:PDCO – Free Report ). Receive News & Ratings for Patterson Companies Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Patterson Companies and related companies with MarketBeat.com's FREE daily email newsletter .
KBC Group NV raised its position in shares of Capitol Federal Financial, Inc. ( NASDAQ:CFFN – Free Report ) by 59.8% in the third quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 9,256 shares of the savings and loans company’s stock after buying an additional 3,463 shares during the quarter. KBC Group NV’s holdings in Capitol Federal Financial were worth $54,000 at the end of the most recent quarter. A number of other large investors have also made changes to their positions in the company. IFS Advisors LLC grew its position in Capitol Federal Financial by 1,865.5% during the 3rd quarter. IFS Advisors LLC now owns 4,442 shares of the savings and loans company’s stock worth $26,000 after purchasing an additional 4,216 shares in the last quarter. GAMMA Investing LLC grew its holdings in shares of Capitol Federal Financial by 153.7% during the second quarter. GAMMA Investing LLC now owns 9,653 shares of the savings and loans company’s stock valued at $53,000 after buying an additional 5,848 shares in the last quarter. Wealthstream Advisors Inc. acquired a new position in Capitol Federal Financial during the second quarter valued at $55,000. EntryPoint Capital LLC purchased a new stake in Capitol Federal Financial in the 1st quarter worth about $62,000. Finally, CWM LLC lifted its stake in Capitol Federal Financial by 533.2% in the 2nd quarter. CWM LLC now owns 11,783 shares of the savings and loans company’s stock worth $65,000 after acquiring an additional 9,922 shares in the last quarter. Institutional investors and hedge funds own 88.51% of the company’s stock. Analysts Set New Price Targets Separately, Piper Sandler lifted their target price on Capitol Federal Financial from $6.50 to $7.00 and gave the company a “neutral” rating in a research note on Thursday, October 24th. Capitol Federal Financial Stock Up 3.0 % CFFN stock opened at $6.89 on Friday. Capitol Federal Financial, Inc. has a 12-month low of $4.76 and a 12-month high of $7.20. The company has a quick ratio of 1.34, a current ratio of 1.31 and a debt-to-equity ratio of 2.11. The company has a market cap of $914.58 million, a price-to-earnings ratio of 23.76 and a beta of 0.47. The company has a 50 day moving average of $6.25 and a two-hundred day moving average of $5.83. Capitol Federal Financial ( NASDAQ:CFFN – Get Free Report ) last issued its earnings results on Wednesday, October 23rd. The savings and loans company reported $0.09 earnings per share for the quarter, topping the consensus estimate of $0.07 by $0.02. The company had revenue of $101.65 million for the quarter, compared to analyst estimates of $45.40 million. Capitol Federal Financial had a return on equity of 4.69% and a net margin of 9.95%. During the same period in the prior year, the firm posted $0.04 EPS. On average, equities analysts anticipate that Capitol Federal Financial, Inc. will post 0.45 earnings per share for the current fiscal year. Capitol Federal Financial Announces Dividend The firm also recently announced a quarterly dividend, which was paid on Friday, November 15th. Shareholders of record on Friday, November 1st were given a $0.085 dividend. This represents a $0.34 annualized dividend and a yield of 4.93%. The ex-dividend date was Friday, November 1st. Capitol Federal Financial’s dividend payout ratio is 117.25%. Capitol Federal Financial Profile ( Free Report ) Capitol Federal Financial, Inc operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products, including savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposit. Featured Articles Five stocks we like better than Capitol Federal Financial The Risks of Owning Bonds Vertiv’s Cool Tech Makes Its Stock Red-Hot The Role Economic Reports Play in a Successful Investment Strategy MarketBeat Week in Review – 11/18 – 11/22 How is Compound Interest Calculated? 2 Finance Stocks With Competitive Advantages You Can’t Ignore Want to see what other hedge funds are holding CFFN? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Capitol Federal Financial, Inc. ( NASDAQ:CFFN – Free Report ). Receive News & Ratings for Capitol Federal Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Capitol Federal Financial and related companies with MarketBeat.com's FREE daily email newsletter .How to get a free Santa Snoop Dogg skin in Fortnite