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    Brian Firraldi

    Research Analyst at Piper Sandler & Co.

    Brian Firraldi is an equity research analyst at Piper Sandler & Co., specializing in the consumer sector with a focus on publicly traded companies in the retail, branded and private label food, beverage, and consumer products space. He covers a diversified set of firms including large market leaders as well as emerging brands, drawing on extensive analytical experience to provide fundamental research insights for institutional clients. Firraldi began his professional career in equity research and has developed expertise through years advising and evaluating companies in both equity research and equity investing roles. He maintains relevant securities licenses, is FINRA-registered, and is recognized for actionable stock recommendations with a proven track record in his coverage universe.

    Brian Firraldi's questions to Northwest Bancshares (NWBI) leadership

    Brian Firraldi's questions to Northwest Bancshares (NWBI) leadership • Q1 2025

    Question

    Brian Firraldi questioned the conservative nature of the NII and loan growth guidance, asking if growth was always expected to be back-loaded. He also inquired about any prior guidance on the Penns Woods acquisition's NIM impact and the bank's general openness to further M&A.

    Answer

    CFO Douglas Schosser clarified that the loan growth strategy was to lean on consumer lending early in the year amid commercial uncertainty, with hopes for a commercial rebound in the second half. He reiterated that guidance on the Penns Woods acquisition will come in Q2. CEO Louis Torchio described the current M&A environment as 'tepid' but affirmed that while the near-term focus is on internal execution, he remains engaged in conversations and the long-term strategy to pursue accretive deals is unchanged.

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