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Dave Bishop

Dave Bishop

Director and Senior Equity Research Analyst at Hovde Eric D

Sykesville, MD, US

David Bishop is a Director and Senior Equity Research Analyst at Hovde Group, where he specializes in comprehensive coverage of the U.S. banking sector, including companies such as First Financial Bankshares, Home Bancshares, Suffolk Bancorp, and Bryn Mawr Bank. With over 20 years of sell-side experience, his performance metrics include a 59% rating success rate and an average return of 17.5% per recommendation, with notable calls like a 199.3% return on Berkshire Hills Bancorp. Bishop began his research career at Legg Mason/Stifel Financial in 2000, later holding analytic roles at FIG Partners, DA Davidson, and Seaport Research Partners before joining Hovde in April 2022. He holds the CFA designation, a BS in Finance from the College of New Jersey, an MBA in Investment Management from Pace University, and maintains relevant securities licenses.

Dave Bishop's questions to S&T BANCORP (STBA) leadership

Question · Q4 2025

Dave Bishop asked about the comparison of loan originations to payoffs in Q4 versus Q2 and Q3. He also inquired about the targeted geographies for banker additions this year.

Answer

President David Antolik stated that Q4 saw robust originations but also elevated payoffs, particularly from construction loans being refinanced out of the bank, which led to pipeline burn. He noted the company is actively rebuilding its pipeline and needs to originate $1.5 billion-$1.7 billion annually for 5-7% net loan growth. Regarding banker adds, David Antolik mentioned the company is agnostic to geography but needs to strengthen C&I teams and will hire additional bankers in CRE, ABL, and treasury management roles to enhance customer acquisition and deposit growth.

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Question · Q4 2025

Dave Bishop inquired about the comparison of loan originations versus payoffs in the fourth quarter relative to the second and third quarters. He also asked about the targeted banker additions for the year and if there are any specific geographic focuses for these hires.

Answer

President Dave Antolik stated that Q4 saw robust originations but also elevated payoffs, particularly from construction loans being refinanced, which led to pipeline burn. He indicated a need to originate $1.5 billion-$1.7 billion in new loans annually for 5%-7% net loan growth. Regarding banker adds, President Antolik clarified that S&T Bancorp is 'agnostic relative to the geography,' prioritizing additions to C&I and CRE teams, as well as treasury management officers, to enhance customer acquisition across all commercial facets.

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Dave Bishop's questions to COLONY BANKCORP (CBAN) leadership

Question · Q3 2025

Dave Bishop (Hovde) inquired about the potential trickle-down effects of the D.C. disruption (government shutdown) on Colony Bankcorp's borrowers and local economy, and also asked about any exposure to NDFI (Non-Deposit Financial Institutions) loans.

Answer

CEO Heath Fountain stated that Colony Bankcorp does not currently see significant material impacts from the government shutdown, though the SBSL team could be affected if it prolongs. He also confirmed no meaningful exposure to NDFI loans, emphasizing their focus on relationship-based, locally originated credits.

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