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    David George • Baird

    David George is a Senior Research Analyst and CFA at Baird, specializing in US banks with deep expertise covering institutions such as Capital One, Fifth Third Bancorp, and Huntington Bancshares. Known for his strong track record, he was named a Top 50 Analyst by Bloomberg in 2004 for finishing first in stock selection for regional banks. George began his career in commercial lending at Fifth Third and Huntington Bancshares before spending several years as a senior analyst at A.G. Edwards & Sons, eventually joining Baird in 2007. He holds a BA in Sociology from the College of Wooster and maintains the Chartered Financial Analyst (CFA) designation.

    David George's questions to Comerica Inc (CMA) leadership

    David George's questions to Comerica Inc (CMA) leadership • Q2 2025

    Question

    Challenged the CEO on the company's long-term underperformance, citing a flat stock price over many years and declining revenues with rising expenses since 2018-2019. He asked for the board's plan to improve performance and enhance shareholder value.

    Answer

    The CEO acknowledged past volatility from events like the regional bank crisis and strategic business exits, describing the current period as a 'rebuilding phase'. He highlighted recent positive momentum in loan growth and fee income, investments for future growth, and structural tailwinds for NII. He affirmed that management and the board are always focused on improving performance and all metrics across the company.

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    David George's questions to PNC Financial Services Group Inc (PNC) leadership

    David George's questions to PNC Financial Services Group Inc (PNC) leadership • Q2 2025

    Question

    David George from Baird inquired about the drivers and sustainability of the strong commercial loan growth seen in the quarter, and also asked about the trajectory for Net Interest Income (NII) for the remainder of 2025 and into 2026.

    Answer

    EVP & CFO Robert Reilly explained that the 2% loan growth was driven by both increased line utilization, partly due to tariff considerations, and strong new production from growth markets. He noted this pace wouldn't fully repeat but led to an upgrade in full-year loan guidance. Regarding NII, Mr. Reilly confirmed the positive momentum would continue, raising the full-year NII growth forecast to 7% and expecting a 'similar and sustained trajectory' into 2026.

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