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    Emily Noelle Lee

    Managing Director and Senior Equity Research Analyst at KBW

    Emily Noelle Lee is a Managing Director and Senior Equity Research Analyst at KBW, specializing in financial services with a focus on banks and specialty finance companies. She covers prominent institutions such as Fifth Third Bancorp, Citizens Financial Group, and Regions Financial, maintaining a strong track record of accurate stock calls and outperformance among her covered names. Lee began her career at KBW and has established herself as a prominent voice in U.S. regional bank equity research, frequently quoted in industry reports and financial media. She holds FINRA Series 7, 63, 86, and 87 licenses, underscoring her professional expertise in securities analysis and investment recommendations.

    Emily Noelle Lee's questions to Bank of N.T. Butterfield & Son (NTB) leadership

    Emily Noelle Lee's questions to Bank of N.T. Butterfield & Son (NTB) leadership • Q1 2025

    Question

    Emily Noelle Lee inquired about the potential impact of tariffs on Butterfield's customer base and operating jurisdictions, and asked what expense or non-interest income levers the company could pull to protect earnings during a potential economic downturn.

    Answer

    Michael Collins, Chairman and CEO, explained that there are no direct implications from tariffs on their jurisdictions, but the primary indirect impact is a higher cost of living for the local population, which could eventually pressure mortgage payments. To manage costs in a downturn, Mr. Collins outlined a two-pronged strategy: tactical actions like the recently completed voluntary early retirement program, and the long-term strategic build-out of their lower-cost operations center in Halifax, which now has 250 employees.

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    Emily Noelle Lee's questions to UNIVEST FINANCIAL (UVSP) leadership

    Emily Noelle Lee's questions to UNIVEST FINANCIAL (UVSP) leadership • Q4 2024

    Question

    Emily Noelle Lee of Keefe, Bruyette & Woods asked about the key factors driving the 2025 guidance, whether potential administrative changes and tariffs were causing caution among C&I borrowers, and for details on the drivers of Q4 deposit trends.

    Answer

    Chief Financial Officer Brian Richardson explained the 2025 guidance is based on the current environment and strategic priorities. Executive Jeff Schweitzer noted general optimism among the customer base for 2025, with muted impact from potential tariffs. Brian Richardson also clarified that the Q4 deposit decrease was driven by a nearly $200 million seasonal outflow in public funds and managed brokered deposits, which was partially offset by $104 million in growth from commercial and consumer accounts.

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    Emily Noelle Lee's questions to UNIVEST FINANCIAL (UVSP) leadership • Q3 2024

    Question

    Emily Noelle Lee asked about potential upside or downside factors for the updated 2024 guidance, the estimated impact of larger-than-expected Fed rate cuts on net interest margin, current competition for loans and deposits, and whether the company would reserve capital for M&A instead of buybacks.

    Answer

    CFO Brian Richardson identified deposit pricing competition, market valuations impacting wealth management, and MSR valuation allowances as key variables for guidance. He stated Univest is positioned to be neutral to initial Fed rate cuts due to its balanced variable-rate loan and deposit books. Executive Jeff Schweitzer noted that deposit competition remains stiff and that while loan pricing is holding, some larger credits are seeing tighter spreads. He affirmed that the company's current strategic priority is share repurchases over building a war chest for M&A.

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