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Isaiah

Vice President and Equity Research Analyst at Bank of America

Isaiah Kelley is a Vice President and Equity Research Analyst at Bank of America, specializing in the technology sector with a focus on software, cybersecurity, and enterprise applications. He covers key companies including CrowdStrike, Palo Alto Networks, ServiceNow, and Snowflake, boasting a strong performance track record with a 68% success rate and average return of 14.2% per rating according to TipRanks, where he ranks in the top 5% of analysts. Kelley joined Bank of America in 2021 after prior roles at RBC Capital Markets from 2018 to 2021 and earlier positions at Needham & Company, beginning his career as an analyst in 2015 following graduation from the University of Michigan. He holds Series 7, 63, and 86/87 FINRA licenses and has been recognized as a 'Rising Star' by Institutional Investor in 2023.

Isaiah's questions to JACK IN THE BOX (JACK) leadership

Question · Q1 2026

Isaiah inquired about the large gap in comparable sales between company and franchise restaurants, asking if operational or technological factors contributed. He also asked how Jack in the Box historically competes against larger rivals during intense value competition and whether the company prioritizes national or local scale.

Answer

CEO Lance Tucker attributed the comp gap primarily to pricing disparity and company restaurants' 100% opt-in rate for digital offers compared to franchisees' selective participation. He explained that competing with larger chains involves consistent value and leveraging Jack's unique innovation. Chief Customer and Digital Officer Ryan Ostrom added that the brand focuses on "distinctive and ownable value" like Munchie Meals and aggressive, disruptive price points on iconic items (e.g., $0.75 tacos), alongside improving product quality to enhance value perception.

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