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Joe Jakunis

Research Analyst at Raymond James Financial Inc.

Joe Jakunis is an Equity Research Analyst at Raymond James, specializing in sector research and investment analysis. While comprehensive public data on specific companies covered or detailed performance metrics such as TipRanks rankings or returns is not available, his role centers on providing in-depth equity research for institutional clients. Jakunis has progressed through research-oriented roles and holds relevant professional credentials for equity research and securities analysis, supporting the research department at Raymond James since the early 2020s. He holds required securities licenses for analysts in the field and is registered with FINRA.

Joe Jakunis's questions to PATHWARD FINANCIAL (CASH) leadership

Question · Q2 2025

Joe Jakunis asked about any observed changes in consumer payment behavior and requested more details on the new partnership for originating loans through a lending marketplace.

Answer

CEO Brett Pharr responded that the company has not seen any measurable change in consumer spending behavior, as their customer base primarily uses funds for non-discretionary items like gas and groceries. Regarding the new partnership, he described it as a typical arrangement for originating online consumer term loans to near-prime/sub-prime borrowers, emphasizing that it utilizes a waterfall credit loss structure and rigorous underwriting models similar to their other long-standing partnerships.

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