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Julienne Cassarino

Research Analyst at Sycamore Analytics

Julienne Coe Cassarino is the Founder and Principal at Sycamore Analytics, specializing in financial sector research with a focus on regional banks and financial services companies. She covers specific firms such as Potomac Bancshares, Inc. and BayFirst Financial Corp., providing insights on earnings, strategic shifts like exiting SBA lending, and participation in industry conferences. Cassarino launched her 25-year analyst career at Prospector Partners as Vice President and Senior Equity Analyst from 2000 to 2014 before founding Sycamore Analytics in 2014, while also serving as Corporator at Liberty Bank since 2015. Her professional credentials include extensive experience in equity analysis, though specific FINRA registrations or performance metrics like TipRanks rankings are not publicly detailed.

Julienne Cassarino's questions to BayFirst Financial (BAFN) leadership

Question · Q4 2025

Julienne Cassarino asked about the drivers of deposit growth, the sequential reduction in deposit costs, and whether these gains were primarily from local customer relationships and the treasury management platform. She also sought a breakdown of the deposit franchise between commercial and retail.

Answer

Scott McKim, EVP and CFO, attributed deposit growth and cost reduction to the retail and operations teams' efforts in nurturing customer relationships and a more disciplined approach post-SBA 7(a) exit, alongside rate changes. Robin Oliver, President and COO, highlighted the treasury team's role in attracting small to mid-sized business deposits. Scott McKim further characterized the deposit portfolio as granular rather than a distinct commercial/retail split.

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Question · Q4 2025

Julienne Cassarino asked about the sources of deposit growth, the sequential reduction in deposit costs, and the contribution of the Treasury Management platform and local customer relationships. She also sought a breakdown of the deposit franchise between commercial and retail.

Answer

Scott McKim, EVP and CFO, attributed deposit growth and reduced costs to the retail and operations teams' efforts in nurturing customer relationships and disciplined pricing post-SBA 7(a) exit. Robin Oliver, President and COO, highlighted the Treasury team's role in attracting small to mid-sized business deposits. McKim described the deposit portfolio as very granular, focusing on individual and business relationships with compensating deposits, rather than a strict commercial/retail split.

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