Sign in

    Mitchell Rubin

    Research Analyst at Raymond James

    Mitchell Rubin is an Equity Research Associate at Raymond James, specializing in financial analysis with a focus on companies within the investment banking sector. In this role, he supports research coverage for firms such as Willis Towers Watson and EverQuote, contributing to the evaluation of operational cash flows and strategic financial performance. Rubin began his current position at Raymond James in September 2024 and holds nearly a year of experience with the firm, drawing on a career that dates back to 2001 as indicated by public employment records. He is known for his strong analytical skills within equity research, and his professional credentials include active engagement in sector and cash flow forecasting, though specific securities licenses and FINRA registrations are not explicitly listed.

    Mitchell Rubin's questions to American Integrity Insurance Group (AII) leadership

    Mitchell Rubin's questions to American Integrity Insurance Group (AII) leadership • Q2 2025

    Question

    Mitchell Rubin of Raymond James, on behalf of Greg Peters, requested additional details on the favorable reserve development during the quarter. He also asked about the expansion into insuring homes with older roofs and how that strategy impacts the company's view on Probable Maximum Loss (PML).

    Answer

    President Jon Ritchie clarified that the favorable reserve development was driven by prior accident years, with non-catastrophe losses coming in lower than anticipated. Regarding older roofs, he explained that while they carry a higher PML than new roofs, the premium collected compensates for the increased risk. Founder and CEO Bob Ritchie added that with over 80% of the current portfolio consisting of new roofs, the impact to the overall PML from this expansion will be well-balanced and is priced accordingly.

    Ask Fintool Equity Research AI

    Mitchell Rubin's questions to American Integrity Insurance Group (AII) leadership • Q2 2025

    Question

    Mitchell Rubin of Raymond James asked for additional details on the quarter's favorable reserve development and how the expansion into insuring homes with older roofs is impacting the company's view on Probable Maximum Losses (PMLs).

    Answer

    President Jon Ritchie explained that the favorable development stemmed from prior accident years' non-catastrophe losses performing better than anticipated. Regarding older roofs, Jon Ritchie and Founder & CEO Bob Ritchie acknowledged that while older roofs have a higher PML, the premium collected compensates for the risk, and the impact is well-balanced given that over 80% of the current portfolio consists of new roofs.

    Ask Fintool Equity Research AI

    Mitchell Rubin's questions to EverQuote (EVER) leadership

    Mitchell Rubin's questions to EverQuote (EVER) leadership • Q2 2025

    Question

    Mitchell Rubin of Raymond James, on behalf of Greg Peters, asked for color on the revenue trend in the home insurance vertical and inquired about the expected quarterly cadence of the new share repurchase program.

    Answer

    CFO Joseph Sanborn highlighted the home vertical's strong Q2 performance, with 23% year-over-year growth, attributing it to a more stable underwriting environment. He also explained that the new share repurchase program will be executed opportunistically based on market conditions and does not have a pre-planned quarterly cadence.

    Ask Fintool Equity Research AI