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    Nicholas Moutafakis

    Research Analyst at Keefe, Bruyette & Woods

    Nicholas Moutafakis is an Assistant Vice President and Equity Research Analyst at Keefe, Bruyette & Woods, specializing in the North American banking sector with a focus on U.S. banks. He covers publicly traded financial institutions including Wintrust Financial and First Interstate BancSystem, and has contributed to sector reports analyzing return on tangible common equity and other bank performance metrics. Moutafakis joined Keefe, Bruyette & Woods as an Equity Research Analyst in 2022 and has since progressed to Assistant VP, following prior experience within the financial research industry. He holds the Chartered Financial Analyst (CFA) designation, is FINRA registered, and is recognized for rigorous financial sector analysis, having co-authored published industry research for institutional investors.

    Nicholas Moutafakis's questions to FIRST INTERSTATE BANCSYSTEM (FIBK) leadership

    Nicholas Moutafakis's questions to FIRST INTERSTATE BANCSYSTEM (FIBK) leadership • Q3 2024

    Question

    Nicholas Moutafakis of Keefe, Bruyette & Woods, on behalf of Chris McGratty, inquired about further expense reduction opportunities in 2025 and the outlook for loan demand.

    Answer

    CFO Marcy Mutch responded that improving the efficiency ratio is now more dependent on revenue growth than further expense cuts, as expenses are well-controlled. CEO Kevin Riley described loan demand as tepid, citing uncertainty around the election and interest rates, and was hesitant to predict when a pickup in pent-up demand might occur.

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    Nicholas Moutafakis's questions to CATHAY GENERAL BANCORP (CATY) leadership

    Nicholas Moutafakis's questions to CATHAY GENERAL BANCORP (CATY) leadership • Q3 2024

    Question

    Speaking on behalf of Chris McGratty, Nicholas Moutafakis asked for confirmation of the Q4 amortization run rate for low-income housing tax credits and inquired about the likelihood of renewing the stock buyback program in 2025.

    Answer

    EVP and CFO Heng Chen confirmed that $10 million is the correct amortization run rate for Q4. On the share repurchase program, he stated the Board will consider a new authorization after the current one is complete, suggesting a similar or slightly larger program could be possible.

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