Sign in

    Ryan Payne

    Research Analyst at D.A. Davidson & Co.

    Ryan Payne is an Equity Research Associate at D.A. Davidson & Co., specializing in equity capital markets research. He works within the firm's Equity Research division, contributing to industry analysis and company coverage across select sectors, although specific companies and performance metrics are not publicly listed. Payne began his career at D.A. Davidson & Co. and has not been associated with other publicly listed financial firms prior, indicating early-career tenure in the equity research field. Details regarding his FINRA registration, securities licenses, and notable industry achievements are not available from public sources.

    Ryan Payne's questions to National Bank Holdings (NBHC) leadership

    Ryan Payne's questions to National Bank Holdings (NBHC) leadership • Q4 2024

    Question

    Ryan Payne of D.A. Davidson & Co. inquired about the competitive environment for loans, specific areas of focus for 2025, the drivers behind the increase in non-performing assets (NPAs), and sought confirmation on the projected 2025 expenses for the 2UniFi platform.

    Answer

    President Aldis Birkans and CEO Tim Laney described the competitive loan environment as rational. Regarding NPAs, Mr. Laney identified weakness in the transportation sector, which constitutes less than 2% of total loans, and some small-dollar exposures from a previous acquisition. CFO Nicole Van Denabeele confirmed the projected 2025 expense for 2UniFi is in the range of $27 million to $29 million.

    Ask Fintool Equity Research AI

    Ryan Payne's questions to EQUITY BANCSHARES (EQBK) leadership

    Ryan Payne's questions to EQUITY BANCSHARES (EQBK) leadership • Q4 2024

    Question

    Ryan Payne, on behalf of Jeff Rulis, inquired about the bank's preference for future interest rate cuts regarding net interest margin and asked for the total loan exposure to quick-service restaurants (QSR).

    Answer

    CFO Chris Navratil stated that the bank's rate sensitivity position remains neutral, prepared for either an up or down rate environment. Chief Credit Officer Krzysztof Slupkowski noted that QSR loans constitute less than 3% of the portfolio and are granular. Chairman and CEO Brad Elliott added that the largest classified QSR credit has a clear plan for resolution.

    Ask Fintool Equity Research AI