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Terence James McEvoy

Terence James McEvoy

Managing Director and senior research analyst at Stephens Inc. /ar/

Cape Elizabeth, ME, US

Terence James McEvoy is a Managing Director and senior research analyst at Stephens, specializing in coverage of the U.S. banking sector including regional and super-regional banks. He actively covers major institutions such as ASB, BUSE, CFG, CMA, FITB, FRC, HBAN, KEY, PNC, RF, TFC, USB, WTFC, and ZION, with a strong track record highlighted by being named the #2 Stock Picker and #3 Earnings Estimator in Commercial Banking by Financial Times/Starmine during significant industry inflection points. McEvoy began his industry career in 1997, with previous roles including Head of Bank Research at Sterne Agee, 13 years as a senior analyst at Oppenheimer & Co., and five years at Tucker Anthony Capital Markets before joining Stephens in May 2015. He holds the CFA charter, is registered as an Investment Advisor Representative, and is a founding member and former director of the CFA Society of Maine.

Terence James McEvoy's questions to CIVISTA BANCSHARES (CIVB) leadership

Question · Q3 2025

Terence James McEvoy questioned the decline in loan yields from Q2 to Q3, asking if it was due to mix shift or pricing competition, and if there's an opportunity to expand core loan yields in Q4. He also inquired about the timing of cost savings from the Farmers acquisition, specifically if they would be fully realized in the second half of 2026.

Answer

Ian Whinnem, SVP and CFO, clarified that a non-recurring item in Q2 interest income distorted the Q2-Q3 yield comparison, making Q3 appear lower; excluding it, yields are more normalized. Dennis Shaffer, President and CEO, highlighted that $225 million in adjustable-rate loans are set to reprice over the next 12 months, which should lead to a yield pickup. Ian Whinnem confirmed that cost savings, including contract expenses and staffing reductions, are expected to follow the early February system conversion, with a full run rate anticipated in the second half of 2026.

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