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    Thomas Reid

    Research Analyst at Raymond James

    Comprehensive public records, financial industry databases, and available search results do not indicate that a Thomas Reid currently serves as an analyst at Raymond James, nor do they provide evidence of professional performance metrics, specific company coverage, or details on a career timeline and credentials associated with this individual at Raymond James. No reputable sources, including LinkedIn or major research ranking platforms, corroborate the existence of such an analyst in this role at the firm. Should additional details or direct profile links emerge, further information can be provided; however, based on current, thorough searching, the requested profile cannot be substantiated.

    Thomas Reid's questions to FLUSHING FINANCIAL (FFIC) leadership

    Thomas Reid's questions to FLUSHING FINANCIAL (FFIC) leadership • Q2 2025

    Question

    Thomas Reid from Raymond James asked for the reasons behind the lowered expense outlook and for an update on the company's plans for SBA hiring and de novo branch expansion.

    Answer

    CFO Susan Cullen attributed the reduced expense guidance to adjustments in incentive compensation accruals and disciplined expense management. She confirmed plans for two branch openings in 2025, one already completed in Jackson Heights and another planned for Chinatown, and noted the company is always open to hiring new revenue-generating teams.

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    Thomas Reid's questions to FLUSHING FINANCIAL (FFIC) leadership • Q2 2025

    Question

    Thomas Reid from Raymond James asked for the reasons behind the lowered expense outlook for 2025 and for an update on the company's plans for SBA hiring and de novo branch expansion.

    Answer

    Senior EVP and CFO Susan Cullen explained that the reduced expense guidance was due to adjustments in incentive compensation accruals and disciplined expense management. She added that the company has opened a new branch in Jackson Heights and is planning a second Chinatown branch due to strong growth, while continuously evaluating opportunities to add new revenue-generating teams.

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    Thomas Reid's questions to FLUSHING FINANCIAL (FFIC) leadership • Q2 2025

    Question

    Thomas Reid of Raymond James asked for details on the factors leading to the downward revision of the full-year expense outlook and requested an update on the company's plans for SBA hiring and de novo branch expansion.

    Answer

    CFO Susan Cullen explained that the reduced expense guidance was driven by true-ups of incentive compensation accruals and disciplined expense management across the company. She confirmed plans for expansion, noting a recently opened branch in Jackson Heights and a second planned branch in Chinatown to accommodate growth. She also added that the bank is continuously evaluating opportunities to hire new revenue-generating teams.

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    Thomas Reid's questions to Dime Community Bancshares, Inc. /NY/ (DCOM) leadership

    Thomas Reid's questions to Dime Community Bancshares, Inc. /NY/ (DCOM) leadership • Q2 2025

    Question

    Thomas Reid of Raymond James inquired about the sustainability of the strong DDA balance growth and the factors driving the slight decrease in the weighted average rate on the loan pipeline.

    Answer

    CEO Stuart Lubow and CFO Avinash Reddy confirmed the DDA growth was fundamentally strong, driven by new account openings in retail and private banking, not one-time events. Reddy attributed the modest decline in the loan pipeline rate from 7.10% to 6.85% to a mix shift towards floating-rate loans rather than significant competitive spread compression.

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