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    Tim Mitchell • Raymond James Financial

    Tim Mitchell's questions to Hilltop Holdings Inc (HTH) leadership

    Tim Mitchell's questions to Hilltop Holdings Inc (HTH) leadership • Q2 2025

    Question

    Tim Mitchell of Raymond James Financial asked for clarification on the loan growth outlook, seeking to reconcile strong pipeline commentary with concerns about competition, and how the bank balances growth against margin protection. He also questioned the sensitivity of the net interest income (NII) forecast to the two anticipated rate cuts.

    Answer

    CFO William Furr detailed that while pipelines are strong, it takes 90-180 days for these to fund, and intentional declines in certain C&I portfolios are offsetting growth, leading to the 0-2% full-year guidance. CEO Jeremy Ford added that competition is more about structure than rate. Regarding NII, Furr confirmed the outlook assumes two rate cuts and expects NII to stabilize a few million dollars below Q2's level, with deposit beta performance being a key mitigating factor against repricing assets.

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    Tim Mitchell's questions to Trustmark Corp (TRMK) leadership

    Tim Mitchell's questions to Trustmark Corp (TRMK) leadership • Q2 2025

    Question

    Tim Mitchell from Raymond James asked about the interest rate assumptions underlying the NIM and NII guidance and questioned the company's strategic preference between M&A and organic growth through hiring.

    Answer

    EVP & CFO Thomas Owens clarified that the guidance incorporates two potential Fed rate cuts in 2025 but noted the bank's slight asset sensitivity could provide a tailwind if cuts do not occur. President & CEO Duane Dewey stated that the company is actively pursuing both strategies, focusing on organic growth via talent recruitment in key markets while also conservatively exploring an increasing number of M&A opportunities.

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    Tim Mitchell's questions to Pinnacle Financial Partners Inc (PNFP) leadership

    Tim Mitchell's questions to Pinnacle Financial Partners Inc (PNFP) leadership • Q2 2025

    Question

    Tim Mitchell of Raymond James Financial asked if there is a target level for BHG's earnings contribution and whether the bank's loan growth could surpass guidance if broader industry loan demand were to accelerate.

    Answer

    CFO Harold Carpenter stated that the long-term goal is to reduce BHG's relative earnings contribution by growing the core bank at a faster rate. CEO Terry Turner confirmed that a pickup in general economic loan demand would be additive to their current projections, which are primarily driven by new hires, creating the potential to exceed the current loan growth guidance.

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