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    Tyler Cacciatori

    Research Associate at Stephens Inc.

    Tyler Cacciatori is a Research Associate at Stephens Inc., specializing in equity research with a focus on Northeast and Mid-Atlantic Regional Banks. He has covered companies including ConnectOne Bancorp and others in the regional banking sector, regularly participating in earnings calls and contributing sector insights. Cacciatori began his career after earning a BSBA in Financial Management and Investments from the University of Arkansas and an MBA in Finance from the University of Central Arkansas, and since joining Stephens, he has developed expertise in regional financial institutions. He holds relevant securities industry credentials as registered with FINRA.

    Tyler Cacciatori's questions to ConnectOne Bancorp (CNOB) leadership

    Tyler Cacciatori's questions to ConnectOne Bancorp (CNOB) leadership • Q2 2025

    Question

    Tyler Cacciatori, on for Matt Breeze at Stephens Inc., asked for the specific cap rates used in the purchase accounting for the acquired rent-regulated housing portfolio. He also inquired about the outlook for growing DDA balances above 20% of total deposits and the expected overall deposit composition. Lastly, he requested the current yields on the loan pipeline and an update on near-term loan growth projections.

    Answer

    Senior EVP & CFO William Burns stated that the cap rates used for purchase accounting ranged from 6.5% to 8.5%, reflecting a conservative buyer's perspective. Chairman & CEO Frank Sorrentino expressed confidence in continuing to grow DDA balances, citing opportunities in C&I and the acquired Long Island market. Regarding loan growth, Burns noted a pipeline yield of 6.77% and projected low-to-mid single-digit growth, attributing the modest pace to elevated, but often welcome, loan payoffs.

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    Tyler Cacciatori's questions to UNIVEST FINANCIAL (UVSP) leadership

    Tyler Cacciatori's questions to UNIVEST FINANCIAL (UVSP) leadership • Q2 2025

    Question

    Tyler Cacciatori inquired about the potential benefits to Univest's footprint from proposed large-scale energy and infrastructure projects in Pennsylvania, the stability of new loan yields amidst competition, and whether loan yield expansion is repeatable without rate cuts.

    Answer

    CEO Jeffrey Schweitzer responded that while it is early, any investment in Pennsylvania is positive, and Univest's diversified customer base is well-positioned to participate. CFO Brian Richardson added that new commercial loan yields have been relatively stable and that while the pace of overall loan yield expansion will likely slow as the portfolio reprices, he does not expect yields to pull back.

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    Tyler Cacciatori's questions to S&T BANCORP (STBA) leadership

    Tyler Cacciatori's questions to S&T BANCORP (STBA) leadership • Q1 2025

    Question

    Tyler Cacciatori, on behalf of Matt Breese, inquired about S&T's M&A outlook, the timeline for crossing the $10 billion asset threshold, and the competitive landscape for C&I and CRE loan spreads.

    Answer

    CEO Christopher McComish stated that while M&A conversations continue, valuations are a key consideration. He projected the company would cross the $10 billion asset mark organically in the second half of 2025 and is fully prepared for the regulatory transition. President Dave Antolik added that C&I spreads were stable but noted larger banks are becoming more aggressive on CRE pricing, creating some pressure.

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