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Analyst
Nate Stein
Period: Reporting periods mapped to calendar 2025 Q3 – 2026 Q1 (3 quarters; questions recorded in 2).
- Questions
- 3on tracked calls
- Challenge rate
- 33%1 of 3 questionsLimited sample
- Companies
- 2questioned at least once
- Reporting periods
- 2with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 3 of 3 questions from 2 companies
MTBM&T Bank2 questions · 1 reporting period · 1 of 2 challenging
Calendar 2026 Q1
is it fair to say that CRE loan balances can grow in 2Q and beyond?
Show response
Bible wouldn't commit to Q2 CRE growth but said it will grow this year. Strong momentum, more customers. Expects positive revenue from both fees and balances.
How do you think about the CET1 range 10.5% to 10% and pacing, given the backdrop?
Show response
Bible said Board-approved long-term CET1 target is 10%, comfortable going there. If stress emerges, will pause buybacks, can accrete 25bps per quarter without repurchases. Geopolitical risk keeps wider range for now.
CFGCitizens Financial Group1 question · 1 reporting period · 0 of 1 challenging
Calendar 2025 Q3
Costs were really right in line with the guidance range this quarter despite a really solid fee print. Were there any specific flexes you engaged during the quarter to keep costs relatively well ma...
Show response
On behalf of Matt O'Connor. First asked about specific expense flexes to keep costs managed despite strong fee print. Follow-up on confidence in the $400M+ Reimagine run rate target. Concise and direct.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| MTB M&T Bank | 2 | —Rate withheld: fewer than 3 questions |
| CFG Citizens Financial Group | 1 | —Rate withheld: fewer than 3 questions |
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2025 Q3 | 1 | 0%none of 1 question | 1 |
| 2025 Q4 | No questions recorded | — | — |
| 2026 Q1 | 2 | 50%1 of 2 questions | 1 |
- 2025 Q31 question · challenge rate 0% (none of 1 question) · 1 company
- 2025 Q4No questions recorded
- 2026 Q12 questions · challenge rate 50% (1 of 2 questions) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Demand1
- Capital Allocation1
- Cost Pressure1
- Innovation & R&D1