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Analyst
Nathan Stein
Period: Reporting periods mapped to calendar 2024 Q4 – 2025 Q3 (4 quarters; questions recorded in 3).
- Questions
- 6on tracked calls
- Challenge rate
- 0%none of 6 questionsLimited sample
- Companies
- 2questioned at least once
- Reporting periods
- 3with 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 6 of 6 questions from 2 companies
HBANHuntington Bancshares4 questions · 2 reporting periods · 0 of 4 challenging
Calendar 2025 Q3
how can I think about your operating assumptions for NII on a stand-alone basis relative to up 10 to 11% this year
Show response
Zach outlined 2026 NII framework: mid-to-high single digit loan growth plus at least 10bp NIM expansion should drive strong spread revenue outcome, similar to 2025 model.
the expansion markets are really ultra competitive. And can you just talk about how you're continuing to grow in those regions
Show response
Steve emphasized experienced hires with average 20-year tenure, strong relationship networks, and accelerated profitability in both Carolinas and Texas. Opened handful of branches in Carolinas this year, couple dozen planned for next year. Number one SBA lender in Texas.
Calendar 2024 Q4
I heard you say modestly lower NIM in the first quarter, but can you elaborate on your NIM outlook for the full year?
Show response
Zach detailed approximately flat NIM at 3% through 2025, with fixed asset repricing providing about 10bp benefit, offset by variable yield impacts and hedge dynamics.
can you talk about the securities repositioning you did this quarter? You sold $1 billion of securities
Show response
Zach indicated no further repositioning likely since Huntington's prior hedging program left limited opportunities compared to peers.
KEYKeyCorp2 questions · 1 reporting period · 0 of 2 challenging
Calendar 2025 Q1
Can you just elaborate more on what kinds of markets and customers you're targeting and how would you gain share during periods of volatility
Show response
Chris gave CRE bridging example: when CMBS market is choppy, Key can bridge transactions for existing clients and take out to CMBS later.
could you talk briefly about the commercial real estate gross charge-offs, which were a little elevated in the first quarter?
Show response
Clark attributed Q1 CRE charge-offs to just two name-specific resolutions, not broad-based deterioration. Overall CRE portfolio health improving with paydowns and declining criticized levels.
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 |
|---|---|---|
| HBAN Huntington Bancshares | 4 | 0%none of 4 questions |
| KEY KeyCorp | 2 | —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 |
|---|---|---|---|
| 2024 Q4 | 2 | 0%none of 2 questions | 1 |
| 2025 Q1 | 2 | 0%none of 2 questions | 1 |
| 2025 Q2 | No questions recorded | — | — |
| 2025 Q3 | 2 | 0%none of 2 questions | 1 |
- 2024 Q42 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2025 Q12 questions · challenge rate 0% (none of 2 questions) · 1 company
- 2025 Q2No questions recorded
- 2025 Q32 questions · challenge rate 0% (none of 2 questions) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Margin2
- Competitive Dynamics2
- Revenue Growth1
- Geographic Expansion1
- Credit1
- Capital Allocation1