Analyst
Raymond James
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Joe Yanchunis is recorded as Analyst at Raymond James. Joe Yanchunis has spoken on 8 earnings calls across 5 companies, most recently for Coastal Financial Corp on July 30, 2026. Those appearances were for Pathward Financial, Inc. (CASH), Home Bancorp, Inc. (HBCP), Bancorp, Inc. (TBBK), Coastal Financial Corp (CCB) and South Plains Financial, Inc. (SPFI). The companies whose calls Joe Yanchunis spoke on are classified in the Financial Services sector.
“And our first question comes from the line of Andrew Terrell with Stephens, Inc. Your line is open.”
“So I was hoping to ask just a couple more questions on credit, although I think Tim covered most of them.”
“And then shifting over to loans, so loan growth, you know, really accelerated nicely this quarter. How much of that improvement reflected stronger customer demand versus, you know, seasonality or lower payoff activity?”
“So, with your 2026 ETS Outlook reiterated, can you talk a little more about your embedded finance offering and this initiative's impact on 2026 results?”
“And I know you touched on your prepared remarks, but, you know, NPA has picked higher again this quarter. You know, can you provide some color on the underlying credits that drove this increase, and I know you often tout your workout process, you know, which can take time.”
Raymond James
Analyst
Transcript header (unverified)
Banks - Regional · Financial Services
HBCP
Banks - Regional · Financial Services
TBBK
Banks - Regional · Financial Services
Banks - Regional · Financial Services
Banks - Regional · Financial Services
