Analyst
Jefferies
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David Chivarini is recorded as Analyst at Jefferies. David Chivarini has spoken on 6 earnings calls across 6 companies, most recently for Cullen/Frost Bankers, Inc. on July 30, 2026. Those appearances were for Cullen/Frost Bankers, Inc. (CFR), US Bancorp \De\ (USB), Regions Financial Corp (RF), Fifth Third Bancorp (FITB), Webster Financial Corp and 1 other company. The companies whose calls David Chivarini spoke on are classified in the Financial Services sector.
“So you took the guide up 7% to 8% from 6% to 7%. You mentioned about the pipelines being up 11% over the past 90 days. Now, you also mentioned about how aggressive the market is.”
“I wanted to ask on slide six, you highlight the payments businesses and good trends overall, but you do show the merchant processing, the middle chart showing a slowdown.”
“Follow-up on deposit costs, there's been some discussion about how cash optimization by customers in an AI world – Could pressure deposits at banks that have a lower cost of deposits relative to peers?”
“It looks like the deceleration you anticipated is starting to come through and the related uptick in NCOs there is beginning to occur as well. How high should we expect this NCO rate to trend so that we're not surprised given the slowdown is fully anticipated?”
“And then shifting over to capital management, nice uptick in the buyback activity in the fourth quarter. Can you talk about the pace looking forward on the buybacks?”
Jefferies
Analyst
Transcript header (unverified)
Banks - Regional · Financial Services
USB
Banks - Regional · Financial Services
Banks - Regional · Financial Services
FITB
Banks - Regional · Financial Services
Webster Financial Corp
Banks - Regional · Financial Services
BOKF
Banks - Regional · Financial Services
Webster Financial Corp Q4 FY2025 Earnings Call
Webster Financial Corp
