Brad Milsaps, CFA, is a Managing Director with Sandler O’Neill + Partners, L.P. His research coverage primarily focuses on small and midcap commercial banks located in the Midwest and Texas. Mr. Milsaps joined Sandler O’Neill in February 2005 from FTN Midwest Securities Corp., where he served as an Equity Analyst for three years, focusing on small and midcap banks in the Midwest and Southeast. He has won numerous industry honors for stock picking and earnings estimating. Mr. Milsaps earned a B.S. in business administration with a concentration in finance and corporate investments from the University of Tennessee-Knoxville. He holds the CFA designation and is a member of both the CFA Society of Atlanta and the CFA Institute.