Institutions & Corporations


John Rowan

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Specialty Finance

Mr. Rowan has covered various financial institutions for over a decade, but has specialized in non-bank, specialty consumer finance companies. Mr. Rowan joined Janney Montgomery Scott, LLC in May 2015, but started his career with Thomson Financial and then Wireless Capital Partners. In 2004, Mr. Rowan joined Sidoti & Co., LLC where he initially had a Midwest regional bank focus. Over the next 10+ years he diversified his coverage and focused on specialty finance companies that provided either credit, or transactional based financial services to consumers that were underserved by the banking system.

Credit providers that fit this sector include payday and installment lenders, pawn stores, subprime auto and auto-title lenders, and rent-to-own retailers. Transactional based alternative financial services include prepaid debit cards and money transfer services. Roughly one-third of the U.S. population is underserved by the banking system and Mr. Rowan believes in the long-term viability and necessity of an alternative finance system that serves this consumer demographic.

Mr. Rowan holds a bachelor’s degree in Finance from St. John’s University. He was ranked by the Wall Street Journal’s annual Best on The Street survey for his coverage of the specialty consumer finance sector in 2009 (5th) and 2011 (2nd).

Ally Financial, Inc. (ALLY)
America's Car-Mart Inc. (CRMT)
Consumer Portfolio Services, Inc. (CPSS)
Credit Acceptance Corp (CACC)
Encore Capital Group, Inc. (ECPG)
Enova International, Inc. (ENVA)
First Cash Financial Services, Inc. (FCFS)
LendingClub Corporation (LC)
NewStar Financial Inc. (NEWS)
On Deck Capital, Inc. (ONDK)
OneMain Holdings, Inc. (OMF)
PRA Group, Inc. (PRAA)
Regional Management Corp. (RM)
Rent-A-Center, Inc. (RCII)
Santander Consumer USA Holdings Inc. (SC)
World Acceptance Corp. (WRLD)