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These ratings are posted by site users; this content is not intended to be investment advice, nor does it represent the opinion of, counsel from, or recommendations by Bankinvestor.com

Average returns on G.Bailey's ratings: Rating Avg. Return Annualized Key: - : rated buy, stock went down + : rated sell, stock went up +/- : rated hold + : rated buy, stock went up - : rated sell, stock went down strong buy +14.83% (over an avg. of 306.87 days) +17.64% buy +11.24% (over an avg. of 211.83 days) +19.37% hold +2.74% (over an avg. of 220.90 days) +4.53% sell -0.17% (over an avg. of 30.33 days) -2.05% strong sell -9.47% (over an avg. of 37.00 days) -93.42% -- See performance by time period -- All ratings made during the year 2003 All ratings made during the year 2004 All ratings made during the year 2005 All ratings made during the year 2006 All ratings made during the year 2007 All ratings made during the year 2009 All ratings made during the year 2010 Ratings made during Jan, 2003 Ratings made during Jun, 2003 Ratings made during Jul, 2003 Ratings made during Aug, 2003 Ratings made during Sep, 2003 Ratings made during Oct, 2003 Ratings made during Dec, 2003 Ratings made during Jan, 2004 Ratings made during Feb, 2004 Ratings made during Apr, 2004 Ratings made during May, 2004 Ratings made during Jan, 2005 Ratings made during May, 2005 Ratings made during Jun, 2005 Ratings made during Jul, 2005 Ratings made during Sep, 2005 Ratings made during Dec, 2005 Ratings made during Mar, 2006 Ratings made during Sep, 2006 Ratings made during Oct, 2006 Ratings made during Dec, 2006 Ratings made during Feb, 2007 Ratings made during Apr, 2007 Ratings made during May, 2007 Ratings made during Sep, 2007 Ratings made during Aug, 2009 Ratings made during Sep, 2009 Ratings made during Jan, 2010 Ratings made during May, 2010

Jump to rating for: ACAS   AINV   AKPB   ALFC   BCSB   CCFC   CFFN   CHFN   CTZN   FRE   FRM   HCBK   HMC   JXVL   KED   LBTM   MAXF   MO   NEBS   PBCT   PCBI   PFE   RFBK   SKFR   SYNF   TFSL   TONE   TTO   UBNK   WAKE   WAWL   WM  

NOTE: areas highlighted in blue indicate that this user is sharing the highlighted information with their private group ONLY

-- ACAS --
ACAS	Jul. 7 2003, 11:20 AM ET Rating closed on Aug. 13 2003, 12:44 PM ET	by G.Bailey (view profile)	rating: Strong Sell
ACAS performance: Price near date of rating (07/07/2003): 27.55 Price near end of rating (08/13/2003): 24.94 Gain/Loss over 37 days: -2.61 -9.47% Annualized Gain/Loss: -93.42% Either this is a strong buy or a strong sell. Maybe the bulls are right on this; but I just can't get comfortable with (1) paying big dividends and simultaneously raising capital through issuing stock and (2) earnings driven by valuations determined by management. This could be a great stock but it is based on a model which can be badly abused. Because I cannot get comfortable with it, it is a strong sell for me. If you really understand it and like it, I wish you well--there are many things to like about it. Either Warren Buffett or Peter Lynch said something to the effect that the stock market is great for the small investor as long as he invests in the same way that a baseball player would play if there were no called strikes--just wait for a really fat one. Maybe this is a fat one; but I think it could be a curve and will wait for another fat one. If I ever overcome my stated objections, this could easily become a strong buy. Was this user's rating of 'ACAS' helpful to you?
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-- AINV --
AINV	May. 17 2004, 12:44 PM ET Rating changed on Jan. 13 2005, 11:39 AM ET	by G.Bailey (view profile)	rating: Buy
AINV performance: Price near date of rating (05/17/2004): 12.93 Price near end of rating (01/13/2005): 16.49 Price change: +3.56 Dividends collected: 0.225 Gain/Loss over 241 days: +3.78 +29.27% Annualized Gain/Loss: +44.33% Nibble on this under $13. I like to buy at a discount to net cash. Was this user's rating of 'AINV' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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AINV	Jan. 13 2005, 11:39 AM ET Rating closed on Feb. 10 2005, 4:01 PM ET	by G.Bailey (view profile)	rating: Hold
AINV performance: Price near date of rating (01/13/2005): 16.49 Price near end of rating (02/10/2005): 17.37 Gain/Loss over 28 days: +0.88 +5.34% Annualized Gain/Loss: +69.61% No longer cheap enough to buy. Was this user's rating of 'AINV' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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-- AKPB --
AKPB	Jun. 18 2003, 5:28 PM ET Rating closed on Jan. 30 2004, 5:32 PM ET	by G.Bailey (view profile)	rating: Hold
AKPB performance: Price near date of rating (06/18/2003): 18.60 Price near end of rating (01/30/2004): 24.49 Price change: +5.89 Dividends collected: 0.14 Gain/Loss over 226 days: +6.03 +32.42% Annualized Gain/Loss: +52.36% I own it but won't put more money into it. Reasonable value but not cheap. I want CHEAP. Was this user's rating of 'AKPB' helpful to you?
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-- ALFC --
ALFC	Jun. 18 2003, 5:26 PM ET Rating closed on Jan. 30 2004, 5:32 PM ET	by G.Bailey (view profile)	rating: Hold
ALFC performance: Price near date of rating (06/18/2003): 17.50 Price near end of rating (01/30/2004): 19.99 Price change: +2.49 Dividends collected: 0.15 Gain/Loss over 226 days: +2.64 +15.09% Annualized Gain/Loss: +24.37% Its a hold based on valuation. I own some and plan to keep it but it is not cheap enough to attract new money Was this user's rating of 'ALFC' helpful to you?
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-- BCSB --
BCSB	Jul. 14 2003, 2:37 PM ET Rating changed on Oct. 30 2003, 4:18 PM ET	by G.Bailey (view profile)	rating: Hold
BCSB performance: Price near date of rating (07/14/2003): 17.33 Price near end of rating (10/30/2003): 17.09 Price change: -0.24 Dividends collected: 0.125 Gain/Loss over 108 days: -0.11 -0.66% Annualized Gain/Loss: -2.23% BelowBookValue"s recitation of the facts is accurate; but at its current p/e ratio, its a hold for my portfolio and a weak buy for a portfolio looking for good dividend income. You could get lucky and make some good money if it is bought by an MHC, does a second step conversion or actually starts making a decent earnings per share. Was this user's rating of 'BCSB' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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BCSB	Oct. 30 2003, 4:18 PM ET Rating changed on Dec. 22 2003, 3:49 PM ET	by G.Bailey (view profile)	rating: Hold
BCSB performance: Price near date of rating (10/30/2003): 17.09 Price near end of rating (12/22/2003): 17.97 Gain/Loss over 53 days: +0.88 +5.15% Annualized Gain/Loss: +35.47% I reiterate my hold rating. Everything ElevenWall says is true but the likelihood of anything positive happening soon is not great. A potential 50% pop is not very attractive if the likelihood of a second step or remute soon is not great. As for buying in the hope that a second step will go at 110% of book, that borders on the greater fool theory. In order for this one to become a buy, it needs to demonstrate to me an ability to make money. They have invested a lot in branch expansion. It remains to be seen whether that was a brilliant investment in building their franchise or just a waste of their capital. I keep watching and will shift to buy mode if they start making money. My prior comments were: BelowBookValue"s recitation of the facts is accurate; but at its current p/e ratio, its a hold for my portfolio and a weak buy for a portfolio looking for good dividend income. You could get lucky and make some good money if it is bought by an MHC, does a second step conversion or actually starts making a decent earnings per share. Was this user's rating of 'BCSB' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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BCSB	Dec. 22 2003, 3:49 PM ET Rating changed on Jan. 28 2004, 6:10 PM ET	by G.Bailey (view profile)	rating: Hold
BCSB performance: Price near date of rating (12/22/2003): 17.97 Price near end of rating (01/28/2004): 20.00 Price change: +2.03 Dividends collected: 0.125 Gain/Loss over 37 days: +2.16 +11.99% Annualized Gain/Loss: +118.28% I reiterate my hold rating. Elevenwall and others have articulated (1) the reasons why you can make some money if there is a remutualization or a second step and (2) that the company has not demonstrated an ability to make a meaningful profit. I have no idea haw anyone can rate this a buy unless they have some reason to expect a remutualization, a second step or a breakthrough in profits soon. Was this user's rating of 'BCSB' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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BCSB	Jan. 28 2004, 6:10 PM ET Rating closed on Feb. 18 2004, 12:29 PM ET	by G.Bailey (view profile)	rating: Sell
BCSB performance: Price near date of rating (01/28/2004): 20.00 Price near end of rating (02/18/2004): 21.80 Gain/Loss over 21 days: +1.80 +9.00% Annualized Gain/Loss: +156.43% Based on price appreciation I am downgrading from hold to sell. I have no idea how anyone can rate this a buy unless they have some reason to expect a remutualization, a second step or a breakthrough in profits soon. There are far better thrift investments available--synfd, nebs, bkmu. Was this user's rating of 'BCSB' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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-- CCFC --
CCFC	Jun. 18 2003, 5:37 PM ET Rating changed on Apr. 19 2004, 6:28 PM ET	by G.Bailey (view profile)	rating: Buy
CCFC performance: Price near date of rating (10/15/2003): 15.00 Price near end of rating (04/19/2004): 14.35 Gain/Loss over 306 days: -0.65 -4.33% Annualized Gain/Loss: -5.16% It's not the greatest S& L to ever convert but it is still cheap. I own it and bought more recently. Was this user's rating of 'CCFC' helpful to you?
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CCFC	Apr. 19 2004, 6:28 PM ET Rating closed on May. 18 2005, 5:16 PM ET	by G.Bailey (view profile)	rating: Hold
CCFC performance: Price near date of rating (04/19/2004): 14.35 Price near end of rating (05/18/2005): 14.75 Gain/Loss over 394 days: +0.40 +2.79% Annualized Gain/Loss: +2.58% There are better thrifts at lower prices available. Was this user's rating of 'CCFC' helpful to you?
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-- CFFN --
CFFN	Jun. 18 2003, 5:48 PM ET Rating closed on Dec. 19 2003, 3:02 PM ET	by G.Bailey (view profile)	rating: Hold
CFFN performance: Price near date of rating (06/18/2003): 28.74 Price near end of rating (12/19/2003): 35.67 Price change: +6.93 Dividends collected: 1.55 Gain/Loss over 184 days: +8.48 +29.51% Annualized Gain/Loss: +58.54% I agree with everything in other posts singing its praises but around 30 I think I can find better value elsewhere. I keep watching it and will buy if it gets cheap. Was this user's rating of 'CFFN' helpful to you?
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-- CHFN --
CHFN	Jun. 18 2003, 5:24 PM ET Rating changed on Oct. 15 2003, 11:24 AM ET	by G.Bailey (view profile)	rating: Buy
CHFN performance: Price near date of rating (06/18/2003): 28.69 Price near end of rating (10/15/2003): 34.94 Price change: +6.25 Dividends collected: 0.2 Gain/Loss over 119 days: +6.45 +22.48% Annualized Gain/Loss: +68.95% If there are no major problems at FRE, this is darned cheap but it is not for the risk averse; because I can't have the confidence I would like in FRE. Was this user's rating of 'CHFN' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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CHFN	Oct. 15 2003, 11:24 AM ET Rating changed on Jan. 28 2004, 6:15 PM ET	by G.Bailey (view profile)	rating: Buy
CHFN performance: Price near date of rating (10/15/2003): 34.94 Price near end of rating (01/28/2004): 39.69 Price change: +4.75 Dividends collected: 0.2 Gain/Loss over 105 days: +4.95 +14.17% Annualized Gain/Loss: +49.26% I reiterate buy rating. Since my previous buy rating, the risks have been reduced but that has been offset by an increase in the price. My previous comments were: If there are no major problems at FRE, this is darned cheap but it is not for the risk averse; because I can't have the confidence I would like in FRE. Was this user's rating of 'CHFN' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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CHFN	Jan. 28 2004, 6:15 PM ET Rating closed on Feb. 18 2004, 12:32 PM ET	by G.Bailey (view profile)	rating: Hold
CHFN performance: Price near date of rating (01/28/2004): 39.69 Price near end of rating (02/18/2004): 40.10 Gain/Loss over 21 days: +0.41 +1.03% Annualized Gain/Loss: +17.90% It has gotten too rich for me to buy but remains a hold. Was this user's rating of 'CHFN' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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CHFN	May. 9 2005, 11:09 PM ET Rating changed on Jul. 13 2005, 4:23 PM ET	by G.Bailey (view profile)	rating: Strong Buy
CHFN performance: Price near date of rating (05/09/2005): 31.83 Price near end of rating (07/13/2005): 36.18 Price change: +4.35 Dividends collected: 0.35 Gain/Loss over 65 days: +4.70 +14.77% Annualized Gain/Loss: +82.94% This one has dropped back into strong buy territory. The fundamental argument about Freddie Mac stock and dividend waivers remains intact. The price just does not reflect those fundamentals. Plus you get a good dividend while you wait. Was this user's rating of 'CHFN' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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CHFN	Jul. 13 2005, 4:23 PM ET Rating changed on Jul. 26 2005, 11:43 AM ET	by G.Bailey (view profile)	rating: Buy
CHFN performance: Price near date of rating (07/13/2005): 36.18 Price near end of rating (07/26/2005): 34.71 Gain/Loss over 13 days: -1.47 -4.06% Annualized Gain/Loss: -113.99% Still attractive but no longer the screaming bargain it was about 5 points lower Was this user's rating of 'CHFN' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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CHFN	Jul. 26 2005, 11:43 AM ET Rating changed on Sep. 27 2006, 6:21 PM ET	by G.Bailey (view profile)	rating: Strong Buy
CHFN performance: Price near date of rating (07/26/2005): 34.71 Price near end of rating (09/27/2006): 39.86 Price change: +5.15 Dividends collected: 4.15 Gain/Loss over 428 days: +9.30 +26.79% Annualized Gain/Loss: +22.85% Recent price drop makes this a strong buy unless you really think that there is a nationwide housing bubble. Collect your regular dividends that cost the company almost nothing due to the MHC dividend waiver whille you wait for more special dividends from time to time. Was this user's rating of 'CHFN' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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CHFN	Sep. 27 2006, 6:21 PM ET Rating changed on Oct. 30 2006, 9:57 PM ET	by G.Bailey (view profile)	rating: Buy
CHFN performance: Price near date of rating (09/27/2006): 39.86 Price near end of rating (10/30/2006): 47.36 Gain/Loss over 33 days: +7.50 +18.82% Annualized Gain/Loss: +208.16% Drop from a strong buy to a buy/hold based on appreciation and receipt of the special dividend. The dividend waiver is still a powerful value creator for this mhc. The construction of an automobile plant in their county gives them an opportunity to grow the business while they milk the Freddie Mac stock portfolio they own. I am holding but am not adding to my positions. Was this user's rating of 'CHFN' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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CHFN	Oct. 30 2006, 9:57 PM ET Rating changed on Feb. 22 2007, 4:14 PM ET	by G.Bailey (view profile)	rating: Hold
CHFN performance: Price near date of rating (10/30/2006): 47.36 Price near end of rating (02/22/2007): 47.30 Price change: -0.06 Dividends collected: 0.45 Gain/Loss over 115 days: +0.39 +0.82% Annualized Gain/Loss: +2.60% It is probably still cheap but I am spoiled from having bought my position at much lower prices. I am dropping my rating to hold. I previously said: Drop from a strong buy to a buy/hold based on appreciation and receipt of the special dividend. The dividend waiver is still a powerful value creator for this mhc. The construction of an automobile plant in their county gives them an opportunity to grow the business while they milk the Freddie Mac stock portfolio they own. I am holding but am not adding to my positions. Was this user's rating of 'CHFN' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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CHFN	Feb. 22 2007, 4:14 PM ET Rating changed on Sep. 28 2007, 7:30 PM ET	by G.Bailey (view profile)	rating: Buy
CHFN performance: Price near date of rating (02/22/2007): 47.30 Price near end of rating (09/28/2007): 54.00 Price change: +6.70 Dividends collected: 1.5 Gain/Loss over 217 days: +8.20 +17.34% Annualized Gain/Loss: +29.17% If you have a long term horizon and are not worried about liquidity, CHFN is back in the BUY category. Just put it away, collect your regular and special dividends and forget about it. I already own a slug of this and am not adding; because I do believe in diversification. The dividend waiver is still a powerful value creator for this mhc. The construction of an automobile plant in their county gives them an opportunity to grow the business while they milk the Freddie Mac stock portfolio they own. I believe in rooting for the Johnsons to get filthy rich as long as they take me along for the ride. Was this user's rating of 'CHFN' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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CHFN	Sep. 28 2007, 7:30 PM ET Rating closed on Aug. 4 2009, 6:59 PM ET	by G.Bailey (view profile)	rating: Hold
CHFN performance: Price near date of rating (09/28/2007): 54.00 Price near end of rating (08/04/2009): 13.75 Price change: -40.25 Dividends collected: 5.75 Gain/Loss over 676 days: -34.50 -63.89% Annualized Gain/Loss: -34.50% Based on valuation, move CHFN to a HOLD. Longterm it still makes sense. My previous comments were: If you have a long term horizon and are not worried about liquidity, CHFN is back in the BUY category. Just put it away, collect your regular and special dividends and forget about it. I already own a slug of this and am not adding; because I do believe in diversification. The dividend waiver is still a powerful value creator for this mhc. The construction of an automobile plant in their county gives them an opportunity to grow the business while they milk the Freddie Mac stock portfolio they own. I believe in rooting for the Johnsons to get filthy rich as long as they take me along for the ride. Was this user's rating of 'CHFN' helpful to you? Currently:   4 said yes (of 4 -- 100.00%)
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-- CTZN --
CTZN	Jun. 18 2003, 5:46 PM ET Rating closed on Oct. 3 2003, 1:36 PM ET	by G.Bailey (view profile)	rating: Hold
CTZN performance: Price near date of rating (06/18/2003): 21.90 Price near end of rating (10/03/2003): 21.50 Price change: -0.40 Dividends collected: 0.09 Gain/Loss over 107 days: -0.31 -1.42% Annualized Gain/Loss: -4.84% Great S & L conversion and a well run operation-- just not cheap enough to attract me. I bought in the IPO and sold at 20 when I needed to raise some money but am still holding it in my kids portfolios Was this user's rating of 'CTZN' helpful to you?
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-- FRE --
FRE	Jun. 18 2003, 5:53 PM ET Rating changed on Jan. 28 2004, 6:20 PM ET	by G.Bailey (view profile)	rating: Buy
FRE performance: Price near date of rating (06/18/2003): 52.00 Price near end of rating (01/28/2004): 62.20 Price change: +10.20 Dividends collected: 0.52 Gain/Loss over 224 days: +10.72 +20.62% Annualized Gain/Loss: +33.60% This one looks mighty cheap and mighty tempting. The risk, of course, is that the recent personnel changes and the investigations might indicate a substantial problem that has not been brought to light yet. I prefer to buy FRE by buying CHFN and not buying FRE directly. Buying out of favor stocks is a good approach to making money--you just have to live with the fact that a few of those out of favor stocks were out of favor for a good reason. Was this user's rating of 'FRE' helpful to you? Currently:   0 said yes (of 2 -- 0.00%)
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FRE	Jan. 28 2004, 6:20 PM ET Rating closed on May. 16 2005, 11:17 AM ET	by G.Bailey (view profile)	rating: Hold
FRE performance: Price near date of rating (01/28/2004): 62.20 Price near end of rating (05/16/2005): 62.70 Price change: +0.50 Dividends collected: 1.55 Gain/Loss over 473 days: +2.05 +3.30% Annualized Gain/Loss: +2.55% [ No comment ] Was this user's rating of 'FRE' helpful to you? Currently:   0 said yes (of 2 -- 0.00%)
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-- FRM --
FRM	Oct. 14 2003, 10:55 AM ET Rating changed on Jan. 13 2005, 12:09 PM ET	by G.Bailey (view profile)	rating: Strong Buy
FRM performance: Price near date of rating (10/14/2003): 2.59 Price near end of rating (01/13/2005): 2.88 Gain/Loss over 457 days: +0.29 +11.20% Annualized Gain/Loss: +8.95% Jewelry store with low p/e, high growth, insider buying, trading at about liquidation value. The risks are a complicated relationship to another jeweler and a lawsuit brought by factor who claims that many of the big jewelry store chains misled the factor concerning the financial condition of a supplier. With the caveat that the company paid for the research report by J. M. Dutton, the Dutton report available on its website does a good job of explaining the situation. Unless there is something rotten going on, this is cheap, cheap, cheap. I bought some around 11. It went to 15 and is back around 12. I plan to buy more. If any of you have some insights into this company or the jewelry business in general, I would like to hear about them especially if I am missing something. What little gems have you found? Was this user's rating of 'FRM' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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FRM	Jan. 13 2005, 12:09 PM ET Rating closed on May. 16 2005, 11:37 AM ET	by G.Bailey (view profile)	rating: Hold
FRM performance: Price near date of rating (01/13/2005): 2.88 Price near end of rating (05/16/2005): 1.91 Gain/Loss over 122 days: -0.97 -33.68% Annualized Gain/Loss: -100.76% I give up. I got this one wrong. I previously said. Jewelry store with low p/e, high growth, insider buying, trading at about liquidation value. The risks are a complicated relationship to another jeweler and a lawsuit brought by factor who claims that many of the big jewelry store chains misled the factor concerning the financial condition of a supplier. With the caveat that the company paid for the research report by J. M. Dutton, the Dutton report available on its website does a good job of explaining the situation. Unless there is something rotten going on, this is cheap, cheap, cheap. I bought some around 11. It went to 15 and is back around 12. I plan to buy more. If any of you have some insights into this company or the jewelry business in general, I would like to hear about them especially if I am missing something. What little gems have you found? Was this user's rating of 'FRM' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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-- HCBK --
HCBK	Jun. 26 2005, 6:54 PM ET Rating changed on Mar. 2 2006, 4:03 PM ET	by G.Bailey (view profile)	rating: Buy
HCBK performance: Price near date of rating (06/27/2005): 11.66 Price near end of rating (03/02/2006): 13.26 Price change: +1.60 Dividends collected: 0.215 Gain/Loss over 249 days: +1.81 +15.57% Annualized Gain/Loss: +22.82% At 11.50, HCBK is a long term buy. Well run and liquid. Was this user's rating of 'HCBK' helpful to you?
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HCBK	Mar. 2 2006, 4:03 PM ET Rating closed on Sep. 19 2006, 5:32 PM ET	by G.Bailey (view profile)	rating: Hold
HCBK performance: Price near date of rating (03/02/2006): 13.26 Price near end of rating (09/19/2006): 13.12 Price change: -0.14 Dividends collected: 0.15 Gain/Loss over 200 days: +0.01 +0.08% Annualized Gain/Loss: +0.15% Drop HCBK to a hold based on valuation. Still a good long term story and I plan to keep my large position but it is no place for new money. Previously I stated: At 11.50, HCBK is a long term buy. Well run and liquid. Was this user's rating of 'HCBK' helpful to you?
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-- HMC --
HMC	Jul. 14 2003, 2:49 PM ET Rating changed on Jul. 14 2003, 2:50 PM ET	by G.Bailey (view profile)	rating: Strong Buy
HMC performance: Price near date of rating (07/14/2003): 21.00 Price near end of rating (07/14/2003): 21.00 Gain/Loss over 0 days: 0.00 0.00% CHEAP. Just look at the pe ratio and tell me whether you would rather own this well run company which makes quality cars and is increasing market share or whether you would rather own a US or European car company that seems to be in business primarily to pay for their underfunded pension plans and unfunded retiree medical liabilities. Was this user's rating of 'HMC' helpful to you?
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HMC	Jul. 14 2003, 2:50 PM ET Rating closed on Jun. 28 2005, 5:41 PM ET	by G.Bailey (view profile)	rating: Strong Buy
HMC performance: Price near date of rating (07/14/2003): 21.00 Price near end of rating (06/28/2005): 24.70 Price change: +3.70 Dividends collected: 0.407 Gain/Loss over 715 days: +4.11 +19.56% Annualized Gain/Loss: +9.99% CHEAP. Just look at the pe ratio and tell me whether you would rather own this well run company which makes quality cars and is increasing market share or whether you would rather own a US or European car company that seems to be in business primarily to pay for their underfunded pension plans and unfunded retiree medical liabilities. I bought some at 19. Was this user's rating of 'HMC' helpful to you?
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-- JXVL --
JXVL	Jul. 11 2003, 10:50 AM ET Rating changed on Aug. 13 2003, 11:30 AM ET	by G.Bailey (view profile)	rating: Buy
JXVL performance: Price near date of rating (07/11/2003): 29.43 Price near end of rating (08/13/2003): 37.06 Gain/Loss over 33 days: +7.63 +25.93% Annualized Gain/Loss: +286.80% Well seasoned S & L that is still cheap based on book and earnings, buys back stock and pays a decent dividend. Was this user's rating of 'JXVL' helpful to you?
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JXVL	Aug. 13 2003, 11:30 AM ET Rating closed on Jan. 29 2004, 11:46 AM ET	by G.Bailey (view profile)	rating: Hold
JXVL performance: Price near date of rating (08/13/2003): 37.06 Price near end of rating (12/30/2003): 37.50 Price change: +0.44 Dividends collected: 0.15 Gain/Loss over 169 days: +0.59 +1.59% Annualized Gain/Loss: +3.43% Well its too late to buy it anymore. $37.50 is satisfactory but I had hoped that it would get to $40 on a buyout. My prior comments (when it was trading under $30) were: Well seasoned S & L that is still cheap based on book and earnings, buys back stock and pays a decent dividend. Was this user's rating of 'JXVL' helpful to you?
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-- KED --
KED	Sep. 18 2009, 9:09 PM ET Rating changed on Jan. 7 2010, 1:26 PM ET	by G.Bailey (view profile)	rating: Strong Buy
KED performance: Price near date of rating (09/18/2009): 13.36 Price near end of rating (01/07/2010): 15.57 Price change: +2.21 Dividends collected: 0.3 Gain/Loss over 111 days: +2.51 +18.79% Annualized Gain/Loss: +61.79% Pretty much the same as TTO. Was this user's rating of 'KED' helpful to you?
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KED	Jan. 7 2010, 1:26 PM ET Rating closed on Mar. 16 2010, 7:52 PM ET	by G.Bailey (view profile)	rating: Hold
KED performance: Price near date of rating (01/07/2010): 15.57 Price near end of rating (03/16/2010): 16.24 Price change: +0.67 Dividends collected: 0.3 Gain/Loss over 67 days: +0.97 +6.23% Annualized Gain/Loss: +33.94% Hold for the nice dividend but no longer at a big discount to net asset value. TTO is still at enough of a discount to net asset value to buy. Was this user's rating of 'KED' helpful to you?
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-- LBTM --
LBTM	Jun. 18 2003, 5:12 PM ET Rating changed on Oct. 14 2003, 11:05 AM ET	by G.Bailey (view profile)	rating: Buy
LBTM performance: Price near date of rating (06/18/2003): 21.31 Price near end of rating (10/14/2003): 24.75 Price change: +3.44 Dividends collected: 0.2 Gain/Loss over 118 days: +3.64 +17.08% Annualized Gain/Loss: +52.83% Actually my rating is buy/hold. This is a sleepy S & L that wants to act like its still a mutual. Its biggest attraction is the dividend. At some point (not anytime soon) there will be a bonanza when they do a second step or remutualize. I would not look for them to start trying to run this to significantly increase earnings or realize the value any time soon. Was this user's rating of 'LBTM' helpful to you?
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LBTM	Oct. 14 2003, 11:05 AM ET Rating closed on Dec. 22 2003, 12:06 PM ET	by G.Bailey (view profile)	rating: Hold
LBTM performance: Price near date of rating (10/14/2003): 24.75 Price near end of rating (12/22/2003): 29.60 Price change: +4.85 Dividends collected: 0.2 Gain/Loss over 69 days: +5.05 +20.40% Annualized Gain/Loss: +107.91% Has moved up and is no longer cheap. Will be fine over the long term but not much additional upside until they do a second step or remutualize. Previously my comments were: Actually my rating is buy/hold. This is a sleepy S & L that wants to act like its still a mutual. Its biggest attraction is the dividend. At some point (not anytime soon) there will be a bonanza when they do a second step or remutualize. I would not look for them to start trying to run this to significantly increase earnings or realize the value any time soon. Was this user's rating of 'LBTM' helpful to you?
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-- MAXF --
MAXF	Sep. 18 2003, 12:05 PM ET Rating closed on May. 16 2005, 11:39 AM ET	by G.Bailey (view profile)	rating: Strong Buy
MAXF performance: Price near date of rating (09/18/2003): 13.25 Price near end of rating (05/16/2005): 13.89 Price change: +0.64 Dividends collected: 0.378 Gain/Loss over 606 days: +1.02 +7.68% Annualized Gain/Loss: +4.63% dynamic growth at 9 times earnings and less than 2 times book; it even pays a dividend Was this user's rating of 'MAXF' helpful to you?
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-- MO --
MO	Jun. 18 2003, 5:43 PM ET Rating closed on Aug. 13 2003, 12:45 PM ET	by G.Bailey (view profile)	rating: Sell
MO performance: Price near date of rating (06/18/2003): 44.24 Price near end of rating (08/13/2003): 40.35 Gain/Loss over 56 days: -3.89 -8.79% Annualized Gain/Loss: -57.29% It sure looks cheap but I get real worried when you are relying on the states to keep it going; because the states have a stak in its survival (to pay everything it owes the states over the next 20 years) and then the states start selling bonds backed by the tobacco settlement payments; and maybe the states don't care so much whether the tobacco companies survive. Was this user's rating of 'MO' helpful to you?
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-- NEBS --
NEBS	Jan. 6 2003, 12:51 PM ET Rating changed on Jun. 18 2003, 5:21 PM ET	by G.Bailey (view profile)	rating: Buy
NEBS performance: Price near date of rating (01/06/2003): 14.95 Price near end of rating (06/18/2003): 16.00 Gain/Loss over 162 days: +1.05 +7.02% Annualized Gain/Loss: +15.82% [ Comments shared with private group only ]
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NEBS	Jun. 18 2003, 5:21 PM ET Rating closed on Feb. 3 2004, 1:09 PM ET	by G.Bailey (view profile)	rating: Hold
NEBS performance: Price near date of rating (06/18/2003): 16.00 Price near end of rating (02/03/2004): 20.00 Gain/Loss over 230 days: +4.00 +25.00% Annualized Gain/Loss: +39.67% I changed my rating to hold based on valuation. I own some and plan to keep it but it is not cheap enough now for me to buy more. My comments on my previous ratings were: No longer a strong buy due to price appreciation. Now a buy/hold. My previous comments when I thought it was a strong buy at 12 1/2 were as follows: Very cheap mhc on book and earnings using only public shares. If you are patient and a long term holder, liquidity should not matter much. Stay away if liquidity is important to you. Was this user's rating of 'NEBS' helpful to you?
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NEBS	May. 16 2005, 11:40 AM ET Rating changed on Jul. 13 2005, 4:20 PM ET	by G.Bailey (view profile)	rating: Buy
NEBS performance: Price near date of rating (05/16/2005): 15.50 Price near end of rating (07/13/2005): 22.50 Price change: +7.00 Dividends collected: 0.05 Gain/Loss over 58 days: +7.05 +45.48% Annualized Gain/Loss: +286.21% I may be early on this but it is looking cheap again. Was this user's rating of 'NEBS' helpful to you?
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NEBS	Jul. 13 2005, 4:20 PM ET Rating closed on Jul. 19 2005, 11:06 AM ET	by G.Bailey (view profile)	rating: Hold
NEBS performance: Price near date of rating (07/13/2005): 22.50 Price near end of rating (07/19/2005): 25.00 Gain/Loss over 6 days: +2.50 +11.11% Annualized Gain/Loss: +675.86% There may be a little juice left in this; but NEBS is not the place for new money. Was this user's rating of 'NEBS' helpful to you?
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-- PBCT --
PBCT	Feb. 4 2004, 10:27 AM ET Rating changed on Feb. 4 2004, 10:27 AM ET	by G.Bailey (view profile)	rating: Sell
PBCT performance: Price near date of rating (02/04/2004): 9.54 Price near end of rating (02/04/2004): 9.54 Gain/Loss over 0 days: 0.00 0.00% This is a good bank but the recent runup makes it no longer worth holding onto. Take your profits and run at 40x earnings. Was this user's rating of 'PBCT' helpful to you?
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PBCT	Feb. 4 2004, 10:27 AM ET Rating closed on Feb. 18 2004, 12:27 PM ET	by G.Bailey (view profile)	rating: Sell
PBCT performance: Price near date of rating (02/04/2004): 9.54 Price near end of rating (02/18/2004): 9.47 Gain/Loss over 14 days: -0.07 -0.73% Annualized Gain/Loss: -19.03% This is a good bank but the recent runup makes it no longer worth holding onto. Take your profits and run at 40x earnings. Was this user's rating of 'PBCT' helpful to you?
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-- PCBI --
PCBI	May. 16 2005, 11:16 AM ET Rating changed on Dec. 10 2006, 1:53 PM ET	by G.Bailey (view profile)	rating: Strong Buy
PCBI performance: Price near date of rating (05/16/2005): 21.30 Price near end of rating (12/11/2006): 17.12 Price change: -4.18 Dividends collected: 0.9 Gain/Loss over 573 days: -3.28 -15.40% Annualized Gain/Loss: -9.81% This one is really cheap, management owns a lot of stock and you have a good chance of getting bought out. Was this user's rating of 'PCBI' helpful to you?
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PCBI	Dec. 10 2006, 1:53 PM ET Rating closed on Sep. 30 2007, 09:34 AM ET	by G.Bailey (view profile)	rating: Hold
PCBI performance: Price near date of rating (12/11/2006): 17.12 Price near end of rating (10/01/2007): 17.55 Price change: +0.43 Dividends collected: 0.6 Gain/Loss over 293 days: +1.03 +6.02% Annualized Gain/Loss: +7.50% Dropping this to a hold based on Radsdad's mesage. I will continue to watch this one for a time to raise recommendation. My prior comments when I ranked as a buy were--This one is really cheap, management owns a lot of stock and you have a good chance of getting bought out. Was this user's rating of 'PCBI' helpful to you?
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-- PFE --
PFE	Jul. 7 2003, 2:05 PM ET Rating changed on Jul. 14 2003, 2:38 PM ET	by G.Bailey (view profile)	rating: Buy
PFE performance: Price near date of rating (07/07/2003): 34.40 Price near end of rating (07/14/2003): 33.84 Gain/Loss over 7 days: -0.56 -1.63% Annualized Gain/Loss: -84.99% In spite of good price appreciation since my initial buy rating, it still looks cheap for a growth stock. My prior comments were: Seldom do you get to buy a premier drug stock at 24 times earnings. Since I am far too cheap to buy it at a reasonable price, I have to buy it now and be confident that the demographics will take care of me. Was this user's rating of 'PFE' helpful to you?
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PFE	Jul. 14 2003, 2:38 PM ET Rating changed on Jul. 14 2003, 2:43 PM ET	by G.Bailey (view profile)	rating: Strong Buy
PFE performance: Price near date of rating (07/14/2003): 33.84 Price near end of rating (07/14/2003): 33.84 Gain/Loss over 0 days: 0.00 0.00% In spite of good price appreciation since my initial buy rating, it still looks cheap for a growth stock. My prior comments were: Seldom do you get to buy a premier drug stock at 24 times earnings. Since I am far too cheap to buy it at a reasonable price, I have to buy it now and be confident that the demographics will take care of me. Was this user's rating of 'PFE' helpful to you?
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PFE	Jul. 14 2003, 2:43 PM ET Rating changed on Feb. 6 2004, 2:00 PM ET	by G.Bailey (view profile)	rating: Strong Buy
PFE performance: Price near date of rating (07/14/2003): 33.84 Price near end of rating (02/06/2004): 38.85 Price change: +5.01 Dividends collected: 0.3 Gain/Loss over 207 days: +5.31 +15.69% Annualized Gain/Loss: +27.67% I have looked at this again and raised to a strong buy. This is a premier growth company in the pharmaceutical field. Its price has risen is the last few months but it is still very cheap low p/e by growth stock standards. I have bought some and continue to add to my position. It is not often that I find a growth stock that I feel comfortable saying that I am going to buy it and just put it away as a core holding but that's exactly what I plan to do with this.Our aging population and their increased use of drugs make this one a winner. Was this user's rating of 'PFE' helpful to you?
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PFE	Feb. 6 2004, 2:00 PM ET Rating changed on Dec. 13 2005, 12:35 PM ET	by G.Bailey (view profile)	rating: Buy
PFE performance: Price near date of rating (02/06/2004): 38.85 Price near end of rating (12/13/2005): 22.31 Price change: -16.54 Dividends collected: 1.44 Gain/Loss over 676 days: -15.10 -38.87% Annualized Gain/Loss: -20.99% Dropped from strong buy to buy based on recent appreciation. I previously stated: I have looked at this again and raised to a strong buy. This is a premier growth company in the pharmaceutical field. Its price has risen is the last few months but it is still very cheap low p/e by growth stock standards. I have bought some and continue to add to my position. It is not often that I find a growth stock that I feel comfortable saying that I am going to buy it and just put it away as a core holding but that's exactly what I plan to do with this.Our aging population and their increased use of drugs make this one a winner. Was this user's rating of 'PFE' helpful to you?
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PFE	Dec. 13 2005, 12:35 PM ET Rating closed on Sep. 27 2006, 6:24 PM ET	by G.Bailey (view profile)	rating: Strong Buy
PFE performance: Price near date of rating (12/13/2005): 22.31 Price near end of rating (09/27/2006): 28.41 Price change: +6.10 Dividends collected: 0.72 Gain/Loss over 287 days: +6.82 +30.57% Annualized Gain/Loss: +38.88% I have been wrong on Pfizer for so long that one of these days I have to be right. Cheap valuation and raising their dividends. It is not often that I find a growth stock that I feel comfortable saying that I am going to buy it and just put it away as a core holding but that's exactly what I plan to do with this.Our aging population and their increased use of drugs make this one a winner. Was this user's rating of 'PFE' helpful to you?
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-- RFBK --
RFBK	Jun. 19 2003, 3:28 PM ET Rating changed on Dec. 19 2003, 12:25 PM ET	by G.Bailey (view profile)	rating: Buy
RFBK performance: Price near date of rating (10/07/2003): 13.00 Price near end of rating (12/19/2003): 20.00 Gain/Loss over 183 days: +7.00 +53.85% Annualized Gain/Loss: +107.41% JimmyBodeen and Doss2 have set forth a good analysis. It's cheap and clean and should be nicely profitable when it becomes a small office of a bigger bank. I have bought recently and may buy more. I really like it but it does not have me salivating; so it cannot qualify for strong buy. Was this user's rating of 'RFBK' helpful to you?
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RFBK	Dec. 19 2003, 12:25 PM ET Rating closed on Jan. 30 2004, 5:35 PM ET	by G.Bailey (view profile)	rating: Hold
RFBK performance: Price near date of rating (12/19/2003): 20.00 Price near end of rating (01/30/2004): 19.10 Gain/Loss over 42 days: -0.90 -4.50% Annualized Gain/Loss: -39.11%