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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 JOAC'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 +23.48%(over an avg. of 637.29 days) +13.45%
buy +22.52%(over an avg. of 3287.33 days) +2.50%
hold +8.81%(over an avg. of 4196.67 days) +0.77%
sell +23.45%(over an avg. of 166.00 days) +51.56%
strong sell +347.44%(over an avg. of 6909.00 days) +18.36%


Jump to rating for: ACAS   ALFC   BUCS   CFFN   CHFN   CSBK   DFBS   FPTB   FRE   HCBK   KNBT   MDNB   MO   NEBS   NVSL   PBNC   PFS   PRTR   RBLG   RFBK   RSVB   SFFS   SYNF   TDCB   TONE   WAWL   WFD   WGBC  

NOTE: areas highlighted in blue indicate that this user is sharing the highlighted information with their private group ONLY
-- ACAS --
ACAS Nov. 22 2002, 4:09 PM ET
Rating changed on
Jun. 16 2003, 3:26 PM ET
by JOAC (view profile) rating: Strong Buy
ACAS performance:
Price near date of rating (11/22/2002): 20.23
Price near end of rating (06/16/2003): 27.35
Price change: +7.12
Dividends collected: 2.04

Gain/Loss over 205 days: +9.16 +45.28% Annualized Gain/Loss: +80.62%
although i have life long moratorium on purchasing non-thrifts, I'd bet with jjr and gang becuase the brainpower trust
is very sound and through..jjr horn histream 18dudez and many other value people..add to that 40% short interest
and you have a potentiaL windfall int he making, additionally, herbs actions seemed to price this recent offering very well
for new investors, so many will have nice profits as this begins its ride upwards..as for my role if our gang is successfull
and nothing happens to acas and the stock drifts back to where it belongs on short covering..ill deliver the balona
to herb i presume his office is here in nyc....ill arrange the balona delivery!!!!!! herb can only so long sling mud
sonething must materialze other wise there will be stampede to cover...go acas..the shorts will be eaten alice by the dividend they must pay each quarter as they wait for ol herb to sling so more mud.......well call it a yuppie brand
of herbbalona

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Currently: 
 1 said yes (of 1 -- 100.00%)

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ACAS Jun. 16 2003, 3:26 PM ET
Rating closed on
Jun. 16 2003, 4:08 PM ET
by JOAC (view profile) rating: Hold
ACAS performance:
Price near date of rating (06/16/2003): 27.35
Price near end of rating (06/16/2003): 27.35

Gain/Loss over 0 days: 0.00 0.00%
[ No comment ]

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Currently: 
 1 said yes (of 1 -- 100.00%)

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-- ALFC --
ALFC Nov. 22 2002, 09:40 AM ET
Rating changed on
Jun. 16 2003, 3:27 PM ET
by JOAC (view profile) rating: Strong Buy
ALFC performance:
Price near date of rating (11/22/2002): 13.33
Price near end of rating (06/16/2003): 18.80

Gain/Loss over 205 days: +5.47 +41.04% Annualized Gain/Loss: +73.07%
this one converted to sellout buy under 14.50 price per share easy boring way to make money 22-24 takeover
price in three years should pay a div while we wait..

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Currently: 
 1 said yes (of 1 -- 100.00%)

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ALFC Jun. 16 2003, 3:27 PM ET
Rating closed on
Jun. 16 2003, 4:09 PM ET
by JOAC (view profile) rating: Hold
ALFC performance:
Price near date of rating (06/16/2003): 18.80
Price near end of rating (06/16/2003): 18.80

Gain/Loss over 0 days: 0.00 0.00%
[ No comment ]

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Currently: 
 1 said yes (of 1 -- 100.00%)

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-- BUCS --
BUCS Nov. 25 2002, 11:05 AM ET
Rating changed on
Jun. 16 2003, 3:28 PM ET
by JOAC (view profile) rating: Strong Buy
BUCS performance:
Price near date of rating (01/14/2004): 20.25
Price near end of rating (01/14/2004): 20.25

Gain/Loss over 202 days: 0.00 0.00% Annualized Gain/Loss: 0.00%
strong buy under 19 price per share this trident underwritten & advised pink sheet ownings mills maryland
thrift has a great business with the blue cross blue shield captive customers plus they have expanded and opened new
branch and have a great interent site mangement is top shelf....in 2 years this one should be sold out to one of the many
mhc and mutuals in the baltimore area who are hungry for growth and quality deposits and loans that bucs has in abundence draw back its pink and illiquid use to your atvantage watch and buy on dips book=26 price per share earnigs are very strong. very low risk takeover price=36 price per share

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Currently: 
 1 said yes (of 1 -- 100.00%)

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BUCS Jun. 16 2003, 3:28 PM ET
Rating closed on
Jun. 16 2003, 4:09 PM ET
by JOAC (view profile) rating: Hold
BUCS performance:
Price near date of rating (01/14/2004): 20.25
Price near end of rating (01/14/2004): 20.25

Gain/Loss over 0 days: 0.00 0.00%
[ No comment ]

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Currently: 
 1 said yes (of 1 -- 100.00%)

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-- CFFN --
CFFN Nov. 26 2002, 1:33 PM ET
Rating changed on
Jun. 16 2003, 3:29 PM ET
by JOAC (view profile) rating: Strong Buy
CFFN performance:
Price near date of rating (11/26/2002): 27.14
Price near end of rating (06/16/2003): 29.30
Price change: +2.16
Dividends collected: 0.45

Gain/Loss over 201 days: +2.61 +9.62% Annualized Gain/Loss: +17.47%
jimmy's got it

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Currently: 
 1 said yes (of 1 -- 100.00%)

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CFFN Jun. 16 2003, 3:29 PM ET
Rating closed on
Jun. 16 2003, 4:10 PM ET
by JOAC (view profile) rating: Hold
CFFN performance:
Price near date of rating (06/16/2003): 29.30
Price near end of rating (06/16/2003): 29.30

Gain/Loss over 0 days: 0.00 0.00%
[ No comment ]

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Currently: 
 1 said yes (of 1 -- 100.00%)

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-- CHFN --
CHFN Nov. 22 2002, 09:56 AM ET
Rating changed on
Jun. 16 2003, 3:30 PM ET
by JOAC (view profile) rating: Strong Buy
CHFN performance:
Price near date of rating (11/22/2002): 23.62
Price near end of rating (06/16/2003): 23.19
Price change: -0.43
Dividends collected: 0.16038

Gain/Loss over 205 days: -0.27 -1.14% Annualized Gain/Loss: -2.03%
this is a special situation buy under 35price per share. management is very smart and suitably aggressive. fre is expected to have low double diget growth. many MANY capital tools to deploy including buybacks remute(book =70) dividend
special dividends tax free returns of capital spin off of fre shares. chfn is grosslyovercapitalized and can afford all of these tools. chfn will expand by makin CASH mergers of other banks in its market area of western georgia and alabama. i expect
sharecount to go down and div yield to surge through the years....much value to be released for those who are patient holders as it may take time to set these shareholder value tools in place..there are very few shareholders (only 20%) for this very large
thrift as its the largest in georgia so its a leverage play as well as value play....johnson owns so much stock that
anything thats good for shareholder will benefit johnson both father and son......these guys deserve to make plenty
of loot for they created a big company with the prudent puchase of fre @ 1.40 price per share int he 1980's
and thus i submit shareholder should join for the ride this is not a regular thrift at all and arb firms have joined
us in buyin chfn and shorting fre options..also a choice that chfn might do as well..to rake in some additional income
sell calls on huge fre position? but lettin fre ride has worked just fine through the years for johnson and charter
buy it in the 20's and 30's because its still discounted to its remuted book value. fair value is 45-52 price per share

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CHFN Jun. 16 2003, 3:30 PM ET
Rating closed on
Jun. 16 2003, 4:11 PM ET
by JOAC (view profile) rating: Hold
CHFN performance:
Price near date of rating (06/16/2003): 23.19
Price near end of rating (06/16/2003): 23.19

Gain/Loss over 0 days: 0.00 0.00%
[ No comment ]

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-- CSBK --
CSBK Mar. 5 2004, 5:14 PM ET by JOAC (view profile) rating: Strong Buy
CSBK performance:
Price near date of rating (05/11/2004): 12.08
Recent price (03/29/2018): 15.65
Price change: +3.57
Dividends collected: 3.41374

Gain/Loss over 6439 days: +6.98 +57.81% Annualized Gain/Loss: +3.28%
I trust jimmy's opinion. I'd like to add the day one & day two tape is very bullish. The sharks are feeding. This one might have converted to have a profitable change in mangement. I think this one is a likely remuteee and id guess the price will be 18 so buying now in the high 12's leaves enough* vig yet not as much as a few years back. This is a safe stock to own at 13 . the ipoers aint selling. float is tight. clifton is very close to nyc we all have learned that the ones around nyc work. go clifford!

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Currently: 
 2 said yes (of 2 -- 100.00%)

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-- DFBS --
DFBS Dec. 31 2002, 3:45 PM ET
Rating changed on
Jun. 16 2003, 3:32 PM ET
by JOAC (view profile) rating: Strong Buy
DFBS performance:
Price near date of rating (12/31/2002): 27.23
Price near end of rating (06/16/2003): 33.00

Gain/Loss over 166 days: +5.77 +21.19% Annualized Gain/Loss: +46.59%
i like DFBS low risk.....greta management team who looks to retire soon....i see it selling out soon for 32 price per share.
easy coin should be gone by year end or sooner.

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DFBS Jun. 16 2003, 3:32 PM ET
Rating closed on
Jun. 16 2003, 4:12 PM ET
by JOAC (view profile) rating: Strong Buy
DFBS performance:
Price near date of rating (06/16/2003): 33.00
Price near end of rating (06/16/2003): 33.00

Gain/Loss over 0 days: 0.00 0.00%
[ No comment ]

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-- FPTB --
FPTB Nov. 22 2002, 10:03 AM ET
Rating changed on
Jun. 16 2003, 3:33 PM ET
by JOAC (view profile) rating: Strong Buy
FPTB performance:
Price near date of rating (11/22/2002): 15.41
Price near end of rating (06/16/2003): 18.55
Price change: +3.14
Dividends collected: 0.11

Gain/Loss over 205 days: +3.25 +21.09% Annualized Gain/Loss: +37.55%
mangement=top shelf ganz is very smart
location=top shelf
valuation=book=16 price per share
growth=all branches have be bought and are inplace expect very strong growth
insiders buys=excellent all directors bought 500k with own money and one bought a bunch on the open market in the 14's
depsoits=lots of core
risks= see tier one post

buy under 16 price per share

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FPTB Jun. 16 2003, 3:33 PM ET
Rating closed on
Jun. 16 2003, 4:12 PM ET
by JOAC (view profile) rating: Hold
FPTB performance:
Price near date of rating (06/16/2003): 18.55
Price near end of rating (06/16/2003): 18.55

Gain/Loss over 0 days: 0.00 0.00%
[ No comment ]

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-- FRE --
FRE Feb. 10 2003, 1:00 PM ET
Rating changed on
Jun. 16 2003, 3:34 PM ET
by JOAC (view profile) rating: Strong Buy
FRE performance:
Price near date of rating (02/10/2003): 55.14
Price near end of rating (06/16/2003): 52.00
Price change: -3.14
Dividends collected: 0.52

Gain/Loss over 125 days: -2.62 -4.75% Annualized Gain/Loss: -13.87%
FRE is a bargin. Its trading at the low end of its range. It is conservitive in its risk mangement. The general downturn in the market has made a bargin of this stock as rates are low and spreads wide. at 55 much
of the headline risk gas been purged. I like FRE see CHFN* for a better way to ride this one.

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FRE Jun. 16 2003, 3:34 PM ET
Rating closed on
Jun. 16 2003, 4:13 PM ET
by JOAC (view profile) rating: Strong Buy
FRE performance:
Price near date of rating (06/16/2003): 52.00
Price near end of rating (06/16/2003): 52.00

Gain/Loss over 0 days: 0.00 0.00%
[ No comment ]

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-- HCBK --
HCBK Nov. 22 2002, 10:28 AM ET
Rating closed on
Jun. 16 2003, 3:35 PM ET
by JOAC (view profile) rating: Buy
HCBK performance:
Price near date of rating (11/22/2002): 5.92
Price near end of rating (06/16/2003): 8.13
Price change: +2.21
Dividends collected: 0.07174

Gain/Loss over 205 days: +2.28 +38.54% Annualized Gain/Loss: +68.62%
vette kid and jimmybodeen said it best

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Currently: 
 1 said yes (of 1 -- 100.00%)

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-- KNBT --
KNBT Apr. 20 2004, 07:29 AM ET by JOAC (view profile) rating: Buy
KNBT performance:
Price near date of rating (04/20/2004): 15.64
Recent price (02/08/2008): 17.39
Price change: +1.75
Dividends collected: 1.2

Gain/Loss over 6394 days: +2.95 +18.86% Annualized Gain/Loss: +1.08%
Homemade liquidity coming soon. russell and mrp and regular buybacks are nearer
and i think will move price up against the stream now. fair value id say is around 17.
so can make a buck and half in one half year. much buypressure on the way!

this is a good long term hold besides.

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 3 said yes (of 3 -- 100.00%)

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-- MDNB --
MDNB Nov. 22 2002, 4:39 PM ET
Rating closed on
Jun. 16 2003, 3:37 PM ET
by JOAC (view profile) rating: Strong Buy
MDNB performance:
Price near date of rating (11/22/2002): 7.17
Price near end of rating (06/16/2003): 8.46
Price change: +1.29
Dividends collected: 0.02869

Gain/Loss over 205 days: +1.32 +18.39% Annualized Gain/Loss: +32.74%
overcapitalized trident underwritten-advised pink sheet otsmhc with tang book 11+ and remuted book 24.
the home of shervesport is the logical remuter as its only a few miles away and is mutual. this one branch shop
has 6 employees and lots of cash for special and regular waived dividends. the risk is its lousey market area
buy under 13 price per share. i expect plenty of dividends and a remute down the road..very cheap and safe
if you buy in at good prices....

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-- MO --
MO Nov. 21 2002, 4:45 PM ET by JOAC (view profile) rating: Strong Sell
MO performance:
Price near date of rating (11/21/2002): 37.41
Recent price (10/20/2021): 48.43
Price change: +11.02
Dividends collected: 118.959

Gain/Loss over 6909 days: +129.98 +347.44% Annualized Gain/Loss: +18.36%
we all know someone who has suffered from this lying addictions sales company who spike the sticks with more addictive
substances then tabbaco..sell this hellish stock and buy one of thrift favs and make money without moral hazard...sellMO
it stinks!

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 0 said yes (of 1 -- 0.00%)

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-- NEBS --
NEBS Nov. 22 2002, 10:29 AM ET
Rating closed on
Jun. 16 2003, 3:38 PM ET
by JOAC (view profile) rating: Strong Buy
NEBS performance:
Price near date of rating (01/06/2003): 14.95
Price near end of rating (06/16/2003): 16.15

Gain/Loss over 205 days: +1.20 +8.03% Annualized Gain/Loss: +14.30%
safe cheap profitable and remutable in and around hundreds of growth hungry mutuals andmhc's
buy under 14.50 price per share worth 28 in remute

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-- NVSL --
NVSL Oct. 25 2004, 3:14 PM ET by JOAC (view profile) rating: Hold
NVSL performance:
Price near date of rating (10/25/2004): 10.62
Recent price (01/15/2016): 10.95
Price change: +0.33
Dividends collected: 1.29268

Gain/Loss over 6206 days: +1.62 +15.28% Annualized Gain/Loss: +0.90%
What we have here is a stalemate , good location , ok size , good structure(div waiving mhc) ok mangement, BUT valuation is rich. This is why i say hold. Risk reward is ok
this stock will grind its way to 12 in 15 months , paying a tiny div waive , hopefully they will buyback stock and be able thus to waive more and more of its earnings to the minority
shareholders , its boring and safe with a 2nd step unlikely becuase growth is measured Buy on weakness in small lots only , this is not one of our stars but will do ok anyway . remute is possible with several mhc and mutuals and the bigger s & l in same town , might be a good way to combo them with this offering? ho hm stock : )

12 - 14 per share in 2+ years extreamly low balance sheet risk

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Currently: 
 2 said yes (of 2 -- 100.00%)

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-- PBNC --
PBNC Nov. 21 2002, 2:16 PM ET
Rating closed on
Jun. 16 2003, 3:39 PM ET
by JOAC (view profile) rating: Buy
PBNC performance:
Price near date of rating (01/22/2003): 15.58
Price near end of rating (06/16/2003): 17.33
Price change: +1.75
Dividends collected: 0.075

Gain/Loss over 206 days: +1.82 +11.71% Annualized Gain/Loss: +20.75%
.look for sellout at 22 price per share...a nice boring way to make a few bucks

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-- PFS --
PFS Jan. 19 2003, 09:34 AM ET
Rating closed on
Jun. 16 2003, 3:42 PM ET
by JOAC (view profile) rating: Strong Buy
PFS performance:
Price near date of rating (01/21/2003): 15.57
Price near end of rating (06/16/2003): 18.92
Price change: +3.35
Dividends collected: 0.04

Gain/Loss over 147 days: +3.39 +21.77% Annualized Gain/Loss: +54.05%
Is PFS a bank or a thrift? i see strong EPS growth from cost cutting-control and from organic growth of its commercial loan book funded by plenty of core depsoits. I agree with the gang here who put this one STRONG BUY ALERT...after market buy plan: buy some now at the market perhaps half your full load..then buy on any weakness(but you will have plenty of company here buying on weakness)...but after all its ok to buy in the 15's
longer term this one will reach up to the stars at 2 times book value as we see eps RAMP we own a bank here and this bank has plenty of improving and tuning to do in the next couple of years all to ADD to shareholder value.....but under 16.50 price per share as best you can..this is must own to the thriftster portfolio..pros who bought will not be selling all are holding
at least a good part of the orginal allocation ...rememebr banks inthis location with maybe 6-7billion in assetts in couple of years with a juicey loan book and core deposits will COMMAND very high deal prices at the block!

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-- PRTR --
PRTR Nov. 22 2002, 4:30 PM ET
Rating closed on
Jun. 16 2003, 3:43 PM ET
by JOAC (view profile) rating: Strong Buy
PRTR performance:
Price near date of rating (05/09/2007): 1.01
Price near end of rating (05/09/2007): 1.01

Gain/Loss over 205 days: 0.00 0.00% Annualized Gain/Loss: 0.00%
ditto what doss has said, plus id add that they might bulk up some more, might remute rome on the cheap
and bulk futher in market assetts and let management work its magic low risk but high reward long haul play...

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-- RBLG --
RBLG Oct. 27 2004, 6:44 PM ET by JOAC (view profile) rating: Hold
RBLG performance:
Price near date of rating (10/27/2004): 9.50
Recent price (08/02/2013): 8.25
Price change: -1.25
Dividends collected: 0.4

Gain/Loss over 6204 days: -0.85 -8.95% Annualized Gain/Loss: -0.53%
I am a RBLG bull ! ceo is new and has little control this bank is run as buy & hold says by directors who own 10% of our float. I just luv it when there is a new ceo , one that is NOT\entrenched with view or preserving a tradition like banking was a national treasure
or somethin , nah this oinker will be going to the block as the directors wish to cash in
its sleeping now around book in pinks , worth 19 in 3+ years , buy and put away
esp good under 10 mucho buyback power here , insiders bot 5% of float at issue,
they will support shareholder values , RBLG is another safe and boring way to make 15%
a year : 0 ) fair value is 11.25 stock is off and i think it was appraised fairly yet
the market sees it other wise??? how long will it remain under 10 , how long did self last in the 9's ? while a big round is coming it may remain dormant but soon will run to 10 3/4

RBL$ is a buy !!

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Currently: 
 1 said yes (of 1 -- 100.00%)

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-- RFBK --
RFBK Apr. 2 2003, 3:14 PM ET
Rating closed on
Jun. 16 2003, 3:44 PM ET
by JOAC (view profile) rating: Strong Buy
RFBK performance:
Price near date of rating (10/07/2003): 13.00
Price near end of rating (10/07/2003): 13.00

Gain/Loss over 74 days: 0.00 0.00% Annualized Gain/Loss: 0.00%
Ironically, this is a very safe stock to buy. The FDIC has taken over shop since former managment ran this little 30 mill assett thrift in the ground. We have new ceo and a loan book thats has been cleaned up, in fact has recoverys coming its way of over a buck per share. Over 6 million of high rate cds come due within one year juicing profitablity. this thrift has 200k shares out and im guessing after the cds reprice and the recoverys are booked we have a thrift with tang book int he 18+ range with 75 cents of profits per year. new ceo BOT max of 7500 shares and has some experience in bankin for many years. at the block this will go for low to mid 20's inthe meantime the FDIC will run this shop by the book and letter of the game, thus i say isay its low risk till its sold out
in a few years. BUY it at 12 or so gives a 6 buck discount to book. Additionally many pros own this stock
which will keep this float very tight...a safe way to make a few bucks!! BUY RANTOUL!!

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-- RSVB --
RSVB Nov. 25 2002, 11:01 AM ET
Rating closed on
Jun. 16 2003, 3:46 PM ET
by JOAC (view profile) rating: Strong Buy
RSVB performance:
Price near date of rating (11/25/2002): 12.95
Price near end of rating (06/16/2003): 17.00
Price change: +4.05
Dividends collected: 0.05

Gain/Loss over 202 days: +4.10 +31.66% Annualized Gain/Loss: +57.21%
strong buy under 13 price per share this little pittsburgh thrift converted to sellout insiders own plenty
its location is decent and should fetch a decnt price at the block drawback is its pink sheet listed but it
allows cheap entry price its lost and over looked but has a 21 dollar takeover value most little thrifts
in the pittsburgh area merge this will be no exception trident underwritten & advised....safe boring way to make
a decent return in 3 years.......

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-- SFFS --
SFFS Dec. 17 2002, 10:19 PM ET
Rating changed on
Jun. 16 2003, 3:48 PM ET
by JOAC (view profile) rating: Hold
SFFS performance:
Price near date of rating (12/17/2002): 10.95
Price near end of rating (06/16/2003): 13.05
Price change: +2.10
Dividends collected: 0.1

Gain/Loss over 180 days: +2.20 +20.09% Annualized Gain/Loss: +40.74%
pros=
ceo is 68
location excellent
decent size
good deposits

con=
90% fixed rate loan book spread will get hammered in short order when rates rise?
i guess its good if rates fall further? risk=higher rates and major NIM compression
i like this one but it has risks.....RATE RISK be carefull...im not sure if ill hold this one or not?

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SFFS Jun. 16 2003, 3:48 PM ET
Rating closed on
Jun. 16 2003, 3:48 PM ET
by JOAC (view profile) rating: Hold
SFFS performance:
Price near date of rating (06/16/2003): 13.05
Price near end of rating (06/16/2003): 13.05

Gain/Loss over 0 days: 0.00 0.00%
[ No comment ]

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-- SYNF --
SYNF Nov. 21 2002, 10:56 PM ET
Rating closed on
Jun. 16 2003, 3:49 PM ET
by JOAC (view profile) rating: Strong Buy
SYNF performance:
Price near date of rating (01/06/2003): 4.57
Price near end of rating (06/16/2003): 5.48

Gain/Loss over 206 days: +0.91 +19.91% Annualized Gain/Loss: +35.28%
this is fast growing trident underwritten-advised otsmhc in a rich nj area. mangement is very sharp and has invested in distressed auto loan paper and in new branch newtork. this is great speculation and a 2nd step conversion is likely
here because its capitial is lean and its growth fast. this is a growth story and money willbe made by riding this growth
up to 500million to 600million in assetts in afew years post 2nd step and then a juiecy takeover target cuz of its size
and locations.....30-40price per share takeover prediction in several years but while we wait we grow! buy on weakness
buy under 15 aggresively

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-- TDCB --
TDCB Jun. 30 2004, 11:07 AM ET by JOAC (view profile) rating: Buy
TDCB performance:
Price near date of rating (07/02/2004): 11.15
Recent price (10/20/2021): 16.50
Price change: +5.35
Dividends collected: 4.54

Gain/Loss over 6323 days: +9.89 +88.70% Annualized Gain/Loss: +5.12%
I agree with what was said above by snlguy , decent value has return to our subsector
this is offered below book @11.50 trading price 13+ book value , earnings are betetr then they appear on prospectus , costs will be lower , earnings on ipo proceeds higher , fastest growing town in IN , this is decent risk adjust buy , yet there will be many ecent values coming to market , so buy a little at a time , its a shoppers-nibblers market , pops now are muted , good values to be bot. this is a good one.

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Currently: 
 3 said yes (of 3 -- 100.00%)

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-- TONE --
TONE Nov. 21 2002, 11:02 PM ET
Rating closed on
Jun. 16 2003, 3:50 PM ET
by JOAC (view profile) rating: Strong Buy
TONE performance:
Price near date of rating (11/21/2002): 14.35
Price near end of rating (06/16/2003): 19.92

Gain/Loss over 206 days: +5.57 +38.82% Annualized Gain/Loss: +68.78%
buy under 15.50 per share gil the ceo is gona sell the joint and he is 4 years behind cuz of his failed 1998
conversion in three years we will be over 2 billion in assetts and a lot of the excess capitial will have been spent payin
us high dividends special dividiends and buybacks..this one will fetch a good sellout valuation to CFB or CFFN
or others.its good to own this one at book cuz it will command a decent premium for its franchise value
this is the only way to grow assetts in nebraska and i think ol gil is willing motivated seller and he bought heavy
at ipo over 1million of his own money..this one is gone and the tape is very busy funds are loading this
one in.....extreamly liquid and boring way to make good money 22-25 price per share takeover value

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-- WAWL --
WAWL Apr. 20 2004, 07:26 AM ET by JOAC (view profile) rating: Buy
WAWL performance:
Price near date of rating (04/20/2004): 11.00
Recent price (04/03/2018): 3.95
Price change: -7.05
Dividends collected: 1.735

Gain/Loss over 6394 days: -5.31 -48.32% Annualized Gain/Loss: -2.76%
BUY @11 . ROE=15%(preconversion) for this banklike pink small floated div waivin mhc. mangement is old
60's & 70's and bot plenty of stock in great bergen county nj location. wawel has good growth and should burn through this offerings cash in short order with organic growth and div waive and could have second step deal in the medium term 1-2 years , although 2nd step values are declin ing i think wawel biz is strong enough and justifys a buy here. this bank is run wisely

12.50-13.50 in ones years time 15% gainers each year.

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Currently: 
 2 said yes (of 2 -- 100.00%)

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-- WFD --
WFD Nov. 25 2002, 11:15 AM ET
Rating closed on
Jun. 16 2003, 3:52 PM ET
by JOAC (view profile) rating: Buy
WFD performance:
Price near date of rating (11/25/2002): 4.57
Price near end of rating (06/16/2003): 5.71
Price change: +1.14
Dividends collected: 0.03048

Gain/Loss over 202 days: +1.17 +25.61% Annualized Gain/Loss: +46.28%
safe boring way to make money in the mutual mhc rich area of western mass only drawback is that it is still
fdic should it switch to OTS id raise my rating to strong buy!......long term very good returns for patient investors
who buy in now......

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-- WGBC --
WGBC Dec. 31 2002, 3:50 PM ET
Rating closed on
Jun. 16 2003, 3:51 PM ET
by JOAC (view profile) rating: Sell
WGBC performance:
Price near date of rating (12/31/2002): 13.90
Price near end of rating (06/16/2003): 17.00
Price change: +3.10
Dividends collected: 0.16

Gain/Loss over 166 days: +3.26 +23.45% Annualized Gain/Loss: +51.56%
WGBC is rich time to sell..it must be near sellout but still this one is very rich by all measure a great time
to book a profit.....much better values avaliable....congrats wgbc holders...nice run...up 40% from 2nd stepp

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