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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 buyandhold'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 +15.62%(over an avg. of 1374.20 days) +4.15%
buy -2.54%(over an avg. of 4226.00 days) -0.22%
hold +20.68%(over an avg. of 6524.33 days) +1.16%
sell -9.62%(over an avg. of 316.00 days) -11.11%


Jump to rating for: ALLB   BCSB   JXVL   RBLG   SFFS   SKBO   WAKE  

NOTE: areas highlighted in blue indicate that this user is sharing the highlighted information with their private group ONLY
-- ALLB --
ALLB Aug. 25 2003, 2:31 PM ET by buyandhold (view profile) rating: Hold
ALLB performance:
Price near date of rating (08/25/2003): 23.42
Recent price (10/09/2015): 23.98
Price change: +0.56
Dividends collected: 2.81

Gain/Loss over 6633 days: +3.37 +14.39% Annualized Gain/Loss: +0.79%
This is a situation where an analysis based strictly on the numbers can lead to frustration. Yes, ALLB is cheap on a remute basis, but that is an academic analysis which assumes that there is a remute in the offing. If you have ever had the "privilege" to sit down with Bill Hecht (which I have), you will rapidly move remute to the bottom of the list of strategic options. In the words of a local banker, this is a guy who is just thrilled to have a place to come in to work every day. Management has done a lousy job of running the bank based on profitability and non-performers and it does not pass my reasonability test to think that all of sudden they are going to change their stripes. Good luck...if you make big money here you will be bucking the odds.

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Currently: 
 1 said yes (of 2 -- 50.00%)

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-- BCSB --
BCSB Aug. 14 2003, 5:21 PM ET
Rating changed on
Jun. 25 2004, 11:58 AM ET
by buyandhold (view profile) rating: Sell
BCSB performance:
Price near date of rating (08/14/2003): 16.00
Price near end of rating (06/25/2004): 13.96
Price change: -2.04
Dividends collected: 0.5

Gain/Loss over 316 days: -1.54 -9.62% Annualized Gain/Loss: -11.11%
In a city not known for great thrift managements, BCSB fits perfectly. This franchise has never made decent returns and when they bought WHGB, it was a case of 0 plus 0 equaling perhaps .25. The MHC structure is absolutely the only asset worth mentioning here, and I am not confident they are smart enough to use it well, despite what happened nearby at Leeds. Good luck!

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BCSB Jun. 25 2004, 11:58 AM ET by buyandhold (view profile) rating: Hold
BCSB performance:
Price near date of rating (06/25/2004): 13.96
Recent price (02/14/2014): 24.68
Price change: +10.72
Dividends collected: 1.125

Gain/Loss over 6328 days: +11.84 +84.85% Annualized Gain/Loss: +4.89%
Upgrading this junker to Hold based on price decline. It is still terribly run but the gap between stock price and potential value has widened too much to keep it a Sell.

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-- JXVL --
JXVL Jul. 11 2003, 11:40 AM ET
Rating changed on
Jan. 29 2004, 1:11 PM ET
by buyandhold (view profile) rating: Strong Buy
JXVL performance:
Price near date of rating (07/11/2003): 29.43
Price near end of rating (12/30/2003): 37.50
Price change: +8.07
Dividends collected: 0.15

Gain/Loss over 202 days: +8.22 +27.93% Annualized Gain/Loss: +50.47%
One of the last repositories of value amond decent sized thrifts. Assuming rates do not rise sharply, earnings should remain over $3 a share. This company has always been run with the shareholders' interests in mind. Management owns a lot of stock and would certainly cash out if they received a reasonable offer.

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JXVL Jan. 29 2004, 1:11 PM ET
Rating closed on
Jan. 29 2004, 2:09 PM ET
by buyandhold (view profile) rating: Sell
Acquired by FBTX for $37.50

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-- RBLG --
RBLG Oct. 27 2004, 5:07 PM ET by buyandhold (view profile) rating: Buy
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%
No reason this should go up any time soon, but insiders never belly up to the bar in a second step transaction like they did this time. The board controls this bank, not the CEO, and they will want to monetize. While the market area is not exciting, they have done a pretty good job diversifying their lending and have a good deposit base. Needless to say, there are a large number of potential buyers.

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-- SFFS --
SFFS Jul. 16 2003, 5:26 PM ET
Rating changed on
Sep. 27 2003, 10:10 PM ET
by buyandhold (view profile) rating: Strong Buy
SFFS performance:
Price near date of rating (07/16/2003): 14.10
Price near end of rating (09/29/2003): 15.19
Price change: +1.09
Dividends collected: 0.05

Gain/Loss over 73 days: +1.14 +8.09% Annualized Gain/Loss: +40.45%
As today's purchase activity by New Haven should remind us, wealthy suburbs create valuable banking franchises. While SFFS trades at a premium to book, it will ultimately sell out for a much higher premium and management will work all available capital management strategies to optimize returns between now and then. Note that there has been insider buying since the second step transaction as well.

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

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SFFS Sep. 27 2003, 10:10 PM ET
Rating changed on
Sep. 30 2003, 10:13 AM ET
by buyandhold (view profile) rating: Buy
SFFS performance:
Price near date of rating (09/29/2003): 15.19
Price near end of rating (09/30/2003): 14.95

Gain/Loss over 3 days: -0.24 -1.58% Annualized Gain/Loss: -192.23%
As today's purchase activity by New Haven should remind us, wealthy suburbs create valuable banking franchises. While SFFS trades at a premium to book, it will ultimately sell out for a much higher premium and management will work all available capital management strategies to optimize returns between now and then. Note that there has been insider buying since the second step transaction as well.

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

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SFFS Sep. 30 2003, 10:13 AM ET
Rating changed on
Feb. 11 2004, 3:29 PM ET
by buyandhold (view profile) rating: Strong Buy
SFFS performance:
Price near date of rating (09/30/2003): 14.95
Price near end of rating (02/11/2004): 15.34
Price change: +0.39
Dividends collected: 0.12

Gain/Loss over 134 days: +0.51 +3.41% Annualized Gain/Loss: +9.29%
Fundamentals unchanged, but at 14.50 valuation is more compelling.



As today's purchase activity by New Haven should remind us, wealthy suburbs create valuable banking franchises. While SFFS trades at a premium to book, it will ultimately sell out for a much higher premium and management will work all available capital management strategies to optimize returns between now and then. Note that there has been insider buying since the second step transaction as well.

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

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SFFS Feb. 11 2004, 3:29 PM ET
Rating changed on
Feb. 12 2004, 5:45 PM ET
by buyandhold (view profile) rating: Strong Buy
SFFS performance:
Price near date of rating (02/11/2004): 15.34
Price near end of rating (02/12/2004): 15.46

Gain/Loss over 1 day: +0.12 +0.78% Annualized Gain/Loss: +284.70%
Recent emergence of PBCT as an incremental potential buyer two years out combined with two recent insider buys and the passing of SFFS' first anniversary as a full stock company provide a combination of catalysts for the next 24 months.



As today's purchase activity by New Haven should remind us, wealthy suburbs create valuable banking franchises. While SFFS trades at a premium to book, it will ultimately sell out for a much higher premium and management will work all available capital management strategies to optimize returns between now and then. Note that there has been insider buying since the second step transaction as well.

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

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SFFS Feb. 12 2004, 5:45 PM ET by buyandhold (view profile) rating: Strong Buy
SFFS performance:
Price near date of rating (02/12/2004): 15.46
Recent price (07/17/2006): 20.72
Price change: +5.26
Dividends collected: 0.6

Gain/Loss over 6461 days: +5.86 +37.90% Annualized Gain/Loss: +2.14%
Recent emergence of PBCT as an incremental potential buyer two years out combined with two recent insider buys and the passing of SFFS' first anniversary as a full stock company provide a combination of catalysts for the next 24 months.



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 2 said yes (of 2 -- 100.00%)

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-- SKBO --
SKBO Jun. 7 2003, 7:03 PM ET
Rating changed on
Sep. 15 2003, 7:07 PM ET
by buyandhold (view profile) rating: Buy
SKBO performance:
Price near date of rating (02/16/2006): 25.00
Price near end of rating (02/16/2006): 25.00

Gain/Loss over 100 days: 0.00 0.00% Annualized Gain/Loss: 0.00%
Cheap on remute value with a hungry remuter in the market. Generous dividend payer in a yield hungry stock market.

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SKBO Sep. 15 2003, 7:07 PM ET by buyandhold (view profile) rating: Hold
SKBO performance:
Price near date of rating (02/16/2006): 25.00
Recent price (06/25/2009): 15.70

Gain/Loss over 6612 days: -9.30 -37.20% Annualized Gain/Loss: -2.05%
Pure risk arbitrage at this point.

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-- WAKE --
WAKE Feb. 2 2004, 7:39 PM ET by buyandhold (view profile) rating: Buy
WAKE performance:
Price near date of rating (02/02/2004): 24.75
Recent price (10/20/2021): 18.75
Price change: -6.00
Dividends collected: 6.71999999999999

Gain/Loss over 6471 days: +0.72 +2.91% Annualized Gain/Loss: +0.16%
I too own some WAKE and by today's MHC standards it is not expensive. It is a clean efficient shop which wants to enrich its shareholders. My principal concern is that their lending focus is relatively aggressive...heavy on the construction and land loans. While they are in a good market and have had historically good asset quality, this is clearly riskier than a plain vanilla 1-4 lender.

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

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