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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 1557.20 days) +3.66% buy +20.64% (over an avg. of 4836.00 days) +1.56% hold +20.68% (over an avg. of 7439.33 days) +1.01% sell -9.62% (over an avg. of 316.00 days) -11.11% -- See performance by time period -- All ratings made during the year 2003 All ratings made during the year 2004 Ratings made during Jun, 2003 Ratings made during Jul, 2003 Ratings made during Aug, 2003 Ratings made during Sep, 2003 Ratings made during Jan, 2004 Ratings made during Feb, 2004 Ratings made during Jun, 2004 Ratings made during Oct, 2004

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 7548 days: +3.37 +14.39% Annualized Gain/Loss: +0.70% 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. Was this user's rating of 'ALLB' helpful to you? 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! Was this user's rating of 'BCSB' helpful to you?
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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 7243 days: +11.84 +84.85% Annualized Gain/Loss: +4.28% 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. Was this user's rating of 'BCSB' helpful to you?
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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. Was this user's rating of 'JXVL' helpful to you?
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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 Was this user's rating of 'JXVL' helpful to you?
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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 7119 days: -0.85 -8.95% Annualized Gain/Loss: -0.46% 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. Was this user's rating of 'RBLG' helpful to you?
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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. Was this user's rating of 'SFFS' helpful to you? 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. Was this user's rating of 'SFFS' helpful to you? 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. Was this user's rating of 'SFFS' helpful to you? 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. Was this user's rating of 'SFFS' helpful to you? 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 7376 days: +5.86 +37.90% Annualized Gain/Loss: +1.88% 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. Was this user's rating of 'SFFS' helpful to you? Currently:   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. Was this user's rating of 'SKBO' helpful to you?
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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 7527 days: -9.30 -37.20% Annualized Gain/Loss: -1.80% Pure risk arbitrage at this point. Was this user's rating of 'SKBO' helpful to you?
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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 (01/05/2024): 34.22 Price change: +9.47 Dividends collected: 8.45999999999999 Gain/Loss over 7386 days: +17.93 +72.44% Annualized Gain/Loss: +3.58% 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. Was this user's rating of 'WAKE' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
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