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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 persistent'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 +193.19%(over an avg. of 3108.36 days) +22.69%
buy +28.50%(over an avg. of 5832.00 days) +1.78%


Jump to rating for: AAPL   BARI   CBH   CLFC   FFFL   FNFG   GLD   HCBK   KNBT   LABC   NABC   PPBI   SFFS   SOV   WIN  

NOTE: areas highlighted in blue indicate that this user is sharing the highlighted information with their private group ONLY
-- AAPL --
AAPL Mar. 6 2010, 01:11 AM ET by persistent (view profile) rating: Strong Buy
AAPL performance:
Price near date of rating (03/08/2010): 7.83
Recent price (10/20/2021): 149.26
Price change: +141.43
Dividends collected: 5.66964

Gain/Loss over 4247 days: +147.10 +1878.67% Annualized Gain/Loss: +161.46%
This is the company of the decade, rich innovative and successful in capturing the imagination of the world.

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

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-- BARI --
BARI Sep. 18 2006, 1:36 PM ET
Rating changed on
Sep. 22 2006, 12:47 PM ET
by persistent (view profile) rating: Strong Buy
BARI performance:
Price near date of rating (09/18/2006): 43.50
Price near end of rating (09/22/2006): 45.35

Gain/Loss over 4 days: +1.85 +4.25% Annualized Gain/Loss: +387.81%
Bancorp of Rhode Island, Inc --

BARI Bancorp of Rhode Island continues to perform well. As mentioned before, the activist firm SL Capital has purchased 8% of the shares and is seeking 4 board seats. They have been successful in about 8 out of 10 previous attempts to force a sale. BARI's meeting is in May of 2007; however, BARI may decide to forego the vote and sell. I own four thousand shares. It is already up 10% since the annoucnement by SL Capital.

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BARI Sep. 22 2006, 12:47 PM ET by persistent (view profile) rating: Strong Buy
BARI performance:
Price near date of rating (09/22/2006): 45.35
Recent price (12/30/2011): 39.70
Price change: -5.65
Dividends collected: 3.56

Gain/Loss over 5509 days: -2.09 -4.61% Annualized Gain/Loss: -0.31%
Bancorp of Rhode Island, Inc --

BARI Bancorp of Rhode Island continues to perform well. As mentioned before, the activist firm SL Capital has purchased 8% of the shares and is seeking 4 board seats. They have been successful in about 8 out of 10 previous attempts to force a sale. BARI's meeting is in May of 2007; however, BARI may decide to forego the vote and sell. I own four thousand shares. It is already up 10% since the annoucnement by SL Capital.

One of the reasons that BARI has traded up of late is that People's has announced and would likley look at BARI. Then again so to would New Alliance and Bank North.

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-- CBH --
CBH Nov. 25 2003, 3:06 PM ET by persistent (view profile) rating: Buy
CBH performance:
Price near date of rating (11/25/2003): 26.20
Recent price (10/20/2021): 10.38
Price change: -15.82
Dividends collected: 4.24999999999999

Gain/Loss over 6540 days: -11.57 -44.16% Annualized Gain/Loss: -2.46%
This is a remarkable bank in that its goal is to be the most convenient bank in the area in terms of accessibility. It is open on weekends and offers free atm's. It also does some 'catchy' things like providing coin counters for easy deposit of coins. Commerce Bank seeks to become the MacDonalds of banking and appears to be well on its way. I bought a small position after hearing its presentation at the Ryun Beck Conference.

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-- CLFC --
CLFC Oct. 10 2003, 11:23 AM ET by persistent (view profile) rating: Buy
CLFC performance:
Price near date of rating (10/10/2003): 10.37
Recent price (11/30/2011): 7.37
Price change: -3.00
Dividends collected: 0.91

Gain/Loss over 6587 days: -2.09 -20.15% Annualized Gain/Loss: -1.12%
This is a very solid Korean bank in LA. It along withseveral others have excellent prospect for share price appreciation further growth, buy backs and consolidation.

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-- FFFL --
FFFL Nov. 2 2004, 06:55 AM ET
Rating changed on
Nov. 3 2004, 4:18 PM ET
by persistent (view profile) rating: Strong Buy
FFFL performance:
Price near date of rating (11/02/2004): 27.02
Price near end of rating (11/03/2004): 26.62

Gain/Loss over 1 day: -0.40 -1.48% Annualized Gain/Loss: -540.20%
FBR ranks this bank as their number one pick. It is expanding in prime Florida areas and appears likely to be purchased in the not too distant future.

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

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FFFL Nov. 3 2004, 4:18 PM ET
Rating changed on
Jan. 11 2005, 1:09 PM ET
by persistent (view profile) rating: Strong Buy
FFFL performance:
Price near date of rating (11/03/2004): 26.62
Price near end of rating (01/11/2005): 25.57
Price change: -1.05
Dividends collected: 0.05333

Gain/Loss over 69 days: -1.00 -3.74% Annualized Gain/Loss: -19.78%
FBR ranks this bank as their number one pick. It is expanding in prime Florida areas and appears likely to be purchased in the not too distant future.Recently FFFL backed out of the KBW conference. The likelihood is that they are either discussing a merger, an acquisition or the issuing Preferred stock. All are good. FFFL has an efficiency rating of 70% which ironically makes it a better candidate for an acquirer since the acquirer would believe it could make the bank more efficient.

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

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FFFL Jan. 11 2005, 1:09 PM ET by persistent (view profile) rating: Strong Buy
FFFL performance:
Price near date of rating (01/11/2005): 25.57
Recent price (07/25/2007): 39.33
Price change: +13.76
Dividends collected: 0.56

Gain/Loss over 6127 days: +14.32 +56.00% Annualized Gain/Loss: +3.34%
FBR ranks this bank as their number one pick. It is expanding in prime Florida areas and appears likely to be purchased in the not too distant future.Recently FFFL backed out of the KBW conference. The likelihood is that they are either discussing a merger, an acquisition or the issuing Preferred stock. All are good. FFFL has an efficiency rating of 70% which ironically makes it a better candidate for an acquirer since the acquirer would believe it could make the bank more efficient.

At present FFFL ($38.5) is particularly attractive. On the 14th January it will split 3 for 2. Its deposit premium is only 18-19% whereas the Florida franchises trade at premiums of 23 -24%. It won’t be independent in 2 years and according KBW and is worth $43 on its own right now.

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

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-- FNFG --
FNFG May. 4 2003, 10:59 PM ET by persistent (view profile) rating: Buy
FNFG performance:
Price near date of rating (05/05/2003): 12.70
Recent price (07/29/2016): 10.18
Price change: -2.52
Dividends collected: 5.65

Gain/Loss over 6746 days: +3.13 +24.65% Annualized Gain/Loss: +1.33%
Laurie Hunsicker from fbr selected fnfg and sffs and csbc as her chhoices for the snl dart board. She is leading the competition. She is my guru.

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-- GLD --
GLD Aug. 21 2011, 11:56 AM ET
Rating changed on
Aug. 25 2011, 07:42 AM ET
by persistent (view profile) rating: Strong Buy
GLD performance:
Price near date of rating (08/22/2011): 184.59
Price near end of rating (08/25/2011): 172.36

Gain/Loss over 4 days: -12.23 -6.63% Annualized Gain/Loss: -604.99%
Gold is the only ‘apparent safe haven’. John Paulson has put his firm’s assets into gold stocks and founded a gold fund, which is his only major winner this year. Although it is a very crowed trade and a likely bubble, it does not appear to be on the verge of bursting, at least until the world economies gain some firmer footing.
Gold is currently selling for over $1850/oz. Just a few months ago it was selling at $1300/oz., a ~40% gain in a market where very few stocks have gained at all.

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

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GLD Aug. 25 2011, 07:42 AM ET
Rating closed on
May. 15 2013, 1:23 PM ET
by persistent (view profile) rating: Buy
GLD performance:
Price near date of rating (08/25/2011): 172.36
Price near end of rating (05/15/2013): 134.63

Gain/Loss over 629 days: -37.73 -21.89% Annualized Gain/Loss: -12.70%
Gold is the only ‘apparent safe haven’. John Paulson has put his firm’s assets into gold stocks and founded a gold fund, which is his only major winner this year. Although it is a very crowed trade and a likely bubble, it does not appear to be on the verge of bursting, at least until the world economies gain some firmer footing.
Gold is currently selling for over $1850/oz. Just a few months ago it was selling at $1300/oz., a ~40% gain in a market where very few stocks have gained at all.
According to strategic investor and commodities expert Dennis Gartman the sell-off is not a buying opportunity at all – the buying opportunity is behind us.

In fact, he thinks what’s happening right now is a classic sign of a top. “This was one of the great bubbles of our time.”

”I pay great attention to something technicans call an outside reversal – that is, the market made an all-time new high – closed on the lows of the day – then closed below the previous day’s lows. If you don’t pay attention to that and don’t liquidate you’re going to find yourself in a lot of trouble.”

In fact, Gartman is putting his money where his mouth is. 

”I sold a lot of gold in the last 54 hours – I wish I had sold everything and I wish I was short.”

And he’s not alone. Trader Steve Cortes thinks the patterns in the gold chart now are eerily similar to those in 1980 – when gold completely topped out for years to come.

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 1 said yes (of 1 -- 100.00%)

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-- HCBK --
HCBK Aug. 12 2003, 9:37 PM ET by persistent (view profile) rating: Strong Buy
HCBK performance:
Price near date of rating (08/12/2003): 8.58
Recent price (10/30/2015): 10.12
Price change: +1.54
Dividends collected: 3.95301

Gain/Loss over 6646 days: +5.49 +64.02% Annualized Gain/Loss: +3.52%
This bank is perhaps the most efficient in the USA. It is certainly going to go to a second step. Hernance told me I'd live to see the day that was two years ago. Although it has gone up considerably, it remains the class in the field.

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-- KNBT --
KNBT Nov. 4 2003, 1:49 PM ET by persistent (view profile) rating: Buy
KNBT performance:
Price near date of rating (11/04/2003): 17.01
Recent price (02/08/2008): 17.39
Price change: +0.38
Dividends collected: 1.2

Gain/Loss over 6561 days: +1.58 +9.29% Annualized Gain/Loss: +0.52%
Given the preponderence of buy recommendations from the various brokerage houses especially from FBR that cover the stock and given its very strong predicted and actual opening, I plan to keep this stock as long as I can afford to do so.

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 2 said yes (of 2 -- 100.00%)

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-- LABC --
LABC Aug. 17 2007, 03:14 AM ET
Rating changed on
Aug. 30 2007, 10:04 AM ET
by persistent (view profile) rating: Strong Buy
LABC performance:
Price near date of rating (08/17/2007): 10.90
Price near end of rating (08/30/2007): 10.85

Gain/Loss over 13 days: -0.05 -0.46% Annualized Gain/Loss: -12.92%
LABC Warren Mackey a former member of our group filed a 13D announcing that he has >9% of the stock of the bank. He had been the second largest shareholder of Center Financial which did very well. The stock held its price $10.80+ during this entire financial sell off. I have a postion in this bank.

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LABC Aug. 30 2007, 10:04 AM ET by persistent (view profile) rating: Strong Buy
LABC performance:
Price near date of rating (08/30/2007): 10.85
Recent price (09/15/2015): 24.36
Price change: +13.51
Dividends collected: 1.16

Gain/Loss over 5167 days: +14.67 +135.21% Annualized Gain/Loss: +9.55%
LABC Warren Mackey a former member of our group filed a 13D announcing that he has >9% of the stock of the bank. He had been the second largest shareholder of Center Financial which did very well. The stock held its price $10.80+ during this entire financial sell off. I have a postion in this bank.
In addition Michael Price and Sandler O'Neill have have also filed 13D's

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-- NABC --
NABC Apr. 9 2004, 10:52 AM ET by persistent (view profile) rating: Strong Buy
NABC performance:
Price near date of rating (04/12/2004): 14.32
Recent price (12/13/2004): 14.79
Price change: +0.47
Dividends collected: 0.08

Gain/Loss over 6405 days: +0.55 +3.84% Annualized Gain/Loss: +0.22%
FBR states that NABC is the most undervalued franchise out there and that NABC will certainly be added to the Russell. It has a clean balance and good location and is a $6,000,000,000 bank. At present, at $14.50 FBR feels that there are about 20,000,000 more shares to be flipped, as they are double counted that will be 40,000,000.

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

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-- PPBI --
PPBI Dec. 16 2003, 2:27 PM ET by persistent (view profile) rating: Buy
PPBI performance:
Price near date of rating (12/16/2003): 10.88
Recent price (10/20/2021): 42.77
Price change: +31.89
Dividends collected: 2.87

Gain/Loss over 6519 days: +34.76 +319.49% Annualized Gain/Loss: +17.89%
FBR likes this bank which appears to be a little CCBI. I bought a small position.

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-- SFFS --
SFFS Jul. 29 2003, 12:31 PM ET by persistent (view profile) rating: Buy
SFFS performance:
Price near date of rating (07/29/2003): 14.85
Recent price (07/17/2006): 20.72
Price change: +5.87
Dividends collected: 0.72

Gain/Loss over 6660 days: +6.59 +44.38% Annualized Gain/Loss: +2.43%
[ Comments shared with private group only ]
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-- SOV --
SOV Mar. 30 2004, 10:07 AM ET by persistent (view profile) rating: Buy
SOV performance:
Price near date of rating (03/30/2004): 20.28
Recent price (01/29/2009): 2.47
Price change: -17.81
Dividends collected: 0.86095

Gain/Loss over 6414 days: -16.95 -83.58% Annualized Gain/Loss: -4.76%
This bank has been growing aggressively by buying other banks and increasing its commercial loan portfolio for several years. It remains a candidate for an even larger acquirer like the Royal Bank of Scotland, which has been a rumored acquirer several times with attendant run ups of SOV's price. In each instance the rumor was not substantiated and in fact reliably refuted on each occasion. Nevertheless RBS or another bank may well make a bid. The takeout will likely be $30-35 according to Ryan Beck.

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 1 said yes (of 1 -- 100.00%)

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-- WIN --
WIN Nov. 9 2003, 12:49 PM ET
Rating changed on
Nov. 25 2003, 07:59 AM ET
by persistent (view profile) rating: Sell
WIN performance:
Price near date of rating (02/09/2005): 119.90
Price near end of rating (02/09/2005): 119.90

Gain/Loss over 16 days: 0.00 0.00% Annualized Gain/Loss: 0.00%
Gabelli's dictum of not betting against Wal Mart seems particularly relevant for holders of WIN, winn dixie stores, ($7.75/share) that compete head to head with WalMart in the South. The shares are already trading near their book value;consequently, this sell rating only applies until int about $7.25/share. In addition the Time's business section ran a harsh review of the company today, November 09, 2003. (Gabelli, incidentally, also recommends not betting against China which seems reasonble as well, but that is for another day.)

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WIN Nov. 25 2003, 07:59 AM ET
Rating closed on
Dec. 16 2003, 2:27 PM ET
by persistent (view profile) rating: Hold
WIN performance:
Price near date of rating (02/09/2005): 119.90
Price near end of rating (02/09/2005): 119.90

Gain/Loss over 21 days: 0.00 0.00% Annualized Gain/Loss: 0.00%
Gabelli's dictum of not betting against Wal Mart seems particularly relevant for holders of WIN, winn dixie stores, ($7.75/share) that compete head to head with WalMart in the South. The shares are already trading near their book value;consequently, this sell rating only applies until int about $7.25/share. In addition the Time's business section ran a harsh review of the company today, November 09, 2003. (Gabelli, incidentally, also recommends not betting against China which seems reasonble as well, but that is for another day.)
this has not worked out. so much for shorting.

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