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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 thriftinve'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 +33.61%(over an avg. of 232.00 days) +52.88%
buy +83.80%(over an avg. of 3249.45 days) +9.41%
hold -14.26%(over an avg. of 6461.67 days) -0.81%
sell +16.59%(over an avg. of 1986.67 days) +3.05%


Jump to rating for: AJSB   CFSL   FPTB   HBNK   HCBK   NEBS   PBNC   PFS   RPFG   SERC   SYNF   WFSM  

NOTE: areas highlighted in blue indicate that this user is sharing the highlighted information with their private group ONLY
-- AJSB --
AJSB Nov. 23 2002, 8:46 PM ET
Rating changed on
Jul. 29 2003, 1:40 PM ET
by thriftinve (view profile) rating: Buy
AJSB performance:
Price near date of rating (11/25/2002): 15.75
Price near end of rating (07/29/2003): 19.72

Gain/Loss over 247 days: +3.97 +25.21% Annualized Gain/Loss: +37.25%
[ No comment ]

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AJSB Jul. 29 2003, 1:40 PM ET
Rating changed on
Jul. 29 2003, 1:41 PM ET
by thriftinve (view profile) rating: Buy
AJSB performance:
Price near date of rating (07/29/2003): 19.72
Price near end of rating (07/29/2003): 19.72

Gain/Loss over 0 days: 0.00 0.00%
[ Comments shared with private group only ]
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AJSB Jul. 29 2003, 1:41 PM ET
Rating changed on
Jul. 29 2003, 2:18 PM ET
by thriftinve (view profile) rating: Buy
AJSB performance:
Price near date of rating (07/29/2003): 19.72
Price near end of rating (07/29/2003): 19.72

Gain/Loss over 0 days: 0.00 0.00%
Be patient. An OTS regulated MHC. If it plays its card right a second stage could lead to a price of $22-28. Remutualization could also lead to a purchase of about $28.

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AJSB Jul. 29 2003, 2:18 PM ET by thriftinve (view profile) rating: Buy
AJSB performance:
Price near date of rating (07/29/2003): 19.72
Recent price (01/24/2019): 15.73
Price change: -3.99
Dividends collected: 4.9998

Gain/Loss over 6660 days: +1.01 +5.12% Annualized Gain/Loss: +0.28%
Be patient. An OTS regulated MHC. If it plays its card right a second stage could lead to a price of $22-28. Remutualization could also lead to a purchase of about $28. (Previously rated a buy on 11/23/02 at about $16.25)

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-- CFSL --
CFSL Nov. 21 2002, 1:32 PM ET by thriftinve (view profile) rating: Hold
CFSL performance:
Price near date of rating (11/21/2002): 19.08
Recent price (10/29/2004): 31.35
Price change: +12.27
Dividends collected: 0.52

Gain/Loss over 6909 days: +12.79 +67.03% Annualized Gain/Loss: +3.54%
Trading at about book value. Management has not declared a dividend and I believe has not bought back stock. An acquisition is not on the horizon as the bank converted about one and a half years ago.

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-- FPTB --
FPTB Nov. 21 2002, 1:02 PM ET
Rating changed on
Nov. 3 2003, 10:16 AM ET
by thriftinve (view profile) rating: Buy
FPTB performance:
Price near date of rating (11/21/2002): 15.48
Price near end of rating (11/03/2003): 21.00
Price change: +5.52
Dividends collected: 0.18

Gain/Loss over 347 days: +5.70 +36.79% Annualized Gain/Loss: +38.70%
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Currently: 
 1 said yes (of 2 -- 50.00%)

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FPTB Nov. 3 2003, 10:16 AM ET by thriftinve (view profile) rating: Hold
FPTB performance:
Price near date of rating (11/03/2003): 21.00
Recent price (09/30/2011): 11.33
Price change: -9.67
Dividends collected: 3.94

Gain/Loss over 6562 days: -5.73 -27.29% Annualized Gain/Loss: -1.52%
[ Comments shared with private group only ]
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-- HBNK --
HBNK Oct. 31 2007, 2:05 PM ET
Rating changed on
Oct. 31 2007, 2:06 PM ET
by thriftinve (view profile) rating: Hold
HBNK performance:
Price near date of rating (10/31/2007): 10.90
Price near end of rating (10/31/2007): 10.90

Gain/Loss over 0 days: 0.00 0.00%
Did a standard conversion in January 2007. Announced late yesterday that its net income for the Third Quarter went up by $326,000 to $521,000. Will have a Special Meeting on 1/29/08 for shareholders to vote on its proposed Equity Incentive Plan. Declared a dividend of 3 cents. Stock is trading under book at about $10.75, with stock repurchases possible/likely in January 2008

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HBNK Oct. 31 2007, 2:06 PM ET
Rating changed on
Oct. 31 2007, 2:06 PM ET
by thriftinve (view profile) rating: Buy
HBNK performance:
Price near date of rating (10/31/2007): 10.90
Price near end of rating (10/31/2007): 10.90

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

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HBNK Oct. 31 2007, 2:06 PM ET by thriftinve (view profile) rating: Buy
HBNK performance:
Price near date of rating (10/31/2007): 10.90
Recent price (04/17/2015): 22.21
Price change: +11.31
Dividends collected: 1.28

Gain/Loss over 5105 days: +12.59 +115.50% Annualized Gain/Loss: +8.26%
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-- HCBK --
HCBK Nov. 21 2002, 1:13 PM ET by thriftinve (view profile) rating: Buy
HCBK performance:
Price near date of rating (11/21/2002): 5.91
Recent price (10/30/2015): 10.12
Price change: +4.21
Dividends collected: 4.06842

Gain/Loss over 6909 days: +8.28 +140.07% Annualized Gain/Loss: +7.40%
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-- NEBS --
NEBS Nov. 22 2002, 09:31 AM ET
Rating changed on
Jul. 12 2005, 4:58 PM ET
by thriftinve (view profile) rating: Buy
NEBS performance:
Price near date of rating (01/06/2003): 14.95
Price near end of rating (07/12/2005): 22.55
Price change: +7.60
Dividends collected: 0.1

Gain/Loss over 962 days: +7.70 +51.51% Annualized Gain/Loss: +19.54%
Great opportunity for a small MHC to be in an area with many mutuals and MHCs. Possible remutualization in 2 and a half years.

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NEBS Jul. 12 2005, 4:58 PM ET by thriftinve (view profile) rating: Hold
NEBS performance:
Price near date of rating (07/12/2005): 22.55
Recent price (11/16/2012): 13.73
Price change: -8.82
Dividends collected: 0.88

Gain/Loss over 5946 days: -7.94 -35.21% Annualized Gain/Loss: -2.16%
Previous explanation of purchase at $14.95: Great opportunity for a small MHC to be in an area with many mutuals and MHCs. Possible remutualization in 2 and a half years.

New Explanation of "hold" recommendation: After increase of $7 to $22.50 or so with the announcement of the second step, I lowered my rating of NEBS today as we do not know what the exchange ratio will be for the second step, which likely will not occur for three plus months.

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-- PBNC --
PBNC Nov. 21 2002, 1:09 PM ET
Rating changed on
Jul. 12 2005, 4:43 PM ET
by thriftinve (view profile) rating: Buy
PBNC performance:
Price near date of rating (01/22/2003): 15.58
Price near end of rating (07/12/2005): 22.58
Price change: +7.00
Dividends collected: 5.6

Gain/Loss over 963 days: +12.60 +80.87% Annualized Gain/Loss: +30.65%
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PBNC Jul. 12 2005, 4:43 PM ET by thriftinve (view profile) rating: Sell
PBNC performance:
Price near date of rating (07/12/2005): 22.58
Recent price (10/20/2021): 36.00
Price change: +13.42
Dividends collected: 0.89

Gain/Loss over 5946 days: +14.31 +63.37% Annualized Gain/Loss: +3.89%
This follows up my post from a few months ago. With the announced acquisition, to be completed later this year, take your substantial profits and move on to something else. (With the special dividend, I believe that I have more than doubled my money in about three years.)

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-- PFS --
PFS Jan. 13 2003, 1:04 PM ET
Rating changed on
Sep. 3 2003, 09:22 AM ET
by thriftinve (view profile) rating: Strong Buy
PFS performance:
Price near date of rating (01/16/2003): 15.50
Price near end of rating (09/03/2003): 20.62
Price change: +5.12
Dividends collected: 0.09

Gain/Loss over 232 days: +5.21 +33.61% Annualized Gain/Loss: +52.88%
[ Comments shared with private group only ]
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PFS Sep. 3 2003, 09:22 AM ET
Rating changed on
Sep. 3 2003, 09:32 AM ET
by thriftinve (view profile) rating: Buy
PFS performance:
Price near date of rating (09/03/2003): 20.62
Price near end of rating (09/03/2003): 20.62

Gain/Loss over 0 days: 0.00 0.00%
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PFS Sep. 3 2003, 09:32 AM ET by thriftinve (view profile) rating: Buy
PFS performance:
Price near date of rating (09/03/2003): 20.62
Recent price (10/20/2021): 24.88
Price change: +4.26
Dividends collected: 10.72

Gain/Loss over 6624 days: +14.98 +72.65% Annualized Gain/Loss: +4.00%
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-- RPFG --
RPFG Oct. 29 2003, 10:11 AM ET by thriftinve (view profile) rating: Hold
RPFG performance:
Price near date of rating (10/29/2003): 16.71
Recent price (11/15/2010): 0.01
Price change: -16.70
Dividends collected: 1.29

Gain/Loss over 6567 days: -15.41 -92.22% Annualized Gain/Loss: -5.13%
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-- SERC --
SERC Nov. 21 2002, 1:06 PM ET
Rating changed on
Apr. 14 2004, 2:01 PM ET
by thriftinve (view profile) rating: Buy
SERC performance:
Price near date of rating (11/21/2002): 16.95
Price near end of rating (04/14/2004): 30.00

Gain/Loss over 509 days: +13.05 +76.99% Annualized Gain/Loss: +55.21%
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SERC Apr. 14 2004, 2:01 PM ET
Rating changed on
Apr. 21 2004, 9:12 PM ET
by thriftinve (view profile) rating: Sell
SERC performance:
Price near date of rating (04/14/2004): 30.00
Price near end of rating (04/21/2004): 27.50

Gain/Loss over 7 days: -2.50 -8.33% Annualized Gain/Loss: -434.35%
I bought SERC about two years ago and recommended it as a "BUY" when BI.com first started ratings in November 2002. With the management games last year in awarding themselves benefits without considering the views of the public shareholders and the current trend of potential higher interest rates and momentum moving away from thrifts, I sold all my SERC holdings this morning at $30.50. While there are plenty of mutuals in Massachusetts that SERC could hook up with for a remutualization, I suspect that management likes things the way things currently are, where they can "have their cake and eat it too".

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SERC Apr. 21 2004, 9:12 PM ET by thriftinve (view profile) rating: Hold
SERC performance:
Price near date of rating (04/21/2004): 27.50
Recent price (07/01/2009): 27.96

Gain/Loss over 6393 days: +0.46 +1.67% Annualized Gain/Loss: +0.10%
I bought SERC about two years ago and recommended it as a "BUY" when BI.com first started ratings in November 2002. With the management games last year in awarding themselves benefits without considering the views of the public shareholders and the current trend of potential higher interest rates and momentum moving away from thrifts, I sold all my SERC holdings this morning at $30.50. While there are plenty of mutuals in Massachusetts that SERC could hook up with for a remutualization, I suspect that management likes things the way things currently are, where they can "have their cake and eat it too".

UPDATE: Given the 10% drop since my SELL Recommendation last week, I am increasing my rating from a SELL to a HOLD.

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-- SYNF --
SYNF Nov. 21 2002, 2:29 PM ET by thriftinve (view profile) rating: Buy
SYNF performance:
Price near date of rating (01/06/2003): 4.57
Recent price (10/05/2007): 15.22
Price change: +10.65
Dividends collected: 0.68

Gain/Loss over 6909 days: +11.33 +247.92% Annualized Gain/Loss: +13.10%
Look at what happened to Ridgewood Savings Bank, Pulaski Savings Bank, West Essex Savings Bank and Liberty Savings Bank. That's right they were /are New Jersey MHCs that were remutualized by a mutual institution at huge premiums to the public/minority shareholders. Kearny acquired West Essex and Pulaski, Liberty is being acquired by Northfield Savings and Ridgewood was hotly contested by Provident and Boiling Springs Savings Banks with Boiling Springs winning out. If history is any indication, the risk/reward ratio is looking good for SYNF. Monitor those car loans though!

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-- WFSM --
WFSM Nov. 21 2002, 1:07 PM ET
Rating changed on
Apr. 14 2004, 2:10 PM ET
by thriftinve (view profile) rating: Buy
WFSM performance:
Price near date of rating (11/21/2002): 22.05
Price near end of rating (04/14/2004): 37.00
Price change: +14.95
Dividends collected: 0.3

Gain/Loss over 509 days: +15.25 +69.16% Annualized Gain/Loss: +49.59%
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WFSM Apr. 14 2004, 2:10 PM ET
Rating changed on
Apr. 21 2004, 9:13 PM ET
by thriftinve (view profile) rating: Sell
WFSM performance:
Price near date of rating (04/14/2004): 37.00
Price near end of rating (04/21/2004): 35.05

Gain/Loss over 7 days: -1.95 -5.27% Annualized Gain/Loss: -274.79%
I bought WFSM about two years ago and recommended it as a "BUY" when Bi.com first started ratings in November 2002 (when WFSM was at about $22.00). With the current trend of potential higher interest rates and momentum moving away from thrifts and MHCs in particular, I sold all of my WFSM holdings this morning at $36.75. I rate it as a "HOLD" or a "SELL" depending on one's personal situation and at what price you can get out of this illiquid stock.

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WFSM Apr. 21 2004, 9:13 PM ET by thriftinve (view profile) rating: Hold
WFSM performance:
Price near date of rating (04/21/2004): 35.05
Recent price (08/24/2007): 34.50
Price change: -0.55
Dividends collected: 0.7

Gain/Loss over 6393 days: +0.15 +0.43% Annualized Gain/Loss: +0.02%
I bought WFSM about two years ago and recommended it as a "BUY" when Bi.com first started ratings in November 2002 (when WFSM was at about $22.00). With the current trend of potential higher interest rates and momentum moving away from thrifts and MHCs in particular, I sold all of my WFSM holdings this morning at $36.75. I rate it as a "HOLD" or a "SELL" depending on one's personal situation and at what price you can get out of this illiquid stock.

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