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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

FFFL Strong Buy   66.67% 2 members Buy   0.00% 0 members Hold   33.33% 1 members Sell   0.00% 0 members Strong Sell   0.00% 0 members
Average rating: 1.67 (Strong Buy) 1.00 - 5.00 (Strong Sell) Total: 3 members

Annual growth of FFFL: NOTE: areas highlighted in blue indicate that this user is sharing the highlighted information with their private group ONLY
Jan. 11 2005, 1:09 PM ET Nearest price: 25.57 (01/11/05)	by persistent (profile) (all of persistent's ratings)	rating: Strong Buy	(Previous rating: Strong Buy, on Nov. 3 2004, 4:18 PM ET)
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. Was this user's rating of 'FFFL' helpful to you? Currently:   2 said yes (of 2 -- 100.00%)
Nov. 5 2004, 3:02 PM ET Nearest price: 26.40 (11/05/04)	by sbguy (profile) (all of sbguy's ratings)	rating: Hold
i will admit that i am one of those drinkin' the kool-aid on this puppy. i have owned it ever since it tried to sell out at the 2 yr point (after ipo) and was told to wait 'til it is time (3yrs), by the regulators. i agree with those who point out that gold coast of fla is the most attractive place in the country for acquirors and FFFL has a great footprint in the PB cty/ broward cty , etc. area. so far so great! now for the caveat. at $40, it is @ 3.3x TBV. p/e is similarly in nosebleed territory. we are now at the 3yr + mark since IPO, so it is "good to go". my guess is the only thing holding things up is asking price. at $48, it will cost 3.8x TBV. ouch! i have no doubt it will go sooner rather than later, but not sure i think this is a good entry point. i think the price is discounting an imminent sale. may be better to wait for a 10% pullback, before establishing an entry. hence, i rate it a "hold". Was this user's rating of 'FFFL' helpful to you?
Nov. 3 2004, 5:15 PM ET Nearest price: 26.62 (11/03/04)	by Supermax2 (profile) (all of Supermax2's ratings)	rating: Strong Buy
An incredible franchise in the most desirable area of Florida. For any bank wanting to gain a foothold in Palm Beach County, FFFL is the only game in town. Was this user's rating of 'FFFL' helpful to you?

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