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[SSKILLZ1]

CUBI

I brought some CUBI in the low 23's, here is what I like.

1) The stock got killed on a quarter, that was very good, but had a Loan Loss, do to a customer being fraudlent, that to me is a one time thing, that is something that bothers me much less then loans going bad.

2) CUBI has a great trade record, they earned 1.30 in 2013, a $1.55 in 2014, predicting about $1.88 (would of been over $2.00, if not for the issue) And a guiding for $2.40-2.50 in FY 16, and said they expect 15% growth for years to come. This is a bank that deserves to trade closer to a 15 Multiple. If we do that we are looking at $36-37 in my opinion in the next year.

CUBI is a great growth story, and actually does have some volume, so unlike other small banks. I think the stock should trade significantly higher over the next year in my opinion. All is just my opinion, and I could always be wrong though.