INBK - I think what really caught my eye from your initial post was the extreme discount to tangible book value. Tangible book is currently at $39.85 per share. Analysts are calling for $2.43 in eps next year fwiw. I'm going to heed your warning regarding the earnings, and put a trailing stop under what I have left. Great call from the 12s!
I have seen lots of $1 stocks with strong earnings and solid balance sheets triple, quadruple and more, but I have yet to see one go below zero.