Value Microcaps Motherboard

[10 bagger]

Bank stock prices... In all but the smallest of banks I agree with you... Small banks are insulated because in most cases they are the only game in town and historically they have over half of thier deposits at rates equal to 40% of city banks... Also thier interest rates are usually 1% to 1 3/4% higher than city banks... Most that I follow have spreads of over 4.5% and return on SHE of 20% +.... The large banks cut thier own noses for a loan and will take a loan with much more risk just to get compensating balances...Banks are not technology baised and it is hard to stop the big and destroy the little..ALSO payrolls at little banks create efficency ratios of less than 50%...hank..

As for Bolwins projection of banks going down 50%,, If a bank grows revs and earns at 50% plus and returns over 20% on SHE I doubt any decline here...If they don't they are not on my radar screen...hank