Insights
Mid Month: Puerto Rican banks, why is FFBB 6x? Classified assets, Share Repurchases and fintech spend
September 5 Points: First Citizens of NC, slow loan growth, and trading bank doom
Please see attached link for full report: https://open.substack.com/pub/fivepoint/p/september-special-situations-first?utm_campaign=post&utm_medium=web
August 5 Points: Consumer Credit, Avoiding EPS misses, and Banks with Bail
For our financial-sector investing friends, please enjoy the latest edition of 5 Points at the link below: (4) August: Avoiding misses, Banks in jail vs those with bail, consumer credit checkup, ECIP value traps (substack.com)
5 Points Mid Month: Private Equity in Banks, Bank Conversions Primer, a Survivor at 40% of Book
Please see the latest version, along with commentary on bank yellow flags, at the link below... https://fivepoint.substack.com/p/mid-month-private-equity-in-banks?sd=pf
5 Points July: A bit of CRE horror, and the lever to help banks in 2024
Please see link below for post: https://fivepoint.substack.com/p/july-the-alpha-in-figuring-out-2024?sd=pf
Brief Note: Overlooked Solutions Helping Stressed Banks
A bit wonky, but please see full post here: https://fivepoint.substack.com/p/brief-note-the-overlooked-tools-distressed?utm_source=profile&utm_medium=reader2
Looking at Regional Bank Margins: Myths and Realities
Please see our latest substack posting at: https://fivepoint.substack.com/p/brief-note-regional-bank-net-interest
Banks a No Go Zone? Consider the Math on This Little Company…
Financials can be tricky, but investing in them doesn't have to be. In the news lately you have read about the failures of two large US banks and one massive European one. There is concern about commercial real estate, and our policymakers trying but falling short...
A 3-Minute Bank Investing Case Study: Why Territorial Bank of Hawaii Looks Attractive but has Fallen Short
We've all had that sensation of finding a stock or other investment that seems too good to be true. Today's post looks at one particularly cheap bank - Territorial Savings (TBNK), that seems like an easy purchase decision, and shares why it may end up more akin to a...
5 Points May: Colarion’s take on bond market shrapnel hitting banks & preserving capital
In this note: Preserving Capital: Discussing how market structure is more important to financial sector investors during sell-offs. How bonds are affecting banks - the securitization market frees up high margin loan growth. How bonds are affecting banks - higher...