[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] [@JustBankStocks](/creator/twitter/JustBankStocks) "@stoked_on_waves I don't understand how the prefs were where they were a few last fall. That's an extremely risky capital stack. Ratings agencies seem even further behind the curve on this one than normal"  [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1947435625214284022) 2025-07-21 23:16:49 UTC 1229 followers, XX engagements "@PhilTimyan $BCOW and $FFBW. Let's make Wisconsin banking the center of deal making again. Or for the first time. Whatever"  [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1866984447020769716) 2024-12-11 23:12:33 UTC 1226 followers, XXX engagements "@blondesnmoney What's the logic of $CBL in tariff slime bucket Does apparel and plastic crap even take up much space in malls anymore I thought it was all movie theaters sad empty bounce parks waiting for the weekend for a children's birthday party an Aunt Annie's and a Cinnabon"  [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1942315426051948685) 2025-07-07 20:10:58 UTC 1229 followers, XXX engagements "Give me your best reason why this shouldn't be $WASH. Underperforming treading water but still strong deposit presence in the one part of New England $MTB still has no presence. Fee business integrates well with Wilmington. CRE-heavy but still a decent C&I business. Ned Three Sticks is XX and not the kind of guy that wants to work until he's XX. He has hobbies. And money I assume (Goodyear). $WASH did a balance sheet restructuring trade so marks aren't a deal breaker and WASH would be a small acquisition for $MTB"  [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1945496992370839940) 2025-07-16 14:53:23 UTC 1225 followers, XXX engagements "Sweet Jesus Mother Mary of Bethleham $CFG beats $XXXX 2Q up from $XXXX 1Q. NIM up X bps to 2.94%. XX% ROTCE. $CFG has been signaling for a couple quarters now about private bank growth and it is showing up. Fee income $600MM up 10%. Usually growing wealth management comes at a significant cost to attract assets but CFG is doing while guiding to 20-24% ROE which is nothing remarkable for non-bank wealth managers but which would make $CFG one of the better performing bank ones. LDR below XX% now with continued run-off of non-core consumer loans/indirect auto put on during ZIRP as an alternative"  [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1945800614908399618) 2025-07-17 10:59:52 UTC 1229 followers, 1137 engagements "I think they are raising capital at a bank-favorable price and I think I dont entirely agree with the focus on a X versus X year earn back as if the out year expense reductions dont matter. They do. And banks should front load the restructuring costs when acquiring a bank like farmers with no valuable lending relationships where its just a pure deposit acquisition"  [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1943468243387134023) 2025-07-11 00:31:51 UTC 1227 followers, XXX engagements "$FFBW announced 2Q earnings last week of $XXXX per share. Repurchased another 30k shares (down to 4.9MM. counting ESOP) TBV of $XXXXX up from $XXXXX. Loans shrunk by XXX% Non-interest expenses shrunk a little. Deposits shrunk X% but NII up immaterially. Provisions in the Q a goose egg (ACL at 1.27%). Nothing much of interest"  [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1823370028428804558) 2024-08-13 14:44:26 UTC 1225 followers, 1465 engagements "Feeling liberated from high prices $MTB repurchased 6MM shares in 2Q at $XXX average versus 3.4MM shares at $XXX average in 1Q. ROA at XXXX and ROTCE at XXXXX versus XXXX and XXXX in 1Q. NIM at XXXX% down 4bps charge offs down X bps and ACL down 2bps even as NPAs increase from $1.57B to 1.6B but total criticized C&I and CRE down almost $4B since 2Q24. CRE loans still headed lower down over $6B since 2Q24 as total loans remain flat-ish"  [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1945432084828549504) 2025-07-16 10:35:28 UTC 1226 followers, 1150 engagements "Among mutual deconversions I'm long $SRBK $FFBW and $FSEA (all completed second steps). There's an interesting development on $FSEA which just started its buyback last year and hits the X year anniversary in Jan '26. On April XX William Greiner a real estate investor and the chairman of private Primary Bank HQed in Bedford NH filed a 13D indicating that he bought XXX% of FSEA in a personal investment vehicle with a couple of what looks like personal acquaintances. Not sure what to make of that. Not at all familiar with Primary Bank but from call reports looks like a more dynamic CRE lender"  [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1925217767139012637) 2025-05-21 15:50:59 UTC 1225 followers, XXX engagements "Back in $AGM. Not a screaming buy but anytime it trades cheap to quality banks I put it back on. It should trade at an earnings premium not discount to the large liquid banks that all have more credit and rate risk. Recent sell-off might be related to CFO's resignation to take CEO position at FHLB Office of Finance. Because why I don't get it. Sounds dumb enough that I actually doubt the causality"  [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1944770073794670684) 2025-07-14 14:44:52 UTC 1225 followers, 1139 engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@JustBankStocks
"@stoked_on_waves I don't understand how the prefs were where they were a few last fall. That's an extremely risky capital stack. Ratings agencies seem even further behind the curve on this one than normal"
@JustBankStocks on X 2025-07-21 23:16:49 UTC 1229 followers, XX engagements
"@PhilTimyan $BCOW and $FFBW. Let's make Wisconsin banking the center of deal making again. Or for the first time. Whatever" @JustBankStocks on X 2024-12-11 23:12:33 UTC 1226 followers, XXX engagements
"@blondesnmoney What's the logic of $CBL in tariff slime bucket Does apparel and plastic crap even take up much space in malls anymore I thought it was all movie theaters sad empty bounce parks waiting for the weekend for a children's birthday party an Aunt Annie's and a Cinnabon" @JustBankStocks on X 2025-07-07 20:10:58 UTC 1229 followers, XXX engagements
"Give me your best reason why this shouldn't be $WASH. Underperforming treading water but still strong deposit presence in the one part of New England $MTB still has no presence. Fee business integrates well with Wilmington. CRE-heavy but still a decent C&I business. Ned Three Sticks is XX and not the kind of guy that wants to work until he's XX. He has hobbies. And money I assume (Goodyear). $WASH did a balance sheet restructuring trade so marks aren't a deal breaker and WASH would be a small acquisition for $MTB" @JustBankStocks on X 2025-07-16 14:53:23 UTC 1225 followers, XXX engagements
"Sweet Jesus Mother Mary of Bethleham $CFG beats $XXXX 2Q up from $XXXX 1Q. NIM up X bps to 2.94%. XX% ROTCE. $CFG has been signaling for a couple quarters now about private bank growth and it is showing up. Fee income $600MM up 10%. Usually growing wealth management comes at a significant cost to attract assets but CFG is doing while guiding to 20-24% ROE which is nothing remarkable for non-bank wealth managers but which would make $CFG one of the better performing bank ones. LDR below XX% now with continued run-off of non-core consumer loans/indirect auto put on during ZIRP as an alternative" @JustBankStocks on X 2025-07-17 10:59:52 UTC 1229 followers, 1137 engagements
"I think they are raising capital at a bank-favorable price and I think I dont entirely agree with the focus on a X versus X year earn back as if the out year expense reductions dont matter. They do. And banks should front load the restructuring costs when acquiring a bank like farmers with no valuable lending relationships where its just a pure deposit acquisition" @JustBankStocks on X 2025-07-11 00:31:51 UTC 1227 followers, XXX engagements
"$FFBW announced 2Q earnings last week of $XXXX per share. Repurchased another 30k shares (down to 4.9MM. counting ESOP) TBV of $XXXXX up from $XXXXX. Loans shrunk by XXX% Non-interest expenses shrunk a little. Deposits shrunk X% but NII up immaterially. Provisions in the Q a goose egg (ACL at 1.27%). Nothing much of interest" @JustBankStocks on X 2024-08-13 14:44:26 UTC 1225 followers, 1465 engagements
"Feeling liberated from high prices $MTB repurchased 6MM shares in 2Q at $XXX average versus 3.4MM shares at $XXX average in 1Q. ROA at XXXX and ROTCE at XXXXX versus XXXX and XXXX in 1Q. NIM at XXXX% down 4bps charge offs down X bps and ACL down 2bps even as NPAs increase from $1.57B to 1.6B but total criticized C&I and CRE down almost $4B since 2Q24. CRE loans still headed lower down over $6B since 2Q24 as total loans remain flat-ish" @JustBankStocks on X 2025-07-16 10:35:28 UTC 1226 followers, 1150 engagements
"Among mutual deconversions I'm long $SRBK $FFBW and $FSEA (all completed second steps). There's an interesting development on $FSEA which just started its buyback last year and hits the X year anniversary in Jan '26. On April XX William Greiner a real estate investor and the chairman of private Primary Bank HQed in Bedford NH filed a 13D indicating that he bought XXX% of FSEA in a personal investment vehicle with a couple of what looks like personal acquaintances. Not sure what to make of that. Not at all familiar with Primary Bank but from call reports looks like a more dynamic CRE lender" @JustBankStocks on X 2025-05-21 15:50:59 UTC 1225 followers, XXX engagements
"Back in $AGM. Not a screaming buy but anytime it trades cheap to quality banks I put it back on. It should trade at an earnings premium not discount to the large liquid banks that all have more credit and rate risk. Recent sell-off might be related to CFO's resignation to take CEO position at FHLB Office of Finance. Because why I don't get it. Sounds dumb enough that I actually doubt the causality" @JustBankStocks on X 2025-07-14 14:44:52 UTC 1225 followers, 1139 engagements