Dark | Light
[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 Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1947435625214284022) 2025-07-21 23:16:49 UTC 1228 followers, XX 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 Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@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 Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1945496992370839940) 2025-07-16 14:53:23 UTC 1228 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 Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1945800614908399618) 2025-07-17 10:59:52 UTC 1228 followers, 1147 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 Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1823370028428804558) 2024-08-13 14:44:26 UTC 1228 followers, 1467 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 Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1945432084828549504) 2025-07-16 10:35:28 UTC 1228 followers, 1169 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 Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1944770073794670684) 2025-07-14 14:44:52 UTC 1230 followers, 1142 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 Avatar @JustBankStocks on X 2025-07-21 23:16:49 UTC 1228 followers, XX 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 Avatar @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 Avatar @JustBankStocks on X 2025-07-16 14:53:23 UTC 1228 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 Avatar @JustBankStocks on X 2025-07-17 10:59:52 UTC 1228 followers, 1147 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 Avatar @JustBankStocks on X 2024-08-13 14:44:26 UTC 1228 followers, 1467 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 Avatar @JustBankStocks on X 2025-07-16 10:35:28 UTC 1228 followers, 1169 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 Avatar @JustBankStocks on X 2025-07-14 14:44:52 UTC 1230 followers, 1142 engagements

creator/twitter::1694856085411143681/posts
/creator/twitter::1694856085411143681/posts