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# ![@JustBankStocks Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1694856085411143681.png) @JustBankStocks Bill McGill

Bill McGill posts on X about $ffbw, $mtb, finance, liquid the most. They currently have XXXXX followers and XXX posts still getting attention that total XX engagements in the last XX hours.

### Engagements: XX [#](/creator/twitter::1694856085411143681/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1694856085411143681/c:line/m:interactions.svg)

- X Week XXXXX -XX%
- X Month XXXXX +135%
- X Months XXXXXX -XX%
- X Year XXXXXXX +25%

### Mentions: X [#](/creator/twitter::1694856085411143681/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1694856085411143681/c:line/m:posts_active.svg)


### Followers: XXXXX [#](/creator/twitter::1694856085411143681/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1694856085411143681/c:line/m:followers.svg)

- X Week XXXXX +0.99%
- X Month XXXXX +3.70%
- X Months XXXXX +26%
- X Year XXXXX +64%

### CreatorRank: undefined [#](/creator/twitter::1694856085411143681/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1694856085411143681/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1694856085411143681/influence)
---

**Social category influence**
[finance](/list/finance)  [stocks](/list/stocks)  [cryptocurrencies](/list/cryptocurrencies) 

**Social topic influence**
[$ffbw](/topic/$ffbw), [$mtb](/topic/$mtb), [finance](/topic/finance), [liquid](/topic/liquid), [discount](/topic/discount), [$agm](/topic/$agm), [tariffs](/topic/tariffs), [$cbl](/topic/$cbl), [acquisition](/topic/acquisition), [lending](/topic/lending)

**Top assets mentioned**
[M&T Bank Corporation (MTB)](/topic/$mtb) [Credbull (CBL)](/topic/$cbl) [Centrifuge (CFG)](/topic/$cfg)
### Top Social Posts [#](/creator/twitter::1694856085411143681/posts)
---
Top posts by engagements in the last XX hours

"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 1225 followers, 1139 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


"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 Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1943468243387134023) 2025-07-11 00:31:51 UTC 1227 followers, XXX engagements


"@PhilTimyan $BCOW and $FFBW. Let's make Wisconsin banking the center of deal making again. Or for the first time. Whatever"  
![@JustBankStocks Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1866984447020769716) 2024-12-11 23:12:33 UTC 1226 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 1229 followers, 1137 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 Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1925217767139012637) 2025-05-21 15:50:59 UTC 1225 followers, XXX engagements


"@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 1229 followers, XX 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 1225 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 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 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 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 1226 followers, 1150 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 Avatar @JustBankStocks Bill McGill

Bill McGill posts on X about $ffbw, $mtb, finance, liquid the most. They currently have XXXXX followers and XXX posts still getting attention that total XX engagements in the last XX hours.

Engagements: XX #

Engagements Line Chart

  • X Week XXXXX -XX%
  • X Month XXXXX +135%
  • X Months XXXXXX -XX%
  • X Year XXXXXXX +25%

Mentions: X #

Mentions Line Chart

Followers: XXXXX #

Followers Line Chart

  • X Week XXXXX +0.99%
  • X Month XXXXX +3.70%
  • X Months XXXXX +26%
  • X Year XXXXX +64%

CreatorRank: undefined #

CreatorRank Line Chart

Social Influence #


Social category influence finance stocks cryptocurrencies

Social topic influence $ffbw, $mtb, finance, liquid, discount, $agm, tariffs, $cbl, acquisition, lending

Top assets mentioned M&T Bank Corporation (MTB) Credbull (CBL) Centrifuge (CFG)

Top Social Posts #


Top posts by engagements in the last XX hours

"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 1225 followers, 1139 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

"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 Avatar @JustBankStocks on X 2025-07-11 00:31:51 UTC 1227 followers, XXX engagements

"@PhilTimyan $BCOW and $FFBW. Let's make Wisconsin banking the center of deal making again. Or for the first time. Whatever"
@JustBankStocks Avatar @JustBankStocks on X 2024-12-11 23:12:33 UTC 1226 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 1229 followers, 1137 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 Avatar @JustBankStocks on X 2025-05-21 15:50:59 UTC 1225 followers, XXX engagements

"@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 1229 followers, XX 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 1225 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 Avatar @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 Avatar @JustBankStocks on X 2025-07-16 10:35:28 UTC 1226 followers, 1150 engagements

creator/x::JustBankStocks
/creator/x::JustBankStocks