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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 $mtb, agencies, stack, trap the most. They currently have XXXXX followers and XX posts still getting attention that total XXX engagements in the last XX hours.

### Engagements: XXX [#](/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 +59%
- X Months XXXXXX -XX%
- X Year XXXXXXX +29%

### 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)

- X Week XX +7.10%
- X Month XX +55%
- X Months XXX -XX%
- X Year XXX +11%

### 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 +0.24%
- X Month XXXXX +3.70%
- X Months XXXXX +26%
- X Year XXXXX +64%

### CreatorRank: XXXXXXXXX [#](/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)  XXXX% [stocks](/list/stocks)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX%

**Social topic influence**
[$mtb](/topic/$mtb) 4.26%, [agencies](/topic/agencies) 2.13%, [stack](/topic/stack) 2.13%, [trap](/topic/trap) 2.13%, [money](/topic/money) 2.13%, [decent](/topic/decent) 2.13%, [$wash](/topic/$wash) 2.13%, [has been](/topic/has-been) 2.13%, [$600mm](/topic/$600mm) 2.13%, [$cfg](/topic/$cfg) XXXX%

**Top accounts mentioned or mentioned by**
[@aureliusltd28](/creator/undefined) [@thebankzhar](/creator/undefined) [@blondesnmoney](/creator/undefined) [@philtimyan](/creator/undefined) [@ron284ron](/creator/undefined) [@ourbank3](/creator/undefined) [@leveredvalue](/creator/undefined) [@corpuscol](/creator/undefined) [@invertedfragil1](/creator/undefined) [@shaskell12](/creator/undefined) [@stoked_on_waves](/creator/undefined) [@chasesfish](/creator/undefined) [@stokedonwaves](/creator/undefined) [@dadinvest](/creator/undefined) [@darkfirecapital](/creator/undefined) [@nobs](/creator/undefined) [@victaurs](/creator/undefined) [@konekoresearch](/creator/undefined) [@shortbus_ace](/creator/undefined) [@lukewolgram](/creator/undefined)

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

"@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


"@DadInvest @PhilTimyan He was calling Cluseau a value trap investor and in fairness Cluseau probably does hold a value trap security every other day for XXX hours"  
![@JustBankStocks Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::1694856085411143681.png) [@JustBankStocks](/creator/x/JustBankStocks) on [X](/post/tweet/1948521453420257282) 2025-07-24 23:11:30 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 1229 followers, 1157 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 1230 followers, 1180 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, 1157 engagements