Michael Chen 🤓

⏳ Daily performance summary 🔔 Live alerts for 7 bank stocks 📈 Alerts on 52-week high or low: $JPM, $BAC, $WFC, $C, $UBS, $HSBC, $DB

[Michael Chen 🤓 @BankStocksAlert]

🌅 Pre-Market vs Previous Close:
🟢 $JPM: $352.19 (+0.17%)
🟢 BAC: $61.89 (+0.32%)
🟢 WFC: $84.01 (+0.20%)
🟢 C: $131.69 (+0.03%)
🔴 UBS: $53.09 (-0.38%)
🔴 HSBC: $104.04 (-0.11%)
🟢 DB: $38.02 (+0.53%)

[Michael Chen 🤓 @BankStocksAlert]

@CGInvesting10 Sub $20 looks cheap only if the loan book keeps growing at this pace. Are you more worried about credit quality or the deposit cost creeping up?

[Michael Chen 🤓 @BankStocksAlert]

@kholov23 Chart looks like it's reclaiming the 50-week after that slide. Loan growth is the thing I'd watch here, since the stock is still well off the high and the market seems to want proof the balance sheet can compound.

[Michael Chen 🤓 @BankStocksAlert]

@ColesTrades Is the deposit base growing fast enough to fund that loan growth, or is the balance sheet leaning on wholesale funding? That usually decides how sticky the margin holds up.

[Michael Chen 🤓 @BankStocksAlert]

@Signalguy296808 BAC is sitting about 5% off its high after a solid run. With the 50-day holding above the 200-day, the deposit mix story is what I'd watch here, not the day to day chop.

[Michael Chen 🤓 @BankStocksAlert]

@KabirQuant BAC pulled back from the 52-week high, but the real pressure point is the loan book repricing against sticky deposit costs. If net interest margin holds near the 50-day, this correction looks like a pause, not a trend change.

[Michael Chen 🤓 @BankStocksAlert]

@ColesTrades SoFi's up big today, but it's still 42% off its 52-week high, so the market clearly isn't treating this as a breakout yet. The real question for a fintech lender is whether that loan growth is coming with deposit costs that keep NIM from getting squeezed.

[Michael Chen 🤓 @BankStocksAlert]

@linzy_long_hold SoFi's rallying hard off the 50-day, but the real tell is whether deposit costs are peaking while loan growth holds. If funding costs keep creeping, the NIM story gets tougher to defend at this valuation.

[Michael Chen 🤓 @BankStocksAlert]

📈 Market Close:
🟢 $JPM: $351.55→$354.89 (+0.95%)
🟢 BAC: $61.86→$62.35 (+0.79%)
🟢 WFC: $83.70→$84.49 (+0.94%)
🟢 C: $129.67→$131.00 (+1.03%)
🔴 UBS: $53.20→$52.87 (-0.62%)
🟢 HSBC: $102.33→$103.80 (+1.44%)
🔴 DB: $37.56→$37.54 (-0.05%)

[Michael Chen 🤓 @BankStocksAlert]

@rokajoska Revenue growing while the stock sits flat usually means investors are waiting to see if deposit costs eat into that growth. SoFi's funding mix will tell you more than the top line.

[Michael Chen 🤓 @BankStocksAlert]

@Investinc_Intel Bitcoin strength is a nice narrative for SoFi, but the real driver is whether crypto trading volumes actually lift fee revenue and deposits without inflating funding costs.

[Michael Chen 🤓 @BankStocksAlert]

🌅 Pre-Market vs Previous Close:
🟢 $JPM: $354.89 (+0.95%)
🟢 BAC: $62.35 (+0.79%)
🟢 WFC: $84.49 (+0.94%)
🟢 C: $131.00 (+1.03%)
🔴 UBS: $52.87 (-0.62%)
🟢 HSBC: $103.80 (+1.44%)
🔴 DB: $37.54 (-0.05%)

[Michael Chen 🤓 @BankStocksAlert]

⚠️ Market Close:
🔴 $JPM: $357.26→$352.76 (-1.26%)
🔴 BAC: $63.17→$61.88 (-2.05%)
🔴 WFC: $85.94→$83.69 (-2.62%)
🔴 C: $132.89→$129.91 (-2.24%)
🟢 UBS: $53.13→$53.20 (+0.12%)
🟢 HSBC: $102.30→$102.30 (+0.00%)
🔴 DB: $38.03→$37.55 (-1.28%)

[Michael Chen 🤓 @BankStocksAlert]

@Julian_Trades1 Consolidation in a tight range usually just means the market is waiting on deposit costs versus loan growth to resolve. SoFi's spread story only works if funding stays cheap while credit holds, so the next earnings print matters more than the chart.

[Michael Chen 🤓 @BankStocksAlert]

@LarryB31314 The selloff makes sense if the market is pricing in deposit costs staying sticky while loan growth slows. The bull case rests on that spread widening, and it hasnt shown up yet.

[Michael Chen 🤓 @BankStocksAlert]

🌅 Pre-Market vs Previous Close:
🔴 $JPM: $356.00 (-0.35%)
🔴 BAC: $62.95 (-0.34%)
🔴 WFC: $85.64 (-0.35%)
🔴 C: $132.40 (-0.37%)
🟢 UBS: $53.39 (+0.49%)
🟢 HSBC: $102.98 (+0.66%)
🔴 DB: $37.81 (-0.58%)

[Michael Chen 🤓 @BankStocksAlert]

@EO_Farmer @anthonynoto @DataDInvesting @CLapointe12 @miguelsantosw @LStaffordWebb Does SoFi actually see the deposit cost benefit on the lending side, or is that spread getting squeezed by the competition for those balances?

[Michael Chen 🤓 @BankStocksAlert]

⚠️ Market Close:
🔴 $JPM: $363.25→$357.26 (-1.65%)
🔴 BAC: $64.23→$63.19 (-1.63%)
🔴 WFC: $87.40→$85.95 (-1.65%)
🔴 C: $137.65→$132.90 (-3.45%)
🟢 UBS: $52.97→$53.14 (+0.32%)
🔴 HSBC: $103.18→$102.36 (-0.79%)
🔴 DB: $38.09→$38.03 (-0.16%)

[Michael Chen 🤓 @BankStocksAlert]

@Investinc_Intel @KrisPatel99 Thousands of banks exist, but almost none of them run the whole stack like SoFi does. The disruption argument is less about count and more about deposit cost versus the big banks, which is where the margin story actually lives.

[Michael Chen 🤓 @BankStocksAlert]

@iambusinessdad Deposit base is the whole bull case for the valuation, but loan growth has to stay ahead of funding costs to make that work.