Emil gower

small bank stocks nerd

[Emil gower @EmilGower78472]

@JeffMarsico Right- 100% agree little demand for fed now domestic. If no international demand then why do stablecoin at all? A gateway drug to crypto?

[Emil gower @EmilGower78472]

@dirtcheapbanks This content is 🔥. Embellished… but only a tiny bit which makes it more hilarious

[Emil gower @EmilGower78472]

@CorpusCol @dirtcheapbanks The 12 minute answer by CEO is real though.

[Emil gower @EmilGower78472]

@thebankzhar And flag is not a big player relative

[Emil gower @EmilGower78472]

@thebankzhar Other than flag the banks in Michigan are all solid and no one dominates. I am struggling to see what he is talking about

[Emil gower @EmilGower78472]

@CorpusCol Bank fintwit used to be much more fun

[Emil gower @EmilGower78472]

@dirtcheapbanks You stay for the lunch tho right?

[Emil gower @EmilGower78472]

@dirtcheapbanks This is my new fav account! The depth of call reports on these small banks is very powerful

[Emil gower @EmilGower78472]

@dirtcheapbanks Only for the strong

[Emil gower @EmilGower78472]

@chasesfish Below 200 spreads? Seems tight

[Emil gower @EmilGower78472]

@dirtcheapbanks What do you think a good return is for a longer (5 year) hold? I agree small banks are easier to find value and can carry a better valuation floor.

[Emil gower @EmilGower78472]

@dirtcheapbanks The world needs more accounts like this!

[Emil gower @EmilGower78472]

@colarion Isn’t the proposal for non interest? IntraFi is an interest bearing play and I don’t see small banks working with corporates with $10mm in operating accounts. Seems this proposal only helps regional banks that bank large enough businesses

[Emil gower @EmilGower78472]

@dampedspring Are you sure they aren’t using it intra-quarter and then moving to other venues at quarter end for presentation?

[Emil gower @EmilGower78472]

@commbankerguy Callable

[Emil gower @EmilGower78472]

@commbankerguy Bank cd duration is always well under a year- not sure how they get shorter or if it really matters since we are only talking a few months. Bigger question should be should banks be taking a liability sensitive position intentionally… which means more duration maybe less spread

[Emil gower @EmilGower78472]

@JustBankStocks What about their recent NASDAQ uplist and russel impact?

[Emil gower @EmilGower78472]

@Dealwontpencil Any credit unions doing commercial?