Steve Chuck

Bank investment ninja

[Steve Chuck @SteveChuck5]

@Schornack @commbankerguy We run cyclical a business and profitability is peaking. Speaking my own book and from what I have heard from other larger public banks as well, NIM is directionally challenged without more rate cuts. Throw that on top of continued credit “normalization” and you get 10x

[Steve Chuck @SteveChuck5]

@shortbus_ace Too many boards with clueless boards. You are a local doctor or business owner? does not make you a great public board member

[Steve Chuck @SteveChuck5]

@commbankerguy @Schornack All the above. Numerator is off a tad

[Steve Chuck @SteveChuck5]

@shortbus_ace Are forward earnings materially impacted? If not why would the stocks be punished? I think by now the public has become numb to these incidents and notices

[Steve Chuck @SteveChuck5]

@thebankzhar He did get BOID taken out at a nice multiple.

[Steve Chuck @SteveChuck5]

@Catahoula_Value Finally hmst DUS license got sold! Remember when blue lion told them to do it in like 2018?

[Steve Chuck @SteveChuck5]

@commbankerguy Would that same customer have price shopped you anyway?

[Steve Chuck @SteveChuck5]

@thebankzhar @TimyanBankAlert $BANR is smarter than that, but I also thought Clint/ $colb had his head on his shoulders but that was before he became CEO and went on a spree

[Steve Chuck @SteveChuck5]

@thebankzhar @TimyanBankAlert $SFBC has credit union take out written all over it. Been a cruddy bank for a long time. 5% roe and 50bp ROA doesn’t deserve to trade at tbv

[Steve Chuck @SteveChuck5]

@thebankzhar @TimyanBankAlert Either way thought they were a seller and still around.

[Steve Chuck @SteveChuck5]

@thebankzhar @TimyanBankAlert All about picking the right spots and I top ticked it. From a price and earnings perspective. Looks like starting to come back around as of late. I do wonder what the real earn back is now on their large bond loss trade they took in ‘23 or so.

[Steve Chuck @SteveChuck5]

@thebankzhar @TimyanBankAlert Bought a baby position of $cshx when I was active and forgot about it. One of my worst small cap bank purchases. Thought they would have sold by now so threw in the towel. Bought November 2021 and sold December 2025. Net profit, $1.54. follow me for more take out ideas💩

[Steve Chuck @SteveChuck5]

@shortbus_ace Eeeek. I thought last year they did a big Texas cleanup. That acquisition went from Happy Bank to Crappy quickly

[Steve Chuck @SteveChuck5]

@shortbus_ace @CorpusCol Spreads are so tight right now on bank sub debt and in general. I looked at HBT sub debt the other month, great bank but I’m not buying at just over a 2% spread

[Steve Chuck @SteveChuck5]

@CorpusCol @dirtcheapbanks *tellers have to take vacation. Most bank executives I know are too lazy to keep a check kiting scheme going 😁

[Steve Chuck @SteveChuck5]

@Aureliusltd28 Shots fired!

[Steve Chuck @SteveChuck5]

@CorpusCol It’s been a minute, but the couple times I met her she said all the right things.

[Steve Chuck @SteveChuck5]

@Aureliusltd28 Is “esoteric” the word of the month for January?

[Steve Chuck @SteveChuck5]

@Aureliusltd28 Kill- amtb, marry- hifs, f@ck- gbfh

[Steve Chuck @SteveChuck5]

@Aureliusltd28 Now Wells hot, bank investors all on me