employee

banker, risk taker. solid in bed, even better in powerpoint.. not fin advice

[employee @SchoolboyAdam]

@shortbus_ace @Ron284Ron Seems like even shorter

[employee @SchoolboyAdam]

@shortbus_ace @Ron284Ron Makes sense, going to dive a bit deeper ahead of the call tomorrow morning

[employee @SchoolboyAdam]

@Ron284Ron Thoughts @shortbus_ace ?

[employee @SchoolboyAdam]

@Ron284Ron What is going on with their uptick in borrowings / higher cost deposits… seems like they’re getting pressured on funding? Result clearly flowing to the margin.. albeit only 2bps.. seems like the borrowings were added late in the quarter

[employee @SchoolboyAdam]

@primecadend Most boring job of all time, too useless to be helpful, surrounded by people to busy to teach you anything. Better get a PHD in the WSJ

[employee @SchoolboyAdam]

@PadraicMcC The most important part of the modeling test / case study for me has always been the bring down discussion afterwards. If they can leverage AI to build a really clean model quickly and spend more time working on and thinking through the assumptions and what the model is saying….

[employee @SchoolboyAdam]

When others are fearful, I buy and hold bank stocks.

When others are greedy, I buy and hold bank stocks.

Send the $VIX to $80, $HBAN is compounding capital. See ya nerds.

[employee @SchoolboyAdam]

@stephenldean @Jack_Raines What are you even saying haha

[employee @SchoolboyAdam]

@commbankerguy Not sure thats the case in all markets. Hearing banks are turning down subdebt deals in the mid 6s as loans are paying more

[employee @SchoolboyAdam]

@thebankzhar He’s converting the business strat of his bank to a highly concentrated family office! He’s got balls! I like balls! $WTFC ? Have a small consumer book with mortgage originations in Michigan.. and cracks beginning to show in the C&I arena…

[employee @SchoolboyAdam]

@jnconkle @shortbus_ace What was the thesis?

[employee @SchoolboyAdam]

@shortbus_ace Id say buy HBAN or FCNC.A but it may be too big of a bite

[employee @SchoolboyAdam]

@StevenKelly49 Oh banks!

[employee @SchoolboyAdam]

@shortsqueeznews Evercore analysts have been on this wave for a while, read some of John Pancari’s stuff

[employee @SchoolboyAdam]

@dirtcheapbanks @chasesfish How are you gonna do that? Good luck even finding the shares for some of these

[employee @SchoolboyAdam]

@shortbus_ace @Aureliusltd28 This is basically what Glacier does

[employee @SchoolboyAdam]

@shortbus_ace @TimyanBankAlert What makes you say “scale” is a scam?

I think the data largely indicates larger banks are almost always more efficient, with the exception of horrifically managed expense bases

[employee @SchoolboyAdam]

@OtterMarket Deposits are the natural resource of this industry sir!

[employee @SchoolboyAdam]

@the_P_God All my homies are quitting ib to focus on spring

[employee @SchoolboyAdam]

@Schornack @commbankerguy It seems like once you cross the $3-$4B mark you gain enough lending scale where if you’re not searching for these types of efficiencies your expense base gets out of control

[employee @SchoolboyAdam]

@Schornack @commbankerguy Interesting, seems like someone with expertise at the cross section of either credit & AI implementation or finance & AI implementation could be very helpful for most organizations. At what asset size do you think orgs need to begin making this investment?