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Strategies & Market Trends : Value Investing -- Ignore unavailable to you. Want to Upgrade?

To: Paul Senior who wrote (16878)	4/18/2003 10:20:37 PM
From: Spekulatius	Read Replies (2) \| Respond to of 78523

Regional banks - I bought a position in BNK recently. After researching regional banks i decided to look for growth,focus, LT track record and dividend yield (in that order). After screening, there seem to be two different sort of regional bank value stocks: a) the expansive type (NFB, BNK) which tend to have higher growth but also higher P/B and lower dividend yield. The better ones of those banks are efficiently managed and have higher earnings growth rates b) Stalwarts - small regional banks with low P/B ratio and growth but high dividend yields (FMER and UPC). I liked about BNK the regional focus & market share in rural New England and the ability of management to manage the expansion efficiently. NFB is a very efficiently managed bank in Long Island - i liked both of them and it basically boiled down to a coin toss.