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Strategies & Market Trends : Dividend investing for retirement -- Ignore unavailable to you. Want to Upgrade?

To: Ditchdigger who wrote (10622)	12/23/2011 11:49:09 AM
From: Triffin	Read Replies (2) \| Respond to of 34328

Hi Ditch .. RE: PBCT No argument that banks/financials are currently out of favor .. PBCT has a good record of increasing dividends over time, but if the Yahoo numbers are accurate; the current payout ratio is >116% .. which would eliminate it from consideration for me .. Triff ..

To: Ditchdigger who wrote (10622)	12/23/2011 1:00:26 PM
From: Paul Senior	Read Replies (1) \| Respond to of 34328

PBCT. Spent five minutes looking now, and decided it's too tough for me to easily figure. One determinant of value is return on assets. PBCT's is poor past few years. I like these banks that have wealth management services. I believe, although I have no factual support, that this provides them opportunities to cross-sell, and and that wealth management is more profitable than lending. So that's a positive for me about PBCT. Overall, same decision for me: pass for now. Not worth it to me to buy and hold for 5% yield, with not much prospect for stock appreciation that I can see. Jmo. And I've been wrong many, many times. ==================== Re: it's "good record of increasing dividends". Yes, the dividends have been increasing. However, by just tenth's of a penny. finance.yahoo.com At least the dividends haven't been cut. That's better than lots of banks can say.

To: Ditchdigger who wrote (10622)	12/23/2011 3:59:43 PM
From: chowder	Read Replies (1) \| Respond to of 34328

Ditch, I already have all the banks I want. I own BMO, SBSI as opposed to PBCT, and I have a speculation position in C. My only other financial is in the insurance sector. I own CINF. When I was comparing PBCT to SBSI, the latter had better operating margins, a better return on equity, and a lower payout ratio. So, I went with SBSI instead. SBSI also has a history of giving out special dividends in addition to their four quarterly dividends. Sometimes the special dividend is in shares, sometimes in cash. Either way is okay with me for now since I'm reinvesting the dividends anyway. In the 70's down here in SC. Been cooking out on the grill every day. How's your weather? Ha!