Cash flow up, earnings down, stock back down to 11, P/B at 0.4.
Let’s dig in!
Vinnie G
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What is price to TBV?
Looks like about 0.45 based on September 2025 results….
Share count down 6% (fully diluted) in 3Q 25 as well.
Threads like this feel more like long-term conversations than quick stock tips. Following a bank over years gives way more insight than reacting to quarterly noise. I’ve always found regional financials interesting because local economics really show through the numbers. Even if opinions differ, seeing how others think through risk, dividends, and cycles adds a lot of value beyond the ticker itself.
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THe market cap is just $5.6 M; Is it because it has dual class shares, or …
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