15 Comments

This is quickly becoming my favourite Substack. Looking forward to diving into those letters. Thanks!

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Kind words Matt! Thank you

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How do you actually buy the stock? On IB it comes up as No Opening Trades: DTC Chilled or Ineligible.

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I'm not sure what is the case for you tbh. Maybe Schwab has it? I bought it through my bank broker

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I'm based in the UK and mainly use IB for cost reasons - not sure how many brokers here are going to trade this, oh well. Really like the substack btw - a nice break from only looking at large caps at work. Hingham is another really well run bank - although they've had a strong run this year - worth keeping an eye on.

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Thanks Andrew.

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Great write-up David, enjoyed reading it.

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Thank you!

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Harp has a deadly last name.

"We are pleased to report that Trinity Bank was rated #1 in Texas and #3 in the U.S. out of all 6,500 banks (based on earnings, asset quality, capitalization, growth, and liquidity). "

How can this fly under the radar of any banking analysts.

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I was surprised too.

It's either that or it's far too illiquid for them to even consider it.

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Can you filter all US banks with just one physical location / branch and compare?

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OZK is another strong bank and PB ratio is below 1.2, so I am not sure if 1.6 is fair for valuation.

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Banks are a bit difficult, at least for me, you never know what is going on underneath....

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I'm not into banking, but I enjoyed reading your write up. Trinity is a very peculiar case indeed. Thank you.

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I'm not either haha. Thank you Yuri! I'm glad you enjoyed it.

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