Drit Chaep Bnaks
62 posts
She said “you never take me anywhere nice.” Baby, we’ve been to the lobbies of 14 bank branches across the Midwest. I let you hold the deposit slips. Some couples never do anything together.
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My bank’s proxy lists the board’s qualifications. One director’s entire bio is “local farmer.” He’s been voting against the buyback since 1994. He is my only obstacle to a 40% upside.
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I share my exact entries & exits on WhatsApp.
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➡️Copy search input Reply “Trade” to WhatsApp: + 12346501164
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Wow! In a shocking new podcast, Andrew Tate says he’s only being arrested for his large portfolio of community banks trading below liquidation value
This is crazy if true
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Found a community bank trading at 60% of tangible book. Asked the CEO about strategic alternatives. He said “my grandfather founded this bank.” Sir, that is not a capital allocation policy.
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Here’s what people don’t understand about investing in community banks
Yes, they’re thinly traded
And yes, they’re usually tiny business a with low potential for growth
And while I’ll concede that they are often bad investments that require way too much effort to understand, there are several advantages including:
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M&A rumor hits a community bank I own.
The stock: up 40%.
The town Facebook group: in mourning.
Comment with 200 likes: “If they take away Diane I’m moving my money to the coffee can.”
Understand this: Diane IS the deposit franchise. The acquirer is paying 1.6x book for Diane.
I’m holding. Diane’s not going anywhere.
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Regulator: “Your loan concentration in agriculture is 61%. What’s the risk mitigation plan?”
Bank president, 3rd generation: “I’ve had dinner with every borrower’s family.”
“That’s not in the framework.”
It’s been the framework since 1948. The framework has never had a loss the model can’t explain and the model has never had a dinner.
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Minutes, annual shareholder meeting, First National Bank of [pop. 3,400]:
Location: The Methodist church basement
Attendance: 11 shareholders, one casserole
Q&A: One question, about the parking lot
Meeting adjourned: 22 minutes
Not in the minutes:
The bank has earned money for 97 consecutive years.
Three shareholders in that basement paid for their farms with the dividends.
The stock doesn’t trade on an exchange.
You buy it the way I did — by writing the CFO a letter.
Some moats have drive-thrus.
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Just arrived at the community bank investor conference (we are all on the shore watching yachts owned by execs at big banks)
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Craving late-night street vibes This crispy fried skewer coated in spicy cumin sauce hits different—perfect street food snack after a long day ，
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Drit Chaep Bnaks retweetledi
Crunchy fried squid balls sizzling on the roadside stall, perfect late-night street snack for a chill night! ，
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Drit Chaep Bnaks retweetledi
Transform your work desk into a clutter-free productivity zone with a sleek organizer and a small potted plant—less mess, more focus!
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