Todd Barge รีทวีตแล้ว
Todd Barge
3.2K posts

Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว

@the_boss_gym Congratulations. You’re my new nemesis 😡 I shouldn’t want a beach and a drink after 6 minutes of exercise!
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Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว
Todd Barge รีทวีตแล้ว

I have built a spreadsheet. It has 847 rows. Each row is a community bank in the United States with a market cap below $200 million, a price-to-tangible-book ratio under 0.85, a non-performing loan ratio below 0.4%, and a CEO who has been in the role for at least twelve years. I update it every Sunday from 6 AM to 11 AM while my family attends church without me. I have visited the headquarters of nineteen of these banks in person. I have eaten a complimentary lobby cookie at each one. The cookies are how you can tell. A bank with a good cookie is a bank that respects its depositors. A bank with a stale cookie is a bank that will be acquired within 36 months at a 40% premium. I am never wrong about the cookies. The cookies have never lied to me. The cookies are the only thing left that tells the truth.
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