🍀 3 Banks With More Than Luck on Their Side

They have GREAT dividends [View in browser]( BROUGHT TO YOU BY: Editor’s Note It’s Friday. Time to give you a stock pick (or three, this time!) from our sister newsletter, The Spill, so you can think about it over the weekend and maybe make a move Monday morning. While The Juice helps you be better with money across the board, The Spill focuses on stocks financial pros are researching and judges how good of buys they are. If you’re already sold, you can[sign up for The Spill – for free – here](. mailto:?body=Article URL: https%3A%2F%2Finvestingchannel.com%2F%3Fp%3D576067?utm_medium=ic-nl&utm_source=104421 Proprietary Data Insights Financial Pros’ Top Regional Bank Stock Searches Last Month Rank Name Searches #1 First Horizon 61 #2 Truist Financial 53 #3 Zions Bancorp 48 #4 Huntington Bancshares 33 #5 M&T Bank 22 #ad [Power Your Portfolio With Alternative Investments]( Brought to you by [Bryan Perry Investing]( [Controversial Trader Showed His Readers 7 Figures in 2022 & Goes Bigger in 2023]( In 2022 – which for most was a horrible year in the markets – I asked a small group of traders to take part in an “experiment.” Their job: Stake their trading account with $5,000. My job: Use my trading system to generate a cool million... and do it before the year was up. Here's how it went...Just 8 months into the year, we had the opportunity to rack up a whopping $1.1 million in trading gains. We did it using my controversial “8-Month Millionaire” strategy. This strategy ignores the markets. So now I’m going to put it through one final beta test. But you must act quickly! [Click here to keep reading](. 3 Banks With More Than Luck on Their Side Banks are all anyone talks about these days. Rather than fight the trend, we’re giving you a trio of quality regional bank picks. We used our proprietary Trackstar data to find financial pros’ top regional bank stock searches last month. From that list, we came up with three with a lot of value that appear much safer than the rest: Truist Financial (TFC), M&T Bank (MTB), and Huntington Bancshares (HBAN). Why We Chose Them [SVB Financial]( failed for three main reasons: - A nondiversified depositor base - Heavy exposure to securities that were underwater - Poor interest-rate hedging To combat the first point, we looked for banks with a larger percentage of deposits below the $250,000 FDIC-insured amount. SVB had 2.7% because most of its depositors were tech startups. M&T, Truist, and Huntington all do way better with 46.4%, 42.8%, and 41.1%, respectively. To address the second problem, we looked at the percentage of assets each bank has in securities. SVB had 55.4% of its assets in securities. M&T, Truist, and Huntington again are more conservative, with 12.2%, 23.5%, and 22.2%, respectively. They put much of their depositors’ money to work through loans. M&T favors commercial finance and commercial real estate loans, with around $42 billion in each, while it has roughly half the amount in consumer real estate and consumer loans, at $21 billion each. Truist holds $165 billion in loans for commercial clients, of which only a small portion is tied to real estate. Its consumer loans total $117 billion. Huntington is evenly split, with $42 billion in commercial loans, only $7 billion of which is tied to real estate, and another $38 billion in consumer loans, of which $12 billion is mortgage-related. And without getting into the nitty-gritty, all three banks do a fine job hedging to mitigate the effects of price movement. Truist has a market cap of $43 billion, M&T’s is $21.4 billion, and Huntington’s is $16.1 billion. Growth [Growth] Source: Seeking Alpha Huntington and M&T grew year over year. And forecasts say both will do well next year. Truist didn’t grow YoY. But over the last five years, it had better average growth. Valuation [Sales] Source: Seeking Alpha All three banks are cheap on a price-to-earnings basis. But Truist and M&T trade below book value (a company’s assets minus liabilities), which could be a better deal for investors. Of the three, Truist has the best price-to-cash-flow ratio. Profitability [Margins] Source: Seeking Alpha Huntington had the best net income margin and return on equity. And even though it’s smaller, its cash flows were similar to M&T’s. [The #1 Stock Under $5]( Virginia Stock-Picking Millionaire Says It’s Not About Diversification! One single stock under $5 - that trades under a secret name- could help you build your retirement. [His details are here.]([Ad] Our Opinion 10/10 We expect TFC, HBAN, and MTB to survive and thrive. Each offers slightly different ways to play the sell-off in banks. Plus, they all have forward dividend yields over 4%, and in Truist’s case, 6%. Just let the dust settle for a few weeks before hopping into these names. To get content like this daily, sign up for The Spill for free[here](. mailto:?body=Article URL: https%3A%2F%2Finvestingchannel.com%2F%3Fp%3D576067?utm_medium=ic-nl&utm_source=104421 Freshly Squeezed - From The Spill: [Best Bank for Your Buck]( - [FREE Quarterly Report]( - [The Yolk’s on You]( - [Why We’re Avoiding Spotify]( mailto:?body=Article URL: https%3A%2F%2Finvestingchannel.com%2F%3Fp%3D576067?utm_medium=ic-nl&utm_source=104421 [We want to hear from you! Let us know your thoughts by clicking here]( [Link]( # Follow us on: [submit to reddit]( [submit to reddit]( [submit to reddit]( [submit to reddit]( To ensure delivery of all emails, [allow us on your list]( Juice&email=TheJuice@news.investingchannel.com). Update your email preferences or unsubscribe [here](. Manage your subscriptions with our [preference center](. View our privacy policy [here](. Copyright ©2023 InvestingChannel. All rights reserved. 1325 Avenue of the Americas, Floor 27 & 28 New York, New York 10019 Disclaimer: This is not investment advice. This InvestingChannel, Inc., newsletter is for information purposes only and is based on opinion. Futures, forex, stock, and options trading are not appropriate for all investors. There is a substantial risk of loss associated with trading these markets. Losses can and will occur. No system or methodology has ever been developed that can ensure returns or eliminate losses. InvestingChannel, Inc., makes no representation or implication that using any of the methodologies or systems in this newsletter will generate returns or insure against losses. Investors should be cautious about any and all investments and are advised to conduct their own due diligence prior to making any investment decisions.