Monthly Archive for August, 2009

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True Bull Market or Bear Market Rally?

This video from Warren Pollock explains in part why we may or may not be in a new bull market or just a bear market rally. He says that when we have a rising US dollar and a rising stock market, this is  a true bull market. However, when our currency is falling and the market is rising, this is a sign of a false bull market.

Also, if you have the time, I highly recommend watching Pollock’s full presentation entitled “The Great Reset”, the goal of which is to provide a political, economic, and social forecast in the context of the systemic failure that has already occurred in the US. Though I disagreed with some small parts of the presentation, it was nevertheless very thought-provoking.

Federal Stimulus Spending: An Oxymoron

The second quarter 2009 review and outlook by Hoisington Investment Management Company gives a good overview of the complex monetary chain between Fed actions and the economy. Stuff like money multipliers, velocity of money, and supply curves are discussed.

What was more interesting to me was the cited research that suggests the term “federal stimulus spending” is an oxymoron. The Hoisington outlook states, “Many assume that the act of sending checks from the federal government sector to the private sector helps the economy through so-called spending multipliers.” However, some researchers have found that “the government expenditure multiplier from 1955 to 2006 was negative .01, not statistically different from [zero].”  This means “that each $1 increase in government spending reduces private spending by about $1, with no net beneft to GDP.  All that is left is a higher level of government debt creating slower economic growth.”

I’m not sure if I am merely seeking to confirm my biases here, but I feel that this is good evidence that there is no multiplier effect from the federal government increasing its debt to “stimulate” the economy. After having correctly intervened to avert a major crisis during the first quarter of this year, the government should allow the private sector to do its thing — the last thing the government should be doing is ratcheting up the debt because the effect is negligible at best and most likely negative  for the American people. The only people benefiting from increasing levels of debt are the politicians who are able to hand out favors and bribes to their constituents via government expenditures. President Obama is another one of the few beneficiaries of this crazy policy — I am sure he still has many campaign favors to repay.

Some Small Bank Stocks That Might Be Worth Watching

I’ve been keeping a list of small to medium-size banks that look like they might survive easily or just barely. I have little experience in analyzing bank stocks, so this is an area in which I would like to improve.

As you can tell, these are very tiny, regional banks and all have pretty good ratings from Bankrate. None have market caps greater than $150 million. However, because they’re pretty small and trading volume is pretty low, there is a greater chance of a mispriced stock, i.e., an opportunity.

Update: I substituted the debt/equity ratio for equity/assets and nonperforming assets/assets as I thought these ratios are more helpful and descriptive. The higher the equity/assets ratio the better and the lower the nonperforming ratio the better.

Bank of South Carolina (BKSC)

  • Market cap: 53.08 million
  • P/B: 1.96
  • Equity / Assets: 10.82%
  • Nonperforming Assets / Assets: 0.11%
  • ROA: 1.24%
  • Inside ownership: 30.04%
  • Operating margin: 37.09%
  • Profit margin: 24.92%
  • 4 star rating from Bankrate.com
  • There has been recent insider purchases

Monroe Bancorp (MROE)

  • Market cap: 44.86M
  • P/B: 0.80
  • Equity / Assets: 7.74%
  • Nonperforming Assets / Assets: 2.09%
  • ROA: 0.44%
  • Inside ownership: 11.69%
  • Operating margin: 9.93%
  • Profit margin: 10.10%
  • 3 star rating from Bankrate.com

Center Bancorp (CNBC)

  • Market cap: 117.04M
  • P/B: 1.31
  • Equity / Assets: 8.14%
  • Nonperforming Assets / Assets: 0.80%
  • ROA: 0.51%
  • Inside ownership: 13.79%
  • Operating margin: 23.66%
  • Profit margin: 18.38%
  • 3 star rating from Bankrate.com

Access National Bank (ANCX)

  • Market cap: 66.40M
  • P/B: 1.04
  • Equity / Assets: 8.26%
  • Nonperforming Assets / Assets: 1.45%
  • ROA: 1.07%
  • Inside ownership: 37.73%
  • Operating margin: 17.46%
  • Profit margin: 10.55%
  • 4 star rating from Bankrate.com

Eagle Bancorp (EGBN)

  • Market cap: 113.69M
  • P/B: 0.78
  • Equity / Assets: 9.18%
  • Nonperforming Assets / Assets: 3.24%
  • ROA: 0.69%
  • Inside ownership: 16.17%
  • Operating margin: 22.48%
  • Profit margin: 14.68%
  • 3 star rating from Bankrate.com

East Carolina Bank (ECBE)

  • Market cap: 46.12M
  • P/B: 0.54
  • Equity / Assets: 7.98%
  • Nonperforming Assets / Assets: 1.62%
  • ROA: 0.41%
  • Inside ownership: 22.64%
  • Operating margin: 13.33%
  • Profit margin: 11.29%
  • 3 star rating from Bankrate.com

Robert Rodriguez

The more I read and listen to Robert Rodriguez of FPA Capital, the more I feel that he is one of the greatest investors alive today. I identify strongly with what he says and I like the fact that he seems to say what he means and mean what he says. He seems to be a person of unparalleled discipline and is unafraid to do the right thing even though it may cost him dearly.

This link goes to a video interview with Rodriguez. I recently re-watched the video and pulled out two good quotes that represent two issues that are going to be very important to all of us in the coming years.

  1. “There is no God-given right to an easy retirement.”
  2. “We had In this country, I believe, a perverse view of what reality truly was and now that veil is being lifted…”