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The 3 Best Bank Stocks to Buy Now
The 3 Best Bank Stocks to Buy Now
InvestorPlace - Stock Market News, Stock Advice & Trading Tips
The Globe and Mail published an article on Sept. 23 that discussed the terrifying — and highly profitable — journey of a bank stock. The bank in question was Royal Bank of Canada (NYSE:RY), Canada's largest company and arguably one of North America's best bank stocks to buy.
Although the article is behind a paywall — I'm a subscriber — I can give readers the gist of Globe contributor John Heinzl's article.
Heinzl assumes that an investor bought 10,000 Canadian dollars of Royal Bank stock on Sept. 21, 2002, and held it for the next 20 years, adding no additional contributions over the two decades. While it got hit on two occasions: Late 2008 into 2009 (financial crises) and March 2020 (Covid-19), it ultimately delivered an annualized total return of 12.45% over 20 years.
Your 10,000 Canadian Dollars would be worth 104,618 Canadian dollars. The SPDR S&P 500 ETF Trust (NYSEARCA:SPY) had an annualized total return of 9.7% over the same period, 280 basis points less.
Canadian investors love their bank stocks because of the dividends. American investors aren't much different.
Here are three bank stocks to buy that will deliver income and capital appreciation over the next 20 years.
CM Canadian Imperial Bank of Commerce $43.35 RYF Invesco S&P 500 Equal Weight Financials ETF $50.88 SIVB SVB Financial $331.71Canadian Imperial Bank of Commerce (CM)
While I considered selecting Royal Bank as one of my three bank stocks to buy, I went with Canadian Imperial Bank of Commerce (NYSE:CM), the underdog amongst Canada's Big Five banks.
Canadian Imperial Bank of Commerce, or CIBC for short, is relatively unknown to American investors. Canada's fourth-largest bank, its U.S. business took a big step forward in 2017 when it acquired Chicago-based PrivateBancorp for $5.0 billion in cash and stock. It was rebranded under the CIBC name shortly after the acquisition's closing.
As a result of the acquisition, the U.S. now accounts for 20% of the bank's overall earnings. Its goal is to get the number up to 25% over the next few years.
As Michael Sprung, President of Sprung Investment Management, pointed out recently on BNN Bloomberg TV, CIBC trades at a price-to-book ratio that is less than every other one of Canada's major banks — This includes National Bank of Canada (OTCMKTS:NTIOF) along with the Big Five — and yields a high 5.4%.
The six analysts who cover CM stock in the U.S. give it an average rating of overweight — three buy, two overweight, and one hold — with an average target price of $65.42. This represents 47% upside to where the stock is currently trading.
If banks are your thing, CIBC is a Canadian diamond in the rough.
Invesco S&P 500 Equal Weight Financials ETF (RYF)
I wanted to include a U.S.-listed equal-weight bank ETF, but as far as I know, there isn't one. Bank of Montreal's Canadian ETF business has an equal-weight bank fund — BMO Equal Weight US Banks Index ETF — but it's listed on the Toronto Stock Exchange. The ETF holds 16 bank stocks, including my favorite U.S. bank, which I'll discuss below.
As a result, I've selected the Invesco S&P 500 Equal Weight Financials ETF (NYSEARCA:RYF), which tracks the performance of the S&P 500 Equal Weight Financials Index. The index has 66 financial services stocks from the S&P 500. Bank stocks account for 27.16% of the ETF's $398.8 million total net assets.
As for the size of bank stock, the average market capitalization is $56.0 billion, with large caps accounting for 45%, and mid-caps making up the remaining 55%. The top 10 holdings of this ETF include two bank stocks — M&T Bank (NYSE:MTB) and Regions Financial (NYSE:RF).
When picking winners in the financials, healthcare, and technology sectors, you're often better to buy an ETF and let a rising tide lift all boats.
As for why I picked an equal-weight financial services ETF, the market cap-weighted version of the S&P 500 — The Financial Select Sector SPDR Fund (NYSEARCA:XLF) — has Berkshire Hathaway (NYSE:BRK-B), JPMorgan Chase & Co. (NYSE:JPM), and Bank of America (NYSE:BAC) accounting for more than 30% of its total net assets.
I don't have a problem with any of the three stocks, but you've got to be confident they will be the winners over the next 20 years because if they're not, you will badly underperform the S&P 500.
SVB Financial (SIVB)
SVB Financial (NASDAQ:SIVB) has been hit the hardest of my three top bank stocks to buy picks. It's down more than 51% year-to-date compared to -23.9% for CIBC and -20.5% for RYF.
Investors have been especially harsh with SIVB stock because of the bank holding company's business model. It focuses on innovators and entrepreneurs, with much of its business done with private companies. In 2022, the correction of the public markets, combined with fears of recession, has put severe downward pressure on the private markets and valuations. That led to less business for the bank.
SVB reported Q2 2022 results that were less than analyst estimates. Revenues were $1.53 billion, $100 less than the consensus, while earnings per share were $5.60, 27% less than analyst expectations.
"Challenges in the public markets are affecting liquidity flows to private companies, and that impact is being felt down the line in private company valuations, hiring, and performance expectations," said Greg Becker, President and CEO of SVB Financial Group.
As a result of lowered expectations, its shares are trading near a 52-week low. The last time they traded this low was December 2020.
Unless you believe that the innovation economy is dead, SIVB stock provides aggressive investors with an excellent entry point for long-term gains.
In December 2013, I included SVB Financial in a list of The 5 Best Stocks to Buy for the Next 20 Years. It's up 227%, 2.5x JPMorgan's cumulative return over the same period. I expect it to do the same over the next 8-10 years.
On the date of publication, Will Ashworth did not have (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the InvestorPlace.com Publishing Guidelines.
Will Ashworth has written about investments full-time since 2008. Publications where he's appeared include InvestorPlace, The Motley Fool Canada, Investopedia, Kiplinger, and several others in both the U.S. and Canada. He particularly enjoys creating model portfolios that stand the test of time. He lives in Halifax, Nova Scotia.
The post The 3 Best Bank Stocks to Buy Now appeared first on InvestorPlace.
InvestorPlace-股票市场新闻、股票建议和交易提示
《环球邮报》9月1日发表了一篇文章。23讨论了可怕的-而且利润丰厚的-银行股之旅。有问题的银行是加拿大皇家银行(纽约证券交易所:雷利),加拿大最大的公司,也可以说是北美最值得买入的银行股之一。
虽然这篇文章是在付费墙后面--我是订阅者--但我可以给读者提供地球仪撰稿人John Heinzl的文章。
Heinzl假设一名投资者在9月9日购买了10,000加元的皇家银行股票。21,2002年,并在接下来的20年里一直持有它,在这20年中没有增加任何额外的捐款。虽然它曾受到两次冲击:2008年末至2009年(金融危机)和2020年3月(新冠肺炎),但它最终在20年内实现了12.45%的年化总回报率。
你的10,000加元将相当于104,618加元。这个SPDR标准普尔500指数ETF信托(NYSEArca:标普500ETF)同期的年化总回报率为9.7%,少280个基点。
加拿大投资者喜欢他们的银行股,因为他们的股息。美国投资者也没有太大不同。
这里有三只银行股可以购买,它们将在未来20年带来收入和资本增值。
Cm加拿大帝国商业银行$43.35Ryf Invesco标准普尔500等权金融ETF$50.88 SIVB SVB Financial$331.71加拿大帝国商业银行(CM)
虽然我考虑选择皇家银行作为我购买的三只银行股之一,但我还是选择了加拿大帝国商业银行(纽约证券交易所:厘米),在加拿大五大银行中处于劣势。
美国投资者对加拿大帝国商业银行(Canada Imperial Bank of Commerce,简称CIBC)知之甚少。加拿大的第四大银行,其美国业务在2017年向前迈出了一大步,以50亿美元现金和股票。在收购完成后不久,该公司以加拿大帝国商业银行的名义更名。
作为收购的结果,美国现在占到了20%占银行总收益的比例。它的目标是在未来几年内将这一数字提高到25%。
正如春泉投资管理公司的总裁最近指出的那样,BNN彭博电视台,加拿大帝国商业银行的市净率低于加拿大其他任何一家主要银行--包括加拿大国民银行(OTCMKTS:NTIOF)和五大股指一起,收益率高达5.4%。
这个六位分析师负责美国CM股票的投资者给出的平均评级为增持--3个买入,2个加码,1个持有--平均目标价为65.42美元。这意味着该股目前的交易价格上涨了47%。
如果你喜欢银行,那么加拿大帝国商业银行就是一颗未加工的加拿大钻石。
景顺标准普尔500等权重金融ETF(RYF)
我想纳入一只在美国上市的同等权重银行ETF,但据我所知,还没有一只。蒙特利尔银行的加拿大ETF业务拥有一只同等权重的银行基金--蒙特利尔银行等权重美国银行指数ETF-但它在多伦多证券交易所上市。ETF持有16只银行股,包括我最喜欢的美国银行,我将在下面讨论这一点。
因此,我选择了景顺标准普尔500等权重金融ETF(NYSEArca:RYF),它跟踪标准普尔500等权重金融指数。该指数有66来自标准普尔500指数的金融服务类股。银行股占该ETF总净资产3.988亿美元的27.16%。
至于银行股的规模,平均市值为560亿美元,大盘股占45%,中盘股占其余55%。这只ETF的前十大持股包括两只银行股--M&T银行(纽约证券交易所:山地车)和地区金融(纽约证券交易所:射频)。
在挑选金融、医疗和科技类股的赢家时,你最好买一只ETF,让上涨的潮水把所有的船都抬高。
至于我为什么选择同等权重的金融服务ETF,这是市值加权版本的标准普尔500指数-金融精选行业SPDR基金(NYSEArca:XLF)-有伯克希尔哈撒韦(纽约证券交易所:BRK-B),摩根大通。(纽约证券交易所:JPM),以及美国银行(纽约证券交易所:BAC)占比超过百分之三十占其总净资产的比例。
我对这三只股票中的任何一只都没有问题,但你必须相信它们将是未来20年的赢家,因为如果它们不是赢家,你的表现将严重逊于标准普尔500指数。
SVB Financial(SIVB)
SVB财经(纳斯达克:SIVB)在我购买的三只最适合购买的银行股中,受到的打击最大。今年到目前为止,它的跌幅超过了51%,相比之下,加拿大帝国商业银行下跌了23.9%,Ryf下跌了20.5%。
由于银行控股公司SIVB的商业模式,投资者对SIVB的股票尤其苛刻。它专注于创新者和企业家,其大部分业务都是与私营企业。2022年,公开市场的回调,加上对经济衰退的担忧,给私人市场和估值带来了严重的下行压力。这导致该银行的业务减少。
SVB公布的2022年第二季度业绩低于分析师预期。营收为15.3亿美元,比普遍预期少100美元,每股收益为5.60美元,比分析师预期低27%。
“公开市场的挑战正在影响流向民营企业的流动性,这种影响在未来的民营企业估值、招聘和业绩预期中都能感受到。”说格雷格·贝克尔,总裁,SVB金融集团首席执行官。
由于预期降低,其股价目前接近52周低点。上一次它们的交易价格如此之低是在2020年12月。
除非你认为创新经济已经死了,否则SIVB的股票为激进的投资者提供了一个绝佳的长期收益切入点。
2013年12月,我将SVB Financial列入了一份未来20年最值得购买的5只股票。它是向上的227%,是摩根大通同期累计回报率的2.5倍。我预计它在未来8-10年内也会做同样的事情。
在出版之日,威尔·阿什沃斯没有(直接或间接)持有本文所述证券的任何头寸。本文中表达的观点是作者的观点,受InvestorPlace.com出版指南。
威尔·阿什沃斯自2008年以来一直全职撰写有关投资的文章。他现身的出版物包括InvestorPlace、The Motley Fool Canada、Investopedia、Kiplinger以及美国和加拿大的其他几家出版物。他尤其喜欢创建经得起时间考验的投资组合模型。他住在新斯科舍省的哈利法克斯。
现在,最值得购买的3只银行股的帖子首先出现在InvestorPlace上。
moomoo是Moomoo Technologies Inc.公司提供的金融信息和交易应用程序。
在美国,moomoo上的投资产品和服务由Moomoo Financial Inc.提供,一家受美国证券交易委员会(SEC)监管的持牌主体。 Moomoo Financial Inc.是金融业监管局(FINRA)和证券投资者保护公司(SIPC)的成员。
在新加坡,moomoo上的投资产品和服务是通过Moomoo Financial Singapore Pte. Ltd.提供,该公司受新加坡金融管理局(MAS)监管(牌照号码︰CMS101000) ,持有资本市场服务牌照 (CMS) ,持有财务顾问豁免(Exempt Financial Adviser)资质。本内容未经新加坡金融管理局的审查。
在澳大利亚,moomoo上的金融产品和服务是通过Futu Securities (Australia) Ltd提供,该公司是受澳大利亚证券和投资委员会(ASIC)监管的澳大利亚金融服务许可机构(AFSL No. 224663)。请阅读并理解我们的《金融服务指南》、《条款与条件》、《隐私政策》和其他披露文件,这些文件可在我们的网站 https://www.moomoo.com/au中获取。
在加拿大,通过moomoo应用提供的仅限订单执行的券商服务由Moomoo Financial Canada Inc.提供,并受加拿大投资监管机构(CIRO)监管。
在马来西亚,moomoo上的投资产品和服务是通过Moomoo Securities Malaysia Sdn. Bhd. 提供,该公司受马来西亚证券监督委员会(SC)监管(牌照号码︰eCMSL/A0397/2024) ,持有资本市场服务牌照 (CMSL) 。本内容未经马来西亚证券监督委员会的审查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd., Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc.,和Moomoo Securities Malaysia Sdn. Bhd.是关联公司。
风险及免责提示
moomoo是Moomoo Technologies Inc.公司提供的金融信息和交易应用程序。
在美国,moomoo上的投资产品和服务由Moomoo Financial Inc.提供,一家受美国证券交易委员会(SEC)监管的持牌主体。 Moomoo Financial Inc.是金融业监管局(FINRA)和证券投资者保护公司(SIPC)的成员。
在新加坡,moomoo上的投资产品和服务是通过Moomoo Financial Singapore Pte. Ltd.提供,该公司受新加坡金融管理局(MAS)监管(牌照号码︰CMS101000) ,持有资本市场服务牌照 (CMS) ,持有财务顾问豁免(Exempt Financial Adviser)资质。本内容未经新加坡金融管理局的审查。
在澳大利亚,moomoo上的金融产品和服务是通过Futu Securities (Australia) Ltd提供,该公司是受澳大利亚证券和投资委员会(ASIC)监管的澳大利亚金融服务许可机构(AFSL No. 224663)。请阅读并理解我们的《金融服务指南》、《条款与条件》、《隐私政策》和其他披露文件,这些文件可在我们的网站 https://www.moomoo.com/au中获取。
在加拿大,通过moomoo应用提供的仅限订单执行的券商服务由Moomoo Financial Canada Inc.提供,并受加拿大投资监管机构(CIRO)监管。
在马来西亚,moomoo上的投资产品和服务是通过Moomoo Securities Malaysia Sdn. Bhd. 提供,该公司受马来西亚证券监督委员会(SC)监管(牌照号码︰eCMSL/A0397/2024) ,持有资本市场服务牌照 (CMSL) 。本内容未经马来西亚证券监督委员会的审查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd., Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc.,和Moomoo Securities Malaysia Sdn. Bhd.是关联公司。
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