Gerlinger advises regional bank investors to take advantage of today's discounted valuations. He predicts growth bank stocks like WAL and EWBC will gain market favor as credit and commercial real estate concerns diminish. Poonawala also anticipates potential boosts from macro themes such as regulations, M&A, and elections.
KBW is optimistic about East West Bancorp, Webster Financial, and Western Alliance Bancorp, citing potential gains for bank stocks post possible interest rate cuts. Smaller investor catering banks may stand out.
華美銀行股票討論區
新增數據:23Q4,營收萎縮2.82%,主要是利息費用增加太多,稅前利潤受費用增長過快影響萎縮15.7%,稅後利潤萎縮29%。
2023年營收增長10.6%,淨利潤增長2.9%,如果還不降息,可能還會有段淨利潤下降的時期,因爲低息貸款換爲市場利息需要一定的時間,而公司主要是短期負債,接近市場利息。
目前市盈率9.4,股息率2.5%,估值並不算高,暫時不做調整。
5年來營收除2020年外增長了4年,平均增速11.4%,5年平均淨利7.9億。2022年淨資產收益率19.1%,5年算數平均爲15.4%。
2023前3季度營收增長15.9%,淨利潤增長16.5%。
5年來資產負債率從89.2%提高到90.7%,目前90.3%。 商譽及其他無形資產4.66億,佔65.97億淨資產的7.1%。庫存股7.92億,普通股股本略有增加。
目前市盈率8.7,市盈率TTM7.8, 5年平均淨利對應市盈率爲12.3,市淨率1.47,股息率2.67%,最近十年股息穩定增長,營收增速可以看出除了週期性以外還有一定成長性,目前的估值略有低估,可以謹慎選擇(⭐️)
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