Report
Dave Nicoski ...
  • Ross LaDuke
EUR 44.39 Purchase single report

Vital Signs: Actionable charts

Key Points:

• A number of Banks and Thrifts are developing price and/or RS reversals. (ex. BHLB, OFG, STL, CHFC, CPF, GWB, PPBI, HOPE, MTB,CBSH)

• Money management/Capital markets and Insurance names remain leadership in the Financial Sector. (ex. AMP, NAVI, PMT, JEF, JRVR, and MCY.
Underlyings
Ameriprise Financial

Ameriprise Financial is a holding company. Through its subsidiaries, the company provides a range of products and services to individual and institutional clients. The company has the following segments: Advice and Wealth Management, which provides financial planning and advice, as well as brokerage services, primarily to retail clients through its financial advisors; Asset Management, which provides investment management and advice and investment products to clients through its subsidiaries; Annuities, which provides RiverSource variable and fixed annuity products to individual clients; and Protection, which provides a variety of products including life, disability income and property casualty insurance.

Berkshire Hills Bancorp

Berkshire Hills Bancorp is a bank holding company. Through its subsidiary, Berkshire Bank (the Bank), the company provides a range of deposit, lending, insurance, and wealth management products to retail and commercial customers in its market areas. The Bank also owns mortgage banking and specialty equipment finance subsidiaries which serve markets nationwide. Additionally, the Bank is a provider of SBA loan solutions in targeted markets. The company's subsidiary, Berkshire Insurance Group, Inc., is an insurance agent engaged in providing a line of personal and commercial property and casualty insurance. As of Dec 31 2017, the company had total assets of $11,570,751,000 and total deposits of $8,749,530,000.

Boot Barn Holdings

Boot Barn Holdings is a retail chain focused on western and work-related footwear, apparel and accessories. As of Mar 31 2018, the company had 226 stores in 31 states. The company's stores, which are freestanding or located in strip centers, feature an assortment of brands and styles, coupled with store associates. The company's product offering is anchored by a selection of western and work boots and an assortment of coordinating apparel and accessories. The company also carries assortments of denim, western shirts, cowboy hats, belts and belt buckles, western-style jewelry and accessories. The company's work assortment includes footwear, outerwear, overalls, denim and shirts for the physically demanding jobs.

Central Pacific Financial Corp.

Central Pacific Financial is a bank holding company. Through its Central Pacific Bank subsidiary, the company provides a range of banking services and products to businesses and individuals in Hawaii. The company concentrates its lending activities in five key areas: residential mortgage lending, commercial lending and leasing, commercial mortgage lending, construction lending and consumer lending. The company also provides a range of deposit products and services including checking, savings and time deposits, cash management and electronic banking services, trust services and retail brokerage services. As of Dec 31 2017, the company had total assets of $5.62 billion and total deposits of $4.96 billion.

Chemical Financial Corp.

Chemical Financial is a financial holding company. The company's subsidiary, Chemical Bank, provides a range of banking and fiduciary products and services. These include business and personal checking accounts, savings and individual retirement accounts, time deposit instruments, electronically accessed banking products, residential and commercial real estate financing, commercial lending, consumer financing, debit cards, safe deposit box services, money transfer services, automated teller machines, access to insurance and investment products, corporate and personal wealth management services, mortgage banking and other banking services. The company operates in one segment: commercial banking.

Commerce Bancshares Inc.

Commerce Bancshares is a bank holding company. Through a second tier bank holding company, the company owns all of the outstanding capital stock of Commerce Bank (the Bank). The Bank engages in general banking business, providing a range of retail, mortgage banking, corporate, investment, trust, and asset management products and services to individuals and businesses. The company also owns various non-banking subsidiaries. Their activities include private equity investment, securities brokerage, insurance agency, and leasing activities. The company's two main markets include St. Louis and Kansas City, which serve as the central hubs for the company The company is managed in three segments: Consumer, Commercial, and Wealth.

Core-Mark Holding Co

Core-Mark Holding Company is a wholesale distributor to the convenience retail industry, providing sales, marketing, distribution and logistics services to customer locations across the U.S. and Canada. The company purchases a variety of brand name and private label products from suppliers and manufacturers. The company provides customers a variety of food/non-food products, including fast food, candy, snacks, groceries, fresh products, dairy, bread, beverages, other tobacco products, general merchandise and health and beauty care products. The company operates consolidation centers which buy products from its suppliers in bulk quantities and then redistribute the products to its other distribution centers.

DaVita

DaVita consists of two primary divisions, DaVita Kidney Care (Kidney Care) and DaVita Medical Group (DMG). Kidney Care is comprised of the company's U.S. dialysis and related lab services, its ancillary services and strategic initiatives, including its international operations and its corporate administrative support. The company's U.S. dialysis and related lab services business is its principal line of business, which is a provider of kidney dialysis services in the U.S. for patients suffering from chronic kidney failure, also known as end stage renal disease. The company's DMG division is a patient- and physician-focused integrated healthcare delivery and management company providing outcomes-based medical care.

Diebold Inc.

Diebold Nixdorf provides connected commerce solutions. Product-related services provided by the company include monitoring and resolution of incidents via remote service capabilities or an on-site visit. The company also provides front end applications for consumer connection points and back end platforms that manage channel transactions, operations and integration. The systems portfolio consists of cash recyclers and dispensers, intelligent deposit terminals, teller automation tools, physical security devices, integrated and mobile point of sale (POS) systems. Supplementing the POS system is a range of peripherals, including printers, scales and mobile scanners, as well as the cash management portfolio.

Dine Brands Global

Dine Brands Global, owns and franchises the Applebee's Neighborhood Grill & Bar? (Applebee's) concept in the bar and grill segment within the casual dining category of the restaurant industry and the International House of Pancakes? (IHOP) concept in the family dining category of the restaurant industry. Applebee's menu features a selection of grill and bar fare, such as appetizers, bar snacks, burgers, entrees and lighter fare, cocktails, beers and desserts. IHOP restaurants feature table service, food and beverage offerings. Although the restaurants are known for pancakes, omelets and other breakfast specialties, IHOP restaurants also provide a variety of lunch, dinner and snack items.

Great Western Bancorp

Great Western Bancorp is a bank holding company focused on relationship-based business and agri-business banking. The company serves its customers through branches in Arizona, Colorado, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota and South Dakota. The company focuses on business and agri-business banking, complemented by retail banking and wealth management services. The company's loan portfolio consists of business loans, such as commercial real estate loans, agri-business loans and commercial non-real estate loans. The company also provides deposit and loan products to its retail customers. In addition, the company is engaged in private banking, financial planning, investment management and insurance operations.

Hope Bancorp

Hope Bancorp is a bank holding company. Through its subsidiary, Bank of Hope, the company provides commercial and retail banking loan and deposit products. The company accepts deposits and originates a variety of loans, including commercial business loans, commercial real estate loans, trade finance loans, small business administration loans, auto loans, single-family mortgages, warehouse lines of credit, personal loans, and credit cards. The company also provides cash management services to its business customers, which include remote deposit capture, lock box and automated clearing house origination services. As of Dec 31 2017, the company had total assets of $14.21 billion and total deposits of $10.85 billion.

James River Group Holdings

Jefferies Financial Group

Jefferies Financial Group is a financial holding company. The company's Jefferies Group segment operates in two business segments: Capital Markets, which includes investment banking, sales and trading and other related services; and Asset Management, which provides investment management services and overseas and makes capital investments in managed funds and accounts. The company's Merchant Banking consists of its various merchant banking businesses and investments, including National Beef Packing Company, Spectrum Brands Holdings, Inc., Linkem S.p.A., Vitesse Energy, LLC and JETX Energy LLC, WeWork, HomeFed Corporation, Idaho Timber, FXCM Group, LLC, Foursight Capital and Golden Queen Mining Company.

LCI Industries

LCI Industries is a supplier of components for the original equipment manufacturers of recreational vehicles and adjacent industries. The company's products include steel chassis and related components; axles and suspension solutions; slide-out mechanisms and solutions; thermoformed bath, kitchen and other products; vinyl, aluminum and frameless windows; manual, electric and hydraulic stabilizer and leveling systems; entry, luggage, patio and ramp doors; furniture and mattresses; electric and manual entry steps; awnings and awning accessories; electronic components; appliances; televisions and sound systems; navigation systems; backup cameras; and other accessories.

M&T Bank Corp.

M&T Bank is a bank holding company. Through its subsidiaries, the company provides individuals, corporations and other businesses, and institutions with commercial and retail banking services, including loans and deposits, trust, mortgage banking, asset management, insurance and other financial services. Banking activities are primarily focused on consumers residing in New York State, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia and on small and medium-size businesses based in those areas. Certain subsidiaries also conduct activities in other areas.

Mercury General Corp.

Mercury General is an insurance holding company. Through its subsidiaries, the company writes personal automobile insurance in 11 states, mainly California. The company also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance. The company provides the following types of automobile coverage: collision, property damage, bodily injury, comprehensive, personal injury protection, underinsured and uninsured motorist, and other hazards. The company also provides the following types of homeowners coverage: dwelling, liability, personal property, fire, and other hazards. The company sells its policies through independent agents, its insurance agencies, and internet sales portals.

Navient Corp

Navient provides education loan management and business processing solutions for education, healthcare, and government clients. The company has three main reportable operating segments: Federal Education Loans, which holds and acquires Federal Family Education Loan Program Loans and performs servicing and asset recovery services on its own loan portfolio, federal education loans and other institutions; Consumer Lending, which holds, originates and acquires consumer loans and performs servicing activities on its own education loan portfolio; and Business Processing, which performs revenue cycle management and business processing services for non-education related government and healthcare clients.

OFG Bancorp

OFG Bancorp is a financial holding company. Through its subsidiaries, the company provides a range of banking and financial services. The company's business segments include: Banking, which provides deposits and commercial, consumer and mortgage loans, and mortgage banking activities; Wealth Management, which include financial planning, money management, investment banking, brokerage services, insurance sales activity, corporate and individual trust, and retirement services, as well as retirement plan administration services; and Treasury, which encompasses all of the company's asset/liability management activities. As of Dec 31 2017, the company had total assets of US$6,189,053,000 and total deposits of US$4,779,482,000.

Pacific Premier Bancorp Inc.

Pacific Premier Bancorp is a bank holding company. The company operates through its subsidiary, Pacific Premier Bank. Through its branches and Internet website at www.ppbi.com, the company provides an array of deposit products and services, including checking, money market and savings accounts, cash management services, electronic banking services, and on-line bill payment. The company also provides an array of loan products, such as commercial business loans, lines of credit, Small Business Administration loans, commercial real estate loans, agribusiness loans, home equity lines of credit, construction loans, farmland and consumer loans.

PennyMac Mortgage Investment Trust

PennyMac Mortgage Investment Trust is a holding company and a finance company. The company's business includes four segments: correspondent production, which serving as an intermediary between mortgage lenders and the capital markets by purchasing, pooling and reselling newly originated prime credit quality mortgage loans; credit sensitive strategies, which include distressed mortgage loans, real estate acquired in settlement of mortgage loans; interest rate sensitive strategies, which include excess servicing spread and the related interest rate hedging activities; and corporate activities, which includes certain interest income and management fee and other corporate expenses.

Shake Shack

Shake Shack is a roadside burger stand serving an American menu of burgers, hot dogs, crispy chicken, frozen custard, crinkle cut fries, shakes, beer, wine and others. The company operates and licenses Shake Shack restaurants. The company's menu include: Burgers & Chicken, which includes ShackBurger?, SmokeShack?, 'Shroom Burger? (Co.'s vegetarian burger), Shack Stack? and Hamburger, as well as Chick'n Shack?; Crinkle Cut Fries, which are made from Yukon potatoes; Hot Dogs, which include beef hot dogs and chicken dogs; Frozen Custard, which is made from vanilla and chocolate recipes and milk; Beer, Wine and Beverages, which provide local craft beers; and Dogs Are Welcome Too, which provides dog biscuits.

Sterling Bancorp

Sterling Bancorp is a bank holding company and financial holding company. Through its subsidiary, Sterling National Bank (the Bank), the company provides a range of commercial, business, and consumer banking products and services. The Bank operates as a regional bank providing a range offering of deposit, lending and wealth management products to commercial, consumer and municipal clients in its market area. The Bank also operates its commercial finance businesses, which include asset-based lending, payroll financing, factoring, warehouse lending, equipment financing, public sector financing, which target markets across the U.S.

Triumph Group Inc.

Triumph Group designs, engineers, manufactures, repairs, overhauls and distributes a portfolio of aerostructures, aircraft components, accessories, subassemblies and systems. The company provides a variety of products and services to the aerospace industry through three operating segments: Triumph Integrated Systems, which includes hydraulic, mechanical and electro-mechanical actuation, power and control; Triumph Aerospace Structures, which includes wings, wing boxes, fuselage panels, horizontal and vertical tails and sub-assemblies; and Triumph Product Support, which includes post-delivery value chain services that simplify the maintenance, repair and overhaul supply chain.

Viad Corp.

Viad operates is an experiential services company with operations principally in the U.S., Canada, the U.K., continental Europe, the United Arab Emirates and Hong Kong. The company operates through two main business groups: GES, which is a provider for live events that produces exhibitions, conferences, corporate events, and consumer events; and Pursuit, which comprises four lines of business: Hospitality, including food and beverage services and retail operations; Attractions, including food and beverage services and retail operations; Transportation; and Travel Planning.

Vonage Holdings

Vonage Holdings is a provider of cloud communications services for businesses and consumers. The company also provides residential communication solutions. For its Business customers, the company provide cloud-based Unified Communications as a Service solutions, comprised of integrated voice, text, video, data, collaboration, and mobile applications over its Session Initiation Protocol based Voice over Internet Protocol network. The company also provides Communications Platform as a Service solutions, which embed communications into apps, websites and business processes. For its Consumer customers, the company provides voice and messaging services and other features on a variety of devices.

Provider
Vermilion Research
Vermilion Research

Vermilion Research delivers timely, actionable, and unique research inputs to professional investors. Our research strategists highlight securities which we believe are at major inflection points, based on our various proprietary technical indicators, and offer asymmetric risk/return profiles. We believe our research methodology, which is not limited by industry sector or market capitalization, enables us to deliver superior investment recommendations.

Our process begins by organizing all actively traded stocks into coherent sectors, then into logical industry groups. We then apply our proprietary relative strength tools to identify developing price trends. Once attractive trends are identified within a selected sectors or groups, we screen for individual stocks which we believe offer the best risk/reward profile. Vermilion offers U.S. and global equity market research products. Vermilion’s research team, which has received numerous awards and accolades, has a combined 70 year of experience in the analysis of investment securities.

Analysts
Dave Nicoski

Ross LaDuke

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