Welcome to our blog. At Gator, we are dedicated to a research-oriented investment approach. To demonstrate our research integrated investment strategy, we would like to provide you some insight into our analytical stock selection process. As a reminder, the discussion of individual securities should not be construed as a recommendation to buy or sell such securities. Not all research is for securities currently held. Any securities for which research is provided herein may be reduced, completely closed out, or not purchased at all without notice of any kind.

  • Continued Opportunity in Small Banks

    Saturday, June 26, 2021

    Regional bank stocks have had an epic run over the past eight months. From September until May, the SPDR S&P Regional Banking ETF (“KRE”) returned 101%. After such a large move, we believe regional banks have shifted from extremely undervalued to fairly valued. However, we …

  • JP Morgan Chase Should Pause Stock Repurchases

    Thursday, January 2, 2020

    JP Morgan Chase’s (“JPM”) stock price has had a great run in 2019.  Up 42% year-to-date, JPM now trades at 2.33x tangible book value per share (“TBVPS”).  JPM has been repurchasing a ton of its own stock.  In June, the Federal Reserve did not object …

  • Dumpster Diving in the Financials Sector

    Thursday, September 5, 2019

    As we head into September, the stock market is making all-time highs, but many investors we speak to are worried about a recession.  Many investors think ten years of economic expansion suggests a recession is right around the corner.  We are not so sure.  While …

  • Credit Suisse – Investment Thesis

    Wednesday, October 24, 2018

    Our investment thesis in Credit Suisse includes improved capital allocation to higher margin businesses, conservative guidance on future returns, open-ended growth opportunity in wealth management, improved capital levels and potential capital return, improved cost structure, the reduction of legacy costs and litigation leading to improved …

  • Do the deposit franchises of Direct Banks have value?

    Ally Financial, Deposit Franchise Value, Deposit Franchises, Direct Banks, Internet Banks
    Saturday, March 31, 2018

    Bank investors often measure the franchise value of a bank by looking at the quality of the deposit franchise. Deposits are so difficult to raise that they provide the best point of differentiation among banks. After all, the asset side of a bank’s balance sheet …

  • Kingstone Companies – Investment Thesis

    Homeowners Insurance Company Investment, Insurance Stock, Investment Thesis, Micro Cap Stock
    Wednesday, February 22, 2017

    We purchased additional common shares of Kingstone Companies, Inc. (NASDAQ: KINS) in late January when the company raised capital in a follow-on offering at $12 per share.  The stock has increased in the last week, but we were editing and getting this post through compliance. …

  • Capital One Investment Thesis

    Monday, September 19, 2016

    Capital One stock is interesting because we believe it has the best combination of growth and value among the super-regional banks. With its mix of national lending platforms and online deposit gathering franchises, it is our opinion that Capital One has the best strategic positioning …

  • SLM Corporation Stock Investment Thesis

    Monday, September 19, 2016

    We purchased SLM Corporation (“SLM”) this summer because it was trading at 10x 2017 estimated EPS and is growing its loan portfolio more than 20% annually. SLM is the renamed student loan company formerly known as Sallie Mae. The student loan industry has gone through …


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