Why Neutral?
Associated�� focus on its organic growth strategy has resulted in an increase in deposits as well as net interest income (NII) over the past several quarters. Further, the company continues to build capital, leading to a better financial position that will aid in fulfilling higher capital requirements. Moreover, meaningful capital deployment and consistently improving credit quality are the positives for Associated.
Nevertheless, increased non-interest expenses and significant exposure to commercial loans remain major causes of concern for the company. In addition, Associated�� profitability remains subject to stringent regulations. Another issue that plagues the company is its limited exposure to markets.
Best Casino Stocks To Invest In Right Now: Webster Financial Corp (WBS)
Webster Financial Corporation (Webster), incorporated on September 10, 1986, is a bank holding company and financial holding company. Webster�� principal asset as of December 31, 2012, was Webster Bank, National Association (Webster Bank). Webster, through Webster Bank and various subsidiaries, delivers financial services to individuals, families and businesses primarily throughout southern New England and into Westchester County, New York. Webster provides business and consumer banking, mortgage lending, financial planning, trust and investment services through 167 banking offices, 293 automated teller machines (ATMs), telephone banking, mobile banking and its Internet Website www.websterbank.com. Webster also offers equipment financing, commercial real estate lending and asset-based lending across the Northeast. Webster Bank offers health savings accounts on a nationwide basis, through its HSA Bank division and its Internet Website www.hsabank.com. Webster�� operations are managed along four business segments: Commercial Banking, Retail Banking, Consumer Finance and Other. Other includes Health Savings Accounts (HSA) and Private Banking (including Webster Financial Advisors (WFA)).
Commercial Banking
The Commercial Banking segment includes middle market, asset-based lending, commercial real estate, equipment finance, and Government and not-for-profit banking. Webster�� Commercial Banking group provides lending, deposit and cash management services to middle market companies in its franchise territory. Additionally, it serves as a primary referral source to Wealth Management and Retail Banking.
Retail Banking
Retail Banking serves consumers and small businesses primarily throughout southern New England and into Westchester County, New York, with a distribution network of 167 banking offices and 293 owned ATMs, and a full range of Internet and mobile banking services. Retail Banking includes Webster�� branch network, Consumer deposits, Busin! ess and Professional Banking (BPB), Webster Investment Services (WIS) and the Customer Care Center.
Consumer Finance
Consumer Finance offers lending solutions for consumers primarily in southern New England and Westchester County, New York. Products include: residential mortgages, home equity loans and lines of credit, unsecured personal loans as well as credit card options.
Other
Other includes HSA Bank (HSA) and Private Banking. HSA Bank is a bank custodian of health savings accounts. These accounts are provided for high deductible health plans offered by employers or directly to consumers. Private Banking provides local full relationship banking that serves high net worth clients, not-for-profit organizations and business clients for asset management, trust, loan and deposit products and financial planning services.
Subsidiaries of Webster Financial Corporation
Webster�� direct subsidiaries as of December 31, 2012 included Webster Bank, Fleming, Perry & Cox, Inc., and Webster Licensing, LLC. Webster also owns all of the outstanding common stock of Webster Statutory Trust, an unconsolidated financial vehicle that has issued or may in the future issue trust preferred securities. On July 18, 2012, the Company completed the redemption at par of all the outstanding principal amount of Webster Capital Trust IV fixed to floating-rate trust preferred securities. Webster Bank's direct subsidiaries include Webster Mortgage Investment Corporation, Webster Business Credit Corporation (WBCC) and Webster Capital Finance, Inc. (WCF). Webster Bank is the primary source of retail activity within the consolidated Company. Webster Bank is the primary source of retail activity within the consolidated group. Webster Bank provides banking services through 167 banking offices, 293 owned ATMs, telephone banking, mobile banking and its Internet websites. Residential mortgage origination activity is conducted through Webster Bank. Webster Mortgage! Investme! nt Corporation is a passive investment subsidiary whose primary function is to provide servicing on passive investments, such as residential real estate and commercial mortgage real estate loans transferred from Webster Bank. Various commercial lending products are provided through Webster Bank and its subsidiaries to clients within the region from Westchester County, NY to Boston, MA. WBCC provides asset-based lending services. WCF provides equipment financing for end users of equipment. Additionally, Webster Bank has various other subsidiaries that are not significant to the consolidated Company.
Advisors' Opinion:- [By Rich Duprey]
Business and consumer banking concern�Webster Financial� (NYSE: WBS ) �announced yesterday that its board of directors has approved increasing its quarterly dividend by 50%, from�$0.10 per share to�$0.15 per share.�The new, higher payment�will be made on May 20 to stockholders of record as of May 6.
- [By Marc Bastow]
Bank holding and financial company Webster Bank (WBS) raised its quarterly dividend 33% to 20 cents per share payable June 16 to shareholders of record June 2.
WBS Dividend Yield: 2.63%
Top 10 Quality Stocks To Watch For 2014: Beamz Interactive Inc (BZIC)
Beamz Interactive, Inc., incorporated on May 25, 2001, develops an interactive laser controller technology that can be used in a range of music, game, therapy, education, senior care, lighting and consumer applications. The Company�� commercial products include Beamz Player and Beamz Pro. By connecting the Beamz Player to a personal computer (PC) and installing the included software, the user can play a range of digitized musical instruments by simply interrupting one or more laser beams with their hands, thereby creating great music in conjunction with a background rhythm track of original, popular, disc jockey (DJ) and children�� songs across numerous music genres (including Jazz, Blues, Hip Hop, Rock, Classical, Latin). In each song the user can select up to 12 different instruments, music clips and sound effects that are paired with a background rhythm track, amounting to hundreds of instruments to choose from across all songs in the Beamz music library.
BeamzPlayer software makes it easy to make great sounding music in minutes by following the diagram of the Beamz Player on the screen of the attached computer, which allows the user to identify which laser beam controls different instruments. Beamz songs are set up to be regardless of how they are played and the music samples assigned to a laser beam offer more complexity, often with several notes, chords and/or series of music samples controlled by touching one of the laser beams. The Company has commercialized several products that use the Beamz interactive laser controller technology for music making and music-controller related products. These products are interactive music systems that combine laser controller hardware and various versions of interactive music software, including mapping software applications that enable the Beamz laser controller hardware to be used with software applications offered by other companies relating to mixing/DJ, lighting controls and music creation/production applications.
The Com! pany�� hardware product offering consists of three product lines: the Beamz Player consumer product family, the Beamz DJ and Beamz Pro product family, and the Beamz Education, Special Needs, and Physical Rehabilitation product family (Beamz Products). The Beamz Player and Beamz Pro hardware may also be used as a general laser controller for many other purposes, such as lighting, games, music production, and other applications.
Advisors' Opinion:- [By Peter Graham]
Small cap stocks Beamz Interactive Inc (OTCBB: BZIC), EHouse Global (OTCBB: EHOS) and Winning Brands Corporation (OTCMKTS: WNBD) were all heading in different directions at the end of last week with the first small cap surging 49.94% while the other two sank 31.28% and 25.32%, respectively, on Friday. Moreover, all three small cap stocks are already heading in different directions again this morning. So where should investors and traders place their bets? Here is a closer look at all three small cap stocks:
Top 10 Quality Stocks To Watch For 2014: Therapeutic Solutions International Inc (TSOI)
Therapeutic Solutions International, Inc., formerly Friendly Auto Dealers, Inc., incorporated on August 6, 2007, is a development-stage company. The Company is focused in establishing itself as a specialized brand promotional merchandising company. It would identify a range of casual apparel and consumer products that can be manufactured and resold with the product endorsement of corporate logos. In April 2011, the Company acquired Splint Decisions Inc.
The Company concentrates its efforts in the People�� Republic of China and its retail automotive industry. As of December 31, 2009, the Company had no operations and had not generated any revenues.
Advisors' Opinion:- [By Peter Graham]
Small cap medical device or biotech related stocks Therapeutic Solutions International Inc (OTCMKTS: TSOI), diaDexus, Inc (OTCMKTS: DDXS) and Spherix Inc (NASDAQ: SPEX) have been getting some attention lately in various investment newsletters with the good news being that it appears none are the subject of paid promotions from stock promoters. So why are these three stocks all of a sudden getting some attention and what else do you need to know about them before you make a short or a long term bet on one? Here is a closer look at the whole picture and what you might be missing:
Top 10 Quality Stocks To Watch For 2014: Guggenheim Enhanced Equity Income Fund (GPM)
Old Mutual/Claymore Long-Short Fund (the Fund) is a diversified, closed-end management investment company. The Fund�� primary investment objective is to provide a high level of current income and current gains. The Fund�� secondary investment objective is to provide long-term capital appreciation. The Fund invests in a portfolio of equity securities and by selling securities short in the S&P 500 Index that it believes will under perform relative to the average stock in the S&P 500. The Fund will also write (sell) call options on equity indexes and, to a lesser extent, on individual securities held in the Fund�� portfolio.
The Fund�� investment adviser is Claymore Advisors, LLC. Analytic Investors, Inc. (Analytic) is the Fund�� sub-adviser. It invests in various sectors, including financials, information technology, industrials, healthcare, consumer discretionary, consumer staples, energy, materials, utilities and telecommunications.
Advisors' Opinion:- [By Chuck Carnevale]
Next, I turned to an evaluation of gross profit margin (gpm), net profit margin (npm), return on assets (roa), return on equity (roe) and return on invested capital (roi). The example below only includes gross and net profit margin, however, I review data on all the metrics stated above.
Top 10 Quality Stocks To Watch For 2014: Quanta Resources Inc (QR)
Quanta Resources Inc. (Quanta), formerly T S Telecom Ltd., is a Canada-based mineral exploration company. The Company focuses on acquiring, exploring and developing of mineral properties. The Company has been seeking and reviewing exploration opportunities in Canada and other parts of the world. The Company's property included White Pelican Property. The White Pelican Property lies in the Cariboo Mining Division and consists of 13 mining claims totaling approximately 5,994 hectares. As of March 31, 2012, the Company had no revenues. Advisors' Opinion:- [By Chuck Carnevale]
Next, I run graphs on liquidity ratios and additional data on various valuation ratios to include price to book value (pb), price to cash flow (pcfl), price to free cash flow (pfcfl) and others that can be seen as options on the navigation bar to the left of the sample graph which only plots the current ratio (cr), a quick ratio (qr) and for those diehards concerned with volatility [size=11.0pt;line-height:115%; font-family:"Calibri","sans-serif";mso-ascii-theme-font:minor-latin;mso-fareast-font-family: Calibri;mso-fareast-theme-font:minor-latin;mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman";mso-bidi-theme-font:minor-bidi; mso-ansi-language:EN-US;mso-fareast-language:EN-US;mso-bidi-language:AR-SA">��/p>
Top 10 Quality Stocks To Watch For 2014: Royale Energy Inc.(ROYL)
Royale Energy, Inc. operates as an independent oil and natural gas producer in the United States. It engages in the production and sale of oil and natural gas; acquisition of oil and gas lease interests and proved reserves; drilling of exploratory and development wells; and sale of working interests in wells to be drilled. The company also owns wells and leases located principally in the Sacramento Basin and San Joaquin Basin in California, as well as in Utah, Texas, and Louisiana. In addition, it holds proved developed producing reserves of oil and natural gas in Texas and Louisiana. As of December 31, 2009, Royale Energy operated 52 natural gas wells in California; owned and operated 7 natural gas wells in Utah; and had non operating interests in 17 oil and gas wells in Texas, 3 in Oklahoma, 1 in California, and 2 in Louisiana. It also had proved developed reserves of 4,563 MMcf and total proved reserves of 4,617 MMcf of natural gas; and proved developed oil reserves of 16 Mbbl and total proved oil reserves of 16 Mbbl. The company was founded in 1986 and is based in San Diego, California.
Advisors' Opinion:- [By James E. Brumley]
With nothing more than a passing glance at Royale Energy, Inc. (NASDAQ:ROYL), it would be easy to dismiss it as just another volatile small caps... one of many small cap stocks that gets a little squirrelly every now and then. The longer you study the chart of ROYL, however, the clearer it becomes... this chart looks like it's coming out of a slightly bearish lull and working its way into an uptrends.
- [By James E. Brumley]
Does the name Royale Energy, Inc. (NASDAQ:ROYL) ring a bell? If you're a regular reader of the Small Cap Network site or newsletter, it might. Back on February 3rd, yours truly penned some bullish thoughts on the way ROYL was acting at the time. Given what we had seen up until that time, though Royale Energy had not yet begun to rally, the stock was getting within reach of a monster-sized breakout. Well, that breakout may be underway as of today.
Top 10 Quality Stocks To Watch For 2014: Nintendo Co Ltd (NTDOF)
Nintendo Co., Ltd. is mainly engaged in the development, manufacture and sale of entertainment products in home entertainment field. The Company's main products include leisure machines such as portable and console game machines and software, as well as trump and Carta (Japanese-style playing cards). As of March 31, 2013, the Company had 29 subsidiaries and five associated companies. Advisors' Opinion:- [By MARKETWATCH]
LOS ANGELES (MarketWatch) -- Stocks in Japan started with losses Friday, the final session before the release of the closely watched U.S. jobs report later in the day. The Nikkei Stock Average (JP:NIK) shed 0.3% to 15,836.37, as the yen edged higher against the U.S. dollar overnight, and the broader Topix gave up 0.5%. Tech issues were mostly lower, including a 3.3% pullback in Trend Micro Inc. (JP:4704) (TMICY) , and a 2.7% decline in Nintendo Co. (JP:7974) (NTDOF) . Nintendo shares rallied Thursday after China temporarily lifted a ban on manufacturing and selling video game consoles within in the country. But among Friday's best performers were shares of Fast Retailing Co. (JP:9983) (FRCOF) , up 4.4% after the company posted a nearly 9% rise in its fiscal first-quarter net profit to 楼41.85 billion ($399 million). Sales were driven by a nearly 80% gain in Fast Retailing's overseas sales at Uniqlo stores.
- [By MARKETWATCH]
LOS ANGELES (MarketWatch) -- Japanese stocks weakened in early Thursday trading as the yen rose and Wall Street ended mixed, with the Nikkei Stock Average (JP:NIK) falling 1.2% to 15,929.74 after a 1.9% advance a day earlier. With the yen (USDJPY) slightly firmer than in the previous session, some investors sold currency-sensitive exporters, with Fanuc Corp. (JP:6954) (FANUF) down 2%, Kyocera Corp. (JP:6971) (KYOCF) off 1.9%, and Fujitsu Ltd. (JP:6702) (FJTSY) losing 2.3%. News that China would lift a ban on some sales of videogame consoles had sent shares of Nintendo Co. (JP:7974) (NTDOF) shooting 11% higher on Wednesday, but apparent profit-taking sent the stock down 4.2% in early Thursday action. Shares of rival Sony Corp. (JP:6758) (SNE) , however, followed with a 4% rise, also possibly buoyed by a Nikkei Asian Review report that it was planning a "smartphone offensive" in the U.S. and China. Canon Inc. (JP:7751) (CAJ) fell 2% on a separate Nikkei report that the company's 2013 operating profit would miss forecasts. Toshiba Corp. (JP:6502) (TOSYY)
- [By Parija Kavilanz]
The retailer said the service will accept unlimited number of games for popular consoles, including Sony (SNE) Playstation, Nintendo (NTDOF)'s Wii and Microsoft's XBOX as long as they aren't damaged and are in their original packaging.
- [By Alanna Petroff]
The downgrade comes in the same month that Nintendo (NTDOF) warned investors that it was expecting an operating loss of 35 billion yen ($335.2 million) for the fiscal year ending in March, following disappointing software and hardware sales in the busy end-of-year buying season.
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