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$OZK will probably explode very soon, their revenue share and bridging are best on the market
The Commercial Real Estate Bubble Has Finally Burst | PacWest and Blackstone are not the only ones who are in trouble.
Is IntraFi Heading Towards Peril, Thus the Financial System?
Bank OZK Q4 earnings exceed consensus as interest rates boost NII (NASDAQ:OZK)
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As this piece has been divisive , thought I’d share another piece by Ben Thompson that rebuts’s a few points in the Citrini piece https://stratechery.com/2026/another-viral-ai-doomer-article-the-fundamental-error-doordashs-ai-advantages/?access_token=eyJhbGciOiJSUzI1NiIsImtpZCI6InN0cmF0ZWNoZXJ5LnBhc3Nwb3J0Lm9ubGluZSIsInR5cCI6IkpXVCJ9.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.YfCVwDBPe6Mh--3hWUlNnfZcL9EvhCMnGSYpwmX6s_2ITD-_44DusKoV3jM-loyegp2UJ8xusWmRzLAPHY-bGyR6rCcFGxnNAlWipbTBFiO3yJfAf9SimiWqeQ_pq0v-w7OZK8KHsTEQSl5gs8EIsyvOUW7YdUcL_IgOLb7llsjSHi0OPaEOuUYUUq_mlpGLOviQwjSwca_BXMcoG1RTKsxsPBfwy-93gpd0EVJwnqZnae0r7h0ktJ28Fh0Zj1DXH0k90puCLE4R5FV0xCisAJVDiO0Pw4XcrOOiaYaxoPXkByBR9KunIObszbz0c2awaG25P5aCD3_fdBGh5NJ6tQ
I lost my lunch shorting OZK back in the day.
OZK, RF, FITB or CFG? Scoping out regional bank stocks to ride the rate cuts.
Here’s 2 examples from Grok with this method: 10 Stocks That Correlate with the Formula 1. Bank OZK (OZK) • Industry: Regional Banks • 5-yr Net Income CAGR: ~7% (based on steady EPS growth and strong loan/deposit growth) • Dividend Yield: ~2.5% (based on $0.41 quarterly dividend, annualized to ~$1.64 at a share price of ~$65) • Net Buyback Yield: ~1% (estimated from recent share repurchasing activity, though not explicitly quantified in sources) • Base IRR Estimate: ~7% + 2.5% + 1% = 10.5% • Why It Fits: Bank OZK has a 30-year history of dividend increases and a low payout ratio of 26.9%, indicating room for further dividend and buyback growth. Its 15% loan growth and 20% deposit growth in Q3 2024 support strong net income growth, making it a solid candidate for the formula. 2. Genuine Parts Company (GPC) • Industry: Automotive/Industrial Parts • 5-yr Net Income CAGR: ~5% (based on revenue growth and EPS trends, despite a Q3 2024 net income dip) • Dividend Yield: ~2.9% (based on $1.00 quarterly dividend, annualized to ~$4.00 at a share price of ~$138) • Net Buyback Yield: ~1.5% (estimated from ongoing share repurchases, contributing to shareholder yield) • Base IRR Estimate: ~5% + 2.9% + 1.5% = 9.4% • Why It Fits: With 68 years of consecutive dividend increases and a 49.7% payout ratio, GPC is a Dividend King with a stable business model. Its global auto parts network supports consistent earnings, and share buybacks enhance shareholder value, aligning with the formula.
Puts on OZK. No one refinancing commercial real estate at 8%
I bough OZK puts their 70% commercial real-estate portfolio looks rip to crash
I bough July 18th OZK 35 puts for when they collapse
Put on OZK. Way to much commercial realistate
Let’s see a bank run on OZK with their 65% commercial real estate portfolio. And they’ll get squeezed by this ratings downgrade.
There's no trade brother, not unless the absolute top level people decide to push junk bonds onto national banks not part of the big boys table and let them die on purpose. Because just like 2008, they all know what's happening and it's crime all over, but the administration and the Feds refuse to let the sky fall. I'm not THAT terminally online, but online enough that I remember seeing you post since at least 2022. You should remember the Q1 2023 bank run; people found the SVB short play because those idiots loaned money to FTX. Their collapse led to a bank run hunting, that's when CMBS came into the spotlight. FRC collapse was suppose to be the first of many, and was suppose to cause an '08 level recession. But they just dissected the assets(aka the toxic debt problem) and have different banks each take one part of the asset to equally share the problem and made it all disappear. I'm guessing with the recent renewed interest in CMBS again, we may or may not see at least one bank get pushed out to be the scapegoat for the year. [Check the latest list for banks with most CMBS exposure](https://www.americanbanker.com/list/20-u-s-banks-with-the-largest-commercial-real-estate-loan-volume), then focus only on the national banks because they have the least amount of ways to escape from bank runs(no foreign assets for them to draw from). EWBC and OZK almost got pulled down by FRC crash, who knows if they can survive this time round when their names are on the list.
Ares Capital Pfizer TotalEnergies Canadian National Resources Bank of Nova Scotia Rio Tinto EOG Resources Komatsu OZK Bank
Bank OZK going under. 4/17 puts.
Bank Ozark $OZK Highest exposure to construction loans, high exposure to bank runs. Run by a bunch of old farts from Arkansas. It’s the next bank to fail.
[https://www.americanbanker.com/list/20-u-s-banks-with-the-largest-commercial-real-estate-loan-volume](https://www.americanbanker.com/list/20-u-s-banks-with-the-largest-commercial-real-estate-loan-volume) If this list is accurate, looks like FLG and VLY both have around 40% of their total assets in commercial real estate loans... OZK upward of 55%. FLG already having a tough year. Could be worth a flier.
Coming back to this thread after doing some work b/c as the comments suggest it feels like a fools play. But there are some banks such as Valley National Bank, Hope Bank, and Bank OZK where CRE loans as a percentage of total loans jumps out at you. If there is truly something like 2 trillion of CRE debt floating around there, how can you ignore this? These percentages were calculated using the banks most recent 10K filed in 2024 for year 2023. I am not a banker so I have questions about some of these numbers and won't pretend to know what it all means. **Valley National Bank** * CRE exposure to total loans: 64.3% * Net loan charge-off .13%. * Net loan charge-offs increased $42.9 million to $62.0 million in 2023 as compared to $19.1 million in 2022. * CRE charge offs increased by 346% from 2022 to 2023. \*CRE charge offs increasing by 346% in a year?? That can't be good. What I don't understand is how the percentage of total loans charged off as a loss by default is only .13% — which is great for a bank. Can it be they aren't realizing a significant amount of their losses? This is where I get hesitant to make a bet. **Bank OZK** * Net charge offs .13%, up from .04% last year ... again very low but a decent jump from year before * CRE 72% of total loans * "Any unexpected deterioration in the credit quality of our commercial real estate loan portfolio would require us to increase our provision for credit losses, which would reduce our profitability and could materially adversely affect our business, financial condition, results of operations and prospects. In addition, the collateral securing these loans typically cannot be liquidated as easily as residential real estate. If we foreclose on these loans, our holding period for the collateral typically is longer than residential properties because there are fewer potential purchasers of the collateral." * \^This is directly from their form 10K. They are telling us the risks, but when will this materialize? **Hope Bank** * CRE 64% of total loans * .22% net loan charge offs up from .08% recovery last year (another decent jump) Anyone with more knowledge have any feedback? I didn't dig into treasury holdings for these banks because I feel it's pointless to try and predict a run on banks. That being said, the FED has delayed cutting rates for a while now. First it was a call for a March rate cut 2024.. that didn't happen. Then they wanted a cut for June and July meetings... didn't happen. Here we are in September and they want a 50bps cut. Rates have been higher for longer and a further delay of cuts/bounce in inflation is not off the table.
Ha! Well, I did make a little coin on those puts last year, but steering clear of that one now. Actually looks like they’ve MAYBE pulled it off, enough to merge/get acquired reasonably anyway. OZK, FNB, RF, and KEY look shaky, options chains are nearly illiquid, though. TFC, ZION, BOKF, possibly. KRE has too many quality names that SKRE is tough play. Other than just steering clear, haven’t come up with a solid short, but feel like I should have by now, lol.
This is the way. Look for mid sized regionals as well, they probably shit the bed even worse than Truist. OZK, KEY, RF, many others. I’m short KRE also.
This stock just makes me pissed. Analyst doesn't like their downtown San Diego office loan so he comes out and says "the sky is falling there is no tenant!" There's no tenant b/c the developer is asking way too much, they come down a little bit it'll lease in an instant. OZK only has exposure to the last 40% of the project, the brand new office would have to be worth less than $530 a square foot for them to lose even a penny in the worst case scenario. Even shit offices in SD are worth $750 a square foot. CRE was supposed to be a disaster because of covid. Then that ended. Then CRE was a disaster because "nobody came back to work". Now it's 4 years after covid, and CRE isn't doing the greatest in history but it's nowhere near levels that could or would hurt the experts at OZK, which weathered 08 perfectly. Then SVB and FRC happened. Neither of those had anything to do with CRE but the media still talked about it. NYCB was fucked bc they went for Signature and loaned too much in Manhattan, not CRE. The CRE doomsday is a fucking joke, buy some gold and guns and confess your sins as Jesus will rise before CRE fucks OZK.
While I am sure this one falls, I was worried about the liquidity in that options chain. Like very little open interest up and down the board, so if FULT falls below 12 as it probably will, you might not love the fill you’re able to get. OZK is slightly better, but not a ton, I have several $35 puts for August and a few $40P. OZK is widely considered one of the riskiest CRE lenders in the country. With deposits draining from regionals, fee income being cut by CFPB regulation on overdrafts, and rate resets already happening on CRE that will double or worse interest costs to the borrowers…this will be harder on the sector than last year, because it’s way more widespread than a few bad securities portfolios on banks with high deposit balances per customer. These regionals are paying way up for hot money as core deposit balances drain. I suspect we’ll see more consolidation as a percentage of total bank charters than the financial crisis, both by m&a and by fdic assisted failures. Unless rates come down fast, this will be a wild ride. I’ve got 10 $45 KRE 1/17/25 puts, a few lotto $38 puts, and have shorted a few other tickers like OZK with liquid chains. Have also been acquiring shares of SKRE.
iirc, OZK only finances high end CRE construction loans, and is regarded as a well run company. to my knowledge, they don't loan to CRE owners, and don't face interest rate or credit risk.
OZK puts, commercial real estate exposure is going to cook some banks before year end
I know a few people with OZK CRE loans, and based solely on them, agree.
Have a look at AX and even ZION, there are a few banks that are loaded with cre risk, and analysts are just starting to probe into it more now. I agree that OZK is going to see a reckoning as this gets more attention, but I doubt they go fully under. Still, they could all be substantially lower than their current market values within 2 years.
Short $OZK. Stock sank 10% not too long ago off a BoA downgrade to SELL. What regional bank stocks out there have a SELL rating? Only this one from what I could find.
Citi commenting on $OZK (large-ish regional bank 77% in CRE loans): "**The two projects together account for 3.8% of Bank OZK's non-purchased loans and are more than 8.1 times larger than its allowance for credit losses for construction loans, Citi said.** A spokesperson for the bank did not immediately respond to a request for comment. **The bank has sizable exposure to CRE. Real estate loans accounted for nearly 77% of its total loan book, as of March 31.**" the stock fell -14% in a day, and is well known for its 'quarterly dividend hikes'. The bank has a low payout ratio but the fact it has loses potentially 8.1x larger than its allowance is scary as hell.
Bump this… how is the shit not hitting the fan yet with Bank OZK
Big banks that lend to CRE developers / owners. Bank OZK for example was downgraded in the last couple of days based on this insight from Kashkari
Anyone know why $OZK is down?
bank OZK is study down here in the south
KRE puts? Maybe OZK puts
OZK the goat of consistent div growth
You could not be more wrong. Bank OZK’s CRE loan portfolio is mostly construction loans on CRE developments in the northeast and the sunbelt. The outstanding balance and unfunded commitments on that portfolio was over 300% of their Tier 1 capital at the end of 2023.
Almost got a job at OZK but then they realized I was a fuckin degen from upstate
should've inversed OZK guy 😔
Bank Ozark crushed OZK 
Bought a 40p on OZK since banks aren't having the best time right now. Maybe they'll get crushed or I get hit with the IV crush tomorrow morning
Who was the guy shorting bank stocks due to CRE exposure? Anyone short/puts for Bank OZK earnings tomorrow ?
$23 billion in assets that OZK, formerly known as Bank of the Ozarks, has methodically accumulated over five decades,
big fan of OZK and OZKAP, the areas they lend in are growing in population a lot, i also hear from locals that the owner loved handing out business loans in the banks infancy
Opinions on OZK? Regional bank that specializes in commercial real estate(specifically offices, Retail and hotels). Seems too good to be true but I could make bank if their earnings come out and they're the next NYCB. Seems too good to be true tho...
OZK. I've been looking around and it looks like they have A LOT of exposure to the worst forms of CRE(Office, retail and hotel). IDK tho gotta do more digging
Recently unblew up my account from lotto puts. Looking at either calls or puts on nflx next week and puts on OZK. Going to be doing deep dives into both over the weekend tho
Pick for me. NFLX calls or OZK puts earnings next week?(OZK or Bank of Ozark is a regional bank with high exposure to commercial real estate)
Disagree especially for OZK. Low IV and hardly any bears. But you are right about most of the more obvious names are
Bank OZK def going down
What did you scrape to find the specific OZK loans? I Want to do a similar assessment for WAL.
Solid list. Thanks for sharing. I’ve had small put positions on CFG and OZK with June Expiry. I guess we’ll see how things unfold.
Oh and as for OP's "risky loans" they are all bullshit and none are at risk of default. #4 is OZK's new HQ lol. This guy is really grasping
I'm long over 10k shares OZK. None of this post's DD is founded in any fact. OZK is exposed to construction and CRE because that's what they specialize in, they're experts in the space. CEO George Gleason is the most competent banker in the industry, he literally built this $5 billion business from a single branch in backcountry Arkansas. These guys are cautious, they only put up the second half of the money for risky loans and make developers put up the first half to get things started. As for the riskiness of CRE, these guys love it. Their revenues grew by double digits last year and EPS INCREASED from the 1.20s/quarter to 1.50/quarter as other banks shied away from CRE. NIM compression has stopped here too and their NIM is huge in the upper 4%s (outstanding). This is not a bank, it's a growth stock, and it's priced like deep value right now. Loan loss provisions didn't even increase for all of 2023 despite the "bank panic" and NYCB has nothing to do with this (they're exposed to a totally different region and type of real estate. Look at the REITs in the Sunbelt, everything is a-ok). Short it and buy your puts if you want, I'm patient. "Bad times" only mean good times for OZK as they hoover up more market share and scale to the next level. See you on the other side gay bears keep the stick out of your ass.
Great post OP! But like others have mentioned, what positions? I kind of like a 4/12 $35p for OZK.
Wow you picked the wrong regional bank. Have you seen OZK's EPS and revenue growth throughout 2023? These guys thrive when other banks panic and shy away from CRE. OZK is basically the greatest growth opportunity in regionals rn and has been my core position since $42. Their management is super competent, just look up George Gleason. Short something else or the KRE.
if you want to bet against regional banking in general, KRE. If you want a couple specific ones that might have tough times ahead: VLY, and OZK
4 banks with the highest commercial real estate exposure: ~~NYCB: 477%~~, VLY: 472%, COLB: 323%, OZK 345% NYCB is joining the other banks in bank heaven. Who is next off that list?
4 banks with the highest commercial real estate exposure: ~~NYCB: 477%~~ ALREADY FUCKED AND GOING TO 0 VLY: 472% STILL MEAT ONE THE BONE COLB: 323% STILL MEAT ONE THE BONE OZK: 345% STILL MEAT ONE THE BONE All of them have options. You're welcome.
Bank OZK seems to be in a worse position, it has a 200% construction concentration ratio, which is too high to meet FDIC requirements
VLY, COLB, OZK, SFNC, take ur pick.
Here is the list according to a recent Barron's article on the topic: Many names are the same as when we looked a year ago, including Valley National Bancorp _, Bank OZK, and Washington Federal parent WaFd. One of last year’s heavy lenders, PacWest Bancorp, left the list as it was pressed into a merger. Others landed on the list of concentrated lenders because of a merger. And then there is Merchants Bancorp _, which blames high interest rates for keeping more loans on its books, as borrowers postpone fixed-rate refinancing
I think the recession exists it’s just in commercial real estate, everything else is a bull market. If you want to make money in 2024, mark my words. Calls on semiconductor, and AI tech, puts on banks high % of total assets in CRE (NYCB VLY OZK to name a few)
Might wanna short some mortgage REITs with CRE exposure. Being short GPMT has been printing. Delinquent loans keep increasing. Not a mortgage REIT but HPP too. Holding KRE puts too but no way I’m shorting OZK, I’m a buyer sub-40, already holding OZKAP from when they dipped.
$NYCB is already dead. $COLB, WAFD are regional Bank toss ups. They may fail or maybe not. $PPBI would be a good put play over the next 3-4 weeks. It's down >1.5$ in a week. $OZK looks solid even though it's more volatile than a typical bank stock. $AX is doing well. Have no idea what you're on a out with this one. $VLY is slowly dying. But not enough volatility to make Any crazy swings on it.
Jam knows what’s happening with NYCB VLY COLB OZK WAFD AX PPBI
But maybe I should wait until OZK's Q2 earnings release?
Shorting this badboy... OZK ​ https://preview.redd.it/ms53sdou3fjc1.png?width=550&format=png&auto=webp&s=a651d45c0354df64175db32d077a9168709249e9
Right on, any banks you recommend? Watching NYCB, OZK and COLB but if you've got others in all ears. Also, I am a huge mangosteen fan as well.
Long puts on KRE, OZK, and VLY, yet these ’s keep going up…
If you are a rich boi and want a long dated okay, short OZK. Regional bank that is mainly new York City commercial property lol they are soooooooo fucked
[Totes](https://crsreports.congress.gov/product/pdf/IN/IN12278) Regional banks with highest CRE NYCB VLY COLB OZK WAFD PPBI BCI AX
Short OZK. I sell into them and they are clowns.
What’s everyone’s thoughts on bank OZK
My bad guys, bought puts on OZK
COLB and OZK seem like they had mild declines, so may will have room for some puts to print. VLY is at a 6 month low. May bounce back a few times before it actually crashes.
Yikes, Bank OZK is a big deal in the mid south. I’ve met the guy that started the bank before and he seemed to enjoy providing easy money for helping businesses expand, and I imagine much of that is real estate expansion.
Short VLY, COLB, OZK All banks with high commercial real estate concentration: https://www.reuters.com/markets/us/us-regional-lenders-commercial-real-estate-exposure-spotlight-after-carnage-2024-02-05/ Highest is NYCB, but thats already down the gutter.
Thanks, neat! Even has NYCB at the very top. Short VLY, COLB, OZK according to the list. Bank Assets CRE concentration ratio as of Q3 2023 Construction concentration ratio as of Q3 2023 New York Community Bancorp's (NYCB.N) subsidiary, Flagstar Bank $116.3 bln 477% 30% Valley National Bancorp (VLY.O) $61.18 bln 472% 66% Columbia Banking Systems' (COLB.O) Umpqua Bank $52.17 bln 323% 58% Bank OZK (OZK.O) $34.24 bln 345% 200% City National Bank of Florida $26.14 bln 310% 46% BCI Financial Group $26.05 bln 309% 46% WaFd (WAFD.O) subsidiary, Washington Federal Bank $22.64 bln 371% 113% Axos Financial (AX.N) $20.83 bln 356% 135% Pacific Premier Bancorp (PPBI.O) $20.28 bln 312% 17% Independent Bank Corp $19.37 bln 302%
I believe Live Oak Bank has the most and Bank OZK is second.
I really like financials because, unlike a mining company, you actually don't need to look at it's *financials* until much, much later. They're qualitative investments usually (well when they're good). All banks do banking "stuff" but every bank large enough to be publicly traded (as opposed to say a community bank with say 500 million AUM only) has some kind of goat. That is to say they specialize in a specific kind of loan/credit (though they'll still do the others to a lesser degree). Examples: Capital One specializes in credit cards/consumer credit (auto loans too), Ally Financial is very heavily cars, Wells Fargo used to be all mortgage and is now no mortgages at all. Citi is almost all wealth management and international commerce + credit cards, SoFi specializes in Student Loans, OZK specializes in commercial real estate relating to advertising. You need to learn how that particular kind of consumer credit or loan book works in order to understand the bank. Banks can have spectacular earnings for a short period of time if their risk management skews harder into risk, and then they can rapidly come back down to the earth if something happens with their loan book. Citi pre-2008 is a great example of this - they were super wrapped into the MBS fiasco, but prior to the whole house of cards falling apart they were showing incredible earnings + growth. For the numbers (again this is mostly not research I do and more a filter for looking more once I figure out what their loan book is primarily and I feel comfortable with it). Book and Tangible Book value relative to price. In the USA, most banks trade near to their book value + or minus a certain discount or bonus - it depends on what wall street generally thinks of the bank. You can track this over long periods of time (I'd say the last 7 or so is a good indication). Usually the bank stock wont deviate (excepting March of last year) a certain discount or bonus to their own book value/tangible book value. If the bank is trading outside of its "historical" range, then I'm interested. If they're able to grow book value reliably over a long period of time and their debt isn't toxic, then I'm interested too. ROE is then the next best metric - because that's telling you how effectively the bank's leadership team is allocating capital. I like for it to be over or at 10% per year on a pretty consistent basis (it can dip lower in special scenarios). Your bank above is trading near to book value and its leadership is not efficiently allocating capital. Their NIM is also very low - that's not important unless they're \*primarily\* a holder of deposits and are especially conservative with their capital (that's possible given the very low ROE). So, unless it's a fintech in a developing nation that is really popular with consumers - with goals to engage in some kind of more profitable lending in the future once it grows sufficiently large - it's not interesting.
straddled OZK earnings and it doesn't move AMA
OZK calls 
ok, I do like OZK. Have traded it a bit this past year. But selling puts at this level to me is not the best option. It just had a big run up from 42 to 49. Why not wait for it to come back? For me, I wouldn't consider any puts until I could get a good return selling the 30P. Keep in mind that at 40, the stock only has a 3.7% div yield. You can get a lot more in short term treasuries or CDs right now on a yield basis with no downside risk.
Sorry, here is some examples OZK a bank dividend aristocrat 1/17/24 $40 strike with margin is 40% return at the mid point between the bid and ask. ABR 1/17/24 $10 strike is 54% return for one year on margin KR 1/17/24 $40 strike for the mid is 33% return for one year. There are others maybe not all quite 50% return. I’m looking into pretty solid companies not speculative ones.
I’m doing mostly naked puts thetagang stuff small conservative but 20% apy. Currently have puts on safer things KR, OXY, CVX and write puts after a big drop post earnings ADP, NKE. (2/16/24) I’m going to do an 112 on IWM (put debit spread with two naked otm puts). Baba burned me and I sold at the bottom. I won’t hop back in. I have Brkb and like to write puts at what I think their buy price is for the holdings are ie OXY at $55, KR at $40. Looking also at AXP. I have 200 shares of SoFi and will probably write another few puts 2/16/24 $6. Nee and Nep are my utilities play. Not much premium but OZK is the bank i wish I got back at $30 when it was trading below book. Ally is another that might be of interest for you earnings 1/19/24 maybe long iron condor? Thanks for the inspiration of the big play on SoFi. I should probably be a little less conservative.
Picked up 1000 of ENVX plus OZK puts for December
I'm gonna short the shirt, shoes and underwear off of OZK. It's overlegerged in commercial NYC real estate
Downgrades | Review for Downgrades | Negative Outlooks ---|---|---- M&T Bank | Cullen/Frost | Simmons First National Webster Financial | Bank of New York Mellon | Fifth Third BOK Financial | U.S. Bancorp | F.N.B Corp. Fulton Financial | Truist | Citizens Financial Pinnacle Financial | State Street | Huntington Bancshares Old National | Northern Trust | PNC Prosperity Bancshares | | Regions Financial Amarillo National | | Cadence Bank Associated Banc-Corp | | Ally Financial Commerce Bancshares | | Bank OZK | | Capital One
Moody’s Investors Service lowered credit ratings for 10 small and midsize US banks and said it may downgrade major lenders Moody's Downgrades: Capital One PNC Fifth Third Huntington Bancshares Citizens Financial Regions Financial Ally Bank OZK Potential Downgrade: Bank of New York Mellon US Bancorp State Street Truist
I don’t think all those banks on your list were actually downgraded. I think they were put on a “negative watch” list which means that they could be downgraded at some point. “Firms that had ratings cut included M&T Bank Corp., Webster Financial Corp., BOK Financial Corp., Old National Bancorp, Pinnacle Financial Partners Inc., and Fulton Financial Corp. Northern Trust Co. and Cullen/Frost Bankers Inc. are also under review for downgrades.” “And Moody’s adopted a “negative” outlook for 11 lenders including PNC Financial Services Group, Capital One Financial Corp., Citizens Financial Group Inc., Fifth Third Bancorp, Regions Financial Corp., Ally Financial Inc., Bank OZK and Huntington Bancshares Inc.”
Moody's Downgrades: * Capital One * PNC * Fifth Third * Huntington Bancshares * Citizens Financial * Regions Financial * Ally * Bank OZK Moody's Review for Potential Downgrade: * Bank of New York Mellon * US Bancorp * State Street * Truist