HTLF is definitely improving -better earnings trend this quarter and its loan losses are not bad. On the other hand it now sells for over book and at a huge multiple of earnings.



Take a look at UWBK its thinly traded and below the radar so has not benefited from the better economy however it will show good earnings tomorrow.

Its located on the Colorado Front Range already coming back from recession and projected, along with the South Texas Coast, to be one of the best areas of the future.

It sells at $7.90 book after gain reported tomw over $16