i wouldnt touch this stock, after visiting some of their branches and the people working there, it is fair to say that they enjoy soda pop and snacks more than they care taking care of the customer. Management spends more time on the gold course then taking care of the company and issuing insiders share. the pe is around 60x which is ridicoulous for a bank and they are opening a few more branches. It seems they are more concenered with buying real estate then taking care of customers, especially loyal ones.. value of the this company is maybe 4 dollars and mf will soon release a strong sell on this shamble of a bank with a price target of 2.50. gs getting ready to down grade as well..