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  • losesomewinsome losesomewinsome Jan 9, 2004 11:42 AM Flag


    Quiet Board. Is anyone out there? Come back.

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    • i have some tmcv and expect this bank to do well. The only problem i see right now is the SBA limiting the amount that can be borrowed to $ 750,000 under the 7a program. TMCV earns most of its income through sale of the SBA loans that it makes.

    • Take a look at TMCV Temecula Valley
      Bank. Go back for the past 18 months and look at the growth in the bank and in the profits It is a real winner

    • WB, BNK

    • i'm here & hoping the co meets the amount shown under analyst est which is 39 cents compared to last yrs 34 cents or just comes close. 37 or 38 would be great! the co seems to have good mgt & time will tell if it's excellent mgt. if so/ this is one of the best bargains out there & i review numerous banks (1000) as well as owned (at one time) 50-70. most p.e. are between 14-25 times earnings & maybe not as good managed as this one is . remember in 2003 they were increasing earnings against 2002 & doing so with a big disavantage. i mean they had alot more shares in 2003 & that made their earnings not as high as it would of been if they were comparing the same amount of shares & they still did an excellent job. in 2004 they won't have this situation so they will compare the same amount of shares as 2003 & the bottom line will show this. they are absorbing a couple of added locs but during the yr this will further help help theirthem! the mgt seems very aggressive & wants to expand their operation. also the book value is very good. this might be a sleeper & a great buy. it will be interesting to see what the mgt has to say/ wish you luck!!!!!!!!!!!!!!!