What do you base this on ? The stock is selling at a 50% discount rougly to its all time high with earnings growth forcasted moving forward for three years . They have continued to write down and clean up the books in a conservative manner that will be rewarded going forward in economic recovery. TCB has a 10% short interest that needs to be coverred or interest and dividends must be paid while the stock climbs and there have been nearly 10 upgrades for forward earnings in March , and every quarter moving forward to 2014 . The stock is rated a buy at S & P and other conservative rating agencies . There are good stocks to buy with cash over shorting a regional bank that has always been able to capitalize on economic downturns . If they are to be critisized it would be because they haven't expanded into AZ , or gone for market share in Southern Growth States like KEY bank has but they have expanded their floor plan loan business agressively iin North America with a firm push to expand in Canada . Canada being resource rich is doing very well overall and this appears to be a very smart move . I think we will see coverring during this year as the stock sets in higher lows and highs reaping rewards for patient investors .