This is a bigger issue than just this stock. It's the sector and the broader markets. Yes, there is a wait an see attitude from institutions who aren't adding....another quarter and that will likely change....but just look at all regionals and the financials in general. Money will eventually move out of safe keeping in precious metals and other holding places an in to this sector. Throw in a couple good quarters....and we are off to the races. If you are a day trader, hoping for a quick 20-30% in a week or less, then this may not be for you. If you are in heavy and long, then sit back and watch your investment turn over and over in the quarters and years to come.