The balance sheet of co. are very healthy and margin expansion is concurring. I think that the statement is true if the stock first rise another 30% , then it will drops 25%. Fundamentallly, the bank stocks are so so cheap at around 10 pée , i do not see that it can occur in this year. The interest rate is too low at the bank, stock is still providing better return. As long as rate stay below 3.5% for 1 year, the liquidity will be OK.