You know the problem with the big banks
Regulations. There's a lot of regulations on them, especially since the 2008 financial crisis
So if you want make good profits in the banking industry, you should look at the smaller banks
And today we'll look at the largest of the small banks
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so US bank operation US bank Oh
In the seventh largest bank in the United States by assessing the management
It has over 3,000 branches throughout the United States primarily in the Midwest. So the bank has limited the
Operations of assets. It's mostly a National Bank
The bank was founded in 1891 as the US National Bank of Portland in Portland
Oregon if you've actually went through multiple mergers until in 2001 it formed
The correct us Bangkok and it is headquartered in Minneapolis, Minnesota
It is currently the most popular back in the following states, Oregon, Idaho
I walk the Sioux and Kentucky so five states when it comes to national retail banking
the idea is West Fargo West Fargo is the most popular bank in 13th after the 50 states and
Then followed by Chase, which is part of JP Morgan Chase
Which is the most popular and six states and then we have the US bank operation
which is the most prevalent five of the 50 states, but
Most of the revenue of West Bank Co comes from the state of California, but of course in the state of, California
it has to compete against a big bank such as a
Transformer, which is headquartered in San Francisco, California
So in the Midwest we can say that this bank is dominating the industry
there because the big banks they don't want to be in small villages the
Big cities in diversity they want to be in China. They want to be nation rope out the world
Jeff colleges must build a building in China
I stole a the one in New York City my New Jersey that one went to China. He told is there so
They don't work with the small villagers little small towns
So that's we back such as us Banco and later like speak
I will talk about PNC Financial Services all these four days
They get five in these smaller cities in this small towns in these villages
Even though they both might know people are using banking just on mobile
Still most people when asked they want to have a branch in their town
Vertically or not really using it
They want to have the branch there in case of an emergency they want to use the back
So now let's no other business segments of the US Bank. Oh, they have five main business segments
And first one is corporate and commercial banking that's fifteen percent of our revenue
second largest consumer and business banking thirty four percent of revenue
Second third one wealth management and investment
Banking eleven percent of revenues for payment services twenty six percent of revenues fifth Treasury and corporate support
thirteen percent of revenue
So the first one to operated commercial banking this is financial services for middle or get large corporate commercial real estate
Consumer banking. This is what I talked about about the retail part of the business
Indoors and small cities this small town. This is what I know about cultural many beaches
Thirty-four percent of revenues. So most of this revenue comes from there
So these include go attend all the mobile
Observe the branches what management they have a private banking part of the business and also some investment knowledge, but it's very limited
Compared to Morgan Stanley walnut circuits limited, of course. They're also how proper rate services in this pyramid services
This is 36 percent of revenue
So what actually it means different services so they are one of the largest green card processors the night
There are different companies when it comes to different types of companies when it comes to great cars
They are the issue the processors there
I will talk to Lily about this because a company like you will take that Visa and American Express
They give the same disastrous cogs that actually is different things
Already that expresses more like a bank
Whereas visibly that's not really a bank. I need to make a
Separate video all this so I will make one on this later but first LS the bacteria's bank corporation
So the fifth part of the business I guess is strategy incorporate supposes an investment portfolio
Company because as it back they have invested in other companies in smaller been looking at these business segments
we can say that the risk with this business is because of the
Diversification and also the bet is less
Affected by the monies of Wall Street compared to other banks such as name or chase or more than socks
These bags are all mostly they are in New York City. They are even worse focus less affected because it's in front San Francisco and
Now this smaller base which has no business at all in New York City. Of course
with less
in 2008 the financial crisis the backward the semantics he commenced the big banks and
actually
It was profitable last year
Very few banks in the United States were perfectly but in 2008 and we all spent compose one of them now
Let's have a look at the fundamentals of the company
This is under stock parts of the 51 US dollars per share
The big issue is platform for the brass Prabhu is what could it for?
The returns on equity is 14 percent profit margins that three percent
Dividend yield to concede zero percent debt to equity ratio
0.92 and the current ratio
0.07 so it has quite a local investor and everything else am quite positive on
Dementors only the current issue
Is global and we will see this with the score remains the don't they don't need to keep so much cash
Ask the big ones because the gates of regulations the big bands
They need to keep cash now as a cash cash
And this is what the regulation says
because in theory if you think about the bag
They want to keep less money possible a bag doesn't wanna keep on they want to use the money
they want you to give loans they want to buy goods you want to
Exchange money make transactions because they make money from fees from interests little more to keep money
So the less money they want they can't get the Betances program and that's why you will see the smaller bag
They don't really have so much current ratio
They don't have so much cash imbalance on hand other correct price. It does for me
It's at the branch where I can buy this company
But I'm waiting for
make is
Robust because I'm also looking at other companies that are the bases small banks
So the problem with this one is that it's a little expensive. He will cost me
There is a premium to pay for this stock but considering your wish I will say that I'm able to pay this premium
So it's all my watch list start that I'm personally going to buy in the coming month. Let me know in the comments
What do you think about us Banco and about the other smaller banks? Which one is your favorite?
Thank you for watching this video
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