Dirt Cheap Banks
Community banks are the last bastion of cheap value in the public markets. I find dirt cheap banks and invest in size.
| Platform |  | Pricing | Freemium | Publishes | Daily |
|---|---|---|---|---|---|
| Issues | 70 | Founded | 7 months ago | Last Issue | 6 days ago |
| Active | |||||
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dirtcheapbanks.substack.comLatest Issues
The Strategy That Breaks at $10 Million
I have been trying to buy a $20 million market cap bank for months.
I own a few thousand shares. That’s it. Every time I put in an order, the stock moves against me. There is no volume. There is no natural seller. There is barely a market...
C&F Financial: The Discount Is Gone
A good 99-year-old Virginia bank that was worth owning at 0.9x book. At 1.19x, with the rate cycle turning against its balance sheet, it isn’t. $78–86 fair value.
This is not a short report. C&F Financial Corporation is a well-run, 99-year...
Lake Ridge Follow-Up: The Release Confirmed the Call Report Read, the Stock Kept Going, and You Can DRIP at Tangible Book
This is the fourth piece on Lake Ridge Bancorp (OTCQX: LRBI). Prior pieces: the February 2026 initial writeup at $127, the May 2026 Q1 update at $143, and the August 3 Q2 call report update
The earnings release confirmed our predictions
The Last Savings and Loan in Montana
A textbook thrift conversion that management has no intention of selling, and why that may be the opportunity
In April of this year, during an investor question-and-answer session promoting his bank’s stock offering, Phillip Willett was as...
Bank of Utica: Buying $218 Million of Stocks for $156 Million, and Getting a Bank for Free
A private owner’s appraisal of BKUTK
Bank of Utica is a single-branch commercial bank on Genesee Street in Utica, New York, founded by John J. Sinnott in 1927 and run by his descendants ever since. It files nothing with the SEC. There is n...
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Community banks are the last bastion of cheap value in the public markets. I find dirt cheap banks and invest in size.
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