This is just a horribly run company. Bled talent, lost best sales people, have way too much dead weight. But as someone once said, discount a company with bad management enough, and suddenly it starts to look good. Now that the company is once again under $10 a share, it is a buy. They still make money and someone who wants to buy a bank can do so on the cheap. Fire the lot of them, keep the bank and the profitable portfolio and move on.