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$3.57 -0.04 (-1.11%)
7/23/2008 4:00 PM

Citizens Republic Bancorp, Inc. (CRBC)

CAPS Rating:
**

A diversified banking and financial services company which provides a full range of banking and financial services to individuals and businesses through its subsidiaries Citizens Bank, Republic Bank, and F&M Bank-Iowa.

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Rating a stock in CAPS consists of three components:

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What the Community Thinks

Total Members

112 Outperforms
61 Underperforms
 

All-Stars

29 Outperforms
25 Underperforms
 

Wall Street

6 Outperforms
1 Underperforms
 

Members bullish on CRBC are also bullish on:

Members bearish on CRBC are also bearish on:

Ticker Tags

Small Cap (1922), Regional - Midwest Banks (64)
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Citizens Republic Bancorp, Inc. At A Glance

Current Price: $3.57
Last Trade Time: 7/23/2008 4:00 PM
Open: $3.53
Previous Close: $3.61
Daily Range: $3.43 - $3.90
52-Week Range: $1.75 - $20.38
Volume: 3,254,852
Market Cap: $346.20M
P/E Ratio: 2.21
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Stock Trends

CRBC VS S&P 500 (SPY)

CRBC 12 month chart vs. S&P

News & Discussion Boards

Other News Headlines for CRBC

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Top Bull Pitch

Recs

4

Citizens Republic Bancorp, Inc. (CRBC)

Avatar moalps (29.41) Submitted: 5/15/08 4:41 PM

Beaten down stock from a little but interesting bank. On the long run I don't see a too great risk. The company announce no exposure to subprime lending of any kind.
The company suspends dividend paying in order to protect shareholder value for the longer term, but is also decreasing expenses signi...More

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Top Bear Pitch

There are no pitches that meet the Top Bear criteria. Explain

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CAPS Members

picks per page. CHANGE

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Recs

0

 (CRBC)

Avatar sparemaker (54.27) Submitted: 7/23/08 1:00 PM : Outperform Start Price: $2.61 CRBC Score: 34.48

Check out the Tangible Book Value of the Company....$9.60! You are telling me that I can buy something that is worth $9.60 per share for less than 50% of that? That is on TANGIBLE Assets alone. If you want to do the Book Value with those intangible's included the Book Value soars to more than $12.00 per share!

I believe that some firms made lots of money in the 80s for buying companies that were way less than book value and breaking them up. Now, if only I had that much money!

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Recs

0

 (CRBC)

Avatar VINY17 (98.14) Submitted: 7/18/08 12:03 PM : Outperform Start Price: $3.06 CRBC Score: 15.06

To my fellow followers VINY17 is coming back...jojojojojo. Cool..!!!

VINY17 MSN MONEY Jojojojojo Followers 54 Performance 2005 YTD 2357.95 % Jojojojojo.

Yes only 365 days.

Remember the famous The MSN Market Challenge Series (2001)

VINY17 Jojojojojo

Take care fellow followers

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Recs

0

 (CRBC)

Avatar anchak (84.42) Submitted: 7/17/08 1:05 PM : Outperform Start Price: $2.90 CRBC Score: 25.68

I just forgot to add the pitch....... I had a full blog on CRBC ( You can read it here if you REALLY are thinking of investing real $ either way on them)

http://caps.fool.com/Blogs/ViewPost.aspx?bpid=64495&t=010094...

Here's my conclusion

CONCLUSION
=================

Oh my god! You must be thinking I am pissed because I am sporting a 50+ point loss on CRBC on CAPS – well I really thought their ratios were not in jeopardy hence they wont raise any additional and market may not be harsh – poor me! But they did – good for them – they should have raised LLR earlier – but they seem to be better content with a low reserve but HIGH MTM writedown policy. They believe they can hold thru this market – or for a buyer – this would immediately reverse the charge if there’s a gain on sale ( Unlikely, more like a small incremental loss)


I do not think CRBC is going bankrupt. A lot of insiders don’t think so either now – post capital infusion – they are buying. Would I buy – I looked at some long options – I would have preferred a LEAP here – not available. They will sport losses clearly though – their ROA is 33 bps – based on the above they will easily eat thru it. And the Options provide only 3:1 leverage – so possibly better to buy the underlying.


I am seriously contemplating booking the loss in CAPS and re-thumbing CRBC if it touches $2. And I think maybe – 250 shares wont be a bad bet, would it?

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Recs

0

 (CRBC)

Avatar Robwhorn (< 20) Submitted: 7/16/08 1:32 PM : Outperform Start Price: $1.92 CRBC Score: 81.79

The company is not exposed to much sub-prime even though they increased their $ / % of bad loans.





In the long run, this bank will come back.

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Recs

0

 (CRBC)

Avatar ShockBroker (21.93) Submitted: 7/11/08 12:44 AM : Outperform Start Price: $2.98 CRBC Score: 18.70

CRBC has a low P/E, but in an industry where even HAVING an E is rare, sets this one apart from the rest.
Yes, it a financial, and ordinarily I'd be avoiding anything financial like the plague, but this little one looks too good to pass up.
Today at $2 a share, and a price to book value of 0.11, this is a great stock in the bottom of the bargain bin. With 1.5BN equity it isn't going to die, and any writedowns or dilution will only expose the true book value which is not going to be 11% of the share price.
Buy it up and wait two years for it to get back to book value and you'll get a 1000% return.

I'd wait until July 17th for the rest of the earnings storm to subside and buy in, but you may not get it this cheap then.

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Wall Street

Results 1 - 7 of 7  

picks per page. CHANGE Expand All Pitches

Top
Pick		Member NameMember RatingStart
Date		CallTime FrameStart
Price		Stock
Gain		S&P
Gain		ScorePitch
TrackJimCramer 81.15 06/04/08 06/04/08 Underperform 3W $5.19-31.21%-7.11%+24.11
TrackOppenheimer < 20 05/06/08 05/06/08 Outperform NS $7.00-49.00%-8.49%-40.51
TrackKBW 44.10 05/06/08 05/06/08 Outperform NS $7.00-49.00%-8.49%-40.51
TrackDreman 95.90 09/30/07 09/30/07 Outperform NS $15.49-76.95%-15.97%-60.97 Toggle the visibility of 60-Second Pitch and replies
TrackCohenBros < 20 04/18/07 04/18/07 Outperform NS $20.30-82.42%-12.99%-69.43
TrackBoenning 24.17 03/14/07 03/14/07 Outperform NS $21.05-83.04%-7.38%-75.66
TrackRyanBeck < 20 10/23/06 10/23/06 Outperform NS $23.52-84.82%-6.11%-78.71

Results 1 - 7 of 7  

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