Phil Timyan (@PhilTimyan) header
Phil Timyan (@PhilTimyan) profile picture

Private investor, hedge fund manager, and blogger with over 25 years professional experience in community bank stock investment and shareholder activism.

Joined October 2009
Photo by Phil Timyan (@PhilTimyan)Photo by Phil Timyan (@PhilTimyan)Photo by Phil Timyan (@PhilTimyan)Photo by Phil Timyan (@PhilTimyan)Photo by Phil Timyan (@PhilTimyan)Photo by Phil Timyan (@PhilTimyan)Photo by Phil Timyan (@PhilTimyan)Photo by Phil Timyan (@PhilTimyan)Photo by Phil Timyan (@PhilTimyan)Photo by Phil Timyan (@PhilTimyan)
Phil Timyan retweeted
Recently came across the photo of my Mother - on the back I found "Armistice Day Nov. 11, 1987" - as part of her Mayoral duties she presided over special town events like this. Not sure if my father is pictured in the background (hands behind his back). How many of us know what the day really is? "Armistice Day is commemorated every year on 11 November to mark the armistice signed between the Allies of World War I and Germany at Compiègne, France, at 5:45am for the cessation of hostilities on the Western Front of World War I, which took effect at eleven in the morning—the "eleventh hour of the eleventh day of the eleventh month" of 1918.
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now that’s not a headline you read very often. what up Fins boys, this is our time to shine
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Phil Timyan retweeted
I have a stake in @BankofZachary, my children are substantial owners of another community bank. Our little parts of the world are blessed to have community banks. Both were charted in 1904.
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Phil Timyan retweeted
We need more community banks, not fewer. Before the 2008 financial crisis: New banks were frequently approved with $5–12 million (sometimes as low as $7–10 million). After the Great Financial Crisis and Dodd-Frank: Regulators roughly doubled typical requirements (to around $20 million or more). Analyses put average or median post-crisis figures in the $25–32 million range. Throughout the past decade, industry advisers and regulators have consistently treated roughly $20 million as the practical floor for most community banks, with many proposals required to raise more (often $25–50 million depending on size, market, and risk). There has been no general reduction in this expectation. Every previous wave of consolidation has been met with de novo bank creation. Community banks have always “disappeared” but new ones have always been formed to take their place. The dearth of community banks is not organic. It is bureaucratically engineered.
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Phil Timyan retweeted
Just remember, the privately owned "public benefit" entity known as The Fed currently has about a $1 TRILLION loss on the bonds they YOLO purchased during COVID.
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Phil Timyan retweeted
Replying to @BillAckman
Happy Halloween 🎃
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Phil Timyan retweeted
Brian Fantana once said that when bank stocks break correlations with slope in the YC, 80% of the time it works everytime. in the reply are my thoughts on what to do when this breaks and other bank fun.
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Phil Timyan retweeted
Long but important thread: Let's take a trip the "Tahranto" to understand why Canadian banks are at risk of becoming trade war targets
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Phil Timyan retweeted
My guess is $WAFd is (1) huge embedded losses on fixed rate loans meant ROE would drag for years (2) didn’t have stock price to buy others (3) CEO had plane crash and remarriage in last few years and so less patience for the grind ahead (4) so merge into a bigger market cap and trigger the change in control. The corollary to (1) is they had the embedded rate risk because that was the only way they added value for the customers.
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Phil Timyan retweeted
Buying banks after a dip. $gbfh $ccb
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Congratulations to the Peoples Bank team and Finward Bancorp (Nasdaq: FNWD) on the announced acquisition by First Financial Bancorp (Nasdaq: FFBC). A great outcome for all those involved. investorrelations.ibankpeopl… $FNWD $FFBC
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Phil Timyan retweeted
Klarna seeks U.S. bank charter in latest push beyond buy now, pay later | @CNBC “The application marks Klarna's latest step toward becoming a broader consumer bank rather than just a buy now, pay later provider. Last month, Klarna introduced high-yield savings accounts to U.S. customers, though its partner WebBank holds those accounts.” cnbc.com/amp/2026/07/06/klar…
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I must not understand political machinations as I think I do: This article makes it seem like these community bankers are mad at their trade group when they should be mad at their regulator? And also this is likely the party they voted for? politico.com/news/2026/06/20…
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Phil Timyan retweeted
🚨🚨 SCOOP: Silicon Valley Bank sues Patriot Bank over $21m of receivables in Parker mess, alleges Patriot "brazenly stole" from Parker user. Lawsuit gives a behind-the-scenes look at the bankrupt SMB charge card startup's chaotic final days.
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Phil Timyan retweeted
Index arbs buying Isabella Bancorp $ISBA into Russell add when mgmt is screaming they are overvalued with an ATM offering on top of a stock acquisition
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Phil Timyan retweeted
All of them should submit their resignation papers. Got this info from a public site
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