Bank I recommended on December 12th acquired December 14th

Have you seen banks in your town being taken over by bigger banks?

Suntrust 2019to

truist 2022

Now, you can buy stock in these small banks BEFORE they make big moves. Here’s the next 5 about to be taken over for up to 194% profits!


Let me cut right to it…

117 banks are acquired every year. 

That’s 2x per week. 

When one does, it is paying shareholders a bucket of cash. 

The issue? All 117 aren’t public. Only a select few are. And I can identify with a historic 98.5% accuracy which banks WILL be acquired. 

And now you can too. 

It’s very easy to locate them if you’re willing to dig a little. 

Get this… 1 of 3 banks acquired can double your money in as little as 12 months. 

When you see signs changing at your local banks…

Money is being made. 

Because these are banks. 

We’re not talking about some no-name tech startup trying to beat Amazon. (as if). 

Or, some biotech firm looking to cure cancer. (good luck). 

These are banks with cold-hard cash. 

Yes, those po-dunk banks like this…wedged between a vacant furniture store… and the local brewery…

These tiny banks you barely notice are GOLD-MINES for triple-digit profits

Yes… forgotten eyesores like this you drive by daily…

These small banks hold a lot of cash. A lot of assets. They are worth a ton. 

And there are bigger banks… bigger fish, that are willing to pay a hefty premium to get their paws on their stuff. 

It’s an all out war going on. 

A consolidation war. 

And now YOU can profit from it. 

On this page, I’m going to share with you a ton of winners I’ve shown readers over the year. 

This is a fast-moving… money-making trend no one is talking about. 

But it’s the most exciting play out there. 

This is MY FAVORITE strategy to share. 

In fact, when I first wrote this page, I recommended a stock (and you’ll see it at the bottom here)…

I released this page December 12th…

December 14th, that bank was bought up! 

That’s how fast things are moving in this space and you can take advantage. 

Take a look at some of the triple digit gains you could’ve landed:

  • 194% takeover win on GNBC
  • 192% takeover win on SLCT
  • 184% takeover win on NBN
  • 181% takeover win on SSFN
  • 166% takeover win on MFNC
  • 163% takeover win on SVBI
  • 152% takeover win on CWAY
  • 150% takeover win on BOCH
  • 143% takeover win on PBIP
  • 133% takeover win on BYBK
  • 130% takeover win on ACFC
  • 129% takeover win on RBPAA
  • 126% takeover win on CHFN
  • 123% takeover win on ASBB
  • 120% takeover win on UCBA
  • 117% takeover win on MGYR
  • 107% takeover win on ASBI
  • 107% takeover win on WBKC
  • 104% takeover win on SBCP
  • 100% takeover win on CHCO 
  • 100% takeover win on EVBN

On average, you can collect 50% PER YEAR in profits.

Meaning, you could’ve become a Millionaire following my picks in the last 10 years from just a $25k portfolio.

Total gains from all my recommendations total 5,411% over 10 years.

That’s about 54% per year…

But I shoot for around 50% returns per year!

That triples, even quadruples many hedge funds. That’s how powerful this strategy is.

If you had put just $5,000 into every one of my recommendations, you could’ve walked away with $270,593 in profits!

1/3 of the plays doubled your money.

If you started with just $25,000…

At a 50% compound over 10 years…

You’d end up with a $961,084 portfolio!

You’d be a Millionaire.

This isn’t a promise or guarantee.

More, if you see the past returns I’ve shared with readers, you know this is true as we’ve averaged the 54% per year.

In fact,

Over 10 years, I’ve successfully found
64 bank stocks that were acquired
for up to 194% gains.

I’ll show you the next 5 bank stocks to be acquired
in as little as 12 months

Buy all 5 stocks for just $68. They’re that cheap!

Every year, an average of 117 banks are acquired in the United States. 

In the 1980s… over 18,000 banks existed here.



And that number will likely keep shrinking, on average, for the next 37 years.

The US currently has 10X more banks than other major countries.

Graph showing how the US has 10x more banks than any other major country.

We’re bloated in how many banks we have

Canada only has 35 banks…

France 337…

UK 344…

With over 4,700 banks… we’re still due for massive consolidation. 

At the pace of 117 consolidations per year…

We still have another 37 years to go before we get down to prudent numbers in the 300-500 range. 

And that pace could move even faster. 

Because we’re in the middle of the biggest consolidations of an industry in history. 

No other industry has seen the consolidation banks are seeing…

Even airlines, telecom, oil companies only had a few hundred companies that consolidated from the 1980s to now. 

For banks, they began expanding from the founding of the nation in 1776 into the tens of thousands. 

We have decades to go of consolidation. 

So far, I’ve recommended 65 bank takeovers…

64 were profitable. 

And now it’s your turn to profit. 

Today, you’ll get access to the top 5 banks set to be acquired. 

They check all my criteria and trade at a steep discount.

They aren’t huge either…

And you would likely never notice them ever.

  • One of them has just 6 branch locations spread across Michigan.
  • Another has just 2 branches in Massachusetts.
  • A third also just has 2 locations sprinkled in Illinois.

Info about a previous bank takeover.

Meanwhile, Bank of America has 6,402 locations across the US!

And their service still stinks!

Well, (good news for you), forget buying Bank of America stock or Wells Fargo, JP Morgan…

The real money made is not in buying JP Morgan.

JP Morgan’s stock is only up 126% in 22 years even after becoming one of the largest banks in the world…

I’ll show you small banks acquired that could’ve shown you up to 194% gains in just a handful of years.

Because the real money is in buying the stock of the bank being acquired. 

Let JP Morgan and Bank of America pay YOU!

Like Green Bancorp. It was a 17 year old bank, but was taking a beating after its IPO. 

You’ve likely never heard of Green Bancorp.

I found them trading at a steep discount.

Stock graph showing a price increasing very rapidly.

You’re going to be buying small banks at dirt cheap prices… BEFORE the big banks swoop in and pay you a massive premium. (here we banked a 194% win)

I followed my 2 rules for investing in these small banks…which I’ll reveal today…

(One of my rules gets you in cheap)…

And, because the large banks move slower than you and me, it took a few years before Veritex Holdings woke up and smelled the coffee on how cheap Green Bank was. 

Again, I saw the writing in the sand 4 years prior. 

Veritex came in, dropped a big ol’ bag of money to buy Green Bancorp, and you would’ve walked away almost tripling your money.

Headline about a bank takeover by Veritex.

You’ll get used to reading these press releases for your bank takeover purchases.
(I have a 98.5% success rate with my recommendations)

However, you can’t wait for a big Texas bank like Veritex to make their move.

The key to making money on these banks is investing in them before the sale is announced. 

Because, by the time you read a press release about the acquisition happening… it’ll already be too late. 

And there’s no obvious intel when these banks will be acquired.

The CEOs of these small banks aren’t on CNBC or Fox Business. 

You’ll never hear of them. Some are just regular ol’ small-time businessmen who became CEO for being good at 

Info on bank 

One bank CEO I’ll show you was a long-time attorney.

These aren’t guys going around giving big speeches. 

A few CEOs I can call and talk to right now. I have their number and they’d pick up the phone. 

They aren’t big enough to have bloated staff.

One of the small banks in my portfolio is a $25M market cap. That’s tiny. Citigroup is a $92 BILLION dollar market cap bank. That’s 3,679X bigger. 

If you buy these 5 right now…

I can’t guarantee you’ll make money…


My 10+ year track record on recommending these bank takeovers has been spot on. 

Hi, this is Tim Melvin.

64 out of my 65 bank takeover recommendations have been profitable. 

That’s a 98.5% win rate. 

I have 5 more to share today.

With a 98.5% win rate, there’s a good chance all 5 of these banks are about to be acquired. (Nothing is guaranteed, though).

And the profits to you could be life-changing.

Testimonial about BTL.

How life-changing? 

Well, out of the 65 recommendations… 32% of them went for over 100% wins. 

Simple math would say 2-3 of the 5 stocks I’m about to show you will be 100% winners. 

And when you follow my 2 rules for buying them…

You can get in at all-time low prices…

And cash out for huge gains. 

Like Bay Bancorp (BYBK)

Notice how the stock had collapsed from all-time highs to all-time lows. 

Stock chart for Bay Bancorp Inc.

You’ll be buying bank stocks at cheap prices like this

Following my 2 simple rules, we got in literally before the acquisition news. 

I recommended around $5.14/share. That’s super cheap… and most of these small banks usually have low share prices…

Odd Line Bank saw what I did (2 years later) and scooped up the bank for $143M…

Which was a 133% profit on our shares in under 2 years. (doesn’t include the dividends it paid too!)

Headline about a bank takeover.

My average profit on a recommendation is 83.3%. 

With only 1 loser…

And that loser only was a -2.78% loss. 

To make matters more interesting…

That bank WAS acquired, just not for as big a premium as we hoped!

Headline about a bank takeover.

Friggin’ Ben Franklin Financial was bought up right as Covid started… likely hurting our premium! My only loss ever! (for -2.78%)

And these types of opportunities are not going away. 

In the 1980s, there were around 14,000 banks. 

Today —> 4,700. 

Consolidation started in the 1980s. 

Here’s why it’s happening…

Banks are lucrative businesses. 

The problem? 

Regulation only allowed banks to do business in one state. 

So, if JP Morgan wanted to operate in multiple states, they’d need separate entities to transact. As you can imagine, that required a lot of cost, bureaucracy, and headaches. 

That’s why you’d see small banks with 1-2 branches holding up just fine in small towns sprinkled around the US. 


In the 80s, President Reagan began de-regulating thrifts and small banks to allow you to do business across state lines… 

And then, in 1994, the Riegle-Neal Interstate Banking and Efficacy Act, opened the floodgates and allowed banks to start expanding their locations across state lines. 

As you can imagine, this made the bigger boys salivate as they could now take deposits nationally. 

More deposits = more loans to disperse = more interest income. 

Watch as more and more banks consolidated from the end of the 80s, through the 90s to today.

Graph showing the number of FDIC banks is decreasing as bank consolidate.

And the pace is picking up!

The Cleveland Federal Reserve claims, consolidations have “accelerated during the 2010s” Most of the decline in the number of banking institutions have taken place in the last 10 years… and this is going to continue. 

Big 4 Accounting Firm, Deloitte, claims for the 2020 decade: “The time is right for a wave of bank consolidation”

In 1994, 84% of banks in the US were small banks.

By 2021, it’s now about even.

Graph showing institutions by asset size.

Since 2000, about 117 bank consolidations have happened annually. 

I’m going to show you the top 5 this year. 

Not all 117 banks are public, so the list is smaller than you might think. 

However, if you KNOW what to look for, you can look for signs a bank is on the brink of consolidating into a bigger bank. 

These consolidations have resulted in over “$7 trillion” in asset transfers, according to the Federal Reserve. 

Guys, that’s a lot of money moving around. It’s no joke. 

When a lot of money is moving around, that’s an opportunity for you to generate some profits. And I’ll show you how. 

First, let’s take a peek at why this is happening. Knowing the history can assure us this consolidation trend will continue. 

I already mentioned banks started expanding across state lines. 

Here’s where that gets important…

Public stocks need to grow in order to see their stock price grow. 

Banks aren’t like Google or Amazon. They don’t suddenly explode 10X in one year. 

It’s a 3-4% annual compound. 

Well, you can imagine shareholders aren’t too thrilled about this pace. 

So, what does a bank do? 

You got it —> they acquire to grow faster. 

It’s the only way for medium-sized banks to move up the chain. 

Take Ameris Bank. They’re a publicly traded company with over 100+ locations. (a drop in the bucket compared to the thousands of locations of a Bank of America). 

To grow, Ameris can rely on advertising and opening up new branches…


They can acquire a small bank like Atlantic Coast Federal Corporation.

Headline about a bank takeover.


If you can locate a tiny bank like Atlantic Coast Federal Corporation BEFORE Ameris does

Info about ACFC stock.

Recommended right before the stock took off!

Small banks are the cream-of-the-crop targets. 

On one hand, because of changing times. 

On the other, some smaller banks don’t have a choice. 

A 2021 FDIC study concluded: To operate a small bank with under $10B in assets-under-management, per-unit costs was profitable for a small bank at $350M in 2000. 

Today, a small bank needs about $3.5B in assets to be efficient. 

That’s a 10X jump…

It’s hard for them to make money without billions in assets.

And many banks, some I’ll show you today, only have assets sub-$1B. 

Meaning, it’s unsustainable for them to even run a bank anymore. Their costs from inflation, regulation, cybersecurity are exploding and they will be forced into bankruptcy, closing, or selling. 

We’re not seeing many banks fail in any capacity recently.

Bank failure graph showing failures since 1990.

Banks aren’t failing anymore… they just get acquired.

In fact, bank failures in the past 3 years only total “4.” 

Meaning, these banks are, instead, selling off their assets to large institutions. 

Big banks are mostly targeting smaller banks…

But even big banks are merging with big banks. A recent transaction was Suntrust merging with BB&T to form Truist bank, as I mentioned. Now, they’ve become the 5th largest bank in the US. 

Just in the top 13 banks by branch size, 9 of them have recently completed a merger (as marked in red).

Graph showing how even major banks are going through merges.

Even the big banks are merging and acquiring EACH OTHER! (as seen in red)

JP Morgan states right on their website, they are a bank made of “1,200” institutions merged together. 

1,200! Imagine the lawyer bills with all that M&A activity.

Small banks just can’t keep up, especially as customers flock to the big boys with deep pockets. 

Right now, small banks have 3 strikes against them:

(and they’ll WANT to sell)


  1. President Trump signed the “2018 Economic Growth, Regulatory Relief, and Consumer Protection Act” which made banks have less regulations up to $250B in assets. Medium size banks could now join together with less red tape and grow faster. 
  2. Things like free checking, less need for in-person branches, regulatory limitations on fees (such as caps on late fees) has made banks need to be more savvy in how they generate revenue. Large institutions have arms for investment banking and trading. Things small banks don’t have. To generate more revenue… they need more assets! Again, banks grow slowly. Much easier to merge banks and thus, merge assets, to be able to leverage cost efficiencies, technology and labor. 

One example…

Bank branches are becoming defunct. 

Graph showing the number of branches of banks since 2000.

Collapse in branch locations make it inefficient for tiny banks

to even exist (they can’t keep up technologically)

According to the National Community Reinvestment Coalition, “The branch closure rate doubled during the pandemic.” 

After all… no one could enter branches, so they were close. Banks realized they operated just fine without branches, so they kept less open. 

Small banks rely on their branches to interact with customers, gain new customers, marketing, and transact. 

Big banks have more resources to not need branches. 

Thus, small banks with 1-10 branches become less important. 


  1. Tech advancements in financial technology. Financial technology is extremely hard to build. (At Investors Alley, our publisher, we’ve built fintech and it’s hard and costs 10X what you think!). The demand for incredible technology is high but the supply is low. Big companies buy up the tech. Example – ZELLE is owned by 7 of the big banks including Bank of America, Wells Fargo and JP Morgan. 

Many small banks barely have functioning websites! It’s frustrating to even use them nowadays. However, they don’t have the tech team to build out solutions we now expect in a bank e.g. online wires, line of credit transfers etc.

JPMorgan headline.

Banks are getting more “tech”… and so they’re acquiring fintech companies too.
Small banks can’t afford to do this.

One of my colleagues decided to open a bank account at a local bank for his business. 

“It’s a nightmare,” he says. 

To transfer funds, he has to go into the branch. 

To move funds out of a line of credit for his business, he has to call to do it. 

There’s no ATMs to draw cash except at that bank… else he pays a nice $3.95 fee to that bank and Visa bangs him with another $4.95. 

He plans to (reluctantly) stick with Wells Fargo as there are ATMs everywhere, easy transfers in and out of his account online, Zelle is available and more. 

Small banks just can’t compete in an ever-changing technological world.

So…rather than invest in tech…

It’s much easier to sell your small bank at a premium to the big kahunas.

Remember, some of these banks are only worth $25M. Not hundreds of billions. 

When they get interest to be bought, they can shoot up to triple-digit gains.

However, you must get in BEFORE the news hits the airwaves. You’re too late once the news leaks.  

So, sometimes you’re getting in early on these banks. 

You’re NOT day trading these
soon-to-be-acquired banks. 

You’re buying them for 12, 24, 36 months
(maybe longer)

One publisher wanted me to ditch these investments because they were too “B-oring.”
I told them “Ba-bye.”

We’re not shooting for 1,000% gains here. 

Our goal is 50% compounded each year.

Many think that’s ‘unsexy’. 

Not me.

As banks look to consolidate faster, they’ll keep paying huge premiums. 

32% of my recommendations end up with 100%+ gains. 

That’s a pretty sweet premium.

These gains may only take a year… but likely they’ll take longer. Some even 4-5 years. 

I used to work at a big-name publisher. They were one of those pubs that promised massive 1,000% gains and all that BS.

Blurb about a bank that was acquired after 48 months.

I’m not one of those people. 

Even with my stellar track record around banks… they wanted none of it. 

They said I was too ‘boring.’ That I needed to make bigger and bigger promises to you.

I stopped working with them. 

They didn’t think anyone would be interested in bank stocks. 

So I told them “goodbye,” and now at a 22-year publishing arm that’s only grown while many of the big firms (including my old publishing company) are failing. 

In October 2022, I launched a bank product and got thousands of subscribers in a matter of weeks. 

Turns out, especially in tough markets, banks always hold steady. 

Get this —>

Small bank stocks hold up better than the big name stocks. 

In 2022,

Wells Fargo stock – down -14%
Bank of America  – down -25%
JP Morgan – down -18%

One of my acquisitions… only down -4%
Another only down -8%
Another down only -6%
Another UP 18%

That’s one reason I love these small banks. 

They don’t drop as much as the more mainstream stocks. 

When they do drop, it’s usually an excellent time to buy at incredible prices. 

Like when I recommended Charter Financial Corp. It had collapsed after 2008 and never recovered. 

I got in right at the bottom…

Stock chart showing a 126% return.

We’re buying at incredible valuations (and profited 126%)

My recommendation came in at $10.50/share. 

4 years later, Centerstate Bank recognized what I did… “Charter is dirt cheap!”

They came in and bought Charter and we profited 126%! (that doesn’t include the 1.4% dividend you were collecting)!

Headline about a bank takeover.

These small banks are the heartbeat of America…

No one is watching these no-name 2 branch institutions…

And banks aren’t going anywhere…

It’s where the money is after all!

Over 27 years…

I’ve tested more than 2,917 stock strategies for the biggest financial companies in the world to find what makes money.

I’ve also managed money for some of the world’s wealthiest.

Headshot of Tim Melvin.

Again, my name is Tim Melvin. 

I’ve been in the financial services industry for over 34 years serving as a portfolio manager, broker and advisor.

Now, I’m not like many of the stock guys out there.

I’m old school. 

I’m not trying to find the next landmark medical breakthrough, or deciding if Tesla is going to be the biggest company in the world. 

I don’t leave my investing to chances.  

I have one goal —> Look for inefficiencies in the market. 

Where is an asset trading for less than what it’s worth? 

We’re talking some real good, old school Benjamin Graham, Peter Lynch, Warren Buffett stuff. 

Find the diamond among the rubble and buy it. 

My top bank takeover targets are trading at incredible prices right now.

This is what I find.

Testimonials from 3 people.

That doesn’t mean I’m necessarily buying stocks left for dead. 

It’s instead looking for arbitrage opportunities.. 

Good, sound businesses with great cash flow and a bright future…

But they’re unpopular because they don’t fit in with the current “fad” in investing. 

I’m also looking for them to pay a nice, fat, juicy dividend. 

If I can buy an asset trading for less than it’s worth… and turn it around and make money… plus, collect dividends… I’m as happy as a guy at the bar on payday. 

Finding these perfect dividend stocks takes work.

The work starts before I buy anything.

I’m up late reading financial statements, studying SEC filings, on top of learning about the overall market. 

I’m doing this literally every single day. 

After taking my granddaughter to the zoo, I drop her back home and I’m off to read SEC filings on a Sunday afternoon.

Studying financials and SEC filings isn’t unique in itself…

It’s knowing how to dig up a value opportunity in the market. 

Here’s my tracked return over 8 years
in the banking sector:

Screenshot of an account up 123%.

I recorded these winners on banks: 

  • A 165% winner on MFNC over 8 years
  • A 100% winner on EVBN in 19 months
  • A 150% winner on BOCH in 5 years
  • A 163% winner on SVBI in 8 years
  • A 192% winner on SLCT in 7 years

Those are just recent trades closed in 2021 and 2022. 

Not all my trades were winners… but the last 10 trades closed were all 50%+ winners. Even in this bear market!

I called the top in 2007

I called the bottom in 2009

I told you to buy more real
estate in 2019
(before prices jumped 50% in 24 months)

Picture of Tim Melvin.

March 25, 2019.

I warned to get out of tech stocks in 2021

All of these calls would’ve saved you a ton selling at the top…

And then you would’ve bought at the bottom. 

But I’m no ‘blind squirrel who finds a nut’ guy.

I called a short-term bottom on the
exact day in June 2022

On June 20, 2022… after the S&P had fallen 23.4% from November 2021 highs…

I called that we would have a “rip-your-face-off” rally.

Screenshot of Tim Melvin.

Sure enough, the very next day, stocks gapped up and took off the next 30 days. The S&P 500 gained 17% in one month. Some stocks, like Apple, shot up 32%.

Candlestick graph.

But, I didn’t stop there…

Called the market to drop in September 2022 (dropped 1,000 points one week later)

I told folks, “Things will get a lot worse” despite the bear market rally I just called. 

That was early September. 

Just a week later…

Headline about market drop in Sept 2022.

Called this big drop the week before

Worst day since 2020. 

I’ve been helping thousands and thousands more since with my research including writing for Jim Cramer and James Altucher. 

I’ve compiled strategies that would’ve made you millions in the past decades. 

Today, I’m showing you my very best… most favorite strategy. 

Because banks consolidating is only picking up steam. 

You simply need to know which stocks to buy.

The criteria for which banks are primed to be acquired is fairly simple. 

You can follow it yourself. 

All 5 of these bank stocks match my criteria…

And they’re set to be snatched up… in as little as a few months. 

In many instances, it can take years for a bank to be acquired. 

Many can pay dividends while you wait. Not all, but a few. 

Just know that ‘years’ is the timeline you should bank on (pun intended). 

However, each of these stocks is as intriguing as the next…

There’s two main criteria I’m looking at when I plan to acquire a stock: 

Part One: Their non-performing loans are very low. 

A non-performing loan means the bank lends money to a person/business and that loan is at risk-of or already-in default. 

Banks with loans outstanding that aren’t being paid is a danger to a bank. 

They need cash coming in to be solvent and so they lend out more money to generate more cash. 

For the most part, most banks are doing well in this area. 

However, it takes studying the financials and reading the SEC filings, the 10Qs, etc. to see how the non-performing loans are doing.

If I see a sudden spike in non-performing loans, I may even sell off the bank stock.

Chart talking about bank performance.

A few of my recommendations are 50% less than the average default rate. 

As the economy slows down, keeping an eye on this metric is huge.

A more important metric is this one: 



Part Two: Discount-to-book-value is below 0.85. 

“Book value” is simply the value of all assets on the bank’s books. 

So “Discount to book value” = if the price is less than 1.0, it means the stock trades for a valuation LESS than the assets in the bank — which makes no sense!

But it happens, which is why buying banks that fulfill this criteria is such a no-brainer.

It’d be like you buy this cute house in California that is worth $1,000,000. 

But, you buy it for just $850,000.

What a deal!

Picture of a house.

Imagine buying this house for a 15-25% discount of what its appraised value is!
That’s what we’re doing with our banks

You’re getting $150,000 in “free” assets to what your valuation actually is. 

Doesn’t happen much in real estate… but it happens in bank stocks ALL the time (as the stock market is more volatile than real estate and more driven by emotion).

If you can find a stock trading for LESS than the assets it holds… you’re making money.

Image of Martin Whitman.

A quote by Martin Whitman.

Take a look at the stocks I’m recommending right now, and some big-name stocks:

Stocks and their discount to book values.

My stocks all trade for less than their assets, because they’re too small for big institutions to care about.

Meanwhile, top stocks like Apple go for a premium to book value.

Apple, for example, trades for 46X MORE than its assets! That’s tough to sustain. 

That means that if you disbanded the company, you’d only get a small fraction of the price people paid for its stock back.

With my banks, it’s the opposite – which is why when these small banks get acquired, the buyer ends up paying more than we did.

You’ll also see how big banks also trade for more than their value. Likely because they’re “good” and “solid” banks. 

Why would big banks pay huge premiums to buy these

tiny 2-branch locations? 

1. Banks can expand faster through acquisition vs. organic growth

I mentioned that earlier. 

But that’s not the only reason. 

2. When banks merge, the cost savings can be very high. 30%+ operational expenses of acquired bank can be eliminated making it more profitable on DAY 1.

If buy acquiring, a large bank can increase profits by 30-50%…

They’re more than happy to pay a premium because they’ll make a return fast.

Small banks usually underperform return-on-asset benchmarks.

So, if we can find banks with a pristine loan portfolio (i.e. low non-performing loans aka Part One)…

Which are trading for a discount on their asset value (i.e. low discount-to-value likely because bank is not getting a maximum return on assets)

A large bank is happy to pay premiums.

The secret for YOU to make money is buying them BEFORE the big banks recognize all this.

And, if you follow me, you can buy them at deep, deep discounts. 

Check out this stock I recommended:

Stock that rose after being recommended.

When you ONLY buy stocks trading at deep discounts-to-book-value… you buy the stock at all-time lows like we did here. (and cashed out at acquisition for 181%)

Stewardship Financial had about 12 locations sprawled across New Jersey. 

I saw they were strong financially…

But trading at all-time low prices. Look at that chart again. 

We bought in at a mere $5.47/share. Less than you’d pay for a #1 meal at McDonalds nowadays. 

Within 3 years, acquisition suitors came knocking.

Columbia financial headline.

Get used to seeing these headlines

We sold at $15.37… a nice 181% winner. 

A $10,000 investment would’ve netted $18,100 in profits. 

The S&P 500 only returned around 40% in that same timeframe. Meaning, you would’ve beat the market by 4X!

That’s the power of buying for value. 

And you’ll find many small banks trading at big discounts to their book value.

That doesn’t mean they are ‘bad’ banks. 

It means they haven’t attracted the right capital…they have no marketing team… and they’re small potatoes (sometimes).

I also have a stellar track record for recommending these small banks RIGHT BEFORE the stock pops…

Take a look:

I’ve shared with you my entire track record…

And what I didn’t mention before…

Take a look at the buy zones of each of these examples I shared…

Screenshot of various graphs.

Screenshot of various graphs.

I recommended them RIGHT BEFORE they took off. 

They took off and never looked back. 

When you buy at massive discount-to-book values… you’re buying incredible assets at a larger-than-life discount. 

That is only a positive. 

So when I tell you to buy these 5 banks I’m about to reveal…

All 5 could skyrocket in the next few weeks or months.

Buy 1 share of each of these 5 companies and

you’ll spend less than $68

Blurb about a stock that was acquired in 12 months.

You can be first in line to buy shares in these companies. 

They aren’t expensive. 

Just 1 share in each of these 5 banks would cost less than $68. 

1 share of JP Morgan’s stock is over $150. 

Meaning… you’re buying more diverse stock, at a lesser price, that go down less in a bear market…

But, more importantly, has the potential to shoot up as high as 194% if they get acquired. 

The upside is huge. 

All you need to do is buy now.


The bank was established in 1895. They came out right during the industrial boom in the US. 

Despite being around so long… they have just 6 locations in Michigan. Meaning, they were on the groundfloor of being close to car manufacturing starting in 1899. 

They have over $480M in assets under management. 

As for their stock, it’s trading for just $10/share. Their market cap runs at a mere $64M. That’s a small-cap stock you’ll never hear about on CNBC. 

That doesn’t mean it’s volatile. 

In 2022, the stock is beating the market. The stock has also held up from the “Covid” bump while many tech companies have dropped below Covid lows. 

As for it’s Discount-to-book-value, it runs at just 0.80. 

To compare, JP Morgan is double that around 1.20 plus JP Morgan goes for 14X higher in their stock price (i.e. more expensive). 

As for safety, only 0.7% of the loans they’ve provided are non-performing. Lower than the prior year despite inflation!

The average in America is 1.2%.




This bank just IPO’d in 2022 despite being open for over 100 years. 

You’re buying the stock at the discounted price employees and executives got in at pre-IPO!

The stock is trading for a mere $10/share at a $54M market cap. An easy double up if a big bank comes in as they manage over $285M in assets. 

Their specialty is serving the retail customers in their very hyper-focused community in Illinois. 

After all, they only have 2 locations. You’ve likely never heard of this bank nor ever will. Yet, imagine being able to profit as it looks for a buyout. 

Its discount-to-book-value is a mere 0.69. Meaning, you’re buying assets at 69 cents on the dollar. 

Meanwhile, only 0.4% of its loans to their Illinois community are non-performing. That’s 66% lower than the national average. 

The stock is a deep value buy right now and is very cheap. 




Congrat this bank on celebrating its 100-year anniversary this year. 

You can celebrate on Bourbon Street… I’ll join you… as this bank stretches across 6 locations in the Bayou of Louisiana. 

Yet, even after 100 years, it only recently IPO’d in 2021 as a Federally chartered savings bank.

At just $13/share, you can pick up shares for less than your dinner. 

Plus, at a $68M market cap, you’re buying shares at a dirt cheap level. No one is talking about a $68M cap stock. No one but you and me. You’ll be sharing this stock with your friends when it potentially shoots up and doubles your money. 

This bank focuses mostly on consumer retail banking in their Louisiana communities. 

The Board of Directors have all worked together for years even at different positions at different banks. They’re a tight knit group I’m excited to watch. 

Over $200M assets under management… but trading at a $68M multiple sounds good. 

Their discount-to-book value is a solid 0.77. Below my benchmark of 0.85. 

And it’s non-performing loans only account for 0.68% of their loan portfolio. That’s one of the lowest you’ll see.

RECOMMENDATION: Buy up to $17.50




One of the “bigger” bank stocks I recommend if you can call it that. 

At a $114M market cap, it’s almost double some of the others on this list. 

At $15/share, you’re still seeing a great value… you can even buy at 5% discounts to what employees were buying up shares in September! Yes, a solid flow of insider buying happening right now. Insiders putting up their own money to quietly buy shares. Do they know something? Maybe a potential acquisition down the pipeline? We don’t know. 

But the bank is set to be acquired. 

It was founded in 1887 in Philadelphia. At 9 locations, that’s a terrific size for a big bank to gain notable market share. 

That doesn’t mean the stock is overvalued. 

At a 0.75 discount-to-book-value, you’re buying up assets at 75 cents on the dollar. 

Non-performing loans are a mere 0.6% of the portfolio… 50% lower than the national average. 

The stock beat the market in 2022… and, if acquired, will smash the returns of most ‘professional’ investors. 




The last bank stock to buy on my list is the “largest” of the bunch. 

At a $151M market cap, this bank is still small enough to trade under the radar. 

At $17/share, it’s a low price to gain entry. 

I’m surprised it hasn’t garnered more attention. 

In 2022, while the market is down double-digits, this bank stock is UP 17%! 

The bank has been around for 125 years, so it’s no spring chicken. Plus, it only has 2 lone locations in Massachusetts. Those locations have, no doubt, seen a ton of American history!

Revenues are up double digits…

And, my favorite, they’re efficient. 

Other banks at a similar valuation have up to 900 employees. 

This bank? Only 54 employees across the company! Incredible cost-savings and productivity. 

At a 0.85 discount-to-book-value, this company is still very cheap. I’m surprised it’s that cheap seeing how it’s beating the market vs. even the big banks. 

Meanwhile, its non-performing loans are below the national average, which is what I like to see. 


All of these bank stocks are now available to you. 

But you can only access them in one place.

Get access to my 5 bank takeover targets in my brand-new product, Bank Takeover Letter

Our goal with this service is straightforward —> Buy stock in banks with the potential to be acquired for 100%+ gains. We’ll average 50% gains per year.

I’ve shown you my track record. 

65 recommendations over 10 years. 

64 were profitable. 

32% went for 100%+ gains. 

Even if we don’t hit 100% gains…

A 98.5% win rate is close to perfect. Meaning, at that pace, all 5 of the stocks I’ll reveal to you today could be profitable. 

Not a guarantee… but

My track record is one of the strongest in the banking industry

No hedge fund can match this 98.5% win rate. 

Now, you get a front seat with the first-ever Bank Takeover Letter subscription. 

Like I showed you… we’re shooting for 50% compounded gains each year as my 10 year record has provided.

That would turn $25k into a portfolio worth $961,084!

You would’ve been a millionaire following my picks the last 10 years.

117 banks (on average) are being acquired annually. 

You will get access to the very best ones every single month inside the Bank Takeover Letter.

Testimonial about Tim Melvin.

This is the #1 bank letter on the market focusing ONLY on bank takeover targets. 

There aren’t more out there as the majority of financial professionals can’t pick a bank stock takeover…

Much less pick a winning stock of any kind. 

Every year, 117 banks (on average) are being taken over. All of them are not public. 

Only a handful trade on the public markets. So the fishing hole is sparse. 

You can choose to do the research across the thousands of financial stocks out there. 

Bank Takeover Letter iPad NewsletterYou’ll be: 

  • Reading the SEC filings
  • Reading the financial reports, search for non-performing loans, understand the cashflow of each bank, plus which sectors they specialize in
  • Chatting with the executives at these banks (many of these small banks have execs you can call directly)
  • Monitoring your positions monthly to make sure no material changes have taken place

It’s a ton of work.

Blurb about SVBN.

If you hired a professional to do it, you’d be paying them $200/hour… for 40-80 hours per month.

That’d be $192,000/year. 

Which is just about what a stock analyst on Wall Street would make. 

Well, obviously, you won’t be paying a drop of that even over a lifetime of the service. 

I’ll share with you the discounted price in a moment. 

Understand that: 

1. These bank acquisition plays could take years before they’re bought out

2. You’re buying bank stocks you won’t hear about anywhere else (and that’s a promise)

3. The upside to these stocks can double and triple your money. But you MUST buy before the news breaks. That’s the secret. 

Fortunately, if you follow what I share today, you’ll be on your way: 

  1. Buy stocks with low non-performing loans (mine are all under 1%)
  2. Buy stocks with discount-to-book-values less than 0.85 (one of my recs is 0.69). This guarantees you’re paying less than the value of the assets the company holds. Like selling your house for 85 cents on the dollar. 

When we stick to these strict rules, it’s possible to see huge winners. 

Like Coastway Bancorp:

Stock chart from Coastaway Bancorp.

You never knew small banks could go parabolic like this! (A 152% winner for us)

I saw at the IPO, it was still vastly undervalued. And I was right. 

Recommended buying at IPO around $10.80. Four years later, the stock had never looked back. 

Coastway didn’t stay public for too long. 

HarborOne saw what I did (that it was a strong bank going for a discount)… and bought it at a 152% premium to what I did!

Headline about HarborOne.

Imagine these types of acquisitions now happening to YOU!

It’s possible when you buy my recommendations now.

You’ll get access to the first 5 stocks that could be acquired soon right now. 

Join the Bank Takeover Letter now and you’ll open your first issue in minutes. 

But that’s not all. 

Every week, I’ll release a weekly update on our stocks, plus answer your investing questions in the
Takeover Mailbag series

I’ve done this with my other services and subscribers love them. 

Essentially, you can email me any question you have. Ask about investing, bank stocks, my thoughts on the global economy, nothing is off limits. 

I love doing these. 

I shoot the videos right in my home in Florida. (Hawaiian shirt and all!).

Image of Tim Melvin.

These videos can go for 20 minutes depending on if I go on a rant!

If you send me a question, I can almost guarantee I’ll answer it on a weekly mailbag.

Everything you get with the BTL.

What would you pay for bank takeover targets when I have a 98.5% win rate and 32% of the picks end up over 100%?

Average pick has a 83% profit. 

That beats most hedge funds who barely beat the market. 

Not to mention, you’re diversified in a sector that’s still consolidating and necessary for day-to-day life. Everyone needs money to borrow!

If you have $50,000 allocated across all positions…

An 83% average profit means you’re generating $41,500 in profit!

Over the past decade, if you had invested $5,000 into every single pick…

You’d walk away with $270,593 in profits alone!

What is something like that worth? 

For $270k in profits, you’d happily pay $10-$15k I’m sure. I would!

A bank analyst doing all the work I’m doing would charge you $192k/year I’d estimate? 

For the Bank Takeover Letter… the #1 bank takeover letter on the market with a 98.5% success rate…

I’d normally charge $4,997.

After all, you could’ve become a millionaire following all my picks (winners and losers).


That’s a steal with how much in profits you could make. 

But I’m not charging $4,997…

Not $3,997…

Not $2,997…

Not even $1,997!

How would you like 70% OFF right now?

Because this is the early launch of Bank Takeover Letter, I’m cutting the price all the way down to $1497.

A mere $4.10 per day. Less than lunch tomorrow.

Click the button below and you’ll be taken to a secure page to join for a mere $4.10/day right now. 

And I don’t want you to stay on the fence. 

That’s why:

I told my publisher I wouldn’t launch this service without my 60-day money back policy

I only want people who WANT to be in this service. 

However, I still want you to feel protected when purchasing. After all, very few people out there are talking about bank stocks. 

You deserve to join a service and test it out for the first 60 days. 

That’s why, for the next 60 days, if at any time you feel Bank Takeover Letter is not for you, I’ll give you a full refund. No questions asked. 

You’re covered 100% by me to absolutely love this service. 

It’s a lot of fun investing in small banks… 

And then to see the press release come through saying “GNBC bank being acquired.”

Headline about the deal of the week.

Imagine when this similar headline hits your inbox for your next bank stock
There’s nothing like the excitement of seeing your stock getting bought out!
(this one landed us a 194% return in 2 years)

It’s quite a thrill.

And 5 takeover targets is just the beginning…

We will get close to 18 takeover targets in the Bank Takeover Letter portfolio by the end of Year 1. 

Meaning, there are a dozen more plays coming

down the pipeline for you.

Even though this is a buy-and-hold service…

That doesn’t mean there isn’t any ‘fun.’ 

Not only are you getting alerts when to sell for big profits…

I’m adding more takeover targets every single month. 

You’re starting with 5 right now…

By the end of Year 1, I estimate we’ll be around 18 in the portfolio. 

In the past, I’ve had up to 40 small banks in the portfolio at one time. 

So, these first 5 picks aren’t the end. 

It’s just the beginning. 

By next month, you’ll have more.

Various testimonials about Melvin.

As others are bought out, more will take their place…

Dozens of triple-digit winners in your future with bank takeovers

I’m closing out a bank takeover trade, on average, 5X per year. 

ASBI blurb.

If over the next 37 years, there are 5 bank takeover closeouts… and 32% of them go for 100%+ gains…

You’re looking at potentially 59 triple-digit winning opportunities in the years and decades to come. 

That alone could be enough to retire on and pass on wealth to your children and grandchildren. 

But you must join the Bank Takeover Letter right now. 

And seats will fill up.



Only 500 387 investors will be allowed into the Bank Takeover Letter

Once I reach that number,
I’m closing the door. 

You will only be allowed in as subscribers fall out one-by-one. The waiting list could stretch for years. 

This isn’t a marketing gimmick. 

Because these stocks are so small, I can only let in a certain number of subscribers. 

I mean, one of these stocks is a $68M market cap. Compare that to Microsoft with an over $1 trillion dollar market cap. I could funnel hundreds of thousands of investors into Microsoft and it wouldn’t budge the stock. With small stocks, it’s much different. 

Only 500 387 will be allowed to see these picks. 

If at any point, you cancel or your payment doesn’t go through… your spot is taken and given to someone else. You’ll then be at the back of the line. 

I honestly expect the waitlist to be for years. 

That sounds rough, but it’s the truth. 

Last time I launched a bank letter (to larger cap stocks), I had 1,000 subscribers in 7 days. 

Seats fill up that fast. 

As the 500 387 spots fill up …

$1497 is the lowest price you will see. 

As we hit 200… 300 people…

We will push the price up to $1,997… then $2,997. 

Don’t wait and join now. You’re backed by a 60-day money back policy. 

Even more importantly, though: 

Joining now makes sure you get in before a takeover announcement happens. 

Once an announcement of a takeover happens…

It’s too late. 

There could be news tomorrow. I don’t know. 

I’m telling you about 5 that are still “buy now” opportunities. I even gave you the ‘buy up to’ price. 

They are still stocks to buy or else you wouldn’t be reading this. 

However, you must join Bank Takeover Letter to get my acquisition targets. 

Click the button below and join on the next page. 

I’ll see you inside, 


Tim Melvin

Editor of Bank Takeover Letter

Bank Takeover Letter iPad Newsletter



How does The 20% Letter and Bank Takeover Letter differ? 

Great question. 20% Letter is a mere intro into bank stocks. We’re collecting high dividends but shooting for 20% gains. Bank Takeover Letter is a pure ‘stack-your-capital’ play where we’re looking for big gains from banks. Some of the banks pay dividends, but many don’t. Over 10 years, we’ve averaged 50% compounded gains each year. More than double 20% Letters. 

Doesn’t mean only use one or the other. One strategy is take the dividends from 20% Letter and invest those back into Bank Takeover Letter to make your takeover gains even bigger!

Since we hold these stocks for a long time, I can just join, get the picks and cancel

I am leaving myself open to being taken advantage of. But it also wouldn’t be a smart move to just buy the stocks and cancel. 

First, I’m NOT releasing all my bank stock picks at once. My plan is to have a portfolio of 18 bank stocks. But, it’ll take me months to build up that portfolio. Likely 12 months minimum. 

Second, these aren’t ‘buy and hold blind’ bank stocks. If non-performing loans go up fast, the board of directors changes over, branch locations close, customer deposits drop, etc… I would sell the stock tomorrow. If you aren’t part of the service, you won’t know this. 

I’m telling you, these are stocks you’ll hold for years and I’ll be here helping you along the way. We aren’t day trading or swing trading. You’ll need to be reading the financial statements, SEC filings and contacting the CEO (like I do) to stay on top of everything. 

Let me do the work for you. 

How much do I need to invest today? 

To buy the bank stocks? As little as $68 to get one share of each of these 5 stocks. 

To invest in the Bank Takeover Letter? Normal price will be $4,997. Since this is an early launch… 70% off at $1497. 

And that number is going up very soon. Again, only 500 investors are allowed in. You’re receiving an early sneak peek at a discounted price. 

I expect this service to go for $1,997 or even $2,997 in 2023. 

Why only 500 people allowed in? Is this a marketing gimmick? 

I wish it was a marketing gimmick. But I’m not much of a marketer. 

The 500 people in is a real number. These stocks are NOT large cap companies. You won’t find Wells Fargo or Bank of America stock in the Bank Takeover Letter. Not even close. 

Guys, these companies are tiny. Some are 2 locations deep. Bank of America has over 6,402 locations to compare. 

I have another newsletter that is more dividend focused and includes many larger bank stocks. I can allow in tens of thousands of subscribers and it’s fine. 

With a small-cap bank, I can’t flood the stock with thousands of subscribers. It would dramatically move the stock. 

Some of these stocks only do 1,000-2,000 shares of volume! If someone buys $25,000 worth of a bank stock, they could materially move the stock. There may not even be enough volume to fill the order. 

Another reason to stick around with me. You may have to buy these small cap banks in increments. You can’t just dump $100,000 into the stock without seeing the stock jump. 

So, to keep things steady in the markets, I’m only allowing 500 of my best investors in. 

If you join and spots fill up, but then you refund, you may not be able to get back in for years. 

Will there be a waitlist if the 500 spots are filled up? 

Yes. Once someone leaves or their payment goes into default, they are out and the next person in line is in. 

If you get knocked out, you may not be able to get back in for years. 

When I launched my first bank letter in 2022, we had 1,000 subscribers in a week. 

500 will fill up fast. 

Is there a refund policy for Bank Takeover Letter if I find it’s not for me? 

Of course. You get 60-days risk free to try it out. If after that, you don’t think it’s for you, get a full refund of every penny. 

What’s the goal of the Bank Takeover Letter? 

To buy bank stocks that are takeover targets. The timeframe could be 12 months or a few years. There’s no telling as the banking industry moves slowly. 

I have made 65 recommendations over the past decade… 64 were profitable. 

32% went for 100%+ gains. Meaning, every three picks doubled your money. 

That’s our goal. 

Why are banks consolidating so fast? 

They’ve been consolidating since the 90s. We had 18,000 banks in the 80s. Now, we’re at 4,700 averaging 117 takeovers annually. At that pace, we still have another 37 years before we get to a manageable bank tally compared to other countries. 

Banks are consolidating due to increased costs, old, small banks can’t keep up with the tech, less need for physical branches, large banks want to grow faster (it’s faster to grow by acquisition than organically). Those are just a few reasons. 

Why join Bank Takeover Letter today? 

You’ll get my 5 top banks about to be acquired. There are only 500 spots. This bank consolidation trend is proven and is “accelerating” according to the Cleveland Federal Reserve. Not to mention, I have a 98% success rate recommending bank takeovers. 

Meaning, all 5 of these banks should be profitable picks. Nothing is guaranteed, of course, but my track record is there. No one else can match it. 

My last picks would’ve made you a millionaire starting with $25k.

As banks feel the crunch of low interest rates… I expect the consolidation pace to pick up.

This could be your future right now.

Join me inside the Bank Takeover Letter now!