You are a free subscriber to Me and the Money Printer. To upgrade to paid and receive the daily Capital Wave Report - which features our Red-Green market signals, subscribe here. Why Community Banks.... You'll See...This is a remarkable way to take advantage of the Money Printer and have a real chance at crushing the market.
Good afternoon: I’m at the Orioles game with my daughter and father-in-law, Tim Melvin. The weather held up, but obviously, we’re watching two last-place teams. So, there was a lot of ice cream, walking to the Team Store, and conversation about the markets. Today, I want to show you how powerful a strategy Tim offers in community banking… But I asked him to put it all in his own words… You’ll learn something VERY important today… For 30 Years, I've Beaten the Market By Investing in the One Sector Wall Street Ignores. And Now, Coming Regulatory Changes Could Send These Stocks Soaring Overnight Dear Fellow Investor, My name is Tim Melvin. I don't have an Ivy League degree. I didn't graduate high school (just got my GED). And I've never worked at a fancy Wall Street firm. But for the past three decades, I've consistently outperformed most of those Brooks Brothers-wearing "experts" by focusing on one overlooked corner of the market: Community banks. Right now, as I write this, one of my dividend portfolios, which I launched in 2022, has absolutely smashed the market's returns, with 100% winners. And my banking strategy? It's beaten the broader market by an astounding 2,325% over the past 22 years. Let me put that in dollar terms that matter to you: If you had invested $25,000 following my community bank approach starting in 2000, you could be sitting on more than $4 million today. That same $25,000 in an S&P 500 index fund? Just $166,465. That's the difference between a comfortable retirement and a truly wealthy one. But here's what has me more excited than I've been in years: The Current Administration Is About to Create the Biggest Banking Boom in Decades Treasury Secretary Scott Bessent has been quietly pushing for regulatory changes that would make community bank acquisitions much easier. The administration understands that America has far too many banks compared to other developed nations. We currently have 10 TIMES more banks than other major countries. This regulatory shift could accelerate the already rapid pace of bank consolidations - and send the share prices of these small institutions skyrocketing. A single tweet from the President announcing these changes could send our bank stocks soaring literally overnight. That's why I'm writing to you today with some urgency. After parting ways with my previous publisher and launching my own research service, I'm opening up my complete community bank investing strategy to a small group of serious investors. But before I explain how you can join us, let me address the question I know you're asking... "Why Would I Want to Invest in Bank Stocks?" I hear this all the time. "Aren't banks boring?" "Didn't banks collapse during the 2008 crisis?" "Won't they get crushed if interest rates change?" Let me address these concerns head-on: Concern #1: "Bank stocks are boring" Yes, they are boring. And that's EXACTLY why they're so profitable. While everyone else is chasing the latest AI stock or cryptocurrency, smart money is quietly accumulating shares of well-run community banks trading at dirt-cheap valuations. I once met a broker I call "3-Martini Matt" who showed up at 9:30, took long lunches, and left at 4:01 sharp. Yet he was richer than all the other brokers burning the midnight oil. His secret? "Melvin... if you're not invested in banks, you're an idiot. Banks run everything." He owned multiple luxury homes while others struggled - all from the "boring" business of bank investing. Concern #2: "Banks are risky after 2008" Today's banks are completely different beasts. According to the Davis Funds: "Our largest U.S. banks today hold 96% more capital relative to their risk-weighted assets than before the crisis." In June 2022, the Federal Reserve announced that "All banks" passed its stress tests with flying colors. The banking sector is stronger than it's been in decades. Concern #3: "What about interest rate changes?" Here's something most investors don't understand: Banks LOVE rising interest rates. While tech stocks and other sectors get hammered when rates rise, banks actually benefit because they earn more on their spreads. That's why my banking strategy has beaten the market 82% of the time over the past 22 years. The only years it didn't outperform? When the Fed was aggressively lowering rates - which isn't happening anytime soon with inflation still running hot. The Real Reason Wall Street Ignores These Stocks (And Why That Creates Your Advantage) So if community banks are such great investments, why doesn't Wall Street talk about them? The answer is simple: They're too small. When you're managing billions of dollars, you simply can't invest enough in a $200 million community bank to move the needle on your portfolio without buying the whole bank - which institutional investors don't want to do. But for you and me? That's our advantage. With our smaller portfolios, we can buy meaningful positions in these banks and enjoy tremendous upside when they:
This is why I've been able to deliver winners like:
And at this very moment, I'm tracking several tiny banks that could be the next big winners for my subscribers. My Personal Journey to Banking Success I wasn't born into money. Far from it. I grew up in the Baltimore projects, raised by a single mom. I didn't even finish high school, getting my GED instead. In high school, I pounded the pavement as a door-to-door salesman just to help make ends meet - sweating through my socks and having dogs sicced on me for "intruding" on people's property. That experience taught me grit and perseverance, which helped me break into the brokerage business. Over the years, I've developed a reputation for accuracy:
On June 20, 2022, when the S&P had plummeted 23.4% from its highs, I called for what I described as a "rip-your-face-off rally." The very next day, stocks gapped up and took off, with the S&P 500 gaining 17% in just one month. Then in September 2022, while others were getting euphoric about the bear market rally, I warned that "things will get a lot worse." One week later, the market dropped 1,000 points in a single session - the worst day since 2020. I'm not sharing this to brag, but to show you that I take your financial future seriously. When you follow my recommendations, you're partnering with someone who has a proven track record of getting it right. My 2-Part Framework for Finding Banking Winners So how do I identify these banking sector winners? It comes down to two simple criteria:
Of course, there's a lot more analysis that goes into my final picks:
This is the work I've been doing every day for 34 years, spending my evenings and weekends poring over SEC filings even after taking my granddaughter to the zoo. And now, for the first time since striking out on my own, I'm ready to share my highest-conviction plays with a small group of serious investors. Introducing: Community Bank Investor After decades of refining my approach, I'm launching my most focused service yet. Community Bank Investor will give you direct access to my handpicked portfolio of the most promising small bank stocks in America. These aren't the Wells Fargos or Bank of Americas that everyone knows about. They're off-the-radar institutions that most Wall Street analysts ignore completely. Many are so small that big institutional investors can't even buy them. But you can - and that's our advantage. When you subscribe to Community Bank Investor today, you'll get immediate access to:
What Your Fellow Investors Are Saying About My Work "This service is incredible because you really know what you are doing! Truly very impressive! I only wish I would have devoted a larger portion of my portfolio to it earlier." - Richmond B. "Melvin's results speak for themselves. He is shooting the lights out in a completely underfollowed sector. I wouldn't trust anyone else." - Tobias C. "Tim Melvin has a no-nonsense approach to investing. He has decades of experience. He has perspective, wisdom, and a sublime sense of humor. If you wish to trade your own account and pick your own stocks, Tim's advice is first rate." - Steve L. A Special Limited-Time Offer Given my track record, you might expect Community Bank Investor to cost thousands of dollars annually. After all, a single winning recommendation could pay for your subscription many times over. But I want to make this accessible to serious individual investors who are tired of the mainstream financial media's obsession with the same handful of big tech stocks. Right now, you can get a full year of Community Bank Investor for just $499 - that's only $1.37 per day. But you need to act fast. The regulatory changes I mentioned earlier could be announced any day now, sending our target banks soaring. Plus, the first dividend check from my community bank portfolio goes out in a matter of days. If you sign up today, you could start collecting income almost immediately. Remember what my old colleague told me years ago: "If you're not invested in banks, you're an idiot. Banks run everything." That wisdom has helped my subscribers build remarkable wealth through market booms and busts. Now, as interest rates remain elevated, regulatory changes loom, and industry consolidation accelerates, community banks are poised for their biggest growth phase in decades. Some of my past banking recommendations have returned 192%... 194%... even 447%. And the strategy that produced these winners has averaged 26% annual returns over the past 22 years - enough to double your money every 32 months. Imagine where your portfolio could be just a few years from now if you start putting this strategy to work today. Don't miss this opportunity to transform your financial future. [Click Here to Join Community Bank Investor Now] To your success, Tim Melvin Editor, Editor, Community Bank Investor P.S. Remember, my community bank strategy has beaten the S&P 500 by 2,325% over the past 22 years. If you had invested $25,000 following this approach, you could be sitting on more than $4 million today. P.P.S. The current administration's regulatory changes could be announced at any moment, potentially sending our target bank stocks soaring overnight. Don't wait until after these stocks have already taken off - join Community Bank Investor today and position yourself ahead of the crowd. About Me and the Money Printer Me and the Money Printer is a daily publication covering the financial markets through three critical equations. We track liquidity (money in the financial system), momentum (where money is moving in the system), and insider buying (where Smart Money at companies is moving their money). Combining these elements with a deep understanding of central banking and how the global system works has allowed us to navigate financial cycles and boost our probability of success as investors and traders. This insight is based on roughly 17 years of intensive academic work at four universities, extensive collaboration with market experts, and the joy of trial and error in research. You can take a free look at our worldview and thesis right here. Disclaimer Nothing in this email should be considered personalized financial advice. While we may answer your general customer questions, we are not licensed under securities laws to guide your investment situation. Do not consider any communication between you and Florida Republic employees as financial advice. The communication in this letter is for information and educational purposes unless otherwise strictly worded as a recommendation. Model portfolios are tracked to showcase a variety of academic, fundamental, and technical tools, and insight is provided to help readers gain knowledge and experience. Readers should not trade if they cannot handle a loss and should not trade more than they can afford to lose. There are large amounts of risk in the equity markets. Consider consulting with a professional before making decisions with your money.
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