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REGIONAL BANK EXPERT AT JANET MONTGOMERY SCOTT. GUYS, WELCOME. DORY, IS THIS AN ISSUE WHERE REGIONALS IN GENERAL ARE SORT OF UNDERPRICED BECAUSE OF UNWARRANTED FEAR? WELL, ITS REGIONALS IN GENERAL AND SPECIFIC STOCKS. THIS FEAR TRADE MANIFESTS ITSELF FOR DIFFERENT FEARS. IT COULD BE COMPANY SPECIFIC, INDUSTRY, THE ECONOMY OR GEOPOLITICAL AND ANY OF THOSE GO WRONG THE BANK STOCKS GET HAMMERED. SO WHAT YOUVE GOT TO DO AS A STOCK INVESTOR AND GO WHICH ONE OF THOSE FEARS ARE PLAYING INTO MY STOCK AND IS IT FUNDAMENTALLY WRONG OR MISPLACED? FOR EXAMPLE, SOMETHING HAPPENS OVER IN CHINA AND YOU HAVE A COMMUNITY BANK IN TEXAS SELL OFF, THAT MAY CREATE A BUYING OPPORTUNITY. OKAY, SO, CHRIS, IF I RECALL, THE KRE WAS DOWN IN THE HIGH MID-30s AT ONE POINT, BOUNCED BACK TO 50+ AND NOW ITS IN THE MID-40s. SO WHERE DOES IT DESERVE TO BE? BECAUSE IT SEEMS LIKE THINGS GOT OVERHEATED FOR A WHILE AND WEVE STILL GOT SOME LINGERING FEARS AROUND OFFICE OUT THERE. I THINK THE S