that people keep their money There however banks are more flush with cash than they've ever been in the history of this industry So our rates are rising They do not plan on raising their rates on savings accounts. At least not this year. That's money They have to pay out. So by the way, if you keep it score at home, that's called deposit beta again fancy term Which means the margins a bank makes lending money minus the money it pays out on savings accounts So sell-side analysts they do great research But what they're gonna do is they're gonna compare this cycle is tightening cycle to the past major cycle We saw massive inflation, which is the 80s, right? That's how they model They always look at comps called comparative analysis this way you look at what happened in the past and this is how I'm based on my model in the future and then they Fix the numbers that come up with some kind of target price, right? That's what they do But They're gonna model for their margin to go up a certain (11/34)
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