My old friend David C. Cates has sent me two T-shirts over the years - one with the message "Own a bank stock for fun and profit" and the other stating "Bring back book value."

Dave, who has run training programs for bankers and examiners and has been a leading bank analyst on the Street, is now an independent consultant in Maplewood, N.J., specializing in helping banks of all sizes show their best side to analysts, market makers, and investors.

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