Savvy investors are always looking for the next great stock opportunity. Often, we can find good ideas by looking no further than the products and services right under our noses. In fact, investing greats like Warren Buffett have made billions in the market by buying what they know.
Let's take a look at three stock picks that are fitting for the summer season.
Chevron (NYSE: CVX )
Source: Wikimedia Commons
Since many of us will pack up our cars and head out on the open road this summer, oil and gas companies spark investment inspiration. Chevron is the most profitable major oil and gas company. For year-end 2011, the company posted record profit.�Chevron boasts a very healthy financial position, evidenced by $17 billion in balance sheet cash, which remains greater than its $12 billion in long-term debt. Chevron plans to boost its oil and gas volumes by roughly 20%, to 3.3 million barrels per day, by 2017, primarily by increasing liquefied natural gas plants, developing deepwater oil fields, and boosting shale production.
Top Restaurant Companies To Buy For 2015: Hauppauge Digital Inc.(HAUP)
Hauppauge Digital Inc. engages in the design, development, manufacture, and marketing of analog and digital TV tuner products for the personal computer (PC) market in the Americas, Europe, and Asia. It offers video recorder products, such as USB-Live2, a standard definition video recorder used to record video tapes and other types of video into a PC; HD PVR, a high-definition video recorder for making real-time H.264 compressed video recordings at resolutions up to 1080i, and to record old home video tapes into an AVCHD format; and Colossus to record high definition video from a cable TV or satellite set top box, or an Xbox 360 or Sony playstation 3 game console. The company also provides TV receivers, including Broadway that connects to a TV signal and then transmits that TV signal through a Wi-Fi network or the Internet; analog TV tuners to enable a PC user to watch analog cable TV in a resizable window; digital TV receivers and hybrid analog/digital TV receivers, which allow a PC user to watch digital television in a resizable window on a PC or laptop screen; and PCTV TV tuner products that allow users to view television programming on their computers. In addition, it offers non-TV tuner products comprising WinTV application, a PC-based TV watching, pause, and recoding application; WinTV Extend software product, a PC-based Internet video server that streams live TV or other video content to remote devices; Impact video capture board for PC-based video conferencing and video capture in industrial applications; MediaMVP-HD, a Linux-based digital media device that links TV sets and PCs; and MediaMVP to watch and listen to PC-based videos, music, and pictures on a TV set through a home network, as well as provides an on-TV-screen display of media directory listings. The company sells its products through retailers, PC manufacturers, and distributors. Hauppauge Digital Inc. was founded in 1994 and is headquartered in Hauppauge, New York.
Advisors' Opinion:- [By Monica Gerson]
Hauppauge Digital (NASDAQ: HAUP) shares fell 8.70% to touch a new 52-week low of $0.42. Hauppauge Digital shares have dropped 61.02% over the past 52 weeks, while the S&P 500 index has gained 18.17% in the same period.
Top 10 Warren Buffett Stocks To Buy Right Now: Piper Jaffray Companies(PJC)
Piper Jaffray Companies provides investment banking, institutional brokerage, asset management, and related financial services to corporations, private equity groups, public entities, non-profit entities, and institutional investors in the United States, Asia, and Europe. The company raises capital through equity financings; provides advisory services, primarily relating to mergers and acquisitions for its corporate clients; underwrites debt issuances; and offers financial advisory and interest rate risk management services. Its public finance investment banking capabilities focus on state and local governments, as well as healthcare, higher education, housing, hospitality, transportation, and commercial real estate industries, as well as operates in business and financial services, clean technology and renewables, consumer, and industrial growth, as well as media, telecommunications, and technology industries. The company also offers equity and fixed income advisory and t rade execution services for institutional investors, and government and non-profit entities; and is involved in proprietary trading, as well as has equity sales and trading relationships with institutional investors. In addition, it provides asset management services to separately managed accounts, private funds or partnerships, and open-end and closed-end registered investment companies or funds; and offers an array of investment products comprising small and mid-cap value equity, and master limited partnerships focused on the energy industry, as well as fixed income. Further, the company engages in merchant banking activities, which comprises proprietary debt or equity investments in late stage private companies, and investments in private equity and venture capital funds, as well as other firm investments and forfeiture of stock-based compensation. Piper Jaffray Companies was founded in 1895 and is headquartered in Minneapolis, Minnesota.
Advisors' Opinion:- [By Sean Williams]
What: Shares of investment banking and asset management firm Piper Jaffray (NYSE: PJC ) sank as much as 11% after reporting disappointing second-quarter earnings results.
- [By victorselva]
The Charles Schwab Corporation (SCHW) is a savings and loan holding company. The company is engaged, through its subsidiaries, in securities brokerage, banking, money management, and financial advisory services. Its subsidiaries include Charles Schwab & Co. (a leading discount broker-dealer), Charles Schwab Investment Management (a mutual fund investment advisor) and Charles Schwab Bank.In this article, let's take a look at this brokerage firm and try to explain to investors the reasons this is an apparently appealing investment opportunity.The FocusThe company provides financial services to individuals and institutional clients through two segments: Investor Services and Institutional Services. The Investor Services segment provides retail brokerage and banking services to individual investors. The Institutional Services segment provides custodial, trading, and support services to independent investment advisors. The Institutional Services segment also provides retirement plan services, specialty brokerage services, and mutual fund clearing services. The company seeks to meet the financial services needs of investors, advisers and employers. It focuses on building client loyalty with the goal of attracting new clients and serving them. Additionally, Schwab麓s strengths through shared core processes and technology advances which help create services that are scalable and consistent with the business.Interest Rates, Capital Structure and Debt-to-Capital RatioThe results are dependent on short-term interest rates, as 37% of its top line came from net interest income in the first quarter of 2014.The broker has been making significant efforts to become less dependent on interest rates, which we expect Federal Reserve will raise them in late 2014 or 2015. Also, the company麓s plan is to reach a low-cost capital structure and targets a long-term debt-to-total financial capital ratio of less than 30%.Lucrative Derivatives Trading In 2011, the company acquired Compl
- [By Rich Smith]
Investment banker Piper Jaffray (NYSE: PJC ) expanded its municipal debt business Wednesday, when it purchased Seattle-Northwest Securities in a transaction valued at approximately $21 million.
- [By EXPstocktrader]
3) Piper Jaffray (PJC): Recent weakness is unwarranted as the landscape for Acthar remains favorable: OVERWEIGHT (BUY) rating and $74 PT
4) CRT Capital: BUY rating and $79 PT.
Top 10 Warren Buffett Stocks To Buy Right Now: Bar Harbor Bankshares (BHB)
Bar Harbor Bankshares (BHB), incorporated on January 19, 1984, is a bank holding company. The Company has one wholly owned operating subsidiary, Bar Harbor Bank & Trust (the Bank), which offers a range of deposit, loan, and related banking products, as well as brokerage services provided, through a third-party brokerage arrangement. In addition, the Company offers trust and investment management services, through its subsidiary, Bar Harbor Trust Services (Trust Services), a trust company. These products and services are offered to individuals, businesses, not-for-profit organizations and municipalities. In August 2012, the Company announced that its principal subsidiary, Bar Harbor Bank & Trust, acquired Border Trust Company (Border Trust), a subsidiary of Border Bancshares, Inc.
Bar Harbor Bank & Trust
The Bank has 12 branch offices located throughout downeast and midcoast Maine, including its principal office in Bar Harbor. The Bank�� offices are located in Hancock, Washington and Knox Counties, representing the Bank�� principal market areas. The Hancock County offices, in addition to Bar Harbor, are located in Blue Hill, Deer Isle, Ellsworth, Northeast Harbor, Somesville, Southwest Harbor, and Winter Harbor. The Washington County offices are located in Milbridge, Machias, and Lubec. The Knox County office is located in Rockland. The Bank delivers its operations and technology support services from its operations center located in Ellsworth, Maine.
The Bank is a retail bank serving individual and business customers, retail establishments and restaurants, seasonal lodging, biological research laboratories, and a contingent of retirees. As a coastal bank, it serves the tourism, hospitality, lobstering, fishing, boat building and marine services industries. It also serves Maine�� wild blueberry industry through its Hancock and Washington County offices. The Bank operates in a market that includes other community banks, savings institutions, credit unions, a! nd branch offices of statewide and interstate bank holding companies located in the Bank�� market area.
The Bank offers a variety of consumer financial products and services. The Bank�� retail deposit products and services include checking accounts, interest bearing negotiable order of withdrawal (NOW) accounts, money market accounts, savings accounts, club accounts, short-term and long-term certificates of deposit, health savings accounts and individual retirement accounts. Credit products and services include home mortgages, residential construction loans, home equity loans and lines of credit, credit cards, installment loans, and overdraft protection services. The Bank provides secured and unsecured installment loans for new or used automobiles, boats, recreational vehicles, mobile homes and other personal needs. The Bank also offers other customary products and services, such as safe deposit box rentals, wire transfers, check collection services, foreign currency exchange, money orders, and United States Savings Bonds redemptions.
The Bank retains Infinex Investments, Inc., (Infinex) as a third-party broker-dealer, conducting business business name Bar Harbor Financial Services. Bar Harbor Financial Services is a branch office of Infinex, an independent registered broker-dealer offering securities and insurance products that is not affiliated with the Company or its subsidiaries. Bar Harbor Financial Services principally serves the brokerage needs of individuals, including first-time purchasers and investors. It also offers a line of life insurance, annuity, and retirement products, as well as financial planning services. The Bank offers Internet banking services, including free check images and electronic bill payment, through its Website at www.BHBT.com. Additionally, the Bank offers TeleDirect, an interactive voice response system, through which customers can check account balances and activity, as well as initiate money transfers between their accounts. Automated te! ller mach! ines (ATMs) are located at each of the Bank�� 12 branch locations, as well as two machines in non-Bank locations. The Bank is also a member of Maine Cash Access, providing customers with surcharge-free access to 217 ATMs throughout the state of Maine. Visa debit cards are also offered, providing customers with free access to their deposit account balances at point of sale locations worldwide.
The Bank serves the small business market throughout downeast and midcoast Maine. It offers business loans to individuals, partnerships, corporations, and other business entities for capital construction, real estate and equipment financing, working capital, real estate development, and a range of other business purposes. Business loans are provided primarily to organizations and sole proprietors in the tourism, hospitality, healthcare, blueberry, boatbuilding, and fishing industries, as well as to other small and mid-size businesses associated with coastal communities.
The Bank offers a variety of commercial deposit accounts, including business checking and tiered money market accounts. These accounts are typically used as operating accounts or short-term savings vehicles. The Bank�� cash management services provide business customers with short-term investment opportunities through a cash management sweep program, whereby excess operating funds over established thresholds are swept into overnight securities sold under agreements to repurchase. The Bank also offers Business On Line Direct (BOLD), an Internet banking service for businesses. This service allows business clients to view their account histories, print statements, view check images, order stop payments, transfer funds between accounts, transmit automated clearing house (ACH) files, and order both domestic and foreign wire transfers. The Bank also offers remote deposit capture, enabling its business customers to deposit checks remotely. Other commercial banking services include merchant credit card processing provided throu! gh a thir! d party vendor, night depository, and coin and currency handling.
Bar Harbor Trust Services
Trust Services provides a range of trust and investment management services to individuals, businesses, not-for-profit organizations, and municipalities. Trust Services serves as trustee of both living trusts and trusts under wills, including revocable and irrevocable, charitable remainder and testamentary trusts, and in this capacity holds, accounts for and manages financial assets, real estate and special assets. Trust Services offers custody, estate settlement, and fiduciary tax services. Additionally, Trust Services offers employee benefit trust services, for which it acts as trustee, custodian, administrator and/or investment advisor, for employee benefit plans and for corporate, self employed, municipal and not-for-profit employers located throughout the Company�� market areas. As of December 31, 2011, Trust Services served 758 client accounts.
Advisors' Opinion:- [By Marc Bastow]
Bar Harbor, Maine based bank holding company Bar Harbor Bankshares (BHB) raised its quarterly dividend 1.6% to 32 cents per share, payable on Dec. 13 to shareholders of record as of Nov. 15. The increase marks the 10th consecutive quarter of dividend increases.
BHB Dividend Yield:�3.39% - [By Marc Bastow]
Bar Harbor, Maine-based bank holding company Bar Harbor Bankshares (BHB) raised its quarterly dividend 1.6% to 32.5 cents per share, payable on Mar. 14 to shareholders of record as of Feb. 15.
BHB Dividend Yield: 3.37%
Top 10 Warren Buffett Stocks To Buy Right Now: Community Trust Bancorp Inc.(CTBI)
Community Trust Bancorp, Inc. operates as the holding company for Community Trust Bank, Inc. that provides various banking products and services. It accepts various deposit product that include checking accounts, regular and term savings accounts and savings certificates, commercial demand deposit accounts, individual retirement accounts and Keogh plans, non interest bearing deposits, NOW accounts, money market deposits, savings accounts, and certificates of deposit and other time deposits. The company?s loan portfolio comprises residential and commercial real estate loans; commercial loans; commercial, construction, mortgage, and personal loans; and lease-financing, lines of credit, revolving lines of credit, term loans, and other specialized loans, including asset-based financing. It also provides full service securities brokerage services; annuity and life insurance products; trust services; debit cards; cash management services to corporate and individual customers; l etters of credit; safe deposit boxes; and funds transfer services. In addition, the company acts as a trustee of personal trusts, an executor of estates, trustee for employee benefit trusts, registrar, transfer agent, paying agent for bond and stock issues; and depositor for securities, as well as provides full service brokerage services. Community Trust operates 80 banking locations in eastern, northeastern, central, and south central Kentucky; southern West Virginia; and northeastern Tennessee, as well as 5 trust offices across Kentucky. The company was founded in 1903 and is headquartered in Pikeville, Kentucky.
Advisors' Opinion:- [By Dividends4Life]
Fair Value: In calculating fair value, I consider the NPV MMA Differential Fair Value along with these four calculations of fair value, see page 2 of the linked PDF for a detailed description:
1. Avg. High Yield Price
2. 20-Year DCF Price
3. Avg. P/E Price
4. Graham Number
HRL is trading at a premium to all four valuations above. The stock is trading at a 27.6% premium to its calculated fair value of $35.92. HRL did not earn any Stars in this section.
Dividend Analytical Data: In this section there are three possible Stars and three key metrics, see page 2 of the linked PDF for a detailed description:
1. Free Cash Flow Payout
2. Debt To Total Capital
3. Key Metrics
4. Dividend Growth Rate
5. Years of Div. Growth
6. Rolling 4-yr Div. > 15%
HRL earned one Star in this section for 2.) above. The stock earned a Star as a result of its most recent Debt to Total Capital being less than 45%. The company has paid a cash dividend to shareholders every year since 1928 and has increased its dividend payments for 48 consecutive years.
Dividend Income vs. MMA: Why would you assume the equity risk and invest in a dividend stock if you could earn a better return in a much less risky money market account (MMA) or Treasury bond? This section compares the earning ability of this stock with a high yield MMA. Two items are considered in this section, see page 2 of the linked PDF for a detailed description:
1. NPV MMA Diff.
2. Years to > MMA
HRL earned a Star in this section for its NPV MMA Diff. of the $984. This amount is in excess of the $500 target I look for in a stock that has increased dividends as long as HRL has. If HRL grows its dividend at 13.2% per year, it will take 7 years to equal a MMA yielding an estimated 20-year average rate of 3.68%.
Memberships and Peers: HRL is a member of the S&P 500, a Dividend Aristocrat, a member of the Broad Dividend Achiever - [By Dividends4Life]
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- Nucor Corporation (NUE) Dividend Stock Analysis
- The Clorox Company (CLX) Dividend Stock Analysis
- Community Trust Bank Corp. (CTBI) Dividend Stock Analysis
- Colgate-Palmolive (CL) Dividend Stock Analysis
- More Stock Analysis - [By Dividends4Life]
Linked here is a detailed quantitative analysis of Community Trust Bank Corp. (CTBI). Below are some highlights from the above linked analysis:
Company Description: Community Trust Bank Corp. owns and operates Community Trust Bank, Inc. of Pikeville, KY, which provides commercial banking services in Kentucky and West Virginia; and a trust company.
Top 10 Warren Buffett Stocks To Buy Right Now: Gazprom OAO (GAZP)
Gazprom OAO is a Russia-based company engaged in the operation of gas pipeline systems and gas supply to European countries. In addition, it is involved in the oil production and refining activities, as well as energy generation. It�� activities comprise exploration and production of gas, transportation of gas, sale of gas domestically and abroad, gas storage, production of crude oil and gas condensate, processing of oil, gas condensate and other hydrocarbons, and sales of refined products, as well as electric and heat energy generation and sales. On January 9, 2013, the Company sold its 76.69% stake in Zapsibgazprom OAO and whole stake in March Kauno termofikacijos elektrine. In April 2013, it also created Gazprom Invest LLC, as well as, signed a purchase-sale contract for shares in 72 gas distribution organizations belonging to Rosneftegaz OAO. In November 2013, the Company raised its stake to 100% in CJSC Gazprom Neft Orenburg. Advisors' Opinion:- [By Ian Sayson]
Russian stocks fell for a third day as crude oil, the nation�� chief export earner, retreated. Mechel fell to the lowest level since Sept. 6, while OAO Gazprom (GAZP), the natural-gas export monopoly, retreated 0.9 percent.
Top 10 Warren Buffett Stocks To Buy Right Now: Masimo Corporation(MASI)
Masimo Corporation, a medical technology company, develops, manufactures, and markets noninvasive patient monitoring products worldwide. The company offers Masimo Signal Extraction Technology (SET), which provides the capabilities of measure-through motion and low perfusion pulse oximetry to address the primary limitations of conventional pulse oximetry; and Masimo rainbow SET products that monitor multiple blood measurements, including oxygen content, carboxyhemoglobin, methemoglobin, hemoglobin, pleth variability index, respiration rate, Halo Index, and In Vivo Adjustment. It develops, manufactures, and markets a family of patient monitoring solutions comprising circuit boards, monitors and devices, sensors, and cables; Masimo SafetyNet, a remote monitoring and clinician notification system; and software for Rainbow measurements, as well as other future measurements or features. The company sells its products to hospitals and the emergency medical response organizations through its direct sales force and distributors, as well as to original equipment manufacturer partners in the United States, Europe, the Middle East, Asia, Latin America, Canada, and Australia. Masimo Corporation was founded in 1989 and is headquartered in Irvine, California.
Advisors' Opinion:- [By Seth Jayson]
There's no foolproof way to know the future for Masimo (Nasdaq: MASI ) or any other company. However, certain clues may help you see potential stumbles before they happen -- and before your stock craters as a result.
Top 10 Warren Buffett Stocks To Buy Right Now: United Insurance Holdings Corp (UIHC)
United Insurance Holdings Corp. (UIHC), incorporated on May 22, 2007, is a holding company for United Property and Casualty Insurance Company and its affiliated companies. Its business is conducted principally through four wholly-owned subsidiaries, including United Property and Casualty Insurance Company (UPC), which writes insurance policies; United Insurance Management, L.C. (UIM), the managing general agent that manages substantially all aspects of UPC's business, Skyway Claims Services, LLC (SCS), a claims adjusting company that provides services to UPC; and UPC Re. UPC Re provides reinsurance protection to UPC.
The Company offers standardized policies for a range of exposures, and its policies include coverage options for standard single-family homeowners, tenants (renters), and condominium unit owners. It also writes flood policies. The Company has authorization to write a commercial line of business in Florida that includes auto and multi-peril coverage but the Company does not write commercial business. The Company offers standardized policies for a broad range of exposures, and its policies include coverage options for standard single-family homeowners, tenants (renters), and condominium unit owners.
The Company competes with Citizens Property Insurance Corporation, State Farm Florida Insurance Company, Universal Property & Casualty Insurance Company, St. Johns Insurance Company, Inc., United Services Automobile Association, American Coastal Insurance Company, Florida Peninsula Insurance Company, Security First Insurance Company, Homeowners Choice Property & Casualty Insurance Company, Inc., United Property & Casualty Insurance Company, Tower Hill Prime Insurance Company, Federal Insurance Company, USAA Casualty Insurance Company, Castle Key Insurance Company, American Integrity Insurance Company of Florida, Tower Hill Signature Insurance Company, ASI Assurance Corp., Tower Hill Preferred Insurance Company, Chartis Property Casualty Company and Universal Insurance C! ompany of North America.
Advisors' Opinion:- [By , Zacks Investment Research]
United Insurance Holdings Corp (UIHC) is a holding company that focuses primarily on providing homeowners’ insurance in Florida, South Carolina, Massachusetts, Rhode Island and North Carolina. It is headquartered in St. Petersburg, Fla., and has a market cap of $348 million.
- [By Louis Navellier]
United Insurance Holdings (UIHC) is a great example of a best of the best stock that should climb the wall of worry this summer. Writing homeowners and flood insurance might not be the most exciting business sin the word but the fundamentals of this company are really exciting.
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