Editor's Note: This originally was sent to subscribers of Action Alerts PLUS as an alert on Jan. 21 at 2:42 p.m. EST. Cramer holds PNC and J.P. Morgan in his Action Alerts PLUS portfolio.Do you ever wish a stock would go lower so you could buy more? That's where I am with PNC Financial ( PNC). This company is not big enough to go it alone in a world where the Bank of Americas ( BAC) and the J.P. Morgans ( JPM) rule. PNC has a fine balance sheet and a good brand name, and is the single most-likely-to-be-taken-over name in the business. Normally, I am loath to speculate on takeovers. But if you are going to pay me a 3.8% dividend while I wait for one and deliver earnings that I regard as OK, I will take my chances. I listened to the earnings conference call and all of the metrics were fine. There was nothing even eyebrow-raising. Of course, there are plenty of other people in PNC who were hoping for a takeout TODAY and didn't get one. They are selling. Me, I've done some buying in PNC already today. And I am grateful. P.S. One of the keys to successful investing is a smart portfolio strategy. So you might want to consider a FREE TRIAL to TheStreet.com Action Alerts PLUS, where I trade my own $3 million portfolio and advise you on my every move before I act.