Editor's note: The following are questions received from viewers of "Mad Money," seen every day at 6 p.m. EDT on CNBC. I know that you don't like bank stocks these days. Even so, with stocks like Flagstar Bancorp (FBC) yielding 7.2% and trading at just 9 times expected full-year earnings, how cheap is the sector going to get? -- Jack from Virginia James J. Cramer: The one caveat you should remember about the banks is that we're coming off a period when they were just printing money because the spread between short-term and long-term interest rates was at its peak. Companies like Flagstar are likely to see their margins contract in the coming quarters, just as the bank warned earlier in the month. With that in mind, if you must have exposure to this group, I believe you need to focus on stocks like Bank of America ( BAC) that cover their dividends at least two times with earnings. I've had Ceradyne (CRDN) for a year now, and finally am seeing the stock move higher. Should I sell the shares, or hold on? -- Marie from Tennessee James J. Cramer: I believe you should hold on to the stock for the time being, because the demand for the company's military and advanced technical products will continue to grow in the coming quarters. Is Eastman Kodak (EK) a broken company or a broken stock? -- David from Texas James J. Cramer: If it's possible, both answers are correct. The company has transformed itself from a pure traditional film company into a play on digital cameras and medical imaging, yet it has shown that it can't compete with its foreign rivals. Kodak's dividend has all but disappeared while its debt and legacy employee costs continue to rise. While it may be tempting to try to find value here, I believe viewers should avoid the stock. Want more Cramer? Check out Jim's rules and commandments for investing from his latest book by clicking here. Learn how to become a better investor.