NEW YORK( TheStreet) -- Bank of Montreal ( BMO)'s agreement on Friday to take over Marshall & Ilsley Corp. ( MI) for a 34% premium to Thursday's closing price illustrates just how hot the market is getting for regional M&A. If you consider that the acquirer will have to pay the government $1.7 billion to settle M&I's bailout bill, some of the coming M&A deals will fetch even higher premiums.

"This is really an interesting deal that may play out into the way people evaluate fair values to loans," said Chip MacDonald, a partner at Jones Day. MacDonald points out that acquirers are feeling more confident in assigning tangible book value.

"It was really difficult to price a deal before because you didn't know which way the market was headed," MacDonald said, indicating that banks were in a better place than they were two years ago. "Plus, they are going to repay TARP prior to closing because BMO would have to. They aren't a U.S. bank."

A recent KBW analyst report by Jefferson Harralson agrees that buyers are more confidence in assigning values to execute long term strategies.

"We believe the buyers are incentivized to take large marks and that the banks are making the marks conservative in order to most likely accrete some of the mark back through earnings over time," Harralson wrote in a note. "More banks areeither reaching a breaking point or are near the end of their cumulative losses."

Harralson added that potential buyers could include BB&T ( BBT), PNC Financial ( PNC), and US Bancorp ( USB - Get Report).

Last week, the South Florida Business Journal reported that PNC Financial was considering a bid for Regions Financial ( RF - Get Report), citing two anonymous sources.

"It wouldn't surprise me to see some more Canadian activity in Florida. It is a good demographic for Canadian banks," said MacDonald.

M&T Bank's ( MTB) purchase of the troubled Wilmington Trust ( WL) is another recent deal illustrating an active M&A market, although that one didn't command a premium because Wilmington was in dire need of additional capital.

In addition to the 10 regional banks in the M&A crosshairs that TheStreet identified last month with the help of analysts, Richard Bove of Rochdale Securities named First Horizon National ( FHN) as another potential take-out candidate, saying that Tennessee's dominant bank " failed in all of its national aspirations," but was "on the verge of a turnaround."

Bove added that larger regional banks that "could be interested are Fifth Third ( FITB - Get Report), US Bancorp ( USB - Get Report), PNC, BB&T ( BBT) or Canadian banks, which are all looking for acquisitions right now."

Fred Cannon of Keefe, Bruyette & Woods previously said that the need for additional capital or credit problems would probably lead to further deals similar to Wilmington Trust after year-end results were announced, naming Keycorp ( KEY - Get Report) and Synovus ( SNV - Get Report) as possible targets.

"I would guess we would see a lot more strategic acquisitions of a lot of very small banks such as Central Pacific ( CPF) and National Penn ( NPBC) ," Cannon said, even those two holding companies had received significant private equity investments.

"Private equity investments could actually encourage a sale, in my opinion," Cannon added.

Here's an updated list of the banks that are likely being targeted by larger rivals, beginning with two smaller holding companies that are in play from the actions of private equity investors, and then moving up by asset size:

Terms

For each of the 10 banks discussed on the following pages, we'll be looking at capital strength, earnings quality and asset quality. For an explanation of those terms you can click on the box below.

10. Central Pacific Financial

Company Profile

Shares of Central Pacific Financial of Honolulu have returned 45% over the past year through Friday's closing price of $1.41, although the shares pulled-back from their closing high of $3.35 on April 23.

The company announced on Monday that the U.S. Treasury Department had agreed to exchange the $135 million in preferred shares it holds in the company - for bailout assistance received through the Troubled Assets Relief Program, or TARP - for common stock valued at only 37.5% of the TARP money plus accrued and unpaid dividends. This break from the government followed the company's announcement in early November of a plan to deal to raise $325 million in capital, including $98 million each from The Carlyle Group and Anchorage Capital Group LLC.

The private equity investments are still subject to Central Pacific Financial raising "to raising the remaining $127.8 million of the $325.0 million capital raising plan, the exchange of the TARP preferred stock, regulatory approvals, and other conditions," according to the company's statement

Income Statement

For the third quarter, Central Pacific reported a net loss to common shareholders of $74.7 million, or $2.46 a share, following losses of $18.2 million, or 60 cents a share the previous quarter and $185.2 million, or $6.38 a share, during the third quarter of 2009, when the company recorded a non-cash $50 million goodwill impairment charge.

Net losses to common shareholders exclude dividends paid or accrued on the preferred shares held by the government. .

Central Pacific has deferred its last six TARP dividend payments.

Earnings performance over the past year mirrors the size of the company's quarterly provision for loan loss reserves. The provision for the third quarter was $79.9 million, compared to $20.4 million in the second quarter and $142.5 million a year earlier. During the third quarter, the company increased its provision as it aggressively charged-off problem credits and sold $63.4 million in nonperforming commercial real estate and construction loans.

Balance Sheet

Central Pacific had $4.2 billion in total assets as of September 30. Total shareholders' equity was $80.5 million. The company's Tier 1 leverage ratio was 4.39% and its total risk-based capital ratio was 8.57%, below the 5% and 10% thresholds most banks need to meet to be considered well-capitalized by regulators.

Main subsidiary Central Pacific Bank missed a March 31 deadline from to achieve a Tier 1 leverage ratio of 10% and a total risk-based capital ratio of 12%, under a December 2009 regulatory order.

Nonperforming assets - including nonaccrual loans and repossessed real estate - totaled $372.7 million as of September 30, or 8.93% of total assets. This compared to nonperforming asset ratios of 10.92% the previous quarter and 8.09% a year earlier. While industry aggregates for the third quarter aren't yet available, these ratios are quite high when compared to the "noncurrent assets" ratio for all U.S. banks and thrifts, which was 3.31% at the end of the second quarter, according to the Federal Deposit Insurance Corporation.

Net charge-offs - loan loss less recoveries - during the third quarter totaled $64.3 million, compared to $30.1 million during the second quarter and $103.4 million during the third quarter of 2009. Central Pacific's annualized ratio of net charge-offs to average loans for the third quarter was 9.73%, compared to 4.26% the previous quarter and 11.29% a year earlier. In comparison, the FDIC reported a second-quarter net charge-off ratio of 2.64% for the domestic banking industry.

Stock Ratios

According to SNL Financial, Central Pacific Financial's tangible book value was -$2.38 a share as of September 30. None of the analysts covering the company project a return to profitability through 2012.

Analyst Ratings

Both analysts covering Central Pacific rate the shares a hold. Current investors obviously face major dilution of their holdings, but the successful completion of the company's capital raise may be enough for it to work through its problem loans and attract a buyer.

9. Sterling Bancshares

Company Profile

The management of Sterling Bancshares ( SBIB) of Houston has been pretty quiet since the company's largest shareholder, TAC Capital of Bryan, Texas, announced it would nominate five candidates for board seats at the company's next annual meeting.

In a strongly-worded letter to Sterling's shareholders, TAC Capital complained of management's performance and said the bank inefficient and was underperforming peers. Sterling's management responded on November 9, saying only that the company was "evaluating the proposal."

Income Statement

Sterling reported third-quarter net income of $4.5 million, or 4 cents a share, improving from a second-quarter profit of $596 thousand, or one cent a share, and a net loss of $24.7 million, or 30 cents a share, a year earlier, when the company booked a $56.1 million provision for loan loss reserves. While the company's profitability was improving, earnings performance was still relatively weak, with a return on average assets of 0.35% and a return on average equity of 2.80%.

Balance Sheet

Sterling Bancshares had $5 billion in total assets as of September 30, and was strongly capitalized with a Tier 1 leverage ratio of 10.53% and a tangible capital ratio of 9.13%. The company is not a TARP participant.

Sterling's nonperforming assets ratio was 3.54% as of September 30, compared to 3.63% the previous quarter and 2.20% in September 2009. The third-quarter net charge-off ratio was 1.01% and loan loss reserves covered 2.88% of total loans.

Stock Ratios

Shares trade for 1.5 times tangible book value according to SNL. The shares trade for 19.9 times the consensus earnings estimate of 33cents a share for 2012 among analysts polled by Thomson Reuters.

Analyst Ratings

With the shares rising 33% year-to-date, three of the 17 analysts covering the company rate Sterling Bancshares a buy, while the other 14 analysts recommend investors hold the shares.

8. National Penn Bancshares

Company Profile

National Penn Bancshares of Boyertown, Penn. has seen its stock rise 45% over the past year to $7.71 Friday, and although the company announced in November an agreement for a $150 million investment by Warburg Pincus, it is still considered a take-out target by analysts.

CEO Scott Fainor disagrees, saying in a November interview with TheStreet that his company plans to "accelerate" its repayment of $150 million in TARP money and that National Penn will "continue to play offense as a corporation."

Income Statement

National Penn reported third-quarter net income available to common shareholders of $10.3 million, or 8 cents a share, improving from a net loss of $5.5 million, or 4 cents a share, in the second quarter, when the company recorded an $8.3 million noncash goodwill impairment charge. During the third quarter of 2009, the net loss to common shareholders was $65.2 million, or 65 cents a share, reflecting a securities impairment charge of $84.7 million.

Balance Sheet

Total assets were $9.2 billion as of September 30. The nonperforming assets ratio - again, including only nonaccrual loans and repossessed real estate - was 0.99% as of September 30, improving from 1.06% the previous quarter and 1.20% a year earlier. The third-quarter net charge-off ratio was 1.43% and loan loss reserves covered 2.81% of total loans.

Net charge-offs during the third quarter totaled $20.6 million, while the provision for loan loss reserves was $20 million. With loan quality improving and strong reserve coverage, an accelerated release of loan loss reserves is likely to drive continued earnings improvement over the next several quarters. Reserve releases are a major trend for boosting earning at the largest banks, including Citigroup ( C), with a $2.5 billion decline in loan loss reserves during the third quarter, along with Bank of America ( BAC) and JPMorgan Chase ( JPM), which each released $1.7 billion in reserves during the quarter.

In addition to the coming private equity investment, year-end capital ratios should show improvement from the $63.3 million common equity raise completed in October.

Stock Ratios

National Penn's shares trade for 1.6 times tangible book value according to SNL Financial and 17.5 times the 2011 earnings consensus of 44 cents a share. Based on the 2012 consensus estimate of 62 cents a share, the P/E would drop to 12.4.

Analyst Ratings

Out of 10 analysts covering National Penn, two have buy ratings and eight recommend investors hold the shares.

7. First Horizon National

Company Profile

Shares of First Horizon National closed at $10.88 Friday, declining 14% over the previous year. The company completed a $250 million offering of common shares on December 13, planning to put the proceeds and another $400 million debt offering toward the full repayment of $866.5 million in TARP money.

When discussing First Horizon with TheStreet, Richard Bove said "these last couple years they have had success rebuilding themselves as a local bank in a turnaround, but management might also see that as an opportunity to sell to a larger bank."

Income Statement

Third-quarter net income to common shareholders was $15.9 million, or 7 cents a share, compared to a net loss of $52.9 million, or 23 cents a share during the third quarter of 2009. The third-quarter provision for loan losses was $50 million, declining from $185 million a year earlier. With net charge-offs of $111.4 million, the company released $61.4 million in reserves during the third quarter.

The net interest margin was 3.23% during the third quarter, improving from 3.14% a year earlier. The third-quarter ROA was 0.52%, for the company's best earnings performance since the fourth quarter of 2006.

Balance Sheet

Total assets were $25.4 billion as of September 30 and the NPA ratio was 4.15%, improving from 5.15% a year earlier. The third-quarter net charge-off ratio was 2.55% and reserves covered 4.12% of total loans as of September 30.

The company's Tier 1 leverage ratio was 13.76% and its total risk-based capital ratio was 21.97% as of September 30. The tangible common equity ratio was 7.96% as of September 30, according to SNL Financial.

Stock Ratios

The shares trade for 1.3 times tangible book value according to SNL Financial and 25.9 times the consensus earnings estimate of 42 cents a share for 2011. The forward P/E declines to 12.5, based on the 2012 consensus earnings estimate of 87 cents a share.

Analyst Ratings

Out of 26 analysts covering First Horizon, 11 rate the shares a buy, 14 have hold ratings and one analyst recommends investors sell the shares.

6. Synovus Financial

Company Profile

Shares of Synovus Financial of Columbus, Ga. closed at $2.54 Friday, returning 34% over the previous year.

Following the company's announcement of its results for the third quarter, Guggenheim analyst Jeff Davis said his firm suspected Synovus's board of directors would ultimately "elect to sell the Company," adding that it would take "another couple of years of loan write-downs before a buyer probably could get comfortable with the assets," and that the "attraction, of course, is the growth footprint."

Income Statement

For the third quarter, Synovus reported a net loss to common shareholders of $195.8 million, or 25 cents a share, following a second-quarter loss of $242.6 million, or 36 cents a share, and a loss of $453.8 million, or $1.32 a share in the third quarter of 2009.

The third-quarter provision for loan losses was $239 million, declining from $298.9 million the previous quarter and $496.5 million a year earlier.

Balance Sheet

Synovus had $31 billion in total assets as of September 30 and owes $967.9 million in TARP money. The company's Tier 1 leverage ratio was 9.80% and its total risk-based capital ratio was 16.70%. The tangible common equity ratio was 7.26%. That last ratio excludes the TARP money and 7% is by some analysts considered a good benchmark for a profitable bank.

Synovus raised $1.1 billion in common equity during the second quarter.

The nonperforming assets ratio was 5.03% as of September 30, compared to 4.86% the previous quarter and 5.05% a year earlier. Net charge-offs during the third quarter totaled $237.2 million or an annualized 4.12% of average loans, and loan loss reserves covered 3.70% of total loans as of September 30.

Stock Ratios

The shares trade for 0.9 times tangible book value according to SNL Financial. The consensus among analysts is that Synovus won't return to profitability until the fourth quarter of 2011. The shares trade for 12.7 times the consensus earnings estimate of 20 cents a share for 2012.

Analyst Ratings

Out of 23 analysts covering the Synovus Financial, seven have buy recommendations, 14 recommend investors hold the shares and two recommend selling the shares.

5. Zions Bancorporation

Company Profile

Shares of Zions Bancorporation ( ZIon) of Salt Lake City closed at $22.27 Friday, returning 76% over the previous year.

On December 14, Doug Rainwater of Rodman Renshaw initiated his firm's coverage of the company with a "market outperform" or buy rating, saying that because of the company's "service-oriented, community-focused approach," it was better positioned longer term to gain share from the larger institutions and more capably compete against smaller institutions."

Income Statement

Zions reported a third-quarter net loss to common shareholders of $80.5 million, or 47 cents a share, improving from a second-quarter loss of $135.2 million, or 84 cents a share, and a net loss to common shareholders of $181.9 million, or $1.43 a share, in the third quarter of 2009.

Following the theme for so many large banks, a release of loan loss reserves drove the earnings improvement. The third-quarter provision for loan loss reserves was $184.7 million, while net loan charge-offs totaled $235.7 million.

The provision was reduced from 228.7 million the previous quarter and $565.9 million a year earlier.

Balance Sheet

Zions had $51.8 billion in total assets as of September 30. The company owes $1.4 billion in TARP money and reported a tangible common equity ratio of 7.03% as of September 30. During the third quarter, Zions raised $109.9 million in common equity through the sale of shares and warrants. The company also converted $55 million in subordinated debt to preferred shares.

The regulatory Tier 1 leverage ratio was 11.99% and the total risk-based capital ratio was 16.73% as of September 30.

The nonperforming assets ratio was 6.01% as of September 30, improving from 6.60% in June and 6.62% in September 2009. The net charge-off ratio for the third quarter was 2.50% and reserves covered 4.07% of total loans as of September 30.

Stock Ratios

The shares trade for 1.1 times tangible book value according to SNL Financial and 11.9 times the consensus earnings estimate of $1.87 for 2012 among analysts polled by Thomson Reuters.

Analyst Ratings

Out of 30 analysts covering the shares, eight rate Zions Bancorporation a buy, 19 have hold ratings and three recommend investors sell the shares.

Howe Barnes Hoefer & Arnett analyst Chris Stulpin said after the company's third-quarter announcement that his firm continued to believe that the bank's footprint will once again exhibit high growth characteristics and thereby support attractive EPS growth" and increased his 12-month price target to $29. That represents 32% upside potential from Friday's close.

4. Comerica

Company Profile

Shares of Comerica ( CMA) of Dallas closed at $41.34 Friday, returning 50% over the previous year.

Despite being headquartered in the attractive Texas market, Comerica has considerable exposure outside the state, especially in Michigan, its old stomping ground. As of September, the company had 441 branches, with 217 in Michigan, 102 in California and 94 in Texas.

Although Comerica was listed as a regional target by Bove, CEO Ralph Babb said during the company's third-quarter conference call that he was continually seeking acquisition opportunities, especially in Texas and California, although "Whether they will fit us from a price, culture and location standpoint, you never know ."

Income Statement

Comerica reported third-quarter net income of $59 million, or 33 cents a share, compared to second-quarter earnings of $69 million, or 39 cents a share, and a net loss to common shareholders of 16 million, or 11 cents a share, in the third quarter of 2009, when the company still owed the government $2.25 billion in TARP money.

The decline in earnings from the second quarter reflected an $18 million decline in net interest income, as Comerica's loan demand remained weak.

Comerica fully repaid TARP in March 2010 following a common equity raise of $880 million. .

Balance Sheet

Total assets were $55 billion and the nonperforming assets ratio was 2.38% as of September 30. Comerica's Tier 1 leverage ratio was 10.90% and its total risk-based capital ratio was 14.38% as of Sept. 30. The tangible common equity ratio was quite high at 10.39%.

During the company's third quarter conference call, analysts raised the prospect of returns of capital to shareholders through dividend increases or stock buybacks. CFO Beth Acton said it would "be very important to see the US regulators turn Basal III into some proposed rule making that we can evaluate in the context of share repurchase program."

Stock Ratios

The shares trade for 1.3 times tangible book value according to SNL Financial. The forward P/E is 23.2 based on the consensus earnings estimate of $1.78 a share for 2011, but falls to 14.4 based on the estimate of $2.87 a share for 2012.

Analyst Ratings

Among 25 analysts covering the company, nine rate Comerica a buy, 13 have hold ratings and three recommend investors sell the shares.

3. KeyCorp

Company Profile

Shares of KeyCorp of Cleveland, Ohio closed at $8.42 Friday, returning 53% over the previous year.

Jeff Davis of Guggenheim Securities said in a report following the company's third-quarter earnings release that "the shares may benefit from possible M&A speculation in our view, as industry consolidation increases."

According to SNL Financial, KeyCorp CEO Henry Meyer said at a conference on December 8 that the company's "goal wasn't to be a survivor," but was "to position the company so that we could be an acquirer as time goes on here."

Income Statement

For the third quarter, KeyCorp reported net income attributable to common shareholders of $178 million, or 20 cents a share, improving from $29 million, or 3 cents a share during the second quarter and a net loss to common shareholders of $1.36 billion, or $2.14 a share during the third quarter of 2009, which included a $2.4 billion provision for loan loss reserves and a non-cash impairment charges on intangible assets of $241 million.

The provision for loan losses was $94 million during the third quarter, declining from $228 million during the second quarter. With third-quarter net charge-offs totaling $357 million, KeyCorp's earnings were driven by a $263 million reserve release.

A very bright development in the third quarter results was a tax-adjusted net interest margin of 3.35%, rising from 3.17% in the second quarter and 2.80% a year earlier, as the company continued to enjoy "an improvement in the mix of deposits by reducing the level of higher costing certificates of deposit and increasing lower costing transaction accounts."

Balance Sheet

Total assets were $94 billion as of September 30 and the nonperforming assets ratio was 1.92%, improving from 2.22% the previous quarter and 2.89% a year earlier. The third-quarter net charge-off ratio was 2.69% and reserves covered 3.81% of total loans as of September 30.

KeyCorp's Tier 1 leverage ratio was 12.44% and its total risk-based capital ratio was 18.18%. And while the company's tangible common equity ratio of 8.00% is "approaching an over-capitalized level," Davis believes "regulators probably will require a common raise to exit TARP." KeyCorp owes the government $2.5 billion in bailout funds.

Stock Ratios

The shares trade just below tangible book value according to SNL Financial, reflecting investor fears of share dilution. The forward P/E based on the consensus earnings estimate of 53 cents a share for 2011 is 15.9, dropping to 11.5, based on the consensus estimate of 73 cents a share for 2012.

Analyst Ratings

Out of 24 analysts covering the KeyCorp, three rate the shares a buy, 17 have hold ratings and four analysts recommend investors sell the shares.

Davis has a buy rating on the shares and a 12-month price target of $10.

2. Regions Financial

Company Profile

Shares of Regions Financial of Birmingham, Ala. closed at $6.24 Friday, returning 18% over the previous year.

Following a disappointing third-quarter earnings report from the company, FIG Partners analyst Christopher Marinac said the company is in a quandary over whether to raise capital over the short-term to "position for TARP repayment in the next few quarters" or "hold off on new shares, consider its independence, and allow another financial institution to payoff TARP via an M&A transaction."

Regions owes $3.5 billion in TARP money.

Income Statement

The company reported a third-quarter net loss to common shareholders of $209 million, or 17 cents a share, compared with a loss of $135 million, or 11 cents a share the previous quarter and a net loss to common shareholders of $437 million, or 37 cents a share, a year earlier.

During the third quarter, the provision for loan losses was $760 million, matching net loan charge-offs for the quarter, and increasing from $651 million in the second quarter but declining from $1 billion in the third quarter of 2009.

Regions reported a tax-adjusted net interest margin of 2.96% for the third quarter, improving from 2.87% the previous quarter and 2.73% a year earlier and following the industry trend, with declining funding costs.

Balance Sheet

Regions reported total assets of $133.5 billion as of September 30. The nonperforming assets ratio was 2.87% as of September 30, compared to 2.97% the previous quarter and 2.65% in September 2009. The third-quarter net charge-off ratio was 3.52% and loan loss reserves covered 3.77% of total loans as of September 30.

The Tier 1 capital ratio was 12.1% and the total risk-based capital ratio was 16.0% as of September 30. The company reported a tangible common equity ratio of 6.13%.

Marinac said that "the heavy inflows of new NPAs during 3Q10" could "force more capital sooner, as well as the Board of Directors' intentions on RF's own survival as an independent regional bank."

Stock Ratios

The shares trade right at tangible book value according to SNL Financial and 10.5 times the 2011 consensus earnings estimate of 60 cents a share.

Analyst Ratings

Out of 21analysts covering the company, two rate Regions a buy, 16 have hold ratings and three analysts recommend investors part with the shares.

Marinac has a market perform or "hold" rating on the shares, saying "investors are confused with respect to RF's outlook ... and with good reason," adding that "clarity on capital is necessary before investors can make a reasonable assessment on the stock's valuation. "

1. SunTrust

Company Profile

The largest bank target identified by analysts for this report is SunTrust Banks ( STI - Get Report) of Atlanta, which had $174.7 billion in total assets as of September 30. Shares closed at $27.04 Friday, returning 32% over the previous year.

On Wednesday, Stephen Moss of Janney Montgomery Scott downgraded the company to a sell rating, saying that "SunTrust trades at a rich valuation for a company that is likely to lag a credit recovery because of its substantial exposure to jumbo interest-only loans in stressed markets," adding that the "quality of the company's capital is a significant issue" because its trust-preferred share, whose inclusion in regulatory capital will be phased-out beginning in 2013,"account for most of the excess capital cushion under present regulatory capital guidelines."

Income Statement

During the third quarter, SunTrust earned its first profit in two years, with net income available to common shareholders of $84 million, or 17 cents a share, compared to a loss of $56 million, or 11 cents a share, during the second quarter and a net loss to common shareholders of $377 million, or 76 cents a share during the third quarter of 2009.

The third-quarter provision for credit losses was $615 million, declining from $662 million during the second quarter and $1.1 billion a year earlier.

During the third quarter, net charge-offs totaled $690 million, meaning that a $75 million reserve release provided the bulk of the earnings.

Balance Sheet

SunTrust's nonperforming assets ratio was 2.95% as of September 30, improving from 3.20% the previous quarter and 3.53% a year earlier. The third-quarter net charge-off ratio was 2.42% and reserves covered 2.69% of total loans.

The Tier 1 leverage ratio was 11.05% and the tangible equity ratio of 10.19%. SunTrust owes $4.85 billion in TARP money. Marinac said in a report that "it is increasingly apparent that not selling more shares at a low price earlier in 2010 was a wise decision for future levels of EPS and Tangible Book Value," adding that "STI has more flexibility than investors appreciate."

Stock Ratios

The shares trade for 1.1 times tangible book value according to SNL Financial. The forward P/E is 11.7, based on the consensus earnings estimate of $2.31 for 2012.

Analyst Ratings

Out of 29 analysts covering SunTrust, six rate the shares a buy, 18 analysts have hold ratings and five recommend investors sell the shares.

>To see these stocks in action, visit the 10 Regional Banks portfolio on Stockpickr.

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-- Written by Maria Woehr in New York and Philip van Doorn in Jupiter, Fla.

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