This article showcases the high quality lending that banks are doing currently.  Improved underwriting and more disciplined pricing are the results of the consolidation that the industry has undergone.  While these are fairly normal characteristics for the recovery period in the credit cycle, markets aren’t giving the banks any credit for their solid financial strength.  It is laughable that the market is giving no value to future earnings for companies such as Bank of America, Citigroup, and AIG, and only serves as a huge reason to buy big.

http://online.wsj.com/article/SB10001424052702304723304577370313759609308.html?mod=markets_newsreel

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