Taking history as a guide, are bank stocks expensive today? Is it worth the investment?

The current bank stocks are very worth investing in, the average stock price of bank stocks is now very low, more suitable for long-term investment, the risk of starting is not very large, and there is very potential for appreciation in the future.

A: Expensive, it is worth investing in, because a bank is a financial institution with abundant funds, so it is not easy to go bankrupt.

Bank stocks are still quite cheap, investment still depends on personal affordability, the national bank's ** is relatively stable but ordinary people can't buy it, private banks rise and fall very much, you can make a lot of money but sometimes lose more.

Personally, I think that the current bank stocks are not particularly expensive, and they can still be worth investing in, but now that the market is unstable, it is recommended to observe it again.

Of course, it is worth buying bank stocks, and it is very supportive for investors to buy bank stocks, and buying other ** will eventually lose a lot, so it is better to hold bank stocks with peace of mind in order to become a **market.

The probability of achieving a positive return is particularly high.

Perhaps many investors will oppose this point of view, thinking that it is not worth buying bank stocks, and always feel that bank stocks have no band at all, and every penny can be played for a day, so it is not worth investing; But I personally have a different opinion, I think that the bank ** is indeed very worth buying, and there are three main reasons why bank stocks are worth buying.

Reason 1:Because the bank class ** is the most valuable investment, bank stocks are the A** market price-earnings ratio.

Very low, which means that the bank class ** is in a state of serious undervaluation, as long as the seriously undervalued ** has long-term value investment.

In fact, bank stocks are A**.

The most worthy of value investment**, as long as these ** are held for a long time, firmly believe in the value investment viewpoint, and persist in the end, they can get good returns, but what is needed is the cooperation of holding patience.

Banks are very suitable for value investment, especially for those stable funds, put long-term fishing funds, these funds to buy bank stocks in the long run will never lose bank deposits.

It is far more worth investing than bank deposits.

Reason 2:Because the security of banks is particularly high, the security of bank stocks is mainly reflected in two aspects, one of which is the thunderstorm of bank stocks.

The probability is particularly low, and the risk of stepping on the mine in the market is particularly large; Second, the probability of delisting of bank stocks is particularly low, as long as you hold bank stocks with peace of mind, you can avoid stepping on thunder and delisting risks, so as to reduce the risk of **.

** itself is a high-risk investment, buying a bank stock can minimize the risk of ** socks, why not buy this kind of investment? Similar to a lot of ** can't look down on bank stocks trembling tickets, always want to buy highly active theme stocks, and finally toss and toss, ** There is also a phenomenon of heavy losses, it is better to buy bank stocks and hold them with peace of mind.

Reason three:Because of the dividend yield of the bank class.

High, basically there is a dividend income every year, and you can really enjoy the best dividends.

Income, according to the dividend situation of the bank, Zhongda silver shares are implemented cash dividends every year.

**In addition to the profit from eating the spread, there is another kind of investment income.

That is to enjoy the best cash dividends, according to the dividend income of bank stocks is also very considerable, on average there is a dividend income of 3% 7% per year, the dividend yield of different bank stocks is different, naturally the higher the dividend, the better, and the higher the income from buying bank stocks.

Therefore, summarizing the above three reasons, the real reason why the bank is worth buying is that the bank stock has a long-term value investment, the security is particularly high, the risk is particularly low, and the dividend can be enjoyed every year.

Any type of Wu Xue Qi is quite risky, without a certain amount of experience can be purchased, and the same is true for the bank class, which has a great risk.

At present, there are many judgments that the first class of banks is still more stable than only the surplus index, because banks are the most stable financial system in China. You can choose to purchase a bank-type **.

I don't think it's worth buying because the interest is too little and it's easy to lose money. It's better to buy those **companies**.

Bank stocks are very good underlying investment assets and are worth investing in.

1. Bank stocks have low valuations and high margin of safety. Bank stocks may not be able to bring money-making effects in the short term, but in essence, as long as bank stocks are not chasing high**, it is almost difficult to lose money. There is no money-making effect, because the time has not yet come, and the bank has more and more money lying on the account every year, and the net assets are getting higher and higher, and the value will be reflected sooner or later.

After all, 5 times the price-earnings ratio means that after 5 years, the bank's net profit can earn a bank, and the stock price cannot be free for a long time, and it will continue, which is not in line with the laws of the economy.

2. The bank's dividends are considerable, and the cash flow return is high. The investment in bank stocks, with an annual dividend of about 5%, is a high cash flow return. Compared with the current bank deposits and wealth management products, it is much higher.

This is still based on the fact that banks are only willing to pay 30% dividends, and if all the dividends on the account are distributed, the cash flow return may be much better than other investments. Of course, don't worry too much about the stock price ex-rights, because the ** of the ex-rights will be filled in sooner or later. As for whether dividends should continue to be reinvested in the bank, this is a matter of opinion.

Anyway, there is a 1 million Industrial and Commercial Bank of China, with an annual cash dividend of 50,000 yuan, which is enough for the vast majority of ordinary people to live. But if you deposit 1 million in the bank to eat interest, it is difficult to say whether the interest rate will fall.

3. There is a certain profit growth point for banks in the future. First, banks' revenue growth is guaranteed, even if slow. The reason is that the currency is still being issued, and the money still has to go in and out of the bank.

It's just that this proportion of revenue growth will remain in the single digits. The bank's future revenue growth will mainly come from two aspects. The first aspect comes from the wealth management business under strong supervision, and residents have a large amount of investment needs, which will eventually fall to the bank.

From retail business to high-end private banking services, there is still a lot of room for growth, after all, good assets will increasingly raise funds through banks. The second aspect comes from the digitization of money, which will significantly reduce the cost of banks. The digital currency business is a currency traceable business, which has obvious upgrades and controls for the entire capital chain of currency flow.

The main reasons for the sharp rise in bank stocks are as follows:

1: The implementation of the reform of capital market institutions. The regulatory authorities of the banking industry of China have recently introduced a series of reform measures to strengthen the supervision of banking capital market institutions, which will promote the optimization and upgrading of the banking system, improve the overall business level and efficiency, and have a positive impact on the development of bank stocks.

2: National policy support. China** has made it clear that it supports the development of the banking sector and encourages banks to increase credit supply and promote economic development. Policy support can improve the overall performance of the banking industry and improve the market competitiveness of banks.

3: Market-oriented reform of interest rates. China's economy is undergoing market-oriented interest rate reforms, and the banking industry is also actively adjusting itself to strengthen its own risk management and product innovation to cope with the challenges brought about by the market-oriented interest rate reform.

4: Economic recovery. As the global pandemic is gradually under control, China's economy is gradually recovering, and the recovery of economic data has also brought positive signals to the banking industry.

I believe that there may be the following trends in the future trend of A-shares.

1: Market **: With the uncertainty of the global economic recovery, the market may have a certain **.

3: Policy impact: The policy environment has a very large impact on the market, and the macro policies and industrial policies introduced will have a significant impact on the market.

Overall, with the continuous development of China's economy, the A** market has good or good investment prospects, but investors need to pay attention to market changes, control risks, and look for high-quality investment opportunities.

Because the banking sector is consolidated or dismantled, it is high. The main noisy group attack is the concept of medium and special valuation, which is good for the bank.

Although it has risen a lot, the current price-earnings ratio of the banking sector is still low and not expensive.

There are currently more than 30 bank stocks in the A** market, most of which are state-owned banks. In addition to the four major state-owned banks such as Bank of Zhengzhou, Bank of Shanghai, and Bank of Guiyang, there are also many local banks. The market capitalization of bank stocks is also generally larger.

The market value of the four major state-owned banks is one trillion yuan, the largest industrial and commercial bank has a market value of nearly 2 trillion yuan, and even small local banks have a market value of more than 10 billion yuan. Bank stocks can be said to be the mainstay of the A** market, and the rise and fall of banks are directly related to the rise and fall of the A-share index.

Other bank stocks only say that the annual dividend income of the four major state-owned banks is about 4%, and the annual dividend income is quite considerable regardless of the rise or fall of the stock price. Investing in banking stocks is much higher than simply saving money. From an investment point of view, since it can make good returns, bank stocks are worth buying.

Moreover, after last year's **, many bank stocks are in a relatively low position, and the stock prices of the four major state-owned banks are all low-priced stocks, and the valuations are generally not high, and many are broken net stocks. From an investment point of view, it is worth investing in with low valuation, low stock price, and high dividends. Although bank stocks have not risen much, they are often the most resistant to losses when encountering risks.

In terms of all the combined risks and returns, bank stocks are worth investing in, especially right now.

In areas with low history, more than 5% can be obtained based on the proportion of dividends last year. The four major banks are the representatives of Chinese financial stocks, and they will rise when the bull market comes; There is room for profit when you buy these. The plate is too large and the amplitude of ** is limited; But it is resistant to falling, and the space below is also small.

Taking Bank of China as an example, the current stock price, the lowest price after the stock market crash in 2016, fell another 30% to the lowest price support in 2016, and there is little room below. **The more the imitation model falls, the more it is worth buying. Slow, upside, no explosiveness, not in line with many people's expectations of returns.

To double and make a lot of money is the reason for many investors to enter. Some people say: If you don't pursue huge profits, it's better to deposit in the bank?

This is not entirely unreasonable. This is the choice of the investor's risk appetite, but in these investments the law of return. The position cycle is too long, and investors can't wait.

Making money as soon as possible is the mindset of many investors.

This mindset is completely contrary to the investment philosophy of not rushing to make money. Everyone wants to buy today and go up tomorrow. But ** is a place of patience; A lot of times, it's either trading technique or patience.

These bank stocks are now at a low level and can really be**, but be prepared to hold them for the long term. Only when it falls to cover the position, the more it falls, the better profit can be obtained. The overseas economy is sluggish and the epidemic is raging.

Therefore, if it drags on for a little longer, capital is likely to flow into the Chinese market. Here, I'm also optimistic about China, but I have to be patient. Bank stocks and brokerage stocks must also be at the top of the game.

So I never recommend**, nor do I belittle**.

The income of the bank is very stable, because this leaky bank is the protector of the bank, so the bank will not be particularly slippery and serious, and there will be no particularly strict losses.

The income is not particularly high, but the suffocation book is particularly stable in life, and under normal circumstances, there will be no very serious losses at all, and it will not make a person lose all his money.

The income of this kind of stock is very stable, and it will increase your income without causing losses, so it is very worth buying.

I think it's worth buying, first of all, the first is cheap, and the second is stable. Although you can make too much money without a sedan car, it is also unscrupulous for some people to be able to maintain their daily expenses.

Relatively it is worth buying, first of all, the bank's ** its trend is generally relatively stable, and there will not be much increase or decline.

Bank shares are worth being bought stupidly. However, to buy chain dismantling socks at the right time, PE is at a low level is a suitable ** point. The risk of buying a bank** is generally smaller. Shed excited.

The overall valuation of bank stocks is not high。But the market capitalization in ** accounts for too much of it. Once the valuations of bank stocks are high, it means that China** will usher in a longer correction process.

1. Bank stocks have always been the bottom of the box of major investment institutions, used to balance the stock index, and are a good tool for the stock index.

In recent years, the overall performance of the banking sector has remained stable, but it has declined slightly. As a sunset industry, there is not much room for development, let alone imagination, in the case of the overall price-earnings ratio of bank stocks is generally low, there is only investment value, no speculation meaning. Looking at the trend of bank stocks in the past six years, the current safety boundary of bank stocks is relatively high, it is worth value investment, friends who want to invest in bank stocks, you have to think about it, according to your own situation, whether to choose a joint-stock commercial bank with active shares, or a stable trend of the six major state-owned banks, the active commercial banks with low dividends, mainly buy low and sell high to earn the difference, the six major state-owned banks do not need to be held every day, long-term holding, relying on dividends.

Second, to tell you a rule, if you find that bank stocks can more than double the price, it is basically the final stage of the ** index madness.

The financial industry is the sector with the largest market capitalization, and it is also the largest weighted sector of the index, and the volatility and tridity of bank stocks are very low, so they are maintained at more than 3,000 points all year round. The low profit ratio of large state-owned banks is due to low growth, customers are large enterprises, high repayment ability, high risk of small and medium-sized enterprises, and they are unwilling to serve small and medium-sized enterprises.

Some well-developed local banks, such as those in Jiangsu and Zhejiang, are valued at higher valuations than large state-owned banks. Local banks serve small and medium-sized enterprises, avoiding competition with large state-owned banks, but the interest rate is also higher than that of large state-owned banks.

The big state-owned banks are bought to eat dividends and make new ones, with low returns and low risks. Well-developed local banks are growth stocks, and they may become white horse stocks in the future, but the risks will become greater, and it depends on the individual's ability to bear to decide their choice.