Morgan Stanley-US Banks and Consumer Finance Dollars and Cents-106579284

MFebruary18,202406:09PMGMTMorganStanley&Co.LLCUpdateUSBanksandConsumerFinanceNorthAmericaBetsyL.Graseck,CFA+1212761-8473+1212761-4092DollarsandCentsEquityAnalyst+1212761-1761Betsy.Graseck@morganstanley.com+1212761-1664Inthisweeklynote,wetrackperformance,EPSrevision,+1212761-1084valuation,sentiment,andpositioningdataacrossUSBanksandMananGosalia+1212761-6252ConsumerFinancestocks.Wealsotrackthelatesttrendson+1212761-2112deposits,loansandcashfromtheFedH.8release.EquityAnalystManan.Gosalia@morganstanley.comAttractiveInsideyouwillfind:In-LineJeffreyAdelson,CFAIn-Line•PerformanceandconsensusEPSrevisionsoverthepast5days,30days,90days,andYTD.EquityAnalystJeff.Adelson@morganstanley.com•Dividendandbuybackyields/payoutratiosbycompany.•Sell-sidesentimentvs.short-interesttrends.RyanKenny,CFA•Valuationmetrics(P/EandP/TBVPS)versushistoricalbenchmarks.•Industry-widebankloananddeposittrendsfromtheFedH.8release.EquityAnalystRyan.Kenny@morganstanley.comExhibit1:Industry-WideDepositBalanceTrendsBrianWilczynski,CFADeposits(Non-SeasonallyAdjusted)ResearchAssociateChange($inbillions)Brian.Wilczynski@morganstanley.comLargeSmallConnellJSchmitzBanksBanksAllBanksResearchAssociateConnell.Schmitz@morganstanley.comAyokunleFagbemi,CFAResearchAssociateAyo.Fagbemi@morganstanley.comLargeCapBanksNorthAmericaIndustryViewMidcapBanksNorthAmer...