Inactive · established relationshipLatest completed snapshot · Oct 7 · 18:22 ET

MARKET-DISCOVERED GROUP

Banks and Insurers

THE TRADER READBroad price confirmation, weak flow alignment

8 of 8 measured members are falling. Capital-flow agreement is 8%, so the basket is not yet clean.

Price breadth8 of 8 fallingRelative median unavailable

Capital-flow alignment8%Price breadth is not yet confirmed by flow

Activity nowCalmActivity score 10/100 · lift 0.8×

Evidence depth3 episodesLow sample—context, not a validated playbook

EVIDENCE CLOCK

What happened, in timestamp order

0 timed events

TIMING READA causal timing read is unavailable because no material member price onset could be timestamped.

No session event has enough timestamp precision to place on the clock.

2 earlier filing context receipts

TUE, FEB 24HOPE filing documented shared operating contextcredit / rates affecting interest expense · date precision only

WED, AUG 19AX filing documented shared operating contextcredit / rates affecting interest expense · date precision only

01 · WHAT IS HAPPENING

The move, the flow and who is driving it

Price breadth, unusual activity and signed capital flow are separate observations

Price sequence unavailableA timestamped price sequence is unavailable.

RELATIVE CO-MOVEMENT

How the members are behaving together

Session-normalized

Observed intraday paths are not available for this group yet.

02 · WHY IT MATTERS

Why now and where the move could travel

Context and lead/lag links are evidence, not proof of causation or a forecast

WHY NOW

Verified recent context

0 items

No verified recent catalyst is attached to this move. The relationship may be market-led rather than news-led.

WHY THIS GROUP EXISTS

Shared filing context

5/8 members covered

Moderate filing support: the strongest shared 10-Q/K outlook is operating setup (near-term outlook) across BFST, HOPE.

credit / rates affecting interest expense

“Comparison of 2025 with 2024 The decrease in interest expense on total deposits of $38.2 million, or 8%, for 2025 compared with 2024 was due to a lower cost of interest bearing deposits, and a lower average balance and rate on FHLB and FRB borrowings.”
HOPE 10-K · 2026-02-25

credit / rates

“These outflows were partially offset by proceeds from FRB borrowings and FHLB advances.”
HOPE 10-K · 2026-02-25

legal / regulatory

“Increased Supervision and Regulation for Bank Holding Companies with Consolidated Assets of More than $10 Billion As a banking organization with consolidated assets exceeding $10 billion, the Company is subject to heightened supervision and regulation imposed by the Dodd-Frank Act, such as the following: • We are subject to periodic examination by the CFPB with respect to compliance with federal consumer financial laws.”
HOPE 10-K · 2026-02-25

CONFIRMATION NETWORK

Outsiders and cross-asset links

0 outsiders confirming

No qualified cross-asset lead/lag link is available for this group.

Filing-linked outsiders test whether the move is spreading beyond the established cohort.

NBTBNot confirming

EFSC · text peer

BANCNot confirming

HOPE · text peer

FULTNot confirming

EFSC · text peer

INDBNot confirming

EFSC · text peer

03 · WHO IS IN IT

Member participation

Unusual activity and daily price direction are shown separately

HOPEBFSTTOWNBANROZKAXEFSCNTB

5/8 active0 rising · 8 falling

MemberUnusual activityToday's moveRead now

HOPEHope Bancorp, Inc.

Most unusual · 100/100

-0.8%

Flow confirmerActive in 100% of observed group sessions

BFSTBusiness First Bancshares, Inc.

Elevated · 52/100

-1.1%

Active; unclassifiedActive in 0% of observed group sessions

TOWNTowneBank

Elevated · 50/100

-1.2%

Flow divergenceActive in 100% of observed group sessions

BANRBanner Corporation

Elevated · 47/100

-1.4%

Active; unclassifiedActive in 0% of observed group sessions

OZKBank OZK

Elevated · 37/100

-2.4%

Flow divergenceActive in 75% of observed group sessions

AXAxos Financial, Inc.

Quiet · 34/100

-1.6%

Watch / laggardActive in 75% of observed group sessions

EFSCEnterprise Financial Services Corp

Quiet · 31/100

-1.5%

Watch / laggardActive in 75% of observed group sessions

NTBThe Bank of N.T. Butterfield & Son Limited

Quiet · 27/100

-2.5%

Watch / laggardActive in 0% of observed group sessions

View exact member values

TICKER	Company	Role now	Today	Observed history	Trader interpretation
HOPE	Hope Bancorp, Inc.	Most unusual	-0.8%	100% of 4 sessions	Most unusual activity in this snapshot; performance direction may differ.
BFST	Business First Bancshares, Inc.	Participating	-1.1%	0% of 4 sessions	Price participation is not yet confirmed by per-name flow.
TOWN	TowneBank	Participating	-1.2%	100% of 4 sessions	Price participation with distributing signed flow.
BANR	Banner Corporation	Participating	-1.4%	0% of 4 sessions	Price participation is not yet confirmed by per-name flow.
OZK	Bank OZK	Participating	-2.4%	75% of 4 sessions	Price participation with distributing signed flow.
AX	Axos Financial, Inc.	Quiet / lagging	-1.6%	75% of 4 sessions	Not participating yet; a breadth test or a genuine divergence.
EFSC	Enterprise Financial Services Corp	Quiet / lagging	-1.5%	75% of 4 sessions	Not participating yet; a breadth test or a genuine divergence.
NTB	The Bank of N.T. Butterfield & Son Limited	Quiet / lagging	-2.5%	0% of 4 sessions	Not participating yet; a breadth test or a genuine divergence.

04 · HAS THIS HAPPENED BEFORE

Identity history versus measured outcomes

Structural recurrence is not the same as a validated trading outcome

POINT-IN-TIME LIVE OUTCOMES

Live outcome ledger collecting

0/0 events completed

No completed point-in-time outcome is available yet. New live confirmations are now retained with their exact observation timestamp; statistics appear only after the corresponding candles complete.

Low structural sample

Only 3 completed episodes across 4 active sessions; treat history as context, not a validated playbook. These episode counts describe recurrence; the outcome ledger above is the only forward-performance evidence.

Structural support20 daysHow often the cohort identity was observed

Completed episodes3Separate periods of broad group activity

Active sessions4Completed session observations, not trades

2026-10-061 active session100% composition consistency through the episode

2026-10-011 active session100% composition consistency through the episode

2026-09-21 → 2026-09-222 active sessions42.9% composition consistency through the episode

MEMBER CONSISTENCY IN OBSERVED ACTIVE SESSIONS

HOPE100% · 3 episodes

TOWN100% · 3 episodes

AX75% · 3 episodes

EFSC75% · 3 episodes

OZK75% · 2 episodes

BANR0% · 0 episodes

BFST0% · 0 episodes

NTB0% · 0 episodes