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February 15, 2023 – Yesterday’s CPI report reinforced Fed policy that bringing inflation down toward 2% is going to be more of a struggle than some optimists thought after seeing earlier reports in November and December. Whether one looks year-over-year or month-over-month, inflation is still well over 5%. It’s declining for sure, but the slowing pace reinforces the strategy that interest rates will have to remain elevated for a significant period of time before the war will be won.

//  by Tower Bridge Advisors

Stocks finished mixed in a volatile session as investors digested a CPI report that didn’t offer much new information and was close to consensus forecasts. For those hoping for a continued deceleration in the pace of inflation, there was disappointment. For those looking for signs of either a soft landing or recession, there was little of either. In the end, stocks and bonds finished pretty close to where they started the day.

That doesn’t mean there wasn’t a message in the data. What we learned, if one strips out energy and food price fluctuations, is that the pace of disinflation appears to be decelerating? That shouldn’t be a surprise. The “easy” part was the impact of repaired supply chains. Short-term shortages caused spikes in prices that quickly returned toward normal once supply returned. Getting inflation back to 4% from 9% isn’t hard. Repairing supply chains and increasing the cost of money should do the trick, but the last percentage point or two won’t be as easy. Wages are still rising at a 4%+ rate and that isn’t likely to come down very quickly in a world with 3.4% unemployment. The cost of services, heavily tied to labor costs, will also continue to rise at a rate that is not conducive to price stability.

Thus, the new game plan (there’s always a new game plan, depending on the data) says 1-3 more small increases in short-term rates that might extend through the second quarter, and then nothing until there is a persistent and sustainable decline in the pace of inflation toward the Fed’s 2% target. That could take a few months. It also could take a year or longer. Unless there is a significant recession, the Fed will be under no pressure to reduce rates quickly.

How does this play out in the stock market? Many of the safe havens of 2022, the defensive names that stood up well like consumer staples, utilities, health care and energy, have been the weakest performers in 2023. Proctor & Gamble# is a great company, but should it sell at a higher P/E than Alphabet# or Home Depot#? Its price was elevated due to its safety characteristics in a bear market. Now it simply seems fully priced. Ditto for other consumer staples, drug stocks and utilities. On the other end of the spectrum are the growth stocks that led the market for the past decade. They were way overpriced in 2021 and had their comeuppance last year as interest rates soared and P/Es tumbled. In addition, when bear markets end (and it is quite likely last year’s ended in October) the first stocks to rally are the ones that declined the most. Some of the recoveries are legitimate. Investors overdo it on the downside just as much as they do on the upside, but some of the bounces are true dead cat bounces, companies that had growth stories (the sizzle) but lacked the fundamentals for long term success (the steak).

With the bear market likely at its end, and the dead cat bounces largely complete, one has to look at several factors. First, are long-term interest rates. Forget the Fed Funds rate. That doesn’t drive stock prices. P/Es key off of 10-year bond yields, or even longer. Stocks are long duration assets. The 10-year yield reflects the market’s vision for long-term inflation. Holders of 10-year bonds expect a positive return on their money, adjusted for inflation. If inflation expectations are 2.0-2.5% long-term (as they are now), 10-year Treasuries should provide lenders a 1-2% premium. That suggests long-term rates are within an expected range right now.

If long-term rates are anchored appropriately, then the future of stock prices will be earnings dependent. I still don’t know whether we are headed for recession or not. I have not deviated from that non-conclusion for over a year, but that suggests flattish earnings in 2023. Some economic weakness can be offset by managerial ability to adjust. In that environment stocks should move sideways until investors see an upturn in future earnings. Given that an upturn is inevitable, stocks will rise sooner rather than later. Maybe that is part of what has pushed stocks so far this year.

Another factor relates to the basic law of supply and demand. Last year, share repurchases were over $1.25 trillion, a record. On the other hand, new issuance via IPOs was a cyclical low of $487 billion. The gap of almost $800 billion doesn’t seem large against a total US stock market value of close to $43 trillion but it is. With a new 1% tax on stock repurchases (Biden’s wish for a 4% tax has no chance of passing), and the likelihood of a better IPO market, that tailwind will lessen.

Thus, long-term, I think trends are higher. They always are long-term, but near-term expect a more sideways market than we have seen year-to-date. Sideways means 5% moves in either direction are perfectly normal but more substantial moves in either direction need a fundamental cause most of the time. With earnings season largely over and the economy either growing or contracting very slowly, there don’t seem to be fundamental headwinds or tailwinds of note. That suggests either changes in fundamentals or simply momentum (now both positive and strong) will be drivers of stock prices near-term. An overlay, I keep harping on is valuation. Stocks are still historically expensive. Thus, without a justifiable tailwind, I remain cautious near term.

Today Megan Thee Stallion is 28. Matt Groening, the creator of “The Simpsons”, turns 69.

James M. Meyer, CFA 610-260-2220

Additional information is available upon request.

# – This security is owned by the author of this report or accounts under his management at Tower Bridge Advisors.

Additional information on companies in this report is available on request. This report is not a complete analysis of every material fact representing company, industry or security mentioned herein. This firm or its officers, stockholders, employees and clients, in the normal course of business, may have or acquire a position including options, if any, in the securities mentioned. This communication shall not be deemed to constitute an offer, or solicitation on our part with respect to the sale or purchase of any securities. The information above has been obtained from sources believed reliable, but is not necessarily complete and is not guaranteed. This report is prepared for general information only. It does not have regard to the specific investment objectives, financial situation or the particular needs of any specific person who may receive this report. Investors should seek financial advice regarding the appropriateness of investing in any securities or investment strategies discussed in this report and should understand that statements regarding future prospects may not be realized. Opinions are subject to change without notice.

Filed Under: Market Commentary

Previous Post: « February 13, 2023 – Growth that has proven resilient is making the fight against inflation harder. It now appears that the battle will take more time than anticipated just a few weeks ago. A resilient economy will help earnings, but will also elevate interest rates for longer. The cross currents likely will keep stocks within a trading range until there are clearer signs that economic balance can be achieved.
Next Post: February 17, 2023 – After a solid start to the year, range-bound action continues. Despite the recent jump in interest rates, low quality leadership has emerged. Economic data continues to come in hot, meaning higher rates for longer. Oddly enough, history points to some cautiousness when consumers and employment are this strong during a Fed tightening cycle. »

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  • March 29, 2023 – Banks stocks are an important market indicator, usually outperforming as the market recovery begins. Current bank stock valuations suggest upside for the long term, but until investors are satisfied that banks are adequately reserved to withstand economic weakness, the volatility will continue. We take a deeper look at bank loan portfolios and the position of commercial loans.
  • March 27, 2023 – A hectic week ended with markets close to where they began. Banks continued to be a weak spot. Lower oil prices impacted the energy sector. Overall, the economy still seems resilient, but recent stress will impact activity as banks tighten loan standards and corporations seek liquidity.
  • March 24, 2023 – Contradictions abound as we close out the week following another volatile reaction to a Fed meeting. The Federal Reserve raised interest rates again, even though banks are begging for cash at the discount window at levels above the peak in 2008. Numerous officials preach that bank deposits are safe, but Secretary Yellen offered less enthusiasm than hoped for with her Congressional testimony. All of this adds up to more uncertainty and a range-bound market.
  • March 22, 2023 – Hang on to your hats. It’s FOMC day! Fed officials face a tough call, on whether to raise rates amid current banking turmoil. Markets believe they will. But the rate hiking cycle is nearing an end. Even assuming one more increase in May, summer inflation should have cooled enough to stop the rate hikes. The strong stock market rally of the past two days suggests a belief that the cost of the current banking turmoil can be contained. Whether that is hope or truth remains to be seen. It is rare for financial crises to end until the Fed changes direction.
  • March 20, 2023 – UBS buys out Credit Suisse and disaster is averted once again, but markets remain skittish. First Republic seems next in line. All this comes in front of Wednesday’s FOMC meeting. Crises don’t end until the Fed changes course. A pause is in order. That would contradict previous signals. A pause doesn’t have to concede that the fight against inflation is over. It would merely be a pause. If bank failure fears can be contained, another rise in rates in May would be possible, if needed. But there is a lot of evidence to suggest it won’t be. The stock market’s course near-term is clearly binary depending on what the Fed does Wednesday.
  • March 17, 2023 – While banks are scrounging for support, ancillary effects are becoming priced into cyclical sectors of the market as lower interest rates bring investors back to growth leaders. Quadruple options expiration and further bank concerns will drive more volatility to end this crazy week. A record breaking rush to the Fed Discount Window shows how desperate some banks are to cover recent withdrawals.
  • March 15, 2023 – Stocks rebounded yesterday, stemming losses from last week, but the recovery may be short-lived as European bank stocks are under severe pressure this morning. The failures of two banks in the last week may be the end of the crisis or the tip of the iceberg. We won’t know that for days or weeks. In the meantime, markets hate uncertainty, and the likelihood of recession has risen. Beware the Ides of March.
  • March 13, 2023 – The Fed and FDIC stepped in over the weekend to create a new lending program to save depositors of two large banks that failed since Friday. That’s an important first step, but the rules of engagement in the banking industry have changed. Banks will have to pay depositors to retain their money. The same will go for stock brokers. We are witnessing what happens when the Fed is forced to change the money landscape too quickly. Every tightening cycle has its crisis. We are in the midst of one now. Crises happen at the end of a cycle, a consequence of earlier actions. Now the Fed needs to find a new path to secure the economy and fight inflation.
  • March 10, 2023 – It is Friday Jobs Day yet again! Never before have so many backward-looking reports meant so much for markets. February CPI is next in line this coming Tuesday. Fed Chair Powell has not really changed much of his commentary; the Fed is data dependent and the Fed Funds rate will be higher for longer. However, recent stress in the banking sector may throw a wrench in their plans to raise rates much higher.
  • March 8, 2023- Fed Chair Jerome Powell spooked markets increasing the odds of another 50-basis point increase in the Fed Funds rate later this month, but calmer inflation numbers over the next 10 days could either calm or reinforce those odds. Meanwhile, both stocks and bonds remain rangebound despite yesterday’s sharp price drops.

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