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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.

//  by Tower Bridge Advisors

Fear and greed have a tendency to creep into markets time and time again. During Covid lockdowns, stocks collapsed 35% in a matter of weeks…fear was rampant. Then the printing presses started and major averages more than doubled, with the worst run companies, cryptocurrencies and meme stocks stoking the greedy side of the masses. A tighter Fed and one of their quickest tightening phases in history helped bring stocks back to, or below, fair value last year. While 2023 started with a solid rebound in oversold areas of the market, some froth has come back to the fore yet again.

On Wednesday alone, the list of little-to-no earnings companies which were crushed last year showed massive short covering and tremendous gains on less than feared earnings reports. Here are some of the amazing one-day gainers for companies that do not even turn a profit: Upstart +28%, Roblox +26%, Quantum Scape +32%, Coinbase +17%, Affirm Holdings +12%, Roku +12%, Carvana +18%, AMC Entertainment +15%, WeWork +11%, DoorDash +10%, GameStop +8% and Rivian Automotive +7% to name a few. This list could go on and on, but you get the point. Stocks with low ROE’s, negative earners, high leverage, low market cap, and high short interest have been outperforming within both Large Cap and Small Cap in recent months. This is typical of a new bull market, but unsustainable. Gains like these were unimageable a year ago and unwarranted today.

The Fed will not like euphoria coming back to the stock market as it makes the inflation battle much more difficult when investors are seeing gains like these in their portfolios in questionable companies. In fact, yesterday afternoon a couple of Fed officials went so far as to say that 50bps is back on the table for March’s meeting. We doubt that will actually happen, but the intent to quell some overzealous market conditions is quite clear. Even with all the rate increases, 2023 first quarter GDP is looking stronger than in 2022. Stocks cratered following those Fed speeches and futures are weak today as well. Higher for longer, as the bond market has been pricing in, is starting to get repriced into stocks.

Earnings Season:

Fourth quarter earnings reports are winding down, with a slew of retailers set to report this week. Following a surprisingly strong January retail sales report, a lot of good news is being priced in. The consumer is far from dead. Whether it was due to good weather, use of Christmas gift cards or the cost-of-living increase for retirees being the reason, consumers are out and about. The Holiday season was not great, but 2023 is off to a solid start. This report alone is causing many economists to adjust Q1 GDP from 0.5% to 2.0%. While we do not want to dismiss a strong report, one must remember the weak end of 2022, which makes the previous three months of retail sales flat, or basically down in “real terms.” It is also highly likely that this boost in spending will continue to impact the savings rate in a negative way.

Over 400 of the S&P 500 companies have already reported, representing 86% of the market capitalization. Smaller companies are left to close out the season. So far, reported sales growth has been 5.3%, but earnings are down 4.9%. Quite the difference, but not unexpected. Energy and Industrial companies showed the most growth, with Consumer Discretionary showing the biggest drop. High inflation is goosing the top line revenue metrics but hurting margins as volumes go down. The number of “beats” has been below recent trends but not out of the ordinary.

The post-Covid sales/earnings bounce back is now behind us. Supply chains are getting repaired, especially as China reopens and helps the semiconductor chip, auto and apparel industries. A more normalized trend line would be welcome news following extraordinary spikes since Covid impacted the globe:

Low Unemployment is a Negative Lagging Indicator:

A little counter intuitive to say the least. One would think that having full employment, rising wages and stability in the jobs market would be great news. It is for those employed, but history says the stock market is less than enthused. This goes back to the old adage that good news gets priced in well before the data arrives. On top of that, once economies are fully employed, it allows the proverbial punch bowl to get pulled. Tighter monetary conditions arrive in order to quell inflation. In the opposite scenario, like the post-Covid period when much of the world was not working, money is pumped into the system.

Here are some historical returns (email for a cleaner version: jvogt@towerbridgeadvisors.com):

Our current unemployment rate of 3.4% falls squarely in the lower expected return bucket of less than 4%. At the peak of Covid (when the sky was falling and no one wanted to buy stocks), unemployment was nearly 15%. That was the time to pound the table and buy stocks. Nothing here is obvious to a casual follower of earnings and profits. However, one must answer the question, how much better can it get?

Futures are now pricing in possibly three more rate hikes and zero cuts in 2023. Inversions have always mattered…eventually. Covid threw a wrench into everyone’s “normal” economic cycles, creating a rolling recession in various industries. Years of demand for PC’s, smartphones, home furnishings and even pools were pulled forward during lockdowns. On the other end, spending on new cars, vacations, dining out and many other services were pushed out. Savings accounts boomed during the pandemic and are still elevated for many. While economists’ models point to a recession a few months after almost every inverted yield curve, this post-Covid world is not like others. As noted, first quarter GDP estimates are rocketing higher after only one month of data. All signs point to a soft or even the no-landing scenario for now.

Our Fed is laser focused on a tight labor market. Their belief is that inflation will get back to 2% without some pain here. Less employed = less money to spend = lower prices. Only then will they attempt to normalize interest rates, as in pivot. Looking back at times when the Fed does finally pivot shows some tough markets. In summary, get used to tighter lending standards and higher interest rates.

Junk is having its day in the sun, but all of the above continues to point to sticking with companies that have high-quality, clean balance sheets, low debt levels, high free cash flows, predictable earnings streams and are gaining market share. We have no idea what 5% interest rates mean in today’s high debt world. The bear market could be over, but history is fraught with a not-so-great period…somewhere down the road. For now, data looks solid, buybacks are accelerating, and consumers are willing to spend. Enjoy the good times but do not get out over your skis.

Michael Jordan, and his ~$2 billion net worth, turns 60 today. Ed Sheeran is 32, and Joseph Gordon-Levitt is now 42. Larry the Cable Guy is 60, and the Director of Armageddon, The Rock, Bad Boys and Pearl Harbor, Michael Bay, turns 58 today.

James Vogt, 610-260-2214

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 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.
Next Post: February 22, 2023 – Higher interest rates and signs that economic demand is slowing provides a double whammy for stocks. Rates remain within a range set since last October. While earnings forecasts are moderating, as is normal, the real headwind for stocks remains valuation. Until valuations normalize, stocks will have a tough time making meaningful headway. »

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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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