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February 3, 2023 – So much for tight monetary conditions!? Stocks roared yesterday following Fed Chair Powell’s question and answer session. There was little new news to digest, but any hint of a pause is being taken with rampant FOMO and short covering. Stocks staged an impressive 2-day rally. All eyes are on payrolls today, following a less than stellar earnings evening on Thursday.

//  by Tower Bridge Advisors

The Fed’s statement, along with Chair Powell’s presser, followed expectations, but offered some minor hope for the bulls, intended or not. As soon as he spoke the word “disinflation”, markets started to rebound, especially in growth and cyclical sectors. In another answer to reporters, he noted “There is a difference in perspective by some market measures on how fast inflation will come down. We will have to see. I mean, I am not going to try to persuade people that I have a different forecast, but our forecast is that it will take some time and patience, and we will need to keep rates higher for longer, but we will see.” Those who believe inflation will go down as fast as it went up took this as a change in sentiment. Clearly, the Fed’s forecasting track record is suspect. If they are wrong (again) and inflation does start to come down faster, this whole “higher for longer” will revert to what the market really wants, which is rate cuts later this year. Consider this possible, not probable, at the moment.

Bond yields also dropped further, adding more fuel to the P/E expansion rally. Fed Fund futures are pricing in one more rate hike in March, then a pause, going against the Fed’s stated comments. If economic data continues to show lower inflation, lower wage gains and a slowdown in hiring, the Fed will have to follow the market’s lead. Today’s jobs report will be another important one to say the least.

Facebook, AMD and a few other technology reports helped the Nasdaq continue its leadership change for 2023, with the index already up ~16%+ this year. The S&P, Nasdaq, Small-Cap and Mid-Cap indices all broke out of near-term trading ranges and are posting multi-month highs. The U.S. Dollar is at a 9-month low, which helps our multinational mega caps. Semiconductor, Housing, Transportation and Discretionary sectors are showing real strength, which is much more bullish than having Staples, Utility and Defensive stocks leading like in 2022. Is this relief rally from oversold conditions leading to a new bull market? Time will tell, and stocks are very overbought right now. Busting through the 4,100 level on the S&P was a big first step. Now we attempt to break out of the yearly range that tops at 4,300.

Brief Review of Important Earnings Reports:

UPS#: Delivery of packages is one tough business. While navigating gas price inflation, UPS also ran into rising employee pay demands. Following a slower holiday season, earnings came down relative to last year, but cost controls by a stellar management team helped the bottom line. Consumer spending demands clearly shifted from goods to services in 2022, and are continuing into this year, lessening the demand for packages at our doorsteps. Fortunately, the slowdown was more than priced in as the stock finished +4.5% following the report. UPS trades at 15x forward earnings and carries a growing 3.5% dividend yield.

Facebook#: Talk about a 180-degree turnaround. Recall that last quarter investors were hoping for some semblance of cost controls in Facebook’s massive spending on the metaverse. They got the opposite and META stock cratered below $90. Fast forward just three months and management is cutting expenditures substantially, helping drive a 23%+ increase yesterday and putting the stock back over $180, more than double its price just a few months ago. They are lapping the Apple data control headwinds, expanding time spent on Reels, and continuing to control massive screen time from consumers. The company earned nearly $14/share a couple of years ago and is now expecting over $10 in 2023 with upside possible from stock buybacks and further cost cutting.

Apple#: A rare miss from the largest public company in the world. Revenues fell year-over-year but would have been positive if currency effects were not included. Supply issues remain as Covid lockdowns in China damage production volumes. iPhone revenues, still the company’s main driver of earnings, missed expectations by over $3 billion. Do not feel bad for Apple though, as they generated ~$30 billion in net income for the quarter. The stock trades at 24x this year’s estimates with a minimal dividend yield.

Amazon#: After a 31% rally to start the year, investors had high hopes for a blowout quarter from the retail and cloud hosting leader. Revenues were handily ahead of estimates at $149 billon. Operating income was also ahead of their projections as well. However, as we saw with Microsoft, cloud hosting demands are slowing, as clients have to match sketchy end markets with cost discipline for internal data needs. Amazon continues to be very expensive based on today’s earnings; however, they are investing heavily and not exactly focused on profits right now. Including advertising, they are in a leadership role in three markets that have over $1 trillion in revenues to chase after. A recent move into healthcare could be the fourth pillar, along with delivery, small business lending, online groceries and other projects. The future is bright, but they need a Facebook moment with real cost controls being implemented.

Google#: The last of the mega, mega-caps and probably one of the more disappointing. Earnings were down 31% and missed estimates by 11%, a rare occurrence for this conglomerate, though some of this was due to mark-to-market accounting on investments. However, revenues were close to expectations, and backing out currency, they were up 7%. That is a pretty solid quarter considering the industry-wide advertising collapse they encountered. The stock was down 4% last night and now trades at 22x forward estimates. They also have $114 billion in cash on hand.

Credit Card Companies: The major providers have reported and consumers continue to spend, spend, spend. International travel (which carries higher margins) rebounded substantially this quarter as Americans continue to tour the world. Even with slower spending during the holidays, we continue to diminish the need to carry around physical cash. These companies are expensive, but offer consistent, above-market growth with a solid forward trajectory.

Markets are getting frothy here and valuations are getting stretched for many. Now may be a good time to reassess asset allocations and make sure one is positioned properly.

Nathan Lane is 67 today. Elizabeth Holmes, of the now defunct Theranos, turns 39.

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 1, 2023 – Today the Federal Reserve concludes its 2-day FOMC meeting. While a quarter point rise in the Fed Funds rate is a foregone conclusion, the future direction of short-term rates will be the focus of everyone’s attention. Given the strong performance of financial markets in January, one should expect an effort by Chairman Powell to temper the current enthusiasm.
Next Post: February 6, 2023 – Despite an unusually robust employment report on Friday, stocks gave ground, perhaps a sign that the January rally has run out of steam. While I don’t expect a retest of the October lows, some giveback is needed to create bargains. »

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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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