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Rising Interest Rates

20.8%
3.3%
1.1%

When Rates Rise, Cash-Rich May Win

Who wins when interest rates rise? Given the significant interest income that online brokers, custodian banks, and other financial services businesses earn on customer cash balances, they stand to profit in an environment of rising rates. The low rates of recent years have pressured the interest income stream for these financial businesses, but in typical rate environments, some can derive as much as 45% of their revenue from lending. And while potential homeowners and other borrowers might not be thrilled about it, an uptick in rates could mean quick cash flow for those who hold customer cash. <br><br><b>Rising Interest Rates in numbers: </b> </br>-Fourth quarter net interest income in 2018 rose an average of 8 percent from a year earlier, thanks to growth in interest-bearing assets and wider net interest margins among 5,406 FDIC-insured commercial banks and savings institutions.[1] See More
20.8%
3.3%
1.1%
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Weight Segment & Stocks Symbol 1 YR Return
66.2% Regional Banks 17.5%
8.3% First Financial Bankshares, Inc. FFIN 11.0%
7.7% 8xxxxxx 8xx 88.8%
7.6% 8xxxxxx 8xxxxxxxx 8xxxxxxxxxx 8x 88.8%
6.1% 8xx 8xxxx 8xx 88.8%
6.0% 8xxxxxx 8xxxxxxx 8xxxxxxxxxxxxx 8xxx 8xx 88.8%
5.7% 8xxxxx 8xxxxxxx 8xxxxxxxxxx 8xxx 88.8%
5.5% 8xxxxxxxxx 8xxxxxxxxx 8xxxxxxxxxxx 8xxx 88.8%
5.0% 8xx 8xxxxxxx 8xxxxxx 8xx 88.8%
4.3% 8xxxxxx 8xxxxxxxx 8xxxxxxxxxx 8xx 88.8%
3.8% 8xxxxxx 8xxxxxx 8xxxxxxxxxx 8xx 88.8%
1.3% 8xxxxxxxx 8xxx 8xxx 88.8%
1.1% 8xxxxxx 8xxxxxx 8xxxxxx 8xx 8xxx 88.8%
1.0% 8xxxxxxx 8xxxxxxxx 8xxxx 8xxx 8xx 88.8%
0.9% 8xx 8xxxxxxxx 8xxxx 8xxx 88.8%
0.9% 8xxxxxxx 8xxxxxxxxxxx 8xx 88.8%
0.9% 8xxx 8xxx 8xxxxxx 8xxx 8xxx 88.8%
32.7% Investment Banking & Brokerage 21.4%
19.5% Charles Schwab Corp. SCHW 26.1%
12.0% Raymond James Financial Inc. RJF 15.6%
1.1% 8xxxxx 8xxxxxxxx 8xxxxxxxxxx 8x 88.8%
1.2% Thrifts & Mortgage Finance 33.7%
1.2% 8xxx 8xxxxxxxx 8xxx 8x 88.8%
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