With the financial landscape shifting under recent news, especially the quasi-nationalization of Freddie Mac and Fannie May, I believe that it is time to speculate on selected regional banks for both dividend and total return over the next few quarters and beyond. Notice that I say speculate, as investors deep down inside know that there will be a continuing fallout as worthy financial institutions survive and those fatally contaminated flop.Here are a few regional financial choices for you to research. They shed a nice dividend that appears supported, trade at a decent volume per day and have a successful niche market, excellent management, or both, indicating hope for future prosperity.S&T Regional Bank (STBA) trading at $35.23/share with a yield of 3.44%.Sterling Bancorp (STL) trading at $16.80/share with a yield of 4.52%.First Commonwealth Financial Corp. of PA (PCF) trading at
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