Stock is a legal document, typical in the form of a certificate, that identifies ownership rights to a corporation. Stock is commonly identified in the equity section of the balance sheet. Different forms include Common Stock, Preferred Stock, Treasury Stock and many others.

Wells Fargo Bank – One Year Report

Wells Fargo Bank

One year ago on January 12, 2021, the Value Investment Fund purchased its first tranche of Wells Fargo Bank. At that time, shares were purchased for $33.24. In addition, financial analysis stated that the price per share would recover to about $53 per share within a year assuming the Federal Reserve would lift its growth penalty. Today, the stock surpassed $56 per share. The facilitator for the Value Investment Fund has twice raised the sale price. The first time was back about six months ago whereby it was increased to $58 per share. Most recently, it again was raised to $63 per share.

There are several positive forces that will see the price per share hit $63 prior to mid-year 2022. One, Wells Fargo is expected to report an outstanding 4th quarter for 2021 not only with good revenues, but outstanding profits too. Secondly, in March of this year, the Federal Reserve will raise the interest rates which push the revenues for all banks higher.

Treasury Stock – Fundamentals of Stock

Treasury Stock

Those corporations doing well and flush with cash sometimes buy back stock from their investors. Once purchased back by the company the stock is called treasury stock. However, in small business, buying back stock can significantly alter the entire corporate control ownership and impact the long term outcome and direction of the company.

Penny Stocks- Introduction

Penny Stocks

Those small publicly traded businesses with share prices of less than $5 and capitalization of less than $50 million are referred to as penny stocks. Penny stocks may trade on any of the major stock exchanges. For investors the risk is generally greater and the chance of instant success is remote at best. To counter this relatively volatile environment an investor can participate for a relatively low investment dollar amount.

Shareholder Dynamics in Small Business

Shareholder Dynamics

The majority of small businesses are owned by a single individual. An additional pool is family owned or controlled. The balance usually involves friends or relatives that are passive in ownership. These forms of ownership create some interesting shareholder dynamics and if not thought out, can create some legal and financial issues in small business when a life changing event occurs. 

Crowdfunding in Small Business


The process of collecting a large pool of investors, each contributing or investing a small amount of dollars for a highly focused project is referred to as crowdfunding. The crowd is financing the project or goal. This is very similar to how large non-profits address significant events worldwide. A good example is the American Red Cross addressing disaster relief in the aftermath of a major natural tragedy. 

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