An $8 stock in 18 months? ProbablyIf we take analyst's opinion( concensus ) that the ROE each year will be from 33to 35%, this price is quite possible. Now, sp's depend on many factors, the most important one is earnings and forward earnings is also important. Forward earnings or earnings per share for 2016 will be 30cents and with a P/E of 25 which is for the industry, the sp will be between $ 7.5 to 8 per share. Also bear in mind these are close approximations and not exact science figures. So, I think P75's opinion has some merit and of course proof of the putting is eating the putting.