You are probably out of luck for a cheap buy in to CWB, at least in the near future. I am still no fan of this Bank's management but at $23 there is some money to be made, a decent dividend ,and there is no risk of this company turtling. They are predominately a Commercial Bank, most of their retail/personal dealings are those of the individuals whose companies they bank, so they are far from a major player in retail banking. Good news is TD Bank is still on sale at firesale prices, so there is still great opportunity around.