No more div shall pose a big challenge to this stock as most buyers r waiting for div to tide over bad times . Next div will b in next year 6 months along the road . with or without div also poses another hurdle for the stick . Extension of RMCO to Dec will hit hard in bank stocks n the lower interest will mean more money r getting out fr banks to the more attractive stocks . Credit squeeze n bad loans r bound to increase due to jobless n unemployment. GDP shrinks n revenue drop drastically.