Banks are not good businesses for a shareholder. When a bank is in trouble the shareholder tends to be zeroed to protect deposits. PE ratios for bank stocks ten

Banks are not good businesses for a shareholder. When a bank is in trouble the shareholder tends to be zeroed to protect deposits. PE ratios for bank stocks tend to be bad. You have a lot more leverage being a big client of a bank than its shareholder. The pecking order is roughly big client > senior management ~ shareholder > other senior employees > smallish client > junior corporate employee > retail client ~ teller.