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Jim Sinegal

Jim Sinegal is a senior equity analyst for Morningstar Research Services LLC, a wholly owned subsidiary of Morningstar, Inc. He covers the banking and payment industries.

Before joining Morningstar in 2007, Sinegal worked for a middle-market investment bank and co-founded a software company.

Sinegal holds a bachelor’s degree in biology from the University of Southern California. He also holds a master’s degree in business administration from the University of Pittsburgh, where he received the Stipanovich Award as the program’s outstanding student in finance and the Robinson Prize for academic and professional excellence.


We expect the bank to repair its tarnished reputation given enough time, and the stock remains attractive relative to our fair value estimate--especially with a current dividend yield around 3%.