Until we get some clarity on the stress tests and credit, it'll be a lot harder to move materially higher in the near term.

Michael Cronin

What we'll continue to see is modest loan growth. I wouldn't expect a big acceleration in the back half of 2018, i'm not sure I see a catalyst out there for it.

Banks seem optimistic they'll be able to continue to pay dividends and they're advocating for paying dividends but the question is still out there and it's still weighing on valuations.