Are the dividends from your bank stocks safe? Stress test results put pressure on future payouts

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OPINION: The Federal Reserve's bank stress tests put dividend payments at risk. Among the 'big six' U.S. banks, it appears Wells Fargo is the most at risk for a third-quarter dividend cut.

The Federal Reserve on Thursday announced the results of its annual stress tests for 33 large U.S. banks and U.S. subsidiaries of foreign banks. Since the Fed’s “severely adverse scenario” for the stress tests was designed in February, before the coronavirus pandemic caused a recession, the regulator also conducted “sensitivity analyses” to reflect a harsher economic reality.

The sensitivity analysis included three economic recovery scenarios, with unemployment peaking at levels ranging from 15.6% to 19.5%. The good news, according to Federal Reserve Vice Chair for Supervision Randal Quarles, was that “the banking system remains well capitalized under even the harshest of these downside scenarios — which are very harsh indeed.” He also said the banks will be required to “resubmit and update their capital plans later this year to reflect current stresses.

But from the above numbers, it would appear third-quarter dividends are likely to be unchanged from the second quarter, except possibly for Wells Fargo. “The banks’ voluntarily suspending buybacks in mid-March through the second quarter was already far more impactful for the preservation of capital,” he said during an interview.Fed’s Brainard says to suspend dividend payments Lael Brainard, a member of the Fed’s Board of Governors, said in a statement that the banks’ strong capital buffers were allowing them to “play a constructive role in responding to the COVID-19 pandemic.

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Fuck the Federal Reserve and the US petrol dollar.

What’s more important? Dividends now or massive losses or worse later in the event of a fiscal crisis?

SP500 is not looking good. We have a gap that got filled, then started headed lower. Today, the SPY (SP500 tracker) closed BELOW the 200 DAY MA. Next support is the 50 DAY MA, then 100 DAY. I think it will break both next week.

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