Category: Wealth

Good Monday everyone and welcome to the BCB Cyber Series that takes on the tech stocks that can provide the cyber-fuel we need to pursue our digital wealth passions.

Top Tech Stocks to Buy in Tech: Medtronic

Today, we are returning to Mega-Cap Tech Stocks, and this month that means the world’s largest medical device maker: Medtronic.

Before we get there though, as always, our reminder: with BCB Cyber we dig for the cyber-fuel we need, we are always working to make sure the best of the best, those monster companies in Tech, form a key portion of our portfolios.

For all these mega-cap stocks, just like Investopedia, our core defining feature is that the market cap is over $200 Billion! As always though, we dig deeper still, looking for those companies that are pushed by incredible disruptive tech with a great story, not to mention having a solid base in the numbers.

Before we dive too deep though, we strongly advocate that we don’t act solely on anyone else’s opinion, not even ours! Make sure we are all thinking for ourselves as self-definers and making our own decisions. In the end, the responsibility is on each one of us as individuals. So decide wisely!

Jumping right in now the BCB Cyber way, we cover 3 quick pieces of important information so we can get moving on our day. First, we tackle the story to find out who and what the company is, second, we look at the numbers both positive and negative, and finally we discuss our position on the stock.

This is TS2B, Tech Stock to Buy, Mega-Cap edition, and this week we are going to take on Medtronic, the Dublin, Ireland, device-based medical therapy maker.

BCB Cyber: Mega-Cap Analysis for 01.18.21

1 – STORY

Medtronic

Medtronic is simply one of the most well run, diversified, and healthy company’s we’ve seen. Particularly at the level of a Mega-Cap in Health and Biotechnology! Not only is Medtronic diversified into four aspects of quality health businesses (Cardiac/Vascular, Minimally Invasive Therapies, Restorative Therapies, and Diabetes), the company is also diversified across markets seeking to building a strong base across all humanity.

However, where this company truly excels is in its push to bring forth truly disruptive, yet profoundly helpful technologies. With a large, well qualified and respected emergent product line, the sky is the limit for Medtronic.

Medtronic company info (image gallery above) from JP Morgan Healthcare Conference Presentation January 2021 blended with BCB Cyber Fuel for a whole new experience!

As if being best in class and built on a terrific pipeline that is “the strongest in the companies history” weren’t enough. Medtronic has also broken through and could be considered the top-notch exemplar for all ESG world investors to look for!

2 – BY THE NUMBERS

BCB Cyber loves to follow five specific metrics: Revenue Growth, Forward Price to Earnings Ratio, Return on Assets, Operating Margin, and Debt Considerations.

Starting out, Medtronic is a bit of rule breaker for BCB Cyber as the market cap is slightly under the $200 Billion Mark.

Perhaps more importantly, Medtronic has a forward P/E that is starting to rebalance to where it was before the global health crisis began, as are Price/Book an Price/Sales ratios. The market picture for such large, impactful companies has definitely become more clear and despite the chaos in the world does appear to be settling in.

Medtronic’s revenue numbers continue to be strong despite the global headwinds of the past year. The company has consistently produced numbers in the 28 – 32 Billion Dollar range (above).

One area where there is little continued doubt is in effectiveness and profitability where both are demonstrated (above) to be in quality territory.

Now we turn to the balance sheet where our only concerns start to emerge. While Medtronic does have a quality cash position and a strong Operating Cash Flow (ttm) of $6Billion, we do see that total debt (ttm) has doubled the current cash position and does require a watchful eye to ascertain whether or not this will continue to be manageable.

Diving deeper still into the debt picture (above) we also see that in the last twelve months (ttm) Medtronic did issue a great deal of debt, however this does require the understanding that rates have been extremely low during the health crisis and that shareholder value was not terribly diluted during this period as only a small issuance of capital stock was allocated. Despite the health crisis, Medtronic did manage to navigate the storm with a strong cash flow position that will allow it to handle present and future challenges.

3 – THE BCB CYBER TAKE

As of this morning, on 01.18.21 (Happy Martin Luther King, Jr. day everyone!), my own portfolio has a position of 3.48% in Medtronic with a cost basis (average cost) of $91.35. This is definitely a stock worth buying at the right price and one that BCB Cyber believes to be the right fuel for the fire! In fact, we’d be willing to say its one of the best disruptive tech plays in all of BioTech, definitely a best in class kinda company.

Analysts would definitely seem to agree as Morgan Stanley recently gave Medtronic an upgrade and many others are recommending a buy, particularly given the fact that the stock price does seem to sit in value territory (see below)!

Remember, we are just like the masses, struggling to make ends meet and build our future. So, we start building and keep doing our homework. This is just what we need to start us on our journey toward cyberizing our lives.

BCB Cyber believes in the potential for this risky, tech innovator and loves the story. However, this is definitely a stock worth buying at the right price (we previously said $115/share, but would now move to $120/share given this analysis)!

Remember we at BCB Cyber balance our perspective and cyberize our wealth over a longer term of 5 years or more. We will definitely be looking to add balance to our position, with the right portfolio proportions of between 4 to 5 percent and at the right price. Medtronic, definitely puts the “Tech into med-tech!”

Remember, as always, think for yourself, do your own homework, and cyberize your life with the best in disruptive tech. Learn more in our Wealth Section and dive deeper into Establishing the Baseline on BCB Cyber.com!

TS2B – High Growth Edition

Bionano Genomics (BNGO)

TS2B: Growth Edition, Second Monday of the Month

Good Monday everyone and welcome to the BCB Cyber Series that takes on the Tech stocks that can provide the cyber-fuel we need to pursue our digital wealth passions.

Today, we are back on track in the new month and a new year with Tech-Growth Companies. As always, we are digging for the cyber fuel we need. For all growth stocks, we are looking for top-line revenue growth of 20% or more!

Growth of Bionano Genomics

This week we are diving into Bionano Genomics, a much talked about stock opportunity as of late, to see what all the fuss is about. As BioTech, Health, and Genomics are all issues of particular importance to BCB Cyber, we couldn’t pass up this opportunity.

Before we dive too deep though, as always BCB Cyber loves the deep dive, we strongly advocate that you don’t act solely on anyone’s opinion, not even ours! Make sure we are all thinking for ourselves as self-definers and making our own decisions. In the end, the responsibility is on each one of us as individuals. So decide wisely!

Jumping right in now, we do these quick deep dives so we can all get the info we need but also do so in a way that keeps us going in our day. To do this the BCB Cyber way we cover 3 quick pieces of important information. First, we tackle the story to find out who and what the company is, second, we look at the numbers both positive and negative, and finally we discuss our own BCB Cyber position.

This is TS2B, Tech Stock to Buy, hi-tech growth edition, and this week we are going to take on Bionano Genomics, the San Diego, CA life science instrumentation company blowing the doors of genomics wide opening with its tech, known as Saphyr. This product is set to disrupt the way we visualize the genome and detect variation in the genome (a complete set of the genetic material in a cell) caused by disease.

Thanks to Bionano Genomics

We’re gonna be honest, Bionano Genomics is a rule breaker for us as it does break the 20% rule. In the chart above we did see that as BNGO from 2016 to 2018, did meet this guideline on revenue growth it has recently had a few slips. However, there is a lot going on with this company that requires further examination. So as always with the riskier plays, we are gonna wade in slowly and keep a watchful eye.

Bionano Genomic’s Saphyr though has incredible promise to help reset our baseline capacity for genomic mapping (examining the layout of our genetic material). Where they go from here will definitely be a story worth following.

1 – STORY

For us in this review, the story of Bionano Genomics is all about getting the bigger genetic picture on disease, more clearly, easily, and at a better cost. Better yet, that’s exactly the news we see coming out about this incredible BioTech.

Furthermore, there is little doubt that the quality of Bionano Genomic’s Saphyr has been given industry approval and new developments are underway that could lead to very big things not only in humanity’s ability to fight disease but also in the potential for Bionano Genomic’s ability to succeed as a company. Recognized in the US by the College of American Pathologists (accredited) and partnered with Praxis Genomics (a leading tech health company in end to end diagnostics), Bionanon Genomics is on a bright path.

Bionano Genomic’s technology, known as Saphyr, simply does it better and more easily; not to mention cheaper, as noted above. Where other programs have come up short in being able to image variations in a variety of diseases, Saphyr comes through.

Better yet, adoption is readily at hand by the medical community as not only does Saphyr perform genomic mapping for less and more completely, but they add ease of use and streamlined efficiency.

Industry recognized, reduced costs, and ease of adoption all provide a unique opportunity for this BioTech to play a significant role in genomic mapping of the future. We at BCB Cyber tend to agree with Maxim analyst Jason McCarthy in that this company has the potential to be a game changer.

2 – BY THE NUMBERS

BCB Cyber loves to follow five specific metrics: Sales/Revenue Growth (noted above), Forward Price to Earnings Ratio, Return on Assets, Operating Margin, and Debt Considerations.

Again we see here that revenues have stagnated for Bionano Genomics. However for 2021 analysts are predicting a revenue jump to $17.97 Million on average from a paltry $7.45 Million in 2020 (anticipated). This would be nearly a 50% increase over their high in 2018.

One of the biggest metrics that makes this stock such a risk is not only the lack of profitability demonstrated by not having a P/E but that Price to Sales and Price to Book have jumped to such extraordinary highs. Market Cap alone has jumped nearly 22x since December of 2019.

It is clear that with the leap and bound in market capitalization over the last couple of years that the market sees an opportunity. However an Operating Margin of -453% and a Return on Assets of over -68%, yes those are both negative, clearly demonstrate how tough being in this business can be.

These are tough statistics to overcome yes, but the opportunity is there. As the market too has realized this, the company has seized the opportunity as they should and begun to raise money at the increased market valuations. The most recent raise announced will price at $3.05 per share. In addition, the current balance sheet demonstrating a cash position that allows the company to cover debts, will in combination to the most recent raise offer Bionano the chance to whether the storm while they push for industry adoption of Saphyr.

Bionano has a tough uphill challenge ahead of itself. However, with a prime tech and a new, more well funded cash position provided by the market, there is a lot of opportunity here. However, it does appear that with a stock price that ran to around $7 last week, an settling in just under $5 as we predicted last week, we believe the stock to be a little hot. While we do like this stock a lot, we come into it with open eyes.

3 – THE BCB CYBER TAKE

As of this morning, on 01.11.21, our stake in Bionano Genomics sits at 0.95% of our portfolio with a cost basis of $4.74. As the stock continues to trade up (this morning it is moving to nearly $6 pre-market), we will remain patient. As our desired position, being such a risky position, sits at 1% and we are nearly there. As the price bounces around in the coming weeks and months, we’ll be looking to add if the market reacts down to maintain our position. We’ll be investing for the long term opportunity, our target to buy always under $5. However, we’ll also be prepared to ride the wave. We’ll be building!

Remember, we are just like the masses, struggling to make ends meet and build our future. So, we start building and keep doing our homework. This is just what we need to start us on our journey toward cyberizing our lives.

BCB Cyber believes in the potential for this risky, tech innovator and loves the story. However, this is definitely a stock worth buying at the right price and one that BCB Cyber believes to be the right fuel for the fire! Remember we balance our perspective and cyberize our wealth over a longer term of 5 years or more. We will definitely be looking to add to our position, with the right portfolio proportions of 1 percent and at the right price.

Remember, as always, think for yourself, do your own homework, and cyberize your life with the best in disruptive tech. Learn more in our Wealth Section and dive deeper into Establishing the Baseline on BCB Cyber.com!

T3TB January 2021

Top Three Tech Buys for January 2021

What does Wealth mean for us? What would we become if money didn’t rule our lives? Who would we choose to be? How can technology transform our lives in Wealth?

Join BCB Cyber every Monday as we seek to provide the Cyber-Fuel necessary for each of us to answer these questions and so much more. Here is where we review the best of the best, current opportunities as we see them in our portfolio to help build wealth in disruptive technology. Remember, we always need to do our homework and think for ourselves!

A Monthly Platform, Every Monday: Top Buys in Tech Growth, Mega-Cap, and Dividend Plays!

Each and every month we bring to you the best buys in disruptive tech. First Monday of the Month we announce the best three in the BCB Cyber portfolio and those desired. Remember, the BCB Cyber way invests, we don’t trade. We research and do the work necessary to understand a company, then examine it against opportunities in disruptive tech. We build our positions slowly into a stock, buying over time for the long term. We are not subject to short term whims but look to build our future selves on great companies looking to redefine the world! Join and share in the discussion, for all ideas are better when tested against the torrent of the masses.

On the second Monday, we dive right in with the month’s best growth stock in disruptive tech. This could be a great projected growth rate, a phenomenal new tech to consider, and weigh opinion on or more!

On the third Monday of the month, we hack a Mega-Cap. We’ll dive deep and explore these companies through a variety of metrics to makes sure we tear apart the story and get to the heart of the opportunity.

On the fourth and final Monday of the month, we bring tech-balance. It is here where we provide a discussion on the opportunity to further fuel our growth capacity. We dive deep into disruptive tech dividend plays. We explore how they can become a passive income source, that helps pay us while we sleep to tech-fuel our waking lives!

January 2021

This is the TECH Stock Review: T3TB for 01.04.21

Make sure to come back every Monday this month as we explore each one of these stocks. And remember, TECH Stock Review: T3TB comes back to start each and every month!

If you’d prefer the video version, check back on our blog every Saturday as we turn the week’s stock review into a quick flash review that gets us the info we need but keeps us fueling our passion with the Cyberized knowledge we need!

For more Cyber-Fuel on Wealth, please check out our dedicated section on the subject.

Top Ten Things to Know About Bitcoin

What is the Best Use of my $600 Stimulus Check???

In mid-November 2020, Bitcoin shot past $18,000. This past weekend, Bitcoin hit nearly $28,000 (see below).

Where will it be at the end of 2021?

In crypto we trust, and in bitcoin, there is a unique opportunity set before us.

Assuming all goes as planned, Americans are set to receive a second stimulus check of $600. As we have all suffered under the weight of 2020, much is uncertain for all of us. Above all else, we entreat everyone to protect themselves and make the wisest use of the money in their unique situations that help take care of their individual needs. However, if those needs are already met, we should all be thinking about the opportunity to develop our financial well-being so that our needs in the future are maintained as well.

All that being said $600 doesn’t get us very far. While Dems and Reps spout off in DC, and Trump continues the push for $2000, we should be working on doing our homework and taking care of business for ourselves. For, in the end, the responsibility is on each one of us as individuals.

So now we get down to business. Throughout the month of December, we covered three great stocks that can help us on that journey.

Next Monday, we’ll cover three more. In the meantime, something truly unique is going on. Bitcoin is creating immense value for the faithful.

One of the experts at a leading global bank, that being Citibank’s Tom Fitzpatrick, has predicted that by the end of 2021 bitcoin would peak at $318,000. For bitcoin to do that, it would need to reach a multiple of approximately 11.42 times Sunday morning’s high.

Now for the magic, if we invested our $600 at that high and Bitcoin does peak at such a level in 2021, we would all have a peak balance of approximately $6,852. That’s nearly $7K! I’ll bet that would help out our individual finances a great deal. And the best part, there are estimates that place the opportunity much higher!

Even if Bitcoin performs only half as well as that prediction it would still represent nearly $3500. Still, far better than that $600. And finally, even if it floats around current levels the future is bright as some of the more respectable names in the field have stated their belief that Bitcoin will even go to $1,000,000 (see vid below). That would turn our $600 into over $21,500.

Thanks to Paul G. Potts

So, if we believe that Bitcoin is a true store of value, represents the digital future that is now, and offers a simple opportunity to join a worldwide financial revolution. Bitcoin HODLing may be for us! We know it is for BCB Cyber! Best wishes to all and look forward to seeing everyone back here next Monday for some great new stock picks!

Dividend Payer Edition on Vornado Realty Trust

Good morning all you Cyberpunks out there and welcome to the BCB Cyber Series that takes on the Tech stocks that can provide the cyber-fuel we need to pursue our digital wealth passions.

Today we are tackling those big dividend payers that can add passive cash flow to our portfolios. As we dig for the cyber-fuel we need, we are always working to make sure the best of the best, those monster companies in tech, can form a key portion of our balanced portfolios.

For Dividend Payers, BCB Cyber is always looking for a forward annual dividend yield of over 3% as our key, defining characteristic. Better yet, we are looking for great tech companies we can build on overtime, delivering consistent value and technological prowess, not to mention a little cash on the side.

A Unique Play on Real Estate with a Technological Twist

One of the biggest names in the biggest markets of real estate, Vornado Realty Trust truly separates itself from the pack with a unique set of holdings that often emphasize bringing technology into daily life. Better yet, they do so with a current yield of 5.55%.

Vornado is a best-in-class real estate company holding incredible assets in the cyberpunk’d, corporate-dominating landscapes of New York City, Chicago & San Francisco.

In doing so, Vornado holds real estate in the most desirable, growth centric areas around the United States.

Before we dive too deep though, we strongly advocate that we don’t act solely on anyone else’s opinion, even ours! Make sure we are all thinking for ourselves as self-definers and making our own decisions. In the end, the responsibility is on each one of us as individuals. So decide wisely!

BCB Cyber: Dividend Payer Edition on VNO

Jumping right in the BCB Cyber way, we cover 3 quick pieces of important information so we can get moving on our day. First, we tackle the story to find out who and what the company is, second, we look at the numbers both positive and negative, and finally we discuss our position on the stock.

This is TS2B, Tech Stock to Buy, Dividend Payer Edition, and this week we are going to take on Vornado Realty Trust, the New York City Real Estate powerhouse is the industry leader in sustainability policy that has been on the NYSE for nearly 60 years.

1 – STORY

Owning/operating over 23 million square feet of LEED-certified buildings and receiving the Energy Star Partner of the Year Award, Sustained Excellence 2019, the story for Vornado Realty Trust (VNO), is one built on growth in the strongest urban markets in the U.S. with a commitment to sustainability and innovative technology in energy management.

Technological advancement in sustainability has led to a number of innovative features for tenants including web portal interfaces allowing for direct and more accountable management of environmental systems. The ultimate goal of being sustainable spaces.

Going the extra mile no one else goes, Vornado Building Management Services is the leader in this industry… as their site advertises, “(w)e hold more green certifications than 99% of industry peers. Our dedicated Sustainability department, with LEED AP O&M certified staff, proudly partners with leading green organizations to ensure that our BMS Green Clean℠ program exceeds industry standards.
At BMS we don’t just talk the talk.” BMS is a wholly-owned subsidiary of VNO.

Don’t just rest on these laurels though, because there are so many more…

In addition to this standard of the ultimate quality in product, VNO integrates the latest in technological art experiences as a growth driver. TheMart space in Chicago is a new defining element in the world of urban architectural stylings. Bringing the fusion of architectural art to digital art forms from renowned artists, the space is the largest permanent digital art projection in the world!

The best part of this for us lowly investors, however, is the current price of the stock. As the man said, “the time to buy is when there is blood in the streets.” Perhaps there is no better personification of this in the markets today, when embroiled in global economic standoffs and then the current global health issues, real estate in NYC bears the brunt of all these issues the last few years and it shows in their stock price.

The time is definitely now though as insiders have been buying up shares slowly and under the radar already.

2 – BY THE NUMBERS

Turning to the numbers now, BCB Cyber loves to follow five specific metrics: Revenue Growth, Forward Price to Earnings Ratio, Return on Assets, Operating Margin, and Debt Considerations.

We see… A solid and stable revenue profile…

A value proposition in the current Forward P/E of 34.36, while it may not seem like it compared to the broader market, within property managers it is within range of their 33.26, and compared to itself it is historically a better deal at nearly half of the previous cost; Forward P/E was over 60 in December 2019. Even more significant is the fact that since we are talking real estate in prime markets with quality dividends, Price to Book in the most recent quarter of 1.26 represents a deep value to the value of the assets of this company when compared to itself last year as well!

A Solid to Strong Operating Margin, and a quality return on Assets… Given 2020 we’ve had, where markets have been incredibly tough rents, these are incredibly encouraging results for the last twelve months.

The balance sheet also bears the need for a watchful eye as the debt ratio is a bit high…

However…

We did see a balanced cash position with repayment of debts on par with past activity and a solid ending cash position.

In addition to our straight 5, we’ve got a few extra this week. Analysts have also demonstrated an ebb & flow feel for this stock but looks to be turning bullish once again. Our time for investment may be waning!

Finally, as a dividend payer, BCB Cyber loves to see the over 3 percent forward annual dividend yield and VNO currently has a yield of 5.55% as seen in the introduction to this post and a Forward Current Yield of 5.77%.

3 – THE BCB CYBER TAKE

As of this morning, on 12.21.20, our own portfolio has a position of 1.50% with an average cost of $34.29 but with this morning’s drop just now (7:12 AM MST) to below $36 we are looking to buy again and build! This is definitely a dividend payer worth buying at the right price and one that BCB Cyber believes to be the right fuel for the fire!

Remember, we are just like the masses, struggling to make ends meet and build our future. So, we start building and keep doing our homework. This is just what we need to start us on our journey toward cyberizing our lives. Remember too, never place a market order, only go to the LIMIT! Get exactly the price we set for ourselves!

Remember, as always, think for yourself, do your own homework, and cyberize your life with the best in disruptive tech. Learn more in our Wealth Section and dive deeper into Establishing the Baseline on BCB Cyber.com!