Fantastic posts winner and Beagle, very good reading and data to back it up.
re: CBA as an outlier in both your postings
Based on the capital ratios as I detailed on here on this thread:
https://www.sharetrader.co.nz/showth...l=1#post845234
Here is a good read around BAC and Buffet's position on it:
https://www.fool.com/investing/2020/...ment-in-b.aspx once you've read that article, I think its safe to ascertain that CBA is the Bank of America with regards to Australia/NZ.
One thing that would certainly re-rate HGH's Shareprice higher is improving these capital ratios.