Hi, What do you think the bank stock price vs. housing price ? Is there any correlations ? The following is my guess: $B(t) = const * ($H(t + T) - H0)) $B(t) is the average bank stock price at time t, $H(t + T) is the average housing price at time t + T, where T represents forward looking fact. For example, T can be half year or a year. H0 is an constant, to represent the average housing price in the past. For example, H0 can be the average housing price of 2002. What do you think about this model ?