The consumer financial services are in a bit of rut (obviously), but NICK looks like it could be a longer term winner. For the most part good fundamentals. Decent earnings. Low PE, and P/B. The earnings are expected to slightly decline over the next few quarters (as expected in this industry). What I really like about the stock though is that no one is watching it even with decent fundamentals. Only 1 analyst appears to be following it. It also has a very low beta (.29) which IMO, is suprising (and a positive sign) for this industry. Insider buying is happening too and no selling over the last 9 months. My personal target $8-$9 range.