T-Mobile (TMUS, $73.78) Money: a solution for "unbanked" customers?
America’s No.3 wireless carrier, T-Mobile’s latest foray into a new banking product may be a solution for 8.4 million ‘unbanked’ households -- the 6.5% of the American population who not have access to a checking or a savings account.
T-Mobile Money is offering a new checking account to customers, especially those with post-paid subscriptions, which could eliminate over-drafting concerns that tag with traditional bank accounts. The service, available to anyone and not just its customers, will allow customers to go up to $50 in the red without incurring penalties as long as the account balance is positive within 30 days. The said account comes with no fees and requires no minimum balance. It’s also offering higher interest rates than traditional banks. The accounts are FDIC insured up to $250,000 and comes with an ATM card that can used free of charge at more than 55,000 in-network Allpoint ATMs worldwide.
The account is best suited to a T-Mobile post-paid customer who can get 4% APY on balances up to $3,000 and 1% APY on every dollar over $3,000 when they sign up with their T-Mobile ID and deposit at least $200 each month. Everyone else scores 1% APY on all balances.
These conditions are fairly modest and easy to comply especially at a time when over-drafting charges are a major concern in the U.S. In 2017, Americans paid $34 billion in overdraft charges. This is why many Americans are now shunning which serves as an opportunity for T-Mobile to launch this timely service. Its easy-to-use checking account optimized for mobile use with limited fees could be the key differentiator to make a good impression on the ‘unbanked’ and may also provide a stiff competition to the already established players like Bank of America (BAC), Wells Fargo (WFC), and JPM Chase (JPM).
TMUS sees its Stochastic Oscillator recovers from oversold territory
On May 16, 2025, the Stochastic Oscillator for TMUS moved out of oversold territory and this could be a bullish sign for the stock. Traders may want to buy the stock or buy call options. Tickeron's A.I.dvisor looked at 59 instances where the indicator left the oversold zone. In of the 59 cases the stock moved higher in the following days. This puts the odds of a move higher at over .
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where TMUS's RSI Oscillator exited the oversold zone, of 22 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are .
The Moving Average Convergence Divergence (MACD) for TMUS just turned positive on May 20, 2025. Looking at past instances where TMUS's MACD turned positive, the stock continued to rise in of 52 cases over the following month. The odds of a continued upward trend are .
Following a 3-day Advance, the price is estimated to grow further. Considering data from situations where TMUS advanced for three days, in of 356 cases, the price rose further within the following month. The odds of a continued upward trend are .
TMUS may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on May 13, 2025. You may want to consider selling the stock, shorting the stock, or exploring put options on TMUS as a result. In of 89 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are .
TMUS moved below its 50-day moving average on April 25, 2025 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where TMUS declined for three days, the price rose further in of 62 cases within the following month. The odds of a continued downward trend are .
The Aroon Indicator for TMUS entered a downward trend on May 06, 2025. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
The Tickeron Profit vs. Risk Rating rating for this company is (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 73, placing this stock better than average.
The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Seasonality Score of (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Price Growth Rating for this company is (best 1 - 100 worst), indicating fairly steady price growth. TMUS’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (2.983) is normal, around the industry mean (4.826). P/E Ratio (23.473) is within average values for comparable stocks, (115.978). Projected Growth (PEG Ratio) (0.824) is also within normal values, averaging (8.215). Dividend Yield (0.008) settles around the average of (0.059) among similar stocks. P/S Ratio (2.486) is also within normal values, averaging (13.703).
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General Information
a provider of wireless voice, messaging and data services
Industry WirelessTelecommunications
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