Richard X. Bove entered the securities industry at the end of 1965. Since that time, he has held positions as a Salesperson, Analyst and Director of Research with firms such as Wertheim & Co., Shearson and Dean Witter. For most of this period, his focus has been on companies in the bank and financial sector, but he has also covered building and business services companies. He has appeared on the major business news channels over 400 times in the past few years. He is quoted regularly in the financial press, including The Wall Street Journal and The New York Times. At one time, he wrote a regular column for the American Banker. Mr. Bove is a currently an Analyst with Rochdale Securities LLC. At Rochdale, Mr. Bove analyzes the banking and brokerage industries. His approach to stock selection and timing is heavily influenced by macro developments. He believes that these forces influence stock prices more than earnings over the intermediate term. Mr. Bove received a B.A. from Columbia University in 1962.