Major banks and brokerage houses like Goldman Sachs trade below net tangible assets per share.

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Wells Fargo ( WFC) and US Bancorp ( USB), however, trade far above their tangible book value, and their non-deposit liabilities make up just 21.7% and 23.2% of their total liabilities, respectively.

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Trade is obviously not all that counts, but it can be a tangible way to make progress.

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