I made an entire blog entry about AFSI a few weeks ago. See my blog for my opinion of the company.  --Basically, this stock is probably heading toward $17-$18 pretty soon.  My trading styles tends to "ride the wave" and buy on dips and sell on spikes, rather than waiting for the "home run".   Buying AFSI at below $13 is a steal in my book.  Even at $15 or $16, this still would still be a good purchase for a long.  I recently sold and made some $, but I'll buying again on the next dip.  I can see AFSI hitting $17-$20 and then dipping substantially before rebounding.  Until then, I'm buying up AMSF  at below $13.50 or below.  I keep my eye on AFSI and AMSF...two of my favorite stocks.