Regional banks and savings and loans have been slipping in IBD's industry rankings, but a couple of those stocks remain firm. ViewPoint Financial Group (VPFG) and Cardinal Financial (CFNL) are both forming potential flat bases. Both charts show tight trading. That's a sign of institutional presence in the stock, even though both are thinly traded. ViewPoint operates in the Dallas area, and has about $3.64 billion in net assets. Net interest margin