Welcome to Coin Community, ap0407. The counterstamp on your 1921 is there as advertising for a merchant, probably. Counterstamps are the subject of research and collection but they're generally considered damage and the value of your coin is reduced by both the counterstamp and the hole.
So from a financial standpoint your Morgan isn't worth much more than melt. As a story, between the counterstamp and the hole this coin probably has more history than any ten of its' peers. For me, as a result, it's a coin I'd be happy to own.
I agree it's a great one to have. I inherited some coins from an estate so I was just wondering more about it. Thank you for the information and the welcome I appreciate it!
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