Operating leverage at work
Revenue growing +2999.2% YoY vs OpEx -2.1% - 3001.3pp operating leverage (OpMargin: 36.4%)
Read banks through spreads, capital strength, and credit discipline instead of generic cash flow screens.
Banks do not behave like ordinary industrial businesses. Deposits are the funding engine, interest expense is part of operating economics, and the real questions are spread quality, underwriting discipline, and capital strength. The StatsAlpha(TM) bank framework looks at banks and lenders through net interest income, efficiency ratio, returns on equity and assets, peer pillar ranges, and banking-specific moat signals. It is designed for informational analysis, not investment advice.
A quick read on where this framework looks strongest today.
Top slices selected from the strongest data already available for this industry.
Recurring storylines, tone distribution, and representative beats pulled from active companies inside this setup.
Revenue growing +2999.2% YoY vs OpEx -2.1% - 3001.3pp operating leverage (OpMargin: 36.4%)
Trading at 61.5x EV/EBITDA (+514% premium to sector median 10.0x), but justified by 64.8pp ROIC-WACC spread (ROIC 98.7% vs WACC 33.8%).
Trading at 408.1x EV/EBITDA (+3977% premium to sector median 10.0x), but justified by 20.6pp ROIC-WACC spread (ROIC 59.3% vs WACC 38.7%).
For informational purposes only. Not investment advice.
Metrics that recur most often across stronger operators in this framework.
Banks (Regional & Diversified)
This framework uses all three Trade-Off Ledger axes with industry-specific weights.
Each axis sets a minimum evidence threshold. Higher coverage means the framework needs more supporting signals before the lens is treated as dependable.
Coverage thresholds and enabled metrics across the core trade-off axes.
Median and interquartile range across 500 companies in this framework.
Interquartile ranges show where the middle half of companies cluster, with the median pin marking the center of gravity for each pillar.
Scan the full company universe mapped into the Banks & Lenders framework using live search across company name, ticker, and industry.
| Company | Market Cap | Score | Price | Strongest Pillar |
|---|---|---|---|---|
|
Banks - Diversified
|
898.90B
|
47.5
Composite
|
$357.52
|
Valuation
61.8
|
|
Credit Services
|
632.74B
|
61.2
Composite
|
$362.50
|
Valuation
74.7
|
|
Credit Services
|
462.29B
|
61.2
Composite
|
$562.95
|
Profitability
75.0
|
|
Banks - Diversified
|
420.47B
|
50.7
Composite
|
$63.17
|
Valuation
69.5
|
|
Banks - Diversified
|
328.47B
|
47.7
Composite
|
$24.99
|
Growth
59.0
|
|
HSBC
HSBC Holdings, plc.
Banks - Diversified
|
325.87B
|
51.3
Composite
|
$103.73
|
Valuation
73.0
|
|
Banks - Diversified
|
324.83B
|
47.7
Composite
|
$23.68
|
Growth
59.0
|
|
Banks - Diversified
|
289.72B
|
55.5
Composite
|
$211.08
|
Valuation
71.9
|
|
Banks - Diversified
|
265.96B
|
45.5
Composite
|
$87.25
|
Valuation
74.4
|
|
Banks - Diversified
|
261.81B
|
49.5
Composite
|
$18.66
|
Efficiency
86.5
|
|
Banks - Diversified
|
260.75B
|
49.5
Composite
|
$18.68
|
Efficiency
86.5
|
|
Banks - Diversified
|
253.32B
|
49.4
Composite
|
$24.64
|
Efficiency
86.5
|
|
Banks - Diversified
|
250.32B
|
49.4
Composite
|
$24.08
|
Efficiency
86.5
|
|
Banks - Diversified
|
250.17B
|
46.4
Composite
|
$22.49
|
Growth
71.6
|
|
Banks - Diversified
|
241.87B
|
49.4
Composite
|
$18.93
|
Efficiency
86.5
|
|
Banks - Diversified
|
238.05B
|
35.7
Composite
|
$135.00
|
Valuation
55.4
|
|
Credit Services
|
236.58B
|
45.3
Composite
|
$340.91
|
Valuation
68.2
|
|
Banks - Diversified
|
230.73B
|
49.3
Composite
|
$18.30
|
Efficiency
86.5
|
|
Banks - Diversified
|
227.25B
|
49.3
Composite
|
$19.51
|
Efficiency
86.5
|
|
Banks - Diversified
|
208.96B
|
43.2
Composite
|
$14.70
|
Valuation
59.3
|
|
Banks - Diversified
|
197.84B
|
48.5
Composite
|
$121.31
|
Valuation
65.5
|
|
Banks - Diversified
|
192.54B
|
45.7
Composite
|
$22.12
|
Valuation
78.2
|
|
Banks - Diversified
|
179.42B
|
45.4
Composite
|
$1,172.64
|
Valuation
76.8
|
|
Banks - Diversified
|
162.54B
|
48.8
Composite
|
$25.74
|
Growth
78.5
|
|
Banks - Diversified
|
157.80B
|
46.7
Composite
|
$53.76
|
Valuation
74.9
|
|
Banks - Diversified
|
143.51B
|
54.1
Composite
|
$28.35
|
Valuation
73.5
|
|
Banks - Regional
|
133.27B
|
44.1
Composite
|
$23.63
|
Growth
76.7
|
|
Banks - Regional
|
127.36B
|
42.6
Composite
|
$10.71
|
Growth
71.7
|
|
BMO
Bank Of Montreal
Banks - Diversified
|
123.74B
|
50.4
Composite
|
$181.55
|
Valuation
71.2
|
|
Credit Services
|
123.27B
|
48.5
Composite
|
$217.76
|
Growth
67.5
|
|
Banks - Diversified
|
118.17B
|
44.9
Composite
|
$16.81
|
Valuation
73.6
|
|
Banks - Diversified
|
105.60B
|
53.3
Composite
|
$88.85
|
Efficiency
70.5
|
|
Banks - Diversified
|
103.99B
|
55.9
Composite
|
$118.70
|
Efficiency
70.4
|
|
Banks - Regional
|
103.70B
|
49.1
Composite
|
$30.22
|
Growth
62.9
|
|
Banks - Regional
|
100.76B
|
51.8
Composite
|
$252.56
|
Valuation
72.7
|
|
Banks - Diversified
|
100.23B
|
41.9
Composite
|
$157.13
|
Growth
56.8
|
|
USB
U.S. Bancorp
Banks - Regional
|
96.42B
|
45.3
Composite
|
$63.94
|
Valuation
70.8
|
|
BCS
Barclays PLC
Banks - Diversified
|
94.43B
|
44.9
Composite
|
$27.93
|
Efficiency
62.6
|
|
ING
ING Group, N.V.
Banks - Diversified
|
92.95B
|
41.9
Composite
|
$35.68
|
Valuation
66.2
|
|
Banks - Regional
|
90.75B
|
52.2
Composite
|
$7.94
|
Efficiency
67.0
|
|
Banks - Regional
|
86.70B
|
44.0
Composite
|
$6.28
|
Valuation
63.2
|
|
Banks - Regional
|
75.54B
|
45.8
Composite
|
$18.64
|
Valuation
70.4
|
|
Banks - Regional
|
70.74B
|
50.7
Composite
|
$19.19
|
Valuation
63.9
|
|
Banks - Regional
|
69.37B
|
45.8
Composite
|
$21.42
|
Valuation
70.3
|
|
Banks - Regional
|
66.46B
|
48.5
Composite
|
$13.84
|
Growth
66.3
|
|
Banks - Regional
|
66.40B
|
49.0
Composite
|
$38.06
|
Efficiency
71.8
|
|
Banks - Regional
|
64.00B
|
45.1
Composite
|
$52.35
|
Valuation
74.1
|
|
FITB
Fifth Third Bancorp
Banks - Regional
|
51.24B
|
37.0
Composite
|
$57.09
|
Growth
48.5
|
|
Banks - Regional
|
41.86B
|
43.0
Composite
|
$124.01
|
Profitability
49.8
|
|
Mortgage Finance
|
40.06B
|
53.6
Composite
|
$13.72
|
Growth
83.2
|
|
Credit Services
|
39.98B
|
47.4
Composite
|
$59.07
|
Valuation
65.9
|
|
BAP
Credicorp Ltd.
Banks - Regional
|
36.99B
|
56.7
Composite
|
$386.93
|
Growth
62.5
|
|
Banks - Regional
|
36.17B
|
37.5
Composite
|
$3.37
|
Efficiency
69.8
|
|
Banks - Regional
|
35.39B
|
49.0
Composite
|
$17.55
|
Valuation
71.3
|
|
Banks - Regional
|
34.85B
|
49.8
Composite
|
$250.45
|
Valuation
69.3
|
|
BBDO
Banco Bradesco Sa
Banks - Regional
|
34.72B
|
40.2
Composite
|
$3.15
|
Efficiency
69.8
|
|
Banks - Regional
|
33.71B
|
46.0
Composite
|
$75.81
|
Efficiency
65.3
|
|
FNMA
Fannie Mae
Mortgage Finance
|
33.63B
|
53.2
Composite
|
$6.05
|
Valuation
70.2
|
|
Banks - Regional
|
29.54B
|
44.2
Composite
|
$72.67
|
Valuation
70.2
|
|
Banks - Regional
|
25.45B
|
48.9
Composite
|
$31.43
|
Valuation
69.5
|
|
KEY
KeyCorp
Banks - Regional
|
24.93B
|
39.1
Composite
|
$22.73
|
Valuation
59.0
|
|
Banks - Regional
|
24.14B
|
39.0
Composite
|
$2,218.49
|
Valuation
56.2
|
|
Credit Services
|
24.07B
|
45.4
Composite
|
$78.59
|
Valuation
65.1
|
|
Credit Services
|
23.88B
|
39.1
Composite
|
$18.38
|
Growth
66.6
|
|
Banks - Regional
|
22.23B
|
34.5
Composite
|
$20.53
|
Valuation
51.1
|
|
BCH
Banco De Chile
Banks - Regional
|
20.33B
|
38.9
Composite
|
$41.42
|
Profitability
49.3
|
|
CIB
BanColombia S.A.
Banks - Regional
|
19.07B
|
32.4
Composite
|
$88.85
|
Profitability
42.3
|
|
Banks - Regional
|
18.55B
|
46.4
Composite
|
$5.81
|
Efficiency
64.2
|
|
Banks - Regional
|
17.95B
|
49.2
Composite
|
$131.70
|
Valuation
70.3
|
|
Banks - Regional
|
17.72B
|
39.6
Composite
|
$25.59
|
Growth
65.2
|
|
FMCC
Freddie Mac
Mortgage Finance
|
17.72B
|
53.3
Composite
|
$5.48
|
Efficiency
66.5
|
|
Banks - Regional
|
17.10B
|
41.4
Composite
|
$21.17
|
Valuation
55.5
|
|
Banks - Regional
|
15.71B
|
42.4
Composite
|
$35.16
|
Profitability
54.1
|
|
Banks - Regional
|
15.15B
|
34.2
Composite
|
$72.62
|
Valuation
49.6
|
|
Banks - Regional
|
15.10B
|
55.0
Composite
|
$104.68
|
Growth
84.5
|
|
Banks - Regional
|
14.92B
|
41.5
Composite
|
$25.25
|
Valuation
56.1
|
|
Banks - Regional
|
14.06B
|
41.5
Composite
|
$21.30
|
Valuation
56.4
|
|
ALLY
Ally Financial Inc.
Credit Services
|
13.83B
|
44.3
Composite
|
$43.72
|
Valuation
67.6
|
|
Banks - Regional
|
13.56B
|
51.8
Composite
|
$24.09
|
Valuation
71.2
|
|
Banks - Regional
|
12.36B
|
47.4
Composite
|
$79.03
|
Valuation
69.6
|
|
Banks - Regional
|
12.19B
|
47.1
Composite
|
$25.46
|
Valuation
70.4
|
|
Banks - Regional
|
11.33B
|
35.8
Composite
|
$88.67
|
Valuation
56.0
|
|
BPOP
Popular, Inc.
Banks - Regional
|
10.93B
|
45.3
Composite
|
$174.04
|
Valuation
63.2
|
|
Banks - Regional
|
10.92B
|
55.0
Composite
|
$145.60
|
Growth
79.5
|
|
Banks - Regional
|
10.91B
|
51.1
Composite
|
$158.75
|
Efficiency
68.8
|
|
Banks - Regional
|
10.30B
|
49.7
Composite
|
$70.32
|
Efficiency
73.1
|
|
Banks - Regional
|
10.11B
|
49.8
Composite
|
$26.56
|
Growth
73.7
|
|
Credit Services
|
9.71B
|
49.6
Composite
|
$202.54
|
Valuation
70.3
|
|
Banks - Regional
|
9.70B
|
50.5
Composite
|
$108.12
|
Valuation
66.3
|
|
Banks - Regional
|
9.65B
|
50.0
Composite
|
$164.50
|
Valuation
68.5
|
|
Banks - Regional
|
9.21B
|
53.9
Composite
|
$31.24
|
Efficiency
78.9
|
|
Banks - Regional
|
8.74B
|
35.8
Composite
|
$81.33
|
Valuation
55.0
|
|
Banks - Regional
|
8.49B
|
43.7
Composite
|
$59.08
|
Efficiency
86.3
|
|
Banks - Regional
|
8.49B
|
31.5
Composite
|
$46.18
|
Growth
46.3
|
|
Banks - Regional
|
8.23B
|
40.6
Composite
|
$143.80
|
Valuation
58.2
|
|
Banks - Regional
|
8.12B
|
46.0
Composite
|
$14.55
|
Valuation
70.5
|
|
CADE
Cadence Bank
Banks - Regional
|
7.98B
|
47.2
Composite
|
$42.11
|
Valuation
71.2
|
|
Banks - Regional
|
7.21B
|
51.6
Composite
|
$73.95
|
Valuation
69.2
|
|
Credit Services
|
6.80B
|
50.0
Composite
|
$64.95
|
Valuation
72.3
|
|
Banks - Regional
|
6.68B
|
43.5
Composite
|
$48.75
|
Growth
62.5
|
|
Banks - Regional
|
6.66B
|
45.3
Composite
|
$18.97
|
Valuation
70.1
|
|
Credit Services
|
6.56B
|
47.5
Composite
|
$585.58
|
Valuation
64.5
|
|
Banks - Regional
|
6.44B
|
43.1
Composite
|
$58.94
|
Growth
59.8
|
|
Banks - Regional
|
6.31B
|
52.2
Composite
|
$48.32
|
Valuation
64.1
|
|
Banks - Regional
|
6.16B
|
25.2
Composite
|
$13.95
|
Valuation
49.8
|
|
Banks - Regional
|
6.08B
|
37.1
Composite
|
$77.60
|
Efficiency
69.2
|
|
OZK
Bank OZK
Banks - Regional
|
6.08B
|
47.1
Composite
|
$51.41
|
Valuation
67.4
|
|
BMA
Banco Macro S.A.
Banks - Regional
|
6.07B
|
48.0
Composite
|
$83.65
|
Growth
92.6
|
|
ABCB
Ameris Bancorp
Banks - Regional
|
6.02B
|
49.8
Composite
|
$87.73
|
Efficiency
65.2
|
|
SEZL
Sezzle Inc.
Credit Services
|
5.95B
|
61.2
Composite
|
$118.02
|
Valuation
65.7
|
|
Banks - Regional
|
5.95B
|
52.2
Composite
|
$41.78
|
Growth
75.9
|
|
Credit Services
|
5.88B
|
49.6
Composite
|
$252.64
|
Efficiency
77.2
|
|
Banks - Regional
|
5.77B
|
48.4
Composite
|
$30.81
|
Valuation
70.5
|
|
Banks - Regional
|
5.75B
|
41.3
Composite
|
$5.06
|
Valuation
57.0
|
|
Banks - Regional
|
5.52B
|
38.2
Composite
|
$100.04
|
Growth
60.3
|
|
Banks - Regional
|
4.95B
|
47.5
Composite
|
$31.28
|
Valuation
67.8
|
|
Banks - Regional
|
4.93B
|
39.8
Composite
|
$17.59
|
Valuation
73.3
|
|
Banks - Regional
|
4.93B
|
51.2
Composite
|
$34.67
|
Valuation
73.0
|
|
Credit Services
|
4.87B
|
38.7
Composite
|
$75.00
|
Profitability
51.7
|
|
Banks - Regional
|
4.86B
|
39.2
Composite
|
$22.84
|
Valuation
62.4
|
|
NNI
Nelnet, Inc.
Credit Services
|
4.74B
|
38.1
Composite
|
$131.46
|
Valuation
65.2
|
|
Banks - Regional
|
4.67B
|
43.9
Composite
|
$73.55
|
Valuation
68.1
|
|
Banks - Regional
|
4.61B
|
43.7
Composite
|
$24.24
|
Valuation
66.0
|
|
Banks - Regional
|
4.59B
|
47.5
Composite
|
$88.92
|
Valuation
71.1
|
|
SLM
SLM Corporation
Credit Services
|
4.51B
|
39.5
Composite
|
$27.37
|
Profitability
50.9
|
|
Banks - Regional
|
4.48B
|
46.7
Composite
|
$99.33
|
Valuation
59.7
|
|
Mortgage Finance
|
4.25B
|
33.6
Composite
|
$77.41
|
Health
47.7
|
|
Banks - Regional
|
4.22B
|
44.7
Composite
|
$35.51
|
Valuation
69.6
|
|
Credit Services
|
4.14B
|
45.9
Composite
|
$108.32
|
Efficiency
62.7
|
|
Banks - Regional
|
4.12B
|
44.7
Composite
|
$63.41
|
Valuation
64.2
|
|
Banks - Regional
|
4.08B
|
47.3
Composite
|
$28.67
|
Valuation
69.1
|
|
Banks - Regional
|
4.02B
|
51.2
Composite
|
$83.73
|
Growth
71.9
|
|
Banks - Regional
|
4.02B
|
44.6
Composite
|
$81.27
|
Valuation
58.5
|
|
Banks - Regional
|
3.96B
|
39.2
Composite
|
$17.11
|
Growth
57.9
|
|
Banks - Regional
|
3.94B
|
50.3
Composite
|
$22.66
|
Valuation
71.7
|
|
Banks - Regional
|
3.83B
|
45.0
Composite
|
$113.01
|
Valuation
60.9
|
|
RNST
Renasant Corporation
Banks - Regional
|
3.83B
|
48.4
Composite
|
$42.73
|
Growth
72.5
|
|
Banks - Regional
|
3.78B
|
41.5
Composite
|
$37.53
|
Valuation
62.5
|
|
WSBC
WesBanco, Inc.
Banks - Regional
|
3.74B
|
51.5
Composite
|
$41.69
|
Valuation
68.9
|
|
Banks - Regional
|
3.65B
|
49.8
Composite
|
$27.49
|
Efficiency
83.7
|
|
Banks - Regional
|
3.57B
|
51.3
Composite
|
$33.66
|
Efficiency
75.9
|
|
BKU
BankUnited, Inc.
Banks - Regional
|
3.51B
|
36.4
Composite
|
$46.46
|
Valuation
73.5
|
|
Banks - Regional
|
3.48B
|
45.7
Composite
|
$64.85
|
Valuation
68.5
|
|
Banks - Regional
|
3.47B
|
42.6
Composite
|
$172.54
|
Valuation
64.9
|
|
Banks - Regional
|
3.31B
|
48.3
Composite
|
$203.40
|
Valuation
72.3
|
|
Banks - Regional
|
3.30B
|
44.9
Composite
|
$24.73
|
Valuation
66.4
|
|
Mortgage Finance
|
3.25B
|
47.0
Composite
|
$1.28
|
Growth
62.2
|
|
TOWN
Towne Bank
Banks - Regional
|
3.25B
|
42.1
Composite
|
$37.46
|
Valuation
63.3
|
|
Banks - Regional
|
3.24B
|
43.4
Composite
|
$79.28
|
Valuation
66.7
|
|
Banks - Regional
|
3.23B
|
39.4
Composite
|
$23.46
|
Valuation
60.8
|
|
Credit Services
|
3.18B
|
32.1
Composite
|
$31.09
|
Growth
48.6
|
|
Banks - Regional
|
3.16B
|
43.5
Composite
|
$34.55
|
Valuation
71.0
|
|
Banks - Regional
|
3.10B
|
40.0
Composite
|
$18.73
|
Valuation
72.4
|
|
Banks - Regional
|
3.10B
|
46.0
Composite
|
$25.03
|
Valuation
68.5
|
|
Banks - Regional
|
2.90B
|
45.6
Composite
|
$60.84
|
Valuation
69.6
|
|
WAFD
WaFd, Inc.
Banks - Regional
|
2.79B
|
42.9
Composite
|
$37.16
|
Valuation
70.6
|
|
TBBK
The Bancorp, Inc.
Banks - Regional
|
2.77B
|
45.8
Composite
|
$69.64
|
Valuation
62.2
|
|
Banks - Regional
|
2.69B
|
41.7
Composite
|
$47.42
|
Valuation
65.4
|
|
Banks - Regional
|
2.68B
|
44.1
Composite
|
$42.59
|
Efficiency
71.2
|
|
FBNC
First Bancorp
Banks - Regional
|
2.62B
|
46.9
Composite
|
$64.67
|
Efficiency
68.9
|
|
Banks - Regional
|
2.56B
|
41.5
Composite
|
$82.07
|
Growth
70.8
|
|
NBTB
NBT Bancorp Inc.
Banks - Regional
|
2.55B
|
46.4
Composite
|
$52.66
|
Valuation
70.5
|
|
INTR
Inter & Co. Inc.
Banks - Regional
|
2.52B
|
47.9
Composite
|
$5.27
|
Growth
67.0
|
|
Credit Services
|
2.44B
|
38.5
Composite
|
$7.08
|
Valuation
59.2
|
|
Banks - Regional
|
2.44B
|
47.8
Composite
|
$30.98
|
Valuation
71.3
|
|
Banks - Diversified
|
2.37B
|
50.9
Composite
|
$62.32
|
Valuation
63.4
|
|
Banks - Regional
|
2.35B
|
46.6
Composite
|
$65.91
|
Valuation
66.8
|
|
BANR
Banner Corporation
Banks - Regional
|
2.27B
|
50.4
Composite
|
$70.67
|
Efficiency
78.6
|
|
Banks - Regional
|
2.22B
|
43.3
Composite
|
$83.58
|
Valuation
71.6
|
|
Banks - Regional
|
2.20B
|
38.9
Composite
|
$10.84
|
Valuation
71.0
|
|
Banks - Regional
|
2.20B
|
32.7
Composite
|
$39.04
|
Valuation
52.2
|
|
MBIN
Merchants Bancorp
Banks - Regional
|
2.19B
|
38.4
Composite
|
$54.25
|
Valuation
51.2
|
|
Banks - Regional
|
2.19B
|
43.1
Composite
|
$15.55
|
Valuation
72.2
|
|
Credit Services
|
2.17B
|
51.7
Composite
|
$235.54
|
Valuation
70.2
|
|
Banks - Regional
|
2.17B
|
37.4
Composite
|
$19.71
|
Growth
49.0
|
|
Banks - Regional
|
2.16B
|
52.8
Composite
|
$56.99
|
Valuation
64.0
|
|
OFG
OFG Bancorp
Banks - Regional
|
2.10B
|
45.0
Composite
|
$52.30
|
Valuation
63.8
|
|
EZPW
EZCORP, Inc.
Credit Services
|
2.10B
|
46.0
Composite
|
$27.90
|
Growth
62.8
|
|
FCF
First
Banks - Regional
|
2.06B
|
46.9
Composite
|
$21.51
|
Valuation
68.9
|
|
Banks - Regional
|
2.02B
|
40.9
Composite
|
$39.69
|
Valuation
66.3
|
|
Banks - Regional
|
1.97B
|
37.6
Composite
|
$42.62
|
Valuation
51.3
|
|
Mortgage Finance
|
1.97B
|
56.4
Composite
|
$100.20
|
Valuation
72.9
|
|
Banks - Regional
|
1.94B
|
48.1
Composite
|
$88.01
|
Valuation
66.1
|
|
Banks - Regional
|
1.91B
|
43.5
Composite
|
$42.60
|
Efficiency
72.8
|
|
Banks - Regional
|
1.89B
|
53.7
Composite
|
$86.85
|
Efficiency
80.9
|
|
CHCO
City Holding Company
Banks - Regional
|
1.87B
|
53.6
Composite
|
$144.94
|
Valuation
73.1
|
|
Banks - Regional
|
1.85B
|
32.3
Composite
|
$76.01
|
Valuation
57.7
|
|
QFIN
Qifu Technology, Inc
Credit Services
|
1.81B
|
56.1
Composite
|
$13.24
|
Efficiency
69.8
|
|
Credit Services
|
1.80B
|
49.1
Composite
|
$166.03
|
Valuation
64.2
|
|
Banks - Regional
|
1.77B
|
32.6
Composite
|
$39.68
|
Valuation
49.0
|
|
STBA
S&T Bancorp, Inc.
Banks - Regional
|
1.76B
|
48.8
Composite
|
$50.87
|
Valuation
66.7
|
|
Banks - Regional
|
1.76B
|
51.2
Composite
|
$50.50
|
Valuation
71.4
|
|
Banks - Regional
|
1.75B
|
42.2
Composite
|
$40.32
|
Valuation
60.2
|
|
RBCAA
Republic Bancorp, Inc.
Banks - Regional
|
1.72B
|
45.2
Composite
|
$99.19
|
Valuation
64.8
|
|
HOPE
Hope Bancorp, Inc.
Banks - Regional
|
1.71B
|
38.7
Composite
|
$13.99
|
Valuation
62.2
|
|
Mortgage Finance
|
1.69B
|
41.1
Composite
|
$44.43
|
Growth
49.9
|
|
Banks - Regional
|
1.69B
|
44.8
Composite
|
$38.83
|
Valuation
60.8
|
|
TCBK
TriCo Bancshares
Banks - Regional
|
1.67B
|
46.7
Composite
|
$57.27
|
Valuation
69.9
|
|
Banks - Regional
|
1.62B
|
42.7
Composite
|
$153.42
|
Growth
63.8
|
|
Banks - Regional
|
1.61B
|
45.0
Composite
|
$32.82
|
Valuation
69.4
|
|
Banks - Regional
|
1.59B
|
39.1
Composite
|
$53.84
|
Efficiency
62.8
|
|
QCRH
QCR Holdings, Inc.
Banks - Regional
|
1.56B
|
36.4
Composite
|
$103.87
|
Valuation
53.0
|
|
Banks - Regional
|
1.50B
|
47.3
Composite
|
$61.73
|
Valuation
71.0
|
|
Credit Services
|
1.49B
|
50.9
Composite
|
$100.01
|
Efficiency
78.2
|
|
Banks - Regional
|
1.41B
|
45.1
Composite
|
$73.42
|
Valuation
70.9
|
|
Banks - Regional
|
1.38B
|
43.7
Composite
|
$49.80
|
Valuation
62.7
|
|
Banks - Regional
|
1.37B
|
50.9
Composite
|
$59.13
|
Valuation
66.7
|
|
PEBO
Peoples Bancorp Inc.
Banks - Regional
|
1.34B
|
43.6
Composite
|
$40.93
|
Valuation
67.9
|
|
Banks - Regional
|
1.32B
|
49.5
Composite
|
$98.73
|
Efficiency
81.1
|
|
Banks - Regional
|
1.30B
|
50.3
Composite
|
$77.76
|
Valuation
65.4
|
|
Banks - Regional
|
1.27B
|
43.9
Composite
|
$51.17
|
Valuation
63.4
|
|
Banks - Regional
|
1.22B
|
40.4
Composite
|
$42.84
|
Valuation
61.7
|
|
Banks - Regional
|
1.21B
|
43.0
Composite
|
$92.86
|
Growth
74.4
|
|
Banks - Regional
|
1.20B
|
45.1
Composite
|
$29.50
|
Valuation
69.3
|
|
Banks - Regional
|
1.20B
|
41.8
Composite
|
$45.34
|
Efficiency
84.7
|
|
Credit Services
|
1.18B
|
31.4
Composite
|
$1.50
|
Efficiency
86.7
|
|
Banks - Regional
|
1.18B
|
47.5
Composite
|
$25.44
|
Valuation
64.1
|
|
Banks - Regional
|
1.16B
|
46.9
Composite
|
$36.35
|
Efficiency
74.2
|
|
NBN
Northeast Bank
Banks - Regional
|
1.16B
|
42.2
Composite
|
$133.44
|
Growth
74.8
|
|
FINV
FinVolution Group
Credit Services
|
1.12B
|
47.0
Composite
|
$4.86
|
Health
51.7
|
|
Banks - Regional
|
1.07B
|
41.2
Composite
|
$19.42
|
Valuation
70.4
|
|
Banks - Regional
|
1.04B
|
45.4
Composite
|
$8.88
|
Valuation
67.6
|
|
FSBC
Five Star Bancorp
Banks - Regional
|
1.03B
|
47.2
Composite
|
$46.08
|
Valuation
65.8
|
|
Banks - Regional
|
1.02B
|
51.8
Composite
|
$35.74
|
Valuation
73.9
|
|
Banks - Regional
|
1.02B
|
54.2
Composite
|
$131.38
|
Valuation
67.4
|
|
Banks - Regional
|
1.01B
|
43.5
Composite
|
$32.44
|
Valuation
69.5
|
|
Banks - Regional
|
1.00B
|
40.1
Composite
|
$20.42
|
Valuation
64.5
|
|
Banks - Regional
|
995.76M
|
40.2
Composite
|
$38.90
|
Valuation
63.4
|
|
Banks - Regional
|
988.69M
|
39.7
Composite
|
$50.94
|
Valuation
58.8
|
|
Banks - Regional
|
982.95M
|
46.9
Composite
|
$31.66
|
Valuation
69.4
|
|
AMTB
Amerant Bancorp Inc.
Banks - Regional
|
982.42M
|
33.1
Composite
|
$28.91
|
Valuation
69.0
|
|
Banks - Regional
|
981.00M
|
46.0
Composite
|
$34.61
|
Growth
72.6
|
|
Banks - Regional
|
977.73M
|
46.4
Composite
|
$60.70
|
Valuation
65.7
|
|
TRST
TrustCo Bank Corp NY
Banks - Regional
|
951.70M
|
40.6
Composite
|
$55.09
|
Valuation
68.6
|
|
Banks - Regional
|
950.70M
|
45.6
Composite
|
$31.91
|
Valuation
70.0
|
|
Credit Services
|
944.00M
|
41.0
Composite
|
$187.13
|
Efficiency
86.0
|
|
Banks - Regional
|
904.43M
|
47.5
Composite
|
$57.79
|
Valuation
71.5
|
|
Banks - Regional
|
897.24M
|
46.4
Composite
|
$81.49
|
Valuation
69.8
|
|
MPB
Mid Penn Bancorp
Banks - Regional
|
868.32M
|
38.4
Composite
|
$37.60
|
Valuation
62.3
|
|
NBBK
NB Bancorp, Inc.
Banks - Regional
|
846.65M
|
42.1
Composite
|
$22.58
|
Growth
66.8
|
|
Banks - Regional
|
845.00M
|
46.3
Composite
|
$15.69
|
Valuation
71.5
|
|
Banks - Regional
|
843.44M
|
42.9
Composite
|
$52.01
|
Valuation
66.4
|
|
Banks - Regional
|
840.74M
|
43.3
Composite
|
$80.65
|
Valuation
69.3
|
|
Banks - Regional
|
836.90M
|
28.1
Composite
|
$8.60
|
Efficiency
44.1
|
|
Banks - Regional
|
828.40M
|
47.2
Composite
|
$13.45
|
Valuation
58.4
|
|
Banks - Regional
|
828.20M
|
43.2
Composite
|
$48.21
|
Valuation
51.9
|
|
Banks - Regional
|
823.42M
|
45.9
Composite
|
$77.15
|
Valuation
61.0
|
|
Banks - Regional
|
820.50M
|
39.1
Composite
|
$45.80
|
Efficiency
64.8
|
|
EGBN
Eagle Bancorp, Inc.
Banks - Regional
|
818.20M
|
31.4
Composite
|
$27.71
|
Valuation
53.1
|
|
Banks - Regional
|
806.80M
|
40.7
Composite
|
$44.65
|
Valuation
54.4
|
|
SMBK
SmartFinancial, Inc.
Banks - Regional
|
789.30M
|
38.2
Composite
|
$51.93
|
Valuation
56.2
|
|
Banks - Regional
|
784.34M
|
49.5
Composite
|
$42.62
|
Valuation
68.4
|
|
OPFI
OppFi Inc.
Credit Services
|
776.22M
|
63.4
Composite
|
$9.40
|
Valuation
75.9
|
|
Banks - Regional
|
775.72M
|
45.4
Composite
|
$33.23
|
Valuation
67.9
|
|
Banks - Regional
|
762.26M
|
44.9
Composite
|
$41.65
|
Valuation
67.3
|
|
NAVI
Navient Corporation
Credit Services
|
754.74M
|
30.8
Composite
|
$9.08
|
Valuation
37.5
|
|
Credit Services
|
754.45M
|
34.3
Composite
|
$13.15
|
Growth
54.7
|
|
Banks - Regional
|
750.42M
|
43.3
Composite
|
$23.84
|
Efficiency
63.8
|
|
Banks - Regional
|
747.10M
|
0.0
Composite
|
$36.55
|
No pillar score
-
|
|
Banks - Regional
|
731.27M
|
43.9
Composite
|
$25.20
|
Valuation
66.7
|
|
Banks - Regional
|
723.89M
|
39.0
Composite
|
$38.03
|
Valuation
57.3
|
|
Banks - Regional
|
719.10M
|
52.2
Composite
|
$33.00
|
Efficiency
81.3
|
|
VBNK
VersaBank
Banks - Regional
|
704.72M
|
31.6
Composite
|
$19.09
|
Growth
45.3
|
|
PRAA
PRA Group, Inc.
Credit Services
|
696.80M
|
41.3
Composite
|
$19.79
|
Valuation
69.9
|
|
Mortgage Finance
|
690.89M
|
51.4
Composite
|
$18.46
|
Valuation
68.5
|
|
Banks - Regional
|
678.93M
|
38.1
Composite
|
$38.85
|
Valuation
66.2
|
|
Banks - Regional
|
670.25M
|
43.6
Composite
|
$39.40
|
Valuation
66.0
|
|
Banks - Regional
|
659.53M
|
36.7
Composite
|
$44.31
|
Growth
56.1
|
|
BCAL
California BanCorp
Banks - Regional
|
658.74M
|
41.0
Composite
|
$21.25
|
Valuation
63.8
|
|
Banks - Regional
|
636.56M
|
39.4
Composite
|
$301.57
|
Efficiency
66.9
|
|
Banks - Regional
|
631.54M
|
48.1
Composite
|
$100.11
|
Valuation
61.9
|
|
Banks - Regional
|
627.31M
|
48.0
Composite
|
$17.11
|
Efficiency
69.7
|
|
Banks - Regional
|
624.80M
|
38.1
Composite
|
$33.49
|
Valuation
64.9
|
|
Banks - Regional
|
620.80M
|
41.8
Composite
|
$39.74
|
Valuation
70.2
|
|
Banks - Regional
|
614.76M
|
43.0
Composite
|
$15.31
|
Valuation
70.2
|
|
NRIM
Northrim BanCorp Inc
Banks - Regional
|
603.50M
|
47.6
Composite
|
$26.37
|
Efficiency
64.6
|
|
ACNB
ACNB Corporation
Banks - Regional
|
602.61M
|
51.4
Composite
|
$64.38
|
Valuation
70.2
|
|
Banks - Regional
|
594.80M
|
42.5
Composite
|
$21.64
|
Valuation
58.6
|
|
KRNY
Kearny Financial
Banks - Regional
|
589.80M
|
40.3
Composite
|
$9.52
|
Valuation
69.1
|
|
Banks - Regional
|
575.63M
|
44.6
Composite
|
$63.33
|
Valuation
73.1
|
|
Banks - Regional
|
571.50M
|
44.6
Composite
|
$28.33
|
Valuation
64.8
|
|
Banks - Regional
|
568.78M
|
41.1
Composite
|
$37.78
|
Efficiency
65.2
|
|
UNTY
Unity Bancorp, Inc.
Banks - Regional
|
565.50M
|
47.4
Composite
|
$59.66
|
Valuation
61.9
|
|
Banks - Regional
|
545.67M
|
48.5
Composite
|
$34.57
|
Valuation
66.8
|
|
HBCP
Home Bancorp, Inc.
Banks - Regional
|
533.61M
|
43.4
Composite
|
$71.88
|
Valuation
64.2
|
|
BSRR
Sierra Bancorp
Banks - Regional
|
533.00M
|
45.4
Composite
|
$40.50
|
Valuation
71.2
|
|
Banks - Regional
|
527.30M
|
38.5
Composite
|
$71.12
|
Valuation
69.7
|
|
Banks - Regional
|
524.20M
|
27.3
Composite
|
$15.49
|
Valuation
42.1
|
|
Banks - Regional
|
493.00M
|
45.2
Composite
|
$38.61
|
Valuation
58.8
|
|
Banks - Regional
|
490.60M
|
40.7
Composite
|
$34.08
|
Growth
63.5
|
|
Banks - Regional
|
481.80M
|
18.9
Composite
|
$5.90
|
Health
31.1
|
|
Banks - Regional
|
481.10M
|
45.7
Composite
|
$20.07
|
Efficiency
65.7
|
|
BSVN
Bank7 Corp.
Banks - Regional
|
479.77M
|
50.0
Composite
|
$50.57
|
Profitability
57.3
|
|
Mortgage Finance
|
455.71M
|
29.4
Composite
|
$15.46
|
Growth
53.4
|
|
Banks - Regional
|
455.21M
|
45.1
Composite
|
$28.37
|
Valuation
68.2
|
|
Banks - Regional
|
449.50M
|
44.6
Composite
|
$66.90
|
Valuation
60.2
|
|
WTBA
West Bancorporation
Banks - Regional
|
446.50M
|
46.5
Composite
|
$28.43
|
Valuation
70.2
|
|
RBB
RBB Bancorp
Banks - Regional
|
443.89M
|
46.3
Composite
|
$26.80
|
Valuation
71.1
|
|
FRBA
First Bank
Banks - Regional
|
430.61M
|
39.5
Composite
|
$18.63
|
Valuation
65.3
|
|
Banks - Regional
|
423.62M
|
46.9
Composite
|
$22.01
|
Efficiency
88.5
|
|
Banks - Regional
|
412.58M
|
34.4
Composite
|
$17.32
|
Valuation
49.1
|
|
Banks - Regional
|
412.20M
|
43.2
Composite
|
$34.92
|
Valuation
71.2
|
|
Banks - Regional
|
408.32M
|
36.8
Composite
|
$25.36
|
Efficiency
64.1
|
|
PCB
PCB Bancorp
Banks - Regional
|
407.50M
|
46.1
Composite
|
$27.87
|
Valuation
65.1
|
|
NEWT
NewtekOne, Inc.
Banks - Regional
|
406.21M
|
38.0
Composite
|
$13.53
|
Valuation
52.9
|
|
PLBC
Plumas Bancorp
Banks - Regional
|
403.11M
|
48.7
Composite
|
$61.65
|
Growth
70.6
|
|
Banks - Regional
|
399.60M
|
44.7
Composite
|
$30.06
|
Growth
68.1
|
|
Banks - Regional
|
390.10M
|
33.5
Composite
|
$16.25
|
Valuation
55.5
|
|
PKBK
Parke Bancorp, Inc.
Banks - Regional
|
378.21M
|
46.6
Composite
|
$34.40
|
Valuation
60.8
|
|
Banks - Regional
|
378.19M
|
49.6
Composite
|
$35.38
|
Efficiency
74.4
|
|
Credit Services
|
372.60M
|
43.3
Composite
|
$32.79
|
Efficiency
69.9
|
|
LDI
loanDepot, Inc.
Mortgage Finance
|
371.60M
|
29.7
Composite
|
$0.95
|
Efficiency
45.0
|
|
Credit Services
|
370.00M
|
33.7
Composite
|
$3.14
|
Efficiency
58.5
|
|
MVBF
MVB Financial Corp.
Banks - Regional
|
365.71M
|
35.5
Composite
|
$29.97
|
Valuation
52.2
|
|
Banks - Regional
|
360.89M
|
46.9
Composite
|
$22.34
|
Efficiency
68.7
|
|
Banks - Regional
|
360.38M
|
43.1
Composite
|
$81.24
|
Valuation
63.9
|
|
Banks - Regional
|
359.20M
|
42.6
Composite
|
$26.68
|
Valuation
64.9
|
|
BCML
BayCom Corp
Banks - Regional
|
357.90M
|
42.5
Composite
|
$30.52
|
Valuation
70.1
|
|
Banks - Regional
|
352.90M
|
38.9
Composite
|
$20.84
|
Valuation
57.1
|
|
Banks - Regional
|
343.31M
|
48.8
Composite
|
$80.40
|
Efficiency
65.9
|
|
Banks - Regional
|
341.20M
|
39.8
Composite
|
$33.83
|
Valuation
57.1
|
|
Banks - Regional
|
339.10M
|
44.1
Composite
|
$45.22
|
Valuation
63.5
|
|
LNKB
LINKBANCORP, Inc.
Banks - Regional
|
325.59M
|
41.0
Composite
|
$8.69
|
Valuation
58.5
|
|
ONIT
Onity Group Inc.
Mortgage Finance
|
322.60M
|
36.1
Composite
|
$39.39
|
Valuation
52.4
|
|
Banks - Regional
|
320.08M
|
39.6
Composite
|
$31.34
|
Efficiency
81.9
|
|
FVCB
FVCBankcorp, Inc.
Banks - Regional
|
311.70M
|
43.3
Composite
|
$18.52
|
Valuation
61.4
|
|
Banks - Regional
|
307.50M
|
37.7
Composite
|
$3.70
|
Efficiency
88.0
|
|
Banks - Regional
|
304.70M
|
41.2
Composite
|
$34.21
|
Growth
59.6
|
|
Banks - Regional
|
303.80M
|
43.9
Composite
|
$23.32
|
Valuation
59.4
|
|
Banks - Regional
|
295.20M
|
43.1
Composite
|
$54.52
|
Valuation
64.2
|
|
Credit Services
|
288.38M
|
44.6
Composite
|
$1.46
|
Growth
51.2
|
|
FUNC
First
Banks - Regional
|
283.00M
|
42.5
Composite
|
$44.74
|
Efficiency
63.3
|
|
Banks - Regional
|
281.60M
|
45.1
Composite
|
$33.45
|
Valuation
67.9
|
|
Banks - Regional
|
280.50M
|
35.6
Composite
|
$13.72
|
Valuation
65.1
|
|
Banks - Regional
|
275.33M
|
47.7
Composite
|
$62.32
|
Efficiency
87.3
|
|
Banks - Regional
|
275.14M
|
48.8
Composite
|
$46.66
|
Growth
62.5
|
|
Banks - Regional
|
272.30M
|
41.8
Composite
|
$33.67
|
Valuation
65.3
|
|
BLFY
Blue Foundry Bancorp
Banks - Regional
|
265.12M
|
25.9
Composite
|
$13.24
|
Growth
48.9
|
|
Banks - Regional
|
265.00M
|
42.3
Composite
|
$31.78
|
Valuation
68.0
|
|
Banks - Regional
|
263.90M
|
39.8
Composite
|
$40.31
|
Valuation
66.7
|
|
Mortgage Finance
|
260.60M
|
47.3
Composite
|
$9.64
|
Efficiency
67.6
|
|
Banks - Regional
|
259.71M
|
41.1
Composite
|
$42.12
|
Valuation
69.9
|
|
Credit Services
|
258.70M
|
44.0
Composite
|
$8.09
|
Efficiency
79.5
|
|
Banks - Regional
|
258.01M
|
31.4
Composite
|
$87.94
|
Valuation
50.9
|
|
Banks - Regional
|
257.20M
|
47.3
Composite
|
$31.25
|
Valuation
69.2
|
|
LCNB
LCNB Corporation
Banks - Regional
|
250.70M
|
40.3
Composite
|
$19.87
|
Valuation
65.3
|
|
Banks - Regional
|
242.12M
|
46.4
Composite
|
$47.91
|
Valuation
68.9
|
|
Banks - Regional
|
236.32M
|
40.1
Composite
|
$15.82
|
Valuation
71.0
|
|
Credit Services
|
234.40M
|
43.3
Composite
|
$10.90
|
Efficiency
70.1
|
|
MRBK
Meridian Corporation
Banks - Regional
|
231.86M
|
31.9
Composite
|
$19.70
|
Valuation
58.9
|
|
Banks - Regional
|
230.40M
|
43.6
Composite
|
$43.05
|
Valuation
63.6
|
|
Banks - Regional
|
228.90M
|
36.2
Composite
|
$29.21
|
Efficiency
74.8
|
|
FSBW
FS Bancorp, Inc.
Banks - Regional
|
226.86M
|
40.0
Composite
|
$43.06
|
Valuation
67.2
|
|
Banks - Regional
|
226.85M
|
47.2
Composite
|
$42.11
|
Valuation
76.9
|
|
Credit Services
|
226.38M
|
35.5
Composite
|
$22.12
|
Valuation
44.5
|
|
Credit Services
|
225.49M
|
31.2
Composite
|
$6.84
|
Efficiency
45.4
|
|
Banks - Regional
|
222.10M
|
39.7
Composite
|
$20.91
|
Valuation
69.5
|
|
FBLA
FB Bancorp, Inc.
Banks - Regional
|
222.08M
|
32.9
Composite
|
$15.62
|
Efficiency
85.2
|
|
OPBK
OP Bancorp
Banks - Regional
|
218.50M
|
41.3
Composite
|
$15.63
|
Valuation
62.0
|
|
PMTS
CPI Card Group Inc.
Credit Services
|
214.94M
|
37.1
Composite
|
$27.72
|
Valuation
66.1
|
|
FCAP
First Capital, Inc.
Banks - Regional
|
207.00M
|
44.2
Composite
|
$64.09
|
Growth
59.5
|
|
CFBK
CF Bankshares Inc.
Banks - Regional
|
203.85M
|
38.5
Composite
|
$35.97
|
Valuation
51.6
|
|
Credit Services
|
199.20M
|
44.9
Composite
|
$9.48
|
Efficiency
87.0
|
|
Banks - Regional
|
198.57M
|
41.2
Composite
|
$43.56
|
Valuation
62.1
|
|
FINW
FinWise Bancorp
Banks - Regional
|
192.71M
|
38.0
Composite
|
$14.27
|
Efficiency
69.1
|
|
Banks - Regional
|
191.90M
|
42.2
Composite
|
$37.95
|
Valuation
72.9
|
|
XYF
X Financial
Credit Services
|
187.96M
|
45.1
Composite
|
$5.30
|
Growth
56.8
|
|
Banks - Regional
|
186.94M
|
36.4
Composite
|
$12.42
|
Valuation
69.0
|
|
BVFL
BV Financial, Inc.
Banks - Regional
|
184.40M
|
43.5
Composite
|
$21.43
|
Efficiency
80.0
|
|
Banks - Regional
|
183.72M
|
44.4
Composite
|
$31.98
|
Valuation
65.0
|
|
Banks - Regional
|
181.52M
|
35.1
Composite
|
$23.82
|
Valuation
55.5
|
|
Banks - Regional
|
177.90M
|
42.8
Composite
|
$10.51
|
Efficiency
61.6
|
|
ECBK
ECB Bancorp, Inc.
Banks - Regional
|
177.09M
|
42.4
Composite
|
$20.68
|
Growth
66.5
|
|
Banks - Regional
|
171.00M
|
41.6
Composite
|
$24.10
|
Valuation
70.6
|
|
Banks - Regional
|
169.60M
|
34.7
Composite
|
$8.91
|
Valuation
61.9
|
|
Banks - Regional
|
163.32M
|
31.2
Composite
|
$26.95
|
Valuation
58.9
|
|
Banks - Regional
|
162.02M
|
38.2
Composite
|
$26.97
|
Valuation
51.9
|
|
Banks - Regional
|
162.01M
|
35.9
Composite
|
$9.60
|
Efficiency
68.2
|
|
FNWD
Finward Bancorp
Banks - Regional
|
154.36M
|
40.9
Composite
|
$44.51
|
Efficiency
65.1
|
|
Banks - Regional
|
149.50M
|
23.1
Composite
|
$12.00
|
Valuation
43.7
|
|
SRBK
SR Bancorp, Inc.
Banks - Regional
|
145.95M
|
41.9
Composite
|
$20.00
|
Valuation
71.6
|
|
Banks - Regional
|
138.11M
|
41.6
Composite
|
$23.00
|
Efficiency
77.1
|
|
Banks - Regional
|
137.70M
|
24.6
Composite
|
$1.16
|
Growth
58.1
|
|
Banks - Regional
|
133.70M
|
44.3
Composite
|
$17.05
|
Efficiency
70.4
|
|
Mortgage Finance
|
127.24M
|
42.9
Composite
|
$5.75
|
Valuation
54.9
|
|
Banks - Regional
|
115.40M
|
43.8
Composite
|
$27.25
|
Efficiency
63.1
|
|
Banks - Regional
|
113.30M
|
42.6
Composite
|
$23.55
|
Valuation
68.5
|
|
Banks - Regional
|
112.92M
|
32.6
Composite
|
$8.95
|
Valuation
70.1
|
|
MGYR
Magyar Bancorp, Inc.
Banks - Regional
|
112.90M
|
40.9
Composite
|
$19.05
|
Valuation
68.1
|
|
Banks - Regional
|
112.44M
|
36.8
Composite
|
$46.50
|
Valuation
58.2
|
|
Credit Services
|
110.20M
|
33.0
Composite
|
$1.26
|
Efficiency
57.6
|
|
Banks - Regional
|
107.63M
|
36.7
Composite
|
$17.93
|
Valuation
71.2
|
|
Banks - Regional
|
106.90M
|
22.1
Composite
|
$5.36
|
Efficiency
56.5
|
|
Banks - Regional
|
105.20M
|
28.9
Composite
|
$10.95
|
Efficiency
53.9
|
|
Banks - Regional
|
99.54M
|
25.8
Composite
|
$16.50
|
Valuation
48.2
|
|
Banks - Regional
|
94.48M
|
36.1
Composite
|
$16.50
|
Efficiency
60.4
|
|
IROQ
IF Bancorp, Inc.
Banks - Regional
|
92.97M
|
38.1
Composite
|
$26.55
|
Valuation
70.8
|
|
Banks - Regional
|
90.62M
|
44.8
Composite
|
$26.35
|
Valuation
66.8
|
|
Banks - Regional
|
90.39M
|
35.9
Composite
|
$17.70
|
Efficiency
70.7
|
|
Banks - Regional
|
90.10M
|
34.7
Composite
|
$11.13
|
Valuation
58.3
|
|
Credit Services
|
89.90M
|
0.0
Composite
|
$28.42
|
No pillar score
-
|
|
UBCP
United Bancorp, Inc.
Banks - Regional
|
89.66M
|
32.1
Composite
|
$16.15
|
Valuation
54.0
|
|
Banks - Regional
|
89.50M
|
33.5
Composite
|
$17.86
|
Efficiency
63.0
|
|
SSBI
Summit State Bank
Banks - Regional
|
89.50M
|
30.4
Composite
|
$13.42
|
Efficiency
78.8
|
|
Mortgage Finance
|
74.80M
|
51.1
Composite
|
$20.75
|
Profitability
56.0
|
|
Banks - Regional
|
74.45M
|
42.4
Composite
|
$20.60
|
Valuation
57.1
|
|
Banks - Regional
|
73.43M
|
28.7
Composite
|
$17.11
|
Valuation
47.0
|
|
Banks - Regional
|
73.40M
|
44.0
Composite
|
$9.11
|
Growth
70.4
|
|
Banks - Regional
|
69.90M
|
35.6
Composite
|
$23.50
|
Valuation
55.3
|
|
NSTS
NSTS Bancorp, Inc.
Banks - Regional
|
67.88M
|
43.5
Composite
|
$13.80
|
Efficiency
85.7
|
|
Banks - Regional
|
67.26M
|
38.5
Composite
|
$17.34
|
Efficiency
55.8
|
|
Banks - Regional
|
64.50M
|
27.8
Composite
|
$4.92
|
Valuation
59.2
|
|
Banks - Regional
|
47.93M
|
33.7
Composite
|
$17.43
|
Valuation
54.3
|
|
Mortgage Finance
|
45.52M
|
34.0
Composite
|
$2.22
|
Efficiency
77.5
|
|
Banks - Regional
|
39.60M
|
34.7
Composite
|
$5.55
|
Valuation
56.1
|
|
Banks - Regional
|
34.51M
|
25.4
Composite
|
$15.28
|
Efficiency
73.6
|
|
Credit Services
|
29.94M
|
30.7
Composite
|
$4.15
|
Health
44.8
|
|
Mortgage Finance
|
24.79M
|
30.1
Composite
|
$1.10
|
Growth
42.4
|
|
Banks - Regional
|
23.33M
|
17.1
Composite
|
$6.34
|
Efficiency
65.7
|
|
Credit Services
|
20.96M
|
24.2
Composite
|
$1.55
|
Efficiency
38.6
|
|
Credit Services
|
14.50M
|
24.6
Composite
|
$0.96
|
Efficiency
54.5
|
|
GLBZ
Glen Burnie Bancorp
Banks - Regional
|
13.28M
|
23.6
Composite
|
$4.52
|
Efficiency
44.6
|
|
CARV
Carver Bancorp, Inc.
Banks - Regional
|
7.51M
|
20.7
Composite
|
$1.70
|
Efficiency
41.4
|
|
Credit Services
|
6.00M
|
21.5
Composite
|
$1.93
|
Health
41.2
|
|
Credit Services
|
2.20M
|
19.1
Composite
|
$1.96
|
Efficiency
37.0
|
|
Credit Services
|
1.88M
|
25.7
Composite
|
$0.48
|
Efficiency
37.0
|
|
SHFS
SHF Holdings, Inc.
Banks - Regional
|
1.49M
|
30.2
Composite
|
$0.17
|
Health
41.9
|
|
Banks - Diversified
|
-
|
46.8
Composite
|
$1,294.98
|
Efficiency
86.5
|
|
Credit Services
|
-
|
48.1
Composite
|
$24.50
|
Efficiency
77.2
|
|
Banks - Regional
|
-
|
44.1
Composite
|
$16.16
|
Valuation
98.5
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Mortgage Finance
|
-
|
31.0
Composite
|
$0.30
|
Growth
68.8
|
|
Banks - Regional
|
-
|
38.6
Composite
|
$20.02
|
Growth
64.2
|
|
Banks - Regional
|
-
|
0.0
Composite
|
$25.98
|
No pillar score
-
|
|
CFSB
CFSB Bancorp, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
41.2
Composite
|
$25.15
|
Growth
75.0
|
|
Banks - Regional
|
-
|
42.7
Composite
|
$25.33
|
Valuation
96.5
|
|
Banks - Regional
|
-
|
42.1
Composite
|
-
|
Efficiency
72.8
|
|
Banks - Regional
|
-
|
42.9
Composite
|
$18.40
|
Valuation
100.0
|
|
Credit Services
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
29.4
Composite
|
-
|
Valuation
99.3
|
|
Banks - Regional
|
-
|
43.8
Composite
|
$20.12
|
Valuation
94.2
|
|
ESSA
ESSA Bancorp, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
EVBN
Evans Bancorp, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
38.4
Composite
|
$17.95
|
Growth
63.9
|
|
Banks - Regional
|
-
|
38.4
Composite
|
$22.53
|
Growth
63.9
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
30.8
Composite
|
$20.03
|
Profitability
35.1
|
|
Banks - Regional
|
-
|
28.2
Composite
|
-
|
Valuation
81.4
|
|
Banks - Regional
|
-
|
26.5
Composite
|
$19.83
|
Efficiency
68.2
|
|
Banks - Regional
|
-
|
41.6
Composite
|
$25.15
|
Valuation
81.1
|
|
Banks - Regional
|
-
|
50.8
Composite
|
$33.98
|
Efficiency
75.6
|
|
Banks - Regional
|
-
|
41.4
Composite
|
$17.53
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Mortgage Finance
|
-
|
50.1
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
24.1
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
52.8
Composite
|
-
|
Efficiency
90.8
|
|
HMST
HomeStreet, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
46.0
Composite
|
$25.15
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
46.0
Composite
|
$20.89
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
46.0
Composite
|
$16.15
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
39.0
Composite
|
$25.25
|
Valuation
98.3
|
|
Banks - Regional
|
-
|
48.6
Composite
|
-
|
Valuation
79.3
|
|
Banks - Regional
|
-
|
35.5
Composite
|
$20.05
|
Valuation
83.0
|
|
Banks - Regional
|
-
|
35.5
Composite
|
$25.52
|
Valuation
83.0
|
|
Banks - Regional
|
-
|
30.9
Composite
|
$25.34
|
Efficiency
60.4
|
|
Banks - Regional
|
-
|
41.4
Composite
|
$49.31
|
Valuation
67.2
|
|
Mortgage Finance
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
29.8
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
47.5
Composite
|
$24.80
|
Valuation
92.8
|
|
Banks - Regional
|
-
|
47.5
Composite
|
$24.86
|
Valuation
92.8
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
PBBK
PB Bankshares, Inc.
Banks - Regional
|
-
|
40.9
Composite
|
$19.81
|
Valuation
62.6
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
49.9
Composite
|
$25.02
|
Efficiency
74.8
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
26.9
Composite
|
-
|
Efficiency
52.3
|
|
QD
Qudian Inc.
Credit Services
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
28.6
Composite
|
-
|
Growth
45.9
|
|
SHFSW
SHF Holdings, Inc.
Banks - Regional
|
-
|
38.1
Composite
|
$0.03
|
Health
41.9
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
23.8
Composite
|
-
|
Growth
49.3
|
|
Banks - Regional
|
-
|
47.2
Composite
|
$50.05
|
Valuation
71.5
|
|
Banks - Regional
|
-
|
45.7
Composite
|
-
|
Valuation
100.0
|
|
TCBC
TC Bancshares, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
33.4
Composite
|
$9.99
|
Growth
42.3
|
|
Banks - Regional
|
-
|
20.2
Composite
|
-
|
Health
34.5
|
|
Banks - Regional
|
-
|
43.0
Composite
|
$20.40
|
Growth
65.1
|
|
Banks - Regional
|
-
|
20.3
Composite
|
-
|
Growth
23.6
|
|
Banks - Regional
|
-
|
28.5
Composite
|
$22.25
|
Efficiency
62.4
|
|
Banks - Regional
|
-
|
60.4
Composite
|
-
|
Growth
92.8
|
|
Banks - Regional
|
-
|
29.1
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
37.8
Composite
|
$16.40
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
50.3
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
41.1
Composite
|
-
|
Valuation
69.0
|
|
Banks - Regional
|
-
|
41.1
Composite
|
-
|
Valuation
69.0
|
|
Banks - Regional
|
-
|
45.0
Composite
|
$18.36
|
Valuation
98.2
|
Try a broader company name, ticker, sector, or industry keyword.
This framework combines industry-specific diagnostics, moat context, and peer benchmarks so each signal stays grounded in how this business model actually compounds.
We group regional banks, diversified banks, credit services, and mortgage finance businesses into a common framework because they are driven by balance-sheet spread economics rather than traditional free cash flow. The money-flow layer focuses on net interest income, total revenue, operating expense, pre-provision profit, provisions, and distributable earnings power.
The quality lens then shifts to the metrics that matter most for financial institutions: net interest margin, efficiency ratio, ROE, ROA, leverage, liquidity, and capital buffers. On the moat side, the framework emphasizes deposit franchise quality, lending advantage, cost discipline, revenue diversification, and risk management rather than generic corporate defenses.
For valuation, StatsAlpha(TM) routes banks into a residual-income approach instead of a standard DCF. That reflects how bank value is created: excess returns on book value above the cost of equity, sustained through sound underwriting and disciplined capital allocation. This framework is for informational purposes only, not investment advice.
Each layer answers a different question: where value is created, what protects it, and how execution compares with the rest of the coverage set.
Benchmarks and narrative cues are meant to clarify what the framework is seeing in the data. They are not investment advice.
Coverage starts with the companies that actually operate inside this business model, so peer comparisons stay relevant instead of generic.
The Financial Services layer isolates the cash-flow mechanics, capital demands, and operating risk that matter most for this industry.
We then layer in Bank Specialized, pillar ranges, and peer leaders to show what strong execution looks like relative to the broader cohort.