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
|
45.7
Composite
|
$349.67
|
Growth
58.7
|
|
Credit Services
|
632.74B
|
58.5
Composite
|
$368.29
|
Profitability
74.1
|
|
Credit Services
|
462.29B
|
59.4
Composite
|
$565.24
|
Profitability
75.0
|
|
Banks - Diversified
|
420.47B
|
50.4
Composite
|
$57.96
|
Efficiency
71.6
|
|
Banks - Diversified
|
328.47B
|
45.4
Composite
|
$23.91
|
Growth
60.3
|
|
HSBC
HSBC Holdings, plc.
Banks - Diversified
|
325.87B
|
49.6
Composite
|
$101.83
|
Valuation
68.3
|
|
Banks - Diversified
|
324.83B
|
43.7
Composite
|
$22.76
|
Growth
60.3
|
|
Banks - Diversified
|
289.72B
|
52.1
Composite
|
$203.30
|
Valuation
67.9
|
|
Banks - Diversified
|
265.96B
|
43.8
Composite
|
$86.12
|
Valuation
66.8
|
|
Banks - Diversified
|
261.81B
|
48.0
Composite
|
$18.43
|
Efficiency
80.8
|
|
Banks - Diversified
|
260.75B
|
48.1
Composite
|
$18.44
|
Efficiency
80.8
|
|
Banks - Diversified
|
253.32B
|
48.1
Composite
|
$23.15
|
Efficiency
80.8
|
|
Banks - Diversified
|
250.32B
|
47.9
Composite
|
$22.81
|
Efficiency
80.8
|
|
Banks - Diversified
|
250.17B
|
44.8
Composite
|
$23.13
|
Growth
65.6
|
|
Banks - Diversified
|
241.87B
|
48.3
Composite
|
$19.58
|
Efficiency
80.8
|
|
Banks - Diversified
|
238.05B
|
34.9
Composite
|
$135.05
|
Growth
53.7
|
|
Credit Services
|
236.58B
|
44.5
Composite
|
$313.59
|
Valuation
64.5
|
|
Banks - Diversified
|
230.73B
|
48.3
Composite
|
$18.65
|
Efficiency
80.8
|
|
Banks - Diversified
|
227.25B
|
48.3
Composite
|
$19.54
|
Efficiency
80.8
|
|
Banks - Diversified
|
208.96B
|
42.4
Composite
|
$14.31
|
Valuation
56.0
|
|
Banks - Diversified
|
197.84B
|
46.1
Composite
|
$122.33
|
Valuation
61.9
|
|
Banks - Diversified
|
192.54B
|
43.5
Composite
|
$20.68
|
Valuation
65.2
|
|
Banks - Diversified
|
179.42B
|
43.3
Composite
|
$1,114.05
|
Valuation
64.0
|
|
Banks - Diversified
|
162.54B
|
46.7
Composite
|
$26.24
|
Growth
71.9
|
|
Banks - Diversified
|
157.80B
|
44.5
Composite
|
$50.69
|
Valuation
70.0
|
|
Banks - Diversified
|
143.51B
|
50.5
Composite
|
$28.91
|
Valuation
67.3
|
|
Banks - Regional
|
133.27B
|
44.6
Composite
|
$23.16
|
Growth
70.2
|
|
Banks - Regional
|
127.36B
|
41.1
Composite
|
$10.94
|
Growth
66.3
|
|
BMO
Bank Of Montreal
Banks - Diversified
|
123.74B
|
48.5
Composite
|
$177.19
|
Valuation
67.3
|
|
Credit Services
|
123.27B
|
46.5
Composite
|
$204.92
|
Growth
64.4
|
|
Banks - Diversified
|
118.17B
|
42.8
Composite
|
$16.05
|
Valuation
61.6
|
|
Banks - Diversified
|
105.60B
|
51.0
Composite
|
$95.35
|
Valuation
66.4
|
|
Banks - Diversified
|
103.99B
|
51.4
Composite
|
$116.26
|
Efficiency
66.7
|
|
Banks - Regional
|
103.70B
|
46.8
Composite
|
$28.15
|
Profitability
60.4
|
|
Banks - Regional
|
100.76B
|
49.1
Composite
|
$233.17
|
Valuation
65.5
|
|
Banks - Diversified
|
100.23B
|
40.7
Composite
|
$157.13
|
Growth
52.4
|
|
USB
U.S. Bancorp
Banks - Regional
|
96.42B
|
43.3
Composite
|
$60.06
|
Valuation
64.6
|
|
BCS
Barclays PLC
Banks - Diversified
|
94.43B
|
42.0
Composite
|
$25.30
|
Valuation
57.0
|
|
ING
ING Group, N.V.
Banks - Diversified
|
92.95B
|
40.6
Composite
|
$36.40
|
Valuation
61.2
|
|
Banks - Regional
|
90.75B
|
47.7
Composite
|
$8.20
|
Efficiency
58.8
|
|
Banks - Regional
|
86.70B
|
42.5
Composite
|
$5.81
|
Valuation
59.7
|
|
Banks - Regional
|
75.54B
|
43.6
Composite
|
$18.51
|
Valuation
60.5
|
|
Banks - Regional
|
70.74B
|
48.7
Composite
|
$18.67
|
Valuation
59.6
|
|
Banks - Regional
|
69.37B
|
43.6
Composite
|
$20.60
|
Valuation
60.5
|
|
Banks - Regional
|
66.46B
|
47.2
Composite
|
$13.65
|
Growth
66.3
|
|
Banks - Regional
|
66.40B
|
47.2
Composite
|
$37.98
|
Efficiency
61.7
|
|
Banks - Regional
|
64.00B
|
43.0
Composite
|
$48.56
|
Valuation
69.7
|
|
FITB
Fifth Third Bancorp
Banks - Regional
|
51.24B
|
36.9
Composite
|
$52.91
|
Growth
48.6
|
|
Banks - Regional
|
41.86B
|
41.8
Composite
|
$126.93
|
Profitability
49.8
|
|
Mortgage Finance
|
40.06B
|
54.8
Composite
|
$12.29
|
Growth
83.2
|
|
Credit Services
|
39.98B
|
46.1
Composite
|
$52.41
|
Valuation
62.4
|
|
BAP
Credicorp Ltd.
Banks - Regional
|
36.99B
|
54.4
Composite
|
$389.97
|
Growth
57.7
|
|
Banks - Regional
|
36.17B
|
36.9
Composite
|
$3.52
|
Efficiency
60.4
|
|
Banks - Regional
|
35.39B
|
45.9
Composite
|
$15.88
|
Valuation
69.2
|
|
Banks - Regional
|
34.85B
|
46.7
Composite
|
$227.31
|
Valuation
65.3
|
|
BBDO
Banco Bradesco Sa
Banks - Regional
|
34.72B
|
38.1
Composite
|
$3.24
|
Efficiency
60.4
|
|
Banks - Regional
|
33.71B
|
43.5
Composite
|
$80.14
|
Efficiency
57.4
|
|
FNMA
Fannie Mae
Mortgage Finance
|
33.63B
|
48.0
Composite
|
$5.18
|
Growth
55.4
|
|
Banks - Regional
|
29.54B
|
43.2
Composite
|
$67.36
|
Valuation
66.0
|
|
Banks - Regional
|
25.45B
|
45.6
Composite
|
$28.50
|
Valuation
65.4
|
|
KEY
KeyCorp
Banks - Regional
|
24.93B
|
38.8
Composite
|
$20.81
|
Valuation
55.7
|
|
Banks - Regional
|
24.14B
|
38.3
Composite
|
$2,111.89
|
Valuation
52.9
|
|
Credit Services
|
24.07B
|
43.9
Composite
|
$75.04
|
Valuation
59.0
|
|
Credit Services
|
23.88B
|
39.3
Composite
|
$16.96
|
Growth
64.2
|
|
Banks - Regional
|
22.23B
|
34.6
Composite
|
$19.72
|
Valuation
47.4
|
|
BCH
Banco De Chile
Banks - Regional
|
20.33B
|
37.8
Composite
|
$41.62
|
Profitability
49.3
|
|
CIB
BanColombia S.A.
Banks - Regional
|
19.07B
|
33.1
Composite
|
$97.27
|
Profitability
42.2
|
|
Banks - Regional
|
18.55B
|
44.5
Composite
|
$5.88
|
Efficiency
49.2
|
|
Banks - Regional
|
17.95B
|
49.1
Composite
|
$126.92
|
Valuation
66.2
|
|
Banks - Regional
|
17.72B
|
40.0
Composite
|
$25.59
|
Growth
68.5
|
|
FMCC
Freddie Mac
Mortgage Finance
|
17.72B
|
50.2
Composite
|
$4.73
|
Efficiency
57.9
|
|
Banks - Regional
|
17.10B
|
41.0
Composite
|
$19.98
|
Valuation
52.3
|
|
Banks - Regional
|
15.71B
|
40.9
Composite
|
$34.52
|
Profitability
52.7
|
|
Banks - Regional
|
15.15B
|
34.2
Composite
|
$77.98
|
Valuation
46.7
|
|
Banks - Regional
|
15.10B
|
53.5
Composite
|
$96.75
|
Efficiency
73.6
|
|
Banks - Regional
|
14.92B
|
40.7
Composite
|
$25.01
|
Valuation
53.9
|
|
Banks - Regional
|
14.06B
|
41.5
Composite
|
$20.41
|
Valuation
54.4
|
|
ALLY
Ally Financial Inc.
Credit Services
|
13.83B
|
41.9
Composite
|
$39.89
|
Valuation
63.6
|
|
Banks - Regional
|
13.56B
|
51.2
Composite
|
$24.23
|
Valuation
67.0
|
|
Banks - Regional
|
12.36B
|
45.5
Composite
|
$77.57
|
Valuation
65.5
|
|
Banks - Regional
|
12.19B
|
47.0
Composite
|
$23.94
|
Valuation
66.3
|
|
Banks - Regional
|
11.33B
|
35.3
Composite
|
$88.67
|
Valuation
52.6
|
|
BPOP
Popular, Inc.
Banks - Regional
|
10.93B
|
43.6
Composite
|
$162.58
|
Valuation
59.6
|
|
Banks - Regional
|
10.92B
|
52.9
Composite
|
$134.52
|
Growth
70.1
|
|
Banks - Regional
|
10.91B
|
48.4
Composite
|
$147.52
|
Efficiency
58.0
|
|
Banks - Regional
|
10.30B
|
49.2
Composite
|
$65.23
|
Efficiency
62.8
|
|
Banks - Regional
|
10.11B
|
47.5
Composite
|
$25.27
|
Growth
69.1
|
|
Credit Services
|
9.71B
|
48.8
Composite
|
$218.99
|
Valuation
66.0
|
|
Banks - Regional
|
9.70B
|
49.7
Composite
|
$103.44
|
Valuation
62.5
|
|
Banks - Regional
|
9.65B
|
45.3
Composite
|
$158.74
|
Valuation
64.4
|
|
Banks - Regional
|
9.21B
|
51.7
Composite
|
$29.90
|
Growth
71.0
|
|
Banks - Regional
|
8.74B
|
36.1
Composite
|
$78.54
|
Valuation
52.0
|
|
Banks - Regional
|
8.49B
|
46.2
Composite
|
$56.55
|
Efficiency
83.1
|
|
Banks - Regional
|
8.49B
|
32.3
Composite
|
$41.76
|
Health
44.7
|
|
Banks - Regional
|
8.23B
|
41.3
Composite
|
$133.14
|
Valuation
60.2
|
|
Banks - Regional
|
8.12B
|
44.0
Composite
|
$13.59
|
Valuation
66.6
|
|
CADE
Cadence Bank
Banks - Regional
|
7.98B
|
47.9
Composite
|
$42.11
|
Valuation
68.7
|
|
Banks - Regional
|
7.21B
|
50.6
Composite
|
$70.02
|
Valuation
65.5
|
|
Credit Services
|
6.80B
|
49.2
Composite
|
$60.81
|
Valuation
66.9
|
|
Banks - Regional
|
6.68B
|
43.5
Composite
|
$44.67
|
Growth
60.0
|
|
Banks - Regional
|
6.66B
|
43.8
Composite
|
$17.93
|
Valuation
66.0
|
|
Credit Services
|
6.56B
|
47.1
Composite
|
$564.27
|
Valuation
60.4
|
|
Banks - Regional
|
6.44B
|
43.3
Composite
|
$54.98
|
Growth
59.9
|
|
Banks - Regional
|
6.31B
|
50.0
Composite
|
$47.11
|
Valuation
60.5
|
|
Banks - Regional
|
6.16B
|
26.4
Composite
|
$12.55
|
Valuation
47.1
|
|
Banks - Regional
|
6.08B
|
35.9
Composite
|
$74.95
|
Efficiency
57.9
|
|
OZK
Bank OZK
Banks - Regional
|
6.08B
|
45.9
Composite
|
$47.88
|
Valuation
63.5
|
|
BMA
Banco Macro S.A.
Banks - Regional
|
6.07B
|
46.5
Composite
|
$75.21
|
Growth
85.5
|
|
ABCB
Ameris Bancorp
Banks - Regional
|
6.02B
|
48.5
Composite
|
$83.00
|
Efficiency
65.3
|
|
SEZL
Sezzle Inc.
Credit Services
|
5.95B
|
59.6
Composite
|
$116.55
|
Profitability
63.2
|
|
Banks - Regional
|
5.95B
|
51.4
Composite
|
$38.89
|
Growth
70.1
|
|
Credit Services
|
5.88B
|
49.5
Composite
|
$174.72
|
Efficiency
68.0
|
|
Banks - Regional
|
5.77B
|
46.3
Composite
|
$29.79
|
Valuation
66.3
|
|
Banks - Regional
|
5.75B
|
40.0
Composite
|
$5.08
|
Valuation
53.6
|
|
Banks - Regional
|
5.52B
|
36.8
Composite
|
$90.63
|
Growth
53.2
|
|
Banks - Regional
|
4.95B
|
45.6
Composite
|
$29.36
|
Valuation
64.8
|
|
Banks - Regional
|
4.93B
|
38.1
Composite
|
$16.90
|
Valuation
68.7
|
|
Banks - Regional
|
4.93B
|
49.5
Composite
|
$32.81
|
Valuation
68.7
|
|
Credit Services
|
4.87B
|
37.4
Composite
|
$74.30
|
Profitability
51.0
|
|
Banks - Regional
|
4.86B
|
40.7
Composite
|
$21.60
|
Valuation
59.6
|
|
NNI
Nelnet, Inc.
Credit Services
|
4.74B
|
39.2
Composite
|
$126.07
|
Valuation
61.4
|
|
Banks - Regional
|
4.67B
|
42.0
Composite
|
$70.24
|
Valuation
64.1
|
|
Banks - Regional
|
4.61B
|
42.4
Composite
|
$23.40
|
Valuation
62.3
|
|
Banks - Regional
|
4.59B
|
46.1
Composite
|
$41.45
|
Valuation
66.5
|
|
SLM
SLM Corporation
Credit Services
|
4.51B
|
37.9
Composite
|
$25.10
|
Profitability
50.7
|
|
Banks - Regional
|
4.48B
|
45.1
Composite
|
$94.90
|
Valuation
56.0
|
|
Mortgage Finance
|
4.25B
|
34.1
Composite
|
$66.36
|
Health
48.0
|
|
Banks - Regional
|
4.22B
|
42.9
Composite
|
$34.69
|
Valuation
65.5
|
|
Credit Services
|
4.14B
|
45.5
Composite
|
$108.00
|
Growth
59.4
|
|
Banks - Regional
|
4.12B
|
42.8
Composite
|
$61.48
|
Valuation
60.4
|
|
Banks - Regional
|
4.08B
|
45.6
Composite
|
$27.58
|
Valuation
64.8
|
|
Banks - Regional
|
4.02B
|
51.5
Composite
|
$82.24
|
Valuation
68.2
|
|
Banks - Regional
|
4.02B
|
43.6
Composite
|
$78.80
|
Efficiency
56.0
|
|
Banks - Regional
|
3.96B
|
38.7
Composite
|
$14.30
|
Growth
53.8
|
|
Banks - Regional
|
3.94B
|
48.6
Composite
|
$22.70
|
Valuation
67.4
|
|
Banks - Regional
|
3.83B
|
44.2
Composite
|
$109.46
|
Valuation
57.4
|
|
RNST
Renasant Corporation
Banks - Regional
|
3.83B
|
45.0
Composite
|
$40.62
|
Valuation
62.2
|
|
Banks - Regional
|
3.78B
|
41.1
Composite
|
$37.35
|
Valuation
59.1
|
|
WSBC
WesBanco, Inc.
Banks - Regional
|
3.74B
|
50.2
Composite
|
$39.37
|
Valuation
63.9
|
|
Banks - Regional
|
3.65B
|
47.4
Composite
|
$25.76
|
Efficiency
65.4
|
|
Banks - Regional
|
3.57B
|
48.8
Composite
|
$32.09
|
Efficiency
63.1
|
|
BKU
BankUnited, Inc.
Banks - Regional
|
3.51B
|
36.5
Composite
|
$44.45
|
Valuation
69.1
|
|
Banks - Regional
|
3.48B
|
43.3
Composite
|
$61.09
|
Valuation
64.8
|
|
Banks - Regional
|
3.47B
|
43.8
Composite
|
$168.02
|
Growth
67.8
|
|
Banks - Regional
|
3.31B
|
48.3
Composite
|
$183.37
|
Valuation
68.1
|
|
Banks - Regional
|
3.30B
|
43.2
Composite
|
$24.88
|
Valuation
63.6
|
|
Mortgage Finance
|
3.25B
|
45.2
Composite
|
$1.25
|
Growth
62.2
|
|
TOWN
Towne Bank
Banks - Regional
|
3.25B
|
41.7
Composite
|
$37.08
|
Valuation
59.8
|
|
Banks - Regional
|
3.24B
|
42.2
Composite
|
$72.82
|
Valuation
62.8
|
|
Banks - Regional
|
3.23B
|
38.4
Composite
|
$22.89
|
Valuation
58.1
|
|
Credit Services
|
3.18B
|
34.7
Composite
|
$25.00
|
Growth
56.5
|
|
Banks - Regional
|
3.16B
|
44.1
Composite
|
$33.70
|
Efficiency
70.1
|
|
Banks - Regional
|
3.10B
|
32.3
Composite
|
$18.29
|
Valuation
51.5
|
|
Banks - Regional
|
3.10B
|
44.1
Composite
|
$25.00
|
Valuation
65.5
|
|
Banks - Regional
|
2.90B
|
44.4
Composite
|
$53.36
|
Valuation
66.2
|
|
WAFD
WaFd, Inc.
Banks - Regional
|
2.79B
|
40.7
Composite
|
$32.39
|
Valuation
66.3
|
|
TBBK
The Bancorp, Inc.
Banks - Regional
|
2.77B
|
43.7
Composite
|
$50.23
|
Valuation
58.6
|
|
Banks - Regional
|
2.69B
|
42.0
Composite
|
$46.71
|
Valuation
61.4
|
|
Banks - Regional
|
2.68B
|
42.8
Composite
|
$40.87
|
Valuation
63.1
|
|
FBNC
First Bancorp
Banks - Regional
|
2.62B
|
45.2
Composite
|
$63.38
|
Valuation
63.5
|
|
Banks - Regional
|
2.56B
|
40.4
Composite
|
$77.61
|
Growth
65.4
|
|
NBTB
NBT Bancorp Inc.
Banks - Regional
|
2.55B
|
46.0
Composite
|
$51.51
|
Valuation
66.9
|
|
INTR
Inter & Co. Inc.
Banks - Regional
|
2.52B
|
46.3
Composite
|
$5.35
|
Growth
67.2
|
|
Credit Services
|
2.44B
|
39.1
Composite
|
$6.18
|
Valuation
55.9
|
|
Banks - Regional
|
2.44B
|
46.3
Composite
|
$29.96
|
Valuation
67.2
|
|
Banks - Diversified
|
2.37B
|
47.9
Composite
|
$59.41
|
Valuation
59.4
|
|
Banks - Regional
|
2.35B
|
45.8
Composite
|
$61.60
|
Valuation
62.8
|
|
BANR
Banner Corporation
Banks - Regional
|
2.27B
|
49.4
Composite
|
$69.72
|
Efficiency
74.3
|
|
Banks - Regional
|
2.22B
|
41.9
Composite
|
$79.37
|
Valuation
67.7
|
|
Banks - Regional
|
2.20B
|
38.1
Composite
|
$11.60
|
Valuation
67.0
|
|
Banks - Regional
|
2.20B
|
30.1
Composite
|
$38.65
|
Valuation
48.9
|
|
MBIN
Merchants Bancorp
Banks - Regional
|
2.19B
|
36.5
Composite
|
$52.07
|
Valuation
48.1
|
|
Banks - Regional
|
2.19B
|
42.2
Composite
|
$15.46
|
Valuation
68.8
|
|
Credit Services
|
2.17B
|
51.5
Composite
|
$218.97
|
Valuation
66.2
|
|
Banks - Regional
|
2.17B
|
37.5
Composite
|
$18.56
|
Growth
45.0
|
|
Banks - Regional
|
2.16B
|
49.8
Composite
|
$54.76
|
Valuation
60.2
|
|
OFG
OFG Bancorp
Banks - Regional
|
2.10B
|
42.7
Composite
|
$52.50
|
Valuation
59.8
|
|
EZPW
EZCORP, Inc.
Credit Services
|
2.10B
|
45.5
Composite
|
$30.65
|
Valuation
57.7
|
|
FCF
First
Banks - Regional
|
2.06B
|
47.0
Composite
|
$21.10
|
Efficiency
65.5
|
|
Banks - Regional
|
2.02B
|
39.9
Composite
|
$39.69
|
Valuation
62.6
|
|
Banks - Regional
|
1.97B
|
37.6
Composite
|
$40.97
|
Valuation
49.2
|
|
Mortgage Finance
|
1.97B
|
53.6
Composite
|
$99.54
|
Valuation
62.3
|
|
Banks - Regional
|
1.94B
|
46.7
Composite
|
$85.88
|
Valuation
62.0
|
|
Banks - Regional
|
1.91B
|
43.6
Composite
|
$38.25
|
Efficiency
72.0
|
|
Banks - Regional
|
1.89B
|
50.6
Composite
|
$75.90
|
Efficiency
64.8
|
|
CHCO
City Holding Company
Banks - Regional
|
1.87B
|
50.1
Composite
|
$140.24
|
Valuation
68.8
|
|
Banks - Regional
|
1.85B
|
32.5
Composite
|
$63.02
|
Efficiency
51.7
|
|
QFIN
Qifu Technology, Inc
Credit Services
|
1.81B
|
53.8
Composite
|
$8.09
|
Profitability
59.8
|
|
Banks - Regional
|
1.77B
|
32.9
Composite
|
$39.34
|
Health
44.8
|
|
STBA
S&T Bancorp, Inc.
Banks - Regional
|
1.76B
|
47.6
Composite
|
$50.17
|
Valuation
62.7
|
|
Banks - Regional
|
1.76B
|
49.1
Composite
|
$49.13
|
Valuation
67.2
|
|
Banks - Regional
|
1.75B
|
41.3
Composite
|
$40.73
|
Valuation
56.3
|
|
RBCAA
Republic Bancorp, Inc.
Banks - Regional
|
1.72B
|
44.6
Composite
|
$93.84
|
Efficiency
60.9
|
|
HOPE
Hope Bancorp, Inc.
Banks - Regional
|
1.71B
|
40.0
Composite
|
$13.96
|
Valuation
58.9
|
|
Mortgage Finance
|
1.69B
|
41.1
Composite
|
$37.77
|
Valuation
52.9
|
|
Banks - Regional
|
1.69B
|
42.7
Composite
|
$37.47
|
Valuation
57.6
|
|
TCBK
TriCo Bancshares
Banks - Regional
|
1.67B
|
45.7
Composite
|
$53.61
|
Valuation
65.8
|
|
Credit Services
|
1.66B
|
49.1
Composite
|
$150.00
|
Valuation
59.9
|
|
Banks - Regional
|
1.62B
|
44.8
Composite
|
$151.54
|
Growth
69.8
|
|
Banks - Regional
|
1.61B
|
43.4
Composite
|
$31.52
|
Valuation
67.0
|
|
Banks - Regional
|
1.59B
|
38.4
Composite
|
$53.73
|
Valuation
56.6
|
|
QCRH
QCR Holdings, Inc.
Banks - Regional
|
1.56B
|
36.0
Composite
|
$99.98
|
Valuation
49.9
|
|
Banks - Regional
|
1.50B
|
44.4
Composite
|
$59.70
|
Valuation
66.9
|
|
Credit Services
|
1.49B
|
51.0
Composite
|
$91.03
|
Efficiency
71.7
|
|
Banks - Regional
|
1.41B
|
43.6
Composite
|
$69.55
|
Valuation
66.8
|
|
Banks - Regional
|
1.38B
|
41.1
Composite
|
$48.02
|
Valuation
58.9
|
|
Banks - Regional
|
1.37B
|
47.7
Composite
|
$60.70
|
Valuation
62.6
|
|
PEBO
Peoples Bancorp Inc.
Banks - Regional
|
1.34B
|
42.0
Composite
|
$39.39
|
Valuation
64.1
|
|
Banks - Regional
|
1.32B
|
46.5
Composite
|
$99.34
|
Efficiency
63.8
|
|
Banks - Regional
|
1.30B
|
49.2
Composite
|
$75.93
|
Valuation
61.8
|
|
Banks - Regional
|
1.27B
|
43.1
Composite
|
$49.98
|
Valuation
59.9
|
|
Banks - Regional
|
1.22B
|
39.5
Composite
|
$42.48
|
Valuation
58.1
|
|
Banks - Regional
|
1.21B
|
40.6
Composite
|
$89.19
|
Growth
64.1
|
|
Banks - Regional
|
1.20B
|
43.4
Composite
|
$28.19
|
Valuation
65.2
|
|
Banks - Regional
|
1.20B
|
36.9
Composite
|
$45.14
|
Efficiency
68.2
|
|
Credit Services
|
1.18B
|
31.2
Composite
|
$1.18
|
Efficiency
65.6
|
|
Banks - Regional
|
1.18B
|
45.5
Composite
|
$24.99
|
Valuation
61.1
|
|
Banks - Regional
|
1.16B
|
43.7
Composite
|
$36.01
|
Valuation
60.3
|
|
NBN
Northeast Bank
Banks - Regional
|
1.16B
|
41.3
Composite
|
$133.44
|
Growth
67.4
|
|
FINV
FinVolution Group
Credit Services
|
1.12B
|
45.9
Composite
|
$3.30
|
Health
49.3
|
|
Banks - Regional
|
1.07B
|
40.7
Composite
|
$17.87
|
Valuation
65.9
|
|
Banks - Regional
|
1.04B
|
45.3
Composite
|
$8.85
|
Valuation
63.4
|
|
FSBC
Five Star Bancorp
Banks - Regional
|
1.03B
|
45.2
Composite
|
$44.47
|
Growth
63.8
|
|
Banks - Regional
|
1.02B
|
49.7
Composite
|
$34.98
|
Valuation
67.2
|
|
Banks - Regional
|
1.02B
|
51.4
Composite
|
$123.20
|
Valuation
63.3
|
|
Banks - Regional
|
1.01B
|
42.5
Composite
|
$31.45
|
Valuation
65.5
|
|
Banks - Regional
|
1.00B
|
39.7
Composite
|
$19.48
|
Valuation
61.8
|
|
Banks - Regional
|
995.76M
|
39.4
Composite
|
$36.99
|
Valuation
59.6
|
|
Banks - Regional
|
988.69M
|
38.4
Composite
|
$49.03
|
Valuation
55.8
|
|
Banks - Regional
|
982.95M
|
44.6
Composite
|
$30.70
|
Valuation
61.6
|
|
AMTB
Amerant Bancorp Inc.
Banks - Regional
|
982.42M
|
31.8
Composite
|
$29.54
|
Valuation
65.2
|
|
Banks - Regional
|
981.00M
|
43.5
Composite
|
$33.95
|
Growth
67.0
|
|
Banks - Regional
|
977.73M
|
45.7
Composite
|
$60.03
|
Valuation
62.4
|
|
TRST
TrustCo Bank Corp NY
Banks - Regional
|
951.70M
|
39.8
Composite
|
$56.67
|
Valuation
61.4
|
|
Banks - Regional
|
950.70M
|
43.5
Composite
|
$32.32
|
Valuation
65.9
|
|
Credit Services
|
944.00M
|
41.1
Composite
|
$182.14
|
Efficiency
73.8
|
|
Banks - Regional
|
904.43M
|
47.0
Composite
|
$57.19
|
Valuation
67.2
|
|
Banks - Regional
|
897.24M
|
45.5
Composite
|
$76.55
|
Valuation
65.6
|
|
MPB
Mid Penn Bancorp
Banks - Regional
|
868.32M
|
39.1
Composite
|
$36.94
|
Valuation
59.8
|
|
NBBK
NB Bancorp, Inc.
Banks - Regional
|
846.65M
|
41.5
Composite
|
$22.78
|
Growth
64.4
|
|
Banks - Regional
|
845.00M
|
46.7
Composite
|
$15.56
|
Valuation
70.5
|
|
Banks - Regional
|
843.44M
|
42.1
Composite
|
$50.19
|
Valuation
62.7
|
|
Banks - Regional
|
840.74M
|
42.6
Composite
|
$78.91
|
Valuation
65.3
|
|
Banks - Regional
|
836.90M
|
28.8
Composite
|
$8.04
|
Efficiency
42.5
|
|
Banks - Regional
|
828.40M
|
44.5
Composite
|
$13.45
|
Valuation
54.9
|
|
Banks - Regional
|
828.20M
|
42.5
Composite
|
$46.91
|
Health
53.5
|
|
Banks - Regional
|
823.42M
|
45.2
Composite
|
$72.49
|
Valuation
57.5
|
|
Banks - Regional
|
820.50M
|
39.4
Composite
|
$45.28
|
Efficiency
58.9
|
|
EGBN
Eagle Bancorp, Inc.
Banks - Regional
|
818.20M
|
32.1
Composite
|
$28.32
|
Valuation
49.5
|
|
Banks - Regional
|
806.80M
|
39.5
Composite
|
$43.88
|
Valuation
51.8
|
|
SMBK
SmartFinancial, Inc.
Banks - Regional
|
789.30M
|
38.2
Composite
|
$51.69
|
Valuation
53.1
|
|
Banks - Regional
|
784.34M
|
46.9
Composite
|
$42.06
|
Valuation
64.4
|
|
OPFI
OppFi Inc.
Credit Services
|
776.22M
|
62.0
Composite
|
$6.53
|
Growth
68.4
|
|
Banks - Regional
|
775.72M
|
43.4
Composite
|
$32.44
|
Valuation
60.4
|
|
Banks - Regional
|
762.26M
|
43.7
Composite
|
$40.64
|
Valuation
63.4
|
|
NAVI
Navient Corporation
Credit Services
|
754.74M
|
31.0
Composite
|
$9.51
|
Efficiency
36.0
|
|
Credit Services
|
754.45M
|
34.1
Composite
|
$13.17
|
Growth
50.5
|
|
Banks - Regional
|
750.42M
|
42.8
Composite
|
$23.23
|
Efficiency
59.5
|
|
Banks - Regional
|
747.10M
|
0.0
Composite
|
$36.55
|
No pillar score
-
|
|
Banks - Regional
|
731.27M
|
41.4
Composite
|
$26.05
|
Valuation
62.9
|
|
Banks - Regional
|
723.89M
|
38.5
Composite
|
$36.23
|
Valuation
54.1
|
|
Banks - Regional
|
719.10M
|
51.5
Composite
|
$30.70
|
Efficiency
79.8
|
|
VBNK
VersaBank
Banks - Regional
|
704.72M
|
31.6
Composite
|
$22.79
|
Growth
45.4
|
|
PRAA
PRA Group, Inc.
Credit Services
|
696.80M
|
43.4
Composite
|
$21.00
|
Valuation
65.9
|
|
Mortgage Finance
|
690.89M
|
50.0
Composite
|
$16.00
|
Valuation
64.6
|
|
Banks - Regional
|
678.93M
|
38.4
Composite
|
$39.31
|
Valuation
62.6
|
|
Banks - Regional
|
670.25M
|
43.0
Composite
|
$37.65
|
Valuation
62.1
|
|
Banks - Regional
|
659.53M
|
37.0
Composite
|
$44.37
|
Growth
56.2
|
|
BCAL
California BanCorp
Banks - Regional
|
658.74M
|
39.1
Composite
|
$21.51
|
Valuation
57.5
|
|
Banks - Regional
|
636.56M
|
41.1
Composite
|
$304.04
|
Efficiency
57.9
|
|
Banks - Regional
|
631.54M
|
46.5
Composite
|
$102.14
|
Valuation
58.3
|
|
Banks - Regional
|
627.31M
|
47.5
Composite
|
$16.45
|
Growth
65.6
|
|
Banks - Regional
|
624.80M
|
37.1
Composite
|
$33.54
|
Valuation
61.6
|
|
Banks - Regional
|
620.80M
|
41.2
Composite
|
$40.28
|
Valuation
66.4
|
|
Banks - Regional
|
614.76M
|
40.8
Composite
|
$15.31
|
Valuation
65.8
|
|
NRIM
Northrim BanCorp Inc
Banks - Regional
|
603.50M
|
45.6
Composite
|
$25.44
|
Valuation
60.7
|
|
ACNB
ACNB Corporation
Banks - Regional
|
602.61M
|
49.5
Composite
|
$63.85
|
Efficiency
66.9
|
|
Banks - Regional
|
594.80M
|
41.7
Composite
|
$20.92
|
Valuation
55.0
|
|
KRNY
Kearny Financial
Banks - Regional
|
589.80M
|
38.1
Composite
|
$9.56
|
Valuation
63.0
|
|
Banks - Regional
|
575.63M
|
41.8
Composite
|
$61.68
|
Efficiency
59.0
|
|
Banks - Regional
|
571.50M
|
42.6
Composite
|
$27.08
|
Valuation
63.1
|
|
Banks - Regional
|
568.78M
|
39.3
Composite
|
$36.00
|
Efficiency
58.1
|
|
UNTY
Unity Bancorp, Inc.
Banks - Regional
|
565.50M
|
45.1
Composite
|
$58.19
|
Valuation
58.3
|
|
Banks - Regional
|
545.67M
|
45.4
Composite
|
$35.66
|
Valuation
62.6
|
|
HBCP
Home Bancorp, Inc.
Banks - Regional
|
533.61M
|
42.0
Composite
|
$68.57
|
Valuation
60.5
|
|
BSRR
Sierra Bancorp
Banks - Regional
|
533.00M
|
40.5
Composite
|
$40.00
|
Valuation
67.5
|
|
Banks - Regional
|
527.30M
|
38.1
Composite
|
$70.80
|
Valuation
65.6
|
|
Banks - Regional
|
524.20M
|
28.5
Composite
|
$15.49
|
Valuation
39.6
|
|
Banks - Regional
|
493.00M
|
45.6
Composite
|
$38.49
|
Valuation
56.4
|
|
Banks - Regional
|
490.60M
|
41.8
Composite
|
$32.96
|
Growth
58.7
|
|
Banks - Regional
|
481.80M
|
19.1
Composite
|
$5.90
|
Health
29.6
|
|
Banks - Regional
|
481.10M
|
44.0
Composite
|
$20.31
|
Valuation
54.2
|
|
BSVN
Bank7 Corp.
Banks - Regional
|
479.77M
|
47.3
Composite
|
$53.94
|
Profitability
57.3
|
|
Mortgage Finance
|
455.71M
|
29.6
Composite
|
$12.42
|
Growth
46.2
|
|
Banks - Regional
|
455.21M
|
43.3
Composite
|
$28.10
|
Valuation
64.2
|
|
Banks - Regional
|
449.50M
|
42.4
Composite
|
$65.94
|
Valuation
56.6
|
|
WTBA
West Bancorporation
Banks - Regional
|
446.50M
|
44.7
Composite
|
$29.27
|
Valuation
65.9
|
|
RBB
RBB Bancorp
Banks - Regional
|
443.89M
|
44.0
Composite
|
$26.70
|
Valuation
66.8
|
|
FRBA
First Bank
Banks - Regional
|
430.61M
|
38.2
Composite
|
$17.78
|
Valuation
61.2
|
|
Banks - Regional
|
423.62M
|
46.4
Composite
|
$20.80
|
Efficiency
85.1
|
|
Banks - Regional
|
412.58M
|
33.4
Composite
|
$18.13
|
Valuation
49.2
|
|
Banks - Regional
|
412.20M
|
43.9
Composite
|
$35.53
|
Valuation
67.1
|
|
Banks - Regional
|
408.32M
|
36.3
Composite
|
$25.81
|
Valuation
55.2
|
|
PCB
PCB Bancorp
Banks - Regional
|
407.50M
|
45.3
Composite
|
$27.64
|
Valuation
61.1
|
|
NEWT
NewtekOne, Inc.
Banks - Regional
|
406.21M
|
36.6
Composite
|
$11.56
|
Valuation
50.4
|
|
PLBC
Plumas Bancorp
Banks - Regional
|
403.11M
|
45.9
Composite
|
$62.71
|
Growth
65.3
|
|
Banks - Regional
|
399.60M
|
43.4
Composite
|
$30.11
|
Valuation
63.7
|
|
Banks - Regional
|
390.10M
|
32.4
Composite
|
$15.91
|
Valuation
52.2
|
|
PKBK
Parke Bancorp, Inc.
Banks - Regional
|
378.21M
|
45.1
Composite
|
$33.87
|
Valuation
56.9
|
|
Banks - Regional
|
378.19M
|
47.6
Composite
|
$35.18
|
Valuation
61.2
|
|
Credit Services
|
372.60M
|
41.5
Composite
|
$31.39
|
Valuation
64.6
|
|
LDI
loanDepot, Inc.
Mortgage Finance
|
371.60M
|
33.9
Composite
|
$0.70
|
Efficiency
54.0
|
|
Credit Services
|
370.00M
|
34.6
Composite
|
$3.14
|
Efficiency
63.9
|
|
MVBF
MVB Financial Corp.
Banks - Regional
|
365.71M
|
34.7
Composite
|
$30.59
|
Valuation
49.6
|
|
Banks - Regional
|
360.89M
|
45.4
Composite
|
$23.13
|
Valuation
63.2
|
|
Banks - Regional
|
360.38M
|
41.0
Composite
|
$82.38
|
Valuation
60.4
|
|
Banks - Regional
|
359.20M
|
40.8
Composite
|
$27.29
|
Valuation
61.4
|
|
BCML
BayCom Corp
Banks - Regional
|
357.90M
|
41.1
Composite
|
$29.73
|
Valuation
66.0
|
|
Banks - Regional
|
352.90M
|
37.8
Composite
|
$20.46
|
Valuation
53.5
|
|
Banks - Regional
|
343.31M
|
47.5
Composite
|
$81.35
|
Valuation
61.0
|
|
Banks - Regional
|
341.20M
|
39.4
Composite
|
$34.76
|
Valuation
53.8
|
|
Banks - Regional
|
339.10M
|
41.6
Composite
|
$45.91
|
Valuation
58.8
|
|
LNKB
LINKBANCORP, Inc.
Banks - Regional
|
325.59M
|
39.3
Composite
|
$8.69
|
Valuation
55.0
|
|
ONIT
Onity Group Inc.
Mortgage Finance
|
322.60M
|
35.1
Composite
|
$31.79
|
Valuation
42.8
|
|
Banks - Regional
|
320.08M
|
38.5
Composite
|
$30.62
|
Efficiency
70.0
|
|
FVCB
FVCBankcorp, Inc.
Banks - Regional
|
311.70M
|
43.1
Composite
|
$18.01
|
Efficiency
59.4
|
|
Banks - Regional
|
307.50M
|
35.8
Composite
|
$3.96
|
Efficiency
70.9
|
|
Banks - Regional
|
304.70M
|
42.7
Composite
|
$33.73
|
Growth
55.1
|
|
Banks - Regional
|
303.80M
|
42.0
Composite
|
$23.15
|
Valuation
55.9
|
|
Banks - Regional
|
295.20M
|
43.2
Composite
|
$54.83
|
Valuation
60.3
|
|
Credit Services
|
288.38M
|
44.9
Composite
|
$0.75
|
Growth
51.3
|
|
FUNC
First
Banks - Regional
|
283.00M
|
41.8
Composite
|
$44.31
|
Efficiency
58.1
|
|
Banks - Regional
|
281.60M
|
43.4
Composite
|
$34.59
|
Efficiency
61.3
|
|
Banks - Regional
|
280.50M
|
33.0
Composite
|
$13.88
|
Valuation
61.3
|
|
Banks - Regional
|
275.33M
|
47.3
Composite
|
$63.79
|
Efficiency
82.5
|
|
Banks - Regional
|
275.14M
|
48.0
Composite
|
$47.22
|
Growth
62.5
|
|
Banks - Regional
|
272.30M
|
40.5
Composite
|
$33.67
|
Valuation
61.5
|
|
BLFY
Blue Foundry Bancorp
Banks - Regional
|
265.12M
|
27.6
Composite
|
$13.24
|
Efficiency
49.0
|
|
Banks - Regional
|
265.00M
|
43.7
Composite
|
$30.91
|
Valuation
63.9
|
|
Banks - Regional
|
263.90M
|
39.6
Composite
|
$38.73
|
Valuation
62.7
|
|
Mortgage Finance
|
260.60M
|
45.5
Composite
|
$8.71
|
Health
57.1
|
|
Banks - Regional
|
259.71M
|
39.5
Composite
|
$43.18
|
Valuation
67.4
|
|
Credit Services
|
258.70M
|
43.0
Composite
|
$8.16
|
Efficiency
63.1
|
|
Banks - Regional
|
258.01M
|
32.8
Composite
|
$93.00
|
Valuation
47.8
|
|
Banks - Regional
|
257.20M
|
46.5
Composite
|
$32.02
|
Valuation
64.5
|
|
LCNB
LCNB Corporation
Banks - Regional
|
250.70M
|
39.4
Composite
|
$18.79
|
Valuation
61.8
|
|
Banks - Regional
|
242.12M
|
44.6
Composite
|
$47.07
|
Valuation
64.6
|
|
Banks - Regional
|
236.32M
|
38.4
Composite
|
$15.79
|
Valuation
67.5
|
|
Credit Services
|
234.40M
|
41.2
Composite
|
$11.98
|
Valuation
59.9
|
|
MRBK
Meridian Corporation
Banks - Regional
|
231.86M
|
32.3
Composite
|
$19.05
|
Valuation
55.7
|
|
Banks - Regional
|
230.40M
|
41.1
Composite
|
$44.01
|
Valuation
59.9
|
|
Banks - Regional
|
228.90M
|
36.1
Composite
|
$27.77
|
Efficiency
66.1
|
|
FSBW
FS Bancorp, Inc.
Banks - Regional
|
226.86M
|
38.1
Composite
|
$43.87
|
Valuation
63.3
|
|
Banks - Regional
|
226.85M
|
44.8
Composite
|
$42.59
|
Valuation
72.4
|
|
Credit Services
|
226.38M
|
37.8
Composite
|
$14.01
|
Valuation
45.8
|
|
Credit Services
|
225.49M
|
32.0
Composite
|
$6.69
|
Efficiency
47.1
|
|
Banks - Regional
|
222.10M
|
39.5
Composite
|
$21.87
|
Valuation
65.5
|
|
FBLA
FB Bancorp, Inc.
Banks - Regional
|
222.08M
|
32.9
Composite
|
$16.11
|
Efficiency
83.6
|
|
OPBK
OP Bancorp
Banks - Regional
|
218.50M
|
39.2
Composite
|
$15.41
|
Valuation
58.1
|
|
PMTS
CPI Card Group Inc.
Credit Services
|
214.94M
|
36.2
Composite
|
$24.14
|
Efficiency
53.1
|
|
FCAP
First Capital, Inc.
Banks - Regional
|
207.00M
|
43.1
Composite
|
$62.27
|
Growth
55.0
|
|
CFBK
CF Bankshares Inc.
Banks - Regional
|
203.85M
|
37.9
Composite
|
$34.46
|
Valuation
48.7
|
|
Credit Services
|
199.20M
|
45.1
Composite
|
$9.34
|
Efficiency
83.2
|
|
Banks - Regional
|
198.57M
|
38.8
Composite
|
$44.85
|
Valuation
58.1
|
|
FINW
FinWise Bancorp
Banks - Regional
|
192.71M
|
36.8
Composite
|
$12.53
|
Efficiency
56.2
|
|
Banks - Regional
|
191.90M
|
40.4
Composite
|
$36.89
|
Valuation
68.6
|
|
XYF
X Financial
Credit Services
|
187.96M
|
44.5
Composite
|
$4.90
|
Growth
53.1
|
|
Banks - Regional
|
186.94M
|
34.2
Composite
|
$12.99
|
Valuation
51.9
|
|
BVFL
BV Financial, Inc.
Banks - Regional
|
184.40M
|
41.9
Composite
|
$20.83
|
Efficiency
72.0
|
|
Banks - Regional
|
183.72M
|
41.9
Composite
|
$31.87
|
Valuation
60.9
|
|
Banks - Regional
|
181.52M
|
33.6
Composite
|
$22.06
|
Valuation
52.2
|
|
Banks - Regional
|
177.90M
|
41.9
Composite
|
$10.51
|
Efficiency
54.4
|
|
ECBK
ECB Bancorp, Inc.
Banks - Regional
|
177.09M
|
40.8
Composite
|
$20.92
|
Growth
66.5
|
|
Banks - Regional
|
171.00M
|
39.9
Composite
|
$24.67
|
Valuation
66.5
|
|
Banks - Regional
|
169.60M
|
26.2
Composite
|
$8.70
|
Efficiency
43.3
|
|
Banks - Regional
|
163.32M
|
30.6
Composite
|
$26.63
|
Valuation
55.5
|
|
Banks - Regional
|
162.02M
|
36.3
Composite
|
$29.31
|
Valuation
49.2
|
|
Banks - Regional
|
162.01M
|
36.9
Composite
|
$8.65
|
Efficiency
69.7
|
|
FNWD
Finward Bancorp
Banks - Regional
|
154.36M
|
40.6
Composite
|
$42.58
|
Efficiency
61.3
|
|
Banks - Regional
|
149.50M
|
23.3
Composite
|
$12.00
|
Valuation
41.0
|
|
SRBK
SR Bancorp, Inc.
Banks - Regional
|
145.95M
|
39.9
Composite
|
$19.62
|
Valuation
67.4
|
|
Banks - Regional
|
138.11M
|
40.7
Composite
|
$23.00
|
Efficiency
63.2
|
|
Banks - Regional
|
137.70M
|
26.1
Composite
|
$0.97
|
Growth
53.3
|
|
Banks - Regional
|
133.70M
|
40.3
Composite
|
$17.96
|
Valuation
56.9
|
|
Mortgage Finance
|
127.24M
|
44.6
Composite
|
$5.97
|
Valuation
56.9
|
|
Banks - Regional
|
115.40M
|
42.1
Composite
|
$26.95
|
Efficiency
58.7
|
|
Banks - Regional
|
113.30M
|
41.1
Composite
|
$23.96
|
Valuation
64.5
|
|
Banks - Regional
|
112.92M
|
32.8
Composite
|
$9.20
|
Valuation
56.2
|
|
MGYR
Magyar Bancorp, Inc.
Banks - Regional
|
112.90M
|
39.6
Composite
|
$19.27
|
Valuation
64.0
|
|
Banks - Regional
|
112.44M
|
36.9
Composite
|
$48.90
|
Valuation
54.6
|
|
Credit Services
|
110.20M
|
34.2
Composite
|
$0.98
|
Efficiency
48.7
|
|
Banks - Regional
|
107.63M
|
35.3
Composite
|
$18.61
|
Valuation
66.4
|
|
Banks - Regional
|
106.90M
|
27.0
Composite
|
$5.92
|
Efficiency
54.0
|
|
Banks - Regional
|
105.20M
|
28.1
Composite
|
$10.36
|
Efficiency
49.5
|
|
Banks - Regional
|
99.54M
|
27.1
Composite
|
$18.02
|
Valuation
45.2
|
|
Banks - Regional
|
94.48M
|
36.8
Composite
|
$16.45
|
Efficiency
55.8
|
|
IROQ
IF Bancorp, Inc.
Banks - Regional
|
92.97M
|
36.8
Composite
|
$26.55
|
Valuation
66.4
|
|
UBCP
United Bancorp, Inc.
Banks - Regional
|
92.92M
|
31.7
Composite
|
$16.00
|
Valuation
50.7
|
|
Banks - Regional
|
91.71M
|
41.8
Composite
|
$27.50
|
Valuation
62.1
|
|
Banks - Regional
|
91.10M
|
35.5
Composite
|
$17.70
|
Efficiency
63.4
|
|
Banks - Regional
|
90.10M
|
35.8
Composite
|
$12.09
|
Valuation
54.9
|
|
Credit Services
|
89.90M
|
0.0
Composite
|
$27.36
|
No pillar score
-
|
|
Banks - Regional
|
89.50M
|
32.6
Composite
|
$18.31
|
Efficiency
62.4
|
|
SSBI
Summit State Bank
Banks - Regional
|
86.55M
|
29.6
Composite
|
$12.35
|
Efficiency
66.4
|
|
Mortgage Finance
|
78.56M
|
46.0
Composite
|
$17.00
|
Profitability
56.0
|
|
Banks - Regional
|
74.45M
|
40.6
Composite
|
$20.46
|
Growth
53.3
|
|
Banks - Regional
|
73.43M
|
27.8
Composite
|
$17.16
|
Valuation
44.3
|
|
Banks - Regional
|
73.40M
|
39.5
Composite
|
$9.33
|
Growth
65.1
|
|
Banks - Regional
|
69.90M
|
34.9
Composite
|
$26.51
|
Valuation
51.8
|
|
NSTS
NSTS Bancorp, Inc.
Banks - Regional
|
67.88M
|
41.9
Composite
|
$14.06
|
Efficiency
69.4
|
|
Banks - Regional
|
67.26M
|
37.3
Composite
|
$18.15
|
Valuation
50.9
|
|
Banks - Regional
|
64.50M
|
29.6
Composite
|
$4.65
|
Valuation
44.8
|
|
Banks - Regional
|
47.93M
|
32.8
Composite
|
$17.00
|
Valuation
51.1
|
|
Mortgage Finance
|
45.52M
|
33.0
Composite
|
$1.86
|
Efficiency
79.7
|
|
Banks - Regional
|
39.60M
|
34.5
Composite
|
$5.81
|
Valuation
52.5
|
|
Banks - Regional
|
34.83M
|
27.9
Composite
|
$16.23
|
Efficiency
62.9
|
|
Credit Services
|
30.68M
|
35.4
Composite
|
$4.20
|
Efficiency
54.3
|
|
Mortgage Finance
|
24.79M
|
35.5
Composite
|
$0.87
|
Growth
49.5
|
|
Banks - Regional
|
23.33M
|
17.7
Composite
|
$9.06
|
Efficiency
55.6
|
|
Credit Services
|
20.96M
|
25.0
Composite
|
$2.00
|
Efficiency
52.1
|
|
Credit Services
|
14.50M
|
25.2
Composite
|
$0.96
|
Efficiency
60.0
|
|
GLBZ
Glen Burnie Bancorp
Banks - Regional
|
13.06M
|
23.2
Composite
|
$4.35
|
Growth
38.3
|
|
CARV
Carver Bancorp, Inc.
Banks - Regional
|
7.51M
|
20.6
Composite
|
$1.73
|
Efficiency
43.2
|
|
Credit Services
|
6.00M
|
26.1
Composite
|
$1.72
|
Health
51.0
|
|
Credit Services
|
2.20M
|
20.8
Composite
|
$1.96
|
Efficiency
35.8
|
|
Credit Services
|
1.88M
|
32.1
Composite
|
$0.50
|
Efficiency
44.9
|
|
SHFS
SHF Holdings, Inc.
Banks - Regional
|
1.49M
|
35.6
Composite
|
$0.16
|
Efficiency
48.9
|
|
Banks - Diversified
|
-
|
45.4
Composite
|
$1,253.00
|
Efficiency
80.8
|
|
Credit Services
|
-
|
48.6
Composite
|
$24.01
|
Efficiency
70.9
|
|
Banks - Regional
|
-
|
44.2
Composite
|
$15.32
|
Valuation
65.6
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Mortgage Finance
|
-
|
32.0
Composite
|
$0.14
|
Growth
68.8
|
|
Banks - Regional
|
-
|
39.6
Composite
|
$19.50
|
Growth
64.2
|
|
Banks - Regional
|
-
|
0.0
Composite
|
$24.00
|
No pillar score
-
|
|
CFSB
CFSB Bancorp, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
40.1
Composite
|
$24.64
|
Growth
75.1
|
|
Banks - Regional
|
-
|
42.5
Composite
|
$25.39
|
Growth
80.9
|
|
Banks - Regional
|
-
|
41.5
Composite
|
-
|
Efficiency
63.8
|
|
Banks - Regional
|
-
|
42.9
Composite
|
$18.40
|
Growth
87.0
|
|
Credit Services
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
30.8
Composite
|
-
|
Valuation
66.6
|
|
Banks - Regional
|
-
|
45.1
Composite
|
$17.71
|
Valuation
62.8
|
|
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
64.0
|
|
Banks - Regional
|
-
|
39.2
Composite
|
$22.53
|
Growth
67.6
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
31.9
Composite
|
$19.11
|
Profitability
36.4
|
|
Banks - Regional
|
-
|
28.0
Composite
|
-
|
Valuation
54.6
|
|
Banks - Regional
|
-
|
29.7
Composite
|
$17.75
|
Efficiency
69.7
|
|
Banks - Regional
|
-
|
41.9
Composite
|
$25.30
|
Efficiency
55.2
|
|
Banks - Regional
|
-
|
48.5
Composite
|
$33.98
|
Efficiency
66.8
|
|
Banks - Regional
|
-
|
41.5
Composite
|
$17.72
|
Valuation
66.7
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Mortgage Finance
|
-
|
50.5
Composite
|
-
|
Efficiency
77.7
|
|
Banks - Regional
|
-
|
24.3
Composite
|
-
|
Valuation
66.7
|
|
Banks - Regional
|
-
|
50.6
Composite
|
-
|
Efficiency
79.5
|
|
HMST
HomeStreet, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
42.2
Composite
|
$25.06
|
Valuation
79.5
|
|
Banks - Regional
|
-
|
45.5
Composite
|
$16.69
|
Valuation
79.5
|
|
Banks - Regional
|
-
|
45.5
Composite
|
$20.15
|
Valuation
79.5
|
|
Banks - Regional
|
-
|
37.5
Composite
|
$25.16
|
Valuation
65.5
|
|
Banks - Regional
|
-
|
46.9
Composite
|
-
|
Efficiency
59.2
|
|
Banks - Regional
|
-
|
34.9
Composite
|
$25.43
|
Valuation
55.4
|
|
Banks - Regional
|
-
|
34.9
Composite
|
$19.98
|
Valuation
55.4
|
|
Banks - Regional
|
-
|
30.5
Composite
|
$25.40
|
Efficiency
54.3
|
|
Banks - Regional
|
-
|
40.4
Composite
|
$49.31
|
Valuation
65.3
|
|
Mortgage Finance
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
30.0
Composite
|
-
|
Valuation
66.7
|
|
Banks - Regional
|
-
|
45.8
Composite
|
$24.96
|
Growth
85.7
|
|
Banks - Regional
|
-
|
46.1
Composite
|
$24.78
|
Growth
85.7
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
PBBK
PB Bankshares, Inc.
Banks - Regional
|
-
|
40.4
Composite
|
$19.81
|
Valuation
57.8
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
48.8
Composite
|
$25.02
|
Efficiency
70.8
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
28.1
Composite
|
-
|
Efficiency
46.5
|
|
QD
Qudian Inc.
Credit Services
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
30.1
Composite
|
-
|
Growth
39.4
|
|
SHFSW
SHF Holdings, Inc.
Banks - Regional
|
-
|
40.0
Composite
|
$0.01
|
Valuation
53.8
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
23.7
Composite
|
-
|
Growth
42.3
|
|
Banks - Regional
|
-
|
46.9
Composite
|
$50.05
|
Valuation
67.1
|
|
Banks - Regional
|
-
|
45.3
Composite
|
-
|
Valuation
66.7
|
|
TCBC
TC Bancshares, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
32.6
Composite
|
$9.99
|
Growth
42.3
|
|
Banks - Regional
|
-
|
20.4
Composite
|
-
|
Health
32.6
|
|
Banks - Regional
|
-
|
41.7
Composite
|
$19.72
|
Growth
65.2
|
|
Banks - Regional
|
-
|
23.3
Composite
|
-
|
Efficiency
31.2
|
|
Banks - Regional
|
-
|
31.0
Composite
|
$22.25
|
Efficiency
67.1
|
|
Banks - Regional
|
-
|
59.8
Composite
|
-
|
Growth
92.8
|
|
Banks - Regional
|
-
|
30.9
Composite
|
-
|
Valuation
66.9
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
36.9
Composite
|
$16.50
|
Valuation
66.7
|
|
Banks - Regional
|
-
|
50.8
Composite
|
-
|
Growth
98.5
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
40.6
Composite
|
-
|
Growth
67.7
|
|
Banks - Regional
|
-
|
39.8
Composite
|
-
|
Growth
58.1
|
|
Banks - Regional
|
-
|
44.8
Composite
|
$18.04
|
Valuation
65.4
|
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.