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
|
888.20B
|
44.7
Composite
|
$331.48
|
Valuation
60.3
|
|
Credit Services
|
595.80B
|
67.1
Composite
|
$326.60
|
Profitability
85.1
|
|
Credit Services
|
427.73B
|
64.4
Composite
|
$484.09
|
Profitability
78.2
|
|
Banks - Diversified
|
407.13B
|
49.2
Composite
|
$57.37
|
Valuation
69.0
|
|
HSBC
HSBC Holdings, plc.
Banks - Diversified
|
331.52B
|
47.5
Composite
|
$96.51
|
Valuation
62.2
|
|
Banks - Diversified
|
328.47B
|
53.8
Composite
|
$25.28
|
Profitability
70.8
|
|
Banks - Diversified
|
324.83B
|
44.0
Composite
|
$24.10
|
Valuation
57.9
|
|
Banks - Diversified
|
281.63B
|
47.3
Composite
|
$202.74
|
Valuation
71.8
|
|
Banks - Diversified
|
261.81B
|
50.8
Composite
|
$19.12
|
Valuation
68.7
|
|
Banks - Diversified
|
260.75B
|
50.6
Composite
|
$18.86
|
Valuation
67.5
|
|
Banks - Diversified
|
256.57B
|
38.5
Composite
|
$83.84
|
Valuation
58.9
|
|
Banks - Diversified
|
253.32B
|
50.2
Composite
|
$25.08
|
Valuation
65.1
|
|
Banks - Diversified
|
251.73B
|
43.1
Composite
|
$20.86
|
Growth
68.3
|
|
Banks - Diversified
|
250.32B
|
50.0
Composite
|
$24.51
|
Valuation
64.2
|
|
Banks - Diversified
|
248.45B
|
37.9
Composite
|
$145.67
|
Growth
68.7
|
|
Banks - Diversified
|
241.87B
|
49.7
Composite
|
$19.43
|
Valuation
62.4
|
|
Banks - Diversified
|
230.73B
|
49.4
Composite
|
$18.76
|
Valuation
60.5
|
|
Credit Services
|
230.67B
|
46.9
Composite
|
$338.07
|
Valuation
69.8
|
|
Banks - Diversified
|
227.25B
|
49.2
Composite
|
$19.96
|
Valuation
59.4
|
|
Banks - Diversified
|
207.74B
|
36.6
Composite
|
$13.71
|
Valuation
43.5
|
|
Banks - Diversified
|
202.03B
|
43.8
Composite
|
$119.58
|
Growth
61.2
|
|
Banks - Diversified
|
192.54B
|
44.1
Composite
|
$22.84
|
Profitability
53.7
|
|
Banks - Diversified
|
179.42B
|
43.8
Composite
|
$1,168.01
|
Profitability
53.7
|
|
Banks - Diversified
|
162.05B
|
53.3
Composite
|
$25.03
|
Growth
72.6
|
|
Banks - Diversified
|
155.51B
|
34.7
Composite
|
$51.14
|
Growth
60.5
|
|
Banks - Diversified
|
140.63B
|
58.7
Composite
|
$24.85
|
Efficiency
74.9
|
|
Banks - Regional
|
127.87B
|
42.2
Composite
|
$25.09
|
Growth
71.0
|
|
Banks - Regional
|
127.57B
|
38.0
Composite
|
$10.15
|
Growth
61.2
|
|
Credit Services
|
124.89B
|
48.9
Composite
|
$200.70
|
Valuation
66.6
|
|
BMO
Bank Of Montreal
Banks - Diversified
|
121.30B
|
44.6
Composite
|
$173.18
|
Valuation
71.1
|
|
Banks - Diversified
|
118.17B
|
43.5
Composite
|
$17.12
|
Profitability
53.7
|
|
Banks - Diversified
|
106.63B
|
43.9
Composite
|
$86.90
|
Valuation
59.9
|
|
Banks - Diversified
|
104.28B
|
54.1
Composite
|
$114.00
|
Valuation
68.0
|
|
Banks - Diversified
|
100.26B
|
43.5
Composite
|
$146.07
|
Growth
81.3
|
|
Banks - Regional
|
99.49B
|
45.4
Composite
|
$28.53
|
Growth
61.9
|
|
BCS
Barclays PLC
Banks - Diversified
|
94.61B
|
46.2
Composite
|
$27.29
|
Efficiency
68.8
|
|
Banks - Regional
|
94.25B
|
50.6
Composite
|
$234.71
|
Growth
69.3
|
|
ING
ING Group, N.V.
Banks - Diversified
|
92.30B
|
42.6
Composite
|
$32.20
|
Valuation
66.3
|
|
USB
U.S. Bancorp
Banks - Regional
|
91.09B
|
51.1
Composite
|
$58.68
|
Valuation
67.1
|
|
Banks - Regional
|
85.90B
|
42.7
Composite
|
$7.93
|
Profitability
54.9
|
|
Banks - Regional
|
84.50B
|
43.0
Composite
|
$5.74
|
Valuation
60.6
|
|
Banks - Regional
|
75.54B
|
52.1
Composite
|
$18.70
|
Valuation
58.2
|
|
Banks - Regional
|
69.37B
|
51.7
Composite
|
$21.63
|
Valuation
56.0
|
|
Banks - Regional
|
68.67B
|
48.4
Composite
|
$36.09
|
Efficiency
74.1
|
|
Banks - Regional
|
66.84B
|
53.0
Composite
|
$17.51
|
Valuation
64.3
|
|
Banks - Regional
|
61.79B
|
47.5
Composite
|
$12.79
|
Growth
65.4
|
|
Banks - Regional
|
60.75B
|
42.8
Composite
|
$48.76
|
Valuation
62.4
|
|
FITB
Fifth Third Bancorp
Banks - Regional
|
48.59B
|
45.6
Composite
|
$53.61
|
Valuation
71.3
|
|
Banks - Regional
|
37.98B
|
41.9
Composite
|
$105.91
|
Growth
61.2
|
|
Mortgage Finance
|
37.74B
|
44.9
Composite
|
$13.34
|
Efficiency
59.2
|
|
Credit Services
|
37.35B
|
46.4
Composite
|
$42.34
|
Growth
52.6
|
|
FNMA
Fannie Mae
Mortgage Finance
|
36.50B
|
54.0
Composite
|
$6.35
|
Valuation
72.5
|
|
BAP
Credicorp Ltd.
Banks - Regional
|
35.92B
|
51.9
Composite
|
$380.57
|
Growth
68.2
|
|
Banks - Regional
|
35.54B
|
32.4
Composite
|
$3.43
|
Growth
57.7
|
|
Banks - Regional
|
34.56B
|
52.1
Composite
|
$17.05
|
Valuation
65.1
|
|
BBDO
Banco Bradesco Sa
Banks - Regional
|
33.46B
|
44.7
Composite
|
$2.95
|
Growth
77.7
|
|
Banks - Regional
|
33.35B
|
49.4
Composite
|
$227.73
|
Valuation
68.0
|
|
Banks - Regional
|
31.80B
|
49.8
Composite
|
$66.16
|
Profitability
55.6
|
|
Banks - Regional
|
28.75B
|
47.5
Composite
|
$67.99
|
Valuation
72.8
|
|
Credit Services
|
25.51B
|
45.3
Composite
|
$75.71
|
Efficiency
60.3
|
|
KEY
KeyCorp
Banks - Regional
|
24.75B
|
45.8
Composite
|
$22.83
|
Growth
74.7
|
|
Banks - Regional
|
24.53B
|
49.0
Composite
|
$28.75
|
Valuation
67.4
|
|
Banks - Regional
|
24.16B
|
41.4
Composite
|
$2,084.99
|
Growth
57.6
|
|
Banks - Regional
|
22.23B
|
36.1
Composite
|
$20.57
|
Valuation
44.9
|
|
Credit Services
|
21.93B
|
36.2
Composite
|
$17.10
|
Growth
55.2
|
|
BCH
Banco De Chile
Banks - Regional
|
20.24B
|
50.3
Composite
|
$40.08
|
Efficiency
77.2
|
|
Banks - Regional
|
19.66B
|
42.0
Composite
|
$5.31
|
Valuation
54.0
|
|
CIB
BanColombia S.A.
Banks - Regional
|
19.41B
|
44.0
Composite
|
$81.28
|
Efficiency
56.4
|
|
FMCC
Freddie Mac
Mortgage Finance
|
18.91B
|
51.7
Composite
|
$5.87
|
Efficiency
58.4
|
|
Banks - Regional
|
17.72B
|
47.1
Composite
|
$25.73
|
Valuation
54.3
|
|
Banks - Regional
|
17.69B
|
52.5
Composite
|
$129.13
|
Growth
74.9
|
|
Banks - Regional
|
17.10B
|
47.1
Composite
|
$20.42
|
Valuation
61.1
|
|
Banks - Regional
|
15.49B
|
47.0
Composite
|
$32.88
|
Profitability
59.7
|
|
Banks - Regional
|
14.92B
|
52.8
Composite
|
$24.95
|
Growth
71.2
|
|
Banks - Regional
|
14.71B
|
46.9
Composite
|
$60.14
|
Efficiency
64.1
|
|
Banks - Regional
|
14.51B
|
51.6
Composite
|
$96.47
|
Growth
72.1
|
|
Banks - Regional
|
14.06B
|
52.7
Composite
|
$20.64
|
Growth
71.2
|
|
ALLY
Ally Financial Inc.
Credit Services
|
13.97B
|
37.0
Composite
|
$45.57
|
Valuation
60.7
|
|
Banks - Regional
|
13.56B
|
52.9
Composite
|
$24.21
|
Profitability
57.2
|
|
Banks - Regional
|
12.34B
|
52.7
Composite
|
$76.13
|
Growth
67.2
|
|
Banks - Regional
|
11.78B
|
42.7
Composite
|
$24.81
|
Valuation
64.7
|
|
Banks - Regional
|
11.33B
|
38.5
Composite
|
$88.67
|
Valuation
59.5
|
|
BPOP
Popular, Inc.
Banks - Regional
|
10.50B
|
48.1
Composite
|
$162.73
|
Growth
62.0
|
|
Banks - Regional
|
10.40B
|
44.2
Composite
|
$136.94
|
Growth
86.4
|
|
Banks - Regional
|
10.39B
|
51.1
Composite
|
$155.77
|
Growth
71.2
|
|
Credit Services
|
10.03B
|
49.3
Composite
|
$228.89
|
Valuation
64.2
|
|
Banks - Regional
|
9.87B
|
47.6
Composite
|
$67.12
|
Growth
66.0
|
|
Banks - Regional
|
9.66B
|
47.9
Composite
|
$25.01
|
Growth
71.0
|
|
Banks - Regional
|
9.49B
|
45.4
Composite
|
$97.13
|
Growth
89.3
|
|
Banks - Regional
|
9.15B
|
45.9
Composite
|
$149.39
|
Valuation
59.9
|
|
Banks - Regional
|
9.00B
|
24.6
Composite
|
$53.33
|
Health
39.6
|
|
Banks - Regional
|
8.84B
|
46.7
Composite
|
$30.87
|
Growth
68.2
|
|
Banks - Regional
|
8.60B
|
40.7
Composite
|
$78.76
|
Growth
52.2
|
|
Banks - Regional
|
8.07B
|
48.2
Composite
|
$132.88
|
Growth
66.9
|
|
CADE
Cadence Bank
Banks - Regional
|
7.98B
|
49.0
Composite
|
$42.11
|
Valuation
71.2
|
|
Banks - Regional
|
7.98B
|
53.1
Composite
|
$55.08
|
Valuation
72.1
|
|
Banks - Regional
|
7.89B
|
43.7
Composite
|
$14.24
|
Valuation
62.5
|
|
Banks - Regional
|
7.22B
|
47.7
Composite
|
$71.57
|
Valuation
66.8
|
|
Banks - Regional
|
6.83B
|
48.6
Composite
|
$5.34
|
Growth
66.1
|
|
BMA
Banco Macro S.A.
Banks - Regional
|
6.74B
|
33.0
Composite
|
$97.28
|
Efficiency
47.9
|
|
Credit Services
|
6.73B
|
51.4
Composite
|
$58.23
|
Valuation
70.1
|
|
Banks - Regional
|
6.54B
|
50.8
Composite
|
$18.36
|
Valuation
67.6
|
|
Banks - Regional
|
6.37B
|
45.5
Composite
|
$48.93
|
Valuation
62.0
|
|
Banks - Regional
|
6.35B
|
40.6
Composite
|
$56.40
|
Growth
55.2
|
|
Banks - Regional
|
6.26B
|
18.7
Composite
|
$15.03
|
Growth
35.1
|
|
Banks - Regional
|
6.12B
|
52.5
Composite
|
$44.95
|
Growth
65.1
|
|
Credit Services
|
6.04B
|
46.3
Composite
|
$577.53
|
Efficiency
56.7
|
|
OZK
Bank OZK
Banks - Regional
|
5.99B
|
55.1
Composite
|
$49.84
|
Profitability
65.8
|
|
ABCB
Ameris Bancorp
Banks - Regional
|
5.89B
|
50.8
Composite
|
$88.35
|
Profitability
64.9
|
|
Banks - Regional
|
5.74B
|
51.9
Composite
|
$70.78
|
Valuation
68.8
|
|
Banks - Regional
|
5.67B
|
45.9
Composite
|
$39.62
|
Growth
73.3
|
|
Banks - Regional
|
5.60B
|
51.9
Composite
|
$27.78
|
Valuation
63.5
|
|
SEZL
Sezzle Inc.
Credit Services
|
5.49B
|
60.1
Composite
|
$156.47
|
Efficiency
81.3
|
|
Credit Services
|
5.09B
|
48.0
Composite
|
$204.74
|
Efficiency
78.2
|
|
Banks - Regional
|
5.01B
|
46.5
Composite
|
$88.52
|
Growth
68.9
|
|
Banks - Regional
|
4.88B
|
50.9
Composite
|
$29.38
|
Growth
73.7
|
|
Credit Services
|
4.87B
|
39.5
Composite
|
$75.04
|
Profitability
52.0
|
|
Banks - Regional
|
4.74B
|
52.6
Composite
|
$33.09
|
Valuation
72.9
|
|
NNI
Nelnet, Inc.
Credit Services
|
4.68B
|
40.2
Composite
|
$129.73
|
Efficiency
58.1
|
|
Banks - Regional
|
4.67B
|
50.0
Composite
|
$75.11
|
Profitability
62.7
|
|
Banks - Regional
|
4.66B
|
42.2
Composite
|
$16.61
|
Valuation
71.2
|
|
Banks - Regional
|
4.54B
|
38.7
Composite
|
$20.74
|
Efficiency
85.9
|
|
Banks - Regional
|
4.48B
|
57.0
Composite
|
$81.92
|
Profitability
72.7
|
|
Banks - Regional
|
4.41B
|
50.2
Composite
|
$23.05
|
Valuation
65.1
|
|
Banks - Regional
|
4.35B
|
49.7
Composite
|
$99.60
|
Growth
71.5
|
|
SLM
SLM Corporation
Credit Services
|
4.31B
|
44.5
Composite
|
$22.84
|
Valuation
55.1
|
|
Banks - Regional
|
4.29B
|
39.3
Composite
|
$20.99
|
Growth
46.1
|
|
Credit Services
|
4.19B
|
45.1
Composite
|
$103.68
|
Efficiency
73.4
|
|
Mortgage Finance
|
4.14B
|
48.8
Composite
|
$79.81
|
Growth
75.3
|
|
Banks - Regional
|
4.02B
|
51.3
Composite
|
$59.95
|
Valuation
67.7
|
|
Banks - Regional
|
4.00B
|
44.5
Composite
|
$33.38
|
Valuation
58.1
|
|
Banks - Regional
|
3.92B
|
52.2
Composite
|
$81.40
|
Growth
69.2
|
|
Banks - Regional
|
3.91B
|
47.5
Composite
|
$75.10
|
Growth
56.0
|
|
Banks - Regional
|
3.90B
|
56.7
Composite
|
$25.74
|
Profitability
67.5
|
|
RNST
Renasant Corporation
Banks - Regional
|
3.85B
|
47.6
Composite
|
$42.11
|
Valuation
64.3
|
|
Banks - Regional
|
3.74B
|
56.3
Composite
|
$111.34
|
Profitability
67.7
|
|
Banks - Regional
|
3.71B
|
49.5
Composite
|
$21.05
|
Valuation
67.1
|
|
Banks - Regional
|
3.54B
|
47.1
Composite
|
$36.71
|
Valuation
59.0
|
|
BKU
BankUnited, Inc.
Banks - Regional
|
3.53B
|
39.2
Composite
|
$48.50
|
Valuation
58.4
|
|
WSBC
WesBanco, Inc.
Banks - Regional
|
3.49B
|
55.3
Composite
|
$36.70
|
Growth
77.2
|
|
Banks - Regional
|
3.45B
|
52.2
Composite
|
$28.34
|
Efficiency
62.8
|
|
Banks - Regional
|
3.35B
|
43.7
Composite
|
$31.94
|
Growth
58.7
|
|
Banks - Regional
|
3.34B
|
46.6
Composite
|
$63.50
|
Valuation
64.7
|
|
Banks - Regional
|
3.30B
|
41.0
Composite
|
$24.72
|
Growth
56.1
|
|
Mortgage Finance
|
3.28B
|
40.0
Composite
|
$2.05
|
Valuation
54.8
|
|
Banks - Regional
|
3.22B
|
37.9
Composite
|
$22.17
|
Efficiency
71.9
|
|
Banks - Regional
|
3.21B
|
52.5
Composite
|
$151.25
|
Growth
68.6
|
|
Banks - Regional
|
3.19B
|
54.3
Composite
|
$176.55
|
Valuation
63.1
|
|
TOWN
Towne Bank
Banks - Regional
|
3.17B
|
47.0
Composite
|
$35.00
|
Valuation
62.1
|
|
Banks - Regional
|
3.14B
|
45.6
Composite
|
$79.18
|
Growth
67.4
|
|
Banks - Regional
|
3.12B
|
38.7
Composite
|
$20.21
|
Growth
52.9
|
|
Banks - Regional
|
3.10B
|
44.5
Composite
|
$24.66
|
Growth
56.1
|
|
Banks - Regional
|
3.00B
|
46.4
Composite
|
$31.17
|
Valuation
69.5
|
|
Credit Services
|
3.00B
|
43.8
Composite
|
$31.32
|
Growth
69.5
|
|
Banks - Regional
|
2.77B
|
45.2
Composite
|
$53.82
|
Growth
73.0
|
|
WAFD
WaFd, Inc.
Banks - Regional
|
2.70B
|
37.9
Composite
|
$36.80
|
Valuation
70.7
|
|
Banks - Regional
|
2.64B
|
44.3
Composite
|
$45.10
|
Growth
58.0
|
|
Banks - Regional
|
2.60B
|
41.5
Composite
|
$41.19
|
Valuation
48.9
|
|
Banks - Regional
|
2.58B
|
45.9
Composite
|
$76.19
|
Growth
73.9
|
|
FBNC
First Bancorp
Banks - Regional
|
2.52B
|
48.1
Composite
|
$60.80
|
Efficiency
74.7
|
|
NBTB
NBT Bancorp Inc.
Banks - Regional
|
2.46B
|
42.5
Composite
|
$47.29
|
Growth
63.0
|
|
Banks - Regional
|
2.41B
|
48.1
Composite
|
$28.52
|
Growth
68.7
|
|
INTR
Inter & Co. Inc.
Banks - Regional
|
2.38B
|
46.8
Composite
|
$5.39
|
Growth
84.7
|
|
TBBK
The Bancorp, Inc.
Banks - Regional
|
2.37B
|
51.7
Composite
|
$56.85
|
Profitability
66.0
|
|
Banks - Diversified
|
2.35B
|
53.8
Composite
|
$58.74
|
Valuation
63.8
|
|
MBIN
Merchants Bancorp
Banks - Regional
|
2.27B
|
41.4
Composite
|
$49.50
|
Growth
57.6
|
|
Banks - Regional
|
2.27B
|
46.9
Composite
|
$63.27
|
Growth
68.7
|
|
Banks - Regional
|
2.24B
|
58.6
Composite
|
$60.96
|
Growth
70.7
|
|
BANR
Banner Corporation
Banks - Regional
|
2.23B
|
56.3
Composite
|
$65.54
|
Efficiency
71.4
|
|
Banks - Regional
|
2.22B
|
35.6
Composite
|
$37.98
|
Valuation
53.1
|
|
Banks - Regional
|
2.22B
|
38.1
Composite
|
$19.21
|
Growth
50.3
|
|
Credit Services
|
2.22B
|
44.6
Composite
|
$7.09
|
Valuation
72.4
|
|
Banks - Regional
|
2.16B
|
53.4
Composite
|
$73.35
|
Growth
66.8
|
|
Banks - Regional
|
2.13B
|
43.1
Composite
|
$14.59
|
Valuation
63.5
|
|
Banks - Regional
|
2.08B
|
43.3
Composite
|
$19.78
|
Valuation
69.4
|
|
FCF
First
Banks - Regional
|
2.00B
|
49.3
Composite
|
$19.70
|
Valuation
62.6
|
|
OFG
OFG Bancorp
Banks - Regional
|
1.99B
|
42.3
Composite
|
$47.19
|
Valuation
50.9
|
|
Credit Services
|
1.99B
|
51.6
Composite
|
$183.07
|
Valuation
69.8
|
|
Banks - Regional
|
1.96B
|
45.5
Composite
|
$38.57
|
Valuation
61.9
|
|
EZPW
EZCORP, Inc.
Credit Services
|
1.95B
|
45.8
Composite
|
$31.51
|
Valuation
58.2
|
|
Banks - Regional
|
1.91B
|
40.0
Composite
|
$42.75
|
Valuation
57.8
|
|
Banks - Regional
|
1.87B
|
48.1
Composite
|
$77.82
|
Growth
63.0
|
|
QFIN
Qifu Technology, Inc
Credit Services
|
1.84B
|
58.8
Composite
|
$15.14
|
Efficiency
64.6
|
|
CHCO
City Holding Company
Banks - Regional
|
1.80B
|
52.5
Composite
|
$127.82
|
Growth
63.5
|
|
Banks - Regional
|
1.79B
|
41.4
Composite
|
$38.59
|
Growth
64.4
|
|
Mortgage Finance
|
1.78B
|
57.1
Composite
|
$83.95
|
Valuation
67.5
|
|
Mortgage Finance
|
1.77B
|
37.4
Composite
|
$51.58
|
Efficiency
55.7
|
|
Banks - Regional
|
1.74B
|
47.4
Composite
|
$82.52
|
Efficiency
81.0
|
|
Banks - Regional
|
1.74B
|
39.3
Composite
|
$73.02
|
Efficiency
71.1
|
|
Banks - Regional
|
1.73B
|
43.4
Composite
|
$39.16
|
Growth
67.4
|
|
Banks - Regional
|
1.70B
|
47.0
Composite
|
$45.32
|
Growth
80.9
|
|
STBA
S&T Bancorp, Inc.
Banks - Regional
|
1.70B
|
47.5
Composite
|
$47.31
|
Valuation
63.2
|
|
Banks - Regional
|
1.68B
|
46.2
Composite
|
$36.02
|
Growth
57.7
|
|
RBCAA
Republic Bancorp, Inc.
Banks - Regional
|
1.68B
|
50.7
Composite
|
$85.62
|
Growth
65.0
|
|
HOPE
Hope Bancorp, Inc.
Banks - Regional
|
1.66B
|
38.8
Composite
|
$12.96
|
Valuation
60.5
|
|
Banks - Regional
|
1.64B
|
42.3
Composite
|
$32.70
|
Growth
69.1
|
|
TCBK
TriCo Bancshares
Banks - Regional
|
1.64B
|
51.7
Composite
|
$51.56
|
Valuation
66.1
|
|
Banks - Regional
|
1.61B
|
48.2
Composite
|
$35.48
|
Valuation
60.2
|
|
Banks - Regional
|
1.59B
|
45.3
Composite
|
$142.82
|
Growth
58.8
|
|
QCRH
QCR Holdings, Inc.
Banks - Regional
|
1.57B
|
48.7
Composite
|
$95.01
|
Growth
66.6
|
|
Banks - Regional
|
1.53B
|
42.4
Composite
|
$49.54
|
Efficiency
60.6
|
|
Credit Services
|
1.52B
|
51.8
Composite
|
$140.51
|
Valuation
69.2
|
|
Credit Services
|
1.51B
|
52.3
Composite
|
$99.52
|
Efficiency
74.5
|
|
Banks - Regional
|
1.49B
|
40.5
Composite
|
$60.26
|
Growth
58.4
|
|
Banks - Regional
|
1.37B
|
52.7
Composite
|
$58.13
|
Valuation
69.3
|
|
Banks - Regional
|
1.32B
|
49.4
Composite
|
$44.25
|
Profitability
58.5
|
|
Banks - Regional
|
1.32B
|
56.8
Composite
|
$65.48
|
Growth
85.7
|
|
PEBO
Peoples Bancorp Inc.
Banks - Regional
|
1.31B
|
49.0
Composite
|
$36.60
|
Valuation
73.3
|
|
Banks - Regional
|
1.30B
|
40.2
Composite
|
$90.30
|
Valuation
53.1
|
|
Banks - Regional
|
1.25B
|
45.1
Composite
|
$68.96
|
Valuation
69.0
|
|
Banks - Regional
|
1.23B
|
42.9
Composite
|
$46.08
|
Valuation
53.8
|
|
Banks - Regional
|
1.17B
|
39.1
Composite
|
$42.12
|
Growth
60.0
|
|
Banks - Regional
|
1.17B
|
39.8
Composite
|
$94.52
|
Growth
66.1
|
|
NBN
Northeast Bank
Banks - Regional
|
1.16B
|
39.7
Composite
|
$128.01
|
Growth
54.7
|
|
Banks - Regional
|
1.15B
|
42.6
Composite
|
$28.08
|
Valuation
63.3
|
|
Banks - Regional
|
1.14B
|
48.9
Composite
|
$22.08
|
Efficiency
68.7
|
|
FINV
FinVolution Group
Credit Services
|
1.12B
|
50.6
Composite
|
$4.73
|
Profitability
54.0
|
|
Banks - Regional
|
1.11B
|
52.0
Composite
|
$30.48
|
Valuation
66.4
|
|
Banks - Regional
|
1.09B
|
45.2
Composite
|
$72.06
|
Efficiency
76.5
|
|
Credit Services
|
1.08B
|
30.2
Composite
|
$1.25
|
Efficiency
83.2
|
|
Banks - Regional
|
1.04B
|
39.8
Composite
|
$18.10
|
Valuation
60.6
|
|
Banks - Regional
|
1.04B
|
44.4
Composite
|
$8.19
|
Valuation
71.2
|
|
Banks - Regional
|
1.00B
|
45.1
Composite
|
$33.78
|
Valuation
63.0
|
|
Banks - Regional
|
996.30M
|
31.6
Composite
|
$19.41
|
Efficiency
59.5
|
|
Banks - Regional
|
985.20M
|
56.1
Composite
|
$114.04
|
Growth
77.2
|
|
FSBC
Five Star Bancorp
Banks - Regional
|
979.88M
|
51.9
Composite
|
$45.84
|
Growth
74.0
|
|
Banks - Regional
|
979.03M
|
50.8
Composite
|
$34.16
|
Valuation
70.6
|
|
Banks - Regional
|
961.90M
|
38.0
Composite
|
$46.91
|
Valuation
53.2
|
|
Banks - Regional
|
957.60M
|
48.5
Composite
|
$32.32
|
Growth
69.1
|
|
Banks - Regional
|
947.70M
|
47.9
Composite
|
$29.00
|
Growth
62.8
|
|
AMTB
Amerant Bancorp Inc.
Banks - Regional
|
947.64M
|
35.1
Composite
|
$23.81
|
Growth
59.8
|
|
Banks - Regional
|
935.70M
|
49.3
Composite
|
$36.28
|
Growth
61.8
|
|
Banks - Regional
|
932.10M
|
44.2
Composite
|
$53.96
|
Growth
67.9
|
|
Banks - Regional
|
929.00M
|
52.6
Composite
|
$31.38
|
Efficiency
70.3
|
|
TRST
TrustCo Bank Corp NY
Banks - Regional
|
922.90M
|
47.1
Composite
|
$52.82
|
Valuation
69.5
|
|
Banks - Regional
|
903.50M
|
37.2
Composite
|
$10.32
|
Efficiency
64.9
|
|
Banks - Regional
|
880.50M
|
54.2
Composite
|
$74.04
|
Growth
74.2
|
|
Banks - Regional
|
877.20M
|
53.7
Composite
|
$51.86
|
Growth
78.3
|
|
MPB
Mid Penn Bancorp
Banks - Regional
|
850.10M
|
39.7
Composite
|
$33.41
|
Growth
64.0
|
|
Credit Services
|
843.30M
|
39.2
Composite
|
$181.73
|
Efficiency
82.7
|
|
NBBK
NB Bancorp, Inc.
Banks - Regional
|
842.50M
|
42.3
Composite
|
$20.30
|
Valuation
69.5
|
|
EGBN
Eagle Bancorp, Inc.
Banks - Regional
|
841.70M
|
22.8
Composite
|
$27.82
|
Efficiency
43.7
|
|
Banks - Regional
|
837.30M
|
50.7
Composite
|
$14.25
|
Valuation
74.1
|
|
Banks - Regional
|
828.40M
|
47.9
Composite
|
$13.45
|
Valuation
65.1
|
|
Banks - Regional
|
827.50M
|
50.4
Composite
|
$43.86
|
Efficiency
63.7
|
|
Banks - Regional
|
815.00M
|
47.4
Composite
|
$74.82
|
Valuation
67.0
|
|
Banks - Regional
|
801.40M
|
51.3
Composite
|
$46.86
|
Efficiency
61.2
|
|
Banks - Regional
|
799.50M
|
42.4
Composite
|
$72.58
|
Valuation
60.5
|
|
Banks - Regional
|
791.70M
|
36.0
Composite
|
$44.68
|
Valuation
57.1
|
|
Banks - Regional
|
777.13M
|
45.5
Composite
|
$40.59
|
Growth
59.2
|
|
Banks - Regional
|
768.00M
|
54.0
Composite
|
$39.09
|
Growth
85.0
|
|
SMBK
SmartFinancial, Inc.
Banks - Regional
|
766.70M
|
42.5
Composite
|
$44.84
|
Growth
64.5
|
|
NAVI
Navient Corporation
Credit Services
|
760.30M
|
32.3
Composite
|
$7.87
|
Efficiency
43.0
|
|
Banks - Regional
|
747.83M
|
30.0
Composite
|
$29.76
|
Efficiency
72.7
|
|
Banks - Regional
|
747.10M
|
0.0
Composite
|
$36.55
|
No pillar score
-
|
|
Banks - Regional
|
745.90M
|
45.9
Composite
|
$37.89
|
Growth
66.5
|
|
Banks - Regional
|
738.40M
|
45.6
Composite
|
$22.07
|
Valuation
58.1
|
|
Credit Services
|
722.70M
|
27.7
Composite
|
$12.92
|
Efficiency
47.7
|
|
OPFI
OppFi Inc.
Credit Services
|
713.90M
|
58.4
Composite
|
$8.36
|
Growth
67.5
|
|
Banks - Regional
|
707.00M
|
52.8
Composite
|
$34.19
|
Valuation
63.7
|
|
Banks - Regional
|
688.00M
|
35.7
Composite
|
$31.52
|
Valuation
47.8
|
|
Banks - Regional
|
686.80M
|
49.3
Composite
|
$25.31
|
Growth
70.5
|
|
Mortgage Finance
|
682.26M
|
50.1
Composite
|
$17.38
|
Growth
63.9
|
|
Banks - Regional
|
671.30M
|
43.5
Composite
|
$35.21
|
Growth
59.4
|
|
Banks - Regional
|
645.80M
|
44.9
Composite
|
$39.07
|
Growth
62.8
|
|
Banks - Regional
|
643.44M
|
44.6
Composite
|
$38.78
|
Growth
78.9
|
|
BCAL
California BanCorp
Banks - Regional
|
633.60M
|
47.8
Composite
|
$19.70
|
Growth
70.7
|
|
Banks - Regional
|
623.50M
|
51.4
Composite
|
$285.36
|
Growth
83.9
|
|
Banks - Regional
|
617.29M
|
47.1
Composite
|
$17.89
|
Growth
77.4
|
|
Banks - Regional
|
611.90M
|
24.6
Composite
|
$29.52
|
Efficiency
79.1
|
|
Banks - Regional
|
609.20M
|
44.9
Composite
|
$36.29
|
Valuation
62.8
|
|
VBNK
VersaBank
Banks - Regional
|
607.44M
|
45.3
Composite
|
$18.96
|
Efficiency
82.7
|
|
PRAA
PRA Group, Inc.
Credit Services
|
604.90M
|
28.5
Composite
|
$15.86
|
Efficiency
41.4
|
|
Banks - Regional
|
601.80M
|
36.3
Composite
|
$14.38
|
Efficiency
68.0
|
|
Banks - Regional
|
586.17M
|
48.0
Composite
|
$89.02
|
Growth
70.4
|
|
ACNB
ACNB Corporation
Banks - Regional
|
584.30M
|
51.9
Composite
|
$58.29
|
Growth
72.5
|
|
NRIM
Northrim BanCorp Inc
Banks - Regional
|
560.80M
|
57.1
Composite
|
$25.26
|
Efficiency
76.6
|
|
Banks - Regional
|
557.40M
|
48.2
Composite
|
$26.82
|
Growth
60.3
|
|
KRNY
Kearny Financial
Banks - Regional
|
556.80M
|
37.9
Composite
|
$8.60
|
Valuation
67.9
|
|
UNTY
Unity Bancorp, Inc.
Banks - Regional
|
556.80M
|
52.5
Composite
|
$55.45
|
Growth
79.6
|
|
Banks - Regional
|
555.70M
|
40.2
Composite
|
$19.93
|
Growth
64.7
|
|
Banks - Regional
|
555.50M
|
37.4
Composite
|
$58.75
|
Growth
64.8
|
|
Banks - Regional
|
545.00M
|
50.3
Composite
|
$33.46
|
Growth
78.1
|
|
Banks - Regional
|
524.20M
|
35.4
Composite
|
$15.49
|
Efficiency
52.6
|
|
HBCP
Home Bancorp, Inc.
Banks - Regional
|
520.00M
|
48.4
Composite
|
$66.31
|
Growth
62.1
|
|
BSRR
Sierra Bancorp
Banks - Regional
|
514.10M
|
47.1
Composite
|
$39.31
|
Valuation
69.1
|
|
Banks - Regional
|
505.10M
|
47.9
Composite
|
$60.40
|
Valuation
66.8
|
|
Banks - Regional
|
500.90M
|
41.6
Composite
|
$29.09
|
Valuation
61.3
|
|
Mortgage Finance
|
497.79M
|
31.1
Composite
|
$26.38
|
Growth
54.2
|
|
Banks - Regional
|
484.40M
|
50.0
Composite
|
$36.13
|
Growth
67.9
|
|
Banks - Regional
|
481.80M
|
20.8
Composite
|
$5.90
|
Health
31.1
|
|
Banks - Regional
|
480.40M
|
48.8
Composite
|
$32.08
|
Growth
74.0
|
|
Banks - Regional
|
467.60M
|
46.8
Composite
|
$19.33
|
Growth
67.8
|
|
Banks - Regional
|
448.60M
|
46.0
Composite
|
$56.26
|
Growth
73.9
|
|
Banks - Regional
|
438.20M
|
38.9
Composite
|
$20.71
|
Growth
60.1
|
|
BSVN
Bank7 Corp.
Banks - Regional
|
434.56M
|
51.4
Composite
|
$45.65
|
Valuation
62.3
|
|
RBB
RBB Bancorp
Banks - Regional
|
431.90M
|
43.4
Composite
|
$25.50
|
Valuation
66.6
|
|
WTBA
West Bancorporation
Banks - Regional
|
427.60M
|
45.8
Composite
|
$25.11
|
Valuation
61.7
|
|
Banks - Regional
|
418.70M
|
36.9
Composite
|
$25.86
|
Efficiency
67.8
|
|
Banks - Regional
|
417.71M
|
37.4
Composite
|
$17.05
|
Valuation
65.4
|
|
FRBA
First Bank
Banks - Regional
|
408.91M
|
41.8
Composite
|
$16.39
|
Valuation
54.5
|
|
Banks - Regional
|
407.70M
|
41.2
Composite
|
$29.56
|
Valuation
67.2
|
|
NEWT
NewtekOne, Inc.
Banks - Regional
|
396.50M
|
46.2
Composite
|
$13.74
|
Growth
54.2
|
|
Banks - Regional
|
394.60M
|
44.5
Composite
|
$28.66
|
Valuation
62.9
|
|
PLBC
Plumas Bancorp
Banks - Regional
|
388.80M
|
54.0
Composite
|
$55.80
|
Growth
81.0
|
|
Banks - Regional
|
386.10M
|
41.3
Composite
|
$21.55
|
Valuation
61.0
|
|
Banks - Regional
|
382.70M
|
37.3
Composite
|
$15.48
|
Valuation
48.3
|
|
PCB
PCB Bancorp
Banks - Regional
|
379.80M
|
45.9
Composite
|
$26.68
|
Growth
62.9
|
|
LDI
loanDepot, Inc.
Mortgage Finance
|
375.00M
|
29.7
Composite
|
$1.11
|
Growth
46.0
|
|
PKBK
Parke Bancorp, Inc.
Banks - Regional
|
373.70M
|
52.2
Composite
|
$31.89
|
Growth
67.1
|
|
Banks - Regional
|
373.50M
|
49.5
Composite
|
$33.12
|
Valuation
63.6
|
|
Credit Services
|
370.00M
|
31.7
Composite
|
$3.13
|
Growth
55.6
|
|
Banks - Regional
|
358.50M
|
48.0
Composite
|
$25.95
|
Profitability
57.2
|
|
MVBF
MVB Financial Corp.
Banks - Regional
|
356.70M
|
30.7
Composite
|
$27.76
|
Valuation
53.9
|
|
Banks - Regional
|
354.68M
|
46.2
Composite
|
$19.42
|
Valuation
69.8
|
|
Banks - Regional
|
345.50M
|
43.8
Composite
|
$19.14
|
Valuation
58.9
|
|
BCML
BayCom Corp
Banks - Regional
|
344.50M
|
41.9
Composite
|
$31.58
|
Efficiency
62.1
|
|
Banks - Regional
|
344.40M
|
42.3
Composite
|
$71.45
|
Efficiency
80.0
|
|
Credit Services
|
343.90M
|
40.7
Composite
|
$37.35
|
Efficiency
71.6
|
|
Banks - Regional
|
335.60M
|
49.9
Composite
|
$30.82
|
Growth
70.8
|
|
Banks - Regional
|
332.60M
|
43.2
Composite
|
$42.49
|
Valuation
62.6
|
|
Credit Services
|
331.60M
|
47.4
Composite
|
$1.98
|
Growth
56.8
|
|
LNKB
LINKBANCORP, Inc.
Banks - Regional
|
325.59M
|
37.9
Composite
|
$8.69
|
Valuation
66.2
|
|
Banks - Regional
|
324.00M
|
52.1
Composite
|
$67.44
|
Growth
65.1
|
|
Banks - Regional
|
303.60M
|
43.6
Composite
|
$21.51
|
Efficiency
54.3
|
|
FVCB
FVCBankcorp, Inc.
Banks - Regional
|
303.40M
|
43.8
Composite
|
$16.86
|
Efficiency
57.6
|
|
Banks - Regional
|
301.20M
|
34.8
Composite
|
$3.40
|
Valuation
62.2
|
|
Banks - Regional
|
299.50M
|
48.7
Composite
|
$31.87
|
Growth
61.0
|
|
Banks - Regional
|
297.22M
|
28.2
Composite
|
$30.41
|
Growth
50.7
|
|
ONIT
Onity Group Inc.
Mortgage Finance
|
290.10M
|
44.4
Composite
|
$34.41
|
Growth
51.8
|
|
Banks - Regional
|
282.10M
|
50.2
Composite
|
$48.60
|
Growth
69.5
|
|
Banks - Regional
|
278.70M
|
50.1
Composite
|
$62.04
|
Growth
81.8
|
|
Banks - Regional
|
278.70M
|
44.9
Composite
|
$33.13
|
Profitability
51.4
|
|
FUNC
First
Banks - Regional
|
274.50M
|
41.0
Composite
|
$42.25
|
Growth
56.0
|
|
Banks - Regional
|
273.90M
|
39.4
Composite
|
$13.61
|
Valuation
65.8
|
|
Banks - Regional
|
272.30M
|
41.9
Composite
|
$33.67
|
Valuation
70.9
|
|
Banks - Regional
|
265.40M
|
46.8
Composite
|
$29.35
|
Growth
68.1
|
|
BLFY
Blue Foundry Bancorp
Banks - Regional
|
265.12M
|
25.4
Composite
|
$13.24
|
Efficiency
52.6
|
|
Banks - Regional
|
263.90M
|
49.7
Composite
|
$29.80
|
Growth
63.3
|
|
Banks - Regional
|
263.30M
|
47.5
Composite
|
$38.18
|
Growth
64.7
|
|
Banks - Regional
|
261.20M
|
43.3
Composite
|
$36.94
|
Valuation
64.4
|
|
Banks - Regional
|
255.00M
|
41.2
Composite
|
$75.73
|
Growth
72.0
|
|
Credit Services
|
246.99M
|
47.1
Composite
|
$5.40
|
Efficiency
71.4
|
|
Mortgage Finance
|
245.80M
|
48.0
Composite
|
$9.44
|
Efficiency
59.0
|
|
Banks - Regional
|
243.44M
|
50.6
Composite
|
$37.10
|
Growth
64.5
|
|
LCNB
LCNB Corporation
Banks - Regional
|
242.50M
|
48.0
Composite
|
$17.02
|
Efficiency
73.8
|
|
Banks - Regional
|
242.40M
|
51.1
Composite
|
$43.51
|
Valuation
66.1
|
|
Banks - Regional
|
234.30M
|
51.5
Composite
|
$42.90
|
Growth
63.8
|
|
MRBK
Meridian Corporation
Banks - Regional
|
228.10M
|
39.7
Composite
|
$19.18
|
Growth
54.0
|
|
Credit Services
|
227.61M
|
48.4
Composite
|
$5.36
|
Efficiency
75.4
|
|
FSBW
FS Bancorp, Inc.
Banks - Regional
|
226.30M
|
41.8
Composite
|
$41.80
|
Growth
58.8
|
|
Banks - Regional
|
224.80M
|
48.9
Composite
|
$35.72
|
Valuation
71.9
|
|
Banks - Regional
|
224.20M
|
42.9
Composite
|
$47.59
|
Valuation
60.7
|
|
Credit Services
|
223.70M
|
46.0
Composite
|
$9.38
|
Efficiency
62.4
|
|
Banks - Regional
|
222.50M
|
19.8
Composite
|
$25.53
|
Valuation
30.2
|
|
OPBK
OP Bancorp
Banks - Regional
|
214.60M
|
42.6
Composite
|
$14.41
|
Growth
58.8
|
|
FBLA
FB Bancorp, Inc.
Banks - Regional
|
213.84M
|
33.0
Composite
|
$14.53
|
Valuation
62.8
|
|
Banks - Regional
|
213.40M
|
39.0
Composite
|
$22.13
|
Valuation
60.0
|
|
FCAP
First Capital, Inc.
Banks - Regional
|
210.80M
|
48.6
Composite
|
$63.00
|
Growth
72.4
|
|
PMTS
CPI Card Group Inc.
Credit Services
|
209.30M
|
36.6
Composite
|
$18.24
|
Valuation
46.5
|
|
Credit Services
|
206.80M
|
42.5
Composite
|
$9.53
|
Efficiency
86.0
|
|
CFBK
CF Bankshares Inc.
Banks - Regional
|
195.60M
|
41.3
Composite
|
$30.10
|
Growth
61.4
|
|
FINW
FinWise Bancorp
Banks - Regional
|
192.71M
|
32.6
Composite
|
$14.06
|
Growth
57.7
|
|
Banks - Regional
|
191.29M
|
41.4
Composite
|
$16.70
|
Growth
67.3
|
|
Banks - Regional
|
184.80M
|
44.6
Composite
|
$23.20
|
Efficiency
72.4
|
|
XYF
X Financial
Credit Services
|
182.95M
|
52.4
Composite
|
$4.75
|
Growth
66.2
|
|
Banks - Regional
|
180.20M
|
25.7
Composite
|
$10.38
|
Efficiency
62.4
|
|
Banks - Regional
|
179.30M
|
35.8
Composite
|
$35.35
|
Efficiency
76.8
|
|
Credit Services
|
178.90M
|
35.1
Composite
|
$20.12
|
Growth
50.1
|
|
Banks - Regional
|
178.80M
|
53.4
Composite
|
$29.32
|
Growth
72.7
|
|
Banks - Regional
|
177.90M
|
43.6
Composite
|
$10.51
|
Valuation
69.2
|
|
BVFL
BV Financial, Inc.
Banks - Regional
|
177.30M
|
48.7
Composite
|
$20.48
|
Efficiency
68.1
|
|
ECBK
ECB Bancorp, Inc.
Banks - Regional
|
175.17M
|
41.3
Composite
|
$20.01
|
Growth
72.4
|
|
Banks - Regional
|
171.10M
|
19.8
Composite
|
$10.39
|
Efficiency
36.1
|
|
Banks - Regional
|
169.80M
|
37.1
Composite
|
$24.11
|
Valuation
61.4
|
|
Banks - Regional
|
163.89M
|
32.8
Composite
|
$22.90
|
Valuation
63.7
|
|
Banks - Regional
|
149.50M
|
24.1
Composite
|
$12.00
|
Valuation
99.5
|
|
FNWD
Finward Bancorp
Banks - Regional
|
148.00M
|
36.4
Composite
|
$34.44
|
Valuation
60.2
|
|
SRBK
SR Bancorp, Inc.
Banks - Regional
|
147.88M
|
38.7
Composite
|
$19.13
|
Efficiency
73.0
|
|
Banks - Regional
|
144.50M
|
46.8
Composite
|
$23.03
|
Efficiency
66.8
|
|
Banks - Regional
|
142.66M
|
44.6
Composite
|
$14.72
|
Valuation
58.2
|
|
Banks - Regional
|
137.30M
|
46.5
Composite
|
$22.52
|
Efficiency
59.8
|
|
Banks - Regional
|
133.90M
|
40.7
Composite
|
$17.03
|
Efficiency
54.2
|
|
Mortgage Finance
|
133.40M
|
32.2
Composite
|
$5.66
|
Efficiency
71.4
|
|
Banks - Regional
|
125.90M
|
20.9
Composite
|
$1.07
|
Growth
39.6
|
|
MGYR
Magyar Bancorp, Inc.
Banks - Regional
|
114.80M
|
41.7
Composite
|
$17.76
|
Valuation
65.5
|
|
Banks - Regional
|
114.17M
|
36.0
Composite
|
$9.13
|
Valuation
69.7
|
|
Banks - Regional
|
113.20M
|
27.7
Composite
|
$5.58
|
Valuation
56.2
|
|
Banks - Regional
|
112.50M
|
40.6
Composite
|
$42.99
|
Growth
59.1
|
|
Banks - Regional
|
110.90M
|
42.8
Composite
|
$24.40
|
Growth
59.5
|
|
Banks - Regional
|
110.40M
|
48.1
Composite
|
$23.92
|
Growth
63.2
|
|
Banks - Regional
|
105.80M
|
38.9
Composite
|
$16.92
|
Valuation
71.8
|
|
Credit Services
|
103.70M
|
0.0
Composite
|
$27.95
|
No pillar score
-
|
|
Banks - Regional
|
101.40M
|
24.5
Composite
|
$16.20
|
Efficiency
54.0
|
|
Credit Services
|
99.60M
|
39.2
Composite
|
$1.14
|
Efficiency
62.8
|
|
Banks - Regional
|
96.50M
|
24.1
Composite
|
$10.16
|
Efficiency
61.4
|
|
IROQ
IF Bancorp, Inc.
Banks - Regional
|
92.97M
|
38.6
Composite
|
$26.55
|
Valuation
71.9
|
|
UBCP
United Bancorp, Inc.
Banks - Regional
|
92.50M
|
42.2
Composite
|
$16.00
|
Valuation
59.8
|
|
Banks - Regional
|
91.90M
|
19.2
Composite
|
$9.58
|
Efficiency
50.7
|
|
SSBI
Summit State Bank
Banks - Regional
|
91.25M
|
32.5
Composite
|
$13.55
|
Efficiency
55.7
|
|
Banks - Regional
|
90.20M
|
35.9
Composite
|
$16.20
|
Efficiency
50.2
|
|
Banks - Regional
|
87.50M
|
45.6
Composite
|
$25.05
|
Efficiency
55.1
|
|
Banks - Regional
|
83.71M
|
36.8
Composite
|
$15.90
|
Growth
67.7
|
|
Banks - Regional
|
73.43M
|
27.3
Composite
|
$16.85
|
Efficiency
50.9
|
|
Banks - Regional
|
72.61M
|
47.3
Composite
|
$18.69
|
Efficiency
82.2
|
|
Mortgage Finance
|
72.40M
|
51.3
Composite
|
$17.80
|
Profitability
59.7
|
|
Banks - Regional
|
70.70M
|
43.6
Composite
|
$5.76
|
Growth
71.9
|
|
NSTS
NSTS Bancorp, Inc.
Banks - Regional
|
67.54M
|
36.7
Composite
|
$13.74
|
Efficiency
83.4
|
|
Banks - Regional
|
66.73M
|
41.9
Composite
|
$16.47
|
Growth
57.7
|
|
Banks - Regional
|
63.80M
|
34.2
Composite
|
$3.76
|
Valuation
65.1
|
|
Banks - Regional
|
61.70M
|
39.8
Composite
|
$20.20
|
Efficiency
64.5
|
|
Banks - Regional
|
55.77M
|
36.5
Composite
|
$17.30
|
Efficiency
72.3
|
|
Mortgage Finance
|
52.09M
|
34.2
Composite
|
$3.09
|
Efficiency
77.5
|
|
Banks - Regional
|
46.64M
|
37.1
Composite
|
$17.27
|
Growth
61.6
|
|
Banks - Regional
|
40.40M
|
26.9
Composite
|
$5.00
|
Growth
59.8
|
|
Banks - Regional
|
34.35M
|
26.3
Composite
|
$15.08
|
Efficiency
75.2
|
|
Credit Services
|
29.94M
|
27.2
Composite
|
$4.35
|
Health
44.8
|
|
Mortgage Finance
|
25.83M
|
25.6
Composite
|
$0.99
|
Growth
44.1
|
|
Banks - Regional
|
20.21M
|
28.8
Composite
|
$4.92
|
Efficiency
94.1
|
|
Credit Services
|
14.50M
|
27.3
Composite
|
$0.96
|
Efficiency
53.8
|
|
GLBZ
Glen Burnie Bancorp
Banks - Regional
|
13.28M
|
21.9
Composite
|
$4.50
|
Efficiency
45.0
|
|
CARV
Carver Bancorp, Inc.
Banks - Regional
|
7.51M
|
15.1
Composite
|
$1.45
|
Efficiency
41.2
|
|
Credit Services
|
6.30M
|
24.3
Composite
|
$1.38
|
Efficiency
49.2
|
|
Credit Services
|
6.23M
|
21.2
Composite
|
$2.22
|
Health
41.2
|
|
Credit Services
|
3.40M
|
20.3
Composite
|
$0.20
|
Efficiency
38.5
|
|
Credit Services
|
1.78M
|
22.8
Composite
|
$0.55
|
Efficiency
36.4
|
|
SHFS
SHF Holdings, Inc.
Banks - Regional
|
1.61M
|
28.0
Composite
|
$0.25
|
Efficiency
43.4
|
|
Banks - Diversified
|
-
|
47.6
Composite
|
$1,248.30
|
Efficiency
56.8
|
|
Credit Services
|
-
|
46.9
Composite
|
$24.11
|
Efficiency
73.5
|
|
Banks - Regional
|
-
|
51.8
Composite
|
$16.14
|
Valuation
98.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Mortgage Finance
|
-
|
32.3
Composite
|
$0.30
|
Growth
64.0
|
|
Banks - Regional
|
-
|
38.6
Composite
|
$19.83
|
Growth
73.2
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
CFSB
CFSB Bancorp, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
44.4
Composite
|
$24.75
|
Valuation
74.5
|
|
Banks - Regional
|
-
|
44.1
Composite
|
$25.00
|
Valuation
94.5
|
|
Banks - Regional
|
-
|
45.8
Composite
|
-
|
Efficiency
73.1
|
|
Banks - Regional
|
-
|
42.7
Composite
|
$18.40
|
Valuation
100.0
|
|
Credit Services
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
31.7
Composite
|
-
|
Valuation
99.3
|
|
Banks - Regional
|
-
|
47.3
Composite
|
$19.92
|
Growth
57.0
|
|
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
|
-
|
46.5
Composite
|
$18.33
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
48.1
Composite
|
$23.77
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
37.5
Composite
|
$20.25
|
Growth
41.0
|
|
Banks - Regional
|
-
|
24.1
Composite
|
-
|
Health
33.2
|
|
Banks - Regional
|
-
|
17.8
Composite
|
$20.00
|
Efficiency
36.8
|
|
Banks - Regional
|
-
|
43.8
Composite
|
$25.12
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
47.0
Composite
|
$33.98
|
Efficiency
68.2
|
|
Banks - Regional
|
-
|
44.6
Composite
|
$18.28
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Mortgage Finance
|
-
|
51.2
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
26.4
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
54.9
Composite
|
-
|
Efficiency
90.8
|
|
HMST
HomeStreet, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
49.5
Composite
|
$16.08
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
47.3
Composite
|
$20.59
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
48.0
Composite
|
$25.26
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
37.4
Composite
|
$25.10
|
Valuation
98.3
|
|
Banks - Regional
|
-
|
51.7
Composite
|
-
|
Valuation
79.3
|
|
Banks - Regional
|
-
|
37.4
Composite
|
$25.24
|
Valuation
90.5
|
|
Banks - Regional
|
-
|
39.9
Composite
|
$20.28
|
Valuation
90.5
|
|
Banks - Regional
|
-
|
27.6
Composite
|
$25.30
|
Efficiency
75.2
|
|
Banks - Regional
|
-
|
40.7
Composite
|
$49.31
|
Valuation
62.2
|
|
Mortgage Finance
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
31.2
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
48.2
Composite
|
$24.91
|
Valuation
95.1
|
|
Banks - Regional
|
-
|
47.8
Composite
|
$24.91
|
Valuation
90.2
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
PBBK
PB Bankshares, Inc.
Banks - Regional
|
-
|
42.7
Composite
|
$19.81
|
Efficiency
65.1
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
50.1
Composite
|
$25.02
|
Efficiency
75.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
29.6
Composite
|
-
|
Efficiency
54.3
|
|
QD
Qudian Inc.
Credit Services
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
28.8
Composite
|
-
|
Growth
51.7
|
|
SHFSW
SHF Holdings, Inc.
Banks - Regional
|
-
|
40.1
Composite
|
$0.03
|
Profitability
43.7
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
27.4
Composite
|
-
|
Growth
46.3
|
|
Banks - Regional
|
-
|
49.5
Composite
|
$50.05
|
Valuation
71.5
|
|
Banks - Regional
|
-
|
46.5
Composite
|
-
|
Valuation
100.0
|
|
TCBC
TC Bancshares, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
35.2
Composite
|
$9.99
|
Profitability
44.7
|
|
Banks - Regional
|
-
|
22.9
Composite
|
-
|
Efficiency
46.7
|
|
Banks - Regional
|
-
|
43.9
Composite
|
$20.40
|
Growth
69.4
|
|
Banks - Regional
|
-
|
20.2
Composite
|
-
|
Growth
26.4
|
|
Banks - Regional
|
-
|
27.5
Composite
|
$22.25
|
Efficiency
65.6
|
|
Banks - Regional
|
-
|
57.8
Composite
|
-
|
Growth
80.0
|
|
Banks - Regional
|
-
|
29.5
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
36.3
Composite
|
$16.58
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
50.3
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
41.0
Composite
|
-
|
Growth
69.8
|
|
Banks - Regional
|
-
|
41.0
Composite
|
-
|
Growth
69.8
|
|
Banks - Regional
|
-
|
49.3
Composite
|
$18.63
|
Valuation
92.6
|
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.