Scaling without slippage
Revenue up 85.7% YoY while gross margin expanded +6.7pp YoY to 96.9%
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 up 85.7% YoY while gross margin expanded +6.7pp YoY to 96.9%
Revenue up 288.0% YoY while gross margin expanded +76.2pp YoY to 76.9%
Revenue growing +65.7% YoY vs OpEx +5.9% - 59.8pp operating leverage (OpMargin: 31.6%)
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 496 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
|
888.27B
|
45.4
Composite
|
$334.49
|
Growth
62.5
|
|
Banks - Diversified
|
341.01B
|
49.4
Composite
|
$49.42
|
Efficiency
73.9
|
|
Banks - Diversified
|
328.47B
|
43.0
Composite
|
$22.95
|
Growth
61.9
|
|
Banks - Diversified
|
324.83B
|
43.0
Composite
|
$21.52
|
Growth
61.9
|
|
HSBC
HSBC Holdings, plc.
Banks - Diversified
|
298.28B
|
50.4
Composite
|
$87.06
|
Valuation
66.5
|
|
Banks - Diversified
|
278.52B
|
53.5
Composite
|
$201.16
|
Valuation
71.9
|
|
Banks - Diversified
|
261.81B
|
48.4
Composite
|
$17.73
|
Efficiency
82.2
|
|
Banks - Diversified
|
260.75B
|
48.4
Composite
|
$17.88
|
Efficiency
82.2
|
|
Banks - Diversified
|
253.32B
|
48.4
Composite
|
$21.75
|
Efficiency
82.2
|
|
Banks - Diversified
|
251.98B
|
45.6
Composite
|
$83.94
|
Growth
60.1
|
|
Banks - Diversified
|
250.88B
|
46.4
Composite
|
$20.97
|
Growth
70.4
|
|
Banks - Diversified
|
250.32B
|
48.4
Composite
|
$21.64
|
Efficiency
82.2
|
|
Banks - Diversified
|
241.87B
|
48.4
Composite
|
$18.32
|
Efficiency
82.2
|
|
Banks - Diversified
|
230.73B
|
48.4
Composite
|
$17.36
|
Efficiency
82.2
|
|
Banks - Diversified
|
227.25B
|
48.4
Composite
|
$19.24
|
Efficiency
82.2
|
|
Credit Services
|
215.24B
|
44.4
Composite
|
$320.99
|
Valuation
64.4
|
|
Banks - Diversified
|
200.54B
|
44.4
Composite
|
$122.40
|
Valuation
75.2
|
|
Banks - Diversified
|
197.05B
|
35.2
Composite
|
$119.05
|
Growth
54.6
|
|
Banks - Diversified
|
192.54B
|
43.1
Composite
|
$20.38
|
Valuation
56.6
|
|
Banks - Diversified
|
179.42B
|
43.1
Composite
|
$1,059.89
|
Valuation
56.6
|
|
Banks - Diversified
|
170.96B
|
38.5
Composite
|
$11.74
|
Valuation
49.6
|
|
Banks - Diversified
|
159.66B
|
43.2
Composite
|
$47.78
|
Valuation
64.0
|
|
Banks - Diversified
|
149.78B
|
49.4
Composite
|
$23.31
|
Growth
76.0
|
|
Banks - Diversified
|
143.01B
|
45.3
Composite
|
$25.05
|
Valuation
60.6
|
|
Banks - Regional
|
129.41B
|
53.1
Composite
|
$25.14
|
Valuation
59.8
|
|
Credit Services
|
121.43B
|
46.1
Composite
|
$201.87
|
Growth
59.9
|
|
Banks - Regional
|
121.33B
|
49.3
Composite
|
$33.89
|
Growth
60.0
|
|
BMO
Bank Of Montreal
Banks - Diversified
|
119.03B
|
47.1
Composite
|
$171.13
|
Valuation
68.7
|
|
Banks - Diversified
|
118.17B
|
43.1
Composite
|
$15.54
|
Valuation
56.6
|
|
Banks - Regional
|
117.02B
|
43.0
Composite
|
$9.40
|
Growth
60.8
|
|
Banks - Diversified
|
111.75B
|
44.8
Composite
|
$91.69
|
Valuation
71.4
|
|
Banks - Diversified
|
104.58B
|
52.0
Composite
|
$115.18
|
Valuation
73.4
|
|
Banks - Diversified
|
100.23B
|
44.8
Composite
|
$157.13
|
Valuation
60.9
|
|
USB
U.S. Bancorp
Banks - Regional
|
92.64B
|
48.9
Composite
|
$59.45
|
Efficiency
60.7
|
|
ING
ING Group, N.V.
Banks - Diversified
|
92.36B
|
40.5
Composite
|
$31.82
|
Valuation
58.5
|
|
Banks - Regional
|
89.43B
|
48.6
Composite
|
$225.38
|
Valuation
65.2
|
|
Banks - Regional
|
80.38B
|
49.1
Composite
|
$7.39
|
Efficiency
66.7
|
|
Banks - Regional
|
75.54B
|
52.1
Composite
|
$17.28
|
Efficiency
79.9
|
|
BCS
Barclays PLC
Banks - Diversified
|
75.40B
|
40.8
Composite
|
$22.33
|
Efficiency
57.8
|
|
Banks - Regional
|
74.93B
|
38.9
Composite
|
$5.09
|
Valuation
54.7
|
|
Banks - Regional
|
69.37B
|
52.1
Composite
|
$19.58
|
Efficiency
79.9
|
|
Banks - Regional
|
66.30B
|
47.0
Composite
|
$34.84
|
Efficiency
70.3
|
|
Banks - Regional
|
62.08B
|
47.0
Composite
|
$15.60
|
Valuation
54.1
|
|
Banks - Regional
|
59.18B
|
43.6
Composite
|
$49.38
|
Valuation
60.6
|
|
Banks - Regional
|
58.11B
|
46.5
Composite
|
$12.03
|
Growth
74.0
|
|
FITB
Fifth Third Bancorp
Banks - Regional
|
47.93B
|
53.7
Composite
|
$53.04
|
Valuation
71.9
|
|
Mortgage Finance
|
42.74B
|
48.1
Composite
|
$15.06
|
Growth
77.5
|
|
Banks - Regional
|
40.11B
|
47.6
Composite
|
$111.20
|
Efficiency
59.5
|
|
BAP
Credicorp Ltd.
Banks - Regional
|
32.84B
|
55.2
Composite
|
$347.93
|
Valuation
61.9
|
|
Banks - Regional
|
31.23B
|
50.0
Composite
|
$217.75
|
Efficiency
63.6
|
|
Banks - Regional
|
31.18B
|
52.8
Composite
|
$15.47
|
Valuation
67.2
|
|
Banks - Regional
|
30.31B
|
44.3
Composite
|
$63.52
|
Valuation
55.4
|
|
Banks - Regional
|
26.87B
|
34.9
Composite
|
$2.54
|
Valuation
44.8
|
|
Banks - Regional
|
26.51B
|
45.0
Composite
|
$63.24
|
Valuation
59.5
|
|
BBDO
Banco Bradesco Sa
Banks - Regional
|
26.17B
|
35.2
Composite
|
$2.40
|
Valuation
45.0
|
|
Banks - Regional
|
25.68B
|
44.7
Composite
|
$2,273.74
|
Efficiency
52.1
|
|
FNMA
Fannie Mae
Mortgage Finance
|
25.42B
|
49.0
Composite
|
$4.43
|
Growth
65.2
|
|
Banks - Regional
|
24.06B
|
44.5
Composite
|
$28.31
|
Valuation
58.9
|
|
Credit Services
|
22.96B
|
41.8
Composite
|
$73.74
|
Valuation
47.2
|
|
Banks - Regional
|
22.23B
|
42.2
Composite
|
$18.15
|
Efficiency
51.7
|
|
KEY
KeyCorp
Banks - Regional
|
22.02B
|
42.8
Composite
|
$20.85
|
Valuation
65.8
|
|
CIB
BanColombia S.A.
Banks - Regional
|
22.01B
|
42.7
Composite
|
$92.37
|
Valuation
49.5
|
|
Credit Services
|
21.04B
|
39.7
Composite
|
$16.21
|
Growth
66.1
|
|
BCH
Banco De Chile
Banks - Regional
|
19.53B
|
41.9
Composite
|
$38.66
|
Valuation
51.9
|
|
Banks - Regional
|
17.72B
|
39.2
Composite
|
$25.59
|
Growth
59.2
|
|
Banks - Regional
|
17.65B
|
50.2
Composite
|
$128.84
|
Valuation
60.5
|
|
Banks - Regional
|
17.47B
|
46.0
Composite
|
$4.64
|
Efficiency
50.7
|
|
Banks - Regional
|
17.10B
|
40.4
Composite
|
$19.22
|
Valuation
71.5
|
|
Banks - Regional
|
16.90B
|
39.2
Composite
|
$69.06
|
Valuation
52.5
|
|
Banks - Regional
|
15.23B
|
54.4
Composite
|
$32.33
|
Growth
60.6
|
|
Banks - Regional
|
15.15B
|
46.2
Composite
|
$100.64
|
Valuation
65.5
|
|
Banks - Regional
|
14.92B
|
40.4
Composite
|
$25.10
|
Valuation
71.5
|
|
Banks - Regional
|
14.06B
|
40.4
Composite
|
$19.32
|
Valuation
71.5
|
|
Banks - Regional
|
13.56B
|
44.0
Composite
|
$23.58
|
Valuation
69.8
|
|
FMCC
Freddie Mac
Mortgage Finance
|
12.79B
|
46.7
Composite
|
$3.97
|
Growth
54.6
|
|
Banks - Regional
|
12.36B
|
49.1
Composite
|
$77.57
|
Efficiency
58.6
|
|
ALLY
Ally Financial Inc.
Credit Services
|
11.45B
|
41.4
Composite
|
$38.17
|
Valuation
56.5
|
|
Banks - Regional
|
11.33B
|
38.1
Composite
|
$88.67
|
Valuation
56.9
|
|
Banks - Regional
|
10.92B
|
49.0
Composite
|
$23.04
|
Efficiency
72.6
|
|
Banks - Regional
|
10.21B
|
44.5
Composite
|
$151.27
|
Valuation
50.7
|
|
Banks - Regional
|
10.16B
|
49.5
Composite
|
$133.77
|
Efficiency
57.7
|
|
Banks - Regional
|
10.07B
|
46.1
Composite
|
$104.11
|
Valuation
58.0
|
|
BPOP
Popular, Inc.
Banks - Regional
|
9.98B
|
44.6
Composite
|
$156.52
|
Valuation
50.3
|
|
Banks - Regional
|
9.65B
|
42.4
Composite
|
$155.23
|
Valuation
57.2
|
|
Banks - Regional
|
9.43B
|
49.6
Composite
|
$24.93
|
Valuation
59.7
|
|
Banks - Regional
|
9.39B
|
49.4
Composite
|
$64.76
|
Growth
67.6
|
|
Banks - Regional
|
8.64B
|
54.9
Composite
|
$71.87
|
Valuation
64.9
|
|
Banks - Regional
|
8.42B
|
49.4
Composite
|
$30.48
|
Valuation
63.2
|
|
Banks - Regional
|
8.13B
|
34.9
Composite
|
$75.55
|
Growth
41.5
|
|
CADE
Cadence Bank
Banks - Regional
|
7.98B
|
47.0
Composite
|
$42.11
|
Valuation
60.6
|
|
Credit Services
|
7.96B
|
45.6
Composite
|
$185.67
|
Valuation
56.9
|
|
Banks - Regional
|
7.89B
|
45.1
Composite
|
$55.04
|
Valuation
58.5
|
|
Banks - Regional
|
7.87B
|
48.5
Composite
|
$129.48
|
Efficiency
64.3
|
|
Banks - Regional
|
7.74B
|
43.1
Composite
|
$14.08
|
Valuation
62.3
|
|
Banks - Regional
|
6.57B
|
48.2
Composite
|
$48.22
|
Valuation
58.7
|
|
Credit Services
|
6.42B
|
47.6
Composite
|
$56.09
|
Efficiency
60.0
|
|
Banks - Regional
|
6.28B
|
46.9
Composite
|
$17.90
|
Valuation
59.5
|
|
Banks - Regional
|
6.27B
|
50.5
Composite
|
$48.16
|
Valuation
71.5
|
|
Banks - Regional
|
5.97B
|
47.2
Composite
|
$29.86
|
Valuation
64.3
|
|
Banks - Regional
|
5.68B
|
46.2
Composite
|
$71.48
|
Valuation
59.0
|
|
Banks - Regional
|
5.64B
|
47.4
Composite
|
$30.36
|
Valuation
62.2
|
|
OZK
Bank OZK
Banks - Regional
|
5.52B
|
44.8
Composite
|
$50.64
|
Valuation
53.0
|
|
Banks - Regional
|
5.51B
|
48.3
Composite
|
$39.34
|
Valuation
62.6
|
|
ABCB
Ameris Bancorp
Banks - Regional
|
5.47B
|
37.9
Composite
|
$81.79
|
Valuation
56.7
|
|
Credit Services
|
5.37B
|
44.2
Composite
|
$529.56
|
Valuation
50.1
|
|
Banks - Regional
|
5.26B
|
51.2
Composite
|
$92.67
|
Profitability
79.6
|
|
Banks - Regional
|
5.22B
|
52.8
Composite
|
$46.59
|
Efficiency
78.6
|
|
Banks - Regional
|
5.12B
|
45.6
Composite
|
$4.31
|
Valuation
52.6
|
|
Banks - Regional
|
5.11B
|
36.8
Composite
|
$29.44
|
Growth
49.8
|
|
SEZL
Sezzle Inc.
Credit Services
|
5.05B
|
59.9
Composite
|
$149.43
|
Growth
72.9
|
|
Banks - Regional
|
5.00B
|
48.0
Composite
|
$22.84
|
Valuation
69.0
|
|
Credit Services
|
4.87B
|
23.7
Composite
|
$68.50
|
Profitability
27.8
|
|
NNI
Nelnet, Inc.
Credit Services
|
4.59B
|
41.6
Composite
|
$130.53
|
Valuation
62.5
|
|
Banks - Regional
|
4.58B
|
45.0
Composite
|
$16.43
|
Valuation
72.8
|
|
Banks - Regional
|
4.54B
|
43.5
Composite
|
$23.76
|
Valuation
59.9
|
|
Banks - Regional
|
4.49B
|
48.7
Composite
|
$41.08
|
Valuation
60.4
|
|
Banks - Regional
|
4.42B
|
46.0
Composite
|
$36.99
|
Valuation
58.6
|
|
Banks - Regional
|
4.37B
|
37.4
Composite
|
$10.52
|
Efficiency
66.9
|
|
Banks - Regional
|
4.36B
|
48.7
Composite
|
$30.41
|
Valuation
69.1
|
|
Banks - Regional
|
4.29B
|
42.5
Composite
|
$101.03
|
Efficiency
59.5
|
|
Banks - Regional
|
4.28B
|
46.1
Composite
|
$64.22
|
Efficiency
60.5
|
|
Credit Services
|
4.22B
|
48.9
Composite
|
$172.48
|
Growth
69.8
|
|
Banks - Regional
|
4.20B
|
37.8
Composite
|
$67.60
|
Valuation
48.4
|
|
Banks - Regional
|
4.00B
|
54.2
Composite
|
$22.74
|
Efficiency
68.6
|
|
BMA
Banco Macro S.A.
Banks - Regional
|
4.00B
|
37.6
Composite
|
$57.76
|
Growth
45.9
|
|
Banks - Regional
|
3.99B
|
38.7
Composite
|
$78.94
|
Valuation
47.5
|
|
Banks - Regional
|
3.98B
|
48.9
Composite
|
$84.10
|
Valuation
66.4
|
|
Banks - Regional
|
3.97B
|
44.5
Composite
|
$26.00
|
Valuation
56.5
|
|
Banks - Regional
|
3.87B
|
45.8
Composite
|
$115.20
|
Valuation
55.2
|
|
Credit Services
|
3.87B
|
42.7
Composite
|
$101.83
|
Efficiency
63.0
|
|
WSBC
WesBanco, Inc.
Banks - Regional
|
3.70B
|
47.4
Composite
|
$38.59
|
Valuation
64.2
|
|
Banks - Regional
|
3.60B
|
51.5
Composite
|
$173.12
|
Growth
81.4
|
|
RNST
Renasant Corporation
Banks - Regional
|
3.55B
|
42.4
Composite
|
$39.39
|
Valuation
53.8
|
|
Banks - Regional
|
3.50B
|
42.2
Composite
|
$37.80
|
Valuation
55.8
|
|
Banks - Regional
|
3.42B
|
43.3
Composite
|
$32.57
|
Valuation
60.1
|
|
Mortgage Finance
|
3.41B
|
40.6
Composite
|
$65.59
|
Efficiency
52.7
|
|
Banks - Regional
|
3.41B
|
44.1
Composite
|
$64.74
|
Valuation
60.9
|
|
Banks - Regional
|
3.37B
|
41.2
Composite
|
$23.34
|
Efficiency
70.1
|
|
TOWN
Towne Bank
Banks - Regional
|
3.36B
|
41.3
Composite
|
$36.39
|
Valuation
59.6
|
|
Banks - Regional
|
3.30B
|
40.9
Composite
|
$24.15
|
Valuation
75.8
|
|
Banks - Regional
|
3.20B
|
44.9
Composite
|
$33.54
|
Valuation
71.6
|
|
Banks - Regional
|
3.20B
|
52.0
Composite
|
$176.95
|
Valuation
70.8
|
|
BKU
BankUnited, Inc.
Banks - Regional
|
3.14B
|
39.7
Composite
|
$44.02
|
Valuation
58.2
|
|
SLM
SLM Corporation
Credit Services
|
3.10B
|
27.2
Composite
|
$16.94
|
Valuation
36.5
|
|
Banks - Regional
|
3.10B
|
41.3
Composite
|
$24.93
|
Valuation
75.8
|
|
Banks - Regional
|
3.04B
|
42.7
Composite
|
$24.98
|
Valuation
56.2
|
|
Banks - Regional
|
2.99B
|
40.2
Composite
|
$11.11
|
Valuation
57.1
|
|
Banks - Regional
|
2.86B
|
39.4
Composite
|
$84.73
|
Efficiency
49.4
|
|
Banks - Regional
|
2.85B
|
33.2
Composite
|
$17.98
|
Efficiency
65.9
|
|
NBTB
NBT Bancorp Inc.
Banks - Regional
|
2.75B
|
45.9
Composite
|
$52.83
|
Efficiency
59.1
|
|
Banks - Regional
|
2.73B
|
48.3
Composite
|
$69.64
|
Efficiency
60.9
|
|
FBNC
First Bancorp
Banks - Regional
|
2.67B
|
47.7
Composite
|
$64.60
|
Efficiency
64.9
|
|
Banks - Regional
|
2.66B
|
47.8
Composite
|
$54.17
|
Growth
67.8
|
|
Banks - Regional
|
2.58B
|
42.8
Composite
|
$44.64
|
Valuation
52.2
|
|
Banks - Regional
|
2.56B
|
43.5
Composite
|
$40.83
|
Efficiency
65.5
|
|
BANR
Banner Corporation
Banks - Regional
|
2.55B
|
40.7
Composite
|
$70.09
|
Valuation
56.9
|
|
Banks - Regional
|
2.46B
|
49.6
Composite
|
$79.26
|
Valuation
65.8
|
|
Mortgage Finance
|
2.44B
|
40.4
Composite
|
$1.52
|
Health
51.1
|
|
Mortgage Finance
|
2.38B
|
44.0
Composite
|
$114.14
|
Growth
50.9
|
|
MBIN
Merchants Bancorp
Banks - Regional
|
2.38B
|
46.6
Composite
|
$51.76
|
Efficiency
64.3
|
|
Banks - Regional
|
2.36B
|
43.0
Composite
|
$28.63
|
Valuation
60.0
|
|
Banks - Regional
|
2.23B
|
42.8
Composite
|
$15.24
|
Valuation
69.5
|
|
Banks - Regional
|
2.21B
|
45.0
Composite
|
$62.05
|
Efficiency
60.7
|
|
WAFD
WaFd, Inc.
Banks - Regional
|
2.18B
|
42.2
Composite
|
$29.43
|
Valuation
58.9
|
|
Banks - Regional
|
2.17B
|
32.5
Composite
|
$18.56
|
Growth
40.3
|
|
Banks - Diversified
|
2.17B
|
49.4
Composite
|
$54.74
|
Valuation
60.1
|
|
Credit Services
|
2.17B
|
38.7
Composite
|
$21.89
|
Growth
68.8
|
|
Banks - Regional
|
2.16B
|
37.8
Composite
|
$10.60
|
Growth
64.7
|
|
OFG
OFG Bancorp
Banks - Regional
|
2.15B
|
42.7
Composite
|
$50.82
|
Valuation
47.4
|
|
FCF
First
Banks - Regional
|
2.11B
|
41.0
Composite
|
$20.91
|
Valuation
58.6
|
|
Banks - Regional
|
2.09B
|
47.2
Composite
|
$86.94
|
Efficiency
53.6
|
|
Banks - Regional
|
2.07B
|
29.4
Composite
|
$36.40
|
Efficiency
41.4
|
|
Banks - Regional
|
2.02B
|
39.7
Composite
|
$39.69
|
Valuation
58.2
|
|
CHCO
City Holding Company
Banks - Regional
|
1.99B
|
50.1
Composite
|
$141.49
|
Valuation
65.9
|
|
Credit Services
|
1.97B
|
49.0
Composite
|
$125.03
|
Valuation
64.8
|
|
TBBK
The Bancorp, Inc.
Banks - Regional
|
1.97B
|
41.4
Composite
|
$48.25
|
Profitability
51.7
|
|
Credit Services
|
1.96B
|
50.1
Composite
|
$180.20
|
Valuation
65.2
|
|
Banks - Regional
|
1.88B
|
50.3
Composite
|
$50.08
|
Efficiency
64.0
|
|
Banks - Regional
|
1.87B
|
39.0
Composite
|
$38.91
|
Valuation
55.2
|
|
Banks - Regional
|
1.86B
|
42.4
Composite
|
$49.88
|
Valuation
54.1
|
|
Banks - Regional
|
1.85B
|
39.9
Composite
|
$42.21
|
Efficiency
51.6
|
|
STBA
S&T Bancorp, Inc.
Banks - Regional
|
1.79B
|
47.1
Composite
|
$50.78
|
Valuation
61.0
|
|
RBCAA
Republic Bancorp, Inc.
Banks - Regional
|
1.78B
|
39.2
Composite
|
$90.91
|
Valuation
59.5
|
|
EZPW
EZCORP, Inc.
Credit Services
|
1.75B
|
43.5
Composite
|
$28.55
|
Growth
55.6
|
|
Banks - Regional
|
1.75B
|
34.0
Composite
|
$18.13
|
Valuation
51.8
|
|
Banks - Regional
|
1.72B
|
40.9
Composite
|
$38.12
|
Valuation
51.9
|
|
INTR
Inter & Co. Inc.
Banks - Regional
|
1.70B
|
37.3
Composite
|
$3.86
|
Growth
57.4
|
|
HOPE
Hope Bancorp, Inc.
Banks - Regional
|
1.68B
|
42.0
Composite
|
$13.18
|
Efficiency
59.1
|
|
TCBK
TriCo Bancshares
Banks - Regional
|
1.67B
|
44.6
Composite
|
$52.17
|
Valuation
60.1
|
|
QCRH
QCR Holdings, Inc.
Banks - Regional
|
1.64B
|
44.6
Composite
|
$100.85
|
Efficiency
62.3
|
|
Banks - Regional
|
1.64B
|
41.3
Composite
|
$53.24
|
Growth
54.9
|
|
Banks - Regional
|
1.64B
|
50.5
Composite
|
$147.89
|
Growth
74.0
|
|
Banks - Regional
|
1.63B
|
44.6
Composite
|
$32.42
|
Valuation
60.9
|
|
Banks - Regional
|
1.63B
|
48.1
Composite
|
$36.91
|
Efficiency
74.8
|
|
Banks - Regional
|
1.58B
|
40.5
Composite
|
$76.26
|
Efficiency
59.6
|
|
Banks - Regional
|
1.57B
|
34.3
Composite
|
$33.92
|
Growth
44.6
|
|
Banks - Regional
|
1.54B
|
49.8
Composite
|
$129.15
|
Growth
58.8
|
|
Banks - Regional
|
1.51B
|
44.0
Composite
|
$61.15
|
Valuation
65.7
|
|
Banks - Regional
|
1.47B
|
40.5
Composite
|
$49.56
|
Growth
48.7
|
|
Banks - Regional
|
1.46B
|
35.6
Composite
|
$61.23
|
Efficiency
64.0
|
|
Banks - Regional
|
1.43B
|
42.5
Composite
|
$99.44
|
Valuation
58.5
|
|
Banks - Regional
|
1.41B
|
37.6
Composite
|
$69.88
|
Valuation
51.0
|
|
PEBO
Peoples Bancorp Inc.
Banks - Regional
|
1.39B
|
44.8
Composite
|
$38.60
|
Efficiency
78.9
|
|
Credit Services
|
1.38B
|
52.5
Composite
|
$91.23
|
Growth
70.9
|
|
Banks - Regional
|
1.38B
|
45.0
Composite
|
$59.84
|
Valuation
56.7
|
|
Mortgage Finance
|
1.35B
|
41.4
Composite
|
$39.05
|
Efficiency
60.0
|
|
Banks - Regional
|
1.35B
|
43.3
Composite
|
$50.61
|
Valuation
56.1
|
|
Banks - Regional
|
1.35B
|
47.9
Composite
|
$37.00
|
Growth
65.5
|
|
Banks - Regional
|
1.26B
|
47.4
Composite
|
$69.11
|
Efficiency
60.5
|
|
Banks - Regional
|
1.24B
|
46.0
Composite
|
$24.40
|
Growth
56.7
|
|
Banks - Regional
|
1.18B
|
32.7
Composite
|
$95.47
|
Valuation
49.2
|
|
AMTB
Amerant Bancorp Inc.
Banks - Regional
|
1.15B
|
36.4
Composite
|
$29.60
|
Efficiency
70.8
|
|
Banks - Regional
|
1.15B
|
46.7
Composite
|
$28.39
|
Valuation
66.3
|
|
NBN
Northeast Bank
Banks - Regional
|
1.14B
|
46.5
Composite
|
$126.29
|
Profitability
68.9
|
|
Banks - Regional
|
1.10B
|
40.2
Composite
|
$40.47
|
Valuation
54.7
|
|
FSBC
Five Star Bancorp
Banks - Regional
|
1.08B
|
46.3
Composite
|
$44.11
|
Growth
62.7
|
|
Banks - Regional
|
1.06B
|
39.4
Composite
|
$20.81
|
Efficiency
47.5
|
|
Banks - Regional
|
1.06B
|
46.0
Composite
|
$35.78
|
Growth
65.8
|
|
Banks - Regional
|
1.06B
|
44.7
Composite
|
$8.43
|
Valuation
64.7
|
|
Banks - Regional
|
1.05B
|
44.1
Composite
|
$60.57
|
Valuation
60.4
|
|
Banks - Regional
|
1.04B
|
45.2
Composite
|
$32.20
|
Growth
58.8
|
|
Banks - Regional
|
1.04B
|
49.1
Composite
|
$36.05
|
Valuation
65.2
|
|
EGBN
Eagle Bancorp, Inc.
Banks - Regional
|
1.03B
|
29.9
Composite
|
$33.81
|
Efficiency
77.0
|
|
Banks - Regional
|
1.01B
|
44.6
Composite
|
$34.08
|
Valuation
64.4
|
|
Banks - Regional
|
1.00B
|
44.5
Composite
|
$48.71
|
Growth
66.8
|
|
Banks - Regional
|
980.42M
|
48.1
Composite
|
$58.02
|
Efficiency
65.3
|
|
Banks - Regional
|
974.50M
|
43.1
Composite
|
$38.30
|
Efficiency
63.4
|
|
Banks - Regional
|
968.90M
|
38.4
Composite
|
$32.68
|
Valuation
55.0
|
|
TRST
TrustCo Bank Corp NY
Banks - Regional
|
962.70M
|
42.4
Composite
|
$57.30
|
Valuation
56.5
|
|
Banks - Regional
|
913.60M
|
52.0
Composite
|
$15.42
|
Valuation
71.2
|
|
Banks - Regional
|
906.64M
|
44.0
Composite
|
$76.24
|
Valuation
59.5
|
|
NBBK
NB Bancorp, Inc.
Banks - Regional
|
902.85M
|
38.9
Composite
|
$22.09
|
Growth
71.3
|
|
MPB
Mid Penn Bancorp
Banks - Regional
|
873.10M
|
44.1
Composite
|
$34.46
|
Growth
64.1
|
|
Banks - Regional
|
868.31M
|
38.6
Composite
|
$80.76
|
Valuation
61.0
|
|
Banks - Regional
|
861.96M
|
46.6
Composite
|
$43.82
|
Valuation
57.0
|
|
Banks - Regional
|
861.09M
|
42.1
Composite
|
$50.31
|
Valuation
58.8
|
|
Banks - Regional
|
860.30M
|
51.2
Composite
|
$45.48
|
Efficiency
58.1
|
|
Banks - Regional
|
836.60M
|
40.8
Composite
|
$33.81
|
Valuation
55.6
|
|
Banks - Regional
|
828.40M
|
48.6
Composite
|
$13.45
|
Valuation
55.6
|
|
SMBK
SmartFinancial, Inc.
Banks - Regional
|
816.10M
|
40.6
Composite
|
$47.73
|
Efficiency
54.1
|
|
Banks - Regional
|
813.70M
|
40.1
Composite
|
$45.90
|
Efficiency
76.2
|
|
Credit Services
|
809.49M
|
33.2
Composite
|
$9.34
|
Efficiency
45.0
|
|
Banks - Regional
|
806.10M
|
42.9
Composite
|
$36.31
|
Valuation
59.0
|
|
Banks - Regional
|
800.08M
|
46.2
Composite
|
$42.45
|
Efficiency
65.0
|
|
Banks - Regional
|
782.90M
|
45.3
Composite
|
$39.73
|
Efficiency
61.2
|
|
NAVI
Navient Corporation
Credit Services
|
780.65M
|
36.9
Composite
|
$8.42
|
Valuation
52.4
|
|
Banks - Regional
|
774.68M
|
52.6
Composite
|
$70.46
|
Profitability
71.0
|
|
VBNK
VersaBank
Banks - Regional
|
747.61M
|
38.3
Composite
|
$22.95
|
Growth
59.7
|
|
Banks - Regional
|
747.10M
|
0.0
Composite
|
$36.55
|
No pillar score
-
|
|
Banks - Regional
|
746.40M
|
38.2
Composite
|
$22.45
|
Valuation
49.3
|
|
Banks - Regional
|
737.38M
|
42.5
Composite
|
$38.62
|
Efficiency
66.5
|
|
Banks - Regional
|
712.60M
|
40.1
Composite
|
$38.47
|
Valuation
58.3
|
|
Banks - Regional
|
704.60M
|
42.6
Composite
|
$25.97
|
Efficiency
64.1
|
|
BCAL
California BanCorp
Banks - Regional
|
700.60M
|
39.9
Composite
|
$21.79
|
Valuation
50.4
|
|
Credit Services
|
697.50M
|
33.5
Composite
|
$12.24
|
Growth
55.7
|
|
Mortgage Finance
|
696.06M
|
46.9
Composite
|
$17.63
|
Valuation
58.7
|
|
Credit Services
|
695.20M
|
43.9
Composite
|
$149.08
|
Efficiency
73.0
|
|
Banks - Regional
|
690.60M
|
35.8
Composite
|
$42.39
|
Valuation
41.8
|
|
Banks - Regional
|
687.58M
|
47.9
Composite
|
$41.01
|
Efficiency
63.6
|
|
FINV
FinVolution Group
Credit Services
|
684.20M
|
44.3
Composite
|
$2.94
|
Health
52.9
|
|
Banks - Regional
|
681.78M
|
44.0
Composite
|
$103.55
|
Efficiency
53.1
|
|
QFIN
Qifu Technology, Inc
Credit Services
|
678.43M
|
51.5
Composite
|
$5.58
|
Health
57.0
|
|
ACNB
ACNB Corporation
Banks - Regional
|
666.50M
|
44.6
Composite
|
$65.54
|
Valuation
62.5
|
|
Banks - Regional
|
659.90M
|
39.8
Composite
|
$31.72
|
Efficiency
64.7
|
|
Banks - Regional
|
653.00M
|
32.8
Composite
|
$42.72
|
Efficiency
73.0
|
|
Banks - Regional
|
652.97M
|
46.7
Composite
|
$296.94
|
Growth
74.4
|
|
Banks - Regional
|
646.36M
|
45.0
Composite
|
$38.69
|
Growth
63.9
|
|
Banks - Regional
|
635.90M
|
40.6
Composite
|
$28.69
|
Valuation
57.9
|
|
Banks - Regional
|
617.82M
|
46.6
Composite
|
$74.18
|
Efficiency
72.7
|
|
Banks - Regional
|
615.20M
|
54.1
Composite
|
$36.13
|
Growth
65.1
|
|
Banks - Regional
|
614.76M
|
42.5
Composite
|
$15.31
|
Valuation
64.3
|
|
Banks - Regional
|
587.39M
|
46.2
Composite
|
$28.36
|
Valuation
59.0
|
|
KRNY
Kearny Financial
Banks - Regional
|
585.00M
|
42.9
Composite
|
$9.01
|
Valuation
62.3
|
|
UNTY
Unity Bancorp, Inc.
Banks - Regional
|
576.09M
|
37.6
Composite
|
$57.22
|
Valuation
55.1
|
|
Banks - Regional
|
568.10M
|
39.8
Composite
|
$20.28
|
Valuation
51.1
|
|
Banks - Regional
|
562.50M
|
44.6
Composite
|
$59.27
|
Valuation
63.2
|
|
Banks - Regional
|
559.90M
|
41.8
Composite
|
$70.12
|
Growth
51.4
|
|
BSVN
Bank7 Corp.
Banks - Regional
|
556.20M
|
41.9
Composite
|
$58.39
|
Valuation
49.9
|
|
Banks - Regional
|
548.70M
|
45.1
Composite
|
$36.69
|
Efficiency
69.8
|
|
Banks - Regional
|
545.01M
|
41.4
Composite
|
$15.76
|
Growth
49.2
|
|
BSRR
Sierra Bancorp
Banks - Regional
|
537.10M
|
39.9
Composite
|
$41.42
|
Valuation
61.1
|
|
Banks - Regional
|
529.60M
|
44.9
Composite
|
$39.50
|
Efficiency
63.6
|
|
OPFI
OppFi Inc.
Credit Services
|
525.73M
|
57.3
Composite
|
$6.17
|
Growth
63.8
|
|
Banks - Regional
|
524.90M
|
42.6
Composite
|
$21.70
|
Valuation
50.9
|
|
Banks - Regional
|
524.20M
|
32.0
Composite
|
$15.49
|
Valuation
43.3
|
|
NRIM
Northrim BanCorp Inc
Banks - Regional
|
522.50M
|
47.2
Composite
|
$23.49
|
Efficiency
72.6
|
|
Credit Services
|
521.16M
|
43.2
Composite
|
$11.31
|
Efficiency
62.8
|
|
WTBA
West Bancorporation
Banks - Regional
|
520.35M
|
47.6
Composite
|
$30.53
|
Valuation
61.8
|
|
Banks - Regional
|
501.18M
|
48.1
Composite
|
$27.92
|
Growth
65.4
|
|
Banks - Regional
|
500.20M
|
46.6
Composite
|
$36.35
|
Valuation
59.0
|
|
Banks - Regional
|
498.10M
|
31.1
Composite
|
$5.63
|
Growth
48.0
|
|
FRBA
First Bank
Banks - Regional
|
487.67M
|
38.3
Composite
|
$19.70
|
Efficiency
56.7
|
|
PRAA
PRA Group, Inc.
Credit Services
|
486.40M
|
33.0
Composite
|
$12.92
|
Growth
43.6
|
|
Banks - Regional
|
481.80M
|
20.1
Composite
|
$5.90
|
Efficiency
40.8
|
|
HBCP
Home Bancorp, Inc.
Banks - Regional
|
474.06M
|
38.9
Composite
|
$60.94
|
Valuation
50.1
|
|
Banks - Regional
|
460.60M
|
45.8
Composite
|
$28.44
|
Efficiency
65.2
|
|
Banks - Regional
|
444.17M
|
41.7
Composite
|
$18.35
|
Efficiency
81.9
|
|
RBB
RBB Bancorp
Banks - Regional
|
435.10M
|
42.7
Composite
|
$25.72
|
Efficiency
72.0
|
|
PLBC
Plumas Bancorp
Banks - Regional
|
433.50M
|
49.2
Composite
|
$62.46
|
Growth
70.3
|
|
Banks - Regional
|
429.50M
|
41.7
Composite
|
$20.24
|
Valuation
58.8
|
|
PCB
PCB Bancorp
Banks - Regional
|
421.90M
|
38.5
Composite
|
$30.04
|
Valuation
51.6
|
|
Banks - Regional
|
410.91M
|
39.5
Composite
|
$36.41
|
Valuation
58.8
|
|
Banks - Regional
|
408.60M
|
41.9
Composite
|
$84.75
|
Efficiency
57.8
|
|
Banks - Regional
|
408.20M
|
41.2
Composite
|
$84.87
|
Valuation
55.4
|
|
Banks - Regional
|
399.20M
|
43.3
Composite
|
$29.01
|
Valuation
54.4
|
|
Banks - Regional
|
399.04M
|
45.0
Composite
|
$68.70
|
Efficiency
68.4
|
|
Banks - Regional
|
389.00M
|
45.5
Composite
|
$35.68
|
Growth
63.9
|
|
PKBK
Parke Bancorp, Inc.
Banks - Regional
|
383.70M
|
42.9
Composite
|
$32.62
|
Growth
51.5
|
|
Banks - Regional
|
382.20M
|
43.2
Composite
|
$27.79
|
Valuation
64.0
|
|
Banks - Regional
|
373.24M
|
44.2
Composite
|
$47.96
|
Valuation
52.1
|
|
Credit Services
|
370.00M
|
32.3
Composite
|
$3.14
|
Efficiency
55.7
|
|
Mortgage Finance
|
365.53M
|
33.1
Composite
|
$19.24
|
Efficiency
49.2
|
|
Banks - Regional
|
363.21M
|
45.9
Composite
|
$19.67
|
Efficiency
62.7
|
|
Banks - Regional
|
358.16M
|
36.0
Composite
|
$14.48
|
Growth
63.4
|
|
Banks - Regional
|
357.00M
|
42.3
Composite
|
$19.86
|
Efficiency
61.4
|
|
Banks - Regional
|
353.49M
|
27.5
Composite
|
$3.99
|
Efficiency
64.7
|
|
Banks - Regional
|
341.76M
|
40.9
Composite
|
$105.12
|
Efficiency
77.9
|
|
BCML
BayCom Corp
Banks - Regional
|
340.30M
|
31.7
Composite
|
$31.16
|
Efficiency
53.3
|
|
MVBF
MVB Financial Corp.
Banks - Regional
|
336.90M
|
36.7
Composite
|
$25.91
|
Growth
64.7
|
|
Banks - Regional
|
332.42M
|
52.8
Composite
|
$50.66
|
Growth
83.3
|
|
Banks - Regional
|
327.40M
|
39.8
Composite
|
$23.20
|
Valuation
48.1
|
|
LNKB
LINKBANCORP, Inc.
Banks - Regional
|
325.59M
|
43.9
Composite
|
$8.69
|
Valuation
53.7
|
|
Credit Services
|
324.30M
|
41.2
Composite
|
$36.25
|
Efficiency
70.9
|
|
FSBW
FS Bancorp, Inc.
Banks - Regional
|
323.70M
|
43.1
Composite
|
$43.55
|
Efficiency
75.5
|
|
Banks - Regional
|
310.93M
|
37.1
Composite
|
$69.08
|
Valuation
48.2
|
|
Banks - Regional
|
309.46M
|
43.5
Composite
|
$32.92
|
Growth
56.9
|
|
NEWT
NewtekOne, Inc.
Banks - Regional
|
309.10M
|
38.3
Composite
|
$10.70
|
Valuation
47.0
|
|
Banks - Regional
|
303.50M
|
37.7
Composite
|
$44.54
|
Valuation
59.2
|
|
Banks - Regional
|
300.22M
|
39.9
Composite
|
$33.90
|
Valuation
56.6
|
|
Banks - Regional
|
300.10M
|
36.3
Composite
|
$30.71
|
Efficiency
63.6
|
|
FUNC
First
Banks - Regional
|
296.57M
|
38.1
Composite
|
$45.92
|
Efficiency
50.2
|
|
FVCB
FVCBankcorp, Inc.
Banks - Regional
|
293.06M
|
42.8
Composite
|
$16.25
|
Efficiency
57.7
|
|
Banks - Regional
|
288.70M
|
33.8
Composite
|
$34.32
|
Efficiency
50.8
|
|
Banks - Regional
|
286.58M
|
40.6
Composite
|
$52.80
|
Valuation
55.3
|
|
PMTS
CPI Card Group Inc.
Credit Services
|
283.40M
|
37.9
Composite
|
$24.36
|
Growth
46.4
|
|
Banks - Regional
|
281.99M
|
25.1
Composite
|
$9.17
|
Efficiency
56.0
|
|
Credit Services
|
280.38M
|
34.1
Composite
|
$6.69
|
Valuation
51.3
|
|
LCNB
LCNB Corporation
Banks - Regional
|
279.30M
|
44.4
Composite
|
$19.59
|
Efficiency
57.6
|
|
Banks - Regional
|
275.52M
|
40.1
Composite
|
$30.42
|
Efficiency
54.1
|
|
Banks - Regional
|
274.40M
|
37.5
Composite
|
$13.69
|
Valuation
61.1
|
|
Banks - Regional
|
272.30M
|
43.0
Composite
|
$33.67
|
Valuation
59.6
|
|
Banks - Regional
|
269.75M
|
41.1
Composite
|
$39.09
|
Efficiency
52.5
|
|
BLFY
Blue Foundry Bancorp
Banks - Regional
|
265.12M
|
27.8
Composite
|
$13.24
|
Efficiency
53.3
|
|
Mortgage Finance
|
259.50M
|
42.4
Composite
|
$9.48
|
Health
55.1
|
|
ONIT
Onity Group Inc.
Mortgage Finance
|
253.30M
|
35.9
Composite
|
$31.00
|
Valuation
41.2
|
|
Banks - Regional
|
250.57M
|
38.6
Composite
|
$15.68
|
Valuation
60.4
|
|
Banks - Regional
|
249.48M
|
43.0
Composite
|
$39.19
|
Valuation
58.3
|
|
FBLA
FB Bancorp, Inc.
Banks - Regional
|
244.81M
|
33.6
Composite
|
$16.86
|
Efficiency
94.9
|
|
Banks - Regional
|
236.00M
|
42.2
Composite
|
$41.25
|
Efficiency
60.6
|
|
Credit Services
|
229.40M
|
40.8
Composite
|
$9.99
|
Efficiency
53.7
|
|
Banks - Regional
|
229.00M
|
36.6
Composite
|
$48.61
|
Valuation
52.6
|
|
Banks - Regional
|
225.60M
|
35.5
Composite
|
$23.38
|
Efficiency
70.2
|
|
CFBK
CF Bankshares Inc.
Banks - Regional
|
224.60M
|
38.4
Composite
|
$34.99
|
Valuation
42.0
|
|
Credit Services
|
222.20M
|
42.4
Composite
|
$10.17
|
Efficiency
80.8
|
|
Banks - Regional
|
221.60M
|
31.9
Composite
|
$25.37
|
Efficiency
74.3
|
|
OPBK
OP Bancorp
Banks - Regional
|
220.40M
|
35.4
Composite
|
$14.76
|
Valuation
45.3
|
|
LDI
loanDepot, Inc.
Mortgage Finance
|
216.39M
|
39.4
Composite
|
$0.64
|
Efficiency
71.7
|
|
Banks - Regional
|
212.63M
|
41.4
Composite
|
$8.83
|
Growth
69.4
|
|
FCAP
First Capital, Inc.
Banks - Regional
|
208.50M
|
43.5
Composite
|
$62.35
|
Valuation
51.9
|
|
Banks - Regional
|
206.95M
|
42.8
Composite
|
$40.70
|
Efficiency
68.3
|
|
Banks - Regional
|
203.41M
|
36.9
Composite
|
$13.24
|
Efficiency
67.9
|
|
MRBK
Meridian Corporation
Banks - Regional
|
196.50M
|
30.9
Composite
|
$16.47
|
Valuation
51.2
|
|
Banks - Regional
|
194.20M
|
25.3
Composite
|
$11.74
|
Valuation
38.6
|
|
Banks - Regional
|
193.71M
|
41.5
Composite
|
$31.72
|
Valuation
48.5
|
|
FNWD
Finward Bancorp
Banks - Regional
|
189.43M
|
34.1
Composite
|
$43.74
|
Efficiency
68.4
|
|
FINW
FinWise Bancorp
Banks - Regional
|
188.01M
|
33.0
Composite
|
$13.68
|
Growth
46.7
|
|
ECBK
ECB Bancorp, Inc.
Banks - Regional
|
187.42M
|
47.4
Composite
|
$21.45
|
Efficiency
74.2
|
|
BVFL
BV Financial, Inc.
Banks - Regional
|
184.80M
|
42.4
Composite
|
$21.57
|
Efficiency
60.8
|
|
Banks - Regional
|
177.90M
|
42.2
Composite
|
$10.51
|
Efficiency
57.7
|
|
Banks - Regional
|
177.80M
|
42.6
Composite
|
$28.43
|
Efficiency
69.0
|
|
XYF
X Financial
Credit Services
|
173.60M
|
41.7
Composite
|
$5.75
|
Health
44.9
|
|
Banks - Regional
|
161.10M
|
35.2
Composite
|
$20.55
|
Valuation
51.6
|
|
Banks - Regional
|
154.23M
|
25.9
Composite
|
$5.72
|
Efficiency
52.1
|
|
Banks - Regional
|
154.20M
|
37.2
Composite
|
$22.11
|
Efficiency
57.4
|
|
Banks - Regional
|
154.09M
|
36.1
Composite
|
$21.84
|
Efficiency
66.1
|
|
Banks - Regional
|
149.50M
|
24.8
Composite
|
$12.00
|
Valuation
83.6
|
|
Banks - Regional
|
147.10M
|
39.7
Composite
|
$18.85
|
Efficiency
55.5
|
|
MGYR
Magyar Bancorp, Inc.
Banks - Regional
|
141.40M
|
40.4
Composite
|
$21.90
|
Efficiency
51.8
|
|
SRBK
SR Bancorp, Inc.
Banks - Regional
|
138.14M
|
40.2
Composite
|
$18.95
|
Efficiency
73.6
|
|
Banks - Regional
|
138.11M
|
38.8
Composite
|
$23.00
|
Efficiency
71.0
|
|
Banks - Regional
|
122.10M
|
30.5
Composite
|
$6.12
|
Efficiency
50.3
|
|
Credit Services
|
117.44M
|
37.9
Composite
|
$12.74
|
Valuation
46.2
|
|
Banks - Regional
|
116.51M
|
40.4
Composite
|
$9.38
|
Efficiency
70.9
|
|
Banks - Regional
|
115.26M
|
35.1
Composite
|
$45.02
|
Valuation
47.6
|
|
Banks - Regional
|
113.56M
|
45.0
Composite
|
$22.96
|
Efficiency
70.8
|
|
Banks - Regional
|
112.80M
|
41.2
Composite
|
$18.20
|
Valuation
61.0
|
|
Banks - Regional
|
111.04M
|
38.0
Composite
|
$24.44
|
Efficiency
45.5
|
|
Credit Services
|
109.20M
|
43.9
Composite
|
$0.66
|
Growth
49.6
|
|
Banks - Regional
|
107.60M
|
37.4
Composite
|
$11.60
|
Efficiency
68.6
|
|
Banks - Regional
|
104.92M
|
35.4
Composite
|
$16.71
|
Valuation
55.2
|
|
Mortgage Finance
|
104.38M
|
44.7
Composite
|
$4.43
|
Efficiency
57.1
|
|
Banks - Regional
|
99.70M
|
28.1
Composite
|
$0.84
|
Growth
62.4
|
|
Banks - Regional
|
96.10M
|
27.0
Composite
|
$9.93
|
Efficiency
54.6
|
|
IROQ
IF Bancorp, Inc.
Banks - Regional
|
92.97M
|
38.8
Composite
|
$26.55
|
Valuation
61.6
|
|
Banks - Regional
|
92.62M
|
27.8
Composite
|
$17.69
|
Efficiency
64.6
|
|
Banks - Regional
|
90.60M
|
31.5
Composite
|
$16.45
|
Efficiency
39.9
|
|
Credit Services
|
89.90M
|
0.0
Composite
|
$26.62
|
No pillar score
-
|
|
Banks - Regional
|
89.80M
|
38.0
Composite
|
$25.76
|
Valuation
54.3
|
|
Banks - Regional
|
81.70M
|
33.4
Composite
|
$4.81
|
Valuation
48.9
|
|
UBCP
United Bancorp, Inc.
Banks - Regional
|
81.40M
|
34.7
Composite
|
$14.20
|
Valuation
53.2
|
|
Banks - Regional
|
80.87M
|
41.0
Composite
|
$20.80
|
Growth
57.9
|
|
SSBI
Summit State Bank
Banks - Regional
|
76.86M
|
30.6
Composite
|
$11.39
|
Efficiency
73.2
|
|
Mortgage Finance
|
75.30M
|
43.8
Composite
|
$18.52
|
Profitability
53.6
|
|
Banks - Regional
|
75.25M
|
30.4
Composite
|
$17.25
|
Valuation
48.1
|
|
Banks - Regional
|
71.21M
|
36.4
Composite
|
$13.95
|
Efficiency
68.7
|
|
Banks - Regional
|
70.80M
|
40.5
Composite
|
$17.50
|
Efficiency
66.8
|
|
NSTS
NSTS Bancorp, Inc.
Banks - Regional
|
70.13M
|
41.9
Composite
|
$14.26
|
Efficiency
82.2
|
|
Banks - Regional
|
69.70M
|
44.2
Composite
|
$23.00
|
Efficiency
53.2
|
|
Banks - Regional
|
47.95M
|
37.7
Composite
|
$5.93
|
Valuation
56.8
|
|
Banks - Regional
|
46.02M
|
36.9
Composite
|
$17.10
|
Efficiency
52.3
|
|
Banks - Regional
|
34.83M
|
31.0
Composite
|
$16.23
|
Efficiency
70.5
|
|
Mortgage Finance
|
33.72M
|
34.5
Composite
|
$2.00
|
Efficiency
73.0
|
|
Credit Services
|
32.50M
|
34.6
Composite
|
$0.37
|
Efficiency
50.1
|
|
Credit Services
|
25.56M
|
33.4
Composite
|
$3.70
|
Efficiency
44.0
|
|
Mortgage Finance
|
24.77M
|
53.4
Composite
|
$0.76
|
Profitability
71.8
|
|
Credit Services
|
20.96M
|
23.1
Composite
|
$2.00
|
Efficiency
35.6
|
|
Credit Services
|
14.50M
|
29.4
Composite
|
$0.96
|
Efficiency
61.0
|
|
GLBZ
Glen Burnie Bancorp
Banks - Regional
|
12.26M
|
24.2
Composite
|
$4.20
|
Efficiency
44.7
|
|
CARV
Carver Bancorp, Inc.
Banks - Regional
|
10.37M
|
19.3
Composite
|
$1.67
|
Efficiency
47.6
|
|
Credit Services
|
4.57M
|
25.9
Composite
|
$1.63
|
Health
44.8
|
|
Credit Services
|
2.20M
|
20.9
Composite
|
$1.96
|
Efficiency
44.1
|
|
Credit Services
|
831,640
|
36.5
Composite
|
$0.26
|
Valuation
53.8
|
|
SHFS
SHF Holdings, Inc.
Banks - Regional
|
27,030
|
37.1
Composite
|
$0.03
|
Efficiency
45.7
|
|
Banks - Diversified
|
-
|
48.4
Composite
|
$1,144.05
|
Efficiency
82.2
|
|
Credit Services
|
-
|
53.1
Composite
|
$20.41
|
Growth
83.3
|
|
Banks - Regional
|
-
|
44.0
Composite
|
$14.68
|
Valuation
72.3
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Mortgage Finance
|
-
|
32.9
Composite
|
$0.13
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
38.7
Composite
|
$19.15
|
Growth
53.1
|
|
Banks - Regional
|
-
|
0.0
Composite
|
$30.33
|
No pillar score
-
|
|
CFSB
CFSB Bancorp, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
47.4
Composite
|
$25.00
|
Growth
89.2
|
|
Banks - Regional
|
-
|
43.3
Composite
|
$25.48
|
Growth
74.1
|
|
Banks - Regional
|
-
|
41.0
Composite
|
-
|
Efficiency
64.3
|
|
Banks - Regional
|
-
|
43.8
Composite
|
$18.40
|
Growth
87.0
|
|
Credit Services
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
29.1
Composite
|
-
|
Valuation
80.5
|
|
Banks - Regional
|
-
|
45.6
Composite
|
$15.82
|
Valuation
68.8
|
|
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
|
-
|
38.7
Composite
|
$17.95
|
Growth
56.7
|
|
Banks - Regional
|
-
|
39.2
Composite
|
$22.53
|
Growth
59.2
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
41.6
Composite
|
$17.75
|
Efficiency
52.0
|
|
Banks - Regional
|
-
|
29.8
Composite
|
-
|
Valuation
67.3
|
|
Banks - Regional
|
-
|
25.2
Composite
|
$18.31
|
Valuation
77.0
|
|
Banks - Regional
|
-
|
41.3
Composite
|
$24.92
|
Valuation
67.8
|
|
Banks - Regional
|
-
|
50.9
Composite
|
$33.98
|
Efficiency
71.5
|
|
Banks - Regional
|
-
|
43.3
Composite
|
$15.82
|
Valuation
87.3
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Mortgage Finance
|
-
|
53.3
Composite
|
-
|
Valuation
81.8
|
|
Banks - Regional
|
-
|
28.3
Composite
|
-
|
Valuation
73.7
|
|
Banks - Regional
|
-
|
51.3
Composite
|
-
|
Efficiency
79.4
|
|
HMST
HomeStreet, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
49.9
Composite
|
$24.77
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
49.9
Composite
|
$15.01
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
49.9
Composite
|
$19.03
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
34.8
Composite
|
$22.99
|
Valuation
59.5
|
|
Banks - Regional
|
-
|
47.3
Composite
|
-
|
Valuation
68.5
|
|
Banks - Regional
|
-
|
46.8
Composite
|
$25.28
|
Efficiency
64.3
|
|
Banks - Regional
|
-
|
46.8
Composite
|
$18.53
|
Efficiency
64.3
|
|
Banks - Regional
|
-
|
39.2
Composite
|
$24.98
|
Valuation
71.5
|
|
Banks - Regional
|
-
|
37.2
Composite
|
$49.31
|
Efficiency
56.3
|
|
Mortgage Finance
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
29.1
Composite
|
-
|
Valuation
76.0
|
|
Banks - Regional
|
-
|
47.7
Composite
|
$24.82
|
Growth
63.3
|
|
Banks - Regional
|
-
|
47.7
Composite
|
$24.96
|
Growth
63.3
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
PBBK
PB Bankshares, Inc.
Banks - Regional
|
-
|
40.2
Composite
|
$19.81
|
Efficiency
59.7
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
49.5
Composite
|
$25.02
|
Efficiency
72.7
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
28.1
Composite
|
-
|
Efficiency
45.8
|
|
QD
Qudian Inc.
Credit Services
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
28.6
Composite
|
-
|
Growth
35.5
|
|
SHFSW
SHF Holdings, Inc.
Banks - Regional
|
-
|
40.8
Composite
|
$0.01
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
24.6
Composite
|
-
|
Health
41.7
|
|
Banks - Regional
|
-
|
46.1
Composite
|
$50.05
|
Valuation
58.4
|
|
Banks - Regional
|
-
|
45.3
Composite
|
-
|
Valuation
74.1
|
|
TCBC
TC Bancshares, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
32.8
Composite
|
$9.99
|
Growth
40.6
|
|
Banks - Regional
|
-
|
23.7
Composite
|
-
|
Health
43.9
|
|
Banks - Regional
|
-
|
40.9
Composite
|
$17.50
|
Efficiency
59.5
|
|
Banks - Regional
|
-
|
25.2
Composite
|
-
|
Efficiency
31.2
|
|
Banks - Regional
|
-
|
29.1
Composite
|
$22.25
|
Efficiency
67.1
|
|
Banks - Regional
|
-
|
60.3
Composite
|
-
|
Growth
92.2
|
|
Banks - Regional
|
-
|
31.4
Composite
|
-
|
Valuation
78.6
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
41.7
Composite
|
$14.36
|
Valuation
66.7
|
|
Banks - Regional
|
-
|
50.5
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
40.4
Composite
|
-
|
Valuation
71.7
|
|
Banks - Regional
|
-
|
39.7
Composite
|
-
|
Valuation
71.7
|
|
Banks - Regional
|
-
|
49.4
Composite
|
$16.13
|
Growth
69.1
|
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.