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
|
820.65B
|
61.0
Composite
|
$306.27
|
Profitability
76.7
|
|
Credit Services
|
584.95B
|
66.5
Composite
|
$321.28
|
Profitability
90.1
|
|
Credit Services
|
442.62B
|
63.6
Composite
|
$500.94
|
Profitability
84.9
|
|
Banks - Diversified
|
374.35B
|
54.4
Composite
|
$52.75
|
Profitability
69.5
|
|
Banks - Diversified
|
328.47B
|
63.5
Composite
|
$25.09
|
Valuation
97.1
|
|
Banks - Diversified
|
324.83B
|
63.5
Composite
|
$24.31
|
Valuation
97.1
|
|
HSBC
HSBC Holdings, plc.
Banks - Diversified
|
305.62B
|
51.2
Composite
|
$88.97
|
Profitability
58.5
|
|
Banks - Diversified
|
261.81B
|
58.3
Composite
|
$19.39
|
Profitability
70.5
|
|
Banks - Diversified
|
260.75B
|
58.4
Composite
|
$19.36
|
Profitability
70.5
|
|
Banks - Diversified
|
254.40B
|
59.8
Composite
|
$181.35
|
Profitability
70.8
|
|
Banks - Diversified
|
253.32B
|
57.9
Composite
|
$25.04
|
Profitability
70.7
|
|
Banks - Diversified
|
250.32B
|
57.8
Composite
|
$24.96
|
Profitability
70.7
|
|
Banks - Diversified
|
242.24B
|
49.6
Composite
|
$79.16
|
Profitability
64.8
|
|
Banks - Diversified
|
241.87B
|
57.6
Composite
|
$19.68
|
Profitability
70.9
|
|
Banks - Diversified
|
230.73B
|
57.5
Composite
|
$19.35
|
Profitability
70.9
|
|
Banks - Diversified
|
227.25B
|
57.4
Composite
|
$20.32
|
Profitability
71.1
|
|
Banks - Diversified
|
225.82B
|
44.9
Composite
|
$129.09
|
Growth
67.7
|
|
Banks - Diversified
|
221.93B
|
48.1
Composite
|
$18.00
|
Profitability
58.1
|
|
Credit Services
|
217.45B
|
53.7
Composite
|
$318.69
|
Profitability
69.8
|
|
Banks - Diversified
|
192.54B
|
51.4
Composite
|
$23.91
|
Valuation
100.0
|
|
Banks - Diversified
|
186.83B
|
48.2
Composite
|
$12.18
|
Profitability
79.9
|
|
Banks - Diversified
|
183.48B
|
56.3
Composite
|
$107.70
|
Profitability
80.4
|
|
Banks - Diversified
|
179.42B
|
51.4
Composite
|
$1,187.50
|
Valuation
100.0
|
|
Banks - Diversified
|
174.44B
|
46.9
Composite
|
$44.41
|
Profitability
68.5
|
|
Banks - Diversified
|
141.91B
|
55.7
Composite
|
$21.48
|
Profitability
67.3
|
|
Banks - Regional
|
130.62B
|
48.7
Composite
|
$25.67
|
Profitability
64.5
|
|
Banks - Diversified
|
125.40B
|
61.8
Composite
|
$21.87
|
Profitability
90.0
|
|
Credit Services
|
119.78B
|
48.8
Composite
|
$192.59
|
Growth
66.3
|
|
Banks - Diversified
|
118.17B
|
51.4
Composite
|
$17.58
|
Valuation
100.0
|
|
Banks - Regional
|
111.23B
|
43.6
Composite
|
$8.66
|
Profitability
53.9
|
|
BMO
Bank Of Montreal
Banks - Diversified
|
107.68B
|
54.9
Composite
|
$152.48
|
Valuation
62.5
|
|
Banks - Diversified
|
103.98B
|
65.2
Composite
|
$110.51
|
Profitability
88.4
|
|
Banks - Diversified
|
96.27B
|
60.8
Composite
|
$78.09
|
Profitability
81.6
|
|
Banks - Regional
|
95.26B
|
53.6
Composite
|
$26.74
|
Profitability
73.8
|
|
Banks - Diversified
|
91.73B
|
55.0
Composite
|
$133.64
|
Growth
72.9
|
|
Banks - Regional
|
90.20B
|
50.9
Composite
|
$8.18
|
Profitability
80.3
|
|
Banks - Regional
|
88.06B
|
55.1
Composite
|
$219.29
|
Profitability
64.1
|
|
ING
ING Group, N.V.
Banks - Diversified
|
86.19B
|
48.7
Composite
|
$29.78
|
Profitability
69.0
|
|
USB
U.S. Bancorp
Banks - Regional
|
85.86B
|
53.3
Composite
|
$55.31
|
Profitability
60.0
|
|
BCS
Barclays PLC
Banks - Diversified
|
80.74B
|
55.8
Composite
|
$23.29
|
Profitability
73.2
|
|
Banks - Regional
|
77.88B
|
53.5
Composite
|
$5.29
|
Profitability
73.0
|
|
Banks - Regional
|
75.54B
|
59.1
Composite
|
$18.77
|
Valuation
100.0
|
|
Banks - Regional
|
70.31B
|
57.1
Composite
|
$14.26
|
Growth
78.3
|
|
Banks - Regional
|
69.37B
|
59.1
Composite
|
$22.34
|
Valuation
100.0
|
|
Banks - Regional
|
61.97B
|
53.7
Composite
|
$49.74
|
Growth
64.2
|
|
Banks - Regional
|
61.26B
|
62.0
Composite
|
$15.37
|
Profitability
85.1
|
|
Banks - Regional
|
60.93B
|
52.0
Composite
|
$31.48
|
Growth
71.5
|
|
FNMA
Fannie Mae
Mortgage Finance
|
45.91B
|
46.2
Composite
|
$8.00
|
Profitability
55.5
|
|
FITB
Fifth Third Bancorp
Banks - Regional
|
45.02B
|
52.6
Composite
|
$49.67
|
Profitability
63.8
|
|
Mortgage Finance
|
41.31B
|
46.9
Composite
|
$14.15
|
Efficiency
62.9
|
|
Credit Services
|
40.81B
|
52.8
Composite
|
$46.22
|
Profitability
67.8
|
|
Banks - Regional
|
39.76B
|
39.0
Composite
|
$109.79
|
Growth
52.4
|
|
Banks - Regional
|
39.56B
|
35.1
Composite
|
$3.74
|
Growth
54.8
|
|
BBDO
Banco Bradesco Sa
Banks - Regional
|
38.51B
|
46.0
Composite
|
$3.33
|
Growth
65.8
|
|
Banks - Regional
|
32.82B
|
62.2
Composite
|
$16.19
|
Profitability
85.5
|
|
Banks - Regional
|
32.34B
|
52.4
Composite
|
$67.77
|
Profitability
64.6
|
|
Banks - Regional
|
31.20B
|
56.1
Composite
|
$213.02
|
Profitability
71.2
|
|
BAP
Credicorp Ltd.
Banks - Regional
|
30.82B
|
59.1
Composite
|
$321.77
|
Profitability
79.0
|
|
Banks - Regional
|
27.16B
|
51.8
Composite
|
$64.22
|
Profitability
70.8
|
|
Credit Services
|
25.02B
|
50.9
Composite
|
$74.00
|
Profitability
74.2
|
|
KEY
KeyCorp
Banks - Regional
|
24.10B
|
54.1
Composite
|
$21.69
|
Growth
75.2
|
|
FMCC
Freddie Mac
Mortgage Finance
|
23.90B
|
51.8
Composite
|
$7.14
|
Profitability
66.8
|
|
Banks - Regional
|
23.85B
|
56.2
Composite
|
$27.95
|
Profitability
70.5
|
|
Banks - Regional
|
23.32B
|
45.2
Composite
|
$1,953.42
|
Profitability
52.0
|
|
Banks - Regional
|
22.23B
|
44.5
Composite
|
$21.52
|
Profitability
50.0
|
|
Banks - Regional
|
22.22B
|
41.7
Composite
|
$5.80
|
Profitability
49.5
|
|
Credit Services
|
20.89B
|
40.4
Composite
|
$16.00
|
Growth
64.8
|
|
BCH
Banco De Chile
Banks - Regional
|
18.42B
|
51.2
Composite
|
$36.47
|
Profitability
75.9
|
|
Banks - Regional
|
17.72B
|
50.9
Composite
|
$25.43
|
Valuation
100.0
|
|
Banks - Regional
|
17.10B
|
57.2
Composite
|
$21.18
|
Valuation
100.0
|
|
Banks - Regional
|
16.78B
|
56.5
Composite
|
$121.93
|
Profitability
79.3
|
|
Banks - Regional
|
16.72B
|
49.6
Composite
|
$68.33
|
Profitability
67.0
|
|
CIB
BanColombia S.A.
Banks - Regional
|
15.53B
|
42.6
Composite
|
$65.15
|
Profitability
66.3
|
|
Banks - Regional
|
14.92B
|
57.2
Composite
|
$25.09
|
Valuation
100.0
|
|
Banks - Regional
|
14.85B
|
49.6
Composite
|
$30.53
|
Profitability
75.1
|
|
Banks - Regional
|
14.83B
|
52.2
Composite
|
$98.66
|
Profitability
70.7
|
|
Banks - Regional
|
14.06B
|
57.2
Composite
|
$21.33
|
Valuation
100.0
|
|
Banks - Regional
|
13.56B
|
62.2
Composite
|
$24.44
|
Valuation
100.0
|
|
ALLY
Ally Financial Inc.
Credit Services
|
13.42B
|
35.2
Composite
|
$43.79
|
Valuation
46.2
|
|
Banks - Regional
|
11.82B
|
50.1
Composite
|
$24.47
|
Profitability
66.5
|
|
Banks - Regional
|
11.78B
|
53.4
Composite
|
$72.69
|
Growth
70.6
|
|
Banks - Regional
|
10.31B
|
49.0
Composite
|
$151.18
|
Profitability
67.5
|
|
Banks - Regional
|
9.97B
|
49.5
Composite
|
$131.17
|
Growth
80.9
|
|
Credit Services
|
9.92B
|
54.4
Composite
|
$224.89
|
Profitability
66.7
|
|
BPOP
Popular, Inc.
Banks - Regional
|
9.69B
|
50.2
Composite
|
$148.83
|
Profitability
69.2
|
|
Banks - Regional
|
9.51B
|
54.3
Composite
|
$97.36
|
Growth
78.5
|
|
Banks - Regional
|
9.34B
|
53.1
Composite
|
$24.18
|
Growth
73.5
|
|
Banks - Regional
|
9.28B
|
51.5
Composite
|
$62.73
|
Profitability
68.3
|
|
Banks - Regional
|
9.04B
|
43.6
Composite
|
$82.31
|
Profitability
59.2
|
|
Banks - Regional
|
8.84B
|
57.9
Composite
|
$138.56
|
Profitability
81.0
|
|
Banks - Regional
|
8.56B
|
49.1
Composite
|
$29.56
|
Growth
64.4
|
|
Banks - Regional
|
8.11B
|
50.3
Composite
|
$133.45
|
Valuation
58.8
|
|
Banks - Regional
|
7.71B
|
57.8
Composite
|
$52.48
|
Profitability
82.5
|
|
Banks - Regional
|
7.59B
|
46.1
Composite
|
$13.40
|
Profitability
56.4
|
|
Banks - Regional
|
7.39B
|
26.7
Composite
|
$43.24
|
Efficiency
55.8
|
|
Banks - Regional
|
7.05B
|
55.1
Composite
|
$69.42
|
Profitability
74.1
|
|
Banks - Regional
|
6.47B
|
53.3
Composite
|
$48.79
|
Efficiency
55.6
|
|
Credit Services
|
6.43B
|
56.6
Composite
|
$55.69
|
Efficiency
64.2
|
|
Banks - Regional
|
6.38B
|
51.6
Composite
|
$17.92
|
Profitability
60.7
|
|
Banks - Regional
|
6.10B
|
52.1
Composite
|
$43.41
|
Profitability
72.2
|
|
OZK
Bank OZK
Banks - Regional
|
5.97B
|
56.6
Composite
|
$48.33
|
Profitability
79.8
|
|
Banks - Regional
|
5.96B
|
29.9
Composite
|
$14.29
|
Growth
44.8
|
|
ABCB
Ameris Bancorp
Banks - Regional
|
5.92B
|
52.1
Composite
|
$86.33
|
Profitability
77.8
|
|
Banks - Regional
|
5.60B
|
54.3
Composite
|
$68.11
|
Profitability
72.9
|
|
Mortgage Finance
|
5.58B
|
44.6
Composite
|
$3.38
|
Growth
49.1
|
|
Credit Services
|
5.47B
|
51.6
Composite
|
$522.87
|
Profitability
71.2
|
|
Banks - Regional
|
5.44B
|
57.1
Composite
|
$26.84
|
Profitability
82.9
|
|
Banks - Regional
|
5.41B
|
50.1
Composite
|
$37.82
|
Growth
73.0
|
|
Banks - Regional
|
5.40B
|
40.8
Composite
|
$4.48
|
Valuation
49.9
|
|
BMA
Banco Macro S.A.
Banks - Regional
|
5.26B
|
34.8
Composite
|
$74.86
|
Efficiency
45.8
|
|
NNI
Nelnet, Inc.
Credit Services
|
5.04B
|
42.5
Composite
|
$141.36
|
Valuation
53.9
|
|
Banks - Regional
|
5.01B
|
50.5
Composite
|
$44.88
|
Profitability
66.9
|
|
Banks - Regional
|
4.99B
|
54.2
Composite
|
$87.67
|
Profitability
87.0
|
|
Credit Services
|
4.87B
|
44.2
Composite
|
$74.56
|
Profitability
57.0
|
|
Banks - Regional
|
4.72B
|
56.9
Composite
|
$28.47
|
Profitability
77.6
|
|
Banks - Regional
|
4.67B
|
60.7
Composite
|
$32.39
|
Profitability
81.9
|
|
Mortgage Finance
|
4.60B
|
46.2
Composite
|
$88.66
|
Profitability
61.5
|
|
Banks - Regional
|
4.51B
|
57.9
Composite
|
$73.26
|
Profitability
80.8
|
|
Banks - Regional
|
4.44B
|
52.6
Composite
|
$19.96
|
Growth
60.5
|
|
Banks - Regional
|
4.39B
|
58.8
Composite
|
$100.56
|
Profitability
87.6
|
|
Banks - Regional
|
4.35B
|
55.3
Composite
|
$79.39
|
Profitability
79.0
|
|
Credit Services
|
4.29B
|
52.3
Composite
|
$172.50
|
Efficiency
73.1
|
|
SLM
SLM Corporation
Credit Services
|
4.25B
|
48.4
Composite
|
$22.66
|
Profitability
61.6
|
|
Banks - Regional
|
4.22B
|
43.2
Composite
|
$15.05
|
Valuation
72.0
|
|
Banks - Regional
|
4.02B
|
57.5
Composite
|
$33.56
|
Profitability
69.4
|
|
Banks - Regional
|
3.92B
|
51.2
Composite
|
$21.45
|
Profitability
68.5
|
|
Banks - Regional
|
3.85B
|
52.6
Composite
|
$78.23
|
Growth
73.4
|
|
Banks - Regional
|
3.84B
|
62.0
Composite
|
$113.24
|
Profitability
85.6
|
|
RNST
Renasant Corporation
Banks - Regional
|
3.83B
|
51.7
Composite
|
$40.18
|
Growth
71.6
|
|
Banks - Regional
|
3.82B
|
52.1
Composite
|
$56.99
|
Profitability
72.7
|
|
Banks - Regional
|
3.76B
|
58.3
Composite
|
$23.99
|
Profitability
83.7
|
|
Banks - Regional
|
3.75B
|
52.4
Composite
|
$72.06
|
Profitability
74.0
|
|
Banks - Regional
|
3.67B
|
50.5
Composite
|
$36.25
|
Profitability
64.3
|
|
Credit Services
|
3.49B
|
50.2
Composite
|
$86.48
|
Profitability
66.2
|
|
BKU
BankUnited, Inc.
Banks - Regional
|
3.48B
|
45.1
Composite
|
$47.28
|
Valuation
56.7
|
|
INTR
Inter & Co. Inc.
Banks - Regional
|
3.46B
|
49.5
Composite
|
$6.70
|
Growth
82.4
|
|
Banks - Regional
|
3.37B
|
55.9
Composite
|
$63.87
|
Profitability
70.2
|
|
Banks - Regional
|
3.34B
|
53.8
Composite
|
$27.43
|
Profitability
71.8
|
|
WSBC
WesBanco, Inc.
Banks - Regional
|
3.31B
|
55.5
Composite
|
$34.20
|
Growth
77.1
|
|
Banks - Regional
|
3.30B
|
46.2
Composite
|
$25.05
|
Valuation
100.0
|
|
Banks - Regional
|
3.21B
|
54.3
Composite
|
$30.43
|
Profitability
67.0
|
|
Banks - Regional
|
3.16B
|
51.3
Composite
|
$79.87
|
Profitability
64.8
|
|
Banks - Regional
|
3.16B
|
58.1
Composite
|
$146.69
|
Profitability
79.8
|
|
Banks - Regional
|
3.16B
|
62.7
Composite
|
$174.78
|
Profitability
79.6
|
|
TOWN
Towne Bank
Banks - Regional
|
3.14B
|
49.4
Composite
|
$34.83
|
Profitability
55.1
|
|
Banks - Regional
|
3.13B
|
44.5
Composite
|
$15.36
|
Growth
74.7
|
|
Banks - Regional
|
3.13B
|
25.5
Composite
|
$21.36
|
Efficiency
49.4
|
|
Banks - Regional
|
3.10B
|
48.1
Composite
|
$25.25
|
Valuation
100.0
|
|
Banks - Regional
|
3.02B
|
48.0
Composite
|
$31.04
|
Valuation
59.5
|
|
Banks - Regional
|
2.96B
|
45.3
Composite
|
$19.17
|
Growth
53.5
|
|
SEZL
Sezzle Inc.
Credit Services
|
2.89B
|
60.2
Composite
|
$99.82
|
Growth
78.7
|
|
Credit Services
|
2.81B
|
47.2
Composite
|
$9.05
|
Profitability
56.3
|
|
Banks - Regional
|
2.80B
|
57.7
Composite
|
$20.51
|
Profitability
76.9
|
|
Banks - Regional
|
2.80B
|
50.8
Composite
|
$54.01
|
Growth
74.6
|
|
Credit Services
|
2.75B
|
42.9
Composite
|
$29.00
|
Growth
70.5
|
|
Banks - Regional
|
2.67B
|
50.1
Composite
|
$77.91
|
Growth
74.3
|
|
WAFD
WaFd, Inc.
Banks - Regional
|
2.63B
|
45.4
Composite
|
$35.67
|
Valuation
66.7
|
|
Banks - Regional
|
2.63B
|
54.2
Composite
|
$44.92
|
Growth
66.5
|
|
Banks - Regional
|
2.55B
|
46.7
Composite
|
$40.51
|
Profitability
64.3
|
|
TBBK
The Bancorp, Inc.
Banks - Regional
|
2.55B
|
54.7
Composite
|
$59.50
|
Profitability
83.2
|
|
FBNC
First Bancorp
Banks - Regional
|
2.45B
|
55.8
Composite
|
$59.18
|
Efficiency
63.7
|
|
NBTB
NBT Bancorp Inc.
Banks - Regional
|
2.35B
|
53.1
Composite
|
$45.07
|
Profitability
66.8
|
|
Banks - Regional
|
2.29B
|
53.5
Composite
|
$26.59
|
Growth
70.1
|
|
Banks - Diversified
|
2.25B
|
59.5
Composite
|
$56.21
|
Profitability
83.5
|
|
Banks - Regional
|
2.23B
|
49.3
Composite
|
$38.25
|
Profitability
62.0
|
|
BANR
Banner Corporation
Banks - Regional
|
2.23B
|
61.6
Composite
|
$65.58
|
Profitability
77.5
|
|
Banks - Regional
|
2.18B
|
53.5
Composite
|
$59.56
|
Profitability
70.2
|
|
MBIN
Merchants Bancorp
Banks - Regional
|
2.15B
|
45.1
Composite
|
$46.79
|
Profitability
53.5
|
|
Banks - Regional
|
2.13B
|
53.9
Composite
|
$72.26
|
Profitability
74.0
|
|
Banks - Regional
|
2.05B
|
59.1
Composite
|
$54.16
|
Profitability
75.9
|
|
EZPW
EZCORP, Inc.
Credit Services
|
2.02B
|
48.1
Composite
|
$32.88
|
Growth
55.2
|
|
Banks - Regional
|
2.02B
|
42.5
Composite
|
$13.83
|
Valuation
50.7
|
|
Banks - Regional
|
2.01B
|
46.0
Composite
|
$19.31
|
Growth
60.7
|
|
Credit Services
|
1.98B
|
49.4
Composite
|
$182.63
|
Growth
63.5
|
|
OFG
OFG Bancorp
Banks - Regional
|
1.98B
|
53.7
Composite
|
$45.62
|
Profitability
78.8
|
|
Banks - Regional
|
1.97B
|
40.8
Composite
|
$16.69
|
Profitability
57.6
|
|
Banks - Regional
|
1.93B
|
53.3
Composite
|
$42.81
|
Profitability
67.1
|
|
Banks - Regional
|
1.92B
|
49.7
Composite
|
$37.52
|
Efficiency
65.3
|
|
Banks - Regional
|
1.90B
|
57.2
Composite
|
$87.55
|
Efficiency
80.7
|
|
FCF
First
Banks - Regional
|
1.90B
|
52.6
Composite
|
$18.60
|
Profitability
67.2
|
|
Mortgage Finance
|
1.87B
|
44.2
Composite
|
$54.83
|
Profitability
53.1
|
|
Banks - Regional
|
1.77B
|
57.4
Composite
|
$73.66
|
Profitability
79.4
|
|
Mortgage Finance
|
1.76B
|
56.2
Composite
|
$82.22
|
Profitability
70.0
|
|
Credit Services
|
1.75B
|
23.5
Composite
|
$1.95
|
Efficiency
44.3
|
|
Banks - Regional
|
1.75B
|
39.8
Composite
|
$37.63
|
Growth
62.6
|
|
CHCO
City Holding Company
Banks - Regional
|
1.73B
|
60.2
Composite
|
$122.73
|
Profitability
85.9
|
|
Banks - Regional
|
1.72B
|
51.9
Composite
|
$36.86
|
Efficiency
71.6
|
|
Banks - Regional
|
1.66B
|
57.3
Composite
|
$44.08
|
Growth
79.7
|
|
Banks - Regional
|
1.63B
|
46.7
Composite
|
$37.04
|
Growth
63.3
|
|
TCBK
TriCo Bancshares
Banks - Regional
|
1.63B
|
56.1
Composite
|
$50.82
|
Profitability
74.4
|
|
Banks - Regional
|
1.63B
|
52.8
Composite
|
$145.00
|
Profitability
79.0
|
|
STBA
S&T Bancorp, Inc.
Banks - Regional
|
1.63B
|
55.5
Composite
|
$44.53
|
Profitability
70.1
|
|
HOPE
Hope Bancorp, Inc.
Banks - Regional
|
1.62B
|
43.0
Composite
|
$12.52
|
Valuation
49.2
|
|
QFIN
Qifu Technology, Inc
Credit Services
|
1.61B
|
61.7
Composite
|
$13.21
|
Profitability
79.5
|
|
Banks - Regional
|
1.61B
|
46.8
Composite
|
$67.45
|
Efficiency
64.1
|
|
Banks - Regional
|
1.55B
|
50.6
Composite
|
$62.60
|
Profitability
72.9
|
|
QCRH
QCR Holdings, Inc.
Banks - Regional
|
1.54B
|
45.6
Composite
|
$91.46
|
Profitability
64.1
|
|
Banks - Regional
|
1.51B
|
49.6
Composite
|
$33.36
|
Profitability
68.6
|
|
RBCAA
Republic Bancorp, Inc.
Banks - Regional
|
1.51B
|
54.1
Composite
|
$76.82
|
Profitability
69.7
|
|
Banks - Regional
|
1.50B
|
50.9
Composite
|
$29.91
|
Growth
66.7
|
|
Credit Services
|
1.47B
|
45.9
Composite
|
$135.30
|
Valuation
69.4
|
|
Banks - Regional
|
1.46B
|
46.0
Composite
|
$46.64
|
Valuation
54.2
|
|
Banks - Regional
|
1.33B
|
63.1
Composite
|
$54.86
|
Profitability
88.9
|
|
FINV
FinVolution Group
Credit Services
|
1.27B
|
52.7
Composite
|
$5.11
|
Profitability
60.9
|
|
Banks - Regional
|
1.25B
|
50.5
Composite
|
$41.92
|
Profitability
71.4
|
|
Banks - Regional
|
1.23B
|
53.2
Composite
|
$85.75
|
Profitability
67.1
|
|
PEBO
Peoples Bancorp Inc.
Banks - Regional
|
1.23B
|
50.0
Composite
|
$34.28
|
Profitability
57.7
|
|
Banks - Regional
|
1.20B
|
54.1
Composite
|
$66.31
|
Profitability
73.1
|
|
Credit Services
|
1.17B
|
47.6
Composite
|
$78.34
|
Efficiency
69.9
|
|
NBN
Northeast Bank
Banks - Regional
|
1.16B
|
48.6
Composite
|
$125.63
|
Profitability
73.7
|
|
Banks - Regional
|
1.14B
|
47.8
Composite
|
$74.86
|
Efficiency
70.6
|
|
Banks - Regional
|
1.13B
|
52.1
Composite
|
$27.42
|
Profitability
61.5
|
|
Banks - Regional
|
1.11B
|
54.0
Composite
|
$21.08
|
Efficiency
64.0
|
|
Banks - Regional
|
1.10B
|
41.1
Composite
|
$18.88
|
Valuation
60.6
|
|
Banks - Regional
|
1.08B
|
49.2
Composite
|
$38.62
|
Profitability
57.9
|
|
Banks - Regional
|
1.05B
|
44.0
Composite
|
$43.71
|
Valuation
52.4
|
|
Banks - Regional
|
1.03B
|
57.0
Composite
|
$28.39
|
Profitability
79.8
|
|
Banks - Regional
|
1.02B
|
49.0
Composite
|
$7.82
|
Valuation
69.1
|
|
Banks - Regional
|
992.80M
|
48.4
Composite
|
$33.65
|
Valuation
57.6
|
|
Banks - Regional
|
962.70M
|
33.0
Composite
|
$45.79
|
Efficiency
43.9
|
|
Banks - Regional
|
953.80M
|
27.4
Composite
|
$18.56
|
Efficiency
48.2
|
|
Banks - Regional
|
952.70M
|
52.9
Composite
|
$63.48
|
Profitability
75.4
|
|
Banks - Regional
|
941.80M
|
61.2
Composite
|
$107.30
|
Profitability
79.8
|
|
AMTB
Amerant Bancorp Inc.
Banks - Regional
|
930.13M
|
42.1
Composite
|
$23.38
|
Growth
61.3
|
|
Banks - Regional
|
927.44M
|
55.4
Composite
|
$32.48
|
Profitability
70.6
|
|
Banks - Regional
|
916.90M
|
42.5
Composite
|
$30.97
|
Growth
58.5
|
|
Banks - Regional
|
912.00M
|
36.9
Composite
|
$90.15
|
Valuation
43.9
|
|
Banks - Regional
|
909.30M
|
50.2
Composite
|
$30.38
|
Profitability
60.0
|
|
Banks - Regional
|
904.90M
|
50.3
Composite
|
$34.67
|
Profitability
60.4
|
|
Banks - Regional
|
903.50M
|
53.1
Composite
|
$27.58
|
Profitability
62.5
|
|
Banks - Regional
|
901.40M
|
51.7
Composite
|
$52.01
|
Profitability
70.9
|
|
FSBC
Five Star Bancorp
Banks - Regional
|
883.05M
|
55.6
Composite
|
$41.24
|
Profitability
71.2
|
|
TRST
TrustCo Bank Corp NY
Banks - Regional
|
861.10M
|
49.0
Composite
|
$48.43
|
Profitability
64.5
|
|
NBBK
NB Bancorp, Inc.
Banks - Regional
|
855.28M
|
48.5
Composite
|
$20.32
|
Growth
56.6
|
|
Banks - Regional
|
841.45M
|
49.2
Composite
|
$14.18
|
Profitability
54.4
|
|
OPFI
OppFi Inc.
Credit Services
|
830.00M
|
61.2
Composite
|
$9.89
|
Profitability
70.0
|
|
Banks - Regional
|
828.40M
|
49.5
Composite
|
$13.45
|
Profitability
58.0
|
|
NAVI
Navient Corporation
Credit Services
|
826.10M
|
28.5
Composite
|
$8.79
|
Valuation
38.3
|
|
Banks - Regional
|
823.70M
|
54.6
Composite
|
$43.25
|
Profitability
69.3
|
|
Banks - Regional
|
822.90M
|
54.0
Composite
|
$48.62
|
Growth
73.5
|
|
PRAA
PRA Group, Inc.
Credit Services
|
818.70M
|
30.7
Composite
|
$20.88
|
Efficiency
45.0
|
|
Banks - Regional
|
804.80M
|
56.4
Composite
|
$67.68
|
Profitability
77.8
|
|
EGBN
Eagle Bancorp, Inc.
Banks - Regional
|
795.80M
|
20.1
Composite
|
$26.21
|
Valuation
28.8
|
|
Banks - Regional
|
787.85M
|
49.5
Composite
|
$41.10
|
Profitability
67.7
|
|
Banks - Regional
|
783.20M
|
52.4
Composite
|
$46.59
|
Profitability
66.4
|
|
Banks - Regional
|
772.90M
|
49.7
Composite
|
$69.58
|
Profitability
68.3
|
|
Banks - Regional
|
768.50M
|
46.3
Composite
|
$69.76
|
Profitability
58.7
|
|
Mortgage Finance
|
767.83M
|
54.5
Composite
|
$18.29
|
Growth
61.1
|
|
Banks - Regional
|
765.20M
|
38.0
Composite
|
$8.58
|
Profitability
43.1
|
|
MPB
Mid Penn Bancorp
Banks - Regional
|
759.00M
|
47.5
Composite
|
$32.44
|
Growth
64.4
|
|
Banks - Regional
|
748.90M
|
38.6
Composite
|
$42.62
|
Efficiency
59.5
|
|
Credit Services
|
736.00M
|
34.9
Composite
|
$149.53
|
Efficiency
59.0
|
|
Banks - Regional
|
725.10M
|
55.0
Composite
|
$36.92
|
Profitability
74.6
|
|
SMBK
SmartFinancial, Inc.
Banks - Regional
|
722.30M
|
43.4
Composite
|
$42.32
|
Efficiency
53.9
|
|
Credit Services
|
697.90M
|
26.3
Composite
|
$12.64
|
Health
37.7
|
|
Banks - Regional
|
697.10M
|
46.9
Composite
|
$35.41
|
Growth
72.7
|
|
Banks - Regional
|
696.70M
|
50.7
Composite
|
$33.95
|
Profitability
69.4
|
|
Banks - Regional
|
676.21M
|
48.5
Composite
|
$26.91
|
Efficiency
70.8
|
|
Banks - Regional
|
660.80M
|
46.7
Composite
|
$19.76
|
Efficiency
68.1
|
|
Banks - Regional
|
636.16M
|
49.5
Composite
|
$286.91
|
Growth
63.0
|
|
Banks - Regional
|
628.84M
|
48.5
Composite
|
$38.30
|
Growth
79.6
|
|
BCAL
California BanCorp
Banks - Regional
|
616.50M
|
55.5
Composite
|
$19.07
|
Profitability
69.4
|
|
Banks - Regional
|
612.10M
|
48.7
Composite
|
$37.07
|
Profitability
61.1
|
|
Banks - Regional
|
610.20M
|
48.5
Composite
|
$17.69
|
Growth
75.4
|
|
Banks - Regional
|
609.10M
|
40.3
Composite
|
$32.20
|
Growth
59.9
|
|
Banks - Regional
|
605.96M
|
51.4
Composite
|
$92.12
|
Profitability
70.8
|
|
VBNK
VersaBank
Banks - Regional
|
598.85M
|
53.8
Composite
|
$18.66
|
Profitability
78.3
|
|
Banks - Regional
|
586.80M
|
38.9
Composite
|
$14.07
|
Valuation
55.4
|
|
Banks - Regional
|
580.00M
|
35.4
Composite
|
$26.19
|
Efficiency
53.0
|
|
Mortgage Finance
|
576.45M
|
36.5
Composite
|
$30.52
|
Efficiency
52.5
|
|
Banks - Regional
|
576.10M
|
34.5
Composite
|
$28.34
|
Efficiency
79.2
|
|
Banks - Regional
|
572.60M
|
48.1
Composite
|
$34.92
|
Efficiency
54.4
|
|
ACNB
ACNB Corporation
Banks - Regional
|
548.70M
|
58.7
Composite
|
$53.00
|
Growth
76.0
|
|
NRIM
Northrim BanCorp Inc
Banks - Regional
|
548.60M
|
54.1
Composite
|
$24.66
|
Profitability
77.3
|
|
Banks - Regional
|
547.90M
|
41.3
Composite
|
$16.05
|
Growth
61.0
|
|
Banks - Regional
|
538.00M
|
42.5
Composite
|
$56.85
|
Growth
68.2
|
|
UNTY
Unity Bancorp, Inc.
Banks - Regional
|
531.90M
|
55.9
Composite
|
$53.77
|
Profitability
77.7
|
|
KRNY
Kearny Financial
Banks - Regional
|
525.40M
|
39.9
Composite
|
$8.08
|
Valuation
65.2
|
|
Banks - Regional
|
518.00M
|
48.7
Composite
|
$24.98
|
Profitability
56.6
|
|
Banks - Regional
|
514.23M
|
51.0
Composite
|
$31.53
|
Profitability
70.3
|
|
Banks - Regional
|
513.10M
|
39.1
Composite
|
$18.51
|
Growth
58.3
|
|
HBCP
Home Bancorp, Inc.
Banks - Regional
|
505.20M
|
52.0
Composite
|
$65.40
|
Profitability
68.1
|
|
BSRR
Sierra Bancorp
Banks - Regional
|
493.90M
|
47.1
Composite
|
$37.76
|
Profitability
58.0
|
|
Banks - Regional
|
481.80M
|
20.8
Composite
|
$5.90
|
Efficiency
35.5
|
|
Banks - Regional
|
474.30M
|
48.0
Composite
|
$56.72
|
Profitability
63.3
|
|
LDI
loanDepot, Inc.
Mortgage Finance
|
472.40M
|
40.6
Composite
|
$1.41
|
Efficiency
58.5
|
|
Banks - Regional
|
471.90M
|
52.8
Composite
|
$31.50
|
Growth
78.9
|
|
Banks - Regional
|
463.80M
|
55.2
Composite
|
$35.09
|
Profitability
70.4
|
|
Banks - Regional
|
462.60M
|
49.0
Composite
|
$24.17
|
Efficiency
61.3
|
|
Banks - Regional
|
428.30M
|
41.1
Composite
|
$17.94
|
Growth
58.7
|
|
Banks - Regional
|
422.80M
|
49.7
Composite
|
$26.07
|
Profitability
61.7
|
|
Banks - Regional
|
417.40M
|
45.9
Composite
|
$19.80
|
Efficiency
75.5
|
|
Banks - Regional
|
415.50M
|
47.6
Composite
|
$52.11
|
Growth
69.4
|
|
BSVN
Bank7 Corp.
Banks - Regional
|
415.14M
|
56.5
Composite
|
$43.95
|
Profitability
81.3
|
|
RBB
RBB Bancorp
Banks - Regional
|
414.70M
|
43.2
Composite
|
$24.19
|
Valuation
51.7
|
|
WTBA
West Bancorporation
Banks - Regional
|
410.50M
|
47.3
Composite
|
$24.11
|
Valuation
54.2
|
|
Banks - Regional
|
409.00M
|
46.5
Composite
|
$23.99
|
Profitability
59.5
|
|
NEWT
NewtekOne, Inc.
Banks - Regional
|
394.10M
|
46.5
Composite
|
$13.67
|
Growth
61.0
|
|
Banks - Regional
|
390.00M
|
42.7
Composite
|
$28.47
|
Profitability
50.1
|
|
Banks - Regional
|
385.60M
|
45.7
Composite
|
$21.78
|
Valuation
53.7
|
|
FRBA
First Bank
Banks - Regional
|
384.71M
|
45.5
Composite
|
$15.42
|
Growth
54.9
|
|
Banks - Regional
|
381.00M
|
47.1
Composite
|
$27.67
|
Growth
52.9
|
|
Banks - Regional
|
363.80M
|
39.5
Composite
|
$14.59
|
Growth
55.5
|
|
Banks - Regional
|
363.54M
|
42.9
Composite
|
$14.89
|
Valuation
61.2
|
|
PKBK
Parke Bancorp, Inc.
Banks - Regional
|
360.40M
|
52.8
Composite
|
$30.86
|
Profitability
72.4
|
|
PLBC
Plumas Bancorp
Banks - Regional
|
360.10M
|
54.4
Composite
|
$51.96
|
Profitability
63.9
|
|
PCB
PCB Bancorp
Banks - Regional
|
350.80M
|
51.0
Composite
|
$25.07
|
Profitability
66.4
|
|
Credit Services
|
345.10M
|
46.2
Composite
|
$2.06
|
Profitability
51.5
|
|
Banks - Regional
|
339.10M
|
50.9
Composite
|
$24.51
|
Profitability
74.8
|
|
Banks - Regional
|
337.60M
|
41.4
Composite
|
$18.56
|
Valuation
55.8
|
|
Banks - Regional
|
335.21M
|
50.5
Composite
|
$18.36
|
Profitability
64.2
|
|
MVBF
MVB Financial Corp.
Banks - Regional
|
334.00M
|
33.7
Composite
|
$26.39
|
Efficiency
46.0
|
|
Banks - Regional
|
334.00M
|
53.5
Composite
|
$30.67
|
Growth
78.7
|
|
BCML
BayCom Corp
Banks - Regional
|
328.40M
|
43.9
Composite
|
$30.48
|
Valuation
52.9
|
|
Banks - Regional
|
328.20M
|
51.8
Composite
|
$29.15
|
Profitability
61.8
|
|
LNKB
LINKBANCORP, Inc.
Banks - Regional
|
325.59M
|
47.5
Composite
|
$8.69
|
Efficiency
60.0
|
|
Banks - Regional
|
324.70M
|
52.9
Composite
|
$41.43
|
Profitability
71.7
|
|
Banks - Regional
|
323.10M
|
47.5
Composite
|
$68.90
|
Efficiency
64.1
|
|
ONIT
Onity Group Inc.
Mortgage Finance
|
323.00M
|
43.2
Composite
|
$38.31
|
Health
49.3
|
|
Credit Services
|
322.00M
|
42.0
Composite
|
$34.97
|
Efficiency
76.3
|
|
FSBW
FS Bancorp, Inc.
Banks - Regional
|
310.30M
|
46.6
Composite
|
$41.31
|
Profitability
60.1
|
|
Banks - Regional
|
308.40M
|
33.2
Composite
|
$3.50
|
Valuation
43.8
|
|
Banks - Regional
|
307.20M
|
48.9
Composite
|
$65.89
|
Growth
64.3
|
|
Banks - Regional
|
305.20M
|
39.5
Composite
|
$21.47
|
Profitability
50.2
|
|
Credit Services
|
289.18M
|
48.9
Composite
|
$6.83
|
Efficiency
76.6
|
|
Banks - Regional
|
286.03M
|
32.6
Composite
|
$29.24
|
Growth
55.5
|
|
Banks - Regional
|
285.50M
|
49.1
Composite
|
$30.42
|
Profitability
62.2
|
|
Banks - Regional
|
285.50M
|
41.1
Composite
|
$14.09
|
Efficiency
58.5
|
|
FVCB
FVCBankcorp, Inc.
Banks - Regional
|
283.70M
|
42.6
Composite
|
$15.81
|
Efficiency
54.7
|
|
Banks - Regional
|
278.40M
|
51.1
Composite
|
$33.20
|
Profitability
67.9
|
|
Banks - Regional
|
272.30M
|
48.4
Composite
|
$33.67
|
Valuation
58.0
|
|
BLFY
Blue Foundry Bancorp
Banks - Regional
|
265.12M
|
26.2
Composite
|
$13.24
|
Efficiency
43.7
|
|
Banks - Regional
|
262.70M
|
50.2
Composite
|
$46.10
|
Profitability
61.0
|
|
Credit Services
|
258.55M
|
42.5
Composite
|
$5.75
|
Efficiency
70.5
|
|
Banks - Regional
|
256.50M
|
48.6
Composite
|
$57.57
|
Growth
69.5
|
|
Mortgage Finance
|
255.80M
|
45.7
Composite
|
$9.90
|
Profitability
55.5
|
|
Banks - Regional
|
253.30M
|
49.2
Composite
|
$28.60
|
Valuation
63.8
|
|
Banks - Regional
|
252.80M
|
49.7
Composite
|
$27.96
|
Growth
69.7
|
|
Banks - Regional
|
250.20M
|
45.9
Composite
|
$37.00
|
Profitability
56.3
|
|
Banks - Regional
|
244.76M
|
54.7
Composite
|
$37.30
|
Profitability
71.0
|
|
FUNC
First
Banks - Regional
|
243.90M
|
44.9
Composite
|
$38.18
|
Profitability
62.2
|
|
Banks - Regional
|
241.30M
|
45.0
Composite
|
$35.55
|
Valuation
54.8
|
|
Banks - Regional
|
240.90M
|
47.5
Composite
|
$77.48
|
Efficiency
64.9
|
|
FBLA
FB Bancorp, Inc.
Banks - Regional
|
240.75M
|
30.8
Composite
|
$14.18
|
Growth
51.5
|
|
Banks - Regional
|
239.40M
|
49.2
Composite
|
$44.25
|
Profitability
60.2
|
|
Banks - Regional
|
233.80M
|
41.8
Composite
|
$37.71
|
Profitability
52.8
|
|
LCNB
LCNB Corporation
Banks - Regional
|
228.90M
|
50.1
Composite
|
$16.28
|
Efficiency
76.9
|
|
Credit Services
|
228.00M
|
44.8
Composite
|
$9.56
|
Efficiency
55.1
|
|
Credit Services
|
223.50M
|
43.2
Composite
|
$10.27
|
Efficiency
89.0
|
|
Banks - Regional
|
222.40M
|
25.3
Composite
|
$25.52
|
Efficiency
58.0
|
|
Banks - Regional
|
220.70M
|
48.3
Composite
|
$41.18
|
Profitability
56.4
|
|
XYF
X Financial
Credit Services
|
218.22M
|
62.1
Composite
|
$5.17
|
Profitability
86.2
|
|
OPBK
OP Bancorp
Banks - Regional
|
217.30M
|
49.8
Composite
|
$14.59
|
Efficiency
60.3
|
|
MRBK
Meridian Corporation
Banks - Regional
|
214.80M
|
47.3
Composite
|
$18.09
|
Efficiency
69.2
|
|
Banks - Regional
|
207.80M
|
45.2
Composite
|
$44.96
|
Growth
52.6
|
|
Banks - Regional
|
203.30M
|
41.0
Composite
|
$21.08
|
Efficiency
51.3
|
|
Credit Services
|
201.20M
|
22.8
Composite
|
$1.62
|
Efficiency
40.2
|
|
FINW
FinWise Bancorp
Banks - Regional
|
191.88M
|
42.8
Composite
|
$14.00
|
Growth
60.2
|
|
FCAP
First Capital, Inc.
Banks - Regional
|
186.20M
|
55.8
Composite
|
$57.28
|
Profitability
69.2
|
|
Banks - Regional
|
182.50M
|
42.2
Composite
|
$22.91
|
Efficiency
58.5
|
|
Banks - Regional
|
181.50M
|
33.1
Composite
|
$35.75
|
Efficiency
62.3
|
|
Credit Services
|
180.02M
|
26.9
Composite
|
$21.05
|
Valuation
34.2
|
|
PMTS
CPI Card Group Inc.
Credit Services
|
178.20M
|
32.0
Composite
|
$15.53
|
Growth
45.7
|
|
Banks - Regional
|
178.20M
|
43.5
Composite
|
$23.51
|
Growth
62.1
|
|
CFBK
CF Bankshares Inc.
Banks - Regional
|
178.10M
|
39.7
Composite
|
$27.36
|
Valuation
47.4
|
|
Banks - Regional
|
177.90M
|
50.5
Composite
|
$10.51
|
Profitability
62.9
|
|
Credit Services
|
177.30M
|
47.6
Composite
|
$2.03
|
Health
56.2
|
|
Banks - Regional
|
174.56M
|
40.7
Composite
|
$16.03
|
Growth
67.8
|
|
Banks - Regional
|
173.60M
|
32.4
Composite
|
$10.10
|
Efficiency
48.8
|
|
BVFL
BV Financial, Inc.
Banks - Regional
|
173.00M
|
49.4
Composite
|
$19.77
|
Efficiency
64.7
|
|
Banks - Regional
|
168.80M
|
51.0
Composite
|
$28.02
|
Efficiency
66.5
|
|
Banks - Regional
|
166.75M
|
36.6
Composite
|
$23.26
|
Valuation
56.5
|
|
ECBK
ECB Bancorp, Inc.
Banks - Regional
|
161.95M
|
41.6
Composite
|
$18.62
|
Growth
70.2
|
|
Banks - Regional
|
148.00M
|
24.5
Composite
|
$9.41
|
Efficiency
50.7
|
|
Banks - Regional
|
147.98M
|
49.3
Composite
|
$15.23
|
Valuation
59.1
|
|
Banks - Regional
|
143.70M
|
49.7
Composite
|
$22.80
|
Efficiency
74.0
|
|
SRBK
SR Bancorp, Inc.
Banks - Regional
|
138.20M
|
42.4
Composite
|
$18.46
|
Efficiency
72.6
|
|
Banks - Regional
|
136.90M
|
41.0
Composite
|
$22.46
|
Efficiency
61.0
|
|
FNWD
Finward Bancorp
Banks - Regional
|
134.50M
|
43.2
Composite
|
$31.85
|
Growth
58.9
|
|
Credit Services
|
134.40M
|
0.0
Composite
|
$26.56
|
No pillar score
-
|
|
Mortgage Finance
|
125.90M
|
43.4
Composite
|
$5.29
|
Efficiency
56.5
|
|
Banks - Regional
|
124.30M
|
48.5
Composite
|
$15.84
|
Efficiency
59.7
|
|
Banks - Regional
|
122.90M
|
23.9
Composite
|
$1.19
|
Efficiency
39.2
|
|
Banks - Regional
|
113.30M
|
48.5
Composite
|
$24.55
|
Efficiency
60.0
|
|
MGYR
Magyar Bancorp, Inc.
Banks - Regional
|
112.70M
|
47.2
Composite
|
$17.68
|
Profitability
59.4
|
|
Banks - Regional
|
109.40M
|
42.2
Composite
|
$17.16
|
Valuation
65.0
|
|
Banks - Regional
|
108.70M
|
29.7
Composite
|
$5.45
|
Valuation
48.5
|
|
Banks - Regional
|
108.70M
|
43.8
Composite
|
$42.24
|
Efficiency
62.6
|
|
Banks - Regional
|
107.42M
|
36.9
Composite
|
$8.55
|
Growth
59.9
|
|
Banks - Regional
|
105.50M
|
50.0
Composite
|
$23.21
|
Efficiency
67.7
|
|
Banks - Regional
|
94.20M
|
28.5
Composite
|
$9.97
|
Efficiency
69.9
|
|
IROQ
IF Bancorp, Inc.
Banks - Regional
|
92.97M
|
43.3
Composite
|
$26.55
|
Valuation
71.0
|
|
UBCP
United Bancorp, Inc.
Banks - Regional
|
92.10M
|
45.0
Composite
|
$16.31
|
Valuation
53.8
|
|
SSBI
Summit State Bank
Banks - Regional
|
91.79M
|
33.6
Composite
|
$13.63
|
Efficiency
68.1
|
|
Banks - Regional
|
91.50M
|
40.0
Composite
|
$16.19
|
Efficiency
47.0
|
|
Banks - Regional
|
86.80M
|
27.9
Composite
|
$13.88
|
Efficiency
65.9
|
|
Banks - Regional
|
86.10M
|
25.2
Composite
|
$9.84
|
Efficiency
54.7
|
|
Banks - Regional
|
80.80M
|
50.7
Composite
|
$23.14
|
Valuation
59.2
|
|
Banks - Regional
|
80.13M
|
33.9
Composite
|
$15.21
|
Valuation
51.8
|
|
Mortgage Finance
|
73.19M
|
49.0
Composite
|
$18.00
|
Profitability
69.3
|
|
Banks - Regional
|
72.71M
|
37.7
Composite
|
$16.65
|
Efficiency
63.1
|
|
Banks - Regional
|
68.70M
|
52.1
Composite
|
$17.55
|
Efficiency
73.6
|
|
Banks - Regional
|
67.60M
|
47.7
Composite
|
$5.56
|
Growth
70.6
|
|
Banks - Regional
|
64.41M
|
40.4
Composite
|
$16.17
|
Efficiency
55.9
|
|
Banks - Regional
|
64.30M
|
36.0
Composite
|
$3.78
|
Growth
45.7
|
|
NSTS
NSTS Bancorp, Inc.
Banks - Regional
|
62.67M
|
40.3
Composite
|
$12.75
|
Efficiency
77.5
|
|
Banks - Regional
|
61.40M
|
47.3
Composite
|
$19.60
|
Efficiency
59.1
|
|
Banks - Regional
|
56.85M
|
32.3
Composite
|
$10.85
|
Valuation
45.5
|
|
Banks - Regional
|
44.91M
|
37.5
Composite
|
$16.80
|
Efficiency
61.2
|
|
Banks - Regional
|
34.90M
|
28.1
Composite
|
$4.31
|
Growth
45.2
|
|
Banks - Regional
|
34.16M
|
20.8
Composite
|
$14.82
|
Efficiency
38.9
|
|
Credit Services
|
29.94M
|
27.1
Composite
|
$4.10
|
Health
43.7
|
|
Banks - Regional
|
29.47M
|
25.0
Composite
|
$7.17
|
Efficiency
76.8
|
|
Mortgage Finance
|
29.22M
|
23.3
Composite
|
$1.12
|
Growth
41.5
|
|
Mortgage Finance
|
20.99M
|
43.5
Composite
|
$3.10
|
Efficiency
73.0
|
|
GLBZ
Glen Burnie Bancorp
Banks - Regional
|
14.60M
|
19.8
Composite
|
$4.86
|
Efficiency
41.9
|
|
Credit Services
|
14.50M
|
26.5
Composite
|
$0.96
|
Growth
50.9
|
|
CARV
Carver Bancorp, Inc.
Banks - Regional
|
8.72M
|
17.4
Composite
|
$1.67
|
Efficiency
40.1
|
|
Credit Services
|
6.20M
|
26.0
Composite
|
$2.21
|
Health
43.3
|
|
Credit Services
|
5.40M
|
21.6
Composite
|
$1.19
|
Efficiency
46.9
|
|
Credit Services
|
4.10M
|
26.9
Composite
|
$0.24
|
Efficiency
47.4
|
|
SHFS
SHF Holdings, Inc.
Banks - Regional
|
2.09M
|
35.3
Composite
|
$0.47
|
Valuation
47.9
|
|
Credit Services
|
1.31M
|
30.3
Composite
|
$0.45
|
Valuation
43.3
|
|
Banks - Diversified
|
-
|
56.4
Composite
|
$1,226.65
|
Profitability
71.2
|
|
Credit Services
|
-
|
44.9
Composite
|
$23.66
|
Efficiency
69.9
|
|
Banks - Regional
|
-
|
59.5
Composite
|
$16.53
|
Valuation
96.9
|
|
Banks - Regional
|
-
|
30.4
Composite
|
-
|
Valuation
96.3
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Mortgage Finance
|
-
|
34.3
Composite
|
$0.30
|
Growth
62.7
|
|
Banks - Regional
|
-
|
39.3
Composite
|
$19.95
|
Growth
71.6
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
CADE
Cadence Bank
Banks - Regional
|
-
|
55.7
Composite
|
-
|
Valuation
64.7
|
|
CFSB
CFSB Bancorp, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
40.9
Composite
|
$24.97
|
Growth
72.8
|
|
Banks - Regional
|
-
|
48.4
Composite
|
-
|
Valuation
60.6
|
|
Banks - Regional
|
-
|
53.3
Composite
|
$24.86
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
49.2
Composite
|
-
|
Efficiency
70.8
|
|
Banks - Regional
|
-
|
51.2
Composite
|
$19.50
|
Valuation
100.0
|
|
Credit Services
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
33.9
Composite
|
-
|
Valuation
99.3
|
|
Banks - Regional
|
-
|
50.1
Composite
|
$20.80
|
Valuation
100.0
|
|
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
|
-
|
50.9
Composite
|
$19.21
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
50.9
Composite
|
$23.66
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
43.2
Composite
|
$21.20
|
Profitability
52.5
|
|
Banks - Regional
|
-
|
33.6
Composite
|
-
|
Valuation
81.4
|
|
Banks - Regional
|
-
|
23.8
Composite
|
$20.15
|
Efficiency
50.7
|
|
Banks - Regional
|
-
|
53.0
Composite
|
$25.35
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
52.0
Composite
|
-
|
Profitability
66.4
|
|
Banks - Regional
|
-
|
52.2
Composite
|
$18.36
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Mortgage Finance
|
-
|
50.9
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
27.5
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
57.5
Composite
|
-
|
Efficiency
86.2
|
|
HMST
HomeStreet, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
60.6
Composite
|
$22.58
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
60.6
Composite
|
$25.38
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
60.6
Composite
|
$17.00
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
44.0
Composite
|
$25.17
|
Valuation
96.6
|
|
Banks - Regional
|
-
|
56.3
Composite
|
-
|
Valuation
79.3
|
|
Banks - Regional
|
-
|
44.4
Composite
|
$20.94
|
Valuation
90.5
|
|
Banks - Regional
|
-
|
44.4
Composite
|
$25.42
|
Valuation
90.5
|
|
Banks - Regional
|
-
|
34.0
Composite
|
$25.32
|
Efficiency
79.4
|
|
Banks - Regional
|
-
|
47.5
Composite
|
-
|
Profitability
62.8
|
|
Mortgage Finance
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
35.0
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
54.8
Composite
|
$24.75
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
54.8
Composite
|
$24.85
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
PBBK
PB Bankshares, Inc.
Banks - Regional
|
-
|
44.6
Composite
|
-
|
Efficiency
58.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
57.5
Composite
|
$25.02
|
Profitability
75.7
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
35.0
Composite
|
-
|
Efficiency
54.9
|
|
QD
Qudian Inc.
Credit Services
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
30.8
Composite
|
-
|
Profitability
36.8
|
|
SHFSW
SHF Holdings, Inc.
Banks - Regional
|
-
|
44.2
Composite
|
$0.03
|
Profitability
56.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
25.1
Composite
|
-
|
Health
40.4
|
|
Banks - Regional
|
-
|
58.0
Composite
|
-
|
Profitability
77.6
|
|
Banks - Regional
|
-
|
57.2
Composite
|
-
|
Valuation
100.0
|
|
TCBC
TC Bancshares, Inc.
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
39.9
Composite
|
-
|
Profitability
55.8
|
|
Banks - Regional
|
-
|
24.4
Composite
|
-
|
Efficiency
36.5
|
|
Banks - Regional
|
-
|
58.6
Composite
|
$21.62
|
Profitability
86.2
|
|
Banks - Regional
|
-
|
21.6
Composite
|
-
|
Efficiency
26.9
|
|
Banks - Regional
|
-
|
38.6
Composite
|
$22.25
|
Efficiency
61.2
|
|
Banks - Regional
|
-
|
57.3
Composite
|
-
|
Growth
78.2
|
|
Banks - Regional
|
-
|
34.5
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
47.3
Composite
|
$16.68
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
55.9
Composite
|
-
|
Valuation
100.0
|
|
Banks - Regional
|
-
|
0.0
Composite
|
-
|
No pillar score
-
|
|
Banks - Regional
|
-
|
43.3
Composite
|
-
|
Valuation
69.0
|
|
Banks - Regional
|
-
|
44.3
Composite
|
-
|
Valuation
69.0
|
|
Banks - Regional
|
-
|
51.1
Composite
|
$19.25
|
Valuation
99.0
|
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 / Banks layer isolates the cash-flow mechanics, capital demands, and operating risk that matter most for this industry.
We then layer in Bank / Financial, pillar ranges, and peer leaders to show what strong execution looks like relative to the broader cohort.