18 Banks - Diversified companies are scored. Their average composite is 69.1, and 0 are in the A range (76+). The leader is BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) at 74.3 (B+). This industry belongs to the Financial sector.
| # | Company | Composite | Grade | Industry opportunity | Stock selection | KPI momentum | Catalyst watch | Price | Expansion | Quality | Trend | Valuation gap |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) | 74.3 | B+ | 88 | 80 | 75 | 79 | 56 | 55 | 62 | 75 | -12.3% |
| 2 | Bank of N.T. Butterfield & Son Ltd (NTB) | 74.0 | B+ | 88 | 80 | 75 | 76 | 65 | 41 | 75 | 75 | +9.9% |
| 3 | ING GROEP NV (ING) | 72.1 | B+ | 88 | 85 | 86 | 77 | 65 | 56 | 53 | 74 | -9.5% |
| 4 | TORONTO DOMINION BANK (TD) | 71.7 | B+ | 88 | 91 | 93 | 80 | 28 | 36 | 42 | 92 | +10.4% |
| 5 | BANK OF NOVA SCOTIA (BNS) | 71.4 | B+ | 88 | 82 | 84 | 66 | 36 | 60 | 38 | 90 | +12.6% |
| 6 | Bank of New York Mellon Corp (BNY) | 71.1 | B+ | 88 | 86 | 87 | 75 | 33 | 61 | 56 | 66 | -6.0% |
| 7 | CITIGROUP INC (C) | 71.0 | B+ | 88 | 85 | 81 | 79 | 76 | 66 | 24 | 51 | -15.3% |
| 8 | MITSUBISHI UFJ FINANCIAL GROUP INC (MUFG) | 70.8 | B+ | 88 | 83 | 84 | 75 | 34 | 70 | 27 | 75 | -7.3% |
| 9 | CANADIAN IMPERIAL BANK OF COMMERCE /CAN/ (CM) | 70.5 | B+ | 88 | 81 | 78 | 68 | 32 | 61 | 54 | 70 | +5.2% |
| 10 | ROYAL BANK OF CANADA (RY) | 68.5 | B | 88 | 79 | 75 | 72 | 24 | 48 | 56 | 74 | +9.9% |
| 11 | UBS Group AG (UBS) | 67.9 | B | 88 | 86 | 93 | 73 | 41 | 65 | 30 | 57 | -13.1% |
| 12 | WELLS FARGO & COMPANY/MN (WFC) | 67.2 | B | 88 | 88 | 88 | 77 | 61 | 40 | 46 | 33 | -2.8% |
| 13 | Banco Santander, S.A. (SAN) | 66.5 | B | 88 | 81 | 82 | 78 | 59 | 37 | 38 | 66 | -5.4% |
| 14 | JPMORGAN CHASE & CO (JPM) | 66.4 | B | 88 | 72 | 65 | 70 | 37 | 56 | 67 | 49 | -8.6% |
| 15 | BANK OF MONTREAL /CAN/ (BMO) | 66.2 | B | 88 | 82 | 79 | 72 | 31 | 45 | 33 | 69 | +0.3% |
| 16 | HSBC HOLDINGS PLC (HSBC) | 66.2 | B | 88 | 80 | 81 | 71 | 61 | 55 | 52 | 62 | -12.3% |
| 17 | BARCLAYS PLC (BCS) | 64.7 | B | 88 | 83 | 86 | 78 | 94 | 46 | 38 | 35 | -10.2% |
| 18 | BANK OF AMERICA CORP /DE/ (BAC) | 63.9 | B- | 88 | 86 | 86 | 78 | 68 | 58 | 42 | 30 | -9.3% |
The composite score (0–100, graded A+ to D-) blends research signals from each earnings call with fundamental lenses from SEC filings and market prices. Research signals: Industry opportunity, Stock selection, KPI momentum and Catalyst watch, read from what management said and whether it delivered. Fundamental lenses: Price (valuation), Expansion (growth), Quality (profitability) and Trend (momentum). Scores are recalculated every night and after every earnings call. The valuation gap compares the actual price path with the path the stock's market, sector and industry moves explain; it is a model comparison, not a fair-value estimate.
General information, not investment advice.