124 Banks - Regional companies are scored. Their average composite is 64.9, and 1 is in the A range (76+). The leader is Grupo Cibest S.A. (CIB) at 76.9 (A-). 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 | Grupo Cibest S.A. (CIB) | 76.9 | A- | 79 | 86 | 87 | 81 | 70 | 61 | 66 | 93 | -14.8% |
| 2 | ConnectOne Bancorp, Inc. (CNOB) | 74.4 | B+ | 79 | 87 | 88 | 77 | 74 | 85 | 46 | 76 | +9.6% |
| 3 | UNITED COMMUNITY BANKS INC (UCB) | 73.2 | B+ | 79 | 87 | 87 | 78 | 58 | 58 | 51 | 70 | -0.1% |
| 4 | ASSOCIATED BANC-CORP (ASB) | 72.2 | B+ | 79 | 84 | 88 | 76 | 70 | 68 | 42 | 61 | -1.8% |
| 5 | Customers Bancorp, Inc. (CUBI) | 72.2 | B+ | 79 | 88 | 93 | 78 | 66 | 69 | 57 | 66 | -1.2% |
| 6 | QCR HOLDINGS INC (QCRH) | 72.1 | B+ | 79 | 83 | 88 | 77 | 50 | 49 | 62 | 78 | +9.5% |
| 7 | Amalgamated Financial Corp. (AMAL) | 72.0 | B+ | 79 | 82 | 80 | 79 | 44 | 53 | 58 | 93 | +3.1% |
| 8 | WSFS FINANCIAL CORP (WSFS) | 71.8 | B+ | 79 | 81 | 82 | 75 | 56 | 49 | 54 | 80 | +7.0% |
| 9 | SHINHAN FINANCIAL GROUP CO LTD (SHG) | 71.1 | B+ | 79 | 84 | 88 | 74 | 87 | 48 | 20 | 57 | -13.0% |
| 10 | CATHAY GENERAL BANCORP (CATY) | 71.0 | B+ | 79 | 83 | 87 | 78 | 57 | 55 | 60 | 84 | +1.3% |
| 11 | VALLEY NATIONAL BANCORP (VLY) | 71.0 | B+ | 79 | 91 | 93 | 81 | 70 | 67 | 40 | 61 | +4.8% |
| 12 | EAST WEST BANCORP INC (EWBC) | 70.7 | B+ | 79 | 83 | 87 | 78 | 42 | 48 | 73 | 67 | -5.8% |
| 13 | CREDICORP LTD (BAP) | 70.5 | B+ | 79 | 85 | 87 | 81 | 34 | 66 | 68 | 80 | -9.0% |
| 14 | Intercorp Financial Services Inc. (IFS) | 70.5 | B+ | 79 | 80 | 81 | 78 | 68 | 56 | 71 | 64 | -14.6% |
| 15 | Business First Bancshares, Inc. (BFST) | 70.4 | B+ | 79 | 89 | 99 | 75 | 67 | 46 | 40 | 73 | +9.7% |
| 16 | MERCANTILE BANK CORP (MBWM) | 70.4 | B+ | 79 | 82 | 88 | 76 | 59 | 37 | 64 | 84 | -1.3% |
| 17 | NBT BANCORP INC (NBTB) | 70.4 | B+ | 79 | 87 | 88 | 73 | 48 | 60 | 51 | 79 | +1.5% |
| 18 | KEYCORP /NEW/ (KEY) | 70.3 | B+ | 79 | 86 | 88 | 78 | 61 | 75 | 40 | 48 | -1.5% |
| 19 | Dime Community Bancshares, Inc. /NY/ (DCOM) | 70.2 | B+ | 79 | 84 | 93 | 78 | 44 | 79 | 31 | 92 | +9.3% |
| 20 | FIRST CITIZENS BANCSHARES INC /DE/ (FCNCA) | 70.2 | B+ | 79 | 90 | 93 | 84 | 59 | 27 | 38 | 77 | -3.2% |
| 21 | OFG BANCORP (OFG) | 70.1 | B+ | 79 | 69 | 59 | 72 | 70 | 36 | 65 | 73 | -1.5% |
| 22 | Eastern Bankshares, Inc. (EBC) | 69.9 | B | 79 | 76 | 72 | 71 | 62 | 81 | 48 | 68 | +2.7% |
| 23 | PEOPLES BANCORP INC (PEBO) | 69.9 | B | 79 | 83 | 84 | 77 | 71 | 41 | 40 | 70 | +0.7% |
| 24 | Grupo Aval Acciones Y Valores S.A. (AVAL) | 69.6 | B | 79 | 82 | 78 | 78 | 79 | 83 | 21 | 57 | -29.5% |
| 25 | PROVIDENT FINANCIAL SERVICES INC (PFS) | 69.6 | B | 79 | 87 | 93 | 73 | 78 | 48 | 52 | 59 | +3.8% |
| 26 | BYLINE BANCORP, INC. (BY) | 69.4 | B | 79 | 72 | 62 | 71 | 59 | 46 | 58 | 78 | +4.0% |
| 27 | NatWest Group plc (NWG) | 69.4 | B | 79 | 89 | 93 | 78 | 81 | 46 | 56 | 55 | -15.1% |
| 28 | SouthState Bank Corp (SSB) | 69.4 | B | 79 | 87 | 87 | 79 | 70 | 56 | 54 | 59 | 0.0% |
| 29 | UNIVEST FINANCIAL Corp (UVSP) | 69.2 | B | 79 | 77 | 82 | 60 | 64 | 49 | 45 | 74 | +3.9% |
| 30 | PROSPERITY BANCSHARES INC (PB) | 68.5 | B | 79 | 87 | 93 | 77 | 70 | 47 | 47 | 47 | -1.0% |
| 31 | HANMI FINANCIAL CORP (HAFC) | 68.4 | B | 79 | 79 | 79 | 61 | 72 | 59 | 48 | 66 | +2.9% |
| 32 | UMB FINANCIAL CORP (UMBF) | 68.4 | B | 79 | 80 | 82 | 69 | 60 | 69 | 56 | 56 | -7.4% |
| 33 | Origin Bancorp, Inc. (OBK) | 68.3 | B | 79 | 82 | 93 | 74 | 46 | 61 | 29 | 84 | -6.6% |
| 34 | ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) | 68.3 | B | 79 | 77 | 65 | 74 | 67 | 41 | 63 | 59 | -7.3% |
| 35 | HOPE BANCORP INC (HOPE) | 68.1 | B | 79 | 82 | 84 | 68 | 64 | 78 | 23 | 80 | +8.0% |
| 36 | S&T BANCORP INC (STBA) | 67.9 | B | 79 | 74 | 69 | 69 | 57 | 37 | 51 | 81 | +8.1% |
| 37 | CENTRAL PACIFIC FINANCIAL CORP (CPF) | 67.8 | B | 79 | 87 | 99 | 70 | 50 | 51 | 52 | 70 | +4.4% |
| 38 | WESBANCO INC (WSBC) | 67.4 | B | 79 | 78 | 69 | 79 | 70 | 65 | 45 | 66 | +5.0% |
| 39 | FNB CORP/PA/ (FNB) | 67.3 | B | 79 | 86 | 84 | 78 | 73 | 44 | 43 | 53 | -1.4% |
| 40 | TRUSTMARK CORP (TRMK) | 67.2 | B | 79 | 80 | 78 | 70 | 59 | 31 | 47 | 60 | +2.9% |
| 41 | WEBSTER FINANCIAL CORP (WBS) | 67.2 | B | 79 | 76 | 81 | 66 | 63 | 54 | 50 | 66 | — |
| 42 | FULTON FINANCIAL CORP (FULT) | 67.1 | B | 79 | 79 | 80 | 73 | 65 | 36 | 46 | 70 | -1.6% |
| 43 | US BANCORP DE (USB) | 67.0 | B | 79 | 83 | 82 | 79 | 57 | 41 | 49 | 59 | -0.4% |
| 44 | CULLEN/FROST BANKERS, INC. (CFR) | 66.9 | B | 79 | 83 | 93 | 72 | 36 | 34 | 59 | 66 | -7.6% |
| 45 | Axos Financial, Inc. (AX) | 66.8 | B | 79 | 81 | 83 | 64 | 62 | 54 | 69 | 39 | -0.2% |
| 46 | OLD NATIONAL BANCORP /IN/ (ONB) | 66.8 | B | 79 | 78 | 70 | 73 | 72 | 68 | 48 | 60 | -13.1% |
| 47 | COLUMBIA BANKING SYSTEM, INC. (COLB) | 66.7 | B | 79 | 73 | 58 | 73 | 72 | 48 | 45 | 59 | +3.5% |
| 48 | Esquire Financial Holdings, Inc. (ESQ) | 66.6 | B | 79 | 75 | 65 | 67 | 20 | 66 | 74 | 65 | -10.3% |
| 49 | KB Financial Group Inc. (KB) | 66.6 | B | 79 | 77 | 71 | 72 | 77 | 41 | 44 | 70 | -15.3% |
| 50 | Metropolitan Bank Holding Corp. (MCB) | 66.6 | B | 79 | 74 | 71 | 73 | 62 | 60 | 37 | 73 | +9.4% |
| 51 | Nu Holdings Ltd. (NU) | 66.2 | B | 79 | 83 | 82 | 65 | 18 | 87 | 74 | 31 | +6.2% |
| 52 | CITIZENS FINANCIAL GROUP INC/RI (CFG) | 66.1 | B | 79 | 87 | 88 | 78 | 57 | 63 | 30 | 53 | -7.5% |
| 53 | Lloyds Banking Group plc (LYG) | 66.1 | B | 79 | 92 | 99 | 77 | 75 | 49 | 35 | 50 | -16.4% |
| 54 | REGIONS FINANCIAL CORP (RF) | 66.1 | B | 79 | 80 | 79 | 74 | 66 | 33 | 54 | 47 | -1.2% |
| 55 | OLD SECOND BANCORP INC (OSBC) | 66.0 | B | 79 | 77 | 69 | 73 | 54 | 45 | 49 | 78 | -3.8% |
| 56 | Pinnacle Financial Partners, Inc. (PNFP) | 66.0 | B | 79 | 81 | 81 | 79 | 59 | 65 | 27 | 48 | -9.0% |
| 57 | FIRST FINANCIAL BANCORP /OH/ (FFBC) | 65.9 | B | 79 | 68 | 56 | 75 | 67 | 50 | 47 | 69 | +0.3% |
| 58 | INDEPENDENT BANK CORP (INDB) | 65.9 | B | 79 | 77 | 72 | 77 | 58 | 70 | 37 | 63 | +3.0% |
| 59 | Inter & Co, Inc. (INTR) | 65.9 | B | 79 | 87 | 88 | 69 | 59 | 84 | 51 | 20 | +13.0% |
| 60 | RENASANT CORP (RNST) | 65.8 | B | 79 | 77 | 72 | 71 | 67 | 67 | 36 | 56 | -4.8% |
| 61 | WINTRUST FINANCIAL CORP (WTFC) | 65.8 | B | 79 | 79 | 75 | 71 | 53 | 49 | 54 | 47 | -6.3% |
| 62 | FIRST COMMONWEALTH FINANCIAL CORP /PA/ (FCF) | 65.7 | B | 79 | 77 | 78 | 66 | 55 | 50 | 52 | 74 | +7.4% |
| 63 | PNC FINANCIAL SERVICES GROUP, INC. (PNC) | 65.7 | B | 79 | 76 | 72 | 81 | 57 | 54 | 55 | 50 | -3.8% |
| 64 | Bancorp, Inc. (TBBK) | 65.7 | B | 79 | 82 | 86 | 77 | 68 | 51 | 81 | 9 | -24.6% |
| 65 | ServisFirst Bancshares, Inc. (SFBS) | 65.6 | B | 79 | 86 | 88 | 77 | 36 | 64 | 74 | 50 | +4.0% |
| 66 | FIRST BANCORP /PR/ (FBP) | 65.5 | B | 79 | 67 | 46 | 67 | 51 | 42 | 75 | 74 | -6.1% |
| 67 | POPULAR, INC. (BPOP) | 65.2 | B | 79 | 63 | 40 | 69 | 62 | 57 | 58 | 69 | -8.8% |
| 68 | TEXAS CAPITAL BANCSHARES INC/TX (TCBI) | 65.2 | B | 79 | 78 | 71 | 78 | 53 | 47 | 41 | 54 | +8.3% |
| 69 | FOREIGN TRADE BANK OF LATIN AMERICA, INC. (BLX) | 65.1 | B | 79 | 76 | 76 | 66 | 78 | 41 | 72 | 48 | -12.0% |
| 70 | HANCOCK WHITNEY CORP (HWC) | 65.1 | B | 79 | 84 | 88 | 77 | 56 | 28 | 42 | 70 | -6.1% |
| 71 | BANNER CORP (BANR) | 65.0 | B | 79 | 86 | 88 | 78 | 62 | 34 | 51 | 54 | +4.7% |
| 72 | Atlantic Union Bankshares Corp (AUB) | 64.6 | B | 79 | 67 | 52 | 71 | 68 | 71 | 47 | 55 | +1.3% |
| 73 | HOME BANCSHARES INC (HOMB) | 64.6 | B | 79 | 80 | 79 | 76 | 52 | 27 | 63 | 57 | -2.7% |
| 74 | CVB FINANCIAL CORP (CVBF) | 64.2 | B | 79 | 77 | 69 | 67 | 48 | 45 | 40 | 72 | +6.2% |
| 75 | Northwest Bancshares, Inc. (NWBI) | 64.2 | B | 79 | 81 | 78 | 73 | 56 | 40 | 29 | 76 | +5.7% |
| 76 | AGI Inc (AGBK) | 64.1 | B | 79 | 72 | 79 | 76 | 67 | 67 | 80 | 33 | +41.3% |
| 77 | PATHWARD FINANCIAL, INC. (CASH) | 64.0 | B | 79 | 82 | 88 | 77 | 66 | 42 | 67 | 26 | -0.6% |
| 78 | Macro Bank Inc. (BMA) | 63.9 | B- | 79 | 66 | 53 | 72 | 61 | 76 | 29 | 36 | -43.1% |
| 79 | Mechanics Bancorp (MCHB) | 63.9 | B- | 79 | 56 | 44 | 67 | 61 | 54 | 80 | 54 | -9.2% |
| 80 | BANK OF HAWAII CORP (BOH) | 63.8 | B- | 79 | 87 | 94 | 70 | 47 | 62 | 50 | 35 | -3.7% |
| 81 | WAFD INC (WAFD) | 63.7 | B- | 79 | 76 | 77 | 77 | 86 | 44 | 38 | 26 | +1.2% |
| 82 | FIRST HORIZON CORP (FHN) | 63.6 | B- | 79 | 73 | 68 | 71 | 66 | 45 | 51 | 43 | -13.4% |
| 83 | GLACIER BANCORP, INC. (GBCI) | 63.4 | B- | 79 | 90 | 94 | 81 | 36 | 74 | 32 | 37 | +12.3% |
| 84 | Central Bancompany, Inc. (CBC) | 63.3 | B- | 79 | 77 | 88 | 56 | 25 | 35 | 58 | 95 | +2.9% |
| 85 | Beacon Financial Corp (BBT) | 63.2 | B- | 79 | 83 | 79 | 68 | 59 | 83 | 16 | 53 | -4.1% |
| 86 | COMMUNITY FINANCIAL SYSTEM, INC. (CBU) | 63.2 | B- | 79 | 85 | 87 | 79 | 41 | 48 | 49 | 41 | +0.2% |
| 87 | M&T BANK CORP (MTB) | 63.2 | B- | 79 | 73 | 59 | 75 | 66 | 39 | 51 | 49 | -0.8% |
| 88 | BOK FINANCIAL CORP (BOKF) | 62.9 | B- | 79 | 78 | 73 | 76 | 58 | 44 | 46 | 49 | -1.1% |
| 89 | HERITAGE FINANCIAL CORP /WA/ (HFWA) | 62.9 | B- | 79 | 80 | 79 | 79 | 52 | 56 | 31 | 67 | +4.8% |
| 90 | BANK BRADESCO (BBD) | 62.8 | B- | 79 | 80 | 74 | 69 | 73 | 50 | 46 | 54 | +15.4% |
| 91 | Itau Unibanco Holding S.A. (ITUB) | 62.4 | B- | 79 | 81 | 78 | 65 | 49 | 23 | 67 | 74 | +9.4% |
| 92 | FIRST HAWAIIAN, INC. (FHB) | 62.1 | B- | 79 | 77 | 75 | 69 | 71 | 38 | 47 | 31 | -3.6% |
| 93 | EQUITY BANCSHARES INC (EQBK) | 62.0 | B- | 79 | 75 | 61 | 76 | 58 | 44 | 17 | 57 | +7.3% |
| 94 | SEACOAST BANKING CORP OF FLORIDA (SBCF) | 61.6 | B- | 79 | 80 | 88 | 53 | 43 | 63 | 25 | 50 | +3.0% |
| 95 | BANC OF CALIFORNIA, INC. (BANC) | 61.2 | B- | 79 | 85 | 86 | 73 | 53 | 43 | 7 | 31 | -8.0% |
| 96 | Banco BBVA Argentina S.A. (BBAR) | 61.2 | B- | 79 | 79 | 77 | 76 | 37 | 35 | 42 | 42 | -47.5% |
| 97 | FIFTH THIRD BANCORP (FITB) | 61.1 | B- | 79 | 83 | 81 | 80 | 36 | 45 | 28 | 56 | -1.1% |
| 98 | BANCO SANTANDER CHILE (BSAC) | 60.9 | B- | 79 | 82 | 79 | 71 | 35 | 40 | 66 | 49 | -15.4% |
| 99 | FB Financial Corp (FBK) | 60.6 | B- | 79 | 67 | 55 | 71 | 55 | 72 | 48 | 28 | -2.5% |
| 100 | ENTERPRISE FINANCIAL SERVICES CORP (EFSC) | 60.5 | B- | 79 | 79 | 71 | 79 | 62 | 37 | 37 | 45 | +1.1% |
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.