Banks & Insurers

Financials valued with a residual-income model (book value plus excess return on equity) — the right lens for banks.

Banks can't be valued like a normal company (their "cash flow" is loans and deposits). We value them on book value plus how much they earn above their cost of capital.
Clear
313 stocks · page 1 of 6
Educational use only — not investment advice. "Undervalued / fairly valued / overvalued" and every risk score reflect our models vs. price, which can be wrong or based on stale or incomplete data. Always review the company's own financials and SEC filings, and consult a licensed advisor, before acting.
SOLC
Canary Marinade Solana ETF
Deeply overvalued
Financial Services
Price$23.86
Model IV$16.25
P/IV1.00
Premium +47% Return to IV: -31.9%
SBFG
SB FINANCIAL GROUP, INC.
Deeply overvalued
Financial Services
Price$29.88
Model IV$21.42
P/IV1.01
Premium +39% Return to IV: -28.3%
HBT
HBT Financial, Inc.
Overvalued
Financial Services
Price$35.69
Model IV$28.38
P/IV1.01
Premium +26% Return to IV: -20.5%
FNWB
First Northwest Bancorp
Fairly valued
Financial Services
Price$10.21
Model IV$9.85
P/IV1.01
Premium +4% Return to IV: -3.5%
SIGI
SELECTIVE INSURANCE GROUP INC
Fairly valued
Financial Services
Price$87.78
Model IV$85.31
P/IV1.01
Premium +3% Return to IV: -2.8%
EIG
Employers Holdings, Inc.
Fairly valued
Financial Services
Price$48.45
Model IV$42.85
P/IV1.02
Premium +13% Return to IV: -11.6%
EQBK
EQUITY BANCSHARES INC
Fairly valued
Financial Services
Price$48.61
Model IV$45.25
P/IV1.02
Premium +7% Return to IV: -6.9%
FFBC
FIRST FINANCIAL BANCORP /OH/
Fairly valued
Financial Services
Price$31.74
Model IV$30.14
P/IV1.02
Premium +5% Return to IV: -5.0%
XRPZ
Franklin XRP Trust
Deeply overvalued
Financial Services
Price$16.36
Model IV$11.50
P/IV1.02
Premium +42% Return to IV: -29.7%
FSUN
FIRSTSUN CAPITAL BANCORP
Fairly valued
Financial Services
Price$39.52
Model IV$34.64
P/IV1.02
Premium +14% Return to IV: -12.3%
FMNB
FARMERS NATIONAL BANC CORP /OH/
Fairly valued
Financial Services
Price$15.32
Model IV$13.84
P/IV1.02
Premium +11% Return to IV: -9.6%
FISI
FINANCIAL INSTITUTIONS INC
Fairly valued
Financial Services
Price$40.33
Model IV$35.35
P/IV1.02
Premium +14% Return to IV: -12.3%
SBSI
SOUTHSIDE BANCSHARES INC
Fairly valued
Financial Services
Price$31.52
Model IV$31.95
P/IV1.03
Discount 1% Return to IV: +1.3%
BY
BYLINE BANCORP, INC.
Overvalued
Financial Services
Price$37.47
Model IV$32.06
P/IV1.03
Premium +17% Return to IV: -14.4%
HOMB
HOME BANCSHARES INC
Fairly valued
Financial Services
Price$29.61
Model IV$25.87
P/IV1.03
Premium +14% Return to IV: -12.6%
ZION
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
Fairly valued
Financial Services
Price$64.98
Model IV$60.07
P/IV1.04
Premium +8% Return to IV: -7.6%
PRU
PRUDENTIAL FINANCIAL INC
Overvalued
Financial Services
Price$118.53
Model IV$96.14
P/IV1.05
Premium +23% Return to IV: -18.9%
FDBC
FIDELITY D & D BANCORP INC
Overvalued
Financial Services
Price$54.60
Model IV$44.50
P/IV1.05
Premium +23% Return to IV: -18.5%
CBSH
COMMERCE BANCSHARES INC /MO/
Fairly valued
Financial Services
Price$56.55
Model IV$49.68
P/IV1.05
Premium +14% Return to IV: -12.1%
CFR
CULLEN/FROST BANKERS, INC.
Overvalued
Financial Services
Price$158.74
Model IV$128.63
P/IV1.05
Premium +23% Return to IV: -19.0%
HBCP
HOME BANCORP, INC.
Fairly valued
Financial Services
Price$68.13
Model IV$61.01
P/IV1.06
Premium +12% Return to IV: -10.5%
HWBK
HAWTHORN BANCSHARES, INC.
Fairly valued
Financial Services
Price$38.48
Model IV$34.75
P/IV1.06
Premium +11% Return to IV: -9.7%
BHB
BAR HARBOR BANKSHARES
Overvalued
Financial Services
Price$40.28
Model IV$32.96
P/IV1.06
Premium +22% Return to IV: -18.2%
GSBC
GREAT SOUTHERN BANCORP, INC.
Overvalued
Financial Services
Price$78.55
Model IV$67.62
P/IV1.06
Premium +16% Return to IV: -13.9%
CBAN
COLONY BANKCORP INC
Fairly valued
Financial Services
Price$20.80
Model IV$18.65
P/IV1.06
Premium +12% Return to IV: -10.4%
RNST
RENASANT CORP
Fairly valued
Financial Services
Price$40.52
Model IV$38.20
P/IV1.07
Premium +6% Return to IV: -5.7%
SRCE
1ST SOURCE CORP
Overvalued
Financial Services
Price$85.81
Model IV$69.13
P/IV1.07
Premium +24% Return to IV: -19.4%
BOTJ
BANK OF THE JAMES FINANCIAL GROUP INC
Overvalued
Financial Services
Price$26.95
Model IV$21.41
P/IV1.07
Premium +26% Return to IV: -20.6%
RF
REGIONS FINANCIAL CORP
Fairly valued
Financial Services
Price$28.55
Model IV$26.09
P/IV1.07
Premium +9% Return to IV: -8.6%
WAL
WESTERN ALLIANCE BANCORPORATION
Fairly valued
Financial Services
Price$78.65
Model IV$74.21
P/IV1.07
Premium +6% Return to IV: -5.6%
ONBPP
OLD NATIONAL BANCORP /IN/
Fairly valued
Financial Services
Price$24.88
Model IV$23.13
P/IV1.07
Premium +8% Return to IV: -7.0%
TFC
TRUIST FINANCIAL CORP
Fairly valued
Financial Services
Price$49.00
Model IV$44.75
P/IV1.08
Premium +9% Return to IV: -8.7%
ONBPO
OLD NATIONAL BANCORP /IN/
Fairly valued
Financial Services
Price$25.00
Model IV$23.13
P/IV1.08
Premium +8% Return to IV: -7.5%
FDSB
Fifth District Bancorp, Inc.
Deeply overvalued
Financial Services
Price$18.41
Model IV$14.00
P/IV1.08
Premium +31% Return to IV: -23.9%
FULT
FULTON FINANCIAL CORP
Overvalued
Financial Services
Price$23.28
Model IV$20.09
P/IV1.08
Premium +16% Return to IV: -13.7%
RLI
RLI CORP
Overvalued
Financial Services
Price$59.07
Model IV$46.28
P/IV1.08
Premium +28% Return to IV: -21.7%
FNWD
Finward Bancorp
Deeply overvalued
Financial Services
Price$42.19
Model IV$30.50
P/IV1.08
Premium +38% Return to IV: -27.7%
CATY
CATHAY GENERAL BANCORP
Overvalued
Financial Services
Price$61.48
Model IV$53.26
P/IV1.08
Premium +15% Return to IV: -13.4%
QCRH
QCR HOLDINGS INC
Overvalued
Financial Services
Price$99.55
Model IV$85.03
P/IV1.08
Premium +17% Return to IV: -14.6%
CVBF
CVB FINANCIAL CORP
Overvalued
Financial Services
Price$22.43
Model IV$18.72
P/IV1.09
Premium +20% Return to IV: -16.5%
BWBBP
Bridgewater Bancshares Inc
Fairly valued
Financial Services
Price$19.50
Model IV$18.30
P/IV1.09
Premium +7% Return to IV: -6.1%
NWBI
Northwest Bancshares, Inc.
Overvalued
Financial Services
Price$15.30
Model IV$13.00
P/IV1.09
Premium +18% Return to IV: -15.0%
USB
US BANCORP DE
Overvalued
Financial Services
Price$60.44
Model IV$50.38
P/IV1.09
Premium +20% Return to IV: -16.6%
CASH
PATHWARD FINANCIAL, INC.
Fairly valued
Financial Services
Price$75.90
Model IV$75.46
P/IV1.09
Premium +1% Return to IV: -0.6%
MPB
MID PENN BANCORP INC
Overvalued
Financial Services
Price$36.65
Model IV$29.74
P/IV1.10
Premium +23% Return to IV: -18.9%
ELV
Elevance Health, Inc.
Fairly valued
Financial Services
Price$409.31
Model IV$357.76
P/IV1.10
Premium +14% Return to IV: -12.6%
BPOP
POPULAR, INC.
Overvalued
Financial Services
Price$162.58
Model IV$135.12
P/IV1.10
Premium +20% Return to IV: -16.9%
THFF
FIRST FINANCIAL CORP /IN/
Overvalued
Financial Services
Price$75.94
Model IV$62.87
P/IV1.10
Premium +21% Return to IV: -17.2%
HNVR
Hanover Bancorp, Inc. /MD
Overvalued
Financial Services
Price$26.84
Model IV$21.13
P/IV1.10
Premium +27% Return to IV: -21.3%
UVE
UNIVERSAL INSURANCE HOLDINGS, INC.
Overvalued
Financial Services
Price$43.62
Model IV$33.58
P/IV1.10
Premium +30% Return to IV: -23.0%
ASB
ASSOCIATED BANC-CORP
Overvalued
Financial Services
Price$29.36
Model IV$25.22
P/IV1.10
Premium +16% Return to IV: -14.1%
AMSF
AMERISAFE INC
Fairly valued
Financial Services
Price$24.56
Model IV$27.72
P/IV1.11
Discount 11% Return to IV: +12.9%
EFSI
EAGLE FINANCIAL SERVICES INC
Overvalued
Financial Services
Price$45.68
Model IV$35.62
P/IV1.11
Premium +28% Return to IV: -22.0%
TMP
TOMPKINS FINANCIAL CORP
Overvalued
Financial Services
Price$98.48
Model IV$77.75
P/IV1.11
Premium +27% Return to IV: -21.1%
HBANZ
HUNTINGTON BANCSHARES INC /MD/
Fairly valued
Financial Services
Price$19.15
Model IV$18.34
P/IV1.11
Premium +4% Return to IV: -4.2%
UNTY
UNITY BANCORP INC /NJ/
Fairly valued
Financial Services
Price$58.56
Model IV$53.86
P/IV1.11
Premium +9% Return to IV: -8.0%
ALLY
Ally Financial Inc.
Fairly valued
Financial Services
Price$39.89
Model IV$38.38
P/IV1.12
Premium +4% Return to IV: -3.8%
SSB
SouthState Bank Corp
Overvalued
Financial Services
Price$103.11
Model IV$84.94
P/IV1.12
Premium +21% Return to IV: -17.6%
FUSB
FIRST US BANCSHARES, INC.
Fairly valued
Financial Services
Price$16.27
Model IV$14.32
P/IV1.12
Premium +14% Return to IV: -12.0%
LCNB
LCNB CORP
Overvalued
Financial Services
Price$18.93
Model IV$15.24
P/IV1.12
Premium +24% Return to IV: -19.5%