EarningsGradeEarningsGrade

Financial Services — Earnings Quality Screening

429 Financial Services stocks screened with 18 forensic accounting checks

Grade Distribution

A: 135
B: 46
C: 58
F: 177
A135 — Strong — minimal red flags
B46 — Good — generally healthy
C58 — Fair — some red flags
D13 — Weak — significant concerns
F177 — Fail — major red flags

Earnings Quality Characteristics in Financial Services

Financial services companies — banks, insurers, asset managers, and fintech firms — operate under accounting frameworks that make traditional earnings quality checks difficult to apply directly. Loan loss provisions are inherently forward-looking estimates that management can use to smooth earnings across quarters: under-reserving boosts current profits at the expense of future charge-offs, while over-reserving creates a "cookie jar" to release in lean quarters. Mark-to-market accounting on trading books introduces volatility that may not reflect the true economic value of long-dated positions. Off-balance-sheet vehicles — securitizations, VIEs, and conduits — can obscure the real leverage a financial institution carries. Regulatory capital ratios (CET1, Tier 1) add another layer of complexity that does not exist in other sectors. Despite these challenges, our 18-check framework still surfaces meaningful signals: 19 out of 69 financial stocks earn an A grade (the highest A-rate of any major sector), reflecting that well-run financial institutions with conservative provisioning and transparent disclosure do stand out clearly from those engaging in aggressive accounting.

Common Red Flags in Financial Services

  • ⚠Loan loss provisions declining while non-performing loan ratios are rising — a sign of under-reserving to inflate earnings
  • ⚠Off-balance-sheet exposures (VIEs, securitizations) growing faster than on-balance-sheet assets, hiding true leverage
  • ⚠Net interest margin compression masked by one-time trading gains or fee income reclassification
  • ⚠Soft assets (goodwill + intangibles from fintech acquisitions) making up a growing share of equity, weakening tangible book value

All 429 Financial Services Stocks

AStrong — minimal red flags(135 stocks)

A
ABCBAmeris Bancorp
A
ACTEnact Holdings, Inc.
A
ALLAllstate Corporation (The)
A
AMALAmalgamated Financial Corp.
A
AMPAmeriprise Financial, Inc.
A
AMTBAmerant Bancorp Inc.
A
APOApollo Global Management, Inc.
A
AROWArrow Financial Corporation
A
ASICAtegrity Specialty Insurance Co
A
ATLOAmes National Corporation
A
AXAxos Financial, Inc.
A
BANFBancFirst Corporation
A
BANRBanner Corporation
A
BCALCalifornia BanCorp
A
BCMLBayCom Corp
A
BFSTBusiness First Bancshares, Inc.
A
BOHBank of Hawaii Corporation
A
BPRNPrinceton Bancorp, Inc.
A
BSVNBank7 Corp.
A
BVFLBV Financial, Inc.
A
CARECarter Bankshares, Inc.
A
CBChubb Limited
A
CBKCommercial Bancgroup, Inc.
A
CBNKCapital Bancorp, Inc.
A
CCBCoastal Financial Corporation
A
CCBGCapital City Bank Group
A
CFBKCF Bankshares Inc.
A
CFFIC&F Financial Corporation
A
CHCOCity Holding Company
A
CINFCincinnati Financial Corporatio
A
CNOCNO Financial Group, Inc.
A
COSOCoastalSouth Bancshares, Inc.
A
CPFCentral Pacific Financial Corp
A
CRVLCorVel Corp.
A
CWBCCommunity West Bancshares
A
DCOMDime Community Bancshares, Inc.
A
DGICADonegal Group, Inc.
A
EBCEastern Bankshares, Inc.
A
EBMTEagle Bancorp Montana, Inc.
A
EFSIEagle Financial Services Inc
A
EIGEmployers Holdings Inc
A
ERIEErie Indemnity Company
A
ESNTEssent Group Ltd.
A
FBKFB Financial Corporation
A
FBNCFirst Bancorp
A
FBPFirst BanCorp. New
A
FCBCFirst Community Bankshares, Inc
A
FCCOFirst Community Corporation
A
FDBCFidelity D & D Bancorp, Inc.
A
FNWDFinward Bancorp
A
FRAFFranklin Financial Services Cor
A
FRBAFirst Bank
A
FSBCFive Star Bancorp
A
FSUNFirstSun Capital Bancorp
A
FVCBFVCBankcorp, Inc.
A
FXNCFirst National Corporation
A
GCBCGreene County Bancorp, Inc.
A
GLGlobe Life Inc.
A
GLREGreenlight Reinsurance, Ltd.
A
HAFCHanmi Financial Corporation
A
HBCPHome Bancorp, Inc.
A
HBTHBT Financial, Inc.
A
HCIHCI Group, Inc.
A
HFWAHeritage Financial Corporation
A
HGHamilton Insurance Group, Ltd.
A
HIGThe Hartford Insurance Group, I
A
HMNHorace Mann Educators Corporati
A
HNVRHanover Bancorp, Inc.
A
HOPEHope Bancorp, Inc.
A
HRTGHeritage Insurance Holdings, In
A
IBCPIndependent Bank Corporation
A
IBOCInternational Bancshares Corpor
A
JMSBJohn Marshall Bancorp, Inc.
A
KINSKingstone Companies, Inc
A
LLoews Corporation
A
LARKLandmark Bancorp Inc.
A
LOBLive Oak Bancshares, Inc.
A
MPBMid Penn Bancorp
A
MTBM&T Bank Corporation
A
NBHCNational Bank Holdings Corporat
A
NBNNortheast Bank
A
NBTBNBT Bancorp Inc.
A
NECBNorthEast Community Bancorp, In
A
NICNicolet Bankshares Inc.
A
NKSHNational Bankshares, Inc.
A
NMIHNMI Holdings Inc
A
NODKNI Holdings, Inc.
A
NRIMNorthrim BanCorp Inc
A
NTBBank of N.T. Butterfield & Son
A
NTRSNorthern Trust Corporation
A
NWFLNorwood Financial Corp.
A
OBKOrigin Bancorp, Inc.
A
OFGOFG Bancorp
A
PEBKPeoples Bancorp of North Caroli
A
PFGPrincipal Financial Group Inc
A
PGRProgressive Corporation (The)
A
PKBKParke Bancorp, Inc.
A
PLMRPalomar Holdings, Inc.
A
PRKPark National Corporation
A
RBKBRhinebeck Bancorp, Inc.
A
RFRegions Financial Corporation
A
RJFRaymond James Financial, Inc.
A
ROOTRoot, Inc.
A
RRBIRed River Bancshares, Inc.
A
SAFTSafety Insurance Group, Inc.
A
SFBCSound Financial Bancorp, Inc.
A
SFBSServisFirst Bancshares, Inc.
A
SHBIShore Bancshares, Inc.
A
SIGISelective Insurance Group, Inc.
A
SMBCSouthern Missouri Bancorp, Inc.
A
SMBKSmartFinancial, Inc.
A
SNFCASecurity National Financial Cor
A
SPFISouth Plains Financial, Inc.
A
SRBKSR Bancorp, Inc.
A
STELStellar Bancorp, Inc.
A
SYFSynchrony Financial
A
TBBKThe Bancorp, Inc.
A
TCBKTriCo Bancshares
A
THFFFirst Financial Corporation
A
TIPTTiptree Inc.
A
TOWNTowne Bank
A
TRMKTrustmark Corporation
A
TRSTTrustCo Bank Corp NY
A
TRUPTrupanion, Inc.
A
TRVThe Travelers Companies, Inc.
A
TSBKTimberland Bancorp, Inc.
A
UCBUnited Community Banks, Inc.
A
USBU.S. Bancorp
A
UVEUNIVERSAL INSURANCE HOLDINGS IN
A
UVSPUnivest Financial Corporation
A
VABKVirginia National Bankshares Co
A
WABCWestamerica Bancorporation
A
WRBW.R. Berkley Corporation
A
WTBAWest Bancorporation
A
XZOExzeo Group, Inc.

BGood — generally healthy(46 stocks)

B
AUBAtlantic Union Bankshares Corpo
B
AVBHAvidbank Holdings, Inc.
B
AXPAmerican Express Company
B
BANCBanc of California, Inc.
B
BBTBeacon Financial Corporation
B
BCBPBCB Bancorp, Inc. (NJ)
B
BHRBBurke & Herbert Financial Servi
B
BMRCBank of Marin Bancorp
B
BRBSBlue Ridge Bankshares, Inc.
B
CATYCathay General Bancorp
B
CBUCommunity Financial System, Inc
B
CFGCitizens Financial Group, Inc.
B
COFCapital One Financial Corporati
B
CVBFCVB Financial Corporation
B
EGBNEagle Bancorp, Inc.
B
EQBKEquity Bancshares, Inc.
B
FFBCFirst Financial Bancorp.
B
FIBKFirst Interstate BancSystem, In
B
FMBHFirst Mid Bancshares, Inc.
B
GABCGerman American Bancorp, Inc.
B
GBCIGlacier Bancorp, Inc.
B
GSBCGreat Southern Bancorp, Inc.
B
HBANHuntington Bancshares Incorpora
B
HOMBHome BancShares, Inc.
B
HWBKHawthorn Bancshares, Inc.
B
HWCHancock Whitney Corporation
B
INBKFirst Internet Bancorp
B
INDBIndependent Bank Corp.
B
LKFNLakeland Financial Corporation
B
MCMoelis & Company
B
MCYMercury General Corporation
B
MRBKMeridian Corporation
B
NBBKNB Bancorp, Inc.
B
PIPRPiper Sandler Companies
B
PNBKPatriot National Bancorp Inc.
B
RNSTRenasant Corporation
B
SBFGSB Financial Group, Inc.
B
SBSISouthside Bancshares, Inc.
B
STBAS&T Bancorp, Inc.
B
TCBXThird Coast Bancshares, Inc.
B
TFCTruist Financial Corporation
B
UBSIUnited Bankshares, Inc.
B
UMBFUMB Financial Corporation
B
VALUValue Line, Inc.
B
WHGWestwood Holdings Group Inc
B
WSBCWesBanco, Inc.

CFair — some red flags(58 stocks)

C
ACGLArch Capital Group Ltd.
C
ACICAmerican Coastal Insurance Corp
C
AIGAmerican International Group, I
C
AIIAmerican Integrity Insurance Gr
C
AIZAssurant, Inc.
C
APAMArtisan Partners Asset Manageme
C
ASSTStrive, Inc.
C
BFCBank First Corporation
C
BFHBread Financial Holdings, Inc.
C
BKThe Bank of New York Mellon Cor
C
BUSEFirst Busey Corporation
C
BWFGBankwell Financial Group, Inc.
C
CASHPathward Financial, Inc.
C
CBFVCB Financial Services, Inc.
C
CBNAChain Bridge Bancorp, Inc.
C
CBOECboe Global Markets, Inc.
C
CCNECNB Financial Corporation
C
CIACitizens, Inc.
C
CMECME Group Inc.
C
COINCoinbase Global, Inc.
C
CTBICommunity Trust Bancorp, Inc.
C
CUBICustomers Bancorp, Inc
C
CZWICitizens Community Bancorp, Inc
C
EFSCEnterprise Financial Services C
C
ESQEsquire Financial Holdings, Inc
C
FCAPFirst Capital, Inc.
C
FFINFirst Financial Bankshares, Inc
C
FULTFulton Financial Corporation
C
FUNCFirst
C
GDOTGreen Dot Corporation
C
GNWGenworth Financial Inc
C
JXNJackson Financial Inc.
C
MAMastercard Incorporated
C
MCBMetropolitan Bank Holding Corp.
C
MCBSMetroCity Bankshares, Inc.
C
MCHBMechanics Bancorp
C
METMetLife, Inc.
C
MIAXMiami International Holdings, I
C
OBTOrange County Bancorp, Inc.
C
OPBKOP Bancorp
C
OVBCOhio Valley Banc Corp.
C
OVLYOak Valley Bancorp (CA)
C
PBFSPioneer Bancorp, Inc.
C
PCBPCB Bancorp
C
PFBCPreferred Bank
C
PGCPeapack-Gladstone Financial Cor
C
PLBCPlumas Bancorp
C
PNCPNC Financial Services Group, I
C
PYPLPayPal Holdings, Inc.
C
RBBRBB Bancorp
C
SAMGSilvercrest Asset Management Gr
C
SCHWCharles Schwab Corporation (The
C
SIEBSiebert Financial Corp.
C
STTState Street Corporation
C
TCBITexas Capital Bancshares, Inc.
C
TFINTriumph Financial, Inc.
C
UFCSUnited Fire Group, Inc
C
UNTYUnity Bancorp, Inc.

DWeak — significant concerns(13 stocks)

D
BOWBowhead Specialty Holdings Inc.
D
EGEverest Group, Ltd.
D
FBLAFB Bancorp, Inc.
D
GCMGGCM Grosvenor Inc.
D
IBKRInteractive Brokers Group, Inc.
D
OSGOctave Specialty Group, Inc.
D
PJTPJT Partners Inc.
D
PRAAPRA Group, Inc.
D
PRUPrudential Financial, Inc.
D
SFNCSimmons First National Corporat
D
SKWDSkyward Specialty Insurance Gro
D
STEPStepStone Group Inc.
D
VVisa Inc.

FFail — major red flags(177 stocks)

F
AAMIAcadian Asset Management Inc.
F
ABXAbacus Global Management, Inc.
F
ACNBACNB Corporation
F
AFLAFLAC Incorporated
F
AGMFederal Agricultural Mortgage C
F
AJGArthur J. Gallagher & Co.
F
ALRSAlerus Financial Corporation
F
ALTIAlTi Global, Inc.
F
AMSFAMERISAFE, Inc.
F
AONAon plc
F
ARESAres Management Corporation
F
ASBAssociated Banc-Corp
F
ATLCAtlanticus Holdings Corporation
F
BACBank of America Corporation
F
BENFranklin Resources, Inc.
F
BETRBetter Home & Finance Holding C
F
BGCBGC Group, Inc.
F
BHBBar Harbor Bankshares, Inc.
F
BKUBankUnited, Inc.
F
BLKBlackRock, Inc.
F
BLXBanco Latinoamericano de Comerc
F
BROBrown & Brown, Inc.
F
BSRRSierra Bancorp
F
BTBTBit Digital, Inc.
F
BURBurford Capital Limited
F
BWBBridgewater Bancshares, Inc.
F
BWINThe Baldwin Insurance Group, In
F
BXBlackstone Inc.
F
BYByline Bancorp, Inc.
F
CCitigroup, Inc.
F
CACCamden National Corporation
F
CBANColony Bankcorp, Inc.
F
CDChaince Digital Holdings Inc. -
F
CFFNCapitol Federal Financial, Inc.
F
CHMGChemung Financial Corp
F
CIVBCivista Bancshares, Inc.
F
CLBKColumbia Financial, Inc.
F
CLSKCleanSpark, Inc.
F
CNOBConnectOne Bancorp, Inc.
F
CNSCohen & Steers Inc
F
COFSChoiceOne Financial Services, I
F
CPSSConsumer Portfolio Services, In
F
CZFSCitizens Financial Services, In
F
CZNCCitizens & Northern Corp
F
DBRGDigitalBridge Group, Inc.
F
ECBKECB Bancorp, Inc.
F
ECPGEncore Capital Group Inc
F
EHTHeHealth, Inc.
F
ENVAEnova International, Inc.
F
FBIZFirst Business Financial Servic
F
FCFFirst
F
FCFSFirstCash Holdings, Inc.
F
FDSFactSet Research Systems Inc.
F
FFICFlushing Financial Corporation
F
FGF&G Annuities & Life, Inc.
F
FIHLFidelis Insurance Holdings Limi
F
FINWFinWise Bancorp
F
FISIFinancial Institutions, Inc.
F
FITBFifth Third Bancorp
F
FLGFlagstar Bank, N.A.
F
FMAOFarmers & Merchants Bancorp, In
F
FMNBFarmers National Banc Corp.
F
FNLCFirst Bancorp, Inc (ME)
F
FOAFinance of America Companies In
F
FRMEFirst Merchants Corporation
F
FRSTPrimis Financial Corp.
F
FSBWFS Bancorp, Inc.
F
GBFHGBank Financial Holdings Inc.
F
GOCOGoHealth, Inc.
F
GOLDGold.com, Inc.
F
GSGoldman Sachs Group, Inc. (The)
F
GSHDGoosehead Insurance, Inc.
F
HASIHA Sustainable Infrastructure C
F
HBNCHorizon Bancorp, Inc.
F
HIFSHingham Institution for Savings
F
HIPOHippo Holdings Inc.
F
HOODRobinhood Markets, Inc.
F
HTBHomeTrust Bancshares, Inc.
F
HTHHilltop Holdings Inc.
F
HUTHut 8 Corp.
F
ICEIntercontinental Exchange Inc.
F
INVInnventure, Inc.
F
ISTRInvestar Holding Corporation
F
ITICInvestors Title Company
F
IVZInvesco Ltd
F
JCAPJefferson Capital, Inc.
F
JPMJP Morgan Chase & Co.
F
JRVRJames River Group Holdings, Inc
F
KEYKeyCorp
F
KGKestrel Group, Ltd.
F
KKRKKR & Co. Inc.
F
KRNYKearny Financial
F
LCLendingClub Corporation
F
LCNBLCNB Corporation
F
LDIloanDepot, Inc.
F
LMNDLemonade, Inc.
F
LNKBLINKBANCORP, Inc.
F
LPROOpen Lending Corporation
F
MARAMARA Holdings, Inc.
F
MBIMBIA Inc.
F
MBINMerchants Bancorp
F
MBWMMercantile Bank Corporation
F
MCOMoody's Corporation
F
MFINMedallion Financial Corp.
F
MKTWMarketWise, Inc.
F
MNSBMainStreet Bancshares, Inc.
F
MRSHMarsh
F
MRXMarex Group plc
F
MSMorgan Stanley
F
MSBIMidland States Bancorp, Inc.
F
MSCIMSCI Inc.
F
MVBFMVB Financial Corp.
F
MYFWFirst Western Financial, Inc.
F
NAVINavient Corporation
F
NDAQNasdaq, Inc.
F
NEWTNewtekOne, Inc.
F
NFBKNorthfield Bancorp, Inc.
F
NNINelnet, Inc.
F
NPBNorthpointe Bancshares, Inc.
F
NWBINorthwest Bancshares, Inc.
F
OCFCOceanFirst Financial Corp.
F
ONBOld National Bancorp
F
ONITOnity Group Inc.
F
OPFIOppFi Inc.
F
OPRTOportun Financial Corporation
F
ORRFOrrstown Financial Services, In
F
OSBCOld Second Bancorp, Inc.
F
PAXPatria Investments Limited
F
PDLBPonce Financial Group, Inc.
F
PEBOPeoples Bancorp Inc.
F
PFISPeoples Financial Services Corp
F
PFSProvident Financial Services, I
F
PFSIPennyMac Financial Services, In
F
PMTSCPI Card Group Inc.
F
PRAProAssurance Corporation
F
PRCHPorch Group, Inc.
F
PWPPerella Weinberg Partners
F
QCRHQCR Holdings, Inc.
F
RBCAARepublic Bancorp, Inc.
F
RDNRadian Group Inc.
F
RIOTRiot Platforms, Inc.
F
RMRegional Management Corp.
F
RMBIRichmond Mutual Bancorporation,
F
RPCRidgepost Capital, Inc.
F
RVSBRiverview Bancorp Inc
F
SBCFSeacoast Banking Corporation of
F
SEZLSezzle Inc.
F
SFSTSouthern First Bancshares, Inc.
F
SLQTSelectQuote, Inc.
F
SNEXStoneX Group Inc.
F
SPGIS&P Global Inc.
F
SPNTSiriusPoint Ltd.
F
SRCE1st Source Corporation
F
STCStewart Information Services Co
F
SYBTStock Yards Bancorp, Inc.
F
TMPTompkins Financial Corporation
F
TREELendingTree, Inc.
F
TROWT. Rowe Price Group, Inc.
F
UNBUnion Bankshares, Inc.
F
UPSTUpstart Holdings, Inc.
F
USCBUSCB Financial Holdings, Inc.
F
VCTRVictory Capital Holdings, Inc.
F
VELVelocity Financial, Inc.
F
VLYValley National Bancorp
F
VRMVroom, Inc.
F
VRTSVirtus Investment Partners, Inc
F
WAFDWaFd, Inc.
F
WASHWashington Trust Bancorp, Inc.
F
WDWalker & Dunlop, Inc
F
WFCWells Fargo & Company
F
WNEBWestern New England Bancorp, In
F
WRLDWorld Acceptance Corporation
F
WSBFWaterstone Financial, Inc.
F
WSFSWSFS Financial Corporation
F
WTWisdomTree, Inc.
F
WTWWillis Towers Watson Public Lim
F
WULFTeraWulf Inc.

Understand Our Methodology

Every stock undergoes 18 systematic checks based on forensic accounting principles, including Beneish M-Score and Altman Z-Score quantitative models.

View Full Methodology →

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