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金融服务行业 — 财报质量筛查

共429只金融服务股票经过18项财报排雷检查筛查

评级分布

A: 135
B: 46
C: 58
F: 177
A135 — 优秀 — 几乎无异常
B46 — 良好 — 总体健康
C58 — 一般 — 存在部分异常
D13 — 较差 — 存在显著隐忧
F177 — 不及格 — 存在重大风险

金融服务行业的财报质量特征

金融服务公司——银行、保险公司、资产管理公司和金融科技企业——在特殊会计框架下运营，使得传统的盈余质量检查难以直接适用。贷款损失拨备本质上是前瞻性估计，管理层可以利用它来平滑各季度利润：拨备不足可以提升当期利润但以未来坏账核销为代价，而拨备过度则创造"准备金池"以在困难季度释放。交易账簿的按市值计价会计引入的波动性可能并不反映长期头寸的真实经济价值。表外工具——证券化、可变利益实体和管道——可能掩盖金融机构的真实杠杆水平。监管资本比率（CET1、一级资本）增加了其他行业不存在的复杂性。尽管面临这些挑战，我们的18项检查框架仍能发现有意义的信号：69只金融股中有19只获得A评级（所有主要行业中A评级率最高），这反映了采用保守拨备和透明披露的优质金融机构确实能与激进会计的同行明显区分开来。

金融服务行业常见异常信号

  • ⚠贷款损失拨备下降而不良贷款率上升——拨备不足以虚增利润的信号
  • ⚠表外风险敞口（VIE、证券化）增长快于表内资产，隐藏真实杠杆
  • ⚠净息差压缩被一次性交易收益或手续费收入重分类所掩盖
  • ⚠软资产（金融科技收购带来的商誉+无形资产）在权益中占比不断上升，削弱有形账面价值

全部429只金融服务股票

A优秀 — 几乎无异常(135 只)

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.

B良好 — 总体健康(46 只)

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.

C一般 — 存在部分异常(58 只)

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.

D较差 — 存在显著隐忧(13 只)

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.

F不及格 — 存在重大风险(177 只)

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.

了解我们的方法论

每只股票经过18项基于唐朝投资框架的系统化检查，包括Beneish M-Score和Altman Z-Score量化模型。

查看完整方法论 →

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