Top 15 Small-Cap Financial Services Stocks
Marvin's rules picked 15 small-cap Financial Services stocks, led by American Integrity Insurance Group, Gold.com and Jefferson Capital. They are ranked by Overall score, which compares each company with others in its own industry.
Small-cap Financial Services companies include regional banks, insurers, credit providers and asset managers. This list gathers 15 of them that Marvin's scoring rules rated highest among smaller companies in the sector.
Financial companies are hard to compare with ordinary businesses. Banks and lenders carry debt as part of their business, and measures like gross margin or free cash flow often don't fit them. That is why some figures below are missing, and why each profile notes what could not be checked.
Smaller companies can also swing more from year to year. Treat this list as a starting point for your own research. The scores describe how a company compares with its industry peers today. They do not predict future results.
The list
How Marvin ranked these stocks
Marvin included companies above a minimum size and below a small-cap ceiling, then kept only the Financial Services sector. Stocks are ranked by Overall score, highest first, with at most four from any one industry. Marvin's scores run on a scale of one hundred and are relative to each company's own industry. A score therefore shows how a company stacks up against its direct peers, not against the whole market.
Companies above about $300 million in size, ranked by Marvin scores (0-100, relative to each company's own industry). The Financial Services sector, highest Overall score first, among companies under about $2 billion in size; at most 4 per industry.
The stocks, one by one
American Integrity Insurance Group, Inc. AII
American Integrity Insurance Group, a property and casualty insurer, has an overall score of 97. Revenue grew 35.3% last fiscal year, the operating margin is 36.2%, and debt-to-equity is a low 0.09. Caution: free cash flow margin isn't available, so cash generation can't be checked here.
Gold.com, Inc. GOLD
Gold.com scores 97 overall, and revenue grew 132.4% last fiscal year. Its gross margin is thin at 1.8%, and return on equity is a modest 9.4%. Caution: operating margin and debt figures are missing, which limits what this snapshot shows.
Jefferson Capital, Inc. Common Stock JCAP
Jefferson Capital, a credit services company, has an overall score of 96. It shows a strong operating margin of 45.8%, return on equity of 32.6%, and revenue growth of 41.5%. Caution: its quality score is a lower 69, and no debt figure is available.
Washington Trust Bancorp, Inc. WASH
Washington Trust Bancorp, a regional bank, scores 96 overall, with an operating margin of 30.3% and revenue growth of 127.6%. Caution: return on equity is a more modest 10.0%, and growth that large is worth checking in the company's reports. No debt figure is available.
Capital Southwest Corporation CSWC
Capital Southwest, an asset manager, has a quality score of 87 and a high operating margin of 58.5%. Revenue grew 13.5%, and return on equity is 10.5%. Caution: debt-to-equity of 1.16 is higher than some others on this list.
Orrstown Financial Services, Inc. ORRF
Orrstown Financial Services, a regional bank, has a quality score of 92, among the highest here. Its operating margin is 41.8%, revenue growth is 30.8%, and return on equity is 13.9%. Caution: no debt-to-equity figure is available.
ACNB Corporation ACNB
ACNB Corporation, a regional bank, combines a quality score of 92 with revenue growth of 45.1% and an operating margin of 34.1%. Debt-to-equity is 0.77. Caution: return on equity of 12.9% is solid but not among the highest on this list.
Camden National Corp. CAC
Camden National, a regional bank, shows an operating margin of 42.3% and revenue growth of 44.5%, with a quality score of 88. Caution: return on equity is a moderate 12.2%, and no debt-to-equity figure is available to gauge leverage.
Fidus Investment Corporation FDUS
Fidus Investment, an asset manager, has an overall score of 94 and return on equity of 10.5%. Revenue grew a modest 6.6%, and debt-to-equity is 1.00. Caution: no operating margin is available, so profitability is harder to judge.
Exzeo Group, Inc. XZO
Exzeo Group, an insurance company, grew revenue 62.0% with an operating margin of 48.5% and return on equity of 30.1%. Its gross margin is 62.3%. Caution: its overall score of 91 is lower than most of the list, and no debt figure is available.
Atlanticus Holdings Corporation ATLC
Atlanticus Holdings, a credit services company, has a gross margin of 92.6% and return on equity of 21.9%, with revenue growth of 50.1%. Caution: its operating margin is only 7.7%, so little of each sales dollar remains after operating costs.
Gladstone Capital Corporation GLAD
Gladstone Capital, an asset manager, has an operating margin of 46.0% and return on equity of 9.9%. Caution: revenue changed by -7.8% last fiscal year, meaning it shrank, and no debt-to-equity figure is available.
Barings BDC, Inc. BBDC
Barings BDC, an asset manager, has an operating margin of 45.5% and debt-to-equity of 0.98. Caution: revenue changed by -2.4% last fiscal year, meaning it declined, and return on equity of 7.6% is the lowest on this list.
Investors Title Company ITIC
Investors Title Company, a specialty insurer, has an overall score of 86 and return on equity of 14.1%. Revenue grew a modest 5.6%. Caution: its quality score is just 65, and no margin or debt figures are available.
Velocity Financial, Inc. VEL
Velocity Financial, a mortgage lender, has an overall score of 86, an opportunity score of 96, and return on equity of 14.9%. Caution: revenue growth, margins and debt figures are all missing, so this profile is incomplete.
Common questions
What counts as a small-cap stock?
Small-cap usually means a company with a relatively small total market value compared with large, well-known firms. For this list, Marvin used a size range with a minimum and a ceiling, so very tiny and larger companies are left out.
Why do some stocks have missing figures?
Financial companies report their results differently from ordinary businesses. Banks, insurers and lenders often don't have measures like gross margin or free cash flow, so those figures can't be shown. Where a figure is missing, the profile says so.
Does a high Marvin score mean a stock will perform well?
No. The scores only describe how a company compares with other companies in its own industry today. They are not forecasts, so it helps to read each company's reports and consider your own situation.
Keep reading
- Top 15 Financial Services Stocks by Marvin's Opportunity Score
- Top 15 Fastest-Growing Profitable Financial Services Stocks
- Top 15 Financial Services Stocks Right Now
- Top 20 Financial Services Stocks, Ranked by Marvin Scores
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Marvin's scores (0-100) compare each company with others in its industry today. Growth and margin figures come from SEC filings. This is general information, not personal investment advice or a recommendation to buy or sell anything. Do your own research.