Top 15 Regional Bank Stocks, Ranked by Marvin Scores
Marvin's rules picked 15 regional bank stocks with the highest Overall scores in the Banks - Regional industry. Provident Financial Services and WesBanco lead, and every score compares a bank only with other regional banks.
Regional banks take deposits and make loans mostly in a particular part of the country. Their results often depend on local lending, how much they earn on loans compared with what they pay depositors, and how well they manage risk. This list shows the 15 regional banks that score highest under Marvin's rules.
Banks are measured differently from most companies. Margins such as operating margin and free cash flow margin are not meaningful for them, so this article leans on revenue growth, return on equity (profit relative to shareholder money) and, where available, the debt-to-equity ratio. Many banks have gaps in these figures, and the blurbs point them out.
A high score describes how a bank compares with its industry peers today. It is not a forecast and not advice. Treat the list as a starting point for your own research.
The list
How Marvin ranked these stocks
Marvin included companies above about $300 million in size in the Banks - Regional industry and ranked them by Overall score, highest first. Overall, Quality and Opportunity scores run on a scale of zero to one hundred and are relative to each company's own industry. A score here shows how a bank stacks up against other regional banks, not against all stocks.
Companies above about $300 million in size, ranked by Marvin scores (0-100, relative to each company's own industry). The Banks - Regional industry, highest Overall score first.
The stocks, one by one
Provident Financial Services, Inc. PFS
Provident Financial Services leads the list with an Overall score of 97 and a Quality score of 92. Revenue grew 25.3% last fiscal year, a steady pace, and return on equity was 10.8%. Caution: debt data is not available, so leverage cannot be judged here.
WesBanco, Inc. WSBC
WesBanco shares the top Overall score of 97 and has a Quality score of 95, among the highest here. Return on equity of 8.7% is fairly modest, though. Caution: revenue growth and debt figures are not available, so the picture is incomplete.
Bank of Marin Bancorp BMRC
Bank of Marin Bancorp has an Overall score of 94 and an Opportunity score of 95. Caution: return on equity is -3.6%, a negative figure that suggests the bank lost money relative to its shareholder capital. Growth and debt data are also missing.
First Busey Corporation BUSE
First Busey has an Overall score of 93, revenue growth of 55.7% and return on equity of 9.7%. Its debt-to-equity ratio of 0.06 is very low. Caution: growth that large is unusual, so it is worth checking what drove it.
Independent Bank Corp. INDB
Independent Bank Corp. has the highest Quality score on the list at 97, with an Overall score of 95. Its Opportunity score of 81 is lower than most peers here, and return on equity of 7.7% is modest. Growth and debt figures are not available.
Camden National Corp. CAC
Camden National has an Overall score of 96, revenue growth of 44.5% and return on equity of 12.2%, which suggest decent growth and profitability. Its Quality score of 89 is lower than some peers. Caution: debt data is not available.
Financial Institutions, Inc. FISI
Financial Institutions has a high Opportunity score of 96 and return on equity of 12.8%. Its debt-to-equity ratio is 0.45. Caution: its Quality score of 83 is among the lower ones here, and revenue growth is not available.
Norwood Financial Corp. NWFL
Norwood Financial has an Overall score of 92, with revenue growth of 72.3% and return on equity of 10.0%. Together these point to modest but steady results. Caution: its Quality score of 81 trails the leaders, and debt data is missing.
ACNB Corporation ACNB
ACNB Corporation shows revenue growth of 45.1% and return on equity of 12.9%, alongside a Quality score of 93. Caution: its debt-to-equity ratio of 0.77 is the highest among the banks reporting it here, and growth that large deserves a closer look.
Burke & Herbert Financial Services Corp. BHRB
Burke & Herbert Financial Services has a strong Quality score of 94 and an Overall score of 93. Return on equity of 8.1% is on the modest side. Caution: its Opportunity score is 87, and growth and debt figures are not available.
Orrstown Financial Services, Inc. ORRF
Orrstown Financial Services combines revenue growth of 30.8% with return on equity of 13.9%, the best on this list, and a Quality score of 91. Caution: growth this fast is unusual and worth understanding, and debt data is not available.
Primis Financial Corp FRST
Primis Financial has an Opportunity score of 97 and return on equity of 12.2%, which is reasonably solid. Caution: its Quality score of 49 is the lowest on the list, and growth and debt figures are not available.
Peoples Financial Services Corp. PFIS
Peoples Financial Services has an Overall score of 89, a Quality score of 71 and return on equity of 10.6%, a respectable level of profit for its equity. Caution: revenue growth and debt data are not available, so trends and leverage are unclear.
Parke Bancorp, Inc. PKBK
Parke Bancorp has return on equity of 13.2%, among the stronger profitability figures here, and an Opportunity score of 94. Its Quality score is 89. Caution: growth and debt figures are not available, so the view is partial.
Atlantic Union Bankshares Corporation AUB
Atlantic Union Bankshares closes the list with an Overall score of 95 and a Quality score of 93. Its debt-to-equity ratio is 0.39 and return on equity is 9.5%. Caution: its Opportunity score of 92 is the lowest here, and growth data is missing.
Common questions
What does return on equity tell me about a bank?
Return on equity compares a bank's profit with the money shareholders have invested in it. A higher figure generally means the bank turns its equity into profit more effectively. It should be read alongside other measures, since a single year can be unusual.
Why are some figures missing for these banks?
Marvin only shows a figure when the data is available for that company. Several banks here have no revenue growth or debt-to-equity figure, so those gaps are noted rather than filled in. Margin measures like operating margin are not shown because they are not a good fit for banks.
Does a high Marvin score mean I should buy a bank stock?
No. The scores describe how a company compares with other companies in its industry today. They are not predictions and not advice. Looking at a bank's latest reports, its local market and the risks of lending is a sensible next step.
Keep reading
- Top 15 Financial Services Stocks by Marvin's Opportunity Score
- Top 15 Financial Services Stocks Right Now
- Top 20 Mid-Cap Stocks Right Now, Ranked by Marvin Scores
- Top 20 Dividend Stocks Ranked by Marvin's 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.