Banks - Regional Stock Industry Value Analysis

Banks - Regional Industry: Stock Analysis & Valuation

Industry: Banks - Regional | Sector: Financial Services

Companies that provide financial services include banks, savings and loans, asset management companies, credit services, investment brokerage firms, and insurance companies. Companies in this sector include Allianz, JPMorgan Chase, and Legg Mason.

The Banks - Regional industry represents a focused group of companies with highly similar business models, competitive dynamics, and market forces. This granular view makes it easier to spot which companies have sustainable competitive advantages and which are likely overvalued or undervalued.

Your Industry Knowledge = Investment Edge

If you work in Banks - Regional, follow industry news, or understand the competitive landscape, you have a significant advantage over Wall Street analysts. Use this knowledge to evaluate which companies have durable moats, realistic growth prospects, and strong margins of safety.

Banks - Regional Stocks: Value Metrics

Review the stocks in this list to compare valuations, cash flow metrics, and value investing indicators. Look for companies trading below intrinsic value with sustainable competitive advantages.

Discounted stocks in the index
Company	Current Price	Current Price Discount 10 years
Community West Bancshares (CWBC)	$24.90	none
State Street Corporation (STT)	$186.68	none
Popular (BPOP)	$173.96	none
Flushing Financial Corporation (FFIC)	$15.47	none
Live Oak Bancshares (LOB)	$42.23	none
Chemung Financial Corporation (CHMG)	$81.24	none
FB Financial Corporation (FBK)	$60.74	none
SB Financial Group (SBFG)	$26.55	none
Commerce Bancshares (CBSH)	$58.65	none
Park National Corporation (PRK)	$200.94	none
Equity Bancshares (EQBK)	$50.69	none
Valley National Bancorp (VLY)	$14.65	none
Republic Bancorp (RBCAA)	$97.51	none
Community Trust Bancorp (CTBI)	$77.47	none
Webster Financial Corporation (WBS)	$78.70	none
Union Bankshares (UNB)	$23.69	none
Hilltop Holdings (HTH)	$38.77	none
Bar Harbor Bankshares (BHB)	$39.36	none
First Financial Corporation (THFF)	$80.93	none
LCNB Corp. (LCNB)	$19.58	none
Stock Yards Bancorp (SYBT)	$83.15	none
The Bank of Nova Scotia (BNS)	$88.56	none
City Holding Company (CHCO)	$145.00	none
Camden National Corporation (CAC)	$57.38	none
Southside Bancshares (SBSI)	$31.96	none
Eagle Financial Services (EFSI)	$42.87	none
National Australia Bank Limited (NABZY)	$14.54	none
BOK Financial Corporation (BOKF)	$143.16	none
CVB Financial Corp. (CVBF)	$22.55	none
Seacoast Banking Corporation of Florida (SBCF)	$34.82	none
U.S. Bancorp (USB)	$64.19	none
United Bancshares (UBOH)	$38.56	none
CB Financial Services (CBFV)	$37.37	none
Independent Bank Corporation (IBCP)	$37.90	none
Shore Bancshares (SHBI)	$23.60	none
Central Pacific Financial Corp. (CPF)	$38.49	none
State Street Corporation (STT )	$186.68	none
Bankwell Financial Group (BWFG)	$66.83	none
ACNB Corporation (ACNB)	$63.49	none
Wintrust Financial Corporation (WTFC)	$159.20	none
German American Bancorp (GABC)	$49.69	none
United Bancorp (UBCP)	$15.65	none
Unity Bancorp (UNTY)	$59.51	none
OceanFirst Financial Corp. (OCFC)	$19.00	none
Ames National Corporation (ATLO)	$31.01	none
Fifth Third Bancorp (FITBI)	$25.69	none
Associated Banc-Corp (ASB)	$31.35	none
Meta Financial Group (CASH)	$87.04	none
Horizon Bancorp (HBNC)	$20.22	none
First Financial Bankshares (FFIN)	$34.37	none
Eagle Bancorp (EGBN)	$27.64	25.1%
Pacific Financial Corporation (PFLC)	$18.35	none
Truist Financial Corporation (TFC)	$51.86	none
First Interstate BancSystem (FIBK)	$37.38	none
CIT Group (CIT)	$0.00	none
Northern Trust Corporation (NTRS)	$187.86	none
Newtek Business Services Corp. (NEWT)	$12.88	none
National Bankshares (NKSH)	$40.33	none
Banc of California (BANC)	$18.95	none
Sierra Bancorp (BSRR)	$39.83	none
Summit Financial Group (SMMF)	$0.00	none
First Busey Corporation (BUSE)	$30.82	none
Cathay General Bancorp (CATY)	$63.37	none
BancFirst Corporation (BANF)	$112.29	none
American National Bankshares (AMNB)	$0.00	none
Trustmark Corporation (TRMK)	$47.30	none
National Bank Holdings Corporation (NBHC)	$43.19	none
(SRCE )	$89.74	none
Bank OZK (OZK)	$51.30	none
Old National Bancorp (ONB)	$26.64	none
Ameris Bancorp (ABCB)	$87.83	none
QCR Holdings (QCRH)	$102.95	none
ConnectOne Bancorp (CNOB)	$32.94	none
The PNC Financial Services Group (PNC)	$248.49	none
Capital City Bank Group (CCBG)	$52.30	none
Capital One Financial Corporation (COF)	$208.71	none
Bank of Marin Bancorp (BMRC)	$29.50	none
KeyCorp (KEY)	$22.18	none
Citigroup (C)	$127.13	19.1%
M&T Bank Corporation (MTB)	$250.33	none
Regions Financial Corporation (RF)	$30.94	none
Community Bank System (CBU)	$66.10	none
California First National Bancorp (CFNB)	$33.95	none
JPMorgan Chase & Co. (JPM)	$344.71	none
Wells Fargo & Company (WFC)	$83.87	none
BB&T Corporation (BBT)	$29.84	34.8%
Fifth Third Bancorp (FITB)	$56.57	none
Arrow Financial Corporation (AROW)	$40.05	none

Discounted stocks in the index

Community West Bancshares
(CWBC)

$24.90

none

State Street Corporation
(STT)

$186.68

none

Popular
(BPOP)

$173.96

none

Flushing Financial Corporation
(FFIC)

$15.47

none

Live Oak Bancshares
(LOB)

$42.23

none

Chemung Financial Corporation
(CHMG)

$81.24

none

FB Financial Corporation
(FBK)

$60.74

none

SB Financial Group
(SBFG)

$26.55

none

Commerce Bancshares
(CBSH)

$58.65

none

Park National Corporation
(PRK)

$200.94

none

Equity Bancshares
(EQBK)

$50.69

none

Valley National Bancorp
(VLY)

$14.65

none

Republic Bancorp
(RBCAA)

$97.51

none

Community Trust Bancorp
(CTBI)

$77.47

none

Webster Financial Corporation
(WBS)

$78.70

none

Union Bankshares
(UNB)

$23.69

none

Hilltop Holdings
(HTH)

$38.77

none

Bar Harbor Bankshares
(BHB)

$39.36

none

First Financial Corporation
(THFF)

$80.93

none

LCNB Corp.
(LCNB)

$19.58

none

Stock Yards Bancorp
(SYBT)

$83.15

none

The Bank of Nova Scotia
(BNS)

$88.56

none

City Holding Company
(CHCO)

$145.00

none

Camden National Corporation
(CAC)

$57.38

none

Southside Bancshares
(SBSI)

$31.96

none

Eagle Financial Services
(EFSI)

$42.87

none

National Australia Bank Limited
(NABZY)

$14.54

none

BOK Financial Corporation
(BOKF)

$143.16

none

CVB Financial Corp.
(CVBF)

$22.55

none

Seacoast Banking Corporation of Florida
(SBCF)

$34.82

none

U.S. Bancorp
(USB)

$64.19

none

United Bancshares
(UBOH)

$38.56

none

CB Financial Services
(CBFV)

$37.37

none

Independent Bank Corporation
(IBCP)

$37.90

none

Shore Bancshares
(SHBI)

$23.60

none

Central Pacific Financial Corp.
(CPF)

$38.49

none

State Street Corporation
(STT )

$186.68

none

Bankwell Financial Group
(BWFG)

$66.83

none

ACNB Corporation
(ACNB)

$63.49

none

Wintrust Financial Corporation
(WTFC)

$159.20

none

German American Bancorp
(GABC)

$49.69

none

United Bancorp
(UBCP)

$15.65

none

Unity Bancorp
(UNTY)

$59.51

none

OceanFirst Financial Corp.
(OCFC)

$19.00

none

Ames National Corporation
(ATLO)

$31.01

none

Fifth Third Bancorp
(FITBI)

$25.69

none

Associated Banc-Corp
(ASB)

$31.35

none

Meta Financial Group
(CASH)

$87.04

none

Horizon Bancorp
(HBNC)

$20.22

none

First Financial Bankshares
(FFIN)

$34.37

none

Eagle Bancorp
(EGBN)

$27.64

25.1%

Pacific Financial Corporation
(PFLC)

$18.35

none

Truist Financial Corporation
(TFC)

$51.86

none

First Interstate BancSystem
(FIBK)

$37.38

none

CIT Group
(CIT)

$0.00

none

Northern Trust Corporation
(NTRS)

$187.86

none

Newtek Business Services Corp.
(NEWT)

$12.88

none

National Bankshares
(NKSH)

$40.33

none

Banc of California
(BANC)

$18.95

none

Sierra Bancorp
(BSRR)

$39.83

none

Summit Financial Group
(SMMF)

$0.00

none

First Busey Corporation
(BUSE)

$30.82

none

Cathay General Bancorp
(CATY)

$63.37

none

BancFirst Corporation
(BANF)

$112.29

none

American National Bankshares
(AMNB)

$0.00

none

Trustmark Corporation
(TRMK)

$47.30

none

National Bank Holdings Corporation
(NBHC)

$43.19

none

(SRCE )

$89.74

none

Bank OZK
(OZK)

$51.30

none

Old National Bancorp
(ONB)

$26.64

none

Ameris Bancorp
(ABCB)

$87.83

none

QCR Holdings
(QCRH)

$102.95

none

ConnectOne Bancorp
(CNOB)

$32.94

none

The PNC Financial Services Group
(PNC)

$248.49

none

Capital City Bank Group
(CCBG)

$52.30

none

Capital One Financial Corporation
(COF)

$208.71

none

Bank of Marin Bancorp
(BMRC)

$29.50

none

KeyCorp
(KEY)

$22.18

none

Citigroup
(C)

$127.13

19.1%

M&T Bank Corporation
(MTB)

$250.33

none

Regions Financial Corporation
(RF)

$30.94

none

Community Bank System
(CBU)

$66.10

none

California First National Bancorp
(CFNB)

$33.95

none

JPMorgan Chase & Co.
(JPM)

$344.71

none

Wells Fargo & Company
(WFC)

$83.87

none

BB&T Corporation
(BBT)

$29.84

34.8%

Fifth Third Bancorp
(FITB)

$56.57

none

Arrow Financial Corporation
(AROW)

$40.05

none

Industry-Level Investment Strategy

Industry analysis allows you to compare companies operating in nearly identical markets. This granularity reveals which businesses have true competitive advantages versus those merely benefiting from industry tailwinds.

Industry Leaders

Established companies with:

Strong brand recognition
Pricing power
Economies of scale
Distribution advantages
Customer loyalty

Often safer, but may trade at premium valuations

Niche Players

Specialists focusing on:

Specific market segments
Unique technologies
Geographic advantages
Specialized expertise
Customer relationships

Can offer excellent value if moat is strong

Emerging Competitors

Growth companies with:

Innovative business models
Technology advantages
Market share gains
Scalable platforms
Strong growth rates

Higher risk but potential for outsized returns

Key Questions for Banks - Regional Stocks

Competitive Analysis:

What creates customer switching costs?
How sustainable is the competitive moat?
Can new entrants easily disrupt the market?
What drives profitability differences?

Valuation Context:

How do P/E ratios compare within the industry?
Which companies generate superior returns?
Are dividends sustainable?
What's the realistic growth trajectory?