{"dataset":"banks","name":"Bank Health Board","asOf":"2026-10-16","source":"https://sweetvaluelab.com/tools/banks","license":"https://creativecommons.org/licenses/by/4.0/","rows":23,"columns":["slug","name","tierLabel","pe","roa","tce","cet1","ptbv","tier","price","rotce","tbvps","dpsTtm","epsTtm","grades_cet1","grades_rotce","grades_aociToTce","grades_creditCost","grades_efficiency","lights_rate_on","lights_rate_text","lights_credit_on","lights_credit_text","lights_capital_on","lights_capital_text","payout","ticker","quality_label","quality_unavailable","quality_quartersUsed","divYield","leverage","niiShare","aociToTce","priceDate","creditCost","efficiency","ptbvTheory_r9","ptbvTheory_r10","ptbvTheory_r11","niiToAssets","totalAssets","impliedValue_r9","impliedValue_r10","impliedValue_r11","cet1Requirement","premiumVsTheory","rateSensitivity","financialsThrough","ptbvHistory_stats_n","ptbvHistory_stats_max","ptbvHistory_stats_min","ptbvHistory_stats_p25","ptbvHistory_stats_p50","ptbvHistory_stats_p75","ptbvHistory_stats_vsMedian","ptbvHistory_stats_percentile","flags_mergerClosed","ptbvHistory"],"data":[{"slug":"jpm","name":"JPMorgan Chase","tierLabel":"Money center","pe":14.328131590046395,"roa":0.012958542053541706,"tce":286458000000,"cet1":0.141,"ptbv":3.1818582828896385,"tier":"money_center","price":339.72,"rotce":0.23032695892591584,"tbvps":106.7677972418934,"dpsTtm":6.15,"epsTtm":23.71,"grades_cet1":"green","grades_rotce":"green","grades_aociToTce":"amber","grades_creditCost":"amber","grades_efficiency":"green","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.2593842260649515,"ticker":"JPM","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.018103143765453904,"leverage":17.774141409910005,"niiShare":0.5065591604274653,"aociToTce":-0.06918989869370029,"priceDate":"2026-10-16","creditCost":0.06112694498181156,"efficiency":0.5190424856387613,"ptbvTheory_r9":3.3387826487652643,"ptbvTheory_r10":2.8618136989416545,"ptbvTheory_r11":2.504086986573948,"niiToAssets":0.02021154678982509,"totalAssets":5091545000000,"impliedValue_r9":356.47446887812157,"impliedValue_r10":305.54954475267556,"impliedValue_r11":267.3558516585911,"cet1Requirement":0.115,"premiumVsTheory":0.11183278075240954,"rateSensitivity":"medium","financialsThrough":"2026-09-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":3.23883646895857,"ptbvHistory_stats_min":1.594268266331917,"ptbvHistory_stats_p25":1.947674759199911,"ptbvHistory_stats_p50":2.3286090932273376,"ptbvHistory_stats_p75":2.9468474197740133,"ptbvHistory_stats_vsMedian":0.3664201055230527,"ptbvHistory_stats_percentile":0.9},{"slug":"bac","name":"Bank of America","tierLabel":"Money center","pe":12.22673031026253,"roa":0.00937041238099906,"tce":202732000000,"cet1":0.112,"ptbv":1.8478551733322808,"tier":"money_center","price":51.23,"rotce":0.15843083479667738,"tbvps":27.72403418803419,"dpsTtm":1.1600000000000001,"epsTtm":4.1899999999999995,"grades_cet1":"amber","grades_rotce":"amber","grades_aociToTce":"amber","grades_creditCost":"green","grades_efficiency":"amber","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.27684964200477336,"ticker":"BAC","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.022642982627366783,"leverage":16.90756269360535,"niiShare":0.5199808080150934,"aociToTce":-0.0753211135883827,"priceDate":"2026-10-16","creditCost":0.04293800013011515,"efficiency":0.6023843601587405,"ptbvTheory_r9":2.1405139132779567,"ptbvTheory_r10":1.8347262113811054,"ptbvTheory_r11":1.6053854349584673,"niiToAssets":0.018654177840326937,"totalAssets":3427704000000,"impliedValue_r9":59.34368091168092,"impliedValue_r10":50.86601221001221,"impliedValue_r11":44.50776068376069,"cet1Requirement":0.1,"premiumVsTheory":0.007155815330774917,"rateSensitivity":"medium","financialsThrough":"2026-09-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.095295929362127,"ptbvHistory_stats_min":1.1659520474990246,"ptbvHistory_stats_p25":1.474339578898991,"ptbvHistory_stats_p50":1.585048855225373,"ptbvHistory_stats_p75":1.9018982199525851,"ptbvHistory_stats_vsMedian":0.16580329195565402,"ptbvHistory_stats_percentile":0.7},{"slug":"c","name":"Citigroup","tierLabel":"Money center","pe":12.122926829268293,"roa":0.006572668754426233,"tce":149204000000,"cet1":0.128,"ptbv":1.5335413266400366,"tier":"money_center","price":124.26,"rotce":0.12956757191496207,"tbvps":81.02813914526294,"dpsTtm":2.47,"epsTtm":10.25,"grades_cet1":"amber","grades_rotce":"amber","grades_aociToTce":"red","grades_creditCost":"red","grades_efficiency":"amber","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":true,"lights_credit_text":"Provision is 10.9% of net revenue","lights_capital_on":false,"lights_capital_text":null,"payout":0.24097560975609758,"ticker":"C","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.019877675840978593,"leverage":19.713084099621994,"niiShare":0.5223385820839298,"aociToTce":-0.27772713868260906,"priceDate":"2026-10-16","creditCost":0.10863084026649159,"efficiency":0.6043848414073684,"ptbvTheory_r9":1.6594595319160346,"ptbvTheory_r10":1.4223938844994581,"ptbvTheory_r11":1.2445946489370259,"niiToAssets":0.016500009689688573,"totalAssets":2941271000000,"impliedValue_r9":134.46291785802535,"impliedValue_r10":115.25392959259315,"impliedValue_r11":100.84718839351902,"cet1Requirement":0.116,"premiumVsTheory":0.0781411136196577,"rateSensitivity":"medium","financialsThrough":"2026-09-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":1.5985804606444867,"ptbvHistory_stats_min":0.48462874685309626,"ptbvHistory_stats_p25":0.5740255954342757,"ptbvHistory_stats_p50":0.7415876475703636,"ptbvHistory_stats_p75":0.9774440540063847,"ptbvHistory_stats_vsMedian":1.0679164919538802,"ptbvHistory_stats_percentile":0.95},{"slug":"wfc","name":"Wells Fargo","tierLabel":"Money center","pe":11.746498599439775,"roa":0.010211286513814682,"tce":133699000000,"cet1":0.103,"ptbv":1.9142200390429247,"tier":"money_center","price":83.87,"rotce":0.17209552801442046,"tbvps":43.81418974274947,"dpsTtm":1.8499999999999999,"epsTtm":7.140000000000001,"grades_cet1":"amber","grades_rotce":"amber","grades_aociToTce":"amber","grades_creditCost":"green","grades_efficiency":"red","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.2591036414565826,"ticker":"WFC","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.022057946822463332,"leverage":16.85346188079193,"niiShare":0.5630922579243968,"aociToTce":-0.1235012976910822,"priceDate":"2026-10-16","creditCost":0.04707200256049747,"efficiency":0.6383297326337688,"ptbvTheory_r9":2.368258800240341,"ptbvTheory_r10":2.0299361144917207,"ptbvTheory_r11":1.7761941001802557,"niiToAssets":0.02186180124981638,"totalAssets":2253291000000,"impliedValue_r9":103.76334043366651,"impliedValue_r10":88.94000608599987,"impliedValue_r11":77.82250532524988,"cet1Requirement":0.085,"premiumVsTheory":-0.0570047868121063,"rateSensitivity":"medium","financialsThrough":"2026-09-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.2509603272904704,"ptbvHistory_stats_min":1.1287779816223569,"ptbvHistory_stats_p25":1.2795988190418761,"ptbvHistory_stats_p50":1.5649604657225362,"ptbvHistory_stats_p75":1.8358389457508535,"ptbvHistory_stats_vsMedian":0.22317469416656266,"ptbvHistory_stats_percentile":0.85},{"slug":"usb","name":"U.S. Bancorp","tierLabel":"Super regional","pe":11.448343079922028,"roa":0.011913805219598103,"tce":41075000000,"cet1":0.108,"ptbv":2.229094826536823,"tier":"super_regional","price":58.73,"rotce":0.20389531345100426,"tbvps":26.347017318794098,"dpsTtm":2.1,"epsTtm":5.13,"grades_cet1":"green","grades_rotce":"green","grades_aociToTce":"red","grades_creditCost":"amber","grades_efficiency":"amber","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.40935672514619886,"ticker":"USB","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.03575685339690107,"leverage":17.114205721241632,"niiShare":0.5747742383645926,"aociToTce":-0.23035909920876446,"priceDate":"2026-10-16","creditCost":0.058483014124574115,"efficiency":0.5861202077337831,"ptbvTheory_r9":2.8982552241834045,"ptbvTheory_r10":2.484218763585775,"ptbvTheory_r11":2.1736914181375533,"niiToAssets":0.024718122924864076,"totalAssets":702966000000,"impliedValue_r9":76.36038058584563,"impliedValue_r10":65.45175478786767,"impliedValue_r11":57.27028543938422,"cet1Requirement":0.071,"premiumVsTheory":-0.10269785446781687,"rateSensitivity":"medium","financialsThrough":"2026-09-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.6794355300859602,"ptbvHistory_stats_min":1.8630685675492191,"ptbvHistory_stats_p25":1.9452397122587555,"ptbvHistory_stats_p50":2.146220604911007,"ptbvHistory_stats_p75":2.3044273526484713,"ptbvHistory_stats_vsMedian":0.03861402757767873,"ptbvHistory_stats_percentile":0.65},{"slug":"pnc","name":"PNC Financial","tierLabel":"Super regional","pe":11.569451836083022,"roa":0.012584897485887585,"tce":44987000000,"cet1":0.099,"ptbv":1.9377462378020316,"tier":"super_regional","flags_mergerClosed":"2026-01-05","price":217.39,"rotce":0.1756285149043057,"tbvps":112.18703241895261,"dpsTtm":7.4,"epsTtm":18.79,"grades_cet1":"green","grades_rotce":"amber","grades_aociToTce":"amber","grades_creditCost":"green","grades_efficiency":"amber","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.3938265034592869,"ticker":"PNC","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.034040204241225454,"leverage":13.95549825505146,"niiShare":0.6347160532994924,"aociToTce":-0.14386378287060705,"priceDate":"2026-10-16","creditCost":0.028553299492385786,"efficiency":0.5858185279187818,"ptbvTheory_r9":2.4271419150717617,"ptbvTheory_r10":2.0804073557757956,"ptbvTheory_r11":1.8203564363038212,"niiToAssets":0.025493138116900495,"totalAssets":627816000000,"impliedValue_r9":272.29384871155446,"impliedValue_r10":233.39472746704666,"impliedValue_r11":204.22038653366582,"cet1Requirement":0.07,"premiumVsTheory":-0.06857364620332485,"rateSensitivity":"medium","financialsThrough":"2026-09-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.1485148514851486,"ptbvHistory_stats_min":1.4250311946838454,"ptbvHistory_stats_p25":1.6936878503725301,"ptbvHistory_stats_p50":1.8155144877549483,"ptbvHistory_stats_p75":1.979550511905654,"ptbvHistory_stats_vsMedian":0.06732623224518264,"ptbvHistory_stats_percentile":0.7},{"slug":"tfc","name":"Truist","tierLabel":"Super regional","pe":11.154028436018956,"roa":0.010503162638955583,"tce":40429000000,"cet1":0.109,"ptbv":1.4425687699423682,"tier":"super_regional","price":47.07,"rotce":0.1444507655395879,"tbvps":32.629293646694215,"dpsTtm":2.08,"epsTtm":4.220000000000001,"grades_cet1":"green","grades_rotce":"amber","grades_aociToTce":"red","grades_creditCost":"amber","grades_efficiency":"amber","lights_rate_on":true,"lights_rate_text":"Unrealized bond losses are 16.6% of tangible equity and 70% of revenue is spread income","lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.49289099526066343,"ticker":"TFC","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.044189504992564264,"leverage":13.753073288975735,"niiShare":0.6977937649880096,"aociToTce":-0.16611838037052612,"priceDate":"2026-10-16","creditCost":0.06282973621103118,"efficiency":0.6107434052757794,"ptbvTheory_r9":1.907512758993132,"ptbvTheory_r10":1.635010936279827,"ptbvTheory_r11":1.4306345692448488,"niiToAssets":0.02616618377297342,"totalAssets":556023000000,"impliedValue_r9":62.240793948002754,"impliedValue_r10":53.34925195543092,"impliedValue_r11":46.680595461002056,"cet1Requirement":0.07,"premiumVsTheory":-0.11770084350342414,"rateSensitivity":"high","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.999709050398297,"ptbvHistory_stats_min":1.4913961974295715,"ptbvHistory_stats_p25":1.5588606632604487,"ptbvHistory_stats_p50":1.7032371336435965,"ptbvHistory_stats_p75":2.507165580490863,"ptbvHistory_stats_vsMedian":-0.15304290785605512,"ptbvHistory_stats_percentile":0},{"slug":"fitb","name":"Fifth Third","tierLabel":"Super regional","pe":17.19112627986348,"roa":0.00781682115939518,"tce":20998000000,"cet1":0.0993,"ptbv":2.1972023445090008,"tier":"super_regional","flags_mergerClosed":"2026-02-01","price":50.37,"rotce":0.11172492618344604,"tbvps":22.924606887426183,"dpsTtm":1.62,"epsTtm":2.93,"grades_cet1":"green","grades_rotce":"red","grades_aociToTce":"red","grades_creditCost":"amber","grades_efficiency":"red","lights_rate_on":true,"lights_rate_text":"Unrealized bond losses are 15.9% of tangible equity and 67% of revenue is spread income","lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.552901023890785,"ticker":"FITB","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.03216200119118523,"leverage":14.292885036670159,"niiShare":0.6699553239017125,"aociToTce":-0.15930088579864748,"priceDate":"2026-10-16","creditCost":0.051470588235294115,"efficiency":0.6700483991064781,"ptbvTheory_r9":1.362082103057434,"ptbvTheory_r10":1.1674989454778004,"ptbvTheory_r11":1.0215615772930755,"niiToAssets":0.02398358001079561,"totalAssets":300122000000,"impliedValue_r9":31.22519676099039,"impliedValue_r10":26.76445436656319,"impliedValue_r11":23.418897570742793,"cet1Requirement":0.077,"premiumVsTheory":0.8819737294150556,"rateSensitivity":"high","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.852633292212799,"ptbvHistory_stats_min":1.8612559729794933,"ptbvHistory_stats_p25":2.1171099584956634,"ptbvHistory_stats_p50":2.3066243361070757,"ptbvHistory_stats_p75":2.470687089083369,"ptbvHistory_stats_vsMedian":-0.047438150150946545,"ptbvHistory_stats_percentile":0.3},{"slug":"hban","name":"Huntington","tierLabel":"Super regional","pe":11.395522388059703,"roa":0.008444137697898473,"tce":18525000000,"cet1":0.1,"ptbv":1.627975708502024,"tier":"super_regional","flags_mergerClosed":"2026-02-01","price":15.27,"rotce":0.12944669365721997,"tbvps":9.379746835443038,"dpsTtm":0.62,"epsTtm":1.3399999999999999,"grades_cet1":"green","grades_rotce":"amber","grades_aociToTce":"amber","grades_creditCost":"amber","grades_efficiency":"red","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.46268656716417916,"ticker":"HBAN","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.040602488539620174,"leverage":15.329770580296897,"niiShare":0.7245317966659807,"aociToTce":-0.11946018893387314,"priceDate":"2026-10-16","creditCost":0.05505247993414283,"efficiency":0.6430335459971187,"ptbvTheory_r9":1.6574448942869997,"ptbvTheory_r10":1.4206670522459994,"ptbvTheory_r11":1.2430836707152497,"niiToAssets":0.024793650346498393,"totalAssets":283984000000,"impliedValue_r9":15.546413502109706,"impliedValue_r10":13.325497287522603,"impliedValue_r11":11.659810126582279,"cet1Requirement":0.07,"premiumVsTheory":0.14592346315646632,"rateSensitivity":"high","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.2302338110117446,"ptbvHistory_stats_min":1.5702833744855969,"ptbvHistory_stats_p25":1.7740965759651965,"ptbvHistory_stats_p50":1.8705547312305453,"ptbvHistory_stats_p75":2.0324364523582537,"ptbvHistory_stats_vsMedian":-0.1296829323828127,"ptbvHistory_stats_percentile":0.15},{"slug":"fcnca","name":"First Citizens","tierLabel":"Regional","pe":11.35446963216424,"roa":0.00993911552849579,"tce":19618000000,"cet1":0.1077,"ptbv":1.248803287902946,"tier":"regional","price":2123.74,"rotce":0.11999184422469161,"tbvps":1700.6201221381245,"dpsTtm":8.4,"epsTtm":187.04000000000002,"grades_cet1":"green","grades_rotce":"red","grades_aociToTce":"green","grades_creditCost":"green","grades_efficiency":"red","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.04491017964071856,"ticker":"FCNCA","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.003955286428658876,"leverage":12.072688347436028,"niiShare":0.7021587235373866,"aociToTce":-0.01172392700581099,"priceDate":"2026-10-16","creditCost":0.03618729794556262,"efficiency":0.6344770049014495,"ptbvTheory_r9":1.499864070411527,"ptbvTheory_r10":1.2855977746384515,"ptbvTheory_r11":1.1248980528086452,"niiToAssets":0.028428234856993268,"totalAssets":236842000000,"impliedValue_r9":2550.6990186138355,"impliedValue_r10":2186.3134445261444,"impliedValue_r11":1913.0242639603766,"cet1Requirement":0.07,"premiumVsTheory":-0.028620527711984534,"rateSensitivity":"high","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.1514772916916867,"ptbvHistory_stats_min":0.8039132954545454,"ptbvHistory_stats_p25":1.1286993349077479,"ptbvHistory_stats_p50":1.1902153702075031,"ptbvHistory_stats_p75":1.314098402284826,"ptbvHistory_stats_vsMedian":0.04922463544159128,"ptbvHistory_stats_percentile":0.7},{"slug":"cfg","name":"Citizens Financial","tierLabel":"Regional","pe":null,"roa":null,"tce":16842000000,"cet1":0.104,"ptbv":null,"tier":"regional","price":63.36,"rotce":null,"tbvps":null,"dpsTtm":1.84,"epsTtm":null,"grades_cet1":"amber","grades_rotce":null,"grades_aociToTce":null,"grades_creditCost":null,"grades_efficiency":null,"lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":null,"ticker":"CFG","quality_label":"Data unavailable","quality_unavailable":true,"quality_quartersUsed":2,"divYield":0.029040404040404044,"leverage":null,"niiShare":null,"aociToTce":null,"priceDate":"2026-10-16","creditCost":null,"efficiency":null,"ptbvTheory_r9":null,"ptbvTheory_r10":null,"ptbvTheory_r11":null,"niiToAssets":null,"totalAssets":234464000000,"impliedValue_r9":null,"impliedValue_r10":null,"impliedValue_r11":null,"cet1Requirement":0.09,"premiumVsTheory":null,"rateSensitivity":null,"financialsThrough":"2026-09-30","ptbvHistory":null},{"slug":"mtb","name":"M&T Bank","tierLabel":"Regional","pe":11.224191866527633,"roa":0.013677384245612444,"tce":19653000000,"cet1":0.1019,"ptbv":1.590243663562815,"tier":"regional","price":215.28,"rotce":0.1534625756881901,"tbvps":135.37548045793324,"dpsTtm":6,"epsTtm":19.18,"grades_cet1":"green","grades_rotce":"amber","grades_aociToTce":"green","grades_creditCost":"amber","grades_efficiency":"green","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.31282586027111575,"ticker":"MTB","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.027870680044593088,"leverage":11.220169948608355,"niiShare":0.7127403846153846,"aociToTce":0,"priceDate":"2026-10-16","creditCost":0.052083333333333336,"efficiency":0.5363581730769231,"ptbvTheory_r9":2.0577095948031685,"ptbvTheory_r10":1.7637510812598585,"ptbvTheory_r11":1.5432821961023764,"niiToAssets":0.03227064532220761,"totalAssets":220510000000,"impliedValue_r9":278.56342503937805,"impliedValue_r10":238.76865003375258,"impliedValue_r11":208.92256877953355,"cet1Requirement":0.072,"premiumVsTheory":-0.09837409572166278,"rateSensitivity":"high","financialsThrough":"2026-09-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.191963029001706,"ptbvHistory_stats_min":1.3537760745900418,"ptbvHistory_stats_p25":1.4801170615814703,"ptbvHistory_stats_p50":1.711178004354879,"ptbvHistory_stats_p75":1.8004056892513507,"ptbvHistory_stats_vsMedian":-0.07067315059233525,"ptbvHistory_stats_percentile":0.3},{"slug":"key","name":"KeyCorp","tierLabel":"Regional","pe":11.622093023255813,"roa":0.010610661885770737,"tce":14543000000,"cet1":0.112,"ptbv":1.472451881317472,"tier":"regional","price":19.99,"rotce":0.13958605514680603,"tbvps":13.57599542208062,"dpsTtm":0.82,"epsTtm":1.72,"grades_cet1":"green","grades_rotce":"amber","grades_aociToTce":"red","grades_creditCost":"green","grades_efficiency":"red","lights_rate_on":true,"lights_rate_text":"Unrealized bond losses are 16.2% of tangible equity and 69% of revenue is spread income","lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.4767441860465116,"ticker":"KEY","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.04102051025512757,"leverage":13.1552637007495,"niiShare":0.6881887538852783,"aociToTce":-0.16186481468747851,"priceDate":"2026-10-16","creditCost":0.04535179429217293,"efficiency":0.687341056795705,"ptbvTheory_r9":1.8264342524467672,"ptbvTheory_r10":1.5655150735258003,"ptbvTheory_r11":1.3698256893350753,"niiToAssets":0.02546036159881244,"totalAssets":191317000000,"impliedValue_r9":24.79566304994855,"impliedValue_r10":21.25342547138447,"impliedValue_r11":18.59674728746141,"cet1Requirement":0.077,"premiumVsTheory":-0.05944573372821926,"rateSensitivity":"high","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.0061016378885053,"ptbvHistory_stats_min":1.0094393518844664,"ptbvHistory_stats_p25":1.3389827308232127,"ptbvHistory_stats_p50":1.4587486095648794,"ptbvHistory_stats_p75":1.6713599007837243,"ptbvHistory_stats_vsMedian":0.00939385419992278,"ptbvHistory_stats_percentile":0.5},{"slug":"rf","name":"Regions Financial","tierLabel":"Regional","pe":11.188858695652174,"roa":0.013585519127357091,"tce":10610000000,"cet1":0.107,"ptbv":2.217214891611687,"tier":"regional","price":27.45,"rotce":0.20898523405592206,"tbvps":12.380396732788798,"dpsTtm":1.095,"epsTtm":2.453333333333333,"grades_cet1":"green","grades_rotce":"green","grades_aociToTce":"red","grades_creditCost":"green","grades_efficiency":"amber","lights_rate_on":true,"lights_rate_text":"Unrealized bond losses are 30.1% of tangible equity and 67% of revenue is spread income","lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.44633152173913043,"ticker":"RF","quality_label":"3-quarter annualized","quality_unavailable":false,"quality_quartersUsed":3,"divYield":0.03989071038251366,"leverage":15.382940622054665,"niiShare":0.6676021750570074,"aociToTce":-0.3013195098963242,"priceDate":"2026-10-16","creditCost":0.02788984388703736,"efficiency":0.5967374144886861,"ptbvTheory_r9":2.983087234265368,"ptbvTheory_r10":2.5569319150846006,"ptbvTheory_r11":2.237315425699026,"niiToAssets":0.03109229452719248,"totalAssets":163213000000,"impliedValue_r9":36.93180344872293,"impliedValue_r10":31.655831527476792,"impliedValue_r11":27.6988525865422,"cet1Requirement":0.07,"premiumVsTheory":-0.13286119253655349,"rateSensitivity":"high","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.8157910447761196,"ptbvHistory_stats_min":1.963977823977824,"ptbvHistory_stats_p25":2.028513291586204,"ptbvHistory_stats_p50":2.1317657857423704,"ptbvHistory_stats_p75":2.3090799010249343,"ptbvHistory_stats_vsMedian":0.040083721411055206,"ptbvHistory_stats_percentile":0.7},{"slug":"pnfp","name":"Pinnacle Financial","tierLabel":"Regional","pe":11.95959595959596,"roa":0.006692557436751773,"tce":9523000000,"cet1":0.0993,"ptbv":1.5065681990969233,"tier":"regional","price":94.72,"rotce":0.09069704924918619,"tbvps":62.87136556896506,"dpsTtm":1.74,"epsTtm":7.919999999999999,"grades_cet1":"green","grades_rotce":"red","grades_aociToTce":"green","grades_creditCost":"green","grades_efficiency":"red","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.21969696969696972,"ticker":"PNFP","quality_label":"3-quarter annualized","quality_unavailable":false,"quality_quartersUsed":3,"divYield":0.018369932432432432,"leverage":13.551926913787671,"niiShare":0.8028920314774749,"aociToTce":-0.025937204662396303,"priceDate":"2026-10-16","creditCost":0.022026400914060676,"efficiency":0.6935718571122897,"ptbvTheory_r9":1.0116174874864365,"ptbvTheory_r10":0.8671007035598026,"ptbvTheory_r11":0.7587131156148273,"niiToAssets":0.023725646688104552,"totalAssets":129055000000,"impliedValue_r9":63.60177287171769,"impliedValue_r10":54.51580531861516,"impliedValue_r11":47.701329653788264,"cet1Requirement":0.07,"premiumVsTheory":0.7374777726645192,"rateSensitivity":"high","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.2874912447478906,"ptbvHistory_stats_min":0.724477366947209,"ptbvHistory_stats_p25":1.5007436578986209,"ptbvHistory_stats_p50":1.667047922450031,"ptbvHistory_stats_p75":1.8809109071780215,"ptbvHistory_stats_vsMedian":-0.09626581287312574,"ptbvHistory_stats_percentile":0.3},{"slug":"wal","name":"Western Alliance","tierLabel":"Regional","pe":8.544724770642203,"roa":0.009843871895928107,"tce":5403000000,"cet1":0.11,"ptbv":1.507300203590598,"tier":"regional","price":74.51,"rotce":0.17982602258004812,"tbvps":49.4327538883806,"dpsTtm":1.68,"epsTtm":8.719999999999999,"grades_cet1":"green","grades_rotce":"amber","grades_aociToTce":"amber","grades_creditCost":"red","grades_efficiency":"amber","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":true,"lights_credit_text":"Provision is 12.6% of net revenue","lights_capital_on":false,"lights_capital_text":null,"payout":0.1926605504587156,"ticker":"WAL","quality_label":"3-quarter annualized","quality_unavailable":false,"quality_quartersUsed":3,"divYield":0.022547309086028717,"leverage":18.267814177308903,"niiShare":0.7879133015807275,"aociToTce":-0.08347214510457153,"priceDate":"2026-10-16","creditCost":0.1263891765030717,"efficiency":0.5627113964243804,"ptbvTheory_r9":2.4971003763341355,"ptbvTheory_r10":2.1403717511435443,"ptbvTheory_r11":1.8728252822506015,"niiToAssets":0.0308392687679625,"totalAssets":98701000000,"impliedValue_r9":123.4385483379079,"impliedValue_r10":105.80447000392104,"impliedValue_r11":92.57891125343092,"cet1Requirement":0.07,"premiumVsTheory":-0.29577644500994404,"rateSensitivity":"high","financialsThrough":"2026-03-31","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":3.7609014403086847,"ptbvHistory_stats_min":1.0577032151690025,"ptbvHistory_stats_p25":1.6522115721762143,"ptbvHistory_stats_p50":1.7862854973056321,"ptbvHistory_stats_p75":2.0990994450209186,"ptbvHistory_stats_vsMedian":-0.15618180528020031,"ptbvHistory_stats_percentile":0.2},{"slug":"zion","name":"Zions","tierLabel":"Regional","pe":8.06234096692112,"roa":0.013151244932109927,"tce":6529000000,"cet1":0.118,"ptbv":1.4191036452749273,"tier":"regional","price":63.37,"rotce":0.17935365293306785,"tbvps":44.654948361945145,"dpsTtm":1.8299999999999998,"epsTtm":7.859999999999999,"grades_cet1":"green","grades_rotce":"amber","grades_aociToTce":"red","grades_creditCost":"green","grades_efficiency":"amber","lights_rate_on":true,"lights_rate_text":"Unrealized bond losses are 28.6% of tangible equity and 72% of revenue is spread income","lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.23282442748091603,"ticker":"ZION","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.028878017989584975,"leverage":13.637769949456272,"niiShare":0.7203208556149733,"aociToTce":-0.28595497013325166,"priceDate":"2026-10-16","creditCost":0.013636363636363636,"efficiency":0.5850267379679145,"ptbvTheory_r9":2.489227548884464,"ptbvTheory_r10":2.1336236133295405,"ptbvTheory_r11":1.866920661663348,"niiToAssets":0.030255724890780652,"totalAssets":89041000000,"impliedValue_r9":111.15632765656703,"impliedValue_r10":95.27685227705744,"impliedValue_r11":83.36724574242527,"cet1Requirement":0.07,"premiumVsTheory":-0.33488566755201865,"rateSensitivity":"high","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.364500657976412,"ptbvHistory_stats_min":1.04922363395927,"ptbvHistory_stats_p25":1.4077853119980404,"ptbvHistory_stats_p50":1.4676401441325302,"ptbvHistory_stats_p75":1.6012305321630023,"ptbvHistory_stats_vsMedian":-0.03307111695714149,"ptbvHistory_stats_percentile":0.3},{"slug":"flg","name":"Flagstar","tierLabel":"Regional","pe":595.6989247311831,"roa":0.0005472330528763937,"tce":7807000000,"cet1":0.1316,"ptbv":0.6721847724554886,"tier":"regional","price":11.08,"rotce":0.00614832842320994,"tbvps":16.4835629339308,"dpsTtm":0.04,"epsTtm":0.01859999999999999,"grades_cet1":"green","grades_rotce":"red","grades_aociToTce":"amber","grades_creditCost":"green","grades_efficiency":"red","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":2.1505376344086033,"ticker":"FLG","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.0036101083032490976,"leverage":11.235301652363264,"niiShare":0.8778437190900099,"aociToTce":-0.07006532598949661,"priceDate":"2026-10-16","creditCost":0.029179030662710187,"efficiency":0.9292779426310583,"ptbvTheory_r9":null,"ptbvTheory_r10":null,"ptbvTheory_r11":null,"niiToAssets":0.020236222267824976,"totalAssets":87714000000,"impliedValue_r9":null,"impliedValue_r10":null,"impliedValue_r11":null,"cet1Requirement":0.07,"premiumVsTheory":null,"rateSensitivity":"high","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":1.481685044576523,"ptbvHistory_stats_min":0.3840383207091056,"ptbvHistory_stats_p25":0.6532504924580765,"ptbvHistory_stats_p50":0.9604602967165659,"ptbvHistory_stats_p75":1.2182575425725233,"ptbvHistory_stats_vsMedian":-0.30014309310502196,"ptbvHistory_stats_percentile":0.35},{"slug":"fhn","name":"First Horizon","tierLabel":"Regional","pe":null,"roa":null,"tce":7281000000,"cet1":0.105,"ptbv":null,"tier":"regional","price":22.88,"rotce":null,"tbvps":null,"dpsTtm":0.66,"epsTtm":null,"grades_cet1":"green","grades_rotce":null,"grades_aociToTce":null,"grades_creditCost":null,"grades_efficiency":null,"lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":null,"ticker":"FHN","quality_label":"Data unavailable","quality_unavailable":true,"quality_quartersUsed":2,"divYield":0.028846153846153848,"leverage":null,"niiShare":null,"aociToTce":null,"priceDate":"2026-10-16","creditCost":null,"efficiency":null,"ptbvTheory_r9":null,"ptbvTheory_r10":null,"ptbvTheory_r11":null,"niiToAssets":null,"totalAssets":78456000000,"impliedValue_r9":null,"impliedValue_r10":null,"impliedValue_r11":null,"cet1Requirement":0.07,"premiumVsTheory":null,"rateSensitivity":null,"financialsThrough":"2026-09-30","ptbvHistory":null},{"slug":"ewbc","name":"East West Bancorp","tierLabel":"Regional","pe":12.200000000000001,"roa":0.017327232398288546,"tce":8780232000,"cet1":0.1544,"ptbv":2.0023967293802714,"tier":"regional","price":126.88,"rotce":0.1647064678928757,"tbvps":63.364066739795625,"dpsTtm":3.0000000000000004,"epsTtm":10.399999999999999,"grades_cet1":"green","grades_rotce":"amber","grades_aociToTce":"green","grades_creditCost":"green","grades_efficiency":"green","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.28846153846153855,"ticker":"EWBC","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.023644388398486763,"leverage":9.505641992147815,"niiShare":0.8772043393484719,"aociToTce":-0.04712700074439947,"priceDate":"2026-10-16","creditCost":0.0440036689281293,"efficiency":0.3506919658427224,"ptbvTheory_r9":2.2451077982145953,"ptbvTheory_r10":1.9243781127553672,"ptbvTheory_r11":1.6838308486609463,"niiToAssets":0.03224469002815685,"totalAssets":83461742000,"impliedValue_r9":142.2591603641052,"impliedValue_r10":121.93642316923304,"impliedValue_r11":106.69437027307892,"cet1Requirement":0.07,"premiumVsTheory":0.04054224900385894,"rateSensitivity":"high","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.160748797338709,"ptbvHistory_stats_min":1.2218626036921492,"ptbvHistory_stats_p25":1.598512336033025,"ptbvHistory_stats_p50":1.7657440610776953,"ptbvHistory_stats_p75":1.8477445974938698,"ptbvHistory_stats_vsMedian":0.13402433201906883,"ptbvHistory_stats_percentile":0.8},{"slug":"bny","name":"BNY","tierLabel":"Custody & trust","pe":21.42002989536622,"roa":0.010241222387769644,"tce":19797000000,"cet1":0.11,"ptbv":5.053639500934485,"tier":"custody","price":143.3,"rotce":0.2555437692579684,"tbvps":28.355801788691483,"dpsTtm":2.271,"epsTtm":6.6899999999999995,"grades_cet1":"green","grades_rotce":"green","grades_aociToTce":"red","grades_creditCost":"green","grades_efficiency":"green","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.33946188340807176,"ticker":"BNY","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.015847871598046057,"leverage":24.952467545587716,"niiShare":0.24381956649091974,"aociToTce":-0.2228620498055261,"priceDate":"2026-10-16","creditCost":-0.0024018746338605743,"efficiency":0.5931458699472759,"ptbvTheory_r9":3.75906282096614,"ptbvTheory_r10":3.2220538465424053,"ptbvTheory_r11":2.819297115724605,"niiToAssets":0.008425374101185464,"totalAssets":493984000000,"impliedValue_r9":106.59124026255533,"impliedValue_r10":91.36392022504741,"impliedValue_r11":79.9434301969165,"cet1Requirement":0.085,"premiumVsTheory":0.5684528383526426,"rateSensitivity":"low","financialsThrough":"2026-09-30","ptbvHistory_stats_n":19,"ptbvHistory_stats_max":4.954192847539134,"ptbvHistory_stats_min":2.264377565365025,"ptbvHistory_stats_p25":2.5440910312587826,"ptbvHistory_stats_p50":3.0088960187165776,"ptbvHistory_stats_p75":3.8515073620935585,"ptbvHistory_stats_vsMedian":0.6795660167379522,"ptbvHistory_stats_percentile":1},{"slug":"stt","name":"State Street","tierLabel":"Custody & trust","pe":13.53921568627451,"roa":0.009136189973248443,"tce":19853000000,"cet1":0.108,"ptbv":2.331348926610588,"tier":"custody","price":165.72,"rotce":0.1856142648466227,"tbvps":71.08331065694685,"dpsTtm":3.44,"epsTtm":12.24,"grades_cet1":"green","grades_rotce":"green","grades_aociToTce":"amber","grades_creditCost":"green","grades_efficiency":"amber","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.28104575163398693,"ticker":"STT","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.02075790489983104,"leverage":20.316375358887825,"niiShare":0.21692267974699883,"aociToTce":-0.08180123910743968,"priceDate":"2026-10-16","creditCost":0.001290822253775655,"efficiency":0.6976894281657415,"ptbvTheory_r9":2.593571080777045,"ptbvTheory_r10":2.223060926380324,"ptbvTheory_r11":1.9451783105827836,"niiToAssets":0.008332899457283043,"totalAssets":403341000000,"impliedValue_r9":184.3596188457481,"impliedValue_r10":158.0225304392126,"impliedValue_r11":138.26971413431104,"cet1Requirement":0.08,"premiumVsTheory":0.04871121566901149,"rateSensitivity":"low","financialsThrough":"2026-09-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":3.0389200228035724,"ptbvHistory_stats_min":1.5350598915474818,"ptbvHistory_stats_p25":1.8227640780032712,"ptbvHistory_stats_p50":1.9485235017788574,"ptbvHistory_stats_p75":2.1684150875020327,"ptbvHistory_stats_vsMedian":0.19646949317380025,"ptbvHistory_stats_percentile":0.8},{"slug":"ntrs","name":"Northern Trust","tierLabel":"Custody & trust","pe":14.209442060085838,"roa":0.012500474073214751,"tce":11807100000,"cet1":0.122,"ptbv":2.592227608811647,"tier":"custody","price":165.54,"rotce":0.18982646035012832,"tbvps":63.860133052085025,"dpsTtm":3.2800000000000002,"epsTtm":11.649999999999999,"grades_cet1":"green","grades_rotce":"green","grades_aociToTce":"green","grades_creditCost":"green","grades_efficiency":"amber","lights_rate_on":false,"lights_rate_text":null,"lights_credit_on":false,"lights_credit_text":null,"lights_capital_on":false,"lights_capital_text":null,"payout":0.28154506437768245,"ticker":"NTRS","quality_label":"4-quarter TTM","quality_unavailable":false,"quality_quartersUsed":4,"divYield":0.01981394224960735,"leverage":15.185540903354761,"niiShare":0.2830172004286298,"aociToTce":-0.046726122417867215,"priceDate":"2026-10-16","creditCost":-0.0027949315628417715,"efficiency":0.6702091227449984,"ptbvTheory_r9":2.6637743391688056,"ptbvTheory_r10":2.2832351478589756,"ptbvTheory_r11":1.9978307543766038,"niiToAssets":0.014288566692619851,"totalAssets":179297200000,"impliedValue_r9":170.1089837200498,"impliedValue_r10":145.8077003314712,"impliedValue_r11":127.58173779003732,"cet1Requirement":0.07,"premiumVsTheory":0.1353309847399724,"rateSensitivity":"low","financialsThrough":"2026-06-30","ptbvHistory_stats_n":20,"ptbvHistory_stats_max":2.8829392999512775,"ptbvHistory_stats_min":1.4022044344904816,"ptbvHistory_stats_p25":1.7073784573855542,"ptbvHistory_stats_p50":1.898468833448157,"ptbvHistory_stats_p75":2.264450155664033,"ptbvHistory_stats_vsMedian":0.3654306897961701,"ptbvHistory_stats_percentile":0.9}]}
