---
title: Bank Health Board — every card in one table
canonical: https://sweetvaluelab.com/tools/banks
as_of: 2026-10-16
---
# Bank Health Board

The largest US banks on the figures that decide a bank's value: return on tangible common equity, efficiency, capital, credit cost and the unrealised securities losses sitting in AOCI, with price-to-tangible-book against the return-driven theory line.
Prices as of Oct 16, 2026; trailing-twelve-month figures through Sep 30, 2026.

| Bank | Tier | Price | P/TBV | P/E | ROTCE | Efficiency | CET1 | Credit cost | AOCI / TCE | Dividend yield | Vs theory line |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | --- |
| JPM | Money center | $339.72 | 3.18× | 14.3 | 23.0% | 51.9% | 14.1% | 6.11% | -6.9% | 1.8% | 11% premium |
| BAC | Money center | $51.23 | 1.85× | 12.2 | 15.8% | 60.2% | 11.2% | 4.29% | -7.5% | 2.3% | 1% premium |
| C | Money center | $124.26 | 1.53× | 12.1 | 13.0% | 60.4% | 12.8% | 10.86% | -27.8% | 2.0% | 8% premium |
| WFC | Money center | $83.87 | 1.91× | 11.7 | 17.2% | 63.8% | 10.3% | 4.71% | -12.4% | 2.2% | 6% discount |
| USB | Super regional | $58.73 | 2.23× | 11.4 | 20.4% | 58.6% | 10.8% | 5.85% | -23.0% | 3.6% | 10% discount |
| PNC | Super regional | $217.39 | 1.94× | 11.6 | 17.6% | 58.6% | 9.9% | 2.86% | -14.4% | 3.4% | 7% discount |
| TFC | Super regional | $47.07 | 1.44× | 11.2 | 14.4% | 61.1% | 10.9% | 6.28% | -16.6% | 4.4% | 12% discount |
| FITB | Super regional | $50.37 | 2.20× | 17.2 | 11.2% | 67.0% | 9.9% | 5.15% | -15.9% | 3.2% | 88% premium |
| HBAN | Super regional | $15.27 | 1.63× | 11.4 | 12.9% | 64.3% | 10.0% | 5.51% | -11.9% | 4.1% | 15% premium |
| FCNCA | Regional | $2,123.74 | 1.25× | 11.4 | 12.0% | 63.4% | 10.8% | 3.62% | -1.2% | 0.4% | 3% discount |
| CFG | Regional | $63.36 | — | — | — | — | 10.4% | — | — | 2.9% | — |
| MTB | Regional | $215.28 | 1.59× | 11.2 | 15.3% | 53.6% | 10.2% | 5.21% | 0.0% | 2.8% | 10% discount |
| KEY | Regional | $19.99 | 1.47× | 11.6 | 14.0% | 68.7% | 11.2% | 4.54% | -16.2% | 4.1% | 6% discount |
| RF | Regional | $27.45 | 2.22× | 11.2 | 20.9% | 59.7% | 10.7% | 2.79% | -30.1% | 4.0% | 13% discount |
| PNFP | Regional | $94.72 | 1.51× | 12.0 | 9.1% | 69.4% | 9.9% | 2.20% | -2.6% | 1.8% | 74% premium |
| WAL | Regional | $74.51 | 1.51× | 8.5 | 18.0% | 56.3% | 11.0% | 12.64% | -8.3% | 2.3% | 30% discount |
| ZION | Regional | $63.37 | 1.42× | 8.1 | 17.9% | 58.5% | 11.8% | 1.36% | -28.6% | 2.9% | 33% discount |
| FLG | Regional | $11.08 | 0.67× | 595.7 | 0.6% | 92.9% | 13.2% | 2.92% | -7.0% | 0.4% | — |
| FHN | Regional | $22.88 | — | — | — | — | 10.5% | — | — | 2.9% | — |
| EWBC | Regional | $126.88 | 2.00× | 12.2 | 16.5% | 35.1% | 15.4% | 4.40% | -4.7% | 2.4% | 4% premium |
| BNY | Custody & trust | $143.30 | 5.05× | 21.4 | 25.6% | 59.3% | 11.0% | -0.24% | -22.3% | 1.6% | 57% premium |
| STT | Custody & trust | $165.72 | 2.33× | 13.5 | 18.6% | 69.8% | 10.8% | 0.13% | -8.2% | 2.1% | 5% premium |
| NTRS | Custody & trust | $165.54 | 2.59× | 14.2 | 19.0% | 67.0% | 12.2% | -0.28% | -4.7% | 2.0% | 14% premium |

## Cards

- JPMorgan Chase (JPM): https://sweetvaluelab.com/tools/banks/jpm
- Bank of America (BAC): https://sweetvaluelab.com/tools/banks/bac
- Citigroup (C): https://sweetvaluelab.com/tools/banks/c
- Wells Fargo (WFC): https://sweetvaluelab.com/tools/banks/wfc
- U.S. Bancorp (USB): https://sweetvaluelab.com/tools/banks/usb
- PNC Financial (PNC): https://sweetvaluelab.com/tools/banks/pnc
- Truist (TFC): https://sweetvaluelab.com/tools/banks/tfc
- Fifth Third (FITB): https://sweetvaluelab.com/tools/banks/fitb
- Huntington (HBAN): https://sweetvaluelab.com/tools/banks/hban
- First Citizens (FCNCA): https://sweetvaluelab.com/tools/banks/fcnca
- Citizens Financial (CFG): https://sweetvaluelab.com/tools/banks/cfg
- M&T Bank (MTB): https://sweetvaluelab.com/tools/banks/mtb
- KeyCorp (KEY): https://sweetvaluelab.com/tools/banks/key
- Regions Financial (RF): https://sweetvaluelab.com/tools/banks/rf
- Pinnacle Financial (PNFP): https://sweetvaluelab.com/tools/banks/pnfp
- Western Alliance (WAL): https://sweetvaluelab.com/tools/banks/wal
- Zions (ZION): https://sweetvaluelab.com/tools/banks/zion
- Flagstar (FLG): https://sweetvaluelab.com/tools/banks/flg
- First Horizon (FHN): https://sweetvaluelab.com/tools/banks/fhn
- East West Bancorp (EWBC): https://sweetvaluelab.com/tools/banks/ewbc
- BNY (BNY): https://sweetvaluelab.com/tools/banks/bny
- State Street (STT): https://sweetvaluelab.com/tools/banks/stt
- Northern Trust (NTRS): https://sweetvaluelab.com/tools/banks/ntrs

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Source: https://sweetvaluelab.com/tools/banks (SweetValueLab, free, no account). Quarterly statements from Financial Modeling Prep, closes from the daily price cache; the engine's rules are on the board page. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.