Financial Health Scores: Financial Services

Top Financial Services companies by financial health score. Each score is a 0-100 composite of six dimensions ranked as percentiles within the company's peer group (banks against banks, REITs against REITs), so it measures standing among peers rather than absolute cross-industry strength.

Rates the quality of the business, not whether the stock is cheap. A 0–100 composite of profitability, growth, leverage, liquidity, cash flow, and returns.

A high score means strong fundamentals, but not a guaranteed good trade. A great business can still be a bad buy at the wrong price.

Banks, REITs, insurers, and early-stage companies are scored on sector-tailored metrics. Full methodology →

Research tool, not financial advice. Use alongside valuation analysis and your own view of the business.

Data as of FY 2025 100 companies Rhea AI

# Company Dimensions

JHG Janus Henderson Group … 87 Profit Growth Debt Cash Flow Return 7/9 Safe 2

SEIC SEI Investments Compan… 85 Profit Growth Debt Cash Flow Return 3/9 - 3

MCBS MetroCity Bankshares, … Bank 82 Earn Growth Cap Eff Credit Stable 2/9 - 4

HNNA Hennessy Advisors, Inc… 82 Profit Growth Debt Cash Flow Return 5/9 Grey 5

SWKH SWK Holdings Corp Check Earnings One-time Loss 81 Profit Growth Debt Cash Flow Return 5/9 Distress 6

FHI Federated Hermes, Inc. Check Earnings 81 Profit Growth Debt Cash Flow Return 6/9 Safe 7

GBFH GBank Financial Holdin… Bank Check Earnings New Filer 79 Earn Growth Cap Eff Credit Stable 3/9 - 8

V Visa Inc. 78 Profit Growth Debt Cash Flow Return 5/9 Safe 9

SEZL Sezzle Inc. 77 Profit Growth Debt Cash Flow Return 6/9 Safe 10

PRK Park National Corporat… Bank 76 Earn Growth Cap Eff Credit Stable 5/9 - 11

QFIN Qfin Holdings, Inc. 75 Profit Growth Debt Cash Flow Return 5/9 Grey 12

MCO Moody's Corporation 75 Profit Growth Debt Cash Flow Return 8/9 Safe 13

MA Mastercard Incorporate… 75 Profit Growth Debt Cash Flow Return 7/9 Safe 14

SRCE 1st Source Corporation Bank 74 Earn Growth Cap Eff Credit Stable 6/9 - 15

NMIH NMI Holdings, Inc. Insurer 74 Loss Premium Cap Invest Combo Stable 4/9 - 16

HOMB Home BancShares, Inc. Bank 74 Earn Growth Cap Eff Credit Stable 5/9 - 17

BANF BancFirst Corporation Bank 74 Earn Growth Cap Eff Credit Stable 4/9 - 18

PKBK Parke Bancorp, Inc. Bank Check Earnings 73 Earn Growth Cap Eff Credit Stable 6/9 - 19

NIC Nicolet Bankshares, In… Bank 73 Earn Growth Cap Eff Credit Stable 6/9 - 20

JFIN Jiayin Group Inc. Data Issue 73 Profit Growth Debt Cash Flow Return 2/9 Grey 21

UBSI United Bankshares, Inc… Bank 72 Earn Growth Cap Eff Credit Stable 7/9 - 22

EZPW EZCORP, Inc. 72 Profit Growth Debt Cash Flow Return 5/9 Safe 23

ACT Enact Holdings, Inc. Insurer 71 Loss Premium Cap Invest Combo Stable 5/9 - 24

WABC Westamerica Bancorpora… Bank 70 Earn Growth Cap Eff Credit Stable 4/9 - 25

NOAH Noah Holdings Limited 70 Profit Growth Debt Cash Flow Return 5/9 Grey 26

MTG MGIC Investment Corpor… Insurer 70 Loss Premium Cap Invest Combo Stable 4/9 - 27

WT WisdomTree, Inc. Check Earnings 69 Profit Growth Debt Cash Flow Return 5/9 Safe 28

RDN Radian Group Inc. Insurer Check Earnings 69 Loss Premium Cap Invest Combo Stable 5/9 - 29

HDB HDFC Bank Limited Bank 69 Earn Growth Cap Eff Credit Stable 5/9 - 30

GABC German American Bancor… Bank Check Earnings 69 Earn Growth Cap Eff Credit Stable 6/9 - 31

CBC Central Bancompany, In… Bank New Filer 69 Earn Growth Cap Eff Credit Stable 4/9 - 32

BFC Bank First Corporation Bank 69 Earn Growth Cap Eff Credit Stable 4/9 - 33

SFBS ServisFirst Bancshares… Bank 68 Earn Growth Cap Eff Credit Stable 5/9 - 34

PYPL PayPal Holdings, Inc. 68 Profit Growth Debt Cash Flow Return 8/9 Grey 35

FFIN First Financial Banksh… Bank 68 Earn Growth Cap Eff Credit Stable 5/9 - 36

FDS FactSet Research Syste… 68 Profit Growth Debt Cash Flow Return 6/9 Safe 37

PLMR Palomar Holdings, Inc. Insurer 67 Loss Premium Cap Invest Combo Stable 5/9 - 38

MBNKO Medallion Bank Bank 67 Earn Growth Cap Eff Credit Stable 6/9 - 39

COSO CoastalSouth Bancshare… Bank New Filer 67 Earn Growth Cap Eff Credit Stable 5/9 - 40

ACNB ACNB Corporation Bank Check Earnings 67 Earn Growth Cap Eff Credit Stable 6/9 - 41

ABCB Ameris Bancorp Bank 67 Earn Growth Cap Eff Credit Stable 5/9 - 42

VALU Value Line, Inc. 66 Profit Growth Debt Cash Flow Return 4/9 Safe 43

MSCI MSCI Inc. Data Issue 66 Profit Growth Debt Cash Flow Return 8/9 Safe 44

BVFL BV Financial, Inc. Bank 66 Earn Growth Cap Eff Credit Stable 7/9 - 45

AII American Integrity Ins… Insurer New Filer 66 Loss Premium Cap Invest Combo Stable 6/9 - 46

GSBC Great Southern Bancorp… Bank 65 Earn Growth Cap Eff Credit Stable 6/9 - 47

GCBC Greene County Bancorp,… Bank 65 Earn Growth Cap Eff Credit Stable 6/9 - 48

FRME First Merchants Corpor… Bank 65 Earn Growth Cap Eff Credit Stable 4/9 - 49

EWBC East West Bancorp, Inc… Bank 65 Earn Growth Cap Eff Credit Stable 7/9 - 50

CTBI Community Trust Bancor… Bank 65 Earn Growth Cap Eff Credit Stable 6/9 - 51

CBSH Commerce Bancshares, I… Bank 65 Earn Growth Cap Eff Credit Stable 5/9 - 52

ASIC Ategrity Specialty Ins… Insurer New Filer 65 Loss Premium Cap Invest Combo Stable 4/9 - 53

PB Prosperity Bancshares,… Bank 64 Earn Growth Cap Eff Credit Stable 5/9 - 54

MBWM Mercantile Bank Corpor… Bank 64 Earn Growth Cap Eff Credit Stable 2/9 - 55

ICE Intercontinental Excha… 64 Profit Growth Debt Cash Flow Return 7/9 Distress 56

FSBC Five Star Bancorp Bank 64 Earn Growth Cap Eff Credit Stable 5/9 - 57

FINW FinWise Bancorp Bank Check Earnings 64 Earn Growth Cap Eff Credit Stable 2/9 - 58

OPHC OptimumBank Holdings, … Bank 63 Earn Growth Cap Eff Credit Stable 5/9 - 59

MPB Mid Penn Bancorp, Inc. Bank 63 Earn Growth Cap Eff Credit Stable 5/9 - 60

LSBK Lake Shore Bancorp, In… Bank 63 Earn Growth Cap Eff Credit Stable 6/9 - 61

GEG Great Elm Group, Inc. Emerging 63 Cash Dil R&D RevPS Burn BalSh 3/9 Distress 62

FCF First Commonwealth Fin… Bank 63 Earn Growth Cap Eff Credit Stable 6/9 - 63

BOKF BOK Financial Corporat… Bank Data Issue 63 Earn Growth Cap Eff Credit Stable 7/9 - 64

UNTY Unity Bancorp, Inc. Bank Check Earnings 62 Earn Growth Cap Eff Credit Stable 5/9 - 65

RBCAA Republic Bancorp, Inc. Bank 62 Earn Growth Cap Eff Credit Stable 5/9 - 66

PLBC Plumas Bancorp Bank 62 Earn Growth Cap Eff Credit Stable 2/9 - 67

NRIM Northrim BanCorp, Inc. Bank Check Earnings 62 Earn Growth Cap Eff Credit Stable 5/9 - 68

MORN Morningstar, Inc. 62 Profit Growth Debt Cash Flow Return 6/9 Safe 69

MBIN Merchants Bancorp Bank Data Issue 62 Earn Growth Cap Eff Credit Stable 1/9 - 70

SPGI S&P Global Inc. 61 Profit Growth Debt Cash Flow Return 7/9 Safe 71

PMTS CPI Card Group Inc. Data Issue One-time Loss 61 Profit Growth Debt Cash Flow Return 4/9 Grey 72

NDAQ Nasdaq, Inc. 61 Profit Growth Debt Cash Flow Return 9/9 Grey 73

HCI HCI Group, Inc. Insurer 61 Loss Premium Cap Invest Combo Stable 5/9 - 74

COIN Coinbase Global, Inc. Check Earnings 61 Profit Growth Debt Cash Flow Return 4/9 Safe 75

COFS ChoiceOne Financial Se… Bank Check Earnings 61 Earn Growth Cap Eff Credit Stable 4/9 - 76

CMTV Community Bancorp Bank 61 Earn Growth Cap Eff Credit Stable 5/9 - 77

WHG Westwood Holdings Grou… 60 Profit Growth Debt Cash Flow Return 4/9 - 78

UCB United Community Banks… Bank 60 Earn Growth Cap Eff Credit Stable 6/9 - 79

RLI RLI Corp. Insurer 60 Loss Premium Cap Invest Combo Stable 4/9 - 80

IBOC International Bancshar… Bank 60 Earn Growth Cap Eff Credit Stable 4/9 - 81

FBP First BanCorp. Bank 60 Earn Growth Cap Eff Credit Stable 7/9 - 82

ESQ Esquire Financial Hold… Bank 60 Earn Growth Cap Eff Credit Stable - - 83

CVBF CVB Financial Corp. Bank 60 Earn Growth Cap Eff Credit Stable 5/9 - 84

CME CME Group Inc. 60 Profit Growth Debt Cash Flow Return 4/9 Distress 85

CBNA Chain Bridge Bancorp, … Bank 60 Earn Growth Cap Eff Credit Stable 2/9 - 86

ACGL Arch Capital Group Ltd… Insurer 60 Loss Premium Cap Invest Combo Stable 5/9 - 87

SSB SouthState Bank Corpor… Bank Check Earnings 59 Earn Growth Cap Eff Credit Stable 5/9 - 88

RNST Renasant Corporation Bank Check Earnings 59 Earn Growth Cap Eff Credit Stable 4/9 - 89

PNFP Pinnacle Financial Par… Bank 59 Earn Growth Cap Eff Credit Stable 5/9 - 90

NEWT NewtekOne, Inc. Bank Check Earnings Data Issue 59 Earn Growth Cap Eff Credit Stable 2/9 - 91

MBCN Middlefield Banc Corp Bank 59 Earn Growth Cap Eff Credit Stable 3/9 - 92

LKFN Lakeland Financial Cor… Bank 59 Earn Growth Cap Eff Credit Stable 6/9 - 93

KNSL Kinsale Capital Group,… Insurer 59 Loss Premium Cap Invest Combo Stable 5/9 - 94

CZFS Citizens Financial Ser… Bank 59 Earn Growth Cap Eff Credit Stable 4/9 - 95

CHCO City Holding Company Bank 59 Earn Growth Cap Eff Credit Stable 7/9 - 96

CBK Commercial Bancgroup, … Bank New Filer 59 Earn Growth Cap Eff Credit Stable 5/9 - 97

CB Chubb Limited Insurer 59 Loss Premium Cap Invest Combo Stable 6/9 - 98

BY Byline Bancorp, Inc. Bank 59 Earn Growth Cap Eff Credit Stable 5/9 - 99

BWB Bridgewater Bancshares… Bank Check Earnings 59 Earn Growth Cap Eff Credit Stable 4/9 - 100

AFBI Affinity Bancshares In… Bank 59 Earn Growth Cap Eff Credit Stable 6/9 -

How the Financial Health Score is calculated

Each company receives a composite score from 0 to 100 built from six dimensions derived from SEC filings. The dimensions are family-specific: a company is scored on the metrics that matter for its business type, then ranked against direct peers rather than across every industry. A score is a company's standing within its peer group, not an absolute cross-industry rating; a 70 for a bank and a 70 for a software company both mean "top of its family," not "equally strong businesses."

Each of the six dimensions is scored as a percentile within the family (how the company ranks against its peers on that dimension). The overall score is the rounded average of the six, with any dimension we can't compute counted as zero out of a fixed denominator of six, so incomplete data can't inflate a ranking.

Operating companies, energy and utilities are scored on Profitability, Growth, Leverage, Liquidity, Cash Flow, and Returns.
Banks are scored on Earnings, Growth, Capital, Efficiency, Credit Quality, and Stability.
Insurers are scored on Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, and Stability.
REITs are scored on FFO Margin, FFO Growth, Leverage, Interest Coverage, AFFO Margin, and Dividend Coverage.
Emerging (pre-profit) companies are scored on Cash Runway, Dilution, R&D Intensity, Revenue Progress, Burn Trend, and Balance Sheet.
Warrants, preferred shares and duplicate listings that share a parent company's financials are automatically filtered from the ranking.

The Piotroski F-Score (0 to 9) measures fundamental strength using nine binary accounting tests; the Altman Z-Score estimates bankruptcy risk, classifying companies into Safe, Grey, or Distress zones. These two signals are shown alongside the composite score for additional perspective.