Financial Health Scores: Financial Services

Top Financial Services companies ranked by overall financial health. Each score combines profitability, growth, leverage, liquidity, cash flow, and returns into a single 0-100 rating.

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… Check Earnings 84 Profit Growth Debt Cash Flow Return 6/9 Safe 3

FHI Federated Hermes, Inc. Check Earnings 82 Profit Growth Debt Cash Flow Return 6/9 Safe 4

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

HNNA Hennessy Advisors, Inc… 81 Profit Growth Debt Cash Flow Return 5/9 Grey 6

V Visa Inc. 77 Profit Growth Debt Cash Flow Return 5/9 Safe 7

SEZL Sezzle Inc. 76 Profit Growth Debt Cash Flow Return 6/9 Safe 8

SRCE 1st Source Corporation Bank 75 Earn Growth Cap Eff Credit Stable 6/9 - 9

MCO Moody's Corporation 75 Profit Growth Debt Cash Flow Return 8/9 Safe 10

MA Mastercard Incorporate… 75 Profit Growth Debt Cash Flow Return 7/9 Safe 11

BANF BancFirst Corporation Bank 75 Earn Growth Cap Eff Credit Stable 4/9 - 12

UBSI United Bankshares, Inc… Bank 74 Earn Growth Cap Eff Credit Stable 7/9 - 13

PRK Park National Corporat… Bank 73 Earn Growth Cap Eff Credit Stable 5/9 - 14

PKBK Parke Bancorp, Inc. Bank 73 Earn Growth Cap Eff Credit Stable 5/9 - 15

NMIH NMI Holdings, Inc. Insurer 73 Loss Premium Cap Invest Combo Stable 4/9 - 16

NIC Nicolet Bankshares, In… Bank 73 Earn Growth Cap Eff Credit Stable 7/9 - 17

EZPW EZCORP, Inc. 71 Profit Growth Debt Cash Flow Return 5/9 Safe 18

WABC Westamerica Bancorpora… Bank 70 Earn Growth Cap Eff Credit Stable 4/9 - 19

QFIN Qfin Holdings, Inc. 70 Profit Growth Debt Cash Flow Return 7/9 Grey 20

NOAH Noah Holdings Limited 70 Profit Growth Debt Cash Flow Return 3/9 Safe 21

MTG MGIC Investment Corpor… Insurer 70 Loss Premium Cap Invest Combo Stable 4/9 - 22

ACT Enact Holdings, Inc. Insurer 70 Loss Premium Cap Invest Combo Stable 5/9 - 23

WT WisdomTree, Inc. Check Earnings 69 Profit Growth Debt Cash Flow Return 5/9 Grey 24

PYPL PayPal Holdings, Inc. 69 Profit Growth Debt Cash Flow Return 8/9 Grey 25

HDB HDFC Bank Limited Bank 69 Earn Growth Cap Eff Credit Stable 5/9 - 26

BFC Bank First Corporation Bank 69 Earn Growth Cap Eff Credit Stable 5/9 - 27

VALU Value Line, Inc. 68 Profit Growth Debt Cash Flow Return 5/9 Safe 28

SFBS ServisFirst Bancshares… Bank 68 Earn Growth Cap Eff Credit Stable 5/9 - 29

RDN Radian Group Inc. Insurer Check Earnings 68 Loss Premium Cap Invest Combo Stable 5/9 - 30

FFIN First Financial Banksh… Bank 68 Earn Growth Cap Eff Credit Stable 5/9 - 31

FDS FactSet Research Syste… 68 Profit Growth Debt Cash Flow Return 6/9 Safe 32

COSO CoastalSouth Bancshare… Bank New Filer 68 Earn Growth Cap Eff Credit Stable 4/9 - 33

ABCB Ameris Bancorp Bank 68 Earn Growth Cap Eff Credit Stable 3/9 - 34

MBNKO Medallion Bank Bank 67 Earn Growth Cap Eff Credit Stable 6/9 - 35

IGIC International General … Insurer 67 Loss Premium Cap Invest Combo Stable 5/9 - 36

PLMR Palomar Holdings, Inc. Insurer 66 Loss Premium Cap Invest Combo Stable 6/9 - 37

MSCI MSCI Inc. Data Issue 66 Profit Growth Debt Cash Flow Return 8/9 Safe 38

GSBC Great Southern Bancorp… Bank 66 Earn Growth Cap Eff Credit Stable 6/9 - 39

GABC German American Bancor… Bank Check Earnings 66 Earn Growth Cap Eff Credit Stable 6/9 - 40

FRME First Merchants Corpor… Bank 66 Earn Growth Cap Eff Credit Stable 5/9 - 41

EWBC East West Bancorp, Inc… Bank 66 Earn Growth Cap Eff Credit Stable 6/9 - 42

CTBI Community Trust Bancor… Bank 66 Earn Growth Cap Eff Credit Stable 6/9 - 43

CBSH Commerce Bancshares, I… Bank 66 Earn Growth Cap Eff Credit Stable 4/9 - 44

TROO TROOPS, Inc. Emerging Check Earnings 65 Cash Dil R&D RevPS Burn BalSh 4/9 Safe 45

PB Prosperity Bancshares,… Bank 65 Earn Growth Cap Eff Credit Stable 5/9 - 46

NBBK NB Bancorp, Inc. Bank 65 Earn Growth Cap Eff Credit Stable 3/9 - 47

MBWM Mercantile Bank Corpor… Bank 65 Earn Growth Cap Eff Credit Stable 2/9 - 48

AII American Integrity Ins… Insurer New Filer 65 Loss Premium Cap Invest Combo Stable 6/9 - 49

ICE Intercontinental Excha… 64 Profit Growth Debt Cash Flow Return 7/9 Distress 50

FSBC Five Star Bancorp Bank 64 Earn Growth Cap Eff Credit Stable 5/9 - 51

RBCAA Republic Bancorp, Inc. Bank 63 Earn Growth Cap Eff Credit Stable 5/9 - 52

OPHC OptimumBank Holdings, … Bank 63 Earn Growth Cap Eff Credit Stable 5/9 - 53

MORN Morningstar, Inc. 63 Profit Growth Debt Cash Flow Return 6/9 Safe 54

LSBK Lake Shore Bancorp, In… Bank New Filer 63 Earn Growth Cap Eff Credit Stable 5/9 - 55

FCF First Commonwealth Fin… Bank 63 Earn Growth Cap Eff Credit Stable 5/9 - 56

BOKF BOK Financial Corporat… Bank 63 Earn Growth Cap Eff Credit Stable 6/9 - 57

SPGI S&P Global Inc. 62 Profit Growth Debt Cash Flow Return 7/9 Safe 58

PMTS CPI Card Group Inc. Data Issue One-time Loss 62 Profit Growth Debt Cash Flow Return 4/9 Grey 59

NDAQ Nasdaq, Inc. 62 Profit Growth Debt Cash Flow Return 9/9 Grey 60

MPB Mid Penn Bancorp, Inc. Bank 62 Earn Growth Cap Eff Credit Stable 5/9 - 61

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

MAAS Maase Inc. Emerging Unit Sold 62 Cash Dil R&D RevPS Burn BalSh 5/9 Safe 63

FFBC First Financial Bancor… Bank 62 Earn Growth Cap Eff Credit Stable 3/9 - 64

WHG Westwood Holdings Grou… 61 Profit Growth Debt Cash Flow Return 4/9 - 65

UNTY Unity Bancorp, Inc. Bank 61 Earn Growth Cap Eff Credit Stable 5/9 - 66

RBB RBB Bancorp Bank 61 Earn Growth Cap Eff Credit Stable 6/9 - 67

FRGE Forge Global Holdings … Emerging Data Issue 61 Cash Dil R&D RevPS Burn BalSh 4/9 Safe 68

CVBF CVB Financial Corp. Bank 61 Earn Growth Cap Eff Credit Stable 5/9 - 69

COIN Coinbase Global, Inc. Check Earnings 61 Profit Growth Debt Cash Flow Return 4/9 Safe 70

CME CME Group Inc. 61 Profit Growth Debt Cash Flow Return 4/9 Distress 71

UCB United Community Banks… Bank 60 Earn Growth Cap Eff Credit Stable 6/9 - 72

IBOC International Bancshar… Bank 60 Earn Growth Cap Eff Credit Stable 3/9 - 73

HCI HCI Group, Inc. Insurer 60 Loss Premium Cap Invest Combo Stable 5/9 - 74

ESQ Esquire Financial Hold… Bank 60 Earn Growth Cap Eff Credit Stable 3/9 - 75

DOMH Dominari Holdings Inc. Emerging Check Earnings 60 Cash Dil R&D RevPS Burn BalSh 4/9 - 76

STBA S&T Bancorp, Inc. Bank 59 Earn Growth Cap Eff Credit Stable 4/9 - 77

SSB SouthState Bank Corpor… Bank Check Earnings 59 Earn Growth Cap Eff Credit Stable 4/9 - 78

RLI RLI Corp. Insurer 59 Loss Premium Cap Invest Combo Stable 5/9 - 79

LKFN Lakeland Financial Cor… Bank 59 Earn Growth Cap Eff Credit Stable 5/9 - 80

FCBC First Community Banksh… Bank 59 Earn Growth Cap Eff Credit Stable 3/9 - 81

FBP First BanCorp. Bank 59 Earn Growth Cap Eff Credit Stable 7/9 - 82

CZFS Citizens Financial Ser… Bank 59 Earn Growth Cap Eff Credit Stable 4/9 - 83

CHCO City Holding Company Bank 59 Earn Growth Cap Eff Credit Stable 5/9 - 84

CBU Community Financial Sy… Bank 59 Earn Growth Cap Eff Credit Stable 6/9 - 85

BY Byline Bancorp, Inc. Bank 59 Earn Growth Cap Eff Credit Stable 4/9 - 86

BWB Bridgewater Bancshares… Bank 59 Earn Growth Cap Eff Credit Stable 4/9 - 87

ACNB ACNB Corporation Bank Check Earnings 59 Earn Growth Cap Eff Credit Stable 5/9 - 88

ACGL Arch Capital Group Ltd… Insurer 59 Loss Premium Cap Invest Combo Stable 5/9 - 89

WTFC Wintrust Financial Cor… Bank 58 Earn Growth Cap Eff Credit Stable 4/9 - 90

TSBK Timberland Bancorp, In… Bank 58 Earn Growth Cap Eff Credit Stable 6/9 - 91

TECTP Tectonic Financial, In… Bank Check Earnings 58 Earn Growth Cap Eff Credit Stable 2/9 - 92

RNST Renasant Corporation Bank Check Earnings 58 Earn Growth Cap Eff Credit Stable 4/9 - 93

NRIM Northrim BanCorp, Inc. Bank Check Earnings 58 Earn Growth Cap Eff Credit Stable 6/9 - 94

NISN NiSun International En… Check Earnings Unit Sold 58 Profit Growth Debt Cash Flow Return 3/9 Grey 95

MBCN Middlefield Banc Corp Bank 58 Earn Growth Cap Eff Credit Stable 4/9 - 96

KNSL Kinsale Capital Group,… Insurer 58 Loss Premium Cap Invest Combo Stable 5/9 - 97

JMSB John Marshall Bancorp,… Bank 58 Earn Growth Cap Eff Credit Stable 5/9 - 98

HWC Hancock Whitney Corpor… Bank 58 Earn Growth Cap Eff Credit Stable 6/9 - 99

CB Chubb Limited Insurer 58 Loss Premium Cap Invest Combo Stable 6/9 - 100

BUSE First Busey Corporatio… Bank Check Earnings 58 Earn Growth Cap Eff Credit Stable 4/9 -

How the Financial Health Score is calculated

Each company receives a composite score from 0 to 100 based on six financial dimensions derived from annual SEC filings: Profitability, Growth, Leverage, Liquidity, Cash Flow, and Returns. Each dimension is normalized to a 0 to 100 scale; the overall score is the simple average of all six (missing dimensions count as zero, so incomplete data can't inflate a ranking).

Trailing 3-year weighted average for the performance-oriented dimensions (Profitability, Cash Flow, Returns). The most recent fiscal year is weighted 50%, the year before 30%, and the year before that 20%, so a company still gets credit for improving quickly, but a single blockbuster year can't carry an otherwise weak record.
Growth uses a 3-year revenue CAGR (or year-over-year if only two years are available), so sustained growth beats one lucky quarter.
Leverage and Liquidity are balance-sheet snapshots, using the most recent available value and falling back to the prior year when a newly filed 10-K is missing a field.
Companies with fewer than three years of filings are scored on what's available. No minimum history is required, but the missing years count as zero in the flow-metric averages.
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.