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… 86 Profit Growth Debt Cash Flow Return 6/9 - 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

QFIN Qfin Holdings, Inc. 75 Profit Growth Debt Cash Flow Return 5/9 Grey 10

MCO Moody's Corporation 75 Profit Growth Debt Cash Flow Return 8/9 Safe 11

MA Mastercard Incorporate… 75 Profit Growth Debt Cash Flow Return 7/9 Safe 12

BANF BancFirst Corporation Bank 75 Earn Growth Cap Eff Credit Stable 4/9 - 13

UBSI United Bankshares, Inc… Bank 73 Earn Growth Cap Eff Credit Stable 7/9 - 14

PRK Park National Corporat… Bank 73 Earn Growth Cap Eff Credit Stable 5/9 - 15

PKBK Parke Bancorp, Inc. Bank 73 Earn Growth Cap Eff Credit Stable 5/9 - 16

NMIH NMI Holdings, Inc. Insurer 73 Loss Premium Cap Invest Combo Stable 4/9 - 17

NIC Nicolet Bankshares, In… Bank 73 Earn Growth Cap Eff Credit Stable 7/9 - 18

JFIN Jiayin Group Inc. Data Issue 73 Profit Growth Debt Cash Flow Return 2/9 Grey 19

GBFH GBank Financial Holdin… Bank Check Earnings New Filer 71 Earn Growth Cap Eff Credit Stable 3/9 - 20

NOAH Noah Holdings Limited 70 Profit Growth Debt Cash Flow Return 5/9 Safe 21

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

HDB HDFC Bank Limited Bank 70 Earn Growth Cap Eff Credit Stable 5/9 - 23

EZPW EZCORP, Inc. 70 Profit Growth Debt Cash Flow Return 5/9 Safe 24

CBC Central Bancompany, In… Bank New Filer 70 Earn Growth Cap Eff Credit Stable 4/9 - 25

ACT Enact Holdings, Inc. Insurer 70 Loss Premium Cap Invest Combo Stable 5/9 - 26

WT WisdomTree, Inc. Check Earnings 69 Profit Growth Debt Cash Flow Return 5/9 Grey 27

WABC Westamerica Bancorpora… Bank 69 Earn Growth Cap Eff Credit Stable 4/9 - 28

PYPL PayPal Holdings, Inc. 69 Profit Growth Debt Cash Flow Return 8/9 Grey 29

FFIN First Financial Banksh… Bank 69 Earn Growth Cap Eff Credit Stable 5/9 - 30

VALU Value Line, Inc. 68 Profit Growth Debt Cash Flow Return 5/9 Safe 31

SFBS ServisFirst Bancshares… Bank 68 Earn Growth Cap Eff Credit Stable 5/9 - 32

RDN Radian Group Inc. Insurer Check Earnings 68 Loss Premium Cap Invest Combo Stable 5/9 - 33

FDS FactSet Research Syste… 68 Profit Growth Debt Cash Flow Return 6/9 Safe 34

COSO CoastalSouth Bancshare… Bank New Filer 68 Earn Growth Cap Eff Credit Stable 4/9 - 35

BFC Bank First Corporation Bank 68 Earn Growth Cap Eff Credit Stable 5/9 - 36

PLMR Palomar Holdings, Inc. Insurer 67 Loss Premium Cap Invest Combo Stable 6/9 - 37

MBNKO Medallion Bank Bank 67 Earn Growth Cap Eff Credit Stable 6/9 - 38

ABCB Ameris Bancorp Bank 67 Earn Growth Cap Eff Credit Stable 3/9 - 39

MSCI MSCI Inc. Data Issue 66 Profit Growth Debt Cash Flow Return 8/9 Safe 40

GABC German American Bancor… Bank Check Earnings 66 Earn Growth Cap Eff Credit Stable 6/9 - 41

CTBI Community Trust Bancor… Bank 66 Earn Growth Cap Eff Credit Stable 6/9 - 42

CBSH Commerce Bancshares, I… Bank 66 Earn Growth Cap Eff Credit Stable 4/9 - 43

PB Prosperity Bancshares,… Bank 65 Earn Growth Cap Eff Credit Stable 5/9 - 44

NBBK NB Bancorp, Inc. Bank 65 Earn Growth Cap Eff Credit Stable 3/9 - 45

GSBC Great Southern Bancorp… Bank 65 Earn Growth Cap Eff Credit Stable 6/9 - 46

FRME First Merchants Corpor… Bank 65 Earn Growth Cap Eff Credit Stable 5/9 - 47

EWBC East West Bancorp, Inc… Bank 65 Earn Growth Cap Eff Credit Stable 6/9 - 48

ASIC Ategrity Specialty Ins… Insurer New Filer 65 Loss Premium Cap Invest Combo Stable 4/9 - 49

AII American Integrity Ins… Insurer New Filer 65 Loss Premium Cap Invest Combo Stable 6/9 - 50

MBWM Mercantile Bank Corpor… Bank 64 Earn Growth Cap Eff Credit Stable 2/9 - 51

ICE Intercontinental Excha… 64 Profit Growth Debt Cash Flow Return 7/9 Distress 52

FSBC Five Star Bancorp Bank 64 Earn Growth Cap Eff Credit Stable 5/9 - 53

FINW FinWise Bancorp Bank Check Earnings 64 Earn Growth Cap Eff Credit Stable 1/9 - 54

OPHC OptimumBank Holdings, … Bank 63 Earn Growth Cap Eff Credit Stable 5/9 - 55

LSBK Lake Shore Bancorp, In… Bank New Filer 63 Earn Growth Cap Eff Credit Stable 5/9 - 56

FCF First Commonwealth Fin… Bank 63 Earn Growth Cap Eff Credit Stable 5/9 - 57

UNTY Unity Bancorp, Inc. Bank 62 Earn Growth Cap Eff Credit Stable 4/9 - 58

SPGI S&P Global Inc. 62 Profit Growth Debt Cash Flow Return 7/9 Safe 59

RBCAA Republic Bancorp, Inc. Bank 62 Earn Growth Cap Eff Credit Stable 5/9 - 60

PMTS CPI Card Group Inc. Data Issue One-time Loss 62 Profit Growth Debt Cash Flow Return 4/9 Grey 61

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

NDAQ Nasdaq, Inc. 62 Profit Growth Debt Cash Flow Return 9/9 Grey 63

MPB Mid Penn Bancorp, Inc. Bank 62 Earn Growth Cap Eff Credit Stable 5/9 - 64

MORN Morningstar, Inc. 62 Profit Growth Debt Cash Flow Return 6/9 Safe 65

MBIN Merchants Bancorp Bank 62 Earn Growth Cap Eff Credit Stable 1/9 - 66

MAAS Maase Inc. Emerging Unit Sold 62 Cash Dil R&D RevPS Burn BalSh 5/9 Safe 67

FRGE Forge Global Holdings … Emerging Data Issue 62 Cash Dil R&D RevPS Burn BalSh 4/9 Safe 68

CMTV Community Bancorp Bank 62 Earn Growth Cap Eff Credit Stable 4/9 - 69

BOKF BOK Financial Corporat… Bank 62 Earn Growth Cap Eff Credit Stable 6/9 - 70

WHG WESTWOOD HOLDINGS GROU… 61 Profit Growth Debt Cash Flow Return 5/9 - 71

RBB RBB Bancorp Bank 61 Earn Growth Cap Eff Credit Stable 6/9 - 72

HCI HCI Group, Inc. Insurer 61 Loss Premium Cap Invest Combo Stable 5/9 - 73

DOMH Dominari Holdings Inc. Emerging Check Earnings 61 Cash Dil R&D RevPS Burn BalSh 4/9 - 74

CVBF CVB Financial Corp. Bank 61 Earn Growth Cap Eff Credit Stable 5/9 - 75

COIN Coinbase Global, Inc. Check Earnings 61 Profit Growth Debt Cash Flow Return 4/9 Grey 76

CME CME Group Inc. 61 Profit Growth Debt Cash Flow Return 4/9 Distress 77

CBNA Chain Bridge Bancorp, … Bank 61 Earn Growth Cap Eff Credit Stable 2/9 - 78

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

IBOC International Bancshar… Bank 60 Earn Growth Cap Eff Credit Stable 3/9 - 80

ESQ Esquire Financial Hold… Bank 60 Earn Growth Cap Eff Credit Stable - - 81

ACNB ACNB Corporation Bank Check Earnings 60 Earn Growth Cap Eff Credit Stable 5/9 - 82

TROO TROOPS, Inc. Emerging 59 Cash Dil R&D RevPS Burn BalSh 3/9 Grey 83

SSB SouthState Bank Corpor… Bank Check Earnings 59 Earn Growth Cap Eff Credit Stable 4/9 - 84

RLI RLI Corp. Insurer 59 Loss Premium Cap Invest Combo Stable 4/9 - 85

LKFN Lakeland Financial Cor… Bank 59 Earn Growth Cap Eff Credit Stable 5/9 - 86

KNSL Kinsale Capital Group,… Insurer 59 Loss Premium Cap Invest Combo Stable 5/9 - 87

FBP First BanCorp. Bank 59 Earn Growth Cap Eff Credit Stable 7/9 - 88

CZFS Citizens Financial Ser… Bank 59 Earn Growth Cap Eff Credit Stable 4/9 - 89

CHCO City Holding Company Bank 59 Earn Growth Cap Eff Credit Stable 5/9 - 90

CBU Community Financial Sy… Bank 59 Earn Growth Cap Eff Credit Stable 5/9 - 91

CBK Commercial Bancgroup, … Bank New Filer 59 Earn Growth Cap Eff Credit Stable 4/9 - 92

BY Byline Bancorp, Inc. Bank 59 Earn Growth Cap Eff Credit Stable 4/9 - 93

BWB Bridgewater Bancshares… Bank 59 Earn Growth Cap Eff Credit Stable 4/9 - 94

AFBI Affinity Bancshares, I… Bank 59 Earn Growth Cap Eff Credit Stable 6/9 - 95

ACGL Arch Capital Group Ltd… Insurer 59 Loss Premium Cap Invest Combo Stable 5/9 - 96

WTFC Wintrust Financial Cor… Bank 58 Earn Growth Cap Eff Credit Stable 4/9 - 97

TSBK Timberland Bancorp, In… Bank 58 Earn Growth Cap Eff Credit Stable 6/9 - 98

TECTP Tectonic Financial, In… Bank Check Earnings 58 Earn Growth Cap Eff Credit Stable 2/9 - 99

STBA S&T Bancorp, Inc. Bank 58 Earn Growth Cap Eff Credit Stable 4/9 - 100

RNST Renasant Corporation 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 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.