Local + regional deposit-taking banks. Quality varies enormously by management and credit discipline; most are commodities. The best regionals compound at 12-15% for decades - but the failures are total.
Industry leader
Pathward Financial, Inc. CASH
Buffett-Fit: 69/100
Regional bank quality is best measured by ROE + loan-loss history + capital ratios. Sustained ROE above 12% across a full credit cycle is the screen - names like M&T Bank, First Republic (before SVB), Glacier Bancorp built compounder records that way. Buffett's rule: never own a bank you wouldn't deposit money at.
Sorted by composite quality score - ROIC, margin stability, balance-sheet strength, growth quality. Click any ticker for the full Buffett verdict.
1.7B mcap
2.3B mcap
35.0B mcap
2.1B mcap
1.6B mcap
1.8B mcap
3.7B mcap
30.4B mcap
7.6B mcap
39.7B mcap
25.2B mcap
4.6B mcap
1.2B mcap
800M mcap
3.3B mcap
2.5B mcap
556M mcap
548M mcap
7.8B mcap
1.2B mcap
1.5B mcap
86.2B mcap
2.9B mcap
891M mcap
26.2B mcap
1.1B mcap
957M mcap
7.1B mcap
1.5B mcap
1.9B mcap
2.5B mcap
2.1B mcap
4.2B mcap
26.6B mcap
935M mcap
34.9B mcap
13.1B mcap
16.6B mcap
16.8B mcap
31.2B mcap
2.7B mcap
10.0B mcap
4.9B mcap
9.2B mcap
1.5B mcap
3.0B mcap
816M mcap
4.1B mcap
19.0B mcap
1.4B mcap
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Educational framework analysis only. Not investment advice, not a recommendation, not personalized to your situation. Always do your own research.