Bank & Financial Stocks
Major banks and financial institutions. Interest rate plays, dividend payers, and the backbone of the global financial system.
200 stocks
Updated Feb 8, 2026
$9.89T
Total Market Cap
36.6
Avg P/E Ratio
—
Avg Dividend Yield
+2.46%
Avg Daily Change
Bank stocks represent shares in commercial banks, investment banks, and diversified financial institutions that form the backbone of the financial system. Banks generate revenue primarily through net interest income — the spread between what they earn on loans and pay on deposits — as well as fees from wealth management, trading, and investment banking services.
The sector includes the Big Four — JPMorgan Chase, Bank of America, Wells Fargo, and Citigroup — along with major investment banks like Goldman Sachs and Morgan Stanley, and regional banks serving specific geographic markets. Each type carries different risk profiles, with money center banks offering diversification and regional banks providing higher growth potential in expanding markets.
Bank stock performance is closely tied to interest rates, economic growth, and credit quality. Rising rates generally benefit banks by expanding net interest margins, while recessions increase loan defaults. This list tracks major bank stocks on U.S. exchanges with prices, P/E ratios, dividend yields, and market caps updated daily.
| # | Symbol | Name | Price | Change % | P/E | Market Cap |
|---|---|---|---|---|---|---|
| 1 | BRK.B | Berkshire Hathaway Inc | $508.09 | +0.83% | 16.2 | 1.10T |
| 2 | JPM | JPMorgan Chase & Co | $322.40 | +3.95% | 15.4 | 877.66B |
| 3 | V | Visa Inc | $331.58 | +0.74% | 30.4 | 632.04B |
| 4 | MA | Mastercard Inc | $548.74 | -0.57% | 32.9 | 492.91B |
| 5 | BAC | Bank of America Corp | $56.53 | +2.89% | 13.3 | 407.72B |
| 6 | RY | Royal Bank Of Canada | $170.40 | +0.92% | 15.9 | 323.63B |
| 7 | WFC | Wells Fargo & Co | $93.97 | +2.13% | 13.5 | 287.85B |
| 8 | MS | Morgan Stanley | $179.96 | +2.34% | 17.0 | 286.01B |
| 9 | GS | Goldman Sachs Group | $928.75 | +4.31% | 16.2 | 278.56B |
| 10 | AXP | American Express Co | $359.15 | +1.28% | 22.8 | 247.40B |
| 11 | TD | Toronto-Dominion Bank | $96.68 | +1.85% | 10.7 | 219.92B |
| 12 | C | Citigroup Inc | $122.69 | +6.00% | 15.4 | 219.53B |
| 13 | SCHW | Schwab (Charles) Corp | $105.08 | +3.02% | 21.1 | 186.72B |
| 14 | BLK | Blackrock Inc | $1,056.38 | +0.15% | 31.0 | 172.34B |
| 15 | BX | Blackstone Inc | $129.69 | +2.26% | 52.8 | 159.36B |
| 16 | COF | Capital One Financial Corp | $222.79 | +2.70% | 57.7 | 141.64B |
| 17 | BMO | Bank Of Montreal | $141.73 | +1.36% | 15.6 | 135.83B |
| 18 | SPGI | S&P Global Inc | $439.28 | -2.75% | 31.5 | 133.01B |
| 19 | BNS | Bank Of Nova Scotia | $76.34 | +1.38% | 16.4 | 127.59B |
| 20 | IBKR | Interactive Brokers Gro-Cl A | $74.59 | +7.34% | 128.6 | 126.51B |
| 21 | CM | Can Imperial Bk Of Commerce | $96.68 | +2.27% | 14.2 | 120.00B |
| 22 | BN | Brookfield Corp | $45.21 | +2.03% | 112.4 | 111.98B |
| 23 | CME | Cme Group Inc | $302.27 | +1.64% | 26.8 | 109.00B |
| 24 | UBS | Ubs Group Ag-Reg | $43.91 | +0.32% | 18.7 | 106.21B |
| 25 | ICE | Intercontinental Exchange In | $169.00 | +0.42% | 30.4 | 95.97B |
| 26 | PNC | Pnc Financial Services Group | $242.48 | +1.66% | 13.6 | 94.57B |
| 27 | USB | Us Bancorp | $60.69 | +2.67% | 12.5 | 94.34B |
| 28 | KKR | Kkr & Co Inc | $103.20 | +4.06% | 38.8 | 91.99B |
| 29 | BK | Bank Of New York Mellon Corp | $124.32 | +3.16% | 9.9 | 85.56B |
| 30 | NU | Nu Holdings Ltd/Cayman Isl-A | $17.40 | +3.51% | 33.0 | 83.36B |
| 31 | BAM | Brookfield Asset Mgmt-A | $49.61 | +1.95% | 40.6 | 81.26B |
| 32 | MCO | Moody'S Corp | $452.49 | -1.14% | 36.0 | 80.72B |
| 33 | APO | Apollo Global Management Inc | $133.03 | +5.51% | 18.0 | 77.21B |
| 34 | HOOD | Robinhood Markets Inc - A | $82.82 | +13.95% | 33.9 | 74.47B |
| 35 | TFC | Truist Financial Corp | $55.81 | +1.22% | 13.5 | 71.39B |
| 36 | DB | Deutsche Bank Ag-Registered | $37.22 | +3.02% | 8.3 | 57.51B |
| 37 | RKT | Rocket Cos Inc-Class A | $18.88 | -1.67% | — | 53.16B |
| 38 | AMP | Ameriprise Financial Inc | $542.99 | +1.49% | 14.2 | 50.45B |
| 39 | FITB | Fifth Third Bancorp | $55.08 | +2.40% | 19.9 | 50.20B |
| 40 | NDAQ | Nasdaq Inc | $84.83 | -0.80% | 27.1 | 48.44B |
| 41 | COIN | Coinbase Global Inc. | $165.12 | +13.00% | 13.8 | 44.53B |
| 42 | MSCI | Msci Inc | $557.78 | -1.43% | 34.9 | 41.91B |
| 43 | HBAN | Huntington Bancshares Inc | $19.27 | +1.31% | 17.8 | 39.25B |
| 44 | PYPL | Paypal Holdings Inc | $40.42 | +1.30% | 7.1 | 37.21B |
| 45 | STT | State Street Corp | $132.35 | +2.83% | 12.5 | 36.94B |
| 46 | MTB | M & T Bank Corp | $238.01 | +1.74% | 12.8 | 36.58B |
| 47 | XYZ | Block Inc | $55.97 | +4.85% | 11.3 | 35.32B |
| 48 | RJF | Raymond James Financial Inc | $172.14 | +2.81% | 16.2 | 33.99B |
| 49 | FISV | Fiserv Inc | $60.00 | +2.67% | 9.0 | 32.27B |
| 50 | LPLA | Lpl Financial Holdings Inc | $385.14 | +3.44% | 35.7 | 30.83B |
| 51 | CFG | Citizens Financial Group | $68.12 | +2.25% | 16.0 | 29.26B |
| 52 | NTRS | Northern Trust Corp | $152.15 | +3.17% | 16.6 | 28.77B |
| 53 | ARES | Ares Management Corp - A | $130.46 | +7.05% | 43.5 | 28.29B |
| 54 | BAP | Credicorp Ltd | $353.30 | -0.87% | 15.1 | 28.10B |
| 55 | RF | Regions Financial Corp | $30.93 | +1.41% | 12.6 | 27.12B |
| 56 | SYF | Synchrony Financial | $75.16 | +1.58% | 7.6 | 27.07B |
| 57 | FIS | Fidelity National Info Serv | $51.93 | +2.18% | 176.9 | 26.89B |
| 58 | TW | Tradeweb Markets Inc-Class A | $112.13 | +2.37% | 42.1 | 26.52B |
| 59 | SOFI | Sofi Technologies Inc | $20.86 | +7.19% | 54.6 | 26.29B |
| 60 | FCNCA | First Citizens Bcshs -Cl A | $2,160.99 | +1.79% | 11.7 | 25.84B |
| 61 | KEY | Keycorp | $23.21 | +2.25% | 13.8 | 25.20B |
| 62 | CPAY | Corpay Inc | $354.19 | +5.73% | 23.6 | 24.78B |
| 63 | CG | Carlyle Group Inc/The | $58.71 | +5.96% | 32.0 | 21.16B |
| 64 | TPG | Tpg Inc | $55.02 | +2.76% | 172.7 | 20.80B |
| 65 | TROW | T Rowe Price Group Inc | $94.58 | +2.78% | 9.9 | 20.64B |
| 66 | GPN | Global Payments Inc | $72.86 | +2.25% | 11.7 | 20.40B |
| 67 | OWL | Blue Owl Capital Inc | $12.52 | +7.65% | 376.2 | 19.53B |
| 68 | AFRM | Affirm Holdings Inc | $57.03 | -4.02% | 80.8 | 18.82B |
| 69 | EWBC | East West Bancorp Inc | $122.50 | +3.41% | 12.7 | 16.85B |
| 70 | TOST | Toast Inc-Class A | $27.73 | +2.51% | 59.7 | 16.31B |
| 71 | CRBG | Corebridge Financial Inc | $31.16 | +4.60% | 16.4 | 16.22B |
| 72 | PNFP | Pinnacle Financial Partners | $102.26 | +1.55% | 24.8 | 15.46B |
| 73 | BEN | Franklin Resources Inc | $27.20 | +1.08% | 27.0 | 14.16B |
| 74 | ARCC | Ares Capital Corp | $19.31 | +2.77% | 10.2 | 13.87B |
| 75 | EVR | Evercore Inc - A | $357.73 | +1.88% | 26.2 | 13.84B |
| 76 | SF | Stifel Financial Corp | $130.61 | +2.01% | 19.5 | 13.30B |
| 77 | EQH | Equitable Holdings Inc | $45.52 | +4.88% | — | 13.04B |
| 78 | ALLY | Ally Financial Inc | $42.31 | +0.43% | 15.3 | 13.03B |
| 79 | FHN | First Horizon Corp | $26.23 | +1.51% | 13.0 | 12.72B |
| 80 | JKHY | Jack Henry & Associates Inc | $173.36 | -2.03% | 24.7 | 12.55B |
| 81 | ASST | Strive Inc-A | $11.92 | +20.82% | — | 12.30B |
| 82 | JEF | Jefferies Financial Group In | $58.94 | +4.30% | 16.7 | 12.18B |
| 83 | HLI | Houlihan Lokey Inc | $172.96 | +2.99% | 26.9 | 12.06B |
| 84 | IVZ | Invesco Ltd | $26.82 | +4.07% | — | 11.94B |
| 85 | WBS | Webster Financial Corp | $73.13 | +1.54% | 11.1 | 11.11B |
| 86 | SSB | Southstate Bank Corp | $107.82 | +1.18% | 13.6 | 10.84B |
| 87 | WTFC | Wintrust Financial Corp | $161.35 | +2.14% | 12.7 | 10.47B |
| 88 | SEIC | Sei Investments Company | $84.45 | +0.05% | 14.5 | 10.34B |
| 89 | WAL | Western Alliance Bancorp | $94.39 | +3.60% | 10.5 | 10.21B |
| 90 | UMBF | Umb Financial Corp | $134.32 | +1.71% | 14.5 | 10.20B |
| 91 | ONB | Old National Bancorp | $25.88 | +1.25% | 15.1 | 10.11B |
| 92 | XP | Xp Inc - Class A | $19.39 | +4.02% | 10.4 | 10.11B |
| 93 | BPOP | Popular Inc | $145.97 | +2.19% | 11.7 | 9.73B |
| 94 | COLB | Columbia Banking System Inc | $32.07 | +2.66% | 15.1 | 9.59B |
| 95 | ZION | Zions Bancorp Na | $65.29 | +1.82% | 11.1 | 9.44B |
| 96 | CFR | Cullen/Frost Bankers Inc | $146.69 | +2.15% | 14.7 | 9.38B |
| 97 | GLXY | Galaxy Digital Inc-A | $19.76 | +17.34% | — | 9.03B |
| 98 | FIGR | Figure Technology Solut-Cl A | $41.27 | +3.33% | 65.0 | 8.83B |
| 99 | BOKF | Bok Financial Corporation | $136.57 | +1.64% | 16.1 | 8.64B |
| 100 | AMG | Affiliated Managers Group | $305.50 | +1.31% | 16.2 | 8.59B |
| 101 | CBSH | Commerce Bancshares Inc | $55.17 | +1.43% | 14.6 | 8.22B |
| 102 | CHYM | Chime Financial Inc-Cl A | $21.78 | +4.86% | — | 8.16B |
| 103 | JXN | Jackson Financial Inc-A | $119.69 | +3.04% | 14.1 | 8.14B |
| 104 | FCFS | Firstcash Holdings Inc | $181.92 | +2.40% | 24.3 | 8.03B |
| 105 | PJT | Pjt Partners Inc - A | $162.50 | +2.54% | 44.4 | 7.90B |
| 106 | KLAR | Klarna Group Plc | $20.52 | +0.84% | — | 7.74B |
| 107 | FDS | Factset Research Systems Inc | $207.32 | -0.89% | 12.8 | 7.69B |
| 108 | UWMC | Uwm Holdings Corp | $4.75 | -7.77% | 453.9 | 7.66B |
| 109 | VLY | Valley National Bancorp | $13.71 | +1.26% | 12.7 | 7.57B |
| 110 | VOYA | Voya Financial Inc | $75.90 | +5.08% | 12.3 | 7.51B |
| 111 | FRHC | Freedom Holding Corp/Nv | $122.76 | +6.25% | 1,695.6 | 7.51B |
| 112 | STEP | Stepstone Group Inc-Class A | $62.43 | +5.51% | — | 7.38B |
| 113 | HLNE | Hamilton Lane Inc-Class A | $131.72 | +0.00% | 32.2 | 7.35B |
| 114 | PB | Prosperity Bancshares Inc | $74.51 | +1.98% | 13.4 | 7.27B |
| 115 | OMF | Onemain Holdings Inc | $61.64 | -1.04% | 10.3 | 7.26B |
| 116 | JHG | Janus Henderson Group Plc | $48.22 | +0.06% | 13.5 | 7.20B |
| 117 | GBCI | Glacier Bancorp Inc | $53.19 | +1.99% | 28.9 | 6.91B |
| 118 | MORN | Morningstar Inc | $165.47 | -2.24% | 18.1 | 6.81B |
| 119 | FNB | Fnb Corp | $18.90 | +1.67% | 12.0 | 6.77B |
| 120 | PIPR | Piper Sandler Cos | $364.38 | +9.88% | 27.3 | 6.45B |
| 121 | UBSI | United Bankshares Inc | $45.52 | +1.79% | 13.8 | 6.39B |
| 122 | SNEX | Stonex Group Inc | $120.54 | +6.16% | 20.7 | 6.32B |
| 123 | ESNT | Essent Group Ltd | $65.28 | +0.08% | 9.0 | 6.31B |
| 124 | ACT | Enact Holdings Inc | $43.17 | -2.31% | 9.5 | 6.23B |
| 125 | HWC | Hancock Whitney Corp | $74.41 | +0.96% | 12.8 | 6.22B |
| 126 | MTG | Mgic Investment Corp | $27.31 | +0.15% | 8.3 | 6.11B |
| 127 | MKTX | Marketaxess Holdings Inc | $162.33 | -0.31% | 24.5 | 6.03B |
| 128 | HOMB | Home Bancshares Inc | $30.59 | +1.70% | 12.7 | 6.02B |
| 129 | AUB | Atlantic Union Bankshares Co | $41.78 | +1.24% | 27.1 | 5.95B |
| 130 | FLG | Flagstar Bank Na | $14.27 | +2.59% | — | 5.93B |
| 131 | MC | Moelis & Co - Class A | $73.25 | +2.19% | 25.2 | 5.90B |
| 132 | IFS | Intercorp Financial Services | $50.87 | +1.90% | 10.1 | 5.87B |
| 133 | ABCB | Ameris Bancorp | $85.94 | +1.90% | 14.2 | 5.87B |
| 134 | OBDC | Blue Owl Capital Corp | $11.46 | +5.04% | 8.8 | 5.86B |
| 135 | VIRT | Virtu Financial Inc-Class A | $38.53 | +0.84% | 13.9 | 5.85B |
| 136 | CBC | Central Bancompany | $24.25 | +1.38% | 15.0 | 5.85B |
| 137 | OZK | Bank Ozk | $51.40 | +3.03% | 8.2 | 5.83B |
| 138 | BXSL | Blackstone Secured Lending F | $24.89 | +1.43% | 9.6 | 5.76B |
| 139 | AX | Axos Financial Inc | $101.01 | +2.80% | 13.2 | 5.73B |
| 140 | OTF | Blue Owl Technology Finance | $12.23 | +3.64% | 9.3 | 5.72B |
| 141 | CACC | Credit Acceptance Corp | $508.90 | +2.79% | 13.2 | 5.61B |
| 142 | SLM | Slm Corp | $27.30 | +1.49% | 7.4 | 5.54B |
| 143 | WEX | Wex Inc | $158.95 | +7.01% | 19.2 | 5.44B |
| 144 | MAIN | Main Street Capital Corp | $60.31 | +0.68% | 10.1 | 5.40B |
| 145 | LAZ | Lazard Inc | $56.80 | +4.30% | 19.7 | 5.39B |
| 146 | FOUR | Shift4 Payments Inc-Class A | $59.28 | +2.07% | 27.0 | 5.25B |
| 147 | EBC | Eastern Bankshares Inc | $21.89 | +2.05% | 59.2 | 5.22B |
| 148 | FFIN | First Finl Bankshares Inc | $34.78 | +1.64% | 19.6 | 4.98B |
| 149 | PFSI | Pennymac Financial Services | $95.60 | -1.97% | 9.9 | 4.97B |
| 150 | ASB | Associated Banc-Corp | $29.37 | +2.33% | 27.7 | 4.88B |
| 151 | TCBI | Texas Capital Bancshares Inc | $104.47 | +0.94% | 14.4 | 4.77B |
| 152 | NNI | Nelnet Inc-Cl A | $132.12 | -0.09% | 10.9 | 4.75B |
| 153 | SFBS | Servisfirst Bancshares Inc | $85.68 | +0.48% | 16.9 | 4.68B |
| 154 | STNE | Stoneco Ltd-A | $17.08 | +5.50% | — | 4.64B |
| 155 | IBOC | International Bancshares Crp | $74.58 | +0.58% | 11.0 | 4.64B |
| 156 | VCTR | Victory Capital Holding - A | $71.25 | +2.61% | 15.7 | 4.63B |
| 157 | HASI | Ha Sustainable Infrastructur | $36.13 | +2.79% | 14.8 | 4.56B |
| 158 | RDN | Radian Group Inc | $33.56 | -0.71% | 7.9 | 4.55B |
| 159 | UCB | United Community Banks/Ga | $36.51 | +1.22% | 13.4 | 4.40B |
| 160 | INDB | Independent Bank Corp/Ma | $86.01 | +0.99% | 20.8 | 4.26B |
| 161 | BGC | Bgc Group Inc-A | $8.96 | +1.01% | 25.3 | 4.20B |
| 162 | TFSL | Tfs Financial Corp | $14.92 | +2.75% | 46.0 | 4.19B |
| 163 | BLSH | Bullish | $27.45 | +10.24% | — | 4.14B |
| 164 | FULT | Fulton Financial Corp | $22.75 | +2.16% | 10.5 | 4.09B |
| 165 | SII | Sprott Inc | $118.87 | +3.81% | 58.9 | 4.05B |
| 166 | FHI | Federated Hermes Inc | $52.12 | -0.44% | 10.6 | 4.04B |
| 167 | FIBK | First Interstate Bancsys-A | $38.82 | +2.16% | 13.2 | 3.99B |
| 168 | ENVA | Enova International Inc | $161.10 | +0.83% | 13.6 | 3.98B |
| 169 | RNST | Renasant Corp | $41.80 | +1.33% | 21.9 | 3.97B |
| 170 | BANF | Bancfirst Corp | $119.04 | +2.01% | 16.5 | 3.97B |
| 171 | INTR | Inter & Co Inc - Cl A | $8.87 | +2.42% | 16.8 | 3.90B |
| 172 | DLO | Dlocal Ltd | $13.18 | +2.81% | 22.7 | 3.88B |
| 173 | BKU | Bankunited Inc | $50.93 | +1.41% | 14.3 | 3.83B |
| 174 | UPST | Upstart Holdings Inc | $38.24 | +10.46% | 115.5 | 3.72B |
| 175 | WSFS | Wsfs Financial Corp | $70.65 | +0.66% | 12.8 | 3.69B |
| 176 | CATY | Cathay General Bancorp | $54.10 | +1.22% | 11.7 | 3.68B |
| 177 | FBP | First Bancorp Puerto Rico | $23.22 | +1.44% | 10.6 | 3.67B |
| 178 | APAM | Artisan Partners Asset Ma -A | $45.12 | +1.83% | 13.7 | 3.64B |
| 179 | BFH | Bread Financial Holdings Inc | $79.53 | +3.03% | 7.0 | 3.63B |
| 180 | MCHB | Mechanics Bancorp-A | $15.67 | +4.05% | — | 3.62B |
| 181 | MIAX | Miami International Holdings | $42.23 | +1.15% | — | 3.61B |
| 182 | FSK | Fs Kkr Capital Corp | $12.86 | +0.86% | 13.2 | 3.60B |
| 183 | CBU | Community Financial System I | $66.39 | +1.53% | 17.0 | 3.50B |
| 184 | TOWN | Towne Bank | $37.65 | +1.51% | 20.5 | 3.47B |
| 185 | WSBC | Wesbanco Inc | $37.89 | +1.45% | 15.6 | 3.47B |
| 186 | SBCF | Seacoast Banking Corp/Fl | $35.09 | +1.27% | 23.7 | 3.43B |
| 187 | FHB | First Hawaiian Inc | $27.23 | +1.95% | 12.2 | 3.37B |
| 188 | GBDC | Golub Capital Bdc Inc | $12.55 | +1.37% | 8.8 | 3.30B |
| 189 | BULL | Webull Corp | $6.58 | +13.06% | 101.6 | 3.30B |
| 190 | FBK | Fb Financial Corp | $61.61 | +1.18% | 26.9 | 3.29B |
| 191 | BANC | Banc Of California Inc | $20.85 | +3.37% | 14.2 | 3.24B |
| 192 | FFBC | First Financial Bancorp | $30.90 | +2.79% | 12.6 | 3.23B |
| 193 | CNS | Cohen & Steers Inc | $62.71 | +1.05% | 20.9 | 3.20B |
| 194 | PAGS | Pagseguro Digital Ltd-Cl A | $10.99 | +3.58% | 7.5 | 3.20B |
| 195 | PRK | Park National Corp | $176.52 | +1.00% | 18.1 | 3.19B |
| 196 | SFNC | Simmons First Natl Corp-Cl A | $21.81 | +1.87% | — | 3.16B |
| 197 | NMIH | Nmi Holdings Inc | $41.05 | -0.51% | 8.3 | 3.16B |
| 198 | EEFT | Euronet Worldwide Inc | $75.02 | +4.43% | 10.4 | 3.15B |
| 199 | BOH | Bank Of Hawaii Corp | $78.91 | +1.96% | 15.3 | 3.14B |
| 200 | PAY | Paymentus Holdings Inc-A | $24.81 | +1.81% | 52.5 | 3.11B |
Frequently Asked Questions
What are bank stocks?
Bank stocks are shares in financial institutions that accept deposits and make loans. Major U.S. bank stocks include JPMorgan Chase (JPM), Bank of America (BAC), Wells Fargo (WFC), and Citigroup (C). The sector also includes investment banks like Goldman Sachs (GS) and Morgan Stanley (MS), which focus on trading, underwriting, and advisory services rather than traditional consumer banking.
Are bank stocks a good investment?
Bank stocks can be attractive for income-oriented investors due to their regular dividends and historically reasonable valuations. Major banks trade at lower P/E ratios than the broader market, offering value potential. However, banks are inherently leveraged businesses — they hold assets worth many times their equity — making them sensitive to economic downturns and credit cycles. Diversified banks with strong capital positions have proven more resilient.
How do interest rates affect bank stocks?
Interest rates are the single biggest driver of bank profitability. When rates rise, banks can charge more for loans while deposit rates often increase more slowly, expanding net interest margins (NIM). Conversely, falling rates compress margins and hurt earnings. The 2022-2023 rate hiking cycle significantly boosted bank profits. However, rapidly rising rates can also cause problems, as seen in the 2023 regional bank crisis when unrealized bond losses triggered deposit runs.
Do bank stocks pay dividends?
Yes, most major banks pay regular quarterly dividends and conduct share buyback programs. Bank dividends are regulated by the Federal Reserve through annual stress tests (CCAR) that determine how much capital banks can return to shareholders. Large banks typically yield 2-4%, with some regional banks offering higher yields. Following the 2008 financial crisis, regulations now require banks to maintain strong capital buffers before paying dividends.
What is the difference between commercial and investment banks?
Commercial banks like Wells Fargo primarily take deposits and make loans to consumers and businesses. Investment banks like Goldman Sachs focus on securities trading, M&A advisory, and capital markets activities. Most large U.S. banks are universal banks that combine both activities under one roof — JPMorgan Chase is the prime example, with both a massive consumer banking franchise and a leading investment banking division.
What are the risks of investing in bank stocks?
Key risks include credit risk from loan defaults during economic downturns, interest rate risk when rates move unfavorably, regulatory risk from changing capital requirements and compliance costs, and systemic risk during financial crises. The 2023 regional bank failures showed how deposit concentration and unrealized losses can quickly destabilize institutions. Larger, well-capitalized banks with diversified revenue streams carry lower individual risk.
What are regional bank stocks?
Regional banks operate in specific geographic markets rather than nationally. Examples include U.S. Bancorp, PNC Financial, and Truist. They typically focus on community and commercial lending, offering more personalized service than money center banks. Regional bank stocks often have higher dividend yields and can offer superior growth in expanding markets. However, they have less diversified revenue streams and geographic concentration risk compared to the big four.
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