By the StockSemáforo model · Updated September 12, 2026
A bank isn't analyzed like other companies: debt is its raw material, not a risk, and free cash flow means almost nothing. What matters is ROE —how hard shareholders' money works— and capital strength, the cushion between a bad year and a collapse. Our model accounts for this and measures banks' financial health with that cushion instead of with debt.
This ranking sorts by fundamental quality, not by whether a stock is cheap or expensive: an excellent company can be expensive. To find the fair price, enter its quote in the analyzer. The scores recompute on their own with each new SEC filing.
COF
83
quality /100
Capital One is a bank heavily focused on credit cards and consumer lending, plus auto finance.
See full analysis →WFC
79
quality /100
Wells Fargo is one of the largest banks in the U.S., heavily focused on traditional banking: mortgages, loans and deposits for individuals and businesses.
See full analysis →77
quality /100
JPMorgan Chase is the largest bank in the United States.
See full analysis →77
quality /100
Morgan Stanley is a large investment bank that, unlike others, has bet heavily on wealth management: advising and investing the money of wealthy clients.
See full analysis →75
quality /100
Bank of America is one of the largest banks in the U.S.
See full analysis →STT
72
quality /100
State Street is one of the world's large custody banks: it safekeeps and administers assets for institutional investors, and it also owns the 'SPDR' ETFs (like the famous one that tracks the S&P 500).
See full analysis →69
quality /100
PNC Financial is one of the largest U.S.
See full analysis →NTRS
67
quality /100
Northern Trust is the discreet bank of the very wealthy and large institutions: it safekeeps assets for pension funds and family fortunes, manages wealth and earns fees for minding other people's money more than for lending it.
See full analysis →To understand it better
Best stocks by sector
Technology · Financial · Healthcare · Industrial · Consumer · Energy · Materials · Utilities · Artificial intelligence · Cybersecurity · Semiconductors · Defense · Software & SaaS · Insurance · Telecom & media · Real estate
How is the score computed? Read how the traffic light works or explore all company analyses.
Rather set your own criteria? Filter the 500+ companies in our universe by sector, margin, ROE, debt and growth in the screener.
Who's behind the methodology and model · how the score is computed
Data: official SEC filings (EDGAR) · Recomputed on September 12, 2026
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