Regional banks with the highest profit margins

Ranked

176

of 217 regional banks we cover

Median

29.2%

Highest

51.2%

SFBS

Range

−38.9% to 51.2%

#	Company	Net margin	Operating margin	Revenue growth (TTM)	Market cap
1	SFBSServisFirst Bancshares	51.2%	n/m	+20.5%	$4.5B
2	PKBKParke Bancorp	50.5%	n/m	+32.3%	$390.7M
3	IBOCInternational Bancshares	48.1%	n/m	+4.0%	$4.1B
4	EWBCEast West Bancorp	46.6%	n/m	+13.7%	$18B
5	GCBCGreene County Bancorp	44.3%	n/m	+22.9%	$606.3M
6	MCBSMetroCity Bankshares	43.8%	n/m	+24.7%	$1B
7	UNTYUnity Bancorp	43.3%	n/m	+13.1%	$583.9M
8	HOMBHome Bancshares	42.7%	n/m	+7.1%	$6B
9	BSVNBank7	42.7%	n/m	+2.4%	$557.7M
10	CBKCommercial Bancgroup	42.1%	n/m	+5.4%	$441.5M
11	NECBNorthEast Community Bancorp	40.9%	n/m	−0.9%	$382.3M
12	FSBCFive Star Bancorp	40.5%	n/m	+26.5%	$1.1B
13	PBProsperity Bancshares	40.4%	n/m	+13.3%	$8.4B
14	FFINFirst Financial Bankshares	40.4%	n/m	+12.4%	$4.3B
15	UBSIUnited Bankshares	40.2%	n/m	+14.5%	$6.6B
16	CATYCathay General Bancorp	39.9%	n/m	+14.5%	$4.3B
17	LKFNLakeland Financial	39.8%	n/m	+9.6%	$1.5B
18	TMPTompkins Financial	38.7%	n/m	+42.5%	$1.5B
19	SRCE1ST Source	38.5%	n/m	+9.9%	$2.1B
20	MBINMerchants Bancorp	37.6%	n/m	+6.8%	$2.2B
21	OBTOrange County Bancorp	37.4%	n/m	+10.2%	$513.7M
22	WTBAWest Bancorporation	37.1%	n/m	+17.3%	$518.8M
23	GABCGerman American Bancorp	36.8%	n/m	+29.2%	$1.9B
24	MBWMMercantile Bank	36.5%	n/m	+11.1%	$1.1B
25	TSBKTimberland Bancorp	36.2%	n/m	+9.4%	$363.5M
26	FBPFirst Bancorp	36.2%	n/m	+6.0%	$4.2B
27	CFFNCapitol Federal Financial	36.1%	n/m	+19.4%	$1.1B
28	CTBICommunity Trust Bancorp	36.1%	n/m	+12.9%	$1.3B
29	CVBFCVB Financial	36.0%	n/m	+14.1%	$4B
30	JMSBJohn Marshall Bancorp	35.8%	n/m	+17.2%	$333.6M
31	QCRHQCR	35.8%	n/m	+16.6%	$1.7B
32	SMBCSouthern Missouri Bancorp	35.8%	n/m	+9.9%	$791.9M
33	SYBTStock Yards Bancorp	35.3%	n/m	+13.0%	$2.4B
34	BWFGBankwell Financial	35.2%	n/m	+31.6%	$535.7M
35	SSBSouthState Bank	34.9%	n/m	+25.2%	$10.2B
36	RRBIRed River Bancshares	34.9%	n/m	+12.6%	$679.9M
37	NPBNorthpointe Bancshares	34.9%	n/m	+22.5%	$533.9M
38	BWBBridgewater Bancshares	34.8%	n/m	+29.7%	$573.8M
39	CZFSCitizens Financial Services	34.8%	n/m	+12.5%	$406.8M
40	PCBPCB Bancorp	34.7%	n/m	+11.8%	$402.2M
41	PFSProvident Financial Services	34.5%	n/m	+8.1%	$3B
42	UCBUnited Community Banks	34.0%	n/m	+13.8%	$4.5B
43	CNOBConnectOne Bancorp	34.0%	n/m	+63.4%	$1.6B
44	FCAPFirst Capital	33.8%	n/m	+18.2%	$211.9M
45	STBAS&T Bancorp	33.8%	n/m	+8.1%	$1.8B
46	ORRFOrrstown Financial Services	33.6%	n/m	+3.1%	$871.2M
47	EBCEastern Bankshares	33.5%	n/m	+81.8%	$5.1B
48	AXAxos Financial	33.1%	n/m	+17.6%	$5.2B
49	ESQEsquire Financial	33.0%	n/m	+18.6%	$1.5B
50	TRSTTrustco Bank Corp N Y	33.0%	n/m	+10.2%	$949M
51	BYByline Bancorp	32.3%	n/m	+10.2%	$1.7B
52	COFSChoiceone Financial Services	31.9%	n/m	+39.1%	$512.4M
53	AUBAtlantic Union Bankshares	31.6%	n/m	+46.5%	$5.7B
54	CUBICustomers Bancorp	31.6%	n/m	+34.9%	$2.9B
55	FCBCFirst Community Bankshares	31.5%	n/m	+13.7%	$917.9M
56	FHBFirst Hawaiian	31.5%	n/m	+9.3%	$3.1B
57	FBNCFirst Bancorp	31.5%	n/m	+11.6%	$2.7B
58	RBBRBB Bancorp	31.5%	n/m	+7.7%	$447.3M
59	TCBXThird Coast Bancshares	31.4%	n/m	+26.4%	$662.9M
60	ASBAssociated Banc-Corp	31.4%	n/m	+45.6%	$5.7B
61	CBSHCommerce Bancshares	31.3%	n/m	+8.6%	$8B
62	COSOCoastalSouth Bancshares	31.3%	n/m	+14.8%	$333.8M
63	AMALAmalgamated Financial	31.3%	n/m	+14.4%	$1.5B
64	RBCAARepublic Bancorp	31.3%	n/m	+0.5%	$1.8B
65	FBIZFirst Business Financial Services	31.2%	n/m	+10.3%	$606.1M
66	TCBKTrico Bancshares	31.0%	n/m	+8.8%	$1.7B
67	BOHBank of Hawaii	30.9%	n/m	+13.6%	$2.8B
68	NRIMNorthrim Bancorp	30.9%	n/m	+23.9%	$530.8M
69	MCHBMechanics Bancorp	30.7%	n/m	+55.9%	$3.4B
70	THFFFirst Financial	30.7%	n/m	+12.4%	$911.8M
71	FMAOFarmers & Merchants Bancorp	30.7%	n/m	+18.5%	$503.3M
72	SBSISouthside Bancshares	30.6%	n/m	−4.6%	$946.7M
73	MTBM&T Bank	30.4%	n/m	+5.8%	$32B
74	HBCPHome Bancorp	30.4%	n/m	+8.2%	$483.6M
75	FIBKFirst Interstate Bancsystem	30.3%	n/m	+6.0%	$3.5B
76	IBCPIndependent Bank	30.2%	n/m	+6.4%	$820.9M
77	BPRNPrinceton Bancorp	30.0%	n/m	+6.0%	$306.8M
78	HTBHomeTrust Bancshares	30.0%	n/m	+4.4%	$802.9M
79	FNRNFirst Northern Community Bancorp	30.0%	n/m	+4.8%	$275.6M
80	ABCBAmeris Bancorp	29.8%	n/m	+8.7%	$5.5B
81	GSBCGreat Southern Bancorp	29.7%	n/m	−0.1%	$881.9M
82	FMNBFarmers National Banc	29.7%	n/m	+24.1%	$929.6M
83	TFSLTFS Financial CORP	29.7%	n/m	+10.5%	$4.7B
84	USCBUscb Financial	29.6%	n/m	+5.8%	$369.3M
85	OFGOFG Bancorp	29.5%	n/m	+4.0%	$2.2B
86	CIVBCivista Bancshares	29.3%	n/m	+14.6%	$588.3M
87	RFRegions Financial	29.3%	n/m	+4.4%	$24.3B
88	BUSEFirst Busey	29.3%	n/m	+41.4%	$2.5B
89	OPBKOP Bancorp	29.2%	n/m	+12.5%	$219.8M
90	PNCPNC Financial Services	29.2%	n/m	+13.2%	$89.5B
91	HWCHancock Whitney	29.1%	n/m	−0.2%	$5.9B
92	UVSPUNIVEST FINANCIAL	29.0%	n/m	+9.4%	$1.2B
93	HBTHBT Financial	29.0%	n/m	+15.6%	$1.3B
94	BPOPPopular	28.9%	n/m	+9.9%	$10.2B
95	SPFISouth Plains Financial	28.7%	n/m	+11.3%	$810.5M
96	BSRRSierra Bancorp	28.7%	n/m	+2.9%	$541.1M
97	CCNECNB Financial	28.7%	n/m	+42.0%	$1B
98	RNSTRenasant	28.7%	n/m	+32.8%	$3.8B
99	PDLBPonce Financial	28.1%	n/m	+27.6%	$498.8M
100	FBKFB Financial	28.1%	n/m	+63.7%	$2.7B

The first 100 of 176.

Not ranked: 22 with under $50M of revenue, 6 with a quarter missing, 2 with a margin moved by items that are not sales, 2 with not a meaningful number, 1 with no margin to measure. 8 companies whose data behind this number has a caveat are left out until it is checked.

A ranking of numbers, not a recommendation. A low multiple can be a bargain or a business in trouble: open the company to see which.