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U.S. Banks Industry Analysis

UpdatedFeb 15, 2026
DataAggregated Company Financials
Companies639
  • 7D-5.7%
  • 3M9.3%
  • 1Y13.2%
  • YTD-1.8%

Over the last 7 days, the Banks industry has dropped 5.7%, driven by JPMorgan Chase declining 6.2%. This takes the industry's 12 month performance to a gain of 13%. As for the next few years, earnings are expected to grow by 8.9% per annum.

Industry Valuation and Performance

Has the U.S. Banks Industry valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Sun, 15 Feb 2026US$2.8tUS$708.2bUS$195.8b11.9x14.2x3.9x
Tue, 13 Jan 2026US$2.9tUS$693.7bUS$191.6b11.8x15.1x4.2x
Thu, 11 Dec 2025US$2.7tUS$695.9bUS$192.3b11.9x14.3x3.9x
Sat, 08 Nov 2025US$2.7tUS$695.4bUS$192.1b11.1x13.8x3.8x
Mon, 06 Oct 2025US$2.7tUS$678.0bUS$184.0b11.8x14.5x3.9x
Wed, 03 Sep 2025US$2.7tUS$678.7bUS$184.0b11.8x14.5x3.9x
Fri, 01 Aug 2025US$2.6tUS$678.1bUS$183.6b11.2x14x3.8x
Sun, 29 Jun 2025US$2.5tUS$668.9bUS$177.1b11.4x14.2x3.8x
Tue, 27 May 2025US$2.3tUS$668.5bUS$177.0b11.2x13x3.4x
Thu, 24 Apr 2025US$2.1tUS$667.2bUS$176.6b10.8x11.9x3.2x
Sat, 22 Mar 2025US$2.2tUS$663.0bUS$171.9b11.2x13.1x3.4x
Mon, 17 Feb 2025US$2.5tUS$662.3bUS$171.5b12.1x14.8x3.8x
Wed, 15 Jan 2025US$2.4tUS$654.3bUS$143.4b12.2x16.6x3.6x
Fri, 13 Dec 2024US$2.4tUS$655.1bUS$143.0b13x17x3.7x
Sun, 10 Nov 2024US$2.4tUS$654.4bUS$142.7b12.7x16.8x3.7x
Tue, 08 Oct 2024US$2.1tUS$654.4bUS$145.7b11.4x14.6x3.2x
Thu, 05 Sep 2024US$2.2tUS$653.0bUS$145.6b11.6x14.9x3.3x
Sat, 03 Aug 2024US$2.1tUS$652.4bUS$145.4b11.1x14.4x3.2x
Mon, 01 Jul 2024US$2.0tUS$649.6bUS$149.6b9.9x13.5x3.1x
Wed, 29 May 2024US$2.0tUS$655.5bUS$151.2b9.7x13.3x3.1x
Fri, 26 Apr 2024US$2.0tUS$653.1bUS$162.0b9.6x12.1x3x
Sun, 24 Mar 2024US$2.0tUS$654.3bUS$166.3b9.5x11.8x3x
Tue, 20 Feb 2024US$1.8tUS$652.8bUS$168.4b9.6x11x2.8x
Thu, 18 Jan 2024US$1.8tUS$668.9bUS$185.8b9.1x9.5x2.6x
Sat, 16 Dec 2023US$1.8tUS$667.8bUS$195.5b9.4x9.3x2.7x
Mon, 13 Nov 2023US$1.5tUS$667.4bUS$195.2b8.2x7.8x2.3x
Wed, 11 Oct 2023US$1.5tUS$656.7bUS$191.6b7.9x7.9x2.3x
Fri, 08 Sep 2023US$1.5tUS$656.8bUS$191.7b8x8x2.3x
Sun, 06 Aug 2023US$1.7tUS$656.3bUS$189.6b8.7x8.9x2.6x
Tue, 04 Jul 2023US$1.6tUS$641.8bUS$184.0b7.8x8.6x2.5x
Thu, 01 Jun 2023US$1.5tUS$642.2bUS$184.2b7.4x8x2.3x
Sat, 29 Apr 2023US$1.5tUS$641.2bUS$172.7b8.1x8.9x2.4x
Mon, 27 Mar 2023US$1.5tUS$624.0bUS$165.4b8.5x8.9x2.4x
Wed, 22 Feb 2023US$1.8tUS$617.3bUS$163.1b9.6x11.1x2.9x
Price to Earnings Ratio

11.1x


Total Market Cap: US$1.8tTotal Earnings: US$163.1bTotal Revenue: US$617.3bTotal Market Cap vs Earnings and Revenue0%0%0%
U.S. Banks Industry Price to Earnings3Y Average 12.3x202420252026
Current Industry PE
  • Investors are optimistic on the American Banks industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 14.2x which is higher than its 3-year average PE of 12.3x.
  • The 3-year average PS ratio of 3.2x is lower than the industry's current PS ratio of 3.9x.
Past Earnings Growth
  • The earnings for companies in the Banks industry have grown 6.3% per year over the last three years.
  • Revenues for these companies have grown 4.7% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the U.S. Financials industry?

US Market-1.34%
Financials-4.29%
Banks-5.74%
Regional Banks-3.27%
Diversified Banks-6.61%
Industry PE
  • Investors are most optimistic about the Diversified Banks industry which is trading above its 3-year average PE ratio of 11.9x.
    • Analysts are expecting annual earnings growth of 6.8%, which is lower than the prior year's growth of 13.6% per year.
  • Investors are most pessimistic about the Regional Banks industry, which is trading close to its 3-year average of 13.9x.
Forecasted Growth
  • Analysts are most optimistic on the Regional Banks industry, expecting annual earnings growth of 15% over the next 5 years.
  • However this is lower than its past earnings growth rate of 20% per year.
  • In contrast, the Diversified Banks industry is expected to see its earnings grow by 6.8% per year over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
CBC Central BancompanyUS$24.521.1%
+US$63.9m		78.9%PB1.6x
NIC Nicolet BanksharesUS$155.191.9%
+US$43.1m		31.0%PB1.8x
OFG OFG BancorpUS$41.912.4%
+US$42.0m		0.3%PB1.3x
EFSC Enterprise Financial ServicesUS$60.791.5%
+US$33.3m		-0.1%PB1.1x
RBKB Rhinebeck BancorpUS$15.4721.3%
+US$29.5m		54.4%PB1.2x

Latest News

JPM
US$302.55
JPMorgan Chase
7D
-6.2%
1Y
9.4%
PNC
US$229.32
PNC Financial Services Group
7D
-5.4%
1Y
18.3%
OFG
US$41.91
OFG Bancorp
7D
2.4%
1Y
0.3%

OFG: Dividend And Buyback Actions Will Offset Tempered Outlook And Neutral Ratings

Analysts reduced their price target on OFG Bancorp by $4, citing updated expectations for slightly lower revenue growth, modestly different profitability assumptions, and an adjusted future P/E outlook reflected in recent Neutral and downgrade actions. Analyst Commentary Recent research updates sketch a more balanced picture for OFG Bancorp, with analysts adjusting expectations on revenue growth, profitability, and the future P/E multiple that they see as appropriate for the stock.
CBC
US$24.52
Central Bancompany
7D
1.1%
1Y
78.9%
HBAN
US$17.26
Huntington Bancshares
7D
-10.4%
1Y
3.2%
RBKB
US$15.47
Rhinebeck Bancorp
7D
21.3%
1Y
54.4%
BAC
US$52.55
Bank of America
7D
-7.0%
1Y
11.9%

BAC: Net Interest Income And Expense Discipline Will Drive Future Earnings Power

Analysts nudged their fair value target for Bank of America slightly lower to about US$62.23, reflecting a mix of recent Street price target moves and updated assumptions around the discount rate, revenue growth, profit margins, and future P/E expectations. Analyst Commentary Street research on Bank of America is mixed, with several firms tweaking price targets and ratings as they reassess earnings power, valuation, and execution risks.
WFC
US$86.98
Wells Fargo
7D
-7.4%
1Y
8.8%
MOFG
US$49.31
MidWestOne Financial Group
7D
2.3%
1Y
53.8%

MOFG: Proposed Merger Will Likely Keep Shares Trading Above Implied Value

Narrative Update Analysts have nudged their fair value estimate for MidWestOne Financial Group higher, lifting the price target from $36.75 to about $37.33. This reflects updated assumptions around revenue growth, profit margins, the discount rate and future P/E levels.
USB
US$57.69
U.S. Bancorp
7D
-4.9%
1Y
20.8%
TFC
US$51.90
Truist Financial
7D
-7.0%
1Y
10.9%
ISBA
US$51.30
Isabella Bank
7D
5.7%
1Y
101.6%
C
US$110.86
Citigroup
7D
-9.6%
1Y
31.0%
EFSC
US$60.79
Enterprise Financial Services
7D
1.5%
1Y
-0.1%

Enterprise Financial Services (NASDAQ:EFSC) Is Increasing Its Dividend To $0.33

Jan 30
Enterprise Financial Services (NASDAQ:EFSC) Is Increasing Its Dividend To $0.33
NIC
US$155.19
Nicolet Bankshares
7D
1.9%
1Y
31.0%
SFBS
US$86.14
ServisFirst Bancshares
7D
0.5%
1Y
-2.7%