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Regional banks — US Northeast

The 75 companies in this industry listed on the NYSE and Nasdaq are worth $228 bn combined; the largest are PNC Financial Services (PNC), M&T Bank (MTB) and Citizens Financial Group (CFG). For each one: what it does, revenue, margin, free cash flow over the last five years and a score from 0 to 10.

Data as of October 2026

Open contest
75 companies value 228 bn revenue 75 bn margin — free cash flow — avg. score 6.0
PNC holds 37.8% of the group's value, 2.8x the runner-up
Rank Ticker Company Share Value Revenue Margin FCF 5 years FCF/px Yield What it does · why it is here
1 PNC PNC Financial Services
United States · score 5.8
 38% 86 bn 25 bn 30.7% 7.5 bn 8.7% 3.2% Retail and commercial banking and wealth management · Credit risk management recognized as the best among regional banks
2 MTB M&T Bank
United States · score 6.5
 14% 31 bn 10.0 bn 30.4% 3.8 bn 12.3% 2.9% Retail and commercial bank in New York State · Conservative credit record; came through every crisis without an annual loss
3 CFG Citizens Financial Group
United States · score 6.3
 12% 26 bn 8.7 bn 24.4% 2.5 bn 9.5% 3.0% Retail and commercial bank in the US Northeast · Northeastern regional bank expanding into wealth management
4 VLY VALLEY NATIONAL BANCORP
United States · score 7.2
 3% 6.9 bn 3.3 bn 21.2% 0.6 bn 8.0% 3.6% Regional bank in New Jersey and New York · New York — assets of $66.3bn
5 FNB FNB CORP/PA/
United States · score 6.4
 3% 6.0 bn 2.3 bn 25.9% 0.6 bn 10.4% 3.0% Pennsylvania bank holding company · Pennsylvania — assets of $51bn
6 EBC Eastern Bankshares, Inc.
United States · score 6.7
 2% 4.8 bn 1.1 bn 33.5% 0.4 bn 8.5% 2.4% Bank holding company from Boston · Massachusetts — assets of $31.1bn
7 FLG FLAGSTAR BANK, NATIONAL ASSOCIATION
United States · score 3.2
 2% 4.5 bn 4.1 bn 1.2% 0.2 bn 3.6% 0.3% National bank from Hicksville, New York, with $87.5 billion in assets · New York — assets of $87.7bn
8 FULT FULTON FINANCIAL CORP
United States · score 6.9
 2% 4.2 bn 1.4 bn 29.0% 0.4 bn 10.1% 3.5% Regional bank in Pennsylvania and neighboring states · Pennsylvania — assets of $34.6bn
9 INDB INDEPENDENT BANK CORP
United States · score 6.6
 2% 3.8 bn 1.2 bn 23.2% 0.3 bn 8.1% 3.0% Eastern Massachusetts bank, with 150 branches · Massachusetts — assets of $25bn
10 CBU COMMUNITY FINANCIAL SYSTEM, INC.
United States · score 6.7
 1% 3.1 bn 0.9 bn 26.6% 0.3 bn 7.8% 3.1% Diversified financial services from upstate New York · New York — assets of $17.8bn
11 PFS PROVIDENT FINANCIAL SERVICES INC
United States · score 6.7
 1% 2.9 bn 0.9 bn 34.5% 0.3 bn 12.2% 4.3% Holding of Provident Bank, a New Jersey savings bank · New Jersey — assets of $25.7bn
12 CLBK Columbia Financial, Inc./MD/
United States · score 4.8
 1% 2.8 bn — — — — — — New Jersey bank, controlled by a mutual holding company · New Jersey — assets of $12.2bn
13 NBTB NBT BANCORP INC
United States · score 6.9
 1% 2.6 bn 0.7 bn 28.8% 0.3 bn 9.3% 2.9% Financial holding company in Norwich, New York · New York — assets of $16.2bn
14 CUBI Customers Bancorp, Inc.
United States · score 6.7
 1% 2.5 bn 1.4 bn 20.9% 0.4 bn 14.6% — Bank holding company of Customers Bank · Pennsylvania — assets of $26.5bn
15 BBT Beacon Financial Corp
United States · score 6.2
 1% 2.3 bn 0.8 bn 20.0% 0.2 bn 9.6% 4.1% Holding company of Beacon Bank & Trust · Massachusetts — assets of $22.3bn
16 NWBI Northwest Bancshares, Inc.
United States · score 6.9
 1% 2.2 bn 0.8 bn 19.0% 0.1 bn 6.3% 5.4% Community bank in Pennsylvania and New York state · Pennsylvania — assets of $17.2bn
17 FCF FIRST COMMONWEALTH FINANCIAL CORP /PA/
United States · score 6.7
 1% 2.0 bn 0.6 bn 26.2% 0.2 bn 8.6% 2.7% Pennsylvania bank, from Indiana, PA · Pennsylvania — assets of $12.2bn
18 STBA S&T BANCORP INC
United States · score 6.8
 1% 1.7 bn 0.5 bn 27.2% 0.1 bn 8.4% 3.1% Holding of S&T Bank · Pennsylvania — assets of $9.9bn
19 DCOM Dime Commercial Bancshares, Inc. /NY/
United States · score 6.5
 1% 1.7 bn 0.5 bn 26.3% 0.2 bn 11.8% 2.5% New York commercial bank, from Long Island and Brooklyn · New York — assets of $15bn
20 CNOB ConnectOne Bancorp, Inc.
United States · score 6.8
 1% 1.5 bn 0.8 bn 21.3% 0.1 bn 8.4% 2.4% Commercial bank in the New York metro area and Florida · New Jersey — assets of $14.4bn
21 OCFC OCEANFIRST FINANCIAL CORP
United States · score 5.9
 1% 1.5 bn 0.7 bn 6.7% 0.1 bn 7.5% 3.0% New Jersey bank, with more than $10 billion in assets · New Jersey — assets of $23.3bn
22 TMP TOMPKINS FINANCIAL CORP
United States · score 6.9
 1% 1.4 bn 0.5 bn 38.7% 0.1 bn 3.4% 2.7% Community banking, investment management and trust services · New York — assets of $8.8bn
23 AMAL Amalgamated Financial Corp.
United States · score 6.5
 1% 1.4 bn 0.4 bn 25.5% 0.1 bn 10.5% 1.3% Holding of Amalgamated Bank · New York — assets of $9.4bn
24 ESQ Esquire Financial Holdings, Inc.
United States · score 5.9
 1% 1.4 bn 0.1 bn 34.1% 0.1 bn 4.7% 0.5% Bank for law firms and payments, from New York · New York — assets of $2.5bn
25 MCB Metropolitan Bank Holding Corp.
United States · score 6.2
 1% 1.1 bn 0.3 bn 24.8% 0.1 bn 10.0% 0.3% New York commercial bank · New York — assets of $8.9bn
26 UVSP UNIVEST FINANCIAL Corp
United States · score 6.7
 1% 1.1 bn 0.3 bn 29.0% 0.1 bn 9.4% 2.3% Pennsylvania bank and trust company · Pennsylvania — assets of $8.2bn
27 CCNE CNB FINANCIAL CORP/PA
United States · score 6.6
 0% 1.0 bn 0.5 bn 21.3% 0.1 bn 8.5% 2.2% Financial holding registered with the Federal Reserve · Pennsylvania — assets of $8.4bn
28 NBBK NB Bancorp, Inc.
United States · score 5.7
 0% 0.9 bn 0.4 bn 14.9% 0.1 bn 8.3% 0.6% Holding company of Needham Bank · Massachusetts — assets of $7.4bn
29 MPB MID PENN BANCORP INC
United States · score 6.4
 0% 0.9 bn 0.3 bn 19.3% 0.1 bn 8.1% 2.4% Pennsylvania financial holding company · Pennsylvania — assets of $7.1bn
30 CAC CAMDEN NATIONAL CORP
United States · score 6.3
 0% 0.9 bn 0.3 bn 33.4% 0.1 bn 10.9% 3.0% Maine bank holding company, with $7.0 billion in assets · Maine — assets of $7bn
31 TRST TRUSTCO BANK CORP N Y
United States · score 6.5
 0% 0.9 bn 0.3 bn 24.5% 0.1 bn 6.5% 3.0% Savings and loan holding in Glenville, New York · New York — assets of $6.5bn
32 FISI FINANCIAL INSTITUTIONS INC
United States · score 6.7
 0% 0.8 bn 0.3 bn 24.8% 0.1 bn 7.3% 3.2% Upstate New York bank · New York — assets of $6.3bn
33 PGC PEAPACK GLADSTONE FINANCIAL CORP
United States · score 6.0
 0% 0.8 bn 0.3 bn 16.4% 0.1 bn 13.5% 0.5% New Jersey bank, with wealth management · New Jersey — assets of $8bn
34 ORRF ORRSTOWN FINANCIAL SERVICES INC
United States · score 7.1
 0% 0.8 bn 0.3 bn 33.6% 0.1 bn 10.5% 2.7% Pennsylvania bank, from Shippensburg · Pennsylvania — assets of $5.6bn
35 PFIS PEOPLES FINANCIAL SERVICES CORP.
United States · score 6.8
 0% 0.7 bn 0.3 bn 21.5% 0.0 bn 6.6% 3.7% Bank holding company in Pennsylvania · Pennsylvania — assets of $5.4bn
36 WASH WASHINGTON TRUST BANCORP INC
United States · score 6.6
 0% 0.7 bn 0.2 bn 23.7% 0.1 bn 13.7% 6.2% Lending to individuals, businesses, nonprofits and municipalities · Rhode Island — assets of $6.5bn
37 AROW ARROW FINANCIAL CORP
United States · score 5.8
 0% 0.7 bn 0.1 bn 49.0% 0.0 bn 6.5% — Bank holding company with an insurance agency and investment manager · New York — assets of $4.5bn
38 KRNY Kearny Financial Corp.
United States · score 5.1
 0% 0.6 bn 0.3 bn 11.2% 0.0 bn 6.1% 4.8% New Jersey savings bank · New Jersey — assets of $7.7bn
39 BHB BAR HARBOR BANKSHARES
United States · score 6.1
 0% 0.6 bn 0.2 bn 22.0% 0.1 bn 8.9% 3.4% Holding company of Bar Harbor Bank & Trust, in northern New England · Maine — assets of $4.7bn
40 ACNB ACNB CORP
United States · score 6.2
 0% 0.6 bn 0.2 bn 27.1% 0.1 bn 9.2% 3.2% Financial holding company from Gettysburg, Pennsylvania · Pennsylvania — assets of $3.3bn
41 UNTY UNITY BANCORP INC /NJ/
United States · score 6.4
 0% 0.6 bn 0.2 bn 32.2% 0.0 bn 4.8% 1.1% Community bank in New Jersey · New Jersey — assets of $3.2bn
42 GCBC GREENE COUNTY BANCORP INC
United States · score 6.2
 0% 0.6 bn 0.1 bn 31.3% 0.0 bn 7.2% 0.7% Bank holding company controlled by a mutual · New York — assets of $3.2bn
43 PDLB Ponce Financial Group, Inc.
United States · score 4.3
 0% 0.5 bn 0.2 bn 17.2% 0.1 bn 11.9% — Bank for Hispanic communities in New York · New York — assets of $3.5bn
44 CZNC CITIZENS & NORTHERN CORP
United States · score 6.5
 0% 0.5 bn 0.2 bn 16.1% 0.0 bn 9.8% 3.9% Community bank holding company · Pennsylvania — assets of $3.2bn
45 OBT Orange County Bancorp, Inc. /DE/
United States · score 6.8
 0% 0.5 bn 0.1 bn 34.1% 0.1 bn 13.1% 1.8% Bank holding company in Middletown, New York · New York — assets of $2.8bn
46 BWFG Bankwell Financial Group, Inc.
United States · score 6.2
 0% 0.5 bn 0.1 bn 35.2% 0.0 bn 6.7% 1.2% Connecticut bank, within a 100-mile radius · Connecticut — assets of $3.5bn
47 FNLC First Bancorp, Inc /ME/
United States · score 6.5
 0% 0.4 bn 0.2 bn 23.5% 0.0 bn 9.3% 4.3% Community bank in Maine · Maine — assets of $3.2bn
48 PKBK PARKE BANCORP, INC.
United States · score 7.0
 0% 0.4 bn 0.1 bn 30.7% 0.0 bn 11.7% 2.2% New Jersey bank holding company, from 2005 · New Jersey — assets of $2.3bn
49 NECB NorthEast Community Bancorp, Inc./MD/
United States · score 6.9
 0% 0.4 bn 0.1 bn 28.3% 0.1 bn 12.9% 3.7% Construction lending bank in New York · New York — assets of $2.1bn
50 CHMG CHEMUNG FINANCIAL CORP
United States · score 6.4
 0% 0.4 bn 0.1 bn 24.6% 0.1 bn 11.8% 1.7% Upstate New York bank, with financial services · New York — assets of $2.8bn
51 AVBC Avidia Bancorp, Inc.
United States · score 5.0
 0% 0.4 bn 0.1 bn 13.1% 0.1 bn 11.0% — Massachusetts bank, with nine branches · Massachusetts — assets of $2.8bn
52 CZFS CITIZENS FINANCIAL SERVICES INC
United States · score 5.5
 0% 0.4 bn 0.1 bn 34.8% 0.0 bn 9.7% 2.5% Pennsylvania bank, with wealth and mineral management · Pennsylvania — assets of $3.2bn
53 PBFS Pioneer Bancorp, Inc./MD
United States · score 5.2
 0% 0.4 bn 0.1 bn 16.5% 0.0 bn 5.5% — Holding company of Pioneer Bank, from New York · New York — assets of $2.4bn
54 NWFL NORWOOD FINANCIAL CORP
United States · score 6.6
 0% 0.4 bn 0.1 bn 28.0% 0.0 bn 8.2% 3.5% Community bank in northeastern Pennsylvania and New York · Pennsylvania — assets of $2.9bn
55 BCBP BCB BANCORP INC
United States · score 3.4
 0% 0.3 bn 0.2 bn -10.6% 0.0 bn 13.6% 3.2% New Jersey bank, with commercial and multifamily lending · New Jersey — assets of $3.1bn
56 BPRN Princeton Bancorp, Inc.
United States · score 6.8
 0% 0.3 bn 0.1 bn 20.3% 0.0 bn 7.9% 3.1% Princeton bank, in New Jersey, since 2007 · Pennsylvania — assets of $2.3bn
57 FDBC FIDELITY D & D BANCORP INC
United States · score 6.6
 0% 0.3 bn 0.1 bn 24.7% 0.0 bn 7.9% 2.9% Holding of Fidelity Deposit and Discount Bank, of Pennsylvania · Pennsylvania — assets of $3bn
58 FRAF FRANKLIN FINANCIAL SERVICES CORP /PA/
United States · score 6.7
 0% 0.3 bn 0.1 bn 21.4% 0.0 bn 15.1% 2.1% Pennsylvania bank holding company, since 1983 · Pennsylvania — assets of $2.3bn
59 WNEB Western New England Bancorp, Inc.
United States · score 6.0
 0% 0.3 bn 0.1 bn 13.8% 0.0 bn 6.4% 2.1% Savings holding company from Westfield, Massachusetts · Massachusetts — assets of $2.7bn
60 QNBC QNB CORP.
United States · score 5.3
 0% 0.3 bn 0.1 bn 13.4% 0.0 bn 5.9% 2.0% Pennsylvania commercial bank · Pennsylvania — assets of $2.4bn
61 MRBK Meridian Corp
United States · score 6.6
 0% 0.2 bn 0.1 bn 16.6% 0.0 bn 8.5% 2.8% Bank for small and midsize businesses and consumers · Pennsylvania — assets of $2.6bn
62 HNVR Hanover Bancorp, Inc. /MD
United States · score 5.8
 0% 0.2 bn 0.1 bn 7.3% 0.0 bn 15.4% 1.8% Holding company of Hanover Community Bank, from New York · New York — assets of $2.3bn
63 CBFV CB Financial Services, Inc.
United States · score 4.7
 0% 0.2 bn 0.1 bn 9.0% 0.0 bn 10.3% 2.9% Bank holding company from Carmichaels, Pennsylvania · Pennsylvania — assets of $1.7bn
64 CMTV COMMUNITY BANCORP /VT
United States · score 6.5
 0% 0.2 bn 0.1 bn 29.0% 0.0 bn 8.7% 1.8% Community bank in Vermont · Vermont — assets of $1.2bn
65 RBKB Rhinebeck Bancorp, Inc.
United States · score 5.4
 0% 0.2 bn 0.1 bn 18.4% 0.0 bn 6.4% — Hudson Valley bank, with 12 branches · New York — assets of $1.5bn
66 ECBK ECB Bancorp, Inc. /MD/
United States · score 5.6
 0% 0.2 bn 0.0 bn 29.4% 0.0 bn 13.1% — Boston-area bank, with three branches · Massachusetts — assets of $1.7bn
67 UNB UNION BANKSHARES INC
United States · score 7.2
 0% 0.1 bn 0.1 bn 15.5% 0.0 bn 18.5% 5.9% Retail and commercial banking for small and midsize businesses · Vermont — assets of $1.6bn
68 PBHC Pathfinder Bancorp, Inc.
United States · score 4.8
 0% 0.1 bn 0.1 bn 0.2% 0.0 bn 14.0% 2.5% Holding company of Pathfinder Bank, from Oswego, New York · New York — assets of $1.5bn
69 MGYR Magyar Bancorp, Inc.
United States · score 6.2
 0% 0.1 bn 0.1 bn 20.0% 0.0 bn 11.1% 1.4% New Jersey community bank · New Jersey — assets of $1bn
70 SRBK SR Bancorp, Inc.
United States · score 3.9
 0% 0.1 bn 0.1 bn 6.8% 0.0 bn 6.7% 1.1% Holding company of Somerset Regal Bank · New Jersey — assets of $1.2bn
71 WSBK Winchester Bancorp, Inc./MD/
United States · score 4.8
 0% 0.1 bn 0.1 bn 8.8% 0.0 bn 4.5% — Massachusetts savings bank, controlled by a mutual holding company · Massachusetts — assets of $1.1bn
72 PNBK PATRIOT NATIONAL BANCORP INC
United States · score 0.6
 0% 0.1 bn 0.1 bn -11.9% -0.0 bn -19.5% — Connecticut bank holding company · Connecticut — assets of $1.3bn
73 LSBK Lake Shore Bancorp, Inc. /MD/
United States · score 6.1
 0% 0.1 bn 0.0 bn 22.5% 0.0 bn 7.5% 1.9% Holding company of Lake Shore Bank · New York — assets of $737m
74 BSBK Bogota Financial Corp.
United States · score 4.6
 0% 0.1 bn 0.0 bn 6.2% 0.0 bn 3.5% — Holding company of Bogota Savings Bank · New Jersey — assets of $875m
75 ASRV AMERISERV FINANCIAL INC /PA/
United States · score 6.1
 0% 0.1 bn 0.0 bn 56.6% 0.0 bn 2.5% 2.7% Pennsylvania bank holding company · Pennsylvania — assets of $1.5bn

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What this is. A catalogue, not a guide. Every industry with stocks listed on the NYSE or NASDAQ, the companies contending for its leadership, what each one does according to its own annual report, and the balance sheet it filed with the SEC.

The score runs from 0 to 10 and compares each company with every other one in the almanac on cash generation, profitability, debt, dividends and consistency over the last five years. The higher it is, the better the company fares in that comparison. Curious how much each part weighs? Ask at the bottom of the page.

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