Top 3 Picks
2026 Outlook
For 2026, sector trends point to modest loan growth in residential and small-business lending as housing activity potentially rebounds and deposit costs stabilize. Efficiency initiatives and digital upgrades should support ROE expansion for higher-scoring names, though regulatory scrutiny on regional banks and competition from fintech remain headwinds. Overall, the cohort appears positioned for gradual valuation recovery if the Fed holds rates steady.
Complete Rankings
| Rank | Stock | Score | Price | Market Cap |
|---|---|---|---|---|
|
1
|
CFSB Bancorp, Inc. Common Stock
|
70.8 | -- | $92M |
|
2
|
Provident Financial Services, Inc.
|
70.1 | $23.72 | $2.5B |
|
3
|
First Savings Financial Group, Inc
|
68.8 | $33.98 | $220M |
|
4
|
BCB Bancorp Inc (NJ)
|
65.8 | $8.67 | $149M |
|
5
|
TFS Financial Corporation
|
64.4 | $17.57 | $3.7B |
|
6
|
Lake Shore Bancorp, Inc.
|
62.7 | $17.38 | $102M |
|
7
|
HomeTrust Bancshares, Inc.
|
62.2 | $47.25 | $711M |
|
8
|
Capitol Federal Financial, Inc.
|
62.1 | $8.87 | $816M |
|
9
|
Ponce Financial Group, Inc. Common Stock
|
61.5 | $20.72 | $333M |
|
10
|
Northfield Bancorp, Inc.
|
61.1 | $15.31 | $486M |
|
11
|
Riverview Bancorp Inc
|
61.0 | $5.32 | $111M |
|
12
|
Sound Financial Bancorp, Inc.
|
60.3 | $47.75 | $109M |
|
13
|
FIRST GUARANTY BANCSHARES INC
|
59.7 | $8.54 | $121M |
|
14
|
Northrim BanCorp Inc
|
59.6 | $26.45 | $473M |
|
15
|
Axos Financial, Inc. Common Stock
|
59.2 | $97.95 | $4.7B |
In-Depth Analysis: Top Savings Banks Stocks
CFSB
CFSB Bancorp Inc is a savings and loan holding company of Colonial Federal Savings Bank (the Bank). Through the bank, it operates as a full-service banking organization, offering various financial and banking products and services. Its primary deposit products are savings, checking, and term certificate accounts, and its primary lending product is residential mortgage loans. The group's loan portfolio includes …
CFSB Bancorp operates as a savings and loan holding company for Colonial Federal Savings Bank, delivering core deposit products including savings, checking, and term certificates within the traditional savings banks sector focused on residential lending and community deposits.
Limited financial data restricts detailed analysis, yet the Tradestie Score of 70.8/100 points to moderate financial health with stable deposit-driven operations but no clear evidence of strong profitability margins or growth metrics.
The 70.8 Tradestie Score positions CFSB for potential outperformance in 2026 if interest rate stabilization boosts net interest margins for savings banks. Its focus on core deposit gathering could support steady asset growth amid sector consolidation. Limited public data may also signal undervaluation relative to peers with more transparent earnings profiles.
PFS
Provident Financial Services Inc is the holding company for The Provident Bank, a community-oriented bank. The Company's operations are solely in the financial services industry and include providing traditional banking and other financial services to its customers. The Company operates in the geographical regions of northern and central New Jersey, Queens and Nassau Counties in New York and eastern Pennsylvania. …
Provident Financial Services, Inc. operates as the holding company for The Provident Bank, delivering traditional community banking services across regional markets in the Savings Banks sector. Its Tradestie Score of 70.1/100 reflects a stable mid-tier presence focused on local financial services.
A 35.0% profit margin demonstrates strong operational efficiency, while an 11.1% ROE indicates solid shareholder returns. Revenue growth of 3.8% supports steady financial health with controlled expansion.
The P/E ratio of 9.8 signals potential undervaluation, offering value investors an accessible entry into the Savings Banks sector. Combined with a 35.0% profit margin and 11.1% ROE, these metrics position PFS for earnings growth in 2026 amid stable regional lending demand. A Tradestie Score of 70.1/100 and 3.8% revenue growth provide a low-risk foundation for capital appreciation.
FSFG
First Savings Financial Group Inc provides various banking services to individuals and business customers in southern Indiana. The bank accepts deposits from the general public & uses those funds, along with other borrowings, mainly to originate a residential mortgage, commercial mortgage, construction, commercial business, & consumer loans, and to a lesser extent, to invest in mortgage-backed securities and other debt …
First Savings Financial Group operates as a regional savings bank in southern Indiana, accepting deposits to originate residential, commercial, and construction mortgages, thereby supporting local credit markets within the Savings Banks sector.
FSFG reports a 27.5% profit margin and 12.5% ROE alongside 26.3% revenue growth, reflecting efficient operations and solid earnings power, while its P/E of 10.0 signals a lean valuation relative to earnings.
FSFG's 26.3% revenue growth and 27.5% profit margin position it for continued expansion in mortgage lending amid potential 2026 rate stabilization. A P/E of 10.0 combined with 12.5% ROE offers attractive value in the sector, and the 68.8/100 Tradestie Score supports consideration for regional bank exposure.
BCBP
BCB Bancorp Inc is a bank holding company. The company offers loans, including commercial and multi-family real estate loans, home equity loans, construction loans, consumer loans, and commercial business loans; FDIC-insured deposit products, such as savings and club accounts, interest and non-interest bearing demand accounts, money market accounts, certificates of deposit and individual retirement accounts, and retail and commercial banking …
BCB Bancorp Inc operates as a bank holding company in the Savings Banks sector, delivering commercial, multi-family real estate, construction, and consumer loans alongside FDIC-insured deposit products to New Jersey communities.
BCBP reports a profit margin of -28.3%, ROE of -5.8%, and revenue growth of -80.8%, reflecting substantial net losses and sharp contraction in core banking operations.
The Tradestie Score of 65.8/100 indicates residual operational capacity that could support recovery in 2026 if real estate loan originations stabilize and deposit funding costs moderate. Investors may target the stock for potential margin expansion once revenue declines bottom out and efficiency initiatives take hold. Community-focused lending niches provide a platform for earnings rebound if macroeconomic conditions ease credit pressures.
TFSL
TFS Financial Corp is the holding company for the Third Federal Savings and Loan Association of Cleveland. The company's ownership in the savings and loan association is its primary business activity. The association's principal business consists of originating and servicing residential real estate mortgage loans and attracting retail savings deposits. It does so by offering products with competitive rates and …
TFS Financial Corporation serves as the holding company for Third Federal Savings and Loan Association of Cleveland, with its core activity centered on originating and servicing residential real estate loans, anchoring its position in the traditional Savings Banks sector focused on mortgage lending.
TFSL reports a 29.4% profit margin and 15.2% revenue growth, reflecting efficient operations and expanding loan volumes, yet its 5.3% ROE signals limited equity returns while the 48.6 P/E ratio indicates elevated valuation relative to earnings.
Investors should consider TFSL for 2026 as its 15.2% revenue growth and 29.4% margins position it to capitalize on residential mortgage demand in a stabilizing housing environment. The Tradestie Score of 64.4/100 highlights sector relevance that could drive earnings leverage if loan servicing scales further. A potential ROE lift from current 5.3% levels may support re-rating from the 48.6 P/E toward peer averages.
LSBK
Lake Shore Bancorp Inc operates as a savings and loan holdings company. The bank's business consists of attracting retail deposits from the general public in the areas surrounding its branch offices and investing those deposits, together with funds generated from operations, in commercial real estate loans, one-to-four family residential mortgage loans, home equity lines of credit and to a lesser …
Lake Shore Bancorp, Inc. matters in the Savings Banks sector as a regional savings and loan holding company that gathers retail deposits from areas around its branch offices and channels them into commercial real estate loans, supporting localized lending with a Tradestie Score of 62.7/100.
LSBK shows a 28.0% profit margin alongside 8.7% revenue growth, reflecting efficient operations, while its 7.1% ROE and 15.1 P/E ratio indicate moderate returns on equity relative to valuation.
Investors should consider LSBK for 2026 given its 8.7% revenue growth and 28.0% margins paired with a 15.1 P/E that offers reasonable entry valuation in the savings banks sector. Sustained deposit attraction and commercial real estate deployment could lift ROE above 7.1%, enhancing returns as regional economies stabilize.
HTB
HomeTrust Bancshares Inc operates as a bank holding company. It engaged in the business of planning, directing and coordinating the business activities of the Bank. The Bank is a North Carolina state chartered bank and provides a range of retail and commercial banking products. Company's principal business consists of attracting deposits from the general public and investing those funds, along …
HomeTrust Bancshares operates as the holding company for a North Carolina state-chartered bank delivering retail and commercial banking products, anchoring community-level deposit and lending activity in the Savings Banks sector.
A 30.9% profit margin and 11.0% ROE reflect efficient operations and solid capital returns, while the -1.0% revenue decline and 12.4 P/E indicate stable but non-expanding earnings at a modest valuation.
At a P/E of 12.4, HTB offers attractive entry valuation relative to its 30.9% margins and 11.0% ROE for 2026. Revenue contraction of -1.0% sets a low base for potential rebound as regional lending demand recovers. The 62.2 Tradestie Score supports a constructive risk-reward profile for value-oriented savings bank exposure.
CFFN
Capitol Federal Financial Inc is a bank holding company that operates through its wholly-owned subsidiary bank, Capitol Federal Savings Bank. The bank is a community-oriented financial institution that offers a variety of financial services through tens of locations. It primarily serves metropolitan areas within the state of Kansas. The bank performs traditional banking functions such as deposit-taking activities and investing …
Capitol Federal Financial, Inc. operates as a community-oriented savings bank through its subsidiary Capitol Federal Savings Bank, delivering core financial services across tens of metropolitan locations and reinforcing its role in regional deposit and lending markets within the Savings Banks sector.
The company reports a 36.7% profit margin and 18.3% revenue growth alongside an 8.0% ROE, indicating efficient operations and top-line expansion, while its 13.5 P/E ratio reflects measured earnings valuation.
CFFN's 18.3% revenue growth and 36.7% profit margin support earnings momentum into 2026, aided by a 13.5 P/E that offers entry at reasonable multiples versus sector peers. Its Tradestie Score of 62.1/100 and metropolitan focus position the stock for gains as community banking demand stabilizes and interest rate pressures ease.
PDLB
Ponce Financial Group Inc, is a United States-based holding company. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in mortgage loans, consisting of one-to-four-family residential, multi-family residential, non-residential property and construction and land, and, to a lesser extent, business, and consumer loans. The company also invests in securities, …
Ponce Financial Group, Inc. operates as a savings bank holding company that gathers public deposits to fund one-to-four-family and multi-family residential mortgage loans, directly supporting housing credit within the Savings Banks sector.
PDLB reports a 29.7% profit margin and 18.4% revenue growth alongside a P/E of 14.1, indicating efficient operations and top-line momentum, while the 6.2% ROE reflects moderate returns on equity.
With 18.4% revenue growth and a 29.7% profit margin, PDLB is positioned to expand mortgage originations into 2026. The 14.1 P/E and 61.5/100 Tradestie Score suggest the shares trade at an accessible valuation relative to earnings. Rising residential mortgage volumes could lift ROE and drive earnings expansion for equity holders.
NFBK
Northfield Bancorp Inc is the holding company for Northfield Bank. Its subsidiary provides banking services to individuals and corporate customers in Richmond and Kings Counties in New York, and Hunterdon, Mercer, Union and Middlesex counties in New Jersey. The bank attracts deposits and offers credit and other banking services.
Northfield Bancorp serves as a regional savings bank holding company, attracting deposits and extending credit to individuals and corporate clients across Richmond, Kings, Hunterdon, Mercer, Union, and Middlesex counties in New York and New Jersey.
Profitability metrics show a 3.1% profit margin and 0.7% ROE, indicating limited earnings efficiency, while 24.5% revenue growth highlights top-line momentum that has not yet translated into stronger returns at the current 114.3 P/E.
Revenue growth of 24.5% positions NFBK for potential margin expansion by 2026 if deposit costs stabilize and lending volumes increase in its core NY-NJ markets. The 61.1 Tradestie Score reflects moderate sector standing that could improve with scale, offering entry for investors targeting undervalued regional thrifts once ROE rises above 1%. High P/E compression may occur if earnings catch revenue trends, supporting capital appreciation in a recovering interest rate environment.
Methodology
Stocks are ranked using the Tradestie Score, a proprietary 0-100 rating that combines fundamental quality (profitability, balance sheet strength), growth metrics (revenue and earnings growth), valuation (P/E, PEG ratio), and momentum factors. Scores are updated daily based on the latest market data. Learn more about our methodology.