U.S. Bancorp has delivered strong operating performance, with shares up nearly 39% since April 2024 and a robust 4% dividend yield. USB's revenue mix is increasingly balanced, as fee income rose 7.6% YoY and cost-to-income ratio improved to 57.2% in Q3 2025. Profitability is rising, with net income up 19% YoY and ROE reaching 12.9%, driven by efficiency gains and business diversification.
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Parke Bancorp Remains A Great Prospect
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The First Bancorp delivered robust earnings growth, with net income up 20% YoY despite higher loan loss provisions. FNLC's net interest income surged nearly 25%, supported by rising interest income and lower expenses, while the dividend remains well-covered. Loan book quality is under scrutiny as past due loans—mainly CRE—rose, but real estate backing and modest provisioning mitigate immediate risk.
Fifth Third Bancorp (FITB) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript
Shares of East West Bancorp have had a solid year, outperforming the wider regional bank space with about a 16% return. Like many banks, East West has benefited from a wider net interest margin, although volume growth has also been strong. East West's loan concentration is on the high side, while its book skews to commercial lending. Despite its sensitivity to economic developments, it also enjoys strong profitability and ample capital.
Valley National Bancorp remains a quality prospect, with continued growth in deposits, loans, and revenue despite underperforming the S&P 500. VLY's balance sheet is solid, with low uninsured deposit exposure and a diversified loan portfolio, though credit quality metrics need improvement. The stock trades at attractive price-to-book and price-to-earnings multiples, making it cheaper than peers and supporting optimism for future returns.
Customers Bancorp demonstrates strong loan and deposit growth, with improving net interest margins and resilient financial performance despite industry headwinds. CUBI recently announced the redemption of its high-yielding preferred shares but offers a baby bond (CUBB) yielding 7.5% to maturity as an alternative for income investors. Loan-to-deposit and external financing ratios remain conservative, supporting continued growth in net interest income and reducing funding risks.
Investors need to pay close attention to Riverview Bancorp stock based on the movements in the options market lately.
Valley National Bancorp offers three preferred share options, with the Series C fixed rate reset providing an 8% yield until 2029. VLY's net interest income is growing, supported by rising interest income and reduced reliance on external financing, despite modest loan growth and rising nonperforming assets. The fixed rate reset preferred shares are favored over floating options, as expected Fed rate cuts could lower floating yields below VLYPN's fixed yield.
Horizon Bancorp has completed a transformative balance sheet repositioning, strengthening its capital and improving its risk profile. HBNC's net interest margin expanded significantly, with management guiding for continued margin growth and higher run-rate earnings into 2026. The company is now positioned for M&A activity, targeting growth in Michigan and Indiana, following the cleanup of its securities portfolio and capital raise.