Savings Institution, Federally Chartered stocks: intrinsic value, ROIC & growth
12 U.S. savings institution, federally chartered companies with at least three years of SEC filings, ranked by size. 5 of the 8 with a current price trade below their Graham intrinsic value. The median company earned a 2.1% average return on invested capital and grew revenue -0.7% a year.
Updated October 18, 2026
12companies
5below Graham value
2.1%median 10-yr ROIC
-0.7%median revenue CAGR
Most undervalued savings institution, federally chartered stocks
| Ticker | Company | Upside | Price | Graham value | Price vs value | Market cap | ROIC (10y) | Revenue CAGR |
|---|---|---|---|---|---|---|---|---|
| PDLB | Ponce Financial Group, Inc. | +98% | $20.13 | $39.86 | 49% below | $464.2M | 2.1% | -25.9% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | +68% | $22.23 | $37.44 | 41% below | $2.9B | 8.0% | 8.2% |
| BKU | BankUnited, Inc. | +49% | $41.94 | $62.43 | 33% below | $3.1B | 10.3% | -7.7% |
Highest-ROIC savings institution, federally chartered stocks
| Ticker | Company | 10-yr ROIC | Price | Graham value | Price vs value | Market cap | ROIC (10y) | Revenue CAGR |
|---|---|---|---|---|---|---|---|---|
| NRIM | NORTHRIM BANCORP INC | 12.9% | $23.55 | $95.33 | 75% below | $529.5M | 12.9% | 51.0% |
| BKU | BankUnited, Inc. | 10.3% | $41.94 | $62.43 | 33% below | $3.1B | 10.3% | -7.7% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | 8.0% | $22.23 | $37.44 | 41% below | $2.9B | 8.0% | 8.2% |
| EBC | Eastern Bankshares, Inc. | 5.5% | $21.31 | $9.09 | 134% above | $4.4B | 5.5% | -2.8% |
| PDLB | Ponce Financial Group, Inc. | 2.1% | $20.13 | $39.86 | 49% below | $464.2M | 2.1% | -25.9% |
All savings institution, federally chartered stocks
| Ticker | Company | Price | Graham value | Price vs value | Market cap | ROIC (10y) | Revenue CAGR |
|---|---|---|---|---|---|---|---|
| EBC | Eastern Bankshares, Inc. | $21.31 | $9.09 | 134% above | $4.4B | 5.5% | -2.8% |
| BKU | BankUnited, Inc. | $41.94 | $62.43 | 33% below | $3.1B | 10.3% | -7.7% |
| PFS | PROVIDENT FINANCIAL SERVICES INC | $22.23 | $37.44 | 41% below | $2.9B | 8.0% | 8.2% |
| NRIM | NORTHRIM BANCORP INC | $23.55 | $95.33 | 75% below | $529.5M | 12.9% | 51.0% |
| PDLB | Ponce Financial Group, Inc. | $20.13 | $39.86 | 49% below | $464.2M | 2.1% | -25.9% |
| FCAP | FIRST CAPITAL INC | $61.16 | $103.36 | 41% below | $204.8M | 11.0% | 5.4% |
| BYFC | BROADWAY FINANCIAL CORP \DE\ | $11.37 | $0.02 | 56750% above | $97.7M | 0.3% | -4.0% |
| FDSB | Fifth District Bancorp, Inc. | $16.88 | $4.85 | 248% above | $86.5M | 1.1% | -0.7% |
| GBNY | Generations Bancorp NY, Inc. | — | — | — | — | 1.8% | -8.9% |
| FSEA | First Seacoast Bancorp, Inc. | — | $14.95 | — | — | -3.4% | 16.2% |
| NSTS | NSTS Bancorp, Inc. | — | — | — | — | -1.1% | -0.2% |
| MGNO | Magnolia Bancorp, Inc. | $14.77 | — | — | — | -0.4% | -13.4% |
Stock lists
Undervalued Stocks Below Graham Intrinsic Value
Highest ROIC Stocks (10-Year Average)
Highest Free Cash Flow Yield Stocks
Fastest-Growing Stocks by 10-Year Revenue