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Regional banks — US South

The 94 companies in this industry listed on the NYSE and Nasdaq are worth $296 bn combined; the largest are Truist Financial (TFC), First Citizens BancShares (FCNCA) and Regions Financial (RF). 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

Evenly matched
94 companies value 296 bn revenue 101 bn margin — free cash flow — avg. score 6.0
TFC holds 19.1% of the group's value, 2.4x the runner-up
Rank Ticker Company Share Value Revenue Margin FCF 5 years FCF/px Yield What it does · why it is here
1 TFC Truist Financial
United States · score 7.0
 19% 57 bn 24 bn 24.1% 5.8 bn 10.2% 4.6% Retail and commercial banking in the US Southeast · 6th largest US bank; strong in the Southeast, the fastest-growing region
2 FCNCA First Citizens BancShares
United States · score 5.4
 8% 24 bn 9.6 bn 24.5% 2.5 bn 10.4% 0.8% North Carolina commercial bank, with the SVB loan book · Grew by buying failed banks, including Silicon Valley Bank
3 RF Regions Financial
United States · score 6.2
 8% 23 bn 7.0 bn 31.8% 1.8 bn 7.7% 4.0% Retail and commercial bank in the US South · Southeastern regional bank with a strong low-cost deposit base
4 PNFP Pinnacle Financial Partners, Inc.
United States · score 6.1
 5% 14 bn 4.5 bn 18.2% 1.4 bn 10.2% 1.3% Financial holding company from Nashville, with $57.7 billion in assets · Georgia — assets of $129bn
5 FHN FIRST HORIZON CORP
United States · score 7.0
 4% 11 bn 3.5 bn 30.0% 1.0 bn 9.4% 2.9% Commercial and private banking, brokerage and mortgage lending · Tennessee — assets of $84.4bn
6 BPOP POPULAR, INC.
United States · score 7.0
 3% 10 bn 3.9 bn 25.2% 0.8 bn 8.0% 2.0% Retail and commercial bank in Puerto Rico · Puerto Rico — assets of $79bn
7 SSB SouthState Bank Corp
United States · score 7.0
 3% 9.8 bn 3.4 bn 28.1% 0.9 bn 8.8% 2.4% Financial holding company from Winter Haven, Florida · Florida — assets of $68.9bn
8 CFR CULLEN/FROST BANKERS, INC.
United States · score 6.9
 3% 9.5 bn 2.3 bn 29.7% 0.5 bn 5.7% 2.7% Texas commercial bank, with wealth management and insurance · Texas — assets of $53.9bn
9 PB PROSPERITY BANCSHARES INC
United States · score 6.5
 3% 8.1 bn 1.7 bn 33.4% 0.6 bn 7.3% 2.9% Commercial bank in Texas and Oklahoma · Texas — assets of $43.9bn
10 BOKF BOK FINANCIAL CORP
United States · score 6.2
 3% 7.5 bn 2.5 bn 25.8% 1.3 bn 17.9% 2.0% Full-service bank in Oklahoma, Texas and five other states · Oklahoma — assets of $53.2bn
11 UBSI UNITED BANKSHARES INC/WV
United States · score 6.9
 2% 6.3 bn 1.7 bn 30.4% 0.5 bn 8.5% 3.4% Full-service commercial and retail banking · West Virginia — assets of $33.8bn
12 HWC HANCOCK WHITNEY CORP
United States · score 6.8
 2% 5.8 bn 1.6 bn 26.2% 0.6 bn 9.6% 2.7% Gulf Coast bank, with wealth management · Mississippi — assets of $36.3bn
13 HOMB HOME BANCSHARES INC
United States · score 7.0
 2% 5.8 bn 1.3 bn 36.9% 0.4 bn 7.4% 2.8% Bank holding company in Conway, Arkansas · Arkansas — assets of $24.7bn
14 AUB Atlantic Union Bankshares Corp
United States · score 6.2
 2% 5.4 bn 2.0 bn 24.8% 0.6 bn 10.2% — Virginia bank holding company · Virginia — assets of $38.1bn
15 ABCB Ameris Bancorp
United States · score 6.4
 2% 5.3 bn 1.4 bn 26.3% 0.5 bn 9.8% 1.0% Financial holding of Ameris Bank, in the US Southeast · Georgia — assets of $28.5bn
16 FFIN FIRST FINANCIAL BANKSHARES INC
United States · score 6.7
 1% 4.3 bn 0.7 bn 36.8% 0.3 bn 7.6% 2.5% Texas bank, a financial holding since 1956 · Texas — assets of $15.3bn
17 SFBS ServisFirst Bancshares, Inc.
United States · score 6.8
 1% 4.2 bn 1.0 bn 32.3% 0.5 bn 11.2% 1.7% Bank holding company in Birmingham, Alabama · Alabama — assets of $18.3bn
18 FBP FIRST BANCORP /PR/
United States · score 7.1
 1% 4.1 bn 1.3 bn 29.7% 0.4 bn 10.6% 2.9% Financial holding company in Puerto Rico · Puerto Rico — assets of $19.2bn
19 UCB UNITED COMMUNITY BANKS INC
United States · score 7.0
 1% 4.1 bn 1.1 bn 34.0% 0.4 bn 8.9% 3.0% Regional bank in the US Southeast, from South Carolina · South Carolina — assets of $29.1bn
20 TCBI TEXAS CAPITAL BANCSHARES INC/TX
United States · score 6.4
 1% 3.9 bn 1.8 bn 20.7% 0.5 bn 12.0% — Full-service Texas bank holding company · Texas — assets of $33.9bn
21 WSFS WSFS FINANCIAL CORP
United States · score 6.5
 1% 3.9 bn 1.0 bn 31.4% 0.2 bn 6.3% 1.0% Savings and loan holding in Wilmington, Delaware · Delaware — assets of $22.7bn
22 RNST RENASANT CORP
United States · score 6.8
 1% 3.6 bn 1.4 bn 22.8% 0.4 bn 11.1% 2.4% US South bank, with factoring and asset-based lending · Mississippi — assets of $27bn
23 WSBC WESBANCO INC
United States · score 7.2
 1% 3.6 bn 1.3 bn 26.5% 0.4 bn 10.9% 3.9% West Virginia community bank, with trust services · West Virginia — assets of $27.8bn
24 BANF BANCFIRST CORP /OK/
United States · score 6.6
 1% 3.6 bn 0.8 bn 32.5% 0.3 bn 6.8% 1.8% Oklahoma City bank · Oklahoma — assets of $15.1bn
25 SFNC SIMMONS FIRST NATIONAL CORP
United States · score 3.7
 1% 3.2 bn 1.2 bn -28.4% 0.5 bn 15.0% 3.9% Arkansas financial holding company, organized in 1968 · Arkansas — assets of $24.8bn
26 SBCF SEACOAST BANKING CORP OF FLORIDA
United States · score 5.8
 1% 3.1 bn 1.0 bn 16.8% 0.2 bn 7.0% — Florida bank, in the state's fastest-growing markets · Florida — assets of $21.4bn
27 BKU BankUnited, Inc.
United States · score 7.0
 1% 2.9 bn 1.1 bn 24.4% 0.4 bn 12.6% 3.2% Bank holding company with $35.0 billion in assets · Florida — assets of $34.9bn
28 TRMK TRUSTMARK CORP
United States · score 6.8
 1% 2.6 bn 0.9 bn 24.6% 0.2 bn 7.2% 2.3% Bank in Mississippi, Alabama and Florida, with 2,543 employees · Mississippi — assets of $19.2bn
29 FBK FB Financial Corp
United States · score 6.4
 1% 2.6 bn 0.9 bn 21.2% 0.2 bn 7.8% 1.6% Tennessee bank, with mortgage origination · Tennessee — assets of $16.8bn
30 FBNC FIRST BANCORP /NC/
United States · score 6.1
 1% 2.5 bn 0.1 bn 197.1% 0.2 bn 9.1% 1.6% North Carolina community bank · North Carolina — assets of $13bn
31 SYBT Stock Yards Bancorp, Inc.
United States · score 6.4
 1% 2.4 bn 0.5 bn 30.7% 0.1 bn 6.2% 1.6% Financial holding company from Louisville, Kentucky · Kentucky — assets of $10.4bn
32 OFG OFG BANCORP
United States · score 7.2
 1% 2.2 bn 0.8 bn 28.0% 0.2 bn 9.2% 2.5% Financial holding company in San Juan, Puerto Rico · Puerto Rico — assets of $12.2bn
33 HTH Hilltop Holdings Inc.
United States · score 4.5
 1% 2.1 bn 0.8 bn 21.1% -0.1 bn -5.9% 2.2% Banking, brokerage and mortgage origination, from Texas · Texas — assets of $16bn
34 TBBK Bancorp, Inc.
United States · score 6.5
 1% 2.0 bn 0.7 bn 34.5% 0.2 bn 11.6% — Financial holding company of The Bancorp Bank · Delaware — assets of $9.2bn
35 CHCO CITY HOLDING CO
United States · score 6.6
 1% 2.0 bn 0.3 bn 40.9% 0.1 bn 7.0% 2.5% West Virginia bank, from Charleston · West Virginia — assets of $6.8bn
36 RBCAA REPUBLIC BANCORP INC /KY/
United States · score 6.3
 1% 1.8 bn 0.4 bn 31.3% 0.1 bn 7.7% 2.0% Kentucky bank, with traditional and alternative products · Kentucky — assets of $7.1bn
37 LOB Live Oak Bancshares, Inc.
United States · score 6.4
 1% 1.6 bn 0.9 bn 14.7% 0.2 bn 14.9% 0.3% Holding company of Live Oak Bank, from Wilmington, North Carolina · North Carolina — assets of $16bn
38 TFIN Triumph Financial, Inc.
United States · score 5.3
 1% 1.5 bn 0.5 bn 8.7% 0.1 bn 7.6% 0.2% Banking and trucking freight factoring, from Dallas · Texas — assets of $7.4bn
39 BHRB Burke & Herbert Financial Services Corp.
United States · score 5.9
 1% 1.4 bn 0.5 bn 20.9% 0.1 bn 6.2% 2.6% Virginia bank, in operation since 1852 · Virginia — assets of $11bn
40 CTBI COMMUNITY TRUST BANCORP INC /KY/
United States · score 6.6
 1% 1.3 bn 0.4 bn 30.2% 0.1 bn 9.7% 2.8% Bank holding company registered with the Federal Reserve · Kentucky — assets of $7bn
41 AMTB Amerant Bancorp Inc.
United States · score 5.8
 0% 1.1 bn 0.6 bn 9.9% 0.1 bn 9.4% 1.3% Bank from Coral Gables, with $9.8 billion in assets · Florida — assets of $10.3bn
42 BFST Business First Bancshares, Inc.
United States · score 6.6
 0% 1.0 bn 0.3 bn 26.9% 0.1 bn 10.2% 1.8% Louisiana commercial bank, with a presence in Dallas and Houston · Louisiana — assets of $8.9bn
43 MCBS MetroCity Bankshares, Inc.
United States · score 6.6
 0% 1.0 bn 0.3 bn 31.2% 0.1 bn 8.2% 2.9% Bank for multiethnic communities, with 29 branches · Georgia — assets of $4.5bn
44 SBSI SOUTHSIDE BANCSHARES INC
United States · score 7.0
 0% 0.9 bn 0.4 bn 18.5% 0.1 bn 13.9% 4.7% East Texas bank, with 53 branches and wealth management · Texas — assets of $8.8bn
45 FRBT Forbright, Inc.
United States · score 6.1
 0% 0.9 bn 0.3 bn 26.3% — — — — Digital bank for the US middle market · Maryland — assets of $8.5bn
46 SMBK SMARTFINANCIAL INC.
United States · score 6.0
 0% 0.9 bn 0.3 bn 16.6% 0.1 bn 7.6% 0.7% Community bank in Tennessee and the Southeast · Tennessee — assets of $6.1bn
47 FCBC FIRST COMMUNITY BANKSHARES INC /VA/
United States · score 6.9
 0% 0.9 bn 0.1 bn 39.7% 0.0 bn 4.7% 4.5% Community bank in Virginia and West Virginia · Virginia — assets of $3.6bn
48 EGBN EAGLE BANCORP INC
United States · score 2.8
 0% 0.8 bn 0.6 bn -8.7% 0.1 bn 6.2% 0.7% Washington-area bank, with twelve branches · Maryland — assets of $9.7bn
49 SPFI SOUTH PLAINS FINANCIAL, INC.
United States · score 6.5
 0% 0.8 bn 0.3 bn 24.5% 0.1 bn 9.3% 1.4% Lubbock bank, one of the largest independents in West Texas · Texas — assets of $5.4bn
50 HTB HomeTrust Bancshares, Inc.
United States · score 6.3
 0% 0.8 bn 0.3 bn 25.8% 0.1 bn 12.2% 1.1% North Carolina bank · North Carolina — assets of $4.4bn
51 CCBG CAPITAL CITY BANK GROUP INC
United States · score 6.5
 0% 0.8 bn 0.2 bn 30.0% 0.1 bn 6.2% 2.2% Florida bank, from Tallahassee · Florida — assets of $4.5bn
52 TCBX Third Coast Bancshares, Inc.
United States · score 6.3
 0% 0.7 bn 0.4 bn 19.2% 0.0 bn 4.8% — Texas commercial bank for small and midsize businesses · Texas — assets of $6.7bn
53 CARE Carter Bankshares, Inc.
United States · score 6.7
 0% 0.7 bn 0.3 bn 50.5% 0.1 bn 8.9% — Virginia bank holding company, with $4.9 billion in assets · Virginia — assets of $4.8bn
54 SHBI SHORE BANCSHARES INC
United States · score 6.6
 0% 0.7 bn 0.2 bn 27.9% 0.1 bn 11.6% 2.3% Holding of Shore United Bank, of Maryland · Maryland — assets of $6.2bn
55 RRBI RED RIVER BANCSHARES INC
United States · score 6.0
 0% 0.7 bn 0.2 bn 29.5% 0.1 bn 7.8% 0.8% Bank holding company from Alexandria, Louisiana, founded in 1998 · Louisiana — assets of $3.3bn
56 CBNK Capital Bancorp Inc
United States · score 6.6
 0% 0.6 bn 0.3 bn 20.8% 0.1 bn 10.6% 1.2% Washington, D.C., and Baltimore bank, with cards and mortgages · Maryland — assets of $3.9bn
57 SFST SOUTHERN FIRST BANCSHARES INC
United States · score 5.7
 0% 0.6 bn 0.1 bn 29.9% 0.0 bn 7.0% — South Carolina bank holding company, since 1999 · South Carolina — assets of $4.7bn
58 HBCP HOME BANCORP, INC.
United States · score 6.5
 0% 0.5 bn 0.2 bn 24.0% 0.1 bn 9.9% 1.9% Holding of Home Bank, of Louisiana · Louisiana — assets of $3.6bn
59 BSVN Bank7 Corp.
United States · score 6.4
 0% 0.5 bn 0.1 bn 32.0% 0.0 bn 8.1% 1.8% Bank with twelve branches in Oklahoma, Texas and Kansas · Oklahoma — assets of $1.9bn
60 FRST Primis Financial Corp.
United States · score 4.9
 0% 0.4 bn 0.2 bn 24.7% -0.0 bn -11.6% 2.6% Virginia bank, since 2005 · Virginia — assets of $4.4bn
61 MVBF MVB FINANCIAL CORP
United States · score 3.1
 0% 0.4 bn 0.2 bn 0.0% -0.0 bn -10.0% 2.3% West Virginia bank, with mortgages and fintechs · West Virginia — assets of $3.5bn
62 USCB USCB FINANCIAL HOLDINGS, INC.
United States · score 6.3
 0% 0.4 bn 0.1 bn 18.9% 0.1 bn 11.9% 2.0% Holding company of U.S. Century Bank, from Florida · Florida — assets of $3bn
63 FCBM First Carolina Financial Services, Inc.
United States · score 3.1
 0% 0.4 bn 0.1 bn 8.6% 0.0 bn -0.3% — North Carolina bank, with a payments business · North Carolina — assets of $3.4bn
64 BRBS BLUE RIDGE BANKSHARES, INC.
United States · score 4.3
 0% 0.4 bn 0.1 bn 7.5% 0.0 bn 6.0% 21.5% Bank holding company from Richmond, Virginia · Virginia — assets of $2.3bn
65 CBK Commercial Bancgroup, Inc.
United States · score 5.7
 0% 0.4 bn 0.1 bn 32.9% 0.0 bn 9.0% 0.6% Financial holding company from Harrogate, Tennessee · Tennessee — assets of $2.4bn
66 ISTR Investar Holding Corp
United States · score 6.3
 0% 0.4 bn 0.1 bn 35.9% 0.0 bn 6.8% 1.2% Louisiana bank, built through eight acquisitions · Louisiana — assets of $3.9bn
67 CBAN COLONY BANKCORP INC
United States · score 4.3
 0% 0.4 bn 0.1 bn 20.6% 0.0 bn 5.2% 2.2% Georgia bank, from Fitzgerald · Georgia — assets of $3.6bn
68 NEWT NewtekOne, Inc.
United States · score 4.9
 0% 0.3 bn 0.2 bn 37.1% -0.7 bn -234.3% 9.7% Financial holding company of solutions for small businesses · Florida — assets of $3.2bn
69 CFFI C & F FINANCIAL CORP
United States · score 6.5
 0% 0.3 bn 0.1 bn 19.5% 0.0 bn 11.7% 1.9% Virginia bank, with auto financing · Virginia — assets of $2.8bn
70 JMSB John Marshall Bancorp, Inc.
United States · score 6.0
 0% 0.3 bn 0.1 bn 20.9% 0.0 bn 6.7% 0.8% Virginia commercial bank, since 2006 · Virginia — assets of $2.4bn
71 COSO CoastalSouth Bancshares, Inc.
United States · score 5.6
 0% 0.3 bn 0.1 bn 31.3% 0.1 bn 21.2% — Atlanta bank · Georgia — assets of $2.4bn
72 FCCO FIRST COMMUNITY CORP /SC/
United States · score 5.0
 0% 0.3 bn 0.1 bn 25.9% 0.0 bn 2.2% 1.8% Holding company of First Community Bank, from South Carolina · South Carolina — assets of $2.4bn
73 FUNC FIRST UNITED CORP/MD/
United States · score 6.5
 0% 0.3 bn 0.1 bn 26.8% 0.0 bn 9.2% 2.3% Maryland bank holding company, from 1985 · Maryland — assets of $2.1bn
74 FXNC FIRST NATIONAL CORP /VA/
United States · score 6.6
 0% 0.3 bn 0.1 bn 23.3% 0.0 bn 9.9% 2.2% Virginia bank holding company, since 1983 · Virginia — assets of $2.1bn
75 VABK Virginia National Bankshares Corp
United States · score 6.2
 0% 0.3 bn 0.1 bn 32.0% 0.0 bn 8.5% — Virginia bank, with trust and estate administration · Virginia — assets of $1.6bn
76 FVCB FVCBankcorp, Inc.
United States · score 6.3
 0% 0.3 bn 0.1 bn 37.2% 0.0 bn 10.0% 1.4% Virginia community commercial bank · Virginia — assets of $2.4bn
77 FBLA FB Bancorp, Inc. /MD/
United States · score 1.9
 0% 0.3 bn 0.1 bn -0.4% 0.0 bn 8.7% — Holding company of Fidelity Bank, from New Orleans · Louisiana — assets of $1.2bn
78 CBNA CHAIN BRIDGE BANCORP INC
United States · score 6.3
 0% 0.3 bn 0.1 bn 43.2% 0.0 bn 5.2% — Holding company of Chain Bridge Bank · Virginia — assets of $2.2bn
79 NKSH NATIONAL BANKSHARES INC
United States · score 6.5
 0% 0.3 bn 0.1 bn 33.6% 0.0 bn 6.6% 3.5% Southwest Virginia community bank, from Blacksburg · Virginia — assets of $1.8bn
80 MNSB MainStreet Bancshares, Inc.
United States · score 6.5
 0% 0.2 bn 0.1 bn 12.8% 0.0 bn 13.8% 1.8% Holding of MainStreet Bank · Virginia — assets of $2.2bn
81 EFSI EAGLE FINANCIAL SERVICES INC
United States · score 6.4
 0% 0.2 bn 0.1 bn 18.8% 0.0 bn 3.3% 2.7% Bank holding company from 1991 · Virginia — assets of $1.8bn
82 PEBK PEOPLES BANCORP OF NORTH CAROLINA INC
United States · score 6.6
 0% 0.2 bn 0.1 bn 23.4% 0.0 bn 8.4% 2.3% Community bank in North Carolina · North Carolina — assets of $1.8bn
83 BAFN BayFirst Financial Corp.
United States · score 2.2
 0% 0.2 bn 0.1 bn -79.0% 0.1 bn 84.4% — Holding company of BayFirst National Bank · Florida — assets of $1.1bn
84 BVFL BV Financial, Inc.
United States · score 5.9
 0% 0.2 bn 0.1 bn 26.3% 0.0 bn 9.8% — Maryland bank, with commercial and equipment lending · Maryland — assets of $878m
85 FGBI First Guaranty Bancshares, Inc.
United States · score 2.3
 0% 0.1 bn 0.2 bn -17.5% 0.0 bn 28.3% 0.5% Financial holding company from Hammond, Louisiana · Louisiana — assets of $3.9bn
86 OPHC OptimumBank Holdings, Inc.
United States · score 6.7
 0% 0.1 bn 0.1 bn 27.3% 0.0 bn 23.9% — Holding of OptimumBank, of Florida · Florida — assets of $1.4bn
87 BOTJ BANK OF THE JAMES FINANCIAL GROUP INC
United States · score 6.7
 0% 0.1 bn 0.1 bn 22.2% 0.0 bn 9.5% 1.5% Bank holding company from Lynchburg, Virginia · Virginia — assets of $1bn
88 FUSB FIRST US BANCSHARES, INC.
United States · score 6.2
 0% 0.1 bn 0.0 bn 18.6% 0.0 bn 9.7% 1.8% Alabama commercial bank · Alabama — assets of $1.1bn
89 AUBN AUBURN NATIONAL BANCORPORATION, INC
United States · score 5.9
 0% 0.1 bn 0.0 bn 24.5% 0.0 bn 11.0% — Alabama community bank · Alabama — assets of $1.1bn
90 HFBL Home Federal Bancorp, Inc. of Louisiana
United States · score 6.5
 0% 0.1 bn 0.0 bn 25.2% 0.0 bn 10.4% 2.3% Holding company of Home Federal Bank, from Louisiana · Louisiana — assets of $643m
91 FDSB Fifth District Bancorp, Inc.
United States · score 4.5
 0% 0.1 bn 0.0 bn 11.1% 0.0 bn 1.4% — New Orleans bank, with seven branches · Louisiana — assets of $532m
92 CLST Catalyst Bancorp, Inc.
United States · score 4.9
 0% 0.1 bn 0.0 bn 14.3% 0.0 bn 4.8% — Louisiana community bank · Louisiana — assets of $290m
93 TCBS Texas Community Bancshares, Inc.
United States · score 5.4
 0% 0.0 bn 0.0 bn 14.6% 0.0 bn 4.8% 1.4% Texas community bank · Texas — assets of $444m
94 KFFB Kentucky First Federal Bancorp
United States · score 5.2
 0% 0.0 bn 0.0 bn 9.2% 0.0 bn 2.6% — Kentucky savings bank, with multifamily mortgages · Kentucky — assets of $362m

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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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