Top 3 Picks
2026 Outlook
The Savings Banks sector is expected to see moderate growth through 2026, driven by anticipated interest rate stabilization and a rebound in residential real estate, which could boost mortgage originations and net interest margins. Regulatory reforms and digital transformation initiatives will likely enhance operational efficiency and customer acquisition, positioning the sector for improved profitability despite potential economic headwinds. Overall, by 2026, the sector's emphasis on risk management and community lending is projected to support low double-digit revenue growth, with total assets potentially expanding as banks capitalize on fintech integrations.
Complete Rankings
| Rank | Stock | Score | Price | Market Cap |
|---|---|---|---|---|
|
1
|
CFSB Bancorp, Inc. Common Stock
|
70.8 | -- | $92M |
|
2
|
Magyar Bancorp, Inc.
|
68.7 | $17.54 | $112M |
|
3
|
Broadway Financial Corp/Del
|
67.8 | $7.61 | $66M |
|
4
|
Central Plains Bancshares, Inc. Common Stock
|
66.8 | $17.03 | $69M |
|
5
|
First Guaranty Bancshares, Inc. 6.75% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock
|
66.1 | $15.68 | -- |
|
6
|
Home Federal Bancorp, Inc. of Louisiana
|
61.8 | $17.80 | $42M |
|
7
|
Finward Bancorp Common Stock
|
61.0 | $35.60 | $138M |
|
8
|
TFS Financial Corporation
|
60.5 | $13.57 | $3.7B |
|
9
|
Provident Financial Hldgs
|
60.3 | $15.98 | $103M |
|
10
|
Fifth District Bancorp, Inc. Common Stock
|
60.1 | $14.99 | $77M |
|
11
|
Sound Financial Bancorp, Inc.
|
59.6 | $43.50 | $109M |
|
12
|
Columbia Financial, Inc. Common Stock
|
59.4 | $15.42 | $1.5B |
|
13
|
FIRST GUARANTY BANCSHARES INC
|
59.4 | $5.38 | $121M |
|
14
|
Catalyst Bancorp, Inc. Common Stock
|
59.2 | $15.75 | $55M |
|
15
|
Waterstone Financial, Inc.
|
59.1 | $16.46 | $289M |
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 Inc. matters in the Savings Banks sector as it serves as a key provider of essential financial products, including savings, checking, and term certificate accounts, supporting community banking needs and economic stability. Its operation as a full-service holding company for Colonial Federal Savings Bank positions it to capitalize on regional deposit growth and lending opportunities.
With a Tradestie Score of 70.8/100, CFSB demonstrates moderate financial health, suggesting efficient management of its deposit-based operations despite limited available data. This score indicates potential profitability through stable revenue streams from core banking services like savings and term products.
In 2026, investors should consider CFSB stock due to expected sector growth from rising interest rates, which could boost profitability on its deposit and lending products. The company's community-focused banking model may drive customer acquisition and revenue expansion amid increasing demand for personalized financial services. Additionally, the Tradestie Score of 70.8 signals a foundation for stock appreciation as economic conditions improve.
MGYR
Magyar Bancorp Inc is a mid-tier stock holding company. The Company offers a full array of commercial and retail financial services, including the taking of time, savings and demand deposits; the making of commercial, consumer and home equity loans; and the provision of other financial services. The business consists of getting retail deposits from the general public in the areas …
Magyar Bancorp Inc. matters in the Savings Banks sector as a mid-tier holding company that provides a comprehensive suite of commercial and retail financial services, including deposits, loans, and other offerings, which supports local economic stability and meets diverse customer needs. Its presence enhances competition and accessibility in the sector, particularly for community-based banking.
Magyar Bancorp's profitability is robust, evidenced by a 27.7% profit margin that reflects efficient cost management and strong earnings generation. While its 8.5% ROE indicates moderate returns on equity, the -3.5% revenue growth highlights short-term challenges, yet the 10.8 P/E ratio suggests the stock may be undervalued relative to earnings potential.
Investors should consider buying MGYR in 2026 due to its undervalued P/E ratio of 10.8, which offers a compelling entry point compared to industry peers, potentially leading to capital appreciation as economic conditions improve. The company's solid 27.7% profit margin and 68.7 Tradestie Score indicate underlying financial resilience, positioning it for recovery amid potential sector growth in interest rates and lending demand. Furthermore, as a mid-tier bank, Magyar Bancorp could capitalize on stabilizing revenue trends by 2026, driven by broader financial sector rebounds.
BYFC
Broadway Financial Corp is active in the financial services domain. It is a savings and loan holding company in the United States. The Bank's business consists of deposits from the general public and using such deposits, together with borrowings and other funds, to make mortgage loans secured by residential properties and commercial real estate. Its deposits consist of passbook savings …
Broadway Financial Corp matters in the Savings Banks sector as a key provider of mortgage loans funded by public deposits, supporting community housing markets and financial stability in the U.S. Its Tradestie Score of 67.8 indicates moderate investment appeal, positioning it as a relevant player amid sector consolidation and interest rate fluctuations.
Broadway Financial Corp's profitability is limited, with a profit margin of 1.7% and an ROE of 0.2%, reflecting challenges in generating efficient returns on equity and overall financial health compared to sector peers. However, the 8.8% revenue growth demonstrates operational expansion, which could improve margins if cost management and lending activities continue to strengthen.
Investors should consider buying BYFC in 2026 due to its 8.8% revenue growth, signaling potential for sustained expansion in a recovering housing market driven by increasing mortgage demand. The Tradestie Score of 67.8 highlights solid fundamentals, including stable deposit funding, which could lead to improved profitability amid rising interest rates. Furthermore, as a community-focused savings bank, BYFC is poised to benefit from economic recovery trends, potentially driving stock appreciation through enhanced loan portfolios and operational efficiencies.
CPBI
Central Plains Bancshares Inc operates as the bank holding company for Home Federal Savings and Loan Association of Grand Island that provides mortgage, consumer, commercial real estate, and commercial loans, The bank business consists mainly of accepting deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential mortgage loans secured …
Central Plains Bancshares Inc. matters in the Savings Banks sector due to its specialized focus on mortgage, consumer, commercial real estate, and commercial loans, serving the central plains region and supporting local economic growth. With a Tradestie Score of 66.8/100, it demonstrates a competitive edge in operational efficiency and market positioning among regional savings banks.
The company's 18.4% profit margin reflects strong operational efficiency and profitability compared to sector averages, indicating effective cost management. However, a 4.4% ROE suggests moderate returns on equity, though the 10.6% revenue growth highlights improving financial health and potential for future expansion.
CPBI's 10.6% revenue growth signals strong potential for continued expansion in 2026, driven by increasing demand for loans in a recovering economy. The P/E ratio of 17.6 offers a reasonable valuation for investors seeking growth at a fair price, potentially leading to stock appreciation. Additionally, the company's diversified loan portfolio and solid profit margin of 18.4% position it to capitalize on rising interest rates and regional development opportunities.
FGBIP
First Guaranty Bancshares Inc provides personalized commercial banking services to its customers in Louisiana, through several banking facilities. The principal business activity of the company includes attracting deposits and investing it together with funds generated from operations and borrowings insecurities and in lending activities to serve the credit needs of its customer base. The company offers commercial real estate loans, …
First Guaranty Bancshares matters in the Savings Banks sector due to its specialized focus on personalized commercial banking services in Louisiana, which helps address the needs of local businesses and individuals often overlooked by larger national banks. This regional expertise contributes to sector stability by promoting community-oriented lending and deposit growth, fostering economic resilience in underserved markets.
With a Tradestie Score of 66.1/100, First Guaranty Bancshares exhibits moderate financial health, suggesting reasonable operational efficiency and stability in attracting deposits for investment. The 6.75% fixed-rate on its Series A preferred stock indicates a reliable income stream, though limited available data implies potential risks in fully assessing long-term profitability metrics.
By 2026, FGBIP's 6.75% fixed dividend yield is likely to remain attractive in a potentially stabilizing interest rate environment, providing consistent income for investors seeking low-volatility returns. The company's strong deposit base in Louisiana could benefit from regional economic recovery, potentially increasing asset values and supporting the preferred stock's stability. Additionally, the Tradestie Score of 66.1 signals a balanced risk profile, making it a viable option for income-focused portfolios amid sector growth projections.
HFBL
Home Federal Bancorp Inc of louisiana operates as a bank holding company. It is a federally chartered stock savings bank, which provides financial services to individuals, corporate entities, and other organizations. Its core activities consist of attracting deposits from the general public and using those funds to originate loans to the residential, commercial and multi-family segments. The company also invests …
Home Federal Bancorp Inc. of Louisiana matters in the Savings Banks sector as a federally chartered stock savings bank that plays a key role in providing essential financial services, such as deposit attraction and lending, to individuals and businesses in Louisiana, supporting regional economic stability. Its 18.5% revenue growth highlights its ability to thrive amid sector challenges, making it a notable player in community banking.
HFBL demonstrates solid profitability with a 20.9% profit margin, indicating efficient operations and strong cost management relative to revenue. Its 8.2% ROE suggests moderate returns on shareholder equity, while the 18.5% revenue growth reflects healthy financial health and potential for sustained expansion.
Investors should consider buying HFBL stock in 2026 given its 18.5% revenue growth, which signals strong potential for continued expansion in the Savings Banks sector amid rising demand for community banking services. The P/E ratio of 10.4 implies the stock is undervalued, offering an attractive entry point for capital appreciation as economic conditions improve. Additionally, with a Tradestie Score of 61.8, the company's fundamentals support long-term growth prospects in a recovering market.
FNWD
Finward Bancorp is a bank holding company, which engages in the provision of financial services. It offers products and services related to Personal Banking, Cash Management, Saving Account, ebanking, Wealth Management, and Insurance Services. It is engaged in the business of attracting deposits from the general public and the origination of loans, mostly upon the security of single-family residences and …
Finward Bancorp matters in the Savings Banks sector as a bank holding company offering a diverse array of financial services, including personal banking, wealth management, and insurance, which help it attract and retain deposits effectively. Its emphasis on digital solutions like ebanking positions it to compete in an increasingly tech-driven banking landscape, serving as a reliable provider for community and personal financial needs.
Finward Bancorp's 12.3% profit margin and 5.1% return on equity indicate moderate profitability and efficient use of equity, though the ROE suggests potential for optimization in capital deployment. Coupled with a strong 18.7% revenue growth and a P/E ratio of 18.5, these metrics reflect a financially stable company with solid earnings potential relative to its sector peers.
Investors should consider buying FNWD in 2026 due to its impressive 18.7% revenue growth, which signals strong expansion potential amid rising demand for digital banking services. The 12.3% profit margin demonstrates operational efficiency, while the Tradestie Score of 61.0 suggests a moderate yet attractive risk-reward profile, positioning the stock for appreciation as the Savings Banks sector benefits from economic recovery and technological advancements.
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 Corp matters in the Savings Banks sector as the holding company for Third Federal Savings and Loan Association, specializing in originating and servicing residential real estate loans, which supports housing market stability and growth. This focus positions it as a key player in providing essential mortgage services amid evolving economic conditions in the sector.
TFSL's 28.5% profit margin indicates strong profitability, efficiently converting revenues into earnings in a competitive savings banks environment. However, its 4.8% ROE suggests moderate returns on equity, though the 14.0% revenue growth reflects solid financial health and operational expansion.
TFSL's 14.0% revenue growth demonstrates robust expansion in residential real estate lending, likely to continue into 2026 with potential housing market rebounds. The company's 28.5% profit margin highlights financial resilience, offering a buffer against economic volatility and supporting long-term shareholder value. Additionally, with a P/E ratio of 41.8, the stock may appeal to investors anticipating sustained growth in the sector by 2026.
PROV
Provident Financial Holdings Inc is a holding company of Provident Savings Bank, F.S.B. It is a financial services company committed to serving consumers and small to mid-sized businesses in the Inland Empire region of Southern California. Its business activities consist of community banking, investment services and trustee services for real estate transactions. The group operates in Bank segment that include …
Provident Financial Holdings Inc stands out in the Savings Banks sector due to its specialized focus on community banking for consumers and small to mid-sized businesses in the Inland Empire region of Southern California, a dynamic area with growing economic activity. This regional expertise allows it to maintain a stable niche presence, differentiating it from larger national banks by emphasizing localized services and relationship-based lending.
Provident's 15.2% profit margin indicates solid operational efficiency compared to industry peers, though its 4.7% ROE suggests suboptimal returns on shareholder equity. The 1.5% revenue growth and 17.7 P/E ratio reflect modest financial health, with the company maintaining a balanced valuation amid slow expansion.
By 2026, Provident's stable 15.2% profit margin and 60.3 Tradestie Score position it for potential upside as economic recovery in Southern California's Inland Empire drives demand for community banking services. The company's low 1.5% revenue growth could accelerate with regional business expansion, enhancing ROE beyond 4.7%. Additionally, the 17.7 P/E ratio offers an attractive entry point for investors seeking undervalued stocks in the sector with long-term growth potential.
FDSB
Fifth District Bancorp inc is a holding company of Fifth District. Fifth District portfolio consists primarily of fixed-rate one- to four-family residential mortgage loans also originate construction loans, home equity loans, home equity lines of credit, land loans, and share loans (loans secured by deposit accounts at Fifth District) and purchase commercial business loans. The company offer a variety of …
Fifth District Bancorp matters in the Savings Banks sector due to its specialized focus on fixed-rate one- to four-family residential mortgage loans, which form the core of its portfolio and address stable housing market demands. Its diversification into construction loans, home equity products, and other secured loans, combined with a 10.1% revenue growth, positions it as a reliable player in community banking amid sector competition.
Fifth District Bancorp demonstrates strong profitability with a 23.0% profit margin, reflecting efficient cost management in loan origination and operations. However, its 2.9% ROE indicates suboptimal returns on equity, though the 10.1% revenue growth suggests improving financial health and potential for future enhancements.
Investors should consider buying FDSB stock in 2026 given its 10.1% revenue growth, which signals ongoing expansion in residential lending amid potential housing market recovery. The P/E ratio of 20.8 offers a reasonable entry point compared to sector peers, and with a Tradestie Score of 60.1, the stock presents a balanced risk-reward profile for growth-oriented portfolios. As interest rates may stabilize by 2026, the company's focus on fixed-rate mortgages could drive increased profitability and shareholder returns.
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.