Top 3 Picks
2026 Outlook
The Savings Institutions sector is projected to experience steady growth through 2026, driven by trends such as increasing digital adoption, which could improve operational efficiencies and customer reach, and potential consolidation amid rising regulatory scrutiny. Economic factors like moderating inflation and gradual interest rate normalization may enhance net interest margins, supporting profitability for these institutions. However, challenges including heightened competition from larger banks and potential economic downturns could temper growth, with the sector's overall market cap averaging under $0.2B for top players, suggesting room for strategic mergers.
Complete Rankings
| Rank | Stock | Score | Price | Market Cap |
|---|---|---|---|---|
|
1
|
Affinity Bancshares, Inc. Common Stock (MD)
|
65.3 | $20.54 | $123M |
|
2
|
Bogota Financial Corp. Common Stock
|
64.2 | $8.52 | $115M |
|
3
|
Provident Bancorp, Inc. (MD) Common Stock
|
64.1 | -- | $222M |
|
4
|
Texas Community Bancshares, Inc. Common Stock
|
64.0 | $17.60 | $48M |
|
5
|
First Northwest Bancorp Common Stock
|
62.8 | $9.31 | $70M |
|
6
|
Winchester Bancorp, Inc. Common Stock
|
59.9 | $10.99 | $89M |
|
7
|
Marathon Bancorp, Inc. Common Stock
|
59.8 | $12.13 | $31M |
|
8
|
FB Bancorp, Inc. Common Stock
|
58.7 | $13.14 | $219M |
|
9
|
Timberland Bancorp Inc
|
58.0 | $36.29 | $260M |
|
10
|
SR Bancorp, Inc. Common stock
|
57.8 | $15.93 | $121M |
|
11
|
ECB Bancorp, Inc. Common Stock
|
56.4 | $17.28 | $141M |
|
12
|
Pioneer Bancorp, Inc. Common Stock
|
56.4 | $13.46 | $333M |
|
13
|
NB Bancorp, Inc. Common Stock
|
56.2 | $20.01 | $700M |
|
14
|
Northeast Community Bancorp, Inc.
|
56.2 | $22.78 | $260M |
|
15
|
PB Bankshares, Inc. Common Stock
|
56.0 | $19.81 | $46M |
In-Depth Analysis: Top Savings Institutions Stocks
AFBI
Affinity Bancshares Inc is a holding company of Affinity Bank, a federally chartered stock savings bank that offers a variety of deposit accounts, including checking accounts, savings accounts, and certificate of deposit accounts. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in commercial real estate loans, commercial and …
Affinity Bancshares Inc. matters in the Savings Institutions sector as it serves as a key provider of essential deposit accounts, including checking, savings, and certificates of deposit, catering to the general public's financial needs and supporting community banking stability. Its operations as a federally chartered stock savings bank highlight its role in fostering accessible banking services amid sector consolidation and digital transformation trends.
Affinity Bancshares exhibits solid profitability with a 23.7% profit margin, indicating efficient cost management relative to revenue, though its 5.9% ROE suggests room for improvement in equity utilization to generate returns. The company's 4.6% revenue growth and a P/E ratio of 17.6 reflect stable financial health and reasonable valuation compared to peers, supported by a Tradestie Score of 65.3, signaling moderate investment appeal.
Investors should consider buying AFBI in 2026 due to its steady 4.6% revenue growth, which could accelerate with potential interest rate normalization and economic recovery, enhancing deposit inflows and profitability. The 23.7% profit margin underscores the company's resilience in a competitive sector, positioning it for sustained earnings growth, while the 17.6 P/E ratio offers an attractive entry point for value-oriented investors seeking exposure to the evolving savings institutions landscape. Additionally, as digital banking adoption rises, Affinity's foundational role in community finance may drive long-term stock appreciation.
BSBK
Bogota Financial Corp is a New Jersey-based bank. It offers personal and business banking services such as savings, certificates of deposits, online banking, loans, and many more. The Bank generally grants residential, commercial, and consumer loans to, and accepts deposits from customers in New Jersey.
Bogota Financial Corp matters in the Savings Institutions sector due to its robust 42.9% revenue growth, demonstrating effective expansion in providing essential personal and business banking services in New Jersey. As a community-focused bank, it plays a key role in supporting local economic activities through residential, commercial, and consumer loans, distinguishing it among regional players.
Bogota Financial Corp's profitability is modest, with a 3.1% profit margin indicating slim earnings relative to revenue, while a 0.4% ROE suggests inefficient use of shareholder equity. However, the company's 42.9% revenue growth highlights strong top-line performance, though the high P/E ratio of 210.5 implies market expectations for future profitability improvements amid potential risks in financial health.
Bogota Financial Corp's 42.9% revenue growth positions it for significant upside by 2026, driven by expanding demand for its diverse banking services in New Jersey's growing economy. The Tradestie Score of 64.2 signals moderate investment appeal, supported by its regional focus and potential to capitalize on interest rate trends or economic recovery. Investors should consider this stock for its high growth potential, as improving profitability metrics could lead to substantial returns in the evolving Savings Institutions sector.
PVBC
Provident Bancorp Inc provides a range of banking products and services to small and medium-sized commercial customers. It attracts deposits from the general public and uses those funds to originate loans, commercial real estate, construction and land, and commercial business loans, and to invest in securities. The company lending activities include providing commercial real estate loans, multi-family residential real estate …
Provident Bancorp Inc. matters in the Savings Institutions sector for its specialized focus on providing essential banking services to small and medium-sized commercial customers, particularly through loans for commercial real estate, construction, and business, which supports local economic development and fills a niche for community-based financing.
With a Tradestie Score of 64.1 indicating moderate financial stability, Provident Bancorp's profitability is likely supported by its deposit-funded loan origination model, though limited available data suggests potential vulnerabilities in economic downturns that could affect net interest margins.
By 2026, PVBC is poised for growth as rising demand for commercial real estate and business loans, driven by economic recovery, could enhance its loan portfolio and revenue streams. The Tradestie Score of 64.1 reflects a baseline of operational efficiency with room for upside through interest rate normalization, potentially leading to improved profitability. Additionally, as a niche player serving SMEs, PVBC stands to benefit from sector-specific tailwinds like increased infrastructure investments, making it an attractive buy for value-oriented investors.
TCBS
Texas Community Bancshares Inc is a holding company. The company's business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings from the Federal Home Loan Bank of Dallas, in residential real estate loans and commercial real estate loans and, to a lesser extent, commercial loans, construction and land loans, …
Texas Community Bancshares Inc stands out in the Savings Institutions sector by focusing on deposit-taking and investing in residential real estate loans, which supports local housing markets and community development in Texas. This specialized approach enhances financial accessibility and stability, positioning the company as a key player amid sector consolidation.
TCBS exhibits strong profitability with a 16.5% profit margin, indicating efficient cost management relative to revenue, while a 12.6% revenue growth reflects expanding operations. However, an ROE of 4.7% suggests moderate efficiency in utilizing shareholder equity, though the overall metrics underscore a financially stable institution with growth potential.
TCBS's 12.6% revenue growth demonstrates strong momentum in residential lending, likely to persist into 2026 amid potential housing market recovery, making it an attractive buy for long-term gains. The P/E ratio of 20.9 offers reasonable valuation compared to sector peers, providing a balanced entry point for investors seeking stability. With a Tradestie Score of 64.0, the stock presents moderate upside potential, supported by its core focus on community banking that could benefit from economic expansion in Texas.
FNWB
First Northwest Bancorp is a bank holding company and a financial holding company and is engaged in banking activities through its wholly owned subsidiary, First Fed Bank, as well as certain non-banking financial activities. It includes deposit and lending transactions that are supplemented with other borrowing and investing activities. The bank's principal lending activities are focused on first lien one- …
First Northwest Bancorp matters in the Savings Institutions sector due to its 36.2% revenue growth, reflecting strong expansion in core activities like deposit and lending services through its subsidiary, First Fed Bank. As a bank holding company engaged in both banking and non-banking financial activities, it contributes to sector stability by providing essential financial services in its markets.
First Northwest Bancorp's profitability is weak, evidenced by a negative profit margin of -13.7% and ROE of -4.7%, indicating challenges in generating profits and returns on equity despite operational efforts. However, the company's 36.2% revenue growth highlights potential for financial health improvement if cost efficiencies are achieved.
First Northwest Bancorp's 36.2% revenue growth signals strong business momentum, suggesting that by 2026, the company could capitalize on expanding lending and deposit activities to improve profitability. With a Tradestie Score of 62.8, the stock offers moderate investment appeal, potentially benefiting from sector-wide recovery in interest rates or economic conditions. Investors may find value in its operational scale and strategic positioning for long-term growth in the Savings Institutions sector.
WSBK
Winchester Bancorp Inc provides a variety of financial services to individuals and small businesses through its offices in Winchester, Woburn, Danvers and Arlington, Massachusetts. Its primary deposit products are checking, savings and term certificate accounts and its primary lending products are residential and commercial real estate loans.
Winchester Bancorp Inc. matters in the Savings Institutions sector as it delivers essential financial services, including checking, savings, and lending products, to individuals and small businesses in strategic Massachusetts locations like Winchester, Woburn, Danvers, and Arlington, supporting local economic stability and community growth.
With a profit margin of only 1.0%, Winchester Bancorp exhibits weak profitability, likely due to high operational costs in a competitive sector, but its 22.1% revenue growth indicates robust business expansion that could enhance financial health if cost efficiencies are achieved.
Investors should consider buying WSBK in 2026 given its 22.1% revenue growth, which signals strong potential for continued expansion in the Savings Institutions sector amid rising demand for local financial services. The high P/E ratio of 471.2 reflects market expectations of future earnings growth, potentially driven by the company's regional presence and improving economic conditions. Additionally, a Tradestie Score of 59.9 suggests a moderate upside, making it an attractive option for those seeking growth-oriented investments in a recovering market.
MBBC
Marathon Bancorp Inc is a mid-tier holding company for Marathon Bank, a Wisconsin-chartered savings bank. The group operates as a community-oriented bank offering a variety of financial products and services to meet the needs of customers. The primary deposit products are demand deposits, savings, and certificates of deposits; and prime lending products are commercial real estate, commercial and industrial, construction, …
Marathon Bancorp Inc. matters in the Savings Institutions sector as a mid-tier, community-oriented bank providing essential deposit products like demand deposits and savings accounts, which support local economic stability in Wisconsin. Its 23.4% revenue growth underscores its adaptability and competitive edge in offering diversified financial services amid sector consolidation.
Marathon Bancorp's profitability is modest, with a 4.3% profit margin indicating slim earnings relative to revenue, while a 0.8% ROE reflects inefficient use of shareholder equity despite strong 23.4% revenue growth.
Marathon Bancorp's 23.4% revenue growth signals strong potential for expansion in the community banking space by 2026, driven by increasing demand for localized financial services. The company's moderate Tradestie Score of 59.8 suggests untapped investment value, and if profitability metrics improve from the current 4.3% margin, the high P/E of 93.8 could justify future stock appreciation in a recovering sector.
FBLA
FB Bancorp Inc is a holding company. The company operates through its subsidiary Fidelity Bank. Fidelity business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential mortgage loans secured by properties located in primary market areas. The services of the company also include residential construction loans, …
FB Bancorp Inc. matters in the Savings Institutions sector as its subsidiary, Fidelity Bank, plays a pivotal role in channeling deposits into one- to four-family residential mortgage loans, supporting the housing market's stability and accessibility for consumers.
FB Bancorp's profitability is currently weak, with a negative profit margin of -4.0% and ROE of -1.1%, signaling operational inefficiencies and challenges in generating returns on equity. However, the company's revenue growth of 11.1% indicates potential for financial recovery amid sector-wide opportunities.
FB Bancorp's 11.1% revenue growth highlights its ability to expand operations despite current losses, positioning it for potential profitability gains by 2026 as the housing market rebounds. The Tradestie Score of 58.7 suggests a moderate investment appeal, with room for upside if interest rates stabilize and mortgage demand increases. Additionally, as a focused player in residential loans, FBLA could benefit from broader economic recovery, making it a stock worth considering for long-term investors.
TSBK
Timberland Bancorp Inc is a bank holding company. It has one reportable operating segment which is defined as community banking in western Washington under the operating name Timberland Bank. The bank offers a variety of services such as checking accounts, online and mobile banking, savings accounts, home loans, consumer loans, construction loans, business rewards, cash management, small business solutions, and …
Timberland Bancorp Inc stands out in the Savings Institutions sector through its specialized community banking operations in western Washington, offering essential services like checking, savings, and digital banking that cater to local needs. Its robust revenue growth of 17.3% highlights its ability to thrive in a competitive environment, making it a key player in regional financial services.
With a profit margin of 35.7%, Timberland Bancorp demonstrates strong operational efficiency, converting a significant portion of revenue into net income. Its ROE of 11.5% further indicates solid financial health, as it effectively utilizes shareholder equity to generate returns, supported by a low P/E ratio of 9.6 that suggests undervaluation relative to earnings.
Timberland Bancorp's 17.3% revenue growth signals strong potential for continued expansion in the community banking sector by 2026, driven by increasing demand for digital and local services. The attractive P/E ratio of 9.6 implies the stock is undervalued, offering opportunities for significant capital appreciation as economic conditions improve. Additionally, its 35.7% profit margin provides a buffer for sustained profitability, positioning it well for investors seeking stable returns in a recovering market.
SRBK
SR Bancorp Inc principal business is to acquire deposits from individuals and businesses in the communities surrounding offices and to use these deposits to fund loans.
SR Bancorp Inc. plays a vital role in the Savings Institutions sector by focusing on community-based deposit acquisition and loan funding, which supports local economic stability and financial inclusion. Its Tradestie Score of 57.8 indicates moderate sector relevance, reflecting a balanced position amid competitive banking dynamics.
SR Bancorp's 14.3% profit margin demonstrates reasonable efficiency in converting revenue to profit, but a low ROE of 2.3% suggests inefficient use of shareholder equity, compounded by a -6.6% revenue growth that highlights recent operational challenges impacting financial health.
By 2026, SR Bancorp could benefit from potential economic recovery in the Savings Institutions sector, where improving interest rates might enhance loan demand and offset the current -6.6% revenue decline. The company's established community deposit base positions it for growth in local markets, potentially improving ROE beyond 2.3% with better capital utilization. Additionally, a P/E ratio of 29.4 signals investor optimism for future earnings growth, making it an attractive buy for those anticipating sector rebound.
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.