Sectors & IndustriesFinancial ServicesBanks - Regional

Best Bank Stocks to Buy Now (2026)

Top bank stocks in 2026 ranked by overall Zen Rating. "A" Rated stocks have returned an average of +32.52% per year, and are the best bank stocks to buy now. Learn More.

According to Zen Ratings, our proprietary rating system that evaluates 115 factors proven to drive growth in stocks and assigns each stock in our system an overall letter grade as well as 7 individual Component Grades for Value, Growth, Momentum, Sentiment, Safety, Financials, and proprietary AI algorithms, the 3 best bank stocks to buy right now are:

Chemung Financial (NASDAQ:CHMG) is the #1 top bank stock out of 312 with a Zen Rating of B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

The Component Grade breakdown for Chemung Financial (NASDAQ:CHMG) is: Value: C, Growth: B, Momentum: B, Sentiment: B, Safety: C, Financials: D, and AI: B.

Chemung Financial (NASDAQ:CHMG) has a Due Diligence Score of 46, which is 7 points higher than the bank industry average of 39.

CHMG passed 16 out of 38 due diligence checks and has strong fundamentals. Chemung Financial has seen its stock return 44.15% over the past year, overperforming other bank stocks by 27 percentage points.

Chemung Financial has an average 1 year price target of $64.00, a downside of -5.21% from Chemung Financial's current stock price of $67.52.

Chemung Financial stock has a consensus Hold recommendation according to Wall Street analysts. Of the 1 analyst covering Chemung Financial, 0% have issued a Strong Buy rating, 0% have issued a Buy, 100% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

Bank Of The James Financial Group (NASDAQ:BOTJ) is the #2 top bank stock out of 312 with a Zen Rating of B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

The Component Grade breakdown for Bank Of The James Financial Group (NASDAQ:BOTJ) is: Value: B, Growth: B, Momentum: B, Sentiment: C, Safety: C, Financials: C, and AI: A.

Bank Of The James Financial Group (NASDAQ:BOTJ) has a Due Diligence Score of 41, which is 2 points higher than the bank industry average of 39.

BOTJ passed 14 out of 38 due diligence checks and has strong fundamentals. Bank Of The James Financial Group has seen its stock return 57.9% over the past year, overperforming other bank stocks by 41 percentage points.

Macro Bank (NYSE:BMA) is the #3 top bank stock out of 312 with a Zen Rating of B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

The Component Grade breakdown for Macro Bank (NYSE:BMA) is: Value: C, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: A.

Macro Bank (NYSE:BMA) has a Due Diligence Score of 12, which is -27 points lower than the bank industry average of 39. Although this number is below the industry average, our proven quant model rates BMA as a "B".

BMA passed 4 out of 38 due diligence checks and has weak fundamentals. Macro Bank has seen its stock return 5.1% over the past year, underperforming other bank stocks by -12 percentage points.

Macro Bank has an average 1 year price target of $91.50, an upside of 6.22% from Macro Bank's current stock price of $86.14.

Macro Bank stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Macro Bank, 100% have issued a Strong Buy rating, 0% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

Out of 267 bank stocks that have issued dividends in the past year, the 3 bank stocks with the highest dividend yields are:

First Northwest Bancorp (NASDAQ:FNWB) has an annual dividend yield of N/A, which is N/A percentage points lower than the bank industry average of 2.74%. First Northwest Bancorp's dividend payout is stable, having never dropped by more than 10% in the last 10 years. First Northwest Bancorp's dividend has shown consistent growth over the last 10 years.

First Northwest Bancorp's dividend payout ratio of 12.7% indicates that its dividend yield is sustainable for the long-term.

Bayfirst Financial (NASDAQ:BAFN) has an annual dividend yield of N/A, which is N/A percentage points lower than the bank industry average of 2.74%.

Bayfirst Financial's dividend payout ratio of -1.1% indicates that its dividend yield might not be sustainable for the long-term.

Mechanics Bancorp (NASDAQ:MCHB) has an annual dividend yield of 9.18%, which is 6 percentage points higher than the bank industry average of 2.74%. Mechanics Bancorp's dividend payout is not stable, having dropped more than 10% one times in the last 10 years. Mechanics Bancorp's dividend has shown consistent growth over the last 10 years.

Mechanics Bancorp's dividend payout ratio of 79.2% indicates that its high dividend yield is sustainable for the long-term.

Bank stocks were down -2.34% in the last day, and down -2.26% over the last week. Newtekone was the among the top losers in the banks - regional industry, dropping -7.26% yesterday.

Shares of companies within the broader financials sector are trading lower, possibly due to rising yields and oil. Weakness within the sector may be due to ongoing inflationary concerns.

Based on the Valuation rating, one of the 7 components of a stocks overall Zen Ratings grade, which evaluates factors including estimated earnings yield, earnings before interest and taxes/enterprise value, cash flow yield, free cash flow to price, and price-to-earnings growth (PEG ratio), the 3 most undervalued bank stocks right now are:

Op Bancorp (NASDAQ:OPBK) is the most undervalued bank stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Op Bancorp has a valuation score of 71, which is 24 points higher than the bank industry average of 47. It passed 5 out of 7 valuation due diligence checks.

Op Bancorp's stock has gained 13.2% in the past year. It has underperformed other stocks in the bank industry by -4 percentage points.

Woori Financial Group (NYSE:WF) is the second most undervalued bank stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Woori Financial Group has a valuation score of 71, which is 24 points higher than the bank industry average of 47. It passed 5 out of 7 valuation due diligence checks.

Woori Financial Group's stock has gained 46.64% in the past year. It has overperformed other stocks in the bank industry by 29 percentage points.

Pcb Bancorp (NASDAQ:PCB) is the third most undervalued bank stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Pcb Bancorp has a valuation score of 43, which is -4 points higher than the bank industry average of 47. It passed 3 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates PCB a Valuation Rating of "A".

Pcb Bancorp's stock has gained 23.84% in the past year. It has overperformed other stocks in the bank industry by 7 percentage points.

36.74% of bank stocks rated by analysts are a strong buy right now. On average, analysts expect bank stocks to rise by 14.12% over the next year.

0% of bank stocks have a Zen Rating of A (Strong Buy), 8.03% of bank stocks are rated B (Buy), 79.56% are rated C (Hold), 12.04% are rated D (Sell), and 0.36% are rated F (Strong Sell).