{"id":13664,"date":"2025-10-19T05:08:43","date_gmt":"2025-10-19T05:08:43","guid":{"rendered":"https:\/\/www.gainify.io\/blog\/?p=13664"},"modified":"2026-01-07T14:12:53","modified_gmt":"2026-01-07T14:12:53","slug":"regional-bank-stocks","status":"publish","type":"post","link":"https:\/\/www.gainify.io\/blog\/regional-bank-stocks","title":{"rendered":"Top 15 Regional Bank Stocks: 2026 Valuation Look-Through"},"content":{"rendered":"\n

Regional banks<\/strong> have spent two years under a cloud from unrealized losses<\/strong> on securities accumulated in the low-rate era. Those mark-to-market hits pressured confidence and multiples.<\/p>\n\n\n\n

The backdrop is changing. With rates already drifting lower<\/strong> and the path biased to further cuts, those losses shrink on their own<\/strong>, deposit costs ease, and investors<\/a> can refocus on core earnings<\/a> power<\/strong> and book value<\/strong>.<\/p>\n\n\n\n

Below is a clean valuation snapshot of the top 15 U.S. regional banks by market cap<\/a><\/strong> from your screen. Use it to spot relative value and where the market is still pricing in caution.<\/p>\n\n\n\n

Valuation Snapshot: Top 15 Regional Banks (Jan 2026)<\/strong><\/h2>\n\n\n\n

<\/p>\n\n\n\n

#<\/div><\/th>
Company<\/div><\/th>
Ticker<\/div><\/th>
Market Cap<\/div><\/th>
Last Price<\/div><\/th>
Fwd P\/E<\/div><\/th>
Fwd P\/B<\/div><\/th>
Analyst Upside<\/div><\/th><\/tr><\/thead>
1<\/div><\/td>
Truist Financial<\/a><\/div><\/td>
TFC<\/a><\/strong><\/div><\/td>
$65.47B<\/div><\/td>
$51.19<\/div><\/td>
12.77x<\/div><\/td>
1.06x<\/div><\/td>
5.21%<\/div><\/td><\/tr>
2<\/div><\/td>
M&T Bank<\/a><\/div><\/td>
MTB<\/a><\/strong><\/div><\/td>
$32.48B<\/div><\/td>
$211.32<\/div><\/td>
12.57x<\/div><\/td>
1.22x<\/div><\/td>
7.08%<\/div><\/td><\/tr>
3<\/div><\/td>
Huntington Bancshares<\/a><\/div><\/td>
HBAN<\/a><\/strong><\/div><\/td>
$28.69B<\/div><\/td>
$18.30<\/div><\/td>
11.96x<\/div><\/td>
1.31x<\/div><\/td>
10.66%<\/div><\/td><\/tr>
4<\/div><\/td>
Citizens Financial Group<\/a><\/div><\/td>
CFG<\/a><\/strong><\/div><\/td>
$26.69B<\/div><\/td>
$62.14<\/div><\/td>
16.20x<\/div><\/td>
1.11x<\/div><\/td>
6.90%<\/div><\/td><\/tr>
5<\/div><\/td>
Regions Financial<\/a><\/div><\/td>
RF<\/a><\/strong><\/div><\/td>
$25.18B<\/div><\/td>
$28.72<\/div><\/td>
11.93x<\/div><\/td>
1.38x<\/div><\/td>
4.82%<\/div><\/td><\/tr>
6<\/div><\/td>
East West Bancorp<\/a><\/div><\/td>
EWBC<\/a><\/strong><\/div><\/td>
$16.19B<\/div><\/td>
$117.69<\/div><\/td>
12.39x<\/div><\/td>
1.83x<\/div><\/td>
8.92%<\/div><\/td><\/tr>
7<\/div><\/td>
First Horizon<\/a><\/div><\/td>
FHN<\/a><\/strong><\/div><\/td>
$12.15B<\/div><\/td>
$24.67<\/div><\/td>
13.43x<\/div><\/td>
1.40x<\/div><\/td>
5.77%<\/div><\/td><\/tr>
8<\/div><\/td>
Webster Financial<\/a><\/div><\/td>
WBS<\/a><\/strong><\/div><\/td>
$10.60B<\/div><\/td>
$65.70<\/div><\/td>
11.06x<\/div><\/td>
1.14x<\/div><\/td>
11.74%<\/div><\/td><\/tr>
9<\/div><\/td>
Wintrust Financial<\/a><\/div><\/td>
WTFC<\/a><\/strong><\/div><\/td>
$9.89B<\/div><\/td>
$147.63<\/div><\/td>
12.70x<\/div><\/td>
1.43x<\/div><\/td>
8.19%<\/div><\/td><\/tr>
10<\/div><\/td>
SouthState<\/a> Bank<\/div><\/td>
SSB<\/a><\/strong><\/div><\/td>
$9.76B<\/div><\/td>
$97.14<\/div><\/td>
10.39x<\/div><\/td>
1.05x<\/div><\/td>
18.01%<\/div><\/td><\/tr>
11<\/div><\/td>
Western Alliance<\/a><\/div><\/td>
WAL<\/a><\/strong><\/div><\/td>
$9.62B<\/div><\/td>
$88.46<\/div><\/td>
10.43x<\/div><\/td>
1.30x<\/div><\/td>
14.36%<\/div><\/td><\/tr>
12<\/div><\/td>
UMB Financial<\/a><\/div><\/td>
UMBF<\/a><\/strong><\/div><\/td>
$9.22B<\/div><\/td>
$121.43<\/div><\/td>
11.35x<\/div><\/td>
1.25x<\/div><\/td>
13.39%<\/div><\/td><\/tr>
13<\/div><\/td>
Old National<\/a><\/div><\/td>
ONB<\/a><\/strong><\/div><\/td>
$9.08B<\/div><\/td>
$23.24<\/div><\/td>
10.74x<\/div><\/td>
1.10x<\/div><\/td>
11.55%<\/div><\/td><\/tr>
14<\/div><\/td>
Zions Bancorporation<\/a><\/div><\/td>
ZION<\/a><\/strong><\/div><\/td>
$9.00B<\/div><\/td>
$60.96<\/div><\/td>
10.23x<\/div><\/td>
1.28x<\/div><\/td>
6.18%<\/div><\/td><\/tr>
15<\/div><\/td>
Columbia Banking System<\/a><\/div><\/td>
COLB<\/a><\/div><\/td>
$8.67B<\/div><\/td>
$28.99<\/div><\/td>
9.85x<\/div><\/td>
1.11x<\/div><\/td>
5.21%<\/div><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

How the Top 15 Regional Banks Stack Up on Valuation<\/strong><\/h2>\n\n\n\n

Looking across the group, several clear patterns emerge:<\/p>\n\n\n\n

1. Valuations are tightly clustered.<\/strong><\/p>\n\n\n\n