Diamonds in the Rough
Cross-referencing fundamental value against technical exhaustion to isolate beaten-down KRE constituents that screen cheap and oversold. The bottom-right quadrant — high earnings yield, low RSI — is the prime hunting ground, especially where money flow (MFI) shows quiet accumulation despite the falling price.
Educational screen, not investment advice. “Diamond” classification is a mechanical valuation-vs-RSI split around the cohort median earnings yield and an RSI of 50.
Alpha Quadrant — Valuation × Technical Exhaustion
X = earnings yield (cheaper right) · Y = RSI 14 (more oversold lower) · bubble = market cap · color = money flow.
Diamond Candidates
Ranked by a composite of earnings yield, ROIC, oversold RSI, recent weakness, and improving money flow.
| # | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| 1 | CTBI | Community Trust Bancorp Inc | 65.2 | 10.84% | 0.09 | 38 | -5.50% | 59 | grey |
| 2 | HBCP | Home Bancorp, Inc. | 65.2 | 16.81% | 0.09 | 32 | -9.09% | 45 | distress |
| 3 | TCBX | Third Coast Bancshares, Inc. Common Stock | 63.7 | 22.52% | 0.08 | 32 | -7.87% | 41 | distress |
| 4 | MPB | Mid Penn Bancorp, Inc. | 62.2 | 9.55% | 0.10 | 36 | -5.33% | 48 | distress |
| 5 | FFIN | First Financial Bankshares Inc | 59.9 | 8.03% | 0.05 | 37 | -6.13% | 32 | safe |
| 6 | OSBC | Old Second Bancorp Inc | 59.9 | 7.51% | 0.13 | 41 | -0.49% | 63 | distress |
| 7 | LOB | Live Oak Bancshares, Inc. | 58.9 | 22.27% | 0.07 | 41 | -5.43% | 52 | distress |
| 8 | HTH | HILLTOP HOLDINGS INC. | 55.0 | 7.72% | 0.08 | 41 | -5.31% | 29 | distress |
| 9 | IBOC | International Bancshares Corp | 54.4 | 13.60% | 0.08 | 42 | -3.20% | 50 | safe |
| 10 | TBBK | The Bancorp Inc. | 54.1 | 10.14% | 0.30 | 49 | +2.75% | 67 | distress |
| 11 | UNTY | Unity Bancorp | 53.5 | 8.57% | 0.85 | 59 | +3.38% | 72 | distress |
| 12 | WAFD | WaFd, Inc. Common Stock | 52.8 | 6.81% | 0.05 | 41 | -4.50% | 44 | grey |
| 13 | NBHC | NATIONAL BANK HOLDINGS CORP. | 52.6 | 7.23% | 0.06 | 50 | -2.99% | 63 | distress |
| 14 | NRIM | Northrim BanCorp Inc | 52.4 | 15.46% | 0.13 | 42 | -3.24% | 36 | grey |
| 15 | BOKF | BOK Financial Corp | 51.3 | 8.05% | 0.04 | 51 | -1.88% | 64 | safe |
Short-Squeeze Watch
Constituents with the highest composite squeeze score — heavy short interest meeting price support.
| # | |||||||
|---|---|---|---|---|---|---|---|
| 1 | TFSL | TFS Financial Corporation | 85.5 | 18.46% | 13.11 | +0.06% | critical |
| 2 | CLBK | Columbia Financial, Inc. Common Stock | 77.0 | 32.79% | 3.74 | -3.21% | critical |
| 3 | BOKF | BOK Financial Corp | 76.8 | 13.55% | 8.45 | -1.88% | critical |
| 4 | OZK | Bank OZK | 76.4 | 16.63% | 13.54 | +9.36% | critical |
| 5 | HIFS | Hingham Institution for Saving | 74.5 | 22.53% | 7.23 | +3.34% | high |
| 6 | MCHB | Mechanics Bancorp Class A Common Stock | 72.1 | 10.80% | 7.01 | +0.86% | high |
| 7 | CASH | Pathward Financial, Inc. Common Stock | 69.4 | 14.01% | 11.59 | +5.06% | high |
| 8 | DCOM | Dime Commercial Bancshares, Inc. | 69.3 | 10.45% | 13.09 | +6.06% | high |
| 9 | CBC | Central Bancompany, Inc. Class A Common Stock | 67.0 | 12.46% | 4.08 | +10.27% | high |
| 10 | FLG | Flagstar Bank, National Association | 65.9 | 15.64% | 8.50 | -15.82% | high |
| 11 | EGBN | Eagle Bancorp Inc | 65.5 | 11.21% | 8.13 | +19.99% | high |
| 12 | VLY | Valley National Bancorp | 65.0 | 12.49% | 6.80 | +8.82% | high |
Market cap, valuation, and short-interest metrics are joined to the latest KRE holdings snapshot; each ticker links to its full quote and analysis page.