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 | TBBK | The Bancorp Inc. | 71.4 | 10.47% | 0.30 | 28 | -24.71% | 52 | distress |
| 2 | UNTY | Unity Bancorp | 65.4 | 8.86% | 0.85 | 38 | -4.47% | 23 | distress |
| 3 | SFBS | ServisFirst Bancshares Inc. | 64.9 | 9.16% | 0.13 | 35 | -3.95% | 55 | distress |
| 4 | BOH | Bank of Hawaii Corp. | 63.9 | 9.32% | 0.04 | 27 | -8.54% | 22 | grey |
| 5 | WAFD | WaFd, Inc. Common Stock | 63.9 | 6.67% | 0.05 | 31 | -13.46% | 27 | grey |
| 6 | RF | Regions Financial Corp. | 63.8 | 10.42% | 0.06 | 29 | -8.17% | 18 | grey |
| 7 | CASH | Pathward Financial, Inc. Common Stock | 63.5 | 13.25% | 0.14 | 36 | -8.54% | 37 | distress |
| 8 | NBHC | NATIONAL BANK HOLDINGS CORP. | 63.2 | 7.40% | 0.06 | 19 | -7.60% | 16 | distress |
| 9 | BBT | Beacon Financial Corporation | 63.1 | 10.73% | 0.07 | 34 | -7.42% | 24 | distress |
| 10 | MTB | M&T Bank Corp. | 61.9 | 8.19% | 0.07 | 32 | -6.16% | 20 | grey |
| 11 | LOB | Live Oak Bancshares, Inc. | 61.7 | 21.20% | 0.07 | 32 | -5.95% | 24 | distress |
| 12 | PEBO | Peoples Bancorp Inc/OH | 61.4 | 7.50% | 0.10 | 36 | -4.34% | 50 | distress |
| 13 | UMBF | UMB Financial Corp | 61.1 | 12.32% | 0.04 | 33 | -5.70% | 37 | grey |
| 14 | VLY | Valley National Bancorp | 60.9 | 8.79% | 0.10 | 34 | -4.97% | 15 | distress |
| 15 | PB | Prosperity Bancshares Inc | 60.7 | 8.11% | 0.06 | 34 | -5.14% | 16 | grey |
Short-Squeeze Watch
Constituents with the highest composite squeeze score — heavy short interest meeting price support.
| # | |||||||
|---|---|---|---|---|---|---|---|
| 1 | CLBK | Columbia Financial, Inc. Common Stock | 84.9 | 28.57% | 6.01 | -1.04% | critical |
| 2 | TFSL | TFS Financial Corporation | 81.8 | 15.53% | 12.29 | -3.50% | critical |
| 3 | BOKF | BOK Financial Corp | 71.8 | 12.28% | 8.94 | -3.99% | high |
| 4 | HIFS | Hingham Institution for Saving | 71.2 | 20.48% | 7.97 | +0.78% | high |
| 5 | MCHB | Mechanics Bancorp Class A Common Stock | 71.0 | 10.60% | 9.23 | -3.99% | high |
| 6 | FLG | Flagstar Bank, National Association | 66.7 | 13.21% | 10.02 | -11.09% | high |
| 7 | OZK | Bank OZK | 66.3 | 15.60% | 17.60 | -3.46% | high |
| 8 | HBT | HBT Financial, Inc. Common Stock | 64.8 | 6.38% | 9.30 | +2.37% | high |
| 9 | FIBK | First Interstate BancSystem, Inc. Common Stock (DE) | 64.2 | 12.69% | 10.32 | -1.45% | high |
| 10 | TFIN | Triumph Financial, Inc. | 62.0 | 10.76% | 11.59 | -10.89% | high |
| 11 | HTH | HILLTOP HOLDINGS INC. | 62.0 | 6.55% | 10.15 | +1.16% | high |
| 12 | CASH | Pathward Financial, Inc. Common Stock | 61.7 | 13.35% | 12.94 | -8.54% | 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.