8 US Banking Stocks With Low NPAs & High Net Income Growth


27% profits every 20 days?

This is what Nic Chahine averages with his options buys. Not selling covered calls or spreads... BUYING options. Most traders don't even have a winning percentage of 27% buying options. He has an 83% win rate. Here's how he does it.


The NPA (non performing assets) to loans ratio is considered to be a measure to identify the overall quality of the bank's loan book.

Today we have shortlisted 8 U.S banking stocks that have reported low NPA (Non Performing Assets) to loans ratio (<1.5%) during their latest reported quarter, suggesting the loans quality is good.

Moreover, these stocks are expected to report high growth in Net Income (>10.0%) for the period Q4’FY14. During the past one month, half of the stocks have registered price gains with daily average trading volumes in excess of 100,000.


Company Name

Ticker

Exchange

Market Cap
(U.S$ MN)

Last Price

Average Volume 
(1 Month)

Price Change (1-Month)

NPA/Total Loans as of Latest Quarter

Net Income Growth Q4' FY14E

MB Financial Inc

MBFI

NASDAQ

2,287.9

30.60

402,287

-3.7%

1.3%

42.1%

State Bank Financial Corp

STBZ

NASDAQ

674.4

19.20

161,349

0.6%

0.1%

29.1%

First Financial Bancorp

FFBC

NASDAQ

1,067.3

17.39

239,550

-2.5%

1.4%

17.4%

Meridian Bancorp Inc

EBSB

NASDAQ

616.0

11.26

104,845

1.4%

1.2%

14.8%

NBT Bancorp Inc

NBTB

NASDAQ

1,076.5

24.62

123,250

-2.0%

0.9%

14.3%

TrustCo Bank Corp NY

TRST

NASDAQ

649.1

6.84

270,936

0.3%

1.4%

11.8%

Northfield Bancorp Inc

NFBK

NASDAQ

706.8

14.43

211,319

1.2%

0.8%

11.8%

Customers Bancorp Inc

CUBI

NYSE

488.2

18.33

119,242

-2.1%

0.6%

11.7%

Source: Bloomberg

Company Description

MB Financial Inc (NASDAQ: MBFI)
MB Financial, Inc. is the holding company for MB Financial Bank, N.A., a commercial bank serving middle market businesses and individuals. The Bank offers a range of products and services through branches located in Illinois.

State Bank Financial Corp (NASDAQ: STBZ)
State Bank Financial Corp. is a bank holding company. The company's banking subsidiary has locations in metro Atlanta and Bibb, Houston, Dooly, and Jones counties in Middle Georgia.

First Financial Bancorp (NASDAQ: FFBC)
First Financial Bancorp. is a financial holding company. The subsidiaries provide commercial lending, real estate lending, consumer credit, credit card, and other personal loan financing. First Financial operates through a network of offices in western Ohio, Indiana, southern Michigan, and northern Kentucky.

Meridian Bancorp Inc (NASDAQ: EBSB)
Meridian Bancorp Inc. is the holding company for East Boston Savings Bank.

NBT Bancorp Inc (NASDAQ: NBTB)
NBT Bancorp Inc. is a banking holding company. The company, through its Banking subsidiaries, operates branches in New York and Pennsylvania and provides a full range of retail and commercial banking services,as well as trust and investment services for individuals and businesses.

TrustCo Bank Corp NY (NASDAQ: TRST)
TrustCo Bank Corp NY is the holding company for Trustco Bank, National Association. The Bank operates banking offices and automated teller machines in Albany, Columbia, Greene, Rensselaer, Saratoga, Schenectady, Schoharie, Warren, and Washington counties, New York. TrustCo provides a wide range of personal and business banking services, including trust services.

Northfield Bancorp Inc (NASDAQ: NFBK)
Northfield Bancorp, Inc. is the holding company of Northfield Bank. The Bank attracts deposits and offers credit and other banking services.

Customers Bancorp Inc (NYSE: CUBI)
Customers Bancorp, Inc. provides banking services. The company offers checking and saving accounts, personal and commercial loans, and retirement planning services. Customers Bancorp serves customers throughout the State of Pennsylvania.


27% profits every 20 days?

This is what Nic Chahine averages with his options buys. Not selling covered calls or spreads... BUYING options. Most traders don't even have a winning percentage of 27% buying options. He has an 83% win rate. Here's how he does it.


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