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Held by 140 of 2,417 reporting institutions (92th percentile) — extremely crowded.
Data as of Q3 2026
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Ranked against 18 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| STT | $47.4B | 18.5× | — | 3.4× | 7.3% | — | 21.1% | 10.6% | 10.6% | — | 388 |
| NTRS | $31.6B | 19.8× | — | 3.9× | -2.5% | — | 21.5% | 13.4% | 13.4% | — | 272 |
| CFG | $27.7B | 17.0× | — | 3.4× | 5.6% | — | 22.2% | 7.0% | 4.9% | — | 319 |
| FCNCA | $26.5B | 14.4× | — | 2.8× | -2.2% | — | 23.1% | 9.9% | 3.8% | — | 162 |
| ALLY | $12.1B | 16.7× | — | 1.5× | -3.3% | — | 10.8% | 5.5% | 2.5% | — | 140 |
| UCB | $4.5B | 14.2× | — | 4.2× | 11.7% | — | 30.9% | 9.0% | 8.5% | — | 84 |
| FBP | $4.0B | 12.4× | — | 3.2× | 2.4% | — | 27.5% | 17.5% | 15.3% | — | 67 |
| FHB | $3.1B | 11.7× | — | 3.5× | 8.9% | — | 31.4% | 10.0% | 10.0% | — | 74 |
| BUSE | $2.4B | 20.1× | — | 3.4× | 55.7% | — | 18.8% | 5.5% | 5.5% | — | 61 |
| GABC | $1.9B | 16.1× | — | 3.8× | 37.8% | — | 23.1% | 9.7% | 8.9% | — | 39 |
| PEBO | $1.4B | 13.0× | 13.5× | 16.1× | 2.3% | — | — | 8.8% | 5.5% | 3.8× | 41 |
| UVSP | $1.1B | 12.6× | — | 3.3× | 9.6% | — | 27.7% | 9.6% | 9.4% | — | 49 |
| FMNB | $934M | 10.9× | — | 3.3× | 3.9% | — | 19.5% | 11.2% | 6.4% | — | 33 |
| WASH | $750M | 14.5× | — | 3.3× | 128% | — | 22.8% | 9.6% | 9.6% | — | 39 |
| ACNB | $667M | 18.2× | — | 3.5× | 45.1% | — | 19.3% | 8.8% | 5.0% | — | 22 |
| COFS | $523M | 17.4× | — | 2.3× | 63.6% | — | 12.4% | 6.1% | 6.1% | — | 23 |
| CFFI | $362M | 13.4× | — | 2.6× | 10.6% | — | 19.1% | 10.3% | 9.5% | — | 11 |
| MYFW | $307M | 23.5× | — | 3.2× | 7.6% | — | 13.6% | 5.0% | 5.0% | — | 17 |
| MNSB | $153M | 12.2× | — | 1.1× | -1.6% | 54.3% | 11.5% | 7.1% | 7.1% | — | 16 |
Peers = companies sharing ALLY's sector (State Commercial Banks) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 10% of free cash flow, leaving room to grow it and fund buybacks. Last year: $379.0M dividends + $59.0M buybacks = $438.0M returned on $3.73B FCF.
2 consecutive years of dividend increases · 20%/yr.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: 2%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.91B 100.0% | $8.18B 100.0% | $8.23B 100.0% | $8.43B 100.0% | $8.21B 100.0% | $6.69B 100.0% | $6.39B 100.0% | $5.80B 100.0% | $5.76B 100.0% | $5.44B 100.0% |
| Interest Expense | — | — | $6.90B 83.8% | $2.86B 33.9% | $1.91B 23.3% | $3.24B 48.5% | $4.24B 66.4% | $3.64B 62.7% | $2.86B 49.6% | $2.63B 48.4% |
| Other Income (Expense), net | — | — | — | — | — | — | — | — | $1.54B 26.8% | $1.53B 28.1% |
| Pretax Income | $1.05B 13.3% | $836.0M 10.2% | $1.10B 13.4% | $2.34B 27.8% | $3.85B 47.0% | $1.41B 21.1% | $1.97B 30.8% | $1.62B 27.9% | $1.51B 26.1% | $1.58B 29.1% |
| Income Tax Expense | $199.0M 2.5% | $167.0M 2.0% | $144.0M 1.7% | $627.0M 7.4% | $790.0M 9.6% | $328.0M 4.9% | $246.0M 3.8% | $359.0M 6.2% | $581.0M 10.1% | $470.0M 8.6% |
| Net Income | $852.0M 10.8% | $668.0M 8.2% | $957.0M 11.6% | $1.71B 20.3% | $3.06B 37.3% | $1.08B 16.2% | $1.72B 26.8% | $1.26B 21.8% | $929.0M 16.1% | $1.07B 19.6% |
| Per Share | ||||||||||
| EPS (Basic) | $2.39 | $1.82 | $2.79 | $5.06 | $8.28 | $2.89 | $4.36 | $2.97 | $2.05 | $2.15 |
| EPS (Diluted) | $2.37 | $1.80 | $2.77 | $5.03 | $8.22 | $2.88 | $4.34 | $2.95 | $2.04 | $2.15 |
| Weighted Avg Shares (Basic) | 310.0M | 306.9M | 303.8M | 316.7M | 362.6M | 375.6M | 393.2M | 425.2M | 453.7M | 481.1M |
| Weighted Avg Shares (Diluted) | 313.0M | 310.2M | 305.1M | 318.6M | 365.2M | 377.1M | 395.4M | 427.7M | 455.4M | 482.2M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $10.03B (at 2025-12-31) covers the $5.91B due within a year 1.7× over. Scheduled principal only (excludes interest & revolver draws). As of 2026-06-30 (10-Q). The cash figure is from 2025-12-31, so the two are not the same balance-sheet date — the schedule has not been refiled since.
Interest expense isn't separately reported — often netted into “other income (expense), net.” Effective rate ~41.7% on $16.53B of debt. Interest last disclosed in FY2023 (no longer broken out).
Cash of $10.03B fully covers short-term debt of $4.70B.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
EOD close · as of 2026-10-30
Where each multiple sits in its own 12-yr range · 75th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 12-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 5% against ROIC 2% — 3% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Income Tax | 6.2 | 3.8 | 4.9 | 9.6 | 7.4 | 1.7 | 2.0 | 2.5 |
| Net Income | 21.8 | 26.8 | 16.2 | 37.3 | 20.3 | 11.6 | 8.2 | 10.8 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on ALLY: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
No positive operating income in the last three years, so there is no return on capital to compare against its cost.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2016 | not reported | 0.9% | 19.6% |
| FY2017 | not reported | -0.6% | 16.1% |
| FY2018 | not reported | not reported | 21.8% |
| FY2019 | not reported | not reported | 26.8% |
| FY2020 | not reported | not reported | 16.2% |
| FY2021 | not reported | not reported | 37.3% |
| FY2022 | not reported | not reported | 20.3% |
| FY2023 | not reported | not reported | 11.6% |
| FY2024 | not reported | not reported | 8.2% |
| FY2025 | not reported | not reported | 10.8% |
Leverage and buybacks account for 3 points of the 5% return on equity in FY2025. The business earns 2% on the capital it employs; the rest is balance sheet.
ROE is on average equity; ROIC is NOPAT over average invested capital (debt plus equity less excess cash). The gap is not a single adjustment.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: positive EBIT.
Converts 4.18x of reported profit into free cash flow over 5 years, with accruals negative.
The cash conversion cycle could not be computed — receivables, inventory or cost of revenue is not reported — so the earliest accrual warning is not part of this verdict.
Missing from our data, so excluded from this answer: share_based_compensation.
Leverage is not measurable this way for a bank.
Ladder as of 2026-06-30 (10-Q); cash from the 2025-12-31 balance sheet; FCF from FY2025.
Balance sheet at 2025-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $39.64, free cash flow must compound -12.28%/yr for 10 years. It has done -1.37%/yr over 6 years.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2020 | −7.7% | −12.3% |
| FY2021 | 8.1% | −12.3% |
| FY2022 | 54.6% | −12.3% |
| FY2023 | −27.1% | −12.3% |
| FY2024 | −0.6% | −12.3% |
| FY2025 | −17.6% | −12.3% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.
| Step | Amount | Running total |
|---|---|---|
| Net income | $852M | $852M |
| Share-based comp | not reported | not reported |
| Other non-cash & working capital | $2.88B | $3.73B |
| Operating cash flow | $3.73B | $3.73B |
| Capex | $0 | $3.73B |
| Free cash flow | $3.73B | $3.73B |
| Fiscal year | Revenue growth | Receivables growth | Gap |
|---|---|---|---|
| FY2020 | 4.6% | not reported | not reported |
| FY2021 | 22.7% | not reported | not reported |
| FY2022 | 2.7% | not reported | not reported |
| FY2023 | -2.3% | not reported | not reported |
| FY2024 | -0.6% | not reported | not reported |
| FY2025 | -3.3% | not reported | not reported |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | -1.3 percent |
| FY2020 | -1.5 percent |
| FY2021 | -0.5 percent |
| FY2022 | -2.4 percent |
| FY2023 | -1.8 percent |
| FY2024 | -2.0 percent |
| FY2025 | -1.5 percent |
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-21 | 2 co-filers Chief HR & Corp Citizenship | Open-market sale | 12,831 | $38.65 | $496k |
| 2026-10-20 | Hall William Cadik Jr. President - Corporate Finance | Tax withholding | 10,614 | $37.97 | $403k |
| 2026-10-20 | 2 co-filers Chief HR & Corp Citizenship | Tax withholding | 31,047 | $37.97 | $1.2m |
| 2026-10-20 | Richard Stephanie N Chief Risk Officer |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
| 9,032 |
| $37.97 |
| $343k |
| 2026-10-20 | Hutchinson Russell E. Chief Financial Officer | Tax withholding | 21,074 | $37.97 | $800k |
| 2026-10-20 | Timmerman Douglas R. President, DFS | Tax withholding | 98,329 | $37.97 | $3.7m |
| 2026-09-30 | Gibbons Thomas P Director | Grant | 1,263 | $37.62 | $48k |
| 2026-09-30 | Bright Gunther Director | Grant | 366 | $37.62 | $14k |
| 2026-09-30 | Reilly David Director | Grant | 864 | $37.62 | $33k |
| 2026-08-04 | Richard Stephanie N Chief Risk Officer | 10b5-1 plan sale | 5,000 | $44.23 | $221k |
| 2026-07-21 | Hutchinson Russell E. Chief Financial Officer | Tax withholding | 12,614 | $44.43 | $560k |
| 2026-07-09 | Reilly David Director | Grant | 708 | $45.95 | $33k |
| 2026-07-09 | Bright Gunther Director | Grant | 300 | $45.95 | $14k |
| 2026-07-09 | Gibbons Thomas P Director | Grant | 1,034 | $45.95 | $48k |
| 2026-05-15 | Richard Stephanie N Chief Risk Officer | 10b5-1 plan sale | 5,000 | $42.14 | $211k |
| 2026-05-15 | Hutchinson Russell E. Chief Financial Officer | Other | 6 | $1000.00 | $6k |
| 2026-05-15 | Reilly David Director | Grant | 3,632 | $41.99 | $153k |
| 2026-05-15 | Bright Gunther Director | Grant | 3,632 | $41.99 | $153k |
| 2026-05-15 | Goldberg Michelle J Director | Grant | 3,632 | $41.99 | $153k |
| 2026-05-15 | Clark Mayree C Director | Grant | 3,632 | $41.99 | $153k |
| 2026-05-15 | Weber Tracey Drake Director | Grant | 3,632 | $41.99 | $153k |
| 2026-05-15 | Fennebresque Kim S Director | Grant | 3,632 | $41.99 | $153k |
| 2026-05-15 | Merrill Allan P Director | Grant | 3,632 | $41.99 | $153k |
| 2026-05-15 | Cary William H Director | Grant | 3,632 | $41.99 | $153k |
| 2026-05-15 | Gibbons Thomas P Director | Grant | 3,632 | $41.99 | $153k |
| 2026-05-15 | Hobbs Franklin W Iv Director | Grant | 6,133 | $41.99 | $258k |
| 2026-05-15 | Sharples Brian Director | Grant | 3,632 | $41.99 | $153k |
| 2026-04-17 | Timmerman Douglas R. President, DFS | 10b5-1 plan sale | 39,675 | $45.17 | $1.8m |
| 2026-04-09 | Reilly David Director | Grant | 829 | $39.23 | $33k |
| 2026-04-09 | Bright Gunther Director | Grant | 348 | $39.23 | $14k |
| 2026-04-09 | Gibbons Thomas P Director | Grant | 1,211 | $39.23 | $48k |
| 2026-02-03 | 2 co-filers Chief Legal & Corp Affairs | Grant | 23,405 | $42.30 | $990k |
| 2026-02-03 | 2 co-filers Chief Executive Officer | Grant | 99,291 | $42.30 | $4.2m |
| 2026-02-03 | 3 co-filers Chief Financial Officer | Grant | 38,298 | $42.30 | $1.6m |
| 2026-02-03 | 4 co-filers Chief Risk Officer | Grant | 18,972 | $42.30 | $803k |
| 2026-02-03 | 4 co-filers President - Corporate Finance | Grant | 27,483 | $42.30 | $1.2m |
| 2026-02-03 | 4 co-filers President, DFS | Grant | 41,135 | $42.30 | $1.7m |
| 2026-02-03 | 4 co-filers Chief HR & Corp Citizenship | Grant | 18,618 | $42.30 | $788k |
| 2026-02-03 | 4 co-filers VP, CAO, and Controller | Grant | 27,897 | $42.30 | $1.2m |
| 2026-01-30 | 4 co-filers VP, CAO, and Controller | Tax withholding | 189 | $42.30 | $8k |