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3 Bank Stocks with Questionable Fundamentals

By: StockStory

April 24, 2026 at 00:39 AM EDT

ⓘ This article is third-party content and does not represent the views of this site. We make no guarantees regarding its accuracy or completeness.

ONB Cover Image

Banks serve as the backbone of the economy, facilitating lending, deposits, and financial services that keep businesses and consumers moving forward. These institutions have benefited from improved net interest margins and robust credit growth, so it’s no surprise the banking industry has posted a 11.3% gain over the past six months, beating the S&P 500 by 6.3 percentage points.

Although banks have produced good results, only a handful will thrive over the long term as fintech disruptors are rapidly taking market share from traditional institutions. Keeping that in mind, here are three bank stocks we’re passing on.

Old National Bank (ONB)

Market Cap: $9.27 billion

Tracing its roots back to 1834 when Andrew Jackson was president, Old National Bancorp (NASDAQ: ONB) is a bank holding company that provides commercial and consumer loans, deposit services, wealth management, and treasury solutions primarily throughout the Midwest region.

Why Does ONB Give Us Pause?

Net interest margin of 3.5% is well below other banks, signaling its loans aren’t very profitable
Performance over the past five years shows its incremental sales were less profitable, as its 5.8% annual earnings per share growth trailed its revenue gains
4% annual tangible book value per share growth over the last five years was slower than its banking peers

Old National Bank is trading at $23.96 per share, or 1x forward P/B. Dive into our free research report to see why there are better opportunities than ONB.

NBT Bancorp (NBTB)

Market Cap: $2.36 billion

Tracing its roots back to 1856 when it first opened its doors in Norwich, New York, NBT Bancorp (NASDAQ: NBTB) is a community-oriented financial institution providing banking, wealth management, and insurance services to individuals and businesses across the northeastern United States.

Why Does NBTB Worry Us?

Sales trends were unexciting over the last five years as its 9.3% annual growth was below the typical banking company
Estimated net interest income growth of 6.7% for the next 12 months implies demand will slow from its five-year trend
Performance over the past five years shows its incremental sales were less profitable, as its 4.8% annual earnings per share growth trailed its revenue gains

NBT Bancorp’s stock price of $43.27 implies a valuation ratio of 1.1x forward P/B. Read our free research report to see why you should think twice about including NBTB in your portfolio.

Arbor Realty Trust (ABR)

Market Cap: $1.50 billion

With roots dating back to 2003 and a focus on the stability of multifamily housing, Arbor Realty Trust (NYSE: ABR) is a specialized lender that provides financing solutions for multifamily and commercial real estate while also originating and servicing government-backed mortgage loans.

Why Should You Dump ABR?

Net interest income trends were unexciting over the last five years as its 6% annual growth was below the typical banking firm
Earnings per share decreased by more than its revenue over the last two years, showing each sale was less profitable
Annual tangible book value per share declines of 5.1% for the past two years show its capital management struggled during this cycle

At $7.81 per share, Arbor Realty Trust trades at 0.8x forward P/B. To fully understand why you should be careful with ABR, check out our full research report (it’s free).

High-Quality Stocks for All Market Conditions

ONE MORE THING: Top 6 Stocks for This Week. This market is separating quality stocks from expensive ones fast. AI taking down whole sectors with no warning. In a rotation this fast, you need more than a list of good companies.

Our AI system flagged Palantir before it ran 1,662%. AppLovin before it ran 753%. Nvidia before it ran 1,178%. Each week it produces 6 new names that pass the same tests. Get Our Top 6 Stocks for Free HERE.

Stocks that made our list in 2020 include now familiar names such as Nvidia (+1,326% between June 2020 and June 2025) as well as under-the-radar businesses like the once-small-cap company Exlservice (+354% five-year return). Find your next big winner with StockStory today.

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