Design (Testphase)
Value & GARP
Benjamin Graham: Defensive Investor
53
Hits
July 21, 2026
last calculated
Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q) · showing the 25 strongest hits
Graham's criteria for the defensive investor ("The Intelligent Investor"), applied to the available dataset: adequate size (market cap ≥ $2B), solid financing (debt ratio ≤ 1), earnings stability (positive earnings per share in every available quarter) and earnings growth (most recent quarter above the oldest), P/E ≤ 15, plus the Graham Number: P/E × P/B ≤ 22.5. The original's dividend criterion is dropped (no dividend history in the dataset); the 10-year history is approximated using the available quarters. Source: fundamental data.
No global trading filters — this strategy checks the entire stock universe purely against its own criteria (mega caps over $50B included).
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Terms in This Scanner Explained
(15)
- ADR (Average Daily Range)
- The average daily swing of a stock in percent - measured over 10 or 30 trading days (columns "ADR 10D/30D"). An ADR of 5% means: on a normal day the gap between the intraday low and high runs about 5%. Traders look for movement - that is why stocks with an ADR under 1% are filtered out globally. Not to be confused with ADR meaning "American Depositary Receipt" (a US certificate for foreign shares) - here ADR always means the daily swing.
- AI Classification
- Our company-by-company assessment of the AI boom based on SEC filings (the last four quarterly 10-Q reports and two annual 10-K reports): "Sells AI" (AI is a revenue source), "Threatened" (AI is a concrete business risk), "Uses AI" (operational use), or "Neutral" (no material AI exposure). Every classification requires at least two direct quote citations - otherwise the column shows "-". Not a quality judgment or a buy recommendation; the full file is on the stock page, methodology at /stocks/ai-rating-methodology.
- Analysis (Full Company Analysis)
- If the Analysis column shows "Read," there is an in-depth Minnow Street company analysis for this stock: business model, scanner findings, quarterly results, evidence from SEC filings, plus opportunities and risks. One click opens it directly.
- Avg/Yr 3Y (Average Annual Return)
- The stock's average annual return over the past 3 years. Shows at a glance whether a stock delivers over the long run or just had a short hot streak.
- Earnings Date
- The date of the next quarterly earnings report. Price gaps in either direction are common around this date - that is why we color it red when it is 7 days away or less, and yellow when it is 14 days away or less: elevated risk for fresh positions.
- EPS (Earnings per Share)
- Quarterly earnings divided by the number of shares outstanding. The most important growth metric: if EPS rises strongly over several quarters, the company is earning more money per share.
- Free Cash Flow (FCF)
- Operating cash flow minus capital expenditures - the money left over for everything else (debt paydown, acquisitions, or buybacks). Consistently positive free cash flow is one of the most honest signs of a healthy business model.
- Funda Rating (Fundamental Rating A+ to F)
- Our proprietary fundamental rating from -100 to +100 with a school-grade rank from A+ to F. Every stock is scored against all others by percentile: growth in earnings and revenue, earnings surprises, analyst estimates, and quality criteria such as margins, cash flow, and balance-sheet strength. A/A+ are the fundamentally strongest stocks in the universe.
- Market Capitalization (Mkt Cap)
- The market value of the company: share price x total shares outstanding, shown here in billions of dollars. Micro caps (< $0.3B) are small and volatile, mega caps (> $200B) are heavyweights. Our scanner universe is deliberately capped at $50B - we look for stocks with room to run.
- Net Margin
- How much of revenue is left as profit? Net income divided by revenue, in percent. A 20% margin means: out of every dollar of revenue, 20 cents is left as profit. Rising margins are a strong quality signal.
- Operating Cash Flow (OCF)
- The cash that actually flows into the company from day-to-day operations - without accounting effects such as depreciation. A company can report book profits while still burning cash; operating cash flow reveals that.
- Piotroski F-Score
- A balance-sheet health check developed by Joseph Piotroski: 9 yes/no criteria covering earnings, cash flow, leverage, and efficiency produce a score from 0 to 9. Scores of 7 or higher are considered financially very solid, scores under 3 a warning sign.
- Sector & Industry
- Two levels of industry classification: sector is broad (e.g., Technology), industry is narrow (e.g., Semiconductors). Many strategies watch industry strength, because strong stocks are almost always found in strong industries.
- Stage (Weinstein Stages 1-4)
- Stan Weinstein divides every price chart into four stages: Stage 1 = basing (sideways after a downtrend), Stage 2 = uptrend (the only buying stage), Stage 3 = topping, Stage 4 = downtrend (avoid, or short candidate). Measured against the 30-week line (150-day moving average) and its slope.
- Stress RS (Strength on Stress Days)
- A stress day is a day on which both the overall market and the stock's own sector fell at least 0.5%. Stress RS counts on how many of these days the stock still closed green (shown as "g/n" = green days out of n stress days) and turns that into a rating from 1 to 99. High values point to buyers stepping in even on weak days - often a sign of institutional accumulation.
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| Symbol | Earnings | Avg/Y 3Y | Stress RS | Stage | Funda Rating | Piotroski | MktCap | Industry | AI Rating | Deep Dive | Deep-Dive Report | Sector | Price | YTD | 6 Mo. | 1 Year | Off High | Price Target | RS | EPS Rating | ADR 10D | ADR 30D | Beta | P/E | P/E (f) | P/S | P/B | P/FCF | PEG | EV/EBITDA | EBIT Margin | Gross Margin | Net Margin | ROE | ROA | Debt/Eq | Equity Ratio | Sales +/Y | Div. Yield | Payout Ratio | Altman Z | Inst. % | Short % | Analysts |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| STNG Scorpio Tankers Inc | 07/29 | +34 % | 99 6/10 | Stage 2 | B +15 | 7 of 9 | 3.8 | Oil & Gas Midstream | Uses AI | — | — | Energy | 78.00 $ | +62.6 % | +39.0 % | +90.5 % | −13.7 % | +28.7 % | 83 | 92 | 3.9 % | 3.4 % | -0.25 | 7.2 | 6.8 | 3.7 | 1.1 | 8.1 | 2.46 | 4.4 | 49.1 % | 68.9 % | 48.4 % | 15.9 % | 6.3 % | 0.17 | 83.7 % | -24.6 % | 2.5 % | 22.6 % | 13.0 | 71.0 % | 5.0 % | 1.1 (9) |
| TNK Teekay Tankers Ltd | 07/29 | +45 % | 93 4/10 | Stage 2 | B +11 | 7 of 9 | 2.4 | Oil & Gas Midstream | – | — | — | Energy | 72.00 $ | +50.7 % | +24.6 % | +77.2 % | −16.3 % | +23.8 % | 82 | 86 | 4.8 % | 4.0 % | -0.25 | 5.7 | 4.3 | 2.4 | 1.1 | 17.6 | 1.10 | 2.7 | 43.7 % | 43.4 % | 42.6 % | 21.4 % | 8.6 % | 0.02 | 91.6 % | -22.6 % | 1.5 % | 17.8 % | 20.2 | 70.5 % | 3.6 % | 1.3 (6) |
| BPOP Popular Inc | 07/22 | +69 % | 4 1/22 | Stage 2 | B +18 | 6 of 9 | 10.8 | Banks - Regional | – | — | — | Financial Services | 172.10 $ | +34.0 % | +32.3 % | +57.7 % | −1.2 % | +4.2 % | 78 | 77 | 2.1 % | 2.1 % | 0.63 | 12.4 | 12.1 | 2.4 | 1.7 | 15.1 | 1.37 | 0.0 | 39.3 % | 100.0 % | 30.0 % | 14.9 % | 1.2 % | 0.20 | 8.3 % | +5.7 % | 1.8 % | 22.4 % | 0.1 | 93.3 % | 4.1 % | 1.2 (9) |
| VLY Valley National Bancorp | 07/23 | +40 % | 1 0/22 | Stage 2 | B +23 | 8 of 9 | 8.2 | Banks - Regional | – | — | — | Financial Services | 14.70 $ | +25.2 % | +24.9 % | +71.2 % | −1.1 % | +9.0 % | 77 | 79 | 2.4 % | 2.3 % | 1.05 | 13.3 | 11.5 | 2.3 | 1.1 | 14.8 | 1.16 | 0.0 | 46.4 % | 100.0 % | 33.8 % | 8.6 % | 1.0 % | 0.39 | 12.1 % | -2.2 % | 3.0 % | 40.0 % | 3.6 | 90.1 % | 9.7 % | 1.6 (12) |
| WSFS WSFS Financial Corporation | 07/23 | +42 % | 1 0/22 | Stage 2 | B +24 | 6 of 9 | 4.0 | Banks - Regional | – | — | — | Financial Services | 78.90 $ | +38.3 % | +35.0 % | +45.3 % | 0 % | +4.2 % | 75 | 76 | 2.0 % | 1.9 % | 0.76 | 13.8 | 11.1 | 2.9 | 1.5 | 13.7 | 0.98 | 0.0 | 44.0 % | 100.0 % | 29.2 % | 11.5 % | 1.5 % | 0.18 | 12.3 % | -3.1 % | 0.9 % | 12.3 % | — | 94.0 % | 5.8 % | 1.6 (5) |
| APA APA Corporation | 08/05 | +6 % | 53 2/10 | Stage 2 | C +10 | 8 of 9 | 11.8 | Oil & Gas E&P | – | — | — | Energy | 34.80 $ | +42.2 % | +37.5 % | +88.8 % | −26.8 % | +29.5 % | 74 | 72 | 3.4 % | 3.9 % | 0.35 | 7.7 | 4.9 | 1.4 | 1.8 | 8.0 | 0.54 | 2.9 | 38.5 % | 72.3 % | 18.3 % | 26.2 % | 9.6 % | 0.70 | 35.7 % | -8.4 % | 3.1 % | 24.5 % | 5.0 | 105.8 % | 10.4 % | 1.9 (29) |
| CATY Cathay General Bancorp | 07/28 | +38 % | 5 1/22 | Stage 2 | B +15 | 7 of 9 | 4.1 | Banks - Regional | – | — | — | Financial Services | 62.00 $ | +27.6 % | +24.9 % | +42.2 % | −0.6 % | -5.0 % | 72 | 72 | 2.1 % | 2.1 % | 0.85 | 12.8 | 10.1 | 3.0 | 1.4 | 11.5 | 1.33 | 0.0 | 61.5 % | 100.0 % | 43.2 % | 11.4 % | 1.4 % | 0.05 | 12.4 % | -0.4 % | 2.3 % | 29.7 % | -1.7 | 75.1 % | 4.9 % | 1.8 (5) |
| ZION Zions Bancorporation | 07/20 | +62 % | 1 0/22 | Stage 2 | B +15 | 8 of 9 | 10.0 | Banks - Regional | – | — | — | Financial Services | 71.90 $ | +18.7 % | +18.5 % | +42.5 % | −0.7 % | +2.3 % | 71 | 74 | 2.2 % | 2.2 % | 0.79 | 10.7 | 11.0 | 2.0 | 1.4 | 8.6 | 4.79 | 0.0 | 36.1 % | 100.0 % | 28.4 % | 14.1 % | 1.1 % | 0.38 | 8.3 % | -1.0 % | 2.6 % | 28.6 % | -0.4 | 81.1 % | 5.5 % | 1.7 (21) |
| FULT Fulton Financial Corporation | 07/21 | +41 % | 1 0/22 | Stage 2 | B +15 | 7 of 9 | 4.5 | Banks - Regional | – | — | — | Financial Services | 24.50 $ | +23.6 % | +21.9 % | +40.5 % | −0.3 % | -1.2 % | 70 | 54 | 2.2 % | 2.4 % | 0.80 | 11.5 | 10.5 | 2.4 | 1.4 | 11.6 | 1.54 | 0.0 | 40.8 % | 100.0 % | 30.5 % | 11.6 % | 1.2 % | 0.43 | 10.9 % | +5.0 % | 3.2 % | 34.1 % | -1.1 | 78.9 % | 5.8 % | 1.7 (7) |
| UMBF UMB Financial Corporation | 08/04 | +52 % | 13 2/22 | Stage 2 | B +34 | 5 of 9 | 10.7 | Banks - Regional | – | — | — | Financial Services | 144.60 $ | +22.1 % | +20.3 % | +41.1 % | −1.0 % | +5.7 % | 69 | 90 | 3.6 % | 2.8 % | 0.78 | 12.7 | 11.7 | 2.4 | 1.5 | 10.9 | 2.54 | 0.0 | 51.0 % | 100.0 % | 32.3 % | 12.1 % | 1.2 % | 0.52 | 10.8 % | +68.5 % | 1.2 % | 13.9 % | 3.4 | 94.8 % | 5.6 % | 1.3 (11) |
| WBS Webster Financial Corporation | 07/16 | +43 % | 25 3/22 | Stage 2 | B +16 | 5 of 9 | 12.2 | Banks - Regional | – | — | — | Financial Services | 75.40 $ | +21.9 % | +19.1 % | +45.6 % | −0.8 % | -1.6 % | 66 | 62 | 0.9 % | 1.0 % | 1.00 | 12.4 | 11.8 | 2.8 | 1.3 | 10.2 | 1.73 | 0.0 | 49.5 % | 100.0 % | 37.4 % | 10.9 % | 1.2 % | 0.84 | 11.2 % | +6.1 % | 2.1 % | 25.7 % | -1.8 | 92.9 % | 0.0 % | 1.9 (14) |
| ABCB Ameris Bancorp | 07/27 | +59 % | 13 2/22 | Stage 2 | B +17 | 7 of 9 | 6.1 | Banks - Regional | – | — | — | Financial Services | 90.80 $ | +19.3 % | +18.6 % | +44.5 % | −0.8 % | +4.1 % | 66 | 70 | 2.2 % | 2.1 % | 0.92 | 14.3 | 12.7 | 3.6 | 1.5 | 12.1 | 1.10 | 0.0 | 49.4 % | 100.0 % | 37.1 % | 11.0 % | 1.6 % | 0.33 | 14.5 % | +2.0 % | 0.9 % | 12.6 % | -1.2 | 98.4 % | 5.1 % | 1.2 (6) |
| THG The Hanover Insurance Group Inc | 07/29 | +34 % | 79 7/22 | Stage 2 | B +24 | 6 of 9 | 7.0 | Insurance - Property & Casua | – | — | — | Financial Services | 214.40 $ | +14.8 % | +16.4 % | +25.8 % | −2.6 % | -0.6 % | 64 | 77 | 2.3 % | 2.3 % | 0.29 | 10.7 | 12.6 | 1.1 | 2.1 | 5.6 | 0.34 | 0.0 | 14.6 % | 24.8 % | 10.8 % | 21.8 % | 3.8 % | 0.24 | 21.6 % | +6.1 % | 1.7 % | 18.3 % | 5.5 | 92.0 % | 3.6 % | 1.4 (7) |
| FCF First Commonwealth Financial | 08/04 | +25 % | 6 1/22 | Stage 2 | B +13 | 8 of 9 | 2.1 | Banks - Regional | – | — | — | Financial Services | 20.90 $ | +20.4 % | +19.7 % | +31.3 % | −0.1 % | +3.5 % | 64 | 62 | 1.9 % | 1.9 % | 0.73 | 13.5 | 11.7 | 2.8 | 1.3 | 10.2 | 1.46 | 0.0 | 41.9 % | 100.0 % | 31.7 % | 10.5 % | 1.3 % | 0.13 | 12.7 % | +4.3 % | 2.7 % | 34.7 % | 3.9 | 79.0 % | 3.5 % | 1.5 (6) |
| UBSI United Bankshares Inc | 07/23 | +25 % | 1 0/22 | Stage 2 | B +21 | 9 of 9 | 6.4 | Banks - Regional | – | — | — | Financial Services | 47.20 $ | +20.1 % | +17.7 % | +32.1 % | −0.5 % | +3.6 % | 63 | 78 | 1.8 % | 1.9 % | 0.73 | 12.9 | 13.6 | 3.5 | 1.2 | 12.1 | 1.95 | 0.0 | 52.1 % | 100.0 % | 41.0 % | 9.3 % | 1.5 % | 0.23 | 16.3 % | +12.3 % | 3.3 % | 42.3 % | 4.8 | 75.4 % | 4.3 % | 1.8 (6) |
| SIGI Selective Insurance Group, Inc. | 07/22 | +1 % | 38 4/22 | Stage 2 | C +4 | 6 of 9 | 5.7 | Insurance - Property & Casua | – | — | — | Financial Services | 96.70 $ | +13.9 % | +16.7 % | +11.3 % | −1.9 % | -2.2 % | 63 | 27 | 2.3 % | 2.5 % | 0.29 | 13.2 | 12.2 | 1.0 | 1.7 | 5.0 | 0.28 | 0.0 | 10.1 % | 21.7 % | 8.4 % | 13.3 % | 2.7 % | 0.25 | 23.4 % | +9.8 % | 1.7 % | 22.8 % | 5.0 | 87.7 % | 3.0 % | 1.7 (7) |
| WTFC Wintrust Financial Corporation | 07/20 | +47 % | 4 1/22 | Stage 2 | B +19 | 7 of 9 | 10.9 | Banks - Regional | – | — | — | Financial Services | 163.70 $ | +13.4 % | +12.4 % | +32.5 % | −0.9 % | +8.5 % | 62 | 65 | 2.1 % | 2.2 % | 0.84 | 13.5 | 13.1 | 2.5 | 1.6 | 6.5 | 1.17 | 0.0 | 46.3 % | 100.0 % | 32.0 % | 12.3 % | 1.3 % | 0.59 | 10.2 % | +6.7 % | 1.3 % | 17.1 % | -0.2 | 98.1 % | 3.9 % | 1.2 (13) |
| FNB F.N.B. Corp | 07/16 | +29 % | 1 0/22 | Stage 2 | B +23 | 8 of 9 | 6.6 | Banks - Regional | – | — | — | Financial Services | 18.80 $ | +11.3 % | +10.5 % | +38.2 % | −0.9 % | +8.4 % | 62 | 65 | 2.0 % | 2.0 % | 0.86 | 11.9 | 10.2 | 2.4 | 1.0 | 14.2 | 1.05 | 0.0 | 41.9 % | 100.0 % | 34.1 % | 8.9 % | 1.2 % | 0.61 | 13.4 % | +4.9 % | 2.7 % | 29.7 % | 3.4 | 89.5 % | 11.0 % | 1.0 (9) |
| CUBI Customers Bancorp, Inc. | 07/23 | +59 % | 28 3/22 | Stage 2 | B +31 | 6 of 9 | 2.7 | Banks - Regional | – | — | — | Financial Services | 76.80 $ | +6.4 % | +3.5 % | +45.9 % | −3.8 % | +16.3 % | 62 | 95 | 2.7 % | 2.7 % | 1.49 | 10.2 | 10.4 | 1.8 | 1.3 | 9.1 | 1.18 | 0.0 | 48.7 % | 100.0 % | 34.8 % | 14.0 % | 1.2 % | 0.89 | 8.3 % | +3.9 % | 0.0 % | 0.0 % | 3.7 | 102.1 % | 10.1 % | 1.5 (8) |
| MTB M&T Bank Corporation | 07/15 | +40 % | 1 0/22 | Stage 2 | C +10 | 7 of 9 | 34.1 | Banks - Regional | – | — | — | Financial Services | 249.40 $ | +16.4 % | +17.0 % | +26.8 % | −0.9 % | -0.3 % | 61 | 68 | 1.9 % | 2.0 % | 0.57 | 13.3 | 12.8 | 2.8 | 1.4 | 10.5 | 1.54 | 0.0 | 38.9 % | 100.0 % | 31.5 % | 10.3 % | 1.4 % | 0.98 | 13.0 % | -8.2 % | 2.5 % | 33.6 % | 0.3 | 93.1 % | 4.9 % | 1.5 (21) |
| ONB Old National Bancorp | 07/28 | +36 % | 1 0/22 | Stage 2 | B +21 | 5 of 9 | 10.0 | Banks - Regional | – | — | — | Financial Services | 26.50 $ | +15.6 % | +14.0 % | +25.7 % | −1.1 % | +9.0 % | 61 | 73 | 2.0 % | 2.1 % | 0.83 | 13.3 | 9.9 | 2.5 | 1.2 | 13.3 | 1.59 | 0.0 | 51.3 % | 100.0 % | 30.3 % | 10.1 % | 1.2 % | 0.92 | 11.7 % | +25.5 % | 2.2 % | 24.5 % | -1.2 | 98.4 % | 7.2 % | 1.3 (11) |
| RF Regions Financial Corporation | 07/17 | +33 % | 12 2/22 | Stage 2 | C +9 | 7 of 9 | 25.6 | Banks - Regional | – | — | — | Financial Services | 31.10 $ | +10.2 % | +11.3 % | +35.5 % | −4.9 % | +3.2 % | 60 | 67 | 2.1 % | 2.3 % | 1.01 | 12.5 | 11.6 | 2.7 | 1.5 | 13.1 | 1.91 | 0.0 | 40.1 % | 100.0 % | 31.0 % | 11.9 % | 1.4 % | 0.49 | 11.7 % | +2.5 % | 3.5 % | 43.8 % | 3.8 | 86.3 % | 8.4 % | 1.8 (21) |
| FAF First American Corporation | 07/22 | +13 % | 68 6/22 | Stage 2 | B +24 | 6 of 9 | 6.6 | Insurance - Specialty | – | — | — | Financial Services | 71.70 $ | +14.9 % | +14.0 % | +15.4 % | −8.5 % | +30.3 % | 58 | 82 | 2.9 % | 2.5 % | 1.25 | 10.3 | 10.1 | 1.1 | 1.2 | 8.0 | 2.98 | 0.0 | 11.1 % | 63.9 % | 8.7 % | 12.8 % | 4.0 % | 0.48 | 30.6 % | +21.6 % | 3.2 % | 33.6 % | — | 97.9 % | 6.5 % | 1.3 (4) |
| NBTB NBT Bancorp Inc | 07/27 | +22 % | 5 1/22 | Stage 2 | B +21 | 7 of 9 | 2.5 | Banks - Regional | – | — | — | Financial Services | 52.30 $ | +17.8 % | +17.1 % | +23.7 % | −0.5 % | +2.3 % | 57 | 70 | 2.4 % | 2.2 % | 0.49 | 14.0 | 13.2 | 2.7 | 1.3 | 10.7 | 2.66 | 0.0 | 40.6 % | 100.0 % | 26.4 % | 10.5 % | 1.2 % | 0.08 | 11.8 % | +10.4 % | 3.0 % | 42.2 % | 3.8 | 65.5 % | 4.0 % | 1.5 (6) |
| TOL Toll Brothers Inc | 08/18 | +35 % | 42 6/31 | Stage 2 | C -6 | 5 of 9 | 15.1 | Residential Construction | – | — | — | Consumer Cyclical | 146.90 $ | +12.1 % | +18.6 % | +44.3 % | −3.7 % | +1.7 % | 56 | 22 | 4.2 % | 3.7 % | 1.33 | 12.5 | 11.4 | 1.4 | 1.8 | 12.5 | 1.05 | 9.7 | 15.1 % | 25.2 % | 11.7 % | 15.7 % | 7.5 % | 0.35 | 58.3 % | +1.1 % | 0.7 % | 7.7 % | 12.1 | 92.6 % | 6.0 % | 1.4 (19) |
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Frequently Asked Questions
Graham's criteria for the defensive investor ("The Intelligent Investor"), applied to the available dataset: adequate size (market cap ≥ $2B), solid financing (debt ratio ≤ 1), earnings stability (positive earnings per share in every available quarter) and earnings growth (most recent quarter above the oldest), P/E ≤ 15, plus the Graham Number: P/E × P/B ≤ 22.5.
All scanners are recalculated daily across the entire stock universe — most recently on 21. July 2026. The data basis is fundamental data and SEC filings (10-K annual reports and 10-Q quarterly reports).
Currently, 53 stocks pass this scanner's criteria (as of 21. July 2026). The 25 strongest hits are shown.
No global trading filters — this strategy checks the entire stock universe purely against its own criteria (mega caps over $50B included).
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Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.