United States state commercial banks industry landscape illustrating listed-company operations, infrastructure and market activity

Prism Finance USA · comparison snapshot

State Commercial Banks Stocks in USA: Revenue Cohort 3

Name: State Commercial Banks Stocks in USA: Revenue Cohort 3 comparison snapshot
Creator: Fliar BI Prism

A five-company state commercial banks cohort selected by latest filing revenue, then compared across market path, filings, profitability, readiness, Prism attention and industry context.

Snapshot: 31 August 2026Not investment adviceRanked by Prism readiness

Readiness leaderCathay General Bancorp · 43

Strongest available pathBank Of The James · +87.8%

Widest latest marginBusiness First Bank · 820.8%

Companies compared5 · U.S.-listed

01 · Readiness ranking

Five companies, one comparable score

Companies are ordered by the Fliar BI Prism readiness score used by the Prism Finance USA source pack. The score is a research signal, not a recommendation.

Readiness #1CATY · Nasdaq

Cathay General Bancorp

A U.S.-listed issuer classified by the SEC in State Commercial Banks

Founded 1962Brooklyn, New York$4.08B market cap

View full Companies Radar profile

43Cautious

Snapshot price$61.21as of page date

Monthly-close return+47.9%five-year window

FY2025 revenue$0.05BCATHAY GENERAL BANCORP

Net margin585.8%FY2025

P/E snapshot12.0xone ratio, not a verdict

Prism attention6.1%share across these five

Filing track recordRevenue, USD billions

+37.7%

FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR 8.3%

52-week position80% through range

$44.57$65.26

News mentions401

Community mentions0partial coverage

U.S.-scope patents0

Prism InsightsWhat sits behind the readiness signal
Observed risk 0/100higher means more observed risk

Earnings signal71/100
Management stability90/100
Market position6/100
Capital-event signal20/100
Innovation pulse0/100

Management signal

No leadership-churn flag in the model; 0 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 1 M&A involvements, 1 asset-acquisition events and 0 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #2BOTJ · Nasdaq

Bank Of The James

A U.S.-listed issuer classified by the SEC in State Commercial Banks

Founded 1999Lynchburg, Virginia$122.9M market cap

View full Companies Radar profile

36Cautious

Snapshot price$27.04as of page date

Monthly-close return+87.8%five-year window

FY2025 revenue$0.00BBANK OF THE JAMES FINANCIAL GROUP INC

Net margin211.1%FY2025

P/E snapshot10.7xone ratio, not a verdict

Prism attention1.4%share across these five

Filing track recordRevenue, USD billions

+71.2%

FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR 14.4%

52-week position82% through range

$14.29$29.79

News mentions90

Community mentions0partial coverage

U.S.-scope patents0

Prism InsightsWhat sits behind the readiness signal
Observed risk 0/100higher means more observed risk

Earnings signal64/100
Management stability90/100
Market position0/100
Capital-event signal0/100
Innovation pulse0/100

Management signal

No leadership-churn flag in the model; 3 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 0 M&A involvements, 0 asset-acquisition events and 0 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #3BFST · NASDAQ

Business First Bank

A U.S.-listed issuer classified by the SEC in State Commercial Banks

Founded 2006Baton Rouge$1.01B market cap

View full Companies Radar profile

36Cautious

Snapshot price$31.02as of page date

Monthly-close return+32.6%five-year window

FY2025 revenue$0.01BBusiness First Bancshares, Inc.

Net margin820.8%FY2025

P/E snapshot11.0xone ratio, not a verdict

Prism attention4.1%share across these five

Filing track recordRevenue, USD billions

+57.1%

FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR 12.0%

52-week position85% through range

$22.56$32.52

News mentions270

Community mentions0partial coverage

U.S.-scope patents0

Prism InsightsWhat sits behind the readiness signal
Observed risk 0/100higher means more observed risk

Earnings signal61/100
Management stability90/100
Market position5/100
Capital-event signal0/100
Innovation pulse0/100

Management signal

No leadership-churn flag in the model; 0 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 2 M&A involvements, 0 asset-acquisition events and 0 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #4CIVB · Nasdaq

First Citizens Bank

A U.S.-listed issuer classified by the SEC in State Commercial Banks

Founded 1898SANDUSKY$561.0M market cap

View full Companies Radar profile

36Cautious

Snapshot price$26.98as of page date

Monthly-close return+16.1%five-year window

FY2025 revenue$0.02BCIVISTA BANCSHARES, INC.

Net margin242.9%FY2025

P/E snapshot10.1xone ratio, not a verdict

Prism attention68.1%share across these five

Filing track recordRevenue, USD billions

-3.1%

FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR -0.8%

52-week position71% through range

$19.82$29.97

News mentions4.5K

Community mentions218partial coverage

U.S.-scope patents0

Prism InsightsWhat sits behind the readiness signal
Observed risk 0/100higher means more observed risk

Earnings signal53/100
Management stability90/100
Market position22/100
Capital-event signal0/100
Innovation pulse0/100

Management signal

No leadership-churn flag in the model; 2 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 8 M&A involvements, 2 asset-acquisition events and 1 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

No lawsuit or regulatory event is recorded in the latest 360-day window and no layoff event in the latest 180-day window. This is not legal clearance.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

Readiness #5MCB · U.S. exchange

Metropolitan Commercial Bank

A U.S.-listed issuer classified by the SEC in State Commercial Banks

Founded 1999New York City, New York$1.13B market cap

View full Companies Radar profile

25Avoid

Snapshot price$90.78as of page date

Monthly-close return+7.7%five-year window

FY2025 revenue$0.01BMetropolitan Bank Holding Corp.

Net margin643.2%FY2025

P/E snapshot11.6xone ratio, not a verdict

Prism attention20.3%share across these five

Filing track recordRevenue, USD billions

-52.3%

FY2021–FY2025 · 5 filing periods · TOTAL REVENUE · Normalized revenue metric from the in-house filings extraction · CAGR -16.9%

52-week position70% through range

$64.66$102.0

News mentions1.3K

Community mentions0partial coverage

U.S.-scope patents0

Prism InsightsWhat sits behind the readiness signal
Observed risk 10/100higher means more observed risk

Earnings signal40/100
Management stability90/100
Market position0/100
Capital-event signal0/100
Innovation pulse0/100

Management signal

No leadership-churn flag in the model; 3 key-person events recorded in the latest 360-day window.

Market activity

Available history contains 0 M&A involvements, 0 asset-acquisition events and 3 contract events.

Innovation activity

Prism records 0 lifetime product-launch events, 0 in the latest 360 days, and 0 company announcements in that window.

Recent risk watch

Recent available records contain 0 lawsuit, 4 regulatory and 0 layoff events across their stated windows.

Prism model components and available company-event evidence; scores are research signals, not recommendations. Event totals describe available coverage and may not be exhaustive.

02 · Side-by-side

The comparisons that change the picture

Every bar preserves its own meaning. Price return, revenue scale, profitability and attention are deliberately not blended into one recommendation.

Available monthly-close return

Dated window printed on each company card; not a forecast.

Bank Of The James

+87.8%

Cathay General Bancorp

+47.9%

Business First Bank

+32.6%

First Citizens Bank

+16.1%

Metropolitan Commercial Bank

+7.7%

Latest revenue

USD billions, official filing scope shown on each company card.

Cathay General Bancorp

$0.05B

First Citizens Bank

$0.02B

Business First Bank

$0.01B

Metropolitan Commercial Bank

$0.01B

Bank Of The James

$0.00B

Latest profit margin

Company-card labels distinguish continuing-operations and net-income scope.

Business First Bank

820.8%

Metropolitan Commercial Bank

643.2%

Cathay General Bancorp

585.8%

First Citizens Bank

242.9%

Bank Of The James

211.1%

Prism news attention

Normalized share across these five names; attention is not quality.

First Citizens Bank

68.1%

Metropolitan Commercial Bank

20.3%

Cathay General Bancorp

6.1%

Business First Bank

4.1%

Bank Of The James

1.4%

03 · Prism readout

What the signals say—and what they do not

The headline share is normalized state commercial banks news attention across these five names. Partial community coverage and U.S.-scope patent records are displayed separately and are not blended into it.

Scale + attention

First Citizens Bank leads the conversation

It holds 68.1% of measured state commercial banks news attention and also carries the basket's largest revenue base at $0.02B.

Price path

Bank Of The James leads the available price paths

Its monthly-close return is +87.8% for the five-year window. At the other end, Metropolitan Commercial Bank is +7.7% for its five-year window. Windows printed on each card must be compared carefully; price history is not a forecast.

Profitability

Business First Bank has the widest latest margin

Its FY2025 net margin is 820.8%. Its revenue history in this snapshot spans only the periods printed on its card, so longer histories are not treated as equivalent.

Price vs operating signals

First Citizens Bank shows why one ratio is not a verdict

It has the basket's lowest snapshot P/E at 10.1x while its five-year window price return is +16.1%. Valuation, price path and readiness answer different questions.

04 · Research areas

Deeper Prism readout where coverage is dense

Shown only for companies with more than 800 available Prism news records. Counts describe the available research corpus, not company quality.

Areas of research · CIVB

First Citizens Bank

4,461available Prism news records

Prism top themes

Price action & investor response

179

Capital allocation & transactions

Earnings & financial performance

Legal, arbitration & regulatory

Leadership & governance

Mapped subcategory tag occurrences; one article may contribute more than one tag. Since 2024-01-01.

News-volume growth

+6.5%627 latest 12m vs 589 prior 12m

Machine-classified coverage tone

82.5% positive-4.1 pp vs preceding four quarters

24Q3

24Q4

25Q1

25Q2

25Q3

25Q4

26Q1

26Q2

Tone of available coverage, not business performance or an investment outlook.

Frequent keywords

solar electricity generation 34solar pv 34stock performance 31community solar farms 26solar subscriptions 22solar cooperatives 22personalized offers banking 21financial report 19

Keyword tag occurrences in available Prism news records.

Coverage: 2010-01-05–2026-06-12 · trend and themes shown through 2026-06

Areas of research · MCB

Metropolitan Commercial Bank

1,328available Prism news records

Prism top themes

Price action & investor response

Earnings & financial performance

Capital allocation & transactions

Leadership & governance

Macro demand & rates

Mapped subcategory tag occurrences; one article may contribute more than one tag. Since 2024-01-01.

News-volume growth

+15.9%160 latest 12m vs 138 prior 12m

Machine-classified coverage tone

81.1% positive-9.3 pp vs preceding four quarters

24Q3

24Q4

25Q1

25Q2

25Q3

25Q4

26Q1

26Q2

Tone of available coverage, not business performance or an investment outlook.

Frequent keywords

financial report 18predictive banking 17digital banking innovations 17next-gen banking platforms 17stock performance 16cloud-based banking 16platform banking 16quarterly financials 15

Keyword tag occurrences in available Prism news records.

Coverage: 2014-10-10–2026-06-16 · trend and themes shown through 2026-06

05 · Community discussion

Common topics where conversation clears the gate

Shown only above 25 entity-matched mentions. Coverage is partial and topic counts exclude identified namesake noise.

CIVB

First Citizens Bank

218 mentions

Products, pricing and logistics

Stock and valuation

Workplace and hiring

Other company context

Partial entity-matched community coverage; namesake noise is excluded before topic aggregation. 218 records remained after filtering.

06 · Company event log

Common news types and recent highlights

Event patterns and selected recent headlines come from available Prism company-event records since 2023. Obvious forecast, holdings, duplicate and retrospective noise is filtered.

CATY

Cathay General Bancorp

through 2026-04-23

Earnings releases 15Company announcements 1Leadership changes 1

2026-04-23
Earnings releases
Cathay General Bancorp (NASDAQ:CATY) reported what management described as a “solid” start to 2026, posting first-quarter net income of $86.9 million and diluted earnings per share of $1.29.
2024-05-17
Leadership changes
Cathay General Bancorp (the “Company”, Nasdaq: CATY), the holding company for Cathay Bank (the “Bank”), elected two new members, Ann Yee Kono and Elizabeth Woo, to the Board of Directors of the Company and the Bank respectively at the Company Annual Stockholder’s Meeting on May 13, 2024, and the Bank’s Board of Directors meeting held yesterday.
2023-09-01
Company announcements
The constituents being removed from the S&P MidCap 400 will be added to the S&P SmallCap 600 replacing Trinseo (TSE), The Aaron’s Company (AAN), Netgear (NTGR), Coherus Biosciences (CHRS), 8X8 (EGHT), Office Properties Income Trust (OPI), AngioDynamics (ANGO), Vanda Pharmaceuticals (VNDA), Orion Office REIT (ONL), and Enanta Pharmaceuticals (ENTA) respectively.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

BOTJ

Bank Of The James

through 2026-02-04

Earnings releases 24Leadership changes 3

2026-02-04
Earnings releases
Fourth quarter net income was $2.72 million, compared to $1.62 million in the fourth quarter of 2024. Fourth quarter earnings per share were $0.60 compared to $0.36 in the fourth quarter of 2024.
2026-01-05
Leadership changes
Bank of the James Financial Group, Inc. (the "Company") (NASDAQ: BOTJ), the parent company of Bank of the James (the "Bank"), today announced the retirement of J. Todd Scruggs from the Boards of Directors of the Company and the Bank and from his executive roles, effective January 5, 2026.
2026-02-04
Earnings releases
Fourth quarter net income was $2.72 million, compared to $1.62 million in the fourth quarter of 2024.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

BFST

Business First Bank

through 2024-10-17

Leadership changes 2Earnings releases 1

2024-10-17
Leadership changes
b1BANK, the banking subsidiary of Business First Bancshares, Inc. (Nasdaq: BFST), announced today that N. Jerome “Jerry” Vascocu Jr. will be the bank’s new president, reporting to Jude Melville, who will retain the title of chairman and CEO.
2023-10-26
Earnings releases
In the third quarter we again delivered solid fundamental shareholder-oriented operating performance, said b1BANK President & CEO Jude Melville.
2023-11-02
Leadership changes
Jerry Vascocu, Chief Administrative Officer for b1BANK, the banking subsidiary of Business First Bancshares, Inc. (Nasdaq: BFST), announced the hire of Gerrit van de Wetering as Managing Director of Derivative Solutions.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

CIVB

First Citizens Bank

through 2025-10-22

M&A 5Earnings releases 3Asset acquisitions 2Business contracts 1Leadership changes 1

2025-10-22
Business contracts
In March, Cypress Creek received a US$133 million financing from First Citizens Bank for the Destiny Storage Project, another standalone BESS project in Harris County, Texas.
2025-10-16
M&A
BMO's plans involve selling about 13.7% of its existing U.S. branch footprint to First Citizens Bank.
2025-09-30
Leadership changes
First Citizens Bank has named two new Area Executives in South Carolina and Georgia.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

MCB

Metropolitan Commercial Bank

through 2026-04-20

Leadership changes 6Business contracts 3Regulatory 3

2026-04-20
Leadership changes
Jessica Raffo has joined the Bank as Vice President and Director of Association Banking for the Florida region
2025-12-17
Regulatory
MCB failed to maintain a viable anti-money laundering program and engaged in unsafe and unsound banking practices in its oversight of MovoCash, according to an investigation by the New York Department of Financial Services, which coordinated with the Fed.
2024-03-13
Business contracts
Automated Financial Systems, Inc. (AFS) announced that Metropolitan Commercial Bank (the “Bank”), is the latest bank to choose AFSVision as their modern commercial lending platform.

Prism company-event records; exact duplicates and evident forecast, holdings and retrospective noise are excluded.

07 · Industry landscape

State Commercial Banks Industry in USA

A bottom-of-page sector lens combining Prism's exact U.S. market-growth extraction with tightly matched U.S.-primary state commercial banks news. It adds context to the stock basket without turning industry signals into a recommendation.

Prism market forecast extraction

banking market

6 sources90.6% extraction confidence

2024 extracted base$35.41B

2035 extracted forecast$57.77B

Implied source CAGR4.5%

personalized experiencesincreased securityincreased use of AI

Multi-source card returned by Prism's /special_extraction market-growth service. Extracted geography mix: Global, Europe, U.S., United States. This is a dated market benchmark, not a forecast for the five-stock basket.

Prism news insights

U.S. State Commercial Banks news pulse

2,154,949available Prism news records

Latest 12m volume+12.3%949871 vs 845911 records

Positive classified tone48.1%+0.5 pp vs prior four quarters

24Q4

25Q1

25Q2

25Q3

25Q4

26Q1

26Q2

26Q3

Available U.S.-primary Prism records matching bank, commercial, state, banking. Metadata counts can overlap; coverage volume and tone are not measures of industry output.

Recurring Prism themes

administrative and political subdivisions

1,888,343

geographic naming conventions and etymology

57,813

central bank monetary policy announcements

22,879

interest rate decisions and impacts

22,866

controversial celebrity statements

21,530

federal reserve policy meeting summaries

19,654

Metadata occurrences; one record can contribute more than one theme.

Frequent industry keywords

states 1,888,383territories 1,888,248monetary easing 12,254monetary stance shift 11,803core inflation rate 10,158inflation outlook 8,595inflation breakdown 8,091state firearm statutes 7,758

Counts cover the matched industry corpus, not the broader company-news totals above.

Curated signal map

Opportunity and caution, side by side

Evidence prompts—not probabilities.

Opportunity · market driver

personalized experiences

6 forecast sources

A recurring driver in the extracted market evidence provides a measurable research thread for the sector.

Prism /special_extraction market-growth card

Opportunity · demand

administrative and political subdivisions

1,888,343 matched theme records

The largest current Prism news theme shows where sector attention and reported activity are concentrating.

Prism U.S. news metadata

Opportunity · innovation

Innovation and product activity

13,972 matched news records

Technology, product and R&D metadata provide an auditable view of the sector's innovation conversation.

Unique news records matching the curated innovation rule

Caution · market restraint

Economic-cycle exposure

65,900 macro/risk records

The extracted restraint and the measured macro-news pulse belong in the downside research frame.

Prism market-growth restraint plus U.S. news metadata

Caution · news pulse

Coverage growth can reverse

+12.3% news volume

The latest 12 months contain 949,871 matched records versus 845,911 in the previous window.

Available Prism coverage through 2026-05-28

Caution · sentiment

Classified tone is not demand

48.1% positive · +0.5pp

Machine-classified news tone is useful context, but it is not revenue, output or a return forecast.

Eight-quarter Prism sentiment series

Opportunity and caution cards are curated research prompts grounded in the counts shown; they are not probabilities, recommendations or forecasts. News coverage runs 2024-01-01–2026-05-28; the latest quarter may be partial.

Explore the broader U.S. industrial landscape →

08 · Scope and sources

How to read this snapshot

Basket and ranking

Five U.S.-listed issuers classified under SEC SIC 6022 (State Commercial Banks), selected as the first five names that pass all live publication gates from the latest filing revenue candidate pool ranked 11–18. Every candidate has complete cached readiness evidence. This is a research cohort, not a recommendation.

Companies are ordered by the Fliar BI Prism readiness score used by the Prism Finance USA source pack. The score is a research signal, not a recommendation.

Evidence used

Official annual filingsFY revenue history and latest profitability
U.S. exchange market snapshotDated price, 52-week range, P/E, market capitalisation and monthly-close return
Fliar BI PrismReadiness, company and industry news, community context and U.S.-scope patent records
Prism market-growth extractionDated third-party State Commercial Banks Industry in USA market benchmark with source-count, geography and confidence context

Important: Research and educational information only. Not investment advice, a recommendation, or a live-price service. Market figures are dated as of 31 August 2026.

09 · Final derived analysis

Conclusions, comparisons, anomalies, explanations and decisions

A final evidence-linked synthesis of the metrics already displayed above. Every named company opens its actual Companies Radar profile.

Conclusions

Cathay General Bancorp leads the readiness ranking

Its Prism readiness score is 43/100, the highest in this five-company comparison.

Open Cathay General Bancorp in Companies Radar

Scale and margin leadership sit with Cathay General Bancorp and Business First Bank

Cathay General Bancorp has the largest displayed latest revenue at $0.05B; Business First Bank has the widest displayed latest margin at 820.8%.

Open Cathay General Bancorp in Companies Radar Open Business First Bank in Companies Radar

Comparisons

Strongest versus weakest available price path

Bank Of The James is +87.8% for its five-year window; Metropolitan Commercial Bank is +7.7% for its five-year window.

Open Bank Of The James in Companies Radar Open Metropolitan Commercial Bank in Companies Radar

Largest versus smallest displayed revenue base

The latest displayed revenue ranges from $0.05B for Cathay General Bancorp to $0.00B for Bank Of The James. Entity and filing-period labels remain visible on the company cards.

Open Cathay General Bancorp in Companies Radar Open Bank Of The James in Companies Radar

Anomalies

First Citizens Bank has the widest attention-readiness rank gap

It ranks #1 by measured news attention (68.1%) and #4 by Prism readiness. The gap is a review flag, not evidence that either measure is wrong.

Open First Citizens Bank in Companies Radar

Metropolitan Commercial Bank shows a price-operating divergence to inspect

Its displayed filing-revenue change is -52.3% while its available monthly-close return is +7.7%. The signs differ, but the two measures cover different windows and do not establish causality.

Open Metropolitan Commercial Bank in Companies Radar

Explanations

Attention measures coverage volume, not quality

First Citizens Bank's 68.1% share says it appears most often in the matched Prism corpus. It does not score whether that coverage is favourable or whether the company is investable.

Open First Citizens Bank in Companies Radar

Different windows explain why signals can disagree

Revenue comes from the printed filing periods, price paths use the dated monthly-close windows, and Prism signals use their stated event windows. No causal attribution is made across them.

Research decisions

Verify the readiness leader in Companies Radar

Open Cathay General Bancorp's company profile and inspect the underlying management, market-activity, innovation and risk evidence before relying on the 43/100 score.

Open Cathay General Bancorp in Companies Radar

Stress-test the largest divergence before forming a view

Compare Metropolitan Commercial Bank's profile with Bank Of The James's profile, then reconcile the displayed filing and price windows. This is a next-research action, not a buy or sell decision.

Open Metropolitan Commercial Bank in Companies Radar Open Bank Of The James in Companies Radar

Method boundary: These are deterministic comparisons of the displayed snapshot fields. They flag relationships for further research, do not establish causality and are not investment recommendations.