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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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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.
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.
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
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 |
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.
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 | $46.2B | 18.1× | — | 3.3× | 7.3% | — | 21.1% | 10.6% | 10.6% | — | 388 |
| NTRS | $30.6B | 19.4× | — | 3.8× | -2.5% | — | 21.5% | 13.4% | 13.4% | — | 272 |
| CFG | $26.7B | 16.5× | — | 3.2× | 5.6% | — | 22.2% | 7.0% | 4.9% | — | 319 |
| FCNCA | $26.1B | 14.2× | — | 2.7× | -2.2% | — | 23.1% | 9.9% | 3.8% | — | 162 |
| ALLY | $11.6B | 16.1× | — | 1.5× | -3.3% | — | 10.8% | 5.5% | 2.5% | — | 140 |
| UCB | $4.4B | 14.0× | — | 4.1× | 11.7% | — | 30.9% | 9.0% | 8.5% | — | 84 |
| FBP | $4.0B | 12.2× | — | 3.1× | 2.4% | — | 27.5% | 17.5% | 15.3% | — | 67 |
| FHB | $3.1B | 11.4× | — | 3.5× | 8.9% | — | 31.4% | 10.0% | 10.0% | — | 74 |
| BUSE | $2.4B | 19.6× | — | 3.3× | 55.7% | — | 18.8% | 5.5% | 5.5% | — | 61 |
| GABC | $1.8B | 16.0× | — | 3.8× | 37.8% | — | 23.1% | 9.7% | 8.9% | — | 39 |
| PEBO | $1.4B | 12.9× | 12.8× | 16.0× | 2.3% | — | — | 8.8% | 5.8% | 3.1× | 41 |
| UVSP | $1.1B | 12.7× | — | 3.3× | 9.6% | — | 27.7% | 9.6% | 9.4% | — | 49 |
| FMNB | $927M | 10.8× | — | 3.3× | 3.9% | — | 19.5% | 11.2% | 6.4% | — | 33 |
| WASH | $736M | 14.2× | — | 3.2× | 128% | — | 22.8% | 9.6% | 9.6% | — | 39 |
| ACNB | $665M | 18.2× | — | 3.5× | 45.1% | — | 19.3% | 8.8% | 5.0% | — | 22 |
| COFS | $529M | 17.6× | — | 2.3× | 63.6% | — | 12.4% | 6.1% | 6.1% | — | 23 |
| CFFI | $357M | 13.2× | — | 2.5× | 10.6% | — | 19.1% | 10.3% | 9.5% | — | 11 |
| MYFW | $303M | 23.1× | — | 3.1× | 7.6% | — | 13.6% | 5.0% | 5.0% | — | 17 |
| MNSB | $152M | 12.1× | — | 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.
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
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.
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.
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 $38.17, free cash flow must compound -12.62%/yr for 10 years. It has done -1.37%/yr over 6 years.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2020 | −7.7% | −12.6% |
| FY2021 | 8.1% | −12.6% |
| FY2022 | 54.6% | −12.6% |
| FY2023 | −27.1% | −12.6% |
| FY2024 | −0.6% | −12.6% |
| FY2025 | −17.6% | −12.6% |
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 |
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.