3 Financial Stocks That Could Gain From Higher US Interest Rates

Higher Fed rate hike odds after hotter August inflation and firm payrolls data have pushed borrowing costs back into the spotlight, and large U.S. banks and brokers are right in the crosshairs. That mix of pressure on borrowers and richer yields on loans is reshaping where money could work harder and where it may struggle. This article walks through three U.S. large-cap financial stocks exposed to this rate shock and explains why they deserve a closer look now.

The three stocks profiled below are only a starter pack. The full screen surfaced 35 more large U.S. banks, brokers, and asset managers with equally compelling interest rate stories that are not covered here. To go deeper, identify your own front runners, and analyze how they stack up, head straight into the U.S. Large-Cap Financials (Banks and Brokers) Benefiting from Higher Interest Rates screener.

Amerant Bancorp (AMTB)

Overview: Amerant Bancorp is a Florida based bank holding company that focuses on U.S. lending and deposit services closely tied to interest rates.

Operations: Amerant Bancorp generates about US$391 million in revenue from banking activities, mainly traditional lending and deposit services.

Market Cap: US$1.1 billion

Amerant Bancorp operates in line with the higher rate theme of this screener, with a loan and deposit engine that can respond when funding costs stabilize and asset yields remain firm.

"Improvement in the net interest margin (NIM) and net interest income (NII), primarily resulting from higher yielding loan production and lower deposit costs, suggests enhanced profitability and operational efficiency, positively impacting earnings."

The key consideration is how that reset in profitability holds up if a single pressure point on credit quality moves in an unfavorable direction.

If that trade off worries you, read the full narrative for Amerant Bancorp to see how Amerant Bancorp’s risk profile and rate exposure could be quietly accelerating or stalling value.

CVB Financial (CVBF)

Overview: CVB Financial is a California based regional bank holding company that earns most of its money from interest driven business and consumer banking.

Operations: CVB Financial generates about US$572 million in revenue from banking activities across the United States, primarily traditional lending and deposit services.

Market Cap: US$4.0 billion

CVB Financial is one of the purest higher for longer stories in this screen, because its regional banking engine leans heavily on net interest income and funding discipline rather than trading or fee heavy businesses.

"Growth in noninterest-bearing core deposits, bolstered by ongoing business formation in California's Inland Empire and Central Valley, positions CVB Financial to maintain low funding costs and support stable net interest margins and earnings growth as these markets expand."

The bigger swing factor is how one pressure point on funding costs eventually settles against that earnings path investors are counting on.

That funding question is exactly what the full narrative for CVB Financial unpacks, showing where CVB Financial’s earnings engine could be quietly accelerating or where risks might be masking future strength.

Blue Owl Capital (OWL)

Overview: Blue Owl Capital is a U.S. alternative asset manager that arranges private credit and real asset financing for middle market borrowers.

Operations: Blue Owl Capital generates about US$3.0b in asset management services revenue, with all reported income sourced from the United States.

Market Cap: US$16.3b

Where banks in this screen focus on loan books, Blue Owl Capital leans on fee income from private credit and real asset funds. These can become more attractive when higher rates support richer yields.

"Significant ongoing growth in permanent capital vehicles, particularly through expansion in private credit, real assets, and evergreen/interval fund strategies, is providing stable and recurring management fee revenue and positioning Blue Owl for higher future earnings and durable margin expansion."

What matters now is how one less visible funding pressure ultimately shapes the pricing power and profitability behind those fee streams.

That funding pressure is the real hinge for Blue Owl Capital’s story, so read the full narrative for Blue Owl Capital to see how pricing power and fee growth could be quietly accelerating.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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