If you're looking for stable investment options, bank stocks are a top choice for many people. However, "how to buy" is not something to do casually; you need to understand the characteristics of bank stocks and learn the stock selection logic to truly benefit from them. This article guides you from zero to understanding the complete process of selecting, categorizing, and allocating bank stocks.
Why are bank stocks worth considering now?
As we enter 2026, the market environment has shown a clear shift. In recent years, technology stocks have led the market for a long time, with P/E ratios exceeding 25 times, while most bank stocks still have P/E ratios in the 10-15 times range, making their valuations relatively moderate.
At the same time, signs of a soft landing for the global economy are becoming increasingly clear, and capital is gradually flowing from high-valued tech stocks to value stocks with stable profits and strong dividend-paying ability. Instead of putting money in bank fixed deposits earning only 2%, it might be better to turn to financial assets like bank stocks, which often have an annual dividend yield of 5-7%, while still retaining the potential for stock price appreciation.
Moreover, the banking industry and economic fundamentals