The new 530A “Trump Accounts” for children are already drawing in millions of families, and that sudden wave of fresh savings has big implications for financial services stocks. With more than 6,000,000 children signed up and up to $5,000 a year per child flowing into investment style products, some companies could see meaningful new account openings, asset inflows and fee opportunities, while others tied to tax preparation may face slower demand. This article looks at three stocks from the Financial Services and Asset Management for Children and Families screener that appear closely exposed to this policy shift.

FirstSun Capital Bancorp (FSUN)

Overview: FirstSun Capital Bancorp is a Denver based bank holding company for Sunflower Bank, providing a broad mix of commercial and consumer banking, mortgages, and wealth management services to small and mid sized businesses and families across Texas, Kansas, Colorado, New Mexico, Arizona, California, and Washington.

Operations: FirstSun generates about US$324.6 million from Banking and US$83.2 million from Mortgage Operations, with total revenue of roughly US$404.0 million coming entirely from the United States.

Market Cap: US$1.8b

FirstSun Capital Bancorp may be worth a closer look for investors following the development of family savings products, including new 530A “Trump Accounts,” that could channel funds into a full service regional bank focused on relationship banking across Sun Belt and California markets. The stock trades below some fair value estimates, while a recent P/E premium to peers and past shareholder dilution highlight important trade offs. High quality earnings, expanding fee income from wealth and mortgage services, and governance questions around an inexperienced board together create a bank where both the potential opportunities and the risks are significant considerations.

FirstSun Capital Bancorp’s combination of solid fee income and a P/E premium, alongside governance questions, creates exactly the kind of tension investors often misread. To understand the full picture, walk through the 3 key rewards and 1 important major warning sign

Columbia Financial (CLBK)

Overview: Columbia Financial is a New Jersey based bank holding company for Columbia Bank, offering a wide range of loans, deposit accounts, wealth management and cash management services to households and businesses, with a particular focus on families and local communities.

Operations: Columbia Financial generates about US$259.2 million in revenue from financial services, all from the United States.

Market Cap: US$2.2b

Columbia Financial provides exposure to a traditional community focused bank that is starting to show renewed earnings strength at a time when new child focused savings products like 530A “Trump Accounts” could push more family deposits into the system. The company has recently turned profitable again and analysts expect strong growth in both earnings and revenue, although a P/E of 39.1x and a modest 4.8% return on equity raise fair questions about how much optimism is already reflected in the price. When you add in its mutual to stock conversion, its merger process with Northfield Bancorp and its broad menu of retail savings products, you have a bank where long term growth potential and valuation risk sit side by side for investors to weigh carefully.

Columbia Financial’s renewed profitability with a 39.1x P/E suggests investors may be pricing in more than the headline numbers reveal, and the full story sits inside the analyst forecasts for Columbia Financial

Beacon Financial (BBT)

Overview: Beacon Financial is a Boston based bank holding company for Beacon Bank & Trust, offering deposits, mortgages, commercial loans, specialty equipment and SBA financing, along with cash management, trust and investment advisory services for individuals, families, businesses, endowments and foundations in the United States and abroad.

Operations: Beacon Financial generates about US$632.9 million from banking activities, all from the United States.

Market Cap: US$2.63b

Beacon Financial may be of interest to investors looking at child focused savings because it combines a large national retail footprint, a broad range of family banking and wealth products, and earnings and revenue growth forecasts that outpace the broader US market and banks sector. The launch of 530A “Trump Accounts” could be relevant to its consumer savings and investment platform, while index inclusions, a dividend, and a share repurchase program indicate increasing market attention and capital return. At the same time, a relatively high P/E, one off losses, rising net charge offs and a young management team mean execution and credit quality are important considerations, and the balance of growth potential against these risks is a key aspect of the Beacon Financial story.

Beacon Financial’s earnings and revenue growth forecasts and capital return plans could be masking a more complex story that investors have not fully priced in yet. The real twist sits inside the analyst forecasts for Beacon Financial

The three stocks in this article are just a starting point, and the full Financial Services and Asset Management for Children and Families screener surfaces 39 more companies with equally interesting family focused financial stories that you have not seen yet. Use Simply Wall St to identify and analyze the specific catalysts and narratives that matter to you, so you can filter for opportunities across this corner of financial services.

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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.