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OLD YORK FINANCIAL™
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OLD YORK FINANCIAL™
ABOUT RATINGS
RATINGS DIRECTORY
OLD YORK ADVISORY™
OLD YORK CAPITAL PARTNERS™
MERGERS & ACQUISITIONS
CONTACT US
ABOUT RATINGS
RATINGS DIRECTORY
OLD YORK ADVISORY™
OLD YORK CAPITAL PARTNERS™
MERGERS & ACQUISITIONS
CONTACT US

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Industry
  • Aerospace & Defense 12
  • Analytics 7
  • Apparel 2
  • Bank 14
  • Beverages 3
  • Car Manufacturing 7
  • Chemicals 3
  • Commercial & Professional Services 1
  • Communication Services 1
  • Consumer Defensive 10
  • Consumer Discretionary 18
  • Credit Services 1
  • Cybersecurity 3
  • Data 6
  • Energy 12
  • Entertainment 4
  • Exchanges 5
  • Farm & Heavy Construction Machinery 2
  • Financial 29
  • Food Processing 1
  • Grocery Store 2
  • Hardware 18
  • Healthcare 6
  • Holding Company 5
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  • Indexes 2
  • Industrial 36
  • Information Technology 16
  • Insurance 6
  • Investment Banking 4
  • Logistics 8
  • Luxury 6
  • Market Infrastructure 7
  • Materials 6
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  • Oil & Gas 12
  • Payment 3
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  • Pharmaceuticals 4
  • Railroad 5
  • Ratings 3
  • Real Estate 5
  • Restaurants 4
  • Retail 16
  • SaaS 8
  • Semi-Conductors 17
  • Software 4
  • Technology 39
  • Telecommunications 11
  • Trade Distributors 4
Ratings
  • A 47
  • AA 53
  • AAA 23
  • B 13
  • BB 5
  • BBB 27
  • C 1
  • Pending / Speculative 2
Royal Bank of Canada (RY) receives Old York Operational Quality (AA) Rating for fiscal year 2025
Financial, Bank, Wealth Management Old York GP inc . 2026-02-28 Financial, Bank, Wealth Management Old York GP inc . 2026-02-28

Royal Bank of Canada (RY) receives Old York Operational Quality (AA) Rating for fiscal year 2025

Old York Financial assigns RBC (RY) an (AA) Operational Quality Rating for 2025. Review our principal-led forensic diagnostic on RBC’s $20.9B adjusted income and HSBC Canada integration.

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TD Bank Group (TD) receives Old York Operational Quality (BBB) Rating for fiscal year 2025
Financial, Bank, Wealth Management Old York GP inc . 2026-02-28 Financial, Bank, Wealth Management Old York GP inc . 2026-02-28

TD Bank Group (TD) receives Old York Operational Quality (BBB) Rating for fiscal year 2025

Old York Financial assigns TD Bank (TD) a (BBB) Operational Quality Rating for fiscal year 2025. Review our forensic diagnostic on TD’s $15B adjusted net income, 14.7% CET1, and U.S. asset cap impact.

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Bank of Montreal (BMO) receives Old York Operational Quality (A) Rating for fiscal year 2025
Financial, Bank, Wealth Management Old York GP inc . 2026-02-28 Financial, Bank, Wealth Management Old York GP inc . 2026-02-28

Bank of Montreal (BMO) receives Old York Operational Quality (A) Rating for fiscal year 2025

Old York Financial assigns Bank of Montreal (BMO) an (A) Operational Quality Rating for 2026. Review our forensic diagnostic on BMO's 13.1% ROE, U.S. banking momentum, and record revenue growth.

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National Bank of Canada (NA) receives Old York Operational Quality (A) Rating for fiscal year 2025
Financial, Bank, Wealth Management Old York GP inc . 2026-02-28 Financial, Bank, Wealth Management Old York GP inc . 2026-02-28

National Bank of Canada (NA) receives Old York Operational Quality (A) Rating for fiscal year 2025

Old York Financial assigns National Bank of Canada (NA) an (A) Operational Quality Rating for 2026. Review our diagnostic on the CWB acquisition, 16.6% adjusted ROE, and specialized finance growth.

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Canadian Imperial Bank of Commerce (CM) receives Old York Operational Quality (A) Rating for fiscal year 2025
Financial, Bank, Wealth Management Old York GP inc . 2026-02-28 Financial, Bank, Wealth Management Old York GP inc . 2026-02-28

Canadian Imperial Bank of Commerce (CM) receives Old York Operational Quality (A) Rating for fiscal year 2025

Old York Financial assigns CIBC (CM) an (A) Operational Quality Rating for 2026. Review our principal-led forensic diagnostic on CIBC’s 20.2% RoE, AI efficiency gains, and U.S. wealth expansion.

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The Bank of Nova Scotia (BNS) receives Old York Operational Quality (BBB) Rating for fiscal year 2025
Financial, Bank, Wealth Management Old York GP inc . 2026-02-28 Financial, Bank, Wealth Management Old York GP inc . 2026-02-28

The Bank of Nova Scotia (BNS) receives Old York Operational Quality (BBB) Rating for fiscal year 2025

Old York Financial assigns Scotiabank (BNS) a (BBB) Operational Quality Rating for 2025. Analysis of Scotiabank’s strategic exit from Colombia, its $2.8B LatAm earnings, and North American growth.

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HSBC Holdings plc (HSBC) receives Old York Operational Quality (A) Rating for fiscal year 2025
Financial, Bank, Wealth Management Old York GP inc . 2026-02-28 Financial, Bank, Wealth Management Old York GP inc . 2026-02-28

HSBC Holdings plc (HSBC) receives Old York Operational Quality (A) Rating for fiscal year 2025

Old York Financial assigns HSBC an (A) Operational Quality Rating for 2025. Review our principal-led forensic diagnostic on HSBC's 17.2% RoTE, Asian wealth dominance, and organizational simplification.

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Citigroup Inc. (C) receives Old York Operational Quality (BB) Rating for fiscal year 2025
Financial, Bank, Wealth Management Old York GP inc . 2026-02-28 Financial, Bank, Wealth Management Old York GP inc . 2026-02-28

Citigroup Inc. (C) receives Old York Operational Quality (BB) Rating for fiscal year 2025

Old York Financial assigns Citigroup (C) a (BB) Operational Quality Rating for 2025. Explore our principal-led forensic diagnostic on Citi’s transformation, efficiency ratio, and "Repair Shop" status.

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Bank of America Corporation (BAC) receives Old York Operational Quality (A) Rating for fiscal year 2025
Bank, Wealth Management Old York GP inc . 2026-02-27 Bank, Wealth Management Old York GP inc . 2026-02-27

Bank of America Corporation (BAC) receives Old York Operational Quality (A) Rating for fiscal year 2025

Old York Financial issues a (A) Quality Rating for Bank of America (BAC). A diagnostic of 15.4% ROTCE, $31.9B Owner Earnings, and the "Erica" AI efficiency flywheel. The Consumer Titan analysis.

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Wells Fargo & Company (WFC) receives Old York Operational Quality (BBB) Rating for fiscal year 2025
Bank, Investment Banking, Wealth Management, Financial Old York GP inc . 2026-02-27 Bank, Investment Banking, Wealth Management, Financial Old York GP inc . 2026-02-27

Wells Fargo & Company (WFC) receives Old York Operational Quality (BBB) Rating for fiscal year 2025

Old York Financial issues a (BBB) Quality Rating for Wells Fargo (WFC). A diagnostic of the 15% ROTCE, $20.2B Owner Earnings, and the post-asset cap expansion. The Recovery Machine analysis.

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The Morgan Stanley Group Inc. (MS) receives Old York Operational Quality (AA) Rating for fiscal year 2025
Bank, Investment Banking, Wealth Management, Financial Old York GP inc . 2026-02-27 Bank, Investment Banking, Wealth Management, Financial Old York GP inc . 2026-02-27

The Morgan Stanley Group Inc. (MS) receives Old York Operational Quality (AA) Rating for fiscal year 2025

Old York Financial assigns a (AA) Quality Rating to Morgan Stanley (MS). A forensic diagnostic of 21.6% ROTCE, 68% efficiency, and the $11B Owner Earnings flywheel. The benchmark for the Integrated Firm.

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The Goldman Sachs Group, Inc. (GS) receives Old York Operational Quality (A) Rating for fiscal year 2025
Bank, Investment Banking, Wealth Management, Financial Old York GP inc . 2026-02-27 Bank, Investment Banking, Wealth Management, Financial Old York GP inc . 2026-02-27

The Goldman Sachs Group, Inc. (GS) receives Old York Operational Quality (A) Rating for fiscal year 2025

Old York Financial issues a (A) Quality Rating for Goldman Sachs (GS). A forensic diagnostic of 15% ROE, 60% efficiency, and the $12.8B Owner Earnings velocity. Read the Private Principal Research Report.

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JPMorgan Chase & Co. (JPM) receives Old York Operational Quality (AA) Rating for fiscal year 2025
Bank, Financial, Investment Banking, Wealth Management Old York GP inc . 2026-02-27 Bank, Financial, Investment Banking, Wealth Management Old York GP inc . 2026-02-27

JPMorgan Chase & Co. (JPM) receives Old York Operational Quality (AA) Rating for fiscal year 2025

Old York Financial issues a (AA) Quality Rating for JPMorgan (JPM). A forensic diagnostic of 31.1% profit margins, 20% ROTCE, and the $17B tech moat. Read the Private Principal Research Report.

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American Express Co. (AXP) receives Old York Operational Quality (AA) Rating for fiscal year 2025
Financial, Payment, Bank Old York GP inc . 2026-02-24 Financial, Payment, Bank Old York GP inc . 2026-02-24

American Express Co. (AXP) receives Old York Operational Quality (AA) Rating for fiscal year 2025

American Express (AXP) 2025 Analysis: Why the 'Vertical Monopoly' earns an Old York Fortress (AA) Rating. A principal’s deep dive into 18.5% ROIC, Gen Z adoption, and why credit risk separates Amex from Sovereign AAA giants like Visa.

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Prince Edward County, Ontario

info@Oldyorkfinancial.com

Community Investor Prince Edward County Chamber of Commerce

Private Capital, Operational Advisory, Mergers and Acquisitions

Old York Financial is a boutique merchant house and private investment firm. We are not a bank, nor do we provide public securities advice or retail financial planning. All engagements are principal-to-principal.

Old York Financial operates both a corporate advisory practice and a principal investment platform.


We are not a licensed securities broker-dealer, Exempt Market Dealer (EMD), or Investment Fund Manager (IFM).


We do not sell securities to the public. All advisory and transaction services are provided on a non-brokerage basis.

Any capital commitments or investment participation by Old York Capital Partners are made as a principal under applicable private-market exemptions. Participation by outside investors is by invitation only and limited to accredited or otherwise exempt investors who complete required subscription and verification documents. Securities issued in private transactions may be subject to resale restrictions.

Nothing on this website constitutes an offer to sell or solicitation to buy securities. All information is for general purposes only and is contingent on investors and clients obtaining independent legal, tax, and financial advice.

Old York Financial is a premier investment company Mergers & Acquisitions and Corporate Advisory firm serving Prince Edward County (Picton, Bloomfield, Wellington), Belleville, Trenton, and the Bay of Quinte.

"Old York Financial is an independent advisory firm and is not affiliated with, endorsed by, or a representative of Schroders plc or its subsidiaries."

2025 Old York Financial Inc., Old York Advisory, Old York Capital Partners. All rights reserved.

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