Verdicts genuinely change. Free email alert the moment IAT's does — no target price to set, unlike "Alert" above.
Whether this fund clears the published standards, and the filings behind that answer. The screen runs first and nothing on the trading side can override it.
Structure, momentum, positioning and levels. Separate from the Sharia verdict above, which this side never overrides.
iShares U.S. Regional Banks ETF ETF · iShares Trust
33 holdings · as of 2026-06-30 (3.7 months ago) The fund may have traded since. SEC Form N-PORT is filed quarterly and lags the period it covers, so these are the most recent holdings on file, not the fund’s holdings today.
NON-COMPLIANT 91.43% of portfolio weight is in non-compliant holdings, over the 5% threshold.
33 holdings, 26 matched (92% of weight). Portfolio as of 2026-06-30, filed 2026-08-24. Source: SEC Form N-PORT.
0.0% compliant 0.0% questionable 91.4% non-compliant 8.3% unscreened
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| PNC THE PNC FINANCIAL SERVICES GROUP, INC. | NON_COMPLIANT | 14.94% | AAOIFI87.5% Usmani13.9% Dow Jones Islamic110.0% S&P Shariah122.6% MSCI Islamic13.9% MSCI Islamic M-Series122.6% FTSE Shariah13.9% |
| USB U.S. BANCORP | NON_COMPLIANT | 14.16% | AAOIFI38.7% Usmani5.1% Dow Jones Islamic49.4% S&P Shariah54.1% MSCI Islamic5.1% MSCI Islamic M-Series54.1% FTSE Shariah5.1% |
| TFC Truist Financial Corporation | NON_COMPLIANT | 9.38% | AAOIFI110.7% Usmani12.6% Dow Jones Islamic124.2% S&P Shariah135.1% MSCI Islamic12.6% MSCI Islamic M-Series135.1% FTSE Shariah12.6% |
| FITB FIFTH THIRD BANCORP | NON_COMPLIANT | 6.39% | AAOIFI45.0% Usmani7.4% Dow Jones Islamic67.1% S&P Shariah76.4% MSCI Islamic7.4% MSCI Islamic M-Series76.4% FTSE Shariah7.4% |
| CFG CITIZENS FINANCIAL GROUP, INC. | NON_COMPLIANT | 4.61% | AAOIFI92.6% Usmani11.8% Dow Jones Islamic125.5% S&P Shariah143.3% MSCI Islamic11.8% MSCI Islamic M-Series143.3% FTSE Shariah11.8% |
| MTB M&T BANK CORPORATION | NON_COMPLIANT | 4.55% | AAOIFI52.5% Usmani8.3% Dow Jones Islamic59.6% S&P Shariah66.0% MSCI Islamic8.3% MSCI Islamic M-Series66.0% FTSE Shariah8.3% |
| HBAN HUNTINGTON BANCSHARES INCORPORATED | NON_COMPLIANT | 4.50% | AAOIFI68.2% Usmani8.2% Dow Jones Islamic90.2% S&P Shariah102.6% MSCI Islamic8.2% MSCI Islamic M-Series102.6% FTSE Shariah8.2% |
| RF REGIONS FINANCIAL CORPORATION | NON_COMPLIANT | 4.18% | AAOIFI29.4% Usmani4.7% Dow Jones Islamic35.1% S&P Shariah38.7% MSCI Islamic4.7% MSCI Islamic M-Series38.7% FTSE Shariah4.7% |
| KEY KEYCORP | NON_COMPLIANT | 3.44% | AAOIFI47.1% Usmani5.7% Dow Jones Islamic56.9% S&P Shariah65.9% MSCI Islamic5.7% MSCI Islamic M-Series65.9% FTSE Shariah5.7% |
| FIRST CITIZENS BANCSHARES, INC. | UNSCREENED | 3.14% | no in-house ratios for this holding |
| EWBC EAST WEST BANCORP, INC. | NON_COMPLIANT | 2.87% | AAOIFI44.9% Usmani9.5% Dow Jones Islamic56.5% S&P Shariah64.1% MSCI Islamic9.5% MSCI Islamic M-Series64.1% FTSE Shariah9.5% |
| PNFP Pinnacle Financial Partners, Inc. | NON_COMPLIANT | 2.46% | AAOIFI16.1% Usmani1.9% Dow Jones Islamic27.2% S&P Shariah30.6% MSCI Islamic1.9% MSCI Islamic M-Series30.6% FTSE Shariah1.9% |
| WBS WEBSTER FINANCIAL CORPORATION | NON_COMPLIANT | 2.01% | AAOIFI5.9% Usmani0.9% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic0.9% MSCI Islamic M-Seriesfail FTSE Shariah0.9% |
| FHN FIRST HORIZON CORPORATION | NON_COMPLIANT | 1.97% | AAOIFI187.6% Usmani26.2% Dow Jones Islamic208.5% S&P Shariah233.7% MSCI Islamic26.2% MSCI Islamic M-Series233.7% FTSE Shariah26.2% |
| WTFC WINTRUST FINANCIAL CORPORATION | NON_COMPLIANT | 1.76% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| BPOP Popular, Inc. | NON_COMPLIANT | 1.72% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| UMBF UMB FINANCIAL CORPORATION | NON_COMPLIANT | 1.65% | AAOIFI5.5% Usmani0.8% Dow Jones Islamic7.5% S&P Shariah9.1% MSCI Islamic0.8% MSCI Islamic M-Series9.1% FTSE Shariah0.8% |
| ZIONS BANCORPORATION, NATIONAL ASSOCIATION | UNSCREENED | 1.64% | no in-house ratios for this holding |
| SSB SOUTHSTATE BANK CORPORATION | NON_COMPLIANT | 1.58% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| CFR CULLEN/FROST BANKERS, INC. | NON_COMPLIANT | 1.57% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| WAL WESTERN ALLIANCE BANCORPORATION | NON_COMPLIANT | 1.36% | AAOIFI141.5% Usmani12.7% Dow Jones Islamic142.6% S&P Shariah158.1% MSCI Islamic12.7% MSCI Islamic M-Series158.1% FTSE Shariah12.7% |
| COMMERCE BANCSHARES, INC. | UNSCREENED | 1.27% | no in-house ratios for this holding |
| PB PROSPERITY BANCSHARES, INC. | NON_COMPLIANT | 1.19% | AAOIFI24.6% Usmani4.9% Dow Jones Islamic31.8% S&P Shariah34.1% MSCI Islamic4.9% MSCI Islamic M-Series34.1% FTSE Shariah4.9% |
| VLY VALLEY NATIONAL BANCORP | NON_COMPLIANT | 1.13% | AAOIFI41.6% Usmani5.0% Dow Jones Islamic57.4% S&P Shariah64.9% MSCI Islamic5.0% MSCI Islamic M-Series64.9% FTSE Shariah5.0% |
| F.N.B. CORPORATION | UNSCREENED | 1.10% | no in-house ratios for this holding |
| GBCI GLACIER BANCORP, INC. | NON_COMPLIANT | 1.08% | AAOIFI0.8% Usmani0.3% Dow Jones Islamic0.9% S&P Shariah1.0% MSCI Islamic0.2% MSCI Islamic M-Series1.0% FTSE Shariah0.0% |
| UNITED BANKSHARES, INC. | UNSCREENED | 1.02% | no in-house ratios for this holding |
| HOMB HOME BANCSHARES, INC. | NON_COMPLIANT | 0.87% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| OZK BANK OZK | NON_COMPLIANT | 0.86% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| FFIN FIRST FINANCIAL BANKSHARES, INC. | NON_COMPLIANT | 0.73% | AAOIFI2.2% Usmani0.7% Dow Jones Islamic2.2% S&P Shariah2.3% MSCI Islamic0.7% MSCI Islamic M-Series2.3% FTSE Shariah0.7% |
| BOKF BOK FINANCIAL CORPORATION | NON_COMPLIANT | 0.48% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BlackRock Funds III: BlackRock Cash Funds: Treasury; SL Agency Shares | UNSCREENED | 0.12% | no in-house ratios for this holding |
| XAF FINANCIAL SEP26 | UNSCREENED | 0.00% | no in-house ratios for this holding |
All 7 published standards agree about this fund to within 0.0 points of portfolio weight.
These bars are the financial-ratio result under each standard — debt, receivables and interest income. They do not screen what the business does, so a holding can pass every ratio here and still be questionable or non-compliant on activity. The blended verdict above accounts for both.
ratios pass on 0.0% ratios fail on 91.4% 8.3% not rated under AAOIFI
ratios pass on 0.0% ratios fail on 43.4% 56.3% not rated under Usmani
ratios pass on 0.0% ratios fail on 91.4% 8.3% not rated under Dow Jones Islamic
ratios pass on 0.0% ratios fail on 91.4% 8.3% not rated under S&P Shariah
ratios pass on 0.0% ratios fail on 43.4% 56.3% not rated under MSCI Islamic
ratios pass on 0.0% ratios fail on 91.4% 8.3% not rated under MSCI Islamic M-Series
ratios pass on 0.0% ratios fail on 43.4% 56.3% not rated under FTSE Shariah
26 of 33 listed holdings carry our own per-methodology verdicts (91% of weight). The rest hold a provider verdict with no methodology breakdown, and are counted as rated by none. Of those, 24 (90% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
| Non-compliant holding | Weight |
|---|---|
| PNC THE PNC FINANCIAL SERVICES GROUP, INC. | 14.94% |
| USB U.S. BANCORP | 14.16% |
| TFC Truist Financial Corporation | 9.38% |
| FITB FIFTH THIRD BANCORP | 6.39% |
| CFG CITIZENS FINANCIAL GROUP, INC. | 4.61% |
| MTB M&T BANK CORPORATION | 4.55% |
| HBAN HUNTINGTON BANCSHARES INCORPORATED | 4.50% |
| RF REGIONS FINANCIAL CORPORATION | 4.18% |
| KEY KEYCORP | 3.44% |
| EWBC EAST WEST BANCORP, INC. | 2.87% |
Methodology breakdown computing — it will appear here on its own.
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
The factors behind the read, each shown with the figure it rests on, including the ones pointing the other way.
iShares U.S. Regional Banks ETF (IAT) is currently considered not halal (non-compliant), per our own look-through to its filed holdings. See its filed holdings and the weight breakdown below for the reasoning.
Computing the full ratio and business-activity breakdown for IAT — this runs off the critical path so the page paints first. It will appear here on its own.
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally below. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 40.70 | NEUTRAL |
| Stochastic %K (14) | 49.45 | NEUTRAL |
| CCI (20) | -22.50 | NEUTRAL |
| Williams %R (14) | -50.55 | NEUTRAL |
| MACD (12,26,9) | 0.17 | BUY |
| ROC (10) | -0.70 | SELL |
| Momentum (10) | -0.40 | SELL |
| EMA (10) | 57.21 | SELL |
| SMA (10) | 57.05 | BUY |
| EMA (20) | 57.78 | SELL |
| SMA (20) | 57.41 | SELL |
| EMA (30) | 58.42 | SELL |
| SMA (30) | 58.55 | SELL |
| EMA (50) | 59.28 | SELL |
| SMA (50) | 60.26 | SELL |
| EMA (100) | 59.50 | SELL |
| SMA (100) | 60.79 | SELL |
| EMA (200) | 57.59 | SELL |
| SMA (200) | 58.42 | SELL |
The fund generally will invest at least 80% of its assets in the component securities of its underlying index and may invest up to 20% of its assets in certain futures, options and swap contracts, cash and cash equivalents, as well as in securities not included in the underlying index, but which BFA believes will help the fund track the underlying index. The fund is non-diversified.
Background via Yahoo Finance — informational, not part of the verdict.
No real edge — avoid
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
| Timeframe | Bias | Bars |
|---|---|---|
| 📅 Daily | RANGING | 41 |
| ⏰ 4H | RANGING | 32 |
| 🕐 1H | BEARISH | 98 |
| ⏱ 15-Min | BULLISH | 130 |
| ⏲ 5-Min | BULLISH | 234 |
Rate of change and relative volume against this symbol's own recent history. Momentum describes what price has done; it is not a claim about what it will do.
How the rest of the sector moved over the same window. Context for a price move, never a cause of one.
Peer movement computing — it will appear here on its own.
The questions worth asking about any verdict on this page, answered plainly.
No. HTR reads the fund's filed holdings and screens each one, then reports the result by weight. A fund marketed as Islamic still gets the same look-through as any other.
It is the share of the fund whose holdings HTR cannot cover far enough to rate. It is reported as unrated rather than counted as compliant, because a holding nobody screened should not look like one that passed.
It matters, and it is noted, but it does not replace the look-through. The board's judgement and the holdings screen are shown separately so you can see when they agree and when they do not.
When the fund files new holdings, and on a rolling basis besides. The date on the verdict above is the last time this fund was actually recomputed.
Open research, not a fatwa. HTR applies published screening standards to filings and publishes what they say, including when they disagree. Nothing here is financial advice or a recommendation to buy or sell. Verdicts can change when new filings land.
Same screen, different answers. Comparison is where the standards disagreeing becomes useful rather than confusing.
Peer screening computing — it will appear here on its own.
Insider transactions reported in the last ninety days. Insiders sell for reasons that have nothing to do with a view, so a sale on its own is not a signal.
NO DATA 0 buys · 0 sells
The weekly CFTC Commitments of Traders report for the broad market it tracks, not for this symbol. Positioning context for the tape — it says nothing about this company.
NEUTRAL report date 2026-10-13 · Asset managers net 915835 (+9220)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.