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In a previous post in August 2015, I presented my idea of a systematic score sheet for picking stocks in the financial sector. It is inspired by the Piotroski F-Score, a well-known checklist for quickly analyzing if a company’s fundamentals are improving. Piotroski’s F-Score does not apply to financial companies, like banks and insurance firms, so I made my own score sheet based on which pieces of information I thought were more important to selecting quality investments in those types of companies. The criteria for inspecting a company’s fundamental data in my system are: 1) If Net income is positive, score 1, otherwise 0 2) If Return On Assets latest year is greater than ROA previous year,