Bank stocks provide a measure of stability and can improve income for investors, as they tend to have less volatility and better dividends than most stocks. However, don’t buy bank stocks unless you are willing to do due diligence about the financial health of a prospective bank stock. Look for bank stocks that are still growing their customer base, along with their revenue, net income and perhaps most importantly, net income margin. If interest rates fall, as expected this year, banks should enjoy greater profit margins and more deposits.