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.
Financial Industries Fund · John Hancock Investment Trust II
42 holdings · as of 2026-04-30 (4.6 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 84.69% of portfolio weight is in non-compliant holdings, over the 5% threshold.
42 holdings, 38 matched (92% of weight). Portfolio as of 2026-04-30, filed 2026-06-25. Source: SEC Form N-PORT.
16.83% of this portfolio’s income is non-permissible — weighted across holdings, computed over 46% of portfolio weight (22 of 42 holdings). The common approach purifies that proportion of income received — dividends — not of the position’s value. We report the ratio; what to do with it is a question for your own scholar.
6.6% compliant 0.0% questionable 84.7% non-compliant 8.0% unscreened
| Holding | Status | Weight | Every methodology, and the debt ratio behind it |
|---|---|---|---|
| CFG Citizens Financial Group Inc. | NON_COMPLIANT | 4.80% | AAOIFI92.6% Usmani11.8% Dow Jones Islamic125.5% S&P Shariah143.3% MSCI Islamic11.8% MSCI Islamic M-Series143.3% FTSE Shariah11.8% |
| C Citigroup Inc. | NON_COMPLIANT | 4.69% | AAOIFI159.2% Usmani13.8% Dow Jones Islamic214.6% S&P Shariah251.0% MSCI Islamic13.8% MSCI Islamic M-Series251.0% FTSE Shariah13.8% |
| MS Morgan Stanley | NON_COMPLIANT | 4.63% | AAOIFI115.6% Usmani23.4% Dow Jones Islamic161.6% S&P Shariah189.1% MSCI Islamic23.4% MSCI Islamic M-Series189.1% FTSE Shariah23.4% |
| FITB Fifth Third Bancorp | NON_COMPLIANT | 3.99% | AAOIFI45.0% Usmani7.4% Dow Jones Islamic67.1% S&P Shariah76.4% MSCI Islamic7.4% MSCI Islamic M-Series76.4% FTSE Shariah7.4% |
| COLB Columbia Banking System Inc. | NON_COMPLIANT | 3.83% | AAOIFI1.1% Usmani0.1% Dow Jones Islamic1.5% S&P Shariah1.7% MSCI Islamic0.1% MSCI Islamic M-Series1.7% FTSE Shariah0.1% |
| NN.AS NN Group N.V. | NON_COMPLIANT | 3.60% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| BPOP Popular Inc. | NON_COMPLIANT | 3.29% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| HIG The Hartford Insurance Group Inc. | NON_COMPLIANT | 3.17% | AAOIFI11.7% Usmani5.0% Dow Jones Islamic12.4% S&P Shariah13.6% MSCI Islamic5.0% MSCI Islamic M-Series13.6% FTSE Shariah5.0% |
| CABK.MC CaixaBank S.A. | NON_COMPLIANT | 3.15% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| JPM JPMorgan Chase and Co. | NON_COMPLIANT | 3.15% | AAOIFI7.7% Usmani1.4% Dow Jones Islamic9.5% S&P Shariah10.7% MSCI Islamic1.4% MSCI Islamic M-Series10.7% FTSE Shariah1.4% |
| 8309.T Sumitomo Mitsui Trust Group Inc. | NON_COMPLIANT | 3.11% | AAOIFI368.3% Usmani22.1% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic22.1% MSCI Islamic M-Seriesfail FTSE Shariah22.1% |
| BAC Bank of America Corporation | NON_COMPLIANT | 3.09% | AAOIFI77.5% Usmani9.7% Dow Jones Islamic95.9% S&P Shariah105.7% MSCI Islamic9.7% MSCI Islamic M-Series105.7% FTSE Shariah9.7% |
| CG The Carlyle Group Inc. | NON_COMPLIANT | 3.02% | AAOIFI62.3% Usmani37.0% Dow Jones Islamic58.2% S&P Shariah63.7% MSCI Islamic37.0% MSCI Islamic M-Series63.7% FTSE Shariah37.0% |
| SCHW The Charles Schwab Corporation | NON_COMPLIANT | 2.99% | AAOIFI14.6% Usmani5.3% Dow Jones Islamic18.7% S&P Shariah22.0% MSCI Islamic5.3% MSCI Islamic M-Series22.0% FTSE Shariah5.3% |
| BIRG.IR Bank of Ireland Group plc | NON_COMPLIANT | 2.99% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| V Visa Inc. | COMPLIANT | 2.94% | AAOIFI3.5% Usmani25.2% Dow Jones Islamic15.5% S&P Shariah16.7% MSCI Islamic25.2% MSCI Islamic M-Series16.7% FTSE Shariah25.2% |
| COF Capital One Financial Corporation | NON_COMPLIANT | 2.53% | AAOIFI38.5% Usmani7.6% Dow Jones Islamic49.3% S&P Shariah60.5% MSCI Islamic7.6% MSCI Islamic M-Series60.5% FTSE Shariah7.6% |
| UNM Unum Group | NON_COMPLIANT | 2.51% | AAOIFI24.7% Usmani5.9% Dow Jones Islamic29.4% S&P Shariah32.7% MSCI Islamic5.9% MSCI Islamic M-Series32.7% FTSE Shariah5.9% |
| CBOE Cboe Global Markets Inc. | NON_COMPLIANT | 2.49% | AAOIFI4.9% Usmani14.9% Dow Jones Islamic6.2% S&P Shariah6.8% MSCI Islamic14.9% MSCI Islamic M-Series6.8% FTSE Shariah13.6% |
| Old National Bancorp | UNSCREENED | 2.48% | no in-house ratios for this holding |
| Zions Bancorporation National Association | UNSCREENED | 2.45% | no in-house ratios for this holding |
| ICE Intercontinental Exchange Inc. | NON_COMPLIANT | 2.25% | AAOIFI23.2% Usmani11.8% Dow Jones Islamic22.5% S&P Shariah24.2% MSCI Islamic11.8% MSCI Islamic M-Series24.2% FTSE Shariah11.4% |
| 4VK.F Aon Public Limited Company | NON_COMPLIANT | 2.15% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| MRX Marex Group plc | NON_COMPLIANT | 2.07% | AAOIFI3.6% Usmani0.6% Dow Jones Islamic6.9% S&P Shariahfail MSCI Islamic0.6% MSCI Islamic M-Seriesfail FTSE Shariah0.6% |
| PNFP Pinnacle Financial Partners Inc. | NON_COMPLIANT | 2.04% | AAOIFI16.1% Usmani1.9% Dow Jones Islamic27.2% S&P Shariah30.6% MSCI Islamic1.9% MSCI Islamic M-Series30.6% FTSE Shariah1.9% |
| NDAQ Nasdaq Inc. | NON_COMPLIANT | 2.03% | AAOIFI17.2% Usmani34.1% Dow Jones Islamic19.3% S&P Shariah21.8% MSCI Islamic34.1% MSCI Islamic M-Series21.8% FTSE Shariah32.0% |
| CME CME Group Inc. | NON_COMPLIANT | 1.79% | AAOIFI0.4% Usmani0.2% Dow Jones Islamic2.3% S&P Shariah2.6% MSCI Islamic0.2% MSCI Islamic M-Series2.6% FTSE Shariah0.0% |
| American Business Bank | UNSCREENED | 1.73% | no in-house ratios for this holding |
| EBC Eastern Bankshares Inc. | NON_COMPLIANT | 1.69% | AAOIFI7.8% Usmani1.3% Dow Jones Islamic10.2% S&P Shariah11.9% MSCI Islamic1.3% MSCI Islamic M-Series11.9% FTSE Shariah1.3% |
| MIAX Miami International Holdings Inc. | COMPLIANT | 1.64% | AAOIFI0.5% Usmani1.4% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic1.4% MSCI Islamic M-Seriespass FTSE Shariah0.1% |
| PLMR Palomar Holdings Inc. | NON_COMPLIANT | 1.57% | AAOIFI8.4% Usmani7.5% Dow Jones Islamic9.1% S&P Shariah10.7% MSCI Islamic7.5% MSCI Islamic M-Series10.7% FTSE Shariah7.5% |
| PLD Prologis Inc. | COMPLIANT | 1.49% | AAOIFI25.8% Usmani35.3% Dow Jones Islamic31.2% S&P Shariah32.1% MSCI Islamic35.3% MSCI Islamic M-Series32.1% FTSE Shariah35.3% |
| NBTB NBT Bancorp Inc. | NON_COMPLIANT | 1.47% | AAOIFI315.4% Usmani52.8% Dow Jones Islamic395.6% S&P Shariah433.3% MSCI Islamic52.8% MSCI Islamic M-Series433.3% FTSE Shariah52.8% |
| JH COLLATERAL | UNSCREENED | 1.29% | no in-house ratios for this holding |
| SSB SouthState Bank Corporation | NON_COMPLIANT | 1.22% | AAOIFI0.0% Usmani0.0% Dow Jones Islamic0.0% S&P Shariah0.0% MSCI Islamic0.0% MSCI Islamic M-Series0.0% FTSE Shariah0.0% |
| SB1NO.OL SpareBank 1 Sor-Norge ASA | NON_COMPLIANT | 1.07% | AAOIFIfail Usmanifail Dow Jones Islamicfail S&P Shariahfail MSCI Islamicfail MSCI Islamic M-Seriesfail FTSE Shariahfail |
| AII American Integrity Insurance Group Inc. | NON_COMPLIANT | 1.02% | AAOIFI0.1% Usmani0.0% Dow Jones Islamicfail S&P Shariahfail MSCI Islamic0.0% MSCI Islamic M-Seriesfail FTSE Shariah0.0% |
| USB U.S. Bancorp | NON_COMPLIANT | 1.00% | AAOIFI38.7% Usmani5.1% Dow Jones Islamic49.4% S&P Shariah54.1% MSCI Islamic5.1% MSCI Islamic M-Series54.1% FTSE Shariah5.1% |
| CCB Coastal Financial Corporation | NON_COMPLIANT | 0.81% | AAOIFI0.6% Usmani0.1% Dow Jones Islamic0.4% S&P Shariah0.4% MSCI Islamic0.1% MSCI Islamic M-Series0.4% FTSE Shariah0.0% |
| AXP American Express Company | NON_COMPLIANT | 0.78% | AAOIFI26.8% Usmani19.2% Dow Jones Islamic27.4% S&P Shariah30.8% MSCI Islamic19.2% MSCI Islamic M-Series30.8% FTSE Shariah19.2% |
| FISV Fiserv Inc. | NON_COMPLIANT | 0.71% | AAOIFI99.4% Usmani34.6% Dow Jones Islamic38.9% S&P Shariah36.9% MSCI Islamic34.6% MSCI Islamic M-Series36.9% FTSE Shariah34.5% |
| LIFE Ethos Technologies Inc. | COMPLIANT | 0.49% | AAOIFI0.1% Usmani0.3% Dow Jones Islamicpass S&P Shariahpass MSCI Islamic0.3% MSCI Islamic M-Seriespass FTSE Shariah0.0% |
The published standards disagree about this fund by 8 points of portfolio weight — 11.1% of it passes AAOIFI, 3.4% passes Usmani. Which number is yours depends on which standard you follow.
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 11.1% ratios fail on 80.2% 8.0% not rated under AAOIFI
ratios pass on 3.4% ratios fail on 60.1% 35.6% not rated under Usmani
ratios pass on 11.1% ratios fail on 80.2% 8.0% not rated under Dow Jones Islamic
ratios pass on 11.1% ratios fail on 80.2% 8.0% not rated under S&P Shariah
ratios pass on 3.4% ratios fail on 60.1% 35.6% not rated under MSCI Islamic
ratios pass on 11.1% ratios fail on 80.2% 8.0% not rated under MSCI Islamic M-Series
ratios pass on 5.5% ratios fail on 58.1% 35.6% not rated under FTSE Shariah
38 of 42 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, 33 (78% of weight) also carry the underlying debt ratio; the rest show a verdict without the figure behind it.
| Non-compliant holding | Weight |
|---|---|
| CFG Citizens Financial Group Inc. | 4.80% |
| C Citigroup Inc. | 4.69% |
| MS Morgan Stanley | 4.63% |
| FITB Fifth Third Bancorp | 3.99% |
| COLB Columbia Banking System Inc. | 3.83% |
| NN.AS NN Group N.V. | 3.60% |
| BPOP Popular Inc. | 3.29% |
| HIG The Hartford Insurance Group Inc. | 3.17% |
| CABK.MC CaixaBank S.A. | 3.15% |
| JPM JPMorgan Chase and Co. | 3.15% |
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.
JFIFX (JFIFX) 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 JFIFX — 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
This fund prices once a day, so its bars carry no intraday high or low — floor-trader pivots are not defined for it.
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) | 37.80 | NEUTRAL |
| Stochastic %K (14) | 0.00 | BUY |
| CCI (20) | -215.58 | BUY |
| Williams %R (14) | -100.00 | BUY |
| MACD (12,26,9) | -0.05 | SELL |
| ROC (10) | -1.31 | SELL |
| Momentum (10) | -0.19 | SELL |
| EMA (10) | 14.60 | SELL |
| SMA (10) | 14.67 | SELL |
| EMA (20) | 14.66 | SELL |
| SMA (20) | 14.68 | SELL |
| EMA (30) | 14.65 | SELL |
| SMA (30) | 14.75 | SELL |
| EMA (50) | 14.54 | SELL |
| SMA (50) | 14.65 | SELL |
| EMA (100) | 14.21 | BUY |
| SMA (100) | 14.12 | BUY |
| EMA (200) | 13.76 | BUY |
| SMA (200) | 13.67 | BUY |
The fund normally invests at least 80% of its net assets in equity securities of U.S. and foreign financial services companies of any size. These companies include, but are not limited to, banks, thrifts, finance and financial technology companies, brokerage and advisory firms, real estate related firms, insurance companies, and financial holding companies. It may invest in U.S. and foreign bonds, including up to 5% of net assets in below-investment-grade bonds rated as low as CCC by S&P Global Ratings or Caa by Moody's Investors Service, Inc. and their unrated equivalents.
Background via Yahoo Finance — informational, not part of the verdict.
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
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 2026-09-08 · Asset managers net 912361 (-21819)
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.