Profitability
Weight: 25%
C-
44
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 58.0%
- Efficiency Ratio Trend +2.46 pp/yr
FISI
Financial Institutions, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
D
36
- 5yr Avg ROE 9.0%
- 5yr Share-Count CAGR 4.8%
Growth Quality
Weight: 15%
C
55
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 13.1%
- Efficiency Ratio Trend (growth quality check) +2.46 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
F
0
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.23
Balance Sheet
Weight: 20%
A-
80
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 10.0%
Stability
Weight: 10%
B-
65
- EPS Volatility (σ/μ) 0.31
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 added; 1 full exit.
- Holders
- 1
- Avg Δ position
- +46.1%
- New buys
- 0
- Full exits
- 1