Profitability
Weight: 25%
D+
42
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.7%
- Operating Margin Trend -9.86 pp/yr
FISI
Financial Institutions, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
D
37
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 7.7%
- 5yr Share-Count CAGR 6.3%
Growth Quality
Weight: 10%
B-
63
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 13.0%
- 5yr EPS CAGR -6.8%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A-
84
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.94x
Balance Sheet
Weight: 30%
C+
59
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 10.0%
- Interest Coverage (EBIT/Int) 0.69x
Stability
Weight: 10%
B
71
- EPS Volatility (σ/μ) 0.31
- Piotroski F-Score 8
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 trimmed; 1 full exit.
- Holders
- 1 -1
- Avg Δ position
- -50.5%
- New buys
- 0
- Full exits
- 1