Profitability
Weight: 25%
C
55
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.1%
- Operating Margin Trend -5.11 pp/yr
FRME
First Merchants Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B-
65
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 12.4%
- 5yr Share-Count CAGR 1.7%
Growth Quality
Weight: 10%
B
73
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 17.5%
- 5yr EPS CAGR 0.5%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
97
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.21x
Balance Sheet
Weight: 30%
B-
65
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 13.0%
- Interest Coverage (EBIT/Int) 0.67x
Stability
Weight: 10%
C+
60
- EPS Volatility (σ/μ) 0.26
- Piotroski F-Score 5
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 new buy; 2 trimmed.
- Holders
- 3 +1
- Avg Δ position
- -29.1%
- New buys
- 1
- Full exits
- 0
- Greenblatt new
- Cooperman decreased -58%
- Wood decreased -1%