Profitability
Weight: 25%
B-
68
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 57.6%
- Efficiency Ratio Trend -0.37 pp/yr
FRME
First Merchants Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C
53
- 5yr Avg ROE 9.9%
- 5yr Share-Count CAGR 1.3%
Growth Quality
Weight: 15%
B
75
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 13.5%
- Efficiency Ratio Trend (growth quality check) -0.37 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
B
70
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.03
Balance Sheet
Weight: 20%
A
89
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 13.0%
Stability
Weight: 10%
B
70
- EPS Volatility (σ/μ) 0.26
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 8
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 added; 1 trimmed.
- Holders
- 3
- Avg Δ position
- -7.1%
- New buys
- 0
- Full exits
- 0