Profitability
Weight: 25%
B
75
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 55.9%
- Efficiency Ratio Trend -0.65 pp/yr
GABC
German American Bancorp, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C-
46
- 5yr Avg ROE 12.3%
- 5yr Share-Count CAGR 6.8%
Growth Quality
Weight: 15%
A-
84
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 16.3%
- Efficiency Ratio Trend (growth quality check) -0.65 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
B
74
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.03
Balance Sheet
Weight: 20%
A
92
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 13.9%
Stability
Weight: 10%
B
72
- EPS Volatility (σ/μ) 0.25
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 added.
- Holders
- 2
- Avg Δ position
- +59.1%
- New buys
- 0
- Full exits
- 0