Profitability
Weight: 25%
C
54
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.1%
- Operating Margin Trend -3.46 pp/yr
GABC
German American Bancorp, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C
52
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.9%
- 5yr Share-Count CAGR 8.5%
Growth Quality
Weight: 10%
B
71
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 17.6%
- 5yr EPS CAGR -0.9%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
99
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.27x
Balance Sheet
Weight: 30%
B-
68
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 13.9%
- Interest Coverage (EBIT/Int) 1.11x
Stability
Weight: 10%
B
75
- EPS Volatility (σ/μ) 0.25
- Piotroski F-Score 8
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 added.
- Holders
- 2
- Avg Δ position
- +289.4%
- New buys
- 0
- Full exits
- 0