Profitability
Weight: 25%
C-
46
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.8%
- Operating Margin Trend -3.60 pp/yr
INDB
Independent Bank Corp.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
D+
41
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 8.7%
- 5yr Share-Count CAGR 9.1%
Growth Quality
Weight: 10%
A-
84
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 10.1%
- 5yr EPS CAGR 6.4%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
99
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.35x
Balance Sheet
Weight: 30%
B-
68
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 14.3%
- Interest Coverage (EBIT/Int) 0.85x
Stability
Weight: 10%
B+
77
- EPS Volatility (σ/μ) 0.25
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 trimmed.
- Holders
- 1
- Avg Δ position
- -0.7%
- New buys
- 0
- Full exits
- 0
- Dalio decreased -1%