Profitability
Weight: 25%
B
74
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 44.0%
- Efficiency Ratio Trend +0.83 pp/yr
MBIN
Merchants Bancorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B-
67
- 5yr Avg ROE 15.0%
- 5yr Share-Count CAGR 1.3%
Growth Quality
Weight: 15%
B
70
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 27.8%
- Efficiency Ratio Trend (growth quality check) +0.83 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
C
52
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.05
Balance Sheet
Weight: 20%
A-
85
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 11.7%
Stability
Weight: 10%
D+
39
- EPS Volatility (σ/μ) 0.62
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 3
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 1 gurus held; 1 trimmed.
- Holders
- 1
- Avg Δ position
- -42.1%
- New buys
- 0
- Full exits
- 0
- Cooperman decreased -42%