Profitability
Weight: 25%
D+
42
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 67.7%
- Efficiency Ratio Trend +0.07 pp/yr
TOWN
TowneBank
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C-
50
- 5yr Avg ROE 8.7%
- 5yr Share-Count CAGR 1.2%
Growth Quality
Weight: 15%
C+
60
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 6.3%
- Efficiency Ratio Trend (growth quality check) +0.07 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
B-
64
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.04
Balance Sheet
Weight: 20%
A-
87
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 12.3%
Stability
Weight: 10%
C+
58
- EPS Volatility (σ/μ) 0.28
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 added; 1 trimmed; 1 full exit.
- Holders
- 2 +1
- Avg Δ position
- -28.1%
- New buys
- 0
- Full exits
- 1