Profitability
Weight: 25%
C-
49
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend -4.93 pp/yr
TOWN
TowneBank
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C+
58
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 10.3%
- 5yr Share-Count CAGR 1.4%
Growth Quality
Weight: 10%
B-
67
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 12.6%
- 5yr EPS CAGR -7.1%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
96
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.61x
Balance Sheet
Weight: 30%
B-
64
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 12.3%
- Interest Coverage (EBIT/Int) 0.74x
Stability
Weight: 10%
C+
58
- EPS Volatility (σ/μ) 0.28
- Piotroski F-Score 5
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 3 gurus held; 1 added; 2 full exits.
- Holders
- 1 -2
- Avg Δ position
- +45.8%
- New buys
- 0
- Full exits
- 2