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Stock Ratings / Financials / AGBK / dividends
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AGI Inc (Class A) (AGBK) Dividend Safety Gauge & 10-Year DRIP Compounder

$5.20 +0.97% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $5.20

AGI Inc (Class A) (AGBK) carries a Roarable Rating of D (Sell) with 45/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $824.7M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is AGBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, AGI Inc (Class A) (NYSE: AGBK) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $5.20 (+0.97% 1D, market cap $824.7M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, AGBK ranks #785 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does AGBK compare to PGC and VBNK in the Financials sector?
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Within the Financials sector (Commercial Banks), AGBK carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PGC (Peapack-Gladstone Financial Corporation) holds a C- grade (59/100 RQD, P/E 21.8x, ROIC 5.7%, cap $803.6M) and VBNK (VersaBank) posts a D+ grade (55/100 RQD, P/E N/A, ROIC —, cap $711.9M). Among the 5-stock peer group, PGC leads on earnings multiple (21.8x) while PGC leads on capital efficiency (5.7% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for AGBK?
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For AGI Inc (Class A) (AGBK), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #785 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $5.20 (-0.02%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.3% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510045
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D+
Cash (11)Whales (3)SEC (13)Macro (9)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-5.8% Base Target
$13 Bull$5 Base$4 Bear
📬 FREE AGBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for AGBK)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (45/100 Composite)
🔍 WHY AGBK SCORES 45/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (24% of score)

SEC XBRL Trailing 12 Months: 0.6% FCF Margin ($23.1M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
53
Grade C-$7.38+3.3% Next Q
Q2 (-2Q)
50
Grade C-$7.62-36% Next Q
Q3 (-1Q)
48
Grade D$4.88+6.6% Next Q
Current
45
Grade D$5.20-6.3% Hist 90D α
Trajectory: C- (53) → D (45)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a AGBK Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While AGBK currently carries a cautious 45/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($6.31) and Max Pain ($5.46) forces dealer call-delta covering toward $12.82.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $AGBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “AGBK Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 45%NO 55%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring AGBK)

  • ✓Walkthrough of AGBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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AGBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -23.64%📐 HORIZONTAL RANGE
2026-11-03O $5.12H $5.20L $5.12C $5.20VOL 382.0K
RES: $7.92SUP: $4.27SMA50: $6.31SMA200: $7.38
$9.32$7.99$6.67$5.34$4.02RES $7.92SUP $4.27$5.202026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

AGBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 AGBK Butterfly Map → + Track AGBK →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on AGBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for AGBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for AGBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (AGBK)

Financials Rank #785 of 1097 ⚔️ PGC vs AGBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (AGBK vs. PGC, VBNK, SUPV, ESQ)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, AGI Inc (Class A) (AGBK) ranks #785 by composite RQD confidence (45/100, grade D) and #591 by equity capitalization ($824.7M). Within this direct 5-issuer industry benchmark cohort, PGC leads on earnings valuation at 21.8x trailing P/E, while PGC leads on capital efficiency and profitability with 5.7% ROIC and — gross margin. ESQ currently holds the highest overall quantitative score in the immediate peer group at 60/100 (C-) compared with AGBK at 45/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
AGBK ACTIVE
AGI Inc (Class A)
D 45/100 — — — +0.97% $824.7M Benchmark Subject
PGC
Peapack-Gladstone Financial Corporation
C- 59/100 21.8x — 5.7% +3.33% $803.6M /pgc-vs-agbk →
VBNK
VersaBank
D+ 55/100 — — — -1.14% $711.9M /vbnk-vs-agbk →
SUPV
Grupo Supervielle S.A. each Representing five (Class B)
D- 43/100 — — — -5.59% $588.3M /supv-vs-agbk →
ESQ
Esquire Financial Holdings Inc.
C- 60/100 — — — -0.50% $1.51B /esq-vs-agbk →

2. AGBK Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

AGI Inc (Class A) (AGBK) operates in Commercial Banks (Financials) with an equity capitalization of $824.7M, trailing P/E of N/A, forward P/E of N/A, and EV/EBITDA of N/A. Operating profitability registers a gross margin of —, operating margin of —, net profit margin of —, ROIC of —, and free cash flow yield of —, alongside an Altman Z-Score of N/A and Piotroski F-Score of N/A.

3. AGBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is AGBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, AGI Inc (Class A) (NYSE: AGBK) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 45/100 at a spot price of $5.20 (+0.97% 1D, market cap $824.7M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 3/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, AGBK ranks #785 in composite RQD confidence.

How does AGBK compare to PGC and VBNK in the Financials sector?

Within the Financials sector (Commercial Banks), AGBK carries a Roarable D (45/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PGC (Peapack-Gladstone Financial Corporation) holds a C- grade (59/100 RQD, P/E 21.8x, ROIC 5.7%, cap $803.6M) and VBNK (VersaBank) posts a D+ grade (55/100 RQD, P/E N/A, ROIC —, cap $711.9M). Among the 5-stock peer group, PGC leads on earnings multiple (21.8x) while PGC leads on capital efficiency (5.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for AGBK?

For AGI Inc (Class A) (AGBK), key quantitative strengths include Established market leader in Financials with deep daily trading liquidity and sector rank #785 in Financials, while primary risk factors center on Company executives have done more routine share selling than personal cash buying lately and Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is AGBK trading relative to its 50-day, 200-day, and 52-week technical levels?

AGBK last traded at $5.20 (+0.97% on volume of 729,508 shares), positioning the stock -17.59% below its 50-day simple moving average ($6.31) and -29.54% below its 200-day simple moving average ($7.38). Across its 52-week range of $4.43 to $12.21, AGBK sits at the 9.9% percentile with a 14-day RSI of 37.0 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($4.55 to $5.85).

Direct Sub-Reports: AGBK RQD Cockpit AGBK 12M Forecast AGBK Earnings & Move AGBK Dividends & DRIP AGBK Insiders & 13F AGBK Whale Options AGBK Profit Sankey AGBK News & Why
ROARABLE RATING BRIEF • RQD 45/100 (D) ✓ SEC XBRL & RQD VERIFIED

AGBK — AGI Inc (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

AGI Inc (Class A) (AGBK) earns a live Roarable RQD composite score of 45/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $5.20 (+0.97% 1D, market capitalization $824.7M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (3/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

AGI Inc (Class A) (AGBK) is a NYSE-listed operating company in the Commercial Banks industry (Financials sector) with an equity market capitalization of $824.7M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 0% (free cash flow yield of 0%). Within the Commercial Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 45/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 3/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 3/20, sustained execution supports upside toward the upper end of the $4.43 – $12.21 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Supply chain is NONE, with no upstream or downstream links recorded.

  • Key Question #1: Can AGBK sustain or expand its — operating margin and — ROIC against Commercial Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (— FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $12.21 52-week high?
  • Key Question #3: How sensitive is AGBK's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

AGBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for AGI Inc (Class A) (AGBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to AGBK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AGBK Bull vs. Bear Conversation Board — What's Your Call at $5.20?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AGBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on AGBK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $6.49 (+26.0%)
📌 Pinned Debate

Forensic balance sheet scores 13 of 20 with Altman Z 2.5 and Piotroski F 6/9, and the price of 5.12 sits near the low end of its 52-wee

Long AGBK at $5.15 targeting $6.49. Forensic balance sheet scores 13 of 20 with Altman Z 2.5 and Piotroski F 6/9, and the price of 5.12 sits near the low end of its 52-week range.. Institutional whale score is 3/20 and the risk/reward vs. the $4.43 52-week low is skewed heavily in favor of bulls.

RetailWhale_TX 🐂 BULL

Both sides have a point here — AGBK's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $4.43 (-14.0%)
Spot @ $5.15

The RQD rating is 45 (D, Underperform / Distribution Warning) with zero ROIC, zero FCF yield, and institutional flow scored just 3 of 2

Fading this rally in AGBK at $5.15. The RQD rating is 45 (D, Underperform / Distribution Warning) with zero ROIC, zero FCF yield, and institutional flow scored just 3 of 20.. With a beta of 1.0 and the stock sitting at $5.15 (52-wk range $4.43–$12.21), the easy multiple expansion is already priced in.

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