AGI

AGBK

Banks - Regional · Financial Services

Price

$6.92

-0.10 (-1.42%)

Market Cap

$1.11B

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Share count rising — dilution

+172.4% over 3y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 58.7M (2022) → 159.9M (2025)

AGI Inc (ticker: AGBK) is a regional bank that provides everyday financial services to individuals and businesses. Its core products include checking and savings accounts, loans, mortgages, and basic banking services. It operates in a specific geographic region of the United States, serving local consumers and small to mid-sized businesses.

The bank earns money primarily through the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. With a market cap of around $1.1 billion, it is a mid-sized regional bank competing against both large national banks and smaller community banks. Regional banks face ongoing pressure from rising competition by fintech companies and larger banks with bigger technology budgets, which remains a key risk to long-term growth.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

Revenue data limited

EPS Growth

EPS data limited

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

51.9%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

5+ years

Quarterly Free Cash Flow

$47.0B cash & investments at current burn rate

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

29.0%

Modest — 29.0% gross margin

Operating Margin

7.2%

Modest — 7.2% operating margin

ROCE

2.2%

Weak — 2.2% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

N/A

—

Data not available

EPS YoY

N/A

—

Data not available

EPS Consistency

N/A

—

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

N/A

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

1.08

Elevated debt (1.08)

Interest Cover

N/A

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

13.1x

Attractive valuation — P/E 13.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+8.3

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (13.1 → 4.9)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Not applicable for this business.

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial