Stock Ratings / Financials / AGBK / dividends

PGC (59) VBNK (55) SUPV (43) ESQ (60) ⌘ Pro Terminal →

AGI Inc (Class A) (AGBK) Dividend Safety Gauge & 10-Year DRIP Compounder

$5.15 +0.59% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $5.15

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.

📊 Historical Track Record Warning: Scores below 50 (45/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $824.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on AGBK Below — or Connect Your Own ChatGPT / Claude

🤖 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 $5.15 (+0.59% 1D, market cap $824.7M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 3/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, AGBK ranks #784 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 #784 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: $5.15 (-0.08%)🧬 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

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+

Each axis scored 0–20

12M PRICE TARGET CONE-5.8% Base Target

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)

Grade C-$7.38+3.3% Next Q

Q2 (-2Q)

Grade C-$7.62-36% Next Q

Q3 (-1Q)

Grade D$4.88+5.5% Next Q

Current

Grade D$5.15-6.3% 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 ($5.41) 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

Starting Investment: $10,000

Compounding Horizon: 10 Years

$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: -24.38%📐 HORIZONTAL RANGE

2026-11-03O $5.12H $5.15L $5.12C $5.15VOL 382.0K

RES: $7.92SUP: $4.27SMA50: $6.31SMA200: $7.38

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #784 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, AGI Inc (Class A) (AGBK) ranks #784 by composite RQD confidence (45/100, grade D) and #590 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	—	—	—	+0.59%	$824.7M	Benchmark Subject
PGC Peapack-Gladstone Financial Corporation	C-	59/100	21.8x	—	5.7%	-1.26%	$803.6M	/pgc-vs-agbk →
VBNK VersaBank	D+	55/100	—	—	—	-2.75%	$711.9M	/vbnk-vs-agbk →
SUPV Grupo Supervielle S.A. each Representing five (Class B)	D-	43/100	—	—	—	-3.88%	$588.3M	/supv-vs-agbk →
ESQ Esquire Financial Holdings Inc.	C-	60/100	—	—	—	-2.15%	$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?

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

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

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

AGBK last traded at $5.15 (+0.59% on volume of 382,015 shares), positioning the stock -18.38% below its 50-day simple moving average ($6.31) and -30.22% below its 200-day simple moving average ($7.38). Across its 52-week range of $4.43 to $12.21, AGBK sits at the 9.3% percentile with a 14-day RSI of 37.0 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($4.51 to $5.79).

AGBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does AGBK pay a dividend and is it safe?

AGI Inc (Class A) (AGBK) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

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) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T14:14:46Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, AGBK scores 45 out of 100, earning a letter grade of D and the verdict label "Roarable Sell — Underperform / Distribution Warning." The five pillars are scored as follows: Fundamental Cash Engine at 11 of 20 (ROIC 0%; FCF yield 0%), Whale 13F Flow at 3 of 20 (institutional accumulation and options positioning), Insider Conviction at 9 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 9 of 20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13 of 20 (Altman Z 2.5; Piotroski F 6/9; Debt/Equity 0.5).

For a prospective investor evaluating the stock today, the rating's weakest component is institutional and insider positioning, which together account for 12 of 40 points in those two pillars. The fundamental pillar reflects zero reported ROIC and zero FCF yield, meaning the source data does not show a current cash-generation return on capital. The forensic balance sheet pillar is the strongest component, with an Altman Z of 2.5 and a Piotroski F of 6 out of 9, suggesting a comparatively sound balance sheet relative to the weaker flow and return metrics. The macro pillar is neutral-to-weak, with a Beta of 1.0 indicating market-level sensitivity. Upside drivers would need to come from improving institutional and insider flow and from any eventual return on capital; the source data does not indicate that these are currently present. The price of 5.12 sits near the lower portion of the 52-week range of $4.43 to $12.21, which may appeal to value-oriented readers, but the rating's distribution warning signals that the market data alone does not establish value. This is an analytical read of the source data, not personalized financial advice.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts feed, six items are tagged to AGBK. Five are marked YELLOW and one is marked GREEN. Headlines include "AGI (AGBK) Stock May Trade At A Discount To Earnings," "Is Agi (AGBK) Still Undervalued Following Its Recent Share Price Rebound?," "A bank may buy back up to 3 million shares, but Agi is not required to buy any," and "AGI (NYSE:AGBK) Reaches New 12-Month Low - Time to Sell?" The GREEN-tagged item, "AGI (AGBK) Rebounds Following A Sharp Rally But Is The Undervalued Case Still Intact," is categorized as a CATALYST. The buyback item signals a permissive but non-mandatory repurchase authorization, and the 12-month-low headline is a risk watch item. Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals.

Open Questions

What are the reported revenue, operating income, net income, EPS, FCF, cash, and debt figures for recent periods, given that the financials section is empty?
What are the trailing and forward earnings multiples, given that P/E, forward P/E, EV/EBITDA, and EPS are unavailable?
What is the analyst consensus rating and price target range, given that the analyst data section is empty?
Who are the 13F institutional holders and insiders, and what is their recent Form 4 or PTR activity, given that the holders section is empty?
Why do the market data show 0% for margins and ROIC while the Altman Z and Piotroski F imply a financial profile, and what drives that discrepancy?

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) ↓

🟡 MARKET WIRE Yahoo Finance • 19h ago

AGI (AGBK) Stock May Trade At A Discount To Earnings

Yahoo Finance report covering AGI Inc (Class A) (AGBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 22h ago

Is Agi (AGBK) Still Undervalued Following Its Recent Share Price Rebound?

Yahoo Finance report covering AGI Inc (Class A) (AGBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Agi (NYSE:AGBK) - Stock Analysis

Simply Wall St report covering AGI Inc (Class A) (AGBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

A bank may buy back up to 3 million shares, but Agi is not required to buy any.

Stock Titan report covering AGI Inc (Class A) (AGBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

AGI (NYSE:AGBK) Reaches New 12-Month Low - Time to Sell?

MarketBeat report covering AGI Inc (Class A) (AGBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

AGI (AGBK) Rebounds Following A Sharp Rally But Is The Undervalued Case Still Intact

Yahoo Finance report covering AGI Inc (Class A) (AGBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

From October 27, 2026, AGI Inc (AGBK) can buy back shares without a minimum commitment.

Stock Titan report covering AGI Inc (Class A) (AGBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

AGI (NYSE:AGBK) Stock Crosses Below Two Hundred Day Moving Average - What's Next?

MarketBeat report covering AGI Inc (Class A) (AGBK) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

AGBK Bull vs. Bear Conversation Board — What's Your Call at $5.15?

🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON AGBK 🐻 67% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH 🎯 Target: $4.51 (-11.9%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is AGBK (D • RQD 45/100) a Buy at $5.12?

Welcome to the AGBK (AGI Inc (Class A)) Roar Pit. Current RQD Composite is 45/100 (Roarable Sell — Underperform / Distribution Warning) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $3.94 (-23.0%)

Spot @ $5.12

Pump the brakes on AGBK — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on AGBK, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless AGI Inc (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $6.45 (+26.0%)

Spot @ $5.12

AGBK cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on AGBK, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $5.12 (52-wk range $4.43 - $12.21), any beat on forward guidance forces shorts and underweight funds to chase.