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AGBK vs CRF

AGBK
AGI Inc
NEUTRAL
Price
$7.45
Market Cap
$1.19B
Sector
Financial Services
AI Confidence
80%
CRF
Cornerstone Total Return Fund, Inc.
NEUTRAL
Price
$7.15
Market Cap
$1.16B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AGBK
5.78
CRF
7.01
Forward P/E
AGBK
3.65
CRF
--
P/B Ratio
AGBK
9.64
CRF
1.1
P/S Ratio
AGBK
0.31
CRF
85.05
EV/EBITDA
AGBK
--
CRF
--

Profitability

Gross Margin
AGBK
72.1%
CRF
100.0%
Operating Margin
AGBK
26.75%
CRF
9.3%
Profit Margin
AGBK
26.71%
CRF
1191.01%
ROE
AGBK
36.38%
CRF
17.77%
ROA
AGBK
2.71%
CRF
0.23%

Growth

Revenue Growth
AGBK
-11.0%
CRF
1228.2%
Earnings Growth
AGBK
-8.0%
CRF
26.8%

Financial Health

Debt/Equity
AGBK
4.71
CRF
--
Current Ratio
AGBK
1.57
CRF
0.58
Quick Ratio
AGBK
1.52
CRF
0.56

Dividends

Dividend Yield
AGBK
--
CRF
19.67%
Payout Ratio
AGBK
0.0%
CRF
136.79%

AI Verdict

AGBK NEUTRAL

AGBK presents a stark contradiction between fundamental valuation and market performance. While the Piotroski F-Score of 5/9 indicates stable financial health and the P/E (5.78) and PEG (0.18) ratios suggest significant undervaluation, the stock is in a severe technical downtrend with a -30.7% return across all major timeframes. The high Price-to-Book ratio (9.64) is an anomaly for a regional bank and suggests the market is skeptical of the book value or expects further equity erosion. Despite a 'Strong Buy' analyst consensus, the lack of growth and bearish price action warrant a neutral stance.

Strengths
Exceptionally low PEG ratio (0.18) suggesting growth is undervalued
Strong Return on Equity (ROE) of 36.38%
Low P/E ratio (5.78) compared to sector average
Risks
Severe bearish technical trend (0/100 score)
Negative YoY Revenue (-11%) and Earnings (-8%) growth
Alarmingly high Price-to-Book ratio (9.64) for a regional bank
CRF NEUTRAL

CRF presents a complex profile with a stable Piotroski F-Score of 4/9 and a significant valuation gap, trading well below its Graham Number ($12.23) and Intrinsic Value ($30.09). While the fund shows strong historical price performance and a very low P/E of 7.01, the technical trend is currently 0/100 (Bearish). The most critical concern is the unsustainable dividend payout ratio of 136.79%, suggesting the 19.67% yield is likely supported by return of capital rather than organic earnings.

Strengths
Significant undervaluation relative to Graham Number ($12.23)
Very low P/E ratio (7.01) compared to sector average (38.87)
Strong long-term price appreciation (5Y Change: +53.8%)
Risks
Unsustainable dividend payout ratio (136.79%)
Bearish technical trend (0/100)
Low liquidity/current ratio (0.58)

Compare Another Pair

AGBK vs CRF: Head-to-Head Comparison

This page compares AGI Inc (AGBK) and Cornerstone Total Return Fund, Inc. (CRF) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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