GUARANTY STATE BANK & TRUST Credit Rating

BOSTON (AI Credit Rating Terminal) Fri Feb 26 2021 15:49:03 GMT+0000 (Coordinated Universal Time) AI Credit Ratings today took the rating actions below:

Rating Action Overview


We rerated GUARANTY STATE BANK & TRUST because In addition to the risk weight based on revenues by business line, we apply a risk weight of 6.25% to cash and money market . (We use econometric methods for period (n+1) simulate with Ichimoku Cloud (IKH) Independent T-Test). Given the earnings volatility companies experience, we have specified for these issuers a more stringent decline in EBITDA percentage for each liquidity category to the extent our cash flow forecasts are not already assuming a downside scenario. Credit Rating AI Process rely on primary sources of information: Sec Filings, Financial Statements, Credit Ratings, Semantic Signals. Take a look at Machine Learning section for Financial Deep Reinforcement Learning.Oscillators are used for generating credit risk signals by using the semantic and financial signals. The value of the oscillators indicate the strength of trend. Using the correlation matrices, the credit rating risk map for GUARANTY STATE BANK & TRUST as below:

Credit Ratings for GUARANTY STATE BANK & TRUST as of 26 Feb 2021


Credit Rating Short-Term Long-Term Senior
AI Rating Class*B3B1
Semantic Signals3761
Financial Signals6950
Risk Signals3267
Substantial Risks4673
Speculative Signals5042

*Machine Learning utilizes multiple learning algorithms to obtain better predictive powers. In our research, we utilize machine learning to combine the results from the Neural Network and Support Vector Machines.
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Disclaimers: AC Investment Inc. currently does not act as an equities executing broker, credit rating agency or route orders containing equities securities. In our Machine Learning experiment, we focus on an approach known as Decision making using game theory. We apply principles from game theory to model the relationships between rating actions, news, market signals and decision making.The rating information provided is for informational, non-commercial purposes only, does not constitute investment advice and is subject to conditions available in our Legal Disclaimer. Usage as a credit rating or as a benchmark is not permitted.

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