$28.05

-0.16 (-0.57%)

Weekly Expected Move ±3.1%

$25 $26 $27 $27 $28

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Strong Buy · Power 69 · $704.9M mcap · 23M float · 0.639% daily turnover · Short 43% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

54.3 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 2.9% · 5Y Avg: 6.6%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. ALRS shows a Weak competitive edge (54.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 2.9% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$28

Low

$28

Avg Target

$28

High

Based on 1 analyst since Apr 29, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 0Hold: 4Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$28.50

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-01	Piper Sandler	Nathan Race	$23	$28	+6	+5.8%	$26.94
2026-01-30	Raymond James	David Long	$27	$29	+2	+18.8%	$24.42
2026-01-05	Raymond James	David Long	$24	$27	+3	+20.3%	$22.45
2024-10-31	Piper Sandler	Nathan Race	$24	$23	-1	+12.7%	$20.40
2024-09-17	Raymond James	Wallave William IV	Initiated	$24	—	+7.2%	$22.39
2024-07-29	Piper Sandler	Nathan Race	$22	$24	+2	+7.3%	$22.37
2024-05-16	D.A. Davidson	Jeffrey Rulis	Initiated	$22	—	+11.4%	$19.74
2024-05-16	Piper Sandler	Nathan Race	$24	$22	-1	+14.5%	$19.65
2024-04-29	Piper Sandler	Nathan Race	Initiated	$24	—	+16.9%	$20.10

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. ALRS receives an overall rating of B-. Strongest factors: DCF (4/5). Areas of concern: ROE (2/5), D/E (2/5), P/E (1/5).

Rating Change History

Date	From	To
2026-05-01	C+	B-
2026-04-29	B-	C+
2026-04-22	B	B-
2026-04-16	B-	B
2026-04-10	B	B-
2026-04-08	B-	B
2026-02-03	B+	B-
2026-01-03	B	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 53 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. ALRS scores highest in Earnings Quality (91/100) and lowest in Balance Sheet (23/100). An overall grade of A places ALRS among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

1.84

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓ ✗

Beneish M-Score

-3.17

Unlikely Manipulator

Ohlson O-Score

-4.80

Bankruptcy prob: 0.8%

Low Risk

Credit Rating

Score: 44.0/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 3.23x

Accruals: -1.2%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. ALRS scores 1.84, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. ALRS scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. ALRS's score of -3.17 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. ALRS's implied 0.8% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. ALRS receives an estimated rating of BB (score: 44.0/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). ALRS's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

26.29x

PEG

-2.14x

P/S

2.13x

P/B

1.24x

P/FCF

6.95x

P/OCF

6.87x

EV/EBITDA

19.97x

EV/Revenue

2.95x

EV/EBIT

27.60x

EV/FCF

11.24x

Earnings Yield

4.50%

FCF Yield

14.38%

Shareholder Yield

4.65%

Graham Number

$23.11

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 26.3x earnings, ALRS commands a growth premium. Graham's intrinsic value formula yields $23.11 per share, 21% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.768

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.107

EBIT / Rev

Asset Turnover

0.063

Rev / Assets

Equity Multiplier

9.895

Assets / Equity

ROE

5.1%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. ALRS's ROE of 5.1% is driven by financial leverage (equity multiplier: 9.89x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

11.07%

Fair P/E

30.64x

Intrinsic Value

$32.68

Price/Value

0.73x

Margin of Safety

27.45%

Premium

-27.45%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with ALRS's realized 11.1% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $32.68, ALRS appears undervalued with a 27% margin of safety. The adjusted fair P/E of 30.6x compares to the current market P/E of 26.3x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$28.05

Median 1Y

$28.57

5th Pctile

$15.80

95th Pctile

$51.86

Ann. Volatility

34.5%

Analyst Target

$28.50

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Katie A. Lorenson President and Chief Executive Officer	$625,000	$437,500	$1,630,180
Jim R. Collins Executive Vice President and Chief Banking and Revenue Officer	$465,000	$186,000	$967,397
Karin M. Taylor Executive Vice President and Chief Operating Officer	$405,000	$162,000	$848,787
Forrest R. Wilson Executive Vice President and Chief Retirement Services Officer	$390,000	$156,000	$816,197
Alan A. Villalon Executive Vice President and Chief Financial Officer	$360,000	$162,000	$768,688

CEO Pay Ratio

14:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,630,180

Avg Employee Cost (SGA/emp): $117,238

Employees: 864

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

864

-3.1% YoY

Revenue / Employee

$379,462

Rev: $327,855,000

Profit / Employee

$20,184

NI: $17,439,000

SGA / Employee

$117,238

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	17.8%	16.3%	15.3%	13.8%	13.1%	12.1%	11.2%	10.6%	10.6%	10.4%	3.2%	2.7%	1.9%	0.8%	4.1%	5.7%	8.9%	11.7%	3.3%	5.1%	5.11%
ROA	2.0%	1.9%	1.6%	1.5%	1.4%	1.3%	1.1%	1.1%	1.1%	1.0%	0.3%	0.3%	0.2%	0.1%	0.4%	0.5%	0.8%	1.1%	0.3%	0.5%	0.52%
ROIC	-14.9%	-13.6%	-7.8%	-7.1%	-6.7%	-6.2%	1.7%	1.6%	1.6%	1.5%	8.9%	7.6%	5.4%	2.4%	10.9%	15.1%	23.7%	30.9%	1.9%	2.9%	2.89%
ROCE	18.1%	16.6%	16.3%	14.7%	13.9%	12.9%	12.4%	11.8%	11.7%	11.4%	3.2%	2.8%	2.1%	1.1%	3.6%	5.0%	7.8%	10.2%	0.5%	0.7%	0.72%
Gross Margin	97.5%	1.0%	1.0%	97.3%	96.9%	93.3%	85.4%	76.5%	72.5%	69.0%	45.2%	63.7%	58.1%	60.8%	57.6%	70.7%	72.9%	72.2%	22.9%	82.4%	82.44%
Operating Margin	26.4%	29.9%	29.1%	25.2%	22.6%	21.3%	23.9%	16.8%	17.7%	16.5%	-39.6%	11.5%	10.2%	8.5%	-0.3%	18.4%	26.0%	22.2%	-1.3%	30.9%	30.92%
Net Margin	20.1%	22.8%	22.1%	19.6%	17.5%	16.3%	18.0%	13.1%	13.8%	13.1%	-32.8%	8.7%	7.8%	6.5%	-0.1%	14.0%	20.0%	17.1%	-1.0%	23.5%	23.48%
EBITDA Margin	30.2%	33.6%	32.8%	29.2%	26.1%	24.9%	27.5%	20.1%	23.3%	16.8%	-38.8%	14.4%	12.9%	11.3%	8.4%	22.4%	29.8%	27.5%	-1.2%	30.9%	30.92%
FCF Margin	32.8%	47.1%	62.5%	56.9%	36.7%	38.0%	45.0%	26.6%	38.2%	27.4%	8.3%	13.5%	2.0%	3.2%	5.0%	3.2%	9.1%	14.2%	20.3%	26.2%	26.21%
OCF Margin	33.7%	47.9%	63.2%	57.6%	37.5%	38.9%	45.8%	27.7%	39.2%	28.2%	9.5%	14.6%	4.4%	6.4%	8.8%	7.1%	12.6%	15.5%	20.6%	26.5%	26.52%
ROE 3Y Avg	snapshot only																				4.15%
ROE 5Y Avg	snapshot only																				7.27%
ROA 3Y Avg	snapshot only																				0.41%
ROIC 3Y Avg	snapshot only																				2.51%
ROIC Economic	snapshot only																				2.71%
Cash ROA	snapshot only																				1.68%
Cash ROIC	snapshot only																				9.36%
CROIC	snapshot only																				9.25%
NOPAT Margin	snapshot only																				8.20%
Pretax Margin	snapshot only																				10.68%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				34.46%
SBC / Revenue	snapshot only																				0.64%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	7.99	9.03	8.46	8.89	8.14	9.52	10.59	7.75	8.82	9.05	35.73	41.33	53.10	143.82	26.45	18.86	14.22	11.29	32.80	22.23	26.292
P/S Ratio	1.74	1.88	1.89	1.88	1.68	1.80	1.89	1.25	1.34	1.31	1.72	1.61	1.39	1.58	1.42	1.32	1.47	1.45	1.74	1.82	2.133
P/B Ratio	1.32	1.37	1.24	1.18	1.03	1.11	1.19	0.83	0.93	0.95	1.13	1.11	1.01	1.20	0.95	0.94	1.11	1.15	1.01	1.07	1.240
P/FCF	5.30	3.99	3.02	3.31	4.56	4.73	4.19	4.70	3.52	4.77	20.62	11.94	70.67	48.76	28.31	40.70	16.23	10.23	8.60	6.95	6.953
P/OCF	5.16	3.93	2.99	3.27	4.47	4.62	4.11	4.51	3.43	4.63	18.02	11.02	32.01	24.76	16.22	18.62	11.74	9.38	8.47	6.87	6.872
EV/EBITDA	-3.23	-3.29	-7.53	-8.60	-9.89	-10.15	1.50	-0.66	0.01	0.10	8.10	8.54	8.95	16.25	3.61	2.72	3.17	2.73	23.66	19.97	19.974
EV/Revenue	-1.04	-1.02	-2.49	-2.71	-3.02	-2.87	0.40	-0.16	0.00	0.02	0.74	0.68	0.51	0.73	0.42	0.38	0.58	0.60	2.88	2.95	2.947
EV/EBIT	-3.64	-3.74	-8.50	-9.78	-11.27	-11.67	1.74	-0.77	0.01	0.11	11.36	12.47	13.14	36.13	5.93	4.12	4.32	3.61	41.76	27.60	27.600
EV/FCF	-3.17	-2.17	-3.98	-4.76	-8.22	-7.54	0.90	-0.61	0.01	0.08	8.89	5.03	25.76	22.49	8.28	11.61	6.43	4.26	14.19	11.24	11.244
Earnings Yield	12.5%	11.1%	11.8%	11.2%	12.3%	10.5%	9.4%	12.9%	11.3%	11.0%	2.8%	2.4%	1.9%	0.7%	3.8%	5.3%	7.0%	8.9%	3.0%	4.5%	4.50%
FCF Yield	18.9%	25.0%	33.1%	30.2%	21.9%	21.2%	23.9%	21.3%	28.4%	21.0%	4.9%	8.4%	1.4%	2.1%	3.5%	2.5%	6.2%	9.8%	11.6%	14.4%	14.38%
Price/Tangible Book	snapshot only																				1.350
EV/OCF	snapshot only																				11.113
EV/Gross Profit	snapshot only																				4.172
Acquirers Multiple	snapshot only																				27.600
Shareholder Yield	snapshot only																				4.65%
Graham Number	snapshot only																				$23.11

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.30	0.30	0.38	0.38	0.38	0.38	0.25	0.25	0.25	0.25	0.20	0.20	0.20	0.20	0.15	0.15	0.15	0.15	0.29	0.29	0.288
Quick Ratio	0.30	0.30	0.38	0.38	0.38	0.38	0.25	0.25	0.25	0.25	0.20	0.20	0.20	0.20	0.15	0.15	0.15	0.15	0.29	0.29	0.288
Debt/Equity	0.20	0.20	0.18	0.18	0.18	0.18	1.24	1.24	1.24	1.24	1.03	1.03	1.03	1.03	0.64	0.64	0.64	0.64	0.78	0.78	0.780
Net Debt/Equity	-2.12	-2.12	-2.87	-2.87	-2.87	-2.87	-0.93	-0.93	-0.93	-0.93	-0.64	-0.64	-0.64	-0.64	-0.67	-0.67	-0.67	-0.67	0.66	0.66	0.658
Debt/Assets	0.02	0.02	0.02	0.02	0.02	0.02	0.12	0.12	0.12	0.12	0.10	0.10	0.10	0.10	0.06	0.06	0.06	0.06	0.08	0.08	0.084
Debt/EBITDA	0.82	0.89	0.81	0.89	0.94	1.01	7.33	7.65	7.46	7.85	17.04	18.69	24.88	30.25	8.33	6.50	4.62	3.65	11.05	9.04	9.036
Net Debt/EBITDA	-8.63	-9.36	-13.26	-14.59	-15.37	-16.51	-5.51	-5.75	-5.61	-5.90	-10.69	-11.73	-15.61	-18.98	-8.73	-6.81	-4.84	-3.83	9.32	7.62	7.622
Interest Coverage	9.84	10.61	12.43	10.99	10.04	6.46	3.29	1.73	1.09	0.77	0.21	0.15	0.10	0.05	0.20	0.28	0.45	0.59	0.21	0.35	0.345
Equity Multiplier	9.13	9.13	9.44	9.44	9.44	9.44	10.59	10.59	10.59	10.59	10.59	10.59	10.59	10.59	10.62	10.62	10.62	10.62	9.26	9.26	9.258
Cash Ratio	snapshot only																				0.223
Debt Service Coverage	snapshot only																				0.477
Cash to Debt	snapshot only																				0.157
FCF to Debt	snapshot only																				0.197
Defensive Interval	snapshot only																				167.1 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.09	0.09	0.07	0.07	0.07	0.07	0.06	0.07	0.07	0.07	0.06	0.07	0.07	0.07	0.07	0.08	0.08	0.09	0.06	0.06	0.063
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	29.21	27.97	25.91	24.70	24.16	24.32	20.99	21.99	23.18	24.19	17.03	17.82	18.80	19.51	18.47	19.67	20.86	21.93	15.68	15.80	15.802
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	12	13	14	15	15	15	17	17	16	15	21	20	19	19	20	19	17	17	23	23	23.1 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	12	13	14	15	15	15	17	17	16	15	21	20	19	19	20	19	17	17	23	23	—
Fixed Asset Turnover	snapshot only																				4.588
Cash Velocity	snapshot only																				4.792
Capital Intensity	snapshot only																				15.829

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	17.7%	5.0%	-1.7%	-11.4%	-12.6%	-8.0%	-4.7%	4.7%	12.9%	17.0%	8.3%	8.2%	8.3%	7.6%	35.9%	38.2%	38.9%	40.7%	-0.8%	-6.1%	-6.07%
Net Income	73.3%	19.0%	17.9%	-12.6%	-17.4%	-16.7%	-24.1%	-20.2%	-16.4%	-10.6%	-70.8%	-73.8%	-81.4%	-91.8%	51.8%	1.5%	4.5%	15.4%	-1.8%	10.0%	9.96%
EPS	72.8%	18.7%	17.7%	-12.8%	-17.5%	-27.9%	-34.4%	-31.1%	-27.6%	-10.0%	-70.4%	-73.5%	-81.2%	-91.8%	20.7%	93.1%	3.3%	11.8%	-2.8%	11.1%	11.07%
FCF	12.8%	20.8%	6.7%	1.5%	-2.1%	-25.8%	-31.4%	-51.0%	17.4%	-15.8%	-80.0%	-45.1%	-94.4%	-87.2%	-18.2%	-66.8%	5.4%	5.2%	3.0%	6.6%	6.58%
EBITDA	61.8%	16.8%	15.5%	-12.3%	-17.0%	-16.2%	-22.4%	-18.3%	-11.7%	-9.8%	-63.2%	-65.0%	-74.3%	-77.8%	71.1%	1.4%	3.5%	5.9%	4.8%	-0.1%	-0.11%
Op. Income	74.8%	19.4%	18.0%	-13.0%	-17.9%	-17.2%	-24.5%	-20.3%	-16.5%	-11.4%	-69.6%	-72.0%	-78.9%	-88.3%	46.1%	1.3%	3.9%	10.7%	-2.4%	9.6%	9.58%
OCF Growth	snapshot only																				2.51%
Asset Growth	snapshot only																				-0.60%
Equity Growth	snapshot only																				14.03%
Debt Growth	snapshot only																				38.96%
Shares Change	snapshot only																				-0.99%
Dividend Growth	snapshot only																				24.26%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	11.1%	9.0%	7.7%	5.3%	3.6%	3.1%	3.2%	4.6%	5.1%	4.1%	0.4%	0.1%	2.2%	5.0%	11.9%	16.1%	19.3%	21.0%	13.4%	12.0%	11.97%
Revenue 5Y	11.1%	9.5%	7.9%	6.5%	5.5%	4.9%	4.9%	5.5%	6.3%	6.9%	5.2%	5.7%	6.3%	6.7%	10.1%	11.3%	11.8%	11.3%	6.4%	5.4%	5.43%
EPS 3Y	33.6%	24.7%	17.9%	14.6%	8.9%	2.7%	5.2%	4.7%	1.0%	-8.3%	-38.9%	-45.8%	-51.8%	-62.4%	-38.3%	-29.3%	-16.4%	-1.7%	-29.7%	-17.2%	-17.17%
EPS 5Y	27.1%	28.6%	24.1%	18.8%	15.3%	7.6%	12.4%	8.7%	7.3%	4.7%	-20.5%	-22.7%	-29.4%	-39.6%	-16.1%	-10.1%	-3.6%	-4.1%	-23.1%	-19.3%	-19.33%
Net Income 3Y	43.9%	34.1%	26.8%	23.3%	17.1%	14.4%	10.6%	10.1%	6.2%	-3.9%	-36.0%	-43.3%	-49.5%	-60.6%	-30.4%	-19.7%	-5.1%	6.5%	-24.2%	-10.7%	-10.67%
Net Income 5Y	32.9%	34.4%	29.7%	24.3%	20.6%	15.8%	21.0%	17.0%	15.5%	12.4%	-14.7%	-17.1%	-24.2%	-35.7%	-9.7%	-2.8%	4.1%	3.7%	-17.2%	-13.1%	-13.05%
EBITDA 3Y	27.1%	23.0%	26.2%	21.5%	14.7%	11.0%	8.2%	7.9%	5.8%	-4.1%	-30.9%	-36.9%	-42.7%	-44.8%	-21.2%	-11.7%	0.7%	11.5%	-12.9%	-5.6%	-5.55%
EBITDA 5Y	22.5%	20.5%	18.2%	14.5%	10.4%	7.4%	7.1%	6.1%	8.5%	7.1%	-10.5%	-12.5%	-19.3%	-22.8%	-4.4%	1.1%	6.5%	6.3%	-10.0%	-9.6%	-9.59%
Gross Profit 3Y	13.1%	12.2%	11.7%	9.6%	7.8%	6.7%	5.3%	4.7%	2.6%	-1.3%	-8.9%	-11.5%	-12.2%	-11.6%	-5.4%	-0.7%	4.1%	7.8%	1.8%	4.2%	4.22%
Gross Profit 5Y	11.6%	10.7%	9.1%	7.5%	6.4%	5.4%	4.7%	4.3%	4.1%	3.3%	-0.5%	-0.7%	-1.4%	-1.7%	2.1%	4.0%	5.6%	5.7%	0.3%	-0.2%	-0.22%
Op. Income 3Y	30.7%	24.3%	27.9%	23.7%	16.8%	13.6%	10.3%	10.0%	6.2%	-4.3%	-35.3%	-42.1%	-47.5%	-55.9%	-30.5%	-19.7%	-5.1%	6.5%	-24.3%	-10.7%	-10.73%
Op. Income 5Y	31.7%	31.3%	26.7%	21.4%	15.6%	11.2%	9.6%	7.6%	8.9%	7.1%	-13.7%	-15.8%	-22.4%	-31.4%	-9.9%	-2.9%	4.2%	3.6%	-17.3%	-13.2%	-13.20%
FCF 3Y	20.4%	24.9%	34.6%	40.2%	33.3%	51.4%	83.6%	—	1.5%	—	—	-11.9%	-60.0%	-56.9%	-51.7%	-55.3%	-25.1%	-12.9%	-13.1%	11.4%	11.36%
FCF 5Y	51.9%	—	30.3%	19.7%	10.3%	2.3%	17.6%	5.3%	15.0%	4.0%	-19.6%	-5.8%	-31.1%	-17.9%	0.3%	—	41.4%	—	—	11.5%	11.46%
OCF 3Y	19.7%	24.1%	33.2%	37.7%	29.6%	45.2%	74.9%	—	1.2%	—	—	-11.5%	-48.3%	-46.3%	-42.1%	-42.2%	-17.2%	-11.0%	-13.1%	10.3%	10.30%
OCF 5Y	43.1%	—	32.2%	20.8%	11.6%	3.2%	16.5%	5.1%	14.5%	3.9%	-18.1%	-5.6%	-21.0%	-8.7%	8.5%	—	39.2%	—	—	10.3%	10.27%
Assets 3Y	12.1%	12.1%	15.9%	15.9%	15.9%	15.9%	17.0%	17.0%	17.0%	17.0%	9.0%	9.0%	9.0%	9.0%	15.8%	15.8%	15.8%	15.8%	11.4%	11.4%	11.43%
Assets 5Y	11.6%	11.6%	10.6%	10.6%	10.6%	10.6%	12.1%	12.1%	12.1%	12.1%	12.4%	12.4%	12.4%	12.4%	17.4%	17.4%	17.4%	17.4%	11.7%	11.7%	11.66%
Equity 3Y	22.3%	22.3%	22.2%	22.2%	22.2%	22.2%	7.7%	7.7%	7.7%	7.7%	3.8%	3.8%	3.8%	3.8%	11.3%	11.3%	11.3%	11.3%	16.5%	16.5%	16.55%
Book Value 3Y	13.6%	13.7%	13.7%	13.7%	13.6%	9.7%	2.4%	2.4%	2.5%	2.7%	-0.8%	-0.8%	-0.8%	-0.9%	-1.4%	-2.0%	-2.0%	2.7%	8.0%	8.1%	8.06%
Dividend 3Y	-6.4%	-6.5%	-5.9%	-5.4%	-4.9%	-6.5%	0.8%	2.4%	4.3%	2.1%	-0.2%	-1.9%	-4.4%	-3.6%	-9.7%	-8.1%	-5.2%	1.0%	2.4%	-0.3%	-0.32%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.96	0.99	0.94	0.76	0.72	0.74	0.69	0.61	0.67	0.74	0.59	0.55	0.68	0.82	0.66	0.71	0.71	0.66	0.63	0.56	0.563
Earnings Stability	0.84	0.95	0.95	0.83	0.82	0.80	0.74	0.55	0.51	0.44	0.01	0.03	0.10	0.22	0.33	0.29	0.14	0.10	0.70	0.59	0.586
Margin Stability	0.96	0.96	0.95	0.95	0.95	0.95	0.95	0.95	0.93	0.90	0.86	0.85	0.82	0.80	0.79	0.80	0.80	0.80	0.80	0.81	0.814
Rev. Growth Consistency	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.000
Earn. Growth Consistency	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	1.00	1.000
FCF Positive Streak	1	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.92	0.93	0.95	0.93	0.93	0.90	0.92	0.93	0.96	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.99	0.96	0.960
Earnings Smoothness	0.46	0.83	0.84	0.87	0.81	0.82	0.73	0.77	0.82	0.89	0.00	0.00	0.00	0.00	0.59	0.15	0.00	0.00	0.98	0.91	0.905
ROE Trend	0.04	0.01	0.03	0.00	-0.01	-0.03	-0.03	-0.04	-0.04	-0.03	-0.10	-0.09	-0.10	-0.10	-0.04	-0.02	0.02	0.05	-0.00	0.01	0.010
Gross Margin Trend	0.07	0.10	0.10	0.09	0.08	0.04	-0.02	-0.08	-0.15	-0.22	-0.29	-0.29	-0.30	-0.28	-0.20	-0.14	-0.05	0.02	0.03	0.08	0.076
FCF Margin Trend	0.23	0.42	0.64	0.48	0.19	0.16	0.19	-0.12	0.03	-0.15	-0.45	-0.28	-0.36	-0.29	-0.22	-0.17	-0.11	-0.01	0.14	0.18	0.178
Sustainable Growth Rate	14.4%	12.9%	12.2%	10.6%	9.9%	8.7%	7.6%	6.8%	6.5%	6.3%	-0.8%	-1.3%	-2.1%	-3.3%	0.5%	1.8%	4.7%	7.1%	-0.6%	1.2%	1.18%
Internal Growth Rate	1.7%	1.5%	1.3%	1.2%	1.1%	0.9%	0.8%	0.7%	0.7%	0.6%	—	—	—	—	0.1%	0.2%	0.4%	0.7%	—	0.1%	0.12%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.55	2.30	2.83	2.72	1.82	2.06	2.57	1.72	2.57	1.95	1.98	3.75	1.66	5.81	1.63	1.01	1.21	1.20	3.87	3.23	3.234
FCF/OCF	0.97	0.98	0.99	0.99	0.98	0.98	0.98	0.96	0.98	0.97	0.87	0.92	0.45	0.51	0.57	0.46	0.72	0.92	0.98	0.99	0.988
FCF/Net Income	snapshot only																				3.196
OCF/EBITDA	snapshot only																				1.797
CapEx/Revenue	0.9%	0.8%	0.7%	0.7%	0.8%	0.9%	0.8%	1.1%	1.0%	0.8%	1.2%	1.1%	2.4%	3.1%	3.7%	3.9%	3.5%	1.3%	0.3%	0.3%	0.31%
CapEx/Depreciation	snapshot only																				0.076
Accruals Ratio	-0.01	-0.02	-0.03	-0.03	-0.01	-0.01	-0.02	-0.01	-0.02	-0.01	-0.00	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.012
Sloan Accruals	snapshot only																				0.700
Cash Flow Adequacy	snapshot only																				4.011
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	2.4%	2.3%	2.4%	2.6%	3.0%	3.0%	3.0%	4.6%	4.4%	4.3%	3.5%	3.6%	3.9%	3.4%	3.3%	3.6%	3.3%	3.5%	3.6%	3.5%	2.99%
Dividend/Share	$0.59	$0.60	$0.62	$0.62	$0.63	$0.59	$0.63	$0.67	$0.72	$0.73	$0.73	$0.74	$0.73	$0.75	$0.61	$0.65	$0.71	$0.77	$0.82	$0.82	$0.84
Payout Ratio	19.0%	21.1%	20.4%	22.9%	24.6%	28.6%	32.0%	35.9%	38.8%	39.2%	1.2%	1.5%	2.1%	4.9%	87.0%	68.0%	47.4%	39.1%	1.2%	76.9%	76.87%
FCF Payout Ratio	12.6%	9.3%	7.3%	8.5%	13.8%	14.2%	12.7%	21.7%	15.5%	20.7%	72.0%	42.8%	2.8%	1.7%	93.1%	1.5%	54.1%	35.4%	31.3%	24.0%	24.05%
Total Payout Ratio	20.1%	22.3%	21.8%	24.8%	26.7%	30.7%	33.8%	37.2%	47.6%	51.5%	1.8%	2.1%	2.6%	5.7%	88.5%	69.0%	48.2%	40.2%	1.2%	1.0%	1.03%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.05	0.04	0.06	0.08	0.10	0.16	0.22	0.29	0.36	0.27	0.18	0.12	0.04	0.06	0.09	0.17	0.28	0.35	0.38	0.28	0.277
Buyback Yield	0.1%	0.1%	0.2%	0.2%	0.3%	0.2%	0.2%	0.2%	1.0%	1.4%	1.6%	1.6%	0.9%	0.5%	0.1%	0.1%	0.1%	0.1%	0.1%	1.2%	1.19%
Net Buyback Yield	0.1%	0.1%	0.2%	0.2%	0.3%	0.2%	0.2%	0.2%	1.0%	1.4%	1.6%	1.6%	0.9%	0.5%	0.1%	0.1%	0.1%	0.1%	0.1%	1.2%	1.19%
Total Shareholder Return	2.5%	2.5%	2.6%	2.8%	3.3%	3.2%	3.2%	4.8%	5.4%	5.7%	5.1%	5.2%	4.9%	3.9%	3.3%	3.7%	3.4%	3.6%	3.8%	4.6%	4.65%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.76	0.76	0.76	0.77	0.77	0.77	0.77	0.77	0.77	0.78	0.74	0.72	0.68	0.54	0.77	0.77	0.77	0.77	0.77	0.77	0.768
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.29	0.27	0.29	0.28	0.27	0.25	0.23	0.21	0.20	0.19	0.07	0.05	0.04	0.02	0.07	0.09	0.14	0.17	0.07	0.11	0.107
Asset Turnover	0.09	0.09	0.07	0.07	0.07	0.07	0.06	0.07	0.07	0.07	0.06	0.07	0.07	0.07	0.07	0.08	0.08	0.09	0.06	0.06	0.063
Equity Multiplier	8.72	8.72	9.29	9.29	9.29	9.29	10.01	10.01	10.01	10.01	10.59	10.59	10.59	10.59	10.61	10.61	10.61	10.61	9.89	9.89	9.895

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$3.13	$2.87	$3.01	$2.72	$2.58	$2.07	$1.98	$1.88	$1.87	$1.86	$0.58	$0.50	$0.35	$0.15	$0.71	$0.96	$1.51	$1.96	$0.69	$1.07	$1.07
Book Value/Share	$18.87	$18.87	$20.56	$20.54	$20.50	$17.77	$17.64	$17.63	$17.63	$17.76	$18.46	$18.47	$18.41	$18.39	$19.70	$19.31	$19.31	$19.27	$22.24	$22.24	$22.63
Tangible Book/Share	$15.55	$15.55	$17.49	$17.47	$17.44	$15.12	$14.07	$14.06	$14.06	$14.17	$15.16	$15.17	$15.12	$15.10	$14.24	$13.95	$13.95	$13.92	$17.56	$17.56	$17.56
Revenue/Share	$14.37	$13.75	$13.49	$12.84	$12.54	$10.94	$11.10	$11.62	$12.26	$12.89	$12.16	$12.74	$13.40	$13.88	$13.14	$13.71	$14.54	$15.25	$12.91	$13.01	$13.01
FCF/Share	$4.72	$6.48	$8.43	$7.31	$4.61	$4.16	$5.00	$3.10	$4.68	$3.53	$1.01	$1.72	$0.26	$0.45	$0.66	$0.45	$1.32	$2.17	$2.62	$3.41	$3.41
OCF/Share	$4.84	$6.59	$8.53	$7.40	$4.71	$4.26	$5.09	$3.23	$4.80	$3.63	$1.16	$1.87	$0.58	$0.89	$1.15	$0.97	$1.83	$2.36	$2.66	$3.45	$3.45
Cash/Share	$43.74	$43.73	$62.70	$62.63	$62.51	$54.17	$38.33	$38.31	$38.32	$38.59	$30.84	$30.85	$30.75	$30.72	$25.82	$25.31	$25.31	$25.25	$2.71	$2.71	$5.07
EBITDA/Share	$4.63	$4.27	$4.46	$4.05	$3.83	$3.09	$2.99	$2.86	$2.93	$2.81	$1.11	$1.01	$0.76	$0.62	$1.51	$1.90	$2.67	$3.37	$1.57	$1.92	$1.92
Debt/Share	$3.81	$3.81	$3.62	$3.61	$3.61	$3.12	$21.89	$21.87	$21.88	$22.04	$18.95	$18.96	$18.90	$18.87	$12.61	$12.36	$12.36	$12.33	$17.35	$17.35	$17.35
Net Debt/Share	$-39.93	$-39.93	$-59.08	$-59.01	$-58.91	$-51.05	$-16.45	$-16.43	$-16.44	$-16.56	$-11.89	$-11.90	$-11.86	$-11.84	$-13.21	$-12.95	$-12.95	$-12.92	$14.63	$14.63	$14.63

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.843
Altman Z-Prime	snapshot only																				0.073
Piotroski F-Score	8	7	7	5	5	5	4	4	5	6	6	6	6	6	7	7	7	7	4	7	7
Beneish M-Score	-2.43	-2.44	-2.26	-2.15	-2.16	-2.16	-1.91	-1.84	-1.82	-1.79	-1.72	-2.18	-2.13	-2.22	-1.91	-2.38	-2.47	-2.44	-2.44	-3.17	-3.174
Ohlson O-Score	snapshot only																				-4.797
Net-Net WC	snapshot only																				$-180.18
EVA	snapshot only																				$-66557000.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				BB
Credit Score	93.56	93.51	93.52	91.29	91.51	91.47	63.39	55.61	57.58	56.65	43.45	34.53	33.52	33.45	38.81	41.96	48.92	52.89	34.96	44.03	44.032
Credit Grade	snapshot only																				12
Credit Trend	snapshot only																				2.072
Implied Spread (bps)	snapshot only																				475.000
Industry Credit Rank	snapshot only																				21
Sector Credit Rank	snapshot only																				30

ALRS NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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