Also trades as: AUBAP (NASDAQ) · $vol 0M

$37.56

+0.26 (+0.70%)

Weekly Expected Move ±3.5%

$34 $35 $36 $38 $39

NYSE · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 60 · $5.4B mcap · 142M float · 0.745% daily turnover · Short 56% of daily vol

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

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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

45.9 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 16.8% · 5Y Avg: -15.9%

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. AUB shows a Weak competitive edge (45.9/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 16.8% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

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

Low

$44

Avg Target

$44

High

Based on 9 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 1Buy: 10Hold: 7Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$43.72

Analysts9

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-02-05	Piper Sandler	—	$38	$48	+10	+15.3%	$41.18
2026-01-26	Stephens	—	$46	$45	-1	+16.9%	$38.48
2025-12-11	Raymond James	—	$40	$45	+5	+22.3%	$36.78
2025-12-11	Morgan Stanley	—	$41	$44	+3	+20.9%	$36.40
2025-10-24	Raymond James	Steve Moss	$43	$40	-3	+18.7%	$33.71
2025-10-03	Raymond James	—	$42	$43	+1	+22.4%	$35.12
2025-09-29	Morgan Stanley	—	Initiated	$41	—	+14.0%	$35.97
2025-09-24	National Bank	—	Initiated	$46	—	+29.0%	$35.67
2025-07-30	Raymond James	—	Initiated	$42	—	+30.3%	$32.23
2025-05-20	Jefferies	David Chiaverini	Initiated	$37	—	+21.8%	$30.37
2024-10-22	Stephens	Russell Guthner	Initiated	$46	—	+27.0%	$36.21
2024-04-29	Piper Sandler	Casey Orr Whitman	$43	$38	-5	+16.0%	$32.76
2022-11-29	Hovde Group	—	Initiated	$41	—	+18.4%	$34.63
2022-04-22	Piper Sandler	—	Initiated	$43	—	+15.7%	$37.16

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. AUB receives an overall rating of B+. Strongest factors: DCF (4/5). Areas of concern: P/E (2/5).

Rating Change History

Date	From	To
2026-05-18	B	B+
2026-05-04	B+	B
2026-04-23	A-	B+
2026-04-22	B-	A-
2026-04-21	B+	B-
2026-04-01	B	B+
2026-02-20	B+	B
2026-02-18	B	B+
2026-01-30	B+	B
2026-01-26	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.

★ ★ ★ ★ ★ 73 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

100

Safety

Cash Flow

100

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. AUB scores highest in Momentum (100/100) and lowest in Balance Sheet (56/100). An overall grade of A+ places AUB 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

2.66

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.23

Unlikely Manipulator

Ohlson O-Score

-6.42

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

A+

Score: 78.7/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 6.64x

Accruals: -6.3%

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. AUB scores 2.66, 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. AUB scores 8/9, 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. AUB's score of -2.23 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. AUB's implied 0.2% 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. AUB receives an estimated rating of A+ (score: 78.7/100), 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). AUB's score of 75/100 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

15.39x

PEG

0.59x

P/S

2.45x

P/B

1.05x

P/FCF

2.23x

P/OCF

2.21x

EV/EBITDA

4.47x

EV/Revenue

0.98x

EV/EBIT

4.97x

EV/FCF

0.94x

Earnings Yield

6.81%

FCF Yield

44.87%

Shareholder Yield

4.23%

Graham Number

$43.93

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 15.4x earnings, AUB trades at a reasonable valuation. An earnings yield of 6.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $43.93 per share, suggesting a potential 17% margin of safety at 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

0.805

NI / EBT

Interest Burden

0.995

EBT / EBIT

EBIT Margin

0.197

EBIT / Rev

Asset Turnover

0.071

Rev / Assets

Equity Multiplier

7.629

Assets / Equity

ROE

8.5%

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. AUB's ROE of 8.5% is driven by financial leverage (equity multiplier: 7.63x). 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

4.85%

Fair P/E

18.20x

Intrinsic Value

$44.33

Price/Value

0.81x

Margin of Safety

19.37%

Premium

-19.37%

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 AUB's realized 4.9% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $44.33, AUB appears undervalued with a 19% margin of safety. The adjusted fair P/E of 18.2x compares to the current market P/E of 15.4x.

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

$37.55

Median 1Y

$36.67

5th Pctile

$18.72

95th Pctile

$72.38

Ann. Volatility

39.6%

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

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
John C. Asbury President and CEO of the Company; CEO of the Bank	$1,018,875	$2,364,373	$5,066,713
Maria P. Tedesco EVP of the Company; President and Chief Operating Officer of the Bank	$692,653	$859,351	$2,415,510
Robert M. Gorman EVP and Chief Financial Officer of the Company	$549,945	$859,351	$2,026,373
David V. Ring EVP of the Company; Wholesale Banking Group Executive of the Bank	$547,365	$394,232	$1,415,838
Matthew L. Linderman EVP of the Company; Chief Information Officer of the Bank	$503,057	$289,839	$1,222,506

CEO Pay Ratio

24:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $5,066,713

Avg Employee Cost (SGA/emp): $214,355

Employees: 3,064

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

3,064

+44.2% YoY

Revenue / Employee

$659,975

Rev: $2,022,163,000

Profit / Employee

$89,333

NI: $273,715,000

SGA / Employee

$214,355

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	10.0%	10.6%	9.7%	9.3%	8.4%	7.8%	9.2%	8.9%	8.6%	8.5%	8.2%	8.8%	7.5%	8.4%	7.3%	7.3%	7.2%	7.7%	6.7%	8.5%	8.49%
ROA	1.4%	1.5%	1.3%	1.3%	1.2%	1.1%	1.2%	1.1%	1.1%	1.1%	1.0%	1.0%	0.9%	1.0%	0.9%	0.9%	0.9%	1.0%	0.9%	1.1%	1.11%
ROIC	50.6%	53.2%	-24.8%	-23.6%	-21.4%	-19.9%	23.0%	22.2%	21.5%	21.1%	15.9%	17.0%	14.6%	16.4%	23.6%	23.6%	23.0%	24.8%	13.3%	16.8%	16.76%
ROCE	8.8%	9.4%	9.6%	9.1%	8.2%	7.6%	8.7%	8.4%	8.1%	8.0%	7.0%	7.5%	6.7%	7.5%	6.4%	6.4%	6.0%	6.5%	0.9%	1.2%	1.17%
Gross Margin	1.1%	1.1%	95.6%	93.9%	92.7%	86.2%	80.4%	66.3%	66.7%	63.3%	60.2%	57.0%	54.0%	59.6%	57.2%	58.3%	50.1%	65.8%	69.3%	68.1%	68.12%
Operating Margin	58.3%	51.6%	30.3%	31.4%	40.4%	35.8%	36.3%	19.0%	25.5%	24.0%	23.2%	20.8%	10.7%	25.8%	19.9%	18.4%	3.0%	21.6%	25.8%	30.4%	30.41%
Net Margin	47.6%	42.3%	26.0%	25.9%	33.6%	29.8%	31.1%	15.8%	21.8%	19.8%	19.7%	17.3%	7.3%	21.4%	16.1%	14.9%	3.4%	17.1%	20.0%	24.0%	24.03%
EBITDA Margin	65.0%	58.7%	38.1%	38.7%	46.3%	41.6%	41.2%	23.4%	29.3%	27.2%	27.6%	24.2%	13.1%	28.2%	22.3%	21.2%	5.0%	24.9%	28.9%	30.4%	30.41%
FCF Margin	29.7%	37.7%	45.7%	50.6%	55.3%	57.5%	51.7%	42.2%	37.3%	30.5%	25.8%	23.8%	23.1%	19.6%	22.4%	22.0%	1.3%	1.2%	1.1%	1.0%	1.04%
OCF Margin	33.1%	40.4%	47.0%	51.5%	56.0%	58.0%	52.1%	42.6%	37.8%	30.9%	26.3%	24.3%	23.5%	20.3%	22.9%	22.5%	1.3%	1.2%	1.1%	1.0%	1.05%
ROE 3Y Avg	snapshot only																				7.34%
ROE 5Y Avg	snapshot only																				8.17%
ROA 3Y Avg	snapshot only																				0.93%
ROIC Economic	snapshot only																				5.38%
Cash ROA	snapshot only																				6.11%
Cash ROIC	snapshot only																				1.11%
CROIC	snapshot only																				1.10%
NOPAT Margin	snapshot only																				15.83%
Pretax Margin	snapshot only																				19.58%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				32.10%
SBC / Revenue	snapshot only																				0.00%

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	9.23	8.71	9.19	9.54	9.71	9.44	9.95	10.37	8.03	9.16	12.55	11.47	14.94	15.43	15.88	12.96	13.52	14.32	18.33	14.68	15.386
P/S Ratio	3.25	3.29	3.38	3.39	3.10	2.73	3.01	2.82	1.96	2.02	2.44	2.25	2.33	2.52	2.47	1.95	1.68	1.73	2.48	2.31	2.447
P/B Ratio	0.89	0.89	0.90	0.89	0.82	0.74	0.98	0.99	0.74	0.83	0.99	0.97	1.09	1.26	1.06	0.86	0.88	1.00	1.00	1.01	1.054
P/FCF	10.96	8.75	7.39	6.70	5.61	4.74	5.82	6.68	5.25	6.62	9.45	9.45	10.08	12.81	11.03	8.87	1.30	1.42	2.26	2.23	2.229
P/OCF	9.83	8.15	7.18	6.58	5.55	4.71	5.77	6.61	5.18	6.54	9.27	9.25	9.90	12.43	10.77	8.65	1.29	1.41	2.25	2.21	2.212
EV/EBITDA	0.63	0.55	-3.65	-3.87	-4.80	-5.88	3.01	3.18	1.37	2.11	4.45	4.01	5.57	6.54	3.60	1.53	1.77	2.81	5.26	4.47	4.472
EV/Revenue	0.31	0.29	-1.88	-1.94	-2.18	-2.42	1.26	1.20	0.46	0.64	1.20	1.08	1.25	1.51	0.79	0.33	0.30	0.49	1.03	0.98	0.978
EV/EBIT	0.72	0.63	-4.23	-4.52	-5.68	-7.01	3.50	3.69	1.58	2.43	5.21	4.65	6.53	7.56	4.09	1.73	2.05	3.32	6.15	4.97	4.969
EV/FCF	1.03	0.76	-4.11	-3.84	-3.94	-4.21	2.45	2.84	1.22	2.08	4.66	4.55	5.42	7.69	3.53	1.48	0.23	0.40	0.94	0.94	0.942
Earnings Yield	10.8%	11.5%	10.9%	10.5%	10.3%	10.6%	10.1%	9.6%	12.4%	10.9%	8.0%	8.7%	6.7%	6.5%	6.3%	7.7%	7.4%	7.0%	5.5%	6.8%	6.81%
FCF Yield	9.1%	11.4%	13.5%	14.9%	17.8%	21.1%	17.2%	15.0%	19.1%	15.1%	10.6%	10.6%	9.9%	7.8%	9.1%	11.3%	77.2%	70.4%	44.2%	44.9%	44.87%
PEG Ratio	snapshot only																				0.589
Price/Tangible Book	snapshot only																				1.717
EV/OCF	snapshot only																				0.935
EV/Gross Profit	snapshot only																				1.552
Acquirers Multiple	snapshot only																				4.969
Shareholder Yield	snapshot only																				4.23%
Graham Number	snapshot only																				$43.93

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	0.19	0.19	0.26	0.26	0.26	0.26	0.18	0.18	0.18	0.18	0.15	0.15	0.15	0.15	0.14	0.14	0.14	0.14	6.81	6.81	6.813
Quick Ratio	0.19	0.19	0.26	0.26	0.26	0.26	0.18	0.18	0.18	0.18	0.15	0.15	0.15	0.15	0.14	0.14	0.14	0.14	6.81	6.81	6.813
Debt/Equity	0.31	0.31	0.19	0.19	0.19	0.19	0.72	0.72	0.72	0.72	0.51	0.51	0.51	0.51	0.17	0.17	0.17	0.17	0.30	0.30	0.299
Net Debt/Equity	-0.81	-0.81	-1.39	-1.39	-1.39	-1.39	-0.57	-0.57	-0.57	-0.57	-0.50	-0.50	-0.50	-0.50	-0.72	-0.72	-0.72	-0.72	-0.59	-0.59	-0.586
Debt/Assets	0.04	0.04	0.03	0.03	0.03	0.03	0.08	0.08	0.08	0.08	0.06	0.06	0.06	0.06	0.02	0.02	0.02	0.02	0.04	0.04	0.040
Debt/EBITDA	2.33	2.21	1.37	1.43	1.56	1.68	5.25	5.46	5.67	5.80	4.67	4.41	4.89	4.45	1.81	1.80	1.90	1.70	3.78	3.12	3.117
Net Debt/EBITDA	-6.07	-5.75	-10.22	-10.63	-11.63	-12.49	-4.15	-4.32	-4.48	-4.59	-4.57	-4.32	-4.78	-4.35	-7.65	-7.61	-8.03	-7.17	-7.39	-6.10	-6.103
Interest Coverage	5.29	6.91	7.76	8.48	7.72	5.38	3.68	2.03	1.29	0.93	0.70	0.65	0.51	0.51	0.49	0.49	0.41	0.42	0.51	0.61	0.614
Equity Multiplier	7.25	7.25	7.40	7.40	7.40	7.40	8.62	8.62	8.62	8.62	8.28	8.28	8.28	8.28	7.82	7.82	7.82	7.82	7.51	7.51	7.508
Cash Ratio	snapshot only																				6.813
Debt Service Coverage	snapshot only																				0.682
Cash to Debt	snapshot only																				2.958
FCF to Debt	snapshot only																				1.522
Defensive Interval	snapshot only																				1698.2 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	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.07	0.08	0.07	0.07	0.071
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DIO	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	—
Cash Conversion Cycle	0	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Fixed Asset Turnover	snapshot only																				13.174
Cash Velocity	snapshot only																				0.496
Capital Intensity	snapshot only																				17.109

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	-10.3%	-8.3%	-8.5%	-7.2%	-4.0%	0.6%	8.0%	17.6%	26.1%	33.4%	34.1%	32.3%	32.4%	30.5%	29.5%	26.5%	37.6%	42.7%	50.2%	57.7%	57.71%
Net Income	78.4%	78.2%	66.8%	21.3%	-12.9%	-23.2%	-11.1%	-9.9%	-3.8%	1.7%	-13.9%	-4.7%	-15.3%	-3.3%	3.6%	-3.1%	9.7%	5.4%	30.9%	65.4%	65.44%
EPS	78.1%	83.8%	73.6%	26.6%	-8.2%	-21.5%	-10.0%	-9.1%	-4.0%	1.3%	-14.3%	-5.1%	-29.3%	-19.2%	-15.1%	-19.1%	9.3%	5.1%	-15.7%	4.9%	4.85%
FCF	-17.0%	14.8%	63.1%	51.9%	79.1%	53.7%	22.1%	-1.9%	-15.0%	-29.3%	-33.2%	-25.4%	-18.0%	-15.9%	12.3%	16.7%	6.7%	7.8%	6.4%	6.5%	6.45%
EBITDA	67.6%	69.6%	61.1%	22.2%	-10.1%	-20.7%	-11.9%	-11.9%	-7.1%	-2.6%	-13.7%	-5.0%	-11.0%	0.1%	5.1%	-0.3%	4.8%	6.8%	34.4%	61.9%	61.95%
Op. Income	79.1%	81.5%	71.1%	23.7%	-12.6%	-23.9%	-12.2%	-11.2%	-5.3%	0.7%	-14.3%	-4.9%	-11.9%	0.0%	8.3%	1.8%	5.9%	4.4%	30.6%	65.4%	65.36%
OCF Growth	snapshot only																				6.32%
Asset Growth	snapshot only																				52.88%
Equity Growth	snapshot only																				59.29%
Debt Growth	snapshot only																				1.80%
Shares Change	snapshot only																				57.78%
Dividend Growth	snapshot only																				64.38%

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	14.1%	9.6%	5.4%	2.4%	-0.2%	-2.6%	-2.3%	-0.4%	2.8%	7.2%	9.8%	13.0%	17.0%	20.6%	23.3%	25.3%	31.9%	35.5%	37.6%	38.2%	38.19%
Revenue 5Y	16.2%	15.3%	14.4%	13.6%	13.4%	13.7%	14.4%	13.3%	12.4%	12.0%	11.1%	10.8%	10.6%	10.0%	10.1%	10.6%	14.6%	18.1%	20.8%	23.5%	23.54%
EPS 3Y	30.0%	26.6%	16.3%	15.5%	14.5%	8.5%	9.3%	13.3%	16.2%	13.5%	10.2%	3.0%	-14.6%	-13.7%	-13.2%	-11.3%	-9.5%	-4.9%	-15.0%	-7.0%	-6.99%
EPS 5Y	15.0%	16.2%	16.0%	12.8%	11.3%	9.6%	13.5%	23.0%	14.1%	10.1%	4.0%	5.9%	0.4%	0.9%	-1.0%	2.2%	3.9%	4.4%	-0.8%	-1.5%	-1.52%
Net Income 3Y	37.9%	32.9%	21.7%	15.0%	11.0%	5.2%	6.6%	11.1%	14.3%	11.7%	8.4%	1.4%	-10.8%	-8.9%	-7.5%	-5.9%	-3.7%	1.2%	5.3%	15.2%	15.18%
Net Income 5Y	29.4%	29.9%	27.8%	25.9%	23.9%	21.9%	26.3%	26.3%	17.1%	12.9%	6.7%	5.5%	2.2%	2.8%	1.6%	4.9%	6.8%	7.3%	11.6%	10.8%	10.79%
EBITDA 3Y	31.0%	28.5%	21.5%	15.5%	11.6%	5.9%	6.3%	9.4%	11.9%	9.4%	7.0%	0.8%	-9.4%	-8.2%	-7.2%	-5.8%	-4.7%	1.4%	6.8%	15.3%	15.34%
EBITDA 5Y	24.6%	25.5%	23.3%	21.8%	19.9%	17.9%	20.1%	20.3%	13.4%	10.4%	6.4%	5.2%	2.8%	3.0%	1.7%	4.4%	5.5%	7.0%	11.6%	10.6%	10.56%
Gross Profit 3Y	20.8%	18.2%	14.1%	10.9%	7.1%	3.0%	1.6%	3.6%	4.9%	5.7%	3.5%	0.2%	-1.7%	-0.8%	1.3%	3.6%	9.5%	15.9%	21.9%	27.3%	27.25%
Gross Profit 5Y	18.5%	18.7%	17.7%	16.6%	15.7%	15.1%	15.2%	12.5%	9.9%	8.1%	6.0%	5.2%	4.3%	3.6%	3.4%	5.7%	9.4%	13.0%	15.5%	15.4%	15.43%
Op. Income 3Y	32.5%	29.5%	21.1%	14.4%	11.2%	5.2%	6.6%	11.0%	14.0%	11.7%	8.8%	1.5%	-10.0%	-8.5%	-6.6%	-4.9%	-4.1%	1.7%	6.6%	17.0%	17.00%
Op. Income 5Y	26.5%	27.5%	25.0%	23.2%	21.1%	18.9%	21.6%	22.5%	14.0%	10.7%	6.0%	4.8%	2.8%	3.3%	2.4%	5.8%	6.7%	7.8%	12.7%	12.0%	11.96%
FCF 3Y	26.2%	20.9%	14.9%	22.8%	27.7%	34.8%	30.9%	18.0%	8.1%	7.7%	10.0%	3.6%	7.7%	-2.9%	-2.9%	-5.1%	75.3%	73.8%	76.8%	86.5%	86.50%
FCF 5Y	15.0%	23.6%	29.8%	25.4%	34.4%	30.6%	31.7%	31.7%	25.1%	14.0%	4.3%	6.2%	7.7%	7.8%	11.0%	7.4%	51.6%	56.1%	61.6%	57.4%	57.42%
OCF 3Y	28.4%	22.1%	15.9%	23.4%	27.5%	33.3%	27.5%	15.2%	5.8%	4.9%	5.8%	0.3%	4.4%	-4.2%	-3.0%	-4.9%	74.7%	73.6%	76.8%	86.3%	86.32%
OCF 5Y	16.8%	23.8%	28.8%	24.3%	32.3%	28.9%	29.6%	30.0%	23.9%	13.3%	4.7%	6.6%	7.8%	7.6%	9.6%	6.2%	49.3%	53.4%	57.4%	54.0%	54.02%
Assets 3Y	28.2%	28.2%	13.4%	13.4%	13.4%	13.4%	5.2%	5.2%	5.2%	5.2%	2.5%	2.5%	2.5%	2.5%	7.0%	7.0%	7.0%	7.0%	22.5%	22.5%	22.47%
Assets 5Y	20.6%	20.6%	18.9%	18.9%	18.9%	18.9%	17.0%	17.0%	17.0%	17.0%	9.0%	9.0%	9.0%	9.0%	7.0%	7.0%	7.0%	7.0%	13.9%	13.9%	13.87%
Equity 3Y	37.3%	37.3%	12.1%	12.1%	12.1%	12.1%	-1.9%	-1.9%	-1.9%	-1.9%	-1.9%	-1.9%	-1.9%	-1.9%	5.1%	5.1%	5.1%	5.1%	28.3%	28.3%	28.26%
Book Value 3Y	29.4%	30.8%	7.1%	12.6%	15.6%	15.5%	0.6%	0.0%	-0.3%	-0.3%	-0.3%	-0.3%	-6.1%	-7.1%	-1.4%	-0.9%	-1.2%	-1.3%	3.5%	3.6%	3.57%
Dividend 3Y	-1.1%	-0.0%	-0.2%	4.2%	4.5%	4.1%	3.4%	2.8%	3.4%	3.1%	3.2%	3.2%	-1.3%	-0.6%	-0.3%	1.4%	3.9%	6.3%	-6.6%	-4.7%	-4.70%

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	0.84	0.77	0.68	0.60	0.56	0.50	0.50	0.54	0.63	0.71	0.71	0.69	0.62	0.55	0.55	0.60	0.66	0.73	0.75	0.77	0.770
Earnings Stability	0.83	0.84	0.83	0.92	0.83	0.73	0.78	0.82	0.64	0.47	0.37	0.56	0.12	0.11	0.07	0.18	0.00	0.03	0.22	0.31	0.313
Margin Stability	0.87	0.86	0.87	0.87	0.86	0.86	0.88	0.87	0.85	0.83	0.83	0.82	0.79	0.77	0.76	0.77	0.77	0.80	0.82	0.81	0.807
Rev. Growth Consistency	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	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.00	0.00	0.00	0.00	0.50	0.00	0.50	0.50	1.00	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.91	0.95	0.91	0.96	0.96	0.98	0.99	0.94	0.98	0.94	0.99	0.99	0.99	0.96	0.98	0.88	0.50	0.500
Earnings Smoothness	0.44	0.44	0.50	0.81	0.86	0.74	0.88	0.90	0.96	0.98	0.85	0.95	0.83	0.97	0.96	0.97	0.91	0.95	0.73	0.51	0.507
ROE Trend	0.02	0.02	0.03	0.02	0.01	-0.00	0.02	0.01	0.00	0.00	-0.02	-0.01	-0.02	-0.00	-0.02	-0.02	-0.02	-0.02	-0.02	-0.01	-0.006
Gross Margin Trend	0.24	0.29	0.26	0.21	0.13	0.04	-0.02	-0.14	-0.23	-0.29	-0.31	-0.29	-0.27	-0.23	-0.19	-0.14	-0.11	-0.06	0.00	0.04	0.035
FCF Margin Trend	0.00	0.12	0.22	0.22	0.24	0.24	0.16	0.01	-0.05	-0.17	-0.23	-0.23	-0.23	-0.24	-0.16	-0.11	0.99	0.96	0.86	0.81	0.809
Sustainable Growth Rate	6.5%	6.9%	6.2%	5.7%	4.9%	4.2%	5.3%	5.0%	4.6%	4.5%	4.0%	4.5%	3.0%	3.7%	3.0%	2.8%	1.9%	1.7%	2.0%	3.2%	3.23%
Internal Growth Rate	0.9%	1.0%	0.9%	0.8%	0.7%	0.6%	0.7%	0.6%	0.6%	0.6%	0.5%	0.5%	0.4%	0.4%	0.4%	0.3%	0.2%	0.2%	0.3%	0.4%	0.43%

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	0.94	1.07	1.28	1.45	1.75	2.01	1.72	1.57	1.55	1.40	1.35	1.24	1.51	1.24	1.47	1.50	10.46	10.12	8.15	6.64	6.635
FCF/OCF	0.90	0.93	0.97	0.98	0.99	0.99	0.99	0.99	0.99	0.99	0.98	0.98	0.98	0.97	0.98	0.98	1.00	1.00	0.99	0.99	0.993
FCF/Net Income	snapshot only																				6.586
OCF/EBITDA	snapshot only																				4.781
CapEx/Revenue	3.4%	2.8%	1.3%	0.9%	0.6%	0.4%	0.4%	0.4%	0.5%	0.4%	0.5%	0.5%	0.4%	0.6%	0.5%	0.6%	0.3%	0.5%	0.6%	0.8%	0.78%
CapEx/Depreciation	snapshot only																				0.355
Accruals Ratio	0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.08	-0.09	-0.06	-0.06	-0.063
Sloan Accruals	snapshot only																				0.690
Cash Flow Adequacy	snapshot only																				9.924
Earnings Quality Score	snapshot only																				0.750

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	3.8%	3.9%	4.0%	4.1%	4.4%	4.9%	4.2%	4.3%	5.8%	5.2%	4.1%	4.2%	4.0%	3.7%	3.7%	4.8%	5.4%	5.4%	3.8%	4.2%	3.86%
Dividend/Share	$1.18	$1.24	$1.27	$1.29	$1.29	$1.31	$1.32	$1.34	$1.35	$1.36	$1.38	$1.39	$1.24	$1.31	$1.35	$1.45	$1.67	$1.89	$1.35	$1.51	$1.45
Payout Ratio	35.4%	34.4%	36.4%	38.8%	42.2%	46.1%	42.1%	44.2%	46.3%	47.2%	51.2%	48.6%	59.8%	56.4%	59.2%	62.3%	73.7%	77.4%	70.2%	61.9%	61.94%
FCF Payout Ratio	42.1%	34.5%	29.3%	27.3%	24.4%	23.1%	24.6%	28.5%	30.2%	34.1%	38.5%	40.0%	40.3%	46.8%	41.1%	42.6%	7.1%	7.7%	8.7%	9.4%	9.40%
Total Payout Ratio	51.6%	79.7%	83.8%	98.5%	99.6%	68.8%	62.7%	54.4%	46.3%	47.2%	51.2%	48.6%	59.8%	56.4%	59.2%	62.3%	73.7%	77.5%	70.3%	62.0%	62.03%
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	0.20	0.19	0.18	0.16	0.08	0.08	0.07	0.07	0.11	0.09	0.09	0.09	0.13	0.19	0.24	0.29	0.41	0.50	0.59	0.69	0.686
Buyback Yield	1.8%	5.2%	5.2%	6.3%	5.9%	2.4%	2.1%	1.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.01%
Net Buyback Yield	1.6%	5.1%	5.0%	6.1%	5.7%	2.2%	1.9%	1.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-14.0%	-12.2%	-7.7%	-7.5%	-7.46%
Total Shareholder Return	5.5%	9.0%	9.0%	10.1%	10.1%	7.1%	6.1%	5.2%	5.7%	5.1%	4.0%	4.2%	4.0%	3.6%	3.7%	4.8%	-8.5%	-6.8%	-3.8%	-3.2%	-3.24%

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)	0.83	0.83	0.83	0.83	0.83	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.81	0.82	0.80	0.80	0.84	0.82	0.81	0.80	0.805
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	0.99	0.99	0.995
EBIT Margin	0.42	0.46	0.44	0.43	0.38	0.35	0.36	0.32	0.29	0.26	0.23	0.23	0.19	0.20	0.19	0.19	0.15	0.15	0.17	0.20	0.197
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.07	0.08	0.07	0.07	0.071
Equity Multiplier	7.12	7.12	7.33	7.33	7.33	7.33	7.97	7.97	7.97	7.97	8.45	8.45	8.45	8.45	8.03	8.03	8.03	8.03	7.63	7.63	7.629

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)	$3.32	$3.61	$3.49	$3.33	$3.05	$2.83	$3.14	$3.03	$2.93	$2.87	$2.69	$2.87	$2.07	$2.32	$2.28	$2.32	$2.26	$2.44	$1.93	$2.44	$2.44
Book Value/Share	$34.35	$35.49	$35.82	$35.87	$36.21	$36.28	$31.76	$31.71	$31.64	$31.64	$34.08	$33.99	$28.48	$28.47	$34.34	$34.89	$34.89	$34.89	$35.23	$35.23	$35.64
Tangible Book/Share	$21.76	$22.48	$22.88	$22.91	$23.13	$23.17	$19.02	$18.99	$18.94	$18.94	$21.49	$21.44	$17.96	$17.95	$20.15	$20.48	$20.48	$20.48	$20.81	$20.81	$20.81
Revenue/Share	$9.43	$9.54	$9.49	$9.37	$9.54	$9.81	$10.38	$11.12	$12.00	$13.04	$13.86	$14.64	$13.28	$14.22	$14.71	$15.47	$18.21	$20.23	$14.23	$15.46	$15.50
FCF/Share	$2.80	$3.59	$4.34	$4.74	$5.28	$5.64	$5.37	$4.69	$4.48	$3.98	$3.57	$3.48	$3.07	$2.79	$3.29	$3.40	$23.61	$24.55	$15.61	$16.04	$16.08
OCF/Share	$3.12	$3.86	$4.46	$4.83	$5.34	$5.68	$5.41	$4.74	$4.54	$4.02	$3.64	$3.56	$3.12	$2.88	$3.37	$3.48	$23.67	$24.66	$15.70	$16.16	$16.20
Cash/Share	$38.45	$39.72	$56.58	$56.66	$57.20	$57.31	$40.96	$40.89	$40.81	$40.80	$34.60	$34.52	$28.91	$28.91	$30.51	$31.00	$31.00	$31.00	$31.16	$31.16	$3.18
EBITDA/Share	$4.58	$4.99	$4.88	$4.70	$4.33	$4.05	$4.36	$4.18	$4.02	$3.93	$3.74	$3.96	$2.99	$3.28	$3.22	$3.29	$3.12	$3.50	$2.79	$3.38	$3.38
Debt/Share	$10.66	$11.02	$6.69	$6.70	$6.77	$6.78	$22.87	$22.83	$22.78	$22.78	$17.49	$17.45	$14.61	$14.61	$5.84	$5.94	$5.94	$5.94	$10.54	$10.54	$10.54
Net Debt/Share	$-27.79	$-28.71	$-49.89	$-49.96	$-50.43	$-50.53	$-18.09	$-18.06	$-18.02	$-18.02	$-17.11	$-17.07	$-14.30	$-14.30	$-24.67	$-25.07	$-25.07	$-25.07	$-20.63	$-20.63	$-20.63

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.663
Altman Z-Prime	snapshot only																				1.003
Piotroski F-Score	6	8	7	7	6	6	6	6	5	6	5	5	5	5	5	6	6	6	8	8	8
Beneish M-Score	-2.75	-2.66	-2.58	-2.55	-2.40	-2.31	-2.08	-1.91	-1.91	-1.87	-2.11	-2.11	-2.00	-2.15	-2.20	-2.32	-2.10	-2.59	-2.32	-2.23	-2.227
Ohlson O-Score	snapshot only																				-6.415
ROIC (Greenblatt)	snapshot only																				10.96%
Net-Net WC	snapshot only																				$-198.08
EVA	snapshot only																				$140326812.61

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																				A+
Credit Score	63.85	75.85	84.17	84.70	83.48	80.40	58.25	58.52	57.35	57.71	60.03	61.33	57.65	61.06	76.03	76.14	76.38	75.94	75.16	78.68	78.678
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				2.533
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				78
Sector Credit Rank	snapshot only																				70

AUB NYSE

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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