$33.17

+0.14 (+0.42%)

Weekly Expected Move ±2.9%

$30 $31 $32 $33 $34

NYSE · Financial Services · Banks - Regional · Alpha Radar Buy · Power 61 · $1.5B mcap · 32M float · 0.655% daily turnover · Short 47% 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.

NARROW EDGE

57.7 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 39.9% · 5Y Avg: -25.1%

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. BY has a Narrow competitive edge (57.7/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 39.9% 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

$40

Low

$40

Avg Target

$40

High

Based on 1 analyst since Apr 23, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 5Hold: 6Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$40.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-27	Piper Sandler	—	$37	$40	+3	+21.1%	$33.03
2026-01-27	Piper Sandler	—	$35	$37	+2	+18.8%	$31.14
2025-10-28	Piper Sandler	Nathan Race	Initiated	$35	—	+27.9%	$27.36
2025-05-19	Hovde Group	Brendan Nosal	Initiated	$32	—	+18.0%	$27.13
2024-07-30	Stephens	Terry McEvoy	Initiated	$29	—	+3.6%	$28.00

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.

A-

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. BY receives an overall rating of A-. Strongest factors: DCF (5/5), ROE (4/5), ROA (4/5). Areas of concern: D/E (2/5).

Rating Change History

Date	From	To
2026-04-28	A	A-
2026-04-27	B	A
2026-04-23	A	B
2026-04-01	A-	A
2026-02-24	B+	A-
2026-02-23	A-	B+
2026-02-09	B+	A-
2026-02-06	A-	B+
2026-02-04	B+	A-
2026-01-30	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.

★ ★ ★ ★ ★ 59 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. BY scores highest in Earnings Quality (98/100) and lowest in Balance Sheet (52/100). An overall grade of A+ places BY 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

3.22

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-3.21

Unlikely Manipulator

Ohlson O-Score

-4.82

Bankruptcy prob: 0.8%

Low Risk

Credit Rating

A-

Score: 68.8/100

Trend: Stable

Earnings Quality

100/100

OCF/NI: 1.20x

Accruals: -0.3%

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. BY scores 3.22, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. 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. BY 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. BY's score of -3.21 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. BY'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. BY receives an estimated rating of A- (score: 68.8/100), with a stable 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). BY'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

10.67x

PEG

0.78x

P/S

2.38x

P/B

1.16x

P/FCF

8.67x

P/OCF

8.55x

EV/EBITDA

2.68x

EV/Revenue

0.84x

EV/EBIT

2.73x

EV/FCF

3.23x

Earnings Yield

9.72%

FCF Yield

11.53%

Shareholder Yield

3.63%

Graham Number

$43.90

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 10.7x earnings, BY trades at a reasonable valuation. An earnings yield of 9.7% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $43.90 per share, suggesting a potential 32% 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

0.752

NI / EBT

Interest Burden

0.950

EBT / EBIT

EBIT Margin

0.308

EBIT / Rev

Asset Turnover

0.066

Rev / Assets

Equity Multiplier

8.116

Assets / Equity

ROE

11.8%

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. BY's ROE of 11.8% is driven by financial leverage (equity multiplier: 8.12x). 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

8.74%

Fair P/E

25.98x

Intrinsic Value

$79.73

Price/Value

0.40x

Margin of Safety

60.40%

Premium

-60.40%

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 BY's realized 8.7% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $79.73, BY appears undervalued with a 60% margin of safety. The adjusted fair P/E of 26.0x compares to the current market P/E of 10.7x.

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

$33.15

Median 1Y

$34.10

5th Pctile

$18.89

95th Pctile

$61.55

Ann. Volatility

36.5%

Analyst Target

$40.00

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
Executive Chairman and Chief Executive Officer	$907,308	$1,036,650	$2,989,969
Roberto R. Herencia Executive Chairman and Chief Executive Officer	$907,308	$1,036,650	$2,989,969
President	$635,192	$421,514	$1,548,102
Alberto J. Paracchini President	$635,192	$421,514	$1,548,102
Financial Treasurer cer Treasurer	$463,462	$264,122	$1,037,770
Thomas J. Bell III Chief Financial Officer & Treasurer	$463,462	$264,122	$1,037,770
President, Byline Small Business Capital	$456,308	$222,752	$811,609
Thomas S. Abraham President, Byline Small Business Capital	$456,308	$222,752	$811,609
Head Commercial Banking ing	$377,019	$142,773	$755,028
Brogan M. Ptacin Head of Commercial Banking	$377,019	$142,773	$755,028

CEO Pay Ratio

23:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,989,969

Avg Employee Cost (SGA/emp): $129,493

Employees: 1,027

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

1,027

0.0% YoY

Revenue / Employee

$612,942

Rev: $629,491,000

Profit / Employee

$126,632

NI: $130,051,000

SGA / Employee

$129,493

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	9.7%	11.3%	11.3%	11.4%	10.4%	10.0%	11.0%	11.2%	11.9%	12.6%	12.3%	13.0%	13.4%	13.7%	11.6%	11.4%	11.4%	12.1%	11.0%	11.8%	11.82%
ROA	1.3%	1.5%	1.4%	1.4%	1.3%	1.3%	1.3%	1.3%	1.4%	1.4%	1.3%	1.4%	1.5%	1.5%	1.3%	1.3%	1.3%	1.4%	1.4%	1.5%	1.46%
ROIC	-22.3%	-25.9%	-71.2%	-71.6%	-65.3%	-63.3%	49.5%	50.4%	53.6%	56.8%	-4.4%	-4.6%	-4.8%	-4.9%	88.2%	86.6%	86.9%	91.9%	37.4%	39.9%	39.90%
ROCE	6.7%	7.7%	8.6%	8.5%	7.7%	7.5%	7.6%	7.8%	8.4%	8.9%	8.9%	9.4%	9.7%	9.9%	8.1%	8.0%	7.9%	8.4%	3.7%	4.0%	3.99%
Gross Margin	98.5%	95.9%	98.0%	90.2%	86.4%	83.3%	74.9%	70.2%	69.5%	64.2%	62.1%	61.2%	60.3%	58.5%	62.5%	62.5%	61.7%	66.8%	73.2%	69.1%	69.14%
Operating Margin	47.5%	42.2%	28.4%	34.9%	32.8%	33.5%	28.4%	28.2%	29.3%	25.8%	26.8%	26.5%	26.1%	25.0%	26.1%	25.2%	24.6%	30.7%	35.4%	32.4%	32.39%
Net Margin	35.4%	31.6%	21.1%	27.2%	25.5%	24.9%	21.9%	21.0%	21.6%	19.1%	19.8%	19.9%	19.3%	18.9%	19.6%	19.0%	19.0%	22.9%	21.6%	24.5%	24.50%
EBITDA Margin	49.4%	44.1%	30.1%	36.3%	34.1%	34.6%	29.4%	29.1%	30.0%	26.6%	27.7%	27.3%	26.9%	25.8%	26.9%	26.0%	25.3%	31.4%	36.3%	32.4%	32.39%
FCF Margin	42.7%	48.4%	22.8%	46.2%	48.2%	62.9%	60.8%	44.7%	36.6%	41.6%	30.5%	30.7%	28.5%	18.6%	27.5%	21.8%	17.7%	20.7%	21.7%	26.1%	26.08%
OCF Margin	43.3%	48.9%	23.5%	47.0%	49.4%	64.0%	61.8%	45.5%	37.2%	42.3%	31.2%	31.4%	29.1%	19.0%	28.2%	22.7%	18.7%	21.6%	22.3%	26.5%	26.47%
ROE 3Y Avg	snapshot only																				11.14%
ROE 5Y Avg	snapshot only																				11.25%
ROA 3Y Avg	snapshot only																				1.33%
ROIC Economic	snapshot only																				8.06%
Cash ROA	snapshot only																				1.74%
Cash ROIC	snapshot only																				45.66%
CROIC	snapshot only																				44.99%
NOPAT Margin	snapshot only																				23.13%
Pretax Margin	snapshot only																				29.25%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				15.77%
SBC / Revenue	snapshot only																				1.49%

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	10.81	9.95	10.53	10.26	9.96	8.73	9.31	8.67	6.81	8.19	9.23	8.09	8.62	9.63	10.45	9.66	9.87	9.96	10.18	10.29	10.669
P/S Ratio	2.65	2.82	3.09	2.96	2.62	2.15	2.30	2.00	1.51	1.70	1.87	1.62	1.68	1.88	2.03	1.86	1.89	2.01	2.10	2.26	2.376
P/B Ratio	1.02	1.09	1.17	1.14	1.01	0.86	1.07	1.01	0.85	1.08	1.01	0.93	1.03	1.17	1.16	1.05	1.08	1.15	1.04	1.13	1.162
P/FCF	6.20	5.81	13.53	6.40	5.44	3.42	3.78	4.47	4.13	4.08	6.14	5.28	5.89	10.10	7.37	8.52	10.66	9.72	9.71	8.67	8.671
P/OCF	6.12	5.75	13.13	6.29	5.31	3.36	3.72	4.40	4.07	4.02	6.00	5.16	5.77	9.85	7.21	8.19	10.13	9.32	9.44	8.55	8.545
EV/EBITDA	-3.18	-2.29	0.08	-0.07	-1.02	-2.19	1.94	1.54	0.47	1.72	-0.13	-0.56	0.01	0.85	1.85	1.17	1.36	1.74	2.26	2.68	2.683
EV/Revenue	-1.06	-0.87	0.03	-0.03	-0.37	-0.74	0.65	0.49	0.14	0.49	-0.04	-0.16	0.00	0.23	0.50	0.31	0.35	0.48	0.67	0.84	0.842
EV/EBIT	-3.20	-2.30	0.08	-0.07	-1.07	-2.28	2.01	1.60	0.49	1.77	-0.13	-0.58	0.01	0.88	1.91	1.21	1.40	1.79	2.32	2.73	2.734
EV/FCF	-2.48	-1.79	0.14	-0.06	-0.77	-1.18	1.07	1.09	0.39	1.18	-0.12	-0.51	0.01	1.23	1.80	1.42	2.00	2.32	3.11	3.23	3.227
Earnings Yield	9.3%	10.0%	9.5%	9.7%	10.0%	11.5%	10.7%	11.5%	14.7%	12.2%	10.8%	12.4%	11.6%	10.4%	9.6%	10.4%	10.1%	10.0%	9.8%	9.7%	9.72%
FCF Yield	16.1%	17.2%	7.4%	15.6%	18.4%	29.2%	26.5%	22.4%	24.2%	24.5%	16.3%	18.9%	17.0%	9.9%	13.6%	11.7%	9.4%	10.3%	10.3%	11.5%	11.53%
PEG Ratio	snapshot only																				0.784
Price/Tangible Book	snapshot only																				1.343
EV/OCF	snapshot only																				3.180
EV/Gross Profit	snapshot only																				1.243
Acquirers Multiple	snapshot only																				2.734
Shareholder Yield	snapshot only																				3.63%
Graham Number	snapshot only																				$43.90

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	0.39	0.39	0.38	0.38	0.38	0.38	0.33	0.33	0.33	0.33	0.32	0.32	0.32	0.32	0.34	0.34	0.34	0.34	0.31	0.31	0.308
Quick Ratio	0.39	0.39	0.38	0.38	0.38	0.38	0.33	0.33	0.33	0.33	0.32	0.32	0.32	0.32	0.34	0.34	0.34	0.34	0.31	0.31	0.308
Debt/Equity	0.48	0.48	0.77	0.77	0.77	0.77	1.00	1.00	1.00	1.00	0.56	0.56	0.56	0.56	0.71	0.71	0.71	0.71	0.45	0.45	0.446
Net Debt/Equity	-1.42	-1.42	-1.16	-1.16	-1.16	-1.16	-0.77	-0.77	-0.77	-0.77	-1.02	-1.02	-1.02	-1.02	-0.87	-0.87	-0.87	-0.87	-0.71	-0.71	-0.710
Debt/Assets	0.06	0.06	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.10	0.06	0.06	0.06	0.06	0.08	0.08	0.08	0.08	0.06	0.06	0.059
Debt/EBITDA	3.75	3.27	4.96	5.00	5.53	5.72	6.44	6.26	5.82	5.50	3.69	3.49	3.38	3.34	4.66	4.76	4.80	4.52	3.01	2.84	2.840
Net Debt/EBITDA	-11.14	-9.69	-7.42	-7.48	-8.29	-8.56	-4.94	-4.80	-4.47	-4.22	-6.76	-6.39	-6.19	-6.12	-5.75	-5.86	-5.91	-5.57	-4.79	-4.53	-4.527
Interest Coverage	6.69	8.72	9.91	10.22	8.04	4.93	3.17	2.06	1.53	1.16	0.98	0.87	0.79	0.74	0.74	0.75	0.76	0.85	0.98	1.07	1.072
Equity Multiplier	7.93	7.93	8.01	8.01	8.01	8.01	9.61	9.61	9.61	9.61	8.97	8.97	8.97	8.97	8.70	8.70	8.70	8.70	7.61	7.61	7.613
Cash Ratio	snapshot only																				0.308
Debt Service Coverage	snapshot only																				1.093
Cash to Debt	snapshot only																				2.594
FCF to Debt	snapshot only																				0.293
Defensive Interval	snapshot only																				2284.8 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	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.07	0.07	0.07	0.07	0.08	0.07	0.07	0.07	0.07	0.07	0.07	0.066
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	18.18	18.30	15.99	16.38	16.34	16.89	14.64	15.96	17.66	19.99	14.44	15.50	16.39	16.72	14.70	14.59	14.70	14.76	30.97	31.19	31.193
Payables Turnover	16.93	10.27	16.09	16.31	27.41	41.12	25.28	36.22	47.19	63.06	13.51	15.40	17.21	18.22	11.30	11.13	11.11	10.53	20.20	19.40	19.398
DSO	20	20	23	22	22	22	25	23	21	18	25	24	22	22	25	25	25	25	12	12	11.7 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	22	36	23	22	13	9	14	10	8	6	27	24	21	20	32	33	33	35	18	19	18.8 days
Cash Conversion Cycle	-1	-16	0	-0	9	13	10	13	13	12	-2	-0	1	2	-7	-8	-8	-10	-6	-7	-7.1 days
Fixed Asset Turnover	snapshot only																				10.934
Cash Velocity	snapshot only																				0.433
Capital Intensity	snapshot only																				15.224

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	2.5%	5.2%	7.7%	8.9%	4.6%	7.5%	12.8%	20.0%	33.0%	45.7%	49.4%	47.0%	40.6%	26.6%	16.7%	8.0%	2.8%	1.2%	1.3%	2.7%	2.75%
Net Income	74.7%	1.1%	1.5%	65.7%	12.5%	-6.2%	-5.2%	-4.0%	12.1%	22.5%	22.7%	27.7%	23.6%	18.9%	11.9%	3.7%	0.9%	4.8%	7.7%	17.6%	17.56%
EPS	71.7%	1.2%	1.5%	69.5%	15.7%	-4.6%	-3.6%	-2.7%	13.0%	5.3%	5.2%	9.6%	5.5%	17.5%	10.3%	2.3%	-0.4%	1.6%	4.7%	14.6%	14.62%
FCF	69.0%	9.2%	-31.3%	56.0%	18.1%	39.6%	2.0%	16.2%	1.1%	-3.6%	-25.1%	0.8%	9.6%	-43.5%	5.5%	-23.3%	-36.1%	12.7%	-20.4%	23.0%	23.05%
EBITDA	49.4%	84.2%	1.5%	66.7%	13.5%	-4.4%	-8.6%	-5.3%	12.7%	23.4%	26.3%	29.8%	24.7%	19.0%	10.6%	2.5%	-1.5%	3.3%	13.1%	22.1%	22.12%
Op. Income	74.6%	1.1%	1.4%	61.0%	9.3%	-7.9%	-7.7%	-4.3%	14.3%	24.8%	27.0%	30.2%	24.5%	18.9%	10.6%	2.6%	-1.2%	3.7%	13.6%	23.5%	23.53%
OCF Growth	snapshot only																				19.97%
Asset Growth	snapshot only																				1.64%
Equity Growth	snapshot only																				16.16%
Debt Growth	snapshot only																				-27.07%
Shares Change	snapshot only																				2.56%
Dividend Growth	snapshot only																				17.29%

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	15.9%	11.5%	7.9%	5.6%	2.9%	2.6%	4.6%	7.7%	12.6%	18.1%	21.9%	24.3%	25.1%	25.6%	25.3%	24.0%	24.4%	23.1%	20.9%	17.7%	17.72%
Revenue 5Y	—	—	—	—	48.0%	29.7%	20.7%	15.8%	16.7%	16.8%	16.2%	15.8%	15.3%	14.8%	14.8%	14.7%	15.6%	16.1%	16.5%	16.3%	16.35%
EPS 3Y	50.9%	54.2%	29.8%	24.4%	14.3%	13.4%	16.8%	24.9%	30.9%	29.4%	36.6%	21.8%	11.3%	5.7%	3.8%	3.0%	5.9%	7.9%	6.7%	8.7%	8.74%
EPS 5Y	—	—	—	—	55.5%	32.8%	35.4%	26.7%	35.1%	29.8%	17.3%	15.5%	12.2%	12.5%	13.1%	16.9%	18.7%	20.9%	24.1%	16.2%	16.23%
Net Income 3Y	59.8%	55.7%	31.1%	25.7%	14.0%	12.3%	15.6%	23.7%	30.1%	35.0%	42.3%	26.7%	16.0%	11.0%	9.2%	8.3%	11.8%	15.1%	13.9%	15.9%	15.87%
Net Income 5Y	—	—	—	—	69.1%	39.0%	42.2%	32.5%	38.8%	34.1%	21.2%	19.5%	15.5%	15.6%	16.2%	20.1%	22.4%	25.1%	28.3%	19.9%	19.88%
EBITDA 3Y	37.0%	30.7%	25.0%	18.7%	7.9%	6.2%	9.2%	17.1%	24.1%	29.5%	42.0%	27.0%	16.8%	12.0%	8.5%	8.0%	11.4%	14.9%	16.4%	17.6%	17.56%
EBITDA 5Y	—	—	—	—	56.8%	37.8%	27.1%	21.6%	26.9%	21.4%	17.6%	15.5%	12.0%	12.0%	12.7%	16.4%	18.6%	21.7%	29.1%	20.7%	20.73%
Gross Profit 3Y	17.3%	15.7%	13.9%	11.7%	8.4%	7.1%	6.9%	9.3%	13.0%	16.5%	18.1%	16.0%	12.2%	9.5%	7.6%	6.7%	8.4%	9.9%	12.0%	12.4%	12.37%
Gross Profit 5Y	—	—	—	—	50.7%	31.3%	20.4%	14.2%	14.1%	12.9%	11.5%	10.5%	9.8%	9.0%	9.2%	10.1%	11.6%	13.2%	14.3%	12.9%	12.89%
Op. Income 3Y	48.2%	39.9%	30.9%	24.1%	12.1%	10.4%	14.1%	22.8%	29.7%	34.5%	41.3%	26.1%	15.8%	11.0%	9.0%	8.5%	12.0%	15.5%	16.8%	18.2%	18.16%
Op. Income 5Y	—	—	—	—	61.2%	42.2%	31.0%	25.6%	32.4%	25.8%	21.3%	18.9%	14.9%	14.8%	15.8%	19.8%	21.8%	24.6%	28.8%	20.5%	20.50%
FCF 3Y	71.5%	44.2%	-2.3%	32.3%	1.4%	99.6%	1.0%	67.7%	26.4%	1.4%	15.6%	22.3%	9.4%	-8.7%	33.3%	-3.5%	-10.9%	-15.0%	-14.3%	-1.6%	-1.63%
FCF 5Y	—	—	—	—	46.7%	1.0%	—	52.5%	43.2%	32.2%	16.0%	22.1%	72.0%	34.0%	46.1%	29.6%	7.1%	54.4%	5.3%	11.5%	11.53%
OCF 3Y	69.2%	43.2%	-2.4%	30.7%	1.2%	92.6%	94.5%	61.3%	23.8%	1.1%	15.1%	22.2%	9.7%	-8.3%	33.0%	-2.8%	-10.1%	-14.3%	-14.0%	-1.7%	-1.71%
OCF 5Y	—	—	—	—	46.4%	94.4%	—	50.6%	42.1%	31.7%	15.7%	21.4%	63.9%	31.4%	42.4%	27.1%	6.6%	45.2%	5.2%	11.3%	11.32%
Assets 3Y	23.8%	23.8%	10.7%	10.7%	10.7%	10.7%	10.1%	10.1%	10.1%	10.1%	11.6%	11.6%	11.6%	11.6%	12.4%	12.4%	12.4%	12.4%	9.4%	9.4%	9.45%
Assets 5Y	—	—	—	—	15.2%	15.2%	16.9%	16.9%	16.9%	16.9%	12.4%	12.4%	12.4%	12.4%	11.5%	11.5%	11.5%	11.5%	8.6%	8.6%	8.60%
Equity 3Y	20.7%	20.7%	8.7%	8.7%	8.7%	8.7%	0.7%	0.7%	0.7%	0.7%	7.1%	7.1%	7.1%	7.1%	9.3%	9.3%	9.3%	9.3%	18.3%	18.3%	18.30%
Book Value 3Y	13.9%	19.5%	7.7%	7.6%	9.1%	9.8%	1.7%	1.7%	1.3%	-3.5%	2.9%	3.0%	2.8%	2.1%	3.9%	3.9%	3.5%	2.4%	10.8%	11.0%	11.02%
Dividend 3Y	34.3%	36.6%	21.7%	18.4%	17.2%	8.9%	5.2%	1.7%	-1.2%	-3.7%	-1.7%	0.3%	2.0%	-0.9%	-2.2%	-2.5%	-3.3%	-2.8%	-1.9%	-1.0%	-1.03%

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	0.69	0.60	0.59	0.68	0.74	0.75	0.82	0.89	0.90	0.81	0.75	0.72	0.70	0.73	0.77	0.82	0.85	0.89	0.91	0.92	0.916
Earnings Stability	0.84	0.78	0.69	0.87	0.89	0.82	0.77	0.89	0.87	0.82	0.77	0.90	0.88	0.82	0.80	0.92	0.94	0.88	0.85	0.92	0.918
Margin Stability	0.93	0.90	0.88	0.89	0.91	0.90	0.90	0.90	0.90	0.88	0.86	0.86	0.85	0.83	0.82	0.82	0.83	0.84	0.88	0.88	0.884
Rev. Growth Consistency	1.00	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	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
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	0.50	0.95	0.98	0.98	0.98	0.95	0.91	0.91	0.89	0.91	0.92	0.95	0.99	1.00	0.98	0.97	0.93	0.930
Earnings Smoothness	0.46	0.27	0.15	0.51	0.88	0.94	0.95	0.96	0.89	0.80	0.80	0.76	0.79	0.83	0.89	0.96	0.99	0.95	0.93	0.84	0.839
ROE Trend	0.02	0.04	0.05	0.05	0.03	0.02	0.04	0.03	0.03	0.03	-0.00	0.00	0.01	0.01	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.002
Gross Margin Trend	0.10	0.16	0.20	0.19	0.13	0.08	-0.01	-0.09	-0.15	-0.21	-0.23	-0.23	-0.21	-0.19	-0.14	-0.10	-0.07	-0.01	0.03	0.05	0.053
FCF Margin Trend	0.28	0.42	0.01	0.24	0.14	0.36	0.31	0.06	-0.09	-0.14	-0.11	-0.15	-0.14	-0.34	-0.18	-0.16	-0.15	-0.09	-0.07	-0.00	-0.001
Sustainable Growth Rate	8.6%	9.9%	9.8%	9.8%	8.7%	8.4%	9.3%	9.5%	10.3%	10.9%	10.6%	11.3%	11.6%	11.9%	10.1%	9.8%	9.8%	10.4%	9.5%	10.2%	10.19%
Internal Growth Rate	1.1%	1.3%	1.2%	1.2%	1.1%	1.1%	1.1%	1.1%	1.2%	1.3%	1.2%	1.2%	1.3%	1.3%	1.2%	1.1%	1.1%	1.2%	1.2%	1.3%	1.27%

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	1.77	1.73	0.80	1.63	1.87	2.60	2.51	1.97	1.68	2.04	1.54	1.57	1.49	0.98	1.45	1.18	0.98	1.07	1.08	1.20	1.204
FCF/OCF	0.99	0.99	0.97	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.96	0.95	0.96	0.97	0.99	0.985
FCF/Net Income	snapshot only																				1.186
OCF/EBITDA	snapshot only																				0.844
CapEx/Revenue	0.5%	0.5%	0.7%	0.8%	1.2%	1.1%	1.0%	0.8%	0.6%	0.6%	0.7%	0.7%	0.6%	0.5%	0.6%	0.9%	0.9%	0.9%	0.6%	0.4%	0.39%
CapEx/Depreciation	snapshot only																				0.652
Accruals Ratio	-0.01	-0.01	0.00	-0.01	-0.01	-0.02	-0.02	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	0.00	-0.01	-0.00	0.00	-0.00	-0.00	-0.00	-0.003
Sloan Accruals	snapshot only																				0.177
Cash Flow Adequacy	snapshot only																				7.770
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	1.1%	1.3%	1.2%	1.4%	1.7%	1.9%	1.7%	1.7%	2.0%	1.7%	1.5%	1.6%	1.6%	1.4%	1.3%	1.4%	1.4%	1.4%	1.4%	1.3%	1.33%
Dividend/Share	$0.23	$0.29	$0.32	$0.34	$0.37	$0.37	$0.36	$0.36	$0.36	$0.32	$0.33	$0.35	$0.36	$0.36	$0.36	$0.37	$0.38	$0.39	$0.40	$0.42	$0.44
Payout Ratio	11.6%	12.5%	13.0%	14.0%	16.5%	16.8%	15.5%	14.9%	13.9%	13.9%	13.5%	13.2%	13.5%	13.2%	13.1%	13.8%	14.3%	14.0%	14.0%	13.7%	13.74%
FCF Payout Ratio	6.7%	7.3%	16.7%	8.8%	9.0%	6.6%	6.3%	7.7%	8.4%	6.9%	9.0%	8.6%	9.2%	13.8%	9.3%	12.2%	15.4%	13.6%	13.3%	11.6%	11.58%
Total Payout Ratio	36.0%	45.4%	44.1%	46.3%	44.2%	37.7%	35.1%	25.7%	18.3%	13.9%	13.5%	13.2%	13.5%	13.2%	13.1%	14.4%	25.9%	25.1%	32.2%	37.3%	37.31%
Div. Increase Streak	1	1	1	1	1	1	1	1	0	1	1	1	0	1	1	1	1	1	1	1	1
Chowder Number	1.89	1.64	0.87	0.73	0.61	0.27	0.14	0.04	-0.03	0.03	0.09	0.15	0.21	0.14	0.10	0.09	0.08	0.13	0.16	0.19	0.186
Buyback Yield	2.3%	3.3%	3.0%	3.1%	2.8%	2.4%	2.1%	1.2%	0.6%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	1.2%	1.1%	1.8%	2.3%	2.29%
Net Buyback Yield	1.5%	2.7%	2.7%	3.0%	2.6%	2.2%	1.9%	1.1%	0.5%	-0.2%	-0.2%	-0.2%	-0.2%	-0.3%	-0.4%	-0.3%	0.8%	0.9%	1.6%	2.2%	2.15%
Total Shareholder Return	2.6%	4.0%	4.0%	4.3%	4.2%	4.1%	3.6%	2.8%	2.5%	1.5%	1.3%	1.4%	1.4%	1.0%	0.9%	1.1%	2.2%	2.3%	3.0%	3.5%	3.49%

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)	0.74	0.75	0.75	0.75	0.76	0.76	0.77	0.76	0.75	0.75	0.74	0.74	0.74	0.75	0.75	0.75	0.76	0.76	0.75	0.75	0.752
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	0.95	0.95	0.950
EBIT Margin	0.33	0.38	0.39	0.38	0.35	0.32	0.32	0.30	0.30	0.28	0.27	0.27	0.26	0.26	0.26	0.26	0.25	0.27	0.29	0.31	0.308
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.07	0.07	0.07	0.07	0.08	0.07	0.07	0.07	0.07	0.07	0.07	0.066
Equity Multiplier	7.66	7.66	7.97	7.97	7.97	7.97	8.77	8.77	8.77	8.77	9.25	9.25	9.25	9.25	8.83	8.83	8.83	8.83	8.12	8.12	8.116

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)	$1.96	$2.31	$2.44	$2.45	$2.26	$2.21	$2.35	$2.39	$2.56	$2.32	$2.48	$2.62	$2.70	$2.73	$2.73	$2.68	$2.69	$2.77	$2.86	$3.07	$3.07
Book Value/Share	$20.82	$21.19	$22.01	$21.99	$22.24	$22.38	$20.50	$20.40	$20.51	$17.62	$22.74	$22.64	$22.64	$22.52	$24.71	$24.64	$24.64	$24.06	$27.91	$27.91	$28.56
Tangible Book/Share	$16.35	$16.65	$17.65	$17.63	$17.84	$17.95	$16.25	$16.17	$16.25	$13.97	$18.07	$17.99	$17.98	$17.89	$20.22	$20.17	$20.17	$19.69	$23.50	$23.50	$23.50
Revenue/Share	$7.98	$8.17	$8.32	$8.51	$8.59	$8.94	$9.54	$10.35	$11.51	$11.20	$12.23	$13.07	$13.82	$14.02	$14.07	$13.93	$14.03	$13.75	$13.86	$13.96	$14.14
FCF/Share	$3.41	$3.96	$1.90	$3.93	$4.14	$5.62	$5.80	$4.63	$4.22	$4.66	$3.73	$4.01	$3.94	$2.60	$3.87	$3.03	$2.49	$2.84	$3.00	$3.64	$3.69
OCF/Share	$3.45	$4.00	$1.96	$4.00	$4.24	$5.73	$5.90	$4.71	$4.28	$4.73	$3.81	$4.10	$4.03	$2.67	$3.96	$3.16	$2.62	$2.97	$3.09	$3.69	$3.74
Cash/Share	$39.56	$40.26	$42.43	$42.39	$42.87	$43.15	$36.24	$36.06	$36.26	$31.15	$36.03	$35.87	$35.86	$35.68	$39.14	$39.04	$39.04	$38.12	$32.26	$32.26	$38.33
EBITDA/Share	$2.66	$3.11	$3.43	$3.40	$3.10	$3.02	$3.18	$3.26	$3.52	$3.21	$3.45	$3.63	$3.75	$3.77	$3.76	$3.68	$3.65	$3.78	$4.14	$4.38	$4.38
Debt/Share	$9.97	$10.15	$16.99	$16.97	$17.17	$17.28	$20.50	$20.40	$20.51	$17.62	$12.72	$12.66	$12.66	$12.60	$17.53	$17.49	$17.49	$17.08	$12.44	$12.44	$12.44
Net Debt/Share	$-29.59	$-30.11	$-25.44	$-25.41	$-25.70	$-25.87	$-15.74	$-15.66	$-15.75	$-13.53	$-23.31	$-23.21	$-23.20	$-23.08	$-21.61	$-21.55	$-21.55	$-21.04	$-19.82	$-19.82	$-19.82

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.215
Altman Z-Prime	snapshot only																				-1.707
Piotroski F-Score	7	8	7	8	7	6	6	6	7	6	6	6	6	5	8	8	5	7	7	7	7
Beneish M-Score	-2.13	-2.05	-2.57	-2.54	-2.46	-2.46	-1.96	-1.91	-1.87	-1.84	-1.98	-2.06	-2.08	-2.08	-2.45	-2.43	-2.26	-2.48	-3.42	-3.21	-3.211
Ohlson O-Score	snapshot only																				-4.818
Net-Net WC	snapshot only																				$-152.34
EVA	snapshot only																				$109917371.15

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	77.80	80.08	64.96	67.24	67.24	80.35	61.81	61.32	61.21	64.29	67.09	78.67	78.50	67.04	70.65	69.52	68.34	70.00	69.64	68.83	68.828
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				-0.696
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				60
Sector Credit Rank	snapshot only																				59

BY 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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