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CARE NASDAQ

Carter Bankshares, Inc.
1W: -0.4% 1M: +10.6% 3M: +23.1% YTD: +38.7% 1Y: +68.5% 3Y: +97.9% 5Y: +92.1%
$27.44
+0.49 (+1.82%)
 
Weekly Expected Move ±3.3%
$24 $25 $26 $27 $28
NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 75 · $609.8M mcap · 21M float · 1.34% daily turnover · Short 59% of daily vol
Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings
Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

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
60.7 / 100
NoneWeakNarrowWide
Primary source: Intangible Assets  ·  ROIC: -54.5%
Cost Advantage
73
Intangibles
76
Switching Cost
49
Network Effect
64
Scale
35
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. CARE has a Narrow competitive edge (60.7/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. Negative ROIC of -54.5% indicates the company is currently destroying value, though this may reflect a growth investment phase.

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
$27
Low
$27
Avg Target
$27
High
Based on 1 analyst since Apr 23, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 1Hold: 3Sell: 0Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$27.00
Analysts1
Consensus Change History
DateFieldFromTo
2026-05-17 consensus Buy Hold
2026-03-27 consensus Hold Buy
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-04-27 Raymond James — $22 $27 +5 +9.1% $24.75
2025-10-07 Raymond James — Initiated $22 — +13.3% $19.41

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
3
ROE
5
ROA
4
D/E
1
P/E
4
P/B
3
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. CARE receives an overall rating of A-. Strongest factors: ROE (5/5), ROA (4/5), P/E (4/5). Areas of concern: D/E (1/5).
Rating Change History
DateFromTo
2026-04-27 B A-
2026-04-24 B+ B
2026-04-01 B B+
2026-02-06 B- B
2026-02-02 B B-
2026-01-16 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.

★ ★ ★ ★ ★ 75 Grade A+
Profitability
82
Balance Sheet
57
Earnings Quality
85
Growth
78
Value
80
Momentum
100
Safety
80
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. CARE scores highest in Momentum (100/100) and lowest in Balance Sheet (57/100). An overall grade of A+ places CARE 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
3.09
Safe Zone
Piotroski F-Score
9/9
✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Beneish M-Score
-2.58
Unlikely Manipulator
Ohlson O-Score
-5.28
Bankruptcy prob: 0.5%
Low Risk
Credit Rating
AA
Score: 89.3/100
Trend: Improving
Earnings Quality
100/100
OCF/NI: 3.12x
Accruals: -4.8%
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. CARE scores 3.09, 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. CARE scores 9/9, 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. CARE's score of -2.58 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. CARE's implied 0.5% 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. CARE receives an estimated rating of AA (score: 89.3/100), 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). CARE'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
5.54x
PEG
0.02x
P/S
1.91x
P/B
1.19x
P/FCF
1.56x
P/OCF
1.51x
EV/EBITDA
-0.76x
EV/Revenue
-0.34x
EV/EBIT
-0.78x
EV/FCF
-0.33x
Earnings Yield
21.23%
FCF Yield
64.27%
Shareholder Yield
3.93%
Graham Number
$46.26
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 5.5x earnings, CARE trades at a deep value multiple. An earnings yield of 21.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $46.26 per share, suggesting a potential 69% 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
0.779
NI / EBT
×
Interest Burden
1.000
EBT / EBIT
×
EBIT Margin
0.434
EBIT / Rev
×
Asset Turnover
0.067
Rev / Assets
×
Equity Multiplier
11.830
Assets / Equity
=
ROE
26.9%
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. CARE's ROE of 26.9% is driven by financial leverage (equity multiplier: 11.83x). 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
27.53%
Fair P/E
63.57x
Intrinsic Value
$314.72
Price/Value
0.07x
Margin of Safety
92.59%
Premium
-92.59%
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 CARE's realized 27.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $314.72, CARE appears undervalued with a 93% margin of safety. The adjusted fair P/E of 63.6x compares to the current market P/E of 5.5x.

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
$27.44
Median 1Y
$26.43
5th Pctile
$13.32
95th Pctile
$52.50
Ann. Volatility
42.1%
Analyst Target
$27.00
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

ExecutiveSalaryStockTotal
Litz H. Van
Dyke CEO of the Company and the Bank
 $703,114 $300,030 $1,355,859
Bradford N. Langs
President and Chief Strategy Officer of the Bank
 $577,788 $160,036 $1,020,274
Wendy S. Bell
CFO of the Company; Senior Executive Vice President and CFO of the Bank
 $429,718 $122,020 $746,717
Matthew M. Speare
 $401,063 $118,034 $700,437
Tony E. Kallsen
Senior Executive Vice President and Chief Credit Officer of the Bank
 $365,444 $80,018 $608,247

CEO Pay Ratio

12:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $1,355,859
Avg Employee Cost (SGA/emp): $109,699
Employees: 687

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
687
+1.0% YoY
Revenue / Employee
$370,635
Rev: $254,626,000
Profit / Employee
$45,651
NI: $31,362,000
SGA / Employee
$109,699
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 Trend 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 -8.7% 6.3% 7.5% 7.4% 8.7% 9.5% 13.6% 15.4% 14.0% 11.1% 6.9% 3.9% 3.6% 4.2% 6.7% 7.5% 8.5% 8.5% 7.8% 26.9% 26.91%
ROA -1.0% 0.7% 0.8% 0.8% 0.9% 1.0% 1.2% 1.4% 1.2% 1.0% 0.5% 0.3% 0.3% 0.3% 0.5% 0.6% 0.7% 0.7% 0.7% 2.3% 2.27%
ROIC 5.4% -5.3% -4.0% -4.0% -4.7% -5.1% -14.1% -15.9% -14.5% -11.5% -79.2% -44.9% -41.8% -48.6% -7.4% -8.3% -9.5% -9.4% -15.8% -54.5% -54.47%
ROCE -7.5% 6.4% 8.2% 8.3% 9.7% 11.4% 11.1% 12.9% 11.7% 9.0% 3.6% 2.0% 2.0% 2.3% 6.1% 6.9% 7.8% 7.8% 0.8% 2.9% 2.95%
Gross Margin 83.1% 87.6% 85.4% 86.9% 84.3% 90.0% 86.6% 77.5% 63.6% 57.9% 47.5% 56.1% 54.9% 54.9% 63.3% 61.7% 63.2% 54.9% 65.2% 1.1% 1.08%
Operating Margin 17.1% 29.9% 18.5% 28.8% 30.0% 41.5% 36.1% 36.4% 12.0% 8.3% -3.6% 12.4% 10.0% 11.5% 17.5% 18.0% 17.2% 11.3% 17.2% 84.5% 84.54%
Net Margin 14.7% 27.6% 14.8% 25.2% 25.7% 30.8% 29.5% 28.4% 11.9% 6.8% -3.5% 10.0% 8.1% 9.2% 13.6% 14.5% 13.8% 8.5% 13.1% 65.9% 65.89%
EBITDA Margin 21.3% 33.7% 22.6% 32.8% 33.6% 44.8% 39.1% 39.1% 15.3% 11.3% -0.6% 15.3% 12.9% 14.4% 20.6% 21.1% 20.4% 14.3% 17.2% 84.5% 84.54%
FCF Margin 10.0% 45.0% 44.2% 53.8% 46.5% 36.0% 36.4% 37.3% 31.5% 24.8% 17.5% 15.4% 11.3% 11.4% 12.0% 7.1% 11.9% 12.5% 11.9% 1.0% 1.02%
OCF Margin 14.1% 50.1% 49.6% 58.9% 51.5% 39.9% 39.7% 40.8% 36.1% 29.4% 22.2% 19.7% 14.4% 14.4% 15.4% 10.6% 15.4% 15.8% 15.8% 1.1% 1.05%
ROE 3Y Avg snapshot only 12.25%
ROE 5Y Avg snapshot only 12.35%
ROA 3Y Avg snapshot only 1.04%
ROIC Economic snapshot only 18.28%
Cash ROA snapshot only 6.95%
NOPAT Margin snapshot only 33.81%
Pretax Margin snapshot only 43.41%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 22.75%
SBC / Revenue snapshot only 0.50%
Valuation
Metric Trend 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 -8.25 12.95 12.84 14.18 8.76 9.74 7.91 5.87 6.73 7.03 14.70 21.72 27.94 27.95 16.67 13.38 12.61 13.89 13.70 4.71 5.542
P/S Ratio 2.10 2.38 2.59 2.94 2.06 2.39 2.22 1.68 1.71 1.37 1.63 1.35 1.54 1.73 1.71 1.52 1.61 1.74 1.71 1.59 1.906
P/B Ratio 0.75 0.85 0.99 1.10 0.79 0.96 1.21 1.01 1.06 0.87 0.98 0.82 0.98 1.14 1.06 0.96 1.03 1.13 1.02 1.21 1.187
P/FCF 21.00 5.28 5.87 5.45 4.42 6.64 6.11 4.51 5.41 5.50 9.30 8.79 13.60 15.11 14.19 21.36 13.51 13.90 14.36 1.56 1.556
P/OCF 14.85 4.75 5.23 4.99 4.00 5.99 5.60 4.12 4.73 4.64 7.35 6.86 10.68 12.03 11.07 14.41 10.48 11.03 10.78 1.51 1.510
EV/EBITDA 21.26 -16.07 -18.79 -17.68 -17.98 -14.42 -4.25 -4.53 -4.75 -7.10 -1.06 -4.24 -1.60 0.82 -8.10 -8.23 -6.83 -6.00 -4.12 -0.76 -0.762
EV/Revenue -4.17 -3.88 -5.04 -4.90 -5.53 -4.91 -1.61 -1.78 -1.65 -1.89 -0.18 -0.44 -0.16 0.09 -1.28 -1.42 -1.31 -1.14 -0.75 -0.34 -0.340
EV/EBIT 17.68 -19.21 -22.06 -20.70 -20.57 -16.18 -4.67 -4.92 -5.21 -7.99 -1.29 -5.99 -2.27 1.12 -9.96 -9.95 -8.12 -7.16 -4.71 -0.78 -0.783
EV/FCF -41.81 -8.62 -11.41 -9.10 -11.89 -13.64 -4.44 -4.77 -5.24 -7.60 -1.01 -2.84 -1.40 0.77 -10.67 -19.97 -10.95 -9.10 -6.30 -0.33 -0.332
Earnings Yield -12.1% 7.7% 7.8% 7.1% 11.4% 10.3% 12.6% 17.0% 14.9% 14.2% 6.8% 4.6% 3.6% 3.6% 6.0% 7.5% 7.9% 7.2% 7.3% 21.2% 21.23%
FCF Yield 4.8% 18.9% 17.0% 18.3% 22.6% 15.1% 16.4% 22.2% 18.5% 18.2% 10.7% 11.4% 7.4% 6.6% 7.0% 4.7% 7.4% 7.2% 7.0% 64.3% 64.27%
PEG Ratio snapshot only 0.018
Price/Tangible Book snapshot only 1.220
EV/OCF snapshot only -0.322
EV/Gross Profit snapshot only -0.423
Acquirers Multiple snapshot only -0.783
Shareholder Yield snapshot only 3.93%
Graham Number snapshot only $46.26
Leverage & Solvency
Metric Trend 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 0.28 0.28 0.32 0.32 0.32 0.32 0.24 0.24 0.24 0.24 0.22 0.22 0.22 0.22 0.20 0.20 0.20 0.20 0.75 0.75 0.753
Quick Ratio 0.28 0.28 0.32 0.32 0.32 0.32 0.24 0.24 0.24 0.24 0.22 0.22 0.22 0.22 0.20 0.20 0.20 0.20 0.75 0.75 0.753
Debt/Equity 0.08 0.08 0.02 0.02 0.02 0.02 0.60 0.60 0.60 0.60 1.12 1.12 1.12 1.12 0.18 0.18 0.18 0.18 0.43 0.43 0.425
Net Debt/Equity -2.24 -2.24 -2.93 -2.93 -2.93 -2.93 -2.08 -2.08 -2.08 -2.08 -1.08 -1.08 -1.08 -1.08 -1.86 -1.86 -1.86 -1.86 -1.47 -1.47 -1.473
Debt/Assets 0.01 0.01 0.00 0.00 0.00 0.00 0.05 0.05 0.05 0.05 0.09 0.09 0.09 0.09 0.02 0.02 0.02 0.02 0.04 0.04 0.037
Debt/EBITDA -1.13 0.92 0.17 0.17 0.14 0.13 2.93 2.56 2.80 3.55 11.25 17.95 17.67 15.69 1.85 1.66 1.49 1.48 3.90 1.25 1.250
Net Debt/EBITDA 31.93 -25.92 -28.46 -28.28 -24.66 -21.43 -10.10 -8.82 -9.66 -12.24 -10.89 -17.37 -17.10 -15.19 -18.88 -17.02 -15.25 -15.15 -13.49 -4.33 -4.330
Interest Coverage -1.31 1.26 1.57 1.74 2.19 2.69 3.05 2.65 1.64 0.88 0.39 0.18 0.16 0.18 0.29 0.32 0.37 0.38 0.39 1.41 1.406
Equity Multiplier 9.49 9.49 10.14 10.14 10.14 10.14 12.79 12.79 12.79 12.79 12.85 12.85 12.85 12.85 12.12 12.12 12.12 12.12 11.56 11.56 11.561
Cash Ratio snapshot only 5.699
Debt Service Coverage snapshot only 1.446
Cash to Debt snapshot only 4.464
FCF to Debt snapshot only 1.834
Defensive Interval snapshot only 2518.1 days
Efficiency & Turnover
Metric Trend 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 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.07 0.067
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover — — — — — — — — — — 7.10 7.17 7.55 7.82 3.90 3.96 4.00 4.04 6.20 7.88 7.875
Payables Turnover — — — — — — — — — — — — — — — — — — — — —
DSO 0 0 0 0 0 0 0 0 0 0 51 51 48 47 94 92 91 90 59 46 46.3 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 0 0 0 0 0 0 0 0 0 0 51 51 48 47 94 92 91 90 59 46 —
Fixed Asset Turnover snapshot only 4.413
Cash Velocity snapshot only 0.402
Capital Intensity snapshot only 15.166
Growth (YoY)
Metric Trend 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 -6.0% -4.1% -4.5% -5.9% -0.0% 3.8% 14.2% 29.8% 29.7% 28.7% 18.0% 7.6% 10.0% 10.3% 13.7% 14.3% 9.6% 6.9% 5.0% 31.5% 31.52%
Net Income -3.0% 1.6% 1.7% 1.8% 1.9% 38.7% 58.7% 79.9% 40.1% 1.9% -53.3% -76.6% -76.1% -64.9% 4.9% 1.1% 1.5% 1.2% 27.9% 2.9% 2.91%
EPS -3.0% 1.6% 1.7% 1.8% 2.0% 50.6% 74.9% 94.8% 45.9% 7.8% -51.4% -75.6% -75.4% -65.1% 3.6% 1.1% 1.5% 1.2% 36.0% 3.1% 3.09%
FCF 24.0% 6.9% 29.6% 13.0% 3.7% -17.0% -6.0% -10.0% -12.2% -11.1% -43.1% -55.6% -60.5% -49.2% -22.0% -47.1% 15.4% 17.2% 3.9% 17.9% 17.90%
EBITDA -2.2% 2.0% 2.1% 2.3% 2.6% 46.4% 61.7% 83.9% 46.4% 0.5% -48.4% -71.8% -68.6% -55.2% 8.5% 91.9% 1.1% 88.5% 20.8% 2.4% 2.39%
Op. Income -2.8% 1.7% 1.8% 1.9% 2.1% 56.0% 72.9% 98.4% 52.9% 0.1% -53.5% -78.3% -75.8% -63.2% 7.5% 1.2% 1.5% 1.2% 29.6% 3.0% 2.99%
OCF Growth snapshot only 12.14%
Asset Growth snapshot only 4.14%
Equity Growth snapshot only 9.21%
Debt Growth snapshot only 1.55%
Shares Change snapshot only -4.49%
Growth (CAGR)
Metric Trend 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 0.2% -0.0% -0.3% -1.8% -0.9% -0.5% 2.0% 5.3% 6.8% 8.6% 8.8% 9.6% 12.5% 13.8% 15.3% 16.9% 16.0% 14.9% 12.1% 17.4% 17.39%
Revenue 5Y -0.4% 0.2% 1.7% 1.4% 2.1% 2.7% 3.6% 5.7% 5.5% 6.0% 5.9% 5.8% 6.8% 7.0% 7.3% 7.5% 8.0% 8.6% 9.0% 14.6% 14.61%
EPS 3Y — 1.0% 38.3% 44.8% 52.2% 18.2% 27.6% 39.1% 42.2% — — — — -17.2% -4.2% -0.4% -3.0% -5.4% -11.9% 27.5% 27.53%
EPS 5Y — -2.2% 14.9% 18.2% 43.2% 1.3% — 1.0% 40.5% 68.7% 17.6% 7.6% 4.9% -9.1% 0.9% 6.4% 12.5% — — — —
Net Income 3Y — 1.0% 38.4% 43.8% 48.6% 15.0% 23.5% 34.2% 37.0% — — — — -20.8% -8.1% -4.3% -5.3% -8.1% -14.5% 24.0% 24.00%
Net Income 5Y — -2.1% 14.6% 17.7% 42.9% 1.4% — 98.4% 37.5% 64.2% 14.5% 4.5% 1.9% -11.5% -1.6% 3.4% 9.3% — — — —
EBITDA 3Y — — 32.6% 32.1% 39.4% 19.4% 27.0% 37.2% 39.8% — — — — -13.0% -3.3% -0.1% -1.0% -5.3% -12.2% 22.5% 22.54%
EBITDA 5Y — -2.2% 14.9% 19.5% 56.2% — — — — — 14.2% 3.7% 4.5% -5.2% 2.7% 7.0% 12.6% — — — —
Gross Profit 3Y 9.3% 11.1% 8.5% 8.4% 10.3% 7.2% 9.6% 12.7% 12.6% 10.3% 5.8% 1.2% 0.6% -0.5% 1.5% 3.0% 3.3% 2.0% -0.3% 15.5% 15.51%
Gross Profit 5Y 2.1% 4.4% 10.5% 11.0% 14.9% 18.6% 17.6% 17.7% 12.1% 10.4% 4.8% 3.1% 3.8% 1.5% 3.1% 4.2% 5.7% 6.0% 7.0% 17.4% 17.38%
Op. Income 3Y — — 35.6% 36.5% 47.2% 21.5% 30.5% 42.9% 47.6% — — — — -16.8% -4.7% -1.2% -2.3% -7.2% -13.5% 24.8% 24.77%
Op. Income 5Y — -4.0% 15.2% 20.7% 84.9% — — — — — 15.0% 1.8% 3.4% -8.0% 2.1% 7.3% 14.4% — — — —
FCF 3Y -24.9% 25.9% 26.0% 28.0% 22.3% 22.7% 29.6% 1.5% 71.8% — — 77.5% 17.4% -27.9% -25.3% -40.4% -26.3% -19.1% -22.7% 64.4% 64.36%
FCF 5Y -16.1% 16.2% 13.7% 14.9% 14.4% 4.3% 9.8% 14.9% 11.6% 8.0% 1.4% -3.5% -8.7% -3.6% -0.7% 31.0% 18.3% — — 1.2% 1.24%
OCF 3Y -22.2% 17.4% 16.4% 19.5% 16.1% 15.4% 22.7% 74.8% 45.7% — 82.4% 47.5% 13.4% -24.9% -21.9% -34.1% -22.4% -15.6% -17.4% 61.1% 61.06%
OCF 5Y -10.0% 18.3% 15.8% 16.4% 16.2% 6.1% 10.1% 13.5% 9.3% 4.9% -1.0% -4.4% -9.0% -4.7% -0.7% 11.2% 9.7% — 38.9% 91.6% 91.62%
Assets 3Y 0.5% 0.5% 0.8% 0.8% 0.8% 0.8% 1.6% 1.6% 1.6% 1.6% 2.6% 2.6% 2.6% 2.6% 4.1% 4.1% 4.1% 4.1% 4.9% 4.9% 4.89%
Assets 5Y -3.1% -3.1% -1.7% -1.7% -1.7% -1.7% 0.4% 0.4% 0.4% 0.4% 2.2% 2.2% 2.2% 2.2% 3.1% 3.1% 3.1% 3.1% 3.0% 3.0% 3.03%
Equity 3Y 0.6% 0.6% -2.2% -2.2% -2.2% -2.2% -11.4% -11.4% -11.4% -11.4% -7.2% -7.2% -7.2% -7.2% -1.9% -1.9% -1.9% -1.9% 8.5% 8.5% 8.50%
Book Value 3Y 0.5% 0.5% -2.3% -1.5% 0.2% 0.5% -8.5% -8.2% -8.1% -7.2% -2.8% -2.7% -2.7% -3.0% 2.3% 2.0% 0.4% 0.9% 11.8% 11.6% 11.59%
Dividend 3Y — — — — — — — — — — — — — — — — — — — — —
Growth Quality
Metric Trend 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 0.03 0.17 0.40 0.21 0.33 0.45 0.49 0.41 0.38 0.47 0.61 0.59 0.63 0.64 0.71 0.72 0.79 0.86 0.94 0.87 0.868
Earnings Stability 0.50 0.06 0.01 0.00 0.00 0.12 0.15 0.20 0.14 0.24 0.11 0.09 0.09 0.12 0.12 0.12 0.15 0.31 0.30 0.56 0.563
Margin Stability 0.90 0.88 0.85 0.83 0.79 0.76 0.77 0.79 0.85 0.85 0.84 0.82 0.82 0.83 0.82 0.80 0.81 0.82 0.82 0.82 0.821
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 0.00 0.50 0.50 0.50 0.50 1.00 1.00 1.00 1.00 1.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 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 0.20 0.20 0.20 0.20 0.20 0.50 0.50 0.50 0.50 0.99 0.50 0.50 0.50 0.50 0.98 0.50 0.50 0.50 0.89 0.50 0.500
Earnings Smoothness — — — — — 0.68 0.55 0.43 0.67 0.98 0.27 0.00 0.00 0.04 0.95 0.30 0.13 0.26 0.76 0.00 0.000
ROE Trend -0.12 0.08 0.10 0.10 0.11 0.11 0.17 0.18 0.16 0.04 -0.05 -0.09 -0.09 -0.07 -0.05 -0.03 -0.01 -0.00 0.01 0.20 0.203
Gross Margin Trend 0.11 0.11 0.16 0.16 0.14 0.13 0.11 0.06 -0.02 -0.12 -0.24 -0.29 -0.29 -0.26 -0.17 -0.11 -0.06 -0.02 0.02 0.23 0.229
FCF Margin Trend -0.06 0.39 0.36 0.51 0.38 0.17 0.15 0.09 0.03 -0.16 -0.23 -0.30 -0.28 -0.19 -0.15 -0.19 -0.09 -0.06 -0.03 0.91 0.911
Sustainable Growth Rate — 6.3% 7.5% 7.4% 8.7% 9.5% 13.6% 15.4% 14.0% 11.1% 6.9% 3.9% 3.6% 4.2% 6.7% 7.5% 8.5% 8.5% 7.8% 26.9% 26.91%
Internal Growth Rate — 0.7% 0.8% 0.8% 0.9% 1.0% 1.2% 1.4% 1.3% 1.0% 0.5% 0.3% 0.3% 0.3% 0.5% 0.6% 0.7% 0.7% 0.7% 2.3% 2.33%
Cash Flow Quality
Metric Trend 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 -0.56 2.73 2.45 2.84 2.19 1.63 1.41 1.42 1.42 1.52 2.00 3.16 2.62 2.32 1.51 0.93 1.20 1.26 1.27 3.12 3.119
FCF/OCF 0.71 0.90 0.89 0.91 0.90 0.90 0.92 0.91 0.87 0.84 0.79 0.78 0.79 0.80 0.78 0.67 0.78 0.79 0.75 0.97 0.970
FCF/Net Income snapshot only 3.027
OCF/EBITDA snapshot only 2.363
CapEx/Revenue 4.1% 5.1% 5.4% 5.0% 4.9% 3.9% 3.3% 3.5% 4.6% 4.6% 4.6% 4.3% 3.1% 2.9% 3.4% 3.4% 3.4% 3.3% 4.0% 3.1% 3.11%
CapEx/Depreciation snapshot only 2.550
Accruals Ratio -0.02 -0.01 -0.01 -0.01 -0.01 -0.01 -0.00 -0.01 -0.01 -0.01 -0.01 -0.01 -0.00 -0.00 -0.00 0.00 -0.00 -0.00 -0.00 -0.05 -0.048
Sloan Accruals snapshot only 0.687
Cash Flow Adequacy snapshot only 33.889
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend 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 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% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.36%
Dividend/Share $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.10
Payout Ratio — 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% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
FCF Payout Ratio 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% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
Total Payout Ratio — 0.0% 0.0% 74.1% 87.9% 1.0% 85.7% 38.5% 39.9% 47.0% 70.2% 1.1% 51.3% 0.0% 0.0% 0.0% 29.1% 45.1% 63.8% 18.5% 18.49%
Div. Increase Streak — — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — — —
Buyback Yield 0.0% 0.0% 0.0% 5.2% 10.0% 10.3% 10.8% 6.6% 5.9% 6.7% 4.8% 4.9% 1.8% 0.0% 0.0% 0.0% 2.3% 3.2% 4.7% 3.9% 3.93%
Net Buyback Yield 0.0% 0.0% 0.0% 5.2% 10.0% 10.3% 10.8% 6.6% 5.9% 6.7% 4.8% 4.9% 1.8% 0.0% 0.0% 0.0% 2.3% 3.2% 4.7% 3.9% 3.93%
Total Shareholder Return 0.0% 0.0% 0.0% 5.2% 10.0% 10.3% 10.8% 6.6% 5.9% 6.7% 4.8% 4.9% 1.8% 0.0% 0.0% 0.0% 2.3% 3.2% 4.7% 3.9% 3.93%
DuPont Factors
Metric Trend 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) 1.08 0.91 0.88 0.87 0.87 0.81 0.81 0.79 0.80 0.82 0.81 0.85 0.79 0.78 0.79 0.80 0.79 0.79 0.78 0.78 0.779
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 -0.24 0.20 0.23 0.24 0.27 0.30 0.35 0.36 0.32 0.24 0.14 0.07 0.07 0.08 0.13 0.14 0.16 0.16 0.16 0.43 0.434
Asset Turnover 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.07 0.067
Equity Multiplier 8.96 8.96 9.81 9.81 9.81 9.81 11.33 11.33 11.33 11.33 12.82 12.82 12.82 12.82 12.47 12.47 12.47 12.47 11.83 11.83 11.830
Per Share
Metric Trend 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) $-1.52 $1.10 $1.20 $1.23 $1.51 $1.65 $2.10 $2.39 $2.20 $1.78 $1.02 $0.58 $0.54 $0.62 $1.06 $1.21 $1.38 $1.40 $1.43 $4.95 $4.95
Book Value/Share $16.71 $16.71 $15.47 $15.83 $16.64 $16.80 $13.75 $13.83 $13.98 $14.32 $15.30 $15.43 $15.39 $15.22 $16.54 $16.80 $16.85 $17.24 $19.20 $19.21 $23.11
Tangible Book/Share $16.71 $16.71 $15.47 $15.83 $16.64 $16.80 $13.75 $13.83 $13.98 $14.32 $15.30 $15.43 $15.39 $15.22 $16.54 $16.80 $16.85 $17.24 $19.10 $19.11 $19.11
Revenue/Share $5.97 $5.98 $5.93 $5.92 $6.42 $6.74 $7.47 $8.32 $8.67 $9.17 $9.18 $9.35 $9.82 $10.05 $10.31 $10.63 $10.77 $11.13 $11.51 $14.64 $14.64
FCF/Share $0.60 $2.69 $2.62 $3.18 $2.99 $2.42 $2.71 $3.10 $2.73 $2.28 $1.61 $1.44 $1.11 $1.15 $1.24 $0.76 $1.28 $1.40 $1.37 $14.99 $14.99
OCF/Share $0.84 $2.99 $2.94 $3.48 $3.30 $2.69 $2.96 $3.40 $3.13 $2.70 $2.04 $1.84 $1.42 $1.45 $1.59 $1.12 $1.65 $1.76 $1.82 $15.44 $15.44
Cash/Share $38.74 $38.74 $45.55 $46.63 $49.01 $49.46 $36.94 $37.15 $37.56 $38.49 $33.72 $34.00 $33.92 $33.55 $33.82 $34.37 $34.47 $35.26 $36.45 $36.47 $17.97
EBITDA/Share $-1.17 $1.44 $1.59 $1.64 $1.98 $2.29 $2.84 $3.26 $3.01 $2.44 $1.52 $0.96 $0.98 $1.09 $1.63 $1.84 $2.06 $2.12 $2.10 $6.54 $6.54
Debt/Share $1.33 $1.33 $0.27 $0.27 $0.29 $0.29 $8.30 $8.35 $8.44 $8.65 $17.14 $17.28 $17.23 $17.05 $3.01 $3.06 $3.07 $3.14 $8.17 $8.17 $8.17
Net Debt/Share $-37.41 $-37.41 $-45.28 $-46.35 $-48.72 $-49.17 $-28.64 $-28.81 $-29.12 $-29.84 $-16.59 $-16.72 $-16.68 $-16.50 $-30.81 $-31.31 $-31.40 $-32.12 $-28.29 $-28.30 $-28.30
Academic Models
Metric Trend 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 — — — — — — — — — — — — — — — — — — — — 3.085
Altman Z-Prime snapshot only 0.512
Piotroski F-Score 5 8 7 7 8 8 8 7 7 7 6 6 6 5 7 6 8 7 9 9 9
Beneish M-Score -2.81 -2.62 -2.71 -2.69 -2.41 -2.38 -2.01 -1.89 -2.14 -2.02 -2.11 -2.25 -2.15 -2.29 -2.52 -2.44 -2.47 -2.40 -3.05 -2.58 -2.577
Ohlson O-Score snapshot only -5.279
ROIC (Greenblatt) snapshot only 3.66%
Net-Net WC snapshot only $-198.06
Credit
Metric Trend 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 AA
Credit Score 50.22 74.74 72.32 72.17 77.59 77.34 74.74 77.48 74.69 57.38 41.16 37.36 34.93 36.64 61.88 54.37 69.52 68.35 50.66 89.27 89.271
Credit Grade snapshot only 3
Credit Trend snapshot only 34.902
Implied Spread (bps) snapshot only 80.000
Industry Credit Rank snapshot only 93
Sector Credit Rank snapshot only 84

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms