— Know what they know.
Not Investment Advice
Also trades as: DCOMP (NASDAQ) · $vol 0M · DCOMG (NASDAQ) · $vol 0M

DCOM NYSE

Dime Community Bancshares, Inc.
1W: +3.7% 1M: +8.1% 3M: +5.4% YTD: +46.3% 1Y: +57.0% 3Y: +160.2% 5Y: +46.8%
$42.52
-0.41 (-0.96%)
After Hours: $38.53 (-3.99, -9.38%)
Weekly Expected Move ±4.4%
$39 $41 $43 $45 $46
NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 69 · $1.9B mcap · 42M float · 0.831% daily turnover · Short 68% of daily vol
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

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.

NO EDGE
38.4 / 100
NoneWeakNarrowWide
Primary source: Network Effects  ·  ROIC: -9.5%
Cost Advantage
42
Intangibles
43
Switching Cost
27
Network Effect
48
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. DCOM has No discernible competitive edge (38.4/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. Negative ROIC of -9.5% 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
$47
Low
$48
Avg Target
$50
High
Based on 2 analysts since Oct 20, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 5Hold: 4Sell: 1Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$48.50
Analysts2
Consensus Change History
DateFieldFromTo
2026-10-21 consensus Hold Buy
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-10-22 D.A. Davidson Peter Winter $43 $50 +7 +19.8% $41.75
2026-10-21 Piper Sandler — Initiated $47 — +14.6% $41.01
2026-04-27 D.A. Davidson Peter Winter $39 $43 +4 +20.5% $35.67
2026-01-23 Stephens — $33 $36 +3 +6.3% $33.87
2026-01-22 D.A. Davidson Peter Winter $36 $39 +3 +14.0% $34.20
2025-12-16 Stephens — $32 $33 +0 +4.8% $31.50
2025-12-05 D.A. Davidson Peter Winter Initiated $36 — +21.3% $29.67
2025-04-23 Stephens Matt Breese Initiated $32 — +25.9% $25.81
2024-09-17 Raymond James Strong Buy $27 $35 +8 +34.6% $26.01
2024-03-13 Raymond James William Wallace IV Initiated $27 — +45.8% $18.52

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+
Oct 27, 2026
DCF
5
ROE
3
ROA
2
D/E
3
P/E
3
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. DCOM receives an overall rating of B+. Strongest factors: DCF (5/5). Areas of concern: ROA (2/5).
Rating Change History
DateFromTo
2026-10-26 A- B+
2026-10-21 C+ A-
2026-10-20 B+ C+
2026-10-16 A- B+
2026-10-01 B+ A-
2026-07-27 B B+
2026-07-25 C+ B
2026-07-23 B+ C+
2026-07-06 A- B+
2026-07-01 B+ A-

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.

★ ★ ★ ★ ★ 64 Grade A+
Profitability
56
Balance Sheet
60
Earnings Quality
82
Growth
68
Value
89
Momentum
94
Safety
80
Cash Flow
83
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. DCOM scores highest in Momentum (94/100) and lowest in Profitability (56/100). An overall grade of A+ places DCOM 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
3.07
Safe Zone
Piotroski F-Score
8/9
✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓
Beneish M-Score
-1.52
Possible Manipulator
Ohlson O-Score
-6.05
Bankruptcy prob: 0.2%
Low Risk
Credit Rating
AA-
Score: 82.4/100
Trend: Improving
Earnings Quality
100/100
OCF/NI: 1.57x
Accruals: -0.5%
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. DCOM scores 3.07, 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. DCOM 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. DCOM's score of -1.52 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. 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. DCOM'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. DCOM receives an estimated rating of AA- (score: 82.4/100), 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). DCOM'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
13.76x
PEG
0.08x
P/S
2.47x
P/B
1.20x
P/FCF
8.94x
P/OCF
8.74x
EV/EBITDA
-5.89x
EV/Revenue
-1.48x
EV/EBIT
-6.05x
EV/FCF
-5.64x
Earnings Yield
7.30%
FCF Yield
11.19%
Shareholder Yield
2.85%
Graham Number
$47.74
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 13.8x earnings, DCOM trades at a reasonable valuation. An earnings yield of 7.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $47.74 per share, suggesting a potential 12% 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
0.699
NI / EBT
×
Interest Burden
1.000
EBT / EBIT
×
EBIT Margin
0.245
EBIT / Rev
×
Asset Turnover
0.051
Rev / Assets
×
Equity Multiplier
9.899
Assets / Equity
=
ROE
8.7%
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. DCOM's ROE of 8.7% is driven by financial leverage (equity multiplier: 9.90x). 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.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate
15.00%
Fair P/E
38.50x
Intrinsic Value
$112.83
Price/Value
0.36x
Margin of Safety
64.42%
Premium
-64.42%
Assessment
Neutral
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with DCOM's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. DCOM trades at a -64% premium to its adjusted intrinsic value of $112.83, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 13.8x.

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
$42.52
Median 1Y
$43.48
5th Pctile
$21.28
95th Pctile
$88.86
Ann. Volatility
41.1%
Analyst Target
$48.50
25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

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

C-Suite Compensation

ExecutiveSalaryStockTotal
Stuart H. Lubow
President and Chief Executive Officer
$1,043,164 $1,163,271 $4,108,525
Conrad J. Gunther
Former Senior Executive Vice President
$500,187 $302,503 $2,291,407
Avinash Reddy
Senior Executive Vice President
$562,125 $427,480 $1,419,022
Thomas X. Geisel
Senior Executive Vice President
$415,473 $199,988 $1,182,444
Michael J. Fegan
Senior Executive Vice President
$426,540 $258,016 $952,777
Christopher J. Porzelt
Executive Vice President & Chief Risk Officer
$396,298 $199,996 $845,287

CEO Pay Ratio

23:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $4,108,525
Avg Employee Cost (SGA/emp): $181,753
Employees: 902

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
902
+1.7% YoY
Revenue / Employee
$809,728
Rev: $730,375,000
Profit / Employee
$122,707
NI: $110,682,000
SGA / Employee
$181,753
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 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 Q2'26 Current
ROE 7.8% 11.0% 13.7% 12.5% 12.6% 12.9% 13.2% 12.3% 10.2% 8.0% 6.3% 5.5% 5.3% 2.2% 2.5% 3.3% 4.3% 7.7% 8.5% 8.7% 8.74%
ROA 0.8% 1.1% 1.3% 1.2% 1.2% 1.2% 1.2% 1.1% 0.9% 0.7% 0.6% 0.5% 0.5% 0.2% 0.2% 0.3% 0.4% 0.7% 0.9% 0.9% 0.88%
ROIC -8.6% -21.9% -66.1% 68.1% 19.8% 10.6% 11.4% 9.2% 8.8% 6.6% 7.4% 7.0% 9.5% 2.7% 2.7% 4.0% 85.3% -8.5% -24.8% -9.5% -9.48%
ROCE 6.2% 9.2% 13.6% 11.6% 8.7% 7.2% 6.6% 6.1% 5.5% 4.4% 4.2% 3.9% 4.0% 2.0% 2.3% 3.4% 4.4% 6.3% 8.7% 1.3% 1.26%
Gross Margin 99.4% 95.3% 96.8% 93.4% 83.3% 76.0% 65.7% 55.2% 49.8% 47.3% 44.8% 47.7% 44.2% 33.1% 54.9% 56.1% 54.5% 58.8% 60.2% 60.4% 60.36%
Operating Margin 48.0% 47.8% 47.5% 47.6% 44.3% 39.6% 34.0% 23.1% 13.9% 15.1% 14.2% 15.2% 10.6% -13.0% 16.7% 22.4% 21.4% 24.9% 26.3% 25.7% 25.67%
Net Margin 34.8% 33.0% 34.1% 34.0% 31.9% 28.7% 24.9% 16.9% 9.0% 9.7% 10.3% 10.8% 7.8% -15.5% 12.5% 16.6% 14.7% 16.6% 18.7% 18.7% 18.67%
EBITDA Margin 52.3% 51.2% 50.8% 49.4% 46.3% 41.3% 35.3% 24.2% 15.0% 16.2% 15.3% 16.2% 11.7% -11.8% 17.5% 23.2% 22.2% 25.6% 26.9% 26.1% 26.13%
FCF Margin 51.8% 34.3% 52.0% 54.4% 52.3% 61.0% 43.0% 32.7% 28.1% 13.2% 15.3% 12.3% -5.2% 14.4% 19.9% 21.2% 33.4% 25.0% 22.1% 26.3% 26.32%
OCF Margin 51.9% 34.3% 52.4% 54.7% 52.7% 61.8% 43.5% 33.4% 28.9% 14.1% 16.2% 13.3% -4.4% 15.3% 20.7% 22.0% 34.3% 25.5% 22.7% 26.9% 26.91%
ROE 3Y Avg snapshot only 5.65%
ROE 5Y Avg snapshot only 8.37%
ROA 3Y Avg snapshot only 0.56%
ROIC Economic snapshot only 5.97%
Cash ROA snapshot only 1.35%
NOPAT Margin snapshot only 17.17%
Pretax Margin snapshot only 24.54%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 26.37%
SBC / Revenue snapshot only 1.06%
Valuation
Metric Trend 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 Q2'26 Current
P/E Ratio 15.17 11.42 7.27 6.61 6.46 6.93 4.89 4.17 5.73 9.79 8.86 10.79 16.17 40.45 35.04 25.13 21.20 11.39 11.53 13.70 13.764
P/S Ratio 3.38 2.78 2.59 2.25 2.14 2.21 1.44 1.05 1.11 1.46 1.02 1.08 1.56 1.82 1.78 1.69 1.85 1.73 1.92 2.35 2.469
P/B Ratio 0.93 1.00 1.00 0.85 0.84 0.90 0.64 0.50 0.57 0.77 0.55 0.58 0.84 0.84 0.82 0.77 0.85 0.85 0.95 1.16 1.205
P/FCF 6.52 8.12 4.98 4.13 4.10 3.63 3.36 3.20 3.96 11.05 6.65 8.78 -29.80 12.68 8.97 7.99 5.53 6.91 8.70 8.94 8.935
P/OCF 6.51 8.12 4.94 4.11 4.07 3.58 3.32 3.13 3.84 10.36 6.26 8.13 — 11.88 8.61 7.68 5.39 6.75 8.44 8.74 8.737
EV/EBITDA -8.27 -3.02 -0.99 0.21 2.56 5.99 4.16 4.63 4.80 8.08 4.04 4.21 4.90 14.85 15.14 10.13 -1.49 -9.37 -3.11 -5.89 -5.887
EV/Revenue -2.84 -1.12 -0.53 0.11 1.26 2.79 1.77 1.67 1.36 1.81 0.71 0.66 0.73 1.34 1.46 1.18 -0.22 -2.08 -0.76 -1.48 -1.485
EV/EBIT -8.90 -3.24 -1.05 0.22 2.70 6.28 4.33 4.83 5.03 8.52 4.31 4.51 5.27 16.83 16.85 11.00 -1.59 -9.70 -3.21 -6.05 -6.048
EV/FCF -5.48 -3.28 -1.01 0.19 2.41 4.56 4.11 5.11 4.85 13.69 4.67 5.37 -13.87 9.33 7.34 5.55 -0.65 -8.34 -3.45 -5.64 -5.641
Earnings Yield 6.6% 8.8% 13.8% 15.1% 15.5% 14.4% 20.4% 24.0% 17.4% 10.2% 11.3% 9.3% 6.2% 2.5% 2.9% 4.0% 4.7% 8.8% 8.7% 7.3% 7.30%
FCF Yield 15.3% 12.3% 20.1% 24.2% 24.4% 27.6% 29.8% 31.2% 25.2% 9.0% 15.0% 11.4% -3.4% 7.9% 11.1% 12.5% 18.1% 14.5% 11.5% 11.2% 11.19%
PEG Ratio snapshot only 0.082
Price/Tangible Book snapshot only 1.296
EV/OCF snapshot only -5.516
EV/Gross Profit snapshot only -2.539
Acquirers Multiple snapshot only -6.048
Shareholder Yield snapshot only 2.85%
Graham Number snapshot only $47.74
Leverage & Solvency
Metric Trend 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 Q2'26 Current
Current Ratio 0.22 0.19 0.17 0.13 0.13 0.11 0.16 0.13 0.12 0.13 0.12 0.12 0.13 0.11 0.09 0.10 0.18 0.25 0.21 11.02 11.020
Quick Ratio 0.22 0.19 0.17 0.13 0.13 0.11 0.16 0.13 0.12 0.13 0.12 0.12 0.13 0.11 0.09 0.10 0.18 0.25 0.21 11.02 11.020
Debt/Equity 0.24 0.24 0.27 0.32 0.77 1.19 1.48 1.42 1.15 1.28 0.83 0.76 0.66 0.70 0.59 0.58 0.57 0.25 0.47 0.43 0.431
Net Debt/Equity -1.71 -1.40 -1.21 -0.81 -0.34 0.23 0.14 0.30 0.13 0.18 -0.16 -0.23 -0.45 -0.22 -0.15 -0.24 -0.95 -1.88 -1.33 -1.89 -1.895
Debt/Assets 0.02 0.02 0.03 0.03 0.07 0.11 0.13 0.12 0.10 0.12 0.08 0.07 0.06 0.07 0.06 0.06 0.06 0.02 0.05 0.04 0.044
Debt/EBITDA 2.54 1.83 1.31 1.66 4.02 6.27 7.87 8.23 7.91 10.87 8.74 8.97 8.23 16.80 13.33 10.89 8.48 2.28 3.89 3.46 3.463
Net Debt/EBITDA -18.12 -10.51 -5.85 -4.21 -1.79 1.23 0.76 1.73 0.87 1.56 -1.72 -2.67 -5.63 -5.33 -3.37 -4.44 -14.16 -17.12 -10.95 -15.21 -15.211
Interest Coverage 4.80 5.48 9.79 8.89 6.61 3.57 1.96 1.14 0.69 0.47 0.34 0.29 0.27 0.15 0.18 0.24 0.32 0.57 0.65 0.70 0.705
Equity Multiplier 10.29 10.12 10.45 10.83 11.30 11.28 11.62 11.48 11.34 11.12 10.89 10.83 10.88 10.28 9.98 9.93 10.01 10.40 10.02 9.87 9.871
Cash Ratio snapshot only 10.633
Debt Service Coverage snapshot only 0.724
Cash to Debt snapshot only 5.392
FCF to Debt snapshot only 0.301
Defensive Interval snapshot only 5248.7 days
Efficiency & Turnover
Metric Trend 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 Q2'26 Current
Asset Turnover 0.03 0.05 0.04 0.03 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 0.051
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 8.56 11.38 10.01 10.08 10.49 10.76 11.90 12.76 12.97 12.39 12.68 12.59 12.61 11.58 11.60 11.79 12.00 13.10 13.08 13.45 13.447
Payables Turnover — — — — — — — — — — — — — — — — — — — — —
DSO 43 32 36 36 35 34 31 29 28 29 29 29 29 32 31 31 30 28 28 27 27.1 days
DIO — 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 —
Cash Conversion Cycle — 32 36 36 35 34 31 29 28 29 29 29 29 32 31 31 30 28 28 27 —
Fixed Asset Turnover snapshot only 24.566
Cash Velocity snapshot only 0.212
Capital Intensity snapshot only 19.984
Growth (YoY)
Metric Trend 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 Q2'26 Current
Revenue 28.0% 1.1% 1.0% 52.4% 34.9% 11.9% 17.3% 33.3% 38.7% 35.2% 26.9% 17.5% 10.5% 0.1% -3.2% -3.2% -1.8% 13.0% 15.1% 14.8% 14.81%
Net Income 66.3% 1.5% 11.6% 1.9% 1.0% 46.7% -2.7% -1.7% -18.9% -37.0% -50.8% -53.3% -45.1% -69.7% -57.0% -34.7% -11.2% 2.8% 2.8% 1.9% 1.93%
EPS 33.2% 100.0% 10.0% 2.1% 1.2% 53.7% 0.7% -2.3% -20.1% -37.4% -50.9% -53.1% -46.4% -71.2% -61.9% -41.2% -18.2% 2.6% 2.8% 1.9% 1.86%
FCF 1.5% 1.5% 6.6% 1.5% 36.1% 99.2% -2.9% -20.0% -25.5% -70.8% -55.0% -55.9% -1.2% 9.0% 25.9% 67.3% 7.3% 96.6% 28.0% 42.5% 42.51%
EBITDA 82.6% 1.6% 11.0% 1.9% 93.8% 40.0% -6.3% -5.7% -20.3% -35.0% -47.4% -48.9% -42.2% -59.6% -47.1% -28.2% -3.2% 1.8% 1.9% 1.5% 1.49%
Op. Income 87.6% 1.7% 12.3% 1.8% 97.6% 43.0% -4.2% -3.5% -19.8% -35.4% -48.7% -50.3% -43.7% -62.4% -49.3% -29.1% -2.1% 2.0% 2.2% 1.6% 1.63%
OCF Growth snapshot only 40.18%
Asset Growth snapshot only 5.63%
Equity Growth snapshot only 6.25%
Debt Growth snapshot only -20.79%
Shares Change snapshot only 2.23%
Dividend Growth snapshot only 3.04%
Growth (CAGR)
Metric Trend 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 Q2'26 Current
Revenue 3Y 12.9% 22.7% 24.4% 21.7% 21.8% 24.0% 27.5% 30.7% 33.8% 46.8% 44.7% 33.7% 27.4% 14.8% 13.0% 14.9% 14.6% 15.2% 12.2% 9.3% 9.28%
Revenue 5Y 10.9% 16.0% 16.5% 15.3% 15.2% 16.4% 18.2% 20.1% 21.9% 22.8% 23.4% 23.1% 22.6% 20.9% 20.6% 20.5% 21.1% 29.1% 27.6% 21.5% 21.55%
EPS 3Y 7.0% 22.1% 44.2% 41.3% 49.8% 57.2% 62.1% 55.2% 32.1% 24.4% 75.7% 12.4% -2.5% -34.8% -42.7% -35.4% -29.5% -13.4% -10.6% -7.6% -7.56%
EPS 5Y -4.6% 5.5% 34.9% 33.0% 31.3% 23.5% 22.4% 20.1% 16.2% 11.9% 8.2% 5.3% 7.6% -6.9% -4.5% 0.6% 0.2% 14.8% 51.2% 19.1% 19.05%
Net Income 3Y 10.6% 26.6% 49.2% 44.4% 52.5% 61.5% 67.5% 63.5% 39.5% 31.7% 82.3% 9.8% -3.6% -34.6% -41.0% -33.0% -26.6% -10.1% -7.3% -3.7% -3.70%
Net Income 5Y -2.5% 7.5% 36.5% 33.7% 31.8% 24.1% 22.9% 20.9% 17.2% 13.4% 9.7% 6.7% 9.6% -4.3% -0.1% 6.0% 5.7% 21.4% 57.9% 20.4% 20.41%
EBITDA 3Y 9.6% 30.3% 52.9% 46.9% 55.1% 62.3% 67.8% 64.7% 41.3% 33.5% 80.6% 11.2% -3.7% -28.4% -36.1% -29.8% -23.6% -9.9% -6.6% -3.0% -2.95%
EBITDA 5Y -4.9% 3.2% 28.7% 26.5% 25.4% 19.2% 18.7% 17.9% 15.2% 15.0% 12.0% 8.8% 11.4% 2.3% 5.6% 10.4% 9.5% 21.8% 55.6% 19.7% 19.72%
Gross Profit 3Y 28.1% 36.8% 42.8% 39.7% 41.6% 42.6% 42.9% 39.1% 31.8% 27.5% 20.7% 6.1% -1.9% -10.9% -12.2% -8.9% -5.9% -0.2% 1.1% 3.4% 3.39%
Gross Profit 5Y 18.0% 21.4% 23.5% 22.1% 20.7% 20.4% 20.1% 19.3% 18.9% 17.9% 17.0% 16.0% 16.9% 14.3% 15.8% 16.3% 15.7% 19.4% 18.0% 10.4% 10.37%
Op. Income 3Y 8.7% 30.5% 52.9% 47.8% 56.8% 65.4% 71.9% 68.8% 43.8% 34.9% 86.9% 10.8% -3.7% -29.7% -37.1% -30.2% -23.8% -9.6% -6.3% -2.5% -2.46%
Op. Income 5Y -6.0% 2.1% 28.1% 26.0% 25.3% 19.0% 19.0% 17.9% 15.3% 15.5% 11.9% 9.1% 11.7% 1.9% 5.7% 11.1% 10.4% 23.0% 59.9% 20.5% 20.51%
FCF 3Y 54.2% 34.6% 57.8% 57.3% 53.5% 63.4% 43.8% 43.6% 36.7% 13.0% 49.3% -4.0% — -14.1% -18.0% -16.1% -1.3% -14.5% -10.1% 1.7% 1.69%
FCF 5Y 79.7% 59.3% 62.9% 52.9% 43.0% 53.6% 48.2% 31.0% 30.0% 7.2% 11.4% 6.6% — 6.8% 11.0% 16.9% 27.0% 25.3% 39.9% 16.1% 16.08%
OCF 3Y 49.5% 31.5% 56.1% 55.6% 51.6% 62.7% 42.7% 42.8% 36.6% 14.9% 52.4% -1.6% — -12.2% -17.1% -15.1% -0.7% -14.2% -9.6% 1.7% 1.66%
OCF 5Y 70.4% 48.8% 50.8% 43.1% 36.6% 46.8% 42.7% 28.5% 28.4% 7.2% 11.9% 7.4% — 7.7% 11.2% 16.9% 26.8% 25.5% 40.8% 16.5% 16.53%
Assets 3Y 25.2% 24.1% 23.1% 23.9% 26.1% 27.6% 29.7% 28.7% 27.3% 26.2% 1.2% 2.2% 3.6% 6.0% 5.3% 4.8% 4.1% 5.2% 2.7% 2.8% 2.83%
Assets 5Y 16.3% 15.0% 14.7% 14.6% 14.9% 15.5% 17.0% 17.2% 16.7% 16.6% 15.8% 15.8% 16.4% 17.7% 17.3% 17.0% 17.0% 17.7% 2.9% 3.4% 3.39%
Equity 3Y 25.8% 25.6% 24.0% 23.3% 23.3% 25.1% 22.7% 20.8% 20.2% 20.5% 1.9% 1.3% 1.7% 5.4% 6.9% 7.9% 8.4% 8.1% 7.9% 8.1% 8.13%
Book Value 3Y 21.7% 21.2% 19.8% 20.6% 21.1% 21.8% 18.7% 14.7% 13.8% 13.7% -1.9% 3.7% 2.9% 5.1% 3.8% 4.0% 4.1% 4.2% 4.0% 3.8% 3.79%
Dividend 3Y 19.3% 21.3% 11.4% 5.7% 0.8% -4.5% -5.0% -6.3% -5.6% -5.2% -2.7% 3.2% 1.7% 0.2% -1.8% -1.6% -1.2% -0.2% -1.1% -2.3% -2.34%
Growth Quality
Metric Trend 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 Q2'26 Current
Revenue Stability 0.85 0.44 0.48 0.70 0.77 0.64 0.68 0.78 0.83 0.81 0.84 0.91 0.94 0.96 0.95 0.93 0.92 0.93 0.91 0.89 0.892
Earnings Stability 0.01 0.06 0.25 0.44 0.61 0.60 0.46 0.62 0.68 0.56 0.31 0.31 0.28 0.04 0.02 0.01 0.00 0.01 0.01 0.00 0.000
Margin Stability 0.77 0.81 0.78 0.77 0.77 0.82 0.80 0.78 0.77 0.79 0.75 0.72 0.67 0.68 0.66 0.68 0.72 0.70 0.72 0.69 0.692
Rev. Growth Consistency 1.00 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 0.00 0.00 0.00 1.00 0.50 0.50 0.500
Earn. Growth Consistency 1.00 1.00 0.50 1.00 1.00 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.500
FCF Positive Streak 1 1 1 1 1 1 1 1 1 1 1 1 0 1 1 1 0 1 1 1 1
Earnings Persistence 0.50 0.50 0.50 0.50 0.50 0.81 0.99 0.99 0.92 0.85 0.50 0.50 0.82 0.50 0.50 0.86 0.96 0.50 0.50 0.50 0.500
Earnings Smoothness 0.50 0.15 0.00 0.03 0.33 0.62 0.97 0.98 0.79 0.55 0.32 0.27 0.42 0.00 0.20 0.58 0.88 0.00 0.00 0.02 0.019
ROE Trend -0.00 0.03 0.11 0.08 0.07 0.06 0.06 0.03 0.00 -0.03 -0.07 -0.07 -0.06 -0.08 -0.07 -0.06 -0.04 0.03 0.04 0.04 0.042
Gross Margin Trend 0.40 0.22 0.27 0.20 0.09 -0.01 -0.13 -0.26 -0.35 -0.35 -0.39 -0.35 -0.30 -0.27 -0.18 -0.10 -0.03 0.08 0.10 0.11 0.108
FCF Margin Trend 0.26 0.07 0.30 0.26 0.13 0.29 0.10 -0.11 -0.24 -0.34 -0.32 -0.31 -0.45 -0.23 -0.09 -0.01 0.22 0.11 0.05 0.10 0.096
Sustainable Growth Rate 3.4% 6.1% 9.7% 8.6% 8.8% 9.2% 9.5% 8.6% 6.4% 4.3% 2.6% 1.8% 1.7% -1.2% -1.0% -0.3% 0.7% 4.2% 5.1% 5.3% 5.33%
Internal Growth Rate 0.3% 0.6% 0.9% 0.8% 0.8% 0.9% 0.9% 0.8% 0.6% 0.4% 0.2% 0.2% 0.2% — — — 0.1% 0.4% 0.5% 0.5% 0.54%
Cash Flow Quality
Metric Trend 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 Q2'26 Current
OCF/Net Income 2.33 1.41 1.47 1.61 1.59 1.93 1.47 1.33 1.49 0.95 1.41 1.33 -0.46 3.41 4.07 3.27 3.93 1.69 1.37 1.57 1.568
FCF/OCF 1.00 1.00 0.99 1.00 0.99 0.99 0.99 0.98 0.97 0.94 0.94 0.93 1.19 0.94 0.96 0.96 0.98 0.98 0.97 0.98 0.978
FCF/Net Income snapshot only 1.533
OCF/EBITDA snapshot only 1.067
CapEx/Revenue 0.1% 0.0% 0.4% 0.3% 0.4% 0.8% 0.5% 0.8% 0.9% 0.9% 0.9% 1.0% 0.8% 1.0% 0.8% 0.8% 0.8% 0.6% 0.7% 0.6% 0.60%
CapEx/Depreciation snapshot only 0.886
Accruals Ratio -0.01 -0.00 -0.01 -0.01 -0.01 -0.01 -0.01 -0.00 -0.00 0.00 -0.00 -0.00 0.01 -0.00 -0.01 -0.01 -0.01 -0.01 -0.00 -0.01 -0.005
Sloan Accruals snapshot only 0.975
Cash Flow Adequacy snapshot only 3.687
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend 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 Q2'26 Current
Dividend Yield 3.7% 3.9% 4.0% 4.7% 4.7% 4.2% 5.8% 7.3% 6.5% 4.7% 6.6% 6.2% 4.2% 3.9% 4.0% 4.3% 4.0% 4.0% 3.5% 2.9% 2.35%
Dividend/Share $1.01 $1.15 $1.16 $1.18 $1.17 $1.14 $1.13 $1.13 $1.15 $1.15 $1.16 $1.16 $1.14 $1.11 $1.07 $1.11 $1.14 $1.17 $1.17 $1.14 $1.00
Payout Ratio 56.4% 44.8% 29.0% 31.1% 30.3% 28.9% 28.1% 30.4% 37.0% 46.4% 58.8% 66.7% 68.5% 1.6% 1.4% 1.1% 83.9% 45.4% 40.6% 39.0% 39.05%
FCF Payout Ratio 24.2% 31.9% 19.9% 19.4% 19.2% 15.1% 19.3% 23.4% 25.6% 52.4% 44.2% 54.3% — 48.8% 36.3% 34.5% 21.9% 27.5% 30.6% 25.5% 25.47%
Total Payout Ratio 1.0% 1.0% 77.0% 89.5% 81.6% 59.5% 47.5% 35.6% 38.0% 47.4% 59.1% 66.7% 68.5% 1.6% 1.4% 1.1% 83.9% 45.4% 40.6% 39.0% 39.05%
Div. Increase Streak 1 1 1 1 1 0 0 0 0 0 0 0 0 1 1 1 1 1 1 1 1
Chowder Number 0.91 1.02 0.57 0.31 0.13 -0.01 0.00 0.04 0.05 0.06 0.10 0.09 0.06 0.05 0.07 0.10 0.13 0.15 0.12 0.08 0.082
Buyback Yield 2.9% 5.0% 6.6% 8.8% 7.9% 4.4% 4.0% 1.2% 0.2% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.00%
Net Buyback Yield 2.9% 4.9% 6.5% 8.8% 7.9% 4.4% 4.0% 1.2% 0.2% 0.1% -0.0% -0.1% -0.1% -0.0% -0.0% -0.0% -0.0% -0.0% -0.0% -0.0% -0.02%
Total Shareholder Return 6.6% 8.9% 10.5% 13.5% 12.6% 8.6% 9.7% 8.5% 6.6% 4.8% 6.6% 6.1% 4.2% 3.8% 4.0% 4.3% 3.9% 3.9% 3.5% 2.8% 2.83%
DuPont Factors
Metric Trend 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 Q2'26 Current
Tax Burden (NI/EBT) 0.70 0.70 0.71 0.71 0.71 0.72 0.72 0.73 0.72 0.70 0.69 0.68 0.70 0.57 0.59 0.63 0.64 0.71 0.70 0.70 0.699
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 0.32 0.35 0.50 0.48 0.47 0.44 0.41 0.35 0.27 0.21 0.17 0.15 0.14 0.08 0.09 0.11 0.14 0.21 0.24 0.25 0.245
Asset Turnover 0.03 0.05 0.04 0.03 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 0.051
Equity Multiplier 10.02 9.95 10.78 10.68 10.78 10.69 11.05 11.16 11.32 11.20 11.25 11.15 11.10 10.67 10.41 10.35 10.41 10.34 10.00 9.90 9.899
Per Share
Metric Trend 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 Q2'26 Current
EPS (Diluted TTM) $1.79 $2.57 $4.00 $3.80 $3.87 $3.95 $4.03 $3.71 $3.10 $2.48 $1.98 $1.74 $1.66 $0.71 $0.75 $1.02 $1.36 $2.57 $2.88 $2.93 $2.93
Book Value/Share $29.23 $29.52 $28.96 $29.52 $29.89 $30.32 $30.89 $30.91 $31.11 $31.59 $32.02 $32.28 $31.86 $34.26 $32.36 $33.26 $33.73 $34.28 $34.77 $34.56 $35.30
Tangible Book/Share $25.23 $25.45 $24.86 $25.30 $25.63 $26.11 $26.69 $26.76 $26.94 $27.44 $27.87 $28.15 $27.83 $30.34 $28.71 $29.56 $30.04 $30.59 $31.09 $30.96 $30.96
Revenue/Share $8.03 $10.56 $11.24 $11.17 $11.66 $12.38 $13.64 $14.79 $15.94 $16.63 $17.24 $17.45 $17.20 $15.85 $14.81 $15.20 $15.56 $16.96 $17.27 $17.07 $17.64
FCF/Share $4.16 $3.62 $5.84 $6.08 $6.10 $7.56 $5.87 $4.83 $4.48 $2.19 $2.63 $2.14 $-0.90 $2.28 $2.94 $3.22 $5.20 $4.24 $3.81 $4.49 $4.58
OCF/Share $4.17 $3.62 $5.89 $6.11 $6.14 $7.65 $5.94 $4.94 $4.61 $2.34 $2.80 $2.31 $-0.76 $2.43 $3.06 $3.35 $5.33 $4.33 $3.93 $4.59 $4.69
Cash/Share $56.90 $48.45 $42.87 $33.37 $33.43 $29.03 $41.23 $34.63 $31.74 $34.61 $31.78 $31.84 $35.31 $31.65 $23.80 $27.08 $51.39 $73.21 $62.80 $80.39 $87.71
EBITDA/Share $2.75 $3.93 $5.98 $5.69 $5.75 $5.76 $5.80 $5.33 $4.51 $3.72 $3.04 $2.73 $2.55 $1.43 $1.43 $1.77 $2.27 $3.77 $4.23 $4.31 $4.31
Debt/Share $7.00 $7.18 $7.86 $9.43 $23.13 $36.11 $45.64 $43.85 $35.68 $40.41 $26.56 $24.53 $20.96 $24.02 $18.99 $19.24 $19.25 $8.61 $16.46 $14.91 $14.91
Net Debt/Share $-49.90 $-41.27 $-35.01 $-23.94 $-10.30 $7.08 $4.41 $9.21 $3.95 $5.79 $-5.22 $-7.30 $-14.34 $-7.63 $-4.81 $-7.84 $-32.14 $-64.60 $-46.34 $-65.48 $-65.48
Academic Models
Metric Trend 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 Q2'26 Current
Altman-B Score — — — — — — — — — — — — — — — — — — — — 3.066
Altman Z-Prime snapshot only 1.872
Piotroski F-Score 7 7 7 6 6 6 5 5 4 4 5 6 4 4 5 5 6 8 9 8 8
Beneish M-Score -2.16 7.10 -2.80 -2.66 -2.34 -2.05 -1.82 -1.72 -1.82 -2.04 -2.15 -2.35 -2.39 -2.27 -2.59 -2.56 -2.59 -2.60 -2.59 -1.52 -1.521
Ohlson O-Score snapshot only -6.052
ROIC (Greenblatt) snapshot only 5.48%
Net-Net WC snapshot only $-223.29
Credit
Metric Trend 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 Q2'26 Current
Credit Rating snapshot only AA-
Credit Score 65.89 75.81 80.69 75.03 55.83 55.13 52.16 53.11 49.17 44.35 43.99 41.63 38.08 35.34 38.56 43.37 40.77 65.15 55.77 82.41 82.412
Credit Grade snapshot only 4
Credit Trend snapshot only 39.040
Implied Spread (bps) snapshot only 100.000
Industry Credit Rank snapshot only 87
Sector Credit Rank snapshot only 76

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