$39.12

-0.36 (-0.91%)

Weekly Expected Move ±4.3%

$34 $36 $37 $39 $40

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 62 · $211.7M mcap · 4M float · 0.356% daily turnover · Short 36% of daily vol

Edge Score

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

WEAK EDGE

43.3 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 12.4% · 5Y Avg: -23.0%

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. EFSI shows a Weak competitive edge (43.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 12.4% suggests modest returns relative to capital deployed.

Analyst Insights

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

Analyst Price Targets

Low

$43

Avg Target

$43

High

Based on 2 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$43.00

Analysts2

Consensus Change History

Date	Field	From	To
2026-05-17	consensus	Hold	Buy
2026-04-30	consensus	Buy	Hold

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-02-09	Capital One Financial	—	Initiated	$43	—	+9.8%	$39.15
2026-02-09	Loop Capital Markets	Mikhail Paramonov	Initiated	$43	—	+10.2%	$39.01
2025-03-04	D.A. Davidson	—	Initiated	$40	—	+23.5%	$32.40

Financial Rating

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

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

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

Rating Change History

Date	From	To
2026-05-11	A-	B+
2026-04-27	B-	A-
2026-04-24	B	B-
2026-04-21	B+	B
2026-04-16	B	B+
2026-04-14	B+	B
2026-04-01	B-	B+
2026-03-16	C+	B-
2026-03-12	B-	C+
2026-03-04	C+	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.

★ ★ ★ ★ ★ 61 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. EFSI scores highest in Earnings Quality (99/100) and lowest in Profitability (43/100). An overall grade of A places EFSI among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman-B Score

2.27

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-2.29

Unlikely Manipulator

Ohlson O-Score

-2.91

Bankruptcy prob: 5.1%

Low Risk

Credit Rating

A-

Score: 68.0/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.39x

Accruals: -0.4%

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. EFSI scores 2.27, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. EFSI 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. EFSI's score of -2.29 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. EFSI's implied 5.1% 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. EFSI receives an estimated rating of A- (score: 68.0/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). EFSI'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

11.20x

PEG

0.16x

P/S

1.86x

P/B

1.11x

P/FCF

7.50x

P/OCF

7.19x

EV/EBITDA

6.39x

EV/Revenue

1.07x

EV/EBIT

6.52x

EV/FCF

4.82x

Earnings Yield

9.98%

FCF Yield

13.33%

Shareholder Yield

3.72%

Graham Number

$52.32

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 11.2x earnings, EFSI trades at a reasonable valuation. An earnings yield of 10.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $52.32 per share, suggesting a potential 34% 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

0.801

NI / EBT

Interest Burden

1.264

EBT / EBIT

EBIT Margin

0.164

EBIT / Rev

Asset Turnover

0.061

Rev / Assets

Equity Multiplier

12.198

Assets / Equity

ROE

12.3%

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. EFSI's ROE of 12.3% is driven by financial leverage (equity multiplier: 12.20x). 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

174.30%

Fair P/E

357.09x

Intrinsic Value

$1246.99

Price/Value

0.03x

Margin of Safety

97.19%

Premium

-97.19%

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 EFSI's realized 174.3% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $1246.99, EFSI appears undervalued with a 97% margin of safety. The adjusted fair P/E of 357.1x compares to the current market P/E of 11.2x.

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

$39.12

Median 1Y

$41.03

5th Pctile

$29.78

95th Pctile

$56.48

Ann. Volatility

19.7%

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

Executive Compensation

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

C-Suite Compensation

Executive	Salary	Stock	Total
Brandon C Lorey President and Chief Executive Officer	$575,000	$222,768	$1,118,007
Joseph T. Zmitrovich President and Chief Banking Officer, Bank of Clarke	$419,400	$141,196	$763,386
Kathleen J. Chappell Executive Vice President and Chief Financial Officer	$349,821	$117,863	$644,559

CEO Pay Ratio

10:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,118,007

Avg Employee Cost (SGA/emp): $107,693

Employees: 254

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

254

+10.0% YoY

Revenue / Employee

$411,579

Rev: $104,541,000

Profit / Employee

$32,339

NI: $8,214,000

SGA / Employee

$107,693

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	11.7%	11.2%	10.2%	10.6%	11.5%	12.6%	13.7%	13.1%	11.2%	9.6%	8.9%	8.9%	9.9%	11.0%	13.5%	5.1%	7.0%	8.9%	5.3%	12.3%	12.30%
ROA	1.2%	1.1%	0.9%	0.9%	1.0%	1.1%	1.0%	0.9%	0.8%	0.7%	0.5%	0.5%	0.6%	0.7%	0.8%	0.3%	0.4%	0.5%	0.4%	1.0%	1.01%
ROIC	-8.7%	-8.3%	-7.6%	-7.8%	-8.5%	-9.3%	11.8%	11.3%	9.7%	8.3%	17.6%	17.5%	19.6%	21.7%	16.7%	6.3%	8.6%	11.0%	6.8%	12.4%	12.36%
ROCE	12.0%	11.4%	10.2%	10.5%	11.5%	12.8%	5.5%	5.3%	4.5%	3.8%	3.6%	3.5%	4.0%	4.4%	7.1%	2.6%	3.6%	4.7%	3.5%	6.6%	6.65%
Gross Margin	94.3%	94.9%	95.3%	93.7%	93.3%	91.4%	79.7%	69.7%	64.3%	63.2%	60.0%	59.9%	62.0%	56.8%	61.0%	21.1%	66.6%	67.9%	69.9%	66.7%	66.75%
Operating Margin	28.6%	25.9%	15.7%	27.1%	30.1%	29.2%	20.4%	14.4%	10.5%	10.8%	9.1%	12.2%	14.7%	14.3%	29.2%	-62.6%	22.4%	22.5%	18.3%	-1.1%	-1.13%
Net Margin	23.7%	21.5%	15.8%	22.5%	24.6%	23.8%	16.9%	11.9%	8.8%	9.0%	9.5%	10.2%	12.4%	12.3%	22.3%	-48.3%	18.0%	18.2%	14.4%	15.7%	15.70%
EBITDA Margin	30.6%	27.7%	17.4%	28.8%	31.6%	30.6%	21.7%	15.5%	11.5%	11.7%	10.1%	13.2%	15.7%	15.2%	30.0%	-61.2%	23.0%	23.1%	18.3%	-1.1%	-1.13%
FCF Margin	24.8%	25.2%	26.0%	18.2%	19.1%	14.6%	20.2%	18.7%	10.1%	22.9%	6.0%	12.3%	12.7%	5.5%	16.7%	17.1%	21.0%	21.0%	25.3%	22.2%	22.19%
OCF Margin	26.0%	26.5%	27.0%	19.1%	20.0%	15.3%	21.4%	19.4%	11.2%	24.6%	7.2%	13.5%	13.8%	6.2%	17.7%	18.6%	22.3%	22.4%	26.6%	23.1%	23.14%
ROE 3Y Avg	snapshot only																				7.84%
ROE 5Y Avg	snapshot only																				9.50%
ROA 3Y Avg	snapshot only																				0.61%
ROIC Economic	snapshot only																				5.85%
Cash ROA	snapshot only																				1.40%
Cash ROIC	snapshot only																				21.76%
CROIC	snapshot only																				20.87%
NOPAT Margin	snapshot only																				13.15%
Pretax Margin	snapshot only																				20.74%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				29.74%
SBC / Revenue	snapshot only																				0.52%

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	8.46	9.00	9.39	9.41	8.74	8.38	7.72	7.78	8.20	10.17	10.46	10.67	10.63	9.51	8.13	25.04	20.46	20.01	26.01	10.02	11.203
P/S Ratio	2.04	2.02	1.96	1.95	1.85	1.83	1.68	1.46	1.21	1.15	1.02	1.00	1.09	1.06	1.17	1.52	1.63	1.97	2.04	1.66	1.859
P/B Ratio	0.95	0.96	0.94	0.97	0.98	1.03	1.10	1.06	0.96	1.02	0.90	0.92	1.02	1.01	1.05	1.23	1.36	1.69	1.13	1.00	1.114
P/FCF	8.21	8.02	7.55	10.72	9.69	12.51	8.32	7.80	11.96	5.01	16.87	8.11	8.59	19.13	7.03	8.92	7.74	9.39	8.08	7.50	7.501
P/OCF	7.83	7.61	7.27	10.21	9.26	11.96	7.84	7.52	10.72	4.68	14.24	7.41	7.93	17.08	6.64	8.19	7.29	8.80	7.67	7.19	7.194
EV/EBITDA	-9.12	-9.42	-11.08	-10.44	-9.53	-8.33	7.15	7.23	7.73	9.44	3.68	3.84	4.34	3.89	4.90	15.30	12.85	13.05	13.89	6.39	6.390
EV/Revenue	-2.88	-2.78	-2.90	-2.71	-2.53	-2.28	2.00	1.74	1.47	1.39	0.45	0.45	0.55	0.53	0.92	1.24	1.35	1.70	1.40	1.07	1.070
EV/EBIT	-10.04	-10.42	-11.94	-11.22	-10.17	-8.84	7.55	7.65	8.25	10.21	4.03	4.20	4.71	4.19	5.16	17.39	14.02	13.90	14.71	6.52	6.521
EV/FCF	-11.62	-11.04	-11.15	-14.86	-13.22	-15.58	9.91	9.34	14.57	6.05	7.38	3.62	4.33	9.54	5.49	7.25	6.44	8.12	5.52	4.82	4.823
Earnings Yield	11.8%	11.1%	10.7%	10.6%	11.4%	11.9%	13.0%	12.9%	12.2%	9.8%	9.6%	9.4%	9.4%	10.5%	12.3%	4.0%	4.9%	5.0%	3.8%	10.0%	9.98%
FCF Yield	12.2%	12.5%	13.2%	9.3%	10.3%	8.0%	12.0%	12.8%	8.4%	19.9%	5.9%	12.3%	11.6%	5.2%	14.2%	11.2%	12.9%	10.6%	12.4%	13.3%	13.33%
PEG Ratio	snapshot only																				0.160
Price/Tangible Book	snapshot only																				1.004
EV/OCF	snapshot only																				4.626
EV/Gross Profit	snapshot only																				1.577
Acquirers Multiple	snapshot only																				6.521
Shareholder Yield	snapshot only																				3.72%
Graham Number	snapshot only																				$52.32

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	0.24	0.24	0.22	0.22	0.22	0.22	0.17	0.17	0.17	0.17	0.16	0.16	0.16	0.16	0.11	0.11	0.11	0.11	0.09	0.09	0.085
Quick Ratio	0.24	0.24	0.22	0.22	0.22	0.22	0.17	0.17	0.17	0.17	0.16	0.16	0.16	0.16	0.11	0.11	0.11	0.11	0.09	0.09	0.085
Debt/Equity	0.04	0.04	0.00	0.00	0.00	0.00	2.33	2.33	2.33	2.33	1.79	1.79	1.79	1.79	1.26	1.26	1.26	1.26	0.37	0.37	0.368
Net Debt/Equity	-2.29	-2.29	-2.32	-2.32	-2.32	-2.32	0.21	0.21	0.21	0.21	-0.51	-0.51	-0.51	-0.51	-0.23	-0.23	-0.23	-0.23	-0.36	-0.36	-0.358
Debt/Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.15	0.15	0.15	0.15	0.11	0.11	0.11	0.11	0.08	0.08	0.08	0.08	0.04	0.04	0.037
Debt/EBITDA	0.27	0.28	0.00	0.00	0.00	0.00	12.73	13.30	15.40	17.99	16.71	16.82	15.08	13.81	7.52	19.30	14.29	11.20	6.62	3.65	3.647
Net Debt/EBITDA	-15.56	-16.27	-18.59	-17.97	-16.51	-15.02	1.14	1.19	1.38	1.61	-4.73	-4.76	-4.27	-3.91	-1.37	-3.51	-2.60	-2.04	-6.44	-3.55	-3.548
Interest Coverage	6.39	7.05	7.62	8.50	7.84	5.47	3.23	1.53	0.79	0.47	0.32	0.29	0.31	0.33	0.47	0.17	0.24	0.33	0.27	0.55	0.547
Equity Multiplier	10.76	10.76	11.82	11.82	11.82	11.82	15.89	15.89	15.89	15.89	16.84	16.84	16.84	16.84	15.68	15.68	15.68	15.68	10.00	10.00	10.001
Cash Ratio	snapshot only																				0.085
Debt Service Coverage	snapshot only																				0.559
Cash to Debt	snapshot only																				1.973
FCF to Debt	snapshot only																				0.363
Defensive Interval	snapshot only																				854.9 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	0.04	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.05	0.06	0.06	0.06	0.061
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	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	0	0	0	0	0	0	0	0	0	0	—
Fixed Asset Turnover	snapshot only																				7.642
Cash Velocity	snapshot only																				0.830
Capital Intensity	snapshot only																				16.579

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	12.0%	11.1%	13.0%	14.2%	19.5%	24.1%	26.7%	34.7%	38.8%	44.3%	44.1%	34.2%	25.2%	15.4%	10.4%	-3.6%	-2.2%	-1.4%	-1.5%	19.0%	18.97%
Net Income	14.1%	-2.2%	-1.4%	-1.6%	5.3%	21.0%	31.8%	21.4%	-3.8%	-25.3%	-35.6%	-32.7%	-12.4%	13.7%	64.0%	-37.5%	-24.3%	-12.9%	-46.5%	2.3%	2.25%
EPS	13.3%	-3.2%	-2.5%	-2.9%	3.9%	19.7%	30.3%	19.7%	-5.1%	-26.2%	-36.1%	-33.4%	-13.1%	12.9%	62.4%	-51.4%	-50.0%	-42.4%	-64.6%	1.7%	1.74%
FCF	21.8%	26.2%	29.9%	-18.7%	-7.8%	-27.7%	-1.8%	38.0%	-26.9%	1.3%	-56.9%	-11.3%	58.1%	-72.1%	2.1%	33.4%	61.6%	2.7%	49.1%	54.6%	54.64%
EBITDA	15.5%	-0.6%	-6.5%	-6.6%	0.4%	15.3%	35.3%	25.2%	-0.6%	-22.6%	-37.6%	-35.2%	-16.3%	6.7%	70.9%	-33.0%	-18.8%	-5.2%	-47.1%	1.5%	1.46%
Op. Income	13.5%	-3.4%	-3.9%	-4.1%	3.5%	20.2%	38.2%	27.2%	-0.6%	-24.1%	-39.8%	-37.4%	-17.7%	7.2%	77.8%	-35.4%	-19.3%	-4.2%	-47.5%	1.7%	1.74%
OCF Growth	snapshot only																				48.00%
Asset Growth	snapshot only																				1.20%
Equity Growth	snapshot only																				58.71%
Debt Growth	snapshot only																				-53.46%
Shares Change	snapshot only																				18.55%
Dividend Growth	snapshot only																				53.80%

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	10.3%	11.4%	12.5%	13.4%	14.7%	15.3%	17.2%	20.7%	22.9%	25.7%	27.3%	27.3%	27.6%	27.4%	26.3%	20.3%	19.3%	18.0%	16.1%	15.5%	15.46%
Revenue 5Y	9.7%	10.0%	11.0%	11.8%	13.0%	13.6%	14.3%	15.7%	17.4%	19.9%	21.0%	21.4%	21.3%	20.6%	20.7%	17.9%	17.8%	17.7%	17.5%	18.8%	18.81%
EPS 3Y	10.6%	9.5%	7.2%	7.9%	12.2%	14.2%	13.6%	12.1%	3.7%	-5.1%	-6.7%	-8.2%	-5.0%	-0.1%	10.6%	-27.1%	-25.6%	-21.7%	-28.4%	-3.9%	-3.89%
EPS 5Y	9.3%	14.2%	11.8%	10.7%	11.1%	11.4%	13.1%	10.5%	5.9%	3.0%	0.5%	0.1%	3.1%	4.4%	8.7%	-14.5%	-13.5%	-11.1%	-14.1%	0.6%	0.64%
Net Income 3Y	10.3%	9.2%	7.0%	8.1%	12.8%	14.7%	14.2%	12.9%	4.9%	-4.0%	-5.7%	-7.0%	-3.9%	0.9%	11.7%	-20.1%	-13.9%	-9.6%	-17.3%	11.0%	10.96%
Net Income 5Y	8.6%	13.7%	11.6%	10.6%	11.2%	11.5%	13.3%	10.8%	6.3%	3.3%	0.8%	0.6%	3.9%	5.1%	9.5%	-9.6%	-5.2%	-2.6%	-6.0%	10.3%	10.30%
EBITDA 3Y	6.3%	8.1%	6.9%	8.1%	13.2%	13.5%	14.2%	12.8%	4.8%	-3.9%	-7.6%	-8.8%	-5.9%	-1.6%	13.0%	-18.4%	-12.3%	-7.8%	-17.4%	2.2%	2.25%
EBITDA 5Y	5.6%	10.1%	6.5%	5.7%	6.3%	6.8%	8.2%	7.0%	3.7%	2.4%	0.6%	0.5%	3.8%	3.8%	9.7%	-9.0%	-4.8%	-2.1%	-6.5%	4.6%	4.57%
Gross Profit 3Y	9.3%	11.1%	13.6%	15.4%	17.4%	17.8%	17.5%	17.8%	16.4%	14.9%	13.8%	12.4%	11.4%	10.0%	8.7%	-0.2%	0.1%	1.3%	2.7%	8.2%	8.20%
Gross Profit 5Y	8.3%	8.9%	10.3%	10.7%	11.6%	12.1%	12.0%	12.3%	12.1%	12.7%	12.8%	12.7%	12.8%	11.7%	11.7%	6.7%	7.4%	8.3%	9.0%	12.3%	12.29%
Op. Income 3Y	6.1%	7.7%	7.4%	8.6%	14.0%	14.6%	15.2%	13.8%	5.3%	-4.1%	-7.2%	-8.6%	-5.4%	-0.7%	13.9%	-19.9%	-12.9%	-8.0%	-17.5%	3.5%	3.48%
Op. Income 5Y	5.6%	10.8%	7.5%	6.6%	7.2%	7.7%	9.1%	7.8%	4.2%	2.6%	0.6%	0.4%	3.9%	4.2%	10.3%	-9.8%	-5.0%	-2.0%	-5.7%	6.2%	6.21%
FCF 3Y	16.4%	18.9%	—	6.5%	6.2%	-5.8%	10.3%	10.4%	-6.4%	27.2%	-18.1%	-0.2%	2.1%	-23.1%	9.0%	17.7%	23.2%	33.0%	25.3%	22.3%	22.29%
FCF 5Y	5.5%	10.0%	7.7%	—	—	—	8.4%	12.6%	1.2%	22.4%	—	8.1%	6.7%	-12.0%	12.1%	9.8%	16.0%	16.5%	20.2%	15.4%	15.45%
OCF 3Y	15.9%	17.5%	—	5.0%	5.0%	-7.0%	8.0%	8.5%	-5.7%	27.8%	-14.5%	1.1%	3.2%	-21.5%	9.7%	19.2%	23.8%	33.9%	24.9%	22.5%	22.50%
OCF 5Y	4.8%	9.9%	8.0%	—	—	—	8.8%	12.0%	2.2%	21.9%	—	8.1%	6.7%	-11.5%	10.6%	9.7%	15.3%	16.7%	20.4%	15.2%	15.20%
Assets 3Y	13.9%	13.9%	17.7%	17.7%	17.7%	17.7%	22.6%	22.6%	22.6%	22.6%	17.3%	17.3%	17.3%	17.3%	12.7%	12.7%	12.7%	12.7%	5.3%	5.3%	5.32%
Assets 5Y	11.6%	11.6%	13.2%	13.2%	13.2%	13.2%	16.1%	16.1%	16.1%	16.1%	18.0%	18.0%	18.0%	18.0%	16.3%	16.3%	16.3%	16.3%	10.8%	10.8%	10.82%
Equity 3Y	7.8%	7.8%	8.0%	8.0%	8.0%	8.0%	1.8%	1.8%	1.8%	1.8%	1.0%	1.0%	1.0%	1.0%	2.6%	2.6%	2.6%	2.6%	22.9%	22.9%	22.90%
Book Value 3Y	8.2%	8.1%	8.2%	7.8%	7.4%	7.4%	1.3%	1.2%	0.7%	0.7%	-0.0%	-0.2%	-0.1%	0.0%	1.6%	-6.4%	-11.3%	-11.2%	6.5%	6.5%	6.45%
Dividend 3Y	-2.2%	-0.5%	0.8%	2.3%	5.3%	3.7%	4.7%	4.8%	3.0%	4.2%	2.5%	0.8%	0.2%	-0.7%	-0.4%	-8.0%	-9.0%	-5.4%	-2.6%	-0.0%	-0.02%

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	0.97	0.98	0.97	0.97	0.95	0.93	0.91	0.85	0.83	0.82	0.83	0.87	0.89	0.90	0.91	0.91	0.92	0.92	0.91	0.94	0.942
Earnings Stability	0.86	0.92	0.95	0.95	0.96	0.92	0.89	0.93	0.85	0.38	0.18	0.16	0.31	0.15	0.31	0.21	0.29	0.16	0.02	0.03	0.035
Margin Stability	0.95	0.96	0.96	0.95	0.95	0.95	0.95	0.94	0.91	0.88	0.86	0.85	0.83	0.81	0.80	0.77	0.78	0.78	0.79	0.79	0.793
Rev. Growth Consistency	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	0.00	0.00	0.00	0.00	0.50	0.500
Earn. Growth Consistency	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.00	0.00	0.00	0.00	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.94	0.99	0.99	0.99	0.98	0.92	0.87	0.91	0.98	0.90	0.86	0.87	0.95	0.95	0.50	0.85	0.90	0.95	0.81	0.50	0.500
Earnings Smoothness	0.87	0.98	0.99	0.98	0.95	0.81	0.73	0.81	0.96	0.71	0.57	0.61	0.87	0.87	0.52	0.54	0.72	0.86	0.39	0.00	0.000
ROE Trend	0.01	-0.00	-0.00	-0.00	0.00	0.01	0.04	0.03	0.00	-0.02	-0.04	-0.03	-0.02	-0.01	0.01	-0.06	-0.04	-0.02	-0.06	0.03	0.033
Gross Margin Trend	0.04	0.04	0.05	0.05	0.04	0.02	-0.03	-0.10	-0.18	-0.24	-0.27	-0.27	-0.23	-0.21	-0.17	-0.18	-0.13	-0.05	-0.00	0.10	0.099
FCF Margin Trend	0.01	0.01	0.03	-0.07	-0.05	-0.09	-0.04	-0.03	-0.12	0.03	-0.17	-0.06	-0.02	-0.13	0.04	0.02	0.10	0.07	0.14	0.07	0.075
Sustainable Growth Rate	8.7%	8.0%	7.2%	7.4%	8.2%	9.3%	10.1%	9.3%	7.4%	5.6%	4.9%	4.8%	5.9%	6.9%	9.7%	1.3%	2.6%	4.0%	1.4%	8.0%	7.96%
Internal Growth Rate	0.9%	0.8%	0.6%	0.7%	0.7%	0.8%	0.7%	0.7%	0.5%	0.4%	0.3%	0.3%	0.4%	0.4%	0.6%	0.1%	0.2%	0.2%	0.1%	0.7%	0.66%

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	1.08	1.18	1.29	0.92	0.94	0.70	0.98	1.03	0.76	2.17	0.73	1.44	1.34	0.56	1.22	3.06	2.81	2.27	3.39	1.39	1.392
FCF/OCF	0.95	0.95	0.96	0.95	0.96	0.96	0.94	0.96	0.90	0.93	0.84	0.91	0.92	0.89	0.95	0.92	0.94	0.94	0.95	0.96	0.959
FCF/Net Income	snapshot only																				1.335
OCF/EBITDA	snapshot only																				1.381
CapEx/Revenue	1.2%	1.3%	1.0%	0.9%	0.9%	0.7%	1.3%	0.7%	1.2%	1.6%	1.1%	1.2%	1.1%	0.7%	1.0%	1.5%	1.3%	1.4%	1.3%	0.9%	0.95%
CapEx/Depreciation	snapshot only																				2.807
Accruals Ratio	-0.00	-0.00	-0.00	0.00	0.00	0.00	0.00	-0.00	0.00	-0.01	0.00	-0.00	-0.00	0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.004
Sloan Accruals	snapshot only																				-0.025
Cash Flow Adequacy	snapshot only																				3.398
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	3.1%	3.2%	3.2%	3.2%	3.3%	3.2%	3.4%	3.7%	4.2%	4.1%	4.3%	4.3%	3.8%	3.9%	3.4%	3.0%	3.1%	2.8%	2.9%	3.5%	3.17%
Dividend/Share	$0.89	$0.92	$0.94	$0.98	$1.03	$1.03	$1.09	$1.13	$1.15	$1.20	$1.20	$1.19	$1.19	$1.20	$1.21	$0.95	$0.92	$1.03	$1.14	$1.23	$1.24
Payout Ratio	25.8%	28.4%	29.6%	29.8%	29.0%	26.5%	26.2%	28.8%	34.2%	41.5%	45.2%	45.5%	40.7%	36.8%	28.0%	74.6%	62.5%	55.1%	74.4%	35.3%	35.28%
FCF Payout Ratio	25.1%	25.3%	23.8%	33.9%	32.2%	39.5%	28.3%	28.9%	49.8%	20.5%	72.9%	34.6%	32.9%	74.0%	24.2%	26.6%	23.7%	25.9%	23.1%	26.4%	26.42%
Total Payout Ratio	33.0%	33.4%	30.9%	31.4%	30.3%	27.6%	27.3%	30.0%	35.5%	44.5%	48.4%	49.2%	44.0%	38.9%	28.0%	76.2%	64.2%	55.9%	78.6%	37.2%	37.22%
Div. Increase Streak	0	0	1	1	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	-0.04	0.01	0.05	0.11	0.22	0.16	0.20	0.21	0.17	0.21	0.15	0.11	0.08	0.05	0.05	0.05	0.19	0.33	0.45	0.57	0.573
Buyback Yield	0.8%	0.6%	0.1%	0.2%	0.1%	0.1%	0.1%	0.2%	0.2%	0.3%	0.3%	0.3%	0.3%	0.2%	0.0%	0.1%	0.1%	0.0%	0.2%	0.2%	0.19%
Net Buyback Yield	0.6%	0.4%	-0.0%	0.0%	-0.0%	-0.0%	-0.0%	0.0%	-0.0%	0.1%	0.2%	0.2%	0.3%	0.2%	0.0%	-36.6%	-33.0%	-26.5%	-24.9%	0.2%	0.19%
Total Shareholder Return	3.6%	3.6%	3.1%	3.2%	3.3%	3.1%	3.4%	3.7%	4.2%	4.2%	4.5%	4.5%	4.1%	4.1%	3.4%	-33.7%	-29.9%	-23.8%	-22.0%	3.7%	3.72%

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)	0.84	0.84	0.86	0.86	0.85	0.85	0.82	0.82	0.83	0.83	0.88	0.88	0.88	0.88	0.81	0.85	0.82	0.80	0.83	0.80	0.801
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	1.26	1.264
EBIT Margin	0.29	0.27	0.24	0.24	0.25	0.26	0.26	0.23	0.18	0.14	0.11	0.11	0.12	0.13	0.18	0.07	0.10	0.12	0.09	0.16	0.164
Asset Turnover	0.05	0.05	0.04	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.05	0.06	0.06	0.06	0.061
Equity Multiplier	9.97	9.97	11.30	11.30	11.30	11.30	13.77	13.77	13.77	13.77	16.38	16.38	16.38	16.38	16.24	16.24	16.24	16.24	12.20	12.20	12.198

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$3.43	$3.26	$3.19	$3.29	$3.56	$3.90	$4.16	$3.93	$3.38	$2.88	$2.66	$2.62	$2.94	$3.25	$4.32	$1.27	$1.47	$1.87	$1.53	$3.49	$3.49
Book Value/Share	$30.61	$30.47	$31.95	$31.76	$31.69	$31.62	$29.15	$28.88	$28.84	$28.84	$30.78	$30.47	$30.47	$30.51	$33.48	$26.02	$22.12	$22.16	$35.17	$34.84	$35.11
Tangible Book/Share	$30.61	$30.47	$31.95	$31.76	$31.69	$31.62	$28.95	$28.69	$28.65	$28.65	$30.74	$30.42	$30.43	$30.47	$33.48	$26.02	$22.12	$22.16	$35.17	$34.84	$34.84
Revenue/Share	$14.25	$14.55	$15.26	$15.82	$16.81	$17.85	$19.12	$21.01	$23.01	$25.47	$27.31	$27.91	$28.57	$29.18	$29.88	$20.94	$18.47	$19.04	$19.47	$21.02	$21.02
FCF/Share	$3.53	$3.66	$3.97	$2.88	$3.21	$2.61	$3.86	$3.92	$2.32	$5.84	$1.65	$3.45	$3.63	$1.62	$4.99	$3.58	$3.88	$3.99	$4.93	$4.66	$4.66
OCF/Share	$3.71	$3.85	$4.12	$3.03	$3.36	$2.73	$4.10	$4.07	$2.59	$6.26	$1.95	$3.77	$3.94	$1.81	$5.28	$3.89	$4.13	$4.26	$5.19	$4.86	$4.86
Cash/Share	$71.26	$70.95	$74.22	$73.77	$73.62	$73.45	$61.91	$61.34	$61.26	$61.26	$70.87	$70.14	$70.15	$70.24	$49.72	$38.65	$32.86	$32.91	$25.57	$25.33	$2.68
EBITDA/Share	$4.50	$4.29	$3.99	$4.11	$4.46	$4.89	$5.34	$5.07	$4.37	$3.74	$3.30	$3.25	$3.62	$3.96	$5.59	$1.69	$1.95	$2.49	$1.96	$3.52	$3.52
Debt/Share	$1.20	$1.19	$0.00	$0.00	$0.00	$0.00	$68.02	$67.38	$67.30	$67.30	$55.23	$54.66	$54.67	$54.74	$42.07	$32.70	$27.80	$27.85	$12.96	$12.84	$12.84
Net Debt/Share	$-70.07	$-69.76	$-74.22	$-73.77	$-73.62	$-73.45	$6.11	$6.05	$6.04	$6.04	$-15.64	$-15.48	$-15.48	$-15.50	$-7.66	$-5.95	$-5.06	$-5.07	$-12.61	$-12.49	$-12.49

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.269
Altman Z-Prime	snapshot only																				-4.722
Piotroski F-Score	5	5	5	4	3	4	5	6	4	5	4	5	5	5	7	4	5	5	5	7	7
Beneish M-Score	-2.41	-2.35	-2.28	-2.26	-2.13	-2.10	-1.95	-1.73	-1.73	-1.69	-2.00	-2.22	-2.32	-2.28	-2.36	-2.00	-2.24	-2.48	-2.49	-2.29	-2.288
Ohlson O-Score	snapshot only																				-2.915
Net-Net WC	snapshot only																				$-288.27
EVA	snapshot only																				$2864725.14

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	82.51	82.12	54.19	54.49	56.10	57.71	45.68	45.66	43.24	40.14	38.64	40.15	40.03	41.58	52.04	34.10	40.70	44.48	56.51	68.00	67.995
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				33.899
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				59
Sector Credit Rank	snapshot only																				58

EFSI NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

Sign in to InsiderStreet