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EGBN NASDAQ

Eagle Bancorp, Inc.
1W: +4.1% 1M: -2.9% 3M: -1.6% YTD: +25.1% 1Y: +42.4% 3Y: +77.8% 5Y: -42.8%
$26.19
+0.11 (+0.42%)
 
Weekly Expected Move ±3.4%
$23 $24 $24 $25 $26
NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 44 · $798.7M mcap · 25M float · 1.18% daily turnover · Short 63% 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.

NO EDGE
26.4 / 100
NoneWeakNarrowWide
Primary source: Efficient Scale  ·  ROIC: -41.4%  ·  5Y Avg: -1.2%
Cost Advantage
31
Intangibles
14
Switching Cost
29
Network Effect
28
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. EGBN has No discernible competitive edge (26.4/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. Negative ROIC of -41.4% 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
$29
Low
$29
Avg Target
$29
High
Based on 1 analyst since Apr 22, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 6Hold: 8Sell: 0Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$30.50
Analysts2
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-04-27 Piper Sandler — $19 $29 +10 +10.3% $26.30
2026-04-14 Raymond James — Initiated $32 — +20.3% $26.61
2026-01-27 UBS — Initiated $25 — -5.3% $26.39
2025-10-27 Piper Sandler — $27 $19 -8 +9.0% $17.43
2025-05-20 Jefferies David Chiaverini Initiated $20 — +8.0% $18.51
2024-10-21 Piper Sandler Justin Crowley Initiated $27 — +10.4% $24.45

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
4
ROE
1
ROA
1
D/E
3
P/E
1
P/B
4
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. EGBN receives an overall rating of B-. Strongest factors: DCF (4/5), P/B (4/5). Areas of concern: ROE (1/5), ROA (1/5), P/E (1/5).
Rating Change History
DateFromTo
2026-04-28 C+ B-
2026-04-01 B- C+
2026-03-04 C+ B-
2026-01-30 B- C+
2026-01-23 B B-
2026-01-22 B- B
2026-01-22 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.

★ ★ ★ ★ ★ 15 Grade C
Profitability
28
Balance Sheet
40
Earnings Quality
74
Growth
24
Value
50
Momentum
29
Safety
50
Cash Flow
12
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. EGBN scores highest in Earnings Quality (74/100) and lowest in Cash Flow (12/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

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

Altman-B Score
1.96
Grey Zone
Piotroski F-Score
4/9
✗ ✓ ✗ ✓ ✗ ✓ ✗ ✓ ✗
Beneish M-Score
-3.70
Unlikely Manipulator
Ohlson O-Score
-4.57
Bankruptcy prob: 1.0%
Low Risk
Credit Rating
B
Score: 28.4/100
Trend: Deteriorating
Earnings Quality
—
OCF/NI: -0.00x
Accruals: -1.1%
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. EGBN scores 1.96, 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. EGBN scores 4/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. 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. EGBN's score of -3.70 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. EGBN's implied 1.0% 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. EGBN receives an estimated rating of B (score: 28.4/100), with a deteriorating trend.

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
-6.95x
PEG
0.02x
P/S
1.30x
P/B
0.70x
P/FCF
-94.94x
P/OCF
4173.29x
EV/EBITDA
0.53x
EV/Revenue
-0.13x
EV/EBIT
0.52x
EV/FCF
10.25x
Earnings Yield
-15.14%
FCF Yield
-1.05%
Shareholder Yield
1.70%
Graham Number
—
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. EGBN currently has negative earnings — the P/E ratio is not meaningful.

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
0.666
NI / EBT
×
Interest Burden
1.100
EBT / EBIT
×
EBIT Margin
-0.254
EBIT / Rev
×
Asset Turnover
0.057
Rev / Assets
×
Equity Multiplier
9.135
Assets / Equity
=
ROE
-9.7%
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. EGBN's ROE of -9.7% is driven by financial leverage (equity multiplier: 9.14x). 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
0.00%
Fair P/E
8.50x
Intrinsic Value
—
Price/Value
—
Margin of Safety
—
Premium
—
Assessment
Overvalued

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
$26.19
Median 1Y
$22.34
5th Pctile
$10.62
95th Pctile
$47.05
Ann. Volatility
45.3%
Analyst Target
$30.50
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
Susan G. Riel
, President & CEO of Company and Bank
 $907,360 $2,194,859 $3,191,637
Antonio F. Marquez
, Former SEVP; President of Commercial Banking
 $327,680 $642,655 $1,664,697
Norman R. Pozez
, Executive Chairman of Company and Bank
 $— $— $1,322,858
Ryan A. Riel
, EVP, Chief Real Estate Lending Officer of Bank
 $406,725 $513,850 $946,581
Charles D. Levingston
, EVP; CFO of Bank (former CFO of Company)
 $423,980 $240,507 $720,725
Eric R. Newell
, EVP; CFO of Company
 $119,227 $299,989 $521,682

CEO Pay Ratio

25:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $3,191,637
Avg Employee Cost (SGA/emp): $126,956
Employees: 475

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
475
+5.3% YoY
Revenue / Employee
$1,335,280
Rev: $634,258,000
Profit / Employee
$-269,583
NI: $-128,052,000
SGA / Employee
$126,956
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 14.1% 14.3% 13.6% 13.8% 11.3% 10.8% 10.9% 9.3% 10.3% 9.5% 8.0% 6.1% -2.9% -3.4% -3.8% -3.6% -2.5% -9.6% -10.8% -9.7% -9.72%
ROA 1.7% 1.7% 1.5% 1.6% 1.3% 1.2% 1.2% 1.0% 1.2% 1.1% 0.9% 0.7% -0.3% -0.4% -0.4% -0.4% -0.3% -1.1% -1.2% -1.1% -1.06%
ROIC -16.4% -16.6% -7.0% -7.1% -5.8% -5.5% 30.6% 25.9% 28.7% 26.6% 18.5% 14.0% -2.5% -3.7% -6.8% -6.8% -13.5% -38.4% -44.9% -41.4% -41.35%
ROCE 14.3% 14.5% 15.4% 15.5% 13.2% 12.6% 13.3% 11.3% 11.9% 10.9% 8.8% 6.8% -1.2% -1.7% -2.0% -2.1% -4.1% -11.6% -1.6% -1.5% -1.50%
Gross Margin 94.6% 97.3% 99.0% 94.7% 86.4% 73.1% 67.9% 49.8% 45.3% 43.1% 36.4% 23.8% 38.4% 38.9% 37.3% 29.6% -41.6% -27.9% 49.8% 44.8% 44.81%
Operating Margin 61.1% 60.0% 58.4% 62.3% 28.1% 42.1% 38.9% 21.6% 22.3% 20.7% 14.6% 1.5% -45.4% 14.8% 11.5% 1.5% -69.2% -55.3% 12.8% 11.1% 11.11%
Net Margin 45.3% 44.7% 43.0% 47.8% 15.5% 31.9% 31.4% 16.8% 17.4% 16.3% 11.9% -0.2% -47.9% 12.1% 8.9% 1.0% -44.2% -44.2% 4.7% 10.2% 10.18%
EBITDA Margin 62.2% 62.6% 59.5% 63.2% 28.9% 42.8% 39.5% 22.2% 22.9% 21.2% 15.1% 1.9% -45.0% 15.1% 12.1% 2.0% -68.7% -54.9% 12.8% 11.1% 11.11%
FCF Margin 45.1% 58.9% 57.9% 72.2% 63.9% 37.2% 43.0% 38.8% 28.7% 31.6% 30.2% 20.2% 23.5% 24.2% 17.5% 23.7% 11.7% 6.1% 3.3% -1.3% -1.30%
OCF Margin 46.1% 60.7% 59.2% 73.0% 64.4% 37.6% 43.5% 39.2% 29.0% 31.8% 30.2% 20.2% 23.4% 24.2% 17.5% 23.8% 11.9% 6.9% 4.5% 0.0% 0.03%
ROE 3Y Avg snapshot only -2.60%
ROE 5Y Avg snapshot only 3.04%
ROA 3Y Avg snapshot only -0.28%
ROIC 3Y Avg snapshot only -12.96%
ROIC Economic snapshot only -9.71%
Cash ROA snapshot only 0.00%
Cash ROIC snapshot only 0.06%
CROIC snapshot only -2.67%
NOPAT Margin snapshot only -20.10%
Pretax Margin snapshot only -27.98%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 13.23%
SBC / Revenue snapshot only 1.14%
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 8.55 8.71 8.76 8.52 8.72 8.70 8.54 7.56 4.27 4.68 8.21 8.63 -14.82 -15.70 -16.35 -13.90 -18.89 -5.10 -5.06 -6.60 -6.952
P/S Ratio 3.44 3.67 3.82 3.85 3.27 2.97 2.68 1.82 1.01 0.94 1.28 0.96 0.78 0.94 1.09 0.91 0.87 0.95 1.02 1.23 1.299
P/B Ratio 1.18 1.22 1.15 1.13 0.95 0.90 0.98 0.73 0.46 0.47 0.65 0.51 0.42 0.52 0.63 0.51 0.48 0.50 0.57 0.67 0.698
P/FCF 7.63 6.24 6.61 5.33 5.11 8.01 6.24 4.68 3.52 2.97 4.22 4.76 3.34 3.88 6.23 3.82 7.40 15.55 31.20 -94.94 -94.942
P/OCF 7.46 6.05 6.46 5.28 5.08 7.91 6.18 4.63 3.49 2.95 4.22 4.76 3.34 3.88 6.21 3.81 7.30 13.79 22.73 4173.29 4173.292
EV/EBITDA -3.59 -3.33 -9.61 -9.64 -12.52 -13.51 2.26 0.82 -1.17 -1.22 0.72 -0.74 13.60 3.20 3.88 9.11 5.06 1.55 1.15 0.53 0.528
EV/Revenue -1.93 -1.88 -5.78 -5.97 -6.67 -6.49 0.97 0.27 -0.36 -0.32 0.15 -0.11 -0.28 -0.10 -0.15 -0.36 -0.43 -0.40 -0.31 -0.13 -0.133
EV/EBIT -3.59 -3.34 -9.85 -9.87 -12.84 -13.76 2.30 0.84 -1.19 -1.25 0.74 -0.77 11.08 2.82 3.47 8.14 4.78 1.52 1.14 0.52 0.523
EV/FCF -4.27 -3.19 -9.99 -8.26 -10.43 -17.48 2.26 0.70 -1.25 -1.00 0.48 -0.55 -1.17 -0.42 -0.85 -1.51 -3.65 -6.59 -9.33 10.25 10.248
Earnings Yield 11.7% 11.5% 11.4% 11.7% 11.5% 11.5% 11.7% 13.2% 23.4% 21.4% 12.2% 11.6% -6.7% -6.4% -6.1% -7.2% -5.3% -19.6% -19.8% -15.1% -15.14%
FCF Yield 13.1% 16.0% 15.1% 18.7% 19.6% 12.5% 16.0% 21.3% 28.4% 33.7% 23.7% 21.0% 30.0% 25.8% 16.1% 26.2% 13.5% 6.4% 3.2% -1.1% -1.05%
PEG Ratio snapshot only 0.019
Price/Tangible Book snapshot only 0.666
EV/OCF snapshot only -450.455
EV/Gross Profit snapshot only -2.213
Shareholder Yield snapshot only 1.70%
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 0.31 0.31 0.42 0.42 0.42 0.42 0.19 0.19 0.19 0.19 0.22 0.22 0.22 0.22 0.16 0.16 0.16 0.16 0.33 0.33 0.332
Quick Ratio 0.31 0.31 0.42 0.42 0.42 0.42 0.19 0.19 0.19 0.19 0.22 0.22 0.22 0.22 0.16 0.16 0.16 0.16 0.33 0.33 0.332
Debt/Equity 0.50 0.50 0.32 0.32 0.32 0.32 0.90 0.90 0.90 0.90 1.17 1.17 1.17 1.17 0.51 0.51 0.51 0.51 0.13 0.13 0.129
Net Debt/Equity -1.84 -1.84 -2.88 -2.88 -2.88 -2.88 -0.62 -0.62 -0.62 -0.62 -0.57 -0.57 -0.57 -0.57 -0.71 -0.71 -0.71 -0.71 -0.74 -0.74 -0.737
Debt/Assets 0.06 0.06 0.04 0.04 0.04 0.04 0.10 0.10 0.10 0.10 0.13 0.13 0.13 0.13 0.06 0.06 0.06 0.06 0.01 0.01 0.014
Debt/EBITDA 2.72 2.67 1.76 1.75 2.06 2.17 5.75 6.74 6.41 7.00 11.40 14.58 -106.69 -67.43 -23.04 -22.90 -10.94 -3.71 -0.87 -0.95 -0.945
Net Debt/EBITDA -10.01 -9.83 -15.96 -15.87 -18.66 -19.69 -3.98 -4.67 -4.44 -4.84 -5.59 -7.14 52.26 33.03 32.32 32.11 15.34 5.20 5.00 5.41 5.415
Interest Coverage 4.59 5.14 5.94 6.59 5.24 3.45 2.07 1.08 0.77 0.55 0.38 0.27 -0.04 -0.06 -0.08 -0.08 -0.16 -0.49 -0.51 -0.50 -0.498
Equity Multiplier 8.96 8.96 8.77 8.77 8.77 8.77 9.08 9.08 9.08 9.08 9.15 9.15 9.15 9.15 9.08 9.08 9.08 9.08 9.20 9.20 9.198
Cash Ratio snapshot only 28.037
Debt Service Coverage snapshot only -0.493
Cash to Debt snapshot only 6.727
FCF to Debt snapshot only -0.054
Defensive Interval snapshot only 1938.2 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 0.03 0.03 0.04 0.04 0.04 0.05 0.05 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.057
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover — — — — — — — — — — — — — — — — — — 30.64 29.80 29.796
Payables Turnover — — — — — — — — — — — — — — — — — — — — —
DSO 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 12 12 12.2 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 12 12 —
Fixed Asset Turnover snapshot only 14.952
Cash Velocity snapshot only 0.624
Capital Intensity snapshot only 17.019
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 -4.9% -7.3% -7.1% -8.2% -8.3% -0.5% 10.7% 25.4% 43.2% 48.8% 44.3% 37.4% 23.4% 15.4% 9.3% 1.2% -2.7% -8.5% -10.3% -10.6% -10.63%
Net Income 38.5% 35.1% 33.6% 17.3% -14.6% -19.3% -20.2% -33.3% -9.7% -12.7% -28.7% -36.4% -1.3% -1.3% -1.5% -1.6% 15.2% -1.9% -1.7% -1.6% -1.55%
EPS 39.5% 36.0% 33.8% 16.6% -14.9% -19.6% -19.9% -31.3% -4.9% -6.3% -24.1% -34.0% -1.3% -1.3% -1.5% -1.6% 15.7% -1.8% -1.7% -1.5% -1.54%
FCF 52.2% 65.4% 79.9% 1.8% 30.0% -37.2% -17.7% -32.6% -35.8% 26.7% 1.4% -28.5% 1.0% -11.9% -36.9% 18.8% -51.3% -76.8% -83.2% -1.0% -1.05%
EBITDA 31.6% 32.3% 38.7% 21.2% -8.8% -15.2% -20.8% -32.9% -17.0% -19.8% -32.1% -37.7% -1.1% -1.1% -1.2% -1.3% -3.1% -6.6% -5.2% -4.7% -4.71%
Op. Income 34.7% 32.7% 34.9% 18.0% -11.4% -16.5% -20.2% -32.7% -16.5% -20.1% -32.8% -38.5% -1.1% -1.2% -1.2% -1.3% -2.5% -5.8% -4.6% -4.2% -4.15%
OCF Growth snapshot only -99.89%
Asset Growth snapshot only -5.68%
Equity Growth snapshot only -6.91%
Debt Growth snapshot only -76.42%
Shares Change snapshot only 0.45%
Dividend Growth snapshot only -71.37%
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 3.8% 1.0% -0.9% -2.9% -4.3% -3.2% -0.5% 3.1% 7.7% 11.1% 14.1% 16.5% 17.5% 19.5% 20.4% 20.4% 19.8% 16.2% 12.3% 7.5% 7.50%
Revenue 5Y 7.6% 6.3% 5.3% 4.3% 3.5% 3.8% 4.9% 6.3% 8.0% 8.8% 9.2% 9.5% 9.2% 9.2% 9.2% 8.8% 8.5% 7.7% 7.8% 7.4% 7.42%
EPS 3Y 16.0% 13.6% 7.7% 8.6% 1.6% 0.4% 1.2% -1.6% 4.1% 0.8% -6.6% -19.1% — — — — — — — — —
EPS 5Y 15.0% 14.5% 14.1% 13.5% 8.3% 6.3% 8.6% 3.9% 4.8% 2.0% -5.4% -10.3% — — — — — — — — —
Net Income 3Y 13.2% 10.9% 5.1% 6.0% -0.8% -1.7% -0.5% -3.4% 2.2% -1.7% -8.7% -20.7% — — — — — — — — —
Net Income 5Y 13.5% 13.0% 12.6% 12.0% 6.9% 4.9% 7.1% 1.9% 2.3% -0.8% -8.0% -12.8% — — — — — — — — —
EBITDA 3Y 4.0% 3.7% 4.9% 5.4% -0.4% -2.2% -1.7% -4.3% -0.1% -3.4% -9.3% -20.3% — — — — — — — — —
EBITDA 5Y 8.5% 8.2% 8.1% 7.6% 3.4% 1.5% 0.0% -3.7% -3.1% -5.4% -9.1% -13.3% — — — — — — — — —
Gross Profit 3Y 5.5% 4.9% 5.3% 4.4% 3.0% 2.1% 1.8% 1.5% 1.3% -0.9% -4.3% -10.2% -13.3% -13.7% -14.2% -13.2% -31.8% -77.7% -61.6% -52.0% -52.04%
Gross Profit 5Y 7.6% 7.2% 7.1% 6.4% 5.1% 4.0% 3.1% 1.5% 0.3% -1.0% -3.2% -5.6% -6.3% -6.4% -6.2% -4.9% -17.8% -58.4% -42.5% -36.1% -36.09%
Op. Income 3Y 5.3% 4.8% 5.2% 5.8% 0.1% -1.1% -1.2% -4.1% -0.1% -4.0% -10.2% -21.2% — — — — — — — — —
Op. Income 5Y 9.2% 8.7% 8.4% 7.9% 3.7% 1.8% 0.4% -3.4% -2.9% -5.1% -9.0% -13.3% — — — — — — — — —
FCF 3Y 6.9% 17.3% 12.6% 16.2% 16.2% 1.3% 14.1% 11.6% 8.3% 9.6% 14.5% 10.1% -5.5% -11.1% -19.2% -17.0% -31.9% -36.3% -52.4% — —
FCF 5Y 1.2% 29.8% 16.4% 16.2% 16.6% -1.1% 4.5% 13.4% 0.4% 5.1% 3.6% -5.5% 0.3% 3.0% -1.0% 3.4% -9.0% -23.1% -30.7% — —
OCF 3Y 6.6% 17.5% 13.1% 16.1% 16.3% 1.0% 13.7% 11.4% 7.1% 9.5% 13.7% 8.2% -6.2% -12.0% -19.8% -17.2% -31.7% -33.9% -47.3% -90.2% -90.22%
OCF 5Y 0.9% 27.8% 15.4% 15.2% 15.4% -1.5% 3.9% 12.7% -0.0% 4.7% 3.4% -5.7% 0.2% 2.6% -1.4% 3.1% -9.5% -21.4% -26.5% -72.1% -72.15%
Assets 3Y 14.1% 14.1% 12.2% 12.2% 12.2% 12.2% 7.4% 7.4% 7.4% 7.4% 1.6% 1.6% 1.6% 1.6% -2.1% -2.1% -2.1% -2.1% -2.0% -2.0% -1.99%
Assets 5Y 12.8% 12.8% 11.4% 11.4% 11.4% 11.4% 8.3% 8.3% 8.3% 8.3% 6.8% 6.8% 6.8% 6.8% 4.4% 4.4% 4.4% 4.4% -1.1% -1.1% -1.14%
Equity 3Y 9.3% 9.3% 6.8% 6.8% 6.8% 6.8% 1.0% 1.0% 1.0% 1.0% 0.9% 0.9% 0.9% 0.9% -3.2% -3.2% -3.2% -3.2% -2.4% -2.4% -2.42%
Book Value 3Y 12.0% 12.0% 9.4% 9.4% 9.4% 9.1% 2.7% 2.8% 2.9% 3.6% 3.2% 2.9% 2.9% 2.8% -1.4% -1.4% -1.3% -1.3% -0.7% -1.7% -1.74%
Dividend 3Y 7.4% 13.5% 19.3% 22.3% 19.4% 14.1% 9.4% 6.7% 3.9% 2.9% 1.8% 0.5% 1.2% 1.8% -4.3% -10.4% -17.9% -27.2% -29.3% -33.6% -33.63%
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 0.77 0.62 0.49 0.34 0.23 0.25 0.41 0.47 0.43 0.42 0.47 0.49 0.52 0.56 0.63 0.67 0.70 0.67 0.69 0.66 0.656
Earnings Stability 0.79 0.82 0.71 0.84 0.55 0.44 0.32 0.11 0.08 0.00 0.22 0.34 0.43 0.48 0.53 0.62 0.66 0.74 0.78 0.88 0.884
Margin Stability 0.90 0.90 0.88 0.88 0.88 0.89 0.89 0.86 0.81 0.79 0.74 0.69 0.66 0.64 0.61 0.59 0.46 0.31 0.34 0.35 0.355
Rev. Growth Consistency 0.00 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 0.00 0.00 0.00 0.00 0.000
Earn. Growth Consistency 0.50 0.50 0.50 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.00 0.00 0.00 0.000
FCF Positive Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 0 0
Earnings Persistence 0.85 0.86 0.87 0.93 0.94 0.92 0.92 0.87 0.96 0.95 0.89 0.85 0.20 0.20 0.20 0.20 0.50 0.50 0.50 0.50 0.500
Earnings Smoothness 0.68 0.70 0.71 0.84 0.84 0.79 0.77 0.60 0.90 0.86 0.67 0.56 — — — — — — — — —
ROE Trend 0.02 0.02 0.02 0.02 -0.01 -0.02 -0.00 -0.03 -0.02 -0.02 -0.04 -0.06 -0.14 -0.13 -0.14 -0.12 -0.06 -0.13 -0.13 -0.11 -0.112
Gross Margin Trend 0.15 0.18 0.22 0.21 0.16 0.06 -0.05 -0.21 -0.33 -0.39 -0.44 -0.45 -0.41 -0.35 -0.27 -0.16 -0.29 -0.42 -0.36 -0.31 -0.305
FCF Margin Trend 0.13 0.26 0.29 0.45 0.27 -0.09 -0.01 -0.09 -0.26 -0.16 -0.20 -0.35 -0.23 -0.10 -0.19 -0.06 -0.14 -0.22 -0.21 -0.23 -0.233
Sustainable Growth Rate 11.4% 11.1% 10.2% 10.0% 7.3% 6.6% 6.6% 4.8% 5.9% 5.2% 3.6% 1.7% — — — — — — — — —
Internal Growth Rate 1.4% 1.4% 1.2% 1.1% 0.8% 0.8% 0.7% 0.5% 0.7% 0.6% 0.4% 0.2% — — — — — — — — —
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 1.15 1.44 1.36 1.62 1.72 1.10 1.38 1.63 1.23 1.59 1.95 1.81 -4.44 -4.05 -2.63 -3.65 -2.59 -0.37 -0.22 -0.00 -0.002
FCF/OCF 0.98 0.97 0.98 0.99 0.99 0.99 0.99 0.99 0.99 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0.99 0.89 0.73 -43.96 -43.956
FCF/Net Income snapshot only 0.070
CapEx/Revenue 1.0% 1.8% 1.3% 0.8% 0.4% 0.4% 0.5% 0.4% 0.3% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.1% 0.2% 0.8% 1.2% 1.3% 1.33%
CapEx/Depreciation snapshot only 5.510
Accruals Ratio -0.00 -0.01 -0.01 -0.01 -0.01 -0.00 -0.00 -0.01 -0.00 -0.01 -0.01 -0.01 -0.02 -0.02 -0.01 -0.02 -0.01 -0.01 -0.01 -0.01 -0.011
Sloan Accruals snapshot only 0.752
Cash Flow Adequacy snapshot only 0.010
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 2.3% 2.6% 2.9% 3.2% 4.1% 4.5% 4.6% 6.3% 9.9% 9.6% 6.7% 8.3% 10.1% 8.3% 5.9% 5.9% 4.9% 3.3% 2.4% 1.4% 0.74%
Dividend/Share $1.04 $1.22 $1.40 $1.54 $1.64 $1.69 $1.75 $1.83 $1.84 $1.84 $1.84 $1.81 $1.81 $1.81 $1.50 $1.22 $0.94 $0.66 $0.51 $0.35 $0.20
Payout Ratio 19.4% 22.4% 25.3% 27.6% 35.9% 38.7% 39.6% 47.7% 42.3% 44.9% 54.7% 71.8% — — — — — — — — —
FCF Payout Ratio 17.3% 16.0% 19.1% 17.3% 21.1% 35.6% 28.9% 29.6% 34.9% 28.5% 28.1% 39.6% 33.7% 32.2% 37.0% 22.7% 36.1% 50.6% 73.8% — —
Total Payout Ratio 29.5% 32.7% 25.7% 28.0% 36.4% 38.7% 63.1% 90.8% 1.0% 1.1% 1.0% 1.1% — — — — — — — — —
Div. Increase Streak 1 1 1 0 1 1 1 1 1 1 0 0 0 0 0 0 0 0 0 0 0
Chowder Number 0.17 0.38 0.61 0.73 0.63 0.44 0.29 0.22 0.16 0.11 0.05 0.04 0.08 0.08 -0.11 -0.26 -0.43 -0.60 -0.64 -0.70 -0.700
Buyback Yield 1.2% 1.2% 0.0% 0.0% 0.0% 0.0% 2.7% 5.7% 14.3% 14.1% 5.8% 4.5% 0.0% 0.0% 0.0% 0.0% 0.0% 0.2% 0.2% 0.3% 0.30%
Net Buyback Yield 1.2% 1.2% 0.0% 0.0% 0.0% 0.0% 2.7% 5.7% 14.3% 14.1% 5.8% 4.5% -0.0% -0.0% -0.0% -0.0% -0.0% 0.1% 0.1% 0.2% 0.25%
Total Shareholder Return 3.4% 3.7% 2.9% 3.3% 4.2% 4.5% 7.4% 12.0% 24.2% 23.7% 12.5% 12.8% 10.1% 8.3% 5.9% 5.9% 4.8% 3.4% 2.5% 1.6% 1.65%
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) 0.75 0.75 0.74 0.75 0.72 0.72 0.74 0.74 0.78 0.79 0.79 0.77 2.12 1.67 1.56 1.48 0.51 0.70 0.69 0.67 0.666
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 1.09 1.10 1.100
EBIT Margin 0.54 0.56 0.59 0.60 0.52 0.47 0.42 0.32 0.30 0.25 0.20 0.15 -0.02 -0.04 -0.04 -0.04 -0.09 -0.27 -0.27 -0.25 -0.254
Asset Turnover 0.04 0.04 0.04 0.03 0.03 0.04 0.04 0.04 0.05 0.05 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.057
Equity Multiplier 8.27 8.27 8.86 8.86 8.86 8.86 8.92 8.92 8.92 8.92 9.12 9.12 9.12 9.12 9.12 9.12 9.12 9.12 9.14 9.14 9.135
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) $5.36 $5.43 $5.52 $5.57 $4.56 $4.37 $4.42 $3.83 $4.34 $4.09 $3.35 $2.53 $-1.21 $-1.39 $-1.55 $-1.48 $-1.02 $-3.96 $-4.23 $-3.77 $-3.77
Book Value/Share $38.75 $38.74 $42.17 $42.07 $42.02 $42.01 $38.51 $39.39 $40.27 $41.02 $42.52 $42.38 $42.21 $42.14 $40.43 $40.33 $40.37 $40.37 $37.74 $37.37 $37.65
Tangible Book/Share $35.47 $35.46 $38.92 $38.82 $38.78 $38.77 $35.24 $36.05 $36.85 $37.54 $39.02 $38.89 $38.74 $38.67 $40.43 $40.32 $40.37 $40.37 $37.74 $37.37 $37.37
Revenue/Share $13.33 $12.88 $12.64 $12.33 $12.17 $12.77 $14.05 $15.92 $18.37 $20.40 $21.59 $22.68 $22.91 $23.31 $23.32 $22.70 $22.16 $21.24 $20.97 $20.20 $20.27
FCF/Share $6.01 $7.58 $7.31 $8.91 $7.78 $4.74 $6.04 $6.18 $5.27 $6.46 $6.52 $4.58 $5.38 $5.63 $4.07 $5.38 $2.60 $1.30 $0.69 $-0.26 $-0.26
OCF/Share $6.14 $7.82 $7.48 $9.00 $7.83 $4.80 $6.11 $6.25 $5.32 $6.49 $6.53 $4.58 $5.37 $5.63 $4.08 $5.40 $2.64 $1.47 $0.94 $0.01 $0.01
Cash/Share $90.93 $90.91 $134.78 $134.45 $134.31 $134.26 $58.83 $60.19 $61.52 $62.67 $74.26 $74.01 $73.72 $73.58 $49.37 $49.24 $49.29 $49.30 $32.68 $32.37 $0.42
EBITDA/Share $7.14 $7.27 $7.60 $7.63 $6.48 $6.14 $6.05 $5.28 $5.67 $5.29 $4.37 $3.41 $-0.46 $-0.73 $-0.89 $-0.90 $-1.88 $-5.53 $-5.56 $-5.09 $-5.09
Debt/Share $19.45 $19.44 $13.40 $13.36 $13.35 $13.34 $34.77 $35.57 $36.36 $37.04 $49.84 $49.68 $49.48 $49.39 $20.55 $20.49 $20.51 $20.52 $4.86 $4.81 $4.81
Net Debt/Share $-71.48 $-71.47 $-121.39 $-121.09 $-120.96 $-120.92 $-24.06 $-24.61 $-25.16 $-25.63 $-24.42 $-24.33 $-24.24 $-24.19 $-28.82 $-28.74 $-28.77 $-28.78 $-27.82 $-27.55 $-27.55
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 — — — — — — — — — — — — — — — — — — — — 1.960
Altman Z-Prime snapshot only 0.231
Piotroski F-Score 8 8 8 7 5 5 5 5 5 5 7 7 6 5 4 4 3 2 5 4 4
Beneish M-Score -2.71 -2.75 -2.73 -2.63 -2.57 -2.14 -1.76 -1.47 -1.29 -1.61 -1.77 -1.69 -2.42 -2.45 -2.60 -2.60 -3.46 -3.96 -2.66 -3.70 -3.699
Ohlson O-Score snapshot only -4.567
ROIC (Greenblatt) snapshot only -8.87%
Net-Net WC snapshot only $-305.96
EVA snapshot only $-153927890.00
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 B
Credit Score 85.78 86.06 94.49 95.75 92.40 88.18 67.56 63.50 65.48 63.55 60.96 54.79 36.14 36.22 33.40 34.89 32.48 29.83 33.27 28.43 28.428
Credit Grade snapshot only 15
Credit Trend snapshot only -6.461
Implied Spread (bps) snapshot only 750.000
Industry Credit Rank snapshot only 4
Sector Credit Rank snapshot only 15

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