$27.04

+0.38 (+1.43%)

Weekly Expected Move ±2.4%

$26 $26 $27 $28 $28

NYSE · Financial Services · Banks - Regional · Tech Score Sell · Power 43 · $4.1B mcap · 148M float · 1.01% daily turnover · Short 60% of daily vol

Edge Score

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

NARROW EDGE

64.3 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 23.0% · 5Y Avg: 18.9%

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. FBP has a Narrow competitive edge (64.3/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 23.0% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

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

Analyst Price Targets

$32

Low

$32

Avg Target

$33

High

Based on 2 analysts since Jul 22, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 12Hold: 4Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$30.75

Analysts4

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-09-29	Wells Fargo	—	$33	$32	-1	+21.4%	$26.35
2026-08-10	Wells Fargo	Terry McEvoy	$28	$33	+5	+15.1%	$28.67
2026-07-13	Truist Financial	—	$26	$30	+4	+12.4%	$26.68
2026-07-06	Wells Fargo	Robert Rutschow	$23	$28	+5	+6.3%	$26.33
2026-07-01	Raymond James	—	Initiated	$32	—	+22.7%	$26.07
2026-04-23	Piper Sandler	Manuel Navas	$24	$25	+1	+5.6%	$23.67
2026-04-22	Truist Financial	Arren Cyganovich	$25	$26	+1	+9.8%	$23.67
2026-01-30	Piper Sandler	Manuel Navas	$23	$24	+1	+8.4%	$22.14
2026-01-29	Truist Financial	—	$24	$25	+1	+14.6%	$21.82
2026-01-15	Piper Sandler	Manuel Navas	$21	$23	+2	+9.4%	$21.02
2025-10-27	Truist Financial	Arren Cyganovich	Initiated	$24	—	+21.9%	$19.68
2025-10-27	Wells Fargo	Timur Braziler	$22	$23	+1	+13.0%	$20.35
2025-10-09	UBS	—	Initiated	$25	—	+15.9%	$21.57
2025-07-13	Neuberger Berman	Brandon Berman	Initiated	$24	—	+8.9%	$22.03
2025-04-28	Wells Fargo	—	$14	$22	+8	+11.6%	$19.72
2024-10-24	Piper Sandler	Frank Schiraldi	Initiated	$21	—	+9.2%	$19.23
2022-12-15	Wells Fargo	—	Initiated	$14	—	+3.1%	$13.58

Financial Rating

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

A-

Oct 02, 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. FBP receives an overall rating of A-. Strongest factors: DCF (4/5), ROE (5/5), ROA (5/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-08-14	A	A-
2026-07-27	A-	A
2026-05-11	A	A-
2026-04-27	A-	A
2026-03-04	A	A-
2026-03-04	A-	A
2026-01-30	A	A-
2026-01-22	A-	A
2026-01-03	A	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.

★ ★ ★ ★ ★ 65 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. FBP scores highest in Earnings Quality (93/100) and lowest in Balance Sheet (52/100). An overall grade of A+ places FBP 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

2.99

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓

Beneish M-Score

-2.53

Unlikely Manipulator

Ohlson O-Score

-5.74

Bankruptcy prob: 0.3%

Low Risk

Credit Rating

Score: 86.5/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.22x

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. FBP scores 2.99, 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. FBP 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. FBP's score of -2.53 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. FBP's implied 0.3% 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. FBP receives an estimated rating of AA (score: 86.5/100), 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). FBP'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

11.31x

PEG

0.42x

P/S

3.26x

P/B

2.10x

P/FCF

9.17x

P/OCF

8.82x

EV/EBITDA

7.92x

EV/Revenue

2.89x

EV/EBIT

8.17x

EV/FCF

8.35x

Earnings Yield

9.27%

FCF Yield

10.91%

Shareholder Yield

8.08%

Graham Number

$26.41

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 11.3x earnings, FBP trades at a reasonable valuation. An earnings yield of 9.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $26.41 per share, 2% below 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

0.832

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.353

EBIT / Rev

Asset Turnover

0.066

Rev / Assets

Equity Multiplier

9.978

Assets / Equity

ROE

19.5%

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. FBP's ROE of 19.5% is driven by financial leverage (equity multiplier: 9.98x). 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

14.43%

Fair P/E

37.37x

Intrinsic Value

$90.30

Price/Value

0.29x

Margin of Safety

71.13%

Premium

-71.13%

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 FBP's realized 14.4% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. FBP trades at a -71% premium to its adjusted intrinsic value of $90.30, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 37.4x compares to the current market P/E of 11.3x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$27.05

Median 1Y

$29.54

5th Pctile

$14.67

95th Pctile

$59.93

Ann. Volatility

41.3%

Analyst Target

$30.75

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

Executive Compensation

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

C-Suite Compensation

Executive	Salary	Stock	Total
Aurelio Alemán President and Chief Executive Officer	$1,107,914	$2,178,242	$5,026,356
Orlando Berges Financial Vice President and Chief Financial Officer	$600,000	$544,546	$1,572,960
Nayda Rivera Customer e Vice President and Chief Customer Officer and Chief of Staff	$550,000	$488,088	$1,457,678
Juan C. Pavía Executive Vice President and Chief Credit Officer	$493,462	$387,994	$1,259,079
Lilian Díaz-Bento Business e Vice President and Business Group Director	$468,462	$350,559	$1,119,664

CEO Pay Ratio

48:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $5,026,356

Avg Employee Cost (SGA/emp): $103,810

Employees: 3,218

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

3,218

+3.4% YoY

Revenue / Employee

$390,478

Rev: $1,256,559,000

Profit / Employee

$107,168

NI: $344,866,000

SGA / Employee

$103,810

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	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	11.6%	12.8%	15.1%	16.3%	17.6%	17.8%	18.4%	19.6%	23.1%	21.5%	21.2%	21.5%	20.1%	18.9%	18.6%	18.4%	18.4%	19.0%	19.0%	19.5%	19.49%
ROA	1.3%	1.4%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.6%	1.6%	1.6%	1.6%	1.6%	1.6%	1.6%	1.6%	1.7%	1.8%	1.9%	2.0%	1.95%
ROIC	-4.3%	-4.8%	-5.4%	-6.1%	-7.0%	-8.2%	-8.3%	-6.8%	-7.8%	-8.1%	-8.5%	-9.2%	-9.3%	-8.6%	-1.3%	1.6%	-11.9%	20.6%	20.9%	23.0%	23.04%
ROCE	14.0%	17.2%	21.4%	23.8%	31.5%	26.2%	20.3%	20.2%	21.3%	16.9%	18.1%	18.1%	16.5%	16.2%	17.3%	16.9%	16.5%	2.2%	2.3%	2.3%	2.33%
Gross Margin	97.5%	99.4%	1.0%	89.1%	87.4%	82.4%	78.8%	73.8%	74.9%	68.1%	71.5%	72.0%	70.8%	68.6%	71.0%	72.5%	73.0%	73.4%	76.1%	76.6%	76.59%
Operating Margin	49.2%	52.6%	56.1%	45.6%	43.1%	43.9%	37.7%	35.8%	36.9%	30.9%	32.6%	33.8%	32.0%	32.9%	32.5%	34.1%	34.9%	33.5%	35.9%	37.1%	37.07%
Net Margin	33.0%	33.6%	36.9%	31.3%	30.1%	30.1%	26.0%	25.1%	27.8%	29.0%	24.5%	25.3%	24.4%	25.9%	25.0%	26.5%	33.0%	27.2%	27.9%	29.7%	29.65%
EBITDA Margin	52.9%	56.6%	59.7%	48.8%	46.2%	47.0%	40.3%	38.3%	39.3%	33.5%	34.7%	35.9%	34.0%	34.9%	34.3%	35.9%	36.6%	34.9%	37.2%	37.1%	37.07%
FCF Margin	46.7%	43.4%	43.0%	41.5%	44.4%	44.1%	42.5%	34.7%	33.4%	30.3%	29.6%	32.0%	31.9%	33.0%	32.2%	34.1%	35.6%	35.6%	35.6%	34.6%	34.58%
OCF Margin	48.5%	44.9%	44.9%	43.3%	46.4%	46.2%	44.0%	37.1%	35.7%	32.3%	31.8%	33.0%	32.9%	33.9%	32.8%	34.7%	36.3%	36.5%	36.7%	35.9%	35.94%
ROE 3Y Avg	snapshot only																				18.77%
ROE 5Y Avg	snapshot only																				19.33%
ROA 3Y Avg	snapshot only																				1.74%
ROIC 3Y Avg	snapshot only																				17.94%
ROIC Economic	snapshot only																				17.32%
Cash ROA	snapshot only																				2.37%
Cash ROIC	snapshot only																				28.17%
CROIC	snapshot only																				27.11%
NOPAT Margin	snapshot only																				29.39%
Pretax Margin	snapshot only																				35.34%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				25.54%
SBC / Revenue	snapshot only																				0.17%

Valuation

Metric	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	9.14	8.70	7.56	7.24	7.49	6.90	6.38	6.93	7.42	8.68	9.08	9.26	11.10	9.95	10.23	10.79	10.46	9.52	9.35	10.79	11.314
P/S Ratio	2.65	2.75	2.55	2.44	2.46	2.21	1.87	1.92	2.02	2.34	2.41	2.46	2.86	2.49	2.57	2.75	2.89	2.66	2.68	3.17	3.257
P/B Ratio	1.07	1.16	1.28	1.43	1.81	1.59	1.33	1.43	1.69	1.76	1.87	1.93	1.97	1.78	1.74	1.79	1.82	1.67	1.69	2.03	2.099
P/FCF	5.67	6.33	5.94	5.88	5.54	5.01	4.39	5.53	6.04	7.73	8.14	7.70	8.94	7.54	8.00	8.06	8.12	7.46	7.53	9.17	9.167
P/OCF	5.47	6.12	5.69	5.63	5.31	4.78	4.24	5.17	5.65	7.25	7.58	7.46	8.69	7.35	7.85	7.91	7.96	7.28	7.29	8.82	8.822
EV/EBITDA	-14.13	-11.95	-10.12	-8.75	-6.85	-6.19	-6.77	-8.21	-6.47	-6.11	-5.47	-4.77	-3.96	-5.27	2.57	3.96	-2.88	6.83	6.83	7.92	7.924
EV/Revenue	-6.60	-6.23	-5.64	-4.76	-3.60	-3.11	-3.08	-3.51	-2.65	-2.32	-2.00	-1.71	-1.37	-1.84	0.89	1.38	-1.02	2.42	2.47	2.89	2.887
EV/EBIT	-15.51	-12.96	-10.88	-9.38	-7.33	-6.62	-7.25	-8.79	-6.91	-6.55	-5.86	-5.11	-4.24	-5.60	2.73	4.19	-3.03	7.18	7.14	8.17	8.168
EV/FCF	-14.13	-14.35	-13.11	-11.48	-8.10	-7.05	-7.23	-10.10	-7.95	-7.64	-6.74	-5.36	-4.29	-5.56	2.78	4.04	-2.86	6.80	6.94	8.35	8.347
Earnings Yield	10.9%	11.5%	13.2%	13.8%	13.4%	14.5%	15.7%	14.4%	13.5%	11.5%	11.0%	10.8%	9.0%	10.1%	9.8%	9.3%	9.6%	10.5%	10.7%	9.3%	9.27%
FCF Yield	17.6%	15.8%	16.8%	17.0%	18.0%	20.0%	22.8%	18.1%	16.6%	12.9%	12.3%	13.0%	11.2%	13.3%	12.5%	12.4%	12.3%	13.4%	13.3%	10.9%	10.91%
PEG Ratio	snapshot only																				0.417
Price/Tangible Book	snapshot only																				2.077
EV/OCF	snapshot only																				8.033
EV/Gross Profit	snapshot only																				3.860
Acquirers Multiple	snapshot only																				8.168
Shareholder Yield	snapshot only																				8.08%
Graham Number	snapshot only																				$26.41

Leverage & Solvency

Metric	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	0.49	0.48	0.45	0.41	0.36	0.36	0.37	0.38	0.35	0.36	0.35	0.34	0.34	0.34	0.14	0.12	0.30	6.85	6.85	—	—
Quick Ratio	0.49	0.48	0.45	0.41	0.36	0.36	0.37	0.38	0.35	0.36	0.35	0.34	0.34	0.34	0.14	0.12	0.30	6.85	6.85	—	—
Debt/Equity	0.37	0.33	0.33	0.37	0.30	0.70	0.91	0.53	0.51	0.44	0.45	0.44	0.36	0.34	0.19	0.17	0.15	0.19	0.15	0.10	0.101
Net Debt/Equity	-3.74	-3.80	-4.12	-4.21	-4.45	-3.82	-3.52	-4.05	-3.91	-3.49	-3.43	-3.27	-2.92	-3.09	-1.13	-0.89	-2.46	-0.15	-0.13	-0.18	-0.182
Debt/Assets	0.04	0.03	0.03	0.03	0.02	0.05	0.07	0.04	0.04	0.03	0.04	0.04	0.03	0.03	0.02	0.02	0.02	0.02	0.02	0.01	0.010
Debt/EBITDA	1.94	1.47	1.17	1.18	0.79	1.95	2.82	1.65	1.48	1.55	1.58	1.58	1.51	1.35	0.79	0.76	0.68	0.83	0.64	0.43	0.433
Net Debt/EBITDA	-19.80	-17.22	-14.70	-13.23	-11.53	-10.58	-10.89	-12.70	-11.39	-12.29	-12.08	-11.63	-12.23	-12.41	-4.82	-3.94	-11.03	-0.67	-0.58	-0.78	-0.779
Interest Coverage	5.29	6.60	7.92	8.50	8.49	6.65	4.40	3.05	2.26	1.75	1.53	1.42	1.33	1.36	1.41	1.46	1.55	1.64	1.73	1.83	1.831
Equity Multiplier	9.67	9.89	11.19	12.54	14.57	14.06	13.50	13.70	14.27	12.63	12.77	12.66	11.09	11.56	10.74	10.24	10.07	9.73	9.70	9.73	9.733
Debt Service Coverage	snapshot only																				1.887
Cash to Debt	snapshot only																				2.798
FCF to Debt	snapshot only																				2.192
Defensive Interval	snapshot only																				460.2 days

Efficiency & Turnover

Metric	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	0.04	0.05	0.05	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.066
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	13.10	13.60	15.05	14.48	15.55	14.53	16.52	15.72	16.81	15.24	16.80	15.77	17.30	15.95	17.56	16.12	18.12	17.26	18.94	17.83	17.828
Payables Turnover	0.10	-0.00	-0.04	0.10	0.22	0.43	0.68	0.92	1.19	2.53	2.70	3.33	3.55	—	—	—	—	—	—	—	—
DSO	28	27	24	25	23	25	22	23	22	24	22	23	21	23	21	23	20	21	19	20	20.5 days
DIO	0	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	3664	—	—	3511	1679	857	540	399	307	144	135	110	103	0	0	0	0	0	0	0	—
Cash Conversion Cycle	-3636	—	—	-3486	-1656	-832	-518	-375	-285	-120	-114	-87	-82	23	21	23	20	21	19	20	—
Fixed Asset Turnover	snapshot only																				9.851
Cash Velocity	snapshot only																				2.265
Capital Intensity	snapshot only																				15.178

Growth (YoY)

Metric	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	20.5%	15.1%	11.2%	6.7%	4.6%	7.0%	11.9%	14.6%	17.5%	17.9%	14.9%	11.9%	7.7%	6.2%	4.5%	3.0%	2.7%	3.6%	3.6%	5.3%	5.27%
Net Income	1.9%	1.7%	87.7%	45.7%	18.6%	8.6%	-3.1%	-5.7%	-2.9%	-0.7%	4.2%	7.5%	2.0%	-1.4%	-1.1%	-1.3%	10.2%	15.4%	17.9%	21.5%	21.49%
EPS	2.0%	1.9%	1.1%	60.0%	30.9%	20.2%	6.7%	2.8%	3.3%	7.1%	12.6%	16.4%	9.0%	2.1%	0.3%	1.1%	14.4%	20.7%	25.1%	27.3%	27.28%
FCF	95.3%	37.2%	26.7%	-1.3%	-0.5%	8.7%	10.5%	-4.0%	-11.7%	-19.0%	-20.0%	3.1%	3.0%	15.8%	13.5%	9.8%	14.4%	11.6%	14.5%	6.9%	6.88%
EBITDA	2.3%	2.3%	1.1%	52.9%	17.7%	3.1%	-8.9%	-10.0%	-8.3%	-11.1%	-7.7%	-5.9%	-9.3%	-2.2%	-0.4%	-0.2%	5.3%	5.1%	7.6%	10.3%	10.26%
Op. Income	2.6%	2.7%	1.3%	59.7%	20.7%	4.6%	-8.5%	-9.9%	-8.2%	-11.2%	-7.6%	-5.8%	-9.3%	-1.6%	0.5%	0.7%	6.7%	6.5%	9.3%	13.3%	13.25%
OCF Growth	snapshot only																				8.87%
Asset Growth	snapshot only																				1.82%
Equity Growth	snapshot only																				7.12%
Debt Growth	snapshot only																				-37.50%
Shares Change	snapshot only																				-4.55%
Dividend Growth	snapshot only																				12.72%

Growth (CAGR)

Metric	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	11.0%	10.0%	9.4%	9.2%	9.0%	9.3%	10.7%	12.7%	14.0%	13.2%	12.7%	11.0%	9.8%	10.2%	10.3%	9.7%	9.1%	9.0%	7.5%	6.7%	6.67%
Revenue 5Y	7.5%	7.7%	8.2%	8.4%	8.8%	9.5%	9.7%	10.2%	11.0%	10.9%	11.0%	10.8%	10.3%	10.3%	10.2%	10.6%	10.4%	9.8%	9.1%	8.2%	8.22%
EPS 3Y	29.2%	13.9%	15.8%	15.3%	15.0%	28.9%	40.7%	48.9%	60.3%	55.6%	35.1%	24.2%	13.8%	9.5%	6.4%	6.6%	8.8%	9.7%	12.2%	14.4%	14.43%
EPS 5Y	26.1%	26.2%	28.1%	27.4%	39.1%	39.7%	36.2%	35.1%	23.8%	13.7%	13.3%	12.9%	11.3%	18.6%	25.7%	31.2%	38.7%	35.9%	25.3%	19.8%	19.77%
Net Income 3Y	27.4%	11.7%	12.6%	11.4%	9.6%	22.2%	32.4%	39.6%	49.6%	43.6%	23.8%	13.9%	5.5%	2.1%	-0.0%	0.0%	3.0%	4.2%	6.7%	8.8%	8.82%
Net Income 5Y	25.0%	24.7%	26.0%	24.8%	35.6%	35.4%	31.5%	30.1%	18.9%	8.5%	7.6%	7.0%	5.4%	12.3%	19.1%	23.6%	30.4%	27.5%	17.2%	12.1%	12.10%
EBITDA 3Y	33.0%	30.4%	29.5%	25.9%	22.5%	22.6%	31.8%	38.9%	52.6%	44.1%	21.0%	9.0%	-0.7%	-3.6%	-5.7%	-5.5%	-4.3%	-3.0%	-0.3%	1.2%	1.16%
EBITDA 5Y	25.1%	24.9%	28.8%	27.3%	39.1%	42.0%	33.8%	32.5%	20.5%	15.3%	12.8%	11.1%	8.8%	9.9%	16.1%	20.3%	27.7%	25.2%	13.7%	7.3%	7.33%
Gross Profit 3Y	22.2%	20.5%	19.3%	16.8%	15.1%	13.8%	17.1%	19.3%	21.6%	17.4%	8.9%	3.1%	-1.2%	-1.8%	-2.1%	-1.2%	-0.6%	1.4%	2.9%	4.2%	4.16%
Gross Profit 5Y	15.6%	16.0%	16.9%	15.8%	18.6%	18.6%	16.5%	15.9%	12.3%	10.2%	9.3%	8.6%	7.7%	7.7%	10.1%	11.5%	12.9%	11.8%	7.4%	4.4%	4.39%
Op. Income 3Y	34.0%	30.9%	30.1%	26.4%	22.9%	23.2%	33.7%	41.9%	59.0%	50.6%	23.9%	10.7%	0.2%	-2.9%	-5.3%	-5.1%	-3.9%	-2.4%	0.5%	2.4%	2.44%
Op. Income 5Y	27.6%	26.8%	31.4%	29.6%	44.4%	48.5%	37.8%	36.1%	21.7%	15.8%	13.2%	11.4%	9.1%	10.3%	17.3%	22.1%	31.2%	29.1%	15.9%	9.1%	9.12%
FCF 3Y	20.5%	13.0%	14.5%	12.3%	12.7%	15.6%	15.0%	14.7%	19.7%	6.5%	3.9%	-0.8%	-3.3%	0.7%	0.1%	2.8%	1.3%	1.6%	1.3%	6.5%	6.54%
FCF 5Y	19.4%	15.4%	11.9%	9.6%	9.3%	13.1%	12.6%	7.9%	9.0%	4.9%	5.8%	7.0%	5.4%	7.7%	6.7%	11.3%	15.1%	9.3%	7.8%	2.8%	2.76%
OCF 3Y	19.1%	11.5%	13.4%	11.2%	11.6%	14.4%	13.4%	14.3%	19.3%	6.8%	4.7%	-1.2%	-3.5%	0.4%	-0.6%	2.0%	0.6%	0.8%	1.2%	5.6%	5.56%
OCF 5Y	18.8%	14.9%	11.8%	9.7%	9.4%	13.3%	12.3%	8.1%	8.8%	4.7%	5.8%	6.1%	4.5%	6.6%	5.4%	10.0%	13.8%	8.7%	7.5%	2.6%	2.64%
Assets 3Y	20.3%	19.3%	17.2%	15.9%	13.7%	13.9%	13.3%	10.8%	-0.1%	0.2%	-0.9%	-4.0%	-3.9%	-2.5%	-1.4%	-1.1%	1.6%	0.9%	0.2%	0.2%	0.15%
Assets 5Y	12.0%	11.8%	10.9%	10.4%	8.7%	8.7%	9.2%	9.1%	8.8%	9.1%	8.8%	8.5%	8.5%	8.9%	7.9%	6.0%	0.7%	0.4%	-0.3%	-2.1%	-2.08%
Equity 3Y	4.5%	0.9%	-5.3%	-10.2%	-16.8%	-15.9%	-13.9%	-14.2%	-16.3%	-13.0%	-12.7%	-12.2%	-8.2%	-7.4%	-0.0%	5.8%	14.9%	14.1%	11.9%	12.2%	12.24%
Book Value 3Y	6.0%	2.9%	-2.7%	-7.0%	-12.8%	-11.2%	-8.5%	-8.5%	-10.4%	-5.7%	-4.6%	-4.3%	-1.0%	-0.6%	6.4%	12.7%	21.4%	20.1%	17.6%	18.0%	18.03%
Dividend 3Y	9.7%	15.8%	15.4%	17.1%	19.6%	15.2%	16.1%	13.6%	11.7%	13.0%	12.2%	11.4%	9.8%	9.4%	8.9%	9.6%	9.1%	8.5%	8.2%	7.8%	7.76%

Growth Quality

Metric	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	0.82	0.92	0.97	0.95	0.94	0.98	0.97	0.96	0.94	0.95	0.96	0.97	0.97	0.97	0.98	0.98	0.97	0.97	0.96	0.97	0.972
Earnings Stability	0.46	0.45	0.59	0.61	0.62	0.59	0.67	0.66	0.54	0.50	0.57	0.55	0.44	0.63	0.72	0.70	0.65	0.62	0.65	0.73	0.728
Margin Stability	0.83	0.83	0.84	0.84	0.79	0.79	0.82	0.82	0.82	0.83	0.87	0.88	0.86	0.85	0.84	0.85	0.85	0.88	0.92	0.90	0.900
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	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.00	0.00	1.00	0.50	0.50	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	0.50	0.50	0.50	0.82	0.93	0.97	0.99	0.98	0.99	1.00	0.98	0.97	0.99	0.99	1.00	0.99	0.96	0.94	0.93	0.91	0.914
Earnings Smoothness	0.02	0.07	0.39	0.63	0.83	0.92	0.97	0.94	0.97	0.99	0.96	0.93	0.98	0.99	0.99	0.99	0.90	0.86	0.84	0.81	0.806
ROE Trend	0.04	0.07	0.10	0.13	0.16	0.14	0.09	0.06	0.05	0.02	0.02	0.01	-0.06	-0.04	-0.04	-0.04	-0.03	-0.02	-0.01	0.00	0.001
Gross Margin Trend	0.25	0.27	0.25	0.18	0.14	0.07	-0.06	-0.13	-0.18	-0.21	-0.21	-0.17	-0.15	-0.11	-0.08	-0.05	-0.03	0.00	0.02	0.04	0.036
FCF Margin Trend	0.12	0.07	0.05	0.03	0.07	0.04	0.02	-0.08	-0.12	-0.13	-0.13	-0.06	-0.07	-0.04	-0.04	0.01	0.03	0.04	0.05	0.02	0.016
Sustainable Growth Rate	9.0%	9.8%	11.6%	12.1%	12.6%	12.7%	12.5%	13.1%	15.5%	14.4%	14.2%	14.5%	13.3%	12.2%	11.9%	11.7%	12.2%	12.6%	12.7%	13.2%	13.24%
Internal Growth Rate	1.0%	1.1%	1.2%	1.1%	1.1%	1.1%	1.0%	1.0%	1.1%	1.1%	1.1%	1.1%	1.1%	1.0%	1.0%	1.0%	1.2%	1.2%	1.3%	1.3%	1.34%

Cash Flow Quality

Metric	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	1.67	1.42	1.33	1.29	1.41	1.44	1.50	1.34	1.31	1.20	1.20	1.24	1.28	1.35	1.30	1.36	1.31	1.31	1.28	1.22	1.223
FCF/OCF	0.96	0.97	0.96	0.96	0.96	0.95	0.97	0.94	0.94	0.94	0.93	0.97	0.97	0.98	0.98	0.98	0.98	0.98	0.97	0.96	0.962
FCF/Net Income	snapshot only																				1.177
OCF/EBITDA	snapshot only																				0.986
CapEx/Revenue	1.7%	1.5%	1.9%	1.9%	1.9%	2.1%	1.5%	2.4%	2.3%	2.0%	2.2%	1.0%	0.9%	0.8%	0.6%	0.7%	0.7%	0.9%	1.2%	1.4%	1.35%
CapEx/Depreciation	snapshot only																				1.243
Accruals Ratio	-0.01	-0.01	-0.01	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.01	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.004
Sloan Accruals	snapshot only																				0.793
Cash Flow Adequacy	snapshot only																				3.332
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	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	2.5%	2.8%	3.1%	3.6%	3.8%	4.2%	5.0%	4.8%	4.4%	3.8%	3.6%	3.5%	3.1%	3.6%	3.5%	3.4%	3.3%	3.5%	3.5%	3.0%	2.88%
Dividend/Share	$0.28	$0.33	$0.36	$0.41	$0.46	$0.48	$0.51	$0.53	$0.55	$0.58	$0.60	$0.62	$0.62	$0.64	$0.65	$0.69	$0.71	$0.73	$0.76	$0.78	$0.78
Payout Ratio	22.6%	24.0%	23.6%	25.8%	28.3%	28.8%	31.8%	33.1%	33.0%	32.9%	33.1%	32.8%	34.2%	35.3%	35.8%	36.2%	34.1%	33.5%	33.2%	32.1%	32.09%
FCF Payout Ratio	14.0%	17.5%	18.5%	21.0%	20.9%	20.9%	21.9%	26.4%	26.9%	29.3%	29.7%	27.3%	27.5%	26.8%	28.0%	27.1%	26.4%	26.3%	26.7%	27.3%	27.27%
Total Payout Ratio	81.7%	1.1%	1.2%	1.2%	1.4%	1.2%	1.3%	94.7%	92.8%	1.0%	99.3%	1.1%	93.2%	69.6%	60.6%	54.0%	65.2%	78.1%	84.6%	87.1%	87.14%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.29	0.49	0.45	0.48	0.52	0.34	0.36	0.26	0.18	0.17	0.12	0.10	0.09	0.09	0.11	0.12	0.13	0.13	0.13	0.11	0.106
Buyback Yield	6.5%	10.3%	13.2%	13.7%	14.3%	13.2%	14.9%	8.9%	8.1%	7.7%	7.3%	8.7%	5.3%	3.4%	2.4%	1.6%	3.0%	4.7%	5.5%	5.1%	5.10%
Net Buyback Yield	6.5%	10.3%	13.2%	13.7%	14.3%	13.2%	14.9%	8.9%	8.1%	7.7%	7.3%	8.7%	5.3%	3.4%	2.4%	1.6%	3.0%	4.7%	5.5%	5.1%	5.10%
Total Shareholder Return	8.9%	13.1%	16.4%	17.2%	18.1%	17.4%	19.9%	13.7%	12.5%	11.5%	10.9%	12.3%	8.4%	7.0%	5.9%	5.0%	6.2%	8.2%	9.0%	8.1%	8.08%

DuPont Factors

Metric	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)	0.68	0.66	0.65	0.66	0.67	0.68	0.69	0.69	0.71	0.76	0.78	0.79	0.80	0.76	0.77	0.78	0.82	0.83	0.83	0.83	0.832
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	0.43	0.48	0.52	0.51	0.49	0.47	0.42	0.40	0.38	0.35	0.34	0.34	0.32	0.33	0.33	0.33	0.34	0.34	0.35	0.35	0.353
Asset Turnover	0.04	0.05	0.05	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.066
Equity Multiplier	9.02	9.04	9.83	10.87	11.46	11.50	12.21	13.09	14.42	13.30	13.12	13.16	12.47	12.06	11.66	11.32	10.55	10.57	10.19	9.98	9.978

Per Share

Metric	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)	$1.24	$1.37	$1.52	$1.57	$1.62	$1.65	$1.62	$1.61	$1.68	$1.77	$1.82	$1.88	$1.83	$1.80	$1.83	$1.90	$2.09	$2.18	$2.28	$2.42	$2.42
Book Value/Share	$10.58	$10.27	$8.93	$7.97	$6.72	$7.17	$7.76	$7.80	$7.36	$8.74	$8.82	$9.01	$10.27	$10.08	$10.75	$11.43	$12.02	$12.42	$12.60	$12.82	$12.88
Tangible Book/Share	$10.23	$9.93	$8.59	$7.65	$6.39	$6.85	$7.44	$7.49	$7.06	$8.44	$8.52	$8.72	$9.99	$9.81	$10.48	$11.16	$11.76	$12.15	$12.33	$12.55	$12.55
Revenue/Share	$4.28	$4.35	$4.49	$4.66	$4.94	$5.16	$5.53	$5.83	$6.17	$6.56	$6.86	$7.06	$7.10	$7.21	$7.26	$7.46	$7.57	$7.80	$7.98	$8.22	$8.26
FCF/Share	$2.00	$1.89	$1.93	$1.93	$2.19	$2.27	$2.35	$2.02	$2.06	$1.99	$2.03	$2.26	$2.27	$2.38	$2.34	$2.54	$2.69	$2.78	$2.84	$2.84	$2.86
OCF/Share	$2.07	$1.95	$2.01	$2.02	$2.29	$2.38	$2.43	$2.16	$2.20	$2.12	$2.18	$2.33	$2.34	$2.44	$2.38	$2.59	$2.75	$2.85	$2.93	$2.96	$2.97
Cash/Share	$43.42	$42.38	$39.69	$36.56	$31.96	$32.45	$34.39	$35.70	$32.55	$34.39	$34.16	$33.49	$33.71	$34.58	$14.19	$12.20	$31.38	$4.15	$3.52	$3.63	$3.65
EBITDA/Share	$2.00	$2.27	$2.50	$2.54	$2.59	$2.59	$2.51	$2.49	$2.53	$2.48	$2.50	$2.54	$2.45	$2.51	$2.53	$2.59	$2.68	$2.76	$2.88	$3.00	$3.00
Debt/Share	$3.87	$3.34	$2.93	$2.99	$2.04	$5.05	$7.07	$4.10	$3.74	$3.86	$3.94	$4.00	$3.70	$3.39	$2.00	$1.98	$1.82	$2.30	$1.86	$1.30	$1.30
Net Debt/Share	$-39.55	$-39.04	$-36.77	$-33.57	$-29.92	$-27.40	$-27.31	$-31.60	$-28.81	$-30.53	$-30.21	$-29.49	$-30.01	$-31.19	$-12.19	$-10.22	$-29.56	$-1.85	$-1.66	$-2.33	$-2.33

Academic Models

Metric	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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.986
Altman Z-Prime	snapshot only																				1.021
Piotroski F-Score	9	9	9	7	7	6	5	5	5	7	7	7	7	7	6	7	8	9	9	8	8
Beneish M-Score	-2.90	-2.71	-2.60	-2.40	-2.38	-2.21	-2.20	-2.25	-2.26	-2.30	-2.29	-2.37	-2.48	-2.54	-2.50	-2.48	-2.50	-2.42	-2.48	-2.53	-2.532
Ohlson O-Score	snapshot only																				-5.739
ROIC (Greenblatt)	snapshot only																				59.03%
Net-Net WC	snapshot only																				$-107.90
EVA	snapshot only																				$210838300.00

Credit

Metric	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	92.27	93.49	95.08	89.74	91.28	85.97	85.49	86.22	90.47	90.39	90.35	90.22	92.36	92.36	85.45	85.11	92.48	86.79	86.71	86.47	86.468
Credit Grade	snapshot only																				3
Credit Trend	snapshot only																				1.354
Implied Spread (bps)	snapshot only																				80.000
Industry Credit Rank	snapshot only																				90
Sector Credit Rank	snapshot only																				80

FBP NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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