Also trades as: FCCT (OTC) · $vol 0M

$32.67

+0.20 (+0.62%)

Weekly Expected Move ±2.4%

$31 $32 $33 $33 $34

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 52 · $307.0M mcap · 8M float · 0.972% daily turnover · Short 47% 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

50.9 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 7.5% · 5Y Avg: 7.6%

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. FCCO shows a Weak competitive edge (50.9/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 7.5% 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

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2025-01-23	Raymond James	Strong Buy	$21	$30	+9	+22.1%	$24.57
2024-01-24	Raymond James	Steve Moss	Initiated	$21	—	+13.8%	$18.46

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

Rating Change History

Date	From	To
2026-10-01	B	A-
2026-08-12	B+	B
2026-08-03	B-	B+
2026-07-25	B+	B-
2026-07-01	B	B+
2026-05-19	C+	B
2026-04-30	B-	C+
2026-04-23	A-	B-
2026-04-14	A	A-
2026-04-02	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.

★ ★ ★ ★ ★ 40 Grade B

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. FCCO scores highest in Earnings Quality (73/100) and lowest in Cash Flow (24/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

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

Altman-B Score

1.78

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✗ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-2.24

Unlikely Manipulator

Ohlson O-Score

-4.46

Bankruptcy prob: 1.1%

Low Risk

Credit Rating

BB+

Score: 45.8/100

Trend: Deteriorating

Earnings Quality

25/100

OCF/NI: 0.34x

Accruals: 0.7%

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. FCCO scores 1.78, 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. FCCO scores 6/9, 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. FCCO's score of -2.24 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. FCCO's implied 1.1% 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. FCCO receives an estimated rating of BB+ (score: 45.8/100), with a deteriorating 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). FCCO's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

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

12.01x

PEG

0.59x

P/S

2.55x

P/B

1.34x

P/FCF

44.99x

P/OCF

39.18x

EV/EBITDA

13.18x

EV/Revenue

3.29x

EV/EBIT

13.66x

EV/FCF

57.43x

Earnings Yield

7.44%

FCF Yield

2.22%

Shareholder Yield

1.85%

Graham Number

$36.23

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 12.0x earnings, FCCO trades at a reasonable valuation. An earnings yield of 7.4% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $36.23 per share, suggesting a potential 11% 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

0.806

NI / EBT

Interest Burden

0.987

EBT / EBIT

EBIT Margin

0.241

EBIT / Rev

Asset Turnover

0.054

Rev / Assets

Equity Multiplier

11.522

Assets / Equity

ROE

12.1%

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. FCCO's ROE of 12.1% is driven by financial leverage (equity multiplier: 11.52x). 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

7.99%

Fair P/E

24.48x

Intrinsic Value

$59.53

Price/Value

0.55x

Margin of Safety

45.10%

Premium

-45.10%

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 FCCO's realized 8.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. FCCO trades at a -45% premium to its adjusted intrinsic value of $59.53, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 24.5x compares to the current market P/E of 12.0x.

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

$32.67

Median 1Y

$34.47

5th Pctile

$20.87

95th Pctile

$56.95

Ann. Volatility

30.8%

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
Michael C. Crapps, President & CEO	$247,636	$—	$310,607
Joseph G. Sawyer Senior Vice President Chief Financial Officer	$138,833	$—	$193,528
David K. Proctor Senior Vice President, Senior Credit Officer	$126,500	$—	$160,884

CEO Pay Ratio

2:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $310,607

Avg Employee Cost (SGA/emp): $138,727

Employees: 260

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

260

0.0% YoY

Revenue / Employee

$427,150

Rev: $111,059,000

Profit / Employee

$73,865

NI: $19,205,000

SGA / Employee

$138,727

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	11.0%	11.2%	12.2%	12.0%	11.4%	11.3%	11.7%	12.2%	10.6%	9.5%	8.5%	8.4%	9.8%	10.1%	10.8%	11.8%	12.2%	12.3%	11.2%	12.1%	12.06%
ROA	1.0%	1.0%	1.0%	1.0%	0.9%	0.9%	0.9%	0.9%	0.7%	0.7%	0.6%	0.6%	0.7%	0.7%	0.8%	0.9%	0.9%	1.0%	0.9%	1.0%	1.05%
ROIC	-4.0%	-3.7%	-3.4%	-6.5%	-8.5%	-15.8%	-12.2%	-19.6%	-14.2%	-15.9%	-8.8%	-9.3%	-8.2%	13.0%	-8.1%	6.2%	28.4%	-75.2%	6.9%	7.5%	7.46%
ROCE	11.4%	11.6%	12.9%	13.4%	12.8%	12.5%	7.8%	7.6%	6.8%	9.2%	6.1%	6.2%	7.2%	9.9%	10.7%	1.5%	16.7%	1.7%	1.5%	1.3%	1.28%
Gross Margin	96.5%	96.3%	97.5%	97.1%	96.2%	87.7%	79.3%	71.3%	63.1%	60.5%	60.0%	60.2%	61.9%	62.7%	64.5%	69.7%	67.2%	70.6%	66.7%	71.0%	71.01%
Operating Margin	37.2%	42.6%	31.9%	29.0%	33.4%	36.9%	25.5%	22.0%	11.5%	18.9%	14.3%	16.6%	19.6%	21.3%	20.1%	23.6%	23.7%	23.2%	20.0%	28.8%	28.81%
Net Margin	29.1%	33.6%	26.0%	23.0%	26.2%	28.9%	19.9%	17.2%	9.1%	15.0%	11.2%	13.4%	15.1%	16.7%	15.5%	18.3%	18.7%	16.5%	18.5%	22.5%	22.47%
EBITDA Margin	40.1%	46.7%	35.5%	32.3%	36.4%	40.0%	28.1%	24.5%	14.1%	21.0%	16.3%	18.6%	21.4%	23.1%	21.9%	54.9%	25.4%	23.4%	21.8%	28.8%	28.81%
FCF Margin	89.8%	100.0%	52.6%	44.3%	38.7%	37.3%	43.5%	19.0%	9.3%	14.3%	14.4%	16.8%	23.4%	9.9%	11.5%	11.2%	10.0%	15.8%	7.7%	5.7%	5.73%
OCF Margin	91.2%	1.0%	54.0%	45.8%	40.5%	39.5%	46.2%	21.5%	11.5%	15.7%	15.4%	17.9%	24.4%	11.0%	12.5%	12.1%	10.8%	16.8%	8.6%	6.6%	6.58%
ROE 3Y Avg	snapshot only																				9.75%
ROE 5Y Avg	snapshot only																				10.83%
ROA 3Y Avg	snapshot only																				0.80%
ROIC 3Y Avg	snapshot only																				5.93%
ROIC Economic	snapshot only																				6.90%
Cash ROA	snapshot only																				0.33%
Cash ROIC	snapshot only																				2.53%
CROIC	snapshot only																				2.20%
NOPAT Margin	snapshot only																				19.45%
Pretax Margin	snapshot only																				23.81%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				32.73%
SBC / Revenue	snapshot only																				0.35%

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	8.90	9.16	9.25	8.66	8.40	10.51	9.72	8.39	9.87	13.19	11.64	11.71	12.32	12.98	11.20	10.85	11.74	12.02	13.19	13.44	12.011
P/S Ratio	2.31	2.48	2.58	2.41	2.27	2.74	2.36	1.89	1.78	2.00	1.52	1.44	1.69	1.84	1.70	1.79	2.04	2.08	2.38	2.58	2.550
P/B Ratio	0.96	1.00	1.16	1.13	1.07	1.30	1.15	1.00	1.01	1.19	0.96	0.94	1.12	1.25	1.15	1.21	1.35	1.38	1.24	1.36	1.342
P/FCF	2.57	2.48	4.91	5.43	5.85	7.35	5.43	9.94	19.06	14.01	10.57	8.54	7.20	18.53	14.84	15.93	20.37	13.13	30.85	44.99	44.988
P/OCF	2.53	2.44	4.78	5.25	5.59	6.94	5.11	8.79	15.40	12.78	9.87	8.02	6.92	16.66	13.64	14.81	18.89	12.35	27.70	39.18	39.178
EV/EBITDA	-18.23	-19.48	-20.64	-10.37	-8.12	-2.82	-5.00	-3.65	-4.92	-2.92	-8.20	-8.06	-7.73	7.35	-7.79	9.48	3.59	1.07	9.89	13.18	13.179
EV/Revenue	-6.62	-7.35	-7.96	-3.99	-3.04	-1.02	-1.70	-1.15	-1.26	-0.63	-1.55	-1.42	-1.50	1.47	-1.66	2.94	1.14	0.34	3.09	3.29	3.293
EV/EBIT	-20.07	-21.38	-22.62	-11.39	-8.96	-3.10	-5.49	-4.01	-5.49	-3.29	-9.32	-9.18	-8.61	8.12	-8.53	9.92	3.74	1.10	10.19	13.66	13.655
EV/FCF	-7.37	-7.36	-15.14	-9.00	-7.85	-2.73	-3.90	-6.06	-13.52	-4.43	-10.75	-8.43	-6.39	14.76	-14.45	26.22	11.41	2.13	40.10	57.43	57.431
Earnings Yield	11.2%	10.9%	10.8%	11.5%	11.9%	9.5%	10.3%	11.9%	10.1%	7.6%	8.6%	8.5%	8.1%	7.7%	8.9%	9.2%	8.5%	8.3%	7.6%	7.4%	7.44%
FCF Yield	38.9%	40.3%	20.4%	18.4%	17.1%	13.6%	18.4%	10.1%	5.2%	7.1%	9.5%	11.7%	13.9%	5.4%	6.7%	6.3%	4.9%	7.6%	3.2%	2.2%	2.22%
PEG Ratio	snapshot only																				0.590
Price/Tangible Book	snapshot only																				1.585
EV/OCF	snapshot only																				50.013
EV/Gross Profit	snapshot only																				4.775
Acquirers Multiple	snapshot only																				13.655
Shareholder Yield	snapshot only																				1.85%
Graham Number	snapshot only																				$36.23

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	0.43	0.45	0.45	0.29	0.25	0.24	0.28	0.26	0.24	0.23	0.25	0.23	0.26	0.09	0.26	—	0.11	0.28	0.35	0.29	0.290
Quick Ratio	0.43	0.45	0.45	0.29	0.25	0.24	0.28	0.26	0.24	0.23	0.25	0.23	0.26	0.09	0.26	—	0.11	0.28	0.35	0.29	0.290
Debt/Equity	0.56	0.51	0.69	0.76	0.80	1.34	1.46	1.50	1.34	1.31	1.20	0.94	0.96	0.84	0.98	0.78	0.72	0.74	0.53	0.50	0.500
Net Debt/Equity	-3.71	-3.98	-4.73	-2.99	-2.50	-1.78	-1.97	-1.61	-1.72	-1.57	-1.93	-1.86	-2.11	-0.26	-2.26	0.78	-0.59	-1.15	0.37	0.38	0.377
Debt/Assets	0.05	0.05	0.05	0.05	0.06	0.09	0.10	0.11	0.09	0.09	0.08	0.07	0.07	0.06	0.07	0.06	0.06	0.06	0.05	0.05	0.048
Debt/EBITDA	3.71	3.34	3.96	4.25	4.56	7.84	8.87	8.97	9.25	10.11	10.10	8.15	7.51	6.15	6.86	3.72	3.43	3.55	3.27	3.79	3.788
Net Debt/EBITDA	-24.58	-26.05	-27.33	-16.64	-14.18	-10.42	-11.97	-9.65	-11.86	-12.14	-16.26	-16.23	-16.45	-1.88	-15.80	3.72	-2.81	-5.51	2.28	2.86	2.855
Interest Coverage	7.65	8.77	9.64	9.92	9.23	5.80	2.97	1.69	0.93	0.63	0.47	0.41	0.45	0.48	0.53	0.85	0.92	0.97	0.97	0.79	0.788
Equity Multiplier	11.22	11.24	13.18	14.33	14.47	14.13	14.04	14.02	14.51	13.95	14.14	13.84	13.56	13.55	13.60	13.16	12.79	12.29	10.83	10.41	10.406
Cash Ratio	snapshot only																				0.290
Debt Service Coverage	snapshot only																				0.817
Cash to Debt	snapshot only																				0.246
FCF to Debt	snapshot only																				0.061
Defensive Interval	snapshot only																				189.5 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	0.04	0.04	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.05	0.05	0.054
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	35.56	—	—	—
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	10	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	10	0	0	—
Cash Velocity	snapshot only																				4.293
Capital Intensity	snapshot only																				19.704

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	7.6%	5.0%	1.8%	-2.0%	-6.9%	-1.9%	6.8%	19.5%	30.1%	39.1%	39.7%	35.2%	36.0%	26.3%	20.4%	18.2%	12.7%	12.8%	13.9%	14.7%	14.69%
Net Income	60.1%	53.1%	35.8%	18.6%	-3.3%	-5.5%	-7.1%	-3.3%	-13.1%	-19.0%	-24.7%	-26.2%	3.4%	17.8%	39.9%	58.3%	42.9%	37.6%	34.8%	33.8%	33.80%
EPS	58.5%	51.9%	34.5%	17.5%	-4.0%	-6.2%	-7.7%	-3.9%	-13.6%	-19.4%	-25.1%	-26.6%	2.5%	16.6%	38.3%	56.4%	41.7%	36.8%	12.1%	9.6%	9.62%
FCF	4.5%	4.1%	4.7%	-31.1%	-59.9%	-63.4%	-11.6%	-48.8%	-68.7%	-46.6%	-53.7%	19.9%	2.4%	-12.4%	-4.2%	-21.3%	-51.9%	79.9%	-23.6%	-41.3%	-41.34%
EBITDA	50.9%	47.8%	31.5%	16.3%	-4.2%	-6.2%	-6.1%	-2.2%	-10.8%	-16.2%	-22.1%	-24.4%	2.8%	15.9%	35.5%	1.1%	85.4%	78.7%	67.2%	-7.6%	-7.55%
Op. Income	63.4%	56.0%	36.3%	18.7%	-4.3%	-6.3%	-6.2%	-2.0%	-11.9%	-18.3%	-24.9%	-27.2%	2.9%	18.2%	40.8%	62.2%	44.4%	42.0%	32.4%	30.4%	30.39%
OCF Growth	snapshot only																				-37.40%
Asset Growth	snapshot only																				15.94%
Equity Growth	snapshot only																				46.61%
Debt Growth	snapshot only																				-5.92%
Shares Change	snapshot only																				22.06%
Dividend Growth	snapshot only																				-2.60%

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	6.9%	5.9%	4.7%	3.2%	1.7%	2.7%	4.5%	7.6%	9.2%	12.7%	14.9%	16.5%	18.1%	19.9%	21.5%	24.1%	25.9%	25.6%	24.2%	22.4%	22.37%
Revenue 5Y	8.9%	8.5%	7.9%	6.9%	6.2%	6.6%	6.9%	7.9%	8.1%	10.1%	11.4%	12.2%	13.2%	13.7%	13.9%	14.7%	14.8%	15.3%	15.8%	16.5%	16.49%
EPS 3Y	19.2%	12.1%	13.2%	12.4%	9.0%	9.3%	11.5%	14.5%	9.5%	4.7%	-2.4%	-6.0%	-5.3%	-4.1%	-1.5%	3.4%	7.9%	8.7%	5.1%	8.0%	7.99%
EPS 5Y	15.6%	15.8%	15.1%	14.7%	12.8%	19.9%	16.8%	13.0%	7.0%	1.3%	0.0%	0.1%	2.8%	4.2%	7.5%	11.5%	13.8%	12.9%	7.6%	7.3%	7.30%
Net Income 3Y	18.3%	11.3%	12.5%	11.9%	9.8%	10.0%	12.4%	15.5%	10.4%	5.5%	-1.7%	-5.4%	-4.6%	-3.4%	-0.7%	4.2%	8.7%	9.5%	12.4%	16.1%	16.06%
Net Income 5Y	18.2%	18.3%	17.6%	17.3%	15.3%	20.2%	16.6%	12.8%	6.8%	1.1%	-0.1%	0.0%	3.5%	4.9%	8.4%	12.5%	14.7%	13.7%	12.4%	12.4%	12.40%
EBITDA 3Y	12.6%	10.4%	11.3%	10.5%	8.5%	8.2%	10.6%	13.2%	8.8%	5.1%	-1.3%	-4.9%	-4.2%	-3.1%	-0.3%	15.5%	19.3%	20.1%	20.8%	13.3%	13.30%
EBITDA 5Y	15.0%	15.5%	15.0%	14.7%	12.8%	13.1%	10.8%	8.7%	4.0%	1.1%	0.1%	-0.0%	3.2%	4.2%	7.4%	17.9%	19.7%	19.2%	16.8%	10.6%	10.60%
Gross Profit 3Y	8.0%	7.6%	7.0%	6.1%	4.7%	4.9%	5.5%	6.2%	4.3%	4.1%	2.5%	1.5%	1.9%	3.4%	5.1%	8.5%	10.9%	12.6%	13.6%	15.2%	15.24%
Gross Profit 5Y	10.1%	9.9%	9.3%	8.1%	7.4%	7.2%	6.4%	5.6%	3.7%	3.9%	3.8%	3.9%	4.9%	5.6%	6.6%	8.5%	9.1%	10.0%	9.8%	10.0%	9.95%
Op. Income 3Y	14.6%	12.2%	13.1%	12.0%	9.7%	10.0%	12.7%	16.1%	11.3%	6.1%	-1.3%	-5.4%	-4.6%	-3.3%	-0.3%	5.0%	9.4%	11.1%	11.9%	15.5%	15.46%
Op. Income 5Y	16.7%	17.3%	16.8%	16.5%	14.5%	15.0%	12.5%	10.1%	4.9%	1.6%	0.4%	0.0%	3.7%	5.1%	8.7%	13.1%	15.4%	14.9%	12.4%	12.3%	12.35%
FCF 3Y	45.6%	45.1%	27.7%	57.6%	42.9%	1.1%	49.3%	—	—	—	32.4%	-24.9%	-24.5%	-44.5%	-26.8%	-21.5%	-19.8%	-5.6%	-30.3%	-17.9%	-17.90%
FCF 5Y	37.8%	71.1%	26.2%	13.9%	23.3%	6.5%	24.2%	-0.6%	-17.2%	-9.8%	-3.2%	19.2%	25.6%	34.8%	8.1%	—	—	—	11.2%	-27.9%	-27.87%
OCF 3Y	43.9%	42.2%	22.1%	39.3%	27.6%	64.3%	42.0%	—	—	—	27.7%	-23.9%	-23.9%	-42.7%	-25.4%	-20.5%	-19.0%	-5.5%	-29.1%	-17.5%	-17.49%
OCF 5Y	35.3%	62.4%	21.9%	11.5%	16.4%	3.8%	21.0%	-0.9%	-14.5%	-9.5%	-4.9%	11.3%	17.2%	16.8%	5.4%	—	—	—	9.7%	-26.2%	-26.19%
Assets 3Y	12.7%	13.2%	14.6%	14.7%	13.5%	12.6%	13.6%	9.5%	9.1%	9.4%	8.1%	7.6%	7.6%	7.3%	7.3%	6.7%	7.8%	7.2%	11.3%	10.9%	10.87%
Assets 5Y	11.3%	11.6%	12.5%	13.0%	12.6%	9.7%	10.1%	9.8%	10.5%	10.9%	11.5%	11.1%	11.5%	10.8%	11.5%	9.1%	8.4%	8.1%	9.9%	9.4%	9.38%
Equity 3Y	8.7%	7.8%	2.5%	0.0%	-1.3%	-0.5%	-0.3%	-1.7%	-2.5%	-1.3%	0.2%	-0.4%	1.0%	0.8%	6.1%	9.8%	12.3%	12.3%	21.3%	22.5%	22.46%
Book Value 3Y	9.5%	8.6%	3.1%	0.5%	-1.9%	-1.2%	-1.0%	-2.5%	-3.2%	-2.0%	-0.5%	-1.1%	0.3%	0.1%	5.4%	8.9%	11.4%	11.5%	13.5%	13.9%	13.94%
Dividend 3Y	1.8%	0.9%	1.5%	2.0%	1.6%	2.2%	2.0%	1.9%	1.9%	2.0%	1.3%	0.7%	0.7%	0.6%	1.2%	1.8%	1.7%	1.7%	-2.5%	-1.4%	-1.44%

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	0.99	0.97	0.94	0.88	0.77	0.86	0.95	0.88	0.71	0.69	0.70	0.71	0.68	0.74	0.79	0.83	0.83	0.87	0.91	0.94	0.938
Earnings Stability	0.79	0.75	0.86	0.90	0.81	0.74	0.83	0.86	0.51	0.23	0.16	0.18	0.24	0.23	0.25	0.35	0.45	0.42	0.39	0.45	0.454
Margin Stability	0.96	0.96	0.96	0.96	0.95	0.96	0.96	0.94	0.90	0.87	0.85	0.83	0.82	0.81	0.80	0.81	0.81	0.81	0.82	0.82	0.823
Rev. Growth Consistency	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	1.00	1.00	0.00	0.00	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	1.000
FCF Positive Streak	0	0	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	0.86	0.93	0.99	0.98	0.97	0.99	0.95	0.92	0.90	0.90	0.99	0.93	0.84	0.50	0.83	0.85	0.86	0.86	0.865
Earnings Smoothness	0.54	0.58	0.70	0.83	0.97	0.94	0.93	0.97	0.86	0.79	0.72	0.70	0.97	0.84	0.67	0.55	0.65	0.68	0.70	0.71	0.711
ROE Trend	0.03	0.03	0.04	0.05	0.04	0.03	0.01	0.01	-0.02	-0.03	-0.04	-0.04	-0.02	-0.01	0.00	0.01	0.02	0.02	0.00	0.01	0.006
Gross Margin Trend	0.07	0.08	0.08	0.08	0.07	0.04	-0.03	-0.12	-0.21	-0.27	-0.29	-0.29	-0.25	-0.20	-0.14	-0.07	-0.01	0.03	0.06	0.06	0.061
FCF Margin Trend	0.97	1.15	0.40	0.17	0.08	0.04	0.12	-0.35	-0.55	-0.54	-0.34	-0.15	-0.01	-0.16	-0.17	-0.07	-0.06	0.04	-0.05	-0.08	-0.083
Sustainable Growth Rate	8.4%	8.6%	9.3%	9.0%	8.4%	8.3%	8.5%	8.9%	7.1%	6.1%	5.2%	5.1%	6.5%	6.9%	7.7%	8.7%	9.1%	9.3%	8.4%	9.2%	9.21%
Internal Growth Rate	0.8%	0.8%	0.8%	0.7%	0.7%	0.7%	0.6%	0.6%	0.5%	0.4%	0.4%	0.4%	0.5%	0.5%	0.6%	0.7%	0.7%	0.7%	0.7%	0.8%	0.81%

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	3.52	3.75	1.93	1.65	1.50	1.51	1.90	0.95	0.64	1.03	1.18	1.46	1.78	0.78	0.82	0.73	0.62	0.97	0.48	0.34	0.343
FCF/OCF	0.98	0.99	0.97	0.97	0.96	0.94	0.94	0.88	0.81	0.91	0.93	0.94	0.96	0.90	0.92	0.93	0.93	0.94	0.90	0.87	0.871
FCF/Net Income	snapshot only																				0.299
OCF/EBITDA	snapshot only																				0.264
CapEx/Revenue	1.4%	1.4%	1.4%	1.5%	1.8%	2.2%	2.7%	2.5%	2.2%	1.4%	1.0%	1.1%	1.0%	1.1%	1.0%	0.9%	0.8%	1.0%	0.9%	0.9%	0.85%
CapEx/Depreciation	snapshot only																				0.977
Accruals Ratio	-0.03	-0.03	-0.01	-0.01	-0.00	-0.00	-0.01	0.00	0.00	-0.00	-0.00	-0.00	-0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.007
Sloan Accruals	snapshot only																				-0.031
Cash Flow Adequacy	snapshot only																				1.225
Earnings Quality Score	snapshot only																				0.250

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	2.7%	2.5%	2.5%	2.8%	3.1%	2.5%	2.8%	3.3%	3.3%	2.7%	3.3%	3.3%	2.7%	2.4%	2.6%	2.4%	2.1%	2.1%	1.9%	1.8%	1.99%
Dividend/Share	$0.47	$0.47	$0.48	$0.49	$0.50	$0.51	$0.52	$0.53	$0.54	$0.55	$0.55	$0.55	$0.56	$0.57	$0.58	$0.59	$0.60	$0.61	$0.55	$0.57	$0.65
Payout Ratio	23.9%	23.2%	23.4%	24.6%	26.5%	26.8%	27.4%	27.6%	33.0%	35.8%	38.6%	38.9%	33.3%	31.6%	29.3%	26.5%	25.1%	24.7%	24.6%	23.6%	23.56%
FCF Payout Ratio	6.9%	6.3%	12.4%	15.4%	18.4%	18.7%	15.3%	32.6%	63.7%	38.0%	35.1%	28.4%	19.4%	45.2%	38.8%	38.9%	43.5%	27.0%	57.6%	78.9%	78.90%
Total Payout Ratio	24.4%	23.7%	23.7%	24.8%	26.8%	27.1%	28.1%	28.3%	33.9%	36.8%	39.7%	40.0%	34.2%	33.2%	32.3%	29.1%	25.7%	24.7%	26.0%	24.8%	24.83%
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	0.06	0.03	0.05	0.08	0.10	0.11	0.12	0.12	0.12	0.11	0.10	0.08	0.07	0.07	0.09	0.10	0.10	0.10	0.15	0.21	0.206
Buyback Yield	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.3%	0.2%	0.1%	0.0%	0.1%	0.1%	0.09%
Net Buyback Yield	-0.3%	-0.2%	-0.2%	-0.2%	-0.3%	-0.2%	-0.2%	-0.2%	-0.3%	-0.2%	-0.2%	-0.2%	-0.2%	-0.1%	0.0%	0.0%	-0.1%	-0.2%	-0.0%	-0.0%	-0.03%
Total Shareholder Return	2.4%	2.3%	2.3%	2.6%	2.9%	2.3%	2.6%	3.0%	3.1%	2.5%	3.1%	3.1%	2.5%	2.3%	2.6%	2.5%	2.0%	1.9%	1.8%	1.7%	1.73%

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)	0.79	0.79	0.79	0.79	0.80	0.79	0.79	0.78	0.78	0.79	0.79	0.79	0.79	0.79	0.78	0.78	0.78	0.77	0.81	0.81	0.806
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	0.72	0.73	0.73	0.74	0.99	0.987
EBIT Margin	0.33	0.34	0.35	0.35	0.34	0.33	0.31	0.29	0.23	0.19	0.17	0.15	0.17	0.18	0.19	0.30	0.31	0.31	0.30	0.24	0.241
Asset Turnover	0.04	0.04	0.04	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.05	0.05	0.054
Equity Multiplier	10.80	10.74	12.19	12.52	12.68	12.56	13.61	14.17	14.49	14.04	14.09	13.93	14.00	13.74	13.85	13.48	13.15	12.87	11.95	11.52	11.522

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)	$1.98	$2.04	$2.07	$2.01	$1.90	$1.92	$1.91	$1.93	$1.64	$1.55	$1.43	$1.42	$1.69	$1.80	$1.98	$2.22	$2.39	$2.47	$2.22	$2.43	$2.43
Book Value/Share	$18.41	$18.64	$16.51	$15.46	$15.00	$15.53	$16.17	$16.22	$16.15	$17.11	$17.38	$17.70	$18.56	$18.67	$19.30	$19.97	$20.75	$21.52	$23.63	$23.99	$24.34
Tangible Book/Share	$16.35	$16.58	$14.47	$13.42	$12.97	$13.51	$14.16	$14.22	$14.15	$15.12	$15.40	$15.73	$16.60	$16.72	$17.37	$18.04	$18.83	$19.60	$20.19	$20.61	$20.61
Revenue/Share	$7.64	$7.55	$7.40	$7.23	$7.06	$7.36	$7.85	$8.58	$9.13	$10.18	$10.91	$11.55	$12.32	$12.72	$12.99	$13.48	$13.77	$14.26	$12.30	$12.67	$12.85
FCF/Share	$6.86	$7.55	$3.89	$3.20	$2.73	$2.74	$3.42	$1.63	$0.85	$1.46	$1.57	$1.94	$2.89	$1.26	$1.49	$1.51	$1.38	$2.26	$0.95	$0.73	$0.74
OCF/Share	$6.97	$7.66	$4.00	$3.31	$2.86	$2.90	$3.62	$1.84	$1.05	$1.60	$1.69	$2.07	$3.00	$1.40	$1.62	$1.63	$1.48	$2.40	$1.06	$0.83	$0.85
Cash/Share	$78.51	$83.79	$89.35	$58.06	$49.50	$48.46	$55.49	$50.32	$49.38	$49.22	$54.42	$49.57	$57.11	$20.37	$62.67	$0.00	$27.36	$40.84	$3.79	$2.95	$2.99
EBITDA/Share	$2.77	$2.85	$2.86	$2.78	$2.64	$2.66	$2.66	$2.70	$2.34	$2.21	$2.06	$2.03	$2.38	$2.54	$2.77	$4.18	$4.38	$4.51	$3.84	$3.17	$3.17
Debt/Share	$10.29	$9.53	$11.31	$11.81	$12.05	$20.81	$23.62	$24.25	$21.64	$22.36	$20.85	$16.57	$17.90	$15.60	$18.97	$15.55	$15.03	$15.99	$12.56	$11.99	$11.99
Net Debt/Share	$-68.21	$-74.25	$-78.04	$-46.25	$-37.45	$-27.66	$-31.87	$-26.08	$-27.74	$-26.85	$-33.57	$-32.99	$-39.21	$-4.77	$-43.70	$15.55	$-12.33	$-24.84	$8.77	$9.04	$9.04

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.784
Altman Z-Prime	snapshot only																				0.169
Piotroski F-Score	7	6	7	5	3	3	4	3	3	5	5	5	6	6	7	6	6	7	7	6	6
Beneish M-Score	-2.54	-2.69	-2.60	-2.49	-2.44	-2.10	-1.96	-1.84	-1.88	-1.71	-1.95	-2.11	-2.16	-2.27	-2.39	-2.26	-2.34	-2.34	-2.18	-2.24	-2.237
Ohlson O-Score	snapshot only																				-4.459
Net-Net WC	snapshot only																				$-222.67
EVA	snapshot only																				$-7976175.41

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																				BB+
Credit Score	82.33	82.24	73.80	54.95	48.77	47.16	52.53	46.81	43.59	43.39	43.81	45.47	45.37	39.39	51.84	48.20	47.84	51.84	41.59	45.85	45.850
Credit Grade	snapshot only																				11
Credit Trend	snapshot only																				-2.346
Implied Spread (bps)	snapshot only																				400.000
Industry Credit Rank	snapshot only																				28
Sector Credit Rank	snapshot only																				31

FCCO 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

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