$32.24

+0.05 (+0.16%)

Weekly Expected Move ±3.1%

$29 $30 $31 $32 $33

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 58 · $4.6B mcap · 138M float · 0.560% daily turnover · Short 69% 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

58.3 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 30.6% · 5Y Avg: 28.8%

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. FFIN has a Narrow competitive edge (58.3/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. ROIC of 30.6% 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

Low

$39

Avg Target

$39

High

Based on 2 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 0Hold: 11Sell: 4Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$39.00

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2025-10-27	Hovde Group	Brett Rabatin	Initiated	$39	—	+21.8%	$32.01
2025-09-09	Cantor Fitzgerald	Dave Rochester	Initiated	$39	—	+8.1%	$36.08
2024-10-18	Stephens	Matt Olney	Initiated	$40	—	+3.0%	$38.85
2024-07-24	Truist Financial	Brandon King	Initiated	$39	—	+3.8%	$37.56

Financial Rating

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

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. FFIN receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (4/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-04-22	A-	B+
2026-04-01	B+	A-
2026-01-23	C	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 62 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. FFIN scores highest in Cash Flow (87/100) and lowest in Balance Sheet (52/100). An overall grade of A+ places FFIN among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman-B Score

3.19

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.62

Unlikely Manipulator

Ohlson O-Score

-5.19

Bankruptcy prob: 0.6%

Low Risk

Credit Rating

AA+

Score: 90.9/100

Trend: Stable

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. FFIN scores 3.19, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. FFIN 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. FFIN's score of -2.62 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. FFIN's implied 0.6% 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. FFIN receives an estimated rating of AA+ (score: 90.9/100), with a stable 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). FFIN'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

17.50x

PEG

1.30x

P/S

5.45x

P/B

2.38x

P/FCF

13.83x

P/OCF

13.17x

EV/EBITDA

9.64x

EV/Revenue

3.75x

EV/EBIT

9.85x

EV/FCF

10.38x

Earnings Yield

6.24%

FCF Yield

7.23%

Shareholder Yield

2.54%

Graham Number

$23.49

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 17.5x earnings, FFIN trades at a reasonable valuation. An earnings yield of 6.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $23.49 per share, 37% 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

0.818

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.380

EBIT / Rev

Asset Turnover

0.058

Rev / Assets

Equity Multiplier

8.350

Assets / Equity

ROE

15.0%

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. FFIN's ROE of 15.0% is driven by financial leverage (equity multiplier: 8.35x). 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

4.38%

Fair P/E

17.26x

Intrinsic Value

$31.71

Price/Value

0.93x

Margin of Safety

7.11%

Premium

-7.11%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with FFIN's realized 4.4% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $31.71, FFIN appears undervalued with a 7% margin of safety. The adjusted fair P/E of 17.3x compares to the current market P/E of 17.5x.

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

$32.24

Median 1Y

$31.53

5th Pctile

$17.30

95th Pctile

$57.47

Ann. Volatility

34.5%

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
F. Scott Dueser, Chairman and CEO	$1,201,042	$899,967	$3,356,547
Ronald D. Butler, II, EVP/CAO	$638,333	$251,950	$1,530,520
Michelle S. Hickox, EVP/CFO	$628,333	$247,943	$1,506,730
David W. Bailey President	$600,000	$240,001	$1,422,140
T. Luke Longhofer, Chief Credit Officer	$446,667	$179,964	$978,403

CEO Pay Ratio

25:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $3,356,547

Avg Employee Cost (SGA/emp): $134,138

Employees: 1,600

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

1,600

+6.7% YoY

Revenue / Employee

$516,124

Rev: $825,799,000

Profit / Employee

$158,491

NI: $253,585,000

SGA / Employee

$134,138

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	15.5%	15.9%	13.2%	13.2%	13.4%	13.4%	15.5%	15.3%	14.6%	14.0%	14.4%	14.5%	14.6%	15.0%	14.4%	14.9%	15.8%	15.6%	14.4%	15.0%	14.97%
ROA	2.3%	2.4%	1.9%	1.9%	1.9%	1.9%	1.8%	1.8%	1.7%	1.6%	1.5%	1.5%	1.5%	1.6%	1.7%	1.7%	1.8%	1.8%	1.7%	1.8%	1.79%
ROIC	-7.5%	-7.7%	-4.9%	-4.9%	-4.9%	-4.9%	-6.0%	-5.9%	-5.7%	-5.4%	-5.9%	-5.9%	-6.0%	-6.1%	29.7%	30.8%	32.7%	32.3%	29.5%	30.6%	30.64%
ROCE	15.1%	15.5%	14.4%	14.3%	14.6%	14.6%	20.9%	20.7%	20.0%	19.2%	15.4%	15.4%	15.5%	15.9%	15.1%	15.6%	16.6%	16.4%	16.1%	16.8%	16.81%
Gross Margin	99.6%	98.9%	97.4%	95.1%	93.7%	90.9%	85.5%	80.8%	75.1%	72.8%	72.2%	71.5%	69.0%	68.8%	73.8%	73.2%	74.6%	63.3%	76.2%	76.5%	76.54%
Operating Margin	54.4%	53.6%	51.8%	51.5%	53.3%	50.9%	48.3%	44.0%	40.3%	37.8%	34.8%	37.0%	35.1%	35.5%	39.3%	38.8%	39.7%	30.0%	41.4%	40.8%	40.84%
Net Margin	45.5%	44.7%	43.4%	43.5%	44.5%	42.3%	40.1%	36.0%	32.7%	31.0%	28.6%	30.4%	28.9%	29.3%	32.2%	31.7%	32.4%	24.9%	33.9%	33.3%	33.27%
EBITDA Margin	57.0%	56.1%	54.4%	54.0%	55.7%	53.1%	50.5%	46.1%	42.3%	39.7%	36.9%	38.8%	36.9%	37.5%	41.1%	40.6%	41.2%	31.9%	41.4%	40.8%	40.84%
FCF Margin	45.4%	64.3%	66.1%	63.3%	66.9%	61.0%	55.9%	55.2%	50.8%	45.8%	43.0%	38.3%	38.2%	37.9%	39.6%	39.1%	37.2%	36.1%	34.3%	36.1%	36.09%
OCF Margin	49.4%	67.9%	69.9%	67.0%	69.4%	64.2%	58.8%	58.6%	54.1%	48.6%	45.8%	40.6%	40.8%	40.2%	41.9%	41.0%	38.8%	37.6%	35.9%	37.9%	37.91%
ROE 3Y Avg	snapshot only																				13.83%
ROE 5Y Avg	snapshot only																				14.53%
ROA 3Y Avg	snapshot only																				1.63%
ROIC 3Y Avg	snapshot only																				25.32%
ROIC Economic	snapshot only																				13.72%
Cash ROA	snapshot only																				2.08%
Cash ROIC	snapshot only																				37.30%
CROIC	snapshot only																				35.51%
NOPAT Margin	snapshot only																				31.14%
Pretax Margin	snapshot only																				38.04%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				26.09%
SBC / Revenue	snapshot only																				0.59%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	28.63	26.17	29.45	25.75	22.60	24.11	19.63	18.56	17.41	16.17	20.85	22.62	20.33	24.92	22.60	21.88	20.62	19.78	16.90	16.03	17.504
P/S Ratio	12.90	12.00	13.25	11.40	9.96	10.47	8.35	7.54	6.55	5.63	6.67	6.93	6.04	7.30	6.83	6.69	6.48	5.98	5.19	4.99	5.453
P/B Ratio	3.83	3.60	3.81	3.32	2.96	3.17	3.64	3.39	3.05	2.70	2.77	3.02	2.73	3.44	3.14	3.15	3.15	2.99	2.24	2.21	2.375
P/FCF	28.45	18.67	20.06	18.01	14.88	17.16	14.94	13.65	12.89	12.29	15.50	18.10	15.81	19.25	17.24	17.11	17.42	16.56	15.15	13.83	13.833
P/OCF	26.09	17.67	18.97	17.01	14.36	16.31	14.21	12.87	12.10	11.58	14.56	17.08	14.82	18.18	16.31	16.29	16.70	15.89	14.46	13.17	13.167
EV/EBITDA	6.16	4.65	0.95	-2.10	-4.21	-2.97	-1.91	-3.00	-4.64	-6.43	-2.80	-1.35	-2.99	1.12	14.70	14.22	13.42	12.73	10.09	9.64	9.641
EV/Revenue	3.49	2.67	0.54	-1.16	-2.32	-1.61	-1.02	-1.54	-2.22	-2.86	-1.15	-0.53	-1.14	0.42	5.67	5.56	5.39	4.91	3.91	3.75	3.745
EV/EBIT	6.46	4.87	1.00	-2.20	-4.41	-3.10	-1.99	-3.13	-4.86	-6.74	-2.95	-1.42	-3.14	1.18	15.43	14.92	14.02	13.32	10.43	9.85	9.845
EV/FCF	7.69	4.16	0.81	-1.84	-3.47	-2.64	-1.82	-2.78	-4.37	-6.25	-2.68	-1.38	-2.97	1.11	14.32	14.22	14.48	13.61	11.41	10.38	10.378
Earnings Yield	3.5%	3.8%	3.4%	3.9%	4.4%	4.1%	5.1%	5.4%	5.7%	6.2%	4.8%	4.4%	4.9%	4.0%	4.4%	4.6%	4.9%	5.1%	5.9%	6.2%	6.24%
FCF Yield	3.5%	5.4%	5.0%	5.6%	6.7%	5.8%	6.7%	7.3%	7.8%	8.1%	6.4%	5.5%	6.3%	5.2%	5.8%	5.8%	5.7%	6.0%	6.6%	7.2%	7.23%
PEG Ratio	snapshot only																				1.297
Price/Tangible Book	snapshot only																				2.637
EV/OCF	snapshot only																				9.878
EV/Gross Profit	snapshot only																				5.152
Acquirers Multiple	snapshot only																				9.845
Shareholder Yield	snapshot only																				2.54%
Graham Number	snapshot only																				$23.49

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.56	0.56	0.63	0.63	0.63	0.63	0.50	0.50	0.50	0.50	0.46	0.46	0.46	0.46	0.09	0.09	0.09	0.09	0.68	0.68	0.677
Quick Ratio	0.56	0.56	0.63	0.63	0.63	0.63	0.50	0.50	0.50	0.50	0.46	0.46	0.46	0.46	0.09	0.09	0.09	0.09	0.68	0.68	0.677
Debt/Equity	0.26	0.26	0.38	0.38	0.38	0.38	0.51	0.51	0.51	0.51	0.27	0.27	0.27	0.27	0.12	0.12	0.12	0.12	0.01	0.01	0.011
Net Debt/Equity	-2.80	-2.80	-3.66	-3.66	-3.66	-3.66	-4.08	-4.08	-4.08	-4.08	-3.25	-3.25	-3.25	-3.25	-0.53	-0.53	-0.53	-0.53	-0.55	-0.55	-0.551
Debt/Assets	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.03	0.03	0.03	0.03	0.01	0.01	0.01	0.01	0.00	0.00	0.001
Debt/EBITDA	1.52	1.49	2.35	2.37	2.33	2.32	2.19	2.20	2.28	2.38	1.58	1.57	1.57	1.52	0.69	0.67	0.63	0.64	0.07	0.07	0.066
Net Debt/EBITDA	-16.61	-16.20	-22.56	-22.69	-22.30	-22.25	-17.58	-17.72	-18.33	-19.09	-19.01	-18.96	-18.88	-18.35	-3.00	-2.89	-2.73	-2.76	-3.30	-3.21	-3.210
Interest Coverage	35.77	40.80	44.99	46.40	37.34	17.78	8.93	5.06	3.16	2.21	1.69	1.45	1.32	1.28	1.34	1.40	1.50	1.48	1.54	1.60	1.600
Equity Multiplier	6.50	6.50	7.45	7.45	7.45	7.45	10.25	10.25	10.25	10.25	8.74	8.74	8.74	8.74	8.70	8.70	8.70	8.70	8.06	8.06	8.056
Cash Ratio	snapshot only																				0.080
Debt Service Coverage	snapshot only																				1.634
Cash to Debt	snapshot only																				49.723
FCF to Debt	snapshot only																				14.102
Defensive Interval	snapshot only																				11351.2 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.058
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.21	0.21	0.210
Payables Turnover	0.72	-0.61	0.67	1.57	2.67	4.23	—	—	—	—	—	—	—	—	—	—	—	—	0.03	0.03	0.035
DSO (trade)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1780	1735	1734.8 days
DIO	0	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	505	—	545	233	137	86	0	0	0	0	0	0	0	0	0	0	0	0	10467	10531	10530.6 days
Cash Conversion Cycle (trade)	-505	—	-545	-233	-137	-86	0	0	0	0	0	0	0	0	0	0	0	0	-8687	-8796	-8795.8 days
Fixed Asset Turnover	snapshot only																				5.648
Cash Velocity	snapshot only																				0.786
Capital Intensity	snapshot only																				18.233

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	10.0%	6.3%	2.8%	2.2%	5.1%	5.8%	9.0%	11.1%	12.4%	14.2%	12.9%	14.6%	15.2%	16.2%	18.8%	16.2%	15.3%	13.6%	11.7%	11.9%	11.87%
Net Income	28.2%	24.7%	12.6%	2.2%	2.7%	0.2%	3.0%	2.0%	-4.0%	-8.4%	-15.1%	-13.5%	-9.0%	-2.1%	12.3%	15.8%	22.0%	17.1%	13.5%	14.0%	13.96%
EPS	27.6%	24.1%	12.2%	2.0%	2.7%	0.3%	3.2%	2.1%	-3.9%	-8.4%	-15.1%	-13.5%	-9.0%	-2.2%	12.1%	15.6%	22.6%	16.9%	13.2%	13.8%	13.76%
FCF	15.0%	80.0%	72.0%	23.6%	55.0%	0.4%	-7.7%	-3.0%	-14.7%	-14.3%	-13.2%	-20.5%	-13.4%	-3.7%	9.5%	18.5%	12.2%	8.1%	-3.4%	3.3%	3.32%
EBITDA	27.2%	23.8%	11.7%	1.7%	2.1%	-0.2%	3.0%	2.8%	-2.3%	-6.4%	-12.9%	-11.9%	-8.5%	-2.0%	11.5%	15.3%	21.7%	16.9%	12.2%	11.3%	11.25%
Op. Income	28.0%	24.8%	12.2%	1.7%	2.3%	-0.2%	3.3%	3.1%	-2.3%	-6.6%	-13.4%	-12.5%	-9.0%	-2.5%	11.6%	15.6%	22.5%	17.7%	14.0%	14.3%	14.34%
OCF Growth	snapshot only																				3.34%
Asset Growth	snapshot only																				10.49%
Equity Growth	snapshot only																				19.34%
Debt Growth	snapshot only																				-89.00%
Shares Change	snapshot only																				0.18%
Dividend Growth	snapshot only																				4.38%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	12.0%	10.9%	9.7%	9.4%	9.3%	9.2%	9.7%	9.6%	9.1%	8.7%	8.2%	9.2%	10.8%	12.0%	13.5%	14.0%	14.3%	14.7%	14.4%	14.2%	14.21%
Revenue 5Y	10.3%	10.3%	10.3%	10.5%	10.6%	10.5%	10.9%	10.7%	10.7%	10.5%	10.2%	10.8%	11.1%	11.6%	12.1%	11.9%	11.5%	11.1%	10.9%	11.1%	11.09%
EPS 3Y	15.7%	13.9%	12.8%	11.8%	11.4%	10.8%	10.7%	12.1%	8.0%	4.4%	-0.6%	-3.4%	-3.6%	-3.5%	-0.6%	0.7%	2.3%	1.5%	2.6%	4.4%	4.38%
EPS 5Y	14.9%	15.6%	15.0%	14.7%	14.8%	14.1%	12.6%	11.3%	8.8%	6.3%	4.7%	4.3%	3.8%	4.0%	5.3%	7.1%	7.0%	5.4%	4.5%	3.4%	3.45%
Net Income 3Y	17.7%	15.9%	14.7%	13.7%	13.3%	12.6%	12.5%	12.2%	8.1%	4.6%	-0.5%	-3.4%	-3.6%	-3.5%	-0.6%	0.7%	2.1%	1.6%	2.6%	4.5%	4.51%
Net Income 5Y	16.7%	17.4%	16.8%	16.5%	16.6%	15.8%	14.3%	12.5%	10.0%	7.4%	5.7%	5.3%	4.9%	5.1%	6.3%	7.2%	7.0%	5.6%	4.7%	3.5%	3.54%
EBITDA 3Y	17.3%	16.4%	14.3%	13.2%	12.8%	12.1%	11.9%	11.8%	8.3%	4.9%	0.1%	-2.7%	-3.0%	-2.9%	0.0%	1.4%	2.8%	2.3%	2.9%	4.1%	4.14%
EBITDA 5Y	13.9%	14.7%	14.1%	13.8%	13.9%	13.1%	12.9%	11.8%	10.0%	8.0%	6.1%	5.6%	5.1%	5.3%	6.3%	7.2%	7.2%	5.8%	4.6%	3.4%	3.38%
Gross Profit 3Y	13.7%	13.4%	11.7%	11.3%	10.9%	10.1%	9.4%	8.5%	6.1%	3.8%	0.7%	-0.7%	-0.7%	-0.7%	1.5%	2.5%	4.0%	4.4%	5.7%	7.3%	7.33%
Gross Profit 5Y	11.2%	11.8%	11.3%	11.1%	10.9%	10.3%	9.9%	8.9%	7.8%	6.5%	5.4%	5.5%	5.5%	5.8%	6.4%	6.7%	6.8%	6.0%	5.3%	4.9%	4.93%
Op. Income 3Y	18.5%	17.4%	15.1%	13.9%	13.4%	12.6%	12.4%	12.3%	8.6%	5.2%	0.1%	-2.8%	-3.1%	-3.1%	-0.0%	1.4%	2.9%	2.3%	3.3%	4.9%	4.95%
Op. Income 5Y	14.8%	15.5%	14.9%	14.6%	14.8%	13.9%	13.8%	12.6%	10.7%	8.6%	6.4%	5.9%	5.3%	5.4%	6.5%	7.4%	7.4%	6.0%	5.0%	3.9%	3.92%
FCF 3Y	10.7%	21.5%	24.9%	18.3%	21.9%	26.2%	16.6%	27.4%	15.0%	15.7%	11.3%	-1.6%	4.6%	-6.1%	-4.3%	-3.0%	-6.0%	-3.7%	-2.8%	-0.9%	-0.91%
FCF 5Y	11.5%	21.8%	18.9%	18.8%	18.3%	13.5%	11.8%	15.0%	12.4%	9.1%	9.3%	5.0%	6.0%	10.6%	8.6%	14.2%	8.1%	10.0%	7.8%	3.1%	3.12%
OCF 3Y	10.7%	20.8%	23.2%	16.7%	20.3%	25.1%	16.9%	27.2%	15.5%	15.2%	10.6%	-1.4%	3.9%	-6.0%	-4.3%	-3.2%	-5.8%	-4.0%	-2.9%	-1.2%	-1.21%
OCF 5Y	9.8%	19.0%	17.1%	17.1%	16.8%	12.7%	11.2%	14.6%	11.9%	8.8%	8.5%	4.1%	5.8%	10.2%	8.8%	13.9%	8.0%	9.3%	7.1%	3.1%	3.06%
Assets 3Y	14.6%	14.6%	19.2%	19.2%	19.2%	19.2%	16.2%	16.2%	16.2%	16.2%	6.3%	6.3%	6.3%	6.3%	2.2%	2.2%	2.2%	2.2%	6.0%	6.0%	5.99%
Assets 5Y	10.3%	10.3%	14.0%	14.0%	14.0%	14.0%	12.3%	12.3%	12.3%	12.3%	11.1%	11.1%	11.1%	11.1%	11.1%	11.1%	11.1%	11.1%	7.2%	7.2%	7.21%
Equity 3Y	22.1%	22.1%	18.6%	18.6%	18.6%	18.6%	1.0%	1.0%	1.0%	1.0%	-3.7%	-3.7%	-3.7%	-3.7%	-3.0%	-3.0%	-3.0%	-3.0%	14.8%	14.8%	14.85%
Book Value 3Y	19.9%	20.0%	16.7%	16.7%	16.7%	16.7%	-0.5%	1.0%	0.9%	0.9%	-3.8%	-3.7%	-3.7%	-3.7%	-3.0%	-3.0%	-2.8%	-3.1%	14.7%	14.7%	14.70%
Dividend 3Y	2.1%	2.3%	2.5%	2.7%	12.2%	3.1%	3.0%	4.4%	-12.9%	3.5%	3.0%	2.5%	12.2%	1.5%	1.0%	0.5%	0.2%	0.4%	0.9%	1.3%	1.31%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.97	0.98	0.97	0.98	0.99	0.98	0.98	0.98	0.99	0.98	0.97	0.96	0.97	0.96	0.95	0.95	0.94	0.93	0.93	0.95	0.946
Earnings Stability	0.95	0.96	0.99	0.95	0.97	0.96	0.98	0.91	0.86	0.75	0.58	0.49	0.43	0.37	0.37	0.31	0.35	0.26	0.30	0.25	0.251
Margin Stability	0.96	0.96	0.97	0.97	0.96	0.96	0.97	0.95	0.93	0.91	0.90	0.89	0.87	0.86	0.86	0.86	0.87	0.87	0.86	0.86	0.858
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	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.000
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	0.89	0.90	0.95	0.99	0.99	1.00	0.99	0.99	0.98	0.97	0.94	0.95	0.96	0.99	0.95	0.94	0.91	0.93	0.95	0.94	0.944
Earnings Smoothness	0.75	0.78	0.88	0.98	0.97	1.00	0.97	0.98	0.96	0.91	0.84	0.85	0.91	0.98	0.88	0.85	0.80	0.84	0.87	0.87	0.869
ROE Trend	-0.01	-0.01	0.00	-0.00	-0.01	-0.01	0.06	0.05	0.04	0.03	-0.02	-0.02	-0.02	-0.01	-0.02	-0.01	-0.00	-0.00	-0.00	-0.00	-0.001
Gross Margin Trend	0.08	0.10	0.06	0.04	0.02	-0.01	-0.05	-0.10	-0.15	-0.19	-0.20	-0.20	-0.18	-0.16	-0.12	-0.09	-0.04	-0.03	-0.01	0.01	0.007
FCF Margin Trend	-0.00	0.26	0.23	0.20	0.23	0.10	0.03	-0.03	-0.05	-0.17	-0.18	-0.21	-0.21	-0.15	-0.10	-0.08	-0.07	-0.06	-0.07	-0.03	-0.026
Sustainable Growth Rate	10.4%	10.6%	8.6%	8.4%	7.0%	8.3%	9.5%	9.0%	9.8%	7.5%	7.2%	7.1%	7.1%	7.5%	7.8%	8.3%	9.2%	8.9%	8.4%	8.9%	8.87%
Internal Growth Rate	1.6%	1.6%	1.2%	1.2%	1.0%	1.2%	1.1%	1.1%	1.2%	0.9%	0.8%	0.8%	0.8%	0.8%	0.9%	1.0%	1.1%	1.0%	1.0%	1.1%	1.07%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.10	1.48	1.55	1.51	1.57	1.48	1.38	1.44	1.44	1.40	1.43	1.32	1.37	1.37	1.39	1.34	1.23	1.25	1.17	1.22	1.218
FCF/OCF	0.92	0.95	0.95	0.94	0.96	0.95	0.95	0.94	0.94	0.94	0.94	0.94	0.94	0.94	0.95	0.95	0.96	0.96	0.95	0.95	0.952
FCF/Net Income	snapshot only																				1.159
OCF/EBITDA	snapshot only																				0.976
CapEx/Revenue	4.1%	3.6%	3.8%	3.7%	2.4%	3.2%	2.9%	3.3%	3.3%	2.8%	2.8%	2.3%	2.5%	2.2%	2.3%	2.0%	1.6%	1.5%	1.6%	1.8%	1.83%
CapEx/Depreciation	snapshot only																				2.264
Accruals Ratio	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.004
Sloan Accruals	snapshot only																				0.459
Cash Flow Adequacy	snapshot only																				2.613
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	1.1%	1.3%	1.2%	1.4%	2.1%	1.6%	2.0%	2.2%	1.9%	2.9%	2.4%	2.2%	2.5%	2.0%	2.0%	2.0%	2.0%	2.2%	2.5%	2.5%	2.36%
Dividend/Share	$0.52	$0.54	$0.56	$0.58	$0.77	$0.62	$0.64	$0.66	$0.51	$0.69	$0.70	$0.71	$0.72	$0.72	$0.72	$0.72	$0.72	$0.73	$0.74	$0.75	$0.76
Payout Ratio	32.9%	33.3%	35.0%	36.5%	47.6%	38.3%	38.9%	40.8%	32.9%	46.5%	50.2%	50.8%	51.1%	49.7%	46.0%	44.5%	41.9%	43.1%	41.8%	40.7%	40.74%
FCF Payout Ratio	32.7%	23.7%	23.9%	25.5%	31.3%	27.2%	29.6%	30.0%	24.3%	35.4%	37.4%	40.6%	39.7%	38.4%	35.1%	34.8%	35.4%	36.1%	37.5%	35.2%	35.15%
Total Payout Ratio	32.9%	33.3%	35.0%	36.5%	47.6%	39.2%	39.8%	41.7%	33.8%	47.8%	51.6%	52.1%	52.4%	49.7%	46.0%	44.5%	41.9%	43.1%	41.8%	40.7%	40.74%
Div. Increase Streak	1	1	1	1	1	1	1	1	0	1	1	1	0	1	1	1	0	1	1	1	1
Chowder Number	0.13	0.14	0.15	0.15	0.51	0.17	0.17	0.16	-0.32	0.14	0.12	0.10	0.44	0.06	0.05	0.04	0.02	0.04	0.05	0.07	0.069
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.0%	-0.0%	-0.0%	-0.1%	-0.1%	-0.1%	-0.07%
Total Shareholder Return	1.1%	1.3%	1.2%	1.4%	2.1%	1.6%	2.0%	2.2%	1.9%	3.0%	2.5%	2.3%	2.6%	2.0%	2.0%	2.0%	2.0%	2.1%	2.4%	2.5%	2.47%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.83	0.83	0.84	0.84	0.84	0.84	0.83	0.83	0.82	0.82	0.82	0.82	0.82	0.82	0.82	0.82	0.82	0.82	0.82	0.82	0.818
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	0.54	0.55	0.54	0.53	0.53	0.52	0.51	0.49	0.46	0.42	0.39	0.37	0.36	0.36	0.37	0.37	0.38	0.37	0.37	0.38	0.380
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.058
Equity Multiplier	6.60	6.60	6.98	6.98	6.98	6.98	8.62	8.62	8.62	8.62	9.43	9.43	9.43	9.43	8.72	8.72	8.72	8.72	8.35	8.35	8.350

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$1.57	$1.61	$1.59	$1.58	$1.61	$1.61	$1.64	$1.62	$1.55	$1.48	$1.39	$1.40	$1.41	$1.45	$1.56	$1.61	$1.73	$1.69	$1.77	$1.84	$1.84
Book Value/Share	$11.72	$11.72	$12.28	$12.28	$12.28	$12.29	$8.85	$8.85	$8.85	$8.84	$10.49	$10.48	$10.48	$10.47	$11.22	$11.21	$11.28	$11.20	$13.36	$13.35	$13.57
Tangible Book/Share	$9.50	$9.49	$10.07	$10.07	$10.07	$10.08	$6.64	$6.64	$6.64	$6.64	$8.29	$8.28	$8.28	$8.27	$9.03	$9.02	$9.08	$9.01	$11.18	$11.17	$11.17
Revenue/Share	$3.48	$3.51	$3.53	$3.57	$3.66	$3.72	$3.85	$3.98	$4.11	$4.25	$4.35	$4.56	$4.74	$4.94	$5.16	$5.28	$5.49	$5.60	$5.76	$5.90	$5.92
FCF/Share	$1.58	$2.26	$2.33	$2.26	$2.45	$2.27	$2.15	$2.20	$2.09	$1.94	$1.87	$1.75	$1.81	$1.87	$2.05	$2.06	$2.04	$2.02	$1.97	$2.13	$2.13
OCF/Share	$1.72	$2.39	$2.47	$2.39	$2.54	$2.39	$2.26	$2.33	$2.23	$2.07	$1.99	$1.85	$1.93	$1.98	$2.16	$2.17	$2.13	$2.11	$2.07	$2.24	$2.24
Cash/Share	$35.78	$35.76	$49.58	$49.56	$49.58	$49.62	$40.57	$40.58	$40.57	$40.55	$36.86	$36.84	$36.83	$36.80	$7.35	$7.34	$7.39	$7.34	$7.51	$7.51	$6.43
EBITDA/Share	$1.97	$2.02	$1.99	$1.98	$2.01	$2.02	$2.05	$2.04	$1.97	$1.89	$1.79	$1.79	$1.80	$1.85	$1.99	$2.06	$2.20	$2.16	$2.23	$2.29	$2.29
Debt/Share	$3.00	$3.00	$4.69	$4.68	$4.69	$4.69	$4.49	$4.49	$4.49	$4.49	$2.83	$2.83	$2.82	$2.82	$1.38	$1.37	$1.38	$1.37	$0.15	$0.15	$0.15
Net Debt/Share	$-32.77	$-32.76	$-44.89	$-44.87	$-44.89	$-44.93	$-36.08	$-36.08	$-36.08	$-36.06	$-34.04	$-34.02	$-34.00	$-33.98	$-5.97	$-5.97	$-6.01	$-5.96	$-7.36	$-7.36	$-7.36

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.187
Altman Z-Prime	snapshot only																				-1.083
Piotroski F-Score	7	7	6	5	5	6	6	6	5	4	6	6	5	5	7	7	8	6	8	8	8
Beneish M-Score	-2.52	-2.48	-2.44	-2.44	-2.39	-2.39	-2.19	-2.19	-2.15	-2.15	-2.29	-2.21	-2.27	-2.27	-2.08	-2.19	-2.17	-2.11	-2.70	-2.62	-2.624
Ohlson O-Score	snapshot only																				-5.189
Net-Net WC	snapshot only																				$-30.42
EVA	snapshot only																				$177681100.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA+
Credit Score	97.53	97.95	91.24	91.63	94.63	91.76	91.93	91.92	90.23	90.40	95.77	95.80	95.67	95.63	89.75	89.98	91.23	91.11	90.90	90.88	90.883
Credit Grade	snapshot only																				2
Credit Trend	snapshot only																				0.907
Implied Spread (bps)	snapshot only																				65.000
Industry Credit Rank	snapshot only																				94
Sector Credit Rank	snapshot only																				87

FFIN 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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