$35.49

+0.29 (+0.82%)

Weekly Expected Move ±3.5%

$32 $33 $34 $35 $36

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 61 · $3.4B mcap · 78M float · 1.63% daily turnover · Short 74% 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

53.4 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 8.1% · 5Y Avg: 5.9%

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. FIBK shows a Weak competitive edge (53.4/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 8.1% 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

$33

Low

$33

Avg Target

$33

High

Based on 1 analyst since Apr 29, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 6Hold: 7Sell: 2Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$33.00

Analysts1

Consensus Change History

Date	Field	From	To
2026-05-02	consensus	Buy	Hold

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-01	UBS	—	$38	$33	-5	-7.2%	$35.56
2026-02-04	UBS	—	$37	$38	+1	+1.1%	$37.60
2026-02-02	Piper Sandler	Matthew Clark	$36	$44	+8	+24.0%	$35.47
2026-01-06	UBS	Nicholas Holowko	$34	$37	+3	+0.2%	$36.91
2025-12-19	Barclays	Jared Shaw	$36	$38	+2	+6.8%	$35.59
2025-11-11	Barclays	—	$34	$36	+2	+12.5%	$31.99
2025-11-05	UBS	—	Initiated	$34	—	+5.1%	$32.36
2025-10-08	Barclays	Jared Shaw	Initiated	$34	—	+7.2%	$31.71
2025-09-29	Wells Fargo	—	$28	$30	+2	-7.8%	$32.55
2025-01-31	Stephens	Andrew Terrell	$36	$38	+2	+15.3%	$32.95
2024-10-28	Piper Sandler	Matthew Clark	$38	$36	-2	+14.0%	$31.57
2024-10-01	Wells Fargo	Timur Braziler	Initiated	$28	—	-8.7%	$30.68
2024-07-29	Piper Sandler	Matthew Clark	$37	$38	+1	+20.2%	$31.61
2024-07-29	Stephens	Andrew Terell	$41	$36	-5	+14.2%	$31.51
2024-04-29	Piper Sandler	Matthew Clark	Initiated	$37	—	+35.1%	$27.39
2022-05-04	Stephens	—	Initiated	$41	—	+16.5%	$35.20

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-

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. FIBK receives an overall rating of A-. Strongest factors: DCF (4/5), ROA (4/5).

Rating Change History

Date	From	To
2026-04-29	B+	A-
2026-04-22	A-	B+
2026-04-01	B+	A-
2026-03-04	A-	B+
2026-02-04	B+	A-
2026-01-16	A-	B+
2026-01-14	B+	A-
2026-01-09	A-	B+
2026-01-03	B+	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.

★ ★ ★ ★ ★ 46 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. FIBK scores highest in Value (85/100) and lowest in Balance Sheet (38/100). An overall grade of A places FIBK 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

2.22

Grey Zone

Piotroski F-Score

5/9

✓ ✓ ✓ ✗ ✗ ✗ ✓ ✓ ✗

Beneish M-Score

-2.82

Unlikely Manipulator

Ohlson O-Score

-3.37

Bankruptcy prob: 3.3%

Low Risk

Credit Rating

A-

Score: 67.0/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 0.90x

Accruals: 0.1%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. FIBK scores 2.22, 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. FIBK scores 5/9, 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. FIBK's score of -2.82 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. FIBK's implied 3.3% 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. FIBK receives an estimated rating of A- (score: 67.0/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). FIBK's score of 75/100 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

11.24x

PEG

0.25x

P/S

2.80x

P/B

1.04x

P/FCF

13.09x

P/OCF

11.75x

EV/EBITDA

8.71x

EV/Revenue

3.03x

EV/EBIT

9.27x

EV/FCF

14.73x

Earnings Yield

9.42%

FCF Yield

7.64%

Shareholder Yield

12.02%

Graham Number

$49.58

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 11.2x earnings, FIBK trades at a reasonable valuation. An earnings yield of 9.4% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $49.58 per share, suggesting a potential 40% 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

0.775

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.327

EBIT / Rev

Asset Turnover

0.044

Rev / Assets

Equity Multiplier

8.262

Assets / Equity

ROE

9.2%

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. FIBK's ROE of 9.2% is driven by financial leverage (equity multiplier: 8.26x). 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

3.80%

Fair P/E

16.11x

Intrinsic Value

$50.66

Price/Value

0.66x

Margin of Safety

34.07%

Premium

-34.07%

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 FIBK's realized 3.8% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $50.66, FIBK appears undervalued with a 34% margin of safety. The adjusted fair P/E of 16.1x compares to the current market P/E of 11.2x.

Profitability Trends

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

Leverage & Solvency Trends

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

Efficiency & Working Capital Trends

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

Growth Trends (YoY %)

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

Earnings Stability

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

Monte Carlo Price Simulation

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

Current Price

$35.49

Median 1Y

$34.43

5th Pctile

$19.00

95th Pctile

$62.48

Ann. Volatility

36.2%

Analyst Target

$33.00

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
James A. Reuter President & Chief Executive Officer	$1,000,000	$2,534,832	$4,615,009
Marcy D. Mutch Former Chief Financial Officer, EVP	$234,672	$574,831	$1,544,274
Lorrie F. Asker Former Co-Chief Banking Officer, EVP	$438,308	$490,730	$1,348,371
Kirk D. Jensen General Counsel, EVP	$445,712	$321,946	$1,093,764
Kristina R. Robbins Chief Operations Officer, EVP	$448,462	$326,481	$1,088,464
David P. Della Camera Chief Financial Officer, EVP	$403,539	$172,352	$902,457
Lori A. Meyer Chief Information Officer, EVP	$324,231	$234,190	$783,253

CEO Pay Ratio

37:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $4,615,009

Avg Employee Cost (SGA/emp): $125,770

Employees: 3,376

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

3,376

-3.0% YoY

Revenue / Employee

$313,477

Rev: $1,058,300,000

Profit / Employee

$89,485

NI: $302,100,000

SGA / Employee

$125,770

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	9.5%	9.5%	9.7%	5.4%	6.5%	8.5%	8.0%	11.5%	11.7%	11.1%	8.2%	8.2%	8.0%	7.5%	6.9%	6.7%	7.0%	7.5%	8.9%	9.2%	9.25%
ROA	1.2%	1.2%	1.0%	0.6%	0.7%	0.9%	0.8%	1.1%	1.1%	1.1%	0.8%	0.8%	0.8%	0.7%	0.8%	0.7%	0.8%	0.8%	1.1%	1.1%	1.12%
ROIC	-6.2%	-6.2%	-4.9%	-2.7%	-3.3%	-4.3%	-18.7%	-27.1%	-27.3%	-26.1%	53.9%	54.3%	52.9%	49.3%	4.8%	4.6%	4.9%	5.2%	7.8%	8.1%	8.08%
ROCE	11.2%	11.1%	11.3%	6.4%	7.6%	9.7%	7.6%	11.0%	11.2%	10.8%	9.5%	9.6%	9.4%	8.7%	8.2%	7.9%	8.3%	8.9%	2.7%	2.8%	2.77%
Gross Margin	97.2%	97.5%	1.0%	71.1%	98.1%	90.9%	82.6%	72.3%	69.4%	70.2%	66.9%	64.6%	64.2%	62.0%	61.1%	65.7%	73.4%	74.6%	97.7%	97.2%	97.24%
Operating Margin	34.7%	35.5%	40.7%	-17.7%	27.1%	34.9%	31.8%	22.4%	24.0%	26.0%	21.9%	20.9%	21.4%	19.4%	17.9%	19.2%	27.6%	27.6%	44.5%	31.9%	31.91%
Net Margin	26.8%	27.6%	31.3%	-14.3%	21.6%	27.7%	24.8%	16.9%	18.5%	19.9%	16.7%	15.9%	16.4%	14.8%	14.0%	14.5%	21.2%	21.3%	34.8%	24.8%	24.78%
EBITDA Margin	41.6%	42.0%	47.5%	-12.0%	31.9%	39.4%	35.9%	26.5%	27.8%	29.6%	25.5%	25.2%	24.1%	23.5%	22.1%	22.3%	30.4%	32.4%	44.5%	31.9%	31.91%
FCF Margin	52.4%	44.4%	41.5%	35.5%	48.6%	48.2%	44.2%	40.4%	36.1%	32.2%	28.0%	29.4%	23.5%	20.6%	22.4%	22.3%	21.3%	22.1%	20.8%	20.6%	20.59%
OCF Margin	55.1%	47.1%	43.0%	38.1%	51.6%	51.4%	45.1%	41.1%	36.7%	32.4%	30.0%	31.3%	25.1%	22.3%	24.0%	23.7%	23.2%	24.0%	22.9%	22.9%	22.93%
ROE 3Y Avg	snapshot only																				7.90%
ROE 5Y Avg	snapshot only																				7.72%
ROA 3Y Avg	snapshot only																				0.92%
ROIC 3Y Avg	snapshot only																				5.36%
ROIC Economic	snapshot only																				7.43%
Cash ROA	snapshot only																				1.06%
Cash ROIC	snapshot only																				7.30%
CROIC	snapshot only																				6.55%
NOPAT Margin	snapshot only																				25.37%
Pretax Margin	snapshot only																				32.74%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				25.75%
SBC / Revenue	snapshot only																				0.95%

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	10.51	10.28	10.26	25.24	25.91	20.82	16.38	8.81	7.11	7.91	10.86	9.66	10.31	12.44	13.95	12.96	12.58	13.23	11.58	10.62	11.244
P/S Ratio	3.00	2.93	3.00	3.73	3.87	3.48	2.79	2.00	1.55	1.59	1.96	1.72	1.78	1.98	2.13	1.93	2.02	2.33	2.62	2.69	2.802
P/B Ratio	1.01	0.99	0.99	1.36	1.68	1.76	1.08	0.84	0.68	0.73	0.87	0.78	0.81	0.91	0.95	0.85	0.87	0.98	1.01	0.96	1.045
P/FCF	5.72	6.60	7.25	10.52	7.95	7.21	6.32	4.95	4.31	4.93	7.00	5.83	7.56	9.64	9.50	8.67	9.45	10.56	12.59	13.09	13.086
P/OCF	5.44	6.21	6.98	9.79	7.50	6.77	6.20	4.88	4.24	4.90	6.54	5.47	7.07	8.90	8.88	8.16	8.71	9.74	11.45	11.75	11.750
EV/EBITDA	-10.32	-10.62	-13.50	-17.12	-11.93	-9.12	-2.69	-3.69	-4.73	-4.57	0.12	-0.61	-0.38	0.49	13.02	12.65	12.32	12.59	9.15	8.71	8.708
EV/Revenue	-4.53	-4.64	-6.01	-4.42	-2.98	-2.42	-0.71	-1.23	-1.52	-1.37	0.03	-0.17	-0.10	0.12	3.09	2.91	3.01	3.36	2.94	3.03	3.034
EV/EBIT	-12.26	-12.60	-15.92	-22.74	-15.49	-11.36	-3.27	-4.24	-5.42	-5.26	0.14	-0.72	-0.44	0.58	15.54	14.95	14.41	14.64	10.00	9.27	9.266
EV/FCF	-8.66	-10.46	-14.50	-12.46	-6.13	-5.02	-1.61	-3.04	-4.23	-4.26	0.12	-0.56	-0.42	0.59	13.79	13.06	14.12	15.20	14.09	14.73	14.734
Earnings Yield	9.5%	9.7%	9.7%	4.0%	3.9%	4.8%	6.1%	11.3%	14.1%	12.6%	9.2%	10.4%	9.7%	8.0%	7.2%	7.7%	7.9%	7.6%	8.6%	9.4%	9.42%
FCF Yield	17.5%	15.2%	13.8%	9.5%	12.6%	13.9%	15.8%	20.2%	23.2%	20.3%	14.3%	17.1%	13.2%	10.4%	10.5%	11.5%	10.6%	9.5%	7.9%	7.6%	7.64%
PEG Ratio	snapshot only																				0.251
Price/Tangible Book	snapshot only																				1.446
EV/OCF	snapshot only																				13.230
EV/Gross Profit	snapshot only																				3.584
Acquirers Multiple	snapshot only																				9.266
Shareholder Yield	snapshot only																				12.02%
Graham Number	snapshot only																				$49.58

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	0.41	0.41	0.41	0.41	0.41	0.41	0.27	0.27	0.27	0.27	0.24	0.24	0.24	0.24	0.04	0.04	0.04	0.04	0.04	0.04	0.038
Quick Ratio	0.41	0.41	0.41	0.41	0.41	0.41	0.27	0.27	0.27	0.27	0.24	0.24	0.24	0.24	0.04	0.04	0.04	0.04	0.04	0.04	0.038
Debt/Equity	0.66	0.66	0.63	0.63	0.63	0.63	1.19	1.19	1.19	1.19	1.14	1.14	1.14	1.14	0.72	0.72	0.72	0.72	0.23	0.23	0.225
Net Debt/Equity	-2.55	-2.55	-2.98	-2.98	-2.98	-2.98	-1.35	-1.35	-1.35	-1.35	-0.85	-0.85	-0.85	-0.85	0.43	0.43	0.43	0.43	0.12	0.12	0.121
Debt/Assets	0.07	0.07	0.06	0.06	0.06	0.06	0.11	0.11	0.11	0.11	0.12	0.12	0.12	0.12	0.08	0.08	0.08	0.08	0.03	0.03	0.029
Debt/EBITDA	4.43	4.47	4.28	6.68	5.79	4.70	11.72	8.55	8.43	8.71	9.39	9.29	9.57	10.10	6.79	7.11	6.81	6.43	1.81	1.81	1.810
Net Debt/EBITDA	-17.13	-17.31	-20.24	-31.58	-27.41	-22.24	-13.28	-9.69	-9.56	-9.88	-7.04	-6.96	-7.17	-7.57	4.06	4.25	4.07	3.84	0.98	0.97	0.974
Interest Coverage	12.08	13.06	14.32	7.54	7.69	5.73	3.26	2.49	1.57	1.11	0.84	0.76	0.70	0.64	0.61	0.63	0.71	0.83	1.11	1.24	1.240
Equity Multiplier	9.01	9.01	9.90	9.90	9.90	9.90	10.50	10.50	10.50	10.50	9.50	9.50	9.50	9.50	8.82	8.82	8.82	8.82	7.73	7.73	7.729
Cash Ratio	snapshot only																				0.030
Debt Service Coverage	snapshot only																				1.319
Cash to Debt	snapshot only																				0.462
FCF to Debt	snapshot only																				0.327
Defensive Interval	snapshot only																				263.5 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	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.044
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	13.56	13.51	13.32	14.74	17.53	20.35	14.30	15.50	16.28	16.95	11.54	11.82	11.86	11.94	12.04	11.87	11.64	11.32	12.15	11.21	11.214
Payables Turnover	0.16	0.11	0.02	0.47	0.47	0.63	0.53	0.61	0.95	1.21	0.97	1.06	1.10	1.18	1.28	1.25	1.16	1.02	1.41	0.89	0.888
DSO	27	27	27	25	21	18	26	24	22	22	32	31	31	31	30	31	31	32	30	33	32.5 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	2257	3190	20433	783	769	576	692	599	384	301	376	346	331	310	286	292	316	357	259	411	411.3 days
Cash Conversion Cycle	-2230	-3163	-20406	-758	-749	-558	-666	-576	-361	-279	-344	-315	-301	-280	-255	-261	-285	-325	-229	-379	-378.7 days
Fixed Asset Turnover	snapshot only																				3.026
Cash Velocity	snapshot only																				3.434
Capital Intensity	snapshot only																				21.656

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	-4.4%	-4.0%	-3.6%	7.8%	30.2%	51.8%	80.6%	76.9%	56.2%	40.1%	20.5%	13.8%	8.7%	5.2%	3.7%	-0.2%	-2.4%	-5.7%	-10.0%	-15.7%	-15.69%
Net Income	12.9%	12.7%	19.2%	-41.5%	-31.8%	-10.9%	5.3%	1.7%	1.3%	68.2%	27.3%	-11.1%	-14.3%	-16.5%	-12.2%	-16.1%	-9.1%	4.2%	33.7%	43.3%	43.30%
EPS	15.9%	16.6%	19.7%	-61.1%	-61.4%	-48.4%	-37.8%	1.4%	1.4%	72.7%	28.5%	-10.4%	-13.7%	-16.0%	-12.0%	-16.4%	-9.4%	4.1%	36.7%	49.3%	49.32%
FCF	4.2%	39.9%	14.2%	-5.3%	20.9%	65.1%	92.6%	1.0%	15.9%	-6.6%	-23.7%	-17.2%	-29.2%	-32.8%	-17.0%	-24.3%	-11.3%	1.2%	-16.3%	-22.2%	-22.16%
EBITDA	12.8%	11.3%	14.9%	-34.1%	-26.0%	-7.8%	7.0%	1.3%	1.0%	58.1%	25.0%	-7.8%	-11.8%	-13.6%	-10.0%	-15.0%	-8.6%	2.1%	21.8%	27.6%	27.64%
Op. Income	12.6%	12.2%	18.4%	-40.6%	-32.2%	-12.1%	3.8%	1.6%	1.3%	71.3%	31.0%	-9.0%	-12.8%	-15.6%	-12.6%	-16.2%	-9.5%	3.4%	33.0%	41.7%	41.73%
OCF Growth	snapshot only																				-18.44%
Asset Growth	snapshot only																				-8.57%
Equity Growth	snapshot only																				4.33%
Debt Growth	snapshot only																				-67.50%
Shares Change	snapshot only																				-4.04%
Dividend Growth	snapshot only																				-1.59%

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	4.2%	3.4%	2.1%	4.4%	9.0%	13.3%	19.3%	22.1%	24.8%	26.8%	28.0%	29.5%	30.3%	30.8%	31.2%	26.2%	18.3%	11.6%	4.0%	-1.4%	-1.41%
Revenue 5Y	10.0%	9.5%	8.5%	10.6%	13.6%	15.2%	17.9%	18.1%	18.1%	18.7%	18.3%	18.0%	17.1%	16.5%	16.2%	15.7%	15.6%	15.1%	14.4%	12.8%	12.82%
EPS 3Y	7.5%	5.0%	5.6%	-24.9%	-22.0%	-15.4%	-11.4%	2.7%	2.4%	1.3%	-1.5%	-5.3%	-7.2%	-9.2%	-11.1%	22.1%	23.4%	14.7%	15.6%	3.8%	3.80%
EPS 5Y	8.9%	7.7%	7.9%	-11.9%	-9.8%	-1.8%	0.5%	5.8%	2.8%	0.7%	-1.2%	-1.6%	-0.3%	-2.6%	-4.7%	-4.1%	-3.4%	-1.9%	2.8%	1.1%	1.15%
Net Income 3Y	10.5%	6.8%	6.2%	-13.4%	-7.2%	-0.3%	3.8%	20.1%	20.7%	19.1%	16.9%	12.3%	10.1%	7.8%	5.6%	26.6%	21.2%	13.6%	14.3%	2.3%	2.26%
Net Income 5Y	16.2%	14.8%	15.0%	1.7%	6.3%	11.5%	13.7%	19.4%	16.1%	12.8%	10.0%	9.5%	9.4%	6.9%	4.5%	5.2%	6.5%	8.0%	13.4%	11.2%	11.23%
EBITDA 3Y	11.1%	8.8%	7.7%	-8.0%	-3.7%	1.4%	4.5%	18.1%	18.9%	17.5%	15.4%	11.6%	9.6%	8.0%	6.4%	21.5%	17.5%	11.7%	11.0%	0.0%	0.00%
EBITDA 5Y	13.7%	12.3%	12.1%	2.3%	5.9%	9.6%	12.3%	17.5%	15.3%	13.4%	10.8%	10.4%	9.7%	7.3%	5.1%	5.2%	6.3%	7.4%	11.0%	8.6%	8.57%
Gross Profit 3Y	5.7%	5.4%	4.8%	4.2%	9.7%	13.7%	17.8%	21.5%	21.1%	20.0%	18.5%	16.4%	15.1%	13.9%	12.6%	12.1%	5.7%	1.7%	0.3%	-1.7%	-1.73%
Gross Profit 5Y	10.8%	10.5%	9.8%	9.7%	13.1%	14.5%	16.3%	16.2%	14.3%	13.4%	11.9%	11.3%	10.2%	9.0%	8.3%	8.5%	9.4%	9.8%	11.6%	10.6%	10.63%
Op. Income 3Y	8.7%	6.1%	6.3%	-12.8%	-7.1%	-0.7%	3.0%	19.3%	20.3%	19.1%	17.2%	12.6%	10.5%	8.3%	5.9%	26.3%	21.7%	14.3%	15.1%	2.6%	2.62%
Op. Income 5Y	12.7%	11.3%	11.3%	-0.9%	3.2%	8.0%	10.4%	16.8%	14.7%	12.4%	10.3%	9.8%	9.8%	7.2%	4.6%	5.3%	6.6%	8.1%	13.4%	11.2%	11.16%
FCF 3Y	29.3%	8.0%	8.3%	9.0%	38.9%	75.7%	67.9%	72.2%	93.7%	29.2%	18.9%	16.5%	-0.3%	1.2%	6.9%	8.1%	-10.1%	-14.0%	-19.1%	-21.3%	-21.28%
FCF 5Y	23.3%	18.8%	20.7%	15.0%	27.2%	41.0%	35.3%	30.7%	24.8%	14.2%	13.3%	16.7%	17.0%	27.8%	24.6%	26.2%	35.5%	8.0%	3.1%	-1.4%	-1.39%
OCF 3Y	30.6%	10.3%	8.6%	10.6%	37.7%	70.0%	61.3%	63.3%	77.6%	24.9%	16.8%	15.5%	0.3%	1.9%	7.9%	7.7%	-9.4%	-13.5%	-17.0%	-18.8%	-18.81%
OCF 5Y	22.6%	18.6%	19.0%	10.1%	21.3%	31.0%	28.1%	29.4%	24.7%	14.4%	14.2%	17.5%	16.6%	25.7%	22.8%	23.4%	30.3%	7.4%	2.6%	-1.1%	-1.06%
Assets 3Y	13.1%	13.1%	13.9%	13.9%	13.9%	13.9%	30.2%	30.2%	30.2%	30.2%	20.2%	20.2%	20.2%	20.2%	14.0%	14.0%	14.0%	14.0%	-6.2%	-6.2%	-6.21%
Assets 5Y	15.1%	15.1%	16.8%	16.8%	16.8%	16.8%	21.5%	21.5%	21.5%	21.5%	18.2%	18.2%	18.2%	18.2%	14.8%	14.8%	14.8%	14.8%	8.6%	8.6%	8.58%
Equity 3Y	11.1%	11.1%	5.5%	5.5%	5.5%	5.5%	15.1%	15.1%	15.1%	15.1%	18.1%	18.1%	18.1%	18.1%	18.5%	18.5%	18.5%	18.5%	3.9%	3.9%	3.89%
Book Value 3Y	8.0%	9.2%	4.8%	-8.5%	-11.4%	-10.6%	-1.6%	-1.5%	-2.3%	-2.1%	-0.5%	-0.5%	-0.5%	-0.5%	-0.2%	14.3%	20.6%	19.7%	5.1%	5.5%	5.47%
Dividend 3Y	-10.5%	-8.8%	-8.1%	-5.2%	-4.8%	-1.1%	3.8%	-1.4%	-6.2%	-8.8%	-13.8%	-14.2%	-14.9%	-15.7%	-15.7%	-3.6%	1.7%	1.0%	0.8%	1.0%	0.97%

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	0.83	0.77	0.71	0.83	0.84	0.72	0.60	0.61	0.68	0.72	0.73	0.75	0.80	0.82	0.81	0.82	0.86	0.84	0.74	0.55	0.545
Earnings Stability	0.95	0.87	0.81	0.12	0.27	0.59	0.76	0.33	0.39	0.55	0.74	0.37	0.44	0.55	0.67	0.28	0.35	0.54	0.84	0.44	0.441
Margin Stability	0.96	0.96	0.95	0.97	0.96	0.96	0.94	0.96	0.92	0.90	0.87	0.88	0.86	0.84	0.82	0.84	0.85	0.85	0.86	0.84	0.838
Rev. Growth Consistency	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	1.00	0.50	0.50	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	0.00	0.00	0.00	0.00	0.00	0.00	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	0.95	0.95	0.92	0.83	0.87	0.96	0.98	0.50	0.50	0.50	0.89	0.96	0.94	0.93	0.95	0.94	0.96	0.98	0.87	0.83	0.827
Earnings Smoothness	0.88	0.88	0.83	0.48	0.62	0.89	0.95	0.08	0.22	0.49	0.76	0.88	0.85	0.82	0.87	0.82	0.90	0.96	0.71	0.64	0.644
ROE Trend	0.01	0.00	0.01	-0.03	-0.02	-0.01	-0.02	0.02	0.02	0.00	-0.00	0.01	-0.00	-0.02	-0.00	-0.02	-0.02	-0.01	0.01	0.02	0.017
Gross Margin Trend	0.08	0.09	0.11	0.00	0.01	-0.02	-0.07	-0.06	-0.16	-0.20	-0.23	-0.20	-0.19	-0.18	-0.15	-0.13	-0.07	-0.00	0.11	0.19	0.192
FCF Margin Trend	0.36	0.23	0.16	0.08	0.18	0.11	0.06	0.03	-0.14	-0.14	-0.15	-0.09	-0.19	-0.20	-0.14	-0.13	-0.08	-0.04	-0.04	-0.05	-0.053
Sustainable Growth Rate	4.7%	4.4%	4.6%	-0.7%	-0.6%	0.5%	0.8%	4.2%	4.1%	3.4%	2.0%	2.0%	1.8%	1.3%	0.9%	0.7%	1.1%	1.5%	3.2%	3.6%	3.56%
Internal Growth Rate	0.6%	0.5%	0.5%	—	—	0.0%	0.1%	0.4%	0.4%	0.3%	0.2%	0.2%	0.2%	0.1%	0.1%	0.1%	0.1%	0.2%	0.4%	0.4%	0.43%

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	1.93	1.65	1.47	2.58	3.46	3.08	2.64	1.81	1.68	1.61	1.66	1.76	1.46	1.40	1.57	1.59	1.45	1.36	1.01	0.90	0.904
FCF/OCF	0.95	0.94	0.96	0.93	0.94	0.94	0.98	0.98	0.98	0.99	0.93	0.94	0.93	0.92	0.93	0.94	0.92	0.92	0.91	0.90	0.898
FCF/Net Income	snapshot only																				0.812
OCF/EBITDA	snapshot only																				0.658
CapEx/Revenue	2.7%	2.7%	1.6%	2.7%	3.0%	3.2%	0.9%	0.6%	0.6%	0.2%	2.0%	1.9%	1.6%	1.7%	1.6%	1.4%	1.8%	1.9%	2.1%	2.3%	2.34%
CapEx/Depreciation	snapshot only																				1.116
Accruals Ratio	-0.01	-0.01	-0.00	-0.01	-0.02	-0.02	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	0.001
Sloan Accruals	snapshot only																				0.459
Cash Flow Adequacy	snapshot only																				1.278
Earnings Quality Score	snapshot only																				0.750

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	4.8%	5.2%	5.2%	4.5%	4.2%	4.5%	5.5%	7.2%	9.1%	8.8%	7.0%	7.8%	7.5%	6.7%	6.2%	6.9%	6.8%	6.0%	5.6%	5.8%	5.30%
Dividend/Share	$1.56	$1.62	$1.64	$1.30	$1.29	$1.49	$1.74	$1.79	$1.83	$1.88	$1.88	$1.90	$1.90	$1.89	$1.89	$1.89	$1.89	$1.89	$1.92	$1.93	$1.88
Payout Ratio	51.0%	53.2%	52.9%	1.1%	1.1%	94.6%	90.1%	63.6%	64.4%	69.3%	75.8%	75.3%	77.5%	83.1%	86.7%	89.6%	85.1%	79.5%	64.3%	61.5%	61.52%
FCF Payout Ratio	27.8%	34.1%	37.4%	47.0%	33.4%	32.8%	34.8%	35.8%	39.0%	43.2%	48.8%	45.5%	56.8%	64.4%	59.0%	60.0%	63.9%	63.5%	69.9%	75.8%	75.80%
Total Payout Ratio	98.4%	76.2%	55.7%	1.1%	1.6%	2.1%	1.9%	1.3%	1.1%	70.0%	89.0%	88.2%	91.1%	97.7%	87.7%	91.6%	86.5%	92.1%	1.0%	1.3%	1.28%
Div. Increase Streak	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1	0	0	0	0	0	0
Chowder Number	-0.17	-0.15	-0.16	0.35	0.50	0.63	0.85	0.61	0.44	0.32	0.14	0.13	0.11	0.07	0.07	0.07	0.07	0.06	0.05	0.04	0.042
Buyback Yield	4.5%	2.2%	0.3%	0.1%	2.0%	5.7%	6.0%	7.8%	6.4%	0.1%	1.2%	1.3%	1.3%	1.2%	0.1%	0.2%	0.1%	0.9%	3.5%	6.2%	6.23%
Net Buyback Yield	4.5%	2.2%	0.3%	0.0%	2.0%	5.7%	6.0%	7.8%	6.4%	0.1%	1.2%	1.3%	1.3%	1.1%	0.0%	0.1%	0.1%	0.9%	3.5%	6.2%	6.23%
Total Shareholder Return	9.3%	7.4%	5.4%	4.5%	6.2%	10.2%	11.5%	15.0%	15.5%	8.9%	8.2%	9.1%	8.8%	7.8%	6.3%	7.0%	6.9%	7.0%	9.0%	12.0%	12.02%

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)	0.77	0.77	0.78	0.76	0.78	0.78	0.79	0.78	0.78	0.77	0.76	0.77	0.76	0.76	0.77	0.77	0.77	0.77	0.77	0.77	0.775
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	0.37	0.37	0.38	0.19	0.19	0.21	0.22	0.29	0.28	0.26	0.24	0.23	0.23	0.21	0.20	0.19	0.21	0.23	0.29	0.33	0.327
Asset Turnover	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.044
Equity Multiplier	8.13	8.13	9.46	9.46	9.46	9.46	10.27	10.27	10.27	10.27	9.99	9.99	9.99	9.99	9.16	9.16	9.16	9.16	8.26	8.26	8.262

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$3.06	$3.04	$3.11	$1.16	$1.18	$1.57	$1.93	$2.81	$2.84	$2.71	$2.48	$2.52	$2.45	$2.28	$2.19	$2.11	$2.22	$2.37	$2.99	$3.14	$3.14
Book Value/Share	$31.75	$31.74	$32.16	$21.39	$18.20	$18.64	$29.40	$29.61	$29.61	$29.61	$31.14	$31.32	$31.31	$31.26	$31.95	$31.95	$31.96	$31.96	$34.10	$34.73	$33.97
Tangible Book/Share	$20.46	$20.45	$20.98	$13.95	$11.87	$12.15	$17.65	$17.77	$17.77	$17.77	$19.46	$19.57	$19.56	$19.54	$20.41	$20.41	$20.42	$20.41	$22.68	$23.10	$23.10
Revenue/Share	$10.74	$10.70	$10.62	$7.82	$7.91	$9.40	$11.33	$12.37	$12.99	$13.52	$13.77	$14.18	$14.23	$14.30	$14.32	$14.11	$13.85	$13.47	$13.18	$12.40	$12.44
FCF/Share	$5.62	$4.74	$4.40	$2.77	$3.85	$4.54	$5.01	$5.00	$4.69	$4.35	$3.86	$4.17	$3.34	$2.94	$3.21	$3.15	$2.96	$2.97	$2.75	$2.55	$2.56
OCF/Share	$5.92	$5.03	$4.57	$2.98	$4.08	$4.84	$5.11	$5.08	$4.77	$4.38	$4.13	$4.44	$3.57	$3.19	$3.43	$3.34	$3.21	$3.23	$3.02	$2.84	$2.85
Cash/Share	$101.82	$101.79	$116.01	$77.17	$65.66	$67.22	$74.76	$75.29	$75.29	$75.28	$61.93	$62.30	$62.27	$62.18	$9.29	$9.29	$9.29	$9.29	$3.54	$3.61	$3.25
EBITDA/Share	$4.72	$4.67	$4.73	$2.02	$1.98	$2.50	$2.99	$4.13	$4.19	$4.05	$3.77	$3.84	$3.72	$3.52	$3.40	$3.25	$3.39	$3.59	$4.23	$4.32	$4.32
Debt/Share	$20.91	$20.90	$20.25	$13.47	$11.46	$11.73	$35.04	$35.29	$35.29	$35.29	$35.40	$35.61	$35.60	$35.55	$23.08	$23.08	$23.09	$23.09	$7.67	$7.82	$7.82
Net Debt/Share	$-80.91	$-80.89	$-95.76	$-63.70	$-54.20	$-55.49	$-39.72	$-40.00	$-40.00	$-40.00	$-26.53	$-26.69	$-26.67	$-26.64	$13.79	$13.79	$13.80	$13.80	$4.13	$4.21	$4.21

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.222
Altman Z-Prime	snapshot only																				-2.455
Piotroski F-Score	8	8	8	6	7	6	5	7	7	7	6	5	5	5	5	5	5	5	6	5	5
Beneish M-Score	-2.50	-2.43	-2.58	-2.22	-2.20	-2.21	-0.99	-1.21	-0.89	-0.92	-2.29	-2.35	-2.37	-2.35	-2.46	-2.54	-2.41	-2.60	-2.88	-2.82	-2.817
Ohlson O-Score	snapshot only																				-3.374
Net-Net WC	snapshot only																				$-229.07
EVA	snapshot only																				$-74350000.00

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																				A-
Credit Score	66.35	64.87	65.07	58.61	71.44	77.11	45.96	55.61	55.66	55.90	55.10	55.69	54.46	49.07	47.06	47.05	46.66	46.83	68.49	67.01	67.006
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				19.956
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				57
Sector Credit Rank	snapshot only																				57

FIBK 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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