$36.00

+0.23 (+0.64%)

Weekly Expected Move ±2.3%

$34 $35 $36 $37 $38

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 38 · $3.5B mcap · 83M float · 1.35% daily turnover · Short 56% 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

41.8 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: -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. FIBK shows a Weak competitive edge (41.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. Negative ROIC of -7.6% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

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

Analyst Price Targets

$34

Low

$36

Avg Target

$37

High

Based on 2 analysts since Jul 23, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 5Hold: 7Sell: 3Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$35.50

Analysts2

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
2026-08-10	Wells Fargo	—	$30	$34	+4	-9.4%	$37.53
2026-08-03	Barclays	Jared Shaw	$38	$37	-1	-2.7%	$38.02
2026-05-27	D.A. Davidson	—	Initiated	$39	—	+7.9%	$36.13
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.

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

Rating Change History

Date	From	To
2026-10-01	B+	A
2026-07-25	A-	B+
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+

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.

★ ★ ★ ★ ★ 45 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 Safety (90/100) and lowest in Growth (36/100). 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

3.83

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✓ ✓ ✓ ✗

Beneish M-Score

-21.38

Unlikely Manipulator

Ohlson O-Score

-5.02

Bankruptcy prob: 0.7%

Low Risk

Credit Rating

AA-

Score: 84.3/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 0.84x

Accruals: 0.2%

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 3.83, 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. FIBK scores 7/9, 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. FIBK's score of -21.38 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 0.7% 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 AA- (score: 84.3/100), 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

11.08x

PEG

0.24x

P/S

3.67x

P/B

1.05x

P/FCF

15.34x

P/OCF

13.73x

EV/EBITDA

-8.13x

EV/Revenue

-4.03x

EV/EBIT

-9.21x

EV/FCF

-15.81x

Earnings Yield

8.69%

FCF Yield

6.52%

Shareholder Yield

12.45%

Graham Number

$50.87

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 11.1x earnings, FIBK trades at a reasonable valuation. An earnings yield of 8.7% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $50.87 per share, suggesting a potential 41% 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

0.777

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.438

EBIT / Rev

Asset Turnover

0.036

Rev / Assets

Equity Multiplier

7.925

Assets / Equity

ROE

9.6%

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 9.6% is driven by financial leverage (equity multiplier: 7.93x). 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

5.67%

Fair P/E

19.85x

Intrinsic Value

$66.50

Price/Value

0.58x

Margin of Safety

42.02%

Premium

-42.02%

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 FIBK's realized 5.7% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. FIBK trades at a -42% premium to its adjusted intrinsic value of $66.50, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 19.8x compares to the current market P/E of 11.1x.

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

$36.00

Median 1Y

$35.07

5th Pctile

$19.35

95th Pctile

$63.65

Ann. Volatility

36.2%

Analyst Target

$35.50

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

Executive Compensation

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

C-Suite Compensation

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	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	9.5%	9.7%	4.0%	4.9%	6.7%	8.0%	8.8%	9.2%	9.3%	8.2%	8.2%	8.0%	7.3%	6.9%	6.6%	6.9%	7.2%	8.9%	9.3%	9.6%	9.62%
ROA	1.0%	1.0%	0.4%	0.5%	0.7%	0.8%	0.9%	0.9%	0.9%	0.8%	0.8%	0.8%	0.8%	0.8%	0.7%	0.8%	0.9%	1.1%	1.1%	1.2%	1.21%
ROIC	-5.5%	-4.9%	-2.0%	-3.2%	-7.0%	-18.7%	-59.6%	76.4%	2.6%	53.9%	55.0%	66.1%	3.3%	4.8%	5.2%	6.7%	9.1%	7.8%	8.2%	-7.6%	-7.62%
ROCE	11.0%	11.3%	3.8%	4.7%	5.4%	7.6%	6.0%	6.3%	6.7%	9.5%	9.0%	8.8%	8.4%	8.2%	7.3%	7.3%	8.5%	2.7%	1.6%	10.5%	10.47%
Gross Margin	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%	3.4%	3.41%
Operating Margin	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%	1.8%	1.75%
Net Margin	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%	1.4%	1.36%
EBITDA Margin	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%	49.1%	37.1%	2.0%	1.96%
FCF Margin	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%	25.5%	25.52%
OCF Margin	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%	28.5%	28.52%
ROE 3Y Avg	snapshot only																				8.10%
ROE 5Y Avg	snapshot only																				7.54%
ROA 3Y Avg	snapshot only																				0.97%
ROIC Economic	snapshot only																				8.00%
Cash ROA	snapshot only																				1.05%
NOPAT Margin	snapshot only																				34.02%
Pretax Margin	snapshot only																				43.80%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				43.32%
SBC / Revenue	snapshot only																				1.25%

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	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	11.51	11.077
P/S Ratio	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	3.91	3.668
P/B Ratio	0.97	0.99	0.79	1.02	1.16	1.08	0.81	0.67	0.72	0.87	0.78	0.81	0.87	0.95	0.84	0.84	0.94	1.01	0.99	1.12	1.046
P/FCF	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	15.34	15.339
P/OCF	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	13.73	13.726
EV/EBITDA	-12.12	-13.50	-32.20	-18.27	-7.15	-2.69	-1.38	-1.47	-1.78	0.12	-0.58	-0.62	-1.01	13.02	10.78	8.19	6.70	8.85	8.27	-8.13	-8.127
EV/Revenue	-5.30	-6.01	-8.31	-4.57	-1.90	-0.71	-0.46	-0.47	-0.53	0.03	-0.16	-0.16	-0.25	3.09	2.48	2.01	1.79	2.94	3.06	-4.03	-4.034
EV/EBIT	-14.40	-15.92	-42.78	-23.72	-8.91	-3.27	-1.59	-1.69	-2.05	0.14	-0.68	-0.72	-1.19	15.54	12.74	9.59	7.79	10.00	9.35	-9.21	-9.212
EV/FCF	-11.94	-14.50	-23.43	-9.39	-3.94	-1.61	-1.14	-1.31	-1.66	0.12	-0.54	-0.69	-1.21	13.79	11.13	9.39	8.09	14.09	14.87	-15.81	-15.807
Earnings Yield	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%	8.7%	8.69%
FCF Yield	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%	6.5%	6.52%
PEG Ratio	snapshot only																				0.242
Price/Tangible Book	snapshot only																				1.738
EV/OCF	snapshot only																				-14.144
EV/Gross Profit	snapshot only																				-3.835
Acquirers Multiple	snapshot only																				-9.212
Shareholder Yield	snapshot only																				12.45%
Graham Number	snapshot only																				$50.87

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	0.39	0.41	0.35	0.31	0.27	0.27	0.28	0.27	0.25	0.24	0.25	0.25	0.25	0.04	0.04	0.06	0.07	0.04	0.68	0.38	0.380
Quick Ratio	0.39	0.41	0.35	0.31	0.27	0.27	0.28	0.27	0.25	0.24	0.25	0.25	0.25	0.04	0.04	0.06	0.07	0.04	0.68	0.38	0.380
Debt/Equity	0.61	0.63	0.39	0.46	0.66	1.19	1.25	1.22	1.05	1.14	1.14	1.15	0.87	0.72	0.53	0.34	0.23	0.23	0.23	0.23	0.226
Net Debt/Equity	-2.74	-2.98	-2.54	-2.23	-1.79	-1.35	-1.00	-0.88	-0.97	-0.85	-0.85	-0.88	-0.98	0.43	0.24	-0.01	-0.22	0.12	0.13	-2.28	-2.281
Debt/Assets	0.06	0.06	0.04	0.05	0.06	0.11	0.13	0.12	0.11	0.12	0.12	0.12	0.10	0.08	0.06	0.04	0.03	0.03	0.03	0.03	0.029
Debt/EBITDA	4.18	4.28	7.23	7.04	7.46	11.72	9.25	8.75	7.71	9.39	9.29	9.70	8.08	6.79	5.30	3.35	2.14	1.75	1.70	1.59	1.589
Net Debt/EBITDA	-18.82	-20.24	-46.67	-33.74	-20.27	-13.28	-7.38	-6.30	-7.08	-7.04	-6.93	-7.42	-9.07	4.06	2.38	-0.05	-2.05	0.94	0.99	-16.01	-16.014
Interest Coverage	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	1.38	1.378
Equity Multiplier	9.76	9.90	9.64	9.79	10.43	10.50	10.01	9.92	9.90	9.50	9.39	9.39	8.79	8.82	8.41	8.06	7.93	7.73	7.87	7.79	7.791
Cash Ratio	snapshot only																				0.380
Debt Service Coverage	snapshot only																				1.562
Cash to Debt	snapshot only																				11.078
FCF to Debt	snapshot only																				0.324
Defensive Interval	snapshot only																				5195.4 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	0.03	0.03	0.04	0.05	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.036
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	12.05	13.32	11.07	12.20	12.58	14.30	13.18	12.87	11.92	11.54	12.22	11.95	11.51	12.04	12.50	12.33	11.91	12.15	11.76	18.04	18.038
Payables Turnover	0.11	0.02	0.34	0.27	0.31	0.53	0.57	0.68	0.76	0.97	1.14	1.07	1.12	1.28	1.28	1.23	0.97	1.41	0.95	-0.30	—
DSO	30	27	33	30	29	26	28	28	31	32	30	31	32	30	29	30	31	30	31	20	20.2 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—	—
DPO	3379	20433	1069	1372	1168	692	646	535	479	376	320	342	326	286	285	296	375	259	386	—	—
Cash Conversion Cycle	-3349	-20406	-1036	-1342	-1139	-666	-618	-507	-449	-344	-291	-311	-294	-255	-256	-266	-344	-229	-355	—	—
Fixed Asset Turnover	snapshot only																				2.309
Cash Velocity	snapshot only																				0.114
Capital Intensity	snapshot only																				27.153

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	-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%	-33.4%	-33.39%
Net Income	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%	41.3%	41.31%
EPS	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%	50.9%	50.91%
FCF	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%	-20.4%	-20.36%
EBITDA	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%	25.9%	35.6%	35.1%	35.08%
Op. Income	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%	39.5%	39.49%
OCF Growth	snapshot only																				-18.03%
Asset Growth	snapshot only																				-6.10%
Equity Growth	snapshot only																				-2.90%
Debt Growth	snapshot only																				-35.98%
Shares Change	snapshot only																				-6.36%
Dividend Growth	snapshot only																				3.35%

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	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%	-10.9%	-10.93%
Revenue 5Y	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%	7.5%	7.53%
EPS 3Y	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%	5.7%	5.67%
EPS 5Y	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%	1.8%	1.81%
Net Income 3Y	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%	3.2%	3.23%
Net Income 5Y	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%	11.4%	11.39%
EBITDA 3Y	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%	12.3%	2.0%	2.9%	2.88%
EBITDA 5Y	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%	11.7%	9.9%	10.2%	10.17%
Gross Profit 3Y	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%	-1.8%	-1.76%
Gross Profit 5Y	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%	9.4%	9.41%
Op. Income 3Y	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%	3.3%	3.25%
Op. Income 5Y	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%	11.2%	11.22%
FCF 3Y	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%	-20.6%	-20.63%
FCF 5Y	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%	-6.9%	-6.87%
OCF 3Y	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%	-18.1%	-18.09%
OCF 5Y	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%	-5.7%	-5.73%
Assets 3Y	13.2%	13.9%	34.9%	30.5%	28.7%	30.2%	30.0%	23.4%	21.4%	20.2%	17.8%	16.9%	15.2%	14.0%	-5.2%	-4.9%	-4.5%	-6.2%	-5.8%	-5.8%	-5.81%
Assets 5Y	16.6%	16.8%	29.6%	21.2%	20.8%	21.5%	20.9%	20.4%	18.0%	18.2%	17.4%	16.0%	15.0%	14.8%	14.4%	10.8%	9.9%	8.6%	7.5%	6.4%	6.45%
Equity 3Y	6.4%	5.5%	25.6%	18.9%	14.9%	15.1%	17.3%	16.0%	16.0%	18.1%	18.4%	17.8%	19.2%	18.5%	-0.8%	1.5%	4.7%	3.9%	2.0%	2.1%	2.11%
Book Value 3Y	4.6%	4.8%	8.9%	-0.1%	-2.6%	-1.6%	0.4%	-1.6%	-1.4%	-0.5%	-0.2%	-0.7%	0.5%	-0.2%	-4.3%	3.4%	5.8%	5.1%	3.6%	4.5%	4.52%
Dividend 3Y	-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%	1.3%	1.25%

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	0.77	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	0.19	0.189
Earnings Stability	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	0.50	0.495
Margin Stability	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	0.78	0.783
Rev. Growth Consistency	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	0.00	0.000
Earn. Growth Consistency	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	0.50	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	0.92	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	0.83	0.835
Earnings Smoothness	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	0.66	0.658
ROE Trend	0.01	0.01	-0.06	-0.05	-0.03	-0.02	0.03	0.03	0.02	-0.00	0.02	0.01	-0.00	-0.00	-0.02	-0.02	-0.01	0.01	0.02	0.02	0.025
Gross Margin Trend	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	0.39	0.393
FCF Margin Trend	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	0.03	0.031
Sustainable Growth Rate	4.4%	4.6%	-0.5%	-0.4%	0.4%	0.8%	3.2%	3.3%	2.8%	2.0%	2.0%	1.8%	1.2%	0.9%	0.7%	1.0%	1.5%	3.2%	3.6%	4.0%	4.02%
Internal Growth Rate	0.5%	0.5%	—	—	0.0%	0.1%	0.3%	0.3%	0.3%	0.2%	0.2%	0.2%	0.1%	0.1%	0.1%	0.1%	0.2%	0.4%	0.4%	0.5%	0.51%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.65	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	0.84	0.838
FCF/OCF	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	0.89	0.895
FCF/Net Income	snapshot only																				0.750
OCF/EBITDA	snapshot only																				0.575
CapEx/Revenue	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%	3.0%	3.00%
CapEx/Depreciation	snapshot only																				0.513
Accruals Ratio	-0.01	-0.00	-0.01	-0.01	-0.01	-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	0.00	0.002
Sloan Accruals	snapshot only																				0.320
Cash Flow Adequacy	snapshot only																				1.250
Earnings Quality Score	snapshot only																				0.750

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	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%	5.1%	5.22%
Dividend/Share	$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	$1.95	$1.88
Payout Ratio	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%	58.2%	58.25%
FCF Payout Ratio	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%	77.6%	77.64%
Total Payout Ratio	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%	1.4%	1.43%
Div. Increase Streak	0	0	0	0	0	0	1	1	1	1	1	1	1	1	0	0	0	0	0	0	0
Chowder Number	-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	0.02	0.018
Buyback Yield	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%	7.4%	7.39%
Net Buyback Yield	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%	7.4%	7.39%
Total Shareholder Return	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%	12.5%	12.45%

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)	0.77	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	0.78	0.777
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	0.38	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	0.44	0.438
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.05	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.036
Equity Multiplier	9.20	9.46	9.60	9.72	10.16	10.27	9.82	9.86	10.16	9.99	9.70	9.65	9.32	9.16	8.89	8.70	8.35	8.26	8.14	7.93	7.925

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)	$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	$3.35	$3.35
Book Value/Share	$32.14	$32.16	$37.06	$29.98	$28.20	$29.40	$30.44	$30.06	$29.72	$31.14	$31.15	$31.29	$32.60	$31.95	$32.50	$33.10	$33.36	$34.10	$33.84	$34.33	$34.40
Tangible Book/Share	$20.93	$20.98	$23.27	$18.65	$16.63	$17.65	$18.65	$18.31	$18.01	$19.46	$19.44	$19.63	$21.00	$20.41	$21.00	$21.60	$21.93	$22.68	$22.24	$22.18	$22.18
Revenue/Share	$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	$9.85	$9.87
FCF/Share	$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	$2.51	$2.52
OCF/Share	$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	$2.81	$2.82
Cash/Share	$107.49	$116.01	$108.72	$80.64	$69.19	$74.76	$68.68	$62.98	$59.90	$61.93	$62.19	$63.65	$60.38	$9.29	$9.50	$11.54	$15.03	$3.54	$3.24	$86.06	$86.24
EBITDA/Share	$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	$4.38	$4.59	$4.89	$4.89
Debt/Share	$19.55	$20.25	$14.59	$13.91	$18.62	$35.04	$38.19	$36.63	$31.21	$35.40	$35.62	$36.07	$28.46	$23.08	$17.22	$11.36	$7.68	$7.67	$7.79	$7.77	$7.77
Net Debt/Share	$-87.94	$-95.76	$-94.13	$-66.73	$-50.58	$-39.72	$-30.49	$-26.35	$-28.69	$-26.53	$-26.57	$-27.58	$-31.92	$13.79	$7.72	$-0.18	$-7.35	$4.13	$4.54	$-78.30	$-78.30

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.832
Altman Z-Prime	snapshot only																				-2.989
Piotroski F-Score	7	8	4	5	4	4	6	6	6	6	6	6	6	6	6	6	6	7	7	7	7
Beneish M-Score	-2.57	-2.58	-1.62	-1.63	-1.46	-0.99	-2.09	-1.96	-2.12	-2.29	-2.35	-2.40	-2.46	-2.46	-2.58	-2.50	-2.69	-2.88	-2.73	-21.38	-21.377
Ohlson O-Score	snapshot only																				-5.015
Net-Net WC	snapshot only																				$-147.05

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AA-
Credit Score	65.90	65.30	51.25	50.56	50.02	46.09	51.17	54.10	54.53	55.46	56.00	51.23	52.10	47.03	47.70	52.08	65.92	68.75	68.93	84.34	84.340
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				32.256
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				87
Sector Credit Rank	snapshot only																				78

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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