$13.85

-0.10 (-0.72%)

After Hours: $14.27 (+0.42, +3.03%)

Weekly Expected Move ±4.6%

$12 $13 $13 $14 $14

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Sell · Power 31 · $189.8M mcap · 9M float · 0.165% daily turnover · Short 47% of daily vol

Edge Score

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

NO EDGE

38.3 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 9.9% · 5Y Avg: 15.2%

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. FINW has No discernible competitive edge (38.3/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. ROIC of 9.9% suggests modest returns relative to capital deployed.

Analyst Insights

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

Analyst Price Targets

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2024-12-18	Raymond James	Joseph Yanchunis	Initiated	$21	—	+19.2%	$17.62
2024-10-29	Stephens	Brody Preston	Initiated	$18	—	+11.1%	$16.20

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.

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. FINW receives an overall rating of B. Strongest factors: DCF (4/5), ROA (4/5). Areas of concern: D/E (1/5), P/E (2/5).

Rating Change History

Date	From	To
2026-04-30	B+	B
2026-02-04	A-	B+
2026-02-04	B+	A-
2026-02-02	A-	B+
2026-01-26	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.

★ ★ ★ ★ ★ 15 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

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. FINW scores highest in Safety (100/100) and lowest in Momentum (0/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

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

Altman-B Score

4.08

Safe Zone

Piotroski F-Score

5/9

✓ ✗ ✓ ✗ ✓ ✓ ✗ ✗ ✓

Beneish M-Score

4.66

Possible Manipulator

Ohlson O-Score

-1.69

Bankruptcy prob: 15.6%

Moderate

Credit Rating

Score: 85.9/100

Trend: Improving

Earnings Quality

25/100

OCF/NI: -92.20x

Accruals: 169.2%

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. FINW scores 4.08, 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. FINW 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. FINW's score of 4.66 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. 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. FINW's implied 15.6% bankruptcy probability is elevated and warrants attention to the balance sheet. 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. FINW receives an estimated rating of AA (score: 85.9/100), 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). FINW's score of 25/100 is low — reported earnings may not be fully supported by cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

11.55x

PEG

0.50x

P/S

1.10x

P/B

0.92x

P/FCF

-0.15x

P/OCF

—

EV/EBITDA

7.73x

EV/Revenue

1.05x

EV/EBIT

8.57x

EV/FCF

-0.12x

Earnings Yield

7.23%

FCF Yield

-670.35%

Shareholder Yield

0.00%

Graham Number

$19.11

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 11.5x earnings, FINW trades at a reasonable valuation. An earnings yield of 7.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $19.11 per share, suggesting a potential 38% 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

0.740

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.122

EBIT / Rev

Asset Turnover

0.200

Rev / Assets

Equity Multiplier

4.696

Assets / Equity

ROE

8.5%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. FINW's ROE of 8.5% is driven by financial leverage (equity multiplier: 4.70x). 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

22.51%

Fair P/E

53.53x

Intrinsic Value

$61.36

Price/Value

0.26x

Margin of Safety

74.15%

Premium

-74.15%

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 FINW's realized 22.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $61.36, FINW appears undervalued with a 74% margin of safety. The adjusted fair P/E of 53.5x compares to the current market P/E of 11.5x.

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 1130 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$13.85

Median 1Y

$13.12

5th Pctile

$6.80

95th Pctile

$25.36

Ann. Volatility

38.5%

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
James F. Noone President and Chief Executive Officer of the Company and the Bank	$513,966	$1,297,694	$2,470,895
Kent Landvatter Company ve Chairman of the Company and the Bank	$589,084	$909,901	$2,166,551
Robert Wahlman President, Vice President, Chief Financial Officer of the Company and the Bank	$409,797	$381,804	$1,184,823

CEO Pay Ratio

33390:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,470,895

Avg Employee Cost (SGA/emp): $74

Employees: 600,000

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

600,000

+306022.5% YoY

Revenue / Employee

$252

Rev: $150,961,000

Profit / Employee

$27

NI: $16,091,000

SGA / Employee

$74

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	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	8.8%	16.9%	21.7%	24.8%	19.6%	15.3%	14.6%	15.5%	11.8%	11.4%	10.5%	9.5%	7.8%	7.7%	8.2%	9.1%	8.8%	8.5%	8.52%
ROA	2.7%	5.1%	6.6%	7.5%	6.4%	5.0%	4.8%	5.1%	3.5%	3.4%	3.1%	2.9%	1.9%	1.9%	2.0%	2.2%	1.9%	1.8%	1.82%
ROIC	32.9%	63.6%	81.4%	93.3%	53.2%	41.4%	39.6%	42.0%	39.2%	38.0%	34.7%	31.7%	17.4%	17.3%	18.5%	20.5%	10.2%	9.9%	9.91%
ROCE	10.6%	20.4%	26.1%	31.7%	22.8%	18.1%	17.5%	17.1%	13.3%	12.9%	11.7%	10.7%	8.5%	8.5%	9.1%	10.0%	2.2%	2.2%	2.17%
Gross Margin	88.7%	87.1%	85.3%	76.6%	83.4%	78.2%	76.9%	73.4%	72.1%	70.9%	73.7%	74.7%	69.9%	71.2%	67.6%	56.5%	55.5%	66.7%	66.72%
Operating Margin	54.8%	50.8%	33.9%	35.0%	39.0%	28.7%	29.7%	29.4%	23.5%	19.3%	17.7%	18.5%	14.4%	16.8%	18.0%	15.3%	10.4%	7.9%	7.88%
Net Margin	41.0%	37.9%	25.6%	18.0%	28.4%	21.2%	21.9%	21.7%	16.8%	14.2%	13.5%	13.8%	10.9%	12.1%	13.6%	11.7%	7.5%	5.7%	5.68%
EBITDA Margin	55.1%	51.9%	38.2%	35.7%	39.4%	32.2%	34.4%	34.8%	27.5%	24.0%	24.4%	24.5%	18.9%	22.1%	21.8%	18.1%	10.4%	7.9%	7.88%
FCF Margin	46.0%	11.3%	64.9%	45.2%	57.5%	72.8%	7.9%	21.1%	5.6%	2.5%	7.2%	-12.3%	-20.4%	-43.5%	-54.0%	-32.8%	-9.9%	-8.4%	-8.41%
OCF Margin	49.6%	15.8%	70.0%	53.6%	68.7%	83.5%	22.2%	32.4%	14.2%	11.7%	13.0%	-6.1%	-15.4%	-38.2%	-45.9%	-29.0%	-9.8%	-8.4%	-8.36%
ROE 3Y Avg	snapshot only																		8.75%
ROE 5Y Avg	snapshot only																		11.42%
ROA 3Y Avg	snapshot only																		2.06%
ROIC 3Y Avg	snapshot only																		9.03%
ROIC Economic	snapshot only																		8.05%
Cash ROA	snapshot only																		-1.48%
Cash ROIC	snapshot only																		-9.14%
CROIC	snapshot only																		-9.19%
NOPAT Margin	snapshot only																		9.06%
Pretax Margin	snapshot only																		12.24%
R&D / Revenue	snapshot only																		0.00%
SGA / Revenue	snapshot only																		26.71%
SBC / Revenue	snapshot only																		0.82%

Valuation

Metric	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	14.76	11.90	5.00	4.19	4.87	5.94	6.22	5.60	10.45	7.75	8.66	14.66	16.80	18.71	14.94	17.64	15.20	13.84	11.547
P/S Ratio	6.04	4.69	1.76	1.32	1.36	1.40	1.40	1.32	2.12	1.44	1.43	2.14	2.20	2.35	1.89	2.13	1.62	1.25	1.102
P/B Ratio	1.29	2.02	1.08	1.04	0.87	0.83	0.83	0.79	1.18	0.85	0.86	1.33	1.23	1.36	1.16	1.52	1.27	1.12	0.918
P/FCF	13.14	41.39	2.72	2.91	2.37	1.92	17.74	6.23	37.97	58.56	19.88	-17.41	-10.76	-5.40	-3.50	-6.50	-0.16	-0.15	-0.149
P/OCF	12.19	29.66	2.52	2.46	1.99	1.67	6.32	4.05	14.88	12.24	10.97	—	—	—	—	—	—	—	—
EV/EBITDA	4.74	5.58	1.17	0.85	0.78	0.75	0.78	0.60	2.61	0.75	0.91	3.98	5.09	6.02	4.35	6.60	8.23	7.73	7.733
EV/Revenue	2.61	2.98	0.57	0.39	0.33	0.27	0.28	0.21	0.84	0.23	0.25	1.00	1.16	1.35	0.95	1.32	1.39	1.05	1.049
EV/EBIT	4.77	5.65	1.21	0.88	0.81	0.80	0.83	0.66	3.02	0.89	1.11	5.04	6.67	8.00	5.59	8.18	9.61	8.57	8.566
EV/FCF	5.68	26.32	0.88	0.86	0.56	0.38	3.51	1.01	14.98	9.20	3.47	-8.11	-5.70	-3.10	-1.76	-4.02	-0.14	-0.12	-0.125
Earnings Yield	6.8%	8.4%	20.0%	23.8%	20.5%	16.8%	16.1%	17.9%	9.6%	12.9%	11.5%	6.8%	6.0%	5.3%	6.7%	5.7%	6.6%	7.2%	7.23%
FCF Yield	7.6%	2.4%	36.8%	34.4%	42.2%	52.1%	5.6%	16.1%	2.6%	1.7%	5.0%	-5.7%	-9.3%	-18.5%	-28.6%	-15.4%	-6.1%	-6.7%	-6.70%
PEG Ratio	snapshot only																		0.504
Price/Tangible Book	snapshot only																		1.141
EV/Gross Profit	snapshot only																		1.720
Acquirers Multiple	snapshot only																		8.566
Shareholder Yield	snapshot only																		0.00%
Graham Number	snapshot only																		$19.11

Leverage & Solvency

Metric	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	0.35	0.35	0.35	0.35	0.46	0.46	0.46	0.46	0.40	0.40	0.40	0.40	0.35	0.35	0.35	0.35	8.98	8.98	8.978
Quick Ratio	0.35	0.35	0.35	0.35	0.46	0.46	0.46	0.46	0.40	0.40	0.40	0.40	0.35	0.35	0.35	0.35	8.98	8.98	8.978
Debt/Equity	0.01	0.01	0.01	0.01	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.02	0.02	0.023
Net Debt/Equity	-0.73	-0.73	-0.73	-0.73	-0.66	-0.66	-0.66	-0.66	-0.71	-0.71	-0.71	-0.71	-0.58	-0.58	-0.58	-0.58	-0.18	-0.18	-0.183
Debt/Assets	0.00	0.00	0.00	0.00	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.005
Debt/EBITDA	0.08	0.04	0.03	0.03	0.20	0.24	0.25	0.25	0.23	0.24	0.25	0.27	0.24	0.24	0.23	0.22	0.17	0.19	0.188
Net Debt/EBITDA	-6.23	-3.19	-2.44	-2.02	-2.49	-3.07	-3.16	-3.12	-4.00	-4.04	-4.28	-4.56	-4.52	-4.47	-4.32	-4.07	-1.39	-1.51	-1.514
Interest Coverage	48.14	48.20	42.49	37.18	25.13	11.60	6.25	3.91	2.39	1.87	1.51	1.25	1.10	1.05	1.05	1.08	1.07	0.98	0.983
Equity Multiplier	3.29	3.29	3.29	3.29	2.85	2.85	2.85	2.85	3.78	3.78	3.78	3.78	4.29	4.29	4.29	4.29	5.06	5.06	5.058
Cash Ratio	snapshot only																		7.595
Debt Service Coverage	snapshot only																		1.089
Cash to Debt	snapshot only																		9.037
FCF to Debt	snapshot only																		-329.037
Defensive Interval	snapshot only																		204.4 days

Efficiency & Turnover

Metric	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	0.06	0.13	0.19	0.24	0.23	0.21	0.21	0.22	0.17	0.18	0.19	0.20	0.15	0.15	0.16	0.19	0.17	0.20	0.200
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	15.94	32.03	45.89	59.03	53.32	49.35	49.18	50.23	31.97	33.85	34.76	35.82	27.30	28.16	29.97	34.68	27.86	31.90	31.897
Payables Turnover	58.00	124.85	190.62	289.81	293.20	308.04	341.86	363.63	64.23	72.63	76.52	77.85	25.57	26.32	29.68	40.89	78.81	90.10	90.104
DSO	23	11	8	6	7	7	7	7	11	11	11	10	13	13	12	11	13	11	11.4 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	6	3	2	1	1	1	1	1	6	5	5	5	14	14	12	9	5	4	4.1 days
Cash Conversion Cycle	17	8	6	5	6	6	6	6	6	6	6	6	-1	-1	-0	2	8	7	7.4 days
Fixed Asset Turnover	snapshot only																		9.544
Cash Velocity	snapshot only																		4.331
Capital Intensity	snapshot only																		5.663

Growth (YoY)

Metric	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	—	—	—	—	2.6%	67.5%	16.5%	-7.5%	-4.0%	9.9%	13.2%	14.2%	13.1%	10.1%	14.2%	28.2%	54.6%	71.7%	71.67%
Net Income	—	—	—	—	1.5%	-0.0%	-25.3%	-30.8%	-30.5%	-13.4%	-17.3%	-28.9%	-27.0%	-25.4%	-12.4%	6.1%	26.3%	24.0%	23.95%
EPS	—	—	—	—	1.0%	3.0%	-22.8%	-28.3%	-27.9%	-12.6%	-18.1%	-31.0%	-30.5%	-27.9%	-14.8%	3.3%	24.0%	22.5%	22.51%
FCF	—	—	—	—	3.5%	9.8%	-85.8%	-56.8%	-90.7%	-96.3%	2.8%	-1.7%	-5.1%	-20.5%	-9.6%	-2.4%	-74.1%	-32.2%	-32.19%
EBITDA	—	—	—	—	1.8%	14.6%	-15.1%	-28.7%	-26.2%	-10.0%	-12.5%	-19.0%	-19.3%	-17.7%	-9.6%	2.2%	14.1%	4.0%	3.95%
Op. Income	—	—	—	—	1.7%	9.3%	-17.4%	-33.4%	-33.9%	-19.3%	-24.0%	-29.2%	-28.7%	-26.8%	-13.5%	4.5%	28.1%	24.9%	24.87%
OCF Growth	snapshot only																		-36.59%
Asset Growth	snapshot only																		30.99%
Equity Growth	snapshot only																		11.21%
Debt Growth	snapshot only																		-17.85%
Shares Change	snapshot only																		1.18%

Growth (CAGR)

Metric	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	—	—	—	—	—	—	—	—	—	—	—	—	58.1%	26.6%	14.6%	10.6%	18.9%	27.6%	27.59%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS 3Y	—	—	—	—	—	—	—	—	—	—	—	—	0.6%	-13.4%	-18.6%	-20.1%	-14.7%	-8.2%	-8.24%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	8.0%	-13.6%	-18.5%	-19.5%	-13.8%	-7.2%	-7.16%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 3Y	—	—	—	—	—	—	—	—	—	—	—	—	17.9%	-5.3%	-12.4%	-16.1%	-12.1%	-8.3%	-8.35%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Profit 3Y	—	—	—	—	—	—	—	—	—	—	—	—	47.6%	18.6%	6.9%	1.3%	7.1%	16.0%	16.03%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	7.9%	-13.5%	-18.4%	-21.0%	-15.5%	-9.6%	-9.62%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	—	—	—	—	—	—	—	—	—	—	—	—	25.2%	25.2%	25.2%	25.2%	34.6%	34.6%	34.59%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Equity 3Y	—	—	—	—	—	—	—	—	—	—	—	—	14.6%	14.6%	14.6%	14.6%	11.2%	11.2%	11.21%
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	—	—	6.7%	14.8%	14.4%	13.8%	10.1%	9.9%	9.92%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	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	—	—	—	—	—	—	—	—	0.71	0.89	1.00	0.18	0.68	0.88	1.00	0.67	0.69	0.76	0.761
Earnings Stability	—	—	—	—	—	—	—	—	0.24	0.75	0.97	0.99	0.00	0.85	0.93	0.82	0.00	0.64	0.641
Margin Stability	—	—	—	—	—	—	—	—	0.92	0.91	0.91	0.92	0.91	0.91	0.90	0.89	0.87	0.88	0.885
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
FCF Positive Streak	0	0	0	0	1	1	1	1	1	1	1	0	0	0	0	0	0	0	0
Earnings Persistence	—	—	—	—	—	—	—	—	0.88	0.95	0.93	0.88	0.89	0.90	0.95	0.98	0.89	0.90	0.904
Earnings Smoothness	—	—	—	—	0.15	1.00	0.71	0.64	0.64	0.86	0.81	0.66	0.69	0.71	0.87	0.94	0.77	0.79	0.786
ROE Trend	—	—	—	—	—	—	—	—	-0.02	-0.05	-0.08	-0.10	-0.07	-0.05	-0.04	-0.03	-0.01	-0.01	-0.010
Gross Margin Trend	—	—	—	—	—	—	—	—	-0.11	-0.11	-0.11	-0.09	-0.07	-0.05	-0.05	-0.10	-0.13	-0.12	-0.118
FCF Margin Trend	—	—	—	—	—	—	—	—	-0.46	-0.40	-0.29	-0.45	-0.52	-0.81	-0.62	-0.37	-9.83	-8.20	-8.201
Sustainable Growth Rate	8.8%	16.9%	21.7%	24.8%	19.6%	15.3%	14.6%	15.5%	11.8%	11.4%	10.5%	9.5%	7.8%	7.7%	8.2%	9.1%	8.8%	8.5%	8.52%
Internal Growth Rate	2.7%	5.4%	7.0%	8.2%	6.9%	5.3%	5.0%	5.4%	3.7%	3.5%	3.2%	2.9%	2.0%	1.9%	2.1%	2.3%	1.9%	1.8%	1.85%

Cash Flow Quality

Metric	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	1.21	0.40	1.99	1.71	2.45	3.55	0.98	1.38	0.70	0.63	0.79	-0.42	-1.18	-3.04	-3.63	-2.39	-92.16	-92.20	-92.197
FCF/OCF	0.93	0.72	0.93	0.84	0.84	0.87	0.36	0.65	0.39	0.21	0.55	2.01	1.33	1.14	1.18	1.13	1.01	1.01	1.006
FCF/Net Income	snapshot only																		-92.748
OCF/EBITDA	snapshot only																		-61.619
CapEx/Revenue	3.6%	4.5%	5.2%	8.4%	11.2%	10.7%	14.3%	11.3%	8.7%	9.3%	5.8%	6.2%	5.0%	5.3%	8.1%	3.9%	6.8%	5.0%	5.01%
CapEx/Depreciation	snapshot only																		3.800
Accruals Ratio	-0.01	0.03	-0.06	-0.05	-0.09	-0.13	0.00	-0.02	0.01	0.01	0.01	0.04	0.04	0.08	0.09	0.08	1.74	1.69	1.692
Sloan Accruals	snapshot only																		0.461
Cash Flow Adequacy	snapshot only																		-166.756
Earnings Quality Score	snapshot only																		0.250

Dividends & Buybacks

Metric	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	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—	—	—	—	—
Total Payout Ratio	0.0%	0.0%	0.0%	0.7%	4.5%	6.9%	18.8%	28.5%	27.2%	27.8%	18.2%	3.3%	3.6%	2.2%	0.0%	0.0%	0.0%	0.0%	0.00%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.0%	0.0%	0.0%	0.2%	0.9%	1.2%	3.0%	5.1%	2.6%	3.6%	2.1%	0.2%	0.2%	0.1%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	0.0%	0.0%	0.0%	0.2%	0.9%	1.2%	3.0%	5.1%	2.6%	3.6%	2.1%	0.2%	0.2%	0.1%	-0.0%	-0.0%	-0.2%	-0.2%	-0.21%
Total Shareholder Return	0.0%	0.0%	0.0%	0.2%	0.9%	1.2%	3.0%	5.1%	2.6%	3.6%	2.1%	0.2%	0.2%	0.1%	-0.0%	-0.0%	-0.2%	-0.2%	-0.21%

DuPont Factors

Metric	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)	0.75	0.75	0.75	0.71	0.70	0.68	0.68	0.74	0.73	0.73	0.74	0.74	0.75	0.75	0.75	0.75	0.74	0.74	0.740
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	1.000
EBIT Margin	0.55	0.53	0.47	0.44	0.40	0.34	0.33	0.32	0.28	0.25	0.22	0.20	0.17	0.17	0.17	0.16	0.14	0.12	0.122
Asset Turnover	0.06	0.13	0.19	0.24	0.23	0.21	0.21	0.22	0.17	0.18	0.19	0.20	0.15	0.15	0.16	0.19	0.17	0.20	0.200
Equity Multiplier	3.29	3.29	3.29	3.29	3.05	3.05	3.05	3.05	3.34	3.34	3.34	3.34	4.05	4.05	4.05	4.05	4.70	4.70	4.696

Per Share

Metric	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)	$0.93	$1.44	$1.87	$2.15	$1.90	$1.48	$1.44	$1.54	$1.37	$1.30	$1.18	$1.06	$0.95	$0.94	$1.00	$1.10	$1.18	$1.15	$1.15
Book Value/Share	$10.67	$8.51	$8.60	$8.66	$10.63	$10.66	$10.81	$10.92	$12.16	$11.89	$11.83	$11.70	$12.97	$12.88	$12.89	$12.76	$14.17	$14.16	$15.10
Tangible Book/Share	$10.67	$8.51	$8.60	$8.66	$10.63	$10.66	$10.81	$10.92	$12.16	$11.89	$11.83	$11.70	$12.97	$12.88	$12.89	$12.76	$13.91	$13.90	$13.90
Revenue/Share	$2.28	$3.65	$5.29	$6.86	$6.79	$6.31	$6.37	$6.57	$6.76	$7.00	$7.15	$7.28	$7.28	$7.45	$7.94	$9.09	$11.05	$12.65	$13.25
FCF/Share	$1.05	$0.41	$3.43	$3.10	$3.91	$4.59	$0.50	$1.39	$0.38	$0.17	$0.51	$-0.90	$-1.48	$-3.24	$-4.29	$-2.98	$-109.52	$-106.32	$-111.40
OCF/Share	$1.13	$0.58	$3.71	$3.68	$4.66	$5.27	$1.42	$2.13	$0.96	$0.82	$0.93	$-0.45	$-1.12	$-2.84	$-3.65	$-2.63	$-108.77	$-105.68	$-110.74
Cash/Share	$7.93	$6.32	$6.39	$6.44	$7.61	$7.63	$7.74	$7.82	$9.17	$8.97	$8.92	$8.82	$7.92	$7.87	$7.87	$7.79	$2.92	$2.92	$0.48
EBITDA/Share	$1.26	$1.95	$2.59	$3.15	$2.83	$2.31	$2.27	$2.32	$2.17	$2.10	$1.97	$1.83	$1.66	$1.67	$1.73	$1.82	$1.86	$1.72	$1.72
Debt/Share	$0.10	$0.08	$0.08	$0.08	$0.55	$0.56	$0.56	$0.57	$0.51	$0.50	$0.49	$0.49	$0.40	$0.40	$0.40	$0.39	$0.32	$0.32	$0.32
Net Debt/Share	$-7.83	$-6.24	$-6.31	$-6.36	$-7.05	$-7.08	$-7.18	$-7.25	$-8.66	$-8.47	$-8.43	$-8.33	$-7.52	$-7.47	$-7.47	$-7.40	$-2.60	$-2.60	$-2.60

Academic Models

Metric	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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.084
Altman Z-Prime	snapshot only																		1.157
Piotroski F-Score	4	3	4	4	7	7	6	6	4	4	3	3	2	3	3	3	5	5	5
Beneish M-Score	—	—	—	—	3.17	4.80	3.29	2.62	0.28	-0.10	0.12	0.16	-1.47	-1.38	-1.27	-1.16	5.16	4.66	4.656
Ohlson O-Score	snapshot only																		-1.688
ROIC (Greenblatt)	snapshot only																		35.25%
Net-Net WC	snapshot only																		$-54.01
EVA	snapshot only																		$-138600.00

Credit

Metric	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	92.49	98.09	98.02	98.04	98.10	98.08	96.83	97.96	95.11	92.30	94.96	72.44	70.01	70.03	72.20	71.37	86.24	85.90	85.899
Credit Grade	snapshot only																		3
Credit Trend	snapshot only																		15.868
Implied Spread (bps)	snapshot only																		80.000
Industry Credit Rank	snapshot only																		89
Sector Credit Rank	snapshot only																		80

FINW 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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