$43.27

-0.11 (-0.25%)

Weekly Expected Move ±2.3%

$40 $41 $42 $43 $44

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 64 · $1.6B mcap · 36M float · 0.414% daily turnover · Short 67% of daily vol

Edge Score

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

NARROW EDGE

60.1 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 121.9% · 5Y Avg: 7.2%

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. GABC has a Narrow competitive edge (60.1/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. ROIC of 121.9% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

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

Analyst Price Targets

$49

Low

$49

Avg Target

$49

High

Based on 1 analyst since Apr 27, 2026 earnings

Analyst Recommendations

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

Rating Summary

ConsensusHold

Avg Target$49.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-29	Stephens	Brandon Rud	$45	$49	+4	+13.3%	$43.23
2026-01-29	Piper Sandler	Nathan Race	Initiated	$47	—	+15.5%	$40.68
2024-10-29	Hovde Group	Brendan Nosal	Initiated	$48	—	+19.3%	$40.23
2024-10-14	Stephens	Brandon Rud	Initiated	$45	—	+13.8%	$39.55
2024-07-31	Raymond James	David Long	$38	$44	+6	+8.0%	$40.75
2024-01-05	Raymond James	David Long	Initiated	$38	—	+17.5%	$32.34

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

Rating Change History

Date	From	To
2026-05-04	A	A-
2026-04-30	B+	A
2026-04-22	A-	B+
2026-04-21	A	A-
2026-04-01	B+	A
2026-03-09	B	B+
2026-03-05	B+	B
2026-02-04	B	B+
2026-01-05	B+	B
2026-01-03	B	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.

★ ★ ★ ★ ★ 70 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. GABC scores highest in Momentum (97/100) and lowest in Balance Sheet (53/100). An overall grade of A+ places GABC 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

3.45

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-2.42

Unlikely Manipulator

Ohlson O-Score

-4.23

Bankruptcy prob: 1.4%

Low Risk

Credit Rating

AA+

Score: 90.9/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.17x

Accruals: -0.3%

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. GABC scores 3.45, 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. GABC 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. GABC's score of -2.42 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. GABC's implied 1.4% 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. GABC receives an estimated rating of AA+ (score: 90.9/100), 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). GABC's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

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

P/E

12.00x

PEG

0.26x

P/S

3.26x

P/B

1.38x

P/FCF

10.23x

P/OCF

9.90x

EV/EBITDA

2.70x

EV/Revenue

1.03x

EV/EBIT

3.07x

EV/FCF

3.37x

Earnings Yield

8.63%

FCF Yield

9.78%

Shareholder Yield

2.81%

Graham Number

$50.13

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 12.0x earnings, GABC trades at a reasonable valuation. An earnings yield of 8.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $50.13 per share, suggesting a potential 16% 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

0.803

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.337

EBIT / Rev

Asset Turnover

0.068

Rev / Assets

Equity Multiplier

7.822

Assets / Equity

ROE

14.4%

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. GABC's ROE of 14.4% is driven by financial leverage (equity multiplier: 7.82x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

4.37%

Fair P/E

17.25x

Intrinsic Value

$62.19

Price/Value

0.67x

Margin of Safety

32.80%

Premium

-32.80%

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 GABC's realized 4.4% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $62.19, GABC appears undervalued with a 33% margin of safety. The adjusted fair P/E of 17.2x compares to the current market P/E of 12.0x.

Profitability Trends

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

Leverage & Solvency Trends

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

Efficiency & Working Capital Trends

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

Growth Trends (YoY %)

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

Earnings Stability

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

Monte Carlo Price Simulation

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

Current Price

$43.27

Median 1Y

$44.80

5th Pctile

$27.17

95th Pctile

$74.03

Ann. Volatility

30.4%

Analyst Target

$49.00

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
D. Neil Dauby, Chairman and Chief Executive Officer	$770,000	$517,464	$2,068,536
Bradley M. Rust, President and Chief Financial Officer	$525,000	$282,268	$1,272,697
Michael F. Beckwith, Executive Vice President and Chief Banking Officer	$410,000	$192,897	$898,067
Amy D. Jackson, Executive Vice President and Chief Administrative Officer	$380,000	$178,784	$837,470
Bradley C. Arnett, Executive Vice President, Chief Legal Officer and Corporate Secretary	$315,000	$148,191	$696,287

CEO Pay Ratio

16:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,068,536

Avg Employee Cost (SGA/emp): $129,447

Employees: 984

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

984

-3.5% YoY

Revenue / Employee

$495,326

Rev: $487,401,000

Profit / Employee

$114,466

NI: $112,635,000

SGA / Employee

$129,447

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	13.2%	14.3%	13.0%	11.4%	11.4%	11.9%	13.3%	15.3%	15.0%	14.5%	14.1%	13.8%	13.5%	13.4%	12.2%	10.9%	12.5%	14.5%	12.0%	14.4%	14.41%
ROA	1.7%	1.8%	1.6%	1.4%	1.4%	1.4%	1.4%	1.6%	1.6%	1.5%	1.4%	1.4%	1.3%	1.3%	1.3%	1.2%	1.4%	1.6%	1.5%	1.8%	1.84%
ROIC	-17.2%	-18.7%	-7.5%	-6.6%	-6.6%	-6.9%	-7.6%	-8.7%	-8.5%	-8.3%	-10.5%	-10.3%	-10.1%	-10.0%	-42.0%	-37.7%	-43.1%	-50.2%	1.0%	1.2%	1.22%
ROCE	12.7%	13.8%	13.7%	11.7%	11.6%	12.2%	15.0%	17.4%	17.1%	16.4%	12.4%	12.2%	12.2%	12.1%	11.4%	10.4%	11.7%	13.7%	10.3%	12.4%	12.43%
Gross Margin	1.0%	99.5%	92.7%	88.4%	95.6%	92.7%	88.0%	83.3%	79.8%	76.4%	74.1%	71.3%	49.7%	69.8%	71.2%	59.5%	72.0%	73.9%	74.0%	76.5%	76.53%
Operating Margin	52.9%	44.6%	38.7%	14.9%	42.7%	43.5%	40.2%	33.5%	34.3%	32.4%	30.8%	27.6%	51.0%	29.0%	31.6%	12.0%	31.8%	34.6%	34.6%	33.9%	33.93%
Net Margin	42.4%	36.3%	33.3%	13.9%	35.2%	34.8%	32.8%	27.6%	28.2%	26.7%	26.0%	22.6%	39.3%	23.8%	25.6%	9.5%	25.5%	27.7%	28.2%	27.0%	26.97%
EBITDA Margin	56.9%	48.3%	42.2%	18.9%	46.5%	47.0%	43.3%	36.7%	37.4%	35.3%	33.7%	30.3%	55.4%	31.6%	34.2%	15.4%	35.7%	38.7%	45.0%	33.9%	33.93%
FCF Margin	39.3%	45.5%	41.8%	47.1%	39.1%	38.7%	36.7%	31.1%	35.4%	31.8%	31.3%	28.3%	30.0%	29.2%	28.8%	30.6%	27.6%	31.2%	31.6%	30.7%	30.71%
OCF Margin	41.7%	47.5%	43.9%	50.4%	42.3%	41.8%	39.6%	33.1%	37.8%	34.1%	33.1%	29.9%	31.4%	30.7%	30.4%	32.1%	28.6%	32.2%	32.7%	31.7%	31.73%
ROE 3Y Avg	snapshot only																				11.61%
ROE 5Y Avg	snapshot only																				12.52%
ROA 3Y Avg	snapshot only																				1.39%
ROIC Economic	snapshot only																				10.13%
Cash ROA	snapshot only																				1.89%
Cash ROIC	snapshot only																				1.43%
CROIC	snapshot only																				1.38%
NOPAT Margin	snapshot only																				27.09%
Pretax Margin	snapshot only																				33.74%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				19.52%
SBC / Revenue	snapshot only																				0.58%

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	11.02	10.58	10.94	13.57	12.34	12.44	12.26	9.65	8.09	8.42	10.51	11.58	12.17	13.52	13.82	16.89	15.90	14.23	13.04	11.59	12.001
P/S Ratio	3.81	3.92	4.01	4.19	3.63	3.65	3.61	3.14	2.49	2.42	2.85	2.99	3.36	3.61	3.67	3.71	3.31	3.16	3.01	3.14	3.256
P/B Ratio	1.39	1.45	1.38	1.50	1.36	1.43	1.80	1.62	1.33	1.34	1.36	1.47	1.51	1.67	1.62	1.78	1.91	1.99	1.26	1.35	1.382
P/FCF	9.70	8.61	9.57	8.88	9.29	9.43	9.81	10.09	7.03	7.62	9.11	10.57	11.17	12.39	12.77	12.14	12.02	10.11	9.54	10.23	10.227
P/OCF	9.14	8.24	9.13	8.30	8.58	8.72	9.11	9.48	6.59	7.11	8.61	10.02	10.67	11.78	12.10	11.58	11.60	9.81	9.22	9.90	9.896
EV/EBITDA	-2.00	-1.52	-7.75	-8.07	-9.07	-8.19	-5.77	-5.86	-7.26	-7.53	-5.12	-4.58	-4.32	-3.38	2.15	3.40	3.79	3.62	2.50	2.70	2.695
EV/Revenue	-0.93	-0.75	-3.76	-3.29	-3.51	-3.18	-2.27	-2.54	-2.98	-2.87	-1.83	-1.56	-1.60	-1.21	0.77	1.04	1.10	1.13	0.86	1.03	1.034
EV/EBIT	-2.19	-1.65	-8.41	-8.90	-10.05	-9.07	-6.36	-6.37	-7.89	-8.20	-5.59	-5.01	-4.72	-3.69	2.34	3.79	4.25	4.09	2.98	3.07	3.066
EV/FCF	-2.38	-1.66	-8.99	-6.99	-8.99	-8.21	-6.18	-8.16	-8.41	-9.03	-5.85	-5.52	-5.31	-4.16	2.69	3.41	3.99	3.62	2.71	3.37	3.369
Earnings Yield	9.1%	9.4%	9.1%	7.4%	8.1%	8.0%	8.2%	10.4%	12.4%	11.9%	9.5%	8.6%	8.2%	7.4%	7.2%	5.9%	6.3%	7.0%	7.7%	8.6%	8.63%
FCF Yield	10.3%	11.6%	10.4%	11.3%	10.8%	10.6%	10.2%	9.9%	14.2%	13.1%	11.0%	9.5%	9.0%	8.1%	7.8%	8.2%	8.3%	9.9%	10.5%	9.8%	9.78%
PEG Ratio	snapshot only																				0.259
Price/Tangible Book	snapshot only																				2.082
EV/OCF	snapshot only																				3.260
EV/Gross Profit	snapshot only																				1.396
Acquirers Multiple	snapshot only																				3.066
Shareholder Yield	snapshot only																				2.81%
Graham Number	snapshot only																				$50.13

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	0.31	0.31	0.41	0.41	0.41	0.41	0.36	0.36	0.36	0.36	0.32	0.32	0.32	0.32	0.21	0.21	0.21	0.21	0.18	0.18	0.175
Quick Ratio	0.31	0.31	0.41	0.41	0.41	0.41	0.36	0.36	0.36	0.36	0.32	0.32	0.32	0.32	0.21	0.21	0.21	0.21	0.18	0.18	0.175
Debt/Equity	0.31	0.31	0.23	0.23	0.23	0.23	0.36	0.36	0.36	0.36	0.29	0.29	0.29	0.29	0.29	0.29	0.29	0.29	0.16	0.16	0.157
Net Debt/Equity	-1.73	-1.73	-2.67	-2.67	-2.67	-2.67	-2.93	-2.93	-2.93	-2.93	-2.23	-2.23	-2.23	-2.23	-1.28	-1.28	-1.28	-1.28	-0.90	-0.90	-0.905
Debt/Assets	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.02	0.02	0.022
Debt/EBITDA	1.83	1.69	1.36	1.56	1.57	1.50	1.86	1.64	1.66	1.73	1.71	1.75	1.75	1.76	1.85	2.00	1.75	1.49	1.09	0.95	0.953
Net Debt/EBITDA	-10.16	-9.41	-16.00	-18.33	-18.45	-17.60	-14.95	-13.11	-13.34	-13.88	-13.09	-13.35	-13.39	-13.45	-8.07	-8.72	-7.62	-6.49	-6.30	-5.49	-5.486
Interest Coverage	8.29	10.28	10.76	9.47	9.12	7.57	5.41	4.18	2.82	2.03	1.57	1.30	1.15	1.05	1.04	0.88	0.93	1.03	1.11	1.37	1.368
Equity Multiplier	7.97	7.97	8.39	8.39	8.39	8.39	11.02	11.02	11.02	11.02	9.27	9.27	9.27	9.27	8.80	8.80	8.80	8.80	7.22	7.22	7.217
Cash Ratio	snapshot only																				0.175
Debt Service Coverage	snapshot only																				1.556
Cash to Debt	snapshot only																				6.755
FCF to Debt	snapshot only																				0.839
Defensive Interval	snapshot only																				2235.0 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.07	0.07	0.07	0.07	0.068
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	5.17	5.25	5.25	5.46	5.71	5.98	3.32	3.44	3.57	3.69	5.11	5.25	4.83	4.96	—	—	—	—	—	—	—
Payables Turnover	0.24	0.08	0.06	0.20	0.32	0.42	0.57	0.68	0.97	1.29	3.14	3.67	4.15	4.50	—	—	—	—	—	—	—
DSO	71	69	69	67	64	61	110	106	102	99	71	69	76	74	0	0	0	0	0	0	0.0 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	1492	4610	5710	1828	1155	872	645	536	375	283	116	99	88	81	0	0	0	0	0	0	—
Cash Conversion Cycle	-1422	-4540	-5640	-1761	-1091	-811	-535	-430	-272	-184	-45	-30	-12	-7	0	0	0	0	0	0	—
Fixed Asset Turnover	snapshot only																				3.592
Cash Velocity	snapshot only																				0.405
Capital Intensity	snapshot only																				16.802

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	-1.4%	1.8%	0.4%	4.8%	9.7%	12.8%	21.0%	20.7%	19.6%	18.1%	14.0%	13.0%	0.1%	-0.5%	-0.5%	5.2%	38.1%	46.9%	54.5%	45.8%	45.84%
Net Income	41.8%	50.1%	35.2%	6.3%	-6.7%	-10.6%	-2.7%	27.0%	25.0%	15.8%	5.0%	-10.1%	-10.3%	-7.5%	-2.4%	-10.5%	4.4%	22.0%	34.4%	79.6%	79.63%
EPS	41.6%	49.8%	35.0%	-4.2%	-16.0%	-19.5%	-12.4%	26.6%	24.6%	15.4%	4.6%	-10.4%	-10.5%	-7.9%	-2.8%	-23.6%	-14.2%	-1.0%	6.4%	66.0%	66.04%
FCF	4.9%	58.1%	12.7%	27.2%	8.9%	-4.0%	6.3%	-20.4%	8.4%	-3.0%	-3.1%	2.9%	-15.0%	-8.7%	-8.4%	13.7%	26.6%	57.4%	69.8%	46.3%	46.31%
EBITDA	39.9%	47.3%	32.1%	3.8%	-9.2%	-11.8%	-2.0%	27.9%	26.6%	16.0%	3.6%	-10.9%	-9.7%	-6.4%	0.1%	-5.5%	8.4%	27.9%	47.3%	82.6%	82.62%
Op. Income	45.4%	54.0%	37.0%	4.6%	-10.2%	-13.4%	-3.5%	29.9%	29.1%	17.9%	4.5%	-11.5%	-10.2%	-6.7%	0.4%	-7.2%	5.5%	23.8%	34.6%	78.7%	78.72%
OCF Growth	snapshot only																				44.24%
Asset Growth	snapshot only																				33.24%
Equity Growth	snapshot only																				62.55%
Debt Growth	snapshot only																				-13.06%
Shares Change	snapshot only																				8.18%
Dividend Growth	snapshot only																				26.93%

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	14.6%	13.7%	10.4%	8.9%	8.4%	7.1%	7.8%	8.3%	9.0%	10.7%	11.5%	12.6%	9.5%	9.9%	11.1%	12.8%	18.2%	20.0%	20.6%	20.1%	20.12%
Revenue 5Y	13.6%	12.7%	11.2%	11.2%	12.1%	13.0%	14.2%	14.5%	14.6%	14.4%	13.2%	12.0%	8.8%	7.6%	7.3%	8.6%	12.3%	14.7%	16.3%	17.0%	17.00%
EPS 3Y	15.6%	16.3%	19.4%	7.9%	4.9%	8.4%	7.7%	14.3%	14.0%	11.7%	7.3%	2.8%	-2.2%	-5.0%	-3.8%	-4.6%	-1.5%	1.7%	2.7%	4.4%	4.37%
EPS 5Y	17.5%	17.6%	15.6%	7.7%	7.6%	8.8%	9.4%	11.1%	10.1%	7.9%	9.3%	7.3%	5.2%	6.3%	4.9%	0.4%	2.6%	4.9%	5.1%	6.6%	6.64%
Net Income 3Y	21.3%	22.0%	21.8%	13.9%	10.9%	12.1%	11.4%	18.2%	18.2%	15.8%	11.4%	6.7%	1.5%	-1.4%	-0.1%	0.7%	5.4%	9.3%	11.2%	13.1%	13.07%
Net Income 5Y	21.0%	21.2%	19.0%	13.2%	13.2%	14.4%	15.0%	16.9%	15.8%	13.5%	13.0%	11.1%	8.9%	8.6%	7.2%	5.9%	9.1%	11.9%	12.6%	14.3%	14.31%
EBITDA 3Y	22.3%	23.6%	21.5%	13.5%	10.3%	11.5%	11.0%	17.3%	17.2%	14.7%	10.3%	5.8%	1.3%	-1.4%	0.5%	2.5%	7.4%	11.6%	15.2%	15.4%	15.43%
EBITDA 5Y	18.3%	18.0%	15.9%	10.2%	10.3%	11.8%	13.9%	16.6%	16.0%	14.1%	12.7%	10.8%	9.0%	8.5%	7.3%	6.3%	9.5%	12.5%	14.6%	15.4%	15.36%
Gross Profit 3Y	16.9%	17.8%	14.9%	12.9%	11.8%	10.5%	11.0%	11.6%	11.1%	10.6%	8.9%	6.6%	-1.2%	-2.9%	-2.2%	-1.6%	6.2%	9.0%	10.5%	12.7%	12.72%
Gross Profit 5Y	14.0%	14.0%	12.5%	11.8%	12.4%	13.0%	14.3%	14.3%	13.7%	12.6%	10.6%	9.0%	4.4%	3.1%	2.7%	3.3%	8.5%	10.9%	12.2%	12.8%	12.82%
Op. Income 3Y	22.2%	24.0%	22.4%	14.0%	10.7%	12.2%	11.7%	18.9%	19.0%	16.3%	11.4%	6.4%	1.4%	-1.6%	0.4%	2.2%	6.9%	10.9%	12.2%	13.7%	13.67%
Op. Income 5Y	18.4%	18.2%	15.9%	9.7%	9.8%	11.3%	13.7%	16.6%	16.2%	14.2%	13.1%	11.3%	9.5%	9.2%	7.9%	6.7%	9.8%	12.7%	13.3%	14.8%	14.82%
FCF 3Y	32.8%	42.0%	26.9%	29.5%	38.2%	20.7%	22.3%	11.3%	7.4%	13.7%	5.1%	1.4%	0.1%	-5.3%	-1.9%	-2.3%	5.3%	11.7%	14.7%	19.6%	19.64%
FCF 5Y	16.7%	27.5%	21.3%	19.5%	22.9%	18.5%	18.5%	22.5%	22.6%	21.7%	16.1%	12.2%	19.4%	9.3%	10.2%	10.0%	5.9%	16.2%	12.5%	11.6%	11.63%
OCF 3Y	20.0%	27.2%	17.4%	23.5%	31.4%	18.6%	19.0%	8.9%	5.9%	11.6%	4.3%	0.7%	-0.4%	-5.1%	-1.7%	-3.0%	3.7%	9.9%	13.1%	18.5%	18.49%
OCF 5Y	16.7%	25.8%	19.2%	17.7%	20.3%	15.6%	14.9%	15.7%	15.5%	14.5%	11.0%	8.7%	15.1%	7.5%	8.0%	8.3%	4.4%	14.0%	11.5%	10.7%	10.73%
Assets 3Y	16.5%	16.5%	12.6%	12.6%	12.6%	12.6%	11.9%	11.9%	11.9%	11.9%	7.3%	7.3%	7.3%	7.3%	3.9%	3.9%	3.9%	3.9%	10.9%	10.9%	10.87%
Assets 5Y	16.0%	16.0%	13.7%	13.7%	13.7%	13.7%	14.4%	14.4%	14.4%	14.4%	9.4%	9.4%	9.4%	9.4%	7.4%	7.4%	7.4%	7.4%	11.0%	11.0%	11.00%
Equity 3Y	19.7%	19.7%	13.4%	13.4%	13.4%	13.4%	-0.9%	-0.9%	-0.9%	-0.9%	2.0%	2.0%	2.0%	2.0%	2.3%	2.3%	2.3%	2.3%	27.7%	27.7%	27.68%
Book Value 3Y	14.0%	14.0%	11.1%	7.4%	7.3%	9.6%	-4.2%	-4.2%	-4.5%	-4.5%	-1.6%	-1.6%	-1.7%	-1.7%	-1.5%	-3.2%	-4.4%	-4.8%	17.9%	17.9%	17.86%
Dividend 3Y	-1.5%	-1.5%	1.2%	-1.2%	-0.5%	2.5%	3.2%	2.2%	0.9%	0.0%	-0.8%	-0.9%	-1.0%	-1.0%	-1.1%	-0.7%	0.1%	1.4%	2.2%	-0.1%	-0.06%

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	0.93	0.92	0.90	0.93	0.93	0.93	0.90	0.91	0.93	0.96	0.95	0.95	0.94	0.90	0.87	0.91	0.78	0.77	0.75	0.83	0.825
Earnings Stability	0.92	0.88	0.93	0.97	0.88	0.85	0.93	0.96	0.91	0.84	0.89	0.87	0.76	0.66	0.72	0.45	0.59	0.64	0.72	0.50	0.505
Margin Stability	0.94	0.93	0.93	0.94	0.93	0.93	0.93	0.94	0.93	0.92	0.91	0.91	0.88	0.86	0.86	0.85	0.86	0.87	0.87	0.86	0.860
Rev. Growth Consistency	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.000
Earn. Growth Consistency	1.00	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	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	0.83	0.50	0.86	0.97	0.97	0.96	0.99	0.89	0.90	0.94	0.98	0.96	0.96	0.97	0.99	0.96	0.98	0.91	0.86	0.50	0.500
Earnings Smoothness	0.65	0.60	0.70	0.94	0.93	0.89	0.97	0.76	0.78	0.85	0.95	0.89	0.89	0.92	0.98	0.89	0.96	0.80	0.71	0.43	0.430
ROE Trend	0.02	0.03	0.02	0.01	-0.00	-0.00	0.03	0.06	0.05	0.03	-0.01	-0.01	-0.01	-0.01	-0.02	-0.04	-0.02	-0.00	-0.03	0.00	0.000
Gross Margin Trend	0.12	0.15	0.15	0.11	0.06	0.02	-0.00	-0.03	-0.09	-0.14	-0.17	-0.18	-0.20	-0.19	-0.17	-0.19	-0.10	-0.06	-0.03	0.05	0.046
FCF Margin Trend	0.11	0.17	0.11	0.13	0.01	0.01	-0.03	-0.12	-0.04	-0.10	-0.08	-0.11	-0.07	-0.06	-0.05	0.01	-0.05	0.01	0.02	0.01	0.013
Sustainable Growth Rate	9.6%	10.7%	9.6%	7.8%	7.6%	7.9%	8.9%	10.7%	10.4%	9.8%	9.2%	8.8%	8.5%	8.3%	7.5%	5.9%	7.0%	8.7%	7.4%	9.7%	9.72%
Internal Growth Rate	1.2%	1.4%	1.2%	1.0%	0.9%	1.0%	0.9%	1.1%	1.1%	1.0%	0.9%	0.9%	0.9%	0.8%	0.8%	0.7%	0.8%	1.0%	1.0%	1.3%	1.26%

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	1.21	1.28	1.20	1.64	1.44	1.43	1.34	1.02	1.23	1.18	1.22	1.16	1.14	1.15	1.14	1.46	1.37	1.45	1.41	1.17	1.171
FCF/OCF	0.94	0.96	0.95	0.93	0.92	0.93	0.93	0.94	0.94	0.93	0.95	0.95	0.96	0.95	0.95	0.95	0.96	0.97	0.97	0.97	0.968
FCF/Net Income	snapshot only																				1.133
OCF/EBITDA	snapshot only																				0.827
CapEx/Revenue	2.4%	2.0%	2.0%	3.3%	3.2%	3.1%	2.8%	2.0%	2.4%	2.3%	1.8%	1.6%	1.4%	1.5%	1.6%	1.5%	1.0%	1.0%	1.1%	1.0%	1.03%
CapEx/Depreciation	snapshot only																				0.221
Accruals Ratio	-0.00	-0.01	-0.00	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.003
Sloan Accruals	snapshot only																				-0.213
Cash Flow Adequacy	snapshot only																				3.222
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	2.4%	2.4%	2.4%	2.3%	2.7%	2.7%	2.7%	3.1%	3.8%	3.9%	3.3%	3.1%	3.0%	2.8%	2.7%	2.7%	2.7%	2.8%	2.9%	2.8%	2.77%
Dividend/Share	$0.80	$0.82	$0.84	$0.80	$0.83	$0.88	$0.92	$0.94	$0.95	$0.97	$1.00	$1.01	$1.03	$1.05	$1.07	$1.00	$1.04	$1.11	$1.15	$1.17	$1.20
Payout Ratio	26.8%	25.3%	26.4%	31.8%	33.5%	33.7%	33.0%	29.5%	30.7%	32.5%	34.3%	35.7%	37.1%	38.1%	38.0%	46.1%	43.6%	40.4%	38.4%	32.6%	32.56%
FCF Payout Ratio	23.6%	20.6%	23.1%	20.8%	25.2%	25.5%	26.4%	30.9%	26.7%	29.4%	29.7%	32.6%	34.1%	34.9%	35.1%	33.1%	33.0%	28.7%	28.1%	28.7%	28.73%
Total Payout Ratio	26.8%	25.3%	26.4%	42.2%	43.9%	43.7%	42.4%	29.5%	30.7%	32.5%	34.3%	35.7%	37.1%	38.1%	38.0%	46.1%	43.6%	40.4%	38.4%	32.6%	32.56%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.13	0.13	0.13	0.16	0.19	0.22	0.24	0.21	0.18	0.16	0.12	0.12	0.12	0.11	0.11	0.18	0.25	0.32	0.39	0.30	0.297
Buyback Yield	0.0%	0.0%	0.0%	0.8%	0.8%	0.8%	0.8%	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%
Net Buyback 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%	0.0%	0.0%	0.00%
Total Shareholder Return	2.4%	2.4%	2.4%	2.3%	2.7%	2.7%	2.7%	3.1%	3.8%	3.9%	3.3%	3.1%	3.0%	2.8%	2.7%	2.7%	2.7%	2.8%	2.9%	2.8%	2.81%

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)	0.81	0.81	0.82	0.83	0.84	0.84	0.83	0.82	0.82	0.82	0.83	0.83	0.81	0.81	0.81	0.80	0.81	0.80	0.80	0.80	0.803
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	0.43	0.46	0.45	0.37	0.35	0.35	0.36	0.40	0.38	0.35	0.33	0.31	0.34	0.33	0.33	0.28	0.26	0.28	0.29	0.34	0.337
Asset Turnover	0.05	0.05	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	0.06	0.07	0.07	0.07	0.07	0.068
Equity Multiplier	7.82	7.82	8.19	8.19	8.19	8.19	9.59	9.59	9.59	9.59	10.07	10.07	10.07	10.07	9.03	9.03	9.03	9.03	7.82	7.82	7.822

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)	$2.97	$3.23	$3.17	$2.50	$2.50	$2.60	$2.78	$3.17	$3.11	$3.00	$2.90	$2.84	$2.78	$2.77	$2.82	$2.17	$2.39	$2.74	$3.00	$3.61	$3.61
Book Value/Share	$23.53	$23.53	$25.18	$22.73	$22.67	$22.67	$18.94	$18.92	$18.88	$18.88	$22.44	$22.42	$22.37	$22.36	$24.09	$20.62	$19.81	$19.56	$31.00	$30.98	$31.31
Tangible Book/Share	$18.60	$18.60	$20.37	$18.39	$18.34	$18.34	$12.50	$12.49	$12.46	$12.46	$16.12	$16.11	$16.07	$16.07	$17.93	$15.34	$14.74	$14.55	$20.09	$20.07	$20.07
Revenue/Share	$8.59	$8.73	$8.66	$8.12	$8.48	$8.87	$9.43	$9.76	$10.11	$10.44	$10.72	$11.00	$10.09	$10.35	$10.63	$9.87	$11.45	$12.35	$13.00	$13.31	$13.31
FCF/Share	$3.38	$3.97	$3.62	$3.83	$3.31	$3.43	$3.47	$3.03	$3.58	$3.32	$3.35	$3.11	$3.03	$3.02	$3.06	$3.02	$3.16	$3.86	$4.11	$4.09	$4.09
OCF/Share	$3.58	$4.15	$3.80	$4.10	$3.59	$3.71	$3.73	$3.23	$3.82	$3.56	$3.54	$3.28	$3.17	$3.17	$3.23	$3.17	$3.27	$3.98	$4.25	$4.22	$4.22
Cash/Share	$48.11	$48.11	$72.99	$65.90	$65.71	$65.71	$62.32	$62.28	$62.14	$62.14	$56.67	$56.63	$56.50	$56.48	$37.90	$32.44	$31.17	$30.77	$32.91	$32.89	$2.02
EBITDA/Share	$4.01	$4.33	$4.20	$3.31	$3.28	$3.44	$3.71	$4.22	$4.14	$3.98	$3.83	$3.75	$3.73	$3.71	$3.82	$3.03	$3.32	$3.86	$4.45	$5.11	$5.11
Debt/Share	$7.33	$7.33	$5.73	$5.18	$5.16	$5.16	$6.91	$6.91	$6.89	$6.89	$6.56	$6.55	$6.54	$6.53	$7.08	$6.06	$5.82	$5.75	$4.87	$4.87	$4.87
Net Debt/Share	$-40.78	$-40.78	$-67.25	$-60.72	$-60.55	$-60.55	$-55.41	$-55.37	$-55.25	$-55.25	$-50.12	$-50.08	$-49.96	$-49.94	$-30.82	$-26.38	$-25.35	$-25.02	$-28.04	$-28.02	$-28.02

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.447
Altman Z-Prime	snapshot only																				-3.946
Piotroski F-Score	7	7	7	5	6	6	5	6	6	6	5	4	4	3	4	5	7	7	7	7	7
Beneish M-Score	-2.61	-2.56	-2.53	-2.49	-2.46	-2.46	-1.03	-0.88	-0.84	-0.81	-3.18	-3.17	-3.45	-3.22	-2.30	-2.05	-1.23	-2.08	-2.08	-2.42	-2.417
Ohlson O-Score	snapshot only																				-4.232
Net-Net WC	snapshot only																				$-159.72
EVA	snapshot only																				$124177100.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA+
Credit Score	89.20	92.60	95.57	92.95	92.96	93.12	89.68	88.98	90.38	87.37	91.30	88.27	88.05	87.94	85.37	83.99	87.95	89.55	89.49	90.88	90.883
Credit Grade	snapshot only																				2
Credit Trend	snapshot only																				6.891
Implied Spread (bps)	snapshot only																				65.000
Industry Credit Rank	snapshot only																				94
Sector Credit Rank	snapshot only																				87

GABC 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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