$72.78

+0.96 (+1.34%)

Weekly Expected Move ±2.3%

$68 $69 $71 $72 $74

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 58 · $4.5B mcap · 56M float · 0.697% daily turnover · Short 54% 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

63.8 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 12.2% · 5Y Avg: 12.7%

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. IBOC has a Narrow competitive edge (63.8/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 12.2% 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

Low

$85

Avg Target

$85

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 1Hold: 0Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$85.00

Analysts1

Consensus Change History

Date	Field	From	To
2026-03-25	_new_coverage	None	ADDED

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2025-12-31	Loop Capital Markets	Amirlan Kalymbekov	Initiated	$85	—	+27.5%	$66.67

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

Rating Change History

Date	From	To
2026-05-14	A	A-
2026-05-11	C+	A
2026-05-08	A	C+
2026-05-04	A-	A
2026-04-21	A	A-
2026-04-01	A-	A
2026-03-04	A	A-
2026-03-02	A-	A
2026-03-02	A	A-
2026-02-27	A-	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.

★ ★ ★ ★ ★ 56 Grade A+

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. IBOC scores highest in Safety (100/100) and lowest in Growth (42/100). An overall grade of A+ places IBOC 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

4.96

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✗ ✓ ✓ ✓ ✓ ✓ ✗

Beneish M-Score

-2.30

Unlikely Manipulator

Ohlson O-Score

-6.10

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

AAA

Score: 96.8/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.13x

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. IBOC scores 4.96, 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. IBOC 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. IBOC's score of -2.30 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. IBOC's implied 0.2% 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. IBOC receives an estimated rating of AAA (score: 96.8/100), with a deteriorating 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). IBOC'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

10.89x

PEG

5.51x

P/S

4.26x

P/B

1.38x

P/FCF

9.19x

P/OCF

8.89x

EV/EBITDA

7.88x

EV/Revenue

4.10x

EV/EBIT

8.24x

EV/FCF

9.56x

Earnings Yield

9.97%

FCF Yield

10.88%

Shareholder Yield

2.23%

Graham Number

$88.80

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 10.9x earnings, IBOC trades at a reasonable valuation. An earnings yield of 10.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $88.80 per share, suggesting a potential 22% 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

0.790

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.498

EBIT / Rev

Asset Turnover

0.066

Rev / Assets

Equity Multiplier

5.360

Assets / Equity

ROE

13.8%

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. IBOC's ROE of 13.8% is driven by financial leverage (equity multiplier: 5.36x). 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

6.25%

Fair P/E

20.99x

Intrinsic Value

$140.84

Price/Value

0.48x

Margin of Safety

52.22%

Premium

-52.22%

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 IBOC's realized 6.2% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $140.84, IBOC appears undervalued with a 52% margin of safety. The adjusted fair P/E of 21.0x compares to the current market P/E of 10.9x.

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

$72.78

Median 1Y

$76.49

5th Pctile

$40.62

95th Pctile

$143.95

Ann. Volatility

37.9%

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
Dennis E. Nixon Chairman of the Board; President and Director of the Company; and CEO and Director of IBC	$670,000	$—	$2,504,119
Dalia F. Martinez Vice President of the Company; and Executive Vice President of IBC	$225,946	$—	$353,532
Judith I. Wawroski Chief Financial Officer of the Company; and Executive Vice President of IBC	$218,498	$—	$342,983

CEO Pay Ratio

28:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,504,119

Avg Employee Cost (SGA/emp): $88,597

Employees: 2,126

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

2,126

+1.1% YoY

Revenue / Employee

$495,595

Rev: $1,053,634,999

Profit / Employee

$193,929

NI: $412,293,000

SGA / Employee

$88,597

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	10.9%	11.4%	11.3%	11.4%	9.9%	11.2%	13.8%	16.0%	18.0%	18.9%	18.3%	18.1%	18.0%	17.8%	15.6%	15.6%	15.7%	16.0%	13.6%	13.8%	13.81%
ROA	1.8%	1.9%	1.7%	1.7%	1.5%	1.7%	1.9%	2.2%	2.5%	2.6%	2.7%	2.7%	2.6%	2.6%	2.7%	2.7%	2.7%	2.7%	2.5%	2.6%	2.58%
ROIC	-12.3%	-12.9%	-6.2%	-6.3%	-5.4%	-6.1%	-7.7%	-9.0%	-10.1%	-10.6%	-17.3%	-17.2%	-17.0%	-16.9%	-21.7%	-21.6%	-21.8%	-22.3%	12.1%	12.2%	12.21%
ROCE	10.3%	10.9%	10.8%	10.9%	9.4%	10.7%	15.9%	18.4%	20.7%	21.7%	19.3%	19.1%	19.0%	18.8%	16.5%	16.4%	16.4%	16.7%	3.2%	3.3%	3.28%
Gross Margin	96.0%	93.6%	93.4%	94.4%	93.2%	90.8%	89.5%	86.2%	82.8%	81.0%	79.8%	75.8%	76.8%	76.2%	78.7%	77.4%	77.9%	79.3%	78.6%	79.8%	79.79%
Operating Margin	60.3%	46.6%	50.1%	48.6%	48.2%	53.1%	61.2%	56.4%	54.2%	52.5%	53.0%	48.5%	48.2%	47.6%	50.8%	48.1%	48.1%	50.1%	50.5%	50.3%	50.29%
Net Margin	47.0%	36.8%	39.8%	38.2%	37.9%	41.7%	47.8%	44.5%	42.6%	41.4%	41.5%	38.3%	37.4%	37.4%	43.8%	38.5%	38.3%	39.8%	39.5%	39.7%	39.72%
EBITDA Margin	63.6%	50.7%	54.2%	52.5%	51.8%	55.9%	63.7%	58.8%	56.5%	54.7%	55.2%	50.7%	50.4%	49.7%	53.0%	50.4%	50.2%	52.2%	53.0%	52.7%	52.69%
FCF Margin	53.9%	50.0%	45.3%	42.2%	47.7%	53.4%	51.7%	53.7%	48.4%	44.5%	46.1%	43.9%	45.4%	45.1%	44.1%	44.6%	43.2%	43.2%	44.8%	42.9%	42.92%
OCF Margin	55.0%	51.0%	47.0%	44.0%	50.3%	56.1%	54.4%	56.3%	50.7%	47.2%	48.9%	46.9%	48.0%	47.5%	45.4%	46.0%	44.8%	44.4%	46.5%	44.4%	44.37%
ROE 3Y Avg	snapshot only																				14.70%
ROE 5Y Avg	snapshot only																				14.45%
ROA 3Y Avg	snapshot only																				2.60%
ROIC 3Y Avg	snapshot only																				11.45%
ROIC Economic	snapshot only																				10.61%
Cash ROA	snapshot only																				2.83%
Cash ROIC	snapshot only																				13.78%
CROIC	snapshot only																				13.33%
NOPAT Margin	snapshot only																				39.31%
Pretax Margin	snapshot only																				49.77%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				16.51%
SBC / Revenue	snapshot only																				0.01%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	10.41	9.75	9.58	9.59	10.43	9.81	8.90	7.22	6.63	6.32	7.85	8.31	8.54	9.11	9.42	9.52	9.96	10.17	10.03	10.03	10.894
P/S Ratio	4.00	3.88	3.92	3.93	3.98	3.89	3.75	3.14	2.93	2.78	3.33	3.40	3.39	3.52	3.70	3.74	3.93	4.08	3.91	3.94	4.261
P/B Ratio	1.12	1.10	1.05	1.07	1.01	1.07	1.31	1.23	1.27	1.27	1.32	1.38	1.41	1.49	1.38	1.39	1.47	1.53	1.27	1.29	1.384
P/FCF	7.42	7.77	8.65	9.32	8.34	7.28	7.25	5.84	6.06	6.25	7.23	7.74	7.46	7.80	8.38	8.38	9.10	9.44	8.74	9.19	9.187
P/OCF	7.27	7.61	8.34	8.94	7.92	6.93	6.89	5.57	5.78	5.89	6.81	7.25	7.06	7.42	8.13	8.12	8.78	9.18	8.42	8.89	8.887
EV/EBITDA	-5.07	-4.97	-11.46	-11.29	-13.43	-11.57	-8.05	-7.33	-6.42	-6.12	-2.92	-2.66	-2.55	-2.20	-1.56	-1.50	-1.10	-0.75	7.92	7.88	7.885
EV/Revenue	-2.70	-2.73	-6.42	-6.31	-7.01	-6.22	-4.57	-4.26	-3.77	-3.57	-1.64	-1.44	-1.35	-1.13	-0.80	-0.77	-0.56	-0.39	4.07	4.10	4.102
EV/EBIT	-5.54	-5.38	-12.35	-12.11	-14.51	-12.37	-8.51	-7.69	-6.70	-6.38	-3.04	-2.78	-2.67	-2.30	-1.63	-1.57	-1.15	-0.79	8.27	8.24	8.242
EV/FCF	-5.01	-5.47	-14.15	-14.97	-14.70	-11.65	-8.83	-7.93	-7.79	-8.02	-3.56	-3.29	-2.97	-2.51	-1.81	-1.72	-1.30	-0.90	9.10	9.56	9.556
Earnings Yield	9.6%	10.3%	10.4%	10.4%	9.6%	10.2%	11.2%	13.8%	15.1%	15.8%	12.7%	12.0%	11.7%	11.0%	10.6%	10.5%	10.0%	9.8%	10.0%	10.0%	9.97%
FCF Yield	13.5%	12.9%	11.6%	10.7%	12.0%	13.7%	13.8%	17.1%	16.5%	16.0%	13.8%	12.9%	13.4%	12.8%	11.9%	11.9%	11.0%	10.6%	11.4%	10.9%	10.88%
PEG Ratio	snapshot only																				5.506
Price/Tangible Book	snapshot only																				1.411
EV/OCF	snapshot only																				9.244
EV/Gross Profit	snapshot only																				5.199
Acquirers Multiple	snapshot only																				8.242
Shareholder Yield	snapshot only																				2.23%
Graham Number	snapshot only																				$88.80

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	0.46	0.46	0.57	0.57	0.57	0.57	0.50	0.50	0.50	0.50	0.45	0.45	0.45	0.45	0.43	0.43	0.43	0.43	1.04	1.04	1.040
Quick Ratio	0.46	0.46	0.57	0.57	0.57	0.57	0.50	0.50	0.50	0.50	0.45	0.45	0.45	0.45	0.43	0.43	0.43	0.43	1.04	1.04	1.040
Debt/Equity	0.46	0.46	0.44	0.44	0.44	0.44	0.28	0.28	0.28	0.28	0.27	0.27	0.27	0.27	0.23	0.23	0.23	0.23	0.22	0.22	0.217
Net Debt/Equity	-1.87	-1.87	-2.78	-2.78	-2.78	-2.78	-2.90	-2.90	-2.90	-2.90	-1.97	-1.97	-1.97	-1.97	-1.68	-1.68	-1.68	-1.68	0.05	0.05	0.052
Debt/Assets	0.07	0.07	0.06	0.06	0.06	0.06	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.042
Debt/EBITDA	3.08	2.94	2.91	2.89	3.32	2.96	1.43	1.24	1.11	1.06	1.19	1.20	1.21	1.22	1.23	1.24	1.24	1.21	1.30	1.28	1.275
Net Debt/EBITDA	-12.58	-12.02	-18.46	-18.32	-21.05	-18.81	-14.66	-12.74	-11.41	-10.89	-8.84	-8.93	-8.98	-9.04	-8.82	-8.86	-8.84	-8.68	0.31	0.30	0.305
Interest Coverage	10.21	11.34	12.01	12.39	10.69	10.79	10.03	8.10	6.24	4.90	3.83	3.19	2.83	2.56	2.43	2.37	2.35	2.39	2.43	2.52	2.524
Equity Multiplier	6.44	6.44	6.95	6.95	6.95	6.95	7.58	7.58	7.58	7.58	6.16	6.16	6.16	6.16	5.63	5.63	5.63	5.63	5.13	5.13	5.130
Cash Ratio	snapshot only																				0.916
Debt Service Coverage	snapshot only																				2.639
Cash to Debt	snapshot only																				0.761
FCF to Debt	snapshot only																				0.647
Defensive Interval	snapshot only																				718.4 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.066
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	16.34	16.56	18.12	18.29	17.03	18.53	18.67	20.99	23.16	24.47	17.47	17.93	18.35	18.66	15.17	15.13	15.17	15.26	14.61	14.69	14.691
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	22	22	20	20	21	20	20	17	16	15	21	20	20	20	24	24	24	24	25	25	24.8 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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	22	22	20	20	21	20	20	17	16	15	21	20	20	20	24	24	24	24	25	25	—
Fixed Asset Turnover	snapshot only																				2.511
Cash Velocity	snapshot only																				1.980
Capital Intensity	snapshot only																				15.703

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	-2.6%	3.2%	7.4%	11.8%	-4.2%	2.9%	14.9%	28.0%	51.7%	47.3%	36.1%	24.3%	15.2%	10.9%	7.5%	4.4%	2.3%	1.2%	1.3%	2.1%	2.11%
Net Income	30.2%	43.8%	51.8%	40.1%	-4.8%	2.3%	18.2%	35.7%	75.6%	63.4%	37.1%	17.0%	3.3%	-2.5%	-0.6%	0.3%	2.0%	5.0%	0.8%	2.2%	2.17%
EPS	30.0%	43.5%	51.5%	39.9%	-4.1%	4.2%	19.4%	38.4%	78.1%	62.7%	38.3%	17.0%	3.2%	-2.0%	-0.8%	0.3%	2.1%	5.1%	0.9%	2.3%	2.27%
FCF	8.4%	1.6%	-5.7%	-22.0%	-15.2%	9.9%	31.1%	63.1%	53.7%	22.7%	21.2%	1.6%	8.1%	12.5%	2.9%	6.1%	-2.5%	-3.0%	2.9%	-1.8%	-1.75%
EBITDA	26.6%	39.3%	44.7%	34.9%	-6.0%	0.5%	16.4%	32.9%	70.5%	59.7%	34.9%	16.0%	3.4%	-2.1%	-2.6%	-2.0%	-1.4%	1.2%	2.3%	4.4%	4.43%
Op. Income	30.5%	45.6%	52.2%	41.0%	-5.1%	1.8%	18.7%	35.9%	76.5%	63.9%	36.8%	16.7%	3.4%	-2.3%	-2.8%	-2.2%	-1.4%	1.3%	2.3%	4.3%	4.35%
OCF Growth	snapshot only																				-1.61%
Asset Growth	snapshot only																				5.98%
Equity Growth	snapshot only																				16.27%
Debt Growth	snapshot only																				7.64%
Shares Change	snapshot only																				-0.10%
Dividend Growth	snapshot only																				5.09%

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	0.4%	0.2%	-0.6%	-0.8%	-3.3%	-0.8%	3.3%	7.9%	12.3%	16.0%	18.9%	21.2%	18.8%	18.9%	18.9%	18.4%	21.4%	18.2%	14.0%	9.8%	9.84%
Revenue 5Y	2.0%	2.6%	2.5%	2.8%	1.2%	2.5%	4.7%	6.6%	8.0%	8.8%	9.0%	9.2%	9.6%	9.8%	10.0%	10.2%	10.8%	11.9%	12.8%	13.7%	13.66%
EPS 3Y	8.8%	8.2%	6.8%	7.5%	3.2%	7.7%	14.9%	24.7%	30.4%	34.5%	35.8%	31.3%	20.8%	18.5%	17.9%	17.5%	23.3%	18.8%	11.4%	6.2%	6.25%
EPS 5Y	13.7%	14.0%	14.6%	15.2%	10.4%	12.7%	15.0%	15.9%	17.1%	16.5%	15.0%	15.0%	15.1%	14.8%	15.8%	17.9%	18.5%	20.2%	20.2%	18.3%	18.35%
Net Income 3Y	6.9%	6.6%	5.6%	6.2%	1.7%	5.9%	13.5%	22.8%	29.6%	34.0%	35.0%	30.5%	20.0%	17.7%	17.2%	16.8%	22.8%	18.7%	11.2%	6.2%	6.23%
Net Income 5Y	12.5%	13.0%	13.6%	14.1%	9.1%	11.2%	13.8%	14.3%	15.4%	15.2%	13.8%	13.7%	13.8%	13.6%	14.8%	16.8%	18.1%	19.7%	19.8%	17.9%	17.91%
EBITDA 3Y	5.1%	6.0%	5.2%	5.7%	1.1%	4.9%	12.0%	20.3%	26.6%	30.8%	31.5%	27.7%	18.3%	16.3%	15.2%	14.8%	20.3%	16.5%	10.4%	5.9%	5.89%
EBITDA 5Y	8.1%	8.9%	9.4%	9.7%	5.8%	7.4%	10.4%	11.8%	13.2%	13.9%	12.8%	12.7%	12.8%	12.5%	13.0%	14.6%	15.7%	17.2%	17.8%	16.3%	16.32%
Gross Profit 3Y	0.7%	0.9%	0.8%	1.0%	-1.4%	0.9%	4.7%	9.1%	12.9%	15.6%	17.4%	16.9%	12.6%	11.6%	11.0%	10.8%	14.0%	11.8%	8.2%	5.3%	5.29%
Gross Profit 5Y	3.3%	3.7%	3.8%	3.7%	1.6%	3.0%	4.9%	6.3%	7.1%	7.2%	6.9%	6.7%	7.0%	6.9%	7.1%	7.8%	8.6%	9.9%	10.9%	11.0%	10.97%
Op. Income 3Y	5.3%	6.5%	5.7%	6.5%	1.8%	6.0%	13.8%	22.9%	29.8%	34.4%	35.2%	30.8%	20.1%	17.7%	16.4%	15.8%	21.7%	17.5%	10.8%	6.0%	6.02%
Op. Income 5Y	8.8%	9.8%	10.3%	10.9%	6.6%	8.3%	11.5%	13.0%	14.4%	15.1%	13.9%	13.9%	14.0%	13.8%	14.4%	16.2%	17.4%	19.2%	19.7%	18.0%	17.96%
FCF 3Y	22.6%	19.5%	10.5%	6.2%	7.0%	13.2%	9.4%	16.2%	12.2%	11.1%	14.4%	8.9%	12.1%	14.9%	17.8%	20.7%	17.4%	10.2%	8.7%	1.9%	1.93%
FCF 5Y	11.4%	13.5%	11.3%	10.1%	11.1%	12.9%	15.1%	20.2%	19.2%	18.1%	16.5%	14.7%	15.2%	14.9%	10.3%	11.1%	8.3%	8.4%	9.6%	6.1%	6.14%
OCF 3Y	19.7%	16.1%	8.3%	4.0%	5.0%	10.7%	7.6%	14.5%	11.6%	11.9%	15.8%	10.7%	13.5%	16.0%	17.6%	20.3%	16.8%	9.4%	8.2%	1.4%	1.44%
OCF 5Y	10.1%	11.8%	7.5%	6.5%	7.5%	10.0%	14.5%	19.5%	18.1%	17.0%	15.6%	13.8%	14.1%	13.4%	8.8%	9.8%	7.7%	8.1%	10.0%	6.5%	6.50%
Assets 3Y	4.8%	4.8%	10.6%	10.6%	10.6%	10.6%	8.6%	8.6%	8.6%	8.6%	2.4%	2.4%	2.4%	2.4%	-0.6%	-0.6%	-0.6%	-0.6%	2.5%	2.5%	2.47%
Assets 5Y	3.6%	3.6%	6.3%	6.3%	6.3%	6.3%	4.9%	4.9%	4.9%	4.9%	4.9%	4.9%	4.9%	4.9%	5.4%	5.4%	5.4%	5.4%	3.5%	3.5%	3.52%
Equity 3Y	5.8%	5.8%	6.0%	6.0%	6.0%	6.0%	-1.2%	-1.2%	-1.2%	-1.2%	4.0%	4.0%	4.0%	4.0%	6.6%	6.6%	6.6%	6.6%	16.7%	16.7%	16.72%
Book Value 3Y	7.7%	7.4%	7.2%	7.3%	7.5%	7.8%	0.0%	0.4%	-0.5%	-0.8%	4.6%	4.6%	4.6%	4.6%	7.2%	7.3%	7.1%	6.7%	17.0%	16.7%	16.75%
Dividend 3Y	1.1%	16.6%	2.6%	-9.0%	4.5%	-9.7%	2.4%	1.8%	0.8%	1.6%	1.8%	2.2%	2.2%	2.3%	2.2%	2.5%	2.3%	2.1%	2.3%	1.7%	1.69%

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	0.52	0.41	0.21	0.15	0.09	0.38	0.52	0.45	0.36	0.46	0.53	0.59	0.58	0.65	0.75	0.83	0.79	0.85	0.92	0.93	0.930
Earnings Stability	0.77	0.65	0.56	0.62	0.64	0.63	0.62	0.62	0.56	0.61	0.68	0.78	0.75	0.79	0.88	0.93	0.86	0.87	0.88	0.87	0.868
Margin Stability	0.97	0.97	0.96	0.97	0.96	0.96	0.96	0.97	0.96	0.96	0.94	0.94	0.93	0.92	0.92	0.92	0.92	0.92	0.93	0.93	0.929
Rev. Growth Consistency	0.00	0.50	0.50	0.50	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	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	0.50	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.88	0.82	0.50	0.84	0.98	0.99	0.93	0.86	0.50	0.50	0.85	0.93	0.99	0.99	1.00	1.00	0.99	0.98	1.00	0.99	0.991
Earnings Smoothness	0.74	0.64	0.59	0.67	0.95	0.98	0.83	0.70	0.45	0.52	0.69	0.84	0.97	0.97	0.99	1.00	0.98	0.95	0.99	0.98	0.979
ROE Trend	0.01	0.02	0.02	0.02	0.00	0.01	0.05	0.07	0.09	0.09	0.04	0.03	0.02	0.01	-0.01	-0.02	-0.03	-0.03	-0.03	-0.03	-0.028
Gross Margin Trend	0.05	0.06	0.08	0.07	0.05	0.03	0.02	-0.02	-0.06	-0.08	-0.11	-0.12	-0.12	-0.12	-0.10	-0.07	-0.05	-0.03	-0.01	0.00	0.004
FCF Margin Trend	0.12	0.07	-0.02	-0.10	-0.03	0.03	0.03	0.02	-0.02	-0.07	-0.02	-0.04	-0.03	-0.04	-0.05	-0.04	-0.04	-0.02	-0.00	-0.01	-0.013
Sustainable Growth Rate	7.6%	6.4%	8.1%	8.1%	6.5%	7.8%	10.3%	12.5%	14.4%	15.3%	14.8%	14.6%	14.4%	14.2%	12.5%	12.4%	12.5%	12.7%	10.8%	10.9%	10.87%
Internal Growth Rate	1.3%	1.1%	1.2%	1.2%	1.0%	1.2%	1.4%	1.8%	2.0%	2.2%	2.2%	2.2%	2.2%	2.1%	2.2%	2.1%	2.2%	2.2%	2.0%	2.1%	2.07%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.43	1.28	1.15	1.07	1.32	1.42	1.29	1.30	1.15	1.07	1.15	1.15	1.21	1.23	1.16	1.17	1.13	1.11	1.19	1.13	1.129
FCF/OCF	0.98	0.98	0.96	0.96	0.95	0.95	0.95	0.95	0.95	0.94	0.94	0.94	0.95	0.95	0.97	0.97	0.96	0.97	0.96	0.97	0.967
FCF/Net Income	snapshot only																				1.092
OCF/EBITDA	snapshot only																				0.853
CapEx/Revenue	1.1%	1.1%	1.7%	1.8%	2.5%	2.7%	2.7%	2.6%	2.3%	2.7%	2.8%	3.0%	2.6%	2.3%	1.4%	1.4%	1.6%	1.2%	1.7%	1.5%	1.45%
CapEx/Depreciation	snapshot only																				0.645
Accruals Ratio	-0.01	-0.01	-0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.003
Sloan Accruals	snapshot only																				0.446
Cash Flow Adequacy	snapshot only																				4.518
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	2.9%	4.5%	3.0%	3.1%	3.3%	3.1%	2.8%	3.0%	2.9%	3.0%	2.4%	2.4%	2.3%	2.3%	2.1%	2.2%	2.1%	2.0%	2.1%	2.1%	1.96%
Dividend/Share	$1.10	$1.70	$1.15	$1.20	$1.21	$1.21	$1.20	$1.23	$1.23	$1.25	$1.26	$1.29	$1.29	$1.32	$1.32	$1.36	$1.36	$1.40	$1.40	$1.43	$1.43
Payout Ratio	29.8%	43.8%	28.7%	29.6%	34.2%	30.0%	25.1%	22.0%	19.6%	19.0%	19.0%	19.7%	19.8%	20.5%	20.1%	20.7%	20.5%	20.7%	21.1%	21.3%	21.29%
FCF Payout Ratio	21.2%	34.9%	25.9%	28.8%	27.3%	22.3%	20.4%	17.8%	17.9%	18.8%	17.5%	18.3%	17.3%	17.6%	17.9%	18.2%	18.8%	19.2%	18.4%	19.5%	19.50%
Total Payout Ratio	29.9%	44.1%	29.0%	31.2%	52.7%	50.7%	42.4%	36.2%	23.6%	20.2%	20.1%	20.7%	20.0%	20.7%	20.3%	20.8%	21.8%	21.8%	22.2%	22.4%	22.41%
Div. Increase Streak	0	1	1	0	0	0	1	0	1	0	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.01	0.56	0.07	-0.24	0.13	-0.27	0.06	0.04	0.04	0.07	0.06	0.07	0.07	0.07	0.07	0.08	0.08	0.08	0.08	0.07	0.072
Buyback Yield	0.0%	0.0%	0.0%	0.2%	1.8%	2.1%	1.9%	2.0%	0.6%	0.2%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.11%
Net Buyback Yield	-0.1%	-0.1%	-0.1%	0.1%	1.7%	2.1%	1.9%	1.9%	0.6%	0.1%	0.1%	0.0%	-0.1%	-0.1%	-0.1%	-0.0%	0.1%	0.1%	0.1%	0.1%	0.07%
Total Shareholder Return	2.8%	4.4%	2.9%	3.2%	5.0%	5.1%	4.7%	5.0%	3.5%	3.1%	2.5%	2.4%	2.2%	2.2%	2.1%	2.1%	2.1%	2.1%	2.2%	2.2%	2.20%

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)	0.79	0.78	0.79	0.79	0.79	0.79	0.78	0.79	0.79	0.79	0.79	0.79	0.78	0.78	0.80	0.81	0.81	0.81	0.79	0.79	0.790
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	0.49	0.51	0.52	0.52	0.48	0.50	0.54	0.55	0.56	0.56	0.54	0.52	0.51	0.49	0.49	0.49	0.49	0.49	0.49	0.50	0.498
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.066
Equity Multiplier	6.09	6.09	6.70	6.70	6.70	6.70	7.25	7.25	7.25	7.25	6.80	6.80	6.80	6.80	5.87	5.87	5.87	5.87	5.36	5.36	5.360

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$3.68	$3.87	$4.01	$4.04	$3.53	$4.03	$4.78	$5.59	$6.28	$6.56	$6.62	$6.54	$6.48	$6.43	$6.57	$6.56	$6.62	$6.76	$6.62	$6.71	$6.71
Book Value/Share	$34.29	$34.30	$36.43	$36.36	$36.59	$37.01	$32.59	$32.83	$32.87	$32.64	$39.35	$39.31	$39.30	$39.30	$44.88	$44.89	$44.94	$44.94	$52.24	$52.24	$52.60
Tangible Book/Share	$29.84	$29.85	$31.97	$31.91	$32.11	$32.48	$28.09	$28.29	$28.33	$28.13	$34.81	$34.77	$34.76	$34.76	$40.34	$40.35	$40.40	$40.40	$47.70	$47.70	$47.70
Revenue/Share	$9.58	$9.72	$9.79	$9.86	$9.24	$10.17	$11.36	$12.87	$14.22	$14.91	$15.60	$15.99	$16.36	$16.64	$16.73	$16.70	$16.75	$16.85	$16.97	$17.06	$16.99
FCF/Share	$5.17	$4.85	$4.44	$4.16	$4.41	$5.43	$5.88	$6.91	$6.88	$6.63	$7.18	$7.02	$7.43	$7.51	$7.38	$7.45	$7.24	$7.29	$7.60	$7.32	$7.29
OCF/Share	$5.27	$4.96	$4.60	$4.34	$4.65	$5.70	$6.18	$7.25	$7.21	$7.04	$7.63	$7.50	$7.85	$7.90	$7.61	$7.69	$7.51	$7.49	$7.89	$7.57	$7.54
Cash/Share	$79.94	$79.97	$117.13	$116.90	$117.67	$119.02	$103.68	$104.45	$104.58	$103.83	$87.99	$87.90	$87.87	$87.87	$85.70	$85.72	$85.82	$85.82	$8.62	$8.62	$9.37
EBITDA/Share	$5.11	$5.34	$5.48	$5.51	$4.83	$5.47	$6.45	$7.47	$8.35	$8.69	$8.77	$8.67	$8.63	$8.56	$8.52	$8.49	$8.52	$8.67	$8.73	$8.88	$8.88
Debt/Share	$15.73	$15.73	$15.94	$15.91	$16.02	$16.20	$9.19	$9.26	$9.27	$9.21	$10.45	$10.44	$10.44	$10.44	$10.51	$10.51	$10.52	$10.52	$11.32	$11.32	$11.32
Net Debt/Share	$-64.22	$-64.24	$-101.19	$-100.99	$-101.65	$-102.82	$-94.49	$-95.19	$-95.31	$-94.63	$-77.54	$-77.46	$-77.43	$-77.43	$-75.19	$-75.21	$-75.30	$-75.30	$2.70	$2.70	$2.70

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.961
Altman Z-Prime	snapshot only																				1.269
Piotroski F-Score	7	7	8	8	6	6	6	6	6	5	6	6	5	5	5	6	7	7	6	7	7
Beneish M-Score	-2.42	-2.48	-2.73	-2.68	-2.73	-2.55	-1.94	-1.90	-1.90	-1.96	-2.03	-2.02	-2.07	-2.08	-2.40	-2.40	-2.39	-2.39	-2.30	-2.30	-2.301
Ohlson O-Score	snapshot only																				-6.104
ROIC (Greenblatt)	snapshot only																				1.18%
Net-Net WC	snapshot only																				$-205.94
EVA	snapshot only																				$75597499.90

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																				AAA
Credit Score	88.88	88.43	78.57	78.50	74.26	89.30	96.87	98.08	98.03	97.96	98.04	98.02	97.97	97.97	97.94	98.04	97.98	97.90	96.67	96.81	96.813
Credit Grade	snapshot only																				1
Credit Trend	snapshot only																				-1.226
Implied Spread (bps)	snapshot only																				50.000
Industry Credit Rank	snapshot only																				99
Sector Credit Rank	snapshot only																				95

IBOC 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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