$28.56

-0.02 (-0.07%)

Weekly Expected Move ±4.3%

$25 $27 $28 $29 $30

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 66 · $308.8M mcap · 9M float · 1.67% daily turnover · Short 24% of daily vol

Edge Score

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

WEAK EDGE

47.8 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: 43.1% · 5Y Avg: -0.9%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. ISTR shows a Weak competitive edge (47.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Switching Costs. ROIC of 43.1% 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

$32

Low

$32

Avg Target

$32

High

Based on 1 analyst since Apr 20, 2026 earnings

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$31.50

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-23	Piper Sandler	Stephen Scouten	$29	$32	+2	+10.8%	$28.43
2025-10-21	Piper Sandler	Stephen Scouten	$14	$29	+16	+25.4%	$23.12
2023-10-05	Piper Sandler	Graham Dick	Initiated	$14	—	+19.5%	$11.30

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. ISTR receives an overall rating of B. Areas of concern: D/E (2/5), P/E (2/5).

Rating Change History

Date	From	To
2026-05-18	B-	B
2026-05-04	B	B-
2026-04-22	B+	B
2026-04-01	B	B+
2026-01-30	B-	B
2026-01-28	B+	B-
2026-01-22	A-	B+
2026-01-03	B	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 51 Grade B

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. ISTR scores highest in Earnings Quality (79/100) and lowest in Balance Sheet (50/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

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

Altman-B Score

2.66

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✗ ✓ ✓ ✗ ✗ ✓

Beneish M-Score

-2.45

Unlikely Manipulator

Ohlson O-Score

-4.20

Bankruptcy prob: 1.5%

Low Risk

Credit Rating

BBB

Score: 57.7/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 0.83x

Accruals: 0.2%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. ISTR scores 2.66, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. ISTR scores 6/9, 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. ISTR's score of -2.45 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. ISTR's implied 1.5% 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. ISTR receives an estimated rating of BBB (score: 57.7/100), 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). ISTR's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

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

P/E

13.65x

PEG

1.52x

P/S

1.81x

P/B

0.94x

P/FCF

18.63x

P/OCF

17.20x

EV/EBITDA

4.88x

EV/Revenue

0.96x

EV/EBIT

5.44x

EV/FCF

7.44x

Earnings Yield

7.03%

FCF Yield

5.37%

Shareholder Yield

2.09%

Graham Number

$29.50

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 13.6x earnings, ISTR trades at a reasonable valuation. An earnings yield of 7.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $29.50 per share, suggesting a potential 3% 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

0.816

NI / EBT

Interest Burden

1.173

EBT / EBIT

EBIT Margin

0.176

EBIT / Rev

Asset Turnover

0.061

Rev / Assets

Equity Multiplier

10.244

Assets / Equity

ROE

10.6%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. ISTR's ROE of 10.6% is driven by financial leverage (equity multiplier: 10.24x). 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

0.00%

Fair P/E

8.50x

Intrinsic Value

$16.30

Price/Value

1.67x

Margin of Safety

-67.28%

Premium

67.28%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with ISTR's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. ISTR trades at a 67% premium to its adjusted intrinsic value of $16.30, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 13.6x.

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

$28.56

Median 1Y

$27.73

5th Pctile

$14.94

95th Pctile

$51.52

Ann. Volatility

39.6%

Analyst Target

$31.50

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

Executive Compensation

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

C-Suite Compensation

Executive	Salary	Stock	Total
John J. D’Angelo President and Chief Executive Officer	$647,689	$381,184	$1,484,431
John R. Campbell Executive Vice President and Chief Financial Officer	$342,001	$197,290	$675,457
Linda M. Crochet Executive Vice President and Chief Operations Officer	$239,467	$103,669	$410,944

CEO Pay Ratio

11:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,484,431

Avg Employee Cost (SGA/emp): $132,257

Employees: 319

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

319

-2.5% YoY

Revenue / Employee

$481,150

Rev: $153,487,000

Profit / Employee

$71,799

NI: $22,904,000

SGA / Employee

$132,257

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	8.3%	2.3%	3.3%	5.2%	6.8%	13.9%	15.6%	12.8%	11.6%	9.6%	7.5%	7.9%	6.8%	8.0%	8.7%	9.3%	9.5%	9.9%	8.4%	10.6%	10.56%
ROA	0.9%	0.3%	0.3%	0.5%	0.7%	1.4%	1.4%	1.1%	1.0%	0.8%	0.6%	0.6%	0.5%	0.6%	0.7%	0.8%	0.8%	0.8%	0.8%	1.0%	1.03%
ROIC	17.5%	4.9%	-10.8%	-17.3%	-22.3%	-45.7%	17.0%	14.0%	12.6%	10.5%	-20.3%	-21.4%	-18.4%	-21.5%	6.6%	7.1%	7.2%	7.5%	40.4%	43.1%	43.14%
ROCE	6.1%	1.7%	2.6%	4.1%	5.3%	10.9%	6.6%	5.4%	4.8%	4.0%	3.7%	4.0%	3.4%	3.9%	6.6%	7.1%	7.2%	7.6%	1.8%	2.0%	1.98%
Gross Margin	88.4%	13.2%	88.6%	94.6%	89.4%	84.2%	75.3%	66.0%	67.6%	55.5%	51.5%	55.1%	52.8%	54.0%	57.4%	65.7%	58.3%	59.9%	60.2%	61.4%	61.39%
Operating Margin	25.2%	-44.5%	33.2%	43.3%	38.1%	30.2%	32.8%	14.2%	23.3%	9.6%	11.2%	16.0%	12.7%	15.7%	17.9%	21.2%	14.3%	18.6%	18.5%	18.5%	18.46%
Net Margin	20.0%	-35.2%	26.8%	34.4%	30.2%	24.5%	27.1%	11.6%	19.0%	7.9%	9.2%	12.4%	10.5%	13.7%	15.0%	17.3%	11.8%	15.4%	15.2%	22.6%	22.60%
EBITDA Margin	29.7%	-40.0%	38.0%	47.2%	41.7%	33.9%	36.0%	17.4%	26.0%	12.1%	13.6%	18.1%	14.7%	17.6%	19.7%	23.1%	16.2%	20.3%	20.2%	21.0%	20.99%
FCF Margin	27.0%	28.1%	27.9%	37.5%	29.0%	32.4%	33.8%	26.7%	27.1%	25.0%	17.8%	14.3%	13.9%	10.3%	9.9%	7.7%	7.9%	8.5%	11.0%	12.8%	12.84%
OCF Margin	32.4%	32.2%	31.0%	39.5%	29.7%	33.1%	34.7%	27.5%	27.9%	25.9%	18.6%	14.8%	14.4%	10.7%	10.2%	8.1%	8.4%	9.2%	11.9%	13.9%	13.91%
ROE 3Y Avg	snapshot only																				8.77%
ROE 5Y Avg	snapshot only																				9.04%
ROA 3Y Avg	snapshot only																				0.81%
ROIC Economic	snapshot only																				5.42%
Cash ROA	snapshot only																				0.84%
Cash ROIC	snapshot only																				41.83%
CROIC	snapshot only																				38.62%
NOPAT Margin	snapshot only																				14.34%
Pretax Margin	snapshot only																				20.61%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				31.70%
SBC / Revenue	snapshot only																				1.18%

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	10.95	37.32	21.99	14.36	12.60	5.53	5.65	4.46	4.27	4.51	8.40	8.89	9.79	10.65	10.67	7.95	8.60	11.60	12.38	14.22	13.650
P/S Ratio	2.05	1.92	1.63	1.63	1.81	1.61	1.64	1.03	0.87	0.73	0.99	1.07	0.98	1.22	1.38	1.12	1.24	1.72	1.85	2.39	1.814
P/B Ratio	0.90	0.86	0.73	0.75	0.85	0.77	0.93	0.61	0.53	0.46	0.62	0.69	0.65	0.83	0.90	0.72	0.79	1.11	0.94	1.35	0.943
P/FCF	7.58	6.84	5.83	4.35	6.23	4.96	4.84	3.87	3.21	2.93	5.57	7.50	7.09	11.80	14.01	14.51	15.62	20.18	16.84	18.63	18.626
P/OCF	6.32	5.96	5.25	4.14	6.08	4.86	4.72	3.76	3.13	2.83	5.34	7.20	6.82	11.40	13.57	13.81	14.82	18.71	15.56	17.20	17.195
EV/EBITDA	3.01	6.70	-9.43	-6.42	-4.31	-2.78	4.02	3.09	2.94	3.04	-6.97	-6.01	-7.31	-4.88	10.29	8.28	8.76	10.88	1.27	4.88	4.881
EV/Revenue	0.85	0.74	-1.30	-1.19	-0.95	-1.12	1.59	0.99	0.83	0.69	-1.20	-1.04	-1.07	-0.78	1.81	1.55	1.67	2.16	0.25	0.96	0.956
EV/EBIT	3.59	11.37	-14.18	-8.43	-5.32	-3.08	4.43	3.46	3.32	3.49	-8.26	-6.99	-8.64	-5.62	11.59	9.24	9.72	12.00	1.40	5.44	5.438
EV/FCF	3.13	2.63	-4.66	-3.17	-3.28	-3.45	4.71	3.71	3.06	2.77	-6.70	-7.32	-7.74	-7.56	18.35	20.10	21.07	25.23	2.32	7.44	7.443
Earnings Yield	9.1%	2.7%	4.5%	7.0%	7.9%	18.1%	17.7%	22.4%	23.4%	22.2%	11.9%	11.2%	10.2%	9.4%	9.4%	12.6%	11.6%	8.6%	8.1%	7.0%	7.03%
FCF Yield	13.2%	14.6%	17.1%	23.0%	16.1%	20.2%	20.7%	25.8%	31.1%	34.2%	18.0%	13.3%	14.1%	8.5%	7.1%	6.9%	6.4%	5.0%	5.9%	5.4%	5.37%
PEG Ratio	snapshot only																				1.515
Price/Tangible Book	snapshot only																				1.567
EV/OCF	snapshot only																				6.871
EV/Gross Profit	snapshot only																				1.591
Acquirers Multiple	snapshot only																				5.438
Shareholder Yield	snapshot only																				2.09%
Graham Number	snapshot only																				$29.50

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	0.17	0.17	0.22	0.22	0.22	0.22	0.22	0.22	0.22	0.22	0.18	0.18	0.18	0.18	0.02	0.02	0.02	0.02	0.31	0.31	0.311
Quick Ratio	0.17	0.17	0.22	0.22	0.22	0.22	0.22	0.22	0.22	0.22	0.18	0.18	0.18	0.18	0.02	0.02	0.02	0.02	0.31	0.31	0.311
Debt/Equity	0.72	0.72	0.56	0.56	0.56	0.56	2.04	2.04	2.04	2.04	0.38	0.38	0.38	0.38	0.42	0.42	0.42	0.42	0.51	0.51	0.507
Net Debt/Equity	-0.53	-0.53	-1.30	-1.30	-1.30	-1.30	-0.03	-0.03	-0.03	-0.03	-1.36	-1.36	-1.36	-1.36	0.28	0.28	0.28	0.28	-0.81	-0.81	-0.812
Debt/Assets	0.08	0.08	0.05	0.05	0.05	0.05	0.16	0.16	0.16	0.16	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.054
Debt/EBITDA	5.81	14.58	9.11	6.53	5.36	2.90	9.01	10.81	12.00	14.26	3.51	3.35	3.86	3.44	3.67	3.48	3.42	3.29	4.99	4.58	4.583
Net Debt/EBITDA	-4.27	-10.73	-21.24	-15.24	-12.51	-6.77	-0.11	-0.14	-0.15	-0.18	-12.76	-12.17	-14.00	-12.49	2.43	2.30	2.27	2.18	-7.99	-7.33	-7.334
Interest Coverage	1.68	0.53	0.84	1.52	2.14	4.13	3.00	1.54	0.92	0.57	0.35	0.33	0.26	0.29	0.33	0.36	0.39	0.42	0.44	0.44	0.442
Equity Multiplier	9.54	9.54	10.36	10.36	10.36	10.36	12.76	12.76	12.76	12.76	12.41	12.41	12.41	12.41	11.28	11.28	11.28	11.28	9.41	9.41	9.410
Cash Ratio	snapshot only																				0.301
Debt Service Coverage	snapshot only																				0.492
Cash to Debt	snapshot only																				2.600
FCF to Debt	snapshot only																				0.143
Defensive Interval	snapshot only																				2076.1 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	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.061
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	10.27	10.42	8.88	9.21	9.44	9.55	10.22	10.52	10.79	11.24	10.40	10.78	11.08	11.38	10.87	10.76	10.72	10.78	10.69	11.86	11.859
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	36	35	41	40	39	38	36	35	34	32	35	34	33	32	34	34	34	34	34	31	30.8 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	36	35	41	40	39	38	36	35	34	32	35	34	33	32	34	34	34	34	34	31	—
Fixed Asset Turnover	snapshot only																				4.306
Cash Velocity	snapshot only																				0.429
Capital Intensity	snapshot only																				16.641

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	5.1%	4.3%	1.9%	5.1%	7.0%	6.7%	14.1%	13.1%	13.4%	16.7%	14.5%	15.3%	15.5%	13.9%	11.0%	6.0%	2.8%	0.6%	-1.9%	9.9%	9.89%
Net Income	55.8%	-55.8%	-42.4%	-31.6%	-17.9%	5.0%	3.5%	1.3%	61.4%	-34.7%	-53.3%	-40.3%	-43.2%	-19.8%	21.4%	24.3%	47.7%	30.5%	13.1%	31.1%	31.12%
EPS	60.9%	-54.3%	-41.1%	-30.6%	-15.5%	5.2%	3.6%	1.4%	67.1%	-32.9%	-52.0%	-39.5%	-43.3%	-20.4%	18.6%	23.1%	46.8%	12.1%	6.5%	-12.5%	-12.52%
FCF	18.1%	2.8%	2.0%	1.2%	14.9%	23.2%	38.2%	-19.5%	6.0%	-9.8%	-39.6%	-38.4%	-41.0%	-53.0%	-38.7%	-42.6%	-41.1%	-16.9%	9.2%	82.7%	82.68%
EBITDA	50.7%	-40.3%	-32.0%	-26.2%	-16.1%	2.9%	2.3%	95.9%	44.9%	-34.1%	-50.4%	-37.6%	-39.8%	-19.8%	13.6%	14.5%	33.7%	24.3%	11.3%	14.8%	14.79%
Op. Income	58.0%	-55.2%	-42.9%	-32.3%	-18.8%	5.0%	3.5%	1.3%	58.6%	-36.2%	-53.9%	-39.9%	-42.6%	-20.2%	19.5%	19.3%	42.4%	29.9%	14.0%	14.9%	14.92%
OCF Growth	snapshot only																				88.30%
Asset Growth	snapshot only																				4.05%
Equity Growth	snapshot only																				24.77%
Debt Growth	snapshot only																				51.21%
Shares Change	snapshot only																				49.89%
Dividend Growth	snapshot only																				32.27%

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	15.4%	13.6%	11.4%	11.0%	9.7%	8.3%	8.8%	8.8%	8.4%	9.1%	10.0%	11.1%	11.9%	12.3%	13.2%	11.4%	10.4%	10.1%	7.6%	10.3%	10.34%
Revenue 5Y	18.2%	18.4%	17.9%	18.6%	18.8%	17.4%	16.6%	14.9%	13.3%	12.8%	12.5%	12.3%	11.6%	11.1%	10.3%	9.5%	8.6%	8.3%	7.7%	9.8%	9.82%
EPS 3Y	19.9%	-25.4%	-18.4%	-7.5%	0.0%	25.9%	29.3%	34.6%	31.5%	24.0%	9.4%	0.3%	-7.1%	49.1%	38.2%	21.4%	11.6%	-15.7%	-15.3%	-13.3%	-13.31%
EPS 5Y	13.4%	-12.6%	-7.1%	2.8%	13.0%	30.5%	31.5%	26.5%	19.5%	11.6%	3.9%	2.8%	-1.1%	1.3%	4.2%	12.7%	13.6%	11.2%	10.6%	1.7%	1.69%
Net Income 3Y	23.5%	-23.6%	-16.2%	-5.5%	0.5%	26.1%	28.5%	29.6%	27.3%	20.2%	6.3%	-1.9%	-9.1%	46.7%	36.3%	19.7%	10.6%	-11.9%	-13.8%	-0.9%	-0.90%
Net Income 5Y	22.4%	-5.6%	0.3%	10.4%	16.5%	34.2%	34.2%	27.5%	20.1%	11.9%	4.2%	3.1%	-1.5%	1.0%	3.8%	10.0%	11.6%	12.7%	10.5%	9.0%	8.96%
EBITDA 3Y	19.2%	-14.6%	-9.0%	-0.5%	3.7%	24.6%	25.9%	25.5%	22.4%	15.3%	3.4%	-3.4%	-9.9%	27.2%	22.7%	11.8%	5.3%	-13.0%	-14.4%	-6.4%	-6.41%
EBITDA 5Y	19.5%	-0.8%	2.8%	10.3%	15.1%	29.0%	27.8%	21.2%	15.5%	9.8%	4.1%	3.8%	-0.6%	0.5%	2.4%	7.1%	8.1%	8.9%	6.9%	3.5%	3.46%
Gross Profit 3Y	16.6%	7.3%	7.5%	9.3%	8.9%	16.0%	15.1%	13.7%	10.8%	7.5%	4.2%	0.9%	-2.4%	5.1%	5.4%	3.8%	3.3%	-3.4%	-3.9%	0.9%	0.94%
Gross Profit 5Y	18.3%	13.9%	14.8%	16.6%	16.9%	20.7%	18.7%	15.0%	11.6%	9.2%	7.4%	6.5%	4.8%	4.4%	4.4%	5.6%	5.4%	5.4%	4.7%	4.7%	4.66%
Op. Income 3Y	17.8%	-25.2%	-16.8%	-4.8%	1.3%	26.3%	28.4%	29.2%	26.7%	19.4%	5.6%	-2.3%	-9.6%	44.8%	35.0%	18.1%	9.0%	-12.9%	-14.4%	-6.3%	-6.27%
Op. Income 5Y	18.3%	-8.5%	-2.9%	7.1%	13.3%	30.0%	28.9%	21.9%	16.0%	9.8%	3.5%	3.5%	-1.1%	0.5%	3.1%	9.1%	10.7%	12.1%	9.9%	5.1%	5.06%
FCF 3Y	52.9%	47.6%	38.0%	51.9%	32.4%	52.0%	57.6%	75.8%	1.9%	61.5%	35.3%	2.9%	-10.4%	-19.5%	-20.0%	-34.2%	-28.3%	-29.4%	-26.1%	-13.6%	-13.56%
FCF 5Y	-1.2%	59.3%	-1.9%	22.6%	40.7%	30.1%	41.4%	86.0%	34.2%	29.0%	17.0%	11.7%	7.7%	8.3%	7.7%	13.9%	51.8%	10.5%	10.6%	2.7%	2.67%
OCF 3Y	42.0%	35.0%	26.8%	34.3%	19.4%	28.7%	32.0%	37.3%	49.3%	29.7%	13.9%	-6.3%	-14.6%	-22.2%	-21.9%	-34.2%	-27.6%	-28.1%	-24.7%	-12.1%	-12.14%
OCF 5Y	-0.2%	33.1%	-2.1%	18.4%	29.9%	27.0%	35.2%	51.7%	24.5%	19.8%	9.8%	3.5%	1.6%	-1.7%	-3.0%	-1.4%	3.5%	-2.4%	0.5%	-2.2%	-2.17%
Assets 3Y	12.7%	12.7%	12.0%	12.0%	12.0%	12.0%	8.6%	8.6%	8.6%	8.6%	6.6%	6.6%	6.6%	6.6%	2.7%	2.7%	2.7%	2.7%	1.0%	1.0%	0.95%
Assets 5Y	17.6%	17.6%	16.7%	16.7%	16.7%	16.7%	11.2%	11.2%	11.2%	11.2%	9.5%	9.5%	9.5%	9.5%	4.8%	4.8%	4.8%	4.8%	4.1%	4.1%	4.07%
Equity 3Y	12.1%	12.1%	10.0%	10.0%	10.0%	10.0%	-3.7%	-3.7%	-3.7%	-3.7%	-2.3%	-2.3%	-2.3%	-2.3%	-0.2%	-0.2%	-0.2%	-0.2%	11.7%	11.7%	11.74%
Book Value 3Y	8.8%	9.5%	7.1%	7.7%	9.5%	9.8%	-3.2%	0.0%	-0.6%	-0.8%	0.5%	-0.1%	-0.3%	-0.7%	1.2%	1.3%	0.7%	-4.5%	9.7%	-2.3%	-2.26%
Dividend 3Y	0.6%	2.0%	2.1%	3.9%	6.3%	5.0%	5.4%	8.4%	6.8%	6.7%	5.7%	4.2%	3.8%	2.6%	2.5%	2.8%	2.3%	-2.3%	4.2%	-4.0%	-3.98%

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	0.98	0.98	0.95	0.96	0.94	0.93	0.94	0.96	0.97	0.96	0.97	0.97	0.97	0.95	0.95	0.96	0.95	0.93	0.93	0.99	0.989
Earnings Stability	0.83	0.01	0.08	0.49	0.67	0.31	0.38	0.57	0.69	0.25	0.14	0.22	0.12	0.12	0.09	0.23	0.20	0.18	0.13	0.29	0.286
Margin Stability	0.93	0.92	0.95	0.95	0.93	0.87	0.90	0.94	0.93	0.86	0.87	0.88	0.86	0.81	0.83	0.86	0.87	0.80	0.82	0.84	0.839
Rev. Growth Consistency	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	0.00	1.00	1.000
Earn. Growth Consistency	0.50	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	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	0.50	0.50	0.83	0.87	0.93	0.50	0.50	0.50	0.50	0.86	0.50	0.84	0.83	0.92	0.91	0.90	0.81	0.88	0.95	0.88	0.876
Earnings Smoothness	0.56	0.23	0.46	0.62	0.80	0.00	0.00	0.21	0.53	0.58	0.27	0.50	0.45	0.78	0.81	0.78	0.61	0.74	0.88	0.73	0.731
ROE Trend	0.01	-0.05	-0.03	-0.01	0.00	0.10	0.12	0.07	0.05	0.02	-0.03	-0.02	-0.03	-0.04	-0.04	-0.02	-0.00	0.01	-0.00	0.01	0.011
Gross Margin Trend	0.10	-0.06	-0.03	-0.02	-0.03	0.22	0.16	0.05	-0.03	-0.11	-0.17	-0.18	-0.19	-0.24	-0.18	-0.10	-0.05	0.01	0.04	0.03	0.028
FCF Margin Trend	0.18	0.18	0.18	0.25	0.15	0.15	0.15	-0.01	-0.01	-0.05	-0.13	-0.18	-0.14	-0.18	-0.16	-0.13	-0.13	-0.09	-0.03	0.02	0.018
Sustainable Growth Rate	7.1%	1.1%	2.0%	3.9%	5.4%	12.5%	14.0%	11.2%	10.0%	8.0%	5.8%	6.2%	5.0%	6.2%	7.0%	7.6%	7.8%	8.1%	6.7%	8.6%	8.59%
Internal Growth Rate	0.8%	0.1%	0.2%	0.4%	0.5%	1.3%	1.2%	1.0%	0.9%	0.7%	0.5%	0.5%	0.4%	0.5%	0.6%	0.6%	0.7%	0.7%	0.7%	0.8%	0.85%

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	1.73	6.26	4.19	3.47	2.07	1.14	1.20	1.19	1.37	1.59	1.57	1.24	1.43	0.93	0.79	0.58	0.58	0.62	0.80	0.83	0.827
FCF/OCF	0.83	0.87	0.90	0.95	0.98	0.98	0.98	0.97	0.97	0.97	0.96	0.96	0.96	0.97	0.97	0.95	0.95	0.93	0.92	0.92	0.923
FCF/Net Income	snapshot only																				0.763
OCF/EBITDA	snapshot only																				0.710
CapEx/Revenue	5.4%	4.2%	3.1%	2.0%	0.7%	0.7%	0.9%	0.8%	0.8%	0.9%	0.8%	0.6%	0.5%	0.4%	0.3%	0.4%	0.4%	0.7%	0.9%	1.1%	1.07%
CapEx/Depreciation	snapshot only																				0.533
Accruals Ratio	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.002
Sloan Accruals	snapshot only																				0.501
Cash Flow Adequacy	snapshot only																				3.313
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	1.3%	1.4%	1.8%	1.8%	1.6%	1.8%	1.8%	2.8%	3.3%	3.8%	2.7%	2.5%	2.7%	2.1%	1.8%	2.3%	2.1%	1.6%	1.7%	1.3%	1.54%
Dividend/Share	$0.26	$0.28	$0.30	$0.31	$0.33	$0.34	$0.35	$0.37	$0.38	$0.39	$0.39	$0.39	$0.40	$0.40	$0.40	$0.40	$0.41	$0.36	$0.45	$0.36	$0.44
Payout Ratio	13.8%	52.7%	38.6%	25.3%	20.5%	10.2%	9.9%	12.5%	14.0%	17.3%	23.0%	22.1%	26.0%	22.2%	19.6%	18.4%	18.3%	18.1%	20.8%	18.6%	18.61%
FCF Payout Ratio	9.6%	9.7%	10.2%	7.7%	10.1%	9.1%	8.5%	10.8%	10.6%	11.2%	15.3%	18.6%	18.8%	24.6%	25.8%	33.7%	33.3%	31.5%	28.2%	24.4%	24.38%
Total Payout Ratio	52.5%	1.8%	1.3%	60.4%	81.5%	40.8%	39.5%	46.1%	32.7%	30.4%	41.2%	35.1%	34.5%	25.8%	19.6%	20.6%	22.9%	23.7%	30.8%	29.8%	29.75%
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	0.12	0.15	0.17	0.21	0.23	0.18	0.17	0.16	0.14	0.15	0.11	0.08	0.08	0.05	0.05	0.06	0.06	0.08	0.21	0.34	0.336
Buyback Yield	3.5%	3.5%	3.9%	2.4%	4.8%	5.5%	5.2%	7.6%	4.4%	2.9%	2.2%	1.5%	0.9%	0.3%	0.0%	0.3%	0.5%	0.5%	0.8%	0.8%	0.78%
Net Buyback Yield	3.5%	3.5%	3.9%	2.4%	4.8%	5.5%	5.2%	7.6%	4.4%	2.9%	2.2%	1.5%	0.9%	0.3%	0.0%	0.3%	0.5%	0.5%	0.8%	0.7%	0.69%
Total Shareholder Return	4.8%	4.9%	5.7%	4.2%	6.5%	7.4%	7.0%	10.4%	7.7%	6.7%	4.9%	3.9%	3.5%	2.4%	1.8%	2.6%	2.7%	2.0%	2.5%	2.0%	2.00%

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	0.79	0.81	0.81	0.80	0.80	0.81	0.81	0.82	0.82	0.82	0.81	0.81	0.82	0.83	0.84	0.84	0.83	0.82	0.82	0.816
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	1.17	1.173
EBIT Margin	0.24	0.06	0.09	0.14	0.18	0.36	0.36	0.29	0.25	0.20	0.14	0.15	0.12	0.14	0.16	0.17	0.17	0.18	0.18	0.18	0.176
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	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.061
Equity Multiplier	9.21	9.21	9.95	9.95	9.95	9.95	11.49	11.49	11.49	11.49	12.58	12.58	12.58	12.58	11.83	11.83	11.83	11.83	10.24	10.24	10.244

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)	$1.90	$0.54	$0.77	$1.22	$1.61	$3.35	$3.56	$2.94	$2.69	$2.24	$1.71	$1.78	$1.52	$1.79	$2.03	$2.19	$2.24	$2.00	$2.16	$1.92	$1.92
Book Value/Share	$23.08	$23.40	$23.30	$23.31	$23.71	$24.05	$21.51	$21.59	$21.84	$21.98	$23.23	$22.98	$22.90	$22.90	$24.14	$24.22	$24.23	$20.93	$28.38	$20.16	$30.30
Tangible Book/Share	$20.02	$20.30	$19.07	$19.08	$19.40	$19.69	$17.21	$17.28	$17.47	$17.58	$18.89	$18.69	$18.63	$18.63	$19.97	$20.04	$20.04	$17.31	$24.50	$17.41	$17.41
Revenue/Share	$10.17	$10.47	$10.37	$10.76	$11.21	$11.51	$12.28	$12.68	$13.16	$13.80	$14.45	$14.81	$15.17	$15.58	$15.66	$15.55	$15.50	$13.46	$14.47	$11.40	$12.44
FCF/Share	$2.75	$2.94	$2.90	$4.04	$3.25	$3.73	$4.16	$3.39	$3.57	$3.46	$2.58	$2.11	$2.10	$1.61	$1.54	$1.20	$1.23	$1.15	$1.59	$1.46	$1.60
OCF/Share	$3.29	$3.37	$3.22	$4.25	$3.33	$3.81	$4.26	$3.49	$3.67	$3.58	$2.69	$2.20	$2.18	$1.67	$1.59	$1.26	$1.30	$1.24	$1.72	$1.59	$1.73
Cash/Share	$28.82	$29.21	$43.41	$43.44	$44.17	$44.82	$44.38	$44.56	$45.06	$45.35	$40.35	$39.92	$39.78	$39.78	$3.41	$3.43	$3.43	$2.96	$37.45	$26.60	$39.73
EBITDA/Share	$2.86	$1.15	$1.43	$1.99	$2.47	$4.64	$4.86	$4.07	$3.71	$3.14	$2.48	$2.57	$2.23	$2.50	$2.75	$2.92	$2.96	$2.67	$2.88	$2.23	$2.23
Debt/Share	$16.60	$16.83	$13.03	$13.04	$13.26	$13.45	$43.83	$44.01	$44.50	$44.79	$8.71	$8.62	$8.59	$8.59	$10.11	$10.14	$10.14	$8.76	$14.40	$10.23	$10.23
Net Debt/Share	$-12.22	$-12.38	$-30.38	$-30.41	$-30.92	$-31.37	$-0.55	$-0.55	$-0.56	$-0.56	$-31.63	$-31.30	$-31.19	$-31.19	$6.69	$6.72	$6.72	$5.80	$-23.05	$-16.37	$-16.37

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.659
Altman Z-Prime	snapshot only																				-1.694
Piotroski F-Score	8	6	7	8	8	9	8	8	8	7	6	6	5	4	5	5	5	5	6	6	6
Beneish M-Score	-2.03	0.42	-2.69	-2.65	-2.59	-3.03	-2.19	-2.10	-2.17	-2.05	-2.12	-2.22	-2.20	-2.32	-2.48	-2.51	-2.47	-2.46	-2.58	-2.45	-2.449
Ohlson O-Score	snapshot only																				-4.198
Net-Net WC	snapshot only																				$-142.02
EVA	snapshot only																				$18760281.57

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																				BBB
Credit Score	48.27	35.42	38.08	54.30	43.14	60.12	48.68	45.97	44.48	40.49	48.27	48.96	48.63	46.95	42.82	41.77	43.29	42.01	54.08	57.74	57.737
Credit Grade	snapshot only																				9
Credit Trend	snapshot only																				15.967
Implied Spread (bps)	snapshot only																				275.000
Industry Credit Rank	snapshot only																				40
Sector Credit Rank	snapshot only																				45

ISTR 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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