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LKFN NASDAQ

Lakeland Financial Corporation
1W: +3.5% 1M: +1.9% 3M: -0.1% YTD: +7.5% 1Y: -0.2% 3Y: +51.3% 5Y: +8.1%
$59.90
-0.29 (-0.48%)
 
Weekly Expected Move ±3.8%
$53 $55 $57 $59 $62
NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 51 · $1.5B mcap · 24M float · 0.767% daily turnover · Short 48% of daily vol
Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings
Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

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
48.2 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: 13.6%  ·  5Y Avg: 16.2%
Cost Advantage ★
61
Intangibles
47
Switching Cost
35
Network Effect
48
Scale
55
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. LKFN shows a Weak competitive edge (48.2/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 13.6% 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
$0
Low
$67
Avg Target
$67
High
Based on 2 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 0Buy: 3Hold: 7Sell: 0Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$67.00
Analysts2
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-01-27 Stephens — Initiated $66 — +7.7% $61.30
2025-10-28 Raymond James — Initiated $68 — +16.1% $58.56
2025-05-06 Hovde Group Brendan Nosal $66 $72 +6 +21.6% $59.22
2025-03-21 Hovde Group — Initiated $66 — +9.7% $60.19

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.

B+
May 22, 2026
DCF
4
ROE
4
ROA
4
D/E
3
P/E
2
P/B
2
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. LKFN receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (4/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (2/5).
Rating Change History
DateFromTo
2026-05-04 A- B+
2026-04-28 B+ A-
2026-04-21 A- B+
2026-04-01 B+ A-
2026-01-27 B B+
2026-01-26 B+ B
2026-01-15 A- B+
2026-01-14 B+ A-
2026-01-12 A- B+
2026-01-08 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.

★ ★ ★ ★ ★ 56 Grade A+
Profitability
72
Balance Sheet
40
Earnings Quality
89
Growth
54
Value
71
Momentum
78
Safety
65
Cash Flow
71
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. LKFN scores highest in Earnings Quality (89/100) and lowest in Balance Sheet (40/100). An overall grade of A+ places LKFN 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
2.81
Grey Zone
Piotroski F-Score
7/9
✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓ ✗
Beneish M-Score
-2.58
Unlikely Manipulator
Ohlson O-Score
-1.33
Bankruptcy prob: 20.9%
Moderate
Credit Rating
AA
Score: 86.3/100
Trend: Improving
Earnings Quality
100/100
OCF/NI: 1.10x
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. LKFN scores 2.81, 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. LKFN 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. LKFN's score of -2.58 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. LKFN's implied 20.9% bankruptcy probability is elevated and warrants attention to the balance sheet. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. LKFN receives an estimated rating of AA (score: 86.3/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). LKFN'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
13.83x
PEG
0.62x
P/S
3.51x
P/B
2.03x
P/FCF
13.73x
P/OCF
12.13x
EV/EBITDA
10.98x
EV/Revenue
3.54x
EV/EBIT
11.25x
EV/FCF
14.13x
Earnings Yield
7.50%
FCF Yield
7.29%
Shareholder Yield
6.26%
Graham Number
$53.82
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 13.8x earnings, LKFN trades at a reasonable valuation. An earnings yield of 7.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $53.82 per share, 11% below 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
0.820
NI / EBT
×
Interest Burden
1.000
EBT / EBIT
×
EBIT Margin
0.315
EBIT / Rev
×
Asset Turnover
0.062
Rev / Assets
×
Equity Multiplier
9.451
Assets / Equity
=
ROE
15.2%
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. LKFN's ROE of 15.2% is driven by financial leverage (equity multiplier: 9.45x). 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
1.99%
Fair P/E
12.49x
Intrinsic Value
$53.76
Price/Value
1.07x
Margin of Safety
-6.73%
Premium
6.73%
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 LKFN's realized 2.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $53.76, LKFN appears undervalued with a -7% margin of safety. The adjusted fair P/E of 12.5x compares to the current market P/E of 13.8x.

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
$59.90
Median 1Y
$60.60
5th Pctile
$34.73
95th Pctile
$105.71
Ann. Volatility
33.9%
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

ExecutiveSalaryStockTotal
Kristin L. Pruitt
President
 $437,692 $590,700 $1,255,604
Eric H. Ottinger
Executive Vice President, Chief Commercial Banking Officer
 $366,885 $383,955 $931,546
Lisa M. O’Neill
Executive Vice President, Chief Financial Officer
 $337,692 $383,955 $880,156
J. Rickard Donovan
Senior Vice President, General Counsel
 $229,000 $239,234 $575,498

CEO Pay Ratio

19:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $2,050,626
Avg Employee Cost (SGA/emp): $106,264
Employees: 701

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
701
+2.6% YoY
Revenue / Employee
$601,578
Rev: $421,706,000
Profit / Employee
$147,448
NI: $103,361,000
SGA / Employee
$106,264
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 Trend 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 15.1% 15.3% 14.1% 14.2% 14.3% 15.0% 16.3% 16.4% 14.7% 14.2% 15.4% 15.2% 16.5% 16.2% 14.0% 13.5% 14.2% 14.6% 14.3% 15.2% 15.18%
ROA 1.8% 1.8% 1.5% 1.6% 1.6% 1.6% 1.6% 1.6% 1.4% 1.4% 1.4% 1.4% 1.6% 1.5% 1.4% 1.4% 1.4% 1.5% 1.5% 1.6% 1.61%
ROIC -39.1% -39.7% -7.4% -7.4% -7.5% -7.8% -23.1% -23.2% -20.8% -20.0% -18.6% -18.4% -20.0% -19.6% 1.0% 97.2% 1.0% 1.1% 12.8% 13.6% 13.63%
ROCE 14.8% 15.0% 14.3% 14.4% 14.5% 15.1% 13.2% 13.2% 11.6% 11.1% 14.1% 14.1% 15.4% 15.1% 14.7% 14.2% 15.0% 15.5% 15.2% 16.3% 16.26%
Gross Margin 95.9% 91.5% 94.0% 93.6% 92.3% 86.2% 71.2% 64.2% 61.7% 59.1% 60.6% 56.4% 52.8% 54.4% 56.9% 56.2% 59.8% 62.2% 65.5% 64.5% 64.53%
Operating Margin 53.9% 51.7% 54.1% 50.6% 48.8% 47.8% 32.5% 31.3% 17.2% 29.9% 33.3% 26.8% 23.6% 25.9% 27.8% 23.9% 31.1% 29.7% 34.1% 31.0% 31.03%
Net Margin 43.7% 42.1% 44.1% 42.5% 40.0% 39.2% 27.2% 27.1% 15.2% 25.4% 27.4% 22.6% 19.7% 21.8% 23.0% 19.8% 25.5% 24.5% 28.1% 25.2% 25.24%
EBITDA Margin 57.5% 56.0% 58.0% 53.8% 51.4% 50.1% 34.2% 33.2% 18.9% 31.6% 34.4% 28.4% 25.0% 27.4% 28.8% 25.5% 32.6% 31.2% 34.1% 31.0% 31.03%
FCF Margin 43.9% 46.4% 47.8% 59.2% 60.6% 63.9% 57.2% 44.5% 30.8% 30.4% 27.5% 26.0% 27.4% 19.1% 21.8% 22.8% 22.2% 25.9% 24.6% 25.1% 25.06%
OCF Margin 46.3% 48.9% 50.5% 61.5% 62.9% 65.7% 58.8% 46.3% 32.5% 32.1% 29.0% 27.3% 28.9% 20.9% 23.8% 24.9% 24.3% 28.5% 27.2% 28.4% 28.37%
ROE 3Y Avg snapshot only 13.96%
ROE 5Y Avg snapshot only 14.78%
ROA 3Y Avg snapshot only 1.45%
ROIC 3Y Avg snapshot only 13.36%
ROIC Economic snapshot only 11.70%
Cash ROA snapshot only 1.73%
Cash ROIC snapshot only 14.98%
CROIC snapshot only 13.23%
NOPAT Margin snapshot only 25.81%
Pretax Margin snapshot only 31.49%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 20.08%
SBC / Revenue snapshot only 2.05%
Valuation
Metric Trend 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 14.69 16.86 19.14 17.41 15.72 16.60 16.47 14.13 12.32 12.59 16.80 17.40 14.98 16.29 18.36 16.58 16.48 16.84 14.23 13.33 13.832
P/S Ratio 6.11 7.08 8.13 7.50 6.62 6.85 5.94 4.59 3.25 2.98 4.01 3.97 3.55 3.72 3.99 3.50 3.72 3.91 3.49 3.44 3.509
P/B Ratio 2.12 2.46 2.60 2.38 2.18 2.41 3.01 2.60 2.02 2.00 2.42 2.49 2.33 2.48 2.51 2.19 2.28 2.40 1.93 1.92 2.027
P/FCF 13.94 15.26 17.03 12.67 10.92 10.73 10.39 10.31 10.58 9.80 14.59 15.26 12.94 19.49 18.28 15.30 16.72 15.09 14.17 13.73 13.725
P/OCF 13.19 14.48 16.12 12.20 10.53 10.43 10.10 9.90 9.99 9.30 13.82 14.52 12.29 17.85 16.74 14.03 15.32 13.72 12.80 12.13 12.127
EV/EBITDA 3.96 5.70 -1.39 -2.61 -3.71 -2.37 5.24 3.47 1.12 1.04 3.62 3.98 2.82 3.68 9.56 7.93 8.07 8.47 11.61 10.98 10.983
EV/Revenue 2.16 3.15 -0.77 -1.47 -2.03 -1.26 2.40 1.42 0.37 0.31 1.07 1.14 0.84 1.06 2.62 2.11 2.31 2.51 3.59 3.54 3.541
EV/EBIT 4.21 6.09 -1.49 -2.79 -3.96 -2.51 5.52 3.66 1.19 1.10 3.82 4.20 2.96 3.86 10.07 8.36 8.48 8.89 12.05 11.25 11.245
EV/FCF 4.93 6.79 -1.62 -2.48 -3.35 -1.97 4.20 3.19 1.21 1.00 3.91 4.37 3.06 5.54 11.99 9.25 10.38 9.67 14.58 14.13 14.128
Earnings Yield 6.8% 5.9% 5.2% 5.7% 6.4% 6.0% 6.1% 7.1% 8.1% 7.9% 6.0% 5.7% 6.7% 6.1% 5.4% 6.0% 6.1% 5.9% 7.0% 7.5% 7.50%
FCF Yield 7.2% 6.6% 5.9% 7.9% 9.2% 9.3% 9.6% 9.7% 9.5% 10.2% 6.9% 6.6% 7.7% 5.1% 5.5% 6.5% 6.0% 6.6% 7.1% 7.3% 7.29%
PEG Ratio snapshot only 0.622
Price/Tangible Book snapshot only 1.931
EV/OCF snapshot only 12.482
EV/Gross Profit snapshot only 5.621
Acquirers Multiple snapshot only 11.245
Shareholder Yield snapshot only 6.26%
Graham Number snapshot only $53.82
Leverage & Solvency
Metric Trend 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 0.20 0.20 0.37 0.37 0.37 0.37 0.24 0.24 0.24 0.24 0.21 0.21 0.21 0.21 0.10 0.10 0.10 0.10 0.03 0.03 0.028
Quick Ratio 0.20 0.20 0.37 0.37 0.37 0.37 0.24 0.24 0.24 0.24 0.21 0.21 0.21 0.21 0.10 0.10 0.10 0.10 0.03 0.03 0.028
Debt/Equity 0.13 0.13 0.11 0.11 0.11 0.11 0.52 0.52 0.52 0.52 0.08 0.08 0.08 0.08 0.00 0.00 0.00 0.00 0.24 0.24 0.242
Net Debt/Equity -1.37 -1.37 -2.85 -2.85 -2.85 -2.85 -1.79 -1.79 -1.79 -1.79 -1.78 -1.78 -1.78 -1.78 -0.86 -0.86 -0.86 -0.86 0.06 0.06 0.056
Debt/Assets 0.01 0.01 0.01 0.01 0.01 0.01 0.05 0.05 0.05 0.05 0.01 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.03 0.03 0.026
Debt/EBITDA 0.69 0.68 0.60 0.60 0.59 0.57 2.25 2.25 2.54 2.65 0.43 0.43 0.39 0.40 0.00 0.00 0.00 0.00 1.41 1.34 1.344
Net Debt/EBITDA -7.25 -7.12 -15.95 -15.93 -15.82 -15.30 -7.72 -7.73 -8.71 -9.10 -9.90 -9.92 -9.11 -9.26 -5.02 -5.18 -4.93 -4.75 0.33 0.31 0.313
Interest Coverage 6.00 6.98 7.76 8.41 7.94 5.77 3.41 2.04 1.20 0.86 0.75 0.68 0.70 0.67 0.63 0.63 0.69 0.75 0.82 0.89 0.891
Equity Multiplier 8.87 8.87 9.30 9.30 9.30 9.30 11.31 11.31 11.31 11.31 10.04 10.04 10.04 10.04 9.77 9.77 9.77 9.77 9.17 9.17 9.168
Cash Ratio snapshot only 0.023
Debt Service Coverage snapshot only 0.912
Cash to Debt snapshot only 0.767
FCF to Debt snapshot only 0.579
Defensive Interval snapshot only 463.9 days
Efficiency & Turnover
Metric Trend 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 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.06 0.06 0.06 0.07 0.07 0.07 0.06 0.06 0.06 0.06 0.06 0.062
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 13.33 13.39 12.37 12.28 12.74 13.59 12.61 14.09 15.49 16.66 13.55 14.04 14.67 14.93 14.71 14.63 14.35 14.38 14.68 14.81 14.806
Payables Turnover 2.50 2.16 3.78 3.27 3.89 5.11 15.87 25.68 36.64 47.17 12.63 13.72 15.14 15.82 10.73 10.69 10.06 9.61 21.77 20.82 20.818
DSO 27 27 30 30 29 27 29 26 24 22 27 26 25 24 25 25 25 25 25 25 24.7 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 146 169 97 112 94 71 23 14 10 8 29 27 24 23 34 34 36 38 17 18 17.5 days
Cash Conversion Cycle -119 -142 -67 -82 -65 -45 6 12 14 14 -2 -1 1 1 -9 -9 -11 -13 8 7 7.1 days
Fixed Asset Turnover snapshot only 6.488
Cash Velocity snapshot only 3.009
Capital Intensity snapshot only 16.438
Growth (YoY)
Metric Trend 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 -4.0% -0.6% -1.2% -1.4% 2.0% 8.2% 27.8% 43.8% 52.4% 53.7% 36.6% 26.6% 20.3% 13.8% 9.4% 5.0% -1.4% -2.9% -1.9% -0.6% -0.58%
Net Income 17.5% 17.2% 13.5% 7.1% 3.2% 6.3% 8.4% 8.4% -4.4% -11.8% -9.7% -11.1% 8.0% 9.8% -0.3% -2.9% -6.2% -1.3% 10.6% 21.7% 21.73%
EPS 16.9% 16.5% 12.9% 6.5% 2.8% 5.9% 8.1% 8.1% -4.4% -11.6% -9.6% -11.1% 7.7% 9.4% -0.5% -3.1% -6.3% -1.5% 10.7% 23.2% 23.21%
FCF 12.9% 29.0% 32.0% 54.3% 40.9% 49.0% 52.9% 8.1% -22.7% -26.7% -34.4% -26.0% 7.3% -28.6% -13.1% -7.8% -20.2% 31.8% 10.6% 9.0% 9.05%
EBITDA 17.2% 17.5% 13.7% 6.9% 2.2% 3.8% 4.9% 4.6% -7.8% -14.7% -11.7% -11.8% 8.2% 11.2% 1.0% -1.9% -5.2% -0.2% 10.8% 20.2% 20.24%
Op. Income 17.8% 17.3% 13.1% 6.0% 1.7% 4.8% 6.6% 6.3% -7.2% -15.1% -11.8% -12.0% 9.3% 12.6% 1.2% -1.8% -5.3% -0.1% 12.4% 23.8% 23.84%
OCF Growth snapshot only 13.14%
Asset Growth snapshot only 4.67%
Equity Growth snapshot only 11.49%
Shares Change snapshot only -1.20%
Dividend Growth snapshot only 3.90%
Growth (CAGR)
Metric Trend 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 2.5% 1.4% -0.6% -2.2% -2.0% -0.4% 4.8% 9.4% 14.3% 18.2% 19.9% 21.5% 23.2% 23.7% 24.0% 24.1% 21.8% 19.3% 13.6% 9.7% 9.74%
Revenue 5Y 8.2% 7.6% 6.6% 5.7% 5.5% 6.0% 8.3% 9.7% 10.9% 11.6% 11.4% 11.3% 11.6% 11.6% 11.5% 11.7% 12.1% 12.8% 13.1% 13.4% 13.38%
EPS 3Y 13.0% 10.9% 6.1% 4.8% 4.7% 5.9% 6.1% 8.1% 4.7% 2.9% 3.3% 0.8% 1.9% 0.8% -0.9% -2.3% -1.2% -1.6% -0.2% 2.0% 1.99%
EPS 5Y 13.9% 13.4% 12.8% 12.1% 11.4% 11.4% 12.6% 11.3% 7.2% 5.0% 3.1% 2.0% 3.4% 2.8% 1.5% 1.7% 3.0% 3.3% 3.9% 4.1% 4.09%
Net Income 3Y 12.8% 10.8% 6.0% 4.8% 4.6% 5.8% 6.0% 8.1% 5.0% 3.2% 3.6% 1.1% 2.1% 1.0% -0.8% -2.2% -1.1% -1.5% -0.1% 1.7% 1.66%
Net Income 5Y 14.1% 13.6% 12.9% 12.2% 11.4% 11.5% 12.6% 11.3% 7.2% 5.0% 3.1% 2.1% 3.4% 2.8% 1.4% 1.8% 3.2% 3.6% 4.2% 4.0% 4.04%
EBITDA 3Y 7.6% 7.5% 6.2% 4.8% 4.4% 5.1% 5.0% 6.6% 3.4% 1.3% 1.7% -0.5% 0.7% -0.5% -2.2% -3.3% -1.8% -1.8% -0.4% 1.3% 1.34%
EBITDA 5Y 10.0% 9.6% 8.9% 8.4% 7.6% 7.4% 6.7% 6.3% 3.3% 2.0% 2.1% 1.2% 2.6% 2.0% 0.7% 0.9% 2.5% 2.9% 3.3% 3.1% 3.07%
Gross Profit 3Y 7.4% 7.4% 6.0% 5.0% 5.3% 6.6% 9.1% 11.1% 12.0% 11.1% 9.6% 7.6% 5.7% 4.9% 4.2% 3.9% 3.4% 3.1% 2.1% 2.7% 2.71%
Gross Profit 5Y 8.8% 8.6% 8.0% 7.4% 7.3% 7.6% 8.5% 8.7% 8.3% 7.5% 6.6% 5.9% 5.6% 5.4% 4.9% 5.4% 6.2% 6.8% 7.0% 6.6% 6.61%
Op. Income 3Y 7.7% 7.4% 5.9% 4.4% 4.1% 5.2% 5.2% 6.9% 3.6% 1.4% 2.0% -0.3% 1.0% 0.1% -1.7% -2.8% -1.3% -1.5% 0.1% 2.3% 2.31%
Op. Income 5Y 10.0% 9.5% 8.7% 8.3% 7.5% 7.5% 6.9% 6.5% 3.3% 2.0% 2.2% 1.3% 2.7% 2.1% 0.8% 1.1% 2.8% 3.3% 3.9% 3.8% 3.83%
FCF 3Y 7.4% 4.7% 3.5% 12.4% 13.5% 19.3% 21.4% 17.7% 7.1% 12.1% 9.8% 7.3% 5.4% -8.0% -4.5% -9.6% -12.8% -11.7% -14.2% -9.4% -9.38%
FCF 5Y 13.2% 16.3% 15.5% 19.1% 22.4% 22.8% 19.4% 14.0% 6.2% 4.6% 2.2% 2.6% 4.0% -2.4% 0.4% 2.2% 1.1% 5.8% 4.9% 4.4% 4.42%
OCF 3Y 6.7% 4.0% 2.7% 10.2% 11.9% 16.9% 19.2% 15.8% 6.2% 10.9% 9.3% 6.8% 5.2% -6.9% -3.4% -8.1% -11.3% -9.7% -12.1% -6.8% -6.82%
OCF 5Y 10.5% 12.5% 12.8% 16.4% 18.2% 19.8% 17.0% 12.6% 5.8% 4.2% 1.7% 1.6% 3.4% -2.3% 0.5% 2.1% 1.2% 6.0% 5.7% 5.7% 5.68%
Assets 3Y 7.6% 7.6% 10.4% 10.4% 10.4% 10.4% 9.1% 9.1% 9.1% 9.1% 3.8% 3.8% 3.8% 3.8% 0.6% 0.6% 0.6% 0.6% 2.8% 2.8% 2.81%
Assets 5Y 9.1% 9.1% 8.9% 8.9% 8.9% 8.9% 6.6% 6.6% 6.6% 6.6% 6.0% 6.0% 6.0% 6.0% 6.2% 6.2% 6.2% 6.2% 3.7% 3.7% 3.69%
Equity 3Y 11.9% 11.9% 10.6% 10.6% 10.6% 10.6% -1.7% -1.7% -1.7% -1.7% -0.4% -0.4% -0.4% -0.4% -1.0% -1.0% -1.0% -1.0% 10.3% 10.3% 10.26%
Book Value 3Y 12.1% 12.1% 10.7% 10.5% 10.7% 10.6% -1.6% -1.7% -1.9% -1.9% -0.7% -0.6% -0.6% -0.5% -1.2% -1.1% -1.1% -1.1% 10.2% 10.6% 10.62%
Dividend 3Y 2.1% 3.3% 4.4% 4.7% 5.1% 5.4% 5.7% 5.4% 4.9% 4.7% 4.6% 3.7% 2.9% 2.1% 1.4% 1.4% 1.4% 1.3% 1.4% 1.6% 1.61%
Growth Quality
Metric Trend 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 0.69 0.61 0.50 0.41 0.44 0.53 0.60 0.53 0.53 0.54 0.60 0.60 0.62 0.65 0.74 0.78 0.81 0.83 0.90 0.91 0.908
Earnings Stability 0.93 0.94 0.88 0.90 0.90 0.93 0.86 0.89 0.73 0.59 0.64 0.59 0.69 0.42 0.28 0.16 0.42 0.30 0.33 0.20 0.202
Margin Stability 0.91 0.91 0.91 0.90 0.90 0.91 0.92 0.90 0.88 0.86 0.85 0.84 0.81 0.79 0.79 0.79 0.79 0.79 0.81 0.81 0.811
Rev. Growth Consistency 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0.00 0.00 0.00 0.00 0.000
Earn. Growth Consistency 0.50 0.50 0.50 1.00 1.00 1.00 1.00 1.00 0.00 0.00 0.00 0.00 0.50 0.50 0.00 0.00 0.00 0.00 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 0.93 0.93 0.95 0.97 0.99 0.97 0.97 0.97 0.98 0.95 0.96 0.96 0.97 0.96 1.00 0.99 0.98 0.99 0.96 0.91 0.913
Earnings Smoothness 0.84 0.84 0.87 0.93 0.97 0.94 0.92 0.92 0.95 0.88 0.90 0.88 0.92 0.91 1.00 0.97 0.94 0.99 0.90 0.80 0.804
ROE Trend -0.01 -0.00 -0.00 -0.00 -0.00 0.00 0.05 0.05 0.02 0.01 -0.01 -0.02 0.00 0.00 -0.03 -0.03 -0.02 -0.01 -0.00 0.01 0.007
Gross Margin Trend 0.16 0.16 0.15 0.14 0.10 0.07 -0.03 -0.13 -0.22 -0.27 -0.27 -0.26 -0.24 -0.22 -0.18 -0.13 -0.07 -0.01 0.03 0.06 0.058
FCF Margin Trend 0.06 0.10 0.11 0.22 0.20 0.23 0.15 -0.04 -0.21 -0.25 -0.25 -0.26 -0.18 -0.28 -0.20 -0.12 -0.07 0.01 -0.00 0.01 0.006
Sustainable Growth Rate 9.9% 9.9% 9.0% 8.8% 8.8% 9.2% 9.9% 9.7% 7.8% 7.0% 7.7% 7.4% 8.6% 8.2% 6.6% 6.0% 6.6% 7.0% 7.2% 8.0% 8.02%
Internal Growth Rate 1.2% 1.2% 1.0% 1.0% 1.0% 1.0% 1.0% 1.0% 0.8% 0.7% 0.7% 0.7% 0.8% 0.8% 0.7% 0.6% 0.7% 0.7% 0.8% 0.9% 0.86%
Cash Flow Quality
Metric Trend 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 1.11 1.16 1.19 1.43 1.49 1.59 1.63 1.43 1.23 1.35 1.22 1.20 1.22 0.91 1.10 1.18 1.08 1.23 1.11 1.10 1.099
FCF/OCF 0.95 0.95 0.95 0.96 0.96 0.97 0.97 0.96 0.94 0.95 0.95 0.95 0.95 0.92 0.92 0.92 0.92 0.91 0.90 0.88 0.884
FCF/Net Income snapshot only 0.971
OCF/EBITDA snapshot only 0.880
CapEx/Revenue 2.5% 2.5% 2.7% 2.3% 2.2% 1.9% 1.7% 1.8% 1.8% 1.6% 1.5% 1.3% 1.4% 1.8% 2.0% 2.1% 2.0% 2.6% 2.6% 3.3% 3.30%
CapEx/Depreciation snapshot only 4.389
Accruals Ratio -0.00 -0.00 -0.00 -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 -0.002
Sloan Accruals snapshot only -0.103
Cash Flow Adequacy snapshot only 1.832
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend 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 2.3% 2.1% 1.9% 2.2% 2.5% 2.3% 2.4% 2.9% 3.8% 4.0% 3.0% 2.9% 3.2% 3.0% 2.9% 3.3% 3.2% 3.1% 3.5% 3.5% 3.41%
Dividend/Share $1.27 $1.31 $1.35 $1.41 $1.47 $1.53 $1.59 $1.65 $1.71 $1.77 $1.83 $1.85 $1.87 $1.89 $1.91 $1.93 $1.95 $1.97 $2.00 $2.03 $2.04
Payout Ratio 34.4% 35.0% 36.2% 37.6% 38.6% 38.5% 39.3% 40.6% 47.1% 50.5% 50.2% 51.3% 47.8% 49.3% 52.7% 55.3% 53.3% 52.1% 49.8% 47.2% 47.18%
FCF Payout Ratio 32.6% 31.7% 32.2% 27.3% 26.8% 24.9% 24.8% 29.6% 40.4% 39.3% 43.6% 45.0% 41.3% 59.0% 52.5% 51.0% 54.1% 46.7% 49.6% 48.6% 48.59%
Total Payout Ratio 35.1% 35.7% 36.9% 38.2% 39.3% 39.1% 39.9% 41.1% 47.7% 51.2% 50.9% 51.9% 48.4% 49.9% 53.4% 55.9% 55.7% 54.5% 69.5% 83.4% 83.43%
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 0.08 0.12 0.15 0.17 0.18 0.19 0.20 0.20 0.20 0.20 0.18 0.15 0.13 0.10 0.08 0.08 0.08 0.08 0.08 0.07 0.074
Buyback Yield 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.1% 0.1% 1.4% 2.7% 2.72%
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% 0.1% 0.1% 1.4% 2.7% 2.70%
Total Shareholder Return 2.4% 2.1% 1.9% 2.2% 2.5% 2.3% 2.4% 2.9% 3.8% 4.0% 3.0% 3.0% 3.2% 3.0% 2.9% 3.3% 3.4% 3.2% 4.9% 6.2% 6.24%
DuPont Factors
Metric Trend 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 0.82 0.82 0.82 0.83 0.84 0.85 0.86 0.85 0.84 0.84 0.83 0.84 0.83 0.83 0.82 0.82 0.82 0.820
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 0.51 0.52 0.52 0.53 0.51 0.50 0.43 0.39 0.31 0.28 0.28 0.27 0.28 0.27 0.26 0.25 0.27 0.28 0.30 0.31 0.315
Asset Turnover 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.06 0.06 0.06 0.07 0.07 0.07 0.06 0.06 0.06 0.06 0.06 0.062
Equity Multiplier 8.59 8.59 9.10 9.10 9.10 9.10 10.20 10.20 10.20 10.20 10.63 10.63 10.63 10.63 9.90 9.90 9.90 9.90 9.45 9.45 9.451
Per Share
Metric Trend 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) $3.70 $3.75 $3.73 $3.75 $3.80 $3.97 $4.03 $4.06 $3.64 $3.51 $3.64 $3.61 $3.92 $3.84 $3.62 $3.49 $3.67 $3.78 $4.01 $4.31 $4.31
Book Value/Share $25.67 $25.63 $27.46 $27.44 $27.43 $27.39 $22.09 $22.10 $22.14 $22.14 $25.25 $25.23 $25.24 $25.21 $26.51 $26.50 $26.52 $26.48 $29.58 $29.91 $29.55
Tangible Book/Share $25.47 $25.44 $27.26 $27.24 $27.23 $27.19 $21.89 $21.90 $21.95 $21.94 $25.05 $25.04 $25.05 $25.02 $26.32 $26.31 $26.33 $26.29 $29.39 $29.71 $29.71
Revenue/Share $8.89 $8.92 $8.78 $8.71 $9.03 $9.62 $11.18 $12.50 $13.77 $14.80 $15.28 $15.82 $16.53 $16.80 $16.67 $16.58 $16.27 $16.28 $16.36 $16.68 $16.78
FCF/Share $3.90 $4.14 $4.19 $5.16 $5.47 $6.14 $6.39 $5.56 $4.23 $4.51 $4.20 $4.12 $4.53 $3.21 $3.64 $3.79 $3.62 $4.22 $4.03 $4.18 $4.21
OCF/Share $4.12 $4.36 $4.43 $5.35 $5.68 $6.32 $6.58 $5.79 $4.48 $4.75 $4.43 $4.32 $4.77 $3.50 $3.97 $4.13 $3.95 $4.64 $4.46 $4.73 $4.76
Cash/Share $38.46 $38.42 $81.10 $81.04 $81.01 $80.89 $51.09 $51.11 $51.23 $51.21 $46.77 $46.74 $46.75 $46.71 $22.92 $22.91 $22.92 $22.89 $5.48 $5.54 $2.59
EBITDA/Share $4.85 $4.93 $4.90 $4.90 $4.94 $5.10 $5.12 $5.12 $4.55 $4.36 $4.53 $4.51 $4.92 $4.83 $4.56 $4.42 $4.65 $4.82 $5.06 $5.38 $5.38
Debt/Share $3.34 $3.34 $2.92 $2.92 $2.92 $2.91 $11.53 $11.54 $11.56 $11.56 $1.94 $1.94 $1.94 $1.94 $0.00 $0.00 $0.00 $0.00 $7.15 $7.23 $7.23
Net Debt/Share $-35.13 $-35.08 $-78.18 $-78.12 $-78.09 $-77.98 $-39.56 $-39.58 $-39.66 $-39.65 $-44.83 $-44.80 $-44.81 $-44.77 $-22.92 $-22.91 $-22.92 $-22.89 $1.66 $1.68 $1.68
Academic Models
Metric Trend 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 — — — — — — — — — — — — — — — — — — — — 2.811
Altman Z-Prime snapshot only -4.884
Piotroski F-Score 7 7 7 7 5 7 5 5 5 5 6 5 6 5 4 4 4 4 7 7 7
Beneish M-Score -2.42 -2.31 -2.62 -2.62 -2.53 -2.48 -1.62 -1.62 -1.60 -1.70 -2.37 -2.32 -2.34 -2.34 -2.47 -2.50 -2.52 -2.59 -2.51 -2.58 -2.584
Ohlson O-Score snapshot only -1.330
Net-Net WC snapshot only $-237.59
EVA snapshot only $29225500.00
Credit
Metric Trend 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 90.39 93.51 95.57 95.75 95.75 95.81 89.19 85.90 82.46 82.97 88.73 88.69 89.41 92.17 72.14 72.03 71.72 70.80 84.99 86.26 86.262
Credit Grade snapshot only 3
Credit Trend snapshot only 14.232
Implied Spread (bps) snapshot only 80.000
Industry Credit Rank snapshot only 89
Sector Credit Rank snapshot only 80

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