$37.28

-0.13 (-0.35%)

Weekly Expected Move ±3.9%

$33 $34 $36 $37 $38

NYSE · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 58 · $1.7B mcap · 36M float · 0.730% daily turnover · Short 45% 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

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

43.8 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 25.3% · 5Y Avg: 15.4%

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. LOB shows a Weak competitive edge (43.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 25.3% 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

$41

Low

$41

Avg Target

$41

High

Based on 1 analyst since Apr 22, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 6Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$41.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-27	Piper Sandler	—	$35	$41	+6	+9.5%	$37.43
2025-10-24	Piper Sandler	Crispin Love	$46	$35	-11	+2.0%	$34.32
2025-09-24	National Bank	—	Initiated	$50	—	+39.7%	$35.80
2025-09-09	Cantor Fitzgerald	Dave Rochester	Initiated	$42	—	+14.4%	$36.72
2024-07-29	Piper Sandler	Crispin Love	Initiated	$46	—	+0.7%	$45.66
2024-07-08	Truist Financial	Brandon King	$37	$38	+1	+13.6%	$33.45
2023-02-01	Truist Financial	—	$45	$37	-8	+8.1%	$34.23
2022-12-13	J.P. Morgan	—	Initiated	$30	—	-10.0%	$33.35
2022-09-14	Truist Financial	—	$55	$45	-10	+33.0%	$33.84
2022-08-15	Truist Financial	—	$49	$55	+6	+26.0%	$43.66
2022-06-15	Truist Financial	—	Initiated	$49	—	+40.9%	$34.77
2022-04-29	Raymond James	—	Initiated	$55	—	+22.8%	$44.78

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

Rating Change History

Date	From	To
2026-04-30	B+	B
2026-04-24	B-	B+
2026-04-22	B	B-
2026-04-22	B+	B
2026-04-01	B	B+
2026-02-06	B-	B
2026-01-30	B	B-
2026-01-03	B-	B

InsiderStreet Scorecard

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

★ ★ ★ ★ ★ 42 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. LOB scores highest in Value (90/100) and lowest in Cash Flow (31/100). 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

1.92

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.40

Unlikely Manipulator

Ohlson O-Score

-5.63

Bankruptcy prob: 0.4%

Low Risk

Credit Rating

A-

Score: 69.0/100

Trend: Improving

Earnings Quality

50/100

OCF/NI: 0.50x

Accruals: 0.4%

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. LOB scores 1.92, 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. LOB 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. LOB's score of -2.40 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. LOB's implied 0.4% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. LOB receives an estimated rating of A- (score: 69.0/100), 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). LOB's score of 50/100 is moderate — some divergence between reported earnings and underlying cash flows.

Valuation

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

P/E

13.79x

PEG

0.14x

P/S

1.62x

P/B

1.34x

P/FCF

28.87x

P/OCF

24.66x

EV/EBITDA

3.76x

EV/Revenue

0.72x

EV/EBIT

4.10x

EV/FCF

14.53x

Earnings Yield

8.11%

FCF Yield

3.46%

Shareholder Yield

0.92%

Graham Number

$40.35

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, LOB trades at a reasonable valuation. An earnings yield of 8.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $40.35 per share, suggesting a potential 8% 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

0.660

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.176

EBIT / Rev

Asset Turnover

0.076

Rev / Assets

Equity Multiplier

12.485

Assets / Equity

ROE

11.0%

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. LOB's ROE of 11.0% is driven by financial leverage (equity multiplier: 12.49x). 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

105.76%

Fair P/E

220.01x

Intrinsic Value

$589.73

Price/Value

0.06x

Margin of Safety

94.39%

Premium

-94.39%

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 LOB's realized 105.8% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $589.73, LOB appears undervalued with a 94% margin of safety. The adjusted fair P/E of 220.0x 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

$37.28

Median 1Y

$37.43

5th Pctile

$16.35

95th Pctile

$85.86

Ann. Volatility

51.7%

Analyst Target

$41.00

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

Executive Compensation

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

C-Suite Compensation

Executive	Salary	Stock	Total
M. Huntley Garriott, Jr. President, Bank	$803,084	$25,330,000	$26,385,005
William C. Losch III Chief Financial Officer	$285,577	$12,833,100	$13,178,227
Renato Derraik Information mation and Digital Officer, Bank	$317,308	$7,638,750	$8,025,612
Neil L. Underwood President	$707,712	$—	$979,084
James S. Mahan III Chairman and Chief Executive Officer	$512,565	$—	$884,380
S. Brett Caines Chief Financial Officer	$318,462	$253,300	$601,725

CEO Pay Ratio

4:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $884,380

Avg Employee Cost (SGA/emp): $203,622

Employees: 1,008

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

1,008

+6.9% YoY

Revenue / Employee

$921,915

Rev: $929,290,000

Profit / Employee

$76,859

NI: $77,474,000

SGA / Employee

$203,622

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	30.2%	30.3%	26.0%	25.3%	30.5%	31.9%	23.1%	18.6%	8.2%	7.8%	8.6%	11.8%	12.9%	9.8%	8.1%	6.3%	5.9%	7.3%	9.2%	11.0%	11.04%
ROA	2.6%	2.6%	2.1%	2.0%	2.4%	2.5%	2.0%	1.6%	0.7%	0.7%	0.7%	1.0%	1.0%	0.8%	0.6%	0.5%	0.5%	0.6%	0.7%	0.9%	0.88%
ROIC	15.8%	15.8%	-2.6%	-2.5%	-3.0%	-3.2%	-43.5%	-35.1%	-15.5%	-14.7%	-9.4%	-12.9%	-14.1%	-10.7%	16.2%	12.5%	11.7%	14.5%	21.2%	25.3%	25.31%
ROCE	8.3%	8.2%	19.3%	19.2%	23.4%	23.5%	22.8%	18.6%	7.4%	7.2%	8.3%	10.2%	11.9%	9.4%	7.5%	6.8%	6.4%	8.0%	1.1%	1.2%	1.24%
Gross Margin	84.5%	83.3%	84.5%	86.5%	76.7%	65.4%	51.6%	48.0%	48.9%	53.0%	46.5%	46.2%	48.4%	38.5%	38.0%	40.1%	46.2%	46.5%	58.5%	48.2%	48.23%
Operating Margin	48.5%	37.3%	40.0%	34.5%	1.2%	33.3%	0.5%	2.1%	9.9%	19.8%	8.8%	10.0%	15.6%	7.5%	5.5%	5.6%	12.1%	14.2%	27.7%	15.4%	15.42%
Net Margin	40.5%	29.2%	25.2%	27.7%	91.9%	32.2%	1.2%	0.2%	9.1%	18.4%	8.2%	12.5%	11.7%	5.5%	4.1%	4.1%	9.1%	10.3%	15.2%	11.6%	11.56%
EBITDA Margin	51.9%	41.9%	44.5%	38.8%	1.2%	37.1%	4.0%	5.2%	12.6%	22.3%	11.5%	12.3%	18.0%	10.1%	8.3%	8.5%	14.8%	16.7%	28.9%	15.4%	15.42%
FCF Margin	-68.2%	-28.0%	-21.3%	12.8%	13.3%	18.8%	15.9%	16.7%	48.2%	61.1%	73.8%	59.8%	49.8%	52.9%	52.4%	55.1%	68.0%	16.8%	6.8%	5.0%	4.98%
OCF Margin	-63.9%	-23.7%	-20.7%	17.1%	19.7%	26.4%	24.5%	22.8%	53.3%	65.8%	79.8%	66.8%	57.8%	60.4%	57.7%	58.3%	69.5%	17.2%	7.7%	5.8%	5.83%
ROE 3Y Avg	snapshot only																				9.03%
ROE 5Y Avg	snapshot only																				13.46%
ROA 3Y Avg	snapshot only																				0.73%
ROIC 3Y Avg	snapshot only																				15.15%
ROIC Economic	snapshot only																				9.30%
Cash ROA	snapshot only																				0.41%
Cash ROIC	snapshot only																				12.69%
CROIC	snapshot only																				10.84%
NOPAT Margin	snapshot only																				11.64%
Pretax Margin	snapshot only																				17.65%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				23.86%
SBC / Revenue	snapshot only																				0.69%

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	15.74	16.97	23.44	14.01	7.66	6.62	7.59	7.63	18.68	21.85	27.71	18.63	14.37	25.88	23.47	20.40	24.30	23.38	15.32	12.34	13.790
P/S Ratio	5.33	5.81	7.73	4.39	3.22	2.80	2.63	1.96	1.82	1.80	2.64	2.28	1.84	2.44	1.96	1.29	1.40	1.64	1.53	1.44	1.620
P/B Ratio	4.61	4.97	5.47	3.17	2.10	1.89	1.65	1.34	1.44	1.60	2.27	2.09	1.76	2.40	1.82	1.22	1.36	1.63	1.27	1.23	1.340
P/FCF	-7.82	-20.72	-36.30	34.36	24.22	14.94	16.57	11.74	3.78	2.94	3.57	3.81	3.68	4.62	3.73	2.34	2.06	9.76	22.59	28.87	28.866
P/OCF	—	—	—	25.67	16.31	10.61	10.75	8.57	3.42	2.73	3.30	3.41	3.18	4.04	3.39	2.21	2.02	9.53	19.96	24.66	24.656
EV/EBITDA	15.67	16.90	13.50	6.44	2.59	2.06	0.53	-0.68	-0.53	0.97	3.48	1.62	-0.70	4.17	11.53	6.58	8.23	9.11	4.48	3.76	3.759
EV/Revenue	6.33	6.81	6.19	2.88	1.54	1.19	0.24	-0.24	-0.07	0.12	0.47	0.24	-0.11	0.54	1.40	0.73	0.87	1.11	0.80	0.72	0.724
EV/EBIT	17.53	18.93	14.87	7.10	2.81	2.23	0.58	-0.77	-0.69	1.28	4.37	1.95	-0.82	5.15	14.54	8.65	11.15	11.74	5.16	4.10	4.101
EV/FCF	-9.28	-24.30	-29.07	22.56	11.62	6.34	1.51	-1.42	-0.15	0.19	0.63	0.40	-0.23	1.03	2.66	1.33	1.27	6.63	11.79	14.53	14.531
Earnings Yield	6.4%	5.9%	4.3%	7.1%	13.0%	15.1%	13.2%	13.1%	5.4%	4.6%	3.6%	5.4%	7.0%	3.9%	4.3%	4.9%	4.1%	4.3%	6.5%	8.1%	8.11%
FCF Yield	-12.8%	-4.8%	-2.8%	2.9%	4.1%	6.7%	6.0%	8.5%	26.4%	34.0%	28.0%	26.2%	27.2%	21.6%	26.8%	42.8%	48.5%	10.2%	4.4%	3.5%	3.46%
PEG Ratio	snapshot only																				0.136
Price/Tangible Book	snapshot only																				1.225
EV/OCF	snapshot only																				12.412
EV/Gross Profit	snapshot only																				1.445
Acquirers Multiple	snapshot only																				4.101
Shareholder Yield	snapshot only																				0.92%
Graham Number	snapshot only																				$40.35

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	0.18	0.18	0.15	0.15	0.15	0.15	0.15	0.15	0.15	0.15	0.17	0.17	0.17	0.17	0.05	0.05	0.05	0.05	1752.59	1752.59	1752.590
Quick Ratio	0.18	0.18	0.15	0.15	0.15	0.15	0.15	0.15	0.15	0.15	0.17	0.17	0.17	0.17	0.05	0.05	0.05	0.05	1752.59	1752.59	1752.590
Debt/Equity	2.72	2.72	0.45	0.45	0.45	0.45	0.10	0.10	0.10	0.10	0.03	0.03	0.03	0.03	0.11	0.11	0.11	0.11	0.08	0.08	0.084
Net Debt/Equity	0.86	0.86	-1.09	-1.09	-1.09	-1.09	-1.50	-1.50	-1.50	-1.50	-1.87	-1.87	-1.87	-1.87	-0.52	-0.52	-0.52	-0.52	-0.61	-0.61	-0.608
Debt/Assets	0.20	0.20	0.04	0.04	0.04	0.04	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.01	0.01	0.01	0.01	0.01	0.01	0.007
Debt/EBITDA	7.77	7.86	1.37	1.37	1.15	1.14	0.36	0.43	0.94	0.95	0.22	0.19	0.17	0.20	1.00	1.07	1.10	0.93	0.56	0.51	0.510
Net Debt/EBITDA	2.46	2.49	-3.36	-3.37	-2.81	-2.80	-5.26	-6.35	-13.76	-13.95	-16.19	-13.77	-12.08	-14.60	-4.64	-4.94	-5.11	-4.30	-4.11	-3.71	-3.708
Interest Coverage	2.24	2.48	3.27	3.44	4.01	3.18	1.80	1.00	0.29	0.22	0.24	0.27	0.30	0.22	0.20	0.18	0.17	0.21	0.35	0.41	0.407
Equity Multiplier	13.86	13.86	11.49	11.49	11.49	11.49	12.15	12.15	12.15	12.15	12.49	12.49	12.49	12.49	12.96	12.96	12.96	12.96	12.11	12.11	12.109
Cash Ratio	snapshot only																				1595.764
Debt Service Coverage	snapshot only																				0.444
Cash to Debt	snapshot only																				8.271
FCF to Debt	snapshot only																				0.507
Defensive Interval	snapshot only																				1003.1 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	0.08	0.08	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.08	0.07	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.07	0.08	0.076
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	24.50	25.06	25.055
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	15	15	14.6 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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	15	15	—
Fixed Asset Turnover	snapshot only																				4.433
Cash Velocity	snapshot only																				1.231
Capital Intensity	snapshot only																				14.213

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	55.3%	34.5%	33.9%	22.2%	-5.2%	-0.7%	0.5%	7.2%	37.7%	49.9%	52.6%	49.2%	34.9%	22.6%	19.7%	14.3%	12.3%	11.7%	12.0%	12.7%	12.67%
Net Income	23.1%	3.5%	1.8%	52.1%	17.5%	22.9%	5.5%	-12.3%	-68.0%	-70.9%	-58.1%	-28.9%	76.5%	40.7%	4.8%	-41.0%	-49.3%	-16.9%	34.0%	1.1%	1.08%
EPS	21.0%	3.2%	1.7%	50.3%	18.2%	23.6%	7.1%	-11.8%	-68.0%	-71.2%	-58.5%	-29.9%	73.8%	38.6%	2.9%	-41.2%	-49.6%	-17.4%	33.5%	1.1%	1.06%
FCF	-3.4%	68.6%	62.3%	1.3%	1.2%	1.7%	1.7%	39.8%	4.0%	3.9%	6.1%	4.4%	39.4%	6.0%	-15.0%	5.3%	53.2%	-64.5%	-85.6%	-89.8%	-89.81%
EBITDA	6.3%	1.9%	2.4%	81.3%	39.9%	42.0%	-0.5%	-17.3%	-68.2%	-68.7%	-55.0%	-36.1%	57.9%	32.5%	8.1%	-13.8%	-26.8%	5.0%	64.5%	94.3%	94.31%
Op. Income	34.1%	3.0%	3.4%	97.5%	44.5%	47.0%	-0.2%	-18.6%	-73.6%	-74.3%	-60.6%	-40.8%	74.9%	41.5%	7.7%	-20.8%	-36.3%	0.7%	80.4%	1.3%	1.34%
OCF Growth	snapshot only																				-88.72%
Asset Growth	snapshot only																				16.93%
Equity Growth	snapshot only																				25.11%
Debt Growth	snapshot only																				-7.32%
Shares Change	snapshot only																				1.19%
Dividend Growth	snapshot only																				86.14%

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	26.5%	23.8%	24.6%	25.6%	21.6%	21.5%	20.5%	23.2%	26.6%	26.0%	27.1%	25.0%	20.8%	22.2%	22.4%	22.3%	27.8%	27.1%	27.0%	24.3%	24.31%
Revenue 5Y	31.6%	28.5%	28.5%	27.0%	21.7%	21.0%	20.2%	20.1%	21.4%	23.1%	24.3%	26.0%	27.3%	26.9%	26.1%	26.1%	25.2%	22.4%	22.4%	20.3%	20.28%
EPS 3Y	11.4%	11.0%	43.1%	52.5%	77.4%	1.1%	1.1%	1.5%	1.0%	14.1%	5.9%	-2.4%	-13.0%	-21.0%	-23.0%	-28.6%	-34.5%	-30.9%	-17.1%	-5.3%	-5.34%
EPS 5Y	57.5%	56.0%	56.5%	53.1%	44.5%	38.8%	10.0%	4.1%	-12.2%	-13.4%	5.4%	17.0%	25.4%	28.1%	30.8%	46.0%	48.8%	11.2%	10.3%	2.4%	2.37%
Net Income 3Y	14.3%	13.9%	48.1%	57.6%	82.7%	1.1%	1.1%	1.6%	1.1%	17.4%	7.5%	-1.7%	-12.8%	-20.5%	-22.6%	-28.4%	-34.1%	-30.2%	-16.2%	-4.4%	-4.41%
Net Income 5Y	65.4%	64.0%	64.7%	60.5%	51.1%	43.0%	11.9%	5.9%	-10.9%	-12.0%	7.5%	19.6%	28.1%	31.0%	33.8%	49.2%	52.0%	13.6%	11.8%	3.1%	3.09%
EBITDA 3Y	17.4%	15.5%	54.9%	63.9%	84.1%	89.8%	74.6%	92.3%	48.3%	9.4%	14.6%	-1.4%	-11.1%	-16.2%	-21.4%	-23.0%	-28.3%	-24.2%	-7.1%	2.3%	2.29%
EBITDA 5Y	48.4%	46.9%	61.0%	61.6%	54.2%	51.0%	16.3%	10.5%	-6.4%	-7.3%	10.8%	18.4%	25.7%	23.2%	21.0%	31.4%	30.4%	12.8%	21.8%	9.9%	9.93%
Gross Profit 3Y	26.5%	25.6%	30.1%	33.1%	30.1%	29.8%	23.5%	21.9%	21.6%	17.2%	16.1%	9.5%	2.9%	0.2%	-2.4%	-3.8%	0.9%	4.1%	12.8%	18.0%	17.99%
Gross Profit 5Y	29.4%	27.8%	29.4%	28.0%	21.7%	19.6%	15.9%	12.7%	12.1%	12.8%	14.5%	16.8%	19.1%	18.2%	16.3%	16.8%	16.1%	13.4%	15.6%	11.7%	11.73%
Op. Income 3Y	17.7%	16.1%	66.0%	80.1%	1.1%	1.3%	1.1%	2.2%	1.4%	14.3%	20.5%	-1.6%	-12.6%	-18.9%	-24.9%	-27.4%	-33.5%	-28.5%	-8.5%	3.2%	3.19%
Op. Income 5Y	50.4%	48.9%	65.1%	67.1%	58.5%	56.5%	16.4%	10.4%	-9.0%	-10.0%	12.5%	23.0%	34.6%	33.5%	30.6%	71.6%	71.7%	16.3%	27.7%	12.1%	12.05%
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	99.0%	1.2%	22.5%	-4.5%	-16.9%	-16.89%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	84.0%	94.4%	10.2%	-13.8%	-21.1%	-21.12%
OCF 5Y	—	—	—	—	—	—	—	—	—	33.4%	1.2%	—	—	—	—	—	—	—	—	—	—
Assets 3Y	41.8%	41.8%	30.8%	30.8%	30.8%	30.8%	27.0%	27.0%	27.0%	27.0%	12.7%	12.7%	12.7%	12.7%	16.4%	16.4%	16.4%	16.4%	15.4%	15.4%	15.37%
Assets 5Y	49.5%	49.5%	36.2%	36.2%	36.2%	36.2%	29.0%	29.0%	29.0%	29.0%	25.2%	25.2%	25.2%	25.2%	21.9%	21.9%	21.9%	21.9%	14.0%	14.0%	13.97%
Equity 3Y	9.1%	9.1%	13.2%	13.2%	13.2%	13.2%	15.1%	15.1%	15.1%	15.1%	16.7%	16.7%	16.7%	16.7%	11.8%	11.8%	11.8%	11.8%	15.5%	15.5%	15.51%
Book Value 3Y	6.3%	6.4%	9.4%	9.4%	9.9%	10.0%	11.9%	11.6%	11.8%	11.8%	15.0%	15.9%	16.3%	15.9%	11.2%	11.4%	11.0%	10.6%	14.2%	14.4%	14.39%
Dividend 3Y	-1.2%	-0.6%	-1.5%	-1.8%	-1.8%	-2.1%	-2.3%	-2.6%	-2.5%	-2.5%	-1.1%	-0.3%	0.1%	-0.2%	-0.0%	0.1%	-0.2%	1.9%	12.7%	21.8%	21.82%

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	0.89	0.93	0.95	0.95	0.89	0.94	0.94	0.95	0.89	0.88	0.88	0.91	0.90	0.93	0.93	0.95	0.96	0.95	0.95	0.95	0.953
Earnings Stability	0.27	0.35	0.32	0.37	0.44	0.51	0.40	0.33	0.08	0.09	0.32	0.47	0.18	0.09	0.09	0.04	0.00	0.03	0.03	0.15	0.153
Margin Stability	0.86	0.87	0.87	0.87	0.86	0.87	0.86	0.84	0.81	0.81	0.81	0.79	0.77	0.75	0.73	0.72	0.72	0.74	0.79	0.78	0.780
Rev. Growth Consistency	1.00	1.00	1.00	1.00	0.00	0.00	1.00	1.00	0.50	0.50	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	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.00	0.00	1.00	0.50	0.500
FCF Positive Streak	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.50	0.93	0.91	0.98	0.95	0.50	0.50	0.50	0.88	0.50	0.84	0.98	0.84	0.80	0.93	0.86	0.50	0.500
Earnings Smoothness	0.00	0.00	0.05	0.59	0.84	0.79	0.95	0.87	0.00	0.00	0.18	0.66	0.45	0.66	0.95	0.48	0.35	0.82	0.71	0.30	0.298
ROE Trend	0.25	0.24	0.16	0.13	0.12	0.10	0.05	-0.03	-0.21	-0.22	-0.14	-0.09	-0.05	-0.09	-0.07	-0.08	-0.04	-0.01	0.00	0.01	0.013
Gross Margin Trend	0.15	0.18	0.20	0.18	0.14	0.06	-0.05	-0.20	-0.28	-0.29	-0.27	-0.23	-0.19	-0.19	-0.16	-0.12	-0.10	-0.05	0.02	0.05	0.052
FCF Margin Trend	0.42	1.32	1.08	1.25	0.99	0.93	0.64	0.38	0.76	0.66	0.77	0.45	0.19	0.13	0.08	0.17	0.19	-0.40	-0.56	-0.52	-0.524
Sustainable Growth Rate	29.3%	29.3%	25.2%	24.5%	29.7%	31.1%	22.4%	17.9%	7.5%	7.1%	8.0%	11.2%	12.3%	9.1%	7.6%	5.7%	5.3%	6.7%	8.5%	10.1%	10.14%
Internal Growth Rate	2.6%	2.6%	2.1%	2.0%	2.4%	2.5%	1.9%	1.5%	0.6%	0.6%	0.7%	0.9%	1.0%	0.7%	0.6%	0.4%	0.4%	0.5%	0.7%	0.8%	0.82%

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	-1.89	-0.69	-0.63	0.55	0.47	0.62	0.71	0.89	5.46	8.00	8.39	5.47	4.52	6.40	6.92	9.24	12.04	2.45	0.77	0.50	0.500
FCF/OCF	1.07	1.18	1.03	0.75	0.67	0.71	0.65	0.73	0.90	0.93	0.92	0.89	0.86	0.88	0.91	0.95	0.98	0.98	0.88	0.85	0.854
FCF/Net Income	snapshot only																				0.427
OCF/EBITDA	snapshot only																				0.303
CapEx/Revenue	4.3%	4.4%	0.6%	4.3%	6.4%	7.7%	8.6%	6.2%	5.1%	4.6%	6.0%	7.0%	7.9%	7.5%	5.3%	3.2%	1.5%	0.4%	0.9%	0.9%	0.85%
CapEx/Depreciation	snapshot only																				0.529
Accruals Ratio	0.08	0.04	0.03	0.01	0.01	0.01	0.01	0.00	-0.03	-0.05	-0.05	-0.04	-0.04	-0.04	-0.04	-0.04	-0.05	-0.01	0.00	0.00	0.004
Sloan Accruals	snapshot only																				0.859
Cash Flow Adequacy	snapshot only																				3.241
Earnings Quality Score	snapshot only																				0.500

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	0.2%	0.2%	0.1%	0.2%	0.3%	0.4%	0.4%	0.5%	0.5%	0.4%	0.3%	0.3%	0.3%	0.2%	0.3%	0.4%	0.4%	0.4%	0.5%	0.7%	0.32%
Dividend/Share	$0.11	$0.11	$0.11	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.12	$0.13	$0.17	$0.22	$0.12
Payout Ratio	3.0%	3.1%	3.1%	3.2%	2.7%	2.6%	3.0%	3.7%	8.5%	8.9%	7.2%	5.3%	4.9%	6.4%	7.0%	9.1%	9.7%	8.4%	7.7%	8.1%	8.14%
FCF Payout Ratio	—	—	—	7.9%	8.5%	5.8%	6.5%	5.7%	1.7%	1.2%	0.9%	1.1%	1.2%	1.1%	1.1%	1.0%	0.8%	3.5%	11.3%	19.0%	19.05%
Total Payout Ratio	3.0%	3.1%	3.1%	3.2%	2.7%	2.6%	3.0%	3.7%	8.5%	8.9%	7.2%	5.3%	4.9%	6.4%	7.0%	9.1%	9.7%	8.4%	7.7%	11.4%	11.36%
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	0.05	0.06	0.06	0.05	0.04	0.02	0.02	0.02	0.02	0.02	0.01	0.01	0.02	0.02	0.02	0.02	0.02	0.09	0.48	0.87	0.868
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.3%	0.26%
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%	0.0%	-0.0%	0.2%	0.17%
Total Shareholder Return	0.2%	0.2%	0.1%	0.2%	0.3%	0.4%	0.4%	0.5%	0.5%	0.4%	0.3%	0.3%	0.3%	0.2%	0.3%	0.4%	0.3%	0.4%	0.5%	0.8%	0.83%

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)	0.94	0.95	0.79	0.77	0.76	0.79	0.84	0.83	0.92	0.90	0.89	1.00	0.93	0.90	0.87	0.74	0.74	0.74	0.64	0.66	0.660
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	0.36	0.36	0.42	0.41	0.55	0.53	0.41	0.31	0.11	0.09	0.11	0.12	0.14	0.11	0.10	0.08	0.08	0.09	0.15	0.18	0.176
Asset Turnover	0.08	0.08	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.08	0.07	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.07	0.08	0.076
Equity Multiplier	11.53	11.53	12.54	12.54	12.54	12.54	11.84	11.84	11.84	11.84	12.33	12.33	12.33	12.33	12.73	12.73	12.73	12.73	12.49	12.49	12.485

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)	$3.69	$3.70	$3.67	$3.58	$4.36	$4.57	$3.93	$3.16	$1.40	$1.31	$1.63	$2.21	$2.43	$1.82	$1.68	$1.30	$1.22	$1.51	$2.24	$2.68	$2.68
Book Value/Share	$12.60	$12.61	$15.73	$15.81	$15.96	$15.96	$18.11	$18.04	$18.09	$17.92	$19.92	$19.78	$19.83	$19.64	$21.64	$21.83	$21.81	$21.62	$27.00	$27.00	$27.92
Tangible Book/Share	$12.60	$12.61	$15.73	$15.81	$15.96	$15.96	$18.11	$18.04	$18.09	$17.92	$19.92	$19.78	$19.83	$19.64	$21.64	$21.83	$21.81	$21.62	$27.00	$27.00	$27.00
Revenue/Share	$10.90	$10.80	$11.14	$11.43	$10.39	$10.78	$11.36	$12.33	$14.30	$15.99	$17.14	$18.12	$19.01	$19.31	$20.13	$20.66	$21.22	$21.46	$22.49	$23.00	$23.20
FCF/Share	$-7.43	$-3.03	$-2.37	$1.46	$1.38	$2.02	$1.80	$2.05	$6.90	$9.78	$12.65	$10.83	$9.47	$10.21	$10.55	$11.38	$14.43	$3.61	$1.52	$1.15	$2.75
OCF/Share	$-6.96	$-2.55	$-2.31	$1.96	$2.05	$2.85	$2.78	$2.81	$7.62	$10.51	$13.69	$12.11	$10.98	$11.66	$11.62	$12.03	$14.74	$3.69	$1.72	$1.34	$3.06
Cash/Share	$23.38	$23.40	$24.15	$24.28	$24.51	$24.51	$29.00	$28.89	$28.97	$28.69	$37.72	$37.44	$37.54	$37.19	$13.74	$13.87	$13.85	$13.73	$18.68	$18.68	$49.03
EBITDA/Share	$4.40	$4.35	$5.11	$5.12	$6.20	$6.22	$5.16	$4.26	$1.97	$1.93	$2.30	$2.68	$3.07	$2.51	$2.44	$2.31	$2.23	$2.62	$4.00	$4.43	$4.43
Debt/Share	$34.22	$34.24	$7.00	$7.04	$7.10	$7.11	$1.86	$1.85	$1.86	$1.84	$0.52	$0.51	$0.51	$0.51	$2.44	$2.47	$2.46	$2.44	$2.26	$2.26	$2.26
Net Debt/Share	$10.84	$10.84	$-17.15	$-17.24	$-17.40	$-17.41	$-27.14	$-27.04	$-27.12	$-26.86	$-37.20	$-36.93	$-37.03	$-36.68	$-11.30	$-11.40	$-11.39	$-11.29	$-16.42	$-16.42	$-16.42

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.915
Altman Z-Prime	snapshot only																				0.785
Piotroski F-Score	6	6	5	6	5	5	4	4	5	5	6	6	7	7	5	5	5	6	7	7	7
Beneish M-Score	-1.46	-2.33	-2.21	-2.40	-2.79	-2.16	-1.80	-1.63	-1.44	-1.88	-2.34	-2.31	-2.40	-2.32	-2.21	-2.41	-2.48	-2.46	-2.49	-2.40	-2.402
Ohlson O-Score	snapshot only																				-5.630
ROIC (Greenblatt)	snapshot only																				15.80%
Net-Net WC	snapshot only																				$-279.29
EVA	snapshot only																				$74963100.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A-
Credit Score	51.39	50.93	62.67	65.03	63.81	65.61	85.10	85.05	66.91	64.38	68.32	73.10	76.35	68.99	59.32	54.62	54.33	54.54	66.17	68.96	68.955
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				14.340
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				60
Sector Credit Rank	snapshot only																				59

LOB NYSE

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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