Also trades as: MSBIP (NASDAQ) · $vol 0M

$34.24

+0.28 (+0.82%)

After Hours: $30.70 (-3.54, -10.34%)

Weekly Expected Move ±2.8%

$31 $32 $33 $34 $35

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 66 · $704.7M mcap · 20M float · 0.912% daily turnover · Short 65% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

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.

NO EDGE

36.4 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: -4.1%

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. MSBI has No discernible competitive edge (36.4/100). The business operates without significant structural advantages. The primary source of advantage is Intangible Assets. Negative ROIC of -4.1% indicates the company is currently destroying value, though this may reflect a growth investment phase.

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

$36

Low

$36

Avg Target

$37

High

Based on 2 analysts since Oct 22, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 0Hold: 4Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$36.00

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-27	Stephens	—	$21	$36	+15	+6.0%	$33.96
2026-10-26	Piper Sandler	Nathan Race	$35	$37	+2	+12.2%	$32.98
2026-07-28	Piper Sandler	—	$32	$35	+3	+6.6%	$32.83
2026-07-27	D.A. Davidson	—	$26	$33	+7	+0.6%	$32.79
2026-06-26	Piper Sandler	Nathan Race	$28	$32	+4	+4.9%	$30.51
2026-04-27	D.A. Davidson	—	$24	$26	+2	-0.1%	$26.03
2026-04-27	Piper Sandler	Nathan Race	$19	$28	+9	+12.0%	$25.00
2026-01-26	D.A. Davidson	—	Initiated	$24	—	+4.3%	$23.00
2026-01-26	UBS	—	Initiated	$26	—	+10.9%	$23.00
2025-12-02	Piper Sandler	Nathan Race	$18	$19	+1	+14.7%	$16.56
2025-11-04	Piper Sandler	—	$27	$18	-9	+10.9%	$16.23
2025-09-10	Stephens	—	Initiated	$21	—	+17.5%	$17.87
2024-07-30	Piper Sandler	Nathan Race	$24	$27	+2	+15.9%	$23.29
2024-04-30	Piper Sandler	Nathan Race	Initiated	$24	—	+11.9%	$21.90

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.

Oct 27, 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. MSBI receives an overall rating of B. Strongest factors: DCF (5/5). Areas of concern: ROA (2/5), D/E (2/5), P/E (2/5).

Rating Change History

Date	From	To
2026-10-26	B+	B
2026-10-01	B	B+
2026-07-25	B+	B
2026-05-18	B	B+
2026-04-28	B+	B
2026-04-27	C+	B+
2026-04-16	B-	C+
2026-04-02	C+	B-
2026-04-01	B-	C+
2026-03-04	C+	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.

★ ★ ★ ★ ★ 48 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. MSBI scores highest in Earnings Quality (92/100) and lowest in Growth (40/100). An overall grade of A places MSBI 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

2.73

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✗

Beneish M-Score

-3.71

Unlikely Manipulator

Ohlson O-Score

-4.57

Bankruptcy prob: 1.0%

Low Risk

Credit Rating

BBB+

Score: 63.1/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 2.77x

Accruals: -1.1%

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. MSBI scores 2.73, 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. MSBI scores 8/9, 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. MSBI's score of -3.71 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. MSBI's implied 1.0% 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. MSBI receives an estimated rating of BBB+ (score: 63.1/100), 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). MSBI'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

14.65x

PEG

0.05x

P/S

1.60x

P/B

1.36x

P/FCF

5.64x

P/OCF

5.50x

EV/EBITDA

-13.80x

EV/Revenue

-2.16x

EV/EBIT

-16.47x

EV/FCF

-8.21x

Earnings Yield

6.56%

FCF Yield

17.73%

Shareholder Yield

8.69%

Graham Number

$35.24

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 14.6x earnings, MSBI trades at a reasonable valuation. An earnings yield of 6.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $35.24 per share, suggesting a potential 4% 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

0.742

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.131

EBIT / Rev

Asset Turnover

0.064

Rev / Assets

Equity Multiplier

12.077

Assets / Equity

ROE

7.5%

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. MSBI's ROE of 7.5% is driven by financial leverage (equity multiplier: 12.08x). 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.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$17.35

Price/Value

1.79x

Margin of Safety

-79.47%

Premium

79.47%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with MSBI's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. MSBI trades at a 79% premium to its adjusted intrinsic value of $17.35, 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 14.6x.

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

$34.24

Median 1Y

$34.83

5th Pctile

$18.68

95th Pctile

$64.91

Ann. Volatility

37.9%

Analyst Target

$36.00

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
Jeffrey G. Ludwig President and Chief Executive Officer of the Company and Chief Executive Officer of the Bank	$749,800	$562,322	$1,532,241
Jeremy A. Jameson Executive Vice President and Chief Credit Officer of the Bank	$456,400	$841,264	$1,427,826
Jeffrey S. Mefford Executive Vice President of the Company and President of the Bank	$525,000	$341,258	$1,015,835
Eric T. Lemke Senior Vice President and Chief Financial Officer of the Company and the Bank	$437,400	$218,721	$742,205
Daniel E. Casey Executive Vice President and Chief Risk Officer of the Bank	$340,615	$157,526	$564,269

CEO Pay Ratio

10:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,532,241

Avg Employee Cost (SGA/emp): $146,157

Employees: 861

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

861

-3.9% YoY

Revenue / Employee

$543,079

Rev: $467,591,000

Profit / Employee

$-144,345

NI: $-124,281,000

SGA / Employee

$146,157

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	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	Q2'26	Current
ROE	10.4%	12.7%	13.0%	13.3%	12.8%	13.9%	14.1%	14.1%	11.7%	8.9%	8.9%	9.5%	10.5%	9.0%	-14.1%	-16.1%	-17.5%	-19.5%	6.2%	7.5%	7.52%
ROA	1.0%	1.1%	1.2%	1.2%	1.2%	1.3%	1.3%	1.3%	1.1%	0.9%	0.9%	0.9%	1.1%	0.9%	-1.3%	-1.5%	-1.7%	-1.8%	0.5%	0.6%	0.62%
ROIC	-28.4%	-21.4%	-8.0%	82.4%	29.2%	20.6%	22.7%	23.5%	19.6%	19.9%	47.4%	27.8%	12.7%	99.9%	3.1%	-9.6%	49.4%	13.9%	-7.4%	-4.1%	-4.13%
ROCE	5.6%	8.5%	8.4%	10.9%	10.2%	10.6%	9.7%	9.1%	11.1%	8.0%	9.3%	7.6%	8.7%	7.6%	-7.8%	-9.4%	-10.4%	-1.8%	4.9%	5.9%	5.88%
Gross Margin	91.0%	92.2%	87.0%	84.0%	76.1%	74.7%	65.5%	59.7%	56.1%	54.4%	52.5%	58.0%	50.7%	28.5%	54.9%	52.1%	50.3%	68.9%	68.9%	68.4%	68.37%
Operating Margin	33.2%	36.0%	35.2%	34.9%	31.2%	36.7%	25.9%	24.5%	20.1%	17.5%	21.0%	23.6%	18.1%	-1.3%	-1.2%	12.6%	9.8%	-3.0%	22.3%	23.0%	23.03%
Net Margin	25.5%	27.2%	26.7%	26.2%	25.0%	27.5%	19.7%	18.3%	10.0%	12.0%	16.4%	19.1%	14.9%	-0.6%	-1.2%	10.2%	6.5%	-2.7%	17.1%	17.8%	17.77%
EBITDA Margin	38.4%	40.6%	40.2%	39.3%	35.1%	39.3%	28.7%	26.9%	23.0%	20.4%	23.5%	26.1%	20.5%	0.5%	-1.2%	15.1%	12.3%	-0.3%	24.8%	25.4%	25.43%
FCF Margin	1.3%	1.1%	67.2%	83.5%	69.4%	62.2%	51.0%	30.7%	19.4%	31.7%	32.6%	26.3%	30.3%	28.6%	29.2%	32.4%	42.7%	27.1%	26.1%	26.3%	26.27%
OCF Margin	1.3%	1.1%	68.0%	84.3%	70.3%	63.1%	52.4%	32.4%	21.2%	33.6%	33.9%	27.5%	31.4%	29.8%	30.6%	33.3%	43.5%	27.6%	26.3%	26.9%	26.95%
ROE 3Y Avg	snapshot only																				-0.72%
ROE 5Y Avg	snapshot only																				4.82%
ROA 3Y Avg	snapshot only																				0.02%
ROIC Economic	snapshot only																				4.75%
Cash ROA	snapshot only																				1.78%
NOPAT Margin	snapshot only																				9.71%
Pretax Margin	snapshot only																				13.09%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				29.59%
SBC / Revenue	snapshot only																				0.65%

Valuation

Metric	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	Q2'26	Current
P/E Ratio	6.68	5.54	6.27	5.18	4.91	5.07	4.09	3.82	4.50	7.73	7.04	6.05	5.39	7.27	-3.73	-3.32	-3.00	-3.72	13.52	15.25	14.648
P/S Ratio	1.43	1.43	1.66	1.37	1.29	1.34	1.00	0.86	0.85	1.16	1.01	0.89	0.85	0.83	0.63	0.66	0.69	1.01	1.06	1.48	1.596
P/B Ratio	0.68	0.68	0.81	0.69	0.59	0.66	0.53	0.49	0.52	0.67	0.62	0.57	0.55	0.69	0.63	0.63	0.63	0.82	0.85	1.15	1.357
P/FCF	1.13	1.36	2.46	1.64	1.85	2.15	1.97	2.81	4.40	3.64	3.08	3.37	2.80	2.90	2.15	2.03	1.62	3.74	4.06	5.64	5.640
P/OCF	1.13	1.35	2.44	1.62	1.83	2.12	1.91	2.67	4.03	3.44	2.96	3.22	2.70	2.79	2.05	1.97	1.59	3.68	4.03	5.50	5.498
EV/EBITDA	-4.67	-5.14	-1.11	-0.71	0.03	1.56	0.51	0.20	0.57	0.76	-1.34	-0.62	-3.05	-1.56	3.34	-7.01	3.92	7.37	-9.53	-13.80	-13.801
EV/Revenue	-1.44	-1.88	-0.42	-0.28	0.01	0.60	0.18	0.07	0.17	0.19	-0.31	-0.14	-0.69	-0.25	-0.41	1.11	-0.75	-1.66	-1.24	-2.16	-2.156
EV/EBIT	-5.65	-5.98	-1.28	-0.81	0.04	1.74	0.56	0.22	0.62	0.85	-1.51	-0.70	-3.43	-1.80	2.82	-6.13	3.50	6.60	-11.86	-16.47	-16.475
EV/FCF	-1.14	-1.79	-0.62	-0.34	0.02	0.97	0.35	0.21	0.87	0.59	-0.96	-0.55	-2.29	-0.89	-1.42	3.43	-1.76	-6.13	-4.77	-8.21	-8.207
Earnings Yield	15.0%	18.1%	15.9%	19.3%	20.4%	19.7%	24.5%	26.2%	22.2%	12.9%	14.2%	16.5%	18.6%	13.8%	-26.8%	-30.1%	-33.3%	-26.9%	7.4%	6.6%	6.56%
FCF Yield	88.2%	73.7%	40.6%	61.1%	54.0%	46.4%	50.8%	35.6%	22.7%	27.4%	32.4%	29.7%	35.8%	34.4%	46.5%	49.3%	61.8%	26.7%	24.6%	17.7%	17.73%
PEG Ratio	snapshot only																				0.046
Price/Tangible Book	snapshot only																				1.184
EV/OCF	snapshot only																				-8.000
EV/Gross Profit	snapshot only																				-3.372
Acquirers Multiple	snapshot only																				-16.475
Shareholder Yield	snapshot only																				8.69%
Graham Number	snapshot only																				$35.24

Leverage & Solvency

Metric	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	Q2'26	Current
Current Ratio	0.35	0.32	0.27	0.23	0.22	0.22	0.22	0.24	0.21	0.23	0.25	0.26	0.27	0.23	0.26	0.09	0.28	27.46	0.26	0.35	0.348
Quick Ratio	0.35	0.32	0.27	0.23	0.22	0.22	0.22	0.24	0.21	0.23	0.25	0.26	0.27	0.23	0.26	0.09	0.28	27.46	0.26	0.35	0.348
Debt/Equity	1.00	0.81	0.81	0.77	0.75	0.85	0.79	0.89	0.85	0.76	0.71	0.89	0.64	0.60	1.08	0.75	0.94	0.76	0.75	0.61	0.605
Net Debt/Equity	-1.36	-1.57	-1.02	-0.84	-0.59	-0.37	-0.43	-0.45	-0.41	-0.56	-0.81	-0.66	-0.99	-0.90	-1.04	0.44	-1.31	-2.16	-1.85	-2.83	-2.828
Debt/Assets	0.09	0.07	0.07	0.07	0.07	0.08	0.08	0.09	0.08	0.08	0.07	0.09	0.07	0.06	0.08	0.06	0.08	0.07	0.06	0.05	0.051
Debt/EBITDA	6.84	4.65	4.39	3.84	4.23	4.47	4.24	4.81	4.75	5.32	4.92	5.93	4.36	4.38	-8.74	-4.92	-5.38	-4.20	7.14	4.98	4.985
Net Debt/EBITDA	-9.29	-9.04	-5.53	-4.16	-3.29	-1.92	-2.32	-2.45	-2.32	-3.92	-5.63	-4.41	-6.78	-6.65	8.41	-2.86	7.54	11.86	-17.64	-23.29	-23.286
Interest Coverage	2.39	3.29	3.74	4.16	3.28	2.32	1.54	1.10	0.84	0.60	0.57	0.56	0.56	0.44	-0.45	-0.57	-0.70	-0.76	0.34	0.45	0.453
Equity Multiplier	10.78	11.21	11.38	11.69	10.58	10.36	10.22	10.34	10.44	9.93	9.90	9.87	9.47	10.56	12.75	12.39	11.83	11.51	11.71	11.76	11.762
Cash Ratio	snapshot only																				0.342
Debt Service Coverage	snapshot only																				0.541
Cash to Debt	snapshot only																				5.671
FCF to Debt	snapshot only																				0.337
Defensive Interval	snapshot only																				3208.9 days

Efficiency & Turnover

Metric	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	Q2'26	Current
Asset Turnover	0.05	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.07	0.08	0.08	0.07	0.07	0.07	0.06	0.06	0.064
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	13.23	14.66	14.22	16.49	17.21	18.86	20.21	23.54	22.10	20.33	21.00	21.59	20.55	23.60	22.70	21.77	19.75	18.55	17.91	18.18	18.180
Payables Turnover	23.38	0.71	—	1.00	1.32	0.87	3.15	1.68	1.78	1.99	2.57	2.32	2.31	2.73	5.96	5.92	5.71	3.21	—	—	—
DSO	28	25	26	22	21	19	18	16	17	18	17	17	18	15	16	17	18	20	20	20	20.1 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	16	511	0	363	277	417	116	217	205	184	142	157	158	134	61	62	64	114	0	0	—
Cash Conversion Cycle	12	-486	26	-341	-255	-398	-98	-201	-188	-166	-125	-140	-140	-118	-45	-45	-45	-94	20	20	—
Fixed Asset Turnover	snapshot only																				5.343
Cash Velocity	snapshot only																				0.226
Capital Intensity	snapshot only																				15.128

Growth (YoY)

Metric	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	Q2'26	Current
Revenue	-3.3%	-1.6%	-0.7%	2.4%	9.4%	19.0%	28.9%	36.8%	35.6%	22.6%	19.7%	14.2%	14.3%	28.9%	16.7%	9.6%	0.6%	-23.1%	-21.2%	-19.9%	-19.93%
Net Income	1.5%	2.6%	1.1%	81.1%	34.1%	21.8%	19.8%	16.9%	-1.8%	-30.5%	-30.3%	-26.0%	-5.4%	-1.6%	-2.4%	-2.5%	-2.5%	-2.8%	1.4%	1.4%	1.39%
EPS	1.5%	2.7%	1.1%	83.7%	35.3%	22.2%	19.0%	17.8%	0.0%	-28.3%	-28.0%	-24.4%	-4.1%	-0.9%	-2.4%	-2.5%	-2.5%	-2.8%	1.4%	1.4%	1.41%
FCF	-6.7%	-33.2%	-64.6%	-45.8%	-39.7%	-29.7%	-2.2%	-49.6%	-62.1%	-37.5%	-23.5%	-2.3%	78.4%	16.3%	4.4%	35.3%	42.1%	-27.2%	-29.5%	-35.2%	-35.18%
EBITDA	67.1%	1.2%	62.5%	70.2%	37.2%	24.9%	22.1%	12.0%	3.7%	-21.2%	-20.9%	-17.9%	-12.4%	-14.9%	-1.6%	-1.7%	-1.8%	-2.1%	1.8%	1.8%	1.79%
Op. Income	1.1%	2.1%	89.6%	97.2%	47.0%	31.0%	28.0%	16.1%	6.7%	-22.3%	-22.7%	-20.2%	-14.5%	-17.3%	-1.8%	-2.0%	-2.1%	-2.4%	1.6%	1.6%	1.58%
OCF Growth	snapshot only																				-35.24%
Asset Growth	snapshot only																				-5.73%
Equity Growth	snapshot only																				-0.70%
Debt Growth	snapshot only																				-20.05%
Shares Change	snapshot only																				-3.42%
Dividend Growth	snapshot only																				5.54%

Growth (CAGR)

Metric	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	Q2'26	Current
Revenue 3Y	5.1%	2.5%	1.0%	1.1%	1.9%	5.1%	7.8%	10.6%	12.8%	12.8%	15.3%	17.0%	19.2%	23.4%	21.6%	19.6%	16.0%	6.7%	3.3%	0.1%	0.07%
Revenue 5Y	27.8%	15.8%	9.7%	9.9%	9.8%	12.2%	12.6%	12.0%	11.5%	9.4%	9.7%	10.1%	10.4%	12.9%	11.9%	11.1%	10.5%	7.3%	7.1%	7.0%	7.02%
EPS 3Y	42.0%	30.0%	20.6%	18.9%	18.4%	24.4%	36.0%	38.4%	50.2%	47.5%	22.3%	17.8%	9.1%	-4.6%	—	—	—	—	-28.1%	-23.1%	-23.12%
EPS 5Y	25.9%	16.5%	11.9%	15.9%	25.1%	41.8%	58.9%	42.4%	31.1%	14.0%	8.5%	8.4%	9.7%	6.5%	—	—	—	—	-1.2%	-0.3%	-0.34%
Net Income 3Y	38.5%	27.3%	17.4%	15.7%	14.6%	21.1%	32.2%	36.1%	48.1%	45.1%	20.8%	16.2%	7.6%	-5.9%	—	—	—	—	-29.4%	-24.4%	-24.44%
Net Income 5Y	35.1%	25.2%	19.1%	21.9%	28.3%	43.9%	60.6%	39.9%	28.5%	11.8%	6.2%	6.0%	6.9%	4.0%	—	—	—	—	-2.3%	-1.8%	-1.79%
EBITDA 3Y	22.0%	20.0%	12.7%	12.9%	11.2%	16.2%	24.1%	26.7%	33.5%	30.2%	16.2%	16.1%	7.6%	-5.7%	—	—	—	—	-26.0%	-21.6%	-21.59%
EBITDA 5Y	26.8%	17.0%	12.0%	15.8%	20.3%	29.3%	34.7%	26.5%	20.9%	11.2%	6.7%	5.8%	4.5%	1.0%	—	—	—	—	-4.3%	-1.7%	-1.67%
Gross Profit 3Y	6.5%	5.4%	4.8%	5.2%	4.8%	6.7%	8.2%	8.7%	8.8%	5.7%	3.9%	3.3%	2.5%	-1.1%	-2.7%	-4.9%	-6.6%	-5.0%	-4.1%	-2.3%	-2.30%
Gross Profit 5Y	26.6%	15.9%	10.1%	10.0%	9.0%	11.0%	10.1%	7.9%	6.3%	2.4%	1.8%	2.5%	2.6%	2.0%	1.9%	0.8%	0.4%	2.3%	2.1%	2.3%	2.28%
Op. Income 3Y	28.1%	25.0%	15.8%	16.3%	14.7%	21.5%	32.7%	37.1%	49.3%	46.6%	23.3%	22.3%	10.3%	-5.5%	—	—	—	—	-28.9%	-23.8%	-23.75%
Op. Income 5Y	28.5%	18.4%	13.7%	18.4%	24.7%	37.4%	48.5%	35.1%	26.9%	14.7%	9.0%	7.8%	6.6%	2.9%	—	—	—	—	-2.7%	0.3%	0.30%
FCF 3Y	80.2%	54.5%	37.3%	36.0%	-20.6%	-20.1%	-24.5%	-39.8%	-40.3%	-33.5%	-35.8%	-35.6%	-25.9%	-20.0%	-7.9%	-12.7%	-1.4%	-19.1%	-17.4%	-5.0%	-5.03%
FCF 5Y	38.3%	35.8%	12.5%	22.2%	35.4%	29.4%	30.7%	22.8%	6.0%	10.2%	14.2%	4.3%	-19.5%	-18.0%	-19.2%	-22.0%	-11.6%	-24.3%	-27.9%	-25.2%	-25.20%
OCF 3Y	74.9%	51.0%	34.1%	33.8%	-20.5%	-20.1%	-24.1%	-38.9%	-38.6%	-32.3%	-35.0%	-34.7%	-25.1%	-19.2%	-6.8%	-12.2%	-1.2%	-19.0%	-18.0%	-5.9%	-5.85%
OCF 5Y	38.2%	35.5%	12.2%	21.6%	32.8%	27.4%	28.6%	20.6%	5.8%	9.8%	13.2%	4.1%	-19.1%	-17.6%	-18.6%	-21.7%	-11.4%	-24.1%	-27.8%	-24.9%	-24.89%
Assets 3Y	7.4%	9.7%	9.2%	10.3%	8.6%	8.9%	8.5%	6.5%	6.0%	4.6%	4.4%	5.4%	3.0%	0.3%	-0.2%	-1.5%	-4.0%	-6.1%	-6.2%	-5.9%	-5.87%
Assets 5Y	16.9%	18.1%	16.8%	10.6%	12.5%	12.2%	6.7%	7.0%	6.9%	6.9%	6.8%	6.9%	4.9%	4.3%	3.2%	1.4%	0.6%	-1.1%	-1.0%	0.2%	0.21%
Equity 3Y	3.5%	2.9%	1.1%	-0.2%	4.1%	4.6%	7.1%	7.0%	7.1%	8.4%	7.6%	6.6%	7.5%	2.3%	-4.0%	-3.4%	-7.6%	-9.3%	-10.3%	-9.8%	-9.82%
Book Value 3Y	6.1%	5.1%	3.8%	2.6%	7.5%	7.6%	10.3%	8.8%	8.7%	10.2%	8.9%	8.1%	9.0%	3.7%	-3.5%	-2.6%	-6.8%	-8.4%	-8.7%	-8.2%	-8.24%
Dividend 3Y	2.6%	2.3%	3.6%	3.8%	4.2%	7.9%	10.8%	12.0%	14.0%	8.6%	5.2%	3.0%	0.8%	1.8%	0.9%	1.2%	1.3%	1.5%	2.5%	2.4%	2.41%

Growth Quality

Metric	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	Q2'26	Current
Revenue Stability	0.77	0.74	0.70	0.70	0.73	0.82	0.82	0.75	0.73	0.75	0.71	0.72	0.72	0.76	0.83	0.86	0.87	0.59	0.59	0.54	0.535
Earnings Stability	0.56	0.46	0.52	0.62	0.66	0.68	0.80	0.80	0.70	0.41	0.46	0.51	0.53	0.20	0.20	0.21	0.21	0.27	0.20	0.19	0.195
Margin Stability	0.92	0.90	0.91	0.92	0.92	0.91	0.91	0.90	0.88	0.85	0.83	0.83	0.81	0.75	0.75	0.74	0.75	0.79	0.80	0.78	0.784
Rev. Growth Consistency	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	1.00	1.00	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	0.00	0.00	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	0.50	0.50	0.50	0.50	0.86	0.91	0.92	0.93	0.99	0.88	0.88	0.90	0.98	0.99	0.20	0.20	0.20	0.20	0.20	0.20	0.200
Earnings Smoothness	0.15	0.00	0.28	0.42	0.71	0.80	0.82	0.84	0.98	0.64	0.64	0.70	0.94	0.98	—	—	—	—	—	—	—
ROE Trend	0.03	0.06	0.06	0.07	0.05	0.05	0.03	0.03	0.00	-0.04	-0.04	-0.04	-0.02	-0.01	-0.28	-0.30	-0.32	-0.31	0.10	0.12	0.124
Gross Margin Trend	0.10	0.15	0.15	0.12	0.06	-0.01	-0.08	-0.16	-0.21	-0.26	-0.27	-0.23	-0.20	-0.23	-0.19	-0.17	-0.15	0.04	0.09	0.14	0.140
FCF Margin Trend	-0.13	-0.43	-1.01	-0.91	-0.59	-0.68	-0.77	-0.90	-0.78	-0.52	-0.26	-0.31	-0.14	-0.18	-0.13	0.04	0.18	-0.03	-0.05	-0.03	-0.031
Sustainable Growth Rate	6.5%	8.7%	9.1%	9.3%	9.1%	9.8%	9.6%	9.3%	6.8%	4.3%	4.4%	4.9%	6.0%	4.2%	—	—	—	—	-0.3%	1.1%	1.10%
Internal Growth Rate	0.6%	0.8%	0.8%	0.9%	0.9%	0.9%	0.9%	0.9%	0.7%	0.4%	0.4%	0.5%	0.6%	0.4%	—	—	—	—	—	0.1%	0.09%

Cash Flow Quality

Metric	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	Q2'26	Current
OCF/Net Income	5.93	4.11	2.58	3.19	2.68	2.39	2.14	1.43	1.12	2.25	2.37	1.88	2.00	2.61	-1.82	-1.68	-1.89	-1.01	3.35	2.77	2.775
FCF/OCF	0.99	0.99	0.99	0.99	0.99	0.99	0.97	0.95	0.91	0.94	0.96	0.96	0.96	0.96	0.95	0.97	0.98	0.98	0.99	0.97	0.975
FCF/Net Income	snapshot only																				2.705
OCF/EBITDA	snapshot only																				1.725
CapEx/Revenue	0.8%	0.9%	0.8%	0.8%	0.9%	0.9%	1.4%	1.6%	1.8%	1.9%	1.3%	1.2%	1.1%	1.2%	1.4%	0.9%	0.8%	0.5%	0.2%	0.7%	0.68%
CapEx/Depreciation	snapshot only																				0.268
Accruals Ratio	-0.05	-0.04	-0.02	-0.03	-0.02	-0.02	-0.01	-0.01	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.04	-0.04	-0.05	-0.04	-0.01	-0.01	-0.011
Sloan Accruals	snapshot only																				0.255
Cash Flow Adequacy	snapshot only																				3.005
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	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	Q2'26	Current
Dividend Yield	5.6%	5.6%	4.8%	5.8%	5.9%	5.8%	7.7%	8.9%	9.2%	6.7%	7.2%	8.0%	8.0%	7.3%	10.1%	9.9%	9.9%	7.9%	7.7%	5.6%	3.78%
Dividend/Share	$1.11	$1.11	$1.13	$1.14	$1.15	$1.29	$1.40	$1.53	$1.66	$1.63	$1.63	$1.64	$1.65	$1.66	$1.63	$1.65	$1.66	$1.67	$1.72	$1.74	$1.29
Payout Ratio	37.5%	31.0%	30.3%	29.9%	28.7%	29.4%	31.6%	34.1%	41.5%	51.6%	50.9%	48.2%	43.1%	53.1%	—	—	—	—	1.0%	85.3%	85.34%
FCF Payout Ratio	6.4%	7.6%	11.9%	9.4%	10.8%	12.5%	15.2%	25.0%	40.6%	24.3%	22.3%	26.8%	22.4%	21.2%	21.7%	20.1%	16.0%	29.6%	31.4%	31.6%	31.55%
Total Payout Ratio	57.6%	45.3%	44.2%	43.7%	36.0%	30.7%	34.6%	43.1%	58.7%	77.6%	75.4%	67.0%	53.3%	61.2%	—	—	—	—	1.5%	1.3%	1.33%
Div. Increase Streak	1	1	1	0	1	1	1	1	1	1	1	1	0	1	1	1	0	1	1	1	1
Chowder Number	0.06	0.06	0.07	0.09	0.09	0.21	0.32	0.42	0.51	0.29	0.20	0.13	0.06	0.09	0.11	0.11	0.11	0.10	0.10	0.08	0.075
Buyback Yield	3.0%	2.6%	2.2%	2.7%	1.5%	0.3%	0.7%	2.4%	3.8%	3.4%	3.5%	3.1%	1.9%	1.1%	1.0%	0.1%	0.0%	2.1%	3.7%	3.1%	3.10%
Net Buyback Yield	2.9%	2.5%	2.1%	2.6%	1.4%	0.2%	0.6%	2.4%	3.8%	3.4%	3.5%	3.1%	1.9%	1.1%	1.0%	0.1%	-0.1%	1.9%	3.5%	2.9%	2.94%
Total Shareholder Return	8.5%	8.1%	7.0%	8.4%	7.3%	6.0%	8.4%	11.3%	13.0%	10.0%	10.7%	11.1%	9.9%	8.4%	11.1%	10.0%	9.8%	9.9%	11.3%	8.5%	8.53%

DuPont Factors

Metric	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	Q2'26	Current
Tax Burden (NI/EBT)	0.84	0.82	0.82	0.76	0.77	0.76	0.76	0.76	0.70	0.68	0.69	0.71	0.78	0.81	1.15	1.09	1.07	1.08	0.75	0.74	0.742
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	0.25	0.31	0.32	0.35	0.34	0.35	0.32	0.30	0.27	0.22	0.21	0.21	0.20	0.14	-0.15	-0.18	-0.21	-0.25	0.10	0.13	0.131
Asset Turnover	0.05	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.07	0.08	0.08	0.07	0.07	0.07	0.06	0.06	0.064
Equity Multiplier	10.78	11.14	11.11	10.95	10.68	10.76	10.75	10.95	10.51	10.14	10.06	10.11	9.94	10.23	11.10	10.93	10.46	10.98	12.24	12.08	12.077

Per Share

Metric	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	Q2'26	Current
EPS (Diluted TTM)	$2.95	$3.60	$3.74	$3.81	$3.99	$4.40	$4.45	$4.49	$3.99	$3.15	$3.20	$3.40	$3.82	$3.13	$-4.35	$-5.02	$-5.60	$-5.69	$1.65	$2.04	$2.04
Book Value/Share	$29.14	$29.40	$28.86	$28.45	$33.02	$33.71	$34.47	$34.98	$34.77	$36.29	$36.30	$36.15	$37.75	$32.79	$25.91	$26.29	$26.71	$25.88	$26.24	$27.03	$25.15
Tangible Book/Share	$19.44	$19.87	$19.36	$19.00	$24.74	$25.53	$26.36	$25.89	$25.67	$27.20	$27.29	$27.19	$28.83	$23.94	$24.26	$24.69	$25.17	$25.11	$24.94	$26.30	$26.30
Revenue/Share	$13.80	$13.96	$14.16	$14.45	$15.21	$16.67	$18.12	$19.91	$21.02	$21.08	$22.39	$23.22	$24.36	$27.36	$25.83	$25.35	$24.29	$20.86	$21.08	$21.02	$21.00
FCF/Share	$17.36	$14.69	$9.51	$12.06	$10.56	$10.37	$9.24	$6.12	$4.07	$6.69	$7.30	$6.11	$7.37	$7.83	$7.53	$8.23	$10.38	$5.65	$5.50	$5.52	$5.51
OCF/Share	$17.47	$14.81	$9.63	$12.18	$10.69	$10.52	$9.50	$6.44	$4.46	$7.08	$7.60	$6.39	$7.64	$8.14	$7.90	$8.45	$10.57	$5.75	$5.54	$5.66	$5.65
Cash/Share	$68.60	$69.98	$52.58	$45.83	$44.28	$40.95	$42.15	$46.94	$43.96	$48.12	$55.39	$56.08	$61.51	$49.19	$54.79	$8.26	$60.06	$75.63	$68.16	$92.82	$4.71
EBITDA/Share	$4.25	$5.11	$5.30	$5.73	$5.89	$6.41	$6.43	$6.46	$6.22	$5.21	$5.25	$5.42	$5.52	$4.46	$-3.20	$-4.02	$-4.65	$-4.71	$2.75	$3.28	$3.28
Debt/Share	$29.07	$23.77	$23.26	$22.00	$24.92	$28.63	$27.24	$31.08	$29.55	$27.70	$25.84	$32.15	$24.06	$19.52	$27.93	$19.77	$25.01	$19.77	$19.64	$16.37	$16.37
Net Debt/Share	$-39.53	$-46.21	$-29.32	$-23.82	$-19.36	$-12.32	$-14.90	$-15.86	$-14.41	$-20.42	$-29.55	$-23.92	$-37.44	$-29.66	$-26.86	$11.51	$-35.05	$-55.86	$-48.51	$-76.45	$-76.45

Academic Models

Metric	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	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.732
Altman Z-Prime	snapshot only																				-3.425
Piotroski F-Score	8	8	7	6	7	6	5	7	5	7	7	6	7	7	5	4	4	4	8	8	8
Beneish M-Score	-2.80	-2.73	-2.50	-2.43	-2.26	-2.12	-2.07	-2.02	-2.18	-2.38	-2.42	-2.60	-2.55	-1.97	-2.95	-2.83	-3.09	-4.53	-3.62	-3.71	-3.709
Ohlson O-Score	snapshot only																				-4.570
Net-Net WC	snapshot only																				$-196.55

Credit

Metric	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	Q2'26	Current
Credit Rating	snapshot only																				BBB+
Credit Score	73.04	77.03	67.45	74.00	69.29	70.26	70.58	56.75	53.46	54.45	54.51	52.76	75.81	65.43	24.67	32.82	35.88	39.31	44.73	63.10	63.104
Credit Grade	snapshot only																				8
Credit Trend	snapshot only																				30.288
Implied Spread (bps)	snapshot only																				225.000
Industry Credit Rank	snapshot only																				58
Sector Credit Rank	snapshot only																				50

MSBI 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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