$24.60

-0.17 (-0.69%)

Weekly Expected Move ±1.9%

$24 $24 $24 $25 $25

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 52 · $1.3B mcap · 40M float · 1.21% daily turnover · Short 39% 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.

NARROW EDGE

61.1 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 7.1% · 5Y Avg: 9.1%

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. OSBC has a Narrow competitive edge (61.1/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 7.1% 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

$29

Low

$29

Avg Target

$29

High

Based on 1 analyst since Oct 21, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 4Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$29.50

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-26	Piper Sandler	Nathan Race	$30	$29	-1	+18.7%	$24.43
2026-10-06	Raymond James	Daniel Tamayo	$26	$30	+4	+18.6%	$25.29
2026-07-27	Piper Sandler	Nathan Race	$26	$30	+4	+24.8%	$24.03
2026-07-07	Raymond James	—	$17	$26	+9	+13.1%	$22.99
2026-06-26	Piper Sandler	—	$25	$26	+1	+12.9%	$23.02
2026-04-27	Piper Sandler	—	$23	$25	+2	+25.0%	$20.00
2026-03-27	Stephens	—	$20	$23	+3	+17.5%	$19.57
2026-01-23	D.A. Davidson	—	$18	$23	+5	+13.5%	$20.26
2025-04-25	Stephens	—	Initiated	$20	—	+28.5%	$15.57
2024-10-18	Piper Sandler	Nathan Race	$22	$23	+0	+35.0%	$17.04
2024-10-17	D.A. Davidson	Manuel Navas	$17	$18	+1	+5.6%	$17.04
2024-10-17	Piper Sandler	Nathan Rice	$20	$22	+3	+39.6%	$16.12
2024-09-25	D.A. Davidson	Manuel Navas	$19	$17	-2	+4.5%	$16.27
2024-07-19	D.A. Davidson	Manuel Navas	Initiated	$19	—	+16.1%	$16.36
2024-07-19	Piper Sandler	Nathan Rice	Initiated	$20	—	+19.2%	$16.36
2024-04-04	Raymond James	Strong Buy	$18	$17	-1	+27.8%	$13.30
2022-04-29	Raymond James	—	Initiated	$18	—	+26.8%	$14.20

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A-

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

Rating Change History

Date	From	To
2026-10-01	B	A-
2026-07-25	B+	B
2026-07-23	A-	B+
2026-07-01	B	A-
2026-06-01	B+	B
2026-05-18	B	B+
2026-05-14	B+	B
2026-05-12	B	B+
2026-04-29	B+	B
2026-04-24	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.

★ ★ ★ ★ ★ 65 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. OSBC scores highest in Earnings Quality (98/100) and lowest in Balance Sheet (30/100). An overall grade of A+ places OSBC 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

2.68

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✓ ✗ ✗ ✗ ✓ ✓

Beneish M-Score

-3.29

Unlikely Manipulator

Ohlson O-Score

-4.68

Bankruptcy prob: 0.9%

Low Risk

Credit Rating

A+

Score: 77.3/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.58x

Accruals: -0.8%

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. OSBC scores 2.68, 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. OSBC scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. OSBC's score of -3.29 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. OSBC's implied 0.9% 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. OSBC receives an estimated rating of A+ (score: 77.3/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). OSBC'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

11.39x

PEG

0.28x

P/S

2.91x

P/B

1.38x

P/FCF

8.57x

P/OCF

8.32x

EV/EBITDA

12.08x

EV/Revenue

3.80x

EV/EBIT

12.84x

EV/FCF

11.56x

Earnings Yield

7.62%

FCF Yield

11.67%

Shareholder Yield

4.97%

Graham Number

$26.29

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 11.4x earnings, OSBC trades at a reasonable valuation. An earnings yield of 7.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $26.29 per share, suggesting a potential 7% 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

0.744

NI / EBT

Interest Burden

0.976

EBT / EBIT

EBIT Margin

0.296

EBIT / Rev

Asset Turnover

0.068

Rev / Assets

Equity Multiplier

7.743

Assets / Equity

ROE

11.4%

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. OSBC's ROE of 11.4% is driven by financial leverage (equity multiplier: 7.74x). 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

$15.07

Price/Value

1.54x

Margin of Safety

-54.32%

Premium

54.32%

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 OSBC's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. OSBC trades at a 54% premium to its adjusted intrinsic value of $15.07, 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 11.4x.

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

$24.60

Median 1Y

$25.77

5th Pctile

$14.10

95th Pctile

$47.02

Ann. Volatility

37.0%

Analyst Target

$29.50

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

Executive Compensation

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

C-Suite Compensation

Executive	Salary	Stock	Total
Darin Campbell President, Vice President, National Specialty Lending	$275,000	$—	$3,699,825
James Eccher Chairman, President and Chief Executive Officer	$914,217	$1,075,066	$3,108,135
Bradley S. Adams Executive Vice President, Chief Operating Officer and Chief Financial Officer	$523,875	$495,004	$1,536,918
Donald Pilmer President, Vice President, Chief Lending Officer	$390,110	$228,392	$954,856
Gary Collins Vice Chairman	$306,250	$225,006	$812,545

CEO Pay Ratio

26:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $3,108,135

Avg Employee Cost (SGA/emp): $121,669

Employees: 1,062

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

1,062

+21.1% YoY

Revenue / Employee

$373,791

Rev: $396,966,000

Profit / Employee

$75,621

NI: $80,310,000

SGA / Employee

$121,669

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	12.0%	5.0%	5.2%	6.2%	9.2%	14.0%	16.4%	19.2%	20.1%	17.7%	16.4%	15.1%	14.1%	13.7%	13.0%	12.5%	9.2%	10.2%	10.8%	11.4%	11.40%
ROA	1.2%	0.4%	0.4%	0.5%	0.8%	1.1%	1.3%	1.6%	1.7%	1.6%	1.6%	1.5%	1.5%	1.5%	1.5%	1.5%	1.1%	1.3%	1.4%	1.5%	1.47%
ROIC	-5.2%	-1.1%	-1.1%	-1.7%	-3.2%	-7.2%	-13.4%	-27.8%	-37.3%	-46.1%	-26.9%	-40.2%	-49.3%	-19.0%	-35.2%	-17.9%	32.5%	7.9%	7.6%	7.1%	7.14%
ROCE	9.8%	4.0%	4.4%	5.3%	7.7%	14.0%	15.7%	19.3%	19.2%	17.3%	16.0%	15.1%	13.8%	13.7%	13.2%	12.9%	9.0%	2.2%	1.8%	2.0%	1.97%
Gross Margin	98.0%	64.5%	96.3%	95.2%	89.8%	93.2%	87.5%	84.8%	82.8%	74.8%	79.4%	79.2%	79.5%	79.9%	84.1%	84.0%	64.5%	83.2%	76.0%	1.0%	1.00%
Operating Margin	33.8%	-28.2%	29.2%	30.0%	39.1%	42.3%	42.0%	43.2%	39.3%	30.8%	34.6%	35.2%	35.0%	29.7%	31.8%	34.5%	11.3%	36.9%	30.6%	42.6%	42.59%
Net Margin	25.1%	-22.2%	21.4%	22.0%	28.7%	31.3%	30.9%	31.6%	29.4%	22.5%	25.8%	26.4%	26.9%	22.4%	24.1%	25.8%	8.5%	25.2%	23.0%	31.7%	31.72%
EBITDA Margin	36.5%	-25.4%	32.3%	33.0%	41.5%	44.4%	44.1%	45.3%	41.3%	33.0%	37.4%	37.8%	36.6%	33.5%	35.1%	37.7%	14.3%	38.0%	32.8%	43.8%	43.80%
FCF Margin	42.7%	20.4%	8.6%	16.5%	16.6%	36.4%	45.9%	23.3%	36.4%	32.4%	35.0%	46.8%	37.3%	35.9%	27.7%	32.6%	26.8%	30.1%	32.7%	32.9%	32.90%
OCF Margin	44.4%	21.9%	10.0%	18.1%	18.3%	38.1%	47.9%	25.2%	39.5%	36.3%	39.3%	51.6%	41.2%	39.1%	30.4%	33.9%	27.7%	30.8%	33.2%	33.9%	33.89%
ROE 3Y Avg	snapshot only																				11.91%
ROE 5Y Avg	snapshot only																				11.79%
ROA 3Y Avg	snapshot only																				1.44%
ROIC 3Y Avg	snapshot only																				7.65%
ROIC Economic	snapshot only																				6.95%
Cash ROA	snapshot only																				2.13%
Cash ROIC	snapshot only																				11.00%
CROIC	snapshot only																				10.68%
NOPAT Margin	snapshot only																				22.02%
Pretax Margin	snapshot only																				28.90%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				26.88%
SBC / Revenue	snapshot only																				1.37%

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	9.59	20.31	30.52	24.18	16.10	10.23	7.69	6.15	6.01	7.37	6.81	7.65	8.21	9.30	8.90	9.53	12.92	12.85	12.45	13.12	11.389
P/S Ratio	2.63	2.87	3.80	3.07	2.53	2.70	2.21	1.89	1.85	2.10	1.86	1.99	2.09	2.36	2.22	2.36	2.48	2.60	2.52	2.82	2.913
P/B Ratio	1.11	0.81	1.32	1.27	1.29	1.49	1.22	1.10	1.10	1.17	1.02	1.06	1.05	1.18	1.07	1.11	1.05	1.15	1.20	1.34	1.376
P/FCF	6.17	14.03	44.08	18.61	15.29	7.41	4.81	8.12	5.09	6.50	5.31	4.26	5.60	6.57	8.02	7.24	9.25	8.64	7.69	8.57	8.572
P/OCF	5.94	13.11	38.14	16.97	13.86	7.08	4.61	7.49	4.69	5.80	4.73	3.86	5.07	6.03	7.31	6.96	8.94	8.44	7.58	8.32	8.320
EV/EBITDA	-12.63	-58.10	-50.33	-33.01	-17.78	-7.17	-4.20	-2.11	-1.51	-0.77	-2.48	-1.43	-1.16	-2.67	-1.56	-3.23	2.48	9.72	10.49	12.08	12.076
EV/Revenue	-5.07	-12.96	-10.21	-6.80	-4.38	-2.76	-1.74	-0.93	-0.66	-0.31	-0.97	-0.54	-0.42	-0.97	-0.56	-1.15	0.72	2.96	3.16	3.80	3.801
EV/EBIT	-13.49	-66.02	-58.65	-38.49	-20.08	-7.69	-4.46	-2.22	-1.59	-0.81	-2.64	-1.53	-1.24	-2.89	-1.70	-3.52	2.80	10.61	11.35	12.84	12.844
EV/FCF	-11.86	-63.41	-118.37	-41.27	-26.44	-7.57	-3.78	-3.99	-1.82	-0.97	-2.78	-1.14	-1.13	-2.70	-2.02	-3.54	2.67	9.84	9.66	11.56	11.555
Earnings Yield	10.4%	4.9%	3.3%	4.1%	6.2%	9.8%	13.0%	16.3%	16.6%	13.6%	14.7%	13.1%	12.2%	10.8%	11.2%	10.5%	7.7%	7.8%	8.0%	7.6%	7.62%
FCF Yield	16.2%	7.1%	2.3%	5.4%	6.5%	13.5%	20.8%	12.3%	19.6%	15.4%	18.8%	23.5%	17.9%	15.2%	12.5%	13.8%	10.8%	11.6%	13.0%	11.7%	11.67%
PEG Ratio	snapshot only																				0.283
Price/Tangible Book	snapshot only																				1.613
EV/OCF	snapshot only																				11.216
EV/Gross Profit	snapshot only																				4.764
Acquirers Multiple	snapshot only																				12.844
Shareholder Yield	snapshot only																				4.97%
Graham Number	snapshot only																				$26.29

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	0.51	0.47	0.48	0.42	0.37	0.37	0.35	0.34	0.33	0.34	0.35	0.36	0.36	0.36	0.32	0.38	0.25	0.10	0.22	0.12	0.117
Quick Ratio	0.51	0.47	0.48	0.42	0.37	0.37	0.35	0.34	0.33	0.34	0.35	0.36	0.36	0.36	0.32	0.38	0.25	0.10	0.22	0.12	0.117
Debt/Equity	0.60	0.40	0.39	0.40	0.46	0.57	0.95	1.17	1.03	0.89	0.57	0.75	0.72	0.21	0.18	0.18	0.33	0.38	0.36	0.52	0.519
Net Debt/Equity	-3.24	-4.48	-4.87	-4.09	-3.52	-3.02	-2.18	-1.65	-1.49	-1.34	-1.56	-1.34	-1.26	-1.67	-1.34	-1.65	-0.75	0.16	0.31	0.47	0.467
Debt/Assets	0.06	0.03	0.03	0.03	0.03	0.04	0.08	0.10	0.09	0.09	0.06	0.08	0.08	0.03	0.02	0.02	0.04	0.05	0.05	0.07	0.068
Debt/EBITDA	3.55	6.28	5.51	4.64	3.68	2.65	4.15	4.56	3.95	3.93	2.64	3.75	3.94	1.16	1.03	1.10	2.73	2.80	2.52	3.46	3.463
Net Debt/EBITDA	-19.19	-70.96	-69.07	-47.90	-28.06	-14.18	-9.54	-6.41	-5.74	-5.91	-7.22	-6.76	-6.92	-9.16	-7.76	-9.84	-6.13	1.18	2.14	3.12	3.118
Interest Coverage	6.06	3.30	3.24	3.83	5.44	8.87	7.50	5.58	4.20	3.11	2.55	2.27	2.04	2.01	2.07	2.18	1.66	1.78	1.73	1.68	1.683
Equity Multiplier	10.20	12.37	13.35	13.38	13.76	12.77	11.92	11.45	10.81	9.91	9.42	9.14	8.58	8.42	8.25	7.93	8.07	7.70	7.67	7.59	7.591
Cash Ratio	snapshot only																				0.117
Debt Service Coverage	snapshot only																				1.790
Cash to Debt	snapshot only																				0.100
FCF to Debt	snapshot only																				0.302
Defensive Interval	snapshot only																				79.0 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	0.04	0.03	0.03	0.04	0.05	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.068
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	0.91	0.91	0.93	0.97	1.07	1.14	1.11	1.11	1.04	0.96	0.92	0.86	0.82	0.76	0.73	0.69	0.73	1.62	1.69	1.65	1.647
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	400	399	393	378	342	320	329	330	349	381	395	423	445	480	503	526	498	225	216	222	221.7 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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	400	399	393	378	342	320	329	330	349	381	395	423	445	480	503	526	498	225	216	222	—
Fixed Asset Turnover	snapshot only																				5.035
Cash Velocity	snapshot only																				9.206
Capital Intensity	snapshot only																				15.940

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	-4.7%	1.7%	13.8%	34.9%	63.2%	79.9%	69.8%	61.5%	42.9%	25.8%	18.9%	9.6%	5.2%	4.7%	2.7%	2.5%	10.9%	18.1%	26.7%	27.3%	27.34%
Net Income	26.8%	-28.0%	-48.8%	-39.5%	-6.6%	2.4%	2.9%	2.9%	1.8%	36.1%	13.2%	-7.1%	-13.1%	-7.0%	-6.3%	-2.4%	-16.3%	-5.8%	2.7%	10.4%	10.40%
EPS	30.5%	-37.6%	-66.2%	-60.7%	-39.6%	1.6%	2.9%	2.9%	1.8%	35.5%	12.7%	-7.6%	-15.0%	-7.6%	-6.7%	-2.5%	-28.5%	-19.6%	-12.2%	-3.2%	-3.15%
FCF	1.1%	31.5%	-51.8%	15.0%	-36.7%	2.2%	8.0%	1.3%	2.1%	11.8%	-9.3%	1.2%	7.9%	16.1%	-18.9%	-28.6%	-20.3%	-1.1%	50.0%	28.5%	28.48%
EBITDA	30.4%	-22.2%	-42.2%	-32.2%	0.2%	2.1%	2.5%	2.4%	1.5%	33.7%	13.0%	-6.7%	-12.9%	-7.0%	-6.5%	-2.1%	-11.9%	-1.1%	6.8%	12.1%	12.14%
Op. Income	32.2%	-25.5%	-47.3%	-38.0%	-5.2%	2.3%	2.8%	2.8%	1.7%	35.9%	12.9%	-8.2%	-14.3%	-9.2%	-8.5%	-3.9%	-16.6%	-2.0%	7.2%	15.0%	15.01%
OCF Growth	snapshot only																				27.17%
Asset Growth	snapshot only																				20.20%
Equity Growth	snapshot only																				25.63%
Debt Growth	snapshot only																				2.54%
Shares Change	snapshot only																				14.00%
Dividend Growth	snapshot only																				20.11%

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	0.5%	0.9%	4.6%	9.1%	14.1%	19.5%	23.0%	27.1%	30.5%	32.0%	32.0%	33.7%	34.9%	33.3%	27.5%	22.0%	18.6%	15.9%	15.6%	12.7%	12.67%
Revenue 5Y	7.1%	7.1%	9.2%	11.4%	14.1%	17.0%	17.9%	18.7%	18.8%	18.4%	18.2%	18.1%	17.4%	17.6%	17.8%	18.2%	21.0%	23.3%	24.5%	25.5%	25.52%
EPS 3Y	19.1%	-19.7%	-25.6%	-23.9%	-15.4%	4.8%	19.4%	25.3%	30.7%	29.5%	14.1%	12.2%	13.3%	47.6%	60.1%	52.0%	19.8%	0.3%	-2.6%	-4.4%	-4.44%
EPS 5Y	21.2%	2.0%	-4.4%	-2.8%	0.4%	24.3%	21.1%	23.7%	23.6%	12.5%	12.6%	9.6%	7.8%	7.6%	12.3%	12.1%	6.3%	10.1%	4.0%	5.9%	5.95%
Net Income 3Y	17.5%	-16.2%	-15.1%	-13.1%	-3.4%	19.5%	36.2%	43.5%	49.1%	48.8%	31.4%	30.0%	31.4%	62.0%	60.7%	52.5%	26.7%	6.0%	2.9%	0.0%	0.04%
Net Income 5Y	20.7%	5.0%	3.8%	5.5%	8.9%	34.8%	31.4%	34.1%	33.5%	21.9%	22.1%	19.0%	17.0%	16.7%	21.8%	21.8%	19.2%	23.6%	16.9%	18.8%	18.83%
EBITDA 3Y	6.0%	-12.2%	-10.8%	-8.9%	0.2%	21.4%	37.2%	44.1%	49.1%	47.8%	31.2%	29.7%	30.4%	56.8%	54.1%	46.5%	24.9%	7.1%	4.1%	0.8%	0.81%
EBITDA 5Y	16.9%	3.4%	3.1%	5.4%	9.8%	21.8%	22.3%	25.5%	24.8%	23.0%	22.6%	19.5%	17.4%	17.4%	22.3%	22.3%	20.6%	24.3%	17.7%	19.1%	19.06%
Gross Profit 3Y	5.0%	2.4%	6.4%	10.5%	15.1%	22.6%	27.9%	30.9%	33.0%	31.4%	25.4%	24.4%	24.4%	27.4%	22.9%	18.5%	13.3%	9.2%	9.0%	8.8%	8.76%
Gross Profit 5Y	9.3%	7.4%	9.3%	11.5%	13.9%	18.5%	18.7%	19.0%	18.7%	17.1%	16.8%	16.1%	15.3%	15.6%	17.7%	18.4%	19.4%	21.6%	19.5%	20.4%	20.43%
Op. Income 3Y	5.7%	-14.1%	-13.3%	-11.6%	-1.9%	20.9%	37.8%	45.1%	50.6%	49.3%	31.2%	29.4%	30.3%	59.4%	57.7%	49.8%	24.9%	6.6%	3.5%	0.5%	0.48%
Op. Income 5Y	17.6%	2.6%	1.8%	4.0%	8.8%	21.7%	22.2%	25.6%	25.0%	23.1%	22.8%	19.3%	17.2%	16.8%	22.0%	21.9%	19.5%	24.2%	17.3%	19.1%	19.09%
FCF 3Y	7.3%	-18.2%	-37.2%	-22.0%	-9.8%	24.4%	42.0%	34.0%	61.6%	67.7%	58.2%	79.5%	28.9%	60.9%	88.0%	53.1%	39.2%	8.7%	3.3%	26.4%	26.45%
FCF 5Y	22.0%	2.8%	-13.4%	-10.0%	-0.1%	21.0%	27.0%	19.4%	19.6%	14.4%	15.2%	19.0%	20.0%	20.1%	16.1%	30.5%	29.4%	40.2%	36.9%	39.6%	39.58%
OCF 3Y	7.3%	-17.3%	-34.8%	-20.6%	-8.4%	22.7%	38.9%	31.2%	57.6%	64.8%	58.5%	78.9%	31.6%	61.8%	84.8%	50.4%	36.2%	7.9%	2.3%	24.3%	24.33%
OCF 5Y	21.1%	2.6%	-12.1%	-9.0%	1.0%	21.4%	27.4%	20.2%	20.7%	16.2%	17.1%	20.4%	21.1%	20.1%	15.7%	27.8%	26.2%	36.3%	34.3%	37.5%	37.48%
Assets 3Y	7.8%	32.4%	33.4%	31.8%	31.7%	30.7%	30.6%	26.1%	24.6%	23.5%	21.0%	20.3%	20.1%	-3.1%	-2.7%	-1.7%	5.4%	5.4%	5.0%	5.2%	5.21%
Assets 5Y	9.2%	22.5%	21.5%	20.7%	20.4%	19.8%	20.1%	17.3%	17.1%	16.4%	16.4%	16.6%	16.8%	16.5%	16.6%	14.2%	18.6%	17.8%	16.7%	16.1%	16.09%
Equity 3Y	13.8%	29.9%	24.2%	20.4%	17.1%	18.4%	23.2%	22.1%	21.6%	23.4%	24.2%	25.2%	27.2%	10.2%	14.2%	17.0%	26.0%	24.8%	21.6%	20.7%	20.66%
Book Value 3Y	15.2%	24.4%	8.8%	5.4%	2.6%	3.8%	7.9%	6.5%	6.6%	7.4%	7.8%	8.0%	9.6%	0.4%	13.7%	16.6%	19.1%	18.0%	15.1%	15.3%	15.25%
Dividend 3Y	44.6%	50.6%	54.8%	28.1%	16.2%	9.1%	-2.7%	-6.6%	-9.3%	-12.8%	-13.1%	-13.6%	-13.8%	-7.3%	2.9%	4.6%	2.0%	3.2%	4.3%	6.1%	6.07%

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	0.60	0.63	0.85	0.76	0.58	0.56	0.63	0.64	0.67	0.70	0.75	0.78	0.80	0.83	0.87	0.89	0.96	0.98	0.97	0.93	0.934
Earnings Stability	0.73	0.12	0.19	0.23	0.51	0.36	0.42	0.44	0.53	0.51	0.59	0.56	0.62	0.68	0.69	0.65	0.58	0.70	0.64	0.61	0.610
Margin Stability	0.93	0.97	0.95	0.93	0.93	0.96	0.95	0.93	0.93	0.95	0.94	0.92	0.91	0.93	0.94	0.94	0.94	0.93	0.91	0.91	0.906
Rev. Growth Consistency	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	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	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	0.89	0.89	0.80	0.84	0.97	0.50	0.50	0.50	0.50	0.86	0.95	0.97	0.95	0.97	0.97	0.99	0.93	0.98	0.99	0.96	0.958
Earnings Smoothness	0.76	0.67	0.35	0.51	0.93	0.00	0.00	0.00	0.05	0.69	0.88	0.93	0.86	0.93	0.93	0.98	0.82	0.94	0.97	0.90	0.901
ROE Trend	-0.01	-0.08	-0.08	-0.06	-0.03	0.08	0.07	0.09	0.08	0.07	0.05	0.02	-0.00	-0.03	-0.03	-0.04	-0.07	-0.05	-0.04	-0.03	-0.025
Gross Margin Trend	0.16	0.06	0.03	-0.00	-0.03	0.06	-0.01	-0.05	-0.07	-0.10	-0.10	-0.10	-0.09	-0.08	-0.05	-0.02	-0.06	-0.03	-0.04	-0.01	-0.007
FCF Margin Trend	0.16	-0.04	-0.16	-0.03	-0.14	0.18	0.31	0.05	0.07	0.04	0.08	0.27	0.11	0.01	-0.13	-0.02	-0.10	-0.04	0.01	-0.07	-0.068
Sustainable Growth Rate	10.9%	3.8%	3.5%	4.3%	7.1%	12.2%	14.5%	17.3%	18.3%	15.9%	14.7%	13.6%	12.6%	12.2%	11.5%	11.0%	7.8%	8.7%	9.2%	9.7%	9.65%
Internal Growth Rate	1.1%	0.3%	0.3%	0.4%	0.6%	1.0%	1.2%	1.4%	1.5%	1.4%	1.4%	1.3%	1.3%	1.4%	1.3%	1.3%	0.9%	1.1%	1.2%	1.3%	1.26%

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	1.61	1.55	0.80	1.43	1.16	1.44	1.67	0.82	1.28	1.27	1.44	1.98	1.62	1.54	1.22	1.37	1.44	1.52	1.64	1.58	1.577
FCF/OCF	0.96	0.93	0.87	0.91	0.91	0.96	0.96	0.92	0.92	0.89	0.89	0.91	0.91	0.92	0.91	0.96	0.97	0.98	0.99	0.97	0.971
FCF/Net Income	snapshot only																				1.530
OCF/EBITDA	snapshot only																				1.077
CapEx/Revenue	1.6%	1.4%	1.3%	1.6%	1.7%	1.7%	2.0%	1.9%	3.1%	3.9%	4.3%	4.7%	3.9%	3.2%	2.7%	1.3%	0.9%	0.7%	0.5%	1.0%	0.99%
CapEx/Depreciation	snapshot only																				0.528
Accruals Ratio	-0.01	-0.00	0.00	-0.00	-0.00	-0.00	-0.01	0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.01	-0.00	-0.01	-0.01	-0.01	-0.008
Sloan Accruals	snapshot only																				0.421
Cash Flow Adequacy	snapshot only																				7.911
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	1.0%	1.1%	1.1%	1.3%	1.4%	1.3%	1.5%	1.6%	1.5%	1.3%	1.5%	1.4%	1.3%	1.2%	1.3%	1.3%	1.2%	1.2%	1.2%	1.2%	1.14%
Dividend/Share	$0.12	$0.13	$0.14	$0.16	$0.18	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.21	$0.22	$0.23	$0.21	$0.23	$0.25	$0.27	$0.28
Payout Ratio	9.3%	23.0%	32.3%	30.9%	23.3%	13.2%	11.3%	9.7%	9.2%	9.8%	10.0%	10.4%	10.6%	11.0%	11.8%	12.3%	15.9%	15.2%	15.4%	15.3%	15.31%
FCF Payout Ratio	6.0%	15.9%	46.6%	23.8%	22.1%	9.5%	7.1%	12.8%	7.8%	8.6%	7.8%	5.8%	7.2%	7.8%	10.6%	9.4%	11.4%	10.2%	9.5%	10.0%	10.00%
Total Payout Ratio	40.3%	75.0%	53.3%	32.7%	24.7%	13.8%	12.6%	10.4%	9.8%	10.4%	10.9%	11.4%	11.6%	12.3%	13.8%	14.4%	26.7%	24.5%	50.7%	65.2%	65.22%
Div. Increase Streak	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	1.92	2.90	4.53	2.14	1.34	0.94	0.38	0.24	0.12	0.02	0.02	0.02	0.01	0.06	0.12	0.17	0.27	0.31	0.35	0.38	0.381
Buyback Yield	3.2%	2.6%	0.7%	0.1%	0.1%	0.1%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	0.2%	0.8%	0.7%	2.8%	3.8%	3.80%
Net Buyback Yield	3.2%	2.6%	0.7%	0.1%	0.1%	0.1%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	0.2%	0.8%	0.7%	2.8%	3.8%	3.80%
Total Shareholder Return	4.2%	3.7%	1.7%	1.4%	1.5%	1.4%	1.6%	1.7%	1.6%	1.4%	1.6%	1.5%	1.4%	1.3%	1.6%	1.5%	2.1%	1.9%	4.1%	5.0%	4.97%

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)	0.73	0.72	0.72	0.72	0.72	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.75	0.75	0.76	0.76	0.75	0.75	0.74	0.74	0.744
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	0.97	0.97	0.98	0.976
EBIT Margin	0.38	0.20	0.17	0.18	0.22	0.36	0.39	0.42	0.42	0.39	0.37	0.35	0.34	0.34	0.33	0.33	0.26	0.28	0.28	0.30	0.296
Asset Turnover	0.04	0.03	0.03	0.04	0.05	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.068
Equity Multiplier	10.12	11.44	12.08	12.10	12.24	12.56	12.61	12.35	12.14	11.18	10.55	10.19	9.57	9.11	8.79	8.49	8.29	8.01	7.92	7.74	7.743

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)	$1.27	$0.58	$0.45	$0.52	$0.77	$1.49	$1.74	$2.03	$2.17	$2.02	$1.96	$1.88	$1.85	$1.87	$1.83	$1.83	$1.32	$1.50	$1.61	$1.77	$1.77
Book Value/Share	$10.99	$14.54	$10.33	$9.92	$9.59	$10.20	$10.96	$11.31	$11.92	$12.71	$13.10	$13.56	$14.48	$14.69	$15.19	$15.72	$16.20	$16.77	$16.70	$17.32	$17.88
Tangible Book/Share	$10.11	$11.36	$7.84	$7.45	$7.11	$7.73	$8.53	$8.89	$9.46	$10.33	$10.73	$11.21	$12.17	$11.94	$12.47	$13.03	$13.12	$13.91	$13.87	$14.42	$14.42
Revenue/Share	$4.63	$4.11	$3.59	$4.11	$4.88	$5.64	$6.07	$6.62	$7.06	$7.07	$7.19	$7.21	$7.27	$7.36	$7.35	$7.38	$6.88	$7.42	$7.96	$8.25	$8.54
FCF/Share	$1.98	$0.84	$0.31	$0.68	$0.81	$2.06	$2.79	$1.54	$2.57	$2.29	$2.52	$3.38	$2.71	$2.64	$2.03	$2.41	$1.84	$2.23	$2.61	$2.71	$2.81
OCF/Share	$2.05	$0.90	$0.36	$0.74	$0.89	$2.15	$2.91	$1.67	$2.79	$2.56	$2.83	$3.72	$2.99	$2.88	$2.23	$2.51	$1.91	$2.29	$2.64	$2.80	$2.90
Cash/Share	$42.23	$70.82	$54.27	$44.55	$38.17	$36.58	$34.38	$31.88	$29.96	$28.47	$27.83	$28.34	$28.60	$27.61	$23.11	$28.86	$17.54	$3.67	$0.90	$0.90	$22.50
EBITDA/Share	$1.86	$0.92	$0.73	$0.85	$1.20	$2.17	$2.51	$2.91	$3.09	$2.89	$2.82	$2.70	$2.63	$2.67	$2.63	$2.64	$1.98	$2.26	$2.40	$2.60	$2.60
Debt/Share	$6.59	$5.76	$4.01	$3.94	$4.42	$5.77	$10.43	$13.25	$12.22	$11.38	$7.44	$10.11	$10.38	$3.11	$2.71	$2.90	$5.41	$6.34	$6.05	$8.99	$8.99
Net Debt/Share	$-35.65	$-65.06	$-50.27	$-40.61	$-33.74	$-30.82	$-23.95	$-18.64	$-17.74	$-17.10	$-20.39	$-18.23	$-18.23	$-24.50	$-20.40	$-25.96	$-12.13	$2.67	$5.15	$8.10	$8.10

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.678
Altman Z-Prime	snapshot only																				0.280
Piotroski F-Score	7	5	4	4	5	6	5	4	6	5	6	6	6	7	6	7	4	5	4	6	6
Beneish M-Score	-2.39	-1.98	-1.86	-1.70	-1.47	-1.93	-2.02	-1.97	-2.10	-1.94	-2.06	-2.14	-2.26	-2.38	-2.34	-2.42	-2.08	-2.89	-2.70	-3.29	-3.292
Ohlson O-Score	snapshot only																				-4.682
Net-Net WC	snapshot only																				$-113.34
EVA	snapshot only																				$-37823703.28

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																				A+
Credit Score	81.06	49.06	47.30	52.87	50.32	79.46	71.71	69.11	72.43	75.12	86.12	85.19	76.24	91.93	90.36	93.07	75.51	78.76	79.48	77.34	77.339
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				-15.736
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				80
Sector Credit Rank	snapshot only																				69

OSBC NASDAQ

Edge Score

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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

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