$22.58

+0.23 (+1.03%)

Weekly Expected Move ±2.0%

$22 $22 $23 $23 $23

NYSE · Financial Services · Banks - Regional · Tech Score Strong Sell · Power 37 · $2.9B mcap · 126M float · 0.758% daily turnover · Short 65% of daily vol

Edge Score

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

NO EDGE

37.7 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 6.9% · 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. PFS has No discernible competitive edge (37.7/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. ROIC of 6.9% 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

$26

Low

$26

Avg Target

$26

High

Based on 1 analyst since Jul 29, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 5Hold: 4Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$26.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-31	D.A. Davidson	—	$20	$26	+6	+6.0%	$24.52
2026-07-01	Raymond James	—	Initiated	$27	—	+14.2%	$23.64
2026-01-29	RBC Capital	—	$21	$25	+4	+12.9%	$22.14
2024-07-29	RBC Capital	Jon Arfstrom	$18	$21	+3	+11.0%	$18.93
2024-06-14	Piper Sandler	Mark Fitzgibbon	Initiated	$19	—	+42.6%	$13.32
2024-04-22	D.A. Davidson	Manuel Navas	$15	$20	+5	+31.6%	$15.20
2024-04-09	RBC Capital	Jon Arfstrom	Initiated	$18	—	+22.9%	$14.65
2024-03-28	D.A. Davidson	Manuel Navas	Initiated	$15	—	+4.3%	$14.38

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 02, 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. PFS receives an overall rating of A-. Strongest factors: DCF (4/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (1/5).

Rating Change History

Date	From	To
2026-10-01	B	A-
2026-08-25	B+	B
2026-08-20	B	B+
2026-07-25	B+	B
2026-04-22	A-	B+
2026-04-01	B	A-
2026-02-06	B+	B
2026-01-28	B	B+
2026-01-26	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.

★ ★ ★ ★ ★ 57 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. PFS scores highest in Momentum (98/100) and lowest in Balance Sheet (39/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

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

Altman-B Score

2.72

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✓ ✗ ✗ ✓ ✗ ✓

Beneish M-Score

-2.55

Unlikely Manipulator

Ohlson O-Score

-6.19

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

BBB+

Score: 62.9/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.18x

Accruals: -0.2%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. PFS scores 2.72, 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. PFS 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. PFS's score of -2.55 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. PFS's implied 0.2% 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. PFS receives an estimated rating of BBB+ (score: 62.9/100), 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). PFS'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

9.41x

PEG

0.26x

P/S

2.13x

P/B

1.01x

P/FCF

8.50x

P/OCF

8.32x

EV/EBITDA

8.96x

EV/Revenue

3.16x

EV/EBIT

10.14x

EV/FCF

12.02x

Earnings Yield

10.15%

FCF Yield

11.77%

Shareholder Yield

4.37%

Graham Number

$34.69

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 9.4x earnings, PFS trades at a deep value multiple. An earnings yield of 10.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $34.69 per share, suggesting a potential 54% 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

0.727

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.312

EBIT / Rev

Asset Turnover

0.055

Rev / Assets

Equity Multiplier

8.943

Assets / Equity

ROE

11.1%

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. PFS's ROE of 11.1% is driven by financial leverage (equity multiplier: 8.94x). 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

2.84%

Fair P/E

14.18x

Intrinsic Value

$34.02

Price/Value

0.69x

Margin of Safety

30.51%

Premium

-30.51%

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 PFS's realized 2.8% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. PFS trades at a -31% premium to its adjusted intrinsic value of $34.02, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 14.2x compares to the current market P/E of 9.4x.

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

$22.58

Median 1Y

$21.86

5th Pctile

$11.81

95th Pctile

$40.46

Ann. Volatility

38.0%

Analyst Target

$26.00

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
Anthony J. Labozzetta President & Chief Executive Officer	$998,077	$1,200,000	$3,521,400
Thomas J. Shara Executive Vice Chairman	$760,000	$760,000	$2,880,501
Thomas M. Lyons Senior Executive Vice President and Chief Financial Officer	$582,846	$350,100	$1,395,367
Ravi Vakacherla Information ice President Chief Information and Operations Officer	$474,746	$285,240	$1,122,793
George Lista President, Vice President, President/Provident Protection Plus	$712,231	$180,000	$1,098,287

CEO Pay Ratio

21:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $3,521,400

Avg Employee Cost (SGA/emp): $168,367

Employees: 1,817

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

1,817

+3.6% YoY

Revenue / Employee

$760,930

Rev: $1,382,609,999

Profit / Employee

$160,242

NI: $291,160,000

SGA / Employee

$168,367

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%	10.1%	10.0%	9.7%	10.1%	10.7%	10.6%	10.2%	9.5%	7.8%	7.2%	3.6%	2.3%	1.0%	2.4%	5.2%	7.7%	10.7%	11.1%	11.1%	11.14%
ROA	1.3%	1.3%	1.2%	1.2%	1.2%	1.3%	1.3%	1.2%	1.1%	0.9%	0.9%	0.4%	0.3%	0.1%	0.3%	0.6%	0.9%	1.2%	1.2%	1.2%	1.25%
ROIC	-1.7%	-38.5%	-34.4%	42.2%	26.8%	18.4%	14.6%	10.7%	8.3%	9.5%	8.6%	4.2%	0.9%	1.0%	2.3%	6.2%	10.7%	14.7%	13.4%	6.9%	6.92%
ROCE	9.1%	9.5%	10.6%	8.0%	8.1%	7.8%	7.1%	6.2%	5.3%	4.6%	4.2%	1.8%	0.3%	0.4%	1.3%	3.4%	5.3%	1.6%	7.2%	1.7%	1.68%
Gross Margin	91.6%	93.8%	1.0%	93.1%	85.2%	84.0%	74.7%	64.2%	58.0%	63.1%	62.2%	34.8%	—	—	62.6%	63.2%	60.7%	64.3%	65.6%	62.1%	62.06%
Operating Margin	40.8%	42.6%	48.9%	42.1%	40.0%	43.3%	33.2%	25.8%	21.1%	21.7%	23.3%	-7.9%	—	—	27.6%	29.8%	28.7%	31.8%	31.8%	22.7%	22.68%
Net Margin	30.3%	30.5%	36.3%	30.8%	28.9%	31.5%	24.5%	18.9%	16.1%	14.9%	17.4%	-4.3%	—	—	19.3%	21.0%	20.3%	23.6%	22.9%	23.9%	23.93%
EBITDA Margin	45.3%	47.2%	53.9%	46.8%	43.9%	47.0%	36.6%	29.0%	24.2%	24.7%	26.2%	-3.0%	—	—	32.7%	34.7%	33.4%	36.2%	36.3%	35.1%	35.10%
FCF Margin	35.0%	29.2%	30.8%	31.6%	34.4%	34.5%	34.5%	27.7%	24.3%	23.8%	20.9%	24.5%	35.9%	93.5%	78.3%	85.6%	59.0%	31.0%	30.3%	26.3%	26.28%
OCF Margin	37.9%	32.1%	35.1%	34.4%	36.9%	36.2%	34.7%	28.7%	25.4%	24.9%	21.9%	25.3%	36.6%	93.8%	78.6%	86.4%	59.5%	32.0%	31.4%	26.8%	26.85%
ROE 3Y Avg	snapshot only																				6.26%
ROE 5Y Avg	snapshot only																				7.75%
ROA 3Y Avg	snapshot only																				0.70%
ROIC Economic	snapshot only																				3.77%
Cash ROA	snapshot only																				1.44%
Cash ROIC	snapshot only																				8.85%
CROIC	snapshot only																				8.67%
NOPAT Margin	snapshot only																				20.98%
Pretax Margin	snapshot only																				31.17%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				23.62%
SBC / Revenue	snapshot only																				0.41%

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	8.48	8.95	8.95	8.73	7.44	7.69	7.14	6.46	6.74	9.47	8.35	17.91	47.30	113.25	40.99	16.39	11.95	8.86	9.01	9.86	9.408
P/S Ratio	2.98	3.07	2.99	2.79	2.34	2.44	2.06	1.66	1.52	1.75	1.40	1.68	3.55	5.13	3.58	3.30	2.41	1.87	1.98	2.23	2.132
P/B Ratio	0.86	0.89	0.90	0.87	0.79	0.85	0.75	0.65	0.62	0.72	0.59	0.54	0.86	0.90	0.81	0.82	0.90	0.91	0.97	1.06	1.012
P/FCF	8.51	10.51	9.71	8.84	6.81	7.08	5.97	6.00	6.24	7.33	6.70	6.85	9.89	5.49	4.57	3.85	4.09	6.01	6.54	8.50	8.499
P/OCF	7.86	9.59	8.53	8.11	6.34	6.75	5.93	5.79	5.97	7.01	6.39	6.65	9.71	5.47	4.55	3.82	4.05	5.83	6.30	8.32	8.320
EV/EBITDA	-1.31	-2.52	-2.60	0.70	1.12	2.69	2.97	3.89	5.31	4.43	3.74	4.80	55.11	44.06	17.67	7.60	4.79	3.63	4.47	8.96	8.963
EV/Revenue	-0.68	-1.29	-1.30	0.34	0.54	1.28	1.29	1.51	1.80	1.26	0.97	0.76	7.40	3.91	2.95	2.56	1.61	1.25	1.57	3.16	3.159
EV/EBIT	-1.45	-2.77	-2.86	0.77	1.24	2.95	3.27	4.28	5.90	4.98	4.25	6.24	76.83	82.20	25.19	8.90	5.59	4.22	5.14	10.14	10.136
EV/FCF	-1.93	-4.41	-4.21	1.07	1.56	3.71	3.73	5.45	7.40	5.28	4.66	3.09	20.61	4.19	3.77	2.99	2.72	4.01	5.19	12.02	12.020
Earnings Yield	11.8%	11.2%	11.2%	11.4%	13.4%	13.0%	14.0%	15.5%	14.8%	10.6%	12.0%	5.6%	2.1%	0.9%	2.4%	6.1%	8.4%	11.3%	11.1%	10.1%	10.15%
FCF Yield	11.7%	9.5%	10.3%	11.3%	14.7%	14.1%	16.8%	16.7%	16.0%	13.6%	14.9%	14.6%	10.1%	18.2%	21.9%	26.0%	24.5%	16.6%	15.3%	11.8%	11.77%
PEG Ratio	snapshot only																				0.264
Price/Tangible Book	snapshot only																				1.439
EV/OCF	snapshot only																				11.766
EV/Gross Profit	snapshot only																				5.001
Acquirers Multiple	snapshot only																				10.950
Shareholder Yield	snapshot only																				4.37%
Graham Number	snapshot only																				$34.69

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	0.23	0.25	0.22	0.21	0.19	0.19	0.20	0.19	0.19	0.19	0.18	0.16	—	0.16	0.17	0.18	0.18	—	0.18	—	—
Quick Ratio	0.23	0.25	0.22	0.21	0.19	0.19	0.20	0.19	0.19	0.19	0.18	0.16	—	0.16	0.17	0.18	0.18	—	0.18	—	—
Debt/Equity	0.38	0.38	0.25	0.64	0.69	0.84	0.97	1.13	1.25	0.91	0.90	0.85	1.03	0.93	1.03	1.03	0.94	0.89	1.01	1.65	1.648
Net Debt/Equity	-1.06	-1.26	-1.29	-0.76	-0.61	-0.40	-0.28	-0.06	0.12	-0.20	-0.18	-0.29	0.94	-0.21	-0.14	-0.18	-0.30	-0.30	-0.20	0.44	0.439
Debt/Assets	0.05	0.05	0.03	0.07	0.08	0.10	0.12	0.13	0.14	0.11	0.11	0.09	0.11	0.10	0.11	0.11	0.11	0.10	0.11	0.19	0.187
Debt/EBITDA	2.56	2.55	1.68	4.25	4.32	5.11	6.15	7.47	9.00	7.73	8.18	16.84	31.50	59.96	27.21	12.21	7.56	5.32	5.89	9.85	9.852
Net Debt/EBITDA	-7.10	-8.54	-8.58	-5.09	-3.78	-2.43	-1.77	-0.40	0.83	-1.72	-1.65	-5.85	28.65	-13.68	-3.75	-2.20	-2.40	-1.81	-1.16	2.63	2.625
Interest Coverage	5.71	6.25	6.87	7.31	6.76	4.94	3.05	1.86	1.19	0.81	0.65	0.32	0.25	0.12	0.31	0.77	0.77	0.80	0.84	0.85	0.852
Equity Multiplier	7.97	8.12	8.40	8.65	8.77	8.63	8.40	8.54	8.68	8.41	8.34	9.42	9.17	9.25	9.11	9.07	8.97	8.82	8.80	8.83	8.828
Debt Service Coverage	snapshot only																				0.964
Cash to Debt	snapshot only																				0.734
FCF to Debt	snapshot only																				0.076
Defensive Interval	snapshot only																				2784.9 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	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.04	0.03	0.02	0.03	0.03	0.04	0.06	0.06	0.05	0.055
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	11.49	11.06	11.50	11.60	12.11	11.80	12.86	13.25	13.24	12.55	12.91	11.04	8.76	6.06	8.01	7.24	11.16	14.79	14.74	14.46	14.463
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	32	33	32	31	30	31	28	28	28	29	28	33	42	60	46	50	33	25	25	25	25.2 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	32	33	32	31	30	31	28	28	28	29	28	33	42	60	46	50	33	25	25	25	—
Fixed Asset Turnover	snapshot only																				12.299
Cash Velocity	snapshot only																				0.393
Capital Intensity	snapshot only																				18.597

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	15.2%	12.3%	7.8%	3.2%	6.9%	13.3%	22.6%	29.8%	28.2%	25.6%	19.4%	27.3%	-4.5%	-34.6%	-15.7%	-17.1%	61.4%	2.0%	1.3%	1.0%	1.04%
Net Income	1.1%	73.2%	25.1%	-2.0%	-4.2%	4.6%	5.4%	4.6%	-8.4%	-26.9%	-30.4%	-53.7%	-68.1%	-84.0%	-56.2%	77.9%	3.3%	13.1%	4.8%	1.3%	1.30%
EPS	96.8%	74.8%	26.2%	1.0%	-1.3%	7.1%	7.2%	4.0%	-9.1%	-27.5%	-30.9%	-66.3%	-81.6%	-90.8%	-74.7%	40.4%	3.3%	13.1%	4.8%	1.3%	1.30%
FCF	1.7%	52.0%	55.2%	33.6%	4.9%	33.5%	37.0%	14.0%	-9.4%	-13.1%	-27.6%	12.4%	41.3%	1.6%	2.2%	1.9%	1.7%	0.9%	-10.4%	-37.3%	-37.32%
EBITDA	96.6%	69.3%	26.1%	0.7%	-0.9%	5.6%	6.1%	4.5%	-9.1%	-25.0%	-28.4%	-48.4%	-62.1%	-79.6%	-45.9%	77.1%	3.0%	10.7%	3.9%	1.1%	1.14%
Op. Income	1.1%	78.1%	28.7%	0.4%	-1.3%	5.7%	6.5%	5.1%	-9.6%	-26.8%	-30.6%	-56.3%	-69.8%	-87.7%	-56.9%	96.6%	3.8%	17.9%	5.0%	1.0%	1.05%
OCF Growth	snapshot only																				-36.54%
Asset Growth	snapshot only																				4.55%
Equity Growth	snapshot only																				7.37%
Debt Growth	snapshot only																				72.44%
Shares Change	snapshot only																				-0.04%
Dividend Growth	snapshot only																				-6.28%

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	6.3%	5.3%	4.8%	4.5%	6.1%	8.4%	11.2%	15.1%	16.4%	16.9%	16.4%	19.4%	9.4%	-2.4%	7.3%	11.0%	25.5%	35.6%	32.6%	29.1%	29.15%
Revenue 5Y	6.5%	6.5%	6.2%	6.1%	6.8%	7.9%	9.0%	10.1%	10.5%	10.7%	11.0%	13.5%	7.9%	0.9%	6.7%	10.0%	19.5%	26.0%	25.3%	23.6%	23.59%
EPS 3Y	12.5%	6.6%	4.8%	2.9%	5.2%	10.5%	15.4%	17.9%	20.9%	10.7%	-2.2%	-29.3%	-45.1%	-58.4%	-42.8%	-21.1%	-10.3%	-1.9%	0.6%	2.8%	2.84%
EPS 5Y	10.5%	10.0%	8.9%	7.9%	8.0%	10.2%	8.8%	9.0%	5.0%	-1.2%	-3.1%	-17.5%	-27.9%	-38.2%	-23.1%	-5.0%	7.0%	12.1%	6.6%	2.7%	2.71%
Net Income 3Y	18.8%	12.4%	10.4%	7.6%	10.2%	16.0%	21.2%	24.0%	22.2%	9.8%	-2.8%	-22.0%	-34.6%	-50.3%	-31.5%	-4.8%	8.2%	18.3%	21.2%	23.8%	23.75%
Net Income 5Y	14.6%	13.8%	12.6%	11.1%	11.1%	13.3%	11.9%	12.1%	8.0%	1.6%	-0.2%	-9.6%	-17.1%	-28.8%	-11.5%	9.5%	20.3%	24.6%	18.6%	14.2%	14.19%
EBITDA 3Y	19.3%	17.5%	15.1%	11.5%	13.1%	16.7%	20.6%	23.5%	21.0%	10.3%	-1.4%	-18.4%	-30.1%	-45.5%	-25.6%	-1.5%	11.6%	21.5%	23.7%	25.0%	25.02%
EBITDA 5Y	13.0%	12.7%	11.9%	10.6%	10.6%	11.6%	11.0%	11.8%	8.9%	5.1%	3.0%	-5.7%	-13.0%	-24.6%	-7.4%	11.5%	22.1%	26.3%	20.4%	15.5%	15.50%
Gross Profit 3Y	13.3%	12.3%	11.4%	10.1%	11.2%	12.8%	14.3%	15.3%	12.7%	8.5%	2.7%	-2.4%	-12.0%	-24.0%	-13.8%	-3.2%	9.7%	20.1%	21.0%	21.1%	21.09%
Gross Profit 5Y	9.2%	9.0%	8.6%	8.1%	8.3%	8.8%	8.6%	8.8%	7.3%	6.1%	5.3%	4.0%	-1.6%	-9.7%	-2.0%	5.8%	14.5%	19.7%	16.8%	13.6%	13.62%
Op. Income 3Y	18.4%	16.4%	14.3%	10.9%	13.2%	17.7%	22.4%	25.8%	23.2%	11.3%	-1.7%	-22.7%	-35.4%	-54.3%	-31.7%	-3.3%	9.6%	19.3%	21.8%	20.8%	20.78%
Op. Income 5Y	13.1%	12.7%	11.8%	10.3%	10.3%	11.3%	10.5%	11.4%	8.2%	4.1%	2.0%	-8.9%	-16.9%	-31.8%	-11.3%	11.3%	22.2%	26.2%	19.9%	13.2%	13.20%
FCF 3Y	3.0%	-2.1%	-0.2%	1.1%	11.9%	13.1%	15.8%	13.5%	36.4%	20.8%	15.5%	19.6%	10.3%	43.8%	46.3%	54.8%	50.3%	31.0%	27.0%	26.8%	26.83%
FCF 5Y	9.5%	3.2%	4.6%	7.9%	6.5%	10.9%	11.1%	3.9%	0.8%	1.7%	-0.3%	5.8%	12.4%	26.3%	28.8%	36.6%	56.9%	35.5%	34.2%	25.5%	25.45%
OCF 3Y	5.0%	0.2%	3.4%	3.3%	13.5%	13.5%	14.3%	12.7%	32.5%	17.5%	12.5%	16.1%	8.1%	39.6%	40.3%	50.9%	47.2%	30.2%	28.3%	26.2%	26.23%
OCF 5Y	10.2%	4.3%	6.7%	9.0%	7.6%	11.3%	10.7%	4.2%	1.2%	2.2%	0.2%	5.9%	12.1%	25.5%	27.8%	35.3%	53.1%	32.8%	31.9%	23.0%	22.99%
Assets 3Y	11.3%	12.3%	11.6%	11.3%	11.1%	12.0%	11.0%	10.1%	3.1%	3.2%	2.5%	22.1%	21.5%	20.4%	21.2%	21.4%	22.2%	21.9%	22.3%	22.3%	22.30%
Assets 5Y	7.4%	7.7%	7.4%	7.5%	7.5%	7.0%	7.2%	7.6%	7.7%	7.9%	7.6%	19.4%	19.4%	19.6%	19.2%	18.5%	14.0%	14.1%	13.9%	14.2%	14.19%
Equity 3Y	8.0%	7.7%	5.7%	4.4%	3.5%	4.2%	5.1%	5.2%	0.4%	1.4%	1.0%	15.1%	16.0%	15.3%	17.9%	19.5%	21.3%	21.0%	20.4%	21.0%	20.96%
Book Value 3Y	2.3%	2.2%	0.3%	-0.1%	-1.2%	-0.8%	0.1%	0.1%	-0.6%	2.3%	1.5%	4.3%	-2.7%	-3.5%	-1.5%	-0.9%	0.6%	0.4%	-0.0%	0.5%	0.52%
Dividend 3Y	-1.2%	-2.4%	-3.4%	-4.1%	-3.9%	-4.5%	-4.9%	-4.9%	-1.1%	1.0%	0.6%	-9.0%	-9.1%	-4.8%	-0.9%	1.3%	-7.6%	-12.4%	-15.9%	-18.7%	-18.68%

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	0.89	0.93	0.98	0.92	0.91	0.90	0.84	0.79	0.80	0.80	0.83	0.78	0.83	0.17	0.68	0.73	0.78	0.47	0.59	0.65	0.654
Earnings Stability	0.42	0.54	0.71	0.59	0.53	0.66	0.79	0.64	0.46	0.28	0.22	0.00	0.04	0.12	0.09	0.00	0.05	0.08	0.10	0.17	0.171
Margin Stability	0.90	0.91	0.91	0.90	0.90	0.92	0.91	0.88	0.86	0.85	0.84	0.78	0.76	0.73	0.75	0.78	0.78	0.75	0.76	0.76	0.760
Rev. Growth Consistency	0.50	1.00	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	0.00	0.50	0.50	0.50	0.50	0.500
Earn. Growth Consistency	0.50	0.50	1.00	0.00	0.00	1.00	1.00	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.90	0.99	0.98	0.98	0.98	0.98	0.97	0.89	0.88	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.500
Earnings Smoothness	0.30	0.46	0.78	0.98	0.96	0.96	0.95	0.96	0.91	0.69	0.64	0.27	0.00	0.00	0.22	0.44	0.00	0.00	0.00	0.21	0.212
ROE Trend	0.03	0.03	0.03	0.02	0.03	0.03	0.01	0.00	-0.01	-0.03	-0.03	-0.07	-0.08	-0.09	-0.07	-0.01	0.02	0.06	0.06	0.07	0.067
Gross Margin Trend	0.19	0.17	0.13	0.09	0.06	0.01	-0.10	-0.19	-0.26	-0.29	-0.28	-0.33	-0.31	-0.32	-0.23	-0.02	0.02	0.07	0.07	0.05	0.055
FCF Margin Trend	0.13	0.03	0.05	0.05	0.09	0.09	0.08	-0.00	-0.10	-0.08	-0.12	-0.05	0.07	0.64	0.51	0.59	0.29	-0.28	-0.19	-0.29	-0.288
Sustainable Growth Rate	6.1%	5.8%	5.6%	5.3%	5.7%	6.3%	6.2%	5.8%	4.9%	3.4%	2.9%	0.2%	-2.1%	-4.0%	-3.1%	0.1%	3.0%	6.1%	6.6%	6.7%	6.71%
Internal Growth Rate	0.8%	0.7%	0.7%	0.6%	0.7%	0.8%	0.7%	0.7%	0.6%	0.4%	0.3%	0.0%	—	—	—	0.0%	0.3%	0.7%	0.7%	0.8%	0.76%

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	1.08	0.93	1.05	1.08	1.17	1.14	1.20	1.12	1.13	1.35	1.31	2.69	4.87	20.70	9.01	4.29	2.95	1.52	1.43	1.18	1.185
FCF/OCF	0.92	0.91	0.88	0.92	0.93	0.95	0.99	0.97	0.96	0.96	0.95	0.97	0.98	1.00	1.00	0.99	0.99	0.97	0.96	0.98	0.979
FCF/Net Income	snapshot only																				1.160
OCF/EBITDA	snapshot only																				0.762
CapEx/Revenue	2.9%	2.8%	4.3%	2.9%	2.6%	1.7%	0.2%	1.0%	1.1%	1.1%	1.0%	0.7%	0.7%	0.3%	0.3%	0.8%	0.5%	1.0%	1.1%	0.6%	0.57%
CapEx/Depreciation	snapshot only																				0.139
Accruals Ratio	-0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.02	-0.02	-0.02	-0.02	-0.01	-0.01	-0.00	-0.002
Sloan Accruals	snapshot only																				0.759
Cash Flow Adequacy	snapshot only																				2.802
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	4.9%	4.8%	4.9%	5.2%	5.9%	5.3%	5.8%	6.8%	7.1%	6.0%	7.2%	5.3%	4.1%	4.6%	5.6%	6.0%	5.1%	4.9%	4.5%	4.0%	4.25%
Dividend/Share	$0.92	$0.94	$0.95	$0.97	$0.97	$0.97	$0.96	$0.96	$0.96	$0.97	$0.96	$0.71	$0.71	$0.82	$0.92	$1.02	$0.97	$0.96	$0.96	$0.95	$0.96
Payout Ratio	41.3%	42.6%	44.1%	45.7%	44.1%	41.0%	41.8%	43.6%	48.0%	56.4%	60.0%	95.3%	1.9%	5.2%	2.3%	97.6%	61.1%	43.2%	40.9%	39.8%	39.78%
FCF Payout Ratio	41.5%	50.0%	47.9%	46.2%	40.4%	37.7%	34.9%	40.5%	44.5%	43.7%	48.2%	36.5%	40.1%	25.1%	25.5%	23.0%	20.9%	29.3%	29.7%	34.3%	34.30%
Total Payout Ratio	57.6%	54.9%	75.1%	88.9%	77.2%	68.0%	52.9%	43.6%	48.0%	56.4%	60.4%	95.3%	1.9%	5.2%	2.3%	99.0%	62.0%	43.9%	44.3%	43.1%	43.07%
Div. Increase Streak	0	0	1	1	1	1	0	0	0	1	0	0	0	1	0	1	1	1	1	0	0
Chowder Number	0.18	0.13	0.10	0.06	0.08	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.32	0.52	0.73	0.88	0.43	0.23	0.09	-0.02	-0.023
Buyback Yield	1.9%	1.4%	3.5%	4.9%	4.5%	3.5%	1.6%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.4%	0.3%	0.33%
Net Buyback Yield	1.9%	1.4%	3.5%	4.9%	4.5%	3.5%	1.6%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.3%	0.3%	0.30%
Total Shareholder Return	6.8%	6.1%	8.4%	10.2%	10.4%	8.8%	7.4%	6.8%	7.1%	6.0%	7.2%	5.3%	4.1%	4.6%	5.6%	6.0%	5.2%	5.0%	4.9%	4.3%	4.34%

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)	0.75	0.74	0.74	0.73	0.73	0.73	0.73	0.73	0.74	0.73	0.73	0.77	0.78	0.95	0.74	0.70	0.70	0.71	0.72	0.73	0.727
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	0.47	0.46	0.45	0.44	0.43	0.43	0.39	0.35	0.30	0.25	0.23	0.12	0.10	0.05	0.12	0.29	0.29	0.30	0.31	0.31	0.312
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.04	0.03	0.02	0.03	0.03	0.04	0.06	0.06	0.05	0.055
Equity Multiplier	8.00	8.05	8.18	8.25	8.36	8.37	8.40	8.60	8.72	8.51	8.37	9.08	8.98	8.92	8.81	9.24	9.07	9.02	8.95	8.94	8.943

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)	$2.23	$2.20	$2.15	$2.12	$2.20	$2.36	$2.31	$2.20	$2.00	$1.71	$1.59	$0.74	$0.37	$0.16	$0.40	$1.04	$1.59	$2.23	$2.35	$2.40	$2.40
Book Value/Share	$21.90	$22.26	$21.35	$21.31	$20.85	$21.46	$21.95	$21.95	$21.66	$22.53	$22.52	$24.82	$20.16	$19.98	$20.39	$20.76	$21.21	$21.70	$21.92	$22.29	$22.30
Tangible Book/Share	$15.84	$16.17	$15.25	$15.09	$14.64	$15.27	$15.80	$15.81	$15.54	$16.43	$16.45	$16.55	$13.71	$13.69	$14.18	$14.62	$15.15	$15.71	$16.00	$16.43	$16.43
Revenue/Share	$6.36	$6.42	$6.43	$6.63	$7.00	$7.44	$8.01	$8.56	$8.92	$9.27	$9.49	$7.92	$4.91	$3.49	$4.62	$5.18	$7.89	$10.59	$10.70	$10.58	$10.59
FCF/Share	$2.22	$1.88	$1.98	$2.10	$2.41	$2.56	$2.76	$2.38	$2.16	$2.21	$1.98	$1.94	$1.76	$3.27	$3.62	$4.44	$4.66	$3.29	$3.24	$2.78	$2.78
OCF/Share	$2.41	$2.06	$2.26	$2.28	$2.58	$2.69	$2.78	$2.46	$2.26	$2.31	$2.08	$2.00	$1.80	$3.28	$3.63	$4.48	$4.70	$3.39	$3.36	$2.84	$2.84
Cash/Share	$31.61	$36.34	$33.00	$29.90	$27.07	$26.73	$27.51	$26.18	$24.64	$24.92	$24.24	$28.34	$1.88	$22.85	$23.88	$25.14	$26.39	$25.85	$26.51	$26.96	$26.97
EBITDA/Share	$3.27	$3.28	$3.22	$3.20	$3.34	$3.54	$3.47	$3.33	$3.01	$2.64	$2.47	$1.25	$0.66	$0.31	$0.77	$1.75	$2.65	$3.63	$3.76	$3.73	$3.73
Debt/Share	$8.38	$8.36	$5.40	$13.61	$14.44	$18.11	$21.36	$24.86	$27.14	$20.40	$20.18	$21.03	$20.75	$18.61	$20.98	$21.30	$20.04	$19.29	$22.14	$36.75	$36.75
Net Debt/Share	$-23.23	$-27.99	$-27.60	$-16.29	$-12.64	$-8.63	$-6.16	$-1.32	$2.50	$-4.53	$-4.06	$-7.31	$18.87	$-4.25	$-2.89	$-3.83	$-6.35	$-6.57	$-4.38	$9.79	$9.79

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.716
Altman Z-Prime	snapshot only																				1.337
Piotroski F-Score	8	7	8	5	5	6	6	5	4	4	5	4	4	4	4	6	6	5	7	6	6
Beneish M-Score	-2.59	-2.57	-2.54	-2.42	-2.29	-2.14	-1.98	-1.94	-1.98	-2.17	-2.24	-1.29	—	—	-1.81	-2.75	—	—	-2.46	-2.55	-2.553
Ohlson O-Score	snapshot only																				-6.193
ROIC (Greenblatt)	snapshot only																				11.55%
Net-Net WC	snapshot only																				$-146.82
EVA	snapshot only																				$-128915304.54

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	69.17	68.44	79.19	56.98	61.79	60.80	60.03	57.01	54.53	52.46	51.82	40.88	34.38	37.60	36.90	47.29	53.04	65.92	59.87	62.90	62.898
Credit Grade	snapshot only																				8
Credit Trend	snapshot only																				15.604
Implied Spread (bps)	snapshot only																				225.000
Industry Credit Rank	snapshot only																				55
Sector Credit Rank	snapshot only																				51

PFS 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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