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PGC NASDAQ

Peapack-Gladstone Financial Corporation
1W: +4.6% 1M: +4.1% 3M: -0.2% YTD: +65.4% 1Y: +68.1% 3Y: +91.5% 5Y: +42.6%
$45.91
+0.13 (+0.28%)
 
Weekly Expected Move ±2.9%
$43 $44 $45 $47 $48
NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 69 · $813.9M mcap · 15M float · 1.11% daily turnover · Short 61% 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.

WEAK EDGE
47.5 / 100
NoneWeakNarrowWide
Primary source: Network Effects  ·  ROIC: 71.7%  ·  5Y Avg: 0.8%
Cost Advantage
49
Intangibles
47
Switching Cost
48
Network Effect
53
Scale
40
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. PGC shows a Weak competitive edge (47.5/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 71.7% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets
$0
Low
$58
Avg Target
$58
High
Based on 5 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 1Buy: 7Hold: 0Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$58.00
Analysts1
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-07-29 Piper Sandler — $54 $58 +4 +21.5% $47.72
2026-07-01 Raymond James Steve Moss $49 $55 +6 +16.2% $47.33
2026-06-26 Piper Sandler — $32 $54 +22 +16.4% $46.40
2026-04-27 Raymond James Steve Moss Initiated $49 — +19.0% $41.17
2025-12-10 Piper Sandler — $35 $32 -3 +14.3% $27.99
2024-10-23 Piper Sandler Frank Schiraldi Initiated $35 — +12.2% $31.20

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.

B
Oct 27, 2026
DCF
3
ROE
2
ROA
2
D/E
4
P/E
2
P/B
3
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. PGC receives an overall rating of B. Strongest factors: D/E (4/5). Areas of concern: ROE (2/5), ROA (2/5), P/E (2/5).
Rating Change History
DateFromTo
2026-10-22 B+ B
2026-10-01 B B+
2026-08-12 B- B
2026-08-03 B B-
2026-07-16 B+ B
2026-05-18 B B+
2026-04-23 B+ B
2026-04-22 A- B+
2026-04-01 B A-
2026-02-06 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.

★ ★ ★ ★ ★ 62 Grade A+
Profitability
47
Balance Sheet
54
Earnings Quality
91
Growth
65
Value
77
Momentum
92
Safety
50
Cash Flow
87
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. PGC scores highest in Momentum (92/100) and lowest in Profitability (47/100). An overall grade of A+ places PGC 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
2.19
Grey Zone
Piotroski F-Score
8/9
✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓
Beneish M-Score
-2.32
Unlikely Manipulator
Ohlson O-Score
-5.40
Bankruptcy prob: 0.5%
Low Risk
Credit Rating
BBB+
Score: 64.5/100
Trend: Improving
Earnings Quality
100/100
OCF/NI: 2.14x
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. PGC scores 2.19, 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. PGC 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. PGC's score of -2.32 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. PGC's implied 0.5% 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. PGC receives an estimated rating of BBB+ (score: 64.5/100), 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). PGC's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

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

P/E
13.38x
PEG
0.18x
P/S
2.19x
P/B
0.10x
P/FCF
8.14x
P/OCF
7.77x
EV/EBITDA
2.61x
EV/Revenue
0.47x
EV/EBIT
3.01x
EV/FCF
2.06x
Earnings Yield
6.02%
FCF Yield
12.29%
Shareholder Yield
0.87%
Graham Number
$50.20
Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 13.4x earnings, PGC trades at a reasonable valuation. An earnings yield of 6.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $50.20 per share, suggesting a potential 9% 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
0.715
NI / EBT
×
Interest Burden
1.000
EBT / EBIT
×
EBIT Margin
0.155
EBIT / Rev
×
Asset Turnover
0.062
Rev / Assets
×
Equity Multiplier
11.275
Assets / Equity
=
ROE
7.7%
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. PGC's ROE of 7.7% is driven by financial leverage (equity multiplier: 11.27x). 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
15.00%
Fair P/E
38.50x
Intrinsic Value
$109.74
Price/Value
0.43x
Margin of Safety
56.87%
Premium
-56.87%
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 PGC's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. PGC trades at a -57% premium to its adjusted intrinsic value of $109.74, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 13.4x.

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
$45.91
Median 1Y
$45.51
5th Pctile
$22.73
95th Pctile
$90.94
Ann. Volatility
41.3%
Analyst Target
$58.00
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

ExecutiveSalaryStockTotal
Douglas L. Kennedy
President & CEO of Peapack-Gladstone and the Bank
$936,000 $863,540 $3,479,531
John P. Babcock
Senior Executive Vice President of Peapack-Gladstone and President of Private Wealth Management
$600,257 $557,224 $2,006,691
Frank A. Cavallaro
Senior Executive Vice President and CFO of 'Peapack- Gladstone and the Bank
$475,000 $369,316 $1,333,005
Gregory M. Smith
Senior Executive Vice President and President of Commercial Banking of Peapack-Gladstone and the Bank
$440,000 $363,613 $1,260,020
Robert A. Plante
Executive Vice President and Chief Operating Officer of Peapack-Gladstone and the Bank
$402,718 $232,115 $954,865

CEO Pay Ratio

18:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $3,479,531
Avg Employee Cost (SGA/emp): $196,679
Employees: 682

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
682
+10.0% YoY
Revenue / Employee
$647,161
Rev: $441,364,000
Profit / Employee
$54,730
NI: $37,326,000
SGA / Employee
$196,679
Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability
Metric Trend 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 8.4% 10.5% 10.9% 11.8% 12.9% 13.8% 14.7% 13.3% 11.3% 8.8% 6.9% 5.8% 5.5% 5.5% 5.3% 5.3% 5.5% 5.9% 6.6% 7.7% 7.72%
ROA 0.7% 0.9% 0.9% 1.0% 1.1% 1.2% 1.2% 1.1% 1.0% 0.8% 0.6% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.5% 0.6% 0.7% 0.68%
ROIC -5.8% -22.8% 67.8% -1.7% 73.1% 23.3% 28.6% 14.7% 12.9% 12.3% 35.5% -23.4% -8.3% 9.6% 6.8% -10.4% 9.3% 27.6% 8.7% 71.7% 71.70%
ROCE 8.0% 10.6% 11.0% 12.2% 13.7% 14.6% 15.3% 13.8% 12.0% 9.2% 7.4% 6.0% 5.6% 5.7% 5.6% 5.8% 6.1% 3.8% 7.6% 0.9% 0.92%
Gross Margin 88.8% 85.9% 88.3% 89.4% 85.9% 77.7% 68.0% 59.3% 50.6% 48.3% 53.1% 51.8% 53.8% 56.2% 56.5% 56.4% 58.1% 61.0% 63.9% 63.7% 63.73%
Operating Margin 33.2% 33.9% 30.2% 40.7% 38.9% 36.4% 28.5% 19.6% 13.0% 12.4% 12.8% 9.6% 10.6% 11.7% 10.0% 10.2% 12.2% 14.7% 16.8% 18.2% 18.23%
Net Margin 24.5% 24.3% 22.8% 30.0% 28.2% 25.4% 21.0% 14.2% 9.0% 9.2% 8.9% 7.5% 7.5% 8.8% 7.3% 7.2% 8.6% 10.5% 12.0% 13.1% 13.06%
EBITDA Margin 35.3% 36.0% 32.4% 42.6% 40.6% 38.0% 29.9% 20.9% 14.3% 13.7% 14.1% 10.7% 11.7% 12.7% 11.1% 11.4% 13.4% 20.9% 18.0% 19.4% 19.39%
FCF Margin 36.8% 30.8% 31.4% 36.6% 42.3% 41.5% 40.2% 26.7% 22.1% 18.0% 12.2% 10.8% 10.4% 15.6% 8.2% 10.4% 12.7% 6.5% 13.9% 22.7% 22.68%
OCF Margin 38.6% 32.5% 32.4% 37.5% 43.6% 42.7% 41.4% 27.9% 22.9% 18.9% 13.2% 11.9% 11.7% 17.6% 10.8% 14.1% 16.4% 9.8% 16.6% 23.7% 23.73%
ROE 3Y Avg snapshot only 6.03%
ROE 5Y Avg snapshot only 8.58%
ROA 3Y Avg snapshot only 0.54%
ROIC Economic snapshot only 6.30%
Cash ROA snapshot only 1.39%
Cash ROIC snapshot only 1.53%
CROIC snapshot only 1.46%
NOPAT Margin snapshot only 11.11%
Pretax Margin snapshot only 15.54%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 13.49%
SBC / Revenue snapshot only 0.03%
Valuation
Metric Trend 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 13.94 11.60 11.28 8.63 8.84 9.02 6.70 6.66 7.47 10.81 10.93 11.90 14.87 17.14 15.74 15.48 14.25 13.21 14.25 16.61 13.385
P/S Ratio 2.79 2.83 2.73 2.21 2.35 2.41 1.73 1.45 1.27 1.42 1.12 1.03 1.23 1.40 1.23 1.19 1.14 1.12 1.37 1.85 2.190
P/B Ratio 1.15 1.20 1.23 1.04 1.18 1.26 0.96 0.85 0.81 0.90 0.73 0.68 0.79 0.93 0.81 0.80 0.76 0.75 0.89 1.20 0.103
P/FCF 7.57 9.18 8.69 6.03 5.54 5.80 4.30 5.41 5.75 7.90 9.21 9.56 11.76 8.97 15.00 11.41 8.93 17.25 9.87 8.14 8.138
P/OCF 7.23 8.70 8.43 5.89 5.38 5.63 4.17 5.18 5.54 7.53 8.52 8.66 10.47 7.95 11.40 8.46 6.93 11.43 8.27 7.77 7.775
EV/EBITDA -10.37 -1.68 2.45 -0.19 1.87 4.24 2.20 3.85 4.06 4.74 -0.74 -6.51 -10.48 6.10 7.34 -8.91 4.18 -0.47 5.88 2.61 2.605
EV/Revenue -3.06 -0.59 0.86 -0.07 0.71 1.64 0.82 1.22 1.02 0.92 -0.12 -0.86 -1.31 0.75 0.85 -1.05 0.51 -0.07 0.94 0.47 0.468
EV/EBIT -11.16 -1.78 2.60 -0.20 1.97 4.45 2.30 4.04 4.30 5.10 -0.81 -7.20 -11.61 6.73 8.12 -9.85 4.61 -0.57 6.95 3.01 3.011
EV/FCF -8.31 -1.93 2.74 -0.19 1.68 3.95 2.04 4.56 4.64 5.13 -0.96 -7.97 -12.58 4.80 10.41 -10.03 4.00 -1.04 6.76 2.06 2.064
Earnings Yield 7.2% 8.6% 8.9% 11.6% 11.3% 11.1% 14.9% 15.0% 13.4% 9.3% 9.1% 8.4% 6.7% 5.8% 6.4% 6.5% 7.0% 7.6% 7.0% 6.0% 6.02%
FCF Yield 13.2% 10.9% 11.5% 16.6% 18.0% 17.2% 23.3% 18.5% 17.4% 12.7% 10.9% 10.5% 8.5% 11.1% 6.7% 8.8% 11.2% 5.8% 10.1% 12.3% 12.29%
PEG Ratio snapshot only 0.178
Price/Tangible Book snapshot only 1.282
EV/OCF snapshot only 1.972
EV/Gross Profit snapshot only 0.758
Acquirers Multiple snapshot only 3.011
Shareholder Yield snapshot only 0.87%
Graham Number snapshot only $50.20
Leverage & Solvency
Metric Trend 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 0.27 0.18 0.15 0.13 0.12 0.14 0.14 0.13 0.13 0.13 0.14 0.16 0.20 0.08 0.05 0.17 0.07 0.13 0.05 10.62 10.619
Quick Ratio 0.27 0.18 0.15 0.13 0.12 0.14 0.14 0.13 0.13 0.13 0.14 0.16 0.20 0.08 0.05 0.17 0.07 0.13 0.05 10.62 10.619
Debt/Equity 0.28 0.27 0.53 0.29 0.36 1.00 0.95 1.13 1.11 0.95 0.47 0.30 0.30 0.29 0.23 0.23 0.22 0.40 0.15 0.16 0.164
Net Debt/Equity -2.41 -1.45 -0.84 -1.07 -0.82 -0.40 -0.50 -0.13 -0.16 -0.32 -0.81 -1.24 -1.64 -0.43 -0.25 -1.49 -0.42 -0.79 -0.28 -0.90 -0.899
Debt/Assets 0.02 0.02 0.04 0.02 0.03 0.08 0.08 0.10 0.10 0.09 0.04 0.03 0.03 0.03 0.02 0.02 0.02 0.03 0.01 0.01 0.015
Debt/EBITDA 2.26 1.80 3.34 1.70 1.87 4.94 4.62 6.05 6.88 7.66 4.58 3.45 3.66 3.60 3.01 2.88 2.69 4.11 1.46 1.40 1.399
Net Debt/EBITDA -19.81 -9.64 -5.32 -6.19 -4.28 -1.99 -2.43 -0.71 -0.97 -2.56 -7.90 -14.31 -20.29 -5.31 -3.24 -19.06 -5.16 -8.27 -2.71 -7.67 -7.665
Interest Coverage 2.57 3.53 3.87 4.28 3.82 2.86 1.89 1.14 0.71 0.45 0.33 0.26 0.25 0.25 0.25 0.26 0.28 0.32 0.39 0.48 0.481
Equity Multiplier 11.49 11.12 11.95 11.82 11.81 11.92 11.68 11.47 11.67 11.10 11.00 11.06 11.18 11.57 11.45 11.43 11.58 11.43 11.01 11.14 11.135
Cash Ratio snapshot only 10.164
Debt Service Coverage snapshot only 0.556
Cash to Debt snapshot only 6.478
FCF to Debt snapshot only 0.902
Defensive Interval snapshot only 1344.3 days
Efficiency & Turnover
Metric Trend 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 0.05 0.05 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.062
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 9.97 10.54 10.05 10.51 12.72 11.91 14.61 15.00 17.59 13.29 14.68 14.25 14.28 13.30 12.69 12.59 13.03 14.27 13.98 13.89 13.890
Payables Turnover 4.43 — — — — — 15.23 — — — 43.19 38.05 — 20.12 — 37.27 14.81 20.00 — — —
DSO 37 35 36 35 29 31 25 24 21 27 25 26 26 27 29 29 28 26 26 26 26.3 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 82 0 0 0 0 0 24 0 0 0 8 10 0 18 0 10 25 18 0 0 —
Cash Conversion Cycle -46 35 36 35 29 31 1 24 21 27 16 16 26 9 29 19 3 7 26 26 —
Fixed Asset Turnover snapshot only 5.862
Cash Velocity snapshot only 0.614
Capital Intensity snapshot only 17.060
Growth (YoY)
Metric Trend 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 -4.9% 2.1% 5.1% 7.9% 15.2% 19.8% 30.6% 35.8% 38.6% 33.3% 23.9% 16.6% 9.5% 8.6% 7.8% 8.4% 9.9% 9.5% 10.9% 11.2% 11.17%
Net Income 26.6% 1.2% 49.7% 41.6% 53.0% 31.1% 39.2% 15.4% -11.2% -34.2% -50.6% -53.6% -46.8% -32.5% -18.3% -3.4% 6.4% 13.2% 37.3% 60.4% 60.41%
EPS 25.6% 1.2% 54.3% 47.7% 60.0% 36.0% 44.4% 19.0% -9.2% -32.7% -49.3% -52.8% -45.9% -31.8% -18.4% -3.5% 5.8% 13.6% 37.7% 56.8% 56.76%
FCF 1.4% 1.1% 33.7% 37.2% 32.5% 61.3% 67.1% -0.8% -27.7% -42.1% -62.3% -53.1% -48.2% -5.7% -27.8% 5.2% 34.2% -54.6% 89.0% 1.4% 1.41%
EBITDA 33.2% 1.3% 46.8% 37.3% 49.0% 30.2% 38.7% 17.0% -8.5% -32.7% -47.8% -51.5% -45.6% -31.4% -20.4% -3.4% 6.9% 27.6% 53.1% 70.0% 69.96%
Op. Income 35.9% 1.4% 50.0% 39.3% 52.2% 31.8% 41.0% 18.0% -9.0% -34.3% -50.0% -54.0% -47.9% -33.2% -21.5% -3.2% 7.3% 16.4% 43.3% 62.5% 62.49%
OCF Growth snapshot only 87.26%
Asset Growth snapshot only 10.69%
Equity Growth snapshot only 13.66%
Debt Growth snapshot only -17.29%
Shares Change snapshot only 2.33%
Dividend Growth snapshot only 3.02%
Growth (CAGR)
Metric Trend 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 4.6% 4.9% 3.8% 4.2% 4.6% 5.7% 8.7% 12.2% 15.0% 17.7% 19.4% 19.6% 20.5% 20.1% 20.4% 19.7% 18.6% 16.6% 14.0% 12.0% 12.00%
Revenue 5Y 10.1% 10.0% 9.7% 9.8% 9.6% 10.1% 11.1% 11.7% 12.8% 13.0% 12.6% 12.3% 11.6% 11.4% 11.4% 12.3% 12.8% 14.2% 15.3% 15.6% 15.56%
EPS 3Y 0.7% 9.3% 9.6% 13.9% 16.4% 17.8% 30.3% 30.7% 22.2% 26.2% 4.1% -6.1% -7.7% -14.5% -15.8% -18.5% -19.6% -19.5% -17.1% -10.6% -10.64%
EPS 5Y 10.5% 13.9% 12.6% 14.5% 15.1% 15.4% 15.8% 12.0% 8.2% 3.6% -0.7% -3.7% -5.0% -5.5% -1.7% 0.3% 0.9% 9.2% 4.9% 4.6% 4.64%
Net Income 3Y 0.7% 8.6% 8.3% 12.1% 14.3% 16.1% 28.4% 28.4% 19.8% 23.1% 1.0% -8.8% -10.3% -16.5% -17.5% -19.7% -20.5% -20.5% -17.9% -10.4% -10.41%
Net Income 5Y 13.8% 16.4% 14.4% 15.6% 15.4% 15.3% 15.0% 10.8% 6.8% 2.0% -2.7% -5.5% -6.8% -7.0% -3.1% -1.0% -0.6% 7.3% 2.9% 3.3% 3.28%
EBITDA 3Y 2.6% 9.9% 8.9% 12.5% 14.1% 15.2% 29.7% 29.7% 22.0% 25.7% 2.0% -8.0% -9.5% -15.6% -16.8% -18.1% -19.0% -16.2% -14.0% -7.3% -7.29%
EBITDA 5Y 9.8% 12.4% 11.0% 11.9% 11.9% 13.1% 13.7% 10.7% 8.0% 3.1% -1.3% -4.2% -5.9% -6.7% -2.0% 0.4% 1.1% 11.7% 5.3% 5.1% 5.07%
Gross Profit 3Y 7.5% 10.0% 9.4% 10.9% 11.4% 11.4% 16.1% 15.7% 12.8% 11.0% 4.6% 1.9% 2.1% 2.0% 2.8% 2.8% 2.7% 2.8% 3.8% 6.5% 6.52%
Gross Profit 5Y 11.3% 12.0% 11.7% 11.9% 11.3% 11.2% 10.8% 9.3% 8.1% 6.4% 5.0% 4.6% 4.5% 4.8% 7.6% 8.7% 9.2% 10.9% 9.2% 9.1% 9.10%
Op. Income 3Y 2.3% 10.4% 9.2% 13.0% 14.7% 15.7% 31.4% 31.7% 23.5% 28.1% 1.9% -8.9% -10.3% -16.7% -17.9% -19.3% -20.2% -20.0% -17.5% -10.2% -10.21%
Op. Income 5Y 10.4% 12.7% 11.2% 12.2% 12.1% 13.5% 14.1% 11.0% 8.2% 3.1% -1.7% -4.7% -6.5% -7.4% -2.3% 0.3% 1.0% 10.3% 3.5% 3.5% 3.54%
FCF 3Y 6.9% 4.2% -3.1% 5.7% 14.6% 10.9% 27.6% 13.7% 31.4% 25.7% -5.6% -13.9% -20.8% -4.1% -23.1% -21.2% -20.5% -37.2% -19.9% 6.0% 6.02%
FCF 5Y 18.6% 12.5% 4.5% 10.7% 15.9% 16.6% 22.7% 10.4% 3.2% 1.1% -10.5% -11.2% -10.8% -5.7% -10.8% -6.2% 9.6% -3.2% 2.8% 10.2% 10.16%
OCF 3Y 7.9% 5.5% -2.5% 6.1% 15.0% 11.3% 27.1% 13.5% 29.4% 24.0% -5.6% -12.9% -19.0% -2.0% -16.6% -13.6% -14.4% -28.7% -15.9% 6.1% 6.14%
OCF 5Y 18.0% 11.9% 3.9% 9.7% 15.4% 16.3% 22.2% 10.6% 3.6% 1.8% -9.4% -9.8% -9.1% -3.8% -6.5% -1.4% 13.3% 3.3% 4.9% 9.8% 9.77%
Assets 3Y 12.1% 9.6% 10.3% 8.1% 7.3% 7.0% 3.6% 1.0% 3.1% 3.2% 2.4% 3.9% 2.9% 4.9% 4.4% 5.4% 6.9% 5.8% 5.9% 7.1% 7.15%
Assets 5Y 10.6% 9.4% 9.6% 8.1% 7.8% 8.3% 8.4% 8.7% 8.0% 7.0% 6.6% 6.0% 6.6% 6.2% 4.1% 2.8% 4.5% 5.0% 5.2% 6.6% 6.59%
Equity 3Y 6.1% 5.2% 2.8% 1.8% 1.3% 1.9% 3.8% 3.6% 2.3% 3.5% 3.7% 3.0% 3.8% 3.5% 5.9% 6.6% 7.6% 7.3% 8.0% 8.2% 8.20%
Book Value 3Y 6.1% 5.9% 4.1% 3.4% 3.3% 3.4% 5.3% 5.5% 4.3% 6.0% 6.9% 6.1% 6.8% 6.0% 8.1% 8.2% 8.9% 8.6% 9.0% 7.9% 7.93%
Dividend 3Y 0.0% 0.6% 0.9% 0.9% 0.9% 0.3% 0.2% 0.5% 0.9% 1.7% 2.7% 2.8% 2.7% 2.1% 1.7% 1.2% 0.9% 1.2% 0.9% 1.5% 1.52%
Growth Quality
Metric Trend 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 0.83 0.82 0.77 0.84 0.83 0.84 0.76 0.74 0.72 0.77 0.78 0.79 0.78 0.80 0.84 0.89 0.91 0.96 0.99 0.99 0.994
Earnings Stability 0.49 0.29 0.54 0.54 0.52 0.43 0.59 0.62 0.50 0.21 0.14 0.07 0.01 0.00 0.00 0.01 0.03 0.02 0.07 0.09 0.092
Margin Stability 0.91 0.90 0.89 0.89 0.89 0.89 0.90 0.88 0.86 0.83 0.82 0.81 0.79 0.78 0.77 0.78 0.79 0.80 0.80 0.80 0.805
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 0.50 1.00 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 0.50 0.50 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 0.50 0.80 0.83 0.50 0.88 0.84 0.94 0.96 0.86 0.50 0.50 0.81 0.87 0.93 0.99 0.97 0.95 0.85 0.50 0.500
Earnings Smoothness 0.77 0.27 0.60 0.66 0.58 0.73 0.67 0.86 0.88 0.59 0.32 0.27 0.39 0.61 0.80 0.97 0.94 0.88 0.69 0.54 0.536
ROE Trend 0.00 0.03 0.03 0.05 0.06 0.06 0.05 0.03 0.00 -0.04 -0.06 -0.07 -0.07 -0.06 -0.05 -0.04 -0.03 -0.01 0.00 0.02 0.018
Gross Margin Trend 0.16 0.18 0.16 0.14 0.11 0.07 -0.04 -0.13 -0.23 -0.30 -0.31 -0.29 -0.23 -0.17 -0.11 -0.06 -0.01 0.03 0.06 0.08 0.084
FCF Margin Trend 0.13 0.05 0.07 0.09 0.17 0.19 0.12 -0.06 -0.17 -0.18 -0.24 -0.21 -0.22 -0.14 -0.18 -0.08 -0.04 -0.10 0.04 0.12 0.121
Sustainable Growth Rate 7.7% 9.8% 10.2% 11.1% 12.3% 13.1% 14.0% 12.6% 10.7% 8.1% 6.3% 5.2% 4.9% 5.0% 4.7% 4.7% 4.9% 5.3% 6.1% 7.2% 7.16%
Internal Growth Rate 0.7% 0.9% 0.9% 1.0% 1.1% 1.1% 1.2% 1.1% 0.9% 0.7% 0.6% 0.5% 0.4% 0.4% 0.4% 0.4% 0.4% 0.5% 0.5% 0.6% 0.64%
Cash Flow Quality
Metric Trend 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 1.93 1.33 1.34 1.47 1.64 1.60 1.60 1.28 1.35 1.43 1.28 1.37 1.42 2.16 1.38 1.83 2.06 1.16 1.72 2.14 2.136
FCF/OCF 0.95 0.95 0.97 0.98 0.97 0.97 0.97 0.96 0.96 0.95 0.93 0.91 0.89 0.89 0.76 0.74 0.78 0.66 0.84 0.96 0.955
FCF/Net Income snapshot only 2.041
OCF/EBITDA snapshot only 1.321
CapEx/Revenue 1.8% 1.7% 1.0% 0.9% 1.3% 1.3% 1.2% 1.1% 0.9% 0.9% 1.0% 1.1% 1.3% 2.0% 2.6% 3.6% 3.7% 3.3% 2.7% 1.1% 1.06%
CapEx/Depreciation snapshot only 0.437
Accruals Ratio -0.01 -0.00 -0.00 -0.00 -0.01 -0.01 -0.01 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.01 -0.00 -0.00 -0.01 -0.00 -0.00 -0.01 -0.008
Sloan Accruals snapshot only 0.794
Cash Flow Adequacy snapshot only 12.807
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend 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 0.6% 0.6% 0.6% 0.7% 0.6% 0.5% 0.7% 0.7% 0.8% 0.7% 0.8% 0.9% 0.7% 0.6% 0.7% 0.7% 0.7% 0.7% 0.6% 0.4% 0.44%
Dividend/Share $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20
Payout Ratio 8.5% 6.7% 6.6% 5.9% 5.4% 4.9% 4.6% 5.0% 5.9% 7.3% 9.1% 10.6% 11.0% 10.7% 11.0% 10.9% 10.2% 9.4% 8.0% 7.2% 7.15%
FCF Payout Ratio 4.6% 5.3% 5.1% 4.1% 3.4% 3.2% 2.9% 4.0% 4.5% 5.3% 7.7% 8.5% 8.7% 5.6% 10.5% 8.0% 6.4% 12.3% 5.6% 3.5% 3.51%
Total Payout Ratio 57.0% 61.4% 73.9% 65.3% 63.2% 52.9% 38.9% 41.2% 37.2% 39.5% 44.4% 41.6% 42.3% 10.7% 17.4% 15.4% 14.2% 27.4% 22.9% 14.4% 14.38%
Div. Increase Streak 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Chowder Number 0.01 0.00 -0.00 -0.01 -0.02 -0.03 -0.03 -0.03 -0.02 -0.02 -0.00 0.00 0.00 -0.00 -0.00 -0.00 -0.00 0.00 0.00 0.06 0.059
Buyback Yield 3.5% 4.7% 6.0% 6.9% 6.5% 5.3% 5.1% 5.4% 4.2% 3.0% 3.2% 2.6% 2.1% 0.0% 0.4% 0.3% 0.3% 1.4% 1.0% 0.4% 0.44%
Net Buyback Yield 3.5% 4.7% 6.0% 6.9% 6.5% 5.3% 5.1% 5.4% 4.2% 3.0% 3.2% 2.6% 2.1% 0.0% 0.4% 0.3% 0.3% 1.3% 1.0% 0.3% 0.33%
Total Shareholder Return 4.1% 5.3% 6.6% 7.6% 7.1% 5.9% 5.8% 6.2% 5.0% 3.7% 4.1% 3.5% 2.8% 0.6% 1.1% 1.0% 1.0% 2.0% 1.5% 0.8% 0.76%
DuPont Factors
Metric Trend 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 0.73 0.73 0.74 0.73 0.73 0.72 0.72 0.71 0.73 0.71 0.73 0.73 0.73 0.74 0.72 0.72 0.71 0.71 0.71 0.715
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 0.27 0.33 0.33 0.35 0.36 0.37 0.36 0.30 0.24 0.18 0.14 0.12 0.11 0.11 0.10 0.11 0.11 0.12 0.14 0.16 0.155
Asset Turnover 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.062
Equity Multiplier 11.45 11.15 11.69 11.28 11.65 11.52 11.81 11.64 11.73 11.49 11.33 11.26 11.41 11.34 11.23 11.25 11.39 11.50 11.22 11.27 11.275
Per Share
Metric Trend 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) $2.32 $2.97 $3.00 $3.36 $3.72 $4.04 $4.33 $3.99 $3.38 $2.72 $2.20 $1.88 $1.83 $1.86 $1.79 $1.82 $1.93 $2.11 $2.47 $2.85 $2.85
Book Value/Share $28.17 $28.65 $27.63 $27.92 $27.99 $28.99 $30.39 $31.26 $31.04 $32.50 $32.71 $33.07 $34.33 $34.09 $34.91 $35.38 $36.10 $37.18 $39.37 $39.30 $124.86
Tangible Book/Share $25.61 $26.09 $25.07 $25.34 $25.40 $26.42 $27.81 $28.68 $28.47 $29.93 $30.14 $30.51 $31.77 $31.56 $32.41 $32.89 $33.62 $34.70 $36.91 $36.92 $36.92
Revenue/Share $11.63 $12.18 $12.41 $13.13 $14.02 $15.14 $16.81 $18.39 $19.88 $20.65 $21.36 $21.79 $22.14 $22.67 $23.02 $23.61 $24.20 $24.93 $25.61 $25.65 $21.03
FCF/Share $4.28 $3.75 $3.90 $4.81 $5.93 $6.28 $6.76 $4.92 $4.39 $3.72 $2.61 $2.35 $2.31 $3.55 $1.88 $2.47 $3.08 $1.61 $3.57 $5.82 $5.99
OCF/Share $4.48 $3.96 $4.02 $4.92 $6.11 $6.47 $6.95 $5.13 $4.56 $3.90 $2.82 $2.59 $2.60 $4.00 $2.48 $3.33 $3.97 $2.44 $4.26 $6.09 $6.27
Cash/Share $75.75 $49.48 $37.74 $38.11 $32.91 $40.51 $44.22 $39.39 $39.36 $41.10 $41.88 $51.01 $66.41 $24.84 $16.68 $60.85 $23.16 $44.22 $17.10 $41.77 $0.47
EBITDA/Share $3.43 $4.32 $4.36 $4.83 $5.35 $5.84 $6.27 $5.83 $5.01 $4.02 $3.36 $2.87 $2.77 $2.79 $2.67 $2.77 $2.95 $3.57 $4.10 $4.61 $4.61
Debt/Share $7.75 $7.79 $14.55 $8.20 $10.01 $28.88 $28.98 $35.23 $34.49 $30.81 $15.36 $9.90 $10.15 $10.04 $8.04 $7.98 $7.94 $14.69 $5.99 $6.45 $6.45
Net Debt/Share $-68.00 $-41.68 $-23.20 $-29.90 $-22.90 $-11.63 $-15.23 $-4.16 $-4.87 $-10.29 $-26.52 $-41.11 $-56.26 $-14.80 $-8.64 $-52.88 $-15.22 $-29.53 $-11.11 $-35.32 $-35.32
Academic Models
Metric Trend 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 — — — — — — — — — — — — — — — — — — — — 2.187
Altman Z-Prime snapshot only 0.977
Piotroski F-Score 7 8 7 8 6 6 6 6 6 5 6 7 8 7 6 7 7 8 8 8 8
Beneish M-Score -2.56 -2.52 1.94 -2.42 -2.55 -2.22 -2.70 -2.17 -1.81 -1.97 -1.76 -1.78 -2.22 -2.58 -2.50 -2.61 -2.41 -2.38 -2.33 -2.32 -2.324
Ohlson O-Score snapshot only -5.397
ROIC (Greenblatt) snapshot only 9.08%
Net-Net WC snapshot only $-354.65
EVA snapshot only $44674300.00
Credit
Metric Trend 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 68.70 64.12 51.89 72.46 75.47 55.39 57.11 54.73 50.78 47.69 47.31 49.46 46.50 59.40 39.63 59.91 57.88 45.16 63.95 64.49 64.490
Credit Grade snapshot only 8
Credit Trend snapshot only 4.578
Implied Spread (bps) snapshot only 225.000
Industry Credit Rank snapshot only 60
Sector Credit Rank snapshot only 52

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms