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PLBC NASDAQ

Plumas Bancorp
1W: +3.5% 1M: +6.4% 3M: +10.9% YTD: +26.8% 1Y: +31.6% 3Y: +71.7% 5Y: +99.3%
$55.36
+0.65 (+1.19%)
 
Weekly Expected Move ±2.7%
$51 $53 $54 $56 $57
NASDAQ · Financial Services · Banks - Regional · Alpha Radar Strong Buy · Power 75 · $385.8M mcap · 6M float · 0.756% daily turnover · Short 22% of daily vol
Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings
Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

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
56.3 / 100
NoneWeakNarrowWide
Primary source: Cost Advantage  ·  ROIC: -21.7%
Cost Advantage ★
76
Intangibles
62
Switching Cost
58
Network Effect
39
Scale
35
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. PLBC has a Narrow competitive edge (56.3/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. Negative ROIC of -21.7% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

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

Analyst Price Targets
$60
Low
$62
Avg Target
$63
High
Based on 2 analysts since Apr 15, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 3Hold: 0Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$61.50
Analysts2
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-04-16 Piper Sandler Matthew Clark $61 $63 +2 +18.9% $52.99
2026-04-16 Stephens Andrew Terrell Initiated $60 — +15.4% $51.99
2025-10-16 Piper Sandler — Initiated $61 — +42.5% $42.80

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-
Jun 09, 2026
DCF
5
ROE
4
ROA
4
D/E
2
P/E
3
P/B
2
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. PLBC receives an overall rating of A-. Strongest factors: DCF (5/5), ROE (4/5), ROA (4/5). Areas of concern: D/E (2/5), P/B (2/5).
Rating Change History
DateFromTo
2026-04-21 A A-
2026-04-17 B+ A
2026-04-16 A- B+
2026-04-15 A A-
2026-04-01 B+ A
2026-03-09 A- B+
2026-01-29 B+ A-
2026-01-26 B B+
2026-01-22 A- B
2026-01-03 B A-

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.

★ ★ ★ ★ ★ 50 Grade B
Profitability
73
Balance Sheet
62
Earnings Quality
60
Growth
66
Value
84
Momentum
74
Safety
90
Cash Flow
46
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. PLBC scores highest in Safety (90/100) and lowest in Cash Flow (46/100). 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
3.79
Safe Zone
Piotroski F-Score
5/9
✓ ✓ ✗ ✗ ✓ ✓ ✗ ✗ ✓
Beneish M-Score
-2.29
Unlikely Manipulator
Ohlson O-Score
-5.77
Bankruptcy prob: 0.3%
Low Risk
Credit Rating
AA
Score: 89.0/100
Trend: Deteriorating
Earnings Quality
50/100
OCF/NI: 0.73x
Accruals: 0.5%
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. PLBC scores 3.79, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. 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. PLBC scores 5/9, 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. PLBC's score of -2.29 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. PLBC's implied 0.3% 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. PLBC receives an estimated rating of AA (score: 89.0/100), 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). PLBC's score of 50/100 is moderate — some divergence between reported earnings and underlying cash flows.

Valuation

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

P/E
12.01x
PEG
-2.86x
P/S
3.20x
P/B
1.46x
P/FCF
15.54x
P/OCF
14.70x
EV/EBITDA
-1.45x
EV/Revenue
-0.53x
EV/EBIT
-1.50x
EV/FCF
-2.88x
Earnings Yield
9.33%
FCF Yield
6.43%
Shareholder Yield
2.98%
Graham Number
$61.49
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 12.0x earnings, PLBC trades at a reasonable valuation. An earnings yield of 9.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $61.49 per share, suggesting a potential 11% 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
0.753
NI / EBT
×
Interest Burden
1.000
EBT / EBIT
×
EBIT Margin
0.354
EBIT / Rev
×
Asset Turnover
0.062
Rev / Assets
×
Equity Multiplier
8.797
Assets / Equity
=
ROE
14.7%
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. PLBC's ROE of 14.7% is driven by financial leverage (equity multiplier: 8.80x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate
0.00%
Fair P/E
8.50x
Intrinsic Value
$38.70
Price/Value
1.26x
Margin of Safety
-26.16%
Premium
26.16%
Assessment
Overvalued
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with PLBC's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. PLBC trades at a 26% premium to its adjusted intrinsic value of $38.70, 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 12.0x.

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
$55.36
Median 1Y
$60.05
5th Pctile
$32.52
95th Pctile
$110.57
Ann. Volatility
35.0%
Analyst Target
$61.50
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

ExecutiveSalaryStockTotal
Andrew J. Ryback,
President and CEO of the Company and Plumas Bank
 $522,500 $— $867,331
Richard L. Belstock,
EVP and CFO of the Company and Plumas Bank
 $307,500 $— $476,338
BJ North, EVP
and Chief Banking Officer of Plumas Bank
 $293,000 $— $450,021

CEO Pay Ratio

Insufficient data for pay ratio.

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
—
-100.0% YoY
Revenue / Employee
—
Rev: $108,247,000
Profit / Employee
—
NI: $29,617,000
SGA / Employee
—
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 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
ROE 18.3% 21.4% 17.9% 19.0% 20.0% 20.6% 20.9% 22.4% 23.2% 23.8% 22.4% 21.3% 21.4% 21.3% 17.6% 18.2% 17.9% 16.2% 13.5% 14.7% 14.67%
ROA 1.7% 2.0% 1.5% 1.6% 1.7% 1.8% 1.6% 1.8% 1.8% 1.9% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8% 1.6% 1.5% 1.7% 1.67%
ROIC -7.2% -8.4% -4.0% -4.2% -4.5% -4.6% -5.5% -5.9% -6.1% -6.3% -9.6% -9.1% -9.2% -9.1% -10.2% -10.6% -10.4% -9.4% -20.0% -21.7% -21.72%
ROCE 20.3% 23.4% 19.7% 20.8% 21.8% 22.5% 27.6% 29.6% 30.6% 31.4% 15.8% 15.1% 15.2% 15.2% 16.9% 17.7% 17.4% 15.8% 1.8% 2.0% 2.00%
Gross Margin 95.8% 96.4% 96.4% 96.2% 95.8% 96.8% 96.6% 90.0% 88.5% 94.8% 90.9% -53.5% 84.2% 89.2% 90.7% 90.3% 85.6% 68.7% 84.6% 88.0% 87.96%
Operating Margin 51.8% 55.2% 47.1% 48.4% 47.0% 52.8% 53.2% 47.8% 44.1% 50.8% 46.6% 3.8% 39.9% 44.5% 45.5% 42.3% 37.7% 21.7% 41.9% 40.7% 40.72%
Net Margin 37.3% 41.7% 35.1% 36.0% 34.8% 39.1% 39.4% 35.3% 32.8% 37.5% 34.6% 2.8% 29.2% 32.6% 33.1% 30.3% 27.5% 16.1% 32.9% 30.2% 30.17%
EBITDA Margin 55.0% 58.1% 50.0% 51.3% 49.7% 55.5% 55.6% 49.6% 46.0% 52.9% 48.6% 4.0% 41.1% 46.2% 47.1% 43.8% 39.3% 25.0% 41.9% 40.7% 40.72%
FCF Margin 20.4% -4.3% -16.5% 4.8% 36.4% 72.4% 76.4% 61.7% 52.2% 50.6% 42.5% 47.5% 38.6% 30.8% 40.9% 29.9% 27.0% 21.9% 18.1% 18.4% 18.42%
OCF Margin 21.4% -3.5% -14.9% 9.8% 41.5% 77.6% 80.6% 64.1% 55.3% 53.4% 45.2% 49.9% 39.7% 31.9% 41.9% 30.6% 27.4% 23.0% 19.3% 19.5% 19.48%
ROE 3Y Avg snapshot only 16.07%
ROE 5Y Avg snapshot only 17.73%
ROA 3Y Avg snapshot only 1.67%
ROIC Economic snapshot only 7.92%
Cash ROA snapshot only 1.05%
NOPAT Margin snapshot only 26.69%
Pretax Margin snapshot only 35.43%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 28.63%
SBC / Revenue snapshot only 0.32%
Valuation
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
P/E Ratio 8.96 8.45 8.57 9.18 6.54 6.35 7.63 6.61 6.73 6.32 7.80 7.33 7.20 8.28 9.62 8.60 9.05 10.31 10.62 10.72 12.007
P/S Ratio 3.05 3.13 3.19 3.45 2.41 2.31 2.86 2.46 2.46 2.29 2.74 3.18 3.00 3.30 3.78 2.69 2.80 2.67 2.81 2.86 3.198
P/B Ratio 1.51 1.67 1.34 1.53 1.15 1.14 1.70 1.57 1.66 1.60 1.58 1.41 1.39 1.60 1.55 1.43 1.48 1.53 1.20 1.32 1.457
P/FCF 14.94 -72.69 -19.26 72.09 6.64 3.19 3.75 3.98 4.72 4.53 6.44 6.69 7.78 10.73 9.23 9.02 10.37 12.18 15.51 15.54 15.542
P/OCF 14.23 — — 34.99 5.81 2.97 3.55 3.83 4.45 4.29 6.06 6.38 7.56 10.33 9.03 8.81 10.18 11.60 14.57 14.70 14.699
EV/EBITDA -7.41 -5.88 -15.88 -14.30 -15.19 -14.71 -10.58 -10.26 -9.72 -9.67 -5.41 -6.26 -6.30 -5.58 -4.51 -4.84 -4.69 -4.84 -2.29 -1.45 -1.450
EV/Revenue -3.70 -3.14 -8.47 -7.65 -7.94 -7.62 -5.64 -5.40 -5.01 -4.93 -2.67 -3.82 -3.70 -3.14 -2.50 -2.16 -2.07 -1.82 -0.85 -0.53 -0.531
EV/EBIT -7.86 -6.23 -16.81 -15.14 -16.07 -15.55 -11.14 -10.75 -10.16 -10.07 -5.63 -6.54 -6.56 -5.81 -4.68 -5.01 -4.86 -5.12 -2.40 -1.50 -1.498
EV/FCF -18.13 73.05 51.21 -160.08 -21.82 -10.53 -7.38 -8.76 -9.61 -9.75 -6.28 -8.04 -9.60 -10.22 -6.12 -7.23 -7.68 -8.32 -4.68 -2.88 -2.881
Earnings Yield 11.2% 11.8% 11.7% 10.9% 15.3% 15.8% 13.1% 15.1% 14.9% 15.8% 12.8% 13.6% 13.9% 12.1% 10.4% 11.6% 11.1% 9.7% 9.4% 9.3% 9.33%
FCF Yield 6.7% -1.4% -5.2% 1.4% 15.1% 31.4% 26.7% 25.1% 21.2% 22.1% 15.5% 15.0% 12.9% 9.3% 10.8% 11.1% 9.6% 8.2% 6.4% 6.4% 6.43%
Price/Tangible Book snapshot only 1.530
EV/OCF snapshot only -2.725
EV/Gross Profit snapshot only -0.651
Acquirers Multiple snapshot only -1.498
Shareholder Yield snapshot only 2.98%
Graham Number snapshot only $61.49
Leverage & Solvency
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Current Ratio 0.38 0.38 0.49 0.49 0.49 0.49 0.45 0.45 0.45 0.45 0.42 0.42 0.42 0.42 0.37 0.37 0.37 0.37 16.11 16.11 16.110
Quick Ratio 0.38 0.38 0.49 0.49 0.49 0.49 0.45 0.45 0.45 0.45 0.42 0.42 0.42 0.42 0.37 0.37 0.37 0.37 16.11 16.11 16.110
Debt/Equity 0.29 0.29 0.21 0.21 0.21 0.21 0.24 0.24 0.24 0.24 0.79 0.79 0.79 0.79 0.35 0.35 0.35 0.35 0.57 0.57 0.566
Net Debt/Equity -3.35 -3.35 -4.91 -4.91 -4.91 -4.91 -5.04 -5.04 -5.04 -5.04 -3.11 -3.11 -3.11 -3.11 -2.57 -2.57 -2.57 -2.57 -1.57 -1.57 -1.568
Debt/Assets 0.03 0.03 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.07 0.07 0.07 0.07 0.04 0.04 0.04 0.04 0.07 0.07 0.066
Debt/EBITDA 1.18 1.02 0.91 0.87 0.83 0.80 0.77 0.72 0.70 0.68 2.77 2.90 2.89 2.90 1.53 1.47 1.49 1.61 3.57 3.35 3.349
Net Debt/EBITDA -13.51 -11.74 -21.85 -20.74 -19.80 -19.16 -15.95 -14.93 -14.49 -14.16 -10.96 -11.47 -11.41 -11.45 -11.31 -10.88 -11.02 -11.92 -9.89 -9.27 -9.270
Interest Coverage 22.03 24.48 25.08 25.42 25.82 27.37 28.58 24.15 17.35 12.33 8.38 5.69 4.54 3.78 3.67 4.02 4.08 3.17 2.85 2.66 2.662
Equity Multiplier 11.10 11.10 12.04 12.04 12.04 12.04 13.62 13.62 13.62 13.62 10.93 10.93 10.93 10.93 9.12 9.12 9.12 9.12 8.57 8.57 8.574
Cash Ratio snapshot only 5.694
Debt Service Coverage snapshot only 2.751
Cash to Debt snapshot only 3.768
FCF to Debt snapshot only 0.150
Defensive Interval snapshot only 13486.0 days
Efficiency & Turnover
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Asset Turnover 0.05 0.05 0.04 0.04 0.05 0.05 0.04 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.05 0.06 0.06 0.06 0.06 0.06 0.062
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover (trade) 3.04 3.27 2.41 2.53 2.71 2.83 1.86 2.01 2.12 2.19 3.61 2.79 2.91 3.03 — — — — 0.15 0.16 0.161
Payables Turnover 0.37 0.31 0.21 0.21 0.22 0.23 0.18 0.29 0.40 0.44 0.99 1.15 1.33 1.52 — — — — 0.02 0.02 0.023
DSO (trade) 120 111 152 144 135 129 196 181 172 167 101 131 125 121 0 0 0 0 2438 2263 2263.1 days
DIO 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0 days
DPO 976 1187 1748 1772 1635 1621 2055 1274 910 835 369 317 275 240 0 0 0 0 16795 15594 15593.6 days
Cash Conversion Cycle (trade) -855 -1075 -1597 -1627 -1500 -1492 -1859 -1092 -737 -669 -268 -186 -150 -119 0 0 0 0 -14357 -13330 -13330.4 days
Fixed Asset Turnover snapshot only 4.944
Cash Velocity snapshot only 0.216
Capital Intensity snapshot only 18.558
Growth (YoY)
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Revenue 5.3% 14.1% 18.8% 21.8% 28.2% 24.1% 24.8% 28.4% 26.0% 24.9% 20.4% -14.0% -14.6% -14.1% -14.2% 44.1% 37.5% 43.3% 53.7% 27.8% 27.80%
Net Income 17.5% 40.6% 45.1% 42.9% 38.9% 21.9% 25.9% 27.2% 24.9% 24.6% 12.6% 0.2% -2.7% -5.6% -3.9% 4.0% 1.9% -7.0% 3.5% 9.0% 8.99%
EPS 16.4% 25.0% 28.7% 26.8% 24.1% 21.7% 25.6% 26.8% 24.5% 23.9% 12.2% 0.1% -3.0% -6.2% -4.8% 3.0% 0.9% -12.7% -11.8% -7.5% -7.52%
FCF -54.8% -1.1% -1.4% -88.6% 1.3% 21.9% 6.8% 15.6% 80.6% -12.6% -33.1% -33.8% -36.9% -47.8% -17.3% -9.5% -3.9% 2.0% -32.0% -21.2% -21.19%
EBITDA 16.6% 37.3% 41.0% 38.1% 34.1% 20.4% 24.6% 26.3% 24.3% 23.1% 11.5% -0.3% -2.7% -5.3% -3.3% 5.2% 3.3% -4.1% 2.2% 5.0% 4.96%
Op. Income 17.9% 39.2% 42.8% 39.3% 34.4% 20.4% 25.2% 27.6% 25.9% 24.9% 12.7% -0.1% -2.4% -5.2% -3.0% 6.3% 3.7% -5.8% 1.5% 5.1% 5.11%
OCF Growth snapshot only -18.57%
Asset Growth snapshot only 37.90%
Equity Growth snapshot only 46.75%
Debt Growth snapshot only 1.39%
Shares Change snapshot only 17.84%
Dividend Growth snapshot only 26.05%
Growth (CAGR)
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Revenue 3Y 7.7% 9.0% 9.5% 10.0% 11.7% 12.4% 14.0% 16.9% 19.4% 20.9% 21.3% 10.4% 11.3% 10.0% 8.8% 16.7% 13.9% 15.4% 16.7% 16.5% 16.54%
Revenue 5Y 9.7% 11.0% 11.6% 11.9% 12.6% 12.8% 13.7% 14.5% 15.1% 15.0% 14.5% 8.0% 8.4% 8.8% 8.9% 14.6% 14.8% 16.8% 18.7% 19.9% 19.86%
EPS 3Y 17.5% 15.0% 9.9% 10.6% 11.7% 12.1% 14.7% 18.5% 21.6% 23.5% 21.9% 17.2% 14.4% 12.3% 10.3% 9.4% 6.8% 0.5% -2.0% -1.6% -1.56%
EPS 5Y 19.4% 19.3% 19.5% 19.5% 18.9% 18.3% 23.2% 21.5% 20.2% 18.0% 13.3% 11.4% 11.0% 10.3% 10.0% 11.4% 12.0% 9.1% 8.8% 8.9% 8.92%
Net Income 3Y 17.9% 19.6% 14.5% 15.3% 16.4% 16.7% 19.5% 23.6% 26.8% 28.8% 27.2% 22.1% 19.1% 12.8% 10.9% 9.9% 7.4% 3.0% 3.8% 4.3% 4.33%
Net Income 5Y 20.5% 23.0% 23.0% 22.8% 22.1% 21.4% 26.4% 24.7% 23.3% 21.1% 16.3% 14.3% 13.9% 13.3% 13.0% 14.5% 15.1% 13.4% 15.4% 15.6% 15.60%
EBITDA 3Y 10.9% 13.9% 14.4% 14.6% 15.2% 15.6% 18.2% 22.1% 24.8% 26.7% 25.1% 20.2% 17.5% 11.9% 10.3% 9.8% 7.7% 3.8% 3.3% 3.2% 3.24%
EBITDA 5Y 15.8% 17.9% 17.8% 17.8% 17.0% 16.6% 17.8% 17.8% 17.8% 17.0% 15.7% 13.6% 13.1% 12.5% 12.2% 13.8% 14.3% 13.1% 14.1% 13.9% 13.93%
Gross Profit 3Y 7.2% 9.1% 9.9% 10.9% 12.5% 13.4% 15.3% 17.8% 20.3% 22.1% 21.5% 8.1% 7.6% 5.2% 4.0% 13.5% 11.0% 9.6% 10.3% 10.9% 10.88%
Gross Profit 5Y 9.8% 11.3% 12.0% 12.3% 12.9% 13.1% 13.8% 14.2% 14.4% 14.3% 13.6% 6.2% 6.3% 6.3% 6.6% 13.6% 14.4% 14.9% 16.2% 17.0% 16.99%
Op. Income 3Y 10.8% 13.8% 14.2% 14.6% 15.4% 15.9% 18.6% 22.8% 25.9% 27.9% 26.3% 21.1% 18.2% 12.5% 11.0% 10.6% 8.4% 3.7% 3.5% 3.7% 3.72%
Op. Income 5Y 16.6% 18.7% 18.4% 18.3% 17.4% 16.9% 18.1% 18.1% 18.1% 17.3% 16.0% 13.9% 13.5% 13.0% 12.8% 14.5% 15.1% 13.3% 14.7% 14.7% 14.67%
FCF 3Y 6.9% — — -43.4% 11.0% 49.9% 56.4% 49.4% 23.1% 32.9% 16.1% 7.9% 37.6% — — 1.1% 3.1% -22.5% -27.8% -22.1% -22.11%
FCF 5Y -0.3% — — -18.0% 20.4% 37.5% 37.5% 27.5% 38.2% 28.8% 25.1% 14.8% 9.3% 9.0% 16.2% 14.8% 2.5% 4.6% -2.5% -2.2% -2.20%
OCF 3Y -2.7% — — -33.2% 12.7% 47.4% 54.3% 46.0% 22.0% 31.3% 15.9% 7.8% 36.7% — — 70.2% -0.8% -23.1% -27.6% -21.7% -21.66%
OCF 5Y -2.6% — — -6.3% 22.6% 38.4% 37.7% 27.7% 30.8% 23.8% 19.6% 10.7% 8.0% 7.2% 14.5% 12.9% 1.1% 3.7% -2.6% -2.1% -2.07%
Assets 3Y 14.2% 14.2% 25.1% 25.1% 25.1% 25.1% 23.3% 23.3% 23.3% 23.3% 13.2% 13.2% 13.2% 13.2% 0.2% 0.2% 0.2% 0.2% 11.4% 11.4% 11.36%
Assets 5Y 13.2% 13.2% 19.7% 19.7% 19.7% 19.7% 16.8% 16.8% 16.8% 16.8% 14.3% 14.3% 14.3% 14.3% 13.4% 13.4% 13.4% 13.4% 15.0% 15.0% 15.03%
Equity 3Y 21.6% 21.6% 26.1% 26.1% 26.1% 26.1% 12.1% 12.1% 12.1% 12.1% 13.7% 13.7% 13.7% 13.7% 9.9% 9.9% 9.9% 9.9% 29.9% 29.9% 29.94%
Book Value 3Y 21.2% 16.9% 21.0% 20.9% 21.0% 21.1% 7.6% 7.4% 7.5% 7.5% 9.0% 9.1% 9.3% 13.2% 9.3% 9.4% 9.3% 7.2% 22.6% 22.6% 22.59%
Dividend 3Y 13.8% 1.8% 13.5% 3.8% 4.7% 3.5% 2.4% 4.6% 6.6% 9.1% 11.4% 7.4% 4.2% 4.9% 2.2% 2.6% 2.7% 2.4% 0.7% 1.9% 1.92%
Growth Quality
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Revenue Stability 0.97 0.97 0.95 0.94 0.89 0.90 0.89 0.86 0.85 0.87 0.88 0.73 0.72 0.75 0.76 0.78 0.81 0.82 0.79 0.84 0.835
Earnings Stability 0.94 0.93 0.88 0.90 0.90 0.92 0.89 0.89 0.90 0.92 0.89 0.89 0.89 0.89 0.88 0.89 0.86 0.70 0.80 0.85 0.852
Margin Stability 0.98 0.98 0.98 0.98 0.98 0.97 0.97 0.98 0.98 0.97 0.97 0.96 0.95 0.94 0.94 0.96 0.95 0.93 0.93 0.94 0.943
Rev. Growth Consistency 1.00 1.00 0.50 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 1.00 1.000
Earn. Growth Consistency 0.50 0.50 0.50 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0.00 0.00 0.00 1.00 0.50 0.00 0.50 1.00 1.000
FCF Positive Streak 1 0 0 1 1 0 0 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Earnings Persistence 0.93 0.84 0.82 0.83 0.84 0.91 0.90 0.89 0.90 0.90 0.95 1.00 0.99 0.98 0.98 0.98 0.99 0.97 0.99 0.96 0.964
Earnings Smoothness 0.84 0.66 0.63 0.65 0.67 0.80 0.77 0.76 0.78 0.78 0.88 1.00 0.97 0.94 0.96 0.96 0.98 0.93 0.97 0.91 0.914
ROE Trend -0.03 0.00 -0.01 -0.00 0.01 -0.00 0.07 0.08 0.07 0.06 0.01 -0.01 -0.02 -0.02 -0.05 -0.05 -0.06 -0.07 -0.07 -0.06 -0.056
Gross Margin Trend 0.02 0.04 0.04 0.04 0.04 0.04 0.03 0.00 -0.02 -0.04 -0.05 -0.09 -0.09 -0.11 -0.10 -0.02 -0.00 -0.05 -0.06 -0.06 -0.061
FCF Margin Trend -0.22 -0.39 -0.56 -0.35 0.02 0.55 0.60 0.34 0.24 0.17 0.13 0.14 -0.06 -0.31 -0.18 -0.25 -0.18 -0.19 -0.24 -0.20 -0.203
Sustainable Growth Rate 15.4% 18.3% 15.3% 16.2% 17.1% 17.5% 17.9% 19.0% 19.4% 19.6% 18.0% 16.8% 16.8% 16.6% 13.7% 14.1% 13.7% 11.8% 10.0% 10.9% 10.91%
Internal Growth Rate 1.5% 1.7% 1.3% 1.4% 1.5% 1.5% 1.4% 1.5% 1.5% 1.6% 1.5% 1.4% 1.4% 1.4% 1.4% 1.4% 1.4% 1.2% 1.1% 1.3% 1.26%
Cash Flow Quality
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
OCF/Net Income 0.63 -0.09 -0.40 0.26 1.13 2.13 2.15 1.72 1.51 1.47 1.29 1.15 0.95 0.80 1.07 0.98 0.89 0.89 0.73 0.73 0.730
FCF/OCF 0.95 1.23 1.11 0.49 0.88 0.93 0.95 0.96 0.94 0.95 0.94 0.95 0.97 0.96 0.98 0.98 0.98 0.95 0.94 0.95 0.946
FCF/Net Income snapshot only 0.690
OCF/EBITDA snapshot only 0.532
CapEx/Revenue 1.0% 0.8% 1.6% 5.1% 5.1% 5.2% 4.3% 2.4% 3.1% 2.8% 2.7% 2.3% 1.1% 1.2% 0.9% 0.7% 0.5% 1.1% 1.2% 1.1% 1.06%
CapEx/Depreciation snapshot only 0.896
Accruals Ratio 0.01 0.02 0.02 0.01 -0.00 -0.02 -0.02 -0.01 -0.01 -0.01 -0.01 -0.00 0.00 0.00 -0.00 0.00 0.00 0.00 0.00 0.00 0.005
Sloan Accruals snapshot only 1.217
Cash Flow Adequacy snapshot only 2.465
Earnings Quality Score snapshot only 0.500
Dividends & Buybacks
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Dividend Yield 1.8% 1.7% 1.7% 1.6% 2.3% 2.4% 1.9% 2.3% 2.4% 2.8% 2.5% 2.9% 3.0% 2.7% 2.3% 2.6% 2.6% 2.7% 2.5% 2.4% 2.28%
Dividend/Share $0.51 $0.49 $0.52 $0.56 $0.59 $0.61 $0.63 $0.72 $0.81 $0.90 $0.99 $1.01 $1.03 $1.05 $1.06 $1.09 $1.12 $1.14 $1.10 $1.17 $1.26
Payout Ratio 16.0% 14.6% 14.7% 14.7% 14.9% 15.0% 14.1% 15.1% 16.4% 17.7% 19.7% 21.1% 21.4% 22.0% 22.2% 22.2% 23.2% 27.4% 26.1% 25.6% 25.63%
FCF Payout Ratio 26.6% — — 1.2% 15.1% 7.5% 6.9% 9.1% 11.5% 12.7% 16.3% 19.2% 23.2% 28.5% 21.3% 23.2% 26.5% 32.3% 38.1% 37.2% 37.15%
Total Payout Ratio 16.0% 14.6% 14.7% 14.7% 14.9% 15.0% 14.1% 15.1% 16.4% 17.7% 19.7% 21.1% 21.4% 22.0% 22.2% 22.2% 23.2% 27.4% 26.1% 31.9% 31.93%
Div. Increase Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Chowder Number 0.51 0.21 0.67 0.28 0.32 0.27 0.23 0.32 0.40 0.50 0.59 0.43 0.30 0.20 0.11 0.12 0.13 0.18 0.24 0.28 0.284
Buyback Yield 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.6% 0.59%
Net Buyback Yield 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -0.1% -0.2% -0.3% -0.4% -0.0% -0.04%
Total Shareholder Return 1.8% 1.7% 1.7% 1.6% 2.3% 2.4% 1.9% 2.3% 2.4% 2.8% 2.5% 2.9% 3.0% 2.7% 2.3% 2.4% 2.3% 2.3% 2.1% 2.4% 2.35%
DuPont Factors
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Tax Burden (NI/EBT) 0.72 0.73 0.74 0.74 0.75 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.73 0.73 0.73 0.73 0.75 0.75 0.753
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 0.50 0.50 0.51 0.49 0.49 0.51 0.50 0.49 0.49 0.47 0.58 0.56 0.54 0.54 0.43 0.43 0.36 0.35 0.35 0.354
Asset Turnover 0.05 0.05 0.04 0.04 0.05 0.05 0.04 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.05 0.06 0.06 0.06 0.06 0.06 0.062
Equity Multiplier 10.70 10.70 11.64 11.64 11.64 11.64 12.78 12.78 12.78 12.78 12.13 12.13 12.13 12.13 9.94 9.94 9.94 9.94 8.80 8.80 8.797
Per Share
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
EPS (Diluted TTM) $3.20 $3.36 $3.56 $3.76 $3.97 $4.09 $4.47 $4.77 $4.95 $5.07 $5.01 $4.78 $4.80 $4.76 $4.77 $4.92 $4.84 $4.15 $4.21 $4.55 $4.55
Book Value/Share $18.97 $17.02 $22.72 $22.65 $22.69 $22.75 $20.12 $20.03 $20.07 $20.06 $24.80 $24.78 $24.78 $24.68 $29.67 $29.64 $29.62 $28.00 $37.11 $36.91 $38.00
Tangible Book/Share $18.97 $17.02 $21.79 $21.72 $21.76 $21.81 $19.19 $19.11 $19.14 $19.13 $23.87 $23.85 $23.85 $23.76 $28.76 $28.72 $28.70 $27.14 $32.09 $31.92 $31.92
Revenue/Share $9.41 $9.09 $9.57 $10.03 $10.77 $11.26 $11.92 $12.83 $13.53 $13.98 $14.29 $11.02 $11.52 $11.93 $12.15 $15.73 $15.67 $16.07 $15.92 $17.05 $17.27
FCF/Share $1.92 $-0.39 $-1.58 $0.48 $3.92 $8.15 $9.10 $7.92 $7.05 $7.08 $6.07 $5.24 $4.44 $3.67 $4.98 $4.70 $4.23 $3.52 $2.88 $3.14 $3.18
OCF/Share $2.02 $-0.32 $-1.43 $0.99 $4.47 $8.74 $9.62 $8.23 $7.48 $7.46 $6.45 $5.49 $4.57 $3.81 $5.09 $4.81 $4.30 $3.69 $3.07 $3.32 $3.36
Cash/Share $69.04 $61.94 $116.34 $115.96 $116.18 $116.45 $106.17 $105.75 $105.94 $105.89 $96.77 $96.68 $96.68 $96.32 $86.70 $86.60 $86.54 $81.81 $79.19 $78.78 $76.26
EBITDA/Share $4.70 $4.85 $5.11 $5.37 $5.63 $5.83 $6.35 $6.76 $6.97 $7.13 $7.05 $6.73 $6.77 $6.71 $6.76 $7.01 $6.92 $6.05 $5.88 $6.24 $6.24
Debt/Share $5.53 $4.96 $4.68 $4.66 $4.67 $4.68 $4.89 $4.87 $4.88 $4.88 $19.54 $19.52 $19.52 $19.45 $10.31 $10.30 $10.30 $9.73 $21.02 $20.91 $20.91
Net Debt/Share $-63.51 $-56.98 $-111.66 $-111.30 $-111.51 $-111.77 $-101.28 $-100.87 $-101.06 $-101.01 $-77.24 $-77.16 $-77.16 $-76.87 $-76.38 $-76.29 $-76.24 $-72.08 $-58.17 $-57.87 $-57.87
Academic Models
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Altman-B Score — — — — — — — — — — — — — — — — — — — — 3.786
Altman Z-Prime snapshot only 4.930
Piotroski F-Score 6 5 5 6 7 7 7 6 6 6 5 4 2 2 4 6 6 4 5 5 5
Beneish M-Score -2.20 -2.10 -1.85 -1.94 -2.02 -2.07 -1.99 -1.94 -1.94 -1.97 -3.30 -7.18 -3.19 -3.19 -2.40 5.55 -2.48 -2.00 -2.20 -2.29 -2.292
Ohlson O-Score snapshot only -5.774
ROIC (Greenblatt) snapshot only 2.84%
Net-Net WC snapshot only $-56.69
Credit
Metric Trend Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Current
Credit Rating snapshot only AA
Credit Score 86.84 66.36 70.46 76.57 94.91 95.06 90.90 90.93 90.65 90.85 90.13 80.53 79.64 78.76 93.31 93.51 93.35 92.82 88.69 89.03 89.035
Credit Grade snapshot only 3
Credit Trend snapshot only -4.473
Implied Spread (bps) snapshot only 80.000
Industry Credit Rank snapshot only 92
Sector Credit Rank snapshot only 84

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