— Know what they know.
/
Not Investment Advice

RRBI NASDAQ

Red River Bancshares, Inc.
1W: +2.6% 1M: -2.9% 3M: +1.9% YTD: +30.3% 1Y: +63.8% 3Y: +109.7% 5Y: +70.0%
$90.70
-0.41 (-0.45%)
 
Weekly Expected Move ±3.5%
$83 $86 $89 $92 $95
NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 56 · $597.2M mcap · 5M float · 1.42% daily turnover · Short 56% 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
55.0 / 100
NoneWeakNarrowWide
Primary source: Intangible Assets  ·  ROIC: -14.5%
Cost Advantage
53
Intangibles
65
Switching Cost
59
Network Effect
54
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. RRBI has a Narrow competitive edge (55.0/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. Negative ROIC of -14.5% 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
$94
Low
$98
Avg Target
$101
High
Based on 2 analysts since Apr 30, 2026 earnings
Analyst Recommendations
Strong Buy: 0Buy: 2Hold: 1Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$97.50
Analysts2
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-05-05 Stephens — $101 $94 -7 +6.2% $88.52
2026-05-01 Stephens Matt Olney Initiated $101 — +10.5% $91.40

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-
May 22, 2026
DCF
4
ROE
4
ROA
4
D/E
4
P/E
2
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. RRBI receives an overall rating of A-. Strongest factors: DCF (4/5), ROE (4/5), ROA (4/5), D/E (4/5). Areas of concern: P/E (2/5), P/B (2/5).
Rating Change History
DateFromTo
2026-05-20 B+ A-
2026-05-18 A- B+
2026-05-04 B+ A-
2026-04-30 A- B+
2026-04-01 B+ A-
2026-03-30 A- B+
2026-03-10 B+ A-
2026-03-09 A- B+
2026-03-06 B+ A-
2026-03-05 A- 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.

★ ★ ★ ★ ★ 63 Grade A+
Profitability
72
Balance Sheet
64
Earnings Quality
88
Growth
60
Value
80
Momentum
82
Safety
90
Cash Flow
85
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. RRBI scores highest in Safety (90/100) and lowest in Growth (60/100). An overall grade of A+ places RRBI 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
3.61
Safe Zone
Piotroski F-Score
9/9
✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Beneish M-Score
-2.46
Unlikely Manipulator
Ohlson O-Score
-5.28
Bankruptcy prob: 0.5%
Low Risk
Credit Rating
AA+
Score: 92.0/100
Trend: Improving
Earnings Quality
100/100
OCF/NI: 1.08x
Accruals: -0.1%
The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. RRBI scores 3.61, 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. RRBI scores 9/9, 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. RRBI's score of -2.46 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. RRBI'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. RRBI receives an estimated rating of AA+ (score: 92.0/100), 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). RRBI'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
13.44x
PEG
0.53x
P/S
3.48x
P/B
1.60x
P/FCF
13.73x
P/OCF
12.51x
EV/EBITDA
-1.29x
EV/Revenue
-0.43x
EV/EBIT
-1.33x
EV/FCF
-1.69x
Earnings Yield
7.43%
FCF Yield
7.28%
Shareholder Yield
2.59%
Graham Number
$91.37
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, RRBI trades at a reasonable valuation. An earnings yield of 7.4% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $91.37 per share, suggesting a potential 1% 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
0.804
NI / EBT
×
Interest Burden
1.000
EBT / EBIT
×
EBIT Margin
0.322
EBIT / Rev
×
Asset Turnover
0.053
Rev / Assets
×
Equity Multiplier
9.491
Assets / Equity
=
ROE
13.0%
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. RRBI's ROE of 13.0% is driven by financial leverage (equity multiplier: 9.49x). 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
7.30%
Fair P/E
23.09x
Intrinsic Value
$155.08
Price/Value
0.58x
Margin of Safety
41.68%
Premium
-41.68%
Assessment
Undervalued
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with RRBI's realized 7.3% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $155.08, RRBI appears undervalued with a 42% margin of safety. The adjusted fair P/E of 23.1x 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 1774 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$90.70
Median 1Y
$92.82
5th Pctile
$51.46
95th Pctile
$167.31
Ann. Volatility
36.5%
Analyst Target
$97.50
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
R. Blake Chatelain
President Chief Executive Officer
 $571,006 $26,005 $1,132,306
Tammi R. Salazar
Senior Executive Vice President — Chief Operating Officer
 $340,175 $52,010 $635,324
Bryon C. Salazar
Senior Executive Vice President — Chief Banking Officer
 $330,235 $52,010 $614,184
Isabel V. Carriere
Senior Executive Vice President Chief Financial Officer
 $256,188 $52,010 $501,954

CEO Pay Ratio

9:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $1,132,306
Avg Employee Cost (SGA/emp): $130,259
Employees: 375

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
375
+1.6% YoY
Revenue / Employee
$452,933
Rev: $169,850,000
Profit / Employee
$114,037
NI: $42,764,000
SGA / Employee
$130,259
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 11.5% 11.8% 11.3% 11.1% 11.4% 12.1% 13.1% 13.9% 13.8% 13.0% 12.2% 11.8% 11.4% 11.7% 11.0% 11.7% 12.4% 13.0% 12.5% 13.0% 12.96%
ROA 1.3% 1.4% 1.1% 1.1% 1.1% 1.2% 1.2% 1.2% 1.2% 1.2% 1.1% 1.1% 1.0% 1.1% 1.1% 1.2% 1.2% 1.3% 1.3% 1.4% 1.37%
ROIC -4.7% -4.8% -2.9% -2.8% -2.9% -3.1% -5.9% -6.3% -6.3% -5.9% -6.1% -5.9% -5.7% -5.8% 95.7% 1.0% 1.1% 1.1% -14.0% -14.5% -14.49%
ROCE 13.0% 13.3% 13.3% 13.0% 13.4% 14.2% 16.7% 17.7% 17.6% 16.7% 13.5% 13.0% 12.6% 12.9% 12.6% 13.4% 14.2% 15.0% 1.6% 1.6% 1.65%
Gross Margin 93.8% 94.0% 94.3% 94.1% 94.1% 91.9% 87.1% 84.9% 78.8% 72.6% 70.3% 68.6% 68.3% 68.2% 69.6% 71.6% 72.3% 72.2% 73.5% 73.7% 73.70%
Operating Margin 40.7% 40.1% 40.3% 36.7% 41.5% 41.6% 39.7% 36.9% 32.4% 27.7% 27.6% 26.7% 25.7% 27.0% 28.6% 31.3% 31.0% 31.2% 32.1% 34.2% 34.18%
Net Margin 33.1% 32.9% 33.4% 30.4% 33.7% 34.4% 32.4% 30.1% 26.2% 22.5% 22.4% 21.6% 20.8% 21.9% 23.1% 25.2% 24.8% 25.2% 25.9% 27.4% 27.39%
EBITDA Margin 43.2% 42.6% 42.9% 39.5% 43.8% 43.8% 41.8% 39.2% 34.2% 29.6% 29.6% 28.6% 27.7% 29.2% 30.9% 33.4% 33.1% 33.4% 32.1% 34.2% 34.18%
FCF Margin 29.1% 48.5% 58.4% 41.3% 37.3% 37.3% 33.3% 36.5% 31.5% 27.6% 25.4% 25.2% 23.0% 25.2% 21.3% 21.1% 22.0% 21.0% 25.0% 25.3% 25.35%
OCF Margin 36.8% 53.3% 61.8% 47.3% 44.4% 44.6% 40.8% 42.0% 35.9% 32.0% 28.9% 28.5% 26.2% 27.6% 24.4% 23.6% 24.1% 23.2% 26.5% 27.8% 27.83%
ROE 3Y Avg snapshot only 11.52%
ROE 5Y Avg snapshot only 12.02%
ROA 3Y Avg snapshot only 1.18%
ROIC Economic snapshot only 12.22%
Cash ROA snapshot only 1.43%
NOPAT Margin snapshot only 25.85%
Pretax Margin snapshot only 32.16%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 27.03%
SBC / Revenue snapshot only 0.23%
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 11.62 11.14 11.44 11.49 11.43 9.86 9.73 8.66 8.90 8.81 11.31 10.36 10.09 10.64 10.65 9.58 10.24 10.57 11.03 13.47 13.441
P/S Ratio 3.50 3.47 3.74 3.73 3.73 3.26 3.19 2.82 2.73 2.43 2.84 2.40 2.20 2.30 2.33 2.18 2.43 2.60 2.79 3.48 3.478
P/B Ratio 1.26 1.24 1.26 1.24 1.27 1.16 1.35 1.28 1.30 1.22 1.30 1.14 1.08 1.16 1.14 1.09 1.24 1.34 1.29 1.64 1.598
P/FCF 12.01 7.15 6.41 9.04 9.99 8.75 9.60 7.74 8.66 8.83 11.21 9.51 9.54 9.14 10.92 10.35 11.05 12.41 11.18 13.73 13.732
P/OCF 9.51 6.51 6.05 7.88 8.41 7.31 7.83 6.73 7.60 7.62 9.83 8.42 8.40 8.35 9.53 9.23 10.09 11.22 10.53 12.51 12.505
EV/EBITDA -14.54 -14.29 -24.95 -25.57 -24.67 -24.08 -11.12 -10.89 -10.78 -11.78 -10.45 -11.91 -12.65 -11.76 1.77 1.34 2.17 2.70 -3.58 -1.29 -1.293
EV/Revenue -5.69 -5.78 -10.55 -10.76 -10.43 -10.26 -4.71 -4.58 -4.26 -4.24 -3.44 -3.63 -3.65 -3.38 0.51 0.41 0.69 0.88 -1.18 -0.43 -0.429
EV/EBIT -15.51 -15.23 -26.54 -27.26 -26.25 -25.53 -11.77 -11.49 -11.38 -12.49 -11.11 -12.71 -13.56 -12.63 1.90 1.44 2.32 2.88 -3.76 -1.33 -1.335
EV/FCF -19.53 -11.91 -18.07 -26.07 -27.94 -27.52 -14.14 -12.56 -13.53 -15.37 -13.56 -14.40 -15.84 -13.40 2.42 1.92 3.11 4.20 -4.73 -1.69 -1.693
Earnings Yield 8.6% 9.0% 8.7% 8.7% 8.7% 10.1% 10.3% 11.5% 11.2% 11.3% 8.8% 9.6% 9.9% 9.4% 9.4% 10.4% 9.8% 9.5% 9.1% 7.4% 7.43%
FCF Yield 8.3% 14.0% 15.6% 11.1% 10.0% 11.4% 10.4% 12.9% 11.6% 11.3% 8.9% 10.5% 10.5% 10.9% 9.2% 9.7% 9.1% 8.1% 8.9% 7.3% 7.28%
PEG Ratio snapshot only 0.528
Price/Tangible Book snapshot only 1.644
EV/OCF snapshot only -1.542
EV/Gross Profit snapshot only -0.589
Acquirers Multiple snapshot only -1.335
Shareholder Yield snapshot only 2.59%
Graham Number snapshot only $91.37
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 0.40 0.40 0.50 0.50 0.50 0.50 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.11 0.11 0.11 0.11 443.09 443.09 443.087
Quick Ratio 0.40 0.40 0.50 0.50 0.50 0.50 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.32 0.11 0.11 0.11 0.11 443.09 443.09 443.087
Debt/Equity 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.00 0.00 0.004
Net Debt/Equity -3.30 -3.30 -4.83 -4.83 -4.83 -4.83 -3.34 -3.34 -3.34 -3.34 -2.87 -2.87 -2.87 -2.87 -0.89 -0.89 -0.89 -0.89 -1.84 -1.84 -1.839
Debt/Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000
Debt/EBITDA 0.11 0.10 0.09 0.09 0.09 0.08 0.09 0.08 0.08 0.09 0.08 0.09 0.09 0.09 0.06 0.06 0.06 0.05 0.03 0.03 0.027
Net Debt/EBITDA -23.48 -22.87 -33.80 -34.43 -33.50 -31.73 -18.67 -17.60 -17.67 -18.54 -19.08 -19.79 -20.28 -19.77 -6.23 -5.86 -5.52 -5.26 -12.04 -11.78 -11.777
Interest Coverage 5.52 6.25 7.13 7.39 7.68 7.47 5.81 4.24 2.82 1.83 1.34 1.06 0.91 0.88 0.88 0.95 1.03 1.11 1.20 1.26 1.259
Equity Multiplier 9.26 9.26 10.82 10.82 10.82 10.82 11.60 11.60 11.60 11.60 10.30 10.30 10.30 10.30 9.85 9.85 9.85 9.85 9.18 9.18 9.177
Cash Ratio snapshot only 435.878
Debt Service Coverage snapshot only 1.300
Cash to Debt snapshot only 435.878
FCF to Debt snapshot only 28.193
Defensive Interval snapshot only 3565.5 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 0.04 0.04 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.053
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 16.88 16.78 15.36 15.15 15.50 16.24 14.92 15.93 16.86 17.66 14.77 15.42 15.88 16.34 15.68 15.99 16.24 16.52 15.96 16.22 16.216
Payables Turnover 6.34 5.31 4.87 3.83 3.87 4.46 6.60 8.96 12.91 18.05 6.87 8.36 9.39 10.01 6.30 6.27 6.16 6.05 6.80 6.78 6.779
DSO 22 22 24 24 24 22 24 23 22 21 25 24 23 22 23 23 22 22 23 23 22.5 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 58 69 75 95 94 82 55 41 28 20 53 44 39 36 58 58 59 60 54 54 53.8 days
Cash Conversion Cycle -36 -47 -51 -71 -71 -59 -31 -18 -7 0 -28 -20 -16 -14 -35 -35 -37 -38 -31 -31 -31.3 days
Fixed Asset Turnover snapshot only 2.826
Cash Velocity snapshot only 0.255
Capital Intensity snapshot only 19.513
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 9.8% 6.3% 1.3% -2.7% -0.7% 4.7% 11.6% 20.8% 24.9% 25.0% 23.3% 20.6% 17.3% 15.2% 13.0% 10.4% 8.9% 7.7% 7.9% 7.5% 7.46%
Net Income 13.5% 14.8% 17.1% 9.6% 7.6% 11.1% 12.0% 21.2% 17.3% 4.4% -5.5% -14.4% -16.6% -9.7% -1.8% 8.8% 18.8% 22.4% 24.9% 21.9% 21.93%
EPS 13.9% 15.5% 18.6% 11.7% 9.4% 12.6% 12.8% 21.2% 17.4% 4.6% -4.8% -12.9% -13.2% -5.6% 2.9% 13.1% 21.5% 26.6% 28.9% 25.4% 25.40%
FCF 15.0% 4.4% 9.2% 96.4% 27.2% -19.6% -36.4% 6.7% 5.4% -7.5% -6.0% -16.7% -14.2% 5.4% -5.1% -7.6% 4.2% -10.5% 26.4% 29.2% 29.19%
EBITDA 11.8% 13.5% 15.5% 9.2% 7.3% 10.3% 11.7% 20.7% 17.0% 5.6% -4.0% -12.7% -14.5% -8.0% -0.2% 10.0% 19.5% 22.5% 22.3% 17.7% 17.69%
Op. Income 12.7% 14.0% 16.2% 9.4% 7.5% 10.8% 12.3% 21.9% 17.9% 5.6% -4.5% -13.6% -15.8% -9.2% -1.3% 9.2% 19.5% 23.0% 25.4% 22.4% 22.42%
OCF Growth snapshot only 26.52%
Asset Growth snapshot only 6.39%
Equity Growth snapshot only 14.20%
Debt Growth snapshot only -46.09%
Shares Change snapshot only -2.76%
Dividend Growth snapshot only 66.22%
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 — — — — 66.7% 33.4% 18.5% 9.8% 10.9% 11.6% 11.7% 12.3% 13.3% 14.7% 15.8% 17.1% 16.9% 15.7% 14.5% 12.7% 12.67%
Revenue 5Y — — — — — — — — — — — — 46.7% 27.9% 18.3% 12.0% 11.7% 11.5% 11.2% 11.0% 10.95%
EPS 3Y — — — — 80.6% 42.6% 25.4% 15.6% 13.5% 10.8% 8.4% 5.7% 3.7% 3.6% 3.4% 6.1% 7.4% 7.7% 8.1% 7.3% 7.30%
EPS 5Y — — — — — — — — — — — — 43.1% 23.4% 14.0% 8.8% 9.1% 10.2% 11.1% 10.8% 10.83%
Net Income 3Y — — — — 81.6% 41.7% 24.5% 14.8% 12.7% 10.0% 7.4% 4.3% 1.7% 1.6% 1.3% 4.1% 5.2% 4.9% 5.0% 4.3% 4.30%
Net Income 5Y — — — — — — — — — — — — 42.5% 21.8% 12.3% 7.1% 7.3% 8.0% 8.7% 8.5% 8.54%
EBITDA 3Y — — — — 80.8% 40.6% 23.6% 13.9% 11.9% 9.7% 7.4% 4.8% 2.4% 2.3% 2.3% 5.0% 6.1% 6.0% 5.4% 4.1% 4.14%
EBITDA 5Y — — — — — — — — — — — — 42.7% 22.0% 12.6% 7.2% 7.5% 8.3% 8.6% 8.3% 8.29%
Gross Profit 3Y — — — — 72.0% 37.0% 20.6% 10.8% 10.3% 9.0% 7.7% 6.2% 5.1% 5.0% 4.9% 5.9% 6.1% 5.8% 5.9% 5.3% 5.33%
Gross Profit 5Y — — — — — — — — — — — — 40.8% 22.2% 12.9% 7.1% 7.2% 7.3% 7.6% 7.5% 7.46%
Op. Income 3Y — — — — 81.0% 41.4% 24.3% 14.6% 12.6% 10.1% 7.6% 4.8% 2.2% 2.0% 1.9% 4.8% 5.9% 5.7% 5.7% 4.9% 4.91%
Op. Income 5Y — — — — — — — — — — — — 42.5% 22.1% 12.6% 7.3% 7.5% 8.3% 9.0% 9.0% 9.02%
FCF 3Y — — — — — 55.6% 34.9% 22.7% 15.5% 58.5% 82.8% 20.4% 4.8% -7.8% -17.2% -6.3% -2.0% -4.5% 4.1% -0.2% -0.19%
FCF 5Y — — — — — — — — — — — — — 29.7% 17.0% 7.3% 6.6% 30.3% 48.9% 15.8% 15.82%
OCF 3Y — — — — — 62.0% 36.0% 22.9% 16.1% 39.4% 46.3% 13.7% 1.2% -7.9% -15.0% -7.0% -4.6% -7.0% -0.8% -1.7% -1.73%
OCF 5Y — — — — — — — — — — — — — 30.5% 16.0% 6.9% 6.1% 19.5% 28.5% 11.3% 11.29%
Assets 3Y — — — — 20.1% 20.1% 15.7% 15.7% 15.7% 15.7% 5.8% 5.8% 5.8% 5.8% -0.8% -0.8% -0.8% -0.8% 2.8% 2.8% 2.82%
Assets 5Y — — — — — — — — — — — — 11.0% 11.0% 9.6% 9.6% 9.6% 9.6% 4.9% 4.9% 4.86%
Equity 3Y — — — — 15.5% 15.5% 1.8% 1.8% 1.8% 1.8% 2.1% 2.1% 2.1% 2.1% 2.4% 2.4% 2.4% 2.4% 11.2% 11.2% 11.17%
Book Value 3Y — — — — 14.8% 16.2% 2.5% 2.5% 2.5% 2.6% 3.0% 3.4% 4.1% 4.2% 4.5% 4.3% 4.5% 5.1% 14.4% 14.4% 14.37%
Dividend 3Y — — — — 1.4% 1.3% 0.3% 1.7% 2.9% 4.2% 5.4% 5.5% 5.6% 5.3% 4.9% 6.2% 8.0% 12.5% 16.3% 21.9% 21.86%
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 0.83 0.83 0.78 0.53 0.68 0.74 0.83 0.80 0.80 0.84 0.84 0.84 0.93 0.98 0.99 0.92 0.92 0.94 0.95 0.97 0.974
Earnings Stability 0.86 0.90 0.97 1.00 0.78 0.87 0.96 0.96 0.81 0.83 0.81 0.64 0.62 0.65 0.67 0.65 0.63 0.73 0.69 0.66 0.660
Margin Stability 0.99 0.98 0.96 0.95 0.96 0.96 0.96 0.96 0.96 0.94 0.91 0.89 0.89 0.89 0.88 0.87 0.87 0.87 0.88 0.89 0.886
Rev. Growth Consistency 1.00 1.00 1.00 0.00 0.00 1.00 1.00 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 1.000
Earn. Growth Consistency 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 0.00 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 0.95 0.94 0.93 0.96 0.97 0.96 0.95 0.92 0.93 0.98 0.98 0.94 0.93 0.96 0.99 0.96 0.92 0.91 0.90 0.91 0.912
Earnings Smoothness 0.87 0.86 0.84 0.91 0.93 0.89 0.89 0.81 0.84 0.96 0.94 0.84 0.82 0.90 0.98 0.92 0.83 0.80 0.78 0.80 0.802
ROE Trend 0.04 0.02 0.02 0.01 0.00 0.01 0.03 0.04 0.04 0.02 -0.01 -0.02 -0.02 -0.02 -0.02 -0.01 -0.01 0.00 0.01 0.01 0.010
Gross Margin Trend 0.01 0.03 0.07 0.08 0.07 0.06 0.03 -0.01 -0.05 -0.11 -0.16 -0.19 -0.20 -0.18 -0.15 -0.11 -0.07 -0.03 -0.00 0.02 0.020
FCF Margin Trend 0.17 0.32 0.44 0.18 0.09 0.08 0.01 0.06 -0.02 -0.15 -0.20 -0.14 -0.11 -0.07 -0.08 -0.10 -0.05 -0.05 0.02 0.02 0.022
Sustainable Growth Rate 10.8% 11.1% 10.6% 10.4% 10.7% 11.4% 12.4% 13.1% 13.0% 12.3% 11.4% 10.9% 10.6% 10.8% 10.2% 10.8% 11.5% 12.0% 11.4% 11.7% 11.67%
Internal Growth Rate 1.3% 1.3% 1.1% 1.0% 1.1% 1.1% 1.1% 1.2% 1.2% 1.1% 1.1% 1.0% 1.0% 1.0% 1.0% 1.1% 1.2% 1.2% 1.2% 1.2% 1.24%
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 1.22 1.71 1.89 1.46 1.36 1.35 1.24 1.29 1.17 1.16 1.15 1.23 1.20 1.27 1.12 1.04 1.01 0.94 1.05 1.08 1.077
FCF/OCF 0.79 0.91 0.94 0.87 0.84 0.84 0.82 0.87 0.88 0.86 0.88 0.89 0.88 0.91 0.87 0.89 0.91 0.90 0.94 0.91 0.911
FCF/Net Income snapshot only 0.981
OCF/EBITDA snapshot only 0.838
CapEx/Revenue 7.7% 4.8% 3.4% 6.1% 7.0% 7.3% 7.5% 5.5% 4.4% 4.4% 3.5% 3.3% 3.1% 2.4% 3.1% 2.6% 2.1% 2.2% 1.5% 2.5% 2.49%
CapEx/Depreciation snapshot only 2.377
Accruals Ratio -0.00 -0.01 -0.01 -0.01 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 0.00 -0.00 -0.00 -0.001
Sloan Accruals snapshot only 0.983
Cash Flow Adequacy snapshot only 5.502
Earnings Quality Score snapshot only 1.000
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 0.5% 0.6% 0.5% 0.5% 0.5% 0.6% 0.6% 0.6% 0.6% 0.7% 0.6% 0.7% 0.7% 0.7% 0.7% 0.8% 0.7% 0.7% 0.8% 0.7% 0.74%
Dividend/Share $0.26 $0.27 $0.28 $0.28 $0.28 $0.28 $0.28 $0.29 $0.30 $0.31 $0.32 $0.33 $0.35 $0.36 $0.36 $0.39 $0.42 $0.48 $0.54 $0.67 $0.67
Payout Ratio 6.2% 6.2% 6.2% 6.3% 6.1% 5.7% 5.4% 5.3% 5.5% 6.0% 6.6% 7.0% 7.4% 7.4% 7.3% 7.3% 7.4% 7.9% 8.4% 10.0% 9.95%
FCF Payout Ratio 6.4% 4.0% 3.5% 4.9% 5.3% 5.1% 5.4% 4.8% 5.4% 6.1% 6.5% 6.5% 7.0% 6.3% 7.4% 7.9% 7.9% 9.3% 8.5% 10.1% 10.15%
Total Payout Ratio 13.6% 15.6% 30.1% 28.2% 23.9% 20.2% 6.0% 6.2% 8.0% 11.8% 20.9% 50.8% 53.0% 57.5% 54.9% 24.6% 36.6% 41.3% 34.2% 34.9% 34.86%
Div. Increase Streak 1 1 1 1 1 1 0 1 1 1 0 1 1 1 1 1 1 1 1 1 1
Chowder Number 1.17 0.50 0.16 0.11 0.07 0.03 -0.01 0.04 0.07 0.11 0.14 0.14 0.12 0.11 0.09 0.14 0.19 0.32 0.45 0.67 0.670
Buyback Yield 0.6% 0.8% 2.1% 1.9% 1.6% 1.5% 0.1% 0.1% 0.3% 0.6% 1.3% 4.2% 4.5% 4.7% 4.5% 1.8% 2.9% 3.2% 2.3% 1.8% 1.85%
Net Buyback Yield 0.6% 0.8% 2.1% 1.9% 1.6% 1.5% 0.1% 0.1% 0.3% 0.6% 1.3% 4.2% 4.5% 4.7% 4.5% 1.8% 2.9% 3.2% 2.3% 1.8% 1.85%
Total Shareholder Return 1.2% 1.4% 2.6% 2.5% 2.1% 2.1% 0.6% 0.7% 0.9% 1.3% 1.8% 4.9% 5.3% 5.4% 5.2% 2.6% 3.6% 3.9% 3.1% 2.6% 2.59%
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) 0.82 0.82 0.82 0.82 0.82 0.82 0.82 0.82 0.82 0.81 0.81 0.81 0.81 0.81 0.81 0.81 0.81 0.81 0.80 0.80 0.804
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 0.37 0.38 0.40 0.39 0.40 0.40 0.40 0.40 0.37 0.34 0.31 0.29 0.27 0.27 0.27 0.28 0.30 0.31 0.31 0.32 0.322
Asset Turnover 0.04 0.04 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.053
Equity Multiplier 8.62 8.62 10.05 10.05 10.05 10.05 11.19 11.19 11.19 11.19 10.90 10.90 10.90 10.90 10.07 10.07 10.07 10.07 9.49 9.49 9.491
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) $4.21 $4.35 $4.55 $4.48 $4.61 $4.90 $5.13 $5.44 $5.41 $5.12 $4.88 $4.74 $4.70 $4.84 $5.02 $5.36 $5.71 $6.12 $6.48 $6.72 $6.72
Book Value/Share $39.00 $39.14 $41.14 $41.42 $41.43 $41.43 $36.91 $36.93 $36.94 $37.01 $42.52 $43.00 $43.95 $44.24 $46.91 $47.04 $47.26 $48.15 $55.29 $55.25 $56.76
Tangible Book/Share $38.79 $38.93 $40.93 $41.20 $41.21 $41.21 $36.70 $36.71 $36.72 $36.80 $42.30 $42.78 $43.72 $44.02 $46.68 $46.81 $47.04 $47.91 $55.06 $55.01 $55.01
Revenue/Share $13.99 $13.95 $13.91 $13.81 $14.13 $14.80 $15.62 $16.68 $17.66 $18.54 $19.41 $20.49 $21.56 $22.34 $22.99 $23.51 $24.00 $24.87 $25.60 $25.98 $26.11
FCF/Share $4.08 $6.77 $8.12 $5.70 $5.28 $5.52 $5.20 $6.08 $5.56 $5.11 $4.93 $5.16 $4.97 $5.63 $4.90 $4.96 $5.29 $5.21 $6.39 $6.59 $6.62
OCF/Share $5.15 $7.43 $8.59 $6.53 $6.27 $6.61 $6.37 $7.00 $6.34 $5.93 $5.61 $5.83 $5.64 $6.16 $5.62 $5.56 $5.79 $5.76 $6.78 $7.23 $7.27
Cash/Share $129.17 $129.61 $199.25 $200.60 $200.65 $200.64 $124.01 $124.06 $124.09 $124.34 $122.52 $123.89 $126.63 $127.49 $42.08 $42.20 $42.40 $43.19 $101.91 $101.83 $102.69
EBITDA/Share $5.48 $5.64 $5.88 $5.81 $5.97 $6.31 $6.61 $7.02 $6.99 $6.67 $6.39 $6.23 $6.22 $6.42 $6.69 $7.13 $7.60 $8.13 $8.45 $8.63 $8.63
Debt/Share $0.58 $0.58 $0.53 $0.53 $0.53 $0.53 $0.59 $0.59 $0.59 $0.59 $0.53 $0.53 $0.54 $0.55 $0.42 $0.42 $0.42 $0.43 $0.23 $0.23 $0.23
Net Debt/Share $-128.59 $-129.03 $-198.72 $-200.07 $-200.12 $-200.11 $-123.42 $-123.47 $-123.50 $-123.75 $-121.99 $-123.36 $-126.08 $-126.94 $-41.66 $-41.78 $-41.97 $-42.76 $-101.67 $-101.59 $-101.59
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 — — — — — — — — — — — — — — — — — — — — 3.606
Altman Z-Prime snapshot only 2.025
Piotroski F-Score 7 7 8 7 7 7 6 6 6 6 6 6 6 6 6 8 8 7 9 9 9
Beneish M-Score -2.25 -2.26 -2.68 -2.64 -2.56 -2.52 -1.98 -1.96 -1.92 -1.88 -2.22 -2.22 -2.27 -2.32 -2.35 -2.38 -2.39 -2.38 -2.47 -2.46 -2.456
Ohlson O-Score snapshot only -5.277
ROIC (Greenblatt) snapshot only 7.43%
Net-Net WC snapshot only $-348.25
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 92.61 92.48 89.40 89.74 89.96 92.82 89.28 90.22 89.96 86.13 89.25 87.76 87.45 87.41 82.03 82.14 84.47 84.16 91.90 92.02 92.025
Credit Grade snapshot only 2
Credit Trend snapshot only 9.884
Implied Spread (bps) snapshot only 65.000
Industry Credit Rank snapshot only 96
Sector Credit Rank snapshot only 88

Sign in to InsiderStreet

You'll also get our free weekly newsletter with
smart money signals, market insights, and alpha ideas.
Unsubscribe anytime.

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