$40.68

-0.41 (-1.00%)

After Hours: $40.70 (+0.02, +0.05%)

Weekly Expected Move ±3.9%

$38 $40 $41 $43 $44

NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 64 · $4.4B mcap · 102M float · 0.735% daily turnover · Short 56% 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

51.2 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 64.8% · 5Y Avg: 7.9%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. SFBS shows a Weak competitive edge (51.2/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 64.8% 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

$46

Low

$46

Avg Target

$76

High

Based on 6 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 4Hold: 2Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$45.50

Analysts2

Consensus Change History

Date	Field	From	To
2026-04-21	consensus	Hold	Buy

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-06	Raymond James	Steve Moss	$95	$45	-50	+13.9%	$39.51
2026-10-02	Piper Sandler	—	$94	$46	-48	+15.7%	$39.75
2026-07-21	Piper Sandler	—	$91	$94	+3	+9.8%	$85.58
2026-04-21	Piper Sandler	Stephen Scouten	$89	$91	+2	+16.5%	$78.14
2026-01-21	Piper Sandler	Stephen Scouten	$80	$89	+9	+2.6%	$86.77
2025-12-19	Hovde Group	—	Initiated	$89	—	+21.9%	$73.01
2025-10-21	Piper Sandler	—	$84	$80	-4	+9.2%	$73.23
2025-10-07	Raymond James	—	Initiated	$95	—	+15.3%	$82.36
2025-04-22	Piper Sandler	Graham Dick	$79	$84	+5	+20.9%	$69.47
2024-10-22	Piper Sandler	Stephen Scouten	$70	$79	+9	-4.6%	$82.81
2024-07-16	Piper Sandler	Graham Dick	Initiated	$70	—	-1.2%	$70.88

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

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. SFBS receives an overall rating of B+. Strongest factors: ROE (5/5), ROA (4/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-16	A-	B+
2026-10-01	B	A-
2026-07-22	B+	B
2026-07-01	B	B+
2026-05-04	B+	B
2026-04-21	B	B+
2026-04-21	A-	B
2026-04-16	B+	A-
2026-04-01	B-	B+
2026-03-04	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.

★ ★ ★ ★ ★ 63 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. SFBS scores highest in Earnings Quality (92/100) and lowest in Balance Sheet (59/100). An overall grade of A+ places SFBS 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

3.51

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.73

Unlikely Manipulator

Ohlson O-Score

-5.80

Bankruptcy prob: 0.3%

Low Risk

Credit Rating

Score: 89.1/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.47x

Accruals: -0.9%

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. SFBS scores 3.51, 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. SFBS 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. SFBS's score of -2.73 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. SFBS'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. SFBS receives an estimated rating of AA (score: 89.1/100), 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). SFBS'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

12.99x

PEG

0.38x

P/S

4.24x

P/B

2.19x

P/FCF

10.09x

P/OCF

9.94x

EV/EBITDA

8.08x

EV/Revenue

3.10x

EV/EBIT

8.15x

EV/FCF

6.91x

Earnings Yield

6.82%

FCF Yield

9.91%

Shareholder Yield

2.55%

Graham Number

$34.55

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 13.0x earnings, SFBS trades at a reasonable valuation. An earnings yield of 6.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $34.55 per share, 18% below 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

0.813

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.381

EBIT / Rev

Asset Turnover

0.058

Rev / Assets

Equity Multiplier

9.657

Assets / Equity

ROE

17.3%

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. SFBS's ROE of 17.3% is driven by financial leverage (equity multiplier: 9.66x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

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

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$24.93

Price/Value

1.72x

Margin of Safety

-72.40%

Premium

72.40%

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 SFBS's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. SFBS trades at a 72% premium to its adjusted intrinsic value of $24.93, 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 13.0x.

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

$40.69

Median 1Y

$44.03

5th Pctile

$23.44

95th Pctile

$83.36

Ann. Volatility

39.1%

Analyst Target

$45.50

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

Executive Compensation

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

C-Suite Compensation

Executive	Salary	Stock	Total
Thomas A. Broughton, III President and Chief Executive Officer	$785,000	$824,250	$2,474,442
Rodney E. Rushing EVP and Chief Operating Officer	$490,000	$245,000	$1,118,300
David A. Sparacio EVP and Chief Financial Officer	$291,667	$456,550	$921,839
James H. Harper SVP and Chief Credit Officer	$186,667	$213,240	$607,980
Edison K. Woodie, III Former Interim Chief Financial Officer	$225,000	$—	$299,760
Henry F. Abbott Former SVP and Chief Credit Officer	$179,200	$63,392	$263,665

CEO Pay Ratio

15:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,474,442

Avg Employee Cost (SGA/emp): $164,282

Employees: 666

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

666

+5.7% YoY

Revenue / Employee

$1,527,769

Rev: $1,017,494,000

Profit / Employee

$415,320

NI: $276,603,000

SGA / Employee

$164,282

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

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

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	19.9%	19.4%	19.4%	19.8%	20.2%	20.5%	20.1%	18.9%	17.6%	15.1%	14.1%	13.8%	13.7%	14.9%	15.3%	15.5%	15.2%	16.0%	16.6%	17.3%	17.34%
ROA	1.6%	1.5%	1.5%	1.6%	1.7%	1.7%	1.7%	1.6%	1.6%	1.3%	1.3%	1.3%	1.3%	1.4%	1.4%	1.5%	1.5%	1.6%	1.6%	1.8%	1.80%
ROIC	-7.7%	-10.0%	-16.1%	63.9%	14.0%	16.5%	18.0%	31.4%	8.6%	-2.2%	37.4%	85.2%	72.5%	26.5%	82.0%	16.0%	15.8%	12.6%	20.4%	64.8%	64.85%
ROCE	21.0%	19.9%	20.4%	20.7%	21.1%	21.9%	21.3%	20.3%	18.7%	15.6%	14.7%	14.2%	14.2%	15.6%	16.3%	16.3%	16.0%	2.5%	17.3%	2.4%	2.35%
Gross Margin	87.6%	84.4%	89.4%	85.5%	75.7%	66.7%	58.8%	52.0%	46.8%	40.9%	45.4%	46.3%	46.0%	49.2%	50.2%	48.9%	49.9%	57.8%	58.8%	59.8%	59.79%
Operating Margin	57.0%	59.2%	58.7%	56.3%	48.7%	51.0%	37.7%	32.6%	28.0%	21.3%	25.7%	28.2%	28.2%	31.9%	31.7%	31.0%	31.0%	40.3%	40.0%	40.8%	40.78%
Net Margin	46.8%	51.7%	47.6%	45.6%	40.5%	41.0%	30.9%	27.0%	24.1%	19.0%	21.2%	22.1%	23.4%	26.2%	25.4%	24.9%	25.8%	32.3%	32.9%	32.6%	32.65%
EBITDA Margin	58.0%	60.3%	59.6%	57.0%	49.4%	51.5%	38.3%	33.2%	28.5%	21.9%	26.2%	28.6%	28.8%	32.4%	32.2%	31.4%	31.5%	40.8%	40.5%	40.8%	40.78%
FCF Margin	59.3%	58.7%	58.1%	56.4%	51.1%	46.0%	39.0%	33.0%	22.7%	23.3%	21.9%	22.0%	28.4%	25.4%	24.5%	26.1%	32.5%	34.5%	36.4%	44.9%	44.94%
OCF Margin	61.5%	60.9%	59.8%	55.5%	51.5%	46.6%	39.6%	33.6%	23.3%	23.8%	22.3%	22.5%	29.1%	25.9%	25.0%	26.6%	32.4%	34.9%	37.0%	45.6%	45.63%
ROE 3Y Avg	snapshot only																				14.60%
ROE 5Y Avg	snapshot only																				16.06%
ROA 3Y Avg	snapshot only																				1.47%
ROIC Economic	snapshot only																				8.98%
Cash ROA	snapshot only																				2.58%
Cash ROIC	snapshot only																				95.62%
CROIC	snapshot only																				94.15%
NOPAT Margin	snapshot only																				30.95%
Pretax Margin	snapshot only																				38.07%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				12.77%
SBC / Revenue	snapshot only																				0.20%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	9.49	10.25	11.21	8.81	8.53	6.96	5.54	4.32	5.80	8.36	8.71	8.35	10.35	9.83	9.06	8.25	8.42	6.96	13.25	14.65	12.986
P/S Ratio	4.45	4.87	5.33	4.21	3.90	3.02	2.16	1.48	1.75	2.09	1.98	1.80	2.22	2.29	2.20	2.06	2.15	1.89	3.85	4.54	4.236
P/B Ratio	1.75	1.85	2.04	1.64	1.63	1.35	1.04	0.77	0.96	1.20	1.17	1.09	1.35	1.38	1.31	1.20	1.21	1.04	2.05	2.38	2.190
P/FCF	7.50	8.29	9.17	7.46	7.63	6.56	5.53	4.50	7.69	8.95	9.02	8.19	7.82	8.99	8.99	7.89	6.62	5.49	10.57	10.09	10.093
P/OCF	7.22	8.00	8.92	7.57	7.57	6.47	5.44	4.42	7.49	8.77	8.86	8.03	7.63	8.83	8.81	7.72	6.64	5.42	10.40	9.94	9.939
EV/EBITDA	-6.97	-4.27	-0.39	4.08	8.55	6.31	4.64	1.54	-0.09	0.78	3.30	1.54	3.27	5.19	2.66	6.08	6.22	6.54	9.39	8.08	8.076
EV/Revenue	-4.18	-2.52	-0.23	2.39	4.78	3.40	2.24	0.65	-0.03	0.24	0.90	0.41	0.87	1.51	0.81	1.90	1.98	2.23	3.39	3.10	3.104
EV/EBIT	-7.09	-4.34	-0.39	4.15	8.68	6.39	4.70	1.56	-0.09	0.80	3.36	1.57	3.34	5.28	2.70	6.18	6.31	6.63	9.51	8.15	8.153
EV/FCF	-7.04	-4.28	-0.39	4.25	9.37	7.40	5.76	1.98	-0.14	1.01	4.11	1.85	3.05	5.93	3.32	7.27	6.10	6.46	9.32	6.91	6.908
Earnings Yield	10.5%	9.8%	8.9%	11.3%	11.7%	14.4%	18.1%	23.1%	17.2%	12.0%	11.5%	12.0%	9.7%	10.2%	11.0%	12.1%	11.9%	14.4%	7.5%	6.8%	6.82%
FCF Yield	13.3%	12.1%	10.9%	13.4%	13.1%	15.2%	18.1%	22.2%	13.0%	11.2%	11.1%	12.2%	12.8%	11.1%	11.1%	12.7%	15.1%	18.2%	9.5%	9.9%	9.91%
PEG Ratio	snapshot only																				0.380
Price/Tangible Book	snapshot only																				2.393
EV/OCF	snapshot only																				6.802
EV/Gross Profit	snapshot only																				5.484
Acquirers Multiple	snapshot only																				8.153
Shareholder Yield	snapshot only																				2.55%
Graham Number	snapshot only																				$34.55

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.39	0.36	0.30	0.18	0.09	0.11	0.12	0.15	0.20	0.20	0.17	0.17	0.20	0.19	0.23	0.12	0.11	0.28	0.13	1.97	1.971
Quick Ratio	0.39	0.36	0.30	0.18	0.09	0.11	0.12	0.15	0.20	0.20	0.17	0.17	0.20	0.19	0.23	0.12	0.11	0.28	0.13	1.97	1.971
Debt/Equity	1.21	1.54	1.45	1.20	1.23	1.30	1.15	1.00	1.02	0.92	0.96	0.77	1.02	1.27	1.45	0.97	0.87	0.81	0.83	0.82	0.816
Net Debt/Equity	-3.39	-2.80	-2.13	-0.71	0.37	0.17	0.04	-0.43	-0.98	-1.07	-0.64	-0.85	-0.82	-0.47	-0.82	-0.09	-0.09	0.19	-0.24	-0.75	-0.750
Debt/Assets	0.09	0.11	0.11	0.10	0.11	0.12	0.11	0.09	0.09	0.08	0.09	0.07	0.10	0.12	0.13	0.10	0.09	0.08	0.09	0.09	0.088
Debt/EBITDA	5.16	6.89	6.45	5.24	5.27	5.38	4.94	4.53	5.02	5.31	5.90	4.82	6.39	7.25	8.01	5.33	4.88	4.34	4.29	4.05	4.053
Net Debt/EBITDA	-14.40	-12.53	-9.45	-3.09	1.58	0.72	0.18	-1.95	-4.81	-6.16	-3.95	-5.31	-5.12	-2.68	-4.55	-0.51	-0.53	0.99	-1.25	-3.72	-3.724
Interest Coverage	7.81	7.97	8.32	8.19	5.92	3.49	2.00	1.28	0.87	0.61	0.52	0.49	0.49	0.56	0.60	0.63	0.67	0.75	0.84	0.96	0.962
Equity Multiplier	13.11	13.42	13.08	11.96	11.18	11.25	10.88	11.06	11.45	11.20	10.65	10.63	10.48	10.74	11.17	10.10	9.87	9.58	9.50	9.27	9.274
Cash Ratio	snapshot only																				1.961
Debt Service Coverage	snapshot only																				0.971
Cash to Debt	snapshot only																				1.919
FCF to Debt	snapshot only																				0.288
Defensive Interval	snapshot only																				6006.3 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.058
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	12.43	12.21	12.72	13.59	14.08	13.94	15.24	16.35	16.01	15.41	15.67	16.18	16.09	16.02	15.03	16.05	15.96	16.31	14.52	16.75	16.753
Payables Turnover	5.07	4.88	4.49	4.89	6.33	7.82	10.97	14.53	17.44	18.24	19.95	20.87	20.49	18.74	18.47	19.57	18.38	16.91	16.17	16.29	16.287
DSO	29	30	29	27	26	26	24	22	23	24	23	23	23	23	24	23	23	22	25	22	21.8 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	72	75	81	75	58	47	33	25	21	20	18	17	18	19	20	19	20	22	23	22	22.4 days
Cash Conversion Cycle	-43	-45	-53	-48	-32	-21	-9	-3	2	4	5	5	5	3	5	4	3	1	3	-1	-0.6 days
Fixed Asset Turnover	snapshot only																				16.281
Cash Velocity	snapshot only																				0.335
Capital Intensity	snapshot only																				17.701

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	7.1%	5.7%	7.2%	10.2%	18.7%	32.7%	43.9%	49.8%	48.7%	42.8%	35.5%	29.0%	23.0%	17.9%	13.0%	9.5%	5.2%	4.1%	3.0%	3.5%	3.46%
Net Income	28.4%	22.5%	14.8%	15.4%	15.9%	21.1%	17.8%	7.6%	-2.1%	-17.7%	-21.0%	-18.8%	-12.2%	9.9%	20.9%	26.4%	25.1%	21.7%	23.3%	28.4%	28.43%
EPS	27.8%	22.0%	14.6%	15.3%	15.8%	21.0%	17.7%	7.7%	-2.1%	-17.7%	-21.1%	-18.9%	-12.4%	9.6%	21.1%	26.2%	25.0%	21.7%	-38.6%	-35.8%	-35.80%
FCF	47.0%	35.9%	29.7%	33.5%	2.2%	3.9%	-3.5%	-12.5%	-33.9%	-27.5%	-23.9%	-13.8%	54.0%	28.4%	26.3%	29.6%	20.2%	41.2%	53.2%	78.3%	78.32%
EBITDA	28.6%	18.1%	10.1%	10.0%	10.9%	21.4%	18.3%	8.4%	-1.7%	-20.4%	-23.6%	-19.9%	-11.9%	14.0%	26.5%	29.6%	26.5%	22.2%	22.0%	27.6%	27.55%
Op. Income	29.0%	18.3%	10.2%	10.2%	11.1%	21.9%	18.7%	8.6%	-1.7%	-20.8%	-24.0%	-20.3%	-12.3%	14.1%	26.9%	30.1%	27.2%	22.6%	22.4%	28.3%	28.33%
OCF Growth	snapshot only																				77.29%
Asset Growth	snapshot only																				5.55%
Equity Growth	snapshot only																				14.91%
Debt Growth	snapshot only																				-2.99%
Shares Change	snapshot only																				1.00%
Dividend Growth	snapshot only																				-13.72%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	10.6%	8.9%	7.8%	7.6%	9.3%	12.5%	16.1%	19.9%	23.7%	26.0%	27.9%	28.7%	29.5%	30.7%	30.1%	28.4%	24.4%	20.6%	16.4%	13.5%	13.48%
Revenue 5Y	15.4%	14.3%	13.9%	13.9%	14.8%	15.9%	17.3%	18.3%	19.0%	19.6%	19.5%	19.2%	19.0%	19.1%	19.1%	19.5%	19.6%	19.7%	19.5%	19.3%	19.26%
EPS 3Y	18.7%	14.6%	15.0%	16.6%	17.7%	18.7%	18.9%	16.3%	13.2%	6.7%	2.1%	0.2%	-0.2%	2.9%	4.0%	3.3%	2.4%	3.1%	-16.3%	-13.1%	-13.05%
EPS 5Y	20.6%	20.5%	20.4%	20.2%	20.3%	21.8%	19.4%	16.5%	13.7%	8.4%	7.2%	6.7%	7.0%	8.6%	9.9%	10.0%	9.7%	10.1%	-4.6%	-4.0%	-3.99%
Net Income 3Y	18.9%	14.9%	15.4%	16.9%	18.0%	19.0%	19.1%	16.5%	13.4%	6.9%	2.2%	0.3%	-0.1%	3.0%	4.0%	3.4%	2.5%	3.2%	5.6%	9.7%	9.66%
Net Income 5Y	20.9%	20.6%	20.5%	20.4%	20.5%	22.0%	19.6%	16.7%	13.8%	8.6%	7.4%	6.9%	7.2%	8.8%	10.1%	10.2%	9.9%	10.3%	9.7%	10.4%	10.38%
EBITDA 3Y	17.1%	14.3%	14.4%	15.6%	16.4%	17.9%	18.0%	15.3%	11.9%	4.5%	-0.2%	-1.5%	-1.3%	3.3%	4.6%	4.0%	3.1%	3.5%	5.7%	9.8%	9.81%
EBITDA 5Y	19.1%	17.7%	17.5%	17.2%	16.8%	17.4%	15.9%	13.8%	11.8%	7.6%	6.3%	6.0%	6.5%	8.3%	9.7%	9.7%	9.3%	9.7%	9.0%	9.6%	9.56%
Gross Profit 3Y	15.1%	13.8%	14.4%	15.7%	16.6%	17.2%	17.1%	14.8%	12.3%	8.4%	5.6%	4.7%	4.2%	6.9%	6.9%	5.8%	4.6%	5.1%	6.4%	9.8%	9.78%
Gross Profit 5Y	16.2%	15.1%	15.3%	15.4%	15.5%	15.8%	14.7%	13.2%	11.7%	10.0%	9.2%	9.1%	9.3%	10.1%	10.8%	10.6%	10.4%	10.5%	9.9%	10.4%	10.39%
Op. Income 3Y	17.2%	14.5%	14.6%	15.8%	16.7%	18.2%	18.3%	15.5%	12.1%	4.5%	-0.2%	-1.6%	-1.4%	3.3%	4.6%	4.0%	3.1%	3.5%	5.7%	10.0%	9.97%
Op. Income 5Y	19.4%	18.0%	17.7%	17.4%	17.0%	17.6%	16.0%	14.0%	11.9%	7.7%	6.3%	6.1%	6.5%	8.3%	9.8%	9.8%	9.5%	9.8%	9.1%	9.7%	9.73%
FCF 3Y	20.7%	15.7%	15.7%	21.2%	20.2%	18.1%	13.4%	4.4%	-0.2%	0.8%	-1.6%	0.3%	1.3%	-1.1%	-2.5%	-0.7%	7.0%	9.5%	13.8%	25.8%	25.83%
FCF 5Y	24.7%	27.5%	28.8%	29.3%	27.9%	22.4%	17.4%	10.8%	3.5%	3.1%	2.6%	6.1%	12.1%	8.9%	7.0%	4.9%	13.0%	13.2%	13.0%	18.4%	18.42%
OCF 3Y	20.6%	16.5%	16.3%	19.9%	19.9%	18.1%	13.6%	4.7%	0.2%	1.0%	-1.7%	-1.7%	0.9%	-1.7%	-2.7%	0.5%	6.5%	9.5%	13.8%	25.7%	25.71%
OCF 5Y	23.2%	22.0%	21.8%	20.4%	19.7%	18.0%	14.9%	9.8%	3.3%	3.2%	2.7%	6.1%	12.3%	9.0%	7.2%	5.1%	12.6%	13.2%	12.9%	17.0%	16.96%
Assets 3Y	24.8%	24.5%	22.7%	18.4%	15.5%	17.7%	15.9%	11.0%	12.1%	10.6%	7.5%	6.7%	4.0%	3.9%	6.7%	6.2%	8.2%	6.7%	7.6%	6.8%	6.77%
Assets 5Y	19.5%	19.4%	19.3%	18.0%	15.7%	15.6%	15.7%	16.3%	16.4%	15.0%	13.6%	12.9%	12.8%	14.2%	14.8%	9.6%	9.1%	8.2%	7.5%	6.8%	6.79%
Equity 3Y	17.8%	17.2%	16.3%	15.9%	15.3%	15.5%	15.0%	14.2%	13.9%	13.2%	12.7%	12.1%	12.1%	12.0%	12.5%	12.4%	12.8%	12.6%	12.6%	13.2%	13.22%
Book Value 3Y	17.6%	16.9%	16.0%	15.6%	15.0%	15.2%	14.7%	14.0%	13.7%	13.0%	12.6%	12.0%	12.0%	11.9%	12.5%	12.3%	12.7%	12.5%	-10.7%	-10.2%	-10.23%
Dividend 3Y	4.7%	4.5%	4.6%	4.6%	4.6%	4.6%	5.3%	6.0%	6.2%	6.7%	5.1%	3.6%	14.2%	12.6%	12.9%	12.9%	3.4%	3.7%	-17.6%	-4.9%	-4.89%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.95	0.93	0.93	0.95	0.95	0.89	0.83	0.80	0.80	0.79	0.79	0.80	0.83	0.85	0.88	0.91	0.93	0.95	0.96	0.96	0.957
Earnings Stability	0.97	0.97	0.99	0.98	0.98	0.97	0.98	0.98	0.94	0.75	0.66	0.61	0.60	0.61	0.58	0.56	0.55	0.61	0.59	0.57	0.572
Margin Stability	0.91	0.92	0.91	0.90	0.91	0.93	0.90	0.87	0.84	0.81	0.78	0.76	0.74	0.74	0.73	0.73	0.73	0.74	0.74	0.74	0.744
Rev. Growth Consistency	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
Earn. Growth Consistency	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	1.00	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	0.89	0.91	0.94	0.94	0.94	0.92	0.93	0.97	0.99	0.93	0.92	0.92	0.95	0.96	0.92	0.89	0.90	0.91	0.91	0.89	0.886
Earnings Smoothness	0.75	0.80	0.86	0.86	0.85	0.81	0.84	0.93	0.98	0.81	0.77	0.79	0.87	0.91	0.81	0.77	0.78	0.80	0.79	0.75	0.751
ROE Trend	0.01	0.01	0.01	0.01	0.02	0.02	0.01	-0.01	-0.02	-0.04	-0.05	-0.05	-0.05	-0.03	-0.02	-0.01	-0.00	0.01	0.02	0.02	0.024
Gross Margin Trend	0.15	0.12	0.11	0.09	0.03	-0.03	-0.14	-0.23	-0.29	-0.33	-0.32	-0.30	-0.25	-0.17	-0.10	-0.05	-0.00	0.04	0.07	0.10	0.099
FCF Margin Trend	0.18	0.16	0.13	0.08	-0.00	-0.06	-0.14	-0.19	-0.32	-0.29	-0.27	-0.23	-0.08	-0.09	-0.06	-0.01	0.07	0.10	0.13	0.21	0.209
Sustainable Growth Rate	16.9%	16.3%	16.3%	16.6%	17.1%	17.5%	16.8%	15.6%	14.3%	11.8%	10.8%	10.4%	9.4%	10.6%	11.0%	11.2%	11.0%	11.7%	12.3%	10.9%	10.87%
Internal Growth Rate	1.4%	1.3%	1.3%	1.4%	1.4%	1.4%	1.4%	1.4%	1.3%	1.1%	1.0%	1.0%	0.9%	1.0%	1.0%	1.1%	1.1%	1.2%	1.2%	1.1%	1.14%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.31	1.28	1.26	1.16	1.13	1.08	1.02	0.98	0.77	0.95	0.98	1.04	1.36	1.11	1.03	1.07	1.27	1.28	1.27	1.47	1.474
FCF/OCF	0.96	0.96	0.97	1.02	0.99	0.99	0.98	0.98	0.97	0.98	0.98	0.98	0.98	0.98	0.98	0.98	1.00	0.99	0.98	0.98	0.985
FCF/Net Income	snapshot only																				1.452
OCF/EBITDA	snapshot only																				1.187
CapEx/Revenue	2.2%	2.2%	1.7%	0.9%	0.4%	0.6%	0.7%	0.6%	0.6%	0.5%	0.4%	0.4%	0.7%	0.5%	0.5%	0.6%	0.1%	0.4%	0.6%	0.7%	0.70%
CapEx/Depreciation	snapshot only																				1.939
Accruals Ratio	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	0.00	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.009
Sloan Accruals	snapshot only																				0.847
Cash Flow Adequacy	snapshot only																				3.725
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	1.6%	1.5%	1.4%	1.8%	1.8%	2.1%	2.9%	4.1%	3.2%	2.6%	2.7%	2.9%	3.0%	2.9%	3.1%	3.4%	3.3%	3.8%	1.9%	2.5%	1.86%
Dividend/Share	$0.57	$0.60	$0.63	$0.66	$0.66	$0.69	$0.74	$0.79	$0.79	$0.84	$0.86	$0.88	$1.18	$1.20	$1.24	$1.27	$1.30	$1.34	$0.69	$1.09	$0.76
Payout Ratio	15.2%	15.7%	16.0%	15.9%	15.1%	14.9%	16.0%	17.7%	18.5%	22.1%	23.6%	24.3%	31.5%	28.8%	28.0%	27.8%	27.9%	26.5%	25.5%	37.3%	37.32%
FCF Payout Ratio	12.0%	12.7%	13.1%	13.5%	13.5%	14.1%	16.0%	18.4%	24.6%	23.7%	24.4%	23.8%	23.8%	26.4%	27.8%	26.6%	22.0%	20.9%	20.4%	25.7%	25.71%
Total Payout Ratio	15.2%	15.7%	16.0%	15.9%	15.1%	14.9%	16.0%	17.7%	18.5%	22.1%	23.6%	24.3%	31.5%	28.8%	28.0%	27.8%	27.9%	26.5%	25.8%	37.3%	37.32%
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	0.17	0.17	0.17	0.17	0.17	0.17	0.20	0.24	0.23	0.25	0.19	0.15	0.52	0.46	0.47	0.48	0.14	0.16	0.14	0.75	0.751
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%	0.0%	0.00%
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%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.00%
Total Shareholder Return	1.6%	1.5%	1.4%	1.8%	1.8%	2.1%	2.9%	4.1%	3.2%	2.6%	2.7%	2.9%	3.0%	2.9%	3.1%	3.3%	3.3%	3.8%	1.9%	2.5%	2.55%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.80	0.82	0.82	0.83	0.83	0.81	0.82	0.82	0.83	0.85	0.85	0.84	0.83	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.813
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	0.59	0.58	0.58	0.58	0.55	0.53	0.48	0.42	0.36	0.30	0.27	0.26	0.26	0.29	0.30	0.31	0.31	0.34	0.36	0.38	0.381
Asset Turnover	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.058
Equity Multiplier	12.60	12.77	12.71	12.13	12.09	12.27	11.91	11.49	11.33	11.22	10.76	10.83	10.94	10.96	10.93	10.35	10.16	10.12	10.28	9.66	9.657

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$3.76	$3.81	$3.92	$4.14	$4.35	$4.61	$4.62	$4.46	$4.26	$3.79	$3.64	$3.62	$3.74	$4.16	$4.41	$4.57	$4.67	$5.06	$2.71	$2.93	$2.93
Book Value/Share	$20.44	$21.13	$21.50	$22.21	$22.77	$23.79	$24.56	$25.01	$25.69	$26.40	$27.03	$27.66	$28.73	$29.57	$30.61	$31.49	$32.58	$33.83	$17.49	$18.09	$18.62
Tangible Book/Share	$20.19	$20.88	$21.25	$21.97	$22.52	$23.54	$24.31	$24.76	$25.44	$26.15	$26.78	$27.41	$28.48	$29.33	$30.36	$31.24	$32.33	$33.58	$17.36	$17.96	$17.96
Revenue/Share	$8.03	$8.03	$8.25	$8.68	$9.52	$10.64	$11.86	$13.01	$14.16	$15.20	$16.06	$16.76	$17.39	$17.88	$18.18	$18.32	$18.28	$18.61	$9.33	$9.48	$9.62
FCF/Share	$4.76	$4.71	$4.79	$4.90	$4.86	$4.89	$4.62	$4.29	$3.22	$3.55	$3.52	$3.69	$4.94	$4.54	$4.45	$4.78	$5.94	$6.41	$3.40	$4.26	$4.26
OCF/Share	$4.94	$4.89	$4.93	$4.82	$4.90	$4.96	$4.70	$4.37	$3.30	$3.62	$3.58	$3.76	$5.07	$4.63	$4.54	$4.88	$5.92	$6.50	$3.45	$4.32	$4.32
Cash/Share	$94.04	$91.87	$77.10	$42.39	$19.65	$26.76	$27.31	$35.79	$51.51	$52.38	$43.12	$44.69	$52.99	$51.58	$69.69	$33.38	$31.50	$21.29	$18.70	$28.33	$25.12
EBITDA/Share	$4.81	$4.73	$4.85	$5.09	$5.33	$5.74	$5.73	$5.52	$5.24	$4.57	$4.38	$4.41	$4.61	$5.19	$5.55	$5.71	$5.82	$6.34	$3.37	$3.64	$3.64
Debt/Share	$24.81	$32.60	$31.25	$26.66	$28.07	$30.87	$28.34	$25.00	$26.32	$24.23	$25.83	$21.28	$29.42	$37.67	$44.46	$30.44	$28.41	$27.55	$14.46	$14.76	$14.76
Net Debt/Share	$-69.23	$-59.27	$-45.84	$-15.73	$8.42	$4.11	$1.03	$-10.79	$-25.19	$-28.15	$-17.29	$-23.41	$-23.58	$-13.91	$-25.23	$-2.94	$-3.09	$6.26	$-4.23	$-13.56	$-13.56

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.508
Altman Z-Prime	snapshot only																				1.304
Piotroski F-Score	6	5	5	6	5	5	6	6	6	6	5	6	5	6	8	6	7	8	7	8	8
Beneish M-Score	-2.64	-2.52	-2.49	-2.27	-1.99	-1.77	-1.63	-1.70	-1.73	-1.95	-2.13	-2.20	-2.41	-2.44	-2.36	-2.47	-2.47	-2.52	-2.58	-2.73	-2.725
Ohlson O-Score	snapshot only																				-5.799
ROIC (Greenblatt)	snapshot only																				24.71%
Net-Net WC	snapshot only																				$-121.21
EVA	snapshot only																				$271260700.00

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AA
Credit Score	68.59	62.78	64.26	62.93	63.18	63.21	64.06	65.91	64.95	64.91	63.16	64.48	68.91	61.85	68.70	65.82	68.81	68.01	74.04	89.07	89.067
Credit Grade	snapshot only																				3
Credit Trend	snapshot only																				23.248
Implied Spread (bps)	snapshot only																				80.000
Industry Credit Rank	snapshot only																				93
Sector Credit Rank	snapshot only																				84

SFBS NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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