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SFST NASDAQ

Southern First Bancshares, Inc.
1W: +0.5% 1M: +2.2% 3M: -0.2% YTD: +18.5% 1Y: +42.8% 3Y: +126.5% 5Y: +12.4%
$61.26
+0.07 (+0.11%)
 
Weekly Expected Move ±2.8%
$58 $59 $61 $63 $65
NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 59 · $580.2M mcap · 7M float · 1.45% daily turnover · Short 53% 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.
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.

NO EDGE
36.2 / 100
NoneWeakNarrowWide
Primary source: Network Effects  ·  ROIC: 19.8%  ·  5Y Avg: -0.3%
Cost Advantage
29
Intangibles
43
Switching Cost
22
Network Effect
54
Scale
40
The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. SFST has No discernible competitive edge (36.2/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. ROIC of 19.8% 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
$0
Low
$64
Avg Target
$64
High
Based on 1 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 0Buy: 1Hold: 6Sell: 0Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$64.00
Analysts1
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-02-05 Piper Sandler — Initiated $64 — +9.9% $58.24

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B
Oct 27, 2026
DCF
3
ROE
3
ROA
2
D/E
3
P/E
3
P/B
3
The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. SFST receives an overall rating of B. Areas of concern: ROA (2/5).
Rating Change History
DateFromTo
2026-10-26 B+ B
2026-10-21 C- B+
2026-10-20 B+ C-
2026-10-01 B B+
2026-08-17 B- B
2026-08-14 B B-
2026-08-04 B- B
2026-07-27 B B-
2026-07-16 B+ B
2026-07-01 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.

★ ★ ★ ★ ★ 50 Grade A
Profitability
54
Balance Sheet
46
Earnings Quality
94
Growth
54
Value
71
Momentum
77
Safety
50
Cash Flow
60
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. SFST scores highest in Earnings Quality (94/100) and lowest in Balance Sheet (46/100). An overall grade of A places SFST among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman-B Score
2.36
Grey Zone
Piotroski F-Score
7/9
✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✗
Beneish M-Score
-4.57
Unlikely Manipulator
Ohlson O-Score
-3.50
Bankruptcy prob: 2.9%
Low Risk
Credit Rating
BB+
Score: 48.1/100
Trend: Improving
Earnings Quality
100/100
OCF/NI: 1.04x
Accruals: -0.0%
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. SFST scores 2.36, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. SFST scores 7/9, 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. SFST's score of -4.57 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. SFST's implied 2.9% 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. SFST receives an estimated rating of BB+ (score: 48.1/100), 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). SFST'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
12.38x
PEG
0.23x
P/S
2.68x
P/B
1.25x
P/FCF
14.50x
P/OCF
13.81x
EV/EBITDA
5.74x
EV/Revenue
1.50x
EV/EBIT
6.21x
EV/FCF
8.07x
Earnings Yield
6.95%
FCF Yield
6.90%
Shareholder Yield
0.00%
Graham Number
$68.12
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 12.4x earnings, SFST trades at a reasonable valuation. An earnings yield of 7.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $68.12 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
0.776
NI / EBT
×
Interest Burden
1.000
EBT / EBIT
×
EBIT Margin
0.241
EBIT / Rev
×
Asset Turnover
0.047
Rev / Assets
×
Equity Multiplier
11.292
Assets / Equity
=
ROE
9.9%
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. SFST's ROE of 9.9% is driven by financial leverage (equity multiplier: 11.29x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

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

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

Adj. Growth Rate
15.00%
Fair P/E
38.50x
Intrinsic Value
$163.61
Price/Value
0.37x
Margin of Safety
62.65%
Premium
-62.65%
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 SFST's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. SFST actually compounded EPS at 21.6% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. SFST trades at a -63% premium to its adjusted intrinsic value of $163.61, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 12.4x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price
$61.26
Median 1Y
$59.77
5th Pctile
$28.77
95th Pctile
$124.68
Ann. Volatility
43.0%
25th–75th percentile 5th–95th percentile Median path Historical

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. Arthur Seaver,
Jr. Chief Executive Officer
 $515,000 $204,608 $1,146,832
Calvin C. Hurst
President
 $365,650 $141,680 $697,941
Christian J. Zych
Chief Financial Officer
 $319,300 $77,280 $539,606
Wesley C. Wilbanks
Chief Credit Officer
 $235,000 $36,800 $365,472
Julie A. Fairchild
Chief Accounting Officer
 $206,000 $— $312,230
William M. Aiken,
III Chief Risk Officer (resigned March 28, 2025)
 $67,468 $79,120 $152,050

CEO Pay Ratio

7:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $1,146,832
Avg Employee Cost (SGA/emp): $173,933
Employees: 315

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
315
+6.1% YoY
Revenue / Employee
$713,076
Rev: $224,619,000
Profit / Employee
$96,400
NI: $30,366,000
SGA / Employee
$173,933
Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

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

Profitability
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
ROE 17.9% 18.5% 17.1% 15.4% 12.9% 10.2% 8.3% 6.5% 5.0% 4.4% 4.3% 4.4% 4.5% 4.8% 5.6% 6.6% 7.7% 8.7% 9.8% 9.9% 9.93%
ROA 1.6% 1.7% 1.6% 1.4% 1.1% 0.9% 0.7% 0.5% 0.4% 0.3% 0.3% 0.3% 0.3% 0.4% 0.4% 0.5% 0.6% 0.7% 0.8% 0.9% 0.88%
ROIC 40.5% 41.2% 28.9% 19.4% 13.1% 8.5% 7.1% 4.9% 3.3% 2.3% 3.0% 3.1% 3.3% 2.8% 3.3% 4.2% 5.1% 6.4% 6.6% 19.8% 19.84%
ROCE 16.0% 16.8% 15.9% 12.9% 10.7% 6.8% 6.1% 4.4% 2.9% 2.6% 2.7% 2.8% 2.8% 3.1% 3.5% 4.2% 4.9% 5.8% 6.4% 6.7% 6.68%
Gross Margin 1.2% 1.1% 91.2% 86.2% 80.9% 63.6% 51.1% 45.5% 45.0% 43.5% 42.1% 41.7% 43.7% 47.2% 48.8% 50.2% 51.7% 54.1% 96.2% 56.5% 56.54%
Operating Margin 66.3% 60.7% 37.6% 32.1% 33.1% 19.5% 8.8% 7.2% 10.5% 10.4% 6.6% 7.2% 10.5% 12.8% 13.1% 15.4% 19.3% 22.2% 36.9% 23.5% 23.46%
Net Margin 50.6% 46.5% 29.1% 24.2% 25.0% 15.1% 6.7% 5.4% 8.2% 8.1% 4.9% 5.5% 8.1% 10.4% 10.0% 11.8% 14.8% 17.1% 29.3% 18.2% 18.16%
EBITDA Margin 68.2% 63.4% 39.7% 34.6% 36.6% 22.7% 11.7% 9.8% 13.0% 12.7% 9.0% 9.5% 12.8% 15.0% 15.3% 17.5% 21.7% 23.5% 39.7% 25.2% 25.18%
FCF Margin 53.3% 48.8% 42.5% 30.9% 36.1% 28.6% 25.3% 16.0% 13.0% 8.8% 6.1% 11.2% 15.9% 9.2% 14.1% 17.0% 11.4% 13.3% 16.0% 18.6% 18.55%
OCF Margin 73.5% 73.8% 70.3% 52.9% 55.8% 39.5% 31.1% 19.6% 14.1% 9.4% 6.8% 11.6% 16.2% 9.6% 14.4% 17.3% 11.6% 13.6% 16.4% 19.5% 19.48%
ROE 3Y Avg snapshot only 6.47%
ROE 5Y Avg snapshot only 8.06%
ROA 3Y Avg snapshot only 0.56%
ROIC Economic snapshot only 5.65%
Cash ROA snapshot only 0.88%
Cash ROIC snapshot only 20.65%
CROIC snapshot only 19.67%
NOPAT Margin snapshot only 18.71%
Pretax Margin snapshot only 24.12%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 27.40%
SBC / Revenue snapshot only 1.16%
Valuation
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
P/E Ratio 9.89 10.78 9.29 8.52 9.43 12.68 10.42 10.47 14.74 22.33 19.52 17.27 19.59 20.78 14.61 14.15 13.64 13.78 12.92 14.38 12.376
P/S Ratio 4.27 4.76 3.84 3.17 2.88 2.90 1.77 1.28 1.26 1.60 1.31 1.15 1.31 1.51 1.24 1.43 1.61 1.86 2.20 2.69 2.681
P/B Ratio 1.61 1.81 1.48 1.24 1.17 1.25 0.83 0.66 0.72 0.96 0.82 0.75 0.84 0.98 0.79 0.90 1.00 1.14 1.19 1.26 1.250
P/FCF 8.01 9.77 9.03 10.26 7.98 10.16 7.02 8.03 9.74 18.27 21.28 10.26 8.22 16.43 8.82 8.40 14.21 14.01 13.73 14.50 14.502
P/OCF 5.82 6.45 5.46 5.99 5.16 7.34 5.69 6.53 8.96 16.98 19.17 9.90 8.05 15.79 8.63 8.26 13.92 13.74 13.43 13.81 13.814
EV/EBITDA 4.61 5.37 4.77 4.97 6.40 9.99 8.02 9.72 15.02 25.39 17.48 15.94 16.02 22.36 17.37 14.74 13.39 11.99 12.20 5.74 5.742
EV/Revenue 2.69 3.21 2.67 2.53 2.74 3.28 2.04 1.86 2.09 3.01 1.95 1.75 1.76 2.59 2.28 2.23 2.34 2.35 2.93 1.50 1.497
EV/EBIT 4.80 5.58 4.96 5.21 6.85 10.95 9.12 11.57 18.77 32.41 22.36 20.24 20.24 27.76 20.90 17.19 15.31 13.33 13.33 6.21 6.206
EV/FCF 5.04 6.58 6.29 8.20 7.59 11.48 8.08 11.65 16.13 34.42 31.79 15.64 11.08 28.14 16.18 13.13 20.60 17.67 18.29 8.07 8.068
Earnings Yield 10.1% 9.3% 10.8% 11.7% 10.6% 7.9% 9.6% 9.5% 6.8% 4.5% 5.1% 5.8% 5.1% 4.8% 6.8% 7.1% 7.3% 7.3% 7.7% 7.0% 6.95%
FCF Yield 12.5% 10.2% 11.1% 9.7% 12.5% 9.8% 14.3% 12.4% 10.3% 5.5% 4.7% 9.7% 12.2% 6.1% 11.3% 11.9% 7.0% 7.1% 7.3% 6.9% 6.90%
PEG Ratio snapshot only 0.234
Price/Tangible Book snapshot only 1.259
EV/OCF snapshot only 7.685
EV/Gross Profit snapshot only 2.459
Acquirers Multiple snapshot only 6.206
Shareholder Yield snapshot only 0.00%
Graham Number snapshot only $68.12
Leverage & Solvency
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Current Ratio 0.08 0.08 0.06 0.06 0.04 0.05 0.04 0.04 0.05 0.01 0.04 0.04 0.05 0.01 0.01 0.02 0.03 0.04 0.03 0.13 0.131
Quick Ratio 0.08 0.08 0.06 0.06 0.04 0.05 0.04 0.04 0.05 0.01 0.04 0.04 0.05 0.01 0.01 0.02 0.03 0.04 0.03 0.13 0.131
Debt/Equity 0.14 0.13 0.13 0.30 0.33 0.72 0.54 0.72 1.02 1.00 0.88 0.87 0.81 0.80 0.78 0.77 0.74 0.72 0.70 0.56 0.560
Net Debt/Equity -0.60 -0.59 -0.45 -0.25 -0.06 0.16 0.13 0.30 0.47 0.85 0.40 0.39 0.29 0.70 0.66 0.50 0.45 0.30 0.40 -0.56 -0.559
Debt/Assets 0.01 0.01 0.01 0.03 0.03 0.06 0.04 0.05 0.08 0.08 0.07 0.07 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.05 0.054
Debt/EBITDA 0.62 0.57 0.60 1.53 1.93 5.05 4.52 7.26 12.99 14.00 12.51 12.14 11.43 10.72 9.39 8.07 6.87 6.02 5.37 4.59 4.593
Net Debt/EBITDA -2.72 -2.61 -2.08 -1.25 -0.33 1.15 1.06 3.02 5.95 11.92 5.78 5.48 4.13 9.30 7.91 5.31 4.15 2.48 3.04 -4.58 -4.579
Interest Coverage 8.79 11.19 11.12 8.63 4.48 1.90 0.86 0.43 0.24 0.17 0.15 0.15 0.15 0.17 0.20 0.25 0.31 0.37 0.43 0.49 0.494
Equity Multiplier 10.48 10.53 11.03 11.63 11.95 12.54 13.16 13.27 13.23 12.98 13.02 12.89 12.78 12.37 12.69 12.47 12.23 11.94 12.07 10.39 10.392
Cash Ratio snapshot only 0.129
Debt Service Coverage snapshot only 0.534
Cash to Debt snapshot only 1.997
FCF to Debt snapshot only 0.155
Defensive Interval snapshot only 2374.9 days
Efficiency & Turnover
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Asset Turnover 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.047
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover — — 28.13 29.82 29.36 — 36.77 41.91 43.36 — — — — — — — — 38.07 — — —
Payables Turnover — — — — — — — — — — — — — — — — — — — — —
DSO 0 0 13 12 12 0 10 9 8 0 0 0 0 0 0 0 0 10 0 0 0.0 days
DIO 0 — — — 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0 days
DPO 0 — — — 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 —
Cash Conversion Cycle 0 — — — 12 0 10 9 8 0 0 0 0 0 0 0 0 10 0 0 —
Fixed Asset Turnover snapshot only 2.405
Cash Velocity snapshot only 0.418
Capital Intensity snapshot only 22.208
Growth (YoY)
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Revenue -12.1% 0.3% 1.8% 9.9% 16.4% 20.3% 30.7% 40.5% 47.7% 47.3% 41.3% 32.8% 22.4% 13.8% 8.6% 4.8% 4.7% 5.3% -4.4% -2.3% -2.31%
Net Income 1.6% 1.5% 71.4% 30.9% -17.7% -37.7% -46.2% -53.8% -58.6% -53.9% -44.5% -27.7% -4.6% 15.7% 38.0% 58.5% 85.8% 95.5% 91.5% 81.2% 81.19%
EPS 1.5% 1.5% 67.5% 30.0% -18.3% -37.8% -46.2% -53.8% -58.6% -53.9% -44.8% -28.3% -4.8% 15.1% 38.5% 58.7% 86.0% 95.4% 87.2% 58.2% 58.15%
FCF 3.6% 2.9% 75.5% -6.6% -21.3% -29.5% -22.3% -27.3% -46.9% -54.9% -65.7% -6.7% 50.2% 19.7% 1.5% 58.8% -25.2% 52.1% 8.7% 6.6% 6.64%
EBITDA 1.4% 1.4% 68.5% 31.3% -14.7% -33.8% -40.7% -47.3% -52.0% -46.8% -38.0% -23.6% -3.3% 11.1% 27.6% 44.2% 66.4% 78.1% 75.0% 68.1% 68.13%
Op. Income 1.6% 1.6% 72.5% 32.1% -17.0% -37.3% -45.7% -53.6% -58.9% -54.3% -44.9% -28.4% -4.3% 14.3% 35.7% 56.9% 83.8% 98.9% 92.7% 81.5% 81.50%
OCF Growth snapshot only 10.06%
Asset Growth snapshot only 9.10%
Equity Growth snapshot only 30.92%
Debt Growth snapshot only -4.34%
Shares Change snapshot only 14.57%
Growth (CAGR)
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Revenue 3Y 7.0% 6.8% 5.3% 4.3% 4.0% 5.3% 8.3% 10.9% 14.8% 21.1% 23.4% 27.0% 28.1% 26.4% 26.1% 25.0% 23.7% 20.9% 13.6% 10.8% 10.76%
Revenue 5Y 10.6% 11.3% 11.2% 11.3% 11.5% 12.5% 13.6% 14.9% 16.1% 16.6% 16.6% 16.2% 15.2% 14.3% 14.2% 13.7% 14.1% 16.3% 14.3% 16.0% 15.98%
EPS 3Y 31.1% 26.2% 22.4% 17.1% 9.2% 0.4% -2.1% -5.8% -5.5% -10.8% -20.7% -24.5% -31.5% -30.9% -25.6% -19.3% -9.9% 1.2% 12.7% 21.6% 21.61%
EPS 5Y 23.7% 24.7% 23.3% 22.9% 19.1% 16.4% 8.6% 1.5% -5.3% -10.4% -11.4% -11.9% -12.5% -11.7% -6.4% -1.0% 8.4% 9.8% 5.2% 1.5% 1.54%
Net Income 3Y 32.6% 28.0% 24.3% 18.4% 10.4% 1.5% -1.1% -4.8% -4.5% -9.9% -20.0% -24.1% -31.3% -30.7% -25.6% -19.1% -9.8% 1.4% 13.6% 27.6% 27.59%
Net Income 5Y 28.0% 29.1% 27.5% 25.1% 20.1% 17.4% 9.5% 2.3% -4.5% -9.6% -10.5% -11.1% -11.9% -11.0% -5.8% -0.2% 9.1% 10.6% 6.2% 4.7% 4.68%
EBITDA 3Y 25.5% 27.5% 23.9% 18.9% 11.8% 3.8% 2.4% -0.8% 0.1% -5.1% -14.8% -19.1% -26.5% -26.8% -22.3% -16.6% -8.2% 1.7% 11.4% 22.8% 22.82%
EBITDA 5Y 23.1% 23.9% 22.6% 20.5% 16.2% 10.7% 5.6% 0.8% -4.1% -6.1% -6.9% -7.5% -8.3% -7.9% -3.2% 1.5% 10.0% 11.1% 6.7% 5.1% 5.09%
Gross Profit 3Y 14.8% 18.1% 16.8% 14.6% 11.1% 7.5% 7.8% 7.7% 9.3% 12.3% 6.9% 2.8% -3.3% -6.1% -4.8% -2.8% 0.8% 4.4% 8.0% 12.0% 12.04%
Gross Profit 5Y 14.9% 16.9% 16.6% 15.8% 13.7% 11.7% 9.6% 7.6% 5.7% 4.7% 4.2% 3.7% 3.0% 2.7% 4.8% 7.0% 10.4% 13.6% 11.3% 9.5% 9.51%
Op. Income 3Y 26.4% 28.5% 24.7% 19.3% 11.3% 2.4% 0.1% -4.2% -4.2% -9.9% -19.8% -24.0% -31.2% -31.1% -26.0% -19.5% -10.3% 1.3% 13.0% 26.8% 26.82%
Op. Income 5Y 23.6% 24.4% 23.1% 20.9% 16.1% 10.0% 4.1% -1.5% -7.2% -9.5% -10.3% -10.8% -11.5% -10.9% -5.6% -0.2% 9.1% 10.7% 6.2% 4.6% 4.58%
FCF 3Y 29.9% 20.1% 7.7% 49.2% — 54.5% — 29.5% 24.2% 7.1% -22.4% -14.1% -14.4% -27.5% -12.7% 2.5% -15.8% -6.3% -2.4% 16.5% 16.46%
FCF 5Y 32.9% 34.6% 15.7% 19.3% 22.4% 25.2% 22.9% -2.0% -1.8% -11.2% -19.7% 17.6% — 14.8% — 26.3% 16.6% 17.5% 4.9% 1.4% 1.39%
OCF 3Y 39.3% 35.0% 25.4% 65.1% 1.2% 40.1% 1.9% 14.4% 14.6% -5.0% -27.0% -22.9% -22.6% -36.0% -25.7% -13.9% -26.7% -15.4% -8.3% 10.5% 10.46%
OCF 5Y 32.5% 35.5% 21.4% 22.6% 25.5% 24.0% 21.4% 0.3% -2.3% -11.1% -18.8% 13.0% 40.4% 2.2% 76.2% 12.9% 9.7% 8.1% -0.6% -4.7% -4.68%
Assets 3Y 14.4% 15.5% 15.1% 15.8% 16.0% 17.6% 18.4% 17.3% 17.5% 17.8% 16.8% 15.7% 14.5% 11.8% 11.7% 9.4% 8.2% 6.1% 5.1% 5.5% 5.51%
Assets 5Y 16.6% 16.9% 15.9% 16.4% 17.2% 17.8% 17.9% 17.5% 16.7% 16.4% 15.3% 14.2% 13.7% 12.5% 12.5% 11.7% 11.9% 12.1% 12.2% 12.1% 12.14%
Equity 3Y 16.7% 16.9% 15.4% 14.2% 13.2% 12.7% 12.5% 11.7% 11.6% 11.0% 9.6% 8.2% 7.1% 5.9% 6.6% 6.9% 7.4% 7.8% 8.2% 14.5% 14.47%
Book Value 3Y 15.4% 15.3% 13.7% 12.9% 11.9% 11.5% 11.4% 10.6% 10.4% 9.9% 8.6% 7.6% 6.8% 5.7% 6.6% 6.6% 7.3% 7.5% 7.3% 9.1% 9.11%
Dividend 3Y — — — — — — — — — — — — — — — — — — — — —
Growth Quality
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Revenue Stability 0.78 0.82 0.80 0.72 0.71 0.82 0.81 0.73 0.71 0.74 0.75 0.74 0.74 0.77 0.80 0.82 0.86 0.92 0.87 0.88 0.884
Earnings Stability 0.62 0.64 0.84 0.90 0.63 0.43 0.36 0.17 0.03 0.00 0.03 0.09 0.11 0.16 0.21 0.17 0.08 0.04 0.04 0.01 0.012
Margin Stability 0.81 0.78 0.81 0.84 0.81 0.78 0.80 0.78 0.72 0.68 0.70 0.69 0.65 0.63 0.63 0.64 0.67 0.74 0.79 0.75 0.746
Rev. Growth Consistency 0.00 0.50 0.50 0.50 0.50 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0.00 0.00 0.000
Earn. Growth Consistency 0.50 0.50 1.00 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50 0.50 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 0.50 0.50 0.50 0.88 0.93 0.85 0.82 0.50 0.50 0.50 0.82 0.89 0.98 0.94 0.85 0.50 0.50 0.50 0.50 0.50 0.500
Earnings Smoothness 0.12 0.13 0.47 0.73 0.81 0.54 0.40 0.26 0.17 0.26 0.43 0.68 0.95 0.85 0.68 0.55 0.40 0.35 0.37 0.42 0.423
ROE Trend 0.06 0.06 0.05 0.03 0.00 -0.03 -0.05 -0.07 -0.09 -0.09 -0.08 -0.06 -0.04 -0.02 -0.01 0.01 0.03 0.04 0.04 0.03 0.034
Gross Margin Trend 0.33 0.40 0.37 0.28 0.12 -0.03 -0.18 -0.32 -0.45 -0.47 -0.43 -0.37 -0.28 -0.19 -0.11 -0.03 0.03 0.06 0.15 0.16 0.156
FCF Margin Trend 0.49 0.38 0.34 0.08 0.04 -0.02 -0.08 -0.18 -0.32 -0.30 -0.28 -0.12 -0.09 -0.09 -0.02 0.03 -0.03 0.04 0.06 0.04 0.044
Sustainable Growth Rate 17.9% 18.5% 17.1% 15.4% 12.9% 10.2% 8.3% 6.5% 5.0% 4.4% 4.3% 4.4% 4.5% 4.8% 5.6% 6.6% 7.7% 8.7% 9.8% 9.9% 9.93%
Internal Growth Rate 1.7% 1.8% 1.6% 1.4% 1.2% 0.9% 0.7% 0.5% 0.4% 0.3% 0.3% 0.3% 0.3% 0.4% 0.4% 0.5% 0.6% 0.7% 0.8% 0.9% 0.89%
Cash Flow Quality
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
OCF/Net Income 1.70 1.67 1.70 1.42 1.83 1.73 1.83 1.60 1.64 1.31 1.02 1.74 2.43 1.32 1.69 1.71 0.98 1.00 0.96 1.04 1.041
FCF/OCF 0.73 0.66 0.61 0.58 0.65 0.72 0.81 0.81 0.92 0.93 0.90 0.96 0.98 0.96 0.98 0.98 0.98 0.98 0.98 0.95 0.953
FCF/Net Income snapshot only 0.991
OCF/EBITDA snapshot only 0.747
CapEx/Revenue 20.1% 25.1% 27.8% 22.0% 19.7% 11.0% 5.9% 3.7% 1.1% 0.7% 0.7% 0.4% 0.3% 0.4% 0.3% 0.3% 0.2% 0.3% 0.4% 0.9% 0.92%
CapEx/Depreciation snapshot only 0.474
Accruals Ratio -0.01 -0.01 -0.01 -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 0.00 -0.00 0.00 -0.00 -0.000
Sloan Accruals snapshot only 0.027
Cash Flow Adequacy snapshot only 21.073
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Dividend Yield 0.0% 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%
Dividend/Share $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 $0.00
Payout Ratio 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%
FCF Payout Ratio 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 Payout Ratio 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%
Div. Increase Streak — — — — — — — — — — — — — — — — — — — — —
Chowder Number — — — — — — — — — — — — — — — — — — — — —
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% -0.1% -0.1% -0.2% -0.2% -0.1% -0.1% -0.1% -0.2% -0.3% -0.5% -0.7% -11.3% -11.30%
Total Shareholder Return 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -0.1% -0.1% -0.2% -0.2% -0.1% -0.1% -0.1% -0.2% -0.3% -0.5% -0.7% -11.3% -11.30%
DuPont Factors
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Tax Burden (NI/EBT) 0.77 0.77 0.77 0.76 0.76 0.76 0.76 0.76 0.77 0.77 0.77 0.77 0.77 0.78 0.78 0.78 0.77 0.77 0.77 0.78 0.776
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 0.56 0.58 0.54 0.49 0.40 0.30 0.22 0.16 0.11 0.09 0.09 0.09 0.09 0.09 0.11 0.13 0.15 0.18 0.22 0.24 0.241
Asset Turnover 0.04 0.04 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 0.05 0.05 0.05 0.047
Equity Multiplier 10.87 10.68 10.91 11.11 11.25 11.56 12.13 12.48 12.61 12.76 13.09 13.08 13.00 12.67 12.85 12.67 12.50 12.15 12.36 11.29 11.292
Per Share
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
EPS (Diluted TTM) $5.41 $5.80 $5.47 $5.12 $4.42 $3.61 $2.95 $2.36 $1.83 $1.66 $1.63 $1.69 $1.74 $1.91 $2.25 $2.69 $3.23 $3.74 $4.22 $4.25 $4.25
Book Value/Share $33.16 $34.49 $34.40 $35.09 $35.68 $36.49 $36.99 $37.37 $37.65 $38.67 $38.72 $39.15 $40.37 $40.71 $41.62 $42.47 $44.10 $45.38 $45.75 $48.53 $49.02
Tangible Book/Share $33.16 $34.49 $34.40 $35.09 $35.68 $36.49 $36.99 $37.37 $37.65 $38.67 $38.72 $39.15 $40.37 $40.71 $41.62 $42.47 $44.10 $45.38 $45.75 $48.53 $48.53
Revenue/Share $12.52 $13.12 $13.25 $13.76 $14.47 $15.77 $17.33 $19.30 $21.35 $23.20 $24.33 $25.40 $26.07 $26.28 $26.52 $26.63 $27.34 $27.65 $24.80 $22.71 $22.96
FCF/Share $6.68 $6.40 $5.63 $4.25 $5.22 $4.50 $4.38 $3.08 $2.77 $2.03 $1.49 $2.85 $4.15 $2.42 $3.73 $4.53 $3.10 $3.68 $3.97 $4.21 $4.17
OCF/Share $9.20 $9.69 $9.31 $7.28 $8.07 $6.23 $5.40 $3.79 $3.01 $2.18 $1.66 $2.95 $4.23 $2.52 $3.81 $4.60 $3.17 $3.75 $4.06 $4.42 $4.37
Cash/Share $24.33 $24.90 $19.90 $19.44 $13.96 $20.19 $15.27 $15.67 $20.90 $5.73 $18.26 $18.64 $20.90 $4.30 $5.17 $11.15 $12.97 $19.15 $13.82 $54.30 $57.91
EBITDA/Share $7.30 $7.83 $7.43 $7.01 $6.19 $5.18 $4.41 $3.69 $2.97 $2.75 $2.71 $2.80 $2.87 $3.05 $3.48 $4.03 $4.77 $5.42 $5.95 $5.92 $5.92
Debt/Share $4.50 $4.48 $4.46 $10.70 $11.93 $26.17 $19.93 $26.80 $38.56 $38.53 $33.94 $33.95 $32.75 $32.64 $32.66 $32.57 $32.79 $32.61 $31.94 $27.19 $27.19
Net Debt/Share $-19.83 $-20.41 $-15.44 $-8.75 $-2.03 $5.98 $4.65 $11.13 $17.66 $32.80 $15.68 $15.31 $11.85 $28.34 $27.49 $21.42 $19.81 $13.46 $18.13 $-27.11 $-27.11
Academic Models
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Altman-B Score — — — — — — — — — — — — — — — — — — — — 2.362
Altman Z-Prime snapshot only -4.372
Piotroski F-Score 7 6 5 4 4 4 5 4 5 4 5 5 5 7 8 8 7 8 6 7 7
Beneish M-Score -2.88 -2.85 -2.42 -2.20 -2.00 -1.57 -2.46 -2.36 -2.44 -1.77 -2.09 -2.25 -1.78 -2.66 -2.35 -2.38 -2.22 -2.47 -6.91 -4.57 -4.568
Ohlson O-Score snapshot only -3.503
Net-Net WC snapshot only $-400.61
EVA snapshot only $19636100.00
Credit
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Credit Rating snapshot only BB+
Credit Score 77.21 77.26 78.16 74.23 71.40 41.26 40.13 34.75 29.84 30.21 29.18 29.64 31.20 31.99 33.70 38.01 34.53 38.58 37.53 48.12 48.119
Credit Grade snapshot only 11
Credit Trend snapshot only 10.113
Implied Spread (bps) snapshot only 400.000
Industry Credit Rank snapshot only 33
Sector Credit Rank snapshot only 33

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