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.

★ ★ ★ ★ ★ 22 Grade C

Profitability

18

Balance Sheet

44

Earnings Quality

82

Growth

51

Value

41

Momentum

49

Safety

65

Cash Flow

12

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. TCBC scores highest in Earnings Quality (82/100) and lowest in Cash Flow (12/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

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

Altman-B Score

2.75

Grey Zone

Piotroski F-Score

5/9

✗ ✓ ✗ ✓ ✗ ✓ ✓ ✗ ✓

Beneish M-Score

-2.93

Unlikely Manipulator

Ohlson O-Score

-3.35

Bankruptcy prob: 3.4%

Low Risk

Credit Rating

BB-

Score: 36.8/100

Trend: Deteriorating

Earnings Quality

—

OCF/NI: -16.86x

Accruals: -0.2%

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. TCBC scores 2.75, 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. TCBC scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. TCBC's score of -2.93 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. TCBC's implied 3.4% 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. TCBC receives an estimated rating of BB- (score: 36.8/100), with a deteriorating trend.

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

34.92x

PEG

0.01x

P/S

3.93x

P/B

1.15x

P/FCF

-115.91x

P/OCF

80.12x

EV/EBITDA

79.10x

EV/Revenue

2.11x

EV/EBIT

-901.23x

EV/FCF

-94.91x

Earnings Yield

-0.07%

FCF Yield

-0.86%

Shareholder Yield

16.35%

Graham Number

—

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 34.9x earnings, TCBC commands a growth premium.

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

0.815

NI / EBT

×

Interest Burden

1.000

EBT / EBIT

×

EBIT Margin

-0.002

EBIT / Rev

×

Asset Turnover

0.051

Rev / Assets

×

Equity Multiplier

5.525

Assets / Equity

=

ROE

-0.1%

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. TCBC's ROE of -0.1% is driven by financial leverage (equity multiplier: 5.53x). 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

—

Price/Value

—

Margin of Safety

—

Premium

—

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 1098 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$21.65

Median 1Y

$24.18

5th Pctile

$16.29

95th Pctile

$35.91

Ann. Volatility

24.0%

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

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	Current
ROE	0.7%	1.5%	2.3%	3.0%	3.2%	2.0%	1.6%	1.1%	0.2%	0.3%	-0.1%	-0.05%
ROA	0.2%	0.3%	0.5%	0.6%	0.7%	0.4%	0.3%	0.2%	0.0%	0.1%	-0.0%	-0.01%
ROIC	3.3%	22.4%	-23.5%	-22.3%	13.9%	6.8%	8.6%	3.6%	0.5%	1.1%	-0.1%	-0.06%
ROCE	0.9%	2.0%	3.1%	4.0%	4.2%	2.5%	2.3%	1.6%	0.4%	0.4%	-0.0%	-0.01%
Gross Margin	91.8%	95.7%	95.8%	94.3%	92.8%	84.6%	75.4%	71.6%	66.2%	59.0%	57.3%	57.26%
Operating Margin	18.8%	22.1%	23.3%	18.6%	20.4%	-3.3%	8.7%	3.5%	-2.3%	-2.5%	0.4%	0.40%
Net Margin	14.4%	16.6%	17.8%	14.3%	15.6%	-4.8%	6.4%	2.7%	-1.7%	-2.0%	0.4%	0.35%
EBITDA Margin	21.6%	25.3%	26.5%	21.8%	23.7%	1.8%	11.7%	5.7%	1.5%	1.0%	2.6%	2.58%
FCF Margin	22.6%	31.3%	29.2%	33.2%	29.9%	19.0%	32.5%	9.7%	6.7%	8.7%	-2.2%	-2.23%
OCF Margin	23.2%	31.8%	30.1%	34.1%	31.1%	20.5%	38.5%	19.5%	17.0%	18.4%	3.2%	3.22%
ROE 3Y Avg	snapshot only											1.30%
ROA 3Y Avg	snapshot only											0.27%
ROIC 3Y Avg	snapshot only											1.25%
ROIC Economic	snapshot only											-0.05%
Cash ROA	snapshot only											0.16%
Cash ROIC	snapshot only											1.11%
CROIC	snapshot only											-0.76%
NOPAT Margin	snapshot only											-0.19%
Pretax Margin	snapshot only											-0.23%
R&D / Revenue	snapshot only											0.00%
SGA / Revenue	snapshot only											37.06%
SBC / Revenue	snapshot only											4.26%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Current
P/E Ratio	87.66	38.38	33.70	25.15	25.41	41.22	50.97	72.15	420.27	228.77	-1350.97	34.919
P/S Ratio	12.63	5.95	5.47	3.96	4.08	4.17	3.81	3.43	3.04	2.77	2.58	3.928
P/B Ratio	0.62	0.58	0.78	0.76	0.81	0.85	0.83	0.82	0.78	0.76	0.76	1.149
P/FCF	55.90	19.02	18.74	11.94	13.63	21.93	11.73	35.32	45.27	31.89	-115.91	-115.911
P/OCF	54.34	18.68	18.14	11.63	13.11	20.36	9.90	17.61	17.84	15.08	80.12	80.116
EV/EBITDA	-36.33	-15.61	-9.04	-8.14	0.84	4.27	0.56	5.49	9.90	5.57	79.10	79.104
EV/Revenue	-7.85	-3.66	-2.21	-1.93	0.20	0.76	0.08	0.57	0.51	0.27	2.11	2.113
EV/EBIT	-41.68	-17.87	-10.33	-9.36	0.97	5.41	0.76	8.11	29.76	15.80	-901.23	-901.234
EV/FCF	-34.74	-11.72	-7.57	-5.83	0.68	3.99	0.25	5.86	7.66	3.10	-94.91	-94.914
Earnings Yield	1.1%	2.6%	3.0%	4.0%	3.9%	2.4%	2.0%	1.4%	0.2%	0.4%	-0.1%	-0.07%
FCF Yield	1.8%	5.3%	5.3%	8.4%	7.3%	4.6%	8.5%	2.8%	2.2%	3.1%	-0.9%	-0.86%
PEG Ratio	snapshot only											0.013
Price/Tangible Book	snapshot only											0.763
EV/OCF	snapshot only											65.603
EV/Gross Profit	snapshot only											3.344
Shareholder Yield	snapshot only											16.35%

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	Current
Current Ratio	0.30	0.29	0.32	0.30	0.22	0.23	0.23	0.21	0.19	0.18	0.24	0.239
Quick Ratio	0.30	0.29	0.32	0.30	0.22	0.23	0.23	0.21	0.19	0.18	0.24	0.239
Debt/Equity	0.00	0.00	0.00	0.00	0.00	0.13	0.02	0.08	0.09	0.16	0.17	0.168
Net Debt/Equity	-1.00	-0.93	-1.10	-1.14	-0.77	-0.70	-0.81	-0.69	-0.65	-0.69	-0.14	-0.138
Debt/Assets	0.00	0.00	0.00	0.00	0.00	0.03	0.00	0.02	0.02	0.03	0.03	0.028
Debt/EBITDA	0.00	0.00	0.00	0.00	0.00	3.56	0.73	3.37	6.55	12.36	21.26	21.258
Net Debt/EBITDA	-94.80	-40.93	-31.42	-24.80	-15.96	-19.23	-26.19	-27.63	-48.62	-51.77	-17.50	-17.500
Interest Coverage	3.35	4.15	4.54	4.50	4.38	1.80	0.81	0.37	0.07	0.05	-0.01	-0.007
Equity Multiplier	4.54	4.39	4.62	5.04	4.80	5.04	5.01	5.13	5.42	5.86	6.10	6.098
Cash Ratio	snapshot only											0.239
Debt Service Coverage	snapshot only											0.074
Cash to Debt	snapshot only											1.823
FCF to Debt	snapshot only											-0.039
Defensive Interval	snapshot only											595.9 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	Current
Asset Turnover	0.01	0.02	0.03	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.051
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	0.74	1.64	2.16	2.84	2.82	3.02	3.22	3.37	3.30	6.88	7.82	7.820
Payables Turnover	0.05	0.11	0.14	0.17	0.14	0.32	0.47	0.78	1.07	3.14	2.81	2.811
DSO	493	222	169	129	129	121	113	108	111	53	47	46.7 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	7771	3358	2590	2163	2604	1158	771	470	342	116	130	129.9 days
Cash Conversion Cycle	-7278	-3136	-2421	-2034	-2475	-1037	-658	-361	-231	-63	-83	-83.2 days
Fixed Asset Turnover	snapshot only											3.482
Cash Velocity	snapshot only											0.966
Capital Intensity	snapshot only											20.624

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	Current
Revenue	—	—	—	—	3.1%	1.1%	51.3%	21.1%	24.4%	26.2%	23.3%	23.27%
Net Income	—	—	—	—	3.5%	34.9%	-30.2%	-63.4%	-94.4%	-84.9%	-1.0%	-1.03%
EPS	—	—	—	—	2.6%	4.7%	-31.3%	-63.2%	-94.2%	-83.2%	-1.0%	-1.04%
FCF	—	—	—	—	4.4%	25.6%	68.6%	-64.6%	-72.1%	-42.4%	-1.1%	-1.08%
EBITDA	—	—	—	—	3.6%	56.1%	-11.7%	-47.3%	-73.4%	-65.7%	-76.9%	-76.89%
Op. Income	—	—	—	—	3.5%	41.0%	-25.0%	-58.9%	-89.8%	-84.6%	-1.0%	-1.03%
OCF Growth	snapshot only											-89.69%
Asset Growth	snapshot only											10.46%
Equity Growth	snapshot only											-9.33%
Debt Growth	snapshot only											5.69%
Shares Change	snapshot only											-12.33%
Dividend Growth	snapshot only											0.78%

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	Current
Revenue Stability	—	—	—	—	—	—	—	—	0.92	0.97	0.99	0.989
Earnings Stability	—	—	—	—	—	—	—	—	0.03	0.46	0.95	0.947
Margin Stability	—	—	—	—	—	—	—	—	0.87	0.83	0.80	0.801
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	0	0	0	0	1	1	1	1	1	1	0	0
Earnings Persistence	—	—	—	—	—	—	—	—	0.50	0.50	0.20	0.200
Earnings Smoothness	—	—	—	—	0.00	0.70	0.64	0.07	0.00	0.00	—	—
ROE Trend	—	—	—	—	—	—	—	—	-0.02	-0.01	-0.02	-0.020
Gross Margin Trend	—	—	—	—	—	—	—	—	-0.19	-0.25	-0.27	-0.271
FCF Margin Trend	—	—	—	—	—	—	—	—	-0.20	-0.16	-0.33	-0.331
Sustainable Growth Rate	0.7%	1.5%	2.3%	3.0%	3.2%	1.8%	1.0%	0.5%	-0.4%	-0.3%	—	—
Internal Growth Rate	0.2%	0.3%	0.5%	0.6%	0.7%	0.4%	0.2%	0.1%	—	—	—	—

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	Current
OCF/Net Income	1.61	2.05	1.86	2.16	1.94	2.02	5.15	4.10	23.56	15.17	-16.86	-16.863
FCF/OCF	0.97	0.98	0.97	0.97	0.96	0.93	0.84	0.50	0.39	0.47	-0.69	-0.691
FCF/Net Income	snapshot only											11.655
OCF/EBITDA	snapshot only											1.206
CapEx/Revenue	0.6%	0.6%	1.0%	0.9%	1.2%	1.5%	6.0%	9.8%	10.3%	9.7%	5.4%	5.45%
CapEx/Depreciation	snapshot only											1.875
Accruals Ratio	-0.00	-0.00	-0.00	-0.01	-0.01	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.002
Sloan Accruals	snapshot only											0.416
Cash Flow Adequacy	snapshot only											0.436

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	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.3%	0.7%	0.7%	0.8%	0.8%	0.8%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.05	$0.10	$0.10	$0.11	$0.11	$0.10	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	14.3%	36.2%	53.2%	3.3%	1.8%	—	—
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	7.6%	8.3%	26.1%	36.0%	24.9%	—	—
Total Payout Ratio	0.0%	0.0%	0.0%	0.0%	27.2%	80.7%	1.2%	4.4%	35.3%	29.3%	—	—
Div. Increase Streak	—	—	—	—	—	0	0	0	0	1	0	0
Chowder Number	—	—	—	—	—	—	—	—	—	0.89	-0.11	-0.109
Buyback Yield	0.0%	0.0%	0.0%	0.0%	1.1%	1.6%	1.6%	5.4%	7.6%	12.0%	15.6%	15.60%
Net Buyback Yield	0.0%	0.0%	0.0%	0.0%	1.1%	1.6%	1.6%	5.4%	7.6%	12.0%	15.6%	15.60%
Total Shareholder Return	0.0%	0.0%	0.0%	0.0%	1.1%	2.0%	2.4%	6.1%	8.4%	12.8%	16.4%	16.35%

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	Current
Tax Burden (NI/EBT)	0.77	0.76	0.76	0.76	0.76	0.72	0.71	0.68	0.42	0.71	0.81	0.815
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	1.000
EBIT Margin	0.19	0.21	0.21	0.21	0.21	0.14	0.11	0.07	0.02	0.02	-0.00	-0.002
Asset Turnover	0.01	0.02	0.03	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.051
Equity Multiplier	4.54	4.39	4.62	5.04	4.67	4.71	4.81	5.08	5.10	5.43	5.53	5.525

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	Current
EPS (Diluted TTM)	$0.16	$0.34	$0.41	$0.53	$0.55	$0.36	$0.28	$0.19	$0.03	$0.06	$-0.01	$-0.01
Book Value/Share	$22.15	$22.58	$17.60	$17.46	$17.38	$17.22	$17.26	$17.09	$17.15	$17.85	$17.85	$18.85
Tangible Book/Share	$22.15	$22.58	$17.60	$17.46	$17.38	$17.22	$17.26	$17.09	$17.15	$17.85	$17.85	$17.85
Revenue/Share	$1.08	$2.19	$2.52	$3.36	$3.45	$3.51	$3.75	$4.10	$4.42	$4.92	$5.28	$5.73
FCF/Share	$0.24	$0.68	$0.73	$1.12	$1.03	$0.67	$1.22	$0.40	$0.30	$0.43	$-0.12	$0.00
OCF/Share	$0.25	$0.70	$0.76	$1.15	$1.07	$0.72	$1.45	$0.80	$0.75	$0.90	$0.17	$0.00
Cash/Share	$22.10	$21.06	$19.33	$19.84	$13.39	$14.21	$14.40	$13.16	$12.66	$15.24	$5.46	$28.45
EBITDA/Share	$0.23	$0.51	$0.62	$0.80	$0.84	$0.62	$0.53	$0.42	$0.23	$0.24	$0.14	$0.14
Debt/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$2.22	$0.39	$1.43	$1.50	$2.94	$3.00	$3.00
Net Debt/Share	$-22.10	$-21.06	$-19.33	$-19.84	$-13.39	$-11.99	$-14.01	$-11.73	$-11.16	$-12.31	$-2.47	$-2.47

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	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	2.751
Altman Z-Prime	snapshot only											-0.599
Piotroski F-Score	4	4	4	4	6	5	4	5	5	5	5	5
Beneish M-Score	—	—	—	—	-2.34	-2.17	-2.23	-2.20	-2.23	-2.94	-2.93	-2.931
Ohlson O-Score	snapshot only											-3.348
Net-Net WC	snapshot only											$-85.53
EVA	snapshot only											$-6750549.62

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Current
Credit Rating	snapshot only											BB-
Credit Score	54.38	56.04	58.85	63.37	64.01	70.27	76.16	57.43	56.63	52.93	36.81	36.806
Credit Grade	snapshot only											13
Credit Trend	snapshot only											-39.350
Implied Spread (bps)	snapshot only											550.000
Industry Credit Rank	snapshot only											21
Sector Credit Rank	snapshot only											24

TCBC OTC

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

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