$131.21

+0.26 (+0.20%)

After Hours: $118.50 (-12.71, -9.69%)

Weekly Expected Move ±3.1%

$117 $121 $125 $129 $132

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 70 · $10.0B mcap · 72M float · 0.893% daily turnover · Short 69% 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

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

44.9 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 7.0% · 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. UMBF shows a Weak competitive edge (44.9/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 7.0% suggests modest returns relative to capital deployed.

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

$140

Low

$152

Avg Target

$170

High

Based on 5 analysts since Apr 28, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 9Hold: 8Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$151.80

Analysts5

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-04	Neuberger Berman	Brandon Berman	$124	$152	+28	+17.9%	$128.90
2026-05-01	Truist Financial	—	$150	$140	-10	+8.8%	$128.64
2026-04-30	RBC Capital	—	$134	$142	+8	+13.6%	$124.95
2026-04-30	Piper Sandler	—	$152	$155	+3	+24.8%	$124.22
2026-04-30	Barclays	—	$160	$170	+10	+36.9%	$124.22
2026-01-30	Truist Financial	Brian Foran	$128	$150	+22	+18.5%	$126.60
2026-01-29	Raymond James	—	$110	$145	+35	+16.3%	$124.66
2026-01-29	Piper Sandler	—	$145	$152	+7	+21.9%	$124.66
2026-01-29	Barclays	—	$155	$160	+5	+28.3%	$124.66
2026-01-12	RBC Capital	Jon Arfstrom	$128	$134	+6	+12.1%	$119.51
2025-10-30	Piper Sandler	—	$135	$145	+10	+33.4%	$108.68
2025-10-10	RBC Capital	Jon Arfstrom	Initiated	$128	—	+7.9%	$118.67
2025-10-08	Barclays	—	$150	$155	+5	+30.9%	$118.39
2025-09-29	Morgan Stanley	—	$156	$154	-2	+28.9%	$119.43
2025-09-29	Wells Fargo	—	$110	$130	+20	+8.9%	$119.43
2025-07-31	Barclays	Jared Shaw	$123	$150	+27	+35.4%	$110.80
2025-07-13	Neuberger Berman	Brandon Berman	$105	$124	+19	+12.5%	$110.21
2025-07-11	Truist Financial	Brian Foran	Initiated	$128	—	+16.1%	$110.21
2025-06-13	Piper Sandler	Nathan Race	Initiated	$135	—	+34.1%	$100.70
2025-05-01	Wells Fargo	Timur Braziler	$90	$110	+20	+12.5%	$97.78
2025-04-16	Neuberger Berman	Brandon Berman	Initiated	$105	—	+15.3%	$91.05
2024-11-21	Morgan Stanley	Brian Wilczynski	Initiated	$156	—	+67.1%	$93.35
2024-10-31	Barclays	Jared Shaw	$118	$123	+5	+10.7%	$111.14
2024-10-31	Citigroup	Benjamin Gerlinger	Initiated	$130	—	+17.0%	$111.14
2024-09-26	Barclays	Jared Shaw	$114	$118	+4	+13.9%	$103.62
2024-08-01	Barclays	Jared Shaw	$100	$114	+14	+11.7%	$102.02
2024-06-24	Barclays	Jared Shaw	$95	$100	+5	+25.6%	$79.60
2024-04-30	Barclays	Jared Shaw	Initiated	$95	—	+22.2%	$77.75
2024-04-30	Wells Fargo	Timur Braziler	$100	$90	-10	+15.8%	$77.75
2022-07-28	Raymond James	—	$108	$110	+2	+21.8%	$90.32
2022-07-07	Raymond James	—	$113	$108	-5	+21.7%	$88.75
2022-04-28	Wells Fargo	—	Initiated	$100	—	+8.7%	$92.02
2022-04-28	Raymond James	—	Initiated	$113	—	+19.5%	$94.58

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

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. UMBF receives an overall rating of A-. Strongest factors: DCF (5/5), ROE (4/5), ROA (4/5). Areas of concern: D/E (2/5).

Rating Change History

Date	From	To
2026-04-30	A	A-
2026-04-29	B+	A
2026-04-27	A-	B+
2026-04-01	B+	A-
2026-03-04	B	B+
2026-02-24	B+	B
2026-02-20	B	B+
2026-02-18	B+	B
2026-01-28	B	B+
2026-01-28	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.

★ ★ ★ ★ ★ 64 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. UMBF scores highest in Momentum (97/100) and lowest in Balance Sheet (30/100). An overall grade of A places UMBF 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

2.09

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-3.29

Unlikely Manipulator

Ohlson O-Score

0.06

Bankruptcy prob: 51.5%

High Risk

Credit Rating

BBB

Score: 59.1/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.16x

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. UMBF scores 2.09, 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. UMBF 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. UMBF's score of -3.29 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. UMBF's implied 51.5% bankruptcy probability signals significant financial distress. 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. UMBF receives an estimated rating of BBB (score: 59.1/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). UMBF'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

11.31x

PEG

0.27x

P/S

2.23x

P/B

1.27x

P/FCF

8.78x

P/OCF

8.40x

EV/EBITDA

10.53x

EV/Revenue

2.57x

EV/EBIT

12.27x

EV/FCF

11.68x

Earnings Yield

10.25%

FCF Yield

11.39%

Shareholder Yield

2.09%

Graham Number

$161.98

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 11.3x earnings, UMBF trades at a reasonable valuation. An earnings yield of 10.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $161.98 per share, suggesting a potential 23% 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

0.793

NI / EBT

Interest Burden

1.193

EBT / EBIT

EBIT Margin

0.209

EBIT / Rev

Asset Turnover

0.072

Rev / Assets

Equity Multiplier

11.067

Assets / Equity

ROE

15.8%

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. UMBF's ROE of 15.8% is driven by financial leverage (equity multiplier: 11.07x). 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

10.47%

Fair P/E

29.45x

Intrinsic Value

$340.55

Price/Value

0.33x

Margin of Safety

66.88%

Premium

-66.88%

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 UMBF's realized 10.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $340.55, UMBF appears undervalued with a 67% margin of safety. The adjusted fair P/E of 29.4x compares to the current market P/E of 11.3x.

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

$131.21

Median 1Y

$138.01

5th Pctile

$74.16

95th Pctile

$256.93

Ann. Volatility

36.8%

Analyst Target

$151.80

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
J. Mariner Kemper Chairman and CEO	$1,172,657	$5,499,760	$10,350,577
James D. Rine Vice Chairman and President; President and CEO of UMB	$778,354	$1,624,181	$4,404,989
Ram Shankar Financial Vice President and Chief Financial Officer	$526,726	$696,108	$2,380,386
Bank, n.a. Shannon A. Johnson Executive Vice President and Chief Administrative & Risk Officer	$523,359	$673,471	$2,355,572
Uma Wilson Information mation and Bank Products and Operations Officer and Executive Vice President	$490,503	$429,193	$1,904,854

CEO Pay Ratio

47:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $10,350,577

Avg Employee Cost (SGA/emp): $219,109

Employees: 5,222

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

5,222

+41.2% YoY

Revenue / Employee

$850,966

Rev: $4,443,743,000

Profit / Employee

$134,507

NI: $702,398,000

SGA / Employee

$219,109

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	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	14.6%	15.3%	11.5%	11.9%	13.5%	13.3%	14.9%	14.4%	12.8%	13.1%	12.1%	12.8%	13.1%	13.6%	13.4%	12.6%	16.1%	18.5%	12.6%	15.8%	15.82%
ROA	1.4%	1.4%	0.9%	1.0%	1.1%	1.1%	1.1%	1.0%	0.9%	0.9%	0.8%	0.9%	0.9%	1.0%	0.9%	0.9%	1.1%	1.3%	1.1%	1.4%	1.43%
ROIC	-5.7%	-6.0%	-2.4%	-2.5%	-2.9%	-2.8%	-12.6%	-12.2%	-10.9%	-11.1%	-5.8%	-6.1%	-6.2%	-6.5%	-4.5%	-4.2%	-5.4%	-6.1%	6.9%	7.0%	7.02%
ROCE	14.3%	15.2%	11.9%	12.3%	14.2%	14.0%	15.6%	15.2%	13.3%	13.6%	9.0%	9.4%	9.8%	10.1%	12.6%	11.7%	15.1%	17.5%	11.0%	11.4%	11.43%
Gross Margin	89.0%	97.9%	93.8%	98.5%	90.7%	77.9%	71.7%	62.6%	55.9%	55.4%	55.7%	54.6%	52.1%	51.3%	55.2%	49.9%	60.2%	44.3%	66.4%	61.6%	61.63%
Operating Margin	33.2%	37.0%	31.1%	39.2%	43.4%	27.1%	26.8%	21.9%	19.5%	20.9%	13.4%	20.9%	19.8%	20.1%	21.3%	10.9%	27.1%	15.9%	27.2%	14.6%	14.59%
Net Margin	27.0%	30.7%	24.8%	33.1%	34.4%	21.9%	21.7%	18.2%	16.0%	16.9%	11.8%	17.2%	15.8%	16.3%	17.6%	9.6%	21.4%	12.6%	19.8%	30.2%	30.15%
EBITDA Margin	37.4%	41.5%	35.5%	43.3%	46.7%	30.5%	29.9%	25.0%	22.1%	23.5%	15.8%	23.0%	21.8%	22.0%	23.2%	14.4%	30.8%	20.4%	29.6%	17.3%	17.29%
FCF Margin	30.8%	36.2%	40.3%	45.6%	54.1%	52.1%	45.3%	29.5%	24.1%	23.4%	19.9%	21.3%	19.1%	14.0%	7.6%	17.6%	20.7%	20.0%	22.0%	22.0%	21.99%
OCF Margin	33.9%	38.8%	43.0%	48.4%	56.7%	55.4%	48.6%	32.5%	26.8%	25.3%	21.1%	22.2%	19.8%	14.7%	8.5%	18.7%	21.9%	21.1%	23.1%	23.0%	22.98%
ROE 3Y Avg	snapshot only																				11.74%
ROE 5Y Avg	snapshot only																				12.51%
ROA 3Y Avg	snapshot only																				0.95%
ROIC 3Y Avg	snapshot only																				6.37%
ROIC Economic	snapshot only																				6.49%
Cash ROA	snapshot only																				1.40%
Cash ROIC	snapshot only																				9.72%
CROIC	snapshot only																				9.30%
NOPAT Margin	snapshot only																				16.59%
Pretax Margin	snapshot only																				24.96%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				28.52%
SBC / Revenue	snapshot only																				0.86%

Valuation

Metric	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	10.25	10.17	13.70	12.13	9.46	9.44	8.95	6.41	7.66	7.69	11.30	11.26	10.54	12.92	12.39	15.89	15.07	14.63	12.53	9.75	11.305
P/S Ratio	3.16	3.27	3.89	3.50	2.93	2.69	2.44	1.51	1.47	1.39	1.76	1.74	1.63	1.98	2.07	2.30	2.47	2.20	1.98	1.93	2.234
P/B Ratio	1.39	1.45	1.54	1.41	1.25	1.23	1.45	1.01	1.06	1.09	1.28	1.34	1.29	1.63	1.58	1.89	2.30	2.56	1.14	1.12	1.275
P/FCF	10.27	9.01	9.67	7.69	5.42	5.17	5.38	5.13	6.08	5.94	8.88	8.17	8.54	14.10	27.20	13.06	11.96	11.02	8.99	8.78	8.776
P/OCF	9.34	8.41	9.06	7.23	5.17	4.86	5.02	4.66	5.47	5.48	8.37	7.86	8.23	13.43	24.28	12.31	11.29	10.40	8.57	8.40	8.397
EV/EBITDA	-11.00	-10.13	-26.58	-26.55	-24.36	-24.72	-3.79	-5.92	-6.33	-6.04	-10.85	-10.03	-10.01	-7.73	-13.25	-11.94	-7.25	-4.97	10.98	10.53	10.530
EV/Revenue	-4.57	-4.38	-10.38	-10.47	-10.25	-9.63	-1.40	-1.92	-1.67	-1.50	-2.32	-2.12	-2.11	-1.61	-2.98	-2.38	-1.67	-1.10	2.62	2.57	2.568
EV/EBIT	-12.33	-11.25	-30.03	-29.82	-26.94	-27.34	-4.17	-6.57	-7.14	-6.81	-12.37	-11.32	-11.23	-8.60	-14.54	-13.56	-8.29	-5.95	12.94	12.27	12.271
EV/FCF	-14.84	-12.08	-25.75	-22.98	-18.94	-18.48	-3.09	-6.51	-6.94	-6.44	-11.70	-9.92	-11.06	-11.43	-39.14	-13.54	-8.08	-5.53	11.90	11.68	11.679
Earnings Yield	9.8%	9.8%	7.3%	8.2%	10.6%	10.6%	11.2%	15.6%	13.1%	13.0%	8.8%	8.9%	9.5%	7.7%	8.1%	6.3%	6.6%	6.8%	8.0%	10.3%	10.25%
FCF Yield	9.7%	11.1%	10.3%	13.0%	18.5%	19.4%	18.6%	19.5%	16.5%	16.8%	11.3%	12.2%	11.7%	7.1%	3.7%	7.7%	8.4%	9.1%	11.1%	11.4%	11.39%
PEG Ratio	snapshot only																				0.272
Price/Tangible Book	snapshot only																				1.604
EV/OCF	snapshot only																				11.174
EV/Gross Profit	snapshot only																				4.531
Acquirers Multiple	snapshot only																				12.271
Shareholder Yield	snapshot only																				2.09%
Graham Number	snapshot only																				$161.98

Leverage & Solvency

Metric	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	0.44	0.44	0.55	0.55	0.55	0.55	0.26	0.26	0.26	0.26	0.34	0.34	0.34	0.34	0.36	0.36	0.36	0.36	0.01	0.01	0.015
Quick Ratio	0.44	0.44	0.55	0.55	0.55	0.55	0.26	0.26	0.26	0.26	0.34	0.34	0.34	0.34	0.36	0.36	0.36	0.36	0.01	0.01	0.015
Debt/Equity	0.86	0.86	1.12	1.12	1.12	1.12	0.98	0.98	0.98	0.98	1.13	1.13	1.13	1.13	0.86	0.86	0.86	0.86	0.49	0.49	0.494
Net Debt/Equity	-3.40	-3.40	-5.63	-5.63	-5.63	-5.63	-2.28	-2.28	-2.28	-2.28	-2.96	-2.96	-2.96	-2.96	-3.85	-3.85	-3.85	-3.85	0.37	0.37	0.370
Debt/Assets	0.08	0.08	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.08	0.08	0.08	0.08	0.06	0.06	0.06	0.06	0.05	0.05	0.052
Debt/EBITDA	4.69	4.46	7.24	7.02	6.20	6.26	4.44	4.53	5.08	4.97	7.29	6.99	6.78	6.59	5.04	5.27	4.04	3.34	3.58	3.49	3.493
Net Debt/EBITDA	-18.62	-17.68	-36.56	-35.44	-31.33	-31.63	-10.38	-10.59	-11.88	-11.61	-19.09	-18.30	-17.75	-17.26	-22.45	-23.45	-17.99	-14.87	2.69	2.62	2.617
Interest Coverage	10.09	10.96	9.33	9.77	8.85	4.48	2.38	1.37	0.77	0.60	0.46	0.43	0.42	0.41	0.46	0.41	0.49	0.53	0.60	0.63	0.629
Equity Multiplier	10.98	10.98	13.57	13.57	13.57	13.57	14.44	14.44	14.44	14.44	14.20	14.20	14.20	14.20	14.54	14.54	14.54	14.54	9.50	9.50	9.501
Cash Ratio	snapshot only																				0.015
Debt Service Coverage	snapshot only																				0.733
Cash to Debt	snapshot only																				0.251
FCF to Debt	snapshot only																				0.258
Defensive Interval	snapshot only																				218.1 days

Efficiency & Turnover

Metric	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	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.07	0.09	0.07	0.07	0.072
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	5.83	5.90	3.36	3.43	3.64	3.89	3.50	3.92	4.28	4.66	4.43	4.69	4.85	5.05	5.58	6.02	6.82	8.55	20.89	20.97	20.970
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	63	62	109	106	100	94	104	93	85	78	82	78	75	72	65	61	54	43	17	17	17.4 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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	63	62	109	106	100	94	104	93	85	78	82	78	75	72	65	61	54	43	17	17	—
Fixed Asset Turnover	snapshot only																				11.199
Cash Velocity	snapshot only																				4.682
Capital Intensity	snapshot only																				16.388

Growth (YoY)

Metric	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	10.6%	13.0%	-4.1%	-2.3%	1.4%	7.2%	27.5%	39.7%	44.0%	46.4%	41.8%	34.2%	26.7%	21.5%	17.5%	19.8%	31.3%	57.9%	68.5%	56.7%	56.68%
Net Income	1.2%	1.2%	23.2%	-4.2%	1.7%	-4.8%	22.3%	14.1%	-11.0%	-7.5%	-18.9%	-12.0%	2.3%	3.4%	26.1%	12.1%	39.4%	54.8%	59.2%	1.1%	1.14%
EPS	1.2%	1.2%	21.7%	-4.9%	1.8%	-4.7%	22.6%	14.3%	-11.0%	-7.7%	-19.1%	-12.3%	1.6%	2.7%	25.2%	-16.3%	-10.5%	0.9%	2.4%	83.7%	83.71%
FCF	82.2%	65.0%	59.9%	34.0%	78.1%	54.2%	43.5%	-9.5%	-35.8%	-34.4%	-37.9%	-3.0%	0.1%	-26.9%	-54.9%	-1.1%	42.3%	1.2%	3.9%	95.5%	95.54%
EBITDA	1.0%	1.0%	20.7%	-2.7%	2.7%	-3.4%	20.9%	14.8%	-9.5%	-6.5%	-18.0%	-12.7%	0.9%	1.5%	23.6%	13.5%	43.5%	68.8%	78.5%	91.2%	91.23%
Op. Income	1.3%	1.3%	26.6%	-1.6%	4.1%	-2.9%	24.0%	16.3%	-11.2%	-8.3%	-20.8%	-14.3%	1.4%	2.7%	28.4%	12.7%	40.8%	57.0%	66.3%	86.5%	86.51%
OCF Growth	snapshot only																				92.60%
Asset Growth	snapshot only																				45.00%
Equity Growth	snapshot only																				1.22%
Debt Growth	snapshot only																				26.85%
Shares Change	snapshot only																				16.50%
Dividend Growth	snapshot only																				64.47%

Growth (CAGR)

Metric	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	9.2%	8.8%	5.1%	4.4%	5.1%	6.4%	9.1%	13.6%	17.3%	21.0%	20.1%	22.3%	22.8%	24.0%	28.5%	30.9%	33.8%	41.1%	41.1%	36.0%	36.05%
Revenue 5Y	9.1%	8.9%	6.6%	6.8%	7.4%	8.3%	10.1%	12.1%	13.7%	15.1%	16.0%	16.4%	16.2%	16.5%	16.7%	18.7%	21.8%	27.7%	28.0%	28.0%	27.99%
EPS 3Y	15.6%	16.1%	22.1%	23.2%	28.4%	26.9%	21.4%	31.8%	25.3%	23.9%	6.5%	-1.6%	-2.7%	-3.3%	7.5%	-5.7%	-6.8%	-1.5%	1.2%	10.5%	10.47%
EPS 5Y	26.8%	24.5%	17.7%	17.5%	19.9%	18.7%	12.3%	10.5%	6.9%	6.6%	12.5%	13.4%	13.9%	14.1%	12.6%	10.9%	12.4%	14.5%	9.1%	8.0%	7.96%
Net Income 3Y	14.6%	15.2%	21.8%	23.1%	28.1%	26.5%	21.0%	31.9%	25.8%	24.5%	6.9%	-1.3%	-2.5%	-3.1%	7.7%	4.0%	8.3%	14.0%	17.6%	28.3%	28.27%
Net Income 5Y	26.6%	24.2%	17.3%	17.1%	19.4%	18.2%	11.8%	10.0%	6.4%	6.1%	12.4%	13.4%	13.9%	14.1%	12.6%	17.7%	23.2%	25.3%	19.6%	18.2%	18.19%
EBITDA 3Y	20.8%	22.4%	20.6%	21.7%	26.5%	24.9%	19.6%	28.3%	23.1%	22.3%	6.2%	-0.8%	-2.1%	-2.9%	7.0%	4.4%	9.4%	17.0%	21.8%	23.7%	23.74%
EBITDA 5Y	19.6%	19.0%	13.6%	13.8%	15.9%	14.7%	15.0%	13.6%	10.4%	10.6%	11.7%	12.5%	13.1%	13.0%	11.7%	15.9%	22.0%	25.7%	21.4%	16.2%	16.17%
Gross Profit 3Y	11.1%	11.8%	10.3%	10.4%	12.1%	11.7%	9.9%	13.0%	11.0%	10.4%	5.7%	2.8%	2.5%	2.2%	6.1%	7.2%	11.3%	17.2%	22.3%	24.0%	24.05%
Gross Profit 5Y	8.7%	9.3%	6.9%	7.4%	8.3%	8.1%	8.5%	8.2%	7.2%	7.0%	7.9%	8.1%	8.0%	8.1%	7.2%	10.0%	13.5%	16.8%	17.3%	15.8%	15.84%
Op. Income 3Y	23.7%	25.7%	24.3%	25.7%	31.4%	29.5%	23.0%	34.4%	28.4%	27.3%	7.6%	-0.7%	-2.1%	-2.9%	8.1%	4.0%	8.2%	14.0%	19.2%	21.7%	21.70%
Op. Income 5Y	23.9%	22.7%	16.3%	16.5%	19.0%	17.5%	17.6%	15.7%	11.8%	12.1%	13.5%	14.6%	15.4%	15.4%	13.6%	18.6%	24.8%	27.2%	21.6%	15.6%	15.57%
FCF 3Y	16.4%	23.5%	27.9%	29.8%	38.5%	56.8%	38.7%	32.5%	27.7%	18.6%	12.5%	5.6%	4.6%	-9.6%	-26.2%	-4.6%	-2.9%	2.4%	10.9%	23.3%	23.34%
FCF 5Y	22.7%	25.3%	15.3%	19.4%	20.3%	17.5%	19.9%	12.6%	12.5%	13.8%	13.3%	13.9%	11.3%	13.1%	-5.7%	17.4%	24.3%	22.3%	25.6%	17.9%	17.86%
OCF 3Y	13.6%	19.4%	21.6%	23.8%	31.9%	44.6%	31.1%	23.6%	18.9%	13.3%	8.2%	3.2%	2.6%	-10.2%	-25.0%	-4.7%	-2.6%	2.3%	10.1%	21.2%	21.23%
OCF 5Y	19.0%	20.2%	12.5%	16.6%	18.0%	16.5%	18.7%	11.8%	11.1%	11.7%	9.7%	10.2%	7.9%	7.4%	-8.0%	11.8%	17.9%	18.5%	22.4%	16.4%	16.37%
Assets 3Y	15.0%	15.0%	22.3%	22.3%	22.3%	22.3%	13.2%	13.2%	13.2%	13.2%	9.9%	9.9%	9.9%	9.9%	5.7%	5.7%	5.7%	5.7%	23.8%	23.8%	23.81%
Assets 5Y	11.6%	11.6%	15.6%	15.6%	15.6%	15.6%	12.1%	12.1%	12.1%	12.1%	13.5%	13.5%	13.5%	13.5%	13.7%	13.7%	13.7%	13.7%	17.1%	17.1%	17.15%
Equity 3Y	11.4%	11.4%	12.2%	12.2%	12.2%	12.2%	0.8%	0.8%	0.8%	0.8%	0.9%	0.9%	0.9%	0.9%	3.3%	3.3%	3.3%	3.3%	42.4%	42.4%	42.35%
Book Value 3Y	12.4%	12.3%	12.5%	12.3%	12.5%	12.5%	1.1%	0.7%	0.4%	0.3%	0.5%	0.6%	0.7%	0.7%	3.1%	-6.3%	-11.1%	-10.7%	22.5%	22.6%	22.60%
Dividend 3Y	1.6%	3.0%	3.7%	4.7%	5.7%	4.0%	2.9%	1.5%	0.3%	0.5%	0.6%	0.8%	1.1%	1.0%	1.1%	-4.2%	-5.3%	-1.1%	3.9%	1.7%	1.66%

Growth Quality

Metric	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	0.99	0.96	0.87	0.91	0.97	0.96	0.83	0.77	0.77	0.76	0.74	0.76	0.79	0.81	0.82	0.86	0.87	0.83	0.79	0.85	0.851
Earnings Stability	0.54	0.52	0.80	0.58	0.60	0.58	0.80	0.63	0.49	0.47	0.77	0.66	0.55	0.55	0.74	0.50	0.57	0.60	0.68	0.47	0.467
Margin Stability	0.91	0.91	0.93	0.90	0.90	0.91	0.94	0.89	0.86	0.84	0.83	0.80	0.77	0.76	0.76	0.75	0.75	0.75	0.76	0.74	0.737
Rev. Growth Consistency	1.00	0.50	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	1.00	1.000
Earn. Growth Consistency	0.50	0.50	1.00	0.00	1.00	0.00	1.00	0.50	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	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	0.91	0.98	0.99	0.98	0.91	0.94	0.96	0.97	0.92	0.95	0.99	0.99	0.90	0.95	0.84	0.50	0.50	0.50	0.500
Earnings Smoothness	0.25	0.25	0.79	0.96	0.98	0.95	0.80	0.87	0.88	0.92	0.79	0.87	0.98	0.97	0.77	0.89	0.67	0.57	0.54	0.27	0.274
ROE Trend	0.06	0.06	0.02	0.02	0.03	0.02	0.06	0.04	0.00	0.01	-0.02	-0.02	-0.01	-0.01	-0.01	-0.02	0.02	0.04	-0.03	-0.00	-0.004
Gross Margin Trend	0.15	0.16	0.12	0.10	0.09	0.02	-0.06	-0.19	-0.28	-0.32	-0.32	-0.29	-0.26	-0.22	-0.17	-0.13	-0.06	-0.06	-0.01	0.03	0.030
FCF Margin Trend	0.10	0.16	0.17	0.20	0.29	0.22	0.13	-0.10	-0.18	-0.21	-0.23	-0.16	-0.20	-0.24	-0.25	-0.08	-0.01	0.01	0.08	0.03	0.025
Sustainable Growth Rate	12.4%	13.0%	9.3%	9.6%	11.2%	11.0%	12.4%	11.9%	10.2%	10.5%	9.6%	10.2%	10.5%	10.9%	11.1%	9.9%	13.0%	15.0%	10.2%	13.2%	13.21%
Internal Growth Rate	1.2%	1.2%	0.8%	0.8%	0.9%	0.9%	0.9%	0.9%	0.7%	0.8%	0.7%	0.7%	0.7%	0.8%	0.8%	0.7%	0.9%	1.1%	0.9%	1.2%	1.21%

Cash Flow Quality

Metric	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	1.10	1.21	1.51	1.68	1.83	1.94	1.78	1.38	1.40	1.40	1.35	1.43	1.28	0.96	0.51	1.29	1.33	1.41	1.46	1.16	1.161
FCF/OCF	0.91	0.93	0.94	0.94	0.95	0.94	0.93	0.91	0.90	0.92	0.94	0.96	0.96	0.95	0.89	0.94	0.94	0.94	0.95	0.96	0.957
FCF/Net Income	snapshot only																				1.111
OCF/EBITDA	snapshot only																				0.942
CapEx/Revenue	3.0%	2.5%	2.7%	2.9%	2.6%	3.3%	3.3%	3.0%	2.7%	1.9%	1.2%	0.8%	0.7%	0.7%	0.9%	1.1%	1.2%	1.2%	1.1%	1.0%	0.99%
CapEx/Depreciation	snapshot only																				0.287
Accruals Ratio	-0.00	-0.00	-0.00	-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	-0.01	-0.01	-0.00	-0.002
Sloan Accruals	snapshot only																				-0.563
Cash Flow Adequacy	snapshot only																				5.412
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	1.5%	1.5%	1.4%	1.6%	1.8%	1.8%	1.9%	2.7%	2.6%	2.5%	1.9%	1.8%	1.9%	1.5%	1.4%	1.3%	1.3%	1.3%	1.5%	1.7%	1.27%
Dividend/Share	$1.26	$1.32	$1.37	$1.42	$1.47	$1.47	$1.48	$1.49	$1.50	$1.51	$1.52	$1.53	$1.55	$1.56	$1.57	$1.35	$1.33	$1.52	$1.77	$1.90	$1.66
Payout Ratio	14.9%	14.9%	18.9%	18.9%	17.2%	17.5%	16.7%	17.3%	19.7%	19.4%	21.2%	20.3%	20.0%	19.5%	17.5%	21.4%	19.1%	18.9%	19.3%	16.4%	16.44%
FCF Payout Ratio	15.0%	13.2%	13.3%	12.0%	9.8%	9.6%	10.0%	13.9%	15.6%	15.0%	16.7%	14.8%	16.2%	21.3%	38.4%	17.6%	15.2%	14.2%	13.9%	14.8%	14.80%
Total Payout Ratio	17.0%	16.9%	20.5%	25.4%	25.2%	25.5%	24.1%	21.5%	22.1%	21.8%	23.8%	22.7%	22.5%	21.6%	19.2%	25.2%	22.0%	21.8%	21.8%	20.4%	20.41%
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	0.03	0.08	0.12	0.16	0.19	0.13	0.10	0.08	0.05	0.05	0.05	0.05	0.06	0.05	0.05	0.19	0.34	0.51	0.77	0.66	0.662
Buyback Yield	0.2%	0.2%	0.1%	0.5%	0.8%	0.9%	0.8%	0.6%	0.3%	0.3%	0.2%	0.2%	0.2%	0.2%	0.1%	0.2%	0.2%	0.2%	0.2%	0.4%	0.41%
Net Buyback Yield	0.2%	0.2%	0.1%	0.5%	0.8%	0.8%	0.8%	0.6%	0.3%	0.3%	0.2%	0.2%	0.2%	0.2%	0.1%	-3.4%	-2.8%	-2.5%	-2.5%	0.4%	0.40%
Total Shareholder Return	1.7%	1.7%	1.5%	2.1%	2.7%	2.7%	2.7%	3.3%	2.8%	2.8%	2.1%	2.0%	2.1%	1.7%	1.6%	-2.0%	-1.5%	-1.2%	-0.9%	2.1%	2.08%

DuPont Factors

Metric	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)	0.83	0.83	0.82	0.82	0.81	0.81	0.81	0.81	0.82	0.82	0.83	0.83	0.82	0.82	0.82	0.82	0.81	0.81	0.80	0.79	0.793
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	0.97	1.19	1.193
EBIT Margin	0.37	0.39	0.35	0.35	0.38	0.35	0.34	0.29	0.23	0.22	0.19	0.19	0.19	0.19	0.21	0.18	0.20	0.19	0.20	0.21	0.209
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.07	0.09	0.07	0.07	0.072
Equity Multiplier	10.61	10.61	12.30	12.30	12.30	12.30	13.97	13.97	13.97	13.97	14.31	14.31	14.31	14.31	14.38	14.38	14.38	14.38	11.07	11.07	11.067

Per Share

Metric	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)	$8.41	$8.84	$7.23	$7.50	$8.56	$8.43	$8.86	$8.58	$7.62	$7.78	$7.16	$7.52	$7.74	$7.99	$8.97	$6.30	$6.93	$8.06	$9.18	$11.57	$11.57
Book Value/Share	$61.95	$61.90	$64.38	$64.41	$64.62	$64.66	$54.73	$54.71	$54.80	$54.70	$63.46	$63.38	$63.31	$63.17	$70.49	$52.93	$45.47	$46.02	$100.60	$100.83	$102.88
Tangible Book/Share	$56.49	$56.44	$59.44	$59.46	$59.66	$59.69	$47.92	$47.91	$47.98	$47.89	$57.13	$57.06	$57.00	$56.88	$64.63	$48.53	$41.69	$42.19	$70.18	$70.33	$70.33
Revenue/Share	$27.24	$27.53	$25.42	$25.97	$27.62	$29.56	$32.49	$36.34	$39.78	$43.17	$45.94	$48.58	$50.10	$52.11	$53.62	$43.46	$42.26	$53.62	$58.11	$58.45	$58.63
FCF/Share	$8.39	$9.97	$10.24	$11.83	$14.95	$15.41	$14.73	$10.72	$9.60	$10.08	$9.12	$10.37	$9.55	$7.32	$4.09	$7.66	$8.73	$10.70	$12.79	$12.85	$12.89
OCF/Share	$9.22	$10.68	$10.93	$12.58	$15.67	$16.38	$15.79	$11.80	$10.67	$10.91	$9.67	$10.77	$9.92	$7.68	$4.58	$8.13	$9.25	$11.33	$13.43	$13.43	$13.47
Cash/Share	$263.67	$263.43	$434.61	$434.80	$436.21	$436.44	$178.23	$178.19	$178.48	$178.13	$259.43	$259.10	$258.82	$258.27	$332.13	$249.39	$214.24	$216.84	$12.46	$12.48	$9.67
EBITDA/Share	$11.31	$11.90	$9.92	$10.24	$11.62	$11.52	$12.02	$11.78	$10.52	$10.74	$9.84	$10.25	$10.55	$10.83	$12.08	$8.68	$9.73	$11.91	$13.86	$14.25	$14.25
Debt/Share	$53.08	$53.04	$71.85	$71.88	$72.11	$72.15	$53.42	$53.41	$53.49	$53.39	$71.69	$71.60	$71.53	$71.37	$60.90	$45.73	$39.28	$39.76	$49.68	$49.79	$49.79
Net Debt/Share	$-210.59	$-210.39	$-362.76	$-362.92	$-364.10	$-364.29	$-124.81	$-124.78	$-124.98	$-124.74	$-187.73	$-187.50	$-187.30	$-186.90	$-271.23	$-203.66	$-174.95	$-177.08	$37.22	$37.31	$37.31

Academic Models

Metric	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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.087
Altman Z-Prime	snapshot only																				-5.351
Piotroski F-Score	7	8	6	5	7	6	6	6	5	4	6	6	6	5	6	7	8	7	7	7	7
Beneish M-Score	-1.08	-1.10	-2.17	-2.28	-2.27	-2.12	-1.88	-1.66	-1.72	-1.81	-2.19	-2.30	-2.37	-2.35	-2.58	-2.51	-2.46	-1.95	-2.67	-3.29	-3.288
Ohlson O-Score	snapshot only																				0.059
Net-Net WC	snapshot only																				$-844.60
EVA	snapshot only																				$-314051346.22

Credit

Metric	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																				BBB
Credit Score	68.27	69.57	65.65	65.86	70.83	70.86	59.30	58.74	55.66	55.90	62.57	63.77	62.83	62.86	61.39	63.82	68.22	69.21	57.61	59.13	59.132
Credit Grade	snapshot only																				9
Credit Trend	snapshot only																				-4.687
Implied Spread (bps)	snapshot only																				275.000
Industry Credit Rank	snapshot only																				43
Sector Credit Rank	snapshot only																				47

UMBF NASDAQ

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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