$55.36

-0.11 (-0.20%)

Weekly Expected Move ±2.2%

$51 $53 $54 $55 $56

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 62 · $1.3B mcap · 22M float · 0.900% daily turnover · Short 76% of daily vol

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

50.0 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: -3.8%

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. WABC shows a Weak competitive edge (50.0/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. Negative ROIC of -3.8% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 0Buy: 0Hold: 5Sell: 3Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2024-07-19	Piper Sandler	Andrew Liesch	$50	$57	+7	+4.1%	$54.73
2024-04-19	Piper Sandler	Andrew Liesch	Initiated	$50	—	+9.8%	$45.55

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+

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. WABC receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (4/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-11	A-	B+
2026-04-21	A	A-
2026-04-01	A-	A

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.

★ ★ ★ ★ ★ 46 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

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. WABC scores highest in Safety (100/100) and lowest in Growth (19/100). An overall grade of A places WABC 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

6.55

Safe Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✗ ✓ ✓ ✗ ✗

Beneish M-Score

11.90

Possible Manipulator

Ohlson O-Score

-6.54

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

AAA

Score: 96.8/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.06x

Accruals: -0.1%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. WABC scores 6.55, 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. WABC 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. WABC's score of 11.90 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. 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. WABC's implied 0.1% 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. WABC receives an estimated rating of AAA (score: 96.8/100), 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). WABC'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

11.96x

PEG

-1.17x

P/S

4.86x

P/B

1.52x

P/FCF

10.96x

P/OCF

10.63x

EV/EBITDA

-16.67x

EV/Revenue

-9.76x

EV/EBIT

-17.24x

EV/FCF

-22.56x

Earnings Yield

8.87%

FCF Yield

9.13%

Shareholder Yield

14.44%

Graham Number

$63.24

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 12.0x earnings, WABC trades at a reasonable valuation. An earnings yield of 8.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $63.24 per share, suggesting a potential 14% 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

0.743

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.566

EBIT / Rev

Asset Turnover

0.044

Rev / Assets

Equity Multiplier

6.601

Assets / Equity

ROE

12.3%

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. WABC's ROE of 12.3% is driven by financial leverage (equity multiplier: 6.60x). 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

0.00%

Fair P/E

8.50x

Intrinsic Value

$39.34

Price/Value

1.33x

Margin of Safety

-32.57%

Premium

32.57%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with WABC's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. WABC trades at a 33% premium to its adjusted intrinsic value of $39.34, 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 12.0x.

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

$55.36

Median 1Y

$54.09

5th Pctile

$33.76

95th Pctile

$86.61

Ann. Volatility

28.2%

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

Executive	Salary	Stock	Total
David L. Payne Chairman, President CEO	$371,000	$—	$642,104
John “Robert” A. Thorson SVP Chief Financial Officer	$149,000	$124,577	$553,559
David L. Robinson SVP/Banking Division Manager	$150,000	$125,143	$529,353
Jennifer J. Finger SVP Treasurer	$129,996	$124,577	$519,950
Dennis R. Hansen SVP/Operations Systems Division Manager	$130,008	$112,118	$493,531

CEO Pay Ratio

6:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $642,104

Avg Employee Cost (SGA/emp): $112,834

Employees: 627

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

627

-2.3% YoY

Revenue / Employee

$433,560

Rev: $271,842,000

Profit / Employee

$185,284

NI: $116,173,000

SGA / Employee

$112,834

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	11.0%	11.2%	10.3%	10.6%	11.0%	12.5%	17.1%	19.6%	21.7%	22.6%	23.5%	22.9%	22.2%	21.3%	16.7%	16.0%	15.3%	14.4%	12.7%	12.3%	12.34%
ROA	1.4%	1.4%	1.2%	1.3%	1.3%	1.5%	1.7%	1.9%	2.1%	2.2%	2.4%	2.4%	2.3%	2.2%	2.2%	2.1%	2.0%	1.9%	1.9%	1.9%	1.87%
ROIC	-2.3%	-2.4%	-1.8%	-1.9%	-1.9%	-2.2%	-3.1%	-3.5%	-3.9%	-4.1%	-4.8%	-4.7%	-4.6%	-4.4%	-15.2%	-14.6%	-13.9%	-13.2%	-3.9%	-3.8%	-3.82%
ROCE	12.1%	12.5%	13.0%	13.3%	13.7%	15.6%	24.8%	28.6%	31.7%	33.1%	26.6%	26.0%	25.2%	24.1%	20.0%	19.2%	18.3%	17.2%	2.7%	2.6%	2.60%
Gross Margin	99.1%	99.1%	99.1%	99.1%	99.2%	99.3%	99.4%	1.0%	99.3%	98.2%	98.0%	95.8%	93.3%	92.9%	95.3%	95.9%	95.3%	94.6%	94.8%	95.4%	95.42%
Operating Margin	55.2%	54.3%	54.7%	54.2%	57.6%	65.2%	67.9%	68.7%	67.4%	67.7%	66.9%	62.7%	60.5%	59.9%	59.9%	59.9%	57.6%	56.2%	56.7%	55.8%	55.79%
Net Margin	40.8%	40.0%	40.3%	40.9%	42.7%	47.9%	49.4%	50.5%	49.6%	49.4%	48.1%	46.2%	44.6%	44.0%	43.4%	44.5%	42.9%	41.9%	41.6%	41.8%	41.84%
EBITDA Margin	60.8%	62.2%	63.7%	64.1%	66.1%	69.7%	71.5%	72.5%	70.8%	71.3%	70.5%	66.5%	64.1%	63.0%	62.8%	62.8%	60.9%	59.0%	58.4%	55.8%	55.79%
FCF Margin	40.2%	37.5%	40.3%	39.6%	37.8%	36.7%	42.3%	46.6%	56.8%	63.7%	47.9%	47.4%	37.2%	32.0%	44.9%	43.0%	46.2%	44.2%	43.8%	43.3%	43.26%
OCF Margin	41.0%	38.2%	40.9%	40.2%	38.3%	37.1%	42.6%	47.0%	57.1%	64.0%	48.3%	47.6%	37.5%	32.4%	45.5%	43.6%	46.9%	45.0%	44.8%	44.6%	44.59%
ROE 3Y Avg	snapshot only																				15.81%
ROE 5Y Avg	snapshot only																				16.28%
ROA 3Y Avg	snapshot only																				2.19%
ROIC Economic	snapshot only																				10.34%
Cash ROA	snapshot only																				2.00%
NOPAT Margin	snapshot only																				42.07%
Pretax Margin	snapshot only																				56.59%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				28.56%
SBC / Revenue	snapshot only																				0.38%

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	15.46	14.75	15.62	16.04	14.42	11.99	11.66	7.68	6.02	6.57	8.64	7.76	8.02	8.60	9.73	9.83	9.70	10.45	10.23	11.27	11.962
P/S Ratio	6.29	6.04	6.23	6.50	5.92	5.19	5.33	3.68	2.97	3.27	4.27	3.75	3.78	3.93	4.34	4.34	4.24	4.51	4.37	4.74	4.863
P/B Ratio	1.58	1.55	1.63	1.73	1.60	1.51	2.36	1.78	1.55	1.76	1.81	1.58	1.59	1.63	1.52	1.47	1.38	1.41	1.27	1.36	1.524
P/FCF	15.63	16.12	15.46	16.42	15.64	14.16	12.61	7.91	5.23	5.13	8.90	7.92	10.16	12.29	9.65	10.09	9.17	10.22	9.98	10.96	10.958
P/OCF	15.34	15.82	15.23	16.16	15.44	13.99	12.52	7.84	5.21	5.10	8.84	7.88	10.07	12.13	9.53	9.95	9.03	10.03	9.75	10.63	10.630
EV/EBITDA	-24.07	-24.05	-31.84	-30.35	-29.90	-27.29	-17.18	-16.99	-16.23	-15.02	-11.63	-12.69	-13.05	-13.50	-2.27	-2.57	-3.16	-3.20	-16.40	-16.67	-16.668
EV/Revenue	-15.13	-15.05	-19.63	-19.03	-19.16	-18.06	-11.72	-11.92	-11.54	-10.74	-8.29	-8.86	-8.89	-8.91	-1.45	-1.63	-1.97	-1.97	-9.89	-9.76	-9.758
EV/EBIT	-27.72	-27.26	-36.37	-34.87	-34.69	-30.89	-18.90	-18.24	-17.14	-15.81	-12.25	-13.38	-13.79	-14.25	-2.39	-2.71	-3.32	-3.37	-17.16	-17.24	-17.245
EV/FCF	-37.63	-40.17	-48.69	-48.10	-50.65	-49.26	-27.72	-25.60	-20.33	-16.85	-17.29	-18.69	-23.93	-27.85	-3.24	-3.78	-4.26	-4.45	-22.57	-22.56	-22.559
Earnings Yield	6.5%	6.8%	6.4%	6.2%	6.9%	8.3%	8.6%	13.0%	16.6%	15.2%	11.6%	12.9%	12.5%	11.6%	10.3%	10.2%	10.3%	9.6%	9.8%	8.9%	8.87%
FCF Yield	6.4%	6.2%	6.5%	6.1%	6.4%	7.1%	7.9%	12.6%	19.1%	19.5%	11.2%	12.6%	9.8%	8.1%	10.4%	9.9%	10.9%	9.8%	10.0%	9.1%	9.13%
Price/Tangible Book	snapshot only																				1.561
EV/OCF	snapshot only																				-21.884
EV/Gross Profit	snapshot only																				-10.269
Acquirers Multiple	snapshot only																				-17.245
Shareholder Yield	snapshot only																				14.44%
Graham Number	snapshot only																				$63.24

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	0.82	0.82	0.89	0.89	0.89	0.89	0.75	0.75	0.75	0.75	0.77	0.77	0.77	0.77	0.39	0.39	0.39	0.39	33.06	33.06	33.060
Quick Ratio	0.82	0.82	0.89	0.89	0.89	0.89	0.75	0.75	0.75	0.75	0.77	0.77	0.77	0.77	0.39	0.39	0.39	0.39	33.06	33.06	33.060
Debt/Equity	0.14	0.14	0.20	0.20	0.20	0.20	0.12	0.12	0.12	0.12	0.10	0.10	0.10	0.10	0.16	0.16	0.16	0.16	0.17	0.17	0.171
Net Debt/Equity	-5.40	-5.40	-6.78	-6.78	-6.78	-6.78	-7.56	-7.56	-7.56	-7.56	-5.32	-5.32	-5.32	-5.32	-2.02	-2.02	-2.02	-2.02	-4.15	-4.15	-4.153
Debt/Assets	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.02	0.02	0.03	0.03	0.027
Debt/EBITDA	0.91	0.90	1.23	1.19	1.15	1.03	0.40	0.36	0.33	0.32	0.33	0.34	0.35	0.36	0.69	0.72	0.76	0.81	0.97	1.02	1.019
Net Debt/EBITDA	-34.06	-33.71	-41.95	-40.70	-39.14	-35.14	-24.99	-22.23	-20.41	-19.59	-17.63	-18.07	-18.59	-19.45	-9.03	-9.44	-9.94	-10.55	-23.65	-24.76	-24.765
Interest Coverage	61.03	61.83	59.86	61.16	63.04	72.14	86.02	99.51	103.55	82.21	56.96	33.64	18.83	12.81	10.85	10.19	10.98	11.87	11.43	11.12	11.117
Equity Multiplier	7.99	7.99	9.02	9.02	9.02	9.02	11.54	11.54	11.54	11.54	8.23	8.23	8.23	8.23	6.83	6.83	6.83	6.83	6.38	6.38	6.385
Cash Ratio	snapshot only																				28.085
Debt Service Coverage	snapshot only																				11.502
Cash to Debt	snapshot only																				25.307
FCF to Debt	snapshot only																				0.725
Defensive Interval	snapshot only																				16885.8 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	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.05	0.04	0.044
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	6.89	7.00	6.33	6.41	6.52	7.03	5.99	6.55	7.04	7.30	6.06	6.03	6.00	5.92	6.28	6.09	5.86	5.61	0.72	0.70	0.704
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO (trade)	53	52	58	57	56	52	61	56	52	50	60	60	61	62	58	60	62	65	510	518	518.4 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 (trade)	53	52	58	57	56	52	61	56	52	50	60	60	61	62	58	60	62	65	510	518	—
Fixed Asset Turnover	snapshot only																				10.396
Cash Velocity	snapshot only																				0.066
Capital Intensity	snapshot only																				22.289

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	3.5%	4.9%	4.2%	5.2%	4.9%	11.5%	23.1%	32.8%	40.3%	34.9%	22.7%	11.8%	3.5%	-1.5%	-5.0%	-7.4%	-10.5%	-13.1%	-12.6%	-11.5%	-11.50%
Net Income	11.6%	14.6%	7.6%	6.4%	5.9%	17.8%	41.1%	57.2%	68.8%	54.8%	32.6%	12.8%	-1.2%	-9.4%	-14.3%	-15.5%	-17.1%	-18.0%	-16.2%	-15.6%	-15.58%
EPS	11.8%	15.0%	7.5%	6.3%	5.8%	17.6%	40.8%	57.3%	70.4%	56.4%	33.9%	13.6%	-1.3%	-9.6%	-14.4%	-15.4%	-14.5%	-13.6%	-10.0%	-7.5%	-7.47%
FCF	-16.9%	-25.7%	-17.2%	2.2%	-1.3%	9.1%	29.1%	56.3%	1.1%	1.3%	39.1%	13.8%	-32.3%	-50.5%	-11.0%	-15.9%	11.2%	19.8%	-14.8%	-11.0%	-10.97%
EBITDA	7.0%	7.6%	3.2%	4.1%	6.9%	17.9%	36.3%	48.7%	55.7%	45.7%	28.1%	11.2%	-0.8%	-9.0%	-14.5%	-16.1%	-18.1%	-19.2%	-17.8%	-18.0%	-17.99%
Op. Income	13.9%	17.3%	9.6%	7.3%	6.2%	18.0%	41.5%	59.0%	71.1%	56.7%	33.8%	13.3%	-0.9%	-9.3%	-14.7%	-16.0%	-17.7%	-18.8%	-17.1%	-16.6%	-16.61%
OCF Growth	snapshot only																				-9.50%
Asset Growth	snapshot only																				-1.91%
Equity Growth	snapshot only																				4.89%
Debt Growth	snapshot only																				15.33%
Shares Change	snapshot only																				-8.77%
Dividend Growth	snapshot only																				-1.11%

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	2.7%	2.2%	1.7%	1.7%	1.9%	4.4%	9.0%	12.2%	15.1%	16.4%	16.3%	16.0%	15.1%	14.0%	12.8%	11.2%	9.1%	4.9%	0.6%	-2.9%	-2.86%
Revenue 5Y	3.2%	3.6%	3.7%	4.0%	4.4%	5.9%	7.0%	8.6%	9.8%	9.9%	9.7%	9.4%	9.0%	8.6%	8.6%	7.9%	7.1%	6.2%	5.5%	5.1%	5.07%
EPS 3Y	16.3%	16.0%	6.4%	6.5%	6.9%	10.0%	15.2%	22.1%	26.3%	28.3%	26.5%	23.8%	21.2%	18.5%	17.3%	14.8%	12.9%	6.9%	1.0%	-3.8%	-3.85%
EPS 5Y	7.2%	7.5%	7.2%	7.9%	8.1%	11.2%	19.2%	21.5%	23.2%	23.5%	17.9%	16.6%	15.5%	13.5%	11.8%	11.8%	11.2%	10.6%	9.3%	8.2%	8.24%
Net Income 3Y	16.6%	16.1%	6.5%	6.5%	6.8%	9.9%	14.9%	21.6%	25.9%	27.9%	26.2%	23.6%	20.9%	18.2%	17.0%	14.4%	11.4%	4.8%	-1.6%	-7.0%	-7.00%
Net Income 5Y	8.3%	8.5%	8.0%	8.3%	8.5%	11.6%	19.5%	21.7%	23.1%	23.3%	17.7%	16.4%	15.2%	13.2%	11.5%	11.4%	10.3%	9.2%	7.6%	6.1%	6.12%
EBITDA 3Y	4.8%	5.3%	5.0%	4.1%	6.3%	8.8%	13.1%	18.1%	21.2%	22.7%	21.7%	19.8%	18.2%	16.0%	14.3%	11.5%	8.1%	2.3%	-3.5%	-8.6%	-8.56%
EBITDA 5Y	7.3%	6.8%	6.0%	6.1%	6.0%	8.2%	10.0%	13.0%	13.9%	14.9%	15.1%	13.3%	13.2%	11.3%	9.6%	9.0%	7.7%	6.3%	4.8%	3.4%	3.43%
Gross Profit 3Y	2.7%	2.3%	1.8%	1.8%	1.9%	4.5%	9.1%	13.3%	16.2%	17.4%	17.2%	15.5%	14.0%	12.4%	11.0%	9.4%	7.5%	3.5%	-0.8%	-4.5%	-4.46%
Gross Profit 5Y	3.2%	3.3%	3.4%	3.7%	3.9%	5.8%	6.9%	8.6%	9.9%	10.0%	9.8%	9.1%	8.4%	7.7%	7.5%	7.3%	6.6%	5.8%	5.1%	4.2%	4.19%
Op. Income 3Y	9.1%	10.0%	8.7%	8.2%	8.2%	10.9%	16.3%	23.2%	27.4%	29.4%	27.5%	24.6%	21.6%	18.8%	17.3%	14.8%	11.8%	4.9%	-1.8%	-7.4%	-7.41%
Op. Income 5Y	8.5%	8.5%	7.9%	8.2%	8.1%	11.2%	13.7%	16.4%	18.7%	19.7%	19.5%	18.0%	16.5%	14.1%	12.4%	12.2%	11.0%	9.8%	8.0%	6.3%	6.26%
FCF 3Y	-0.2%	-4.3%	-2.2%	-1.7%	0.2%	4.2%	13.7%	8.5%	20.0%	23.8%	14.2%	22.0%	12.1%	8.1%	17.0%	14.3%	16.6%	11.6%	1.8%	-5.2%	-5.22%
FCF 5Y	4.7%	2.9%	2.9%	1.0%	1.0%	1.8%	7.7%	11.6%	15.6%	17.5%	10.9%	11.1%	7.5%	5.6%	12.8%	4.1%	5.4%	2.4%	2.5%	6.4%	6.35%
OCF 3Y	-1.1%	-4.9%	-2.8%	-1.9%	-0.2%	3.4%	12.1%	7.0%	18.7%	22.8%	13.7%	22.0%	11.7%	7.9%	16.8%	14.3%	16.7%	11.8%	2.3%	-4.5%	-4.51%
OCF 5Y	4.0%	2.8%	2.7%	0.8%	0.8%	1.4%	7.1%	10.8%	14.7%	16.7%	10.4%	10.7%	7.1%	5.1%	11.9%	3.4%	4.9%	2.2%	2.5%	6.9%	6.86%
Assets 3Y	7.0%	7.0%	10.2%	10.2%	10.2%	10.2%	7.3%	7.3%	7.3%	7.3%	-1.9%	-1.9%	-1.9%	-1.9%	-6.6%	-6.6%	-6.6%	-6.6%	-5.0%	-5.0%	-4.99%
Assets 5Y	5.5%	5.5%	6.8%	6.8%	6.8%	6.8%	4.7%	4.7%	4.7%	4.7%	2.7%	2.7%	2.7%	2.7%	1.6%	1.6%	1.6%	1.6%	-2.5%	-2.5%	-2.45%
Equity 3Y	12.7%	12.7%	10.3%	10.3%	10.3%	10.3%	-6.3%	-6.3%	-6.3%	-6.3%	-2.9%	-2.9%	-2.9%	-2.9%	2.5%	2.5%	2.5%	2.5%	15.7%	15.7%	15.74%
Book Value 3Y	12.5%	12.6%	10.3%	10.4%	10.5%	10.5%	-6.1%	-6.0%	-5.9%	-5.9%	-2.7%	-2.7%	-2.7%	-2.7%	2.7%	2.8%	3.8%	4.6%	18.9%	19.7%	19.67%
Dividend 3Y	-0.4%	-0.3%	-0.1%	0.4%	0.7%	1.0%	0.9%	0.8%	0.5%	0.6%	0.8%	1.1%	1.6%	1.3%	0.9%	0.7%	1.5%	2.2%	2.7%	3.0%	3.01%

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	0.86	0.85	0.87	0.85	0.85	0.87	0.73	0.64	0.61	0.65	0.72	0.74	0.73	0.77	0.83	0.78	0.66	0.55	0.46	0.33	0.332
Earnings Stability	0.80	0.80	0.81	0.86	0.88	0.90	0.85	0.80	0.77	0.81	0.80	0.83	0.81	0.81	0.78	0.75	0.62	0.52	0.42	0.29	0.287
Margin Stability	0.99	0.99	0.99	0.99	0.98	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.98	0.98	0.98	0.98	0.98	0.98	0.97	0.975
Rev. Growth Consistency	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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	1.00	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.95	0.94	0.97	0.97	0.98	0.93	0.84	0.50	0.50	0.50	0.87	0.95	1.00	0.96	0.94	0.94	0.93	0.93	0.94	0.94	0.938
Earnings Smoothness	0.89	0.86	0.93	0.94	0.94	0.84	0.66	0.56	0.49	0.57	0.72	0.88	0.99	0.90	0.85	0.83	0.81	0.80	0.82	0.83	0.831
ROE Trend	-0.01	-0.01	0.00	0.00	0.01	0.02	0.10	0.13	0.15	0.15	0.06	0.03	0.01	-0.01	-0.05	-0.07	-0.08	-0.09	-0.06	-0.06	-0.056
Gross Margin Trend	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.00	-0.00	-0.02	-0.03	-0.04	-0.05	-0.05	-0.03	-0.02	-0.02	-0.01	-0.010
FCF Margin Trend	-0.05	-0.07	-0.04	-0.07	-0.07	-0.09	-0.03	0.06	0.18	0.27	0.07	0.04	-0.10	-0.18	-0.00	-0.04	-0.01	-0.04	-0.03	-0.02	-0.019
Sustainable Growth Rate	5.4%	5.7%	5.0%	5.3%	5.6%	7.1%	10.8%	13.2%	15.4%	16.2%	16.8%	16.2%	15.4%	14.5%	11.0%	10.4%	9.6%	8.8%	7.6%	7.2%	7.24%
Internal Growth Rate	0.7%	0.7%	0.6%	0.6%	0.7%	0.8%	1.1%	1.3%	1.5%	1.6%	1.8%	1.7%	1.6%	1.5%	1.5%	1.4%	1.3%	1.2%	1.2%	1.1%	1.11%

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	1.01	0.93	1.03	0.99	0.93	0.86	0.93	0.98	1.16	1.29	0.98	0.98	0.80	0.71	1.02	0.99	1.07	1.04	1.05	1.06	1.060
FCF/OCF	0.98	0.98	0.99	0.98	0.99	0.99	0.99	0.99	1.00	1.00	0.99	1.00	0.99	0.99	0.99	0.99	0.98	0.98	0.98	0.97	0.970
FCF/Net Income	snapshot only																				1.028
OCF/EBITDA	snapshot only																				0.762
CapEx/Revenue	0.8%	0.7%	0.6%	0.6%	0.5%	0.4%	0.3%	0.4%	0.3%	0.3%	0.4%	0.2%	0.4%	0.4%	0.6%	0.6%	0.7%	0.8%	1.0%	1.3%	1.33%
CapEx/Depreciation	snapshot only																				0.681
Accruals Ratio	-0.00	0.00	-0.00	0.00	0.00	0.00	0.00	0.00	-0.00	-0.01	0.00	0.00	0.00	0.01	-0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.001
Sloan Accruals	snapshot only																				1.287
Cash Flow Adequacy	snapshot only																				2.384
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	3.3%	3.4%	3.3%	3.1%	3.4%	3.6%	3.2%	4.2%	4.8%	4.3%	3.3%	3.8%	3.8%	3.7%	3.5%	3.6%	3.8%	3.8%	3.9%	3.7%	3.36%
Dividend/Share	$1.64	$1.64	$1.65	$1.66	$1.67	$1.68	$1.68	$1.68	$1.69	$1.71	$1.72	$1.74	$1.76	$1.76	$1.76	$1.76	$1.83	$1.86	$1.89	$1.91	$1.86
Payout Ratio	50.9%	49.7%	51.2%	50.1%	48.9%	43.3%	37.0%	32.3%	29.1%	28.2%	28.4%	29.4%	30.7%	32.1%	33.9%	35.3%	37.3%	39.3%	40.4%	41.3%	41.29%
FCF Payout Ratio	51.4%	54.3%	50.7%	51.3%	53.1%	51.1%	40.0%	33.3%	25.3%	22.0%	29.3%	30.0%	38.9%	45.8%	33.6%	36.2%	35.2%	38.4%	39.4%	40.2%	40.16%
Total Payout Ratio	58.8%	55.3%	51.5%	50.4%	49.2%	43.5%	37.2%	42.1%	38.0%	36.7%	36.9%	29.5%	30.8%	32.2%	34.1%	49.0%	81.9%	1.1%	1.3%	1.6%	1.63%
Div. Increase Streak	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	0	0	0
Chowder Number	0.03	0.03	0.03	0.04	0.05	0.06	0.05	0.06	0.05	0.05	0.05	0.06	0.08	0.07	0.06	0.05	0.05	0.04	0.04	0.03	0.026
Buyback Yield	0.5%	0.4%	0.0%	0.0%	0.0%	0.0%	0.0%	1.3%	1.5%	1.3%	1.0%	0.0%	0.0%	0.0%	0.0%	1.4%	4.6%	6.4%	8.7%	10.8%	10.77%
Net Buyback Yield	0.5%	0.4%	0.0%	0.0%	-0.0%	-0.1%	-0.1%	1.1%	1.4%	1.3%	0.9%	-0.1%	-0.1%	-0.1%	-0.1%	1.3%	4.5%	6.3%	8.7%	10.8%	10.77%
Total Shareholder Return	3.8%	3.7%	3.3%	3.1%	3.4%	3.5%	3.1%	5.3%	6.2%	5.6%	4.2%	3.7%	3.8%	3.6%	3.4%	4.9%	8.3%	10.1%	12.7%	14.4%	14.44%

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)	0.74	0.74	0.74	0.74	0.74	0.74	0.74	0.73	0.73	0.73	0.73	0.73	0.73	0.73	0.73	0.73	0.74	0.74	0.74	0.74	0.743
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	0.55	0.55	0.54	0.55	0.55	0.58	0.62	0.65	0.67	0.68	0.68	0.66	0.65	0.63	0.61	0.60	0.59	0.58	0.58	0.57	0.566
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.05	0.04	0.044
Equity Multiplier	7.85	7.85	8.50	8.50	8.50	8.50	10.08	10.08	10.08	10.08	9.68	9.68	9.68	9.68	7.48	7.48	7.48	7.48	6.60	6.60	6.601

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)	$3.22	$3.30	$3.22	$3.31	$3.41	$3.88	$4.53	$5.21	$5.81	$6.07	$6.07	$5.91	$5.73	$5.49	$5.19	$5.00	$4.90	$4.74	$4.68	$4.63	$4.63
Book Value/Share	$31.42	$31.43	$30.78	$30.76	$30.75	$30.73	$22.36	$22.41	$22.59	$22.59	$28.99	$28.97	$28.97	$28.96	$33.33	$33.40	$34.38	$35.12	$37.57	$38.41	$36.32
Tangible Book/Share	$26.85	$26.87	$26.22	$26.21	$26.19	$26.18	$17.82	$17.86	$18.01	$18.01	$24.41	$24.40	$24.39	$24.39	$28.77	$28.83	$29.67	$30.31	$32.67	$33.40	$33.40
Revenue/Share	$7.92	$8.05	$8.07	$8.17	$8.31	$8.96	$9.91	$10.86	$11.77	$12.20	$12.28	$12.23	$12.17	$12.00	$11.65	$11.34	$11.22	$10.97	$10.94	$11.00	$11.00
FCF/Share	$3.19	$3.02	$3.25	$3.23	$3.14	$3.28	$4.19	$5.06	$6.68	$7.77	$5.89	$5.79	$4.52	$3.84	$5.24	$4.88	$5.18	$4.85	$4.79	$4.76	$4.76
OCF/Share	$3.25	$3.07	$3.30	$3.28	$3.19	$3.32	$4.22	$5.10	$6.71	$7.81	$5.93	$5.82	$4.56	$3.89	$5.30	$4.95	$5.26	$4.94	$4.91	$4.91	$4.91
Cash/Share	$174.23	$174.31	$214.73	$214.65	$214.53	$214.41	$171.82	$172.19	$173.60	$173.58	$157.15	$157.08	$157.04	$157.02	$72.66	$72.82	$74.94	$76.56	$162.44	$166.07	$16.35
EBITDA/Share	$4.98	$5.04	$4.97	$5.12	$5.33	$5.93	$6.77	$7.62	$8.37	$8.72	$8.75	$8.54	$8.29	$7.92	$7.47	$7.17	$7.00	$6.74	$6.60	$6.44	$6.44
Debt/Share	$4.51	$4.52	$6.11	$6.11	$6.10	$6.10	$2.73	$2.74	$2.76	$2.76	$2.89	$2.89	$2.89	$2.88	$5.18	$5.19	$5.34	$5.46	$6.42	$6.56	$6.56
Net Debt/Share	$-169.71	$-169.79	$-208.62	$-208.54	$-208.42	$-208.30	$-169.08	$-169.45	$-170.84	$-170.82	$-154.26	$-154.19	$-154.16	$-154.13	$-67.48	$-67.63	$-69.60	$-71.10	$-156.02	$-159.51	$-159.51

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	6.550
Altman Z-Prime	snapshot only																				5.827
Piotroski F-Score	7	7	6	6	6	7	5	6	7	6	6	6	5	4	3	4	5	5	5	5	5
Beneish M-Score	-2.36	-2.36	-2.48	-2.47	-2.47	-2.39	-1.80	-1.83	-1.86	-1.90	-2.48	-2.46	-2.44	-2.44	-2.26	-2.26	-2.29	-2.43	12.16	11.90	11.899
Ohlson O-Score	snapshot only																				-6.543
ROIC (Greenblatt)	snapshot only																				3.27%
Net-Net WC	snapshot only																				$-11.32

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																				AAA
Credit Score	93.86	93.85	91.97	92.36	92.40	93.87	95.13	95.31	95.13	95.14	98.04	98.02	97.97	97.97	97.94	98.04	97.98	96.63	96.67	96.81	96.813
Credit Grade	snapshot only																				1
Credit Trend	snapshot only																				-1.226
Implied Spread (bps)	snapshot only																				50.000
Industry Credit Rank	snapshot only																				99
Sector Credit Rank	snapshot only																				95

WABC 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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