$32.09

-0.24 (-0.74%)

Weekly Expected Move ±9.4%

$25 $28 $31 $34 $37

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 55 · $611.8M mcap · 19M float · 1.05% daily turnover · Short 61% 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.

NO EDGE

37.2 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 4.3% · 5Y Avg: 3.9%

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. WASH has No discernible competitive edge (37.2/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. ROIC of 4.3% 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

Low

$32

Avg Target

$32

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 1Hold: 5Sell: 1Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$32.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-01-29	Piper Sandler	Mark Fitzgibbon	$34	$32	-2	-2.1%	$32.68
2024-10-22	Piper Sandler	Mark Fitzgibbon	$30	$34	+4	-1.3%	$34.46
2024-10-22	Piper Sandler	Mark Fitzgibbon	Initiated	$30	—	-5.9%	$31.89

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.

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. WASH receives an overall rating of B. Strongest factors: DCF (4/5). Areas of concern: D/E (2/5), P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-04	B-	B
2026-04-30	B	B-
2026-04-28	B+	B
2026-04-27	B	B+
2026-04-24	B+	B
2026-04-22	C-	B+
2026-04-21	B+	C-
2026-03-30	B	B+
2026-03-02	B+	B
2026-02-26	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.

★ ★ ★ ★ ★ 56 Grade B

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. WASH scores highest in Earnings Quality (99/100) and lowest in Balance Sheet (16/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

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

Altman-B Score

1.72

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓ ✓

Beneish M-Score

-2.40

Unlikely Manipulator

Ohlson O-Score

0.95

Bankruptcy prob: 72.2%

High Risk

Credit Rating

BB-

Score: 38.0/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.46x

Accruals: -0.4%

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. WASH scores 1.72, 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. WASH 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. WASH's score of -2.40 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. WASH's implied 72.2% 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. WASH receives an estimated rating of BB- (score: 38.0/100), 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). WASH'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

11.60x

PEG

0.04x

P/S

1.62x

P/B

1.12x

P/FCF

11.79x

P/OCF

8.18x

EV/EBITDA

18.80x

EV/Revenue

3.48x

EV/EBIT

19.39x

EV/FCF

24.58x

Earnings Yield

8.35%

FCF Yield

8.48%

Shareholder Yield

6.85%

Graham Number

$41.86

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 11.6x earnings, WASH trades at a reasonable valuation. An earnings yield of 8.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $41.86 per share, suggesting a potential 30% 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

0.777

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.179

EBIT / Rev

Asset Turnover

0.056

Rev / Assets

Equity Multiplier

12.990

Assets / Equity

ROE

10.1%

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. WASH's ROE of 10.1% is driven by financial leverage (equity multiplier: 12.99x). 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

$23.35

Price/Value

1.41x

Margin of Safety

-40.91%

Premium

40.91%

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 WASH's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. WASH trades at a 41% premium to its adjusted intrinsic value of $23.35, 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 11.6x.

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

$32.09

Median 1Y

$29.86

5th Pctile

$16.33

95th Pctile

$54.68

Ann. Volatility

37.1%

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
Edward O. Handy III Chairman and Chief Executive Officer of the Corporation and Bank	$810,165	$486,868	$1,864,227
Mary E. Noons President and Chief Operating Officer of the Corporation and Bank	$439,354	$220,564	$993,923
Kathleen A. Ryan Executive Vice President and Chief Wealth Management Officer of the Bank	$374,596	$159,156	$788,477
Ronald S. Ohsberg Senior Executive Vice President, Chief Financial Officer and Treasurer of the Corporation and Bank	$399,596	$180,460	$758,132
Rolando A. Lora Executive Vice President, Chief Retail Lending Officer and Director of Community Lending	$349,623	$182,073	$694,581

CEO Pay Ratio

11:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,864,227

Avg Employee Cost (SGA/emp): $165,255

Employees: 642

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

642

+3.9% YoY

Revenue / Employee

$593,581

Rev: $381,079,000

Profit / Employee

$81,377

NI: $52,244,000

SGA / Employee

$165,255

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	14.4%	14.5%	14.0%	13.3%	13.7%	13.7%	14.1%	13.4%	11.6%	10.2%	10.4%	10.0%	9.9%	9.9%	-5.8%	-5.5%	-5.0%	-5.0%	10.0%	10.1%	10.10%
ROA	1.4%	1.4%	1.3%	1.3%	1.3%	1.3%	1.1%	1.1%	0.9%	0.8%	0.7%	0.7%	0.7%	0.7%	-0.4%	-0.4%	-0.3%	-0.3%	0.8%	0.8%	0.78%
ROIC	87.4%	87.9%	-16.7%	-15.8%	-16.4%	-16.4%	19.2%	18.2%	15.9%	13.9%	7.7%	7.4%	7.3%	7.3%	-2.0%	-1.9%	-1.8%	-1.8%	4.3%	4.3%	4.29%
ROCE	7.2%	7.2%	11.3%	10.7%	11.0%	11.0%	5.6%	5.3%	4.6%	4.0%	3.0%	2.9%	2.9%	2.9%	-2.1%	-2.0%	-1.9%	-1.8%	2.0%	2.0%	2.01%
Gross Margin	93.2%	93.8%	98.7%	93.6%	97.4%	84.0%	71.9%	60.5%	52.6%	50.5%	46.0%	45.9%	46.0%	46.5%	-9.1%	53.5%	55.9%	50.4%	57.7%	58.2%	58.23%
Operating Margin	37.6%	39.9%	42.3%	37.6%	43.7%	35.3%	27.8%	19.6%	15.8%	14.7%	12.5%	13.7%	13.6%	13.3%	-16.3%	16.5%	17.9%	14.1%	22.6%	17.4%	17.45%
Net Margin	29.4%	31.1%	33.3%	29.6%	34.5%	27.5%	21.9%	15.6%	12.6%	11.6%	13.3%	10.9%	10.6%	10.6%	-12.3%	12.8%	13.8%	11.0%	17.5%	13.7%	13.69%
EBITDA Margin	39.4%	41.7%	44.1%	39.5%	45.5%	36.9%	29.2%	21.1%	17.1%	16.0%	13.8%	14.9%	14.8%	14.5%	-16.0%	17.6%	19.0%	15.2%	22.6%	17.4%	17.45%
FCF Margin	30.1%	48.7%	40.0%	59.0%	37.9%	25.0%	41.6%	27.9%	14.2%	16.1%	7.3%	4.7%	12.7%	11.3%	17.3%	19.9%	20.7%	23.9%	13.8%	14.1%	14.15%
OCF Margin	31.8%	50.4%	41.4%	60.5%	39.6%	27.1%	44.0%	30.2%	16.3%	17.8%	8.7%	5.9%	13.8%	12.5%	18.6%	21.0%	21.5%	24.3%	19.7%	20.4%	20.40%
ROE 3Y Avg	snapshot only																				4.71%
ROE 5Y Avg	snapshot only																				8.40%
ROA 3Y Avg	snapshot only																				0.35%
ROIC 3Y Avg	snapshot only																				2.12%
ROIC Economic	snapshot only																				4.17%
Cash ROA	snapshot only																				1.16%
Cash ROIC	snapshot only																				6.28%
CROIC	snapshot only																				4.36%
NOPAT Margin	snapshot only																				13.93%
Pretax Margin	snapshot only																				17.94%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				14.04%
SBC / Revenue	snapshot only																				-0.21%

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	9.10	9.44	9.94	9.87	8.85	8.56	9.24	7.21	6.48	7.44	10.02	8.84	9.12	11.01	-18.07	-21.03	-21.59	-22.24	10.63	11.98	11.601
P/S Ratio	2.68	2.86	3.14	3.05	2.84	2.66	2.58	1.73	1.22	1.12	1.32	1.07	1.06	1.25	1.63	1.85	1.76	1.85	1.46	1.67	1.618
P/B Ratio	1.28	1.33	1.35	1.27	1.18	1.14	1.46	1.08	0.85	0.85	1.02	0.87	0.89	1.06	1.01	1.13	1.05	1.09	1.02	1.16	1.117
P/FCF	8.88	5.87	7.85	5.16	7.51	10.63	6.20	6.20	8.57	6.97	18.19	22.84	8.31	11.06	9.45	9.29	8.48	7.75	10.57	11.79	11.794
P/OCF	8.41	5.67	7.58	5.04	7.18	9.80	5.86	5.73	7.46	6.31	15.28	18.23	7.66	9.96	8.79	8.79	8.19	7.61	7.41	8.18	8.181
EV/EBITDA	2.32	2.59	-2.55	-3.14	-3.57	-3.80	6.10	4.52	3.81	4.36	10.39	9.55	9.75	11.25	-44.24	-48.46	-52.46	-53.07	17.54	18.80	18.796
EV/Revenue	0.91	1.05	-1.07	-1.29	-1.52	-1.57	2.27	1.45	0.97	0.89	1.75	1.47	1.45	1.63	4.85	5.12	5.09	5.25	3.25	3.48	3.477
EV/EBIT	2.42	2.71	-2.66	-3.28	-3.72	-3.97	6.39	4.75	4.05	4.68	11.28	10.41	10.63	12.25	-38.81	-42.36	-45.40	-46.12	18.38	19.39	19.387
EV/FCF	3.03	2.16	-2.68	-2.19	-4.02	-6.28	5.45	5.19	6.78	5.52	23.99	31.44	11.37	14.45	28.07	25.76	24.58	21.97	23.58	24.58	24.579
Earnings Yield	11.0%	10.6%	10.1%	10.1%	11.3%	11.7%	10.8%	13.9%	15.4%	13.4%	10.0%	11.3%	11.0%	9.1%	-5.5%	-4.8%	-4.6%	-4.5%	9.4%	8.3%	8.35%
FCF Yield	11.3%	17.0%	12.7%	19.4%	13.3%	9.4%	16.1%	16.1%	11.7%	14.3%	5.5%	4.4%	12.0%	9.0%	10.6%	10.8%	11.8%	12.9%	9.5%	8.5%	8.48%
PEG Ratio	snapshot only																				0.043
Price/Tangible Book	snapshot only																				1.327
EV/OCF	snapshot only																				17.049
EV/Gross Profit	snapshot only																				6.269
Acquirers Multiple	snapshot only																				19.387
Shareholder Yield	snapshot only																				6.85%
Graham Number	snapshot only																				$41.86

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	0.25	0.25	0.25	0.25	0.25	0.25	0.22	0.22	0.22	0.22	0.20	0.20	0.20	0.20	0.03	0.03	0.03	0.03	0.01	0.01	0.013
Quick Ratio	0.25	0.25	0.25	0.25	0.25	0.25	0.22	0.22	0.22	0.22	0.20	0.20	0.20	0.20	0.03	0.03	0.03	0.03	0.01	0.01	0.013
Debt/Equity	1.21	1.21	0.35	0.35	0.35	0.35	2.28	2.28	2.28	2.28	2.63	2.63	2.63	2.63	2.36	2.36	2.36	2.36	1.34	1.34	1.336
Net Debt/Equity	-0.84	-0.84	-1.81	-1.81	-1.81	-1.81	-0.18	-0.18	-0.18	-0.18	0.33	0.33	0.33	0.33	2.00	2.00	2.00	2.00	1.26	1.26	1.258
Debt/Assets	0.11	0.11	0.03	0.03	0.03	0.03	0.15	0.15	0.15	0.15	0.17	0.17	0.17	0.17	0.17	0.17	0.17	0.17	0.11	0.11	0.110
Debt/EBITDA	6.47	6.42	1.92	2.02	1.96	1.96	10.81	11.37	12.94	14.74	20.30	21.10	21.20	21.31	-34.57	-36.49	-40.47	-40.44	10.28	10.38	10.382
Net Debt/EBITDA	-4.48	-4.44	-10.00	-10.53	-10.22	-10.23	-0.84	-0.88	-1.00	-1.14	2.51	2.61	2.63	2.64	-29.35	-30.98	-34.36	-34.34	9.68	9.78	9.777
Interest Coverage	3.76	4.81	5.93	6.25	6.26	4.42	2.37	1.30	0.72	0.46	0.33	0.28	0.26	0.25	-0.18	-0.18	-0.18	-0.19	0.41	0.43	0.434
Equity Multiplier	10.69	10.69	10.36	10.36	10.36	10.36	14.68	14.68	14.68	14.68	15.24	15.24	15.24	15.24	13.87	13.87	13.87	13.87	12.18	12.18	12.182
Cash Ratio	snapshot only																				0.013
Debt Service Coverage	snapshot only																				0.447
Cash to Debt	snapshot only																				0.058
FCF to Debt	snapshot only																				0.074
Defensive Interval	snapshot only																				109.0 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	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.04	0.04	0.04	0.04	0.06	0.06	0.056
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	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	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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Fixed Asset Turnover	snapshot only																				6.166
Cash Velocity	snapshot only																				8.924
Capital Intensity	snapshot only																				17.517

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	-5.0%	-6.7%	-9.2%	-10.5%	-7.8%	-2.5%	5.6%	20.0%	34.3%	41.7%	41.9%	35.2%	25.4%	17.5%	-14.8%	-20.2%	-24.1%	-26.9%	22.6%	23.7%	23.71%
Net Income	11.2%	12.6%	10.1%	-7.0%	0.7%	0.1%	-6.8%	-6.7%	-21.3%	-31.2%	-32.8%	-31.9%	-22.7%	-11.8%	-1.6%	-1.6%	-1.5%	-1.5%	2.9%	3.0%	2.96%
EPS	10.3%	11.8%	9.4%	-7.3%	0.9%	0.9%	-5.9%	-5.0%	-19.5%	-30.2%	-31.8%	-31.5%	-23.0%	-12.3%	-1.6%	-1.5%	-1.5%	-1.5%	2.7%	3.0%	2.98%
FCF	13.5%	1.3%	1.9%	3.3%	15.9%	-49.9%	9.8%	-43.2%	-49.5%	-8.8%	-75.2%	-77.3%	12.3%	-17.8%	1.0%	2.4%	23.3%	54.7%	-2.1%	-11.9%	-11.90%
EBITDA	11.8%	13.4%	9.9%	-6.8%	0.0%	-0.8%	-6.8%	-6.7%	-20.4%	-30.0%	-35.8%	-35.0%	-26.4%	-16.6%	-1.6%	-1.5%	-1.5%	-1.5%	3.1%	3.2%	3.17%
Op. Income	12.2%	13.8%	10.1%	-7.2%	-0.1%	-0.8%	-7.1%	-7.1%	-21.6%	-31.9%	-38.0%	-37.3%	-28.3%	-17.9%	-1.7%	-1.7%	-1.6%	-1.6%	2.7%	2.8%	2.84%
OCF Growth	snapshot only																				20.16%
Asset Growth	snapshot only																				-4.46%
Equity Growth	snapshot only																				8.78%
Debt Growth	snapshot only																				-38.32%
Shares Change	snapshot only																				-1.02%
Dividend Growth	snapshot only																				9.00%

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	4.1%	2.5%	0.7%	-1.6%	-2.9%	-2.8%	-1.0%	2.1%	5.6%	8.8%	10.8%	13.2%	15.8%	17.5%	8.5%	9.0%	8.5%	6.7%	14.0%	10.1%	10.08%
Revenue 5Y	6.2%	5.2%	4.1%	3.2%	2.5%	2.7%	3.7%	5.2%	6.9%	8.3%	8.9%	9.1%	9.1%	8.9%	3.3%	2.8%	2.3%	2.0%	7.3%	7.5%	7.45%
EPS 3Y	10.8%	8.1%	3.8%	1.3%	2.8%	2.4%	1.4%	2.8%	-3.6%	-7.6%	-11.1%	-15.5%	-14.5%	-14.8%	—	—	—	—	-13.0%	-11.5%	-11.49%
EPS 5Y	11.4%	10.5%	10.3%	8.8%	8.7%	8.5%	9.4%	6.4%	2.0%	-2.3%	-6.4%	-7.5%	-7.6%	-8.1%	—	—	—	—	-7.5%	-9.4%	-9.39%
Net Income 3Y	10.9%	8.2%	4.0%	1.5%	2.8%	2.2%	1.2%	2.3%	-4.1%	-8.1%	-11.6%	-16.1%	-15.1%	-15.3%	—	—	—	—	-10.0%	-8.2%	-8.17%
Net Income 5Y	11.7%	10.8%	10.6%	9.0%	8.8%	8.5%	9.3%	6.2%	1.6%	-2.7%	-6.8%	-7.9%	-7.9%	-8.3%	—	—	—	—	-5.6%	-7.6%	-7.65%
EBITDA 3Y	4.6%	3.7%	4.1%	1.6%	2.8%	2.1%	1.1%	2.2%	-3.8%	-7.7%	-13.0%	-17.3%	-16.3%	-16.7%	—	—	—	—	-9.6%	-8.3%	-8.34%
EBITDA 5Y	7.9%	7.0%	6.8%	5.4%	5.1%	4.8%	3.1%	1.3%	-1.9%	-5.0%	-7.6%	-8.7%	-8.7%	-9.1%	—	—	—	—	-5.4%	-7.7%	-7.70%
Gross Profit 3Y	6.4%	6.1%	6.3%	4.8%	4.7%	4.3%	3.4%	3.7%	1.3%	-0.9%	-3.8%	-6.4%	-6.5%	-6.7%	-25.4%	-23.3%	-21.7%	-21.5%	-2.0%	-1.2%	-1.20%
Gross Profit 5Y	6.7%	6.4%	6.3%	5.5%	5.2%	4.8%	3.9%	3.1%	2.0%	0.9%	-0.3%	-0.9%	-1.0%	-1.3%	-13.5%	-12.3%	-11.6%	-11.8%	-0.6%	-1.6%	-1.62%
Op. Income 3Y	4.8%	3.8%	4.2%	1.6%	2.9%	2.2%	1.1%	2.2%	-4.2%	-8.4%	-14.1%	-18.6%	-17.5%	-17.8%	—	—	—	—	-9.6%	-7.7%	-7.74%
Op. Income 5Y	8.5%	7.6%	7.4%	5.9%	5.5%	5.2%	3.3%	1.4%	-2.0%	-5.4%	-8.2%	-9.4%	-9.4%	-9.8%	—	—	—	—	-5.4%	-7.5%	-7.52%
FCF 3Y	10.1%	19.2%	7.2%	21.6%	6.0%	1.8%	15.0%	18.5%	-12.8%	1.7%	-7.1%	-17.8%	-13.1%	-27.8%	-18.0%	-24.2%	-11.3%	5.1%	-21.1%	-12.2%	-12.23%
FCF 5Y	14.7%	34.7%	11.7%	22.6%	9.2%	-3.2%	13.6%	5.3%	-4.9%	-5.0%	-19.6%	-25.4%	-7.5%	-4.6%	-5.3%	5.0%	-1.7%	6.0%	9.7%	10.6%	10.65%
OCF 3Y	10.1%	19.0%	6.7%	20.1%	5.7%	2.1%	15.5%	19.9%	-9.6%	4.1%	-4.7%	-14.5%	-12.3%	-26.1%	-17.0%	-23.4%	-11.6%	2.9%	-12.8%	-3.4%	-3.40%
OCF 5Y	13.2%	31.3%	11.3%	21.9%	9.3%	-2.3%	13.7%	6.0%	-3.2%	-3.8%	-17.5%	-22.9%	-7.1%	-4.0%	-4.7%	5.3%	-1.6%	5.7%	15.5%	16.5%	16.49%
Assets 3Y	8.0%	8.0%	5.3%	5.3%	5.3%	5.3%	8.0%	8.0%	8.0%	8.0%	8.0%	8.0%	8.0%	8.0%	5.8%	5.8%	5.8%	5.8%	-0.2%	-0.2%	-0.19%
Assets 5Y	8.7%	8.7%	6.0%	6.0%	6.0%	6.0%	8.0%	8.0%	8.0%	8.0%	7.5%	7.5%	7.5%	7.5%	5.5%	5.5%	5.5%	5.5%	3.0%	3.0%	3.00%
Equity 3Y	8.9%	8.9%	8.0%	8.0%	8.0%	8.0%	-3.4%	-3.4%	-3.4%	-3.4%	-4.0%	-4.0%	-4.0%	-4.0%	-4.0%	-4.0%	-4.0%	-4.0%	6.2%	6.2%	6.21%
Book Value 3Y	8.8%	8.8%	7.8%	7.8%	8.0%	8.3%	-3.2%	-2.9%	-2.9%	-2.9%	-3.5%	-3.3%	-3.4%	-3.4%	-4.0%	-7.2%	-7.4%	-7.3%	2.7%	2.4%	2.38%
Dividend 3Y	0.2%	0.4%	0.6%	0.9%	1.1%	1.4%	1.4%	1.6%	1.4%	1.4%	1.4%	1.2%	0.9%	0.6%	-0.2%	-2.4%	-1.4%	-0.4%	0.7%	-0.8%	-0.80%

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	0.83	0.70	0.58	0.39	0.24	0.23	0.35	0.44	0.44	0.47	0.48	0.52	0.55	0.57	0.38	0.36	0.31	0.28	0.59	0.54	0.539
Earnings Stability	0.94	0.91	0.83	0.77	0.88	0.84	0.59	0.39	0.10	0.01	0.22	0.28	0.45	0.52	0.55	0.56	0.63	0.65	0.34	0.38	0.382
Margin Stability	0.92	0.92	0.91	0.90	0.89	0.90	0.91	0.90	0.86	0.82	0.80	0.77	0.74	0.72	0.62	0.63	0.63	0.63	0.63	0.64	0.643
Rev. Growth Consistency	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	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.500
Earn. Growth Consistency	0.50	0.50	1.00	0.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.500
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	0.96	0.95	0.96	0.97	1.00	1.00	0.97	0.97	0.91	0.88	0.87	0.87	0.91	0.95	0.20	0.20	0.20	0.20	0.20	0.20	0.200
Earnings Smoothness	0.89	0.88	0.90	0.93	0.99	1.00	0.93	0.93	0.76	0.63	0.61	0.62	0.74	0.87	—	—	—	—	—	—	—
ROE Trend	-0.00	-0.00	0.00	-0.01	-0.00	-0.00	0.02	0.01	-0.01	-0.02	-0.05	-0.04	-0.04	-0.03	-0.19	-0.18	-0.16	-0.15	0.07	0.07	0.075
Gross Margin Trend	0.14	0.16	0.18	0.15	0.14	0.09	-0.02	-0.14	-0.27	-0.34	-0.38	-0.37	-0.34	-0.30	-0.38	-0.30	-0.21	-0.15	0.13	0.15	0.146
FCF Margin Trend	0.03	0.28	0.21	0.44	0.10	-0.09	0.15	-0.08	-0.20	-0.21	-0.33	-0.39	-0.13	-0.09	-0.07	0.04	0.07	0.10	0.02	0.02	0.019
Sustainable Growth Rate	7.5%	7.5%	7.4%	6.6%	7.0%	6.9%	6.7%	5.9%	4.2%	2.6%	2.1%	1.7%	1.6%	1.6%	—	—	—	—	1.7%	1.8%	1.81%
Internal Growth Rate	0.7%	0.7%	0.7%	0.6%	0.7%	0.7%	0.5%	0.5%	0.3%	0.2%	0.1%	0.1%	0.1%	0.1%	—	—	—	—	0.1%	0.1%	0.14%

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	1.08	1.66	1.31	1.96	1.23	0.87	1.58	1.26	0.87	1.18	0.66	0.49	1.19	1.11	-2.06	-2.39	-2.64	-2.92	1.43	1.46	1.464
FCF/OCF	0.95	0.97	0.97	0.98	0.96	0.92	0.95	0.92	0.87	0.90	0.84	0.80	0.92	0.90	0.93	0.95	0.97	0.98	0.70	0.69	0.694
FCF/Net Income	snapshot only																				1.016
OCF/EBITDA	snapshot only																				1.102
CapEx/Revenue	1.7%	1.7%	1.4%	1.4%	1.8%	2.1%	2.4%	2.3%	2.1%	1.7%	1.4%	1.2%	1.1%	1.3%	1.3%	1.1%	0.7%	0.4%	0.0%	0.3%	0.32%
CapEx/Depreciation	snapshot only																				0.571
Accruals Ratio	-0.00	-0.01	-0.00	-0.01	-0.00	0.00	-0.01	-0.00	0.00	-0.00	0.00	0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.004
Sloan Accruals	snapshot only																				0.255
Cash Flow Adequacy	snapshot only																				1.735
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	5.3%	5.1%	4.8%	5.1%	5.6%	5.8%	5.7%	7.7%	9.9%	10.0%	8.0%	9.4%	9.2%	7.6%	7.6%	7.0%	7.8%	7.7%	7.8%	6.9%	6.98%
Dividend/Share	$2.06	$2.07	$2.08	$2.10	$2.13	$2.16	$2.17	$2.21	$2.24	$2.25	$2.26	$2.26	$2.24	$2.24	$2.20	$2.05	$2.11	$2.19	$2.26	$2.25	$2.24
Payout Ratio	48.0%	48.0%	47.3%	50.4%	49.2%	49.6%	52.5%	55.7%	64.3%	74.1%	80.2%	83.2%	83.7%	84.1%	—	—	—	—	82.9%	82.1%	82.06%
FCF Payout Ratio	46.9%	29.9%	37.3%	26.4%	41.8%	61.7%	35.2%	47.9%	85.1%	69.4%	1.5%	2.1%	76.2%	84.5%	71.5%	65.3%	65.9%	59.9%	82.4%	80.8%	80.80%
Total Payout Ratio	48.0%	48.0%	47.3%	50.4%	60.6%	62.2%	65.7%	82.5%	80.5%	90.9%	98.5%	83.4%	83.9%	84.2%	—	—	—	—	82.9%	82.1%	82.06%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0	1	1	0	0	1	1
Chowder Number	0.06	0.07	0.07	0.08	0.09	0.09	0.09	0.11	0.13	0.13	0.11	0.11	0.10	0.08	0.07	0.10	0.14	0.18	0.21	0.16	0.159
Buyback Yield	0.0%	0.0%	0.0%	0.0%	1.3%	1.5%	1.4%	3.7%	2.5%	2.3%	1.8%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	1.2%	0.0%	0.0%	0.00%
Net Buyback Yield	0.0%	0.0%	0.0%	0.0%	1.3%	1.5%	1.4%	3.7%	2.5%	2.3%	1.8%	0.0%	0.0%	0.0%	-14.0%	-12.5%	-13.3%	-11.7%	0.0%	-0.0%	-0.01%
Total Shareholder Return	5.3%	5.1%	4.8%	5.1%	6.8%	7.3%	7.1%	11.4%	12.4%	12.2%	9.8%	9.4%	9.2%	7.7%	-6.4%	-5.5%	-5.6%	-3.9%	7.8%	6.8%	6.84%

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)	0.78	0.78	0.78	0.78	0.79	0.79	0.79	0.79	0.79	0.79	0.85	0.86	0.85	0.85	0.72	0.73	0.73	0.73	0.77	0.78	0.777
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	0.38	0.39	0.40	0.39	0.41	0.40	0.35	0.30	0.24	0.19	0.15	0.14	0.14	0.13	-0.12	-0.12	-0.11	-0.11	0.18	0.18	0.179
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.04	0.04	0.04	0.04	0.06	0.06	0.056
Equity Multiplier	10.61	10.61	10.52	10.52	10.52	10.52	12.28	12.28	12.28	12.28	14.96	14.96	14.96	14.96	14.53	14.53	14.53	14.53	12.99	12.99	12.990

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)	$4.29	$4.31	$4.40	$4.17	$4.33	$4.35	$4.14	$3.96	$3.48	$3.04	$2.82	$2.71	$2.68	$2.67	$-1.61	$-1.38	$-1.26	$-1.27	$2.73	$2.75	$2.75
Book Value/Share	$30.64	$30.62	$32.33	$32.31	$32.43	$32.65	$26.19	$26.42	$26.64	$26.62	$27.69	$27.68	$27.63	$27.58	$28.63	$25.80	$25.79	$25.97	$28.37	$28.35	$28.72
Tangible Book/Share	$26.61	$26.60	$28.36	$28.34	$28.45	$28.64	$22.24	$22.43	$22.62	$22.60	$23.73	$23.72	$23.67	$23.63	$24.81	$22.35	$22.35	$22.50	$24.81	$24.79	$24.79
Revenue/Share	$14.59	$14.24	$13.93	$13.51	$13.47	$14.00	$14.84	$16.51	$18.50	$20.13	$21.37	$22.44	$23.10	$23.52	$17.81	$15.78	$15.48	$15.31	$19.89	$19.72	$19.86
FCF/Share	$4.40	$6.94	$5.57	$7.97	$5.10	$3.50	$6.17	$4.61	$2.63	$3.24	$1.56	$1.05	$2.94	$2.65	$3.08	$3.13	$3.20	$3.66	$2.74	$2.79	$2.81
OCF/Share	$4.64	$7.18	$5.77	$8.16	$5.34	$3.80	$6.52	$4.98	$3.02	$3.59	$1.85	$1.32	$3.19	$2.95	$3.30	$3.31	$3.32	$3.72	$3.91	$4.02	$2.87
Cash/Share	$62.91	$62.88	$69.92	$69.86	$70.14	$70.61	$64.23	$64.78	$65.32	$65.27	$63.89	$63.87	$63.74	$63.63	$10.18	$9.17	$9.17	$9.23	$2.21	$2.21	$2.11
EBITDA/Share	$5.75	$5.79	$5.87	$5.57	$5.76	$5.79	$5.51	$5.29	$4.69	$4.11	$3.59	$3.46	$3.43	$3.41	$-1.95	$-1.67	$-1.50	$-1.51	$3.69	$3.65	$3.65
Debt/Share	$37.18	$37.16	$11.26	$11.25	$11.29	$11.37	$59.60	$60.12	$60.61	$60.57	$72.92	$72.90	$72.75	$72.62	$67.46	$60.78	$60.76	$61.18	$37.90	$37.87	$37.87
Net Debt/Share	$-25.73	$-25.72	$-58.66	$-58.61	$-58.84	$-59.24	$-4.63	$-4.67	$-4.70	$-4.70	$9.03	$9.03	$9.01	$8.99	$57.28	$51.61	$51.60	$51.95	$35.69	$35.66	$35.66

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.725
Altman Z-Prime	snapshot only																				-2.784
Piotroski F-Score	6	6	6	4	6	4	5	6	5	6	5	5	5	5	2	3	3	3	6	7	7
Beneish M-Score	-2.71	-2.65	-2.64	-2.65	-2.53	-2.28	-2.00	-1.67	-1.42	-1.66	-1.84	-2.04	-2.24	-2.32	-7.61	-2.63	-2.48	-2.60	4.43	-2.40	-2.405
Ohlson O-Score	snapshot only																				0.954
Net-Net WC	snapshot only																				$-314.80
EVA	snapshot only																				$-70070801.00

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																				BB-
Credit Score	61.96	61.96	80.38	85.63	80.81	79.93	53.31	51.38	41.86	43.10	41.89	39.74	39.69	39.72	18.43	19.14	19.00	19.02	38.90	37.97	37.965
Credit Grade	snapshot only																				13
Credit Trend	snapshot only																				18.823
Implied Spread (bps)	snapshot only																				550.000
Industry Credit Rank	snapshot only																				15
Sector Credit Rank	snapshot only																				24

WASH 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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