Also trades as: WSBCP (NASDAQ) · $vol 0M · WSBCO (NASDAQ) · $vol 0M

$38.87

-0.20 (-0.50%)

Weekly Expected Move ±3.1%

$37 $38 $39 $40 $41

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 68 · $3.7B mcap · 93M float · 1.33% daily turnover · Short 78% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

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

47.3 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 65.7% · 5Y Avg: 12.2%

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. WSBC shows a Weak competitive edge (47.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 65.7% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

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

Analyst Price Targets

$44

Low

$45

Avg Target

$45

High

Based on 6 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 7Hold: 9Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$45.00

Analysts1

Consensus Change History

Date	Field	From	To
2026-07-23	consensus	Buy	Hold
2026-04-24	consensus	Hold	Buy

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-06	Piper Sandler	Manuel Navas	$43	$45	+2	+19.2%	$37.75
2026-07-23	RBC Capital	—	$36	$44	+8	+10.6%	$39.79
2026-07-23	D.A. Davidson	Jake Civiello	$42	$46	+4	+15.4%	$39.88
2026-06-26	Piper Sandler	—	$42	$43	+1	+11.6%	$38.55
2026-03-12	Raymond James	Daniel Tamayo	$34	$41	+7	+24.3%	$32.98
2025-12-17	Piper Sandler	—	Initiated	$42	—	+21.0%	$34.71
2025-01-08	RBC Capital	Jon Arfstrom	$35	$36	+1	+13.7%	$31.67
2024-07-29	RBC Capital	Jon Arfstrom	Initiated	$35	—	+5.9%	$33.06
2024-07-29	D.A. Davidson	Manuel Navas	$35	$42	+7	+27.7%	$32.88
2024-04-25	D.A. Davidson	Manuel Navas	Initiated	$35	—	+26.7%	$27.64
2024-04-25	Stephens	Russell Gunther	Initiated	$27	—	-4.5%	$28.28
2024-01-05	Raymond James	Wallave William IV	Initiated	$34	—	+11.8%	$30.42

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.

Oct 27, 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. WSBC receives an overall rating of A. Strongest factors: DCF (5/5), ROA (4/5), P/B (4/5).

Rating Change History

Date	From	To
2026-10-22	A-	A
2026-10-01	B+	A-
2026-09-10	A-	B+
2026-08-24	B+	A-
2026-08-17	A-	B+
2026-07-25	B+	A-
2026-07-23	A-	B+
2026-05-11	A	A-
2026-05-04	A-	A
2026-04-01	B+	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.

★ ★ ★ ★ ★ 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. WSBC scores highest in Momentum (96/100) and lowest in Balance Sheet (54/100). An overall grade of A places WSBC 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

3.37

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓

Beneish M-Score

-2.59

Unlikely Manipulator

Ohlson O-Score

-5.04

Bankruptcy prob: 0.6%

Low Risk

Credit Rating

A-

Score: 67.4/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.11x

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. WSBC scores 3.37, 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. WSBC 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. WSBC's score of -2.59 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. WSBC's implied 0.6% 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. WSBC receives an estimated rating of A- (score: 67.4/100), 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). WSBC'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

10.90x

PEG

0.13x

P/S

2.45x

P/B

0.91x

P/FCF

9.92x

P/OCF

9.44x

EV/EBITDA

0.37x

EV/Revenue

0.12x

EV/EBIT

0.39x

EV/FCF

0.47x

Earnings Yield

9.52%

FCF Yield

10.08%

Shareholder Yield

8.52%

Graham Number

$59.33

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 10.9x earnings, WSBC trades at a reasonable valuation. An earnings yield of 9.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $59.33 per share, suggesting a potential 52% 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

0.797

NI / EBT

Interest Burden

0.993

EBT / EBIT

EBIT Margin

0.297

EBIT / Rev

Asset Turnover

0.055

Rev / Assets

Equity Multiplier

6.983

Assets / Equity

ROE

9.0%

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. WSBC's ROE of 9.0% is driven by financial leverage (equity multiplier: 6.98x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

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

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

Adj. Growth Rate

4.34%

Fair P/E

17.18x

Intrinsic Value

$63.23

Price/Value

0.61x

Margin of Safety

38.85%

Premium

-38.85%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with WSBC's realized 4.3% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. WSBC trades at a -39% premium to its adjusted intrinsic value of $63.23, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 17.2x compares to the current market P/E of 10.9x.

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

$39.06

Median 1Y

$39.11

5th Pctile

$22.06

95th Pctile

$69.30

Ann. Volatility

35.5%

Analyst Target

$45.00

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
Jeffrey H. Jackson President & Chief Executive Officer	$962,325	$1,685,520	$4,683,980
Brent E. Richmond Former Executive Vice President	$190,262	$279,899	$2,175,926
Jayson M. Zatta Sr. Executive Vice President & Chief Banking Officer	$565,733	$671,308	$2,079,099
Daniel K. Weiss, Jr. Sr. Executive Vice President & Chief Financial Officer	$481,155	$597,946	$1,811,017
Michael L. Perkins Sr. Executive Vice President & Chief Risk Officer	$388,355	$376,629	$1,349,758
Jan M. Pattishall-Krupinski Sr. Executive Vice President & Chief Administrative Officer	$399,650	$365,734	$1,321,091

CEO Pay Ratio

41:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $4,683,980

Avg Employee Cost (SGA/emp): $114,510

Employees: 2,969

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

2,969

+35.3% YoY

Revenue / Employee

$483,256

Rev: $1,434,787,000

Profit / Employee

$75,145

NI: $223,106,000

SGA / Employee

$114,510

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	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	8.8%	8.9%	8.0%	7.1%	7.6%	7.5%	7.6%	7.8%	7.3%	6.4%	6.1%	5.4%	5.2%	5.7%	3.4%	4.3%	5.3%	6.5%	8.2%	9.0%	8.98%
ROA	1.4%	1.5%	1.2%	1.1%	1.2%	1.1%	1.1%	1.1%	1.0%	0.9%	0.9%	0.8%	0.8%	0.8%	0.5%	0.6%	0.8%	1.0%	1.2%	1.3%	1.29%
ROIC	-28.2%	-21.8%	-18.2%	-58.8%	-1.2%	31.5%	17.5%	14.4%	13.9%	10.8%	10.6%	7.5%	8.8%	4.4%	2.4%	2.9%	3.9%	4.1%	6.2%	65.7%	65.70%
ROCE	9.1%	9.4%	8.4%	7.4%	7.9%	6.5%	5.5%	5.4%	5.2%	4.4%	4.5%	3.6%	3.7%	4.3%	2.2%	0.6%	3.7%	1.1%	1.5%	9.4%	9.44%
Gross Margin	97.1%	1.1%	99.3%	96.2%	94.5%	87.4%	78.7%	72.1%	66.0%	64.3%	62.0%	58.4%	59.7%	65.0%	43.0%	67.6%	66.8%	69.4%	69.6%	68.9%	68.89%
Operating Margin	36.3%	45.8%	38.2%	36.8%	39.6%	36.6%	28.0%	26.2%	20.8%	19.8%	19.3%	15.0%	18.5%	24.9%	-3.4%	18.7%	26.7%	30.7%	30.9%	30.4%	30.45%
Net Margin	29.2%	37.4%	31.3%	29.7%	32.2%	29.8%	22.7%	21.8%	17.3%	15.9%	15.9%	12.4%	15.4%	20.0%	-3.1%	15.1%	21.6%	23.8%	24.6%	24.0%	24.01%
EBITDA Margin	38.1%	47.8%	40.1%	38.6%	41.2%	38.0%	29.3%	27.3%	21.9%	20.9%	20.3%	15.9%	19.4%	25.7%	-1.9%	21.2%	28.9%	32.6%	32.9%	30.4%	30.45%
FCF Margin	49.7%	53.8%	54.7%	32.0%	41.9%	31.4%	22.0%	21.0%	13.7%	17.8%	24.3%	21.0%	19.8%	21.2%	10.7%	16.2%	18.9%	18.3%	26.5%	24.9%	24.88%
OCF Margin	50.9%	55.2%	55.8%	33.1%	43.2%	32.7%	24.9%	24.1%	16.6%	20.5%	25.9%	21.8%	20.8%	22.3%	11.9%	17.9%	20.2%	20.2%	28.1%	26.1%	26.14%
ROE 3Y Avg	snapshot only																				5.86%
ROE 5Y Avg	snapshot only																				6.58%
ROA 3Y Avg	snapshot only																				0.84%
ROIC Economic	snapshot only																				6.15%
Cash ROA	snapshot only																				1.42%
Cash ROIC	snapshot only																				72.60%
CROIC	snapshot only																				69.08%
NOPAT Margin	snapshot only																				23.66%
Pretax Margin	snapshot only																				29.50%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				25.48%
SBC / Revenue	snapshot only																				0.58%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	7.36	7.37	8.09	8.48	8.54	9.60	8.12	6.79	7.17	10.35	10.40	11.05	12.87	13.31	20.89	19.15	15.12	12.96	10.15	10.50	10.903
P/S Ratio	2.86	2.93	2.90	2.70	2.79	2.95	2.31	1.78	1.62	2.00	1.84	1.69	1.92	2.13	2.21	2.24	2.11	2.01	2.16	2.47	2.450
P/B Ratio	0.65	0.66	0.68	0.64	0.69	0.76	0.62	0.53	0.52	0.65	0.62	0.59	0.63	0.72	0.59	0.68	0.67	0.72	0.80	0.91	0.912
P/FCF	5.76	5.45	5.31	8.45	6.66	9.40	10.47	8.47	11.80	11.21	7.54	8.07	9.67	10.05	20.66	13.84	11.19	11.04	8.15	9.92	9.923
P/OCF	5.63	5.31	5.20	8.16	6.45	9.03	9.24	7.41	9.76	9.72	7.10	7.76	9.23	9.56	18.61	12.53	10.44	9.95	7.69	9.44	9.441
EV/EBITDA	-5.79	-6.45	-7.23	-5.06	-3.62	0.11	0.64	0.72	0.39	2.91	2.48	4.45	2.90	14.00	20.16	18.31	12.98	13.97	10.19	0.37	0.371
EV/Revenue	-2.91	-3.32	-3.35	-2.08	-1.52	0.04	0.23	0.24	0.11	0.72	0.56	0.87	0.55	2.86	2.84	2.94	2.50	3.03	2.94	0.12	0.116
EV/EBIT	-6.02	-6.69	-7.53	-5.30	-3.78	0.12	0.66	0.75	0.40	3.05	2.60	4.68	3.04	14.63	21.74	20.22	14.34	15.41	11.00	0.39	0.390
EV/FCF	-5.87	-6.16	-6.12	-6.51	-3.62	0.14	1.05	1.15	0.81	4.03	2.29	4.17	2.78	13.49	26.57	18.14	13.25	16.61	11.12	0.47	0.465
Earnings Yield	13.6%	13.6%	12.4%	11.8%	11.7%	10.4%	12.3%	14.7%	13.9%	9.7%	9.6%	9.1%	7.8%	7.5%	4.8%	5.2%	6.6%	7.7%	9.9%	9.5%	9.52%
FCF Yield	17.4%	18.4%	18.8%	11.8%	15.0%	10.6%	9.5%	11.8%	8.5%	8.9%	13.3%	12.4%	10.3%	9.9%	4.8%	7.2%	8.9%	9.1%	12.3%	10.1%	10.08%
PEG Ratio	snapshot only																				0.134
Price/Tangible Book	snapshot only																				1.558
EV/OCF	snapshot only																				0.443
EV/Gross Profit	snapshot only																				0.169
Acquirers Multiple	snapshot only																				0.390
Shareholder Yield	snapshot only																				8.52%
Graham Number	snapshot only																				$59.33

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.31	0.32	0.31	0.25	0.23	0.23	0.24	0.23	0.21	0.22	0.20	0.20	0.21	0.06	0.07	43.28	0.06	0.25	2.80	0.24	0.235
Quick Ratio	0.31	0.32	0.31	0.25	0.23	0.23	0.24	0.23	0.21	0.22	0.20	0.20	0.21	0.06	0.07	43.28	0.06	0.25	2.80	0.24	0.235
Debt/Equity	0.19	0.17	0.22	0.22	0.19	0.46	0.68	0.72	0.62	0.68	0.60	0.73	0.57	0.53	0.52	0.58	0.42	0.41	0.34	0.43	0.425
Net Debt/Equity	-1.31	-1.41	-1.46	-1.13	-1.07	-0.75	-0.56	-0.46	-0.48	-0.42	-0.43	-0.29	-0.45	0.25	0.17	0.21	0.12	0.36	0.29	-0.87	-0.867
Debt/Assets	0.03	0.03	0.03	0.03	0.03	0.07	0.10	0.10	0.09	0.10	0.09	0.10	0.09	0.08	0.07	0.08	0.06	0.06	0.05	0.06	0.063
Debt/EBITDA	1.70	1.46	2.04	2.31	1.87	4.55	6.84	7.19	6.76	8.54	7.86	10.63	9.11	7.61	13.93	11.92	6.98	5.35	3.21	3.70	3.696
Net Debt/EBITDA	-11.47	-12.15	-13.49	-11.63	-10.27	-7.36	-5.68	-4.60	-5.26	-5.19	-5.69	-4.17	-7.16	3.57	4.49	4.35	2.01	4.69	2.72	-7.54	-7.539
Interest Coverage	9.12	11.17	11.54	10.54	9.48	6.01	3.30	1.97	1.22	0.84	0.67	0.54	0.50	0.53	0.37	0.43	0.53	0.62	0.85	0.97	0.969
Equity Multiplier	6.20	6.29	6.71	6.81	6.93	6.98	6.98	7.04	7.09	6.99	7.00	7.13	6.61	6.70	7.25	7.22	6.68	6.87	6.75	6.76	6.764
Cash Ratio	snapshot only																				0.231
Debt Service Coverage	snapshot only																				1.018
Cash to Debt	snapshot only																				3.040
FCF to Debt	snapshot only																				0.216
Defensive Interval	snapshot only																				3348.0 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.05	0.06	0.06	0.05	0.05	0.055
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	9.76	9.55	9.20	9.24	9.49	9.66	10.35	11.13	11.45	11.30	11.67	11.90	12.05	12.17	10.78	12.42	13.81	15.51	14.09	14.51	14.514
Payables Turnover	-4.80	-11.98	-6.72	0.69	1.99	11.60	16.17	22.01	24.31	31.55	24.87	27.44	25.74	28.93	20.93	22.76	23.96	74.76	35.95	36.57	36.569
DSO	37	38	40	40	38	38	35	33	32	32	31	31	30	30	34	29	26	24	26	25	25.1 days
DIO	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	—	—	—	529	183	31	23	17	15	12	15	13	14	13	17	16	15	5	10	10	10.0 days
Cash Conversion Cycle	—	—	—	-489	-145	6	13	16	17	21	17	17	16	17	16	13	11	19	16	15	15.2 days
Fixed Asset Turnover	snapshot only																				6.104
Cash Velocity	snapshot only																				0.285
Capital Intensity	snapshot only																				18.348

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	-5.3%	-7.2%	-7.5%	-8.3%	-4.1%	2.6%	12.8%	26.0%	31.3%	31.9%	28.7%	21.4%	17.7%	14.9%	17.1%	30.0%	41.6%	51.4%	49.3%	31.0%	31.03%
Net Income	1.3%	98.5%	24.2%	-22.0%	-19.5%	-20.7%	-10.8%	3.8%	-9.2%	-17.2%	-19.9%	-29.1%	-22.4%	-4.7%	-29.9%	-0.8%	32.7%	47.3%	2.0%	1.6%	1.63%
EPS	1.4%	1.1%	35.8%	-13.1%	-12.2%	-15.6%	-7.4%	5.2%	-8.8%	-17.4%	-20.1%	-29.4%	-28.6%	-15.4%	-45.8%	-31.6%	-4.4%	10.0%	1.4%	1.4%	1.35%
FCF	10.8%	5.3%	3.5%	-3.3%	-19.1%	-40.2%	-54.6%	-17.1%	-57.0%	-25.2%	42.3%	21.1%	70.1%	36.7%	-48.6%	0.3%	34.6%	30.5%	2.7%	1.0%	1.01%
EBITDA	1.3%	97.7%	24.0%	-21.9%	-20.1%	-21.3%	-11.2%	2.6%	-10.1%	-17.7%	-20.7%	-28.7%	-21.8%	-4.8%	-26.6%	6.1%	43.0%	61.0%	2.1%	1.5%	1.55%
Op. Income	1.4%	1.1%	26.3%	-22.3%	-20.5%	-21.7%	-11.3%	3.2%	-10.1%	-17.9%	-21.1%	-29.5%	-22.3%	-4.6%	-28.7%	1.1%	35.9%	52.5%	2.1%	1.7%	1.68%
OCF Growth	snapshot only																				91.53%
Asset Growth	snapshot only																				0.82%
Equity Growth	snapshot only																				7.61%
Debt Growth	snapshot only																				-20.99%
Shares Change	snapshot only																				11.84%
Dividend Growth	snapshot only																				22.36%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	9.6%	6.2%	2.9%	0.4%	0.6%	1.7%	2.8%	5.0%	6.1%	7.9%	10.3%	12.0%	14.0%	15.8%	19.3%	25.7%	29.8%	31.9%	31.0%	27.4%	27.39%
Revenue 5Y	12.2%	10.9%	9.4%	8.0%	7.6%	8.4%	9.6%	10.6%	10.7%	10.1%	9.6%	9.1%	9.5%	9.8%	10.3%	12.8%	14.7%	16.9%	18.6%	19.0%	19.03%
EPS 3Y	17.5%	13.6%	8.1%	1.4%	2.3%	7.2%	15.1%	28.9%	23.6%	13.8%	0.1%	-13.6%	-17.0%	-16.1%	-26.3%	-20.2%	-14.6%	-8.4%	1.3%	4.3%	4.34%
EPS 5Y	11.5%	14.2%	11.2%	7.7%	6.9%	8.6%	6.8%	6.8%	5.4%	0.4%	-1.4%	-5.0%	-7.0%	-2.9%	-8.0%	0.7%	5.2%	6.5%	5.5%	0.7%	0.75%
Net Income 3Y	27.9%	19.2%	12.5%	4.7%	5.3%	6.5%	10.3%	23.7%	18.6%	9.2%	-3.9%	-16.9%	-17.2%	-14.5%	-20.6%	-10.0%	-2.2%	5.1%	19.0%	22.8%	22.75%
Net Income 5Y	23.0%	22.8%	18.9%	14.6%	13.5%	15.3%	13.3%	12.1%	8.9%	2.1%	0.3%	-3.3%	-3.8%	-0.9%	-5.5%	5.9%	11.5%	12.8%	13.3%	8.4%	8.40%
EBITDA 3Y	23.8%	20.0%	12.9%	4.9%	5.1%	6.6%	10.3%	22.7%	17.8%	8.6%	-4.4%	-17.1%	-17.5%	-14.9%	-19.8%	-8.1%	0.2%	8.1%	21.2%	24.4%	24.44%
EBITDA 5Y	21.2%	20.9%	16.8%	12.4%	11.1%	10.0%	9.3%	8.7%	6.4%	2.3%	0.3%	-3.3%	-4.0%	-1.0%	-4.8%	6.9%	12.8%	14.5%	14.4%	9.1%	9.06%
Gross Profit 3Y	16.5%	14.2%	9.7%	6.1%	6.3%	5.6%	6.4%	10.0%	7.6%	5.8%	1.5%	-3.9%	-4.2%	-3.5%	-2.6%	5.8%	10.8%	15.4%	20.1%	19.8%	19.85%
Gross Profit 5Y	15.6%	15.0%	12.7%	10.6%	10.2%	10.0%	10.0%	9.7%	7.9%	5.9%	4.2%	2.8%	2.8%	3.1%	2.8%	8.6%	11.1%	13.1%	13.6%	10.7%	10.66%
Op. Income 3Y	23.6%	20.0%	13.0%	4.9%	5.3%	7.0%	11.1%	25.0%	20.1%	10.2%	-4.0%	-17.3%	-17.8%	-15.0%	-20.7%	-9.7%	-1.7%	6.1%	19.8%	24.1%	24.06%
Op. Income 5Y	20.9%	20.7%	16.6%	12.2%	10.9%	9.8%	9.0%	8.5%	6.2%	2.1%	0.2%	-3.4%	-4.0%	-0.9%	-5.0%	6.8%	12.8%	14.2%	14.0%	8.9%	8.88%
FCF 3Y	22.3%	20.6%	16.8%	-0.9%	6.4%	9.1%	3.8%	-2.3%	60.2%	41.3%	43.1%	-1.0%	-16.0%	-15.1%	-30.7%	0.2%	-0.5%	10.1%	39.3%	34.7%	34.70%
FCF 5Y	22.2%	21.9%	20.7%	9.9%	15.0%	7.7%	3.9%	0.6%	-8.6%	-4.7%	0.6%	-0.5%	-2.5%	5.8%	-3.9%	2.5%	56.6%	38.1%	41.0%	14.4%	14.41%
OCF 3Y	22.7%	20.7%	16.4%	-1.4%	5.7%	7.7%	4.9%	-0.0%	53.3%	41.6%	41.5%	-0.9%	-15.4%	-14.4%	-28.8%	2.4%	0.8%	12.5%	36.3%	31.0%	30.97%
OCF 5Y	21.5%	22.1%	20.5%	9.9%	14.9%	7.6%	5.8%	3.1%	-5.4%	-2.4%	1.1%	-0.7%	-2.5%	5.3%	-3.7%	3.2%	48.9%	37.3%	40.0%	14.7%	14.69%
Assets 3Y	10.3%	10.8%	10.7%	10.4%	9.7%	2.5%	2.6%	1.2%	1.6%	2.5%	1.4%	2.2%	3.1%	3.3%	17.0%	18.0%	18.3%	17.8%	16.7%	17.0%	17.00%
Assets 5Y	11.5%	11.6%	11.8%	11.2%	10.9%	11.5%	11.0%	9.7%	6.6%	7.3%	7.1%	7.7%	8.0%	3.5%	11.4%	10.5%	10.7%	11.0%	10.0%	10.4%	10.38%
Equity 3Y	12.2%	10.8%	8.0%	6.0%	4.5%	-2.2%	-1.4%	-1.4%	-3.6%	-2.8%	-3.0%	-2.9%	0.9%	1.2%	14.1%	15.7%	19.8%	18.4%	18.0%	18.6%	18.58%
Book Value 3Y	3.1%	5.6%	3.8%	2.7%	1.5%	-1.5%	2.9%	2.8%	0.5%	1.3%	1.0%	0.9%	1.2%	-0.8%	5.9%	2.5%	4.6%	3.2%	0.5%	0.8%	0.79%
Dividend 3Y	-2.4%	-1.6%	-2.2%	-3.0%	-4.3%	-1.2%	2.8%	3.2%	3.9%	4.6%	4.8%	4.8%	1.1%	-0.2%	-4.6%	-5.1%	-3.1%	-1.6%	-1.9%	-5.6%	-5.63%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.90	0.86	0.76	0.63	0.60	0.67	0.73	0.72	0.69	0.69	0.70	0.68	0.71	0.74	0.74	0.73	0.70	0.71	0.77	0.86	0.859
Earnings Stability	0.59	0.68	0.93	0.54	0.54	0.58	0.81	0.41	0.31	0.14	0.15	0.01	0.00	0.00	0.13	0.02	0.00	0.05	0.08	0.06	0.062
Margin Stability	0.87	0.87	0.90	0.87	0.86	0.87	0.90	0.87	0.84	0.83	0.85	0.82	0.80	0.78	0.77	0.78	0.79	0.82	0.81	0.78	0.780
Rev. Growth Consistency	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	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	0.00	0.00	0.00	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	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	0.50	0.50	0.90	0.91	0.92	0.92	0.96	0.98	0.96	0.93	0.92	0.88	0.91	0.98	0.88	1.00	0.87	0.81	0.50	0.50	0.500
Earnings Smoothness	0.22	0.34	0.78	0.75	0.78	0.77	0.89	0.96	0.90	0.81	0.78	0.66	0.75	0.95	0.65	0.99	0.72	0.62	0.00	0.10	0.102
ROE Trend	0.03	0.04	0.03	0.01	0.02	0.01	0.00	-0.00	-0.01	-0.02	-0.02	-0.02	-0.03	-0.02	-0.04	-0.03	-0.02	-0.00	0.03	0.04	0.042
Gross Margin Trend	0.25	0.27	0.21	0.14	0.11	0.04	-0.05	-0.17	-0.25	-0.30	-0.30	-0.28	-0.26	-0.21	-0.21	-0.13	-0.07	-0.03	0.07	0.08	0.077
FCF Margin Trend	0.30	0.37	0.38	0.04	0.15	0.01	-0.11	-0.10	-0.32	-0.25	-0.14	-0.06	-0.08	-0.03	-0.12	-0.05	0.02	-0.01	0.09	0.06	0.063
Sustainable Growth Rate	5.3%	5.3%	4.4%	3.5%	4.0%	3.9%	3.9%	4.1%	3.5%	2.7%	2.4%	1.7%	1.6%	2.0%	0.2%	0.6%	1.5%	2.4%	4.2%	5.0%	5.01%
Internal Growth Rate	0.9%	0.9%	0.7%	0.5%	0.6%	0.6%	0.6%	0.6%	0.5%	0.4%	0.3%	0.2%	0.2%	0.3%	0.0%	0.1%	0.2%	0.4%	0.6%	0.7%	0.72%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.31	1.39	1.56	1.04	1.32	1.06	0.88	0.92	0.73	1.06	1.46	1.42	1.40	1.39	1.12	1.53	1.45	1.30	1.32	1.11	1.113
FCF/OCF	0.98	0.97	0.98	0.97	0.97	0.96	0.88	0.87	0.83	0.87	0.94	0.96	0.95	0.95	0.90	0.91	0.93	0.90	0.94	0.95	0.951
FCF/Net Income	snapshot only																				1.059
OCF/EBITDA	snapshot only																				0.838
CapEx/Revenue	1.2%	1.4%	1.1%	1.2%	1.3%	1.3%	2.9%	3.0%	2.9%	2.7%	1.5%	0.8%	0.9%	1.1%	1.2%	1.7%	1.4%	2.0%	1.6%	1.3%	1.27%
CapEx/Depreciation	snapshot only																				0.843
Accruals Ratio	-0.00	-0.01	-0.01	-0.00	-0.00	-0.00	0.00	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.001
Sloan Accruals	snapshot only																				-0.795
Cash Flow Adequacy	snapshot only																				2.245
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	5.5%	5.4%	5.5%	6.0%	5.6%	5.0%	5.9%	7.0%	7.3%	5.6%	5.9%	6.2%	5.4%	4.8%	4.5%	4.4%	4.7%	4.9%	4.7%	4.2%	3.92%
Dividend/Share	$1.49	$1.53	$1.55	$1.57	$1.55	$1.54	$1.54	$1.54	$1.55	$1.55	$1.56	$1.57	$1.46	$1.46	$1.31	$1.33	$1.44	$1.57	$1.60	$1.63	$1.52
Payout Ratio	40.2%	39.9%	44.9%	50.8%	47.7%	47.6%	48.0%	47.5%	52.1%	58.1%	61.1%	68.6%	68.9%	64.4%	94.4%	84.9%	71.0%	62.9%	48.2%	44.2%	44.16%
FCF Payout Ratio	31.5%	29.5%	29.4%	50.7%	37.2%	46.6%	61.9%	59.3%	85.7%	62.9%	44.3%	50.2%	51.7%	48.6%	93.4%	61.3%	52.6%	53.6%	38.7%	41.7%	41.72%
Total Payout Ratio	92.2%	1.1%	1.6%	1.7%	1.3%	1.1%	76.5%	58.7%	56.5%	60.3%	63.4%	69.5%	69.6%	64.4%	94.4%	85.1%	71.0%	1.3%	95.3%	89.5%	89.49%
Div. Increase Streak	1	1	1	1	0	0	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1
Chowder Number	0.26	0.15	0.11	0.06	0.01	-0.00	0.01	0.04	0.06	0.07	0.08	0.09	0.08	0.10	0.13	0.27	0.41	0.49	0.58	0.41	0.411
Buyback Yield	7.1%	10.1%	14.0%	14.2%	10.0%	6.3%	3.5%	1.7%	0.6%	0.2%	0.2%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%	5.2%	4.6%	4.3%	4.31%
Net Buyback Yield	7.1%	10.1%	14.0%	14.2%	10.0%	6.3%	3.5%	1.7%	0.6%	0.2%	0.2%	0.1%	-10.8%	-9.5%	-8.6%	-7.4%	-0.0%	5.2%	4.6%	4.3%	4.26%
Total Shareholder Return	12.5%	15.5%	19.5%	20.2%	15.6%	11.3%	9.4%	8.7%	7.9%	5.8%	6.1%	6.3%	-5.4%	-4.6%	-4.1%	-2.9%	4.7%	10.1%	9.4%	8.5%	8.47%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.80	0.80	0.81	0.81	0.81	0.81	0.81	0.82	0.82	0.82	0.82	0.82	0.82	0.82	0.81	0.81	0.80	0.80	0.80	0.80	0.797
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	0.99	0.99	0.99	0.993
EBIT Margin	0.48	0.50	0.44	0.39	0.40	0.38	0.35	0.32	0.27	0.24	0.21	0.19	0.18	0.20	0.13	0.15	0.17	0.20	0.27	0.30	0.297
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.05	0.06	0.06	0.05	0.05	0.055
Equity Multiplier	6.13	6.12	6.41	6.43	6.54	6.61	6.84	6.92	7.01	6.99	6.99	7.08	6.83	6.84	7.15	7.18	6.65	6.80	6.99	6.98	6.983

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$3.70	$3.83	$3.46	$3.08	$3.25	$3.24	$3.21	$3.24	$2.97	$2.67	$2.56	$2.29	$2.12	$2.26	$1.39	$1.57	$2.02	$2.49	$3.33	$3.68	$3.68
Book Value/Share	$41.86	$42.62	$41.36	$41.01	$40.13	$40.87	$41.69	$41.51	$41.18	$42.59	$42.64	$42.65	$43.35	$41.65	$49.10	$44.17	$45.88	$44.94	$42.27	$42.50	$42.55
Tangible Book/Share	$24.12	$24.40	$22.70	$21.96	$20.97	$21.65	$22.51	$22.37	$22.10	$23.55	$23.66	$23.74	$25.92	$24.87	$26.32	$23.99	$26.53	$25.73	$24.45	$24.82	$24.82
Revenue/Share	$9.52	$9.65	$9.65	$9.66	$9.96	$10.53	$11.29	$12.34	$13.13	$13.87	$14.49	$14.91	$14.21	$14.15	$13.11	$13.37	$14.50	$15.99	$15.66	$15.67	$15.83
FCF/Share	$4.73	$5.19	$5.28	$3.09	$4.17	$3.30	$2.49	$2.60	$1.80	$2.47	$3.53	$3.13	$2.82	$3.00	$1.40	$2.17	$2.73	$2.92	$4.15	$3.90	$3.93
OCF/Share	$4.84	$5.32	$5.39	$3.20	$4.30	$3.44	$2.82	$2.97	$2.18	$2.85	$3.75	$3.26	$2.95	$3.15	$1.56	$2.39	$2.93	$3.24	$4.40	$4.10	$4.13
Cash/Share	$63.13	$67.50	$69.50	$55.41	$50.66	$49.48	$51.60	$48.69	$45.27	$46.90	$44.17	$43.40	$44.09	$11.65	$17.47	$16.25	$13.85	$2.28	$2.23	$54.92	$56.75
EBITDA/Share	$4.80	$4.96	$4.48	$3.97	$4.17	$4.15	$4.12	$4.13	$3.77	$3.42	$3.26	$2.93	$2.71	$2.89	$1.85	$2.15	$2.79	$3.47	$4.52	$4.89	$4.89
Debt/Share	$8.13	$7.26	$9.14	$9.16	$7.81	$18.89	$28.17	$29.69	$25.47	$29.17	$25.62	$31.18	$24.68	$21.96	$25.77	$25.58	$19.47	$18.56	$14.51	$18.07	$18.07
Net Debt/Share	$-55.00	$-60.24	$-60.36	$-46.24	$-42.85	$-30.59	$-23.42	$-19.00	$-19.81	$-17.73	$-18.55	$-12.22	$-19.41	$10.31	$8.30	$9.32	$5.62	$16.27	$12.29	$-36.86	$-36.86

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.367
Altman Z-Prime	snapshot only																				-3.724
Piotroski F-Score	8	8	7	5	5	5	4	5	4	4	5	4	6	6	4	7	7	8	8	7	7
Beneish M-Score	-2.67	-2.67	-2.59	-2.45	-2.43	-2.14	-2.10	-2.05	-2.02	-2.15	-2.18	-2.20	-2.34	-2.39	-1.78	-2.04	-1.94	-2.00	-2.66	-2.59	-2.590
Ohlson O-Score	snapshot only																				-5.036
Net-Net WC	snapshot only																				$-188.96
EVA	snapshot only																				$303876986.90

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A-
Credit Score	87.40	88.11	85.55	77.14	82.37	62.16	60.73	59.03	60.48	59.80	61.88	52.98	59.70	56.41	42.00	60.57	47.10	48.61	71.70	67.44	67.440
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				6.866
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				65
Sector Credit Rank	snapshot only																				55

WSBC 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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