This report should not be construed as providing investment advice. It is for educational purposes only.  Before making any investment decision, you should always do your own research or consult a investment professional. Estimates Estimates Estimates
While I try to be accurate, I assume no responsibility for any figure in this spreadsheet. Q1 2025
See my website on stocks or see my blog at the following sites.  https://spbrunner.com/stocks.html https://spbrunner.blogspot.com/ 3/31/25 <-estimates
Atrium Mortgage Investment Corp  TSX AI OTC AMIVF https://www.atriummic.com/ Fiscal Yr: Dec 31
Year 12/30/12 12/31/13 12/31/14 12/31/15 12/30/16 12/31/17 12/31/18 12/31/19 12/31/20 12/31/21 12/31/22 12/31/23 12/31/24 12/31/25 12/31/26 12/31/27 Value Description #Y Item Total G
Accounting Rules IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS Accounting Rules
Split Date 23-Mar-12
Split  100
$99 <-12 mths 1.72%
Mortages $17.235 $23.760 $34.956 $40.206 $44.042 $50.359 $58.316 $66.095 $64.362 $63.536 $77.863 $97.970 $97.220 178.12% <-Total Growth 10 Revenue
Rental $0.076 $0.657 $0.699 $0.508 $0.634 $0.043 $0.571 <-Median-> 6 Revenue
Revenue* $17.235 $23.760 $34.956 $40.206 $44.042 $50.359 $58.316 $66.171 $65.019 $64.235 $78.371 $98.604 $97.263 $89.750 $90.340 178.24% <-Total Growth 10 Revenue
Increase 50.99% 37.86% 47.12% 15.02% 9.54% 14.34% 15.80% 13.47% -1.74% -1.21% 22.01% 25.82% -1.36% -7.72% 0.66% 10.78% <-IRR #YR-> 10 Revenue 178.24%
5 year Running Average $19.2 $25.5 $32.0 $39 $46 $52 $57 $61 $66 $74 $81 $86 $91 8.01% <-IRR #YR-> 5 Revenue 46.99%
Revenue per Share $0.82 $1.12 $1.43 $1.50 $1.62 $1.51 $1.60 $1.58 $1.53 $1.50 $1.81 $2.24 $2.06 $1.90 $1.92 15.46% <-IRR #YR-> 10 5 yr Running Average 321.10%
Increase 2.85% 37.06% 27.68% 4.71% 8.45% -6.79% 5.32% -0.90% -3.01% -2.12% 20.52% 24.02% -8.05% -7.72% 0.66% 9.26% <-IRR #YR-> 5 5 yr Running Average 55.73%
5 year Running Average $1.03 $1.13 $1.30 $1.44 $1.53 $1.56 $1.57 $1.54 $1.60 $1.73 $1.83 $1.90 $1.99 3.72% <-IRR #YR-> 10 Revenue per Share 44.11%
P/S (Price/Sales) Med 13.54 9.36 7.89 7.89 7.03 8.03 8.20 8.67 7.06 9.04 6.84 4.96 5.46 5.67 0.00 5.46% <-IRR #YR-> 5 Revenue per Share 30.47%
P/S (Price/Sales) Close 13.39 9.67 7.81 7.61 7.48 8.27 7.89 9.17 8.25 9.36 5.93 4.69 5.29 5.66 5.62 5.96% <-IRR #YR-> 10 5 yr Running Average 78.40%
*Revenue in M CDN $  P/S Med 20 yr  7.89 15 yr  7.89 10 yr  7.48 5 yr  6.84 -24.30% Diff M/C 3.20% <-IRR #YR-> 5 5 yr Running Average 17.07%
-$35.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $97.3
-$66.2 $0.0 $0.0 $0.0 $0.0 $97.3
-$19.2 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $80.7
-$51.8 $0.0 $0.0 $0.0 $0.0 $80.7
-$1.43 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $2.06
-$1.58 $0.00 $0.00 $0.00 $0.00 $2.06
$1.03 <-12 mths -0.96%
Difference Basic and Diluted 0.00% 0.00% 0.00% 1.06% 2.06% 1.05% 1.05% 1.03% 1.05% 0.00% 1.85% 3.39% 1.89%
EPS Basic $0.86 $0.85 $0.91 $0.94 $0.97 $0.95 $0.95 $0.97 $0.95 $0.98 $1.08 $1.18 $1.06 16.48% <-Total Growth 10 EPS Basic
EPS Diluted* $0.86 $0.85 $0.91 $0.93 $0.95 $0.94 $0.94 $0.96 $0.94 $0.98 $1.06 $1.14 $1.04 $1.02 $1.02 14.29% <-Total Growth 10 EPS Diluted
Increase -2.27% -1.16% 7.06% 2.20% 2.15% -1.05% 0.00% 2.13% -2.08% 4.26% 8.16% 7.55% -8.77% -1.92% 0.00% 10 0 10 Years of Data, EPS P or N 100.00%
Earnings Yield 7.85% 7.84% 8.15% 8.16% 7.82% 7.50% 7.47% 6.62% 7.43% 6.98% 9.88% 10.84% 9.53% 9.47% 9.47% 1.34% <-IRR #YR-> 10 Earnings per Share 14.29%
5 year Running Average $0.88 $0.89 $0.90 $0.92 $0.93 $0.94 $0.95 $0.95 $0.98 $1.02 $1.03 $1.05 $1.06 1.61% <-IRR #YR-> 5 Earnings per Share 8.33%
10 year Running Average $0.91 $0.92 $0.93 $0.95 $0.98 $0.99 $1.00 $1.00 1.58% <-IRR #YR-> 10 5 yr Running Average 17.01%
* Diluted ESP per share  E/P 10 Yrs 7.66% 5Yrs 9.53% 1.80% <-IRR #YR-> 5 5 yr Running Average 9.32%
-$0.91 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.04
-$0.96 $0.00 $0.00 $0.00 $0.00 $1.04
-$0.88 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.03
-$0.94 $0.00 $0.00 $0.00 $0.00 $1.03
Total Dividends paid cash $17.324 $19.931 $19.899 $22.702 $25.948 $29.268 $32.531 $38.862 $34.563 $36.059 $42.297 $45.915 130.37% <-Total Growth 10 Total Dividends paid Cash
Change 15.05% -0.16% 14.09% 14.30% 12.79% 11.15% 19.46% -11.06% 4.33% 17.30% 8.55% 11.97% <-Median-> 10 Change
Percenage of Net Income 96.25% 94.74% 85.27% 86.91% 89.29% 86.67% 84.35% 99.17% 82.70% 77.83% 82.15% 95.95% 85.97% <-Median-> 10 Percenage of Net Income
5 years Coverage 90.01% 88.32% 86.41% 89.57% 88.37% 85.79% 84.79% 87.23%
Dividend* $0.98 $0.99 Estimates Dividend*
Increase 8.89% 1.02% Estimates Increase
Payout Ratio EPS 96.08% 97.06% Estimates Payout Ratio EPS
Special Dividends I got $0.040 $0.060 $0.020 $0.070 $0.230 $0.290 $0.160
Yield on Close Price 0.00% 0.45% 0.61% 0.74% 0.80% 0.32% 0.28% 0.47% 0.14% 0.65% 2.19% 2.66% 1.49% 0.63% <-Median-> 10 Yield on Close Price
Yield on Total Dividends 6.76% 7.77% 7.97% 7.81% 7.81% 7.45% 6.48% 7.59% 6.55% 9.04% 10.74% 10.91% 10.12% 7.81% <-Median-> 10 Yield on Total Dividends
Total Dividends $0.73 $0.87 $0.91 $0.95 $0.98 $0.94 $0.94 $0.96 $0.92 $0.97 $1.13 $1.19 $1.09 37.05% <-Total Growth 10 Total Dividends
Change 18.42% 4.61% 4.41% 3.16% -4.09% 0.18% 2.13% -4.17% 5.43% 16.49% 5.31% -8.40% 9 2 11 Years of data, Count P, N 81.82%
Yield H/L Price Tot. Div 6.99% 7.69% 7.68% 8.30% 8.05% 7.17% 6.86% 8.86% 6.78% 7.84% 10.17% 10.57% 10.11% 7.95% <-Median-> 10 Yield H/L Price Tot. Div
Yield on High  Price Tot. Div 6.61% 7.18% 7.25% 7.53% 7.75% 6.73% 6.39% 6.49% 6.23% 6.71% 9.10% 9.94% 9.85% 6.99% <-Median-> 10 Yield on High  Price Tot. Div
Yield on Low Price Tot. Div 7.41% 8.29% 8.18% 9.24% 8.36% 7.68% 7.39% 13.97% 7.43% 9.44% 11.52% 11.28% 10.39% 8.80% <-Median-> 10 Yield on Low Price Tot. Div
Yield on Close Price Tot. Div 6.76% 7.77% 7.97% 7.81% 7.81% 7.45% 6.48% 7.59% 6.55% 9.04% 10.74% 10.91% 10.12% 0.00% 0.00% 7.81% <-Median-> 10 Yield on Close Price Tot. Div
Special Dividends $0.00 $0.05 $0.07 $0.09 $0.10 $0.040 $0.040 $0.060 $0.020 $0.070 $0.230 $0.290 $0.160 $0.000 $0.000 $0.07 <-Median-> 10 Special Dividends Taxed as 
Change 0.00% 40.00% 28.57% 11.11% -60.00% 0.00% 50.00% -66.67% 250.00% 228.57% 26.09% -44.83% -100.00% 0.00% 27.33% <-Median-> 10 Increase Int Inc
Dividend* $0.73 $0.82 $0.84 $0.86 $0.88 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.93 $0.93 $0.93 9.99% <-Total Growth 10 Dividends
Increase 11.60% 2.45% 2.39% 2.33% 2.28% 0.19% 0.00% 0.00% 0.00% 0.00% 0.00% 3.33% 0.00% 0.00% 6 0 11 Years of data, Count P, N 54.55%
Average Increases 5 Year Running 4.21% 1.93% 1.44% 0.96% 0.49% 0.04% 0.00% 0.67% 0.67% 0.67% 0.96% <-Median-> 7 Average Incr 5 Year Running
Dividends 5 Yr Running $0.89 $0.93 $0.94 $0.95 $0.95 $0.95 $0.98 $1.03 $1.06 $1.06 $1.05 11.38% <-Total Growth 7 Dividends 5 Yr Running
Yield H/L Price 6.99% 7.25% 7.09% 7.51% 7.22% 6.87% 6.56% 8.31% 6.63% 7.28% 8.10% 7.99% 8.63% 7.25% <-Median-> 10 Yield H/L Price Item
Yield on High  Price 6.61% 6.76% 6.69% 6.81% 6.96% 6.44% 6.12% 6.09% 6.10% 6.22% 7.25% 7.52% 8.40% 6.57% <-Median-> 10 Yield on High  Price EPS
Yield on Low Price 7.41% 7.82% 7.55% 8.37% 7.51% 7.36% 7.08% 13.10% 7.27% 8.76% 9.17% 8.53% 8.87% 7.96% <-Median-> 10 Yield on Low Price Tot Div
Yield on Close Price 6.76% 7.33% 7.35% 7.06% 7.01% 7.14% 6.21% 7.11% 6.41% 8.39% 8.56% 8.25% 8.64% 8.64% 8.64% 7.12% <-Median-> 10 Yield on Close Price CFPS
Payout Ratio EPS total 86.27% 95.42% 97.67% 99.83% 104.08% 99.82% 97.92% 102.13% 93.88% 91.51% 99.12% 114.42% 106.86% 99.47% <-Median-> 10 DPR EPS FCF 1
DPR EPS 5 Yr Running total 96.87% 99.39% 99.86% 100.74% 99.51% 96.89% 96.85% 100.19% 101.15% 99.45% <-Median-> 8 DPR EPS 5 Yr Running FCF 2
Payout Ratio EPS Regular 86.27% 89.92% 90.14% 90.35% 93.44% 95.57% 93.75% 95.74% 91.84% 84.91% 78.95% 86.54% 91.18% 91.10% <-Median-> 10 Payout Ratio EPS Regular
DPR EPS 5 Yr Running total 90.10% 91.90% 92.66% 93.76% 94.05% 92.18% 88.58% 87.21% 86.45% 92.04% <-Median-> 8 DPR EPS 5 Yr Running total
Dividends 5 Yr Running 82.53% 85.83% 87.47% 88.70% 89.53% 89.97% 90.00% 90.00% 90.60% 91.20% 91.80% 89.12% <-Median-> 8 Dividends 5 Yr Running
Payout Ratio CFPS 88.27% 110.19% 90.75% 85.51% 87.13% 82.70% 81.73% 72.18% 58.01% 72.39% 64.26% 82.38% 75.46% 82.06% <-Median-> 10 DPR CF
DPR CF 5 Yr Running 91.44% 90.03% 85.42% 81.50% 74.91% 72.29% 68.67% 69.31% 69.98% 78.20% <-Median-> 8 DPR CF 5 Yr Running
Payout Ratio CFPS WC 98.91% 122.66% 96.08% 87.48% 91.26% 83.50% 86.73% 70.87% 58.80% 77.90% 62.93% 50.00% 75.46% 80.70% <-Median-> 10 DPR CF WC
DPR CF WC 5 Yr Running 97.49% 94.09% 88.78% 83.33% 76.41% 74.20% 69.85% 61.99% 62.87% 79.87% <-Median-> 8 DPR CF WC 5 Yr Running
Median Values 10 Yr Med 10 Yr Cl 7.25% 7.12% 5 Yr Med 5 Yr Cl 7.99% 8.25% 5 Yr Med Payout 99.12% 72.18% 62.93% 0.00% <-IRR #YR-> 5 Dividends 0.00%
* Dividends per share  10 Yr Med and Cur. 19.09% 21.20% 5 Yr Med and Cur. 8.03% 4.68% Last Div Inc ---> $1.1900 $1.2100 1.68% 0.96% <-IRR #YR-> 10 Dividends 9.99%
1.88% <-IRR #YR-> 11 Dividends
Total Dividends 10 Yr Med 10 Yr Cl 7.95% 7.81% 5 Yr Med 5 Yr Cl 8.86% 9.04% 4.83% <-IRR #YR-> 5 Total Dividends
Total Dividends 10 Yr Med and Cur. 27.38% 29.64% 5 Yr Med and Cur. 14.17% 11.95% 3.20% <-IRR #YR-> 10 Total Dividends
4.50% <-IRR #YR-> 11 Total Dividends
Dividends Growth 5 -$0.90 $0.00 $0.00 $0.00 $0.00 $0.90 Dividends Growth 5
Dividends Growth 10 -$0.82 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.90 Dividends Growth 10
Dividends Growth 15 -$0.73 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.90 Dividends Growth 15
Total Dividends Growth 5 -$0.94 $0.00 $0.00 $0.00 $0.00 $1.19 Total Dividends Growth 5
Total Dividends Growth 10 -$0.87 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.19 Total Dividends Growth 10
Total Dividends Growth 15 -$0.73 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.19 Total Dividends Growth 15
Historical Dividends Historical High Div 11.92% Low Div 6.09% 10 Yr High 12.71% 10 Yr Low 6.09% Med Div 7.24% Close Div 7.12% Historical Dividends
High/Ave/Median Values Curr diff Exp. -27.56% Cheap 41.79% Exp. -32.06% 41.79% Cheap 19.27% Cheap 21.20% High/Ave/Median 
Historical Dividends Tot. Div Historical High Div 13.24% Low Div 6.28% 10 Yr High 9.86% 10 Yr Low 7.39% Med Div 7.77% Close Div 7.79%
High/Ave/Median Values Curr diff Exp. -23.56% Cheap 61.16% Exp. 2.64% 36.95% Exp. 30.25% Exp. 29.93%
Future Dividend Yield Div Yd 8.64% earning in 5 Years at IRR of 0.00% Div Inc. 0.00% Future Dividend Yield
Future Dividend Yield Div Yd 8.64% earning in 10 Years at IRR of 0.00% Div Inc. 0.00% Future Dividend Yield
Future Dividend Yield Div Yd 8.64% earning in 15 Years at IRR of 0.00% Div Inc. 0.00% Future Dividend Yield
Future Dividend Paid Div Paid $0.93 earning in 5 Years at IRR of 0.00% Div Inc. 0.00% Future Dividend Paid
Future Dividend Paid Div Paid $0.93 earning in 10 Years at IRR of 0.00% Div Inc. 0.00% Future Dividend Paid
Future Dividend Paid Div Paid $0.93 earning in 15 Years at IRR of 0.00% Div Inc. 0.00% Future Dividend Paid
Dividend Covering Cost Total Div $4.65 over 5 Years at IRR of 0.00% Div Cov. 43.18% Dividend Covering Cost
Dividend Covering Cost Total Div $8.37 over 10 Years at IRR of 0.00% Div Cov. 77.72% Dividend Covering Cost
Dividend Covering Cost Total Div $12.09 over 15 Years at IRR of 0.00% Div Cov. 112.26% Dividend Covering Cost
Yield if held 5 years 7.93% 8.56% 7.98% 7.61% 7.87% 7.40% 6.88% 6.56% 8.59% 6.85% 7.52% 7.74% <-Median-> 8 Paid Median Price
Yield if held 10 years 8.13% 8.58% 7.98% 7.87% 8.14% 7.65% 8.13% <-Median-> 3 Paid Median Price
Yield if held 15 years 8.40% #NUM! <-Median-> 0 Paid Median Price
Yield if held 20 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Yield if held 25 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 5 years 40.06% 44.23% 41.77% 40.31% 41.44% 38.88% 37.61% 37.71% 48.94% 39.13% 42.62% 40.19% <-Median-> 8 Paid Median Price
Cost covered if held 10 years 82.75% 91.11% 87.58% 85.15% 87.90% 82.22% 87.58% <-Median-> 3 Paid Median Price
Cost covered if held 15 years 130.34% #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 20 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Cost covered if held 25 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
I am earning GC Div Gr 19.48% 4/5/18 # yrs -> 7 2018 $12.45 Cap Gain -13.52% I am earning GC
I am earning Div org yield 7.23% 12/31/25 Pension Div G Yrly 2.32% Div start $0.90 -7.23% 8.64% I am earning Div
Yr  Item Tot. Growth
Revenue Growth  $66.2 $65.0 $64.2 $78.4 $98.6 $97.3 $99 <-12 mths 1.67% 46.99% <-Total Growth 5 Revenue Growth  46.99%
EPS Growth $0.96 $0.94 $0.98 $1.06 $1.14 $1.04 $1.03 <-12 mths -0.96% 8.33% <-Total Growth 5 EPS Growth 8.33%
Net Income Growth $38.6 $39.2 $41.8 $46.3 $51.5 $47.9 $47 <-12 mths -2.65% 24.07% <-Total Growth 5 Net Income Growth 24.07%
Cash Flow Growth $48.2 $56.4 $67.9 $58.1 $77.3 $68.1 41.49% <-Total Growth 5 Cash Flow Growth 41.49%
Dividend Growth $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.93 <-12 mths 3.33% 0.00% <-Total Growth 5 Dividend Growth 0.00%
Total Div Growth $0.94 $0.96 $0.92 $0.97 $1.13 $1.19 26.60% <-Total Growth 5 Total Div Growth 26.60%
Stock Price Growth $14.50 $12.65 $14.05 $10.73 $10.52 $10.91 $10.77 <-12 mths -1.28% -24.76% <-Total Growth 5 Stock Price Growth -24.76%
Revenue Growth  $23.8 $35.0 $40.2 $44.0 $50.4 $58.3 $66.2 $65.0 $64.2 $78.4 $98.6 $97.3 $90 <-this year -7.72% 178.24% <-Total Growth 10 Revenue Growth  178.24%
EPS Growth $0.85 $0.91 $0.93 $0.95 $0.94 $0.94 $0.96 $0.94 $0.98 $1.06 $1.14 $1.04 $1.02 <-this year -1.92% 14.29% <-Total Growth 10 EPS Growth 14.29%
Net Income Growth $18.0 $21.0 $23.3 $26.1 $29.1 $33.8 $38.6 $39.2 $41.8 $46.3 $51.5 $47.9 $49 <-this year 2.25% 127.47% <-Total Growth 10 Net Income Growth 127.47%
Cash Flow Growth $17.6 $19.2 $26.9 $30.1 $37.3 $41.5 $48.2 $56.4 $67.9 $58.1 $77.3 $68.1 253.93% <-Total Growth 10 Cash Flow Growth 253.93%
Dividend Growth $0.73 $0.82 $0.84 $0.86 $0.88 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.98 <-this year 8.89% 9.99% <-Total Growth 10 Dividend Growth 9.99%
Total Div Growth $0.73 $0.87 $0.91 $0.95 $0.98 $0.94 $0.94 $0.96 $0.92 $0.97 $1.13 $1.19 $1.09 <-this year -8.40% 37.05% <-Total Growth 10 Total Div Growth 37.05%
Stock Price Growth $10.84 $11.17 $11.40 $12.15 $12.53 $12.59 $14.50 $12.65 $14.05 $10.73 $10.52 $10.91 $10.77 <-this year -1.28% -2.33% <-Total Growth 10 Stock Price Growth -2.33%
Dividends on Shares $81.75 $85.35 $88.05 $84.45 $84.60 $86.40 $82.80 $87.30 $101.70 $107.10 $98.10 $83.70 $83.70 $889.50 Total Divs 10 Total Dividends 12/31/14
Paid  $1,005.30 $1,026.00 $1,093.50 $1,127.70 $1,133.10 $1,305.00 $1,138.50 $1,264.50 $965.70 $946.80 $981.90 $969.30 $969.30 $969.30 $981.90 Worth 10 Worth $11.17
Total $1,871.40 Total
Graham Number $13.89 $13.83 $14.42 $14.64 $14.82 $14.90 $14.97 $15.33 $15.19 $15.56 $16.18 $16.77 $16.02 $15.86 $15.86 $0.00 11.04% <-Total Growth 10 Graham Number
Increase -1.05% -0.42% 4.29% 1.52% 1.21% 0.54% 0.46% 2.42% -0.90% 2.43% 3.96% 3.68% -4.52% -0.97% 0.00% -100.00% 1.37% <-Median-> 10 Graham Price
Price/GP Ratio Med 0.80 0.76 0.78 0.81 0.77 0.82 0.87 0.89 0.71 0.87 0.76 0.66 0.70 0.68 0.79 <-Median-> 10 Price/GP Ratio Med
Price/GP Ratio High 0.87 0.80 0.84 0.86 0.85 0.85 0.93 0.96 0.97 0.95 0.89 0.74 0.75 0.70 0.87 <-Median-> 10 Price/GP Ratio High
Price/GP Ratio Low 0.73 0.72 0.73 0.76 0.69 0.79 0.82 0.83 0.45 0.80 0.63 0.58 0.66 0.66 0.73 <-Median-> 10 Price/GP Ratio Low
Price/GP Ratio Close 0.79 0.78 0.77 0.78 0.82 0.84 0.84 0.95 0.83 0.90 0.66 0.63 0.68 0.68 0.68 #DIV/0! 0.83 <-Median-> 10 Price/GP Ratio Close
Prem/Disc Close -21.16% -21.62% -22.56% -22.15% -18.02% -15.91% -15.89% -5.42% -16.74% -9.72% -33.68% -37.28% -31.88% -32.10% -32.10% #DIV/0! -17.38% <-Median-> 10 Graham Price
Pre 2012
Price Close $10.95 $10.84 $11.17 $11.40 $12.15 $12.53 $12.59 $14.50 $12.65 $14.05 $10.73 $10.52 $10.91 $10.77 $10.77 $10.77 -2.33% <-Total Growth 10 Stock Price
Increase 10.60% -1.00% 3.04% 2.06% 6.58% 3.13% 0.48% 15.17% -12.76% 11.07% -23.63% -1.96% 3.71% -1.28% 0.00% 0.00% 12.83 <-Median-> 10 CAPE (10 Yr P/E)
P/E Ratio 12.73 12.75 12.27 12.26 12.79 13.33 13.39 15.10 13.46 14.34 10.12 9.23 10.49 10.56 10.56 #DIV/0! -5.53% <-IRR #YR-> 5 Stock Price -24.76%
Trailing P/E Ratio 12.44 12.60 13.14 12.53 13.06 13.19 13.39 15.43 13.18 14.95 10.95 9.92 9.57 10.36 10.56 10.56 -0.24% <-IRR #YR-> 10 Stock Price -2.33%
CAPE (10 Yr P/E) 12.70 12.96 13.26 12.96 12.54 12.35 12.18 11.95 #DIV/0! 2.39% <-IRR #YR-> 5 Price & Dividend 17.38%
Median 10, 5 Yrs D.  per yr 8.80% 7.92% % Tot Ret 102.75% 331.54% T P/E 13.12 10.95 P/E:  13.06 10.49 8.57% <-IRR #YR-> 10 Price & Dividend 93.93%
Price 15 D.  per yr 5.77% % Tot Ret 81.10% CAPE Diff -17.68% 1.34% <-IRR #YR-> 15 Stock Price 10.16%
Price & Dividend 15 7.11% <-IRR #YR-> 15 Price & Dividend 126.13%
Price  5 -$14.50 $0.00 $0.00 $0.00 $0.00 $10.91 Price  5
Price 10 -$11.17 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $10.91 Price 10
Price & Dividend 5 -$14.50 $0.96 $0.92 $0.97 $1.13 $12.10 Price & Dividend 5
Price & Dividend 10 -$11.17 $0.91 $0.95 $0.98 $0.94 $0.94 $0.96 $0.92 $0.97 $1.13 $12.10 Price & Dividend 10
Price  15 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $12.10 Price 15
Price & Dividend 15 $0.00 $0.73 $0.87 $0.91 $0.95 $0.98 $0.94 $0.94 $0.96 $0.92 $0.97 $1.13 $12.10 Price & Dividend 15
Price H/L Median $11.08 $10.50 $11.29 $11.82 $11.43 $12.16 $13.08 $13.71 $10.83 $13.57 $12.37 $11.12 $11.26 $10.78 -0.22% <-Total Growth 10 Stock Price
Increase -5.24% 7.53% 4.74% -3.30% 6.39% 7.57% 4.82% -21.01% 25.30% -8.88% -10.11% 1.30% -4.26% -0.02% <-IRR #YR-> 10 Stock Price -0.22%
P/E Ratio 12.88 12.35 12.40 12.71 12.03 12.94 13.91 14.28 11.52 13.85 11.67 9.75 10.83 10.57 -3.86% <-IRR #YR-> 5 Stock Price -17.87%
Trailing P/E Ratio 12.59 12.20 13.28 12.99 12.29 12.80 13.91 14.59 11.28 14.44 12.62 10.49 9.88 10.37 8.62% <-IRR #YR-> 10 Price & Dividend $0.95
P/E on Running 5 yr Average 12.79 13.34 12.70 13.28 14.00 14.52 11.45 14.25 12.67 10.94 10.91 10.29 4.22% <-IRR #YR-> 5 Price & Dividend 26.70%
P/E on Running 10 yr Average 11.82 14.65 13.07 11.40 11.40 10.81 12.40 P/E Ratio Historical Median
Median 10, 5 Yrs D.  per yr 8.64% 8.08% % Tot Ret 100.26% 191.56% T P/E 12.71 11.28 P/E:  12.37 11.52 Count 12 Years of data
-$11.29 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.26
-$13.71 $0.00 $0.00 $0.00 $0.00 $11.26
-$11.29 $0.91 $0.95 $0.98 $0.94 $0.94 $0.96 $0.92 $0.97 $1.13 $12.45
-$13.71 $0.96 $0.92 $0.97 $1.13 $12.45
High Months Sep Mar Dec Jan Aug Dec Sep Dec Feb Sep Mar Mar Sep Jan
Price High $12.02 $11.09 $12.10 $12.53 $12.60 $12.62 $13.95 $14.70 $14.79 $14.76 $14.46 $12.42 $11.97 $11.07 -1.09% <-Total Growth 10 Stock Price
Increase -7.74% 9.11% 3.55% 0.56% 0.16% 10.54% 5.38% 0.61% -0.20% -2.03% -14.11% -3.62% -7.52% -0.11% <-IRR #YR-> 10 Stock Price -1.07%
P/E Ratio 13.98 13.05 13.30 13.47 13.26 13.43 14.84 15.31 15.73 15.06 13.64 10.89 11.51 10.85 -4.03% <-IRR #YR-> 5 Stock Price -18.57%
Trailing P/E Ratio 13.66 12.90 14.24 13.77 13.55 13.28 14.84 15.64 15.41 15.70 14.76 11.72 10.50 10.64 13.47 P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 14.26 14.76 P/E:  13.56 13.64 15.11 P/E Ratio Historical High
-$12.10 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.97
-$13.95 -$14.70 $0.00 $0.00 $0.00 $0.00 $11.97
Low Months Oct Sep Jan Nov Jan May Dec Jan Mar Jan Oct Oct Jun Mar
Price Low $10.13 $9.90 $10.47 $11.11 $10.26 $11.70 $12.21 $12.72 $6.87 $12.38 $10.27 $9.81 $10.55 $10.49 0.76% <-Total Growth 10 Stock Price
Increase -2.27% 5.76% 6.11% -7.65% 14.04% 4.36% 4.18% -45.99% 80.20% -17.04% -4.48% 7.54% -0.57% 0.08% <-IRR #YR-> 10 Stock Price 0.76%
P/E Ratio 11.78 11.65 11.51 11.95 10.80 12.45 12.99 13.25 7.31 12.63 9.69 8.61 10.14 10.28 -3.67% <-IRR #YR-> 5 Stock Price -17.06%
Trailing P/E Ratio 11.51 11.51 12.32 12.21 11.03 12.32 12.99 13.53 7.16 13.17 10.48 9.25 9.25 10.09 11.65 P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 11.62 9.25 P/E:  11.37 9.69 9.47 P/E Ratio Historical Low
-$10.47 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $10.55
Free Cash Flow WSJ $26.86 $20.57 $26.93 $26.10 $32.08 $43.70 $56.38 $39.73 $52.78 $92.99 246.20% <-Total Growth 9 Free Cash Flow WSJ
Change -23.42% 30.90% -3.08% 22.94% 36.23% 29.00% -29.52% 32.84% 76.18% 23.72% <-IRR #YR-> 5 Free Cash Flow MS 189.86%
FCF/CF from Op Ratio 1.00 0.68 0.72 0.63 0.67 0.77 0.83 0.68 0.68 1.36 14.80% <-IRR #YR-> 9 Free Cash Flow MS #DIV/0!
Dividends paid $19.90 $22.70 $25.95 $29.27 $32.53 $38.86 $34.56 $36.06 $42.30 $45.92 130.74% <-Total Growth 9 Dividends paid WSJ and MS
Percentage paid 74.08% 110.37% 96.37% 112.16% 101.41% 88.92% 61.31% 90.75% 80.14% 49.38% $0.90 <-Median-> 10 Percentage paid Disagree
5 Year Coverage 98.35% 99.96% 87.04% 86.51% 82.04% 69.23% 5 Year Coverage
Dividend Coverage Ratio 1.35 0.91 1.04 0.89 0.99 1.12 1.63 1.10 1.25 2.03 1.11 <-Median-> 10 Dividend Coverage Ratio
5 Year of Coverage 1.02 1.00 1.15 1.16 1.22 1.44 5 Year of Coverage
Free Cash Flow MS old $35.10 $30.18 $37.34 $41.48 $48.19 $56.41 $68 $58 $77
Change -14.02% 23.72% 11.09% 16.18% 17.06% 20.55% -14.71% 32.76%
Free Cash Flow MS $13.00 $17.61 $19.74 $26.42 $20.63 $26.11 $26.45 $30.01 $45.33 $56.04 $36.43 $54.78 $89.86 355.22% <-Total Growth 10 Free Cash Flow MS
Change 62.50% 35.46% 12.10% 33.84% -21.92% 26.56% 1.30% 13.46% 51.05% 23.63% -34.99% 50.37% 64.04% 24.53% <-IRR #YR-> 5 Free Cash Flow MS 199.43%
FCF/CF from Op Ratio 1.00 1.03 0.98 0.69 0.70 0.64 0.62 0.80 0.83 0.63 0.71 1.32 16.36% <-IRR #YR-> 10 Free Cash Flow MS 355.22%
Dividends paid $17.32 $19.93 $19.90 $22.70 $25.95 $29.27 $32.53 $38.86 $34.56 $36.06 $42.30 $45.92 130.37% <-Total Growth 10 Dividends paid WSJ and MS
Percentage paid 98.38% 100.97% 75.32% 110.04% 99.38% 110.65% 108.40% 85.73% 61.68% 98.98% 77.21% 51.10% $0.92 <-Median-> 10 Percentage paid Disagree
5 Year Coverage 100.56% 100.53% 87.62% 88.17% 82.80% 70.00% 5 Year Coverage
Dividend Coverage Ratio 1.02 0.99 1.33 0.91 1.01 0.90 0.92 1.17 1.62 1.01 1.30 1.96 1.09 <-Median-> 10 Dividend Coverage Ratio
5 Year of Coverage 0.99 0.99 1.14 1.13 1.21 1.43 5 Year of Coverage
Market Cap in $M $230.8 $229.8 $272.9 $305.9 $329.3 $416.6 $460.3 $607.0 $536.5 $601.4 $465.0 $462.5 $514.6 $508.0 $508.0 $508.0 88.58% <-Total Growth 10 Market Cap 88.58%
Diluted # of Shares in Million 15.50 22.45 28.36 32.42 34.58 39.19 45.85 50.71 51.68 50.06 52.87 54.03 54.44 54.44 91.98% <-Total Growth 10 Diluted
Change 45.01% 44.77% 26.33% 14.35% 6.66% 13.32% 16.98% 10.60% 1.91% -3.12% 5.61% 2.18% 0.76% 0.00% 6.74% <-IRR #YR-> 10 Diluted
Difference Diluted/Basic -0.04% -5.85% -18.36% -23.49% -22.00% -21.84% -22.41% -21.91% -18.10% -14.92% -18.56% -19.13% -17.45% -17.45% 1.43% <-IRR #YR-> 5 Diluted
Basic # of Shares in Millions 15.50 21.13 23.15 24.81 26.98 30.63 35.57 39.60 42.32 42.60 43.06 43.69 44.94 44.94 94.10% <-Total Growth 10 Basic
Change 44.94% 36.36% 9.55% 7.16% 8.74% 13.56% 16.12% 11.32% 6.89% 0.64% 1.08% 1.48% 2.84% 0.00% 7.02% <-Median-> 10 Change
Difference Basic/Outstanding 36.01% 0.32% 5.52% 8.17% 0.48% 8.55% 2.78% 5.73% 0.21% 0.49% 0.65% 0.62% 4.96% 4.96% 1.71% <-Median-> 10 Difference Basic/Outstanding
Pre-split 2012
# of Share in Millions 21.079 21.201 24.429 26.835 27.106 33.252 36.561 41.864 42.412 42.807 43.336 43.965 47.165 47.165 47.165 47.165 6.80% <-IRR #YR-> 10 Shares 93.07%
Change 46.81% 0.58% 15.23% 9.85% 1.01% 22.68% 9.95% 14.50% 1.31% 0.93% 1.24% 1.45% 7.28% 0.00% 0.00% 0.00% 2.41% <-IRR #YR-> 5 Shares 12.66%
Cash Flow from Operations $M $13.1 $17.6 $19.2 $26.9 $30.1 $37.3 $41.5 $48.2 $56.4 $67.9 $58.1 $77.3 $68.1 $68.1 <-12 mths 253.93% <-Total Growth 10 Cash Flow
Increase 47.01% 34.82% 9.30% 39.54% 11.93% 24.20% 11.09% 16.08% 17.14% 20.35% -14.46% 33.14% -11.88% 0.00% <-12 mths S. Issues, DRP Options, ESPP
5 year Running Average $13.3 $17.1 $21.4 $26.2 $31.0 $36.8 $42.7 $50.3 $54.4 $61.6 $65.6 $67.9 <-12 mths 393.45% <-Total Growth 10 CF 5 Yr Running
CFPS $0.62 $0.83 $0.79 $1.00 $1.11 $1.12 $1.13 $1.15 $1.33 $1.59 $1.34 $1.76 $1.44 $1.44 <-12 mths 83.32% <-Total Growth 10 Cash Flow per Share
Increase 0.14% 34.04% -5.15% 27.03% 10.81% 1.24% 1.04% 1.37% 15.63% 19.24% -15.50% 31.24% -17.86% 0.00% <-12 mths 13.47% <-IRR #YR-> 10 Cash Flow 253.93%
5 year Running Average $0.75 $0.77 $0.87 $0.97 $1.03 $1.10 $1.17 $1.26 $1.31 $1.43 $1.49 $1.51 <-12 mths 7.19% <-IRR #YR-> 5 Cash Flow 41.49%
P/CF on Med Price 17.87 12.63 14.32 11.81 10.31 10.83 11.53 11.92 8.14 8.56 9.23 6.32 7.80 7.46 <-12 mths 6.25% <-IRR #YR-> 10 Cash Flow per Share 83.32%
P/CF on Closing Price 17.67 13.05 14.18 11.39 10.95 11.16 11.10 12.61 9.51 8.86 8.01 5.98 7.55 7.46 <-12 mths 4.66% <-IRR #YR-> 5 Cash Flow per Share 25.59%
-23.66% Diff M/C 7.19% <-IRR #YR-> 10 CFPS 5 yr Running 100.22%
Excl.Working Capital CF -$1.0 -$1.9 -$2.0 -$1.5 -$0.7 -$1.7 -$0.4 -$2.8 $1.0 -$0.9 -$4.1 $1.6 $44.1 $0.0 <-12 mths 6.21% <-IRR #YR-> 5 CFPS 5 yr Running 35.18%
Cash Flow from Operations $M WC $12.0 $15.7 $17.3 $25.4 $29.4 $35.6 $41.1 $45.4 $57.5 $67.0 $54.0 $78.9 $112.2 $68.1 <-12 mths 549.08% <-Total Growth 10 Cash Flow less WC
Increase 24.81% 30.59% 10.03% 46.70% 15.83% 21.30% 15.27% 10.43% 26.63% 16.58% -19.44% 46.30% 42.19% -39.30% <-12 mths 20.57% <-IRR #YR-> 10 Cash Flow less WC 549.08%
5 year Running Average $12.4 $16.0 $20.0 $24.7 $29.8 $35.4 $41.8 $49.3 $53.0 $60.5 $73.9 $76.1 <-12 mths 19.86% <-IRR #YR-> 5 Cash Flow less WC 147.39%
CFPS Excl. WC $0.57 $0.74 $0.71 $0.95 $1.08 $1.07 $1.12 $1.08 $1.35 $1.56 $1.25 $1.80 $2.38 $1.44 <-12 mths 19.58% <-IRR #YR-> 10 CF less WC 5 Yr Run 497.74%
Increase -14.98% 29.84% -4.51% 33.55% 14.68% -1.12% 4.83% -3.56% 24.99% 15.51% -20.42% 44.20% 32.54% -39.30% <-12 mths 15.88% <-IRR #YR-> 5 CF less WC 5 Yr Run 108.97%
5 year Running Average $0.70 $0.73 $0.81 $0.91 $0.99 $1.06 $1.14 $1.24 $1.27 $1.41 $1.67 $1.69 <-12 mths 12.89% <-IRR #YR-> 10 CFPS - Less WC 236.19%
P/CF on Median Price 19.40 14.16 15.94 12.50 10.54 11.34 11.64 12.65 7.99 8.67 9.93 6.19 4.73 7.46 <-12 mths 17.04% <-IRR #YR-> 5 CFPS - Less WC 119.58%
P/CF on Closing Price 19.18 14.62 15.78 12.06 11.21 11.69 11.20 13.38 9.34 8.98 8.62 5.86 4.58 7.46 <-12 mths 9.05% <-IRR #YR-> 10 CFPS 5 yr Running 137.92%
*Operational Cash Flow. CF/-WC P/CF Med 10 yr 9.77 5 yr  8.14 P/CF Med 10 yr 10.24 5 yr  7.99 -27.16% Diff M/C 9.45% <-IRR #YR-> 5 CFPS 5 yr Running 57.09%
-$0.79 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.44 Cash Flow per Share
-$1.15 $0.00 $0.00 $0.00 $0.00 $1.44 Cash Flow per Share
-$0.75 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.49 CFPS 5 yr Running
-$1.10 $0.00 $0.00 $0.00 $0.00 $1.49 CFPS 5 yr Running
-$17.3 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $112.2 Cash Flow less WC
-$45.4 $0.0 $0.0 $0.0 $0.0 $112.2 Cash Flow less WC
-$12.4 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $73.9 CF less WC 5 Yr Run
-$35.4 $0.0 $0.0 $0.0 $0.0 $73.9 CF less WC 5 Yr Run
-$0.71 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $2.38 CFPS - Less WC
-$1.08 $0.00 $0.00 $0.00 $0.00 $2.38 CFPS - Less WC
OPM Ratio 75.79% 74.12% 55.07% 66.81% 68.26% 74.15% 71.13% 72.77% 86.75% 105.68% 74.10% 78.41% 70.05% 75.91% 27.20% <-Total Growth 10 OPM
Increase -2.64% -2.20% -25.71% 21.32% 2.18% 8.62% -4.07% 2.30% 19.22% 21.82% -29.89% 5.82% -10.67% 8.37% Should increase  or be stable.
Diff from Median 3.2% 0.9% -25.0% -9.0% -7.0% 1.0% -3.1% -0.9% 18.1% 43.9% 0.9% 6.8% -4.6% 3.4% 0.00 <-Median-> 10 OPM
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs 73.43% 5 Yrs 78.41% should be  zero, it is a   check on calculations
Long Term Debt $205.605 $66.847 $179.533 $166.746 $246.512 $270.430 $305.135 $277.359 $284.881 $295.540 $378.958 $374.599 $327.438 $327.438 82.38% <-Total Growth 10 Debt Type
Change 11.25% -67.49% 168.57% -7.12% 47.84% 9.70% 12.83% -9.10% 2.71% 3.74% 28.23% -1.15% -12.59% 0.00% 3.23% <-Median-> 10 Change Lg Term R
Debt/Market Cap Ratio 0.89 0.29 0.66 0.55 0.75 0.65 0.66 0.46 0.53 0.49 0.81 0.81 0.64 0.64 0.64 <-Median-> 10 Debt/Market Cap Ratio Intang/GW
Assets/Current Liabilities Ratio 105.90 96.15 86.71 74.43 101.65 109.59 111.11 145.81 214.70 217.59 124.24 174.70 172.00 172.00 135.03 <-Median-> 10 Assets/Current Liab Ratio Liquidity
Current Liabilities/Asset Ratio 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.00 0.00 0.01 0.01 0.01 0.01 0.01 <-Median-> 10 Current Liab/Asset Ratio Liq. + CF
Debt to Cash Flow (Years) 15.74 3.80 9.33 6.21 8.20 7.24 7.36 5.76 5.05 4.35 6.53 4.85 4.81 4.81 5.98 <-Median-> 10 Debt to Cash Flow (Years) Debt Ratio
Leverage
Intangibles $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 #DIV/0! <-Total Growth 10 Intangibles D/E Ratio
Goodwill $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 #DIV/0! <-Total Growth 10 Goodwill
Total $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 #DIV/0! <-Total Growth 10 Total
Change 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% <-Median-> 10 Change
Intangible/Market Cap Ratio 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 <-Median-> 10 Intangible/Market Cap Ratio
Current Assets $212.603 $281.981 $433.127 $448.153 $530.633 $626.795 $682.743 $477.953 $739.114 $759.353 $8.967 $9.333 $8.096 $8.10 -5249.89% <-Total Growth 10 Current Assets Allowance for Mortgage losses.
Current Liabilities $2.008 $2.933 $4.995 $6.021 $5.232 $5.729 $6.298 $5.100 $3.518 $3.564 $7.041 $5.025 $5.025 $5.03 0.60% <-Total Growth 10 Current Liabilities
Liquidity Ratio 105.90 96.15 86.71 74.43 101.42 109.41 108.41 93.72 210.09 213.06 1.27 1.86 1.61 1.61 97.57 <-Median-> 10 Ratio
Liq. with CF aft div 112.41 96.86 86.32 74.84 102.25 110.25 109.55 95.44 214.55 221.06 3.55 7.36 4.00 4.94 7.36 <-Median-> 5 Ratio
Liq. CF re  Inv+Div  4.92 3.46 2.83 19.60 6.52 6.57 9.55 12.55 37.60 21.53 0.26 3.83 4.00 4.94 4.00 <-Median-> 5 Ratio
Assets $212.603 $281.981 $433.137 $448.153 $531.856 $627.859 $699.750 $743.631 $755.315 $775.487 $874.780 $877.877 $864.304 $864.30 99.55% <-Total Growth 10 Assets
Liabilities $2.493 $69.962 $184.923 $173.169 $253.316 $278.795 $312.444 $288.111 $292.428 $305.320 $399.216 $395.671 $347.324 $347.32 87.82% <-Total Growth 10 Liabilities
Debt Ratio 85.28 4.03 2.34 2.59 2.10 2.25 2.24 2.58 2.58 2.54 2.19 2.22 2.49 2.49 2.37 <-Median-> 10 Ratio
Estimates BVPS $11.00 $11.40 Estimates Estimates BVPS
Estimate Book Value $518.8 $537.7 Estimates Estimate Book Value
P/B Ratio (Close) 0.98 0.94 Estimates P/B Ratio (Close)
Difference from 10 year median -14.12% Diff M/C Estimates Difference from 10 yr med.
Book Value $210.1 $212.0 $248.2 $275.0 $278.5 $349.1 $387.3 $455.5 $462.9 $470.2 $475.6 $482.2 $517.0 $517.0 $517.0 $517.0 108.28% <-Total Growth 10 Book Value
Book Value per share $9.97 $10.00 $10.16 $10.25 $10.28 $10.50 $10.59 $10.88 $10.91 $10.98 $10.97 $10.97 $10.96 $10.96 $10.96 $10.96 7.88% <-Total Growth 10 Book Value per Share
Increase 0.19% 0.33% 1.60% 0.85% 0.28% 2.15% 0.91% 2.72% 0.30% 0.64% -0.09% -0.06% -0.06% 0.00% 0.00% 0.00% -11.55% P/B Ratio Current/Historical Median
P/B Ratio (Median) 1.11 1.05 1.11 1.15 1.11 1.16 1.23 1.26 0.99 1.24 1.13 1.01 1.03 0.98 0.00 0.00 1.11 P/B Ratio Historical Median
P/B Ratio (Close) 1.10 1.08 1.10 1.11 1.18 1.19 1.19 1.33 1.16 1.28 0.98 0.96 1.00 0.98 0.98 0.98 0.76% <-IRR #YR-> 10 Book Value per Share 7.88%
Change 10.40% -1.33% 1.42% 1.20% 6.28% 0.95% -0.43% 12.13% -13.02% 10.37% -23.56% -1.90% 3.77% -1.28% 0.00% 0.00% 0.15% <-IRR #YR-> 5 Book Value per Share 0.74%
Leverage (A/BK) 1.01 1.33 1.75 1.63 1.91 1.80 1.81 1.63 1.63 1.65 1.84 1.82 1.67 1.67 1.67 <-Median-> 5 A/BV
Debt/Equity Ratio 0.01 0.33 0.75 0.63 0.91 0.80 0.81 0.63 0.63 0.65 0.84 0.82 0.67 0.67 0.67 <-Median-> 5 Debt/Eq Ratio
Shareholders' Equity (Assets less Liabilities) P/BV 10 yr Med 1.14 5 yr Med 1.03 -13.82% Diff M/C 1.64 Historical Leverage (A/BK)
-$10.16 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $10.96
-$10.88 $0.00 $0.00 $0.00 $0.00 $10.96
Comprehensive Income $13.36 $18.00 $21.04 $23.34 $26.12 $29.06 $33.77 $38.57 $39.19 $41.79 $46.33 $51.49 $47.85 127.47% <-Total Growth 10 Comprehensive Income
Increase 41.50% 34.75% 16.87% 10.93% 11.93% 11.25% 16.21% 14.21% 1.61% 6.65% 10.86% 11.12% -7.06% 6.65% <-Median-> 5 Comprehensive Income
5 Yr Running Average $13.73 $17.03 $20.37 $23.51 $26.66 $30.17 $33.34 $36.48 $39.93 $43.47 $45.33 8.57% <-IRR #YR-> 10 Comprehensive Income 127.47%
ROE 6.4% 8.5% 8.5% 8.5% 9.4% 8.3% 8.7% 8.5% 8.5% 8.9% 9.7% 10.7% 9.3% 4.41% <-IRR #YR-> 5 Comprehensive Income 24.07%
5Yr Median 6.4% 7.4% 8.5% 8.5% 8.5% 8.5% 8.5% 8.5% 8.5% 8.5% 8.7% 8.9% 9.3% 12.69% <-IRR #YR-> 10 5 Yr Running Average 230.25%
% Difference from Net Income 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% 8.48% <-IRR #YR-> 5 5 Yr Running Average 50.25%
Median Values Diff 5, 10 yr 0.0% 0.0% 9.3% <-Median-> 5 Return on Equity
-$21.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $47.9
-$38.6 $0.0 $0.0 $0.0 $0.0 $47.9
-$13.7 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $45.3
-$30.2 $0.0 $0.0 $0.0 $0.0 $45.3
Current Liability Coverage Ratio 5.99 5.36 3.46 4.21 5.62 6.22 6.52 8.90 16.33 18.79 7.66 15.71 22.34 13.56   CFO / Current Liabilities
5 year Median 4.26 4.81 4.26 4.21 5.36 5.36 5.62 6.22 6.52 8.90 8.90 15.71 16.33 15.71 8.28 <-Median-> 10 Current Liability Cov Ratio
Asset Efficiency Ratio 5.66% 5.57% 3.99% 5.66% 5.53% 5.68% 5.87% 6.10% 7.61% 8.64% 6.17% 8.99% 12.99% 7.88% CFO / Total Assets
5 year Median 6.1% 5.9% 5.7% 5.7% 5.6% 5.57% 5.66% 5.68% 5.87% 6.10% 6.17% 7.61% 8.64% 8.64% 6.1% <-Median-> 10 Return on Assets 
Return on Assets ROA 6.28% 6.38% 4.86% 5.21% 4.91% 4.63% 4.83% 5.19% 5.19% 5.39% 5.30% 5.86% 5.54% 5.66% Net  Income/Assets Return on Assets
5Yr Median 6.28% 5.94% 5.21% 4.91% 4.86% 4.91% 4.91% 5.19% 5.19% 5.30% 5.39% 5.54% 5.2% <-Median-> 10 Asset Efficiency Ratio
Return on Equity ROE 6.36% 8.49% 8.48% 8.49% 9.38% 8.32% 8.72% 8.47% 8.47% 8.89% 9.74% 10.68% 9.26% 9.46% Net Inc/ Shareholders' equity Return on Equity
5Yr Median 7.76% 8.48% 8.49% 8.49% 8.49% 8.49% 8.47% 8.47% 8.72% 8.89% 9.26% 9.46% 8.8% <-Median-> 10 Return on Equity
$47 <-12 mths -2.65%
Net Income $13.36 $18.00 $21.037 $23.337 $26.120 $29.059 $33.77 $38.57 $39.19 $41.79 $46.33 $51.49 $47.85 $48.9 $49.8 127.47% <-Total Growth 10 Net Income
Increase 41.50% 34.75% 16.87% 10.93% 11.93% 11.25% 16.21% 14.21% 1.61% 6.65% 10.86% 11.12% -7.06% 2.25% 1.86% EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $13.726 $17.035 $20.370 $23.511 $26.664 $30.171 $33.341 $36.475 $39.930 $43.473 $45.330 $47.278 $48.888 8.57% <-IRR #YR-> 10 Net Income 127.47%
Operating Cash Flow $13.063 $17.612 $19.249 $26.860 $30.064 $37.339 $41.481 $48.150 $56.405 $67.885 $58.070 $77.316 $68.128 4.41% <-IRR #YR-> 5 Net Income 24.07%
Investment Cash Flow -$43.882 -$79.265 -$147.336 -$16.970 -$76.850 -$90.367 -$65.918 -$33.673 -$16.554 -$33.021 -$87.811 -$4.635 $0.000 12.69% <-IRR #YR-> 10 5 Yr Running Average 230.25%
Total Accruals $44.177 $79.653 $149.124 $13.447 $72.906 $82.087 $58.206 $24.091 -$0.663 $6.929 $76.073 -$21.196 -$20.276 8.48% <-IRR #YR-> 5 5 Yr Running Average 50.25%
Total Assets $212.603 $281.981 $433.137 $448.153 $531.856 $627.859 $699.750 $743.631 $755.315 $775.487 $874.780 $877.877 $864.304 Balance Sheet Assets
Accruals Ratio 20.78% 28.25% 34.43% 3.00% 13.71% 13.07% 8.32% 3.24% -0.09% 0.89% 8.70% -2.41% -2.35% -0.09% <-Median-> 5 Ratio
EPS/CF Ratio (WC) 1.51 1.15 1.29 0.98 0.88 0.88 0.84 0.89 0.69 0.63 0.85 0.63 0.44 0.84 <-Median-> 10 EPS/CF Ratio
-$21.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $47.9
-$38.6 $0.0 $0.0 $0.0 $0.0 $47.9
-$13.7 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $45.3
-$30.2 $0.0 $0.0 $0.0 $0.0 $45.3
Change in Close 10.60% -1.00% 3.04% 2.06% 6.58% 3.13% 0.48% 15.17% -12.76% 11.07% -23.63% -1.96% 3.71% -1.28% 0.00% 0.00% Count 16 Years of data
up/down down down down down down down down down Count 9 56.25%
Meet Prediction? % right Count 0 0.00%
Financial Cash Flow $40.132 $50.699 $128.087 -$9.890 $46.786 $53.028 $24.437 -$14.342 -$39.851 -$34.864 $29.741 -$72.681 -$68.128 C F Statement  Financial Cash Flow
Total Accruals $4.0 $29.0 $21.0 $23.3 $26.1 $29.1 $33.8 $38.4 $39.2 $41.8 $46.3 $51.5 $47.9 Accruals
Accruals Ratio 1.90% 10.27% 4.86% 5.21% 4.91% 4.63% 4.83% 5.17% 5.19% 5.39% 5.30% 5.86% 5.54% 5.39% <-Median-> 5 Ratio
Cash $10.628 -$0.326 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 Cash
Cash per Share $0.50 -$0.02 $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 <-Median-> 5 Cash per Share
Percentage of Stock Price 4.60% -0.14% 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% <-Median-> 5 % of Stock Price
Notes:
March 21, 2025.  Last estimates were for 2024, 2025 of $97910M, $87220M Revenue, $1.13, $1.15 EPS, 
$1.15, $1.15 Dividends, $11.00, $11.40 BVPS, $49.4M, $48.9M Net Income.
February 25, 2024.  Last estimates were for 2023 and 2024 of $89.3M, $82.2M for Revenue, R1.06, $1.10 for EPS. 
$0.95 and $0.90 for Dividends, $11.10 and $11.40 for BVPS, and $46.8M and $48.3M for Net Income.
February 22, 2023. Last esitmates were for 2022 and 2023 of $67.4M, $69.4M for Revenue, $1.01, $1.03 for EPS, 
$0.90 and $0.90 for Dividends, $11.00 and $11.20 fpr BVPS, and $44M and $45.4M for Net Income.
February 26, 2021.  Last estimates were for 2021 and 2022 of $66.4M and $69.0M for Revenue, $0.98 and $1.02 for EPS, 
$0.92 and $0.94 for Dividends and $41.6M and $43.6M for Net Income.
February 21, 2021.  Last estimates were for 2020 and 2021 of $66.3M, and $67.0M for Revenue, 
$0.94 and $0.95 for EPS, $0.94 and $0.95 for Dividends and $40.4M and $41.7M for Net Income.
February 21, 2020.  Last estimates were for 2019 and 2020 of $65.1M and $66.3M for Revenue, $0.98 and $1.00 for EPS.
February 17, 2019.  Lasy estimates were for 2018 and 2019 of $55.8M and $56M for Revenue, $0.98 and $0.99 for EPS.
September 2012 company listed on TSX.
August 20, 2012 the company changed its name from DB Mortgage Investment Corp.
This company is a Mortgage Investment Corporation and so its dividends are taxed as interest income.  They also must pay out all their earnings.
Sector:
Financial Services, Finance
What should this stock accomplish?
Would I buy this company and Why.
Why am I following this stock. 
I saw this on company on the <a href="http://www.dividendgrowthinvestingandretirement.com/canadian-dividend-all-star-list/" target="_top">Canadian Dividend All-Star List</a>.  
It has just recently started to pay dividends.  It has only been around since 2012 and has good dividends.
It has just recently started to pay dividends and dividends are good but are taxed as income.
Why I bought this stock.
Dividends
Dividends are paid Monthly.  Dividends are declared in one month for shareholders of record of that month and paid in the next month.
For example, the dividends declared on December 21, 2017 was for shareholders of record of December 29, 2017 and and paid on January 12, 2018.
Misson Statement or closes thing I can find.
What I am looking for is a statement that the company wants to do well by their customers, employees, and community and and thereby earn shareholders a reasonable return.
For customers 
For employees 
For community 
For investors 
How they make their money.
Atrium Mortgage Investment Corp is a mortgage investment corporation in Canada. The company is a provider of financing solutions to commercial real estate 
and development communities in urban centers in Ontario and Western Canada. The company generates its revenue from mortgage interest and fees and rental income.  
Shares; '%, Value $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Change
Date Sep 14 2018 Feb 17 2019 Feb 21 2020 Feb 21 2021 Feb 26 2022 Feb 24 2023 Feb 25 2024 Mar 21 2025
Goodall, Robert G. 0.651 1.78% 0.693 1.66% 0.738 1.74% 0.787 1.84% 0.839 1.94% 0.839 1.91% 0.998 2.12% 1.159 2.46% 16.16%
CEO - Shares - Amount $8.192 $10.054 $9.341 $11.053 $9.003 $8.827 $10.890 $12.487
Options - percentage 0.015 0.04% 0.017 0.04% 0.021 0.05% 0.024 0.06% 0.028 0.06% 0.028 0.06% 0.024 0.05% 0.029 0.06% 18.94%
Options - amount $0.185 $0.251 $0.262 $0.343 $0.300 $0.295 $0.264 $0.310
Ahmad, John Abrar 0.000 0.00% 0.002 0.00% 0.006 0.01% Not found 2023 231.60%
CFO - Shares - Amount $0.004 $0.020 $0.065
Options - percentage 0.000 0.00% 0.008 0.02% 0.011 0.02% 35.85%
Options - amount $0.000 $0.087 $0.116
Munroe, Richard 0.011 0.03% 0.011 0.03% 0.018 0.04% 0.021 0.05% 19.84%
Officer - Shares - Amount $0.119 $0.116 $0.193 $0.229
Options - percentage 0.004 0.01% 0.004 0.01% 0.005 0.01% 0.005 0.01% 18.53%
Options - amount $0.043 $0.042 $0.049 $0.057
Agako, Genti 0.000 0.00% Only two officers on INK #DIV/0!
Officer - Shares - Amount $0.000
Options - percentage 0.000 0.00% #DIV/0!
Options - amount $0.000
DeGasperis, Robert Hans 0.122 0.28% 0.124 0.26% 0.125 0.27% 1.21%
Director - Shares - Amount $1.285 $1.349 $1.348
Options - percentage 0.013 0.03% 0.017 0.04% 0.022 0.05% 28.19%
Options - amount $0.134 $0.186 $0.236
Scoffield, Jennifer Lynn 0.004 0.01% 0.007 0.02% 0.011 0.03% 0.017 0.04% 0.018 0.04% 0.018 0.04% 0.038 0.08% 0.040 0.09% Last report Feb 2024 5.88%
Director - Shares - Amount $0.045 $0.102 $0.141 $0.238 $0.194 $0.190 $0.415 $0.434 Was CFO, now director
Options - percentage 0.002 0.00% 0.003 0.01% 0.005 0.01% 0.006 0.01% 0.008 0.02% 0.008 0.02% 0.029 0.06% 0.032 0.07% 12.45%
Options - amount $0.019 $0.044 $0.063 $0.082 $0.084 $0.082 $0.314 $0.349
Lockhart, Nancy 0.409 0.98% 0.403 0.95% 0.402 0.94% 0.398 0.92% 0.398 0.91% 0.387 0.82% 0.387 0.82% 0.00%
Director - Shares - Amount $5.936 $5.095 $5.647 $4.275 $4.192 $4.218 $4.164
Options - percentage 0.003 0.01% 0.005 0.01% 0.007 0.02% 0.012 0.03% 0.012 0.03% 0.023 0.05% 0.030 0.06% 29.64%
Options - amount $0.045 $0.059 $0.097 $0.123 $0.121 $0.255 $0.327
Cohos, Peter Phillip 0.133 0.36% 0.139 0.33% 0.183 0.43% 0.184 0.43% 0.186 0.43% 0.186 0.42% 0.169 0.36% 0.169 0.36% 0.00%
Director - Shares - Amount $1.674 $2.011 $2.315 $2.592 $1.996 $1.957 $1.844 $1.820
Options - percentage 0.007 0.02% 0.003 0.01% 0.003 0.01% 0.006 0.01% 0.009 0.02% 0.009 0.02% 0.017 0.04% 0.023 0.05% 37.00%
Options - amount $0.087 $0.045 $0.038 $0.090 $0.098 $0.096 $0.184 $0.249
Silver, Mark L. 0.315 0.86% 0.315 0.75% 0.179 0.42% 0.185 0.43% 0.186 0.43% 0.186 0.42% 0.189 0.40% 0.305 0.65% 61.03%
Chairman - Shares - Amt $3.970 $4.573 $2.265 $2.594 $1.997 $1.958 $2.063 $3.280
Options - percentage 0.005 0.01% 0.007 0.02% 0.000 0.00% 0.007 0.02% 0.010 0.02% 0.010 0.02% 0.020 0.04% 0.025 0.05% 28.96%
Options - amount $0.063 $0.098 $0.000 $0.099 $0.111 $0.109 $0.214 $0.272
Increase in O/S Shares 0.007 0.02% 0.038 0.10% 0.020 0.05% 0.024 0.06% 0.013 0.03% 0.042 0.10% 0.014 0.03% 0.017 0.04%
Due to Stock Options $0.087 $0.479 $0.285 $0.307 $0.177 $0.447 $0.149 $0.190
Book Value $0.097 $0.450 $0.248 $0.317 $0.160 $0.378 $0.454 $0.218
Insider Buying $0.000 -$0.043 -$0.029 -$0.091 $0.000 $0.000 $0.000 -$3.268
Insider Selling $0.338 $0.100 $1.954 $0.051 $0.051 $0.051 $0.337 $0.000
Net Insider Selling $0.338 $0.057 $1.926 -$0.039 $0.051 $0.051 $0.337 -$3.268
Net Selling % of Market Cap 0.07% 0.01% 0.36% -0.01% 0.01% 0.01% 0.07% -0.64%
Directors 7 7 7 7 7 8 8 9
Women 1 14% 1 14% 1 14% 1 14% 1 14% 2 25% 2 25% 2 22%
Minorities 0 0% 0 0% 0 0% 0 0% 0 0% 0 0% 0 0% 0 0%
Institutions/Holdings 2 5.56% 3 4.77% 12 6.18% 14 6.18% 14 4.32% 13 5.15% 15 2.05%
Total Shares Held 1.850 5.06% 1.869 4.46% 2.439 5.75% 1.812 4.18% 1.871 4.25% 2.264 4.80% 0.965 2.05%
Increase/Decrease 3 Mths -0.001 -0.04% 0.001 0.08% 0.052 2.17% -0.178 -8.93% -0.009 -0.49% -0.118 -4.96% -1.146 -54.30%
Starting No. of Shares 1.851 1.868 2.387 1.990 Top 20 MS 1.880 Top 20 MS 2.382 Top 20 MS 2.111 Top 20 MS
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