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. Q2 2026  ACD_2024_01_23.pdf
See my website on stocks or see my blog at the following sites.  https://spbrunner.com/stocks.html https://spbrunner.blogspot.com/ https://leede.ca/wp-content/uploads/ACD_2024_01_23.pdf
Accord Financial Corp TSX ACD OTC ACCFF https://www.accordfinancial.com/ Fiscal Yr: Dec 31
Year 12/31/13 12/31/14 12/31/15 12/31/16 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 12/31/28 Value Description #Y Item Total G
Accounting Rules IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS Accounting Rules
Split Date
Split  
Q1 2023 Q1 2024
Interest $1.9 $2.5 $2.3 $2.3 $3.8 $9.4 $17.09 $14.6 $15.9 $24.1 $35.3 $36.0 $33.2 $19.0 <-12 mths -42.65% 1370.20% <-Total Growth 10 Interest
Change 0.12% 31.88% -10.51% 1.04% 68.66% 144.52% 81.67% -14.59% 8.84% 51.62% 46.55% 2.00% -7.82% -42.65% <-12 mths -445.49% 27.70% <-Median-> 10 Change
Ratio re Revenue 0.07 0.08 0.07 0.08 0.12 0.25 0.30 0.30 0.25 0.36 0.44 0.43 0.54 0.43 <-12 mths -19.83% 0.30 <-Median-> 10 Ratio re Revenue
General And Administrative $13.8 $16.2 $17.5 $17.4 $16.9 $23.5 $26.15 $26.7 $31.5 $29.6 $34.5 $33.3 $30.1 $27.1 <-12 mths -9.98% 72.02% <-Total Growth 10 General And Administrative
Change 1.69% 16.68% 8.24% -0.33% -2.77% 38.83% 11.17% 1.94% 18.00% -5.90% 16.71% -3.62% -9.67% -9.98% <-12 mths -3.25% 0.81% <-Median-> 10 Change
Ratio re Revenue 0.53 0.53 0.55 0.61 0.54 0.62 0.47 0.55 0.50 0.44 0.43 0.40 0.49 0.61 <-12 mths 25.82% 0.49 <-Median-> 10 Ratio re Revenue
Total   15.76 18.68 19.74 19.71 20.79 32.93 43.24 41.25 47.34 53.69 69.84 69.30 63.27 46.11 <-12 mths -27.12% 220.47% <-Total Growth 10 Total  
Change 1.50% 18.52% 5.70% -0.17% 5.50% 58.39% 31.31% -4.59% 14.76% 13.40% 30.10% -0.78% -8.71% -27.12% <-12 mths -211.43% 9.45% <-Median-> 10 Change
Total of Ratios 0.60 0.62 0.63 0.69 0.66 0.87 0.77 0.85 0.75 0.80 0.88 0.83 1.02 1.04 <-12 mths 1.87% 0.81 <-Median-> 10 Total of Ratios
$44.28 <-12 mths -28.46% $18.4 $20.7 Revenue*
Revenue* $26.1 $30.2 $31.6 $28.5 $31.4 $37.8 $56.2 $48.5 $63.5 $67.5 $79.7 $83.1 $61.9 $44.3 <-12 mths 96.02% <-Total Growth 10 Revenue
Increase 0.71% 15.96% 4.44% -9.67% 10.12% 20.48% 48.44% -13.66% 30.89% 6.32% 18.10% 4.20% -25.47% -28.46% <-12 mths 6.96% <-IRR #YR-> 10 Revenue 96.02%
5 year Running Average $27.2 $28.4 $28 $28 $30 $32 $37 $40 $47 $55 $63 $68 $71 $67 <-12 mths 5.00% <-IRR #YR-> 5 Revenue 27.62%
Revenue per Share $3.17 $3.64 $3.80 $3.43 $3.78 $4.49 $6.54 $5.67 $7.42 $7.89 $9.31 $9.70 $7.23 $5.17 <-12 mths 9.60% <-IRR #YR-> 10 5 yr Running Average 150.12%
Increase 0.71% 14.76% 4.44% -9.67% 10.09% 18.78% 45.67% -13.36% 30.89% 6.32% 18.10% 4.20% -25.47% -28.46% <-12 mths 11.93% <-IRR #YR-> 5 5 yr Running Average 75.66%
5 year Running Average $3.12 $3.34 $3.40 $3.44 $3.56 $3.83 $4.41 $4.78 $5.58 $6.40 $7.36 $8.00 $8.31 $7.86 <-12 mths 6.64% <-IRR #YR-> 10 Revenue per Share 90.27%
P/S (Price/Sales) Med 2.54 2.56 2.77 2.69 2.37 2.08 1.43 1.17 1.06 1.07 0.63 0.46 0.38 0.25 <-12 mths 5.00% <-IRR #YR-> 5 Revenue per Share 27.62%
P/S (Price/Sales) Close 2.48 2.57 2.53 2.62 2.43 2.02 1.54 1.18 1.13 0.98 0.50 0.40 0.25 0.19 <-12 mths 9.34% <-IRR #YR-> 10 5 yr Running Average 144.14%
*Revenue in M CDN $  P/S Med 20 yr  2.19 15 yr  2.08 10 yr  1.12 5 yr  0.63 -83.50% Diff M/C 11.69% <-IRR #YR-> 5 5 yr Running Average 73.78%
6.96% <-IRR #YR-> 10 Revenue from 2000
-$31.6 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $61.9
-$48.5 $0.0 $0.0 $0.0 $0.0 $61.9
-$28.4 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $71.1
-$40.5 $0.0 $0.0 $0.0 $0.0 $71.1
-$3.80 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $7.23
-$5.67 $0.00 $0.00 $0.00 $0.00 $7.23
-$15.7 <-12 mths -0.21%
-$2.29 <-12 mths -24.46%
Adjusted Profit CDN$ $6.8 $8.1 $9.3 $7.7 $7.0 $10.8 $4.9 $2.0 $13.1 $2.1 $5.8 -$1,353.0 -$15.8
Basic $0.83 $0.98 $1.12 $0.92 $0.84 $1.30 $0.58 $0.24 $1.53 $0.24 $0.68 -$0.16 -$1.84 -264.29% <-Total Growth 10 AEPS
AEPS* Dilued $0.83 $0.98 $1.12 $0.92 $0.84 $1.30 $0.58 $0.24 $1.53 $0.24 $0.68 -$0.16 -$1.84 -$2.29 <-12 mths -264.29% <-Total Growth 10 AEPS
Increase 7.79% 18.07% 14.29% -17.86% -8.70% 54.76% -55.38% -58.62% 537.50% -84.31% 183.33% -123.53% -1050.00% -24.46% <-12 mths 8 2 10 Years of Data, EPS P or N 80.00%
5 year Running Average $0.73 $0.86 $0.91 $0.92 $0.94 $1.03 $0.95 $0.78 $0.90 $0.78 $0.65 $0.51 $0.09 -$0.67 <-12 mths #NUM! <-IRR #YR-> 10 AEPS -264.29%
AEPS Yield 10.56% 10.48% 11.67% 10.23% 9.13% 14.30% 5.76% 3.58% 18.21% 3.12% 14.75% -4.15% -102.22% -238.54% <-12 mths #NUM! <-IRR #YR-> 5 AEPS -866.67%
Payout Ratio 38.55% 33.67% 31.25% 39.13% 42.86% 27.69% 62.07% 100.00% 13.07% 125.00% 33.09% 0.00% 0.00% 0.00% <-12 mths -20.65% <-IRR #YR-> 10 5 yr Running Average -90.11%
5 year Running Average 44.94% 35.92% 35.81% 36.57% 37.09% 34.92% 40.60% 54.35% 49.14% 65.57% 66.65% 54.23% 34.23% 31.62% <-12 mths -35.01% <-IRR #YR-> 5 5 yr Running Average -88.40%
Price/AEPS Median 9.69 9.49 9.40 10.03 10.65 7.18 16.16 27.73 5.11 35.31 8.61 -27.97 -1.49 -0.57 <-12 mths 9.32 <-Median-> 10 Price/AEPS Median
Price/AEPS High 11.14 10.97 10.76 10.60 11.31 8.03 17.84 40.00 5.92 39.38 11.32 -32.81 -2.17 -0.93 <-12 mths 10.95 <-Median-> 10 Price/AEPS High
Price/AEPS Low 8.24 8.01 8.04 9.47 10.00 6.32 14.48 15.46 4.31 31.25 5.90 -23.13 -0.82 -0.22 <-12 mths 7.90 <-Median-> 10 Price/AEPS Low
Price/AEPS Close 9.47 9.54 8.57 9.77 10.95 6.99 17.36 27.92 5.49 32.08 6.78 -24.13 -0.98 -0.42 <-12 mths 8.38 <-Median-> 10 Price/AEPS Close
Trailing P/AEPS Close 10.21 11.27 9.80 8.03 10.00 10.82 7.75 11.55 35.00 5.03 19.21 5.68 -11.25 -0.52 <-12 mths 9.01 <-Median-> 10 Trailing P/AEPS Close
Median Values Historical   in order 9.59 11.06 8.34 9.51 P/AEPS 5 Yrs   in order 5.11 5.92 4.31 5.49 -108.20% Diff M/C DPR 75% to 95% best
* Adjusted Earnings per Share
-$3.94 <-12 mths -12.57%
EPS Basic $0.80 $0.83 $1.05 $0.79 $0.72 $1.24 $0.76 $0.05 $1.39 $0.17 -$1.71 -$0.37 -$3.50 -433.33% <-Total Growth 10 EPS Basic
EPS Diluted* $0.80 $0.83 $1.05 $0.79 $0.72 $1.24 $0.76 $0.05 $1.39 $0.17 -$1.71 -$0.37 -$3.50 -$3.94 <-12 mths -433.33% <-Total Growth 10 EPS Diluted
Increase 5.26% 3.75% 26.51% -24.76% -8.86% 72.22% -38.71% -93.42% 2680.00% -87.77% -1105.88% 78.36% -845.95% -12.57% 7 3 10 Years of Data, EPS P or N
Earnings Yield 10.18% 8.88% 10.94% 8.79% 7.83% 13.64% 7.55% 0.75% 16.55% 2.21% -37.09% -9.59% -194.44% -410.42% #NUM! <-IRR #YR-> 10 Earnings per Share -433.33%
5 year Running Average $0.72 $0.82 $0.86 $0.85 $0.84 $0.93 $0.91 $0.71 $0.83 $0.72 $0.13 -$0.09 -$0.80 -$1.87 -135.22% <-IRR #YR-> 5 Earnings per Share -7100.00%
10 year Running Average $0.69 $0.70 $0.74 $0.75 $0.75 $0.83 $0.87 $0.79 $0.84 $0.78 $0.53 $0.41 -$0.05 -$0.52 #NUM! <-IRR #YR-> 10 5 yr Running Average -193.71%
* Diluted ESP per share  E/P 10 Yrs 4.88% 5Yrs -9.59% #NUM! <-IRR #YR-> 5 5 yr Running Average -212.92%
-$1.05 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -$3.50
-$0.05 $0.00 $0.00 $0.00 $0.00 -$3.50
-$0.86 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -$0.80
-$0.71 $0.00 $0.00 $0.00 $0.00 -$0.80
Dividend* $0.00 Estimates Dividend*
Increase #DIV/0! Estimates Increase
Payout Ratio EPS 0.00% Estimates Payout Ratio EPS
Special Dividends $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 <-Median-> 10 Special Dividends
Dividend* $0.32 $0.33 $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $0.00 $0.00 $0.00 $0.00 -100.00% <-Total Growth 10 Dividends
Increase 3.23% 3.13% 6.06% 2.86% 0.00% 0.00% 0.00% -33.33% -16.67% 50.00% -25.00% -100.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! 23 4 38 Years of data, Count P, N
Average Increases 5 Year Running 5.95% 4.90% 4.58% 3.72% 3.05% 2.41% 1.78% -6.10% -10.00% 0.00% -5.00% -25.00% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 9 Average Incr 5 Year Running
Dividends 5 Yr Running $0.29 $0.31 $0.32 $0.33 $0.34 $0.35 $0.36 $0.34 $0.30 $0.29 $0.27 $0.19 $0.15 $0.11 $0.05 $0.00 -54.97% <-Total Growth 10 Dividends 5 Yr Running
Yield H/L Price 3.98% 3.55% 3.33% 3.90% 4.02% 3.86% 3.84% 3.61% 2.56% 3.54% 3.84% 0.00% 0.00% 0.00% 3.72% <-Median-> 10 Yield H/L Price Item
Yield on High  Price 3.46% 3.07% 2.90% 3.69% 3.79% 3.45% 3.48% 2.50% 2.21% 3.17% 2.92% 0.00% 0.00% 0.00% 3.05% <-Median-> 10 Yield on High  Price EPS
Yield on Low Price 4.68% 4.20% 3.89% 4.13% 4.29% 4.38% 4.29% 6.47% 3.03% 4.00% 5.61% 0.00% 0.00% 0.00% 4.21% <-Median-> 10 Yield on Low Price AEPS
Yield on Close Price 4.07% 3.53% 3.65% 4.00% 3.91% 3.96% 3.57% 3.58% 2.38% 3.90% 4.88% 0.00% 0.00% 0.00% 0.00% 0.00% 3.74% <-Median-> 10 Yield on Close Price CFPS
Payout Ratio EPS 40.00% 39.76% 33.33% 45.57% 50.00% 29.03% 47.37% 480.00% 14.39% 176.47% -13.16% 0.00% 0.00% 0.00% #VALUE! #DIV/0! 37.30% <-Median-> 10 DPR EPS FCF 
DPR EPS 5 Yr Running 40.61% 37.38% 37.53% 39.48% 41.05% 38.01% 39.25% 47.19% 36.54% 40.44% 200.76% -205.32% -18.03% -5.61% #DIV/0! #DIV/0! 39.37% <-Median-> 10 DPR EPS 5 Yr Running
Payout Ratio CFPS 31.33% -41.93% 11.19% 11.51% -3.97% -3.22% -6.50% 8.79% -1.69% 8.15% -3.77% 0.00% 0.00% 0.00% -0.84% <-Median-> 10 DPR CF
DPR CF 5 Yr Running 29.43% 39.54% 22.09% 20.30% -67.06% -11.91% -9.17% -8.43% -4.35% -6.58% -7.82% -22.24% -11.37% 3.07% -8.80% <-Median-> 10 DPR CF 5 Yr Running
Payout Ratio CFPS WC 26.44% 19.52% 22.96% 7.96% 33.69% 22.65% 32.91% 185.63% 10.71% 17.51% 17.91% 0.00% 0.00% 0.00% 17.71% <-Median-> 10 DPR CF WC
DPR CF WC 5 Yr Running 17.46% 15.72% 15.64% 12.31% 17.17% 16.93% 18.26% 19.99% 26.44% 22.84% 21.87% 14.93% 11.74% 15.94% 17.72% <-Median-> 10 DPR CF WC 5 Yr Running
Median Values 10 Yr Med 10 Yr Cl 3.72% 3.74% 5 Yr Med 5 Yr Cl 2.56% 2.38% 5 Yr Med Payout 0.00% 0.00% 10.71% #NUM! <-IRR #YR-> 5 Dividends -100.00%
* Dividends per share  10 Yr Med and Cur. -100.00% -100.00% 5 Yr Med and Cur. -100.00% -100.00% Last Div Inc ---> $0.0500 $0.0750 50.00% #NUM! <-IRR #YR-> 10 Dividends -100.00%
Dividends Growth 15 #NUM! <-IRR #YR-> 15 Dividends -100.00%
Dividends Growth 20 #NUM! <-IRR #YR-> 20 Dividends -100.00%
Dividends Growth 25 #NUM! <-IRR #YR-> 25 Dividends -100.00%
Dividends Growth 30 #NUM! <-IRR #YR-> 30 Dividends -100.00%
Dividends Growth 35 #NUM! <-IRR #YR-> 35 Dividends
Dividends Growth 40 #NUM! <-IRR #YR-> 38 Dividends
Dividends Growth 5 -$0.24 $0.00 $0.00 $0.00 $0.00 $0.00 Dividends Growth 5
Dividends Growth 10 -$0.35 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Dividends Growth 10
Dividends Growth 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 $0.00 Dividends Growth 15
Dividends Growth 20 $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 Dividends Growth 20
Dividends Growth 25 $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 Dividends Growth 25
Dividends Growth 30 $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 Dividends Growth30
Dividends Growth 35 $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 Dividends Growth 35
Dividends Growth 40 $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 Dividends Growth 40
Historical Dividends Historical High Div 5.19% Low Div 1.33% 10 Yr High 6.38% 10 Yr Low 0.00% Med Div 2.63% Close Div 2.75% Historical Dividends
High/Ave/Median Values Curr diff Exp. -100.00% Exp -100.00% Exp. -100.00% #DIV/0! Exp. -100.00% Exp. -100.00% High/Ave/Median 
Future Dividend Yield Div Yield #NUM! earning in 5 Years at IRR of #NUM! Div Inc. #NUM! Future Dividend Yield
Future Dividend Yield Div Yield #NUM! earning in 10 Years at IRR of #NUM! Div Inc. #NUM! Future Dividend Yield
Future Dividend Yield Div Yield #NUM! earning in 15 Years at IRR of #NUM! Div Inc. #NUM! Future Dividend Yield
Future Dividend Paid Div Paid #NUM! earning in 5 Years at IRR of #NUM! Div Inc. #NUM! Future Dividend Paid
Future Dividend Paid Div Paid #NUM! earning in 10 Years at IRR of #NUM! Div Inc. #NUM! Future Dividend Paid
Future Dividend Paid Div Paid #NUM! earning in 15 Years at IRR of #NUM! Div Inc. #NUM! Future Dividend Paid
Dividend Covering Cost Total Div #NUM! over 5 Years at IRR of #NUM! Div Cov. #NUM! Dividend Covering Cost
Dividend Covering Cost Total Div #NUM! over 10 Years at IRR of #NUM! Div Cov. #NUM! Dividend Covering Cost
Dividend Covering Cost Total Div #NUM! over 15 Years at IRR of #NUM! Div Cov. #NUM! Dividend Covering Cost
Yield if held 5 years 4.87% 5.52% 5.23% 4.88% 5.27% 4.47% 3.87% 2.28% 2.17% 3.35% 2.41% 0.00% 0.00% 0.00% 0.00% 0.00% 2.88% <-Median-> 10 Paid Median Price
Yield if held 10 years 5.12% 3.72% 4.52% 4.72% 4.19% 5.48% 6.03% 3.58% 2.71% 4.40% 2.80% 0.00% 0.00% 0.00% 0.00% 0.00% 3.89% <-Median-> 10 Paid Median Price
Yield if held 15 years 6.56% 6.60% 6.03% 6.42% 6.76% 5.76% 4.06% 3.10% 2.62% 3.49% 3.42% 0.00% 0.00% 0.00% 0.00% 0.00% 3.46% <-Median-> 10 Paid Median Price
Yield if held 20 years 12.31% 14.67% 14.00% 10.59% 9.60% 7.38% 7.20% 4.14% 3.57% 5.63% 3.60% 0.00% 0.00% 0.00% 0.00% 0.00% 4.89% <-Median-> 10 Paid Median Price
Yield if held 25 years 17.14% 13.85% 16.00% 9.60% 5.88% 8.00% 4.62% 0.00% 0.00% 0.00% 0.00% 0.00% 8.00% <-Median-> 9 Paid Median Price
Yield if held 30 years 14.29% 8.65% 0.00% 0.00% 0.00% 0.00% 0.00% 4.33% <-Median-> 4 Paid Median Price
Yield if held 35 years 0.00% 0.00% 0.00%
Cost covered if held 5 years 22.37% 25.77% 24.05% 22.64% 25.20% 21.88% 19.25% 15.96% 16.47% 16.31% 14.20% 10.29% 10.89% 6.71% 2.65% 0.00% 16.39% <-Median-> 10 Paid Median Price
Cost covered if held 10 years 63.84% 29.75% 36.26% 38.95% 36.23% 49.16% 55.73% 49.14% 43.25% 46.59% 38.35% 29.62% 22.85% 22.16% 18.83% 14.20% 41.10% <-Median-> 10 Paid Median Price
Cost covered if held 15 years 96.21% 98.00% 88.10% 95.09% 104.23% 92.00% 49.92% 57.94% 58.89% 53.23% 69.33% 71.88% 59.97% 50.37% 49.89% 38.35% 64.65% <-Median-> 10 Paid Median Price
Cost covered if held 20 years 194.81% 238.00% 225.40% 173.97% 165.07% 132.31% 133.80% 117.07% 122.21% 131.64% 113.20% 60.79% 67.29% 65.77% 55.85% 69.33% 126.93% <-Median-> 10 Paid Median Price
Cost covered if held 25 years 309.76% 262.50% 317.56% 292.60% 218.68% 204.00% 159.49% 153.10% 129.57% 131.58% 135.87% 113.20% 218.68% <-Median-> 9 Paid Median Price
Cost covered if held 30 years 379.29% 313.46% 360.44% 321.60% 234.12% 210.00% 159.49% 341.02% <-Median-> 4 Paid Median Price
Cost covered if held 35 years 391.90% 315.00% 362.22%
Yr  Item Tot. Growth
Revenue Growth  $56.2 $48.5 $63.5 $67.5 $79.7 $83.1 $61.9 $44 <-12 mths -28.46% 27.62% <-Total Growth 6 Revenue Growth  27.62%
AEPS Growth $0.58 $0.24 $1.53 $0.24 $0.68 -$0.16 -$1.84 -$2.29 <-12 mths -24.46% -866.67% <-Total Growth 6 AEPS Growth -866.67%
Net Income Growth $6.4 $0.4 $11.9 $1.4 -$14.6 -$2.4 -$32.7 -$37 <-12 mths -11.61% -7957.41% <-Total Growth 6 Net Income Growth -7957.41%
Cash Flow Growth -$47.6 $23.4 -$101.5 $31.5 -$51.1 $60.6 $5.9 $100 <-12 mths 1583.48% -74.70% <-Total Growth 6 Cash Flow Growth -74.70%
Cash Flow Gth w/o WC $9.4 $1.1 $16.0 $14.7 $10.8 $12.8 -$1.4 -$9 <-12 mths -537.67% -223.08% <-Total Growth 6 Cash Flow Gth w/o WC -223.08%
Dividend Growth $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $0.00 $0.00 <-12 mths #DIV/0! -100.00% <-Total Growth 6 Dividend Growth -100.00%
Stock Price Growth $10.07 $6.70 $8.40 $7.70 $4.61 $3.86 $1.80 $0.96 <-12 mths -46.67% -73.13% <-Total Growth 6 Stock Price Growth -73.13%
Revenue Growth  $31.6 $28.5 $31.4 $37.8 $56.2 $48.5 $63.5 $67.5 $79.7 $83.1 $61.9 $44 <-this year -28.46% 96.02% <-Total Growth 10 Revenue Growth  96.02%
AEPS Growth $1.12 $0.92 $0.84 $1.30 $0.58 $0.24 $1.53 $0.24 $0.68 -$0.16 -$1.84 -$2.29 <-this year -24.46% -264.29% <-Total Growth 10 AEPS Growth -264.29%
Net Income Growth $8.8 $6.6 $6.2 $10.4 $6.4 $0.4 $11.9 $1.4 -$14.6 -$2.4 -$32.7 -$37 <-this year -11.61% -473.76% <-Total Growth 10 Net Income Growth -473.76%
Cash Flow Growth $26.0 $26.0 -$75.3 -$94.3 -$47.6 $23.4 -$101.5 $31.5 -$51.1 $60.6 $5.9 $100 <-this year 1583.48% -77.25% <-Total Growth 10 Cash Flow Growth -77.25%
Cash Flow Gth w/o WC $12.7 $37.6 $8.9 $13.4 $9.4 $1.1 $16.0 $14.7 $10.8 $12.8 -$1.4 -$9 <-this year -537.67% -110.76% <-Total Growth 10 Cash Flow Gth w/o WC -110.76%
Dividend Growth $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $0.00 $0.00 <-this year #DIV/0! -100.00% <-Total Growth 10 Dividend Growth -100.00%
Stock Price Growth $9.60 $8.99 $9.20 $9.09 $10.07 $6.70 $8.40 $7.70 $4.61 $3.86 $1.80 $0.96 <-this year -46.67% -81.25% <-Total Growth 10 Stock Price Growth -81.25%
Dividends on Shares $37.80 $37.80 $37.80 $37.80 $25.20 $21.00 $31.50 $23.63 $0.00 $0.00 $0.00 $0.00 $0.00 $252.53 No of Years 10 Total Divs 12/31/15
Paid  $1,008.00 $943.95 $966.00 $954.45 $1,057.35 $703.50 $882.00 $808.50 $484.05 $405.30 $189.00 $100.80 $100.80 $100.80 $189.00 No of Years 10 Worth $9.60
Total $441.53
Graham Number AEPS $11.02 $12.76 $14.89 $13.73 $13.19 $16.29 $11.86 $7.53 $20.05 $7.98 $12.25 $7.14 $9.55 -35.87% <-Total Growth 10 Graham Number AEPS
Increase 10.21% 15.81% 16.68% -7.76% -3.98% 23.52% -27.21% -36.50% 166.32% -60.20% 53.44% -41.69% 33.70% -5.87% <-Median-> 10 Graham Price
Price/GP Ratio Med 0.73 0.73 0.71 0.67 0.68 0.57 0.79 0.88 0.39 1.06 0.48 0.63 0.29 0.65 <-Median-> 10 Price/GP Ratio Med
Price/GP Ratio High 0.84 0.84 0.81 0.71 0.72 0.64 0.87 1.28 0.45 1.18 0.63 0.74 0.42 0.72 <-Median-> 10 Price/GP Ratio High
Price/GP Ratio Low 0.62 0.62 0.60 0.63 0.64 0.50 0.71 0.49 0.33 0.94 0.33 0.52 0.16 0.51 <-Median-> 10 Price/GP Ratio Low
Price/GP Ratio Close 0.71 0.73 0.64 0.65 0.70 0.56 0.85 0.89 0.42 0.96 0.38 0.54 0.19 0.61 <-Median-> 10 Price/GP Ratio Close
Prem/Disc Close -28.65% -26.72% -35.52% -34.53% -30.23% -44.19% -15.06% -11.01% -58.11% -3.53% -62.36% -45.95% -81.15% -39.36% <-Median-> 10 Graham Price
Graham Number EPS $10.82 $11.74 $14.41 $12.73 $12.21 $15.91 $13.57 $3.44 $19.11 $6.72 $6.12 $6.01 $4.77 -66.88% <-Total Growth 10 Graham Number EPS
Increase 8.91% 8.56% 22.76% -11.72% -4.06% 30.30% -14.69% -74.68% 456.15% -64.85% -8.84% -1.85% -20.57% -10.28% <-Median-> 10 Graham Price
Price/GP Ratio Med 0.74 0.79 0.73 0.73 0.73 0.59 0.69 1.94 0.41 1.26 0.96 0.74 0.58 0.73 <-Median-> 10 Price/GP Ratio Med
Price/GP Ratio High 0.86 0.92 0.84 0.77 0.78 0.66 0.76 2.79 0.47 1.41 1.26 0.87 0.84 0.81 <-Median-> 10 Price/GP Ratio High
Price/GP Ratio Low 0.63 0.67 0.62 0.68 0.69 0.52 0.62 1.08 0.35 1.12 0.65 0.62 0.31 0.64 <-Median-> 10 Price/GP Ratio Low
Price/GP Ratio Close 0.73 0.80 0.67 0.71 0.75 0.57 0.74 1.95 0.44 1.15 0.75 0.64 0.38 0.72 <-Median-> 10 Price/GP Ratio Close
Prem/Disc Close -27.33% -20.37% -33.40% -29.35% -24.64% -42.86% -25.80% 94.96% -56.05% 14.63% -24.72% -35.78% -62.29% -27.58% <-Median-> 10 Graham Price
Month, Year Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Dec-25 Dec-26 Dec-27 Dec-28
Price Close $7.86 $9.35 $9.60 $8.99 $9.20 $9.09 $10.07 $6.70 $8.40 $7.70 $4.61 $3.86 $1.80 $0.96 $0.96 $0.96 -81.25% <-Total Growth 10 Stock Price
Increase 12.29% 18.96% 2.67% -6.35% 2.34% -1.20% 10.78% -33.47% 25.37% -8.33% -40.13% -16.27% -53.37% -46.67% 0.00% 0.00% 9.83 <-Median-> 10 CAPE (10 Yr P/E)
P/E Ratio 9.83 11.27 9.14 11.38 12.78 7.33 13.25 134.00 6.04 45.29 -2.70 -10.43 -0.51 -0.24 #VALUE! #DIV/0! -23.12% <-IRR #YR-> 5 Stock Price -73.13%
Trailing P/E Ratio 10.34 11.69 11.57 8.56 11.65 12.63 8.12 8.82 168.00 5.54 27.12 -2.26 -4.86 -0.27 -0.24 #VALUE! -15.41% <-IRR #YR-> 10 Stock Price -81.25%
CAPE (10 Yr P/E) 10.40 10.38 10.12 10.19 10.27 9.78 11.60 8.54 10.01 9.87 8.71 9.44 -39.13 -1.85 #DIV/0! #DIV/0! -20.13% <-IRR #YR-> 5 Price & Dividend -62.31%
Median 10, 5 Yrs D.  per yr 4.65% 2.99% % Tot Ret 0.00% 0.00% T P/E 8.69 5.54 P/E:  9.36 -0.51 -10.77% <-IRR #YR-> 10 Price & Dividend -56.20%
Price  15 D.  per yr 6.45% % Tot Ret -246.03% CAPE Diff -102.48% -9.08% <-IRR #YR-> 15 Stock Price -76.00%
Price  20 D.  per yr 6.56% % Tot Ret -16308.68% -6.60% <-IRR #YR-> 20 Stock Price -74.47%
Price  25 D.  per yr 8.51% % Tot Ret 209.03% -4.44% <-IRR #YR-> 25 Stock Price -67.86%
Price  30 D.  per yr 9.93% % Tot Ret 118.08% -1.52% <-IRR #YR-> 30 Stock Price
Price  35 D.  per yr 10.47% % Tot Ret 100.00% 0.00% <-IRR #YR-> 33 Stock Price
Price & Dividend 15 -2.62% <-IRR #YR-> 15 Price & Dividend -22.47%
Price & Dividend 20 -0.04% <-IRR #YR-> 20 Price & Dividend -0.50%
Price & Dividend 25 4.07% <-IRR #YR-> 25 Price & Dividend 66.34%
Price & Dividend 30 8.41% <-IRR #YR-> 30 Price & Dividend
Price & Dividend 35 10.47% <-IRR #YR-> 33 Price & Dividend
Price  5 -$6.70 $0.00 $0.00 $0.00 $0.00 $1.80 Price  5
Price 10 -$9.60 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.80 Price 10
Price & Dividend 5 -$6.70 $0.20 $0.30 $0.23 $0.00 $1.80 Price & Dividend 5
Price & Dividend 10 -$9.60 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $1.80 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 $1.80 Price  15
Price  20 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.80 Price  20
Price  25 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.80 Price  25
Price  30 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.80 Price  30
Price  35 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.80 Price  35
Price & Dividend 15 $0.32 $0.33 $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $1.80 Price & Dividend 15
Price & Dividend 20 $0.32 $0.33 $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $1.80 Price & Dividend 20
Price & Dividend 25 $0.32 $0.33 $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $1.80 Price & Dividend 25
Price & Dividend 30 $0.32 $0.33 $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $1.80 Price & Dividend 30
Price & Dividend 35 $0.32 $0.33 $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $1.80 Price & Dividend 35
5 year Total Return to Date 10.71% 16.94% 8.95% 9.89% 10.03% 7.18% 5.21% -2.92% 2.14% -0.09% -8.90% -14.81% -20.13% per year count 29 5 year Total Return
Start year 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
10 year Total Return to Date 7.06% 3.54% 6.54% 5.02% 5.01% 9.11% 11.53% 3.47% 6.36% 5.38% -0.26% -4.26% -10.77% per year count 24 10 year Total Return
Start year 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Cut and Paste
Total Return 2024 -$6.70 $0.20 $0.30 $0.23 $0.00 $1.80 -20.13% <-IRR #YR-> 5 Total Return
Total Return 2024 -$10.07 $0.24 $0.20 $0.30 $0.23 $3.86 -14.81% <-IRR #YR-> 5 Total Return 2024
Total Return 2023 -$9.09 $0.36 $0.24 $0.20 $0.30 $4.84 -8.90% <-IRR #YR-> 5 Total Return 2023
Total Return 2022 -$9.20 $0.36 $0.36 $0.24 $0.20 $8.00 -0.09% <-IRR #YR-> 5 Total Return 2022
Total Return 2021 -$8.99 $0.36 $0.36 $0.36 $0.24 $8.60 2.14% <-IRR #YR-> 5 Total Return 2021
Total Return 2020 -$9.60 $0.36 $0.36 $0.36 $0.36 $6.94 -2.92% <-IRR #YR-> 5 Total Return 2020
Total Return 2019 -$9.35 $0.35 $0.36 $0.36 $0.36 $10.43 5.21% <-IRR #YR-> 5 Total Return 2019
Total Return 2018 -$7.86 $0.33 $0.35 $0.36 $0.36 $9.45 7.18% <-IRR #YR-> 5 Total Return 2018
Total Return 2017 $0.32 $0.33 $0.35 $0.36 $9.56 10.03% <-IRR #YR-> 5 Total Return 2017
Total Return 2016 $0.32 $0.33 $0.35 $9.35 9.89% <-IRR #YR-> 5 Total Return 2016
Total Return 2000 17.21% <-IRR #YR-> 5 Total Return 2000
Total Return 1999 21.80% <-IRR #YR-> 5 Total Return 1999
Total Return 1998 11.32% <-IRR #YR-> 5 Total Return 1998
Total Return 1997 20.58% <-IRR #YR-> 5 Total Return 1997
-$9.60 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $1.80 -10.77% <-IRR #YR-> 10 Total Return
Total Return 2024 -$9.35 $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $3.86 -4.26% <-IRR #YR-> 10 Total Return
Total Return 2023 -$7.86 $0.33 $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $4.84 -0.26% <-IRR #YR-> 10 Total Return
Total Return 2022 $0.32 $0.33 $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $8.00 5.38% <-IRR #YR-> 10 Total Return
Total Return 2021 $0.32 $0.33 $0.35 $0.36 $0.36 $0.36 $0.36 $0.24 $8.60 6.36% <-IRR #YR-> 10 Total Return
Total Return 2020 $0.32 $0.33 $0.35 $0.36 $0.36 $0.36 $0.36 $6.94 3.47% <-IRR #YR-> 10 Total Return
Total Return 2019 $0.32 $0.33 $0.35 $0.36 $0.36 $0.36 $10.43 11.53% <-IRR #YR-> 10 Total Return
Total Return 2018 $0.32 $0.33 $0.35 $0.36 $0.36 $9.45 9.11% <-IRR #YR-> 10 Total Return
Total Return 2017 $0.32 $0.33 $0.35 $0.36 $9.56 5.01% <-IRR #YR-> 10 Total Return
Total Return 2016 $0.32 $0.33 $0.35 $9.35 5.02% <-IRR #YR-> 10 Total Return
Price H/L Median $8.05 $9.30 $10.53 $9.23 $8.95 $9.33 $9.38 $6.66 $7.83 $8.48 $5.86 $4.48 $2.75 $1.32 -73.87% <-Total Growth 10 Stock Price
Increase 17.88% 15.60% 13.17% -12.30% -3.03% 4.25% 0.48% -29.01% 17.58% 8.31% -30.91% -23.57% -38.55% -52.18% -12.56% <-IRR #YR-> 10 Stock Price -73.87%
P/E Ratio 10.06 11.20 10.02 11.68 12.43 7.52 12.34 133.10 5.63 49.85 -3.42 -12.09 -0.79 -0.33 -16.20% <-IRR #YR-> 5 Stock Price -58.68%
Trailing P/E Ratio 10.59 11.63 12.68 8.79 11.33 12.96 7.56 8.76 156.50 6.10 34.44 -2.62 -7.43 -0.38 -8.83% <-IRR #YR-> 10 Price & Dividend
P/E on Running 5 yr Average 11.11 11.29 12.27 10.91 10.68 10.08 10.28 9.35 9.41 11.74 44.36 -47.61 -3.42 -0.70 -13.49% <-IRR #YR-> 5 Price & Dividend
P/E on Running 10 yr Average 11.64 13.32 14.20 12.34 11.87 11.31 10.80 8.48 9.33 10.87 11.07 10.94 -59.78 -2.53 10.15 P/E Ratio Historical Median
Median 10, 5 Yrs D.  per yr 3.73% 2.71% % Tot Ret 0.00% 0.00% T P/E 8.77 6.10 P/E:  9.60 -0.79 Count 34 Years of data
-$10.53 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $2.75
-$6.66 $0.00 $0.00 $0.00 $0.00 $2.75
-$10.53 $0.36 $0.36 $0.36 $0.36 $0.24 $0.20 $0.30 $0.23 $0.00 $2.75
-$6.66 $0.20 $0.30 $0.23 $0.00 $2.75
High Months Jan May Jan Dec Nov Apr Jan Jun Jun Jan Feb Jan Mar
Price High $9.25 $10.75 $12.05 $9.75 $9.50 $10.44 $10.35 $9.60 $9.05 $9.45 $7.70 $5.25 $4.00 $2.13 -66.80% <-Total Growth 10 Stock Price
Increase 29.37% 16.22% 12.09% -19.09% -2.56% 9.89% -0.86% -7.25% -5.73% 4.42% -18.52% -31.82% -23.81% -46.75% -10.44% <-IRR #YR-> 10 Stock Price -66.80%
P/E Ratio 11.56 12.95 11.48 12.34 13.19 8.42 13.62 192.00 6.51 55.59 -4.50 -14.19 -1.14 -0.54 -16.06% <-IRR #YR-> 5 Stock Price -58.33%
Trailing P/E Ratio 12.17 13.44 14.52 9.29 12.03 14.50 8.35 12.63 181.00 6.80 45.29 -3.07 -10.81 -0.61 11.52 P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 10.66 6.80 P/E:  10.38 -1.14 15.83 P/E Ratio Historical High
-$12.05 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $4.00
-$9.60 $0.00 $0.00 $0.00 $0.00 $4.00
Low Months Jan Oct Oct Aug Feb Sep Apr Mar Nov Dec Dec Dec Jun
Price Low $6.84 $7.85 $9.00 $8.71 $8.40 $8.22 $8.40 $3.71 $6.60 $7.50 $4.01 $3.70 $1.50 $0.50 -83.33% <-Total Growth 10 Stock Price
Increase 5.23% 14.77% 14.65% -3.22% -3.56% -2.14% 2.19% -55.83% 77.90% 13.64% -46.53% -7.73% -59.46% -66.67% -16.40% <-IRR #YR-> 10 Stock Price -83.33%
P/E Ratio 8.55 9.46 8.57 11.03 11.67 6.63 11.05 74.20 4.75 44.12 -2.35 -10.00 -0.43 -0.13 -16.57% <-IRR #YR-> 5 Stock Price -59.57%
Trailing P/E Ratio 9.00 9.81 10.84 8.30 10.63 11.42 6.77 4.88 132.00 5.40 23.59 -2.16 -4.05 -0.14 8.55 P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 7.53 5.40 P/E:  8.83 -0.43 6.19 P/E Ratio Historical Low
-$9.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.50
$81 <-12 mths 1275.58%
Free Cash Flow WSJ -$7 $25.90 $3.66 $75.67 $94.84 $47.74 $23.33 -$101.73 $31.33 -$51.35 $60.17 $5.89 $80.95 -77.27% <-Total Growth 10 Free Cash Flow
Change 469.94% -85.88% 1969.20% 25.34% -49.67% -51.13% -536.10% 130.80% -263.90% 217.17% -90.22% 1275.58% -24.08% <-IRR #YR-> 5 Free Cash Flow MS
FCF/CF from Op Ratio 1.00 0.14 -1.01 -1.01 -1.00 1.00 1.00 0.99 1.00 0.99 1.00 0.81 <-12 mths -13.77% <-IRR #YR-> 10 Free Cash Flow MS -77.27%
Dividends paid $2.63 $2.74 $2.91 $2.99 $2.99 $3.00 $3.05 $2.06 $2.06 $2.06 $1.93 $1.93 $1.93 $1.93 <-12 mths -33.76% <-Total Growth 10 Dividends paid All past vals
Percentage paid -39.16% 11.23% 81.78% 3.95% 3.17% 6.39% 8.81% -2.02% 6.56% -3.75% 3.20% 32.73% 2.38% <-12 mths $0.05 <-Median-> 10 Percentage paid changed.
5 Year Coverage 6.03% 5.75% 9.41% 12.79% -21.99% -26.19% -17.76% 7.69% <-12 mths 5 Year Coverage
Dividend Coverage Ratio 8.91 1.22 25.30 31.60 15.64 11.35 -49.49 15.24 -26.66 31.24 3.06 42.03 <-12 mths 13.30 <-Median-> 10 Dividend Coverage Ratio
5 Year of Coverage 16.58 17.40 10.63 7.82 -4.55 -3.82 -5.63 13.01 <-12 mths 5 Year of Coverage
$4.41 <-12 mths -48.48%
Free Cash Flow MS old $25.90 $3.66 $75.67 $94.84 $47.74 $23.33 -$101.73 $31.33 Free Cash Flow MS old
Change -85.88% 1969.20% 25.34% -49.67% -51.13% -536.05% 130.80% Only to Sep 2025 in 2026 Change
Free Cash Flow MS $8 -$7 $11.14 $6.84 $6.54 $12.75 $9.16 $10.64 $15.35 $11.79 $7.21 $12.87 $8.56 $4.41 <-12 mths -23.16% <-Total Growth 10 Free Cash Flow MS MS, WSJ
Change 157.14% -187.50% 259.14% -38.60% -4.39% 94.95% -28.16% 16.16% 44.27% -23.19% -38.85% 78.50% -33.49% -48.48% <-12 mths -4.26% <-IRR #YR-> 5 Free Cash Flow MS -19.55%
FCF/CF from Op Ratio 0.95 1.07 0.43 0.26 -0.09 -0.14 -0.19 0.46 -0.15 0.37 -0.14 0.21 1.45 0.04 <-12 mths -2.60% <-IRR #YR-> 10 Free Cash Flow MS -23.16%
Dividends paid $2.63 $2.74 $2.91 $2.99 $2.99 $3.00 $3.05 $2.06 $2.06 $2.06 $1.93 $1.93 $1.93 $0.00 <-12 mths -33.76% <-Total Growth 10 Dividends paid All past vals
Percentage paid 32.89% -39.16% 26.10% 43.73% 45.73% 23.54% 33.32% 19.32% 13.39% 17.43% 26.71% 14.97% 22.50% 0.00% <-12 mths $0.23 <-Median-> 10 Percentage paid changed.
5 Year Coverage 32.18% 30.68% 24.16% 20.47% 20.58% 17.31% 17.73% 17.47% <-12 mths 5 Year Coverage
Dividend Coverage Ratio 3.83 2.29 2.19 4.25 3.00 5.18 7.47 5.74 3.74 6.68 4.44 0.00 <-12 mths 4.35 <-Median-> 10 Dividend Coverage Ratio
5 Year of Coverage 3.11 3.26 4.14 4.88 4.86 5.78 5.64 5.72 <-12 mths 5 Year of Coverage
Market Cap $64.6 $77.7 $79.8 $74.7 $76.4 $76.6 $86.5 $57.3 $71.9 $65.9 $39.5 $33.0 $15.4 $8.2 -80.68% <-Total Growth 10 Market Cap
Change 12.29% 20.20% 2.67% -6.35% 2.36% 0.22% 12.89% -33.70% 25.37% -8.33% -40.13% -16.27% -53.37% -46.67% -7.34% <-Median-> 10 Change
10 year Market Cap Growth -0.51% -1.06% 1.31% 0.20% 0.11% 3.40% 5.76% -1.69% 1.84% 1.36% -4.81% -8.19% -8.19% count 22 10 year Market Cap Growth
Assume 3.27% Dividend 2.76% 2.21% 4.58% 3.47% 3.38% 6.67% 9.03% 1.58% 5.11% 4.63% -1.54% -4.92% -4.92% Per year count 22 Assumed Dividend 3.27%
Diluted # of Shares in Million 8.22 8.30 8.31 8.31 8.310 8.331 8.467 8.563 8.559 8.560 8.559 8.559 8.559 8.559 3.01% <-Total Growth 10 Diluted
Change -2.17% 0.96% 0.09% -0.01% 0.02% 0.26% 1.64% 1.13% -0.05% 0.01% -0.01% 0.00% 0.00% 0.00% 0.01% <-Median-> 10 Change
Difference Diluted/Basic 0.00% 0.00% -0.01% 0.00% 0.00% -0.03% -0.04% 0.00% 0.00% -0.01% 0.00% 0.00% 0.00% 0.00% 0.00% <-Median-> 10 Difference Diluted/Basic
Basic # of Shares in Millions 8.22 8.30 8.31 8.31 8.310 8.329 8.464 8.563 8.559 8.559 8.559 8.559 8.559 8.559 3.02% <-Total Growth 10 Average
Change -2.17% 0.96% 0.08% 0.00% 0.02% 0.23% 1.62% 1.17% -0.05% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% <-Median-> 10 Change
Difference Basic/Outstanding 0.00% 0.08% 0.00% 0.00% 0.00% 1.20% 1.48% -0.05% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% <-Median-> 10 Difference Basic/Outstanding
$99.54 <-12 mths 1583.48%
# of Share in Millions 8.221 8.308 8.308 8.308 8.310 8.429 8.589 8.559 8.559 8.559 8.559 8.559 8.559 8.559 8.559 8.559 0.30% <-IRR #YR-> 10 Shares 3.02%
Increase 0.00% 1.05% 0.00% 0.00% 0.02% 1.43% 1.90% -0.35% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% <-IRR #YR-> 5 Shares 0.00%
CF fr Op $Millon $8.4 -$6.5 $26.0 $26.0 -$75.3 -$94.3 -$47.6 $23.4 -$101.5 $31.5 -$51.1 $60.6 $5.9 $99.5 <-12 mths -77.25% <-Total Growth 10 Cash Flow
Increase -41.07% -178% 497.58% 0.00% -389.53% -25.35% 49.59% 149.14% -534.15% 131.05% -262.24% 218.49% -90.24% 1583.48% <-12 mths Buy Backs Share Issues SO
5 year Running Average $8.5 $6.6 $12.2 $13.6 -$4.3 -$24.8 -$33.0 -$33.6 -$59.1 -$37.7 -$29.1 -$7.4 -$10.9 $29.3 <-12 mths -189.19% <-Total Growth 10 CF 5 Yr Running
CFPS $1.02 -$0.79 $3.13 $3.13 -$9.06 -$11.19 -$5.54 $2.73 -$11.85 $3.68 -$5.97 $7.08 $0.69 $11.63 <-12 mths -77.92% <-Total Growth 10 Cash Flow per Share
Increase -41.07% -177% 497.58% 0.00% -389.46% -23.58% 50.53% 149.31% -534.15% 131.05% -262.24% 218.49% -90.24% 1583.48% <-12 mths -13.76% <-IRR #YR-> 10 Cash Flow -77.25%
5 year Running Average $1.00 $0.78 $1.46 $1.65 -$0.51 -$2.96 -$3.91 -$3.99 -$6.98 -$4.43 -$3.39 -$0.87 -$1.28 $3.42 <-12 mths -24.03% <-IRR #YR-> 5 Cash Flow 144.44%
P/CF on Med Price 7.88 -11.82 3.36 2.95 -0.99 -0.83 -1.69 2.44 -0.66 2.30 -0.98 0.63 3.98 0.11 <-12 mths -14.02% <-IRR #YR-> 10 Cash Flow per Share -77.92%
P/CF on Closing Price 7.69 -11.88 3.07 2.87 -1.02 -0.81 -1.82 2.45 -0.71 2.09 -0.77 0.55 2.61 0.08 <-12 mths -24.03% <-IRR #YR-> 5 Cash Flow per Share -74.70%
-86.95% Diff M/C #NUM! <-IRR #YR-> 10 CFPS 5 yr Running -187.52%
-$8.69 <-12 mths -537.67%
Excl.Working Capital CF $1.55 $20.58 -$13.33 $11.60 $84.14 $107.74 $56.95 -$22.26 $117.45 -$16.84 $61.87 -$47.74 -$7.28 $0.00 $0.00 -20.37% <-IRR #YR-> 5 CFPS 5 yr Running 67.99%
CF fr Op $M WC $9.95 $14.04 $12.66 $37.59 $8.88 $13.40 $9.39 $1.11 $15.98 $14.66 $10.75 $12.83 -$1.36 -$8.69 <-12 mths -110.76% <-Total Growth 10 Cash Flow less WC
Increase -73.76% 41.13% -9.82% 196.86% -76.38% 50.91% -29.89% -88.22% 1344.14% -8.25% -26.68% 19.35% -110.62% -537.67% <-12 mths #NUM! <-IRR #YR-> 10 Cash Flow less WC -110.76%
5 year Running Average $14.2 $16.4 $17.1 $22.4 $16.6 $17.3 $16.4 $14.1 $9.8 $10.9 $10.4 $11.1 $10.6 $5.6 <-12 mths #NUM! <-IRR #YR-> 5 Cash Flow less WC -223.08%
CFPS Excl. WC $1.21 $1.69 $1.52 $4.52 $1.07 $1.59 $1.09 $0.13 $1.87 $1.71 $1.26 $1.50 -$0.16 -$1.01 <-12 mths -4.70% <-IRR #YR-> 10 CF less WC 5 Yr Run -38.20%
Increase -73.76% 39.67% -9.82% 196.86% -76.39% 48.78% -31.20% -88.18% 1344.14% -8.25% -26.68% 19.35% -110.62% -537.67% <-12 mths -5.56% <-IRR #YR-> 5 CF less WC 5 Yr Run -24.88%
5 year Running Average $1.68 $1.96 $2.06 $2.71 $2.00 $2.08 $1.96 $1.68 $1.15 $1.28 $1.21 $1.29 $1.24 $0.66 <-12 mths #NUM! <-IRR #YR-> 10 CFPS - Less WC -110.44%
P/CF on Median Price 6.65 5.50 6.91 2.04 8.38 5.87 8.57 51.47 4.19 4.95 4.66 2.99 -17.28 -1.30 <-12 mths #NUM! <-IRR #YR-> 5 CFPS - Less WC -223.08%
P/CF on Closing Price 6.50 5.53 6.30 1.99 8.61 5.72 9.21 51.82 4.50 4.49 3.67 2.58 -11.31 -0.95 <-12 mths -4.98% <-IRR #YR-> 10 CFPS 5 yr Running -40.00%
*Operational Cash Flow. CF/-WC P/CF Med 10 yr -0.01 5 yr  0.63 P/CF Med 10 yr 4.80 5 yr  4.19 -119.69% Diff M/C -5.98% <-IRR #YR-> 5 CFPS 5 yr Running -26.53%
-$3.13 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.69 Cash Flow per Share
-$2.73 $0.00 $0.00 $0.00 $0.00 $0.69 Cash Flow per Share
-$1.46 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -$1.28 CFPS 5 yr Running
$3.99 $0.00 $0.00 $0.00 $0.00 -$1.28 CFPS 5 yr Running
-$12.7 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 -$1.4 Cash Flow less WC
-$1.1 $0.0 $0.0 $0.0 $0.0 -$1.4 Cash Flow less WC
-$17.1 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $10.6 CF less WC 5 Yr Run
-$14.1 $0.0 $0.0 $0.0 $0.0 $10.6 CF less WC 5 Yr Run
-$1.52 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -$0.16 CFPS - Less WC
-$0.13 $0.00 $0.00 $0.00 $0.00 -$0.16 CFPS - Less WC
OPM Ratio 32.21% -21.62% 82.32% 91.14% -239.62% -249.30% -84.66% 48.19% -159.84% 46.68% -64.13% 72.92% 9.55% 224.80% -88.40% <-Total Growth 10 OPM
Increase -41.49% -167% 480.69% 10.71% -362.92% -4.04% 66.04% 156.91% -431.71% 129.21% -237.37% 213.70% -86.90% 2253.19% Should increase  or be stable.
Diff from Median -218.0% -20.8% -401.7% -434.0% 778.1% 813.5% 210.2% -276.6% 485.7% -271.1% 135.0% -367.2% -135.0% -923.7% 0.00 <-Median-> 10 OPM
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs -27.29% 5 Yrs 9.55% should be  zero, it is a   check on calculations
Coveraging Assets $113.22 $143.45 $146.70 $138.12 $230.43 $352.00 $375.41 $359.57 $497.05 $462.71 $475.82 $374.23 $333.92 $132.82 127.62% <-Total Growth 10 Coveraging Assets See cur Asset
Change -4.36% 26.70% 2.27% -5.85% 66.84% 52.76% 6.65% -4.22% 38.23% -6.91% 2.83% -21.35% -10.77% -60.22% 0.73 <-Median-> 10 Change Type
Debt/Assets Coverage Ratio 0.51 0.56 0.46 0.53 0.67 0.70 0.73 0.69 0.75 0.74 0.81 0.83 0.87 0.82 281.77 <-Median-> 10 Debt/Assets Coverage Ratio Lg Term R
Long Term Debt $58.18 $80.80 $67.30 $73.85 $154.00 $246.64 $272.95 $249.75 $372.81 $341.70 $386.45 $311.38 $290.59 $109.14 331.81% <-Total Growth 10 Debt Lg Term A
Change -15.76% 38.89% -16.72% 9.75% 108.52% 60.15% 10.67% -8.50% 49.27% -8.35% 13.10% -19.43% -6.68% -62.44% 10.21% <-Median-> 10 Change Intang/GW
Debt/Market Cap Ratio 0.90 1.04 0.84 0.99 2.01 3.22 3.16 4.36 5.19 5.18 9.79 9.42 18.86 13.28 4.77 <-Median-> 10 % of Market C. Liquidity
Assets/Current Liabilities Ratio 6.63 7.23 9.08 10.04 9.20 8.69 15.93 12.90 17.26 15.16 16.45 11.25 10.70 5.99 12.07 <-Median-> 10 Assets/Current Liabilities Liq. + CF
Debt to Cash Flow (Years) 6.93 -12.36 2.59 2.84 -2.05 -2.61 -5.74 10.69 -3.67 10.85 -7.56 5.14 49.14 1.10 0.40 <-Median-> 10 Debt to Cash Flow (Years) Debt Ratio
Long Term Debt/Curr Asset Ratio 0.51 0.56 0.46 0.50 0.67 0.70 0.73 0.69 0.75 0.74 0.81 0.83 0.87 0.82 0.73 <-Median-> 10 Debt/Market Cap Ratio Leverage
D/E Ratio
Intangibles $2.07 $1.50 $0.99 $4.23 $4.12 $3.64 $3.28 $3.28 $3.20 $3.00 $0.00 $0.00 $0.00 #DIV/0! <-Total Growth 10 Intangibles
Goodwill $1.02 $3.00 $3.21 $3.17 $13.08 $14.03 $13.45 $13.22 $13.22 $12.07 $0.00 $0.00 $0.00 $0.00 #DIV/0! <-Total Growth 10 Goodwill
Total $1.02 $5.07 $4.71 $4.16 $17.31 $18.15 $17.09 $16.50 $16.50 $15.28 $3.00 $0.00 $0.00 $0.00 #DIV/0! <-Total Growth 10 Total
Change 6.91% 395.67% -7.11% -11.66% 316.02% 4.84% -5.80% -3.50% 0.00% -7.40% -80.39% -100.00% #DIV/0! #DIV/0! #DIV/0! <-Median-> 9 Change
Intangible/Market Cap Ratio 0.02 0.07 0.06 0.06 0.23 0.24 0.20 0.29 0.23 0.23 0.08 0.00 0.00 0.00 0.21 <-Median-> 10 % of Market C.
Current Assets $113.2 $143.4 $146.7 $147.2 $230.4 $352.0 $375.4 $359.6 $497.05 $462.71 $475.82 $374.23 $333.92 $132.82 127.62% <-Total Growth 10 Current Assets
Current Liabilities $18.2 $21.4 $17.0 $15.4 $27.3 $28.9 $25.5 $29.8 $30.1 $32.4 $31.2 $36.8 $33.3 $27.6 95.87% <-Total Growth 10 Current Liabilities
Liquidity Ratio 6.22 6.71 8.62 9.54 8.45 12.18 14.73 12.05 16.49 14.26 15.25 10.17 10.02 4.81 12.11 <-Median-> 10 Ratio
Liq. with CF aft div 6.53 5.95 9.98 11.03 7.61 11.02 13.13 12.76 15.60 15.15 14.36 11.82 10.19 8.42 14.36 <-Median-> 5 Ratio
Liq. CF re  Inv+Div  6.52 5.04 1.47 10.92 7.29 10.85 13.05 12.74 15.56 15.07 14.26 11.82 10.19 8.42 14.26 <-Median-> 5 Ratio
Assets $120.8 $154.6 $154.6 $154.9 $251.0 $251.0 $406.2 $384.9 $520.1 $491.8 $513.5 $413.9 $356.7 $165.4 130.79% <-Total Growth 10 Assets
Liabilities $67.4 $93.3 $81.5 $79.2 $170.9 $170.9 $309.8 $291.2 $416.1 $385.1 $424.8 $327.2 $302.9 $121.7 271.65% <-Total Growth 10 Liabilities
Debt Ratio 1.79 1.66 1.90 1.96 1.47 1.47 1.31 1.32 1.25 1.28 1.21 1.26 1.18 1.36 1.29 <-Median-> 10 Ratio
Estimates BVPS $0.00 Estimates Estimates BVPS
Estimate Book Value $0.0 Estimates Estimate Book Value
P/B Ratio (Close) #DIV/0! Estimates P/B Ratio (Close)
Difference from 10 year median #VALUE! Diff M/C Estimates Difference from 10 yr med.
Book Value 53.43 61.33 73.07 75.68 80.13 80.13 96.37 93.76 103.96 106.61 88.66 86.68 53.83 43.69
NCI 0.00 0.00 0.00 0.00 3.68 3.68 3.85 3.91 3.99 5.64 4.76 5.85 2.84 0.00
Book Value $53.4 $61.3 $73.1 $75.7 $76.4 $76.4 $92.5 $89.9 $100.0 $101.0 $83.9 $80.8 $51.0 $43.7 $43.7 $43.7 -30.21% <-Total Growth 10 Book Value
Book Value per share $6.50 $7.38 $8.79 $9.11 $9.20 $9.07 $10.77 $10.50 $11.68 $11.80 $9.80 $9.44 $5.96 $5.11 $5.11 $5.11 -32.26% <-Total Growth 10 Book Value per Share
Increase 12.69% 13.60% 19.13% 3.58% 0.99% -1.41% 18.76% -2.54% 11.26% 1.00% -16.90% -3.67% -36.91% -14.31% 0.00% 0.00% -85.44% P/B Ratio Current/Historical Median
P/B Ratio (Median) 1.24 1.26 1.20 1.01 0.97 1.03 0.87 0.63 0.67 0.72 0.60 0.47 0.46 0.26 1.29 P/B Ratio Historical Median
P/B Ratio (Close) 1.21 1.27 1.09 0.99 1.00 1.00 0.93 0.64 0.72 0.65 0.47 0.41 0.30 0.19 0.19 0.19 -3.82% <-IRR #YR-> 10 Book Value per Share -32.26%
Change -0.35% 4.72% -13.81% -9.59% 1.33% 0.22% -6.72% -31.73% 12.68% -9.25% -27.95% -13.08% -26.08% -37.76% 0.00% 0.00% -10.71% <-IRR #YR-> 5 Book Value per Share -43.25%
Leverage (A/BK) 2.26 2.52 2.12 2.05 3.28 3.28 4.39 4.28 5.20 4.87 6.12 5.12 7.00 3.79 5.20 <-Median-> 5 A/BV
Debt/Equity Ratio 1.26 1.52 1.12 1.05 2.24 2.24 3.35 3.24 4.16 3.81 5.06 4.05 5.94 2.79 4.16 <-Median-> 5 Debt/Eq Ratio
Shareholders' Equity (Assets less Liabilities) P/BV 10 yr Med 0.69 5 yr Med 0.60 -72.91% Diff M/C 2.26 Historical Leverage (A/BK)
-$8.79 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $5.96
-$10.50 $0.00 $0.00 $0.00 $0.00 $5.96
-$34.95 <-12 mths -16.97%
Comprehensive Income $8.67 $9.78 $14.62 $5.47 $3.66 $13.83 $4.09 -$0.22 $11.94 $2.96 -$15.21 -$3.15 -$29.88 -304.31% <-Total Growth 10 Comprehensive Income
Increase 56.54% 12.90% 49.48% -62.58% -33.20% 278.50% -70.45% -105.49% 5424.55% -75.26% -614.70% 79.31% -849.41% -75.26% <-Median-> 5 Comprehensive Income
5 Yr Running Average $5.38 $7.76 $9.40 $8.82 $8.44 $9.47 $8.33 $5.37 $6.66 $6.52 $0.71 -$0.74 -$6.67 #NUM! <-IRR #YR-> 10 Comprehensive Income -304.31%
ROE 16.2% 16.0% 20.0% 7.2% 4.8% 18.1% 4.4% -0.2% 11.9% 2.9% -18.1% -3.9% -58.6% 166.02% <-IRR #YR-> 5 Comprehensive Income -13221.15%
5Yr Median 14.4% 16.0% 16.2% 16.0% 16.0% 16.0% 7.2% 4.8% 4.8% 4.4% 2.9% -0.2% -3.9% #NUM! <-IRR #YR-> 10 5 Yr Running Average -170.91%
% Difference from NI 32.55% 42.22% 66.97% -16.67% -41.15% 33.59% -36.55% -153.83% 0.47% 107.11% -4.00% -32.73% 8.73% #NUM! <-IRR #YR-> 5 5 Yr Running Average -224.28%
Median Values Diff 5, 10 yr -10.3% 0.5% -3.9% <-Median-> 5 Return on Equity
-$14.6 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 -$29.9
$0.2 $0.0 $0.0 $0.0 $0.0 -$29.9
-$9.4 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 -$6.7
-$5.4 $0.0 $0.0 $0.0 $0.0 -$6.7
Current Liability Coverage Ratio 0.55 0.66 0.74 2.44 0.33 0.46 0.37 0.04 0.53 0.45 0.34 0.35 -0.04 -0.31   CFO / Current Liabilities
5 year Median 0.55 0.58 0.66 0.74 0.66 0.66 0.46 0.37 0.37 0.45 0.37 0.35 0.35 0.34 0.35 <-Median-> 5 Current Liability Cov Ratio
Asset Efficiency Ratio 8.24% 9.08% 8.19% 24.27% 3.54% 5.34% 2.31% 0.29% 3.07% 2.98% 2.09% 3.10% -0.38% -5.25% CFO / Total Assets
5 year Median 8.2% 9.1% 9.08% 9.08% 8.24% 8.19% 5.34% 3.54% 3.07% 2.98% 2.31% 2.98% 2.98% 2.09% 3.0% <-Median-> 5 Return on Assets 
Return on Assets ROA 5.4% 4.4% 5.7% 4.2% 2.5% 4.1% 1.6% 0.1% 2.3% 0.3% -2.8% -0.6% -9.2% -22.1% Net  Income/Assets Return on Assets
5Yr Median 5.4% 5.4% 5.4% 5.1% 4.4% 4.2% 4.1% 2.5% 2.3% 1.6% 0.3% 0.1% -0.6% -2.8% -0.6% <-Median-> 5 Asset Efficiency Ratio
Return on Equity ROE 12.2% 11.2% 12.0% 8.7% 8.1% 13.5% 7.0% 0.5% 11.9% 1.4% -17.4% -2.9% -64.2% -83.6% Net Inc/ Shareholders' equity Return on Equity
5Yr Median 13.4% 13.4% 12.2% 12.0% 11.2% 11.2% 8.7% 8.1% 8.1% 7.0% 1.4% 0.5% -2.9% -17.4% -2.9% <-Median-> 5 Return on Equity
-$36.54 <-12 mths -11.61%
Total Net Income $6.54 $6.88 $8.76 $6.57 $6.60 $11.23 $5.34 $0.61 $13.22 $1.64 -$15.39 -$3.14 -$29.97 -442.17% <-Total Growth 10 Total Net Income
NCI $0.0 $0.0 $0.0 $0.0 $0.39 $0.87 -$1.10 $0.19 $1.34 $0.22 -$0.77 -$0.77 $2.77 NCI
Net Income $6.54 $6.88 $8.76 $6.57 $6.21 $10.36 $6.44 $0.42 $11.89 $1.43 -$14.63 -$2.37 -$32.74 -$36.54 <-12 mths -473.76% <-Total Growth 10 Net Income
Increase 2.53% 5.22% 27.32% -25.03% -5.41% 66.73% -37.78% -93.53% 2753.14% -88.00% -1124.97% 83.79% -1280.68% -11.61% <-12 mths EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $6.37 $7.13 $7.23 $7.02 $6.99 $7.75 $7.67 $6.00 $7.06 $6.11 $1.11 -$0.65 -$7.28 -$16.97 <-12 mths #NUM! <-IRR #YR-> 10 Net Income -473.76%
Operating Cash Flow $8.40 -$6.54 $25.99 $25.99 -$75.26 -$94.34 -$47.56 $23.37 -$101.46 $31.51 -$51.12 $60.57 $5.91 #NUM! <-IRR #YR-> 5 Net Income -7957.41%
Investment Cash Flow -$0.05 -$4.36 -$98.21 -$0.16 -$1.33 -$0.50 -$0.18 -$0.04 -$0.08 -$0.18 -$0.24 $60.25 -$0.03 #NUM! <-IRR #YR-> 10 5 Yr Running Average -200.78%
Total Accruals -$1.81 $17.78 $80.97 -$19.27 $82.80 $105.20 $54.18 -$22.91 $113.43 -$29.91 $36.73 -$123.19 -$38.62 #NUM! <-IRR #YR-> 5 5 Yr Running Average -221.42%
Total Assets $120.81 $154.62 $154.56 $154.87 $251.02 $251.02 $406.21 $384.91 $520.11 $491.76 $513.48 $413.88 $356.70 Balance Sheet Assets
Accruals Ratio -1.50% 11.50% 52.39% -12.44% 32.99% 41.91% 13.34% -5.95% 21.81% -6.08% 7.15% -29.76% -10.83% -6.08% <-Median-> 5 Ratio
EPS/CF Ratio (WC) 0.66 0.49 0.69 0.17 0.67 0.78 0.69 0.39 0.74 0.10 -1.36 -0.25 21.99 0.53 <-Median-> 10 EPS/CF Ratio
-$8.8 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 -$32.7
-$0.4 $0.0 $0.0 $0.0 $0.0 -$32.7
-$7.2 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 -$7.3
-$6.0 $0.0 $0.0 $0.0 $0.0 -$7.3
Change in Close 12.29% 18.96% 2.67% -6.35% 2.34% -1.20% 10.78% -33.47% 25.37% -8.33% -40.13% -16.27% -53.37% -46.67% 0.00% 0.00% Count 34 Years of data
up/down up down down up down up down up down up down up up Count 25 73.53%
Meet Prediction? yes Yes Yes Yes Yes Yes Yes Yes % right Count 12 48.00%
Financial Cash Flow -$14.9 $14.1 -$22.4 $1.0 $75.6 $99.6 $37.9 -$21.9 $120.4 -$37.3 $43.2 -$108.2 -$19.9 C F Statement  Financial Cash Flow
Total Accruals $13.1 $3.6 $103.4 -$20.2 $7.2 $5.6 $16.2 -$1.0 -$6.9 $7.4 -$6.5 -$15.0 -$18.8 Accruals
Accruals Ratio 10.82% 2.35% 66.88% -13.07% 2.86% 2.22% 4.00% -0.26% -1.33% 1.50% -1.26% -3.63% -5.26% -1.33% <-Median-> 5 Ratio
Cash $3.4 $7.1 $12.4 $9.1 $3.7 $16.3 $6.8 $10.4 $10.2 $22.9 $33.0 $31.5 $7.0 $5.6 Cash
Cash per Share $0.42 $0.86 $1.50 $1.09 $0.44 $1.94 $0.79 $1.22 $1.20 $2.67 $3.86 $3.68 $0.82 $0.65 $2.67 <-Median-> 5 Cash per Share
Percentage of Stock Price 5.33% 9.14% 15.60% 12.15% 4.81% 21.33% 7.83% 18.17% 14.25% 34.72% 83.62% 95.42% 45.37% 67.77% 45.37% <-Median-> 5 % of Stock Price
Notes
August 30, 2026.  There were no estimates last year.
September 7, 2025.  Last estimates were for 2024 of $80M Revenue, $0.61 AEPS, $0.60 EPS, $0, $0 Dividends, $10.09, $13.00 204/5 BVPS, $5.23 Net Income.
August 31, 2024.  Last estimates were for 2023, 2024 of $76M, $89.8M Revenue, $0.56, $1.18 EPS, $0.30, $0.30 Dividends, $12.10, $13.00 BVPS, $4.79M, $10.1M Net Income.
September 1, 2023.  There were no estimates last year.
September 5, 2022.  There were no estimates last year.
August 29, 2021.  There was only one estimate and that was for EPS for 2020 of $0.72.
September 6, 2020.  There were no estimates last year.
September 8, 2019.  There were no estimates last year.
September 15, 2018.  There were not estimates last year, I used 12 month values to the end of the second quarrter.
September 16, 2017.  There were no estimates given last year.
Since 1978, Accord has provided financing services to a variety of small and medium-sized enterprises (SMEs) across Canada and the U.S
Accord Financial Corp. is a holding company, listed on the Toronto Stock Exchange (TSX:ACD). It has three operating companies: Accord Financial Ltd. operates our receivables management, credit 
guarantee and collections business; Accord Financial Inc. operates our financing business in Canada; Accord Financial, Inc. operates our financing business in the U.S.
1992.  Company goes public on the TSX.
1987.  Dividends were started by the company according to their annual report.
1978.  Accord Financial commences operations in Toronto and Montreal 
Among others, ACD seems to be a Beutel family investment 
Robert Jonathan Beutel is 10% holder
Sector:
Financial Service, Finance
What should this stock accomplish?
I was looking for a small cap financial stock in 2024.  The dividend was good and it did raise the dividend regularly. It has had some problems recently, 
but a lot of companies are with this long drawn out recover.  As with all small cap stocks there is low trading volume.
Would I buy this company and Why.
If I was looking for a small cap financial stock, I would consider this stock.  The dividend is good and it does raise the dividend regularly. 
It has had some problems recently, but a lot of companies are with this long drawn out recover.  As with all small cap stocks there is low trading volume.
Why am I following this stock. 
Fred Poulin from Stocktwits recommended this stock saying it was a small cap that pay dividends.  Also the stock has a solid background and would be a good filler stock.
Why am I bought this company.
Dividends
Dividends are paid in cycle 3 of March, June, September and December.   Dividends are declared in one month and paid in the following month.
For example, the dividend payable for shareholders of record of August 15, 2016 is payable on September 1, 2016.
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.
Accord Financial Corp is a provider of asset-based financial services to businesses. It is engaged in providing asset-based financing services, including factoring 
and receivables financing, equipment and inventory financing, leasing, working capital financing, and media financing, to industrial and commercial enterprises, principally in Canada.   
Shares; '%, Value $M %, Val $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 2018 Sep 08 2019 Sep 06 2020 Aug 29 2021 Sep 5 2022 Sep 5 2023 Aug 31 2024 Sep 7 2025 Aug 30 2026
Helderman, Matthew 0.000 0.00% 0.000 0.00% 0.000 0.00% Last filing 2019 #DIV/0!
CEO - Co founder Shares - Amt $0.000 $0.000 $0.000 has some debentures
Options - percentage 0.000 0.00% 0.000 0.00% 0.000 0.00% #DIV/0!
Options - amount $0.000 $0.000 $0.000
Hitzig, Simon Jonathan 0.195 2.27% 0.198 2.31% 0.198 2.31% 0.200 2.34% 0.222 2.59% 0.222 2.59% 0.222 2.59% 0.222 2.59% Last Filing Sep 2024 0.00%
CEO & President- Shares - Amt $1.964 $1.327 $1.663 $1.541 $1.024 $0.857 $0.400 $0.213 Back to being CEO 2026
Options - percentage 0.002 0.02% 0.000 0.00% 0.000 0.00% 0.012 0.14% 0.021 0.25% 0.036 0.42% 0.060 0.70% 0.060 0.70% 0.00%
Options - amount $0.019 $0.000 $0.000 $0.092 $0.097 $0.139 $0.108 $0.058
Eddy, Irene 0.000 0.00% 0.004 0.05% 0.004 0.05% 0.004 0.05% 0.004 0.05% Last Filing Sept 2024 0.00%
CFO - Shares - Amount $0.000 $0.018 $0.015 $0.007 $0.004
Options - percentage 0.012 0.14% 0.024 0.28% 0.042 0.49% 0.066 0.77% 0.066 0.77% 0.00%
Options - amount $0.092 $0.111 $0.162 $0.119 $0.063
Jang, James Chadwick 0.043 0.50% 0.044 0.51% 0.044 0.51% 0.044 0.51% 0.050 0.58% Subsidiary Executives 13.69%
Officer - Shares - Amount $0.329 $0.201 $0.169 $0.079 $0.048 Last filing Sept 2024
Options - percentage 0.015 0.18% 0.027 0.32% 0.050 0.58% 0.072 0.84% 0.072 0.84% 0.00%
Options - amount $0.116 $0.124 $0.191 $0.130 $0.069
Rosenfeld, Jason 0.004 0.05% 0.004 0.05% 0.004 0.05% 0.004 0.05% Subsidiary Executives -100.00%
Officer - Shares - Amount $0.030 $0.018 $0.015 $0.007 Last filing Sept 2023
Options - percentage 0.006 0.07% 0.012 0.14% 0.027 0.32% 0.027 0.32% -100.00%
Options - amount $0.046 $0.055 $0.104 $0.049
Prager, Gary 0.009 0.10% 0.009 0.10% 0.009 0.10% 0.009 0.10% Last Filed 2018 0.00%
Director - Shares - Amt $0.041 $0.034 $0.016 $0.009
Options - percentage 0.040 0.47% 0.040 0.47% 0.040 0.47% 0.040 0.47% 0.00%
Options - amount $0.184 $0.154 $0.072 $0.038
Warden, Stephen Duncan 0.009 0.10% 0.009 0.10% Last Filed 2018 0.00%
Director - Shares - Amt $0.016 $0.009
Options - percentage 0.040 0.47% 0.040 0.47% 0.00%
Options - amount $0.072 $0.038
Hitzig, Kenneth 23.73% 2.000 23.29% 2.000 23.37% 2.000 23.37% 2.000 23.37% 2.000 23.37% 2.000 23.37% 2.000 23.37% 2.000 23.37% Last filing Dec 2018 0.00%
Chairman - Shares - Amount $18.180 $20.140 $13.400 $16.800 $15.400 $9.220 $7.720 $3.600 $1.920 Now Director 2021, was Chair
Options - percentage 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% Chair Emeritus 2026 #DIV/0!
Options - amount $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000
Beutel, David Michael 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% Last filing Jul 2016 #DIV/0!
Chairman - Shares - Amount $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 Now Chairman 2021
Options - percentage 0.47% 0.040 0.47% 0.040 0.47% 0.040 0.47% 0.040 0.47% 0.040 0.47% 0.040 0.47% 0.040 0.47% -100.00%
Options - amount $0.364 $0.403 $0.268 $0.336 $0.308 $0.184 $0.154 $0.072
Beutel, Robert Jonathan 2.142 25.03% 2.142 25.03% 2.142 25.03% Last filing Oct 2021 0.00%
10% holder $8.268 $3.856 $2.056
Increase in O/S Shares 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.000 0.00% 0.231 2.70% 0.000 0.00%
Due to SO $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $1.065 $0.000
Book Value $0.000 $0.020 $0.000 $0.000 $0.088 $0.190 $0.069 $0.070 $0.000
Insider Buying -$0.190 -$0.042 -$0.219 -$0.001 -$0.001 -$0.025 $0.000 $0.000 $0.000
Insider Selling $0.000 $0.000 $0.196 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000
Net Insider Selling -$0.190 -$0.042 -$0.024 -$0.001 -$0.001 -$0.025 $0.000 $0.000 $0.000
Net Selling % of Market Cap -0.25% -0.05% -0.04% 0.00% 0.00% -0.06% 0.00% 0.00% 0.00%
Directors 7 6 6 8 8 8 8 4
Women 0% 0 0% 1 17% 1 17% 1 13% 1 13% 1 13% 1 13% 0 0%
Minorities 0% 0 0% 0 0% 0 0% 0 0% 0 0% 0 0% 0 0% 0 0%
Institutions/Holdings 4 35.04% 3 0.47% 3 0.47% none available in 2024/25/26
Total Shares Held 2.999 35.04% 0.040 0.47% 0.000 0.00% Hitzig Bros., Hargreaves & Co. Inc 2.000
Increase/Decrease 3 Mths -0.139 -4.43% -1.487 -97.37% -1.487 -100.00% Oakwest Corporation Limited 1.926
Starting No. of Shares 3.139 Top 20 MS 1.527 Top 20 MS 1.487 Top 20 MS 3502236 Canada Inc 1.048
as if March 2017
Institutions/Holdings 57.14% no data on
Value $43.780 Morningstar 3502236 Canada Inc Diectors
Total Shares Held 60.17% Howarnd Tom
Value $44.950 Andy Tom
Increase/Decrease 3 Mths 0.00% Tony Tom
Starting No. of Shares Morningstar Robert Tom
5595 De Lamotte Street
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