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| Annual Rates (per share) | 10 yrs* | 5 yrs* | 12 months* |
|---|---|---|---|
| Revenue Growth (%) | -5.8 | -14.1 | -5 |
| EBITDA Growth (%) | -22.6 | -21.7 | -7.5 |
| Free Cash Flow Growth (%) | 0 | -6 | 16.5 |
| Book Value Growth (%) | 2.7 | 2.7 | 5.1 |
See this page for the explanation of the data and charts
* All numbers are in millions except for per share data
| Per Share Data | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Revenue per Share ($) | 3.48 |
3.82 |
4.33 |
4.30 |
4.76 |
3.71 |
4.36 |
2.44 |
2.40 |
2.34 |
2.29 |
0.58 |
0.58 |
0.60 |
0.58 |
0.53 |
| EBITDA per Share | 1.68 |
1.93 |
2.57 |
2.39 |
2.43 |
1.73 |
0.46 |
0.10 |
0.46 |
0.51 |
0.49 |
0.12 |
0.18 |
0.08 |
0.13 |
0.10 |
| Free Cashflow per Share | 1.20 |
1.50 |
-0.24 |
1.49 |
1.60 |
1.39 |
0.89 |
1.69 |
0.81 |
1.07 |
1.13 |
0.26 |
0.52 |
0.12 |
0.17 |
0.32 |
| Earnings per Share ($) | 0.86 |
1.02 |
1.38 |
1.32 |
1.39 |
1.30 |
0.26 |
0.05 |
0.25 |
0.34 |
0.33 |
0.07 |
0.09 |
0.08 |
0.09 |
0.07 |
| Dividends Per Share | 0.34 |
0.36 |
0.46 |
0.53 |
0.55 |
0.57 |
0.29 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Book Value per Share | 6.45 |
10.33 |
9.44 |
9.10 |
9.84 |
8.38 |
14.47 |
9.09 |
9.55 |
9.90 |
10.06 |
9.57 |
9.70 |
10.09 |
10.10 |
10.06 |
| Month End Stock Price | 15.91 |
18.41 |
18.98 |
21.74 |
16.32 |
10.07 |
7.86 |
6.00 |
4.55 |
6.91 |
7.51 |
7.90 |
7.28 |
7.60 |
6.91 |
7.51 |
| Ratios | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Return on Equity % | 13.40 |
9.90 |
14.60 |
14.50 |
14.10 |
11.90 |
1.80 |
0.50 |
2.70 |
3.40 |
2.80 |
3.20 |
3.60 |
3.20 |
3.60 |
2.80 |
| Return on Assets % | 1.20 |
1.00 |
1.50 |
1.50 |
1.50 |
1.30 |
0.30 |
0.10 |
0.40 |
0.50 |
0.40 |
0.40 |
0.40 |
0.40 |
0.40 |
0.40 |
| Return on Capital - Joel Greenblatt % | 471 |
-- |
829 |
168 |
42.40 |
46.90 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Debt to Equity | 1.03 |
0.58 |
0.70 |
0.68 |
0.86 |
0.90 |
0.36 |
0.19 |
0.20 |
0.19 |
0.19 |
0.15 |
0.15 |
0.19 |
0.19 |
0.19 |
| Operating Margin % | 40.80 |
42.20 |
52.00 |
50.20 |
47.30 |
43.20 |
7.50 |
0.90 |
15.90 |
18.30 |
15.80 |
17.70 |
20.10 |
17.00 |
18.70 |
15.80 |
| Net Margin % | 24.80 |
26.70 |
31.90 |
30.70 |
29.20 |
26.90 |
6.00 |
2.00 |
10.60 |
14.50 |
12.80 |
12.50 |
15.30 |
14.00 |
16.20 |
12.80 |
| Debt to Revenue | 1.91 |
1.57 |
1.52 |
1.43 |
1.78 |
2.04 |
1.20 |
0.71 |
0.80 |
0.81 |
3.70 |
2.46 |
2.53 |
3.23 |
3.35 |
3.70 |
| Interest Exp. to Revenue % | 88.22 |
89.02 |
91.91 |
91.72 |
91.04 |
92.28 |
91.37 |
92.50 |
91.11 |
87.49 |
87.16 |
87.84 |
87.46 |
87.23 |
87.42 |
87.16 |
| Asset Turnover | 0.05 |
0.04 |
0.05 |
0.05 |
0.05 |
0.05 |
0.04 |
0.04 |
0.04 |
0.04 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
0.01 |
| Buyback Ratio | -- |
-- |
-- |
-- |
-- |
-- |
-1,507 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Dividend Payout Ratio | 0.40 |
0.35 |
0.34 |
0.40 |
0.40 |
0.57 |
1.09 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Income Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Interest Income | 16.87 |
19.42 |
26.46 |
27.07 |
26.40 |
25.93 |
24.03 |
22.26 |
21.59 |
19.41 |
18.64 |
5.01 |
4.84 |
4.86 |
4.69 |
4.24 |
| Non Interest Income | 2.25 |
2.40 |
2.33 |
2.44 |
2.60 |
2.17 |
2.27 |
1.80 |
2.11 |
2.77 |
2.71 |
0.69 |
0.69 |
0.71 |
0.68 |
0.63 |
| Revenue | 19.12 |
21.81 |
28.79 |
29.51 |
29.00 |
28.09 |
26.30 |
24.06 |
23.70 |
22.18 |
21.35 |
5.70 |
5.54 |
5.58 |
5.37 |
4.87 |
| Selling, General, &Admin. Expense | 6.23 |
6.05 |
7.29 |
8.17 |
8.40 |
7.69 |
8.05 |
9.30 |
10.89 |
8.89 |
8.89 |
2.35 |
2.17 |
2.24 |
2.13 |
2.34 |
| Credit Losses Provision | 0.95 |
0.90 |
0.32 |
0.32 |
0.45 |
1.74 |
8.53 |
7.37 |
3.63 |
1.37 |
0.89 |
0.58 |
0.38 |
0.41 |
-- |
0.10 |
| Other Expenses | 2.72 |
3.84 |
4.09 |
4.61 |
5.34 |
5.56 |
6.93 |
6.39 |
4.67 |
7.07 |
7.03 |
1.57 |
1.26 |
2.19 |
2.06 |
1.53 |
| Earnings Before DDA | 9.22 |
11.03 |
17.09 |
16.41 |
14.81 |
13.11 |
2.79 |
1.01 |
4.51 |
4.85 |
4.54 |
1.21 |
1.73 |
0.74 |
1.18 |
0.90 |
| Depreciation, Depletion and Amortization | 1.42 |
1.82 |
2.11 |
1.61 |
1.09 |
0.96 |
0.83 |
0.79 |
0.74 |
0.78 |
0.72 |
0.20 |
0.62 |
-0.21 |
0.18 |
0.13 |
| Operating Income | 7.80 |
9.21 |
14.98 |
14.80 |
13.72 |
12.15 |
1.96 |
0.23 |
3.77 |
4.07 |
3.83 |
1.01 |
1.11 |
0.95 |
1.00 |
0.77 |
| Net Income | 4.74 |
5.83 |
9.18 |
9.06 |
8.48 |
7.57 |
1.59 |
0.48 |
2.50 |
3.21 |
3.12 |
0.71 |
0.85 |
0.78 |
0.87 |
0.62 |
| Earnings per Share ($) | 0.86 |
1.02 |
1.38 |
1.32 |
1.39 |
1.30 |
0.26 |
0.05 |
0.25 |
0.34 |
0.33 |
0.07 |
0.09 |
0.08 |
0.09 |
0.07 |
| Total Shares Outstanding | 5.50 |
5.71 |
6.65 |
6.86 |
6.10 |
7.57 |
6.04 |
9.85 |
9.86 |
9.49 |
9.22 |
9.83 |
9.52 |
9.30 |
9.31 |
9.22 |
| Balance Sheet | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Cash and cash equivalents | 34.45 |
34.05 |
39.67 |
30.30 |
21.20 |
19.42 |
58.49 |
34.12 |
25.02 |
56.21 |
48.60 |
48.22 |
36.26 |
29.65 |
56.21 |
48.60 |
| Money Market Investments | 1.55 |
9.16 |
3.86 |
3.07 |
4.50 |
3.92 |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Net Loan | 262 |
352 |
366 |
383 |
395 |
412 |
376 |
339 |
294 |
252 |
245 |
284 |
278 |
270 |
252 |
245 |
| Securities & Investments | 89.85 |
157 |
169 |
148 |
114 |
87.70 |
109 |
161 |
213 |
234 |
244 |
206 |
225 |
231 |
234 |
244 |
| Accounts Receivable | 7.59 |
13.54 |
14.22 |
19.73 |
19.79 |
20.42 |
25.10 |
20.69 |
19.91 |
7.55 |
6.56 |
19.25 |
18.69 |
7.10 |
7.55 |
6.56 |
| Property, Plant and Equipment | 1.51 |
1.88 |
2.09 |
1.85 |
1.98 |
2.12 |
2.09 |
2.03 |
2.36 |
1.89 |
1.80 |
2.28 |
2.20 |
2.18 |
1.89 |
1.80 |
| Intangible Assets | -- |
18.33 |
18.15 |
17.82 |
17.51 |
17.23 |
16.97 |
16.72 |
16.50 |
16.32 |
16.32 |
16.45 |
16.40 |
16.35 |
16.32 |
16.32 |
| Other Assets | -0.00 |
0.00 |
-0.00 |
-- |
-0.00 |
0.00 |
6.43 |
6.18 |
11.28 |
28.35 |
24.71 |
13.83 |
13.62 |
28.43 |
28.35 |
24.71 |
| Total Assets | 397 |
587 |
613 |
604 |
574 |
563 |
594 |
579 |
582 |
596 |
587 |
590 |
590 |
585 |
596 |
587 |
| Total Deposits | 323 |
475 |
501 |
494 |
456 |
437 |
470 |
465 |
462 |
478 |
471 |
477 |
476 |
467 |
478 |
471 |
| Accounts Payable | 2.89 |
18.00 |
5.66 |
5.49 |
6.46 |
5.42 |
5.82 |
7.27 |
6.13 |
6.14 |
5.67 |
5.75 |
7.78 |
5.99 |
6.14 |
5.67 |
| Current Portion of Long-Term Debt | 34.60 |
24.46 |
39.39 |
37.27 |
51.60 |
43.23 |
14.50 |
7.00 |
5.00 |
2.00 |
7.00 |
-- |
2.00 |
2.00 |
2.00 |
7.00 |
| Long-Term Debt | 1.94 |
9.83 |
4.27 |
5.00 |
-- |
14.00 |
17.00 |
10.00 |
14.00 |
16.00 |
11.00 |
14.00 |
12.00 |
16.00 |
16.00 |
11.00 |
| Other liabilities | -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 |
| Total Liabilities | 362 |
528 |
550 |
542 |
514 |
500 |
507 |
489 |
487 |
502 |
495 |
496 |
497 |
491 |
502 |
495 |
| Common Stock | 16.69 |
42.56 |
47.47 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Retained Earnings | 17.90 |
15.88 |
16.03 |
14.69 |
14.20 |
15.62 |
15.55 |
16.02 |
18.53 |
21.73 |
22.35 |
19.24 |
20.08 |
20.86 |
21.73 |
22.35 |
| Additional Paid-In Capital | -- |
-- |
-- |
48.25 |
45.67 |
47.43 |
71.58 |
71.81 |
72.02 |
67.98 |
66.35 |
71.01 |
67.90 |
67.95 |
67.98 |
66.35 |
| Total Equity | 35.46 |
58.99 |
62.75 |
62.37 |
59.97 |
63.45 |
87.35 |
89.54 |
94.10 |
93.99 |
92.73 |
94.15 |
92.34 |
93.85 |
93.99 |
92.73 |
| Cashflow Statement | Annuals (USD $) View: | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | TTM | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Net Income | 4.74 |
5.83 |
9.18 |
9.06 |
8.48 |
7.57 |
1.59 |
0.48 |
2.50 |
3.21 |
3.12 |
0.71 |
0.85 |
0.78 |
0.87 |
0.62 |
| Depreciation, Depletion and Amortization | 1.42 |
1.82 |
2.11 |
1.61 |
1.09 |
0.96 |
0.83 |
0.79 |
0.74 |
0.78 |
0.72 |
0.20 |
0.62 |
-0.21 |
0.18 |
0.13 |
| Cash Flow from Others | 0.45 |
0.93 |
-12.89 |
-0.47 |
0.15 |
2.01 |
3.48 |
15.86 |
5.57 |
6.28 |
6.86 |
1.69 |
3.54 |
0.64 |
0.41 |
2.27 |
| Cash Flow from Operations | 6.61 |
8.59 |
-1.59 |
10.20 |
9.73 |
10.54 |
5.90 |
17.12 |
8.81 |
10.27 |
10.69 |
2.61 |
5.00 |
1.21 |
1.46 |
3.03 |
| Investment for Property, Plant & Equipement | -- |
-- |
-- |
-- |
-- |
-- |
-0.55 |
-0.48 |
-0.85 |
-0.13 |
-0.10 |
-0.08 |
-0.08 |
-0.13 |
0.15 |
-0.04 |
| Cash Flow from Acquisitions | -- |
26.29 |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Cash Flow from Investing | -52.91 |
-34.36 |
-28.28 |
-3.08 |
23.62 |
4.34 |
9.01 |
-24.61 |
-16.08 |
10.65 |
-3.28 |
12.34 |
-12.53 |
-2.98 |
13.82 |
-1.58 |
| Net Issuance of Stock | 0.63 |
1.78 |
-1.07 |
-6.30 |
-8.76 |
-1.36 |
23.90 |
-- |
-- |
-4.19 |
-4.81 |
-1.04 |
-3.15 |
-- |
-- |
-1.66 |
| Net Issuance of Debt | 4.00 |
-2.25 |
9.37 |
-1.39 |
9.33 |
5.63 |
-25.73 |
-14.50 |
2.00 |
-1.00 |
4.00 |
-5.00 |
-- |
4.00 |
-- |
-- |
| Cash Flow for Dividends | -1.14 |
-2.07 |
-2.75 |
-3.33 |
-3.33 |
-3.33 |
-2.49 |
-- |
-- |
-- |
-- | -- |
-- |
-- |
-- |
-- |
| Other Financing | 46.70 |
33.64 |
25.29 |
-6.83 |
-37.99 |
-18.59 |
32.73 |
-4.63 |
-2.84 |
15.97 |
-5.73 |
14.30 |
-1.03 |
-8.83 |
11.53 |
-7.40 |
| Cash Flow from Financing | 50.20 |
31.10 |
30.83 |
-17.85 |
-40.75 |
-17.65 |
28.41 |
-19.13 |
-0.84 |
10.78 |
-6.53 |
8.25 |
-4.18 |
-4.83 |
11.53 |
-9.06 |
| Net Change in Cash | 3.90 |
5.32 |
0.96 |
-10.72 |
-7.41 |
-2.78 |
43.32 |
-26.62 |
-8.10 |
31.69 |
0.88 |
23.20 |
-11.71 |
-6.61 |
26.81 |
-7.61 |
| Free Cash Flow | 6.61 |
8.59 |
-1.59 |
10.20 |
9.73 |
10.54 |
5.35 |
16.64 |
7.96 |
10.14 |
10.59 |
2.53 |
4.93 |
1.07 |
1.61 |
2.98 |
| Valuation Ratios (Daily) | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| PE Ratio(ttm) | ![]() |
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| Price to Tangible Book | ![]() |
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| Price-to-Free-Cash-Flow ratio | ![]() |
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| PS Ratio | ![]() |
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| EV-to-Revenue | ![]() |
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| EV-to-EBITDA | ![]() |
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| EV-to-EBIT | ![]() |
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| Earnings Yield (Joel Greenblatt) | ![]() |
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| Forward Rate of Return | ![]() |
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| Shiller PE Ratio | ![]() |
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| Valuation and Quality | Annuals | Quarterly | ||||||||||||||
Fiscal Period |
Dec03 | Dec04 | Dec05 | Dec06 | Dec07 | Dec08 | Dec09 | Dec10 | Dec11 | Dec12 | Latest Q. | Mar12 | Jun12 | Sep12 | Dec12 | Mar13 |
| Market Cap | ![]() |
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| Enterprise Value | ![]() |
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| Month End Stock Price | ![]() |
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| Net Cash (per share) | ![]() |
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| Net Current Asset Value (per share) | ![]() |
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| DCF (per share) | ![]() |
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| Median PS (per share) | ![]() |
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| Peter Lynch Fair Value (per share) | ![]() |
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| Graham Number (per share) | ![]() |
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| Altman Z-Score | ![]() |
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| Piotroski F-Score | ![]() |
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