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 2024	<-esimtes
See my website on stocks or see my blog at the following sites.							https://spbrunner.com/stocks.html				https://spbrunner.blogspot.com/			1/31/25
Canadian Imperial Bank of Commerce						TSX	CM	NYSE	CM	https://www.cibc.com		Fiscal Yr:	Oct 31
Year	10/31/12	10/31/13	10/31/14	10/31/15	10/31/16	10/31/17	10/31/18	10/31/19	10/31/20	10/31/21	10/31/22	10/31/23	10/31/24	10/31/25	10/31/26	10/31/27		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											16-May-22
Split											2
														$26,183	<-12 mths	2.25%
Adjusted Revenue	$12,549	$12,783	$13,376	$13,856	$15,035	$15,975	$17,832	$18,510	$18,741	$20,015	$21,817	$23,366	$25,606	$27,232	$28,564	$27,227		91.43%	<-Total Growth	10	Revenue	Impact of items of note on revenue
Increase	2.45%	1.86%	4.64%	3.59%	8.51%	6.25%	11.62%	3.80%	1.25%	6.80%	9.00%	7.10%	9.59%	6.35%	4.89%	-4.68%		6.71%	<-IRR #YR->	10	Revenue	Total Revenue adjusted Newswire
5 year Running Average		$11,919	$12,608	$12,963	$13,520	$14,205	$15,215	$16,242	$17,219	$18,215	$19,383	$20,490	$21,909	$23,607	$25,317	$26,399		6.71%	<-IRR #YR->	5	Revenue	Operating Results - adjusted.
Revenue per Share	$15.51	$16.01	$16.85	$17.44	$18.93	$18.18	$20.13	$20.78	$20.96	$22.20	$24.08	$25.10	$27.17	$28.90	$30.31	$28.89		5.68%	<-IRR #YR->	10	5 yr Running Average
Increase	1.45%	3.20%	5.23%	3.52%	8.57%	-3.96%	10.74%	3.22%	0.85%	5.91%	8.48%	4.22%	8.28%	6.35%	4.89%	-4.68%		6.17%	<-IRR #YR->	5	5 yr Running Average
5 year Running Average		$15.03	$15.81	$16.22	$16.95	$17.48	$18.31	$19.09	$19.80	$20.45	$21.63	$22.62	$23.90	$25.49	$27.11	$28.08		4.90%	<-IRR #YR->	10	Revenue per Share
P/S (Price/Sales) Med	2.37	2.54	2.86	2.77	2.48	2.79	2.92	2.39	2.19	2.83	2.93	2.25	2.53	3.17	0.00	0.00		5.51%	<-IRR #YR->	5	Revenue per Share
P/S (Price/Sales) Close	2.53	2.77	3.05	2.88	2.65	3.12	2.82	2.70	2.37	3.38	3.44	1.95	3.21	3.13	2.99	3.13		4.22%	<-IRR #YR->	10	5 yr Running Average
*Revenue in M CDN $					P/S Med	20 yr	2.52	15 yr	2.53	10 yr	2.65	5 yr	2.53		18.35%	Diff M/C		4.59%	<-IRR #YR->	5	5 yr Running Average
			-$13,376	$0	$0	$0	$0	$0	$0	$0	$0	$0	$25,606
								-$18,510	$0	$0	$0	$0	$25,606
			-$12,608	$0	$0	$0	$0	$0	$0	$0	$0	$0	$21,909
								-$16,242	$0	$0	$0	$0	$21,909
			-$16.85	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$27.17
								-$20.78	$0.00	$0.00	$0.00	$0.00	$27.17
			-$15.81	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$23.90
								-$19.09	$0.00	$0.00	$0.00	$0.00	$23.90
Interest Income	$12,075	$11,811	$11,477	$11,483	$12,092	$13,593	$17,505	$20,697	$17,522	$14,741	$22,179	$45,019	$52,185					13.93%	<-IRR #YR->	10	Interest Income
Other Income	$5,055	$5,265	$5,917	$5,941	$6,669	$7,303	$7,769	$8,060	$7,697	$8,556	$9,192	$10,498	$11,911					17.39%	<-IRR #YR->	5	Other Income
Total	$17,130	$17,076	$17,394	$17,424	$18,761	$20,896	$25,274	$28,757	$25,219	$23,297	$31,371	$55,517	$64,096					268.49%	<-Total Growth	10	Total
			-$17,394	$0	$0	$0	$0	$0	$0	$0	$0	$0	$64,096
								-$28,757	$0	$0	$0	$0	$64,096
														$26,183	<-12 mths	2.25%
Revenue*	$12,549	$12,783	$13,376	$13,856	$15,035	$16,280	$17,834	$18,611	$18,741	$20,015	$21,833	$23,323	$25,606	$27,232	$28,564	$27,227		91.43%	<-Total Growth	10	Revenue
Increase	2.45%	1.86%	4.64%	3.59%	8.51%	8.28%	9.55%	4.36%	0.70%	6.80%	9.08%	6.82%	9.79%	6.35%	4.89%	-4.68%		6.71%	<-IRR #YR->	10	Revenue	91.43%
5 year Running Average	$10,105	$11,919	$12,608	$12,963	$13,520	$14,266	$15,276	$16,323	$17,300	$18,296	$19,407	$20,505	$21,904	$23,602	$25,312	$26,390		6.59%	<-IRR #YR->	5	Revenue	37.59%
Revenue per Share	$15.51	$16.01	$16.85	$17.44	$18.93	$18.53	$20.14	$20.90	$20.96	$22.20	$24.10	$25.05	$27.17	$28.90	$30.31	$28.89		5.68%	<-IRR #YR->	10	5 yr Running Average	73.72%
Increase	1.45%	3.20%	5.23%	3.52%	8.57%	-2.13%	8.68%	3.77%	0.31%	5.91%	8.56%	3.95%	8.48%	6.35%	4.89%	-4.68%		6.06%	<-IRR #YR->	5	5 yr Running Average	34.19%
5 year Running Average	$12.80	$15.03	$15.81	$16.22	$16.95	$17.55	$18.38	$19.19	$19.89	$20.54	$21.66	$22.64	$23.90	$25.48	$27.11	$28.07		4.90%	<-IRR #YR->	10	Revenue per Share	61.31%
P/S (Price/Sales) Med	2.37	2.54	2.86	2.77	2.48	2.74	2.92	2.37	2.19	2.83	2.93	2.25	2.53	3.17	0.00	0.00		5.40%	<-IRR #YR->	5	Revenue per Share	30.05%
P/S (Price/Sales) Close	2.53	2.77	3.05	2.88	2.65	3.06	2.82	2.69	2.37	3.38	3.43	1.95	3.21	3.13	2.99	3.13		4.22%	<-IRR #YR->	10	5 yr Running Average	51.15%
*Revenue in M CDN $					P/S Med	20 yr	2.52	15 yr	2.53	10 yr	2.63	5 yr	2.53		18.98%	Diff M/C		4.49%	<-IRR #YR->	5	5 yr Running Average	24.54%
			-$13,376	$0	$0	$0	$0	$0	$0	$0	$0	$0	$25,606
								-$18,611	$0	$0	$0	$0	$25,606
			-$12,608	$0	$0	$0	$0	$0	$0	$0	$0	$0	$21,904
								-$16,323	$0	$0	$0	$0	$21,904
			-$16.85	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$27.17
								-$20.90	$0.00	$0.00	$0.00	$0.00	$27.17
			-$15.81	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$23.90
								-$19.19	$0.00	$0.00	$0.00	$0.00	$23.90
														$7.53	<-12 mths	1.76%
NCI	$8	-$3	-$3	$14	$20	$19	$17	$25	$2	$17	$23	$38	$0					100.00%	<-Total Growth	10	NCI
Calc AESP Diluted	$3.78	$4.22	$4.37	$4.65	$5.04	$5.47	$6.01	$5.96	$4.85	$7.23	$7.05	$6.72	$7.44
Calculated Adjusted profit	$3,225	$3,471	$3,562	$3,760	$4,046	$4,595	$5,433	$5,310	$4,326	$6,510	$6,385	$6,157	$6,969					95.65%	<-Total Growth	10	Calculated Adjusted profit
Adjusted Profit CDN$	$3,224	$3,472	$3,563	$3,761	$4,046	$4,594	$5,430	$5,419	$4,445	$6,670	$6,555	$6,461	$7,272					104.10%	<-Total Growth	10	Adjusted Profit CDN$
NCI	$8	-$3	-$3	$14	$20	$19						$38	$0					100.00%	<-Total Growth	5	NCI
Preferred Shares etc	$158	$87	$87	$45	$38	$52	$89	$111	$122	$158	$171	$267	$263					202.30%	<-Total Growth	10	Preferred Shares etc
Adjusted Profit Shareholders	$3,058	$3,388	$3,479	$3,702	$3,988	$4,523	$5,341	$5,308	$4,323	$6,512	$6,384	$6,156	$7,009					101.47%	<-Total Growth	10	Adjusted Profit Shareholders
Return on ROE	20.17%	20.48%	19.78%	18.18%	17.75%	15.47%	16.34%	14.92%	11.50%	15.76%	14.11%	12.81%	13.03%					15.20%	<-Median->	10	Return on ROE
5Yr Median	19.69%	19.69%	19.78%	19.78%	19.78%	18.18%	17.75%	16.34%	15.47%	15.47%	14.92%	14.11%	13.03%					15.90%	<-Median->	10	5Yr Median
Basic	$3.99	$4.33	$4.48	$4.73	$5.12	$5.57	$6.13	$6.10	$4.99	$7.43	$7.26	$7.06	$7.74					72.79%	<-Total Growth	10	AEPS
Pre-split 2022	$7.98	$8.65	$8.94	$9.45	$10.22	$11.11	$12.21	$11.92	$9.69
AEPS* Dilued	$3.99	$4.33	$4.47	$4.73	$5.11	$5.56	$6.11	$5.96	$4.85	$7.23	$7.05	$6.72	$7.40	$7.79	$8.45	$8.15		65.55%	<-Total Growth	10	AEPS
Increase	5.42%	8.40%	3.35%	5.70%	8.15%	8.71%	9.99%	-2.45%	-18.62%	49.07%	-2.49%	-4.68%	10.12%	5.27%	8.47%	-3.55%		10	0	10	Years of Data, EPS P or N	100.00%
5 year Running Average	$3.46	$3.64	$3.95	$4.26	$4.52	$4.84	$5.19	$5.49	$5.52	$5.94	$6.24	$6.36	$6.65	$7.24	$7.48	$7.70		5.17%	<-IRR #YR->	10	AEPS	65.55%
AEPS Yield	10.16%	9.75%	8.69%	9.42%	10.17%	9.78%	10.75%	10.61%	9.76%	9.63%	8.52%	13.74%	8.50%	8.60%	9.33%	9.00%		4.42%	<-IRR #YR->	5	AEPS	24.16%
Payout Ratio	45.61%	43.93%	44.07%	45.19%	46.48%	45.72%	43.54%	46.98%	60.00%	40.39%	46.67%	51.19%	48.65%	49.81%	45.92%	47.61%		5.34%	<-IRR #YR->	10	5 yr Running Average	68.23%
5 year Running Average	51.50%	50.05%	46.89%	45.03%	45.06%	45.08%	45.00%	45.58%	48.54%	47.33%	47.51%	49.04%	49.38%	47.34%	48.45%	48.63%		3.90%	<-IRR #YR->	5	5 yr Running Average	21.09%
Price/AEPS Median	9.21	9.41	10.77	10.22	9.19	9.14	9.61	8.32	9.45	8.70	10.02	8.40	9.27	11.76	0.00	0.00		9.23	<-Median->	10	Price/AEPS Median
Price/AEPS High	9.84	10.25	11.97	11.34	10.22	10.79	10.18	9.75	11.93	10.47	11.80	9.64	11.90	12.24	0.00	0.00		10.63	<-Median->	10	Price/AEPS High
Price/AEPS Low	8.58	8.57	9.56	9.10	8.15	7.50	9.04	6.90	6.97	6.93	8.23	7.17	6.65	11.28	0.00	0.00		7.33	<-Median->	10	Price/AEPS Low
Price/AEPS Close	9.84	10.25	11.51	10.61	9.83	10.22	9.30	9.42	10.25	10.39	11.73	7.28	11.77	11.62	10.72	11.11		10.23	<-Median->	10	Price/AEPS Close
Trailing P/AEPS Close	10.38	11.12	11.89	11.22	10.63	11.11	10.23	9.19	8.34	15.48	11.44	6.94	12.96	12.24	11.62	10.72		10.87	<-Median->	10	Trailing P/AEPS Close
Median Values		DPR	10 Yrs	46.57%	5 Yrs	48.65%	P/CF	5 Yrs	in order	9.27	11.80	6.97	10.39		25.33%	Diff M/C					DPR 75% to 95% best
* Adjusted Earnings per Share
			-$4.47	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$7.40
								-$5.96	$0.00	$0.00	$0.00	$0.00	$7.40
			-$3.95	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$6.65
								-$5.49	$0.00	$0.00	$0.00	$0.00	$6.65
														$7.41	<-12 mths	1.79%
Difference Basic and Diluted	0.13%	0.12%	0.13%	0.22%	0.19%	0.18%	0.34%	0.27%	0.12%	0.29%	0.30%	0.00%	0.14%					0.21%	<-Median->	10	Difference Basic and Diluted
Pre-split 2022	$7.86	$8.24	$7.87	$8.89	$10.72	$11.26	$11.69	$11.22	$8.23	$13.97
EPS Basic	$3.93	$4.12	$3.94	$4.45	$5.36	$5.63	$5.85	$5.61	$4.12	$6.99	$6.70	$5.16	$7.29					85.26%	<-Total Growth	10	EPS Basic
Pre-split 1997
Pre-split 2022	$7.85	$8.23	$7.86	$8.87	$10.70	$11.24	$11.65	$11.19	$8.22	$13.93
EPS Diluted*	$3.93	$4.12	$3.93	$4.44	$5.35	$5.62	$5.83	$5.60	$4.11	$6.97	$6.68	$5.16	$7.28	$7.58	$8.20	$8.52		85.24%	<-Total Growth	10	EPS Diluted
Increase	7.39%	4.84%	-4.50%	12.85%	20.63%	5.05%	3.65%	-3.95%	-26.54%	69.46%	-4.09%	-22.75%	41.09%	4.15%	8.10%	3.95%		10	0	10	Years of Data, EPS P or N	100.00%
Earnings Yield	9.99%	9.28%	7.64%	8.85%	10.65%	9.90%	10.25%	9.96%	8.27%	9.28%	8.08%	10.55%	8.36%	8.37%	9.05%	9.41%		6.36%	<-IRR #YR->	10	Earnings per Share	85.24%
5 year Running Average	$1.78	$3.19	$3.71	$4.01	$4.35	$4.69	$5.03	$5.37	$5.30	$5.62	$5.84	$5.70	$6.04	$6.73	$6.98	$7.35		5.41%	<-IRR #YR->	5	Earnings per Share	30.12%
10 year Running Average	$2.23	$2.39	$2.50	$2.97	$3.13	$3.23	$4.11	$4.54	$4.66	$4.99	$5.26	$5.37	$5.70	$6.02	$6.30	$6.59		4.99%	<-IRR #YR->	10	5 yr Running Average	62.69%
* Diluted ESP per share									E/P	10 Yrs	9.59%	5Yrs	8.36%					2.40%	<-IRR #YR->	5	5 yr Running Average	12.56%
			-$3.93	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$7.28
								-$5.60	$0.00	$0.00	$0.00	$0.00	$7.28
			-$3.71	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$6.04
								-$5.37	$0.00	$0.00	$0.00	$0.00	$6.04
Dividend*														$3.86	$4.08	$4.35			Estimates		Dividend*
Increase														7.31%	5.57%	6.55%			Estimates		Increase
Payout Ratio EPS														50.95%	49.76%	51.00%			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
Pre-split 1986
Pre-split 1997
Pre-split 2022	$3.64	$3.80	$3.94	$4.27	$4.75	$5.08	$5.32	$5.60	$5.82	$5.84
Dividend*	$1.82	$1.90	$1.97	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$3.60	$3.88	$3.88	$3.88		82.74%	<-Total Growth	10	Dividends
Increase	3.70%	4.40%	3.68%	8.38%	11.24%	6.95%	4.72%	5.26%	3.93%	0.34%	12.67%	4.56%	4.65%	7.78%	0.00%	0.00%		31	0	41	Years of data, Count P, N	75.61%
Average Increases 5 Year Running	3.29%	1.79%	2.53%	4.20%	6.28%	6.93%	6.99%	7.31%	6.42%	4.24%	5.39%	5.35%	5.23%	6.00%	5.93%	3.40%		5.83%	<-Median->	10	Average Incr 5 Year Running
Dividends 5 Yr Running	$1.76	$1.79	$1.84	$1.92	$2.04	$2.18	$2.34	$2.50	$2.66	$2.77	$2.92	$3.07	$3.23	$3.43	$3.62	$3.74		75.94%	<-Total Growth	10	Dividends 5 Yr Running
Yield H/L Price	4.95%	4.67%	4.09%	4.42%	5.06%	5.00%	4.53%	5.65%	6.35%	4.64%	4.66%	6.09%	5.25%	4.23%				5.03%	<-Median->	10	Yield H/L Price	Item
Yield on High  Price	4.63%	4.28%	3.68%	3.98%	4.55%	4.24%	4.28%	4.82%	5.03%	3.86%	3.95%	5.31%	4.09%	4.07%				4.26%	<-Median->	10	Yield on High  Price	EPS
Yield on Low Price	5.32%	5.13%	4.61%	4.97%	5.70%	6.10%	4.81%	6.81%	8.61%	5.83%	5.67%	7.14%	7.31%	4.42%				5.96%	<-Median->	10	Yield on Low Price	AEPS
Yield on Close Price	4.63%	4.28%	3.83%	4.26%	4.73%	4.47%	4.68%	4.99%	5.86%	3.89%	3.98%	7.03%	4.13%	4.28%	4.28%	4.28%		4.58%	<-Median->	10	Yield on Close Price	CFPS
Payout Ratio EPS	46.37%	46.17%	50.13%	48.14%	44.39%	45.20%	45.67%	50.04%	70.80%	41.92%	49.25%	66.67%	49.45%	51.17%	47.34%	45.54%		48.70%	<-Median->	10	DPR EPS	FCF
DPR EPS 5 Yr Running	98.88%	56.13%	49.49%	47.76%	46.89%	46.57%	46.42%	46.64%	50.13%	49.19%	49.97%	53.88%	53.52%	50.88%	51.84%	50.85%		48.47%	<-Median->	10	DPR EPS 5 Yr Running
Payout Ratio CFPS	90.88%	29.25%	-9.44%	8.71%	18.47%	90.83%	23.88%	13.38%	4.32%	-79.02%	13.12%	26.35%	30.59%	32.97%	#VALUE!	#DIV/0!		15.93%	<-Median->	10	DPR CF
DPR CF 5 Yr Running	38.12%	30.88%	-37.74%	92.69%	40.79%	42.33%	38.36%	17.32%	11.54%	14.03%	12.06%	12.51%	14.22%	29.55%	#VALUE!	#DIV/0!		15.77%	<-Median->	10	DPR CF 5 Yr Running
Payout Ratio CFPS WC	37.33%	43.45%	45.26%	45.73%	47.41%	44.92%	41.08%	42.65%	63.06%	31.46%	48.58%	40.44%	54.08%	58.28%	#VALUE!	#DIV/0!		45.32%	<-Median->	10	DPR CF WC
DPR CF WC 5 Yr Running	75.31%	44.41%	40.31%	40.80%	43.82%	45.39%	44.65%	44.09%	46.91%	42.44%	43.25%	42.98%	45.10%	45.23%	#VALUE!	#DIV/0!		43.95%	<-Median->	10	DPR CF WC 5 Yr Running
Median Values	10 Yr Med	10 Yr Cl	5.03%	4.58%	5 Yr Med	5 Yr Cl	5.25%	4.13%	5 Yr Med	Payout	49.45%	13.12%	48.58%					5.15%	<-IRR #YR->	5	Dividends	28.57%
* Dividends per share	10 Yr Med	and Cur.	-14.81%	-6.37%	5 Yr Med	and Cur.	-18.31%	3.68%	Last Div Inc --->		$0.90	$0.97	7.78%					6.21%	<-IRR #YR->	10	Dividends	82.74%
Dividends Growth 15																		4.97%	<-IRR #YR->	15	Dividends Growth 15	106.90%
Dividends Growth 20																		6.11%	<-IRR #YR->	20	Dividends Growth 20	227.27%
Dividends Growth 25																		7.43%	<-IRR #YR->	25	Dividends Growth 25	500.00%
Dividends Growth 30																		8.29%	<-IRR #YR->	30	Dividends Growth 30	990.91%
Dividends Growth 35																		7.26%	<-IRR #YR->	35	Dividends Growth 35	1061.29%
Dividends Growth 40																		6.79%	<-IRR #YR->	40	Dividends Growth 40	1284.62%
Dividends Growth 45																		6.62%	<-IRR #YR->	41	Dividends Growth 45
Dividends Growth 5								-$2.80	$0.00	$0.00	$0.00	$0.00	$3.60								Dividends Growth 5
Dividends Growth 10			-$1.97	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$3.60								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	$3.60								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	$3.60								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	$3.60								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	$3.60								Dividends Growth 30
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	$3.60								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	$3.60								Dividends Growth 40
Dividends Growth 45	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$3.60								Dividends Growth 45
Historical Dividends	Historical	High Div	8.13%	Low Div	2.60%	10 Yr High	8.48%	10 Yr Low	3.73%	Med Div	4.63%	Close Div	4.27%								Historical Dividends
High/Ave/Median Values	Curr diff	Exp.	-47.29%	Cheap	64.80%	Exp.	-49.47%		14.88%	Exp.	-7.45%	Cheap	0.44%								High/Ave/Median
Historical Dividends 1988	Historical	High Div	7.18%	Low Div	2.55%	10 Yr High	8.48%	10 Yr Low	3.73%	Med Div	4.53%	Close Div	4.13%								Historical Dividends 1988
High/Ave/Median Values	Curr diff	Exp.	-40.32%	Cheap	68.04%	Exp.	-49.47%		14.88%	Exp.	-5.41%	Cheap	3.68%								High/Ave/Median
Future Div Yield					Div Yd	5.51%	earning in	5	Years	at IRR of	5.15%	Div Inc.	28.57%								Future Dividend Yield
Future Div Yield					Div Yd	7.08%	earning in	10	Years	at IRR of	5.15%	Div Inc.	65.31%								Future Dividend Yield
Future Div Yield					Div Yd	9.11%	earning in	15	Years	at IRR of	5.15%	Div Inc.	112.54%								Future Dividend Yield
Future Dividend Paid					Div Paid	$4.99	earning in	5	Years	at IRR of	5.15%	Div Inc.	28.57%								Future Dividend Paid
Future Dividend Paid					Div Paid	$6.41	earning in	10	Years	at IRR of	5.15%	Div Inc.	65.31%								Future Dividend Paid
Future Dividend Paid					Div Paid	$8.25	earning in	15	Years	at IRR of	5.15%	Div Inc.	112.54%								Future Dividend Paid
Dividend Covering Cost					Total Div	$21.51	over	5	Years	at IRR of	5.15%	Div Cov.	23.75%								Dividend Covering Cost
Dividend Covering Cost					Total Div	$44.17	over	10	Years	at IRR of	5.15%	Div Cov.	48.78%								Dividend Covering Cost
Dividend Covering Cost					Total Div	$73.30	over	15	Years	at IRR of	5.15%	Div Cov.	80.95%								Dividend Covering Cost
Yield if held 5 years	3.76%	5.11%	7.41%	6.04%	6.20%	6.91%	6.54%	5.82%	6.03%	6.22%	6.48%	5.86%	7.26%	8.46%	6.17%	5.49%		6.21%	<-Median->	10	Paid Median Price
Yield if held 10 years	7.92%	7.57%	5.91%	5.74%	5.91%	5.24%	7.15%	10.53%	8.23%	7.62%	8.95%	8.45%	7.48%	8.03%	8.26%	7.64%		7.55%	<-Median->	10	Paid Median Price
Yield if held 15 years	10.66%	9.03%	11.16%	10.54%	9.48%	11.05%	10.59%	8.41%	7.83%	7.27%	6.79%	9.25%	13.53%	10.97%	10.12%	10.56%		9.36%	<-Median->	10	Paid Median Price
Yield if held 20 years	23.43%	26.54%	24.53%	25.01%	20.52%	14.88%	12.64%	15.86%	14.37%	11.66%	14.31%	13.70%	10.81%	10.43%	9.65%	8.01%		14.34%	<-Median->	10	Paid Median Price
Yield if held 25 years	33.96%	35.55%	28.52%	30.90%	34.77%	32.70%	37.15%	34.86%	34.09%	25.23%	19.27%	16.34%	20.40%	19.16%	15.49%	16.88%		31.80%	<-Median->	10	Paid Median Price
Yield if held 30 years		46.84%	57.69%	51.45%	49.03%	47.39%	49.77%	40.54%	42.11%	42.75%	42.36%	48.04%	44.82%	45.46%	33.52%	22.72%		46.10%	<-Median->	10	Paid Median Price
Yield if held 35 years							65.58%	81.99%	70.12%	60.28%	61.38%	64.36%	52.12%	56.15%	56.81%	49.95%		64.36%	<-Median->	7	Paid Median Price
Yield if held 40 years												84.81%	105.42%	93.49%	80.10%	72.39%		95.11%	<-Median->	2	Paid Median Price
Cost covered if held 5 years	18.16%	24.07%	34.53%	27.09%	26.61%	29.72%	28.70%	25.99%	27.51%	29.46%	28.71%	26.16%	32.58%	37.37%	28.77%	26.45%		28.10%	<-Median->	10	Paid Median Price
Cost covered if held 10 years	65.16%	63.95%	50.82%	47.69%	46.60%	40.70%	55.47%	81.56%	64.65%	62.69%	69.39%	66.44%	59.57%	62.98%	67.99%	65.49%		61.13%	<-Median->	10	Paid Median Price
Cost covered if held 15 years	107.44%	93.33%	119.07%	111.14%	96.45%	112.66%	110.46%	88.38%	83.42%	81.01%	70.80%	96.75%	142.31%	113.09%	109.88%	120.23%		96.60%	<-Median->	10	Paid Median Price
Cost covered if held 20 years	261.67%	305.80%	293.00%	296.43%	235.42%	171.39%	148.81%	189.94%	176.74%	151.66%	176.08%	171.63%	136.89%	129.48%	126.02%	109.37%		173.85%	<-Median->	10	Paid Median Price
Cost covered if held 25 years	408.77%	440.13%	364.60%	390.59%	425.11%	402.25%	468.92%	448.74%	452.08%	354.90%	256.78%	221.78%	281.50%	261.33%	223.87%	257.33%		396.42%	<-Median->	10	Paid Median Price
Cost covered if held 30 years		613.50%	778.77%	686.02%	631.23%	612.50%	658.65%	545.71%	582.85%	627.60%	589.96%	683.45%	649.92%	652.78%	511.19%	366.18%		629.41%	<-Median->	10	Paid Median Price
Cost covered if held 35 years							901.45%	1145.10%	1006.14%	916.75%	884.51%	946.02%	779.66%	830.75%	892.46%	830.45%		916.75%	<-Median->	7	Paid Median Price
Cost covered if held 40 years												1286.53%	1625.92%	1425.18%	1295.79%	1238.34%		1456.22%	<-Median->	2	Paid Median Price
																				Yr	Item	Tot. Growth
Revenue Growth								$18,611	$18,741	$20,015	$21,833	$23,323	$25,606	$26,183	<-12 mths	2.25%		37.59%	<-Total Growth	5	Revenue Growth	37.59%
AEPS Growth								$5.96	$4.85	$7.23	$7.05	$6.72	$7.40	$7.53	<-12 mths	1.76%		24.16%	<-Total Growth	5	AEPS Growth	24.16%
Net Income Growth								$4,985	$3,668	$6,271	$6,049	$4,728	$6,852	$7,272	<-12 mths	6.13%		37.45%	<-Total Growth	5	Net Income Growth	37.45%
Cash Flow Growth								$18,635	$60,295	-$3,332	$22,715	$12,154	$11,088					-40.50%	<-Total Growth	5	Cash Flow Growth	-40.50%
Dividend Growth								$2.80	$2.91	$2.92	$3.29	$3.44	$3.60	$3.88	<-12 mths	7.78%		28.57%	<-Total Growth	5	Dividend Growth	28.57%
Stock Price Growth								$56.16	$49.69	$75.09	$82.72	$48.91	$87.11	$90.55	<-12 mths	3.95%		55.12%	<-Total Growth	5	Stock Price Growth	55.12%
Revenue Growth			$13,376	$13,856	$15,035	$16,280	$17,834	$18,611	$18,741	$20,015	$21,833	$23,323	$25,606	$27,232	<-this year	6.35%		91.43%	<-Total Growth	10	Revenue Growth	91.43%
AEPS Growth			$4.47	$4.73	$5.11	$5.56	$6.11	$5.96	$4.85	$7.23	$7.05	$6.72	$7.40	$7.79	<-this year	5.27%		65.55%	<-Total Growth	10	AEPS Growth	65.55%
Net Income Growth			$3,131	$3,531	$4,237	$4,647	$5,178	$4,985	$3,668	$6,271	$6,049	$4,728	$6,852	$6,671	<-this year	-2.64%		118.84%	<-Total Growth	10	Net Income Growth	118.84%
Cash Flow Growth			-$16,571	$19,483	$10,211	$2,457	$9,867	$18,635	$60,295	-$3,332	$22,715	$12,154	$11,088					166.91%	<-Total Growth	10	Cash Flow Growth	166.91%
Dividend Growth			$1.97	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$3.60	$3.86	<-this year	7.31%		82.74%	<-Total Growth	10	Dividend Growth	82.74%
Stock Price Growth			$51.45	$50.14	$50.25	$56.78	$56.84	$56.16	$49.69	$75.09	$82.72	$48.91	$87.11	$98.61	<-this year	13.20%		69.33%	<-Total Growth	10	Stock Price Growth	69.33%
Dividends on Shares	$491.40	$513.00	$531.90	$576.45	$641.25	$685.80	$718.20	$756.00	$785.70	$788.40	$888.30	$928.80	$972.00	$1,047.60	$1,047.60	$1,047.60		$14,921.55	No of Years	40	Total Dividends	10/31/83
Paid	$10,795.95	$12,247.20	$13,478.40	$12,310.65	$14,790.60	$16,542.90	$13,726.80	$14,588.10	$14,677.20	$19,905.75	$14,787.90	$17,226.00	$24,551.10	$24,448.50	$24,448.50	$24,448.50		$24,448.50	No of Years	40	Worth	$3.71
																		$39,370.05
Dividends on Shares	$216.58	$226.10	$234.43	$254.07	$282.63	$302.26	$316.54	$333.20	$346.29	$347.48	$391.51	$409.36	$428.40	$461.72	$461.72	$461.72		$6,212.40	No of Years	30	Total Dividends	12/31/94
Paid	$4,758.22	$5,397.84	$5,940.48	$5,425.81	$6,518.82	$7,291.13	$6,049.96	$6,429.57	$6,468.84	$8,773.28	$6,517.63	$7,592.20	$10,820.67	$10,775.45	$10,775.45	$10,775.45		$10,775.45	No of Years	30	Worth	$8.47
																		$16,987.85
Dividends on Shares				$44.84	$49.88	$53.34	$55.86	$58.80	$61.11	$61.32	$69.09	$72.24	$75.60	$81.48	$81.48	$81.48		$602.07	No of Years	10	Total Dividends	12/31/14
Paid			$1,048.32	$957.50	$1,150.38	$1,286.67	$1,067.64	$1,134.63	$1,141.56	$1,548.23	$1,150.17	$1,339.80	$1,909.53	$1,901.55	$1,901.55	$1,901.55		$1,901.55	No of Years	10	Worth	$49.92
																		$2,503.62
Graham Number AEPS	$41.02	$44.90	$47.20	$52.19	$57.04	$64.49	$71.24	$73.18	$67.72	$86.34	$89.01	$88.34	$97.49	$100.03	$104.18	$102.31		106.55%	<-Total Growth	10	Graham Number AEPS
Increase	4.17%	9.48%	5.11%	10.58%	9.29%	13.07%	10.46%	2.73%	-7.46%	27.50%	3.09%	-0.76%	10.36%	2.60%				9.82%	<-Median->	10	Graham Price
Price/GP Ratio Med	0.90	0.91	1.02	0.93	0.82	0.79	0.82	0.68	0.68	0.73	0.79	0.64	0.70	0.92				0.76	<-Median->	10	Price/GP Ratio Med
Price/GP Ratio High	0.96	0.99	1.13	1.03	0.92	0.93	0.87	0.79	0.85	0.88	0.93	0.73	0.90	0.95				0.89	<-Median->	10	Price/GP Ratio High
Price/GP Ratio Low	0.83	0.83	0.91	0.82	0.73	0.65	0.78	0.56	0.50	0.58	0.65	0.55	0.50	0.88				0.61	<-Median->	10	Price/GP Ratio Low
Price/GP Ratio Close	0.96	0.99	1.09	0.96	0.88	0.88	0.80	0.77	0.73	0.87	0.93	0.55	0.89	0.91				0.88	<-Median->	10	Price/GP Ratio Close
Prem/Disc Close	-4.23%	-1.24%	9.00%	-3.93%	-11.90%	-11.96%	-20.21%	-23.26%	-26.63%	-13.04%	-7.08%	-44.63%	-10.65%	-9.47%	-13.08%	-11.50%		-12.50%	<-Median->	10	Graham Price
Graham Number EPS	$40.68	$43.80	$44.26	$50.57	$58.36	$64.87	$69.56	$70.90	$62.34	$84.75	$86.65	$77.41	$96.70	$98.68	$102.60	$104.61		118.49%	<-Total Growth	10	Graham Number EPS
Increase	5.14%	7.67%	1.04%	14.26%	15.42%	11.15%	7.23%	1.94%	-12.08%	35.94%	2.24%	-10.66%	24.91%	2.05%	3.97%	1.96%		9.19%	<-Median->	10	Graham Price
Price/GP Ratio Med	0.90	0.93	1.09	0.95	0.80	0.78	0.84	0.70	0.74	0.74	0.82	0.73	0.71	0.93				0.76	<-Median->	10	Price/GP Ratio Med
Price/GP Ratio High	0.97	1.01	1.21	1.06	0.89	0.92	0.89	0.82	0.93	0.89	0.96	0.84	0.91	0.97				0.90	<-Median->	10	Price/GP Ratio High
Price/GP Ratio Low	0.84	0.85	0.97	0.85	0.71	0.64	0.79	0.58	0.54	0.59	0.67	0.62	0.51	0.89				0.63	<-Median->	10	Price/GP Ratio Low
Price/GP Ratio Close	0.97	1.01	1.16	0.99	0.86	0.88	0.82	0.79	0.80	0.89	0.95	0.63	0.90	0.92	0.88	0.87		0.87	<-Median->	10	Price/GP Ratio Close
Prem/Disc Close	-3.44%	1.25%	16.24%	-0.84%	-13.90%	-12.47%	-18.28%	-20.80%	-20.29%	-11.40%	-4.54%	-36.82%	-9.91%	-8.24%	-11.74%	-13.44%		-13.18%	<-Median->	10	Graham Price
Month, Year	Dec-12	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		41.17	<Count Years>		Month, Year
Pre-split 1997
Pre-split 2022	$79.97	$90.72	$99.84	$91.19	$109.56	$122.54	$101.68	$108.06	$108.72	$147.45	$160.01
Price Close	$39.99	$45.36	$49.92	$45.60	$54.78	$61.27	$50.84	$54.03	$54.36	$73.73	$54.77	$63.80	$90.93	$90.55	$90.55	$90.55		82.15%	<-Total Growth	10	Stock Price
Increase	8.38%	13.44%	10.05%	-8.66%	20.14%	11.85%	-17.02%	6.27%	0.61%	35.62%	-25.71%	16.49%	42.52%	-0.42%	0.00%	0.00%		13.57	<-Median->	10	CAPE (10 Yr P/E)
P/E Ratio	10.19	11.02	12.70	10.28	10.24	10.90	8.73	9.66	13.23	10.59	8.20	12.36	12.49	11.94	11.05	10.63		10.97%	<-IRR #YR->	5	Stock Price	68.30%
Trailing P/E Ratio	10.94	11.56	12.13	11.60	12.35	11.45	9.05	9.28	9.72	17.94	7.86	9.55	17.62	12.44	11.94	11.05		6.18%	<-IRR #YR->	10	Stock Price	82.15%
CAPE (10 Yr P/E)	17.90	19.01	19.94	15.35	17.48	18.94	12.37	11.90	11.68	14.78	10.41	11.89	15.95	15.05	14.37	13.74		15.84%	<-IRR #YR->	5	Price & Dividend	103.39%
Median 10, 5 Yrs		D.  per yr	4.34%	4.87%	% Tot Ret	41.27%	30.74%	T P/E	10.58	9.72	P/E:	10.43	12.36					10.52%	<-IRR #YR->	10	Price & Dividend	143.53%
Price  15		D.  per yr	4.59%		% Tot Ret	40.43%						CAPE Diff	-12.02%					6.76%	<-IRR #YR->	15	Stock Price	166.85%
Price  20		D.  per yr	5.40%		% Tot Ret	41.64%												7.57%	<-IRR #YR->	20	Stock Price	330.64%
Price  25		D.  per yr	4.70%		% Tot Ret	40.60%												6.88%	<-IRR #YR->	25	Stock Price	427.13%
Price  30		D.  per yr	5.52%		% Tot Ret	40.12%												8.23%	<-IRR #YR->	30	Stock Price
Price  35		D.  per yr	4.89%		% Tot Ret	38.67%												7.76%	<-IRR #YR->	35	Stock Price
Price  40		D.  per yr	5.76%		% Tot Ret	40.86%												8.33%	<-IRR #YR->	40	Stock Price
Price  41		D.  per yr	5.39%		% Tot Ret	40.21%												8.01%	<-IRR #YR->	41	Stock Price
Price & Dividend 15																		11.35%	<-IRR #YR->	15	Price & Dividend	204.41%
Price & Dividend 20																		12.98%	<-IRR #YR->	20	Price & Dividend	391.24%
Price & Dividend 25																		11.57%	<-IRR #YR->	25	Price & Dividend	501.31%
Price & Dividend 30																		13.75%	<-IRR #YR->	30	Price & Dividend	921.43%
Price & Dividend 35																		12.65%	<-IRR #YR->	35	Price & Dividend
Price & Dividend 40																		14.08%	<-IRR #YR->	40	Price & Dividend
Price & Dividend 41																		13.40%	<-IRR #YR->	41	Price & Dividend
Price  5								-$54.03	$0.00	$0.00	$0.00	$0.00	$90.93								Price  5
Price 10			-$49.92	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$90.93								Price 10
Price & Dividend 5								-$54.03	$2.91	$2.92	$3.29	$3.44	$94.53								Price & Dividend 5
Price & Dividend 10			-$49.92	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$94.53								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	$90.93								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	$90.93								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	$90.93								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	$90.93								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	$90.93								Price  35
Price  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	$90.93								Price  40
Price  41	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$90.93								Price  41
Price & Dividend 15	$1.82	$1.90	$1.97	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$94.53								Price & Dividend 15
Price & Dividend 20	$1.82	$1.90	$1.97	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$94.53								Price & Dividend 20
Price & Dividend 25	$1.82	$1.90	$1.97	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$94.53								Price & Dividend 25
Price & Dividend 30	$1.82	$1.90	$1.97	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$94.53								Price & Dividend 30
Price & Dividend 35	$1.82	$1.90	$1.97	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$94.53								Price & Dividend 35
Price & Dividend 40	$1.82	$1.90	$1.97	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$94.53								Price & Dividend 40
Price & Dividend 41	$1.82	$1.90	$1.97	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$94.53								Price & Dividend 41
Month, Year	Oct-12	Oct-13	Oct-14	Oct-15	Oct-16	Oct-17	Oct-18	Oct-19	Oct-20	Oct-21	Oct-22	Oct-23	Oct-24	Oct-25	Oct-26	Oct-27		41.00	<Count Years>		Month, Year
Pre-split 2022	$78.56	$88.70	$102.89	$100.28	$100.50	$113.56	$113.68	$112.31	$99.38	$150.17
Price Close	$39.28	$44.35	$51.45	$50.14	$50.25	$56.78	$56.84	$56.16	$49.69	$75.09	$82.72	$48.91	$87.11	$90.55	$90.55	$90.55		69.33%	<-Total Growth	10	Stock Price
Increase	4.61%	12.91%	16.00%	-2.54%	0.22%	13.00%	0.11%	-1.21%	-11.51%	51.11%	10.16%	-40.87%	78.10%	3.95%	0.00%	0.00%		5.41%	<-IRR #YR->	10	Stock Price	69.33%
P/E Ratio	10.01	10.78	13.09	11.31	9.39	10.10	9.76	10.04	12.09	10.78	12.38	9.48	11.97	11.94	11.05	10.63		9.18%	<-IRR #YR->	5	Stock Price	55.12%
Trailing P/E Ratio	10.75	11.30	12.50	12.76	11.33	10.61	10.11	9.64	8.88	18.27	11.88	7.32	16.88	12.44	11.94	11.05		9.75%	<-IRR #YR->	10	Price & Dividend	88.46%
Median 10, 5 Yrs		D.  per yr	4.34%	4.83%	% Tot Ret	44.54%	34.47%	T P/E	10.97	11.88	P/E:	10.44	11.97					14.01%	<-IRR #YR->	5	Price & Dividend	64.83%
Historical Median
			-$51.45	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$87.11
								-$56.16	$0.00	$0.00	$0.00	$0.00	$87.11
			-$51.45	$2.14	$2.38	$2.54	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$90.71
								-$56.16	$2.91	$2.92	$3.29	$3.44	$90.71
Price H/L Median	$36.75	$40.70	$48.13	$48.29	$46.95	$50.79	$58.71	$49.60	$45.84	$62.88	$70.63	$56.47	$68.63	$91.63				42.61%	<-Total Growth	10	Stock Price
Increase	-4.13%	10.76%	18.24%	0.34%	-2.78%	8.18%	15.59%	-15.52%	-7.57%	37.17%	12.32%	-20.04%	21.53%	33.51%				3.61%	<-IRR #YR->	10	Stock Price	42.61%
P/E Ratio	9.36	9.89	12.25	10.89	8.78	9.04	10.08	8.86	11.15	9.03	10.57	10.94	9.43	12.09				6.71%	<-IRR #YR->	5	Stock Price	38.37%
Trailing P/E Ratio	10.05	10.37	11.70	12.29	10.59	9.49	10.45	8.51	8.19	15.30	10.14	8.45	13.30	12.59				9.39%	<-IRR #YR->	10	Price & Dividend	63.06%
P/E on Running 5 yr Average	20.66	12.75	12.96	12.04	10.79	10.83	11.67	9.24	8.65	11.18	12.10	9.90	11.36	13.61				12.42%	<-IRR #YR->	5	Price & Dividend	49.36%
P/E on Running 10 yr Average	16.45	17.05	19.23	16.26	14.98	15.70	14.28	10.93	9.85	12.61	13.42	10.52	12.04	15.23				9.72	P/E Ratio		Historical Median
Median 10, 5 Yrs		D.  per yr	5.78%	5.71%	% Tot Ret	61.52%	45.95%	T P/E	10.29	10.14	P/E:	9.75	10.57						Count	41	Years of data
			-$48.13	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$68.63
								-$49.60	$0.00	$0.00	$0.00	$0.00	$68.63
			-$48.13	$2.66	$2.80	$2.91	$2.92	$3.29	$3.44	$3.60	$3.88	$3.88	$72.23
								-$49.60	$2.91	$2.92	$3.29	$3.44	$72.23
High Months						Mar 17	Sep 18	Nov 18	Nov 19	Aug 21	Feb 22	Nov 22	Oct 24	Dec 24							High Months
Pre-split 1997
Pre-split 2022	$78.56	$88.70	$107.01	$107.16	$104.46	$119.83	$124.34	$116.19	$115.76	$151.36	$151.36	$151.36	$151.36
Price High	$39.28	$44.35	$53.51	$53.58	$52.23	$59.92	$62.17	$58.10	$57.88	$75.68	$83.22	$64.79	$88.04	$95.38				64.55%	<-Total Growth	10	Stock Price
Increase	-8.11%	12.91%	20.64%	0.14%	-2.52%	14.71%	3.76%	-6.55%	-0.37%	30.75%	9.96%	-22.15%	35.89%	8.34%				5.11%	<-IRR #YR->	10	Stock Price	64.55%
P/E Ratio	10.01	10.78	13.61	12.08	9.76	10.66	10.67	10.38	14.08	10.87	12.46	12.56	12.09	12.58				8.67%	<-IRR #YR->	5	Stock Price	51.54%
Trailing P/E Ratio	10.75	11.30	13.00	13.63	11.78	11.20	11.06	9.97	10.34	18.41	11.95	9.70	17.06	13.10				11.13	P/E Ratio		Historical Median
Median 10, 5 Yrs								T P/E	11.49	11.95	P/E:	11.47	12.46					13.77	P/E Ratio		Historical High
			-$53.51	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$88.04
								-$58.10	$0.00	$0.00	$0.00	$0.00	$88.04
Low Months						Feb 17	Apr 18	Aug 19	Mar 20	Nov 20	Oct 22	Oct 23	Nov 23	Nov 24							Low Months
Pre-split 1997
Pre-split 2022	$68.43	$74.10	$85.49	$86.00	$83.33	$83.33	$110.50	$82.20	$67.61	$100.16
Price Low	$34.22	$37.05	$42.75	$43.00	$41.67	$41.67	$55.25	$41.10	$33.81	$50.08	$58.03	$48.15	$49.22	$87.88				15.15%	<-Total Growth	10	Stock Price
Increase	0.87%	8.29%	15.37%	0.60%	-3.10%	0.00%	32.61%	-25.61%	-17.75%	48.14%	15.87%	-17.03%	2.22%	78.55%				1.42%	<-IRR #YR->	10	Stock Price	15.15%
P/E Ratio	8.72	9.00	10.88	9.70	7.79	7.41	9.48	7.35	8.23	7.19	8.69	9.33	6.76	11.59				3.67%	<-IRR #YR->	5	Stock Price	19.76%
Trailing P/E Ratio	9.36	9.44	10.39	10.94	9.39	7.79	9.83	7.06	6.04	12.18	8.33	7.21	9.54	12.07				8.09	P/E Ratio		Historical Median
Median 10, 5 Yrs								T P/E	8.86	8.33	P/E:	8.01	8.23					5.92	P/E Ratio		Historical Low
			-$42.75	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$49.22
								-$41.10	$0.00	$0.00	$0.00	$0.00	$49.22
Free Cash Flow MS OLD				$18,227	$10,041	$2,457	$9,812	$18,363	$59,990	-$4,170	$21,610	$11,140									Free Cash Flow MS OLD
Change					-44.91%	-75.53%	299.35%	87.15%	226.69%	-106.95%	618.23%	-48.45%									Change
Free Cash Flow MS	$1,000	$5,000	-$17,000	$4,090	$4,790	$5,650	$6,390	$6,830	$6,300	$760	$6,050	$8,830	$7,140					142.00%	<-Total Growth	10	Free Cash Flow
Change	-80.00%	400.00%	-440.00%	124.06%	17.11%	17.95%	13.10%	6.89%	-7.76%	-87.94%	696.05%	45.95%	-19.14%					0.89%	<-IRR #YR->	5	Free Cash Flow MS	4.54%
FCF/CF from Op Ratio	0.62	0.96	1.03	0.21	0.47	2.30	0.65	0.37	0.10	-0.23	0.27	0.73	0.64					#NUM!	<-IRR #YR->	10	Free Cash Flow MS	142.00%
Dividends paid	$1,598	$1,622	$1,654	$1,753	$1,917	$1,425	$2,109	$2,406	$2,571	$2,649	$2,972	$2,261	$2,947					78.17%	<-Total Growth	10	Dividends paid
Percentage paid	159.80%	32.44%	-9.73%	42.86%	40.02%	25.22%	33.00%	35.23%	40.81%	348.55%	49.12%	25.61%	41.27%					$0.40	<-Median->	10	Percentage paid
5 Year Coverage			-56.78%	-428.43%	-403.02%	330.87%	225.97%	34.63%	34.81%	43.04%	48.26%	44.70%	46.08%								5 Year Coverage
Dividend Coverage Ratio	0.63	3.08	-10.28	2.33	2.50	3.96	3.03	2.84	2.45	0.29	2.04	3.91	2.42					2.47	<-Median->	10	Dividend Coverage Ratio
5 Year of Coverage							0.44	2.89	2.87	2.32	2.07	2.24	2.17								5 Year of Coverage
								-$6,830	$0	$0	$0	$0	$7,140
			$17,000	$0	$0	$0	$0	$0	$0	$0	$0	$0	$7,140
Free Cash Flow WSJ						$7,670	-$24,908	-$30,316	$4,946	$16,226	$17,967	$27,376	$9,135					19.10%	<-Total Growth	7	Free Cash Flow
Change							-424.75%	-21.71%	116.31%	228.06%	10.73%	52.37%	-66.63%					#NUM!	<-IRR #YR->	5	Free Cash Flow MS
FCF/CF from Op Ratio						3.12	-2.52	-1.63	0.08	-4.87	0.79	2.25	0.82					2.53%	<-IRR #YR->	7	Free Cash Flow MS	#DIV/0!
Dividends paid						$1,425	$2,109	$2,406	$2,571	$2,649	$2,972	$2,261	$2,947					106.81%	<-Total Growth	7	Dividends paid
Percentage paid						18.58%	-8.47%	-7.94%	51.98%	16.33%	16.54%	8.26%	32.26%					$0.16	<-Median->	8	Percentage paid
5 Year Coverage						18.58%	-20.50%	-12.49%	-19.98%	-42.30%	-79.00%	35.52%	17.71%								5 Year Coverage
Dividend Coverage Ratio						5.38	-11.81	-12.60	1.92	6.13	6.05	12.11	3.10					4.24	<-Median->	8	Dividend Coverage Ratio
5 Year of Coverage							-4.88	-8.01	-5.01	-2.36	-1.27	2.82	5.65								5 Year of Coverage
								$30,316	$0	$0	$0	$0	$9,135
						-$7,670	$0	$0	$0	$0	$0	$0	$9,135
Market Cap	$31,776	$35,413	$40,850	$39,840	$39,906	$49,888	$50,341	$50,016	$44,431	$67,701	$74,943	$45,540	$82,083	$85,325	$85,325	$85,325		100.94%	<-Total Growth	10	Market Cap
Pre-split 2022	404.145	401.261	398.420	397.832	395.919	413.563	444.627	445.457	446.021	450.183
Diluted # of Shares in Million	808.290	802.522	796.840	795.664	791.838	827.126	889.254	890.914	892.042	900.366	905.684	916.233	941.712	941.712				18.18%	<-Total Growth	10	Diluted
Change	1.77%	-0.71%	-0.71%	-0.15%	-0.48%	4.46%	7.51%	0.19%	0.13%	0.93%	0.59%	1.16%	2.78%	0.00%				1.68%	<-IRR #YR->	10	Diluted
Difference Diluted/Basic	-0.11%	-0.09%	-0.20%	-0.16%	-0.13%	-0.22%	-0.35%	-0.25%	-0.13%	-0.27%	-0.26%	-0.07%	-0.25%	-0.25%				1.12%	<-IRR #YR->	5	Diluted
			-796.8	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	941.7
								-890.9	0.0	0.0	0.0	0.0	941.7
Pre-split 2022	403.685	400.880	397.620	397.213	395.389	412.636	443.082	444.324	445.435	448.953
Average # of Shares in Million	807.370	801.760	795.240	794.426	790.778	825.272	886.164	888.648	890.870	897.906	903.312	915.631	939.352	939.352				18.12%	<-Total Growth	10	Average
Change	1.88%	-0.69%	-0.81%	-0.10%	-0.46%	4.36%	7.38%	0.28%	0.25%	0.79%	0.60%	1.36%	2.59%	0.00%				0.70%	<-Median->	10	Change	418.57%
Difference Basic/Outstanding	0.20%	-0.41%	-0.15%	0.02%	0.43%	6.47%	-0.06%	0.23%	0.37%	0.42%	0.30%	1.69%	0.31%	0.31%				0.34%	<-Median->	10	Difference Basic/Outstanding	824.22%
Pre-split 2022	404.485	399.250	397.021	397.291	397.070	439.313	442.826	445.342	447.085	450.828
# of Share in Millions	808.970	798.499	794.043	794.582	794.141	878.627	885.653	890.683	894.171	901.656	906.040	931.099	942.295	942.295	942.295	942.295		1.73%	<-IRR #YR->	10	Shares	Common
Increase	0.99%	-1.29%	-0.56%	0.07%	-0.06%	10.64%	0.80%	0.57%	0.39%	0.84%	0.49%	2.77%	1.20%	0.00%	0.00%	0.00%		1.13%	<-IRR #YR->	5	Shares	Shares
CF fr Op $Millon	$1,620	$5,186	-$16,571	$19,483	$10,211	$2,457	$9,867	$18,635	$60,295	-$3,332	$22,715	$12,154	$11,088	$11,088	<-12 mths			166.91%	<-Total Growth	10	Cash Flow
Increase	211.57%	220.12%	-419.53%	217.57%	-47.59%	-75.94%	301.59%	88.86%	223.56%	-105.53%	781.72%	-46.49%	-8.77%	0.00%	<-12 mths			SO	Share Iss		Buy Back
5 year Running Average	$3,512.2	$4,462.6	-$3,838.6	$1,653.2	$3,985.8	$4,153.2	$5,089.4	$12,130.6	$20,293.0	$17,584.4	$21,636.0	$22,093.4	$20,584.0	$10,742.6	<-12 mths			636.24%	<-Total Growth	10	CF 5 Yr Running
CFPS	$2.00	$6.49	-$20.87	$24.52	$12.86	$2.80	$11.14	$20.92	$67.43	-$3.70	$25.07	$13.05	$11.77	$11.77	<-12 mths			156.38%	<-Total Growth	10	Cash Flow per Share
Increase	210.48%	224.32%	-421.33%	217.49%	-47.56%	-78.25%	298.40%	87.80%	222.30%	-105.48%	778.42%	-47.93%	-9.85%	0.00%	<-12 mths			#NUM!	<-IRR #YR->	10	Cash Flow	166.91%
5 year Running Average	$4.61	$5.80	-$4.87	$2.07	$5.00	$5.16	$6.09	$14.45	$23.03	$19.72	$24.17	$24.56	$22.73	$11.59	<-12 mths			-9.86%	<-IRR #YR->	5	Cash Flow	-40.50%
P/CF on Med Price	18.35	6.27	-2.31	1.97	3.65	18.16	5.27	2.37	0.68	-17.02	2.82	4.33	5.83	7.79	<-12 mths			#NUM!	<-IRR #YR->	10	Cash Flow per Share	156.38%
P/CF on Closing Price	19.62	6.83	-2.47	2.04	3.91	20.30	5.10	2.68	0.74	-20.32	3.30	3.75	7.40	7.70	<-12 mths			-10.87%	<-IRR #YR->	5	Cash Flow per Share	-43.76%
															137.94%	Diff M/C		#NUM!	<-IRR #YR->	10	CFPS 5 yr Running	566.85%
Excl.Working Capital CF	$2,324	-$1,694	$20,027	-$15,773	-$6,233	$2,511	-$4,132	-$12,788	-$56,169	$11,700	-$16,579	-$4,233	-$4,815	-$4,815	<-12 mths			9.48%	<-IRR #YR->	5	CFPS 5 yr Running	57.30%
CF fr Op $M WC	$3,944	$3,492	$3,456	$3,710	$3,978	$4,968	$5,735	$5,847	$4,126	$8,368	$6,136	$7,921	$6,273	$6,273	<-12 mths			81.51%	<-Total Growth	10	Cash Flow less WC
Increase	-5.53%	-11.46%	-1%	7.35%	7.22%	24.89%	15.44%	1.95%	-29.43%	102.81%	-26.67%	29.09%	-20.81%	0.00%	<-12 mths			6.14%	<-IRR #YR->	10	Cash Flow less WC	81.51%
5 year Running Average	$1,887.4	$3,212.4	$3,637.2	$3,755.4	$3,716.0	$3,920.8	$4,369.4	$4,847.6	$4,930.8	$5,808.8	$6,042.4	$6,479.6	$6,564.8	$6,994.2	<-12 mths			1.42%	<-IRR #YR->	5	Cash Flow less WC	7.29%
CFPS Excl. WC	$4.88	$4.37	$4.35	$4.67	$5.01	$5.65	$6.48	$6.56	$4.61	$9.28	$6.77	$8.51	$6.66	$6.66	<-12 mths			6.08%	<-IRR #YR->	10	CF less WC 5 Yr Run	80.49%
Increase	-6.46%	-10.30%	0%	7.28%	7.28%	12.88%	14.52%	1.38%	-29.71%	101.13%	-27.03%	25.62%	-21.75%	0.00%	<-12 mths			6.25%	<-IRR #YR->	5	CF less WC 5 Yr Run	35.42%
5 year Running Average	$2.34	$4.03	$4.56	$4.70	$4.66	$4.81	$5.23	$5.67	$5.66	$6.52	$6.74	$7.15	$7.17	$7.57	<-12 mths			4.34%	<-IRR #YR->	10	CFPS - Less WC	52.95%
P/CF on Median Price	7.54	9.31	11.06	10.34	9.37	8.98	9.07	7.56	9.93	6.78	10.43	6.64	10.31	13.76	<-12 mths			0.28%	<-IRR #YR->	5	CFPS - Less WC	1.41%
P/CF on Closing Price	8.06	10.14	11.82	10.74	10.03	10.04	8.78	8.55	10.77	8.09	12.21	5.75	13.09	13.60	<-12 mths			4.63%	<-IRR #YR->	10	CFPS 5 yr Running	57.27%
*Operational Cash Flow.			CF/-WC	P/CF Med	10 yr	3.23	5 yr	2.82	P/CF Med	10 yr	9.22	5 yr	9.93		47.54%	Diff M/C		4.78%	<-IRR #YR->	5	CFPS 5 yr Running	26.29%
			-794.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	942.3								Shares
								-890.7	0.0	0.0	0.0	0.0	942.3								Shares
			$16,571.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$11,088.0								Cash Flow
								-$18,635.0	$0.0	$0.0	$0.0	$0.0	$11,088.0								Cash Flow
			$20.87	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$11.77								Cash Flow per Share
								-$20.92	$0.00	$0.00	$0.00	$0.00	$11.77								Cash Flow per Share
			$4.87	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$22.73								CFPS 5 yr Running
								-$14.45	$0.00	$0.00	$0.00	$0.00	$22.73								CFPS 5 yr Running
			-$3,456.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$6,273.0								Cash Flow less WC
								-$5,847.0	$0.0	$0.0	$0.0	$0.0	$6,273.0								Cash Flow less WC
			-$3,637.2	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$0.0	$6,564.8								CF less WC 5 Yr Run
								-$4,847.6	$0.0	$0.0	$0.0	$0.0	$6,564.8								CF less WC 5 Yr Run
			-$4.35	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$6.66								CFPS - Less WC
								-$6.56	$0.00	$0.00	$0.00	$0.00	$6.66								CFPS - Less WC
			-$4.56	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$7.17								CFPS 5 yr Running
								-$5.67	$0.00	$0.00	$0.00	$0.00	$7.17								CFPS 5 yr Running
Interest-bearing deposits with banks	$1,547	-$2,054	-$6,685	-$4,731	$4,919	$394	-$2,599	-$208	-$5,468	-$3,437	-$9,902	-$2,576	-$4,597
Loans, net of repayments	-5,023	-5,889	-16,529	-22,610	-$27,464	-$30,547	-$16,155	-$17,653	-$18,891	-$46,883	-$65,000	-$14,301	-$28,930
Deposits, net of withdrawals	11,339	13,459	10,213	40,510	$28,440	$18,407	$20,770	$19,838	$82,120	$47,521	$74,511	$17,045	$34,467
Obligations related to securities sold short	2,719	292	-328	-3,193	$532	$3,375	$69	$1,853	$328	$6,827	-$7,506	$3,382	$2,976
Accrued interest receivable	-22	44	79	-112	-$98	-$34	-$341	-$122	$97	$46	-$959	-$1,272	-$711
Accrued interest payable	-95	-147	-32	-77	-$72	$90	$205	$138	-$238	-$419	$1,228	$2,521	$452
Derivative assets	146	6,917	-688	-5,655	-$1,425	$3,588	$2,780	-$2,484	-$8,832	-$3,172	-$7,073	$9,826	-$3,240
Derivative liabilities	-54	-7,241	2,032	7,204	-$232	-$5,549	-$2,084	$4,037	$5,184	$1,582	$20,622	-$10,382	-$813
Trading securities	-7,617	-3,738	-2,991	880	-$3,734	-$764
FVO/FVTPL securities	160	17	34	-14	$12	$107	-$647	-$1,826	-$8,296	-$9,552	$4,949	-$15,427	-$23,319
Other FVO/FVTPL assets and liabilities	-639	349	-14	327	$807	$1,071	-$380	$1,222	$1,563	$7,277	$9,404	$8,259	$3,431
Current income taxes	-749	-532	-27	140	$8	-$1,063	-$301	-$309	$1,287	$543	-$809	$361	-$257
Cash collateral on securities lent	-1,257	506	-1,196	526	$1,089	-$494	$707	-$909	$2	$639	$2,390	$3,228	-$84
Obligations related to securities sold under repurchase agreements	-1,933	-1,744	4,975	-948	$2,780	$16,277	$2,869	$20,961	$19,852	-$2,248	$3,680	$9,319	$23,035
Cash collateral on securities borrowed	-1,473	-106	28	144	-$2,188	$398	-$453	$1,824	-$4,883	-$3,821	-$2,958	$675	-$2,377
Securities purchased under resale agreements	$516	-$186	-$8,096	$3,318	$1,712	-$10,556	-$1,195	-$10,785	-$9,394	-$1,977	-$1,641	-$10,971	-$3,537
Other, net	-916	838	-1,538	-569	$169	$2,103	-$18	-$4,041	-$742	-$4,694	-$5,379	$2,619	$6,361
Provision for credit losses	1,291	1,121	937	771	$1,051	$829	$870	$1,286	$2,489	$158	$1,057	$2,010	$2,001
AFS  Investment securities (gains) losses	-264	-212	-201	-138	-$73	-$143	$35	-$34	-$9
Losses (Gains) on debt Securities.										-$90	-$35	-$83	-$43
Sum	-$2,324	$1,694	-$20,027	$15,773	$6,233	-$2,511	$4,132	$12,788	$56,169	-$11,700	$16,579	$4,233	$4,815
Google -- TD Bank		$3,934	-$5,246	$17,186	-$398	-$2,511	$4,132	$12,788	$56,169	-$11,700	$16,579	$4,233	$4,815
Difference		-$2,240	-$14,781	-$1,413	$6,631	$0	$0	$0	$0	$0	$0	$0	$0
TD Bank			-$20,027	$15,773	$6,233	-$2,511
Difference			$0	$0	$0	$0
OPM Ratio	25.28%	24.49%	23.41%	25.48%	28.18%	28.54%	29.03%	26.79%	19.57%	31.33%	27.71%	20.27%	26.76%	23.08%				14.32%	<-Total Growth	10	OPM	Banks use
Increase	6.72%	-3.13%	-4.43%	8.87%	10.58%	1.29%	1.72%	-7.75%	-26.93%	60.08%	-11.57%	-26.83%	32.00%	-13.74%					Should increase		or be stable.	Net Inc.
Diff from Median	-7.2%	-10.1%	-14.1%	-6.5%	3.4%	4.8%	6.6%	-1.7%	-28.2%	15.0%	1.7%	-25.6%	-1.8%	-15.3%				0.00	<-Median->	10	OPM
*Operational Profit Margin (CF/Revenue) Ratio									OPM	10 Yrs	27.25%	5 Yrs	26.76%					should be	zero, it is a		check on calculations
														$11,535	<-12 mths	1.85%
EBIT									$8,176	$8,480	$9,030	$10,184	$11,326	$12,078	$12,746
Change										3.72%	6.49%	12.78%	11.21%	6.64%	5.53%
Margin									43.63%	42.37%	41.39%	43.58%	44.23%	44.35%	44.62%
Covering Assets	$315,668	$348,583	$368,903	$404,893	$443,435	$469,340	$539,689	$537,385	$692,488	$750,259	$826,051	$891,238	$961,444	$961,444				160.62%	<-Total Growth	10	Covering Assets	Type
Change	-4.88%	10.43%	5.83%	9.76%	9.52%	5.84%	14.99%	-0.43%	28.86%	8.34%	10.10%	7.89%	7.88%	0.00%				8.93%	<-Median->	10	Change	Lg Term R A
Debt/Covering Assets Ratio	0.95	0.90	0.88	0.91	0.89	0.94	0.85	0.90	0.82	0.83	0.84	0.81	0.80	0.80				0.85	<-Median->	10	Ratio	Lg Term R
Deposits/Total Debt Ratio	0.80	0.83	0.82	0.83	0.83	0.82	0.82	0.79	0.78	0.78	0.78	0.78	0.78	0.78				0.79	<-Median->	10	Deposits/Total Debt Ratio	Intang/GW
Long Term Debt	$300,344	$313,528	$325,393	$366,657	$395,647	$439,706	$461,015	$485,712	$570,740	$621,158	$697,572	$723,376	$764,857	$764,857					Deposits		Debt	Liquidity
Change	17.59%	4.39%	3.78%	12.68%	7.91%	11.14%	4.85%	5.36%	17.51%	8.83%	12.30%	3.70%	5.73%	0.00%				8.37%	<-Median->	10	Change	Liq. + CF
Debt/Market Cap Ratio	9.45	8.85	7.97	9.20	9.91	8.81	9.16	9.71	12.85	9.18	9.31	15.88	9.32	8.96				9.31	<-Median->	10	Debt/Market Cap Ratio	Debt Ratio
Assets/Current Liabilities Ratio	158.94	176.90	77.65	80.23	82.84	82.91	81.68	105.39	96.21	109.29	85.80	71.17	73.39	73.39				82.87	<-Median->	10	Assets/Current Liab Ratio	Leverage Bk
Current Liabilities/Asset Ratio	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01				0.01	<-Median->	10	Current Liab/Asset Ratio	Leverage
Debt to Cash Flow (Years)	185.40	60.46	0.00	18.82	38.75	178.96	46.72	26.06	9.47	0.00	30.71	59.52	68.98	68.98				34.73	<-Median->	10	Debt to Cash Flow (Years)	D/E Ratio
Intangibles	$656	$756	$967	$1,197	$1,410	$1,797	$1,945	$1,969	$1,961	$2,029	$2,592	$2,742	$2,860	$2,860				195.76%	<-Total Growth	10	Intangibles
Goodwill	$1,701	$1,733	$1,450	$1,526	$1,539	$5,367	$5,564	$5,449	$5,253	$4,954	$5,348	$5,425	$5,443	$5,443				275.38%	<-Total Growth	10	Goodwill
Total	$2,357	$2,489	$2,417	$2,723	$2,949	$7,164	$7,509	$7,418	$7,214	$6,983	$7,940	$8,167	$8,303	$8,303				243.53%	<-Total Growth	10	Total
Change	-7.50%	5.60%	-2.89%	12.66%	8.30%	142.93%	4.82%	-1.21%	-2.75%	-3.20%	13.70%	2.86%	1.67%	0.00%				3.84%	<-Median->	10	Change
Intangible/Market Cap Ratio	0.07	0.07	0.06	0.07	0.07	0.14	0.15	0.15	0.16	0.10	0.11	0.18	0.10	0.10				0.12	<-Median->	10	Intangible/Market Cap Ratio
Current Assets	$4,727	$6,379	$13,547	$18,637	$14,165	$14,152	$17,691	$17,359	$62,518	$56,997	$63,861	$55,718	$48,055	$48,055				254.73%	<-Total Growth	10	Current Assets
Current Liabilities	$2,475	$2,252	$5,343	$5,775	$6,052	$6,818	$7,310	$6,183	$7,999	$7,665	$10,998	$13,710	$14,198	$14,198				165.73%	<-Total Growth	10	Current Liabilities
Liquidity Ratio	1.91	2.83	2.54	3.23	2.34	2.08	2.42	2.81	7.82	7.44	5.81	4.06	3.38	3.38				3.31	<-Median->	10	Ratio
Liq. with CF aft div	1.97	4.46	1.96	6.31	3.72	2.11	3.45	5.42	15.03	5.53	7.60	4.72	3.93	3.91				5.53	<-Median->	5	Ratio
Liq. CF re  Inv+Div	1.97	1.91	1.96	1.64	1.67	1.64	1.65	1.39	4.39	4.13	2.36	1.88	1.60	3.91				2.36	<-Median->	5	Ratio
Assets	$393,385	$398,389	$414,903	$463,309	$501,357	$565,264	$597,099	$651,604	$769,551	$837,683	$943,597	$975,719	$1,041,985	$1,041,985				151.14%	<-Total Growth	10	Assets
Liabilities	$376,347	$379,960	$396,120	$441,756	$477,684	$534,027	$561,983	$613,024	$728,216	$791,853	$893,215	$922,506	$982,978	$982,978				148.15%	<-Total Growth	10	Liabilities
Debt Ratio	1.05	1.05	1.05	1.05	1.05	1.06	1.06	1.06	1.06	1.06	1.06	1.06	1.06	1.06				1.06	<-Median->	10	Ratio
Estimates BVPS														$59.96	$63.60	$57.65
Estimate Book Value														$56,500.0	$59,929.9	$54,323.3
P/B Ratio (Close)														1.51	1.42	1.57
Difference from 10 year median															8.42%	Diff M/C
Book Value	$17,038	$18,429	$18,783	$21,553	$23,673	$31,237	$35,116	$38,580	$41,335	$45,830	$50,382	$53,213	$59,007	$59,007				214.15%	<-Total Growth	10	Book Value
Preferred Share	$1,706	$1,706	$1,031	$1,000	$1,000	$1,797	$2,250	$2,825	$3,575	$4,325	$4,923	$4,923	$4,946	$4,946				379.73%	<-Total Growth	10	Preferred Share
NCI	$172	$177	$164	$193	$201	$202	$173	$186	$181	$182	$201	$232	$272	$201				65.85%	<-Total Growth	10	NCI
Book Value	$15,160	$16,546	$17,588	$20,360	$22,472	$29,238	$32,693	$35,569	$37,579	$41,323	$45,258	$48,058	$53,789	$53,789	$53,789	$53,789		205.83%	<-Total Growth	10	Book Value
Book Value per share	$18.74	$20.72	$22.15	$25.62	$28.30	$33.28	$36.91	$39.93	$42.03	$45.83	$49.95	$51.61	$57.08	$57.08	$57.08	$57.08		157.71%	<-Total Growth	10	Book Value per Share
Increase	2.93%	10.57%	6.89%	15.68%	10.43%	17.60%	10.93%	8.18%	5.24%	9.05%	8.99%	3.33%	10.60%	0.00%	0.00%	0.00%		-1.40%	P/B Ratio		Current/Historical Median
P/B Ratio (Median)	1.96	1.96	2.17	1.88	1.66	1.53	1.59	1.24	1.09	1.37	1.41	1.09	1.20	1.61	0.00	0.00		1.61	P/B Ratio		Historical Median
P/B Ratio (Close)	2.10	2.14	2.32	1.96	1.78	1.71	1.54	1.41	1.18	1.64	1.66	0.95	1.53	1.59	1.59	1.59		9.93%	<-IRR #YR->	10	Book Value per Share
Change	1.63%	2.11%	8.52%	-15.75%	-9.25%	-3.91%	-9.76%	-8.68%	-15.92%	38.57%	1.07%	-42.77%	61.04%	3.95%	0.00%	0.00%		7.41%	<-IRR #YR->	5	Book Value per Share	157.71%
Leverage Ratio Bank									4.7%	4.7%	4.4%	4.2%	4.3%	4.3%								42.94%
Leverage (A/BK)	25.95	24.08	23.59	22.76	22.31	19.33	18.26	18.32	20.48	20.27	20.85	20.30	19.37	19.37				20.30	<-Median->	5	A/BV
Debt/Equity Ratio	24.83	22.96	22.52	21.70	21.26	18.26	17.19	17.23	19.38	19.16	19.74	19.20	18.27	18.27				19.20	<-Median->	5	Debt/Eq Ratio
Shareholders' Equity (Assets less Liabilities)									P/BV	10 yr Med	1.39	5 yr Med	1.20		13.88%	Diff M/C		24.38	Historical		Leverage (A/BK)
			-$22.15	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$57.08
								-$39.93	$0.00	$0.00	$0.00	$0.00	$57.08
Comprehensive Income	$3,358	$3,445	$3,360	$4,523	$4,047	$4,380	$5,601	$5,243	$4,439	$6,107	$6,813	$4,902	$8,824					162.62%	<-Total Growth	10	Comprehensive Income
Preferred Share	$158	$99	$87	$45	$38	$52	$89	$111	$122	$158	$171	$267	$263					202.30%	<-Total Growth	10	Comprehensive Income
NCI	$8	-$3	-$3	$14	$20	$19	$17	$25	$2	$17	$23	$38	$39					1400.00%	<-Total Growth	10	Comprehensive Income
Shareholders	$3,192	$3,349	$3,276	$4,464	$3,989	$4,309	$5,495	$5,107	$4,315	$5,932	$6,619	$4,597	$8,522					160.13%	<-Total Growth	10	Comprehensive Income
Increase	15.40%	4.92%	-2.18%	36.26%	-10.64%	8.02%	27.52%	-7.06%	-15.51%	37.47%	11.58%	-30.55%	85.38%					11.58%	<-Median->	5	Comprehensive Income
5 Yr Running Average	$1,604	$2,559	$2,970	$3,409	$3,654	$3,877	$4,307	$4,673	$4,643	$5,032	$5,494	$5,314	$5,997					10.03%	<-IRR #YR->	10	Comprehensive Income
ROE	21.1%	20.2%	18.6%	21.9%	17.8%	14.7%	16.8%	14.4%	11.5%	14.4%	14.6%	9.6%	15.8%					10.78%	<-IRR #YR->	5	Comprehensive Income	160.13%
5Yr Median	17.9%	19.0%	19.0%	20.2%	20.2%	18.6%	17.8%	16.8%	14.7%	14.4%	14.4%	14.4%	14.4%					7.28%	<-IRR #YR->	10	5 Yr Running Average	66.87%
% Difference from NI	0.60%	6.96%	4.63%	26.42%	-5.85%	-7.27%	6.12%	2.45%	17.64%	-5.41%	9.42%	-2.77%	24.37%					5.12%	<-IRR #YR->	5	5 Yr Running Average	101.95%
Median Values										Diff	5, 10 yr	4.3%	9.4%					14.4%	<-Median->	5	Return on Equity	28.34%
			-$3,276	$0	$0	$0	$0	$0	$0	$0	$0	$0	$8,522
								-$5,107	$0	$0	$0	$0	$8,522
			-$2,970	$0	$0	$0	$0	$0	$0	$0	$0	$0	$5,997
								-$4,672.8	$0.0	$0.0	$0.0	$0.0	$5,997.0
Current Liability Coverage Ratio	1.59	1.55	0.65	0.64	0.66	0.73	0.78	0.95	0.52	1.09	0.56	0.58	0.44	0.44							CFO / Current Liabilities
5 year Median	0.98	1.47	1.47	1.47	0.66	0.66	0.66	0.73	0.73	0.78	0.78	0.58	0.56	0.56				0.56	<-Median->	5	Current Liability Cov Ratio
Asset Efficiency Ratio	1.00%	0.88%	0.83%	0.80%	0.79%	0.88%	0.96%	0.90%	0.54%	1.00%	0.65%	0.81%	0.60%	0.60%							CFO / Total Assets
5 year Median	0.9%	0.9%	0.9%	0.9%	0.83%	0.83%	0.83%	0.88%	0.88%	0.90%	0.90%	0.81%	0.65%	0.65%				0.7%	<-Median->	5	Return on Assets
Return on Assets ROA	0.81%	0.79%	0.75%	0.76%	0.85%	0.82%	0.87%	0.77%	0.48%	0.75%	0.64%	0.48%	0.66%	0.60%				Net	Income/Assets		Return on Assets
5Yr Median	0.65%	0.79%	0.79%	0.79%	0.79%	0.79%	0.82%	0.82%	0.82%	0.77%	0.75%	0.64%	0.64%	0.64%				0.6%	<-Median->	5	Asset Efficiency Ratio
Return on Equity ROE	20.93%	18.92%	17.80%	17.34%	18.85%	15.89%	15.84%	14.02%	9.76%	15.18%	13.37%	9.84%	12.74%	11.69%				Net Inc/	Shareholders' equity		Return on Equity
5Yr Median	18.07%	18.92%	18.92%	18.92%	18.85%	17.80%	17.34%	15.89%	15.84%	15.18%	14.02%	13.37%	12.74%	12.74%				12.7%	<-Median->	5	Return on Equity
														$7,272	<-12 mths	2.21%
Net Income	$3,339	$3,215	$3,215	$3,590	$4,295	$4,718	$5,284	$5,121	$3,792	$6,446	$6,243	$5,033	$7,154
NCI	$8	-$3	-$3	$14	$20	$19	$17	$25	$2	$17	$23	$38	$39
Net of NCI	$3,331	$3,218	$3,218	$3,576	$4,275	$4,699	$5,267	$5,096	$3,790	$6,429	$6,220	$4,995	$7,115	$6,671	$7,486	$8,140
Preferred Share	$158	$87	$87	$45	$38	$52	$89	$111	$122	$158	$171	$267	$263
Shareholders	$3,173	$3,131	$3,131	$3,531	$4,237	$4,647	$5,178	$4,985	$3,668	$6,271	$6,049	$4,728	$6,852					118.84%	<-Total Growth	10	Net Income
Increase	9.34%	-1.32%	0.00%	12.78%	19.99%	9.68%	11.43%	-3.73%	-26.42%	70.97%	-3.54%	-21.84%	44.92%	-6.24%	12.22%	8.74%		EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average	$1,494	$2,533	$2,924	$3,174	$3,441	$3,735	$4,145	$4,516	$4,543	$4,950	$5,230	$5,140	$5,514	$6,286	$6,497	$6,881		8.15%	<-IRR #YR->	10	Net Income
Operating Cash Flow	$1,620	$5,186	-$16,571	$19,483	$10,211	$2,457	$9,867	$18,635	$60,295	-$3,332	$22,715	$12,154	$11,088					6.57%	<-IRR #YR->	5	Net Income	118.84%
Investment Cash Flow	$2,197	-$3,006	$18,788	-$16,501	-$7,383	-$1,965	-$7,987	-$17,889	-$19,408	-$3,506	-$24,391	-$20,763	-$20,751					6.55%	<-IRR #YR->	10	5 Yr Running Average	37.45%
Total Accruals	-$644	$951	$914	$549	$1,409	$4,155	$3,298	$4,239	-$37,219	$13,109	$7,725	$13,337	$16,515					4.07%	<-IRR #YR->	5	5 Yr Running Average	88.56%
Total Assets	$393,385	$398,389	$414,903	$463,309	$501,357	$565,264	$597,099	$651,604	$769,551	$837,683	$943,597	$975,719	$1,041,985						Balance Sheet		Assets	22.10%
Accruals Ratio	-0.16%	0.24%	0.22%	0.12%	0.28%	0.74%	0.55%	0.65%	-4.84%	1.56%	0.82%	1.37%	1.58%					1.37%	<-Median->	5	Ratio
EPS/CF Ratio (WC)	0.81	0.94	0.90	0.95	1.07	0.99	0.90	0.85	0.89	0.75	0.99	0.61	1.09					0.92	<-Median->	10	EPS/CF Ratio
			-$3,131	$0	$0	$0	$0	$0	$0	$0	$0	$0	$6,852
								-$4,985	$0	$0	$0	$0	$6,852
			-$2,924	$0	$0	$0	$0	$0	$0	$0	$0	$0	$5,514
								-$4,516	$0	$0	$0	$0	$5,514
Change in Close	4.61%	12.91%	16.00%	-2.54%	0.22%	13.00%	0.11%	-1.21%	-11.51%	51.11%	10.16%	-40.87%	78.10%	3.95%		0.00%			Count	37	Years of data
up/down																			Count	8	21.62%
Meet Prediction?																		% right	Count	3	37.50%
Financial Cash Flow	-$2,690	-$2,630	-$1,833	-$2,903	-$2,436	-$501	-$993	-$1,290	-$1,221	-$1,945	-$1,610	-$2,159	-$2,610						C F Statement		Financial Cash Flow
Total Accruals	$2,046	$3,581	$2,747	$3,452	$3,845	$4,656	$4,291	$5,529	-$35,998	$15,054	$9,335	$15,496	$19,125								Accruals
Accruals Ratio	0.52%	0.90%	0.66%	0.75%	0.77%	0.82%	0.72%	0.85%	-4.68%	1.80%	0.99%	1.59%	1.84%					1.59%	<-Median->	5	Ratio
Cash	$2,613	$2,211	$2,694	$3,053	$3,500	$3,440	$4,380	$4,380	$45,351	$34,573	$31,535	$20,816	$8,565	$8,565							Cash
Cash per Share	$3.23	$2.77	$3.39	$3.84	$4.41	$3.92	$4.95	$4.92	$50.72	$38.34	$34.81	$22.36	$9.09	$9.09				$34.81	<-Median->	5	Cash per Share
Percentage of Stock Price	8.08%	6.10%	6.80%	8.43%	8.05%	6.39%	9.73%	9.10%	93.30%	52.01%	63.55%	35.04%	10.00%	10.04%				52.01%	<-Median->	5	% of Stock Price
Notes:
January 12, 2025.  Last estimates were for $24141M, $25137M, $26099M Renvue, $6.55, $6.83, $7.51 AEPS,
$6.55, $6.83, $7.51 EPS, $3.61, $3.82, $4.00 Dividends, $54.90, $58.30, $60.40 fpr BVPS, $5957M, $6374M, $7200M for Net Income.
January 14, 2024.  Last estimates were for 2023, 2024 and 2024 of $23235M, $24252M and $25851M for Revenue, $6.83, $6.98 and $7.30 for AEPS,
$6.44, $6.90 and $6.84 for EPS, $3.53, $3.73 amd $4.85 for Dividends, $54.00 and $56.50 for 2024/5 for BBPS, and $5918M, $5957M and $6198M for Net Income.
January 14, 2023.  Last estimates were for 2022, 2023 and 2024 of $21450M, $22782M and $23244M for Revenue,
$6.85, $7.15 and $7.10 for EPS, $3.18, $3.37 ad $3.32 for Dividends and $6102M, $6351M and $6451M for Net Income.
January 15, 2022.  Last estimates were for 2021, 2022 and 2023 of $19020M, $19641M and $20955M for Revenue,
$10.40, $11.30 and $11.80 for EPS, $5.70, $5.80 and $5.89 for Dividends, and $4591M, $4987M and $5361M for Net Income.
January 16, 2021  Last estimates were for 2021, 2022 and 2023 of $19247M, $19746M and $20018M for Revenue,
$11.80, $12.10 and $13.52 for EPS, $13.00 for CFPS for 2020m $5180M, $5228M and $6021M for Net Income.
January 16, 2020.  Last estimates were for 2019, 2020 and 2021 of $18751M, $19562M and $19922M for Revenue, $12.65, $13.15 and $13.25 for EPS,
$13.70 and $13.00 for CFPS for 2019 and 2020 and $5479M, $5751M for Net Income for 2019 and 2020.
January 19, 2019.  Last estimates were for 2018, 2019 and 2020 of $17641M, $18539M, and $19436M for Revenue, $11.00, $11.70 and $12.50 for EPS,
$13.10, $13.70 and $13.00 for CFPS and $4947M, $5255M and $56199M for Net Income.
January 14, 2018.  Last estimates were for 2017, 2018 and 2019 of $15935M, $16833M and $17737M for Revenue, $10.30 amd $10.60 for EPS for 2017 and 2018,
$11.70, $12.20 and $11.70 for CFPS and $4235M and $4514M for Net Income for 2017 and 2018.
19978 with also Canada Trust's pension and custody business in 1997
In 1996 CIBC Mellon Global Securities Services: formed by CIBC and Mellon Bank Corp. (now Bank of New York Mellon) of Pittsburgh PA.
In 1988, CIBC acquired a majority interest in Wood Gundy which brought a well-respected name and reputation in underwriting. Shortly thereafter, the corporation merged
Wood Gundy and CIBC Securities under the name CIBC Wood Gundy which became CIBC Oppenheimer in 1997 and later, CIBC World Markets.
Wood, Gundy & Company, the precursor of CIBC's investment banking arm, opened its doors on February 1, 1905
The Canadian Bank of Commerce and the Imperial Bank of Canada merged in June 1, 1961.  At the time, they were two of Canada's largest banks.
The Imperial Bank of Canada (The Imperial) opened in Toronto on March 18, 1875.
CIBC's history begins with the founding of The Canadian Bank of Commerce on May 15, 1867
CIBC has been a dividend payer since 1868.
Sector:
Bank, Financial Services
What should this stock accomplish?
Would I buy this company and Why.
The only reason I would not buy this bank is because I already hold 3 Canadian Banks.
Why am I following this stock.
This was the only major Canadian Bank I was not following.  I thought I should so I started to track this stock in 2017.
Dividends
Dividends are paid quarterly in Cycle 1 of  January, April, July and October,.  Dividends are declared in one month for shareholders of record of the following month and paid in the next month.
For example, the dividends declared on May 28, 2015 was for shareholders of record of June 29, 2015 and paid on July 28, 2015.
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.
Canadian Imperial Bank of Commerce is Canada's fifth-largest bank and operates three business segments: retail and business banking, wealth
management, and capital markets. It serves approximately 11 million personal banking and business customers, primarily in Canada.
										Adjused '22
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
Date	2017	Jan 14	2018	Jan 19	2019	Jan 17	2020	Jan 16	2021	Jan 15	2022	Jan 15	2023	Jan 14	2024			Jan 12	2025			Change
Dodig, Victor George	0.00%	0.018	0.00%	0.018	0.00%	0.018	0.00%	0.068	0.01%	0.107	0.01%	0.209	0.02%	0.194	0.02%			0.180	0.02%
CEO - Shares - Amount	$1.071		$0.899		$0.965		$0.981		$5.018		$5.864		$13.360		$17.683				$16.298			-7.44%
Options - percentage	0.05%	0.491	0.06%	0.603	0.07%	0.663	0.07%	0.701	0.08%	1.593	0.18%	1.966	0.21%	2.418	0.26%			2.474	0.26%
Options - amount	$24.821		$24.959		$32.603		$36.037		$51.670		$87.261		$125.414		$219.902				$224.042			2.31%
Sedran, Robert																		0.004	0.00%
CFO - Shares - Amount																			$0.350			#DIV/0!
Options - percentage																		0.184	0.02%
Options - amount																			$16.694			#DIV/0!
Panossian, Hratch Dikran						0.001	0.00%	0.004	0.00%	0.095	0.01%	0.015	0.00%	0.015	0.00%			0.008	0.00%		Was CFO 2024
Officer - Shares - Amount							$0.047		$0.267		$5.216		$0.942		$1.385				$0.766			-44.47%
Options - percentage						0.054	0.01%	0.078	0.01%	2.887	0.32%	0.347	0.04%	0.434	0.05%			0.547	0.06%
Options - amount							$2.946		$5.778		$158.099		$22.170		$39.433				$49.506			26.07%
Beber, Shawn										0.001	0.00%	0.001	0.00%	0.002	0.00%			0.002	0.00%
Officer - Shares - Amount											$0.059		$0.086		$0.154				$0.168			9.02%
Options - percentage										0.270	0.03%	0.361	0.04%	0.433	0.05%			0.618	0.07%
Options - amount											$14.790		$23.025		$39.385				$55.969			42.70%
Culham, Harry Kenneth												0.027	0.00%	0.026	0.00%			0.029	0.00%
Sub Exe- Shares - Amount													$1.699		$2.396				$2.599			8.94%
Options - percentage												1.520	0.16%	1.845	0.20%			1.574	0.17%
Options - amount													$96.984		$167.747				$142.568			-14.65%
Brindamour, Charles, J. G.								0.012	0.00%	0.025	0.00%	0.052	0.01%	0.028	0.00%			0.029	0.00%
Director - Shares - Amount									$0.856		$1.352		$3.331		$2.506				$2.668			6.92%
Options - percentage								0.000	0.00%	0.000	0.00%	0.000	0.00%	0.000	0.00%			0.000	0.00%
Options - amount									$0.000		$0.000		$0.000		$0.000				$0.000			#DIV/0!
Aljoundi, Ammar												0.008	0.00%	0.012	0.00%			0.012	0.00%
Director - Shares - Amount													$0.510		$1.091				$1.087			0.00%
Options - percentage												0.000	0.00%	0.002	0.00%			0.006	0.00%
Options - amount													$0.000		$0.181				$0.587			226.36%
Stevenson, Katharine, Berghuis								0.026	0.00%	0.055	0.01%	0.112	0.01%	0.069	0.01%			0.071	0.01%		Chair 2022
Chairman - Shares - Amt									$1.950		$3.001		$7.169		$6.280				$6.455			3.22%
Options - percentage								0.000	0.00%	0.000	0.00%	0.000	0.00%	0.000	0.00%			0.000	0.00%
Options - amount									$0.000		$0.000		$0.000		$0.000				$0.000			#DIV/0!
Manley, John Paul	0.00%	0.000	0.00%	0.000	0.00%	0.000	0.00%	0.001	0.00%												Ceased insider Apr 2021
Chairman - Shares - Amt	$0.000		$0.000		$0.000		$0.000		$0.067
Options - percentage	0.00%	0.035	0.00%	0.040	0.00%	0.046	0.01%	0.053	0.01%
Options - amount	$2.194		$1.760		$2.143		$2.528		$2.877
Increase in O/S Shares	0.10%	0.991	0.11%	1.000	0.11%	0.512	0.06%	0.824	0.09%	3.410	0.38%	1.560	0.17%	0.549	0.06%			2.594	0.28%
Due to SO	$44.688		$60.715		$50.823		$27.640		$44.766		$185.375		$85.421		$34.995				$235.850
Book Value	$72.000		$91.000		$95.000		$52.000		$87.000		$176.000		$85.000		$27.000				$148.000
Insider Buying	$0.000		-$0.167		-$0.494		-$1.632		-$5.265		-$0.050		$0.000		-$5.679				$0.000		zero in 2023
Insider Selling	$27.965		$6.697		$4.639		$6.648		$1.726		$28.907		$0.000		$1.744				$41.701
Net Insider Selling	$27.965		$6.530		$4.145		$5.016		-$3.539		$28.857		$0.000		-$3.935				$41.701
Net Selling % of Market Cap	0.06%		0.01%		0.01%		0.01%		-0.01%		0.04%		0.00%		0.00%				0.05%
Directors		17		16		15		15		15		15		14				14
Women	29%	6	35%	5	31%	7	47%	6	40%	7	47%	7	47%	6	43%			6	43%
Minorities	0%	0	0%	0	0%	1	7%	1	7%	1	7%	1	7%	2	14%			2	14%
Institutions/Holdings	53.36%	405	44.39%	407	44.39%	20	39.22%	20	10.33%	20	41.15%	20	47.56%	20	39.57%			20	47.64%
Total Shares Held	24.16%	195.038	22.02%	201.724	22.65%	174.702	19.54%	46.189	5.17%	371.061	40.95%	431.007	46.29%	368.519	39.11%			449.048	47.65%
Increase/Decrease 3 Mths	2.27%	-7.550	-3.73%	0.315	0.16%	-17.253	-8.99%	-0.570	-1.22%	16.681	4.71%	5.722	1.35%	-7.589	-2.02%			24.742	5.83%
Starting No. of Shares	NASDAQ	202.589	NASDAQ	201.409	NASDAQ	191.955	Top 20 MS	46.760	Top 20 MS	354.380	Top 20 MS	425.286	Top 20 MS	376.107	Top 20 MS			424.306	Top 20 MS
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