This report should not be construed as providing investment advice. It is for educational purposes only.  Before making any investment decision, you should always do your own research or consult a investment professional. Estimates Estimates Estimates
While I try to be accurate, I assume no responsibility for any figure in this spreadsheet. Q1 2025 <-Estimates https://www.annualreports.com/Company/firm-capital-mortgage-investment-corporation
See my website on stocks or see my blog at the following sites.  https://spbrunner.com/stocks.html https://spbrunner.blogspot.com/ 3/31/25 <-Estimates https://firmcapital.com/fcmic/
Firm Capital Mortgage Investment Corp TSX FC OTC FCMGF https://firmcapital.com/ Fiscal Yr: Dec 31
Year 12/31/12 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 Description #Y Item Total G
Accounting Rules IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS Accounting Rules
$67 <-12 mths -1.94% Estimates last 12 months from Qtr.
Revenue* $0.0 $0.0 $30.7 $34.0 $0.0 $0.0 $0.0 $47.3 $44.2 $47.9 $60.1 $71.9 $68.6 $64.8 $58.3 $75.7 123.62% <-Total Growth 10 Revenue
Increase 0.00% 0.00% 0.00% 10.80% 0.00% 0.00% 0.00% 0.00% -6.69% 8.44% 25.50% 19.60% -4.55% -5.58% -10.00% 29.73% 8.38% <-IRR #YR-> 10 Revenue 123.62%
5 year Running Average $0.0 $0.0 $6.1 $12.9 $12.9 $12.9 $12.9 $16.3 $18.3 $27.9 $39.9 $54 $58.5 $62.7 $64.8 $67.9 7.71% <-IRR #YR-> 5 Revenue 44.97%
Revenue per Share #DIV/0! $0.00 $1.52 $1.67 #DIV/0! $0.00 $0.00 $1.67 #DIV/0! #DIV/0! $1.74 $2.08 $1.87 $1.76 $1.59 $2.06 25.30% <-IRR #YR-> 10 5 yr Running Average 853.81%
Increase #DIV/0! #DIV/0! #DIV/0! 9.97% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 19.59% -10.38% -5.59% -10.00% 29.73% 29.19% <-IRR #YR-> 5 5 yr Running Average 259.86%
5 year Running Average #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! $1.81 $1.87 2.07% <-IRR #YR-> 10 Revenue per Share 22.74%
P/S (Price/Sales) Med #DIV/0! #DIV/0! 8.13 7.43 #DIV/0! #DIV/0! #DIV/0! 8.40 #DIV/0! #DIV/0! 7.21 5.20 6.06 6.68 2.26% <-IRR #YR-> 5 Revenue per Share 11.82%
P/S (Price/Sales) Close #DIV/0! #DIV/0! 8.15 7.56 #DIV/0! #DIV/0! #DIV/0! 8.81 #DIV/0! #DIV/0! 6.13 5.20 6.39 6.60 7.34 6.31 #VALUE! <-IRR #YR-> 8 5 yr Running Average #DIV/0!
P/S 10 Year Median  #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #VALUE! <-IRR #YR-> 3 5 yr Running Average #DIV/0!
*Revenue in M CDN $  P/S Med 20 yr  #DIV/0! 15 yr  #DIV/0! 10 yr  #DIV/0! 5 yr  #DIV/0! #DIV/0! Diff M/C
Operating Costs to Rev SAP
-$30.7 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $68.6
-$47.3 $0.0 $0.0 $0.0 $0.0 $68.6
-$6.1 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $58.5
-$16.3 $0.0 $0.0 $0.0 $0.0 $58.5
-$1.52 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.87
-$1.67 $0.00 $0.00 $0.00 $0.00 $1.87
Per Share $0.00 <-12 mths #DIV/0! Estimates Last 12 months from Qtr
$1.02 <-12 mths 3.43% Estimates Last 12 months from Qtr
Difference Basic and Diluted #DIV/0! #DIV/0! 1.13% 2.12% 2.26% 3.43% 0.52% 5.36% 0.44% 0.84% 0.85% 0.71% 0.60% 0.85% <-Median-> 10 Difference Basic and Diluted
EPS Basic $0.000 $0.000 $0.976 $0.991 $0.972 $1.019 $0.968 $1.008 $0.913 $0.950 $0.939 $0.991 $0.996 2.05% <-Total Growth 10 EPS Basic
EPS Diluted* $0.000 $0.000 $0.965 $0.970 $0.950 $0.984 $0.963 $0.954 $0.909 $0.942 $0.931 $0.984 $0.990 $1.01 $1.00 $1.01 2.59% <-Total Growth 10 EPS Diluted
Increase 0.00% 0.00% #DIV/0! 0.52% -2.06% 3.58% -2.13% -0.93% -4.72% 3.63% -1.17% 5.69% 0.61% 2.02% -0.99% 1.00% 10 0 10 Years of Data, EPS P or N 100.00%
Earnings Yield 0.00% 0.00% 7.78% 7.66% 6.90% 7.55% 7.32% 6.48% 7.14% 6.56% 8.71% 9.08% 8.29% 8.67% 8.58% 7.77% 0.26% <-IRR #YR-> 10 Earnings per Share 2.59%
5 year Running Average $0.00 $0.00 $0.19 $0.39 $0.58 $0.77 $0.97 $0.96 $0.95 $0.95 $0.94 $0.94 $0.95 $0.97 $0.98 $1.00 0.74% <-IRR #YR-> 5 Earnings per Share 3.77%
10 year Running Average $0.00 $0.00 $0.10 $0.19 $0.29 $0.39 $0.48 $0.58 $0.67 $0.76 $0.86 $0.96 $0.96 $0.96 $0.97 $0.97 17.29% <-IRR #YR-> 10 5 yr Running Average 392.85%
* Diluted ESP per share  E/P 10 Yrs 7.44% 5Yrs 8.29% -0.27% <-IRR #YR-> 5 5 yr Running Average -1.35%
-$0.97 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.99
-$0.95 $0.00 $0.00 $0.00 $0.00 $0.99
-$0.19 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.95
-$0.96 $0.00 $0.00 $0.00 $0.00 $0.95
Dividend* $0.00 $0.00 $0.00 Estimates Dividend*
Increase 0.00% 0.00% 0.00% Estimates Increase
Payout Ratio EPS 0.00% 0.00% 0.00% Estimates Payout Ratio EPS
Special Dividends 0.054 0.048 $0.034 $0.055 $0.030 $0.070 $0.050 $0.070 $0.008 $0.012 $0.014 $0.054 $0.056 $0.084 $0.000 $0.000 $0.05 <-Median-> 10 Special Dividends
Total Dividends $0.990 $0.984 $0.970 $0.991 $0.966 $1.006 $0.986 $1.006 $0.944 $0.948 $0.950 $0.990 $0.992 $1.020
Yield Cl on Total Diviends 7.27% 8.07% 7.82% 7.83% 7.02% 7.72% 7.50% 6.83% 7.42% 6.61% 8.89% 9.13% 8.31% 8.76%
Dividend* $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 0.00% <-Total Growth 10 Dividends
Increase 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% 3 2 21 Years of data, Count P, N
Average Increases 5 Year Running 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 5 year Increases
Dividends 5 Yr Running $0.99 $0.98 $0.99 $0.99 $0.98 $0.98 $0.98 $0.99 $0.98 $0.98 $0.97 $0.97 $0.96 $0.98 $0.98 $0.97 -2.40% <-Total Growth 10 Dividends 5 Yr Running
Yield H/L Price 7.00% 7.33% 7.57% 7.52% 7.08% 7.04% 7.20% 6.67% 8.07% 6.58% 7.45% 8.63% 8.27% 7.94% 7.32% <-Median-> 10 Yield H/L Price Item
Yield on High  Price 6.68% 6.70% 7.18% 7.18% 6.62% 6.48% 6.93% 6.25% 6.06% 5.95% 6.39% 7.69% 7.65% 7.51% 6.55% <-Median-> 10 Yield on High  Price EPS
Yield on Low Price 7.34% 8.10% 8.00% 7.90% 7.61% 7.71% 7.49% 7.15% 12.09% 7.35% 8.93% 9.82% 9.00% 8.43% 7.80% <-Median-> 10 Yield on Low Price AEPS
Yield on Close Price 6.88% 7.67% 7.55% 7.39% 6.80% 7.18% 7.12% 6.36% 7.35% 6.52% 8.76% 8.63% 7.84% 8.03% 8.03% 7.20% 7.27% <-Median-> 10 Yield on Close Price CFPS
Payout Ratio EPS #DIV/0! #DIV/0! 100.52% 102.16% 101.68% 102.24% 102.39% 105.45% 103.85% 100.64% 102.04% 100.61% 100.20% 100.99% 93.60% 92.67% #DIV/0! <-Median-> 11 DPR EPS FCF 
DPR EPS 5 Yr Running #DIV/0! #DIV/0! 511.92% 254.52% 169.88% 127.09% 101.80% 102.78% 103.11% 102.90% 102.87% 102.50% 101.43% 100.89% 99.45% 97.60% #DIV/0! <-Median-> 11 DPR EPS 5 Yr Running
Payout Ratio CFPS #DIV/0! 0.00% 70.35% 71.77% #DIV/0! 0.00% 0.00% 70.13% #DIV/0! #DIV/0! 0.00% 30.25% 0.00% 64.14% #VALUE! 0.00% #DIV/0! <-Median-> 9 DPR CF
DPR CF 5 Yr Running #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 0.00% #VALUE! 0.00% #DIV/0! <-Median-> 1 DPR CF 5 Yr Running
Payout Ratio CFPS WC #DIV/0! 0.00% 71.64% 66.43% #DIV/0! 0.00% 0.00% 67.26% #DIV/0! #DIV/0! 0.00% 29.76% 58.40% 64.14% 0.00% 0.00% #DIV/0! <-Median-> 9 DPR CF WC
DPR CF WC 5 Yr Running #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 0.00% 0.00% #DIV/0! <-Median-> 0 DPR CF WC 5 Yr Running
Median Values 10 Yr Med 10 Yr Cl 7.32% 7.27% 5 Yr Med 5 Yr Cl 8.07% 7.84% 5 Yr Med Payout 100.64% #DIV/0! #DIV/0! 0.00% <-IRR #YR-> 5 Dividends 0.00%
* Dividends per share  10 Yr Med and Cur. 9.69% 10.54% 5 Yr Med and Cur. -0.47% 2.49% Last Div Inc ---> $0.00 $0.00 #DIV/0! 0.00% <-IRR #YR-> 10 Dividends 0.00%
Dividends Growth 15 0.00% <-IRR #YR-> 15 Dividends 0.00%
Dividends Growth 20 -5.37% <-IRR #YR-> 20 Dividends -66.87%
Dividends Growth 25 0.00% <-IRR #YR-> 25 Dividends #DIV/0!
Dividends Growth 5 -$0.94 $0.00 $0.00 $0.00 $0.00 $0.94 Dividends Growth 5
Dividends Growth 10 -$0.94 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.94 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 $0.94 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 $0.94 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 $0.94 Dividends Growth 25
Div Yd
Historical Dividends Historical High Div 12.29% Low Div 5.98% 10 Yr High 11.87% 10 Yr Low 5.96% Med Div 7.55% Close Div 7.61% Historical Dividends 4.28%
High/Ave/Median Values Curr diff Exp. -34.63% 25.57% Exp. -32.31% 34.80% Cheap 6.42% Cheap 5.57% High/Ave/Median  10.64%
26.48%
Adjusted Historical Dividends 65.88%
Future Dividend Yield Div Yield $0.08 earning in 5 Years at IRR of 0.00% Div Inc. 0.00% High/Ave/Median  163.93%
Future Dividend Yield Div Yield 8.03% earning in 10 Years at IRR of 0.00% Div Inc. 0.00%
Future Dividend Yield Div Yield 8.03% earning in 15 Years at IRR of 0.00% Div Inc. 0.00% Future Dividend Yield Also, assuming the same dividend increases for the future, 
Future Dividend Yield your initial cost would be covered 93.72% based on current 
Future Dividend Paid Div Paid $0.94 earning in 5 Years at IRR of 0.00% Div Inc. 0.00% Future Dividend Yield stock cost of $99.36 CDN$.
Future Dividend Paid Div Paid $0.94 earning in 10 Years at IRR of 0.00% Div Inc. 0.00%
Future Dividend Paid Div Paid $0.94 earning in 15 Years at IRR of 0.00% Div Inc. 0.00% Future Dividend Paid Div Pd
Future Dividend Paid $0.94
Dividend Covering Cost Total Div $4.68 over 5 Years at IRR of 0.00% Div Cov. 40.17% Future Dividend Paid $0.94
Dividend Covering Cost Total Div $8.42 over 10 Years at IRR of 0.00% Div Cov. 72.31% $0.94
Dividend Covering Cost Total Div $12.17 over 15 Years at IRR of 0.00% Div Cov. 104.45% Dividend Covering Cost
Dividend Covering Cost
Yield if held 5 years 8.80% 9.96% 10.06% 8.39% 7.43% 7.00% 7.33% 7.57% 7.52% 7.08% 7.04% 7.20% 6.67% 8.07% 6.58% 7.45% 7.27% <-Median-> 10 Dividend Covering Cost
Yield if held 10 years 9.47% 8.88% 8.73% 8.63% 9.14% 8.80% 9.96% 10.06% 8.39% 7.43% 7.00% 7.33% 7.57% 7.52% 7.08% 7.04% 8.51% <-Median-> 10
Yield if held 15 years 10.34% 10.22% 9.47% 8.88% 8.73% 8.63% 9.14% 8.80% 9.96% 10.06% 8.39% 7.43% 7.00% 9.30% <-Median-> 10 Paid Median Price
Yield if held 20 years 10.34% 10.22% 9.47% 8.88% 8.73% 8.63% 9.14% 8.80% 9.47% <-Median-> 5 Paid Median Price
Yield if held 25 years 10.34% 10.22% 9.47% #NUM! <-Median-> 0 Paid Median Price
Yield if held 30 years Paid Median Price
year 35 Paid Median Price
Cost covered if held 5 years 46.55% 52.19% 53.12% 44.17% 38.93% 36.75% 38.54% 40.06% 39.45% 36.99% 36.36% 37.22% 34.36% 42.26% 34.34% 38.79% 37.88% <-Median-> 10 See TD Bank, NA
Cost covered if held 10 years 117.47% 114.89% 93.46% 90.23% 96.18% 92.76% 104.52% 106.40% 88.19% 77.77% 72.88% 76.44% 79.05% 78.84% 73.96% 73.02% 89.21% <-Median-> 10 BMO, EMP, T, JNJ
Cost covered if held 15 years 160.78% 169.49% 167.24% 161.59% 139.66% 135.47% 143.91% 138.20% 155.99% 158.27% 132.13% 116.59% 109.30% 157.13% <-Median-> 10 Paid Median Price Div Yd
Cost covered if held 20 years 215.02% 222.91% 216.16% 207.51% 184.64% 180.63% 191.63% 184.00% 215.02% <-Median-> 5 Paid Median Price 8.07%
Cost covered if held 25 years 233.97% 269.16% 276.30% 265.50% 233.97% <-Median-> 1 Paid Median Price 7.52%
Cost covered if held 30 years Paid Median Price 8.39%
Yr  Item Tot. Grth
Revenue Growth  $47.3 $44.2 $47.9 $60.1 $71.9 $68.6 $67 <-12 mths -1.94% 44.97% <-Total Growth 5 Revenue Growth  44.97%
AEPS Growth $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 <-12 mths #DIV/0! 0.00% <-Total Growth 5 AEPS Growth 0.00%
Net Income Growth $28.0 $26.4 $27.0 $32.2 $34.2 $35.2 $38 <-12 mths 7.58% 25.81% <-Total Growth 5 Net Income Growth 25.81%
Cash Flow Growth $40.6 $0.0 $0.0 $0.0 $112.9 -$13.8 $58 <-12 mths 524.50% -133.86% <-Total Growth 5 Cash Flow Growth -133.86%
Dividend Growth $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 <-12 mths 0.00% 0.00% <-Total Growth 5 Dividend Growth 0.00%
Stock Price Growth $14.72 $12.73 $14.35 $10.69 $10.84 $11.94 $11.65 <-12 mths -2.43% -18.89% <-Total Growth 5 Stock Price Growth -18.89%
Revenue Growth  $30.7 $34.0 $0.0 $0.0 $0.0 $47.3 $44.2 $47.9 $60.1 $71.9 $68.6 $65 <-this year -5.58% 123.62% <-Total Growth 10 Revenue Growth  123.62%
AEPS Growth $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 <-this year #DIV/0! 0.00% <-Total Growth 10 AEPS Growth 0.00%
Net Income Growth $19.5 $20.1 $0.0 $0.0 $0.0 $28.0 $26.4 $27.0 $32.2 $34.2 $35.2 $0 <-this year -100.00% 80.57% <-Total Growth 10 Net Income Growth 80.57%
Cash Flow Growth $27.8 $28.0 $0.0 $0.0 $0.0 $40.6 $0.0 $0.0 $0.0 $112.9 -$13.8 $58 <-this year 524.50% -149.50% <-Total Growth 10 Cash Flow Growth -149.50%
Dividend Growth $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.94 $0.00 <-this year -100.00% 0.00% <-Total Growth 10 Dividend Growth 0.00%
Stock Price Growth $12.40 $12.66 $13.76 $13.03 $13.15 $14.72 $12.73 $14.35 $10.69 $10.84 $11.94 $11.65 <-this year -2.43% -3.71% <-Total Growth 10 Stock Price Growth -3.71%
Dividends on Shares $80.27 $78.25 $81.49 $79.87 $81.49 $76.46 $76.79 $76.95 $80.19 $80.35 $82.62 $75.82 $75.82 $792.10 No of Years 10 Total Dividends 12/31/13
Share Value $1,004.40 $1,025.46 $1,114.56 $1,055.43 $1,065.15 $1,192.32 $1,031.13 $1,162.35 $865.89 $878.04 $967.14 $943.65 $943.65 $1,053.00 $967.14 No of Years 10 Share Value $12.40
Total $1,759.24 Total Return 81.00
Graham Number AEPS #DIV/0! $0.00 $0.00 $0.00 #DIV/0! $0.00 $0.00 $0.00 #DIV/0! #DIV/0! $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0! <-Total Growth 7 Graham Number AEPS
Increase #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 0 Increase
Price/GP Ratio Med #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 0 Price/GP Ratio Med
Price/GP Ratio High #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 0 Price/GP Ratio High
Price/GP Ratio Low #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 0 Price/GP Ratio Low
Price/GP Ratio Close #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 0 Price/GP Ratio Close
Prem/Disc Close #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 0 Graham Price
Graham Number EPS #DIV/0! $0.00 $15.01 $15.07 #DIV/0! $0.00 $0.00 $15.42 #DIV/0! #DIV/0! $0.00 $16.01 $16.02 $16.24 $16.16 $16.24 6.75% <-Total Growth 7 Graham Number EPS
Increase #DIV/0! #DIV/0! #DIV/0! 0.43% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 0.09% 1.36% -0.50% 0.50% #DIV/0! <-Median-> 2 Increase
Price/GP Ratio Med #DIV/0! #DIV/0! 0.82 0.83 #DIV/0! #DIV/0! #DIV/0! 0.91 #DIV/0! #DIV/0! #DIV/0! 0.68 0.71 0.73 #DIV/0! <-Median-> 4 Price/GP Ratio Med
Price/GP Ratio High #DIV/0! #DIV/0! 0.87 0.86 #DIV/0! #DIV/0! #DIV/0! 0.97 #DIV/0! #DIV/0! #DIV/0! 0.76 0.76 0.77 #DIV/0! <-Median-> 4 Price/GP Ratio High
Price/GP Ratio Low #DIV/0! #DIV/0! 0.78 0.79 #DIV/0! #DIV/0! #DIV/0! 0.85 #DIV/0! #DIV/0! #DIV/0! 0.60 0.65 0.68 #DIV/0! <-Median-> 4 Price/GP Ratio Low
Price/GP Ratio Close #DIV/0! #DIV/0! 0.83 0.84 #DIV/0! #DIV/0! #DIV/0! 0.95 #DIV/0! #DIV/0! #DIV/0! 0.68 0.75 0.72 0.72 0.80 #DIV/0! <-Median-> 4 Price/GP Ratio Close
Prem/Disc Close #DIV/0! #DIV/0! -17.38% -16.01% #DIV/0! #DIV/0! #DIV/0! -4.54% #DIV/0! #DIV/0! #DIV/0! -32.28% -25.48% -28.27% -27.91% -19.96% #DIV/0! <-Median-> 4 Graham Price
Based on EPS 3 Yrs EPS #DIV/0! $0.00 $0.00 $8.68 #DIV/0! $0.00 $0.00 $15.51 #DIV/0! #DIV/0! $0.00 $15.54 $15.72 $15.90 $16.12 $16.16 #DIV/0! <-Total Growth 7 Based on EPS 3 Yrs EPS
Increase #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 1.13% 1.19% 1.35% 0.27% #DIV/0! <-Median-> 1 Increase
Price/GP Ratio Med #DIV/0! #DIV/0! #DIV/0! 1.43 #DIV/0! #DIV/0! #DIV/0! 0.90 #DIV/0! #DIV/0! #DIV/0! 0.70 0.72 0.74 #DIV/0! <-Median-> 4 Price/GP Ratio Med
Price/GP Ratio High #DIV/0! #DIV/0! #DIV/0! 1.50 #DIV/0! #DIV/0! #DIV/0! 0.97 #DIV/0! #DIV/0! #DIV/0! 0.78 0.78 0.78 #DIV/0! <-Median-> 4 Price/GP Ratio High
Price/GP Ratio Low #DIV/0! #DIV/0! #DIV/0! 1.37 #DIV/0! #DIV/0! #DIV/0! 0.84 #DIV/0! #DIV/0! #DIV/0! 0.61 0.66 0.70 #DIV/0! <-Median-> 4 Price/GP Ratio Low
Price/GP Ratio Close #DIV/0! #DIV/0! #DIV/0! 1.46 #DIV/0! #DIV/0! #DIV/0! 0.95 #DIV/0! #DIV/0! #DIV/0! 0.70 0.76 0.73 0.72 0.80 #DIV/0! <-Median-> 4 Price/GP Ratio Close
Prem/Disc Close #DIV/0! #DIV/0! #DIV/0! 45.85% #DIV/0! #DIV/0! #DIV/0! -5.12% #DIV/0! #DIV/0! #DIV/0! -30.25% -24.02% -26.74% -27.72% -19.56% #DIV/0! <-Median-> 4 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 34.00 <Count Years> 33 Month, Year
Price Close $13.61 $12.20 $12.40 $12.66 $13.76 $13.03 $13.15 $14.72 $12.73 $14.35 $10.69 $10.84 $11.94 $11.65 $11.65 $13.00 -3.85% <-Total Growth 10 Stock Price
Increase 3.18% -10.36% 1.64% 2.10% 8.69% -5.31% 0.92% 11.94% -13.52% 12.73% -25.51% 1.40% 10.15% -2.43% 0.00% 11.59% 21.10 <-Median-> 10 CAPE (10 Yr P/E)
P/E Ratio #DIV/0! #DIV/0! 12.85 13.05 14.48 13.24 13.66 15.43 14.00 15.23 11.48 11.02 12.06 11.53 11.65 12.87 -4.10% <-IRR #YR-> 5 Stock Price -18.89%
Trailing P/E Ratio #DIV/0! #DIV/0! #DIV/0! 13.12 14.19 13.72 13.36 15.29 13.34 15.79 11.35 11.64 12.13 11.77 11.53 13.00 -0.38% <-IRR #YR-> 10 Stock Price -3.71%
CAPE (10 Yr P/E) #DIV/0! #DIV/0! 118.54 60.09 41.45 31.66 26.16 22.58 19.63 17.36 15.14 13.43 13.35 13.19 12.90 12.87 2.99% <-IRR #YR-> 5 Price & Dividend 13.89%
Median 10, 5 Yrs D.  per yr 8.01% 7.09% % Tot Ret 104.94% 237.07% T P/E $13.35 $12.13 P/E:  $13.45 $12.06 -14.23% Diff M/C 7.63% <-IRR #YR-> 10 Price & Dividend 75.15%
Price 15 D.  per yr 8.96% % Tot Ret 91.18% CAPE Diff -45.35% 0.87% <-IRR #YR-> 15 Stock Price 13.82%
Price  20 D.  per yr 8.65% % Tot Ret 97.34% 0.24% <-IRR #YR-> 20 Stock Price 4.83%
Price  25 D.  per yr 8.03% % Tot Ret 91.43% 0.75% <-IRR #YR-> 25 Stock Price 20.61%
Price & Dividend 15 9.83% <-IRR #YR-> 15 Price & Dividend 154.14%
Price & Dividend 20 8.89% <-IRR #YR-> 20 Price & Dividend 178.69%
Price & Dividend 25 8.78% <-IRR #YR-> 25 Price & Dividend 256.35%
Price  5 -$14.72 $0.00 $0.00 $0.00 $0.00 $11.94 Price  5
Price 10 -$12.40 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.94 Price 10
Price & Dividend 5 -$14.72 $0.94 $0.95 $0.95 $0.99 $12.93 Price & Dividend 5
Price & Dividend 10 -$12.40 $0.99 $0.97 $1.01 $0.99 $1.01 $0.94 $0.95 $0.95 $0.99 $12.93 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 $11.94 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 $11.94 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 $11.94 Price  25
Price & Dividend 15 $0.99 $0.98 $0.97 $0.99 $0.97 $1.01 $0.99 $1.01 $0.94 $0.95 $0.95 $0.99 $12.93 Price & Dividend 15
Price & Dividend 20 $0.99 $0.98 $0.97 $0.99 $0.97 $1.01 $0.99 $1.01 $0.94 $0.95 $0.95 $0.99 $12.93 Price & Dividend 20
Price & Dividend 25 $0.99 $0.98 $0.97 $0.99 $0.97 $1.01 $0.99 $1.01 $0.94 $0.95 $0.95 $0.99 $12.93 Price & Dividend 25
Price H/L Median $13.38 $12.77 $12.37 $12.44 $13.22 $13.30 $13.00 $14.04 $11.60 $14.24 $12.57 $10.85 $11.32 $11.79 11.59% -9.28% <-Total Growth 10 Stock Price
Increase 6.27% -4.60% -3.09% 0.57% 6.27% 0.57% -2.22% 8.00% -17.41% 22.77% -11.73% -13.65% 4.33% 4.11% 8.76% -4.22% <-IRR #YR-> 5 Stock Price -24.03%
P/E Ratio #DIV/0! #DIV/0! 12.82 12.82 13.92 13.51 13.50 14.72 12.76 15.11 13.50 11.03 11.43 11.67 20.35% -0.88% <-IRR #YR-> 10 Stock Price -9.28%
Trailing P/E Ratio #DIV/0! #DIV/0! #DIV/0! 12.89 13.63 13.99 13.21 14.58 12.15 15.66 13.34 11.65 11.50 11.90 3.23% <-IRR #YR-> 5 Price & Dividend -24.03%
P/E on Running 5 yr Average #DIV/0! #DIV/0! 64.09 32.14 22.91 17.18 13.45 14.56 12.18 14.98 13.37 11.49 11.90 12.13 7.31% <-IRR #YR-> 10 Price & Dividend 70.57%
P/E on Running 10 yr Average #DIV/0! #DIV/0! 128.19 64.29 45.82 34.36 26.90 24.27 17.32 18.64 14.67 11.36 11.82 12.25 #DIV/0! P/E Ratio Historical Median 14.99%
Median 10, 5 Yrs D.  per yr 7.45% 8.19% % Tot Ret 230.36% 112.08% T P/E 13.28 12.15 P/E:  13.50 12.76 Count 25 Years of data
-$14.04 $0.00 $0.00 $0.00 $0.00 $11.32
-$12.37 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.32
-$14.04 $0.94 $0.95 $0.95 $0.99 $12.31
-$12.37 $0.99 $0.97 $1.01 $0.99 $1.01 $0.94 $0.95 $0.95 $0.99 $12.31
High Months Sep Jan Nov Dec Dec Mar Nov Dec Feb Oct Jan Feb Dec  Jun
Price High $14.01 $13.98 $13.04 $13.03 $14.14 $14.45 $13.51 $14.98 $15.45 $15.73 $14.65 $12.17 $12.24 $12.47 -6.54% <-Total Growth 10 Stock Price
Increase 5.50% -0.21% -6.72% -0.08% 8.52% 2.19% -6.51% 10.88% 3.14% 1.81% -6.87% -16.93% 0.58% 1.88% -3.96% <-IRR #YR-> 5 Stock Price -22.39%
P/E Ratio #DIV/0! #DIV/0! 13.51 13.43 14.88 14.68 14.03 15.70 17.00 16.70 15.74 12.37 12.36 12.35 -0.63% <-IRR #YR-> 10 Stock Price -6.54%
Trailing P/E Ratio #DIV/0! #DIV/0! #DIV/0! 13.50 14.58 15.21 13.73 15.56 16.19 17.30 15.55 13.07 12.44 12.60 #DIV/0! P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 14.89 15.55 P/E:  14.78 15.74 #DIV/0! P/E Ratio Historical High
-$14.98 $0.00 $0.00 $0.00 $0.00 $12.24
-$13.04 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $12.24
Low Months Apr Apr Feb Jan Jan Sep Feb Feb Mar Jan Dec Oct May Apr
Price Low $12.75 $11.55 $11.70 $11.85 $12.30 $12.14 $12.49 $13.10 $7.74 $12.74 $10.48 $9.53 $10.40 $11.10 -12.50% <-Total Growth 10 Stock Price
Increase 7.14% -9.41% 1.30% 1.28% 3.80% -1.30% 2.88% 4.88% -40.92% 64.60% -17.74% -9.06% 9.13% 6.73% -4.51% <-IRR #YR-> 5 Stock Price -25.96%
P/E Ratio #DIV/0! #DIV/0! 12.12 12.22 12.95 12.34 12.97 13.73 8.51 13.52 11.26 9.68 10.51 10.99 -1.17% <-IRR #YR-> 10 Stock Price -12.50%
Trailing P/E Ratio #DIV/0! #DIV/0! #DIV/0! 12.28 12.68 12.78 12.69 13.60 8.11 14.02 11.13 10.24 10.57 11.21 #DIV/0! P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 12.48 10.57 P/E:  12.28 10.51 #DIV/0! P/E Ratio Historical Low
-$11.70 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $10.40
-$14 <-12 mths 0.00%
Free Cash Flow MS $22.31 $22.57 $27.64 $28.66 $30.67 $30.08 $33.67 $41.52 $51.95 -$13.89 -$13.89 <-12 mths -162.26% <-Total Growth 9 Free Cash Flow
Change 1.17% 22.46% 3.69% 7.01% -1.92% 11.93% 23.31% 25.12% -126.74% 0.00% <-12 mths #NUM! <-IRR #YR-> 5 Free Cash Flow MS -145.29%
FCF/CF from Op Ratio 0.80 #DIV/0! #DIV/0! #DIV/0! 0.75 #DIV/0! #DIV/0! #DIV/0! 0.46 1.01 -0.24 <-12 mths #NUM! <-IRR #YR-> 9 Free Cash Flow MS #DIV/0!
Free Cash Flow Yield 0.09 #DIV/0! 0.08 0.08 0.07 #DIV/0! #DIV/0! 0.11 0.14 -0.03 -0.03 <-12 mths #DIV/0! <-Median-> 7 Free Cash Flow Yield
Dividends paid $0.00 $0.00 $0.00 $32.76 $34.85 $37.47 <-12 mths #DIV/0! <-Total Growth 4 Dividends paid
Percentage paid 0.00% 0.00% 0.00% 63.07% -250.87% -269.78% <-12 mths $0.00 <-Median-> 5 Percentage paid
5 Year Coverage 47.17% 105.76% <-12 mths 5 Year Coverage
Dividend Coverage Ratio 0.00 0.00 0.00 1.59 -0.40 -0.37 <-12 mths 0.00 <-Median-> 5 Dividend Coverage Ratio
5 Year of Coverage 2.12 0.95 <-12 mths 5 Year of Coverage
Market Cap in $M $0.0 $221.1 $250.0 $257.2 $0.0 $339.6 $343.8 $417.1 $0.0 $0.0 $368.7 $373.9 $438.6 $428.0 $428.0 $477.6 75.44% <-Total Growth 10 Market Cap 75.44%
Diluted # of Shares in Millions 0.00 0.00 24.47 26.06 0.00 0.00 0.00 39.02 0.00 0.00 0.00 41.08 39.92 36.74 36.74 36.74 63.11% <-Total Growth 10 Diluted # of Shares in Million
Change #DIV/0! #DIV/0! #DIV/0! 6.49% -100.00% #DIV/0! #DIV/0! #DIV/0! -100.00% #DIV/0! #DIV/0! #DIV/0! -2.82% -7.97% 0.00% 0.00% 5.01% <-IRR #YR-> 10 Change
Difference Diluted/Basic #DIV/0! #DIV/0! -18.3% -22.3% #DIV/0! #DIV/0! #DIV/0! -28.8% #DIV/0! #DIV/0! #DIV/0! -1.6% -1.0% 0.0% 0.0% 0.0% 0.45% <-IRR #YR-> 5 Difference Diluted/Basic
Change in Diluted Shares per Year
Basic # of Shares in Millions 0.00 0.00 20.00 20.25 0.00 0.00 0.00 27.8 0.00 0.00 0.00 40.42 39.54 36.74 36.74 36.74 97.73% <-Total Growth 10 Basic
Change #DIV/0! #DIV/0! #DIV/0! 1.29% -100.00% #DIV/0! #DIV/0! #DIV/0! -100.00% #DIV/0! #DIV/0! #DIV/0! -2.18% -7.09% 0.00% 0.00% #DIV/0! <-Median-> 4 Change
Difference Basic/Outstanding #DIV/0! #DIV/0! 0.83% 0.30% #DIV/0! #DIV/0! #DIV/0! 1.97% #DIV/0! #DIV/0! #DIV/0! -14.67% -7.09% 0.00% 0.00% 0.00% #DIV/0! <-Median-> 4 Difference Basic/Outstanding
$58 <-12 mths 524.50% Estimates last 12 months from Qtr.
# of Share in Millions 0.000 18.126 20.162 20.314 0.000 26.064 26.144 28.335 0.000 0.000 34.486 34.489 36.734 36.737 36.737 36.737 6.18% <-IRR #YR-> 10 Shares 82.19%
Change #DIV/0! #DIV/0! 11.23% 0.75% -100.00% #DIV/0! 0.30% 8.38% -100.00% #DIV/0! #DIV/0! 0.01% 6.51% 0.01% <-12 mths 5.33% <-IRR #YR-> 5 Shares 29.64%
Cash Flow from Operations $M $0.0 $0.0 $27.8 $28.0 $0.0 $0.0 $0.0 $40.6 $0.0 $0.0 $0.0 $112.9 -$13.8 $58.4 <-12 mths -149.50% <-Total Growth 10 Cash Flow
Increase #DIV/0! #DIV/0! #DIV/0! 0.89% -100.00% #DIV/0! #DIV/0! #DIV/0! -100.00% #DIV/0! #DIV/0! #DIV/0! -112.19% 524.50% <-12 mths Why increase decrease
5 year Running Average $0.0 $0.0 $5.6 $11.2 $11.2 $11.2 $11.2 $13.7 $8.1 $8.1 $8.1 $30.7 $19.8 $31.5 <-12 mths 256.46% <-Total Growth 10 CF 5 Yr Running
CFPS #DIV/0! $0.00 $1.38 $1.38 #DIV/0! $0.00 $0.00 $1.43 #DIV/0! #DIV/0! $0.00 $3.27 -$0.37 $1.59 <-12 mths 468.03% <-Total Growth 10 Cash Flow per Share
Increase #DIV/0! #DIV/0! #DIV/0! 0.13% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! -111.45% 524.47% <-12 mths #NUM! <-IRR #YR-> 10 Cash Flow -149.50%
5 year Running Average #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-12 mths #NUM! <-IRR #YR-> 5 Cash Flow -133.86%
P/CF on Med Price #DIV/0! #DIV/0! 8.97 9.01 #DIV/0! #DIV/0! #DIV/0! 9.79 #DIV/0! #DIV/0! #DIV/0! 3.32 -30.21 7.41 <-12 mths #NUM! <-IRR #YR-> 10 Cash Flow per Share -127.17%
P/CF on Closing Price #DIV/0! #DIV/0! 8.99 9.17 #DIV/0! #DIV/0! #DIV/0! 10.26 #DIV/0! #DIV/0! #DIV/0! 3.31 -31.87 7.33 <-12 mths #NUM! <-IRR #YR-> 5 Cash Flow per Share -126.12%
#DIV/0! Diff M/C #VALUE! <-IRR #YR-> 8 CFPS 5 yr Running #DIV/0!
$62.40 <-12 mths 0.00%
Excl.Working Capital CF $0.0 $0.0 -$0.5 $2.3 $0.0 $0.0 $0.0 $1.7 $0.0 $0.0 $0.0 $1.9 $76.2 $0.0 #VALUE! <-IRR #YR-> 3 CFPS 5 yr Running #DIV/0!
Cash Flow from Operations $M WC $0.0 $0.0 $27.3 $30.3 $0.0 $0.0 $0.0 $42.4 $0.0 $0.0 $0.0 $114.7 $62.4 $58.4 128.57% <-Total Growth 10 Cash Flow less WC
Increase #DIV/0! #DIV/0! #DIV/0! 11.01% -100.00% #DIV/0! #DIV/0! #DIV/0! -100.00% #DIV/0! #DIV/0! #DIV/0! -45.62% -6.37% 8.62% <-IRR #YR-> 10 Cash Flow less WC 128.57%
5 year Running Average $0.0 $0.0 $5.5 $11.5 $11.5 $11.5 $11.5 $14.5 $8.5 $8.5 $8.5 $31.4 $35.4 $47.1 8.04% <-IRR #YR-> 5 Cash Flow less WC 47.23%
CFPS Excl. WC #DIV/0! $0.00 $1.35 $1.49 #DIV/0! $0.00 $0.00 $1.50 #DIV/0! #DIV/0! $0.00 $3.33 $1.70 $1.59 20.56% <-IRR #YR-> 10 CF less WC 5 Yr Run 548.87%
Increase #DIV/0! #DIV/0! #DIV/0! 10.18% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! -48.94% -6.37% 19.50% <-IRR #YR-> 5 CF less WC 5 Yr Run 143.71%
5 year Running Average #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 2.29% <-IRR #YR-> 10 CFPS - Less WC 25.45%
P/CF on Median Price #DIV/0! #DIV/0! 9.14 8.34 #DIV/0! #DIV/0! #DIV/0! 9.39 #DIV/0! #DIV/0! #DIV/0! 3.26 6.66 7.41 2.58% <-IRR #YR-> 5 CFPS - Less WC 13.57%
P/CF on Closing Price #DIV/0! #DIV/0! 9.16 8.49 #DIV/0! #DIV/0! #DIV/0! 9.84 #DIV/0! #DIV/0! #DIV/0! 3.26 7.03 7.33 #VALUE! <-IRR #YR-> 8 CFPS 5 yr Running #DIV/0!
*Operational Cash Flow. CF/-WC P/CF Med 10 yr #DIV/0! 5 yr  #DIV/0! P/CF Med 10 yr #DIV/0! 5 yr  #DIV/0! #DIV/0! Diff M/C #VALUE! <-IRR #YR-> 3 CFPS 5 yr Running #DIV/0!
-$1.38 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -$0.37 Cash Flow per Share
-$1.43 $0.00 $0.00 $0.00 $0.00 -$0.37 Cash Flow per Share
#DIV/0! $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 #DIV/0! CFPS 5 yr Running
#DIV/0! $0.00 $0.00 $0.00 $0.00 #DIV/0! CFPS 5 yr Running
-$27.3 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $62.4 Cash Flow less WC
-$42.4 $0.0 $0.0 $0.0 $0.0 $62.4 Cash Flow less WC
-$5.5 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $35.4 CF less WC 5 Yr Run
-$14.5 $0.0 $0.0 $0.0 $0.0 $35.4 CF less WC 5 Yr Run
-$1.35 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.70 CFPS - Less WC
-$1.50 $0.00 $0.00 $0.00 $0.00 $1.70 CFPS - Less WC
For banks, use Net Income, not CF
OPM Ratio #DIV/0! #DIV/0! 90.58% 82.48% #DIV/0! #DIV/0! #DIV/0! 85.86% 0.00% 0.00% 0.00% 156.96% -20.05% 90.16% 551.72% <-Total Growth 7 OPM
Increase #DIV/0! #DIV/0! #DIV/0! -8.95% #DIV/0! #DIV/0! #DIV/0! #DIV/0! -100.00% #DIV/0! #DIV/0! #DIV/0! -112.78% 549.61% Should increase  or be stable.
Diff from Median #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 0 OPM
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs #DIV/0! 5 Yrs 0.00% should be  zero, it is a   check on calculations
$0 <-12 mths #DIV/0!
Adjusted EBITDA $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 #DIV/0! <-Total Growth 10 Adjusted EBITDA
Change #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 0 Change
EBITDA Margin #DIV/0! #DIV/0! 0.00% 0.00% #DIV/0! #DIV/0! #DIV/0! 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% #DIV/0! <-Median-> 7 EBITDA Margin
Long Term Debt $0.00 $0.00 $15.00 $43.13 $0.00 $0.00 $0.00 $20.34 $0.00 $0.00 $0.00 $24.68 $66.32 $66.32 342.24% <-Total Growth 10 Debt Type
Change 0.00% 0.00% 0.00% 187.63% -100.00% 0.00% 0.00% 0.00% -100.00% 0.00% 0.00% 0.00% 168.73% 0.00% 0.00% <-Median-> 10 Change Lg Term R
Debt/Market Cap Ratio #DIV/0! 0.00 0.06 0.17 #DIV/0! 0.00 0.00 0.05 #DIV/0! #DIV/0! 0.00 0.07 0.15 0.15 #DIV/0! <-Median-> 7 Debt/Market Cap Ratio Intang/GW
Assets/Current Liabilities Ratio #DIV/0! #DIV/0! 162.44 185.58 #DIV/0! #DIV/0! #DIV/0! 382.77 #DIV/0! #DIV/0! #DIV/0! 192.41 209.52 301.27 #DIV/0! <-Median-> 4 Assets/Current Liab Ratio Liquidity
Current Liabilities/Asset Ratio #DIV/0! #DIV/0! 0.01 0.01 #DIV/0! #DIV/0! #DIV/0! 0.00 #DIV/0! #DIV/0! #DIV/0! 0.01 0.00 0.00 #DIV/0! <-Median-> 4 Current Liab/Asset Ratio Liq. + CF
Debt to Cash Flow (Years) #DIV/0! #DIV/0! 0.54 1.54 #DIV/0! #DIV/0! #DIV/0! 0.50 #DIV/0! #DIV/0! #DIV/0! 0.22 0.00 1.14 #DIV/0! <-Median-> 4 Debt to Cash Flow (Years) Debt Ratio
Leverage
Intangibles $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 #DIV/0! <-Total Growth 10 Intangibles D/E Ratio
Goodwill $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 #DIV/0! <-Total Growth 10 Goodwill
Total $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 #DIV/0! <-Total Growth 10 Total
Change 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% <-Median-> 10 Change
Intangible/Market Cap Ratio #DIV/0! 0.00 0.00 0.00 #DIV/0! 0.00 0.00 0.00 #DIV/0! #DIV/0! 0.00 0.00 0.00 0.00 #DIV/0! <-Median-> 7 Intangible/Market Cap Ratio
Current Assets $0.0 $0.0 $2.4 $4.7 $0.0 $0.0 $0.0 $4.1 $0.0 $0.0 $0.0 $15.2 $8.1 $7.1 229.11% <-Total Growth 10 Current Assets
Current Liabilities $0.0 $0.0 $2.1 $2.2 $0.0 $0.0 $0.0 $1.3 $0.0 $0.0 $0.0 $3.1 $3.0 $2.0 41.91% <-Total Growth 10 Current Liabilities
Liquidity Ratio #DIV/0! #DIV/0! 1.15 2.15 #DIV/0! #DIV/0! #DIV/0! 3.27 #DIV/0! #DIV/0! #DIV/0! 4.94 2.67 3.59 #DIV/0! <-Median-> 4 Ratio
Liq. with CF aft div #DIV/0! #DIV/0! 14.25 14.92 #DIV/0! #DIV/0! #DIV/0! 35.70 #DIV/0! #DIV/0! #DIV/0! 41.78 -1.90 32.98 #DIV/0! <-Median-> 2 Liq. with CF aft div
Liq. with CF aft div (WC) #DIV/0! #DIV/0! 1.38 1.57 #DIV/0! #DIV/0! #DIV/0! 1.59 #DIV/0! #DIV/0! #DIV/0! 3.02 1.67 1.66 Liq. with CF aft div (WC)
Liq. CF re  Inv+Div  #DIV/0! #DIV/0! 0.30 0.06 #DIV/0! #DIV/0! #DIV/0! 1.50 #DIV/0! #DIV/0! #DIV/0! 4.72 2.68 3.29 #DIV/0! <-Median-> 2 Liq. CF re  Inv+Div 
Curr Long Term Debt $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.0 <-Median-> 5 Curr Long Term Debt
Liquidity Less CLTD #DIV/0! #DIV/0! 1.15 2.15 #DIV/0! #DIV/0! #DIV/0! 3.27 #DIV/0! #DIV/0! #DIV/0! 4.94 2.67 3.59 #DIV/0! <-Median-> 2 Liquidity Less CLTD
Liq. with CF aft div #DIV/0! 0.00 5.04 5.75 #DIV/0! 0.00 0.00 12.96 #DIV/0! #DIV/0! 0.00 30.63 0.20 14.13 #DIV/0! <-Median-> 3 Liq. with CF aft div
Banks usually have a ratio of 1.04 or 1.05
Assets $0.0 $0.0 $344.9 $407.4 $0.0 $0.0 $0.0 $479.8 $0.0 $0.0 $0.0 $589.6 $631.2 $598.7 83.04% <-Total Growth 10 Assets
Liabilities $0.0 $0.0 $135.7 $195.9 $0.0 $0.0 $0.0 $165.9 $0.0 $0.0 $0.0 $190.4 $207.8 $172.3 53.19% <-Total Growth 10 Liabilities
Debt Ratio #DIV/0! #DIV/0! 2.54 2.08 #DIV/0! #DIV/0! #DIV/0! 2.89 #DIV/0! #DIV/0! #DIV/0! 3.10 3.04 3.47 #DIV/0! <-Median-> 4 Ratio
Estimates BVPS $0.00 $0.00 $0.00 Estimates Estimates BVPS
Estimate Book Value $0.0 $0.0 $0.0 Estimates Estimate Book Value
P/B Ratio (Close) #DIV/0! #DIV/0! #DIV/0! Estimates P/B Ratio (Close)
Difference from 10 year median #DIV/0! Diff M/C Estimates Difference from 10 yr med.
Book Value $0.0 $0.0 $209.2 $211.5 $0.0 $0.0 $0.0 $313.9 $0.0 $0.0 $0.0 $399.2 $423.4 $426.4 $426.4 $426.4 102.39% <-Total Growth 10 Book Value
Book Value per share #DIV/0! $0.00 $10.38 $10.41 #DIV/0! $0.00 $0.00 $11.08 #DIV/0! #DIV/0! $0.00 $11.57 $11.53 $11.61 $11.61 $11.61 11.09% <-Total Growth 7 Book Value per Share
Increase #DIV/0! #DIV/0! #DIV/0! 0.34% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! -0.42% 0.71% 0.00% 0.00% #DIV/0! P/B Ratio Current/Historical Median
P/B Ratio (Median) #DIV/0! #DIV/0! 1.19 1.19 #DIV/0! #DIV/0! #DIV/0! 1.27 #DIV/0! #DIV/0! #DIV/0! 0.94 0.98 1.02 0.01 0.00 #DIV/0! P/B Ratio Historical Median
P/B Ratio (Close) #DIV/0! #DIV/0! 1.20 1.22 #DIV/0! #DIV/0! #DIV/0! 1.33 #DIV/0! #DIV/0! #DIV/0! 0.94 1.04 1.00 1.00 1.12 1.06% <-IRR #YR-> 10 Book Value per Share 11.09%
Change #DIV/0! #DIV/0! #DIV/0! 1.75% #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 10.61% -3.11% 0.00% 11.59% 0.80% <-IRR #YR-> 5 Book Value per Share 4.04%
Median 10 year P/B Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 0 Median 10 year P/B Ratio
Leverage (A/BK) #DIV/0! #DIV/0! 1.65 1.93 #DIV/0! #DIV/0! #DIV/0! 1.53 #DIV/0! #DIV/0! #DIV/0! 1.48 1.49 1.40 #DIV/0! <-Median-> 2 A/BV
Debt/Equity Ratio #DIV/0! #DIV/0! 0.65 0.93 #DIV/0! #DIV/0! #DIV/0! 0.53 #DIV/0! #DIV/0! #DIV/0! 0.48 0.49 0.40 #DIV/0! <-Median-> 2 Debt/Eq Ratio
Shareholders' Equity (Assets less Liabilities) P/B Ratios 10 yr Med #DIV/0! 5 yr Med #DIV/0! #DIV/0! Diff M/C #DIV/0! Historical Leverage (A/BK)
-$10.38 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.53
-$11.08 $0.00 $0.00 $0.00 $0.00 $11.53
$35.23 <-12 mths 0.00% Estimates last 12 months from Qtr.
Total Comprehensive Income $0.00
NCI $0.00
Shareholders $0.00 $19.51 $20.08 $0.00 $0.00 $0.00 $28.00 $26.4 $27.0 $32.2 $34.2 $35.2 80.57% <-Total Growth 10 Comprehensive Income
Increase 0.00% 2.93% 0.00% 0.00% 0.00% 0.00% -5.89% 2.40% 19.45% 5.99% 3.11% 3.11% <-Median-> 5 Comprehensive Income
5 Yr Running Average $8 $8 $10 $11 $16 $23 $30 $31 6.09% <-IRR #YR-> 10 Comprehensive Income 80.57%
ROE #DIV/0! 9.3% 9.5% #DIV/0! #DIV/0! #DIV/0! 8.9% #DIV/0! #DIV/0! #DIV/0! 8.6% 8.3% 4.70% <-IRR #YR-> 5 Comprehensive Income 25.81%
5Yr Median #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #NUM! <-IRR #YR-> 10 5 Yr Running Average #DIV/0!
% Difference from Net Income #DIV/0! 0.0% 0.0% #DIV/0! #DIV/0! #DIV/0! 0.0% #DIV/0! #DIV/0! #DIV/0! 0.0% 0.00% 26.37% <-IRR #YR-> 5 5 Yr Running Average 222.28%
Median Values Diff 5, 10 yr #DIV/0! #DIV/0! #DIV/0! <-Median-> 2 Return on Equity
-$19.5 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $35.2
-$28.0 $0.0 $0.0 $0.0 $0.0 $35.2
$0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $31.0
-$9.6 $0.0 $0.0 $0.0 $0.0 $31.0
Current Liability Coverage Ratio #DIV/0! #DIV/0! 12.86 13.80 #DIV/0! #DIV/0! #DIV/0! 33.81 #DIV/0! #DIV/0! #DIV/0! 37.44 20.71 29.40   CFO / Current Liabilities
5 year Median #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 4 Current Liability Cov Ratio
Asset Efficiency Ratio #DIV/0! #DIV/0! 7.92% 7.44% #DIV/0! #DIV/0! #DIV/0! 8.83% #DIV/0! #DIV/0! #DIV/0! 19.46% 9.89% 9.76% CFO / Total Assets
5 year Median #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 4 Return on Assets 
Return on Assets ROA #DIV/0! #DIV/0! 5.66% 4.93% #DIV/0! #DIV/0! #DIV/0! 5.84% #DIV/0! #DIV/0! #DIV/0! 5.79% 5.58% 0.00% Net  Income/Assets Return on Assets
5Yr Median #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 4 Asset Efficiency Ratio
Return on Equity ROE #DIV/0! #DIV/0! 9.33% 9.50% #DIV/0! #DIV/0! #DIV/0! 8.92% #DIV/0! #DIV/0! #DIV/0! 8.56% 8.32% 0.00% Net Inc/ Shareholders' equity Return on Equity
5Yr Median #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! <-Median-> 4 Return on Equity
$38 <-12 mths 7.58% Estimates Last 12 months from Qtr
Net Income $0.0 $0.0 $19.51 $20.08 $0.0 $0.0 $0.0 $28.00 $26.4 $27.0 $32.2 $34.2 $35.2 $0.0 $0.0 $0.0 80.57% <-Total Growth 10 Net Income
Increase #DIV/0! #DIV/0! #DIV/0! 2.93% -100.00% #DIV/0! #DIV/0! #DIV/0! -5.89% 2.40% 19.45% 5.99% 3.11% -100.00% #DIV/0! #DIV/0! EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $0.0 $0.0 $3.9 $7.9 $7.9 $7.9 $7.9 $9.6 $10.9 $16.3 $22.7 $30 $31 $25.7 $20.3 $13.9 6.09% <-IRR #YR-> 10 Net Income 80.57%
Operating Cash Flow $0.0 $0.0 $27.8 $28.0 $0.0 $0.0 $0.0 $40.6 $0.0 $0.0 $0.0 $112.9 -$13.8 4.70% <-IRR #YR-> 5 Net Income 25.81%
Investment Cash Flow $0.0 $0.0 -$5.5 -$61.2 $0.0 $0.0 $0.0 $40.0 $0.0 $0.0 $0.0 $0.0 $0.0 23.03% <-IRR #YR-> 10 5 Yr Running Average 694.28%
Total Accruals $0.0 $0.0 -$2.8 $53.3 $0.0 $0.0 $0.0 -$52.7 $26.4 $27.0 $32.2 -$78.7 $49.0 26.37% <-IRR #YR-> 5 5 Yr Running Average 222.28%
Total Assets $0.0 $0.0 $344.9 $407.4 $0.0 $0.0 $0.0 $479.8 $0.0 $0.0 $0.0 $589.6 $631.2 Balance Sheet Assets
Accruals Ratio #DIV/0! #DIV/0! -0.82% 13.08% #DIV/0! #DIV/0! #DIV/0! -10.97% #DIV/0! #DIV/0! #DIV/0! -13.35% 7.76% #DIV/0! <-Median-> 5 Ratio
EPS/CF Ratio (WC) #DIV/0! 0.00 0.71 0.65 #DIV/0! 0.00 0.00 0.64 #DIV/0! #DIV/0! 0.00 0.30 0.58 #DIV/0! <-Median-> 7 EPS/CF Ratio
-$19.5 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $35.2
-$28.0 $0.0 $0.0 $0.0 $0.0 $35.2
-$3.9 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $31.0
-$9.6 $0.0 $0.0 $0.0 $0.0 $31.0
Change in Close 3.18% -10.36% 1.64% 2.10% 8.69% -5.31% 0.92% 11.94% -13.52% 12.73% -25.51% 1.40% 10.15% -2.43% 0.00% 11.59% Count 26 Years of data
up/down up Count 1 3.85%
Meet Prediction? % right Count 0 0.00%
Financial Cash Flow $0.0 $0.0 $7.8 $6.1 $0.0 $0.0 $0.0 -$68.3 $0.0 $0.0 $0.0 -$88.3 -$7.3 C F Statement  Financial Cash Flow
Total Accruals $0.0 $0.0 -$10.6 $47.1 $0.0 $0.0 $0.0 $15.6 $26.4 $27.0 $32.2 $9.6 $56.3 Accruals
Accruals Ratio #DIV/0! #DIV/0! -3.07% 11.57% #DIV/0! #DIV/0! #DIV/0! 3.26% #DIV/0! #DIV/0! #DIV/0! 1.62% 8.92% #DIV/0! <-Median-> 2 Ratio
Cash $0.0 $0.0 -$14.7 -$41.7 $0.0 $0.0 $0.0 -$20.3 $0.0 $0.0 $0.0 $9.4 -$11.7 -$6.5 Cash
Cash per Share #DIV/0! $0.00 -$0.73 -$2.05 #DIV/0! $0.00 $0.00 -$0.72 #DIV/0! #DIV/0! $0.00 $0.27 -$0.32 -$0.18 #DIV/0! <-Median-> 3 Cash per Share
Percentage of Stock Price #DIV/0! 0.00% -5.87% -16.22% #DIV/0! 0.00% 0.00% -4.88% #DIV/0! #DIV/0! 0.00% 2.51% -2.67% -1.52% #DIV/0! <-Median-> 3 % of Stock Price
Notes:
2011.  Converting from a Trust to a Corporation in 2011,
Firm Capital Mortgage Investment Trust (TSX-FC.UN)
Sector:
What should this stock accomplish?
Would I buy this company and Why.
Why am I following this stock. 
It was recommended by Gordon Pape.  
Firm Capital Mortgage Investment Corp. (TSX: FC). Falling interest rates helped boost the price of this mortgage investment corporation by $0.61 a share. 
We continue to collect a steady monthly dividend of $0.078, plus an additional year-end dividend $0.056 a share. The yield is 7.7% at the current price. 
RRIF PORTFOLIO By Gordon Pape
Why I bought this stock.
Note:
Income Trust law changed in October 2006.  It was to take effect for current income trust on January 1, 2011.
Dividends
Dividends are paid monthly.  Dividends are declared often 3 at the same time.  So on April 7, 2025 the April, May and June dividends were declared. 
The Date of record for May 15, 2025 dividend had a Record Date the month before of April.
For example, the dividend declared on April 7, 2025 had a date of record of April 30, 2025 and was payble May 15, 2025.
Most years, the company also pays a special dividend.
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.
Firm Capital Mortgage Investment Corp is a Canadian financial provider. It acts as a non-bank lender providing residential and commercial short-term 
bridge and conventional real estate financing, including construction, mezzanine, and equity investments. The company's revenue comprises Interest 
and fee income and commission fees arising from Canada and United States.  
Shares; '%, Value $M From Years Div. Gth Tot Ret Cap Gain Div. check Shares %, Val $M Shares %, Val $M Update this each year?? Change
Date 2018 5 0.00% 2.99% -4.10% 7.09% 2.99% 2024 22-Dec 2025
Dadouch, Eli 2013 10 0.00% 7.63% -0.38% 8.01% 7.63% 0.299 0.81% 0.305 0.83% 2.10%
CEO - Shares - Amount 2008 15 0.00% 9.83% 0.87% 8.96% 9.83% $3.566 $3.552
Options - percentage 2003 20 -5.37% 8.89% 0.24% 8.65% 8.89% 0.584 1.59% 0.584 1.59% 0.00%
Options - amount 1998 25 0.00% 8.78% 0.75% 8.03% 8.78% $6.973 $6.804
Reuters Options Value 0.000 $0
Lim, Ryan M. 0.003 0.01% 0.003 0.01% 7.19%
CFO - Shares - Amount $0.034 $0.035
Options - percentage 0.184 0.50% 0.184 0.50% 0.00%
Options - amount $2.197 $2.144
Mair, Jonathon 0.139 0.38% 0.127 0.35% -8.63%
Officer - Shares - Amount $1.661 $1.480
Options - percentage 0.234 0.64% 0.234 0.64% 0.00%
Options - amount $2.794 $2.726
Granovski, Victoria Shali 0.013 0.04% 0.013 0.04% 0.00%
Officer - Shares - Amount $0.155 $0.151
Options - percentage 0.117 0.32% 0.117 0.32% 0.00%
Options - amount $1.397 $1.363
Oliver, Joseph 0.040 0.11% 0.040 0.11% 0.00%
Director - Shares - Amount $0.478 $0.466
Options - percentage 0.144 0.39% 0.144 0.39% 0.00%
Options - amount $1.719 $1.678
Shulman, Lawrence Morley 0.019 0.05% 0.019 0.05% 0.00%
Director - Shares - Amount $0.223 $0.218
Options - percentage 0.134 0.36% 0.134 0.36% 0.00%
Options - amount $1.600 $1.561
Goldfarb, Stanley 0.102 0.28% 0.102 0.28% 0.00%
Chairman - Shares - Amt $1.218 $1.188
Options - percentage 0.134 0.36% 0.134 0.36% 0.00%
Options - amount $1.600 $1.561
Increase in O/S Shares 3.725 12.11% 2.725 8.58% Average 4.14%
Due to Stock Options $40.379 $32.537 Zero in both yrs 2024/5
Book Value $52.439 $82.665
Insider Buying $0.000 $0.000
Insider Selling $0.000 $0.000
Net Insider Selling $0.000 $0.000
Net Selling % of Market Cap 0.00% 0.00%
Directors 12
Women 1 8%
Minorities 1 8%
Institutions/Holdings 20 2.74%
Total Shares Held 1.007 2.74%
Increase/Decrease 3 Mths -0.014 -1.39%
Starting No. of Shares 1.021