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
See my website on stocks or see my blog at the following sites.  https://spbrunner.com/stocks.html https://spbrunner.blogspot.com/ 3/31/24 <-estimates
Atrium Mortgage Investment Corp  TSX AI OTC AMIVF https://www.atriummic.com/ Fiscal Yr: Dec 31
Year 12/31/11 12/30/12 12/31/13 12/31/14 12/31/15 12/30/16 12/31/17 12/31/18 12/31/19 12/31/20 12/31/21 12/31/22 12/31/23 12/31/24 12/31/25 12/31/26 Value Description #Y Item Total G
Accounting Rules IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS IFRS Accounting Rules
Split Date 23-Mar-12
Split  100
$99 <-12 mths 1.34%
Mortages $11.415 $17.235 $23.760 $34.956 $40.206 $44.042 $50.359 $58.316 $66.095 $64.362 $63.536 $77.863 $97.970 312.34% <-Total Growth 10 Revenue
Rental $0.076 $0.657 $0.699 $0.508 $0.634 $0.634 <-Median-> 5 Revenue
Revenue* $11.415 $17.235 $23.760 $34.956 $40.206 $44.042 $50.359 $58.316 $66.171 $65.019 $64.235 $78.371 $98.604 $97.910 $87.220 315.01% <-Total Growth 10 Revenue
Increase 35.02% 50.99% 37.86% 47.12% 15.02% 9.54% 14.34% 15.80% 13.47% -1.74% -1.21% 22.01% 25.82% -0.70% -10.92% 15.29% <-IRR #YR-> 10 Revenue 315.01%
5 year Running Average $19.2 $25.5 $32.0 $39 $46 $52 $57 $61 $66 $74 $81 $85 11.08% <-IRR #YR-> 5 Revenue 69.09%
Revenue per Share $0.80 $0.82 $1.12 $1.43 $1.50 $1.62 $1.51 $1.60 $1.58 $1.53 $1.50 $1.81 $2.24 $2.23 $1.98 16.28% <-IRR #YR-> 9 5 yr Running Average #DIV/0!
Increase -17.43% 2.85% 37.06% 27.68% 4.71% 8.45% -6.79% 5.32% -0.90% -3.01% -2.12% 20.52% 24.02% -0.70% -10.92% 10.32% <-IRR #YR-> 5 5 yr Running Average 63.42%
5 year Running Average $1.03 $1.13 $1.30 $1.44 $1.53 $1.56 $1.57 $1.54 $1.60 $1.73 $1.86 $1.95 7.18% <-IRR #YR-> 10 Revenue per Share 100.12%
P/S (Price/Sales) Med 0.00 13.54 9.36 7.89 7.89 7.03 8.03 8.20 8.67 7.06 9.04 6.84 4.96 4.94 0.07 7.05% <-IRR #YR-> 5 Revenue per Share 40.61%
P/S (Price/Sales) Close 12.45 13.39 9.67 7.81 7.61 7.48 8.27 7.89 9.17 8.25 9.36 5.93 4.69 5.07 5.70 6.00% <-IRR #YR-> 9 5 yr Running Average #DIV/0!
*Revenue in M CDN $  P/S Med 20 yr  7.89 15 yr  7.89 10 yr  7.89 5 yr  7.06 -35.67% Diff M/C 2.49% <-IRR #YR-> 5 5 yr Running Average 13.07%
-$23.8 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $98.6
-$58.3 $0.0 $0.0 $0.0 $0.0 $98.6
-$19.2 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $74.5
-$45.6 $0.0 $0.0 $0.0 $0.0 $74.5
-$1.12 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $2.24
-$1.60 $0.00 $0.00 $0.00 $0.00 $2.24
$1.13 <-12 mths -0.88%
Difference Basic and Diluted 0.00% 0.00% 0.00% 0.00% 1.06% 2.06% 1.05% 1.05% 1.03% 1.05% 0.00% 1.85% 3.39%
EPS Basic $0.88 $0.86 $0.85 $0.91 $0.94 $0.97 $0.95 $0.95 $0.97 $0.95 $0.98 $1.08 $1.18 38.82% <-Total Growth 10 EPS Basic
EPS Diluted* $0.88 $0.86 $0.85 $0.91 $0.93 $0.95 $0.94 $0.94 $0.96 $0.94 $0.98 $1.06 $1.14 $1.13 $1.15 34.12% <-Total Growth 10 EPS Diluted
Increase -3.30% -2.27% -1.16% 7.06% 2.20% 2.15% -1.05% 0.00% 2.13% -2.08% 4.26% 8.16% 7.55% -0.88% 1.77% 10 0 10 Years of Data, EPS P or N 100.00%
Earnings Yield 7.85% 7.84% 8.15% 8.16% 7.82% 7.50% 7.47% 6.62% 7.43% 6.98% 9.88% 10.84% 10.00% 10.18% 2.98% <-IRR #YR-> 10 Earnings per Share 34.12%
5 year Running Average $0.88 $0.89 $0.90 $0.92 $0.93 $0.94 $0.95 $0.95 $0.98 $1.02 $1.05 $1.09 3.93% <-IRR #YR-> 5 Earnings per Share 21.28%
10 year Running Average $0.91 $0.92 $0.93 $0.95 $0.98 $1.00 $1.02 1.58% <-IRR #YR-> 9 5 yr Running Average #DIV/0!
* Diluted ESP per share  E/P 10 Yrs 7.66% 5Yrs 7.43% 1.70% <-IRR #YR-> 5 5 yr Running Average 8.78%
-$0.85 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.14
-$0.94 $0.00 $0.00 $0.00 $0.00 $1.14
-$0.88 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.02
-$0.93 $0.00 $0.00 $0.00 $0.00 $1.02
Total Dividends paid  $17.324 $19.931 $19.899 $22.702 $25.948 $29.268 $32.531 $38.862 $34.563 $36.059 $42.297 144.15% <-Total Growth 10 Total Dividends paid 
Change 15.05% -0.16% 14.09% 14.30% 12.79% 11.15% 19.46% -11.06% 4.33% 17.30% 13.44% <-Median-> 10 Change
Percenage of Net Income 96.25% 94.74% 85.27% 86.91% 89.29% 86.67% 84.35% 99.17% 82.70% 77.83% 82.15% 85.97% <-Median-> 10 Percenage of Net Income
5 years Coverage 90.01% 88.32% 86.41% 89.57% 88.37% 85.79% 84.79%
Dividend* $1.15 $1.15 Estimates Dividend*
Increase 27.78% 0.00% Estimates Increase
Payout Ratio EPS 101.77% 100.00% Estimates Payout Ratio EPS
Special Dividends I got $0.040 $0.060 $0.020 $0.070 $0.230 $0.290
Yield on Close Price 0.00% 0.45% 0.61% 0.74% 0.80% 0.32% 0.28% 0.47% 0.14% 0.65% 2.19% 2.57% 2.48% 0.54% <-Median-> 10 Yield on Close Price
Yield on Total Dividends 6.76% 7.77% 7.97% 7.81% 7.81% 7.45% 6.48% 7.59% 6.55% 9.04% 10.74% 10.53% 10.44% 7.79% <-Median-> 10 Yield on Total Dividends
Total Dividends $0.73 $0.87 $0.91 $0.95 $0.98 $0.94 $0.94 $0.96 $0.92 $0.97 $1.13 $1.19 $1.18 54.11% <-Total Growth 10 Total Dividends
Change 18.42% 4.61% 4.41% 3.16% -4.09% 0.18% 2.13% -4.17% 5.43% 16.49% 5.31% Increase
Yield H/L Price Tot. Div 6.99% 7.69% 7.68% 8.30% 8.05% 7.17% 6.86% 8.86% 6.78% 7.84% 10.17% 10.82% 7.77% <-Median-> 10 Yield H/L Price Tot. Div
Yield on High  Price Tot. Div 6.61% 7.18% 7.25% 7.53% 7.75% 6.73% 6.39% 6.49% 6.23% 6.71% 9.10% 10.34% 6.95% <-Median-> 10 Yield on High  Price Tot. Div
Yield on Low Price Tot. Div 7.41% 8.29% 8.18% 9.24% 8.36% 7.68% 7.39% 13.97% 7.43% 9.44% 11.52% 11.35% 8.33% <-Median-> 10 Yield on Low Price Tot. Div
Yield on Close Price Tot. Div 6.76% 7.77% 7.97% 7.81% 7.81% 7.45% 6.48% 7.59% 6.55% 9.04% 10.74% 10.53% 10.44% 0.00% 7.79% <-Median-> 10 Yield on Close Price Tot. Div
Special Dividends $0.00 $0.05 $0.07 $0.09 $0.10 $0.040 $0.040 $0.060 $0.020 $0.070 $0.230 $0.290 $0.280 $0.000 $0.07 <-Median-> 10 Special Dividends Taxed as 
Change 0.00% 40.00% 28.57% 11.11% -60.00% 0.00% 50.00% -66.67% 250.00% 228.57% 26.09% -3.45% -100.00% 19.84% <-Median-> 10 Increase Int Inc
Dividend* $0.73 $0.82 $0.84 $0.86 $0.88 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 22.74% <-Total Growth 10 Dividends
Increase 11.60% 2.45% 2.39% 2.33% 2.28% 0.19% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 6 0 10 Years of data, Count P, N 60.00%
Average Increases 5 Year Running 4.21% 1.93% 1.44% 0.96% 0.49% 0.04% 0.00% 0.00% 0.00% 1.20% <-Median-> 6 Average Incr 5 Year Running
Dividends 5 Yr Running $0.89 $0.93 $0.94 $0.95 $0.95 $0.95 $0.98 $1.03 $1.08 $1.07 10.90% <-Total Growth 6 Dividends 5 Yr Running
Yield H/L Price 6.99% 7.25% 7.09% 7.51% 7.22% 6.87% 6.56% 8.31% 6.63% 7.28% 8.10% 8.19% 7.24% <-Median-> 10 Yield H/L Price Item
Yield on High  Price 6.61% 6.76% 6.69% 6.81% 6.96% 6.44% 6.12% 6.09% 6.10% 6.22% 7.25% 7.82% 6.57% <-Median-> 10 Yield on High  Price EPS
Yield on Low Price 7.41% 7.82% 7.55% 8.37% 7.51% 7.36% 7.08% 13.10% 7.27% 8.76% 9.17% 8.59% 7.68% <-Median-> 10 Yield on Low Price Tot Div
Yield on Close Price 6.76% 7.33% 7.35% 7.06% 7.01% 7.14% 6.21% 7.11% 6.41% 8.39% 8.56% 7.96% 7.96% 6.94% 7.12% <-Median-> 10 Yield on Close Price CFPS
Payout Ratio EPS total 86.27% 95.42% 97.67% 99.83% 104.08% 99.82% 97.92% 102.13% 93.88% 91.51% 99.12% 105.31% 102.61% 98.52% <-Median-> 10 DPR EPS FCF 1
DPR EPS 5 Yr Running total 96.87% 99.39% 99.86% 100.74% 99.51% 96.89% 96.85% 98.48% 98.72% 99.39% <-Median-> 7 DPR EPS 5 Yr Running FCF 2
Payout Ratio EPS Regular 86.27% 89.92% 90.14% 90.35% 93.44% 95.57% 93.75% 95.74% 91.84% 84.91% 78.95% 79.65% 78.26% 91.10% <-Median-> 10 Payout Ratio EPS Regular
DPR EPS 5 Yr Running total 90.10% 91.90% 92.66% 93.76% 94.05% 92.18% 88.58% 85.71% 82.42% 92.18% <-Median-> 7 DPR EPS 5 Yr Running total
Dividends 5 Yr Running 82.53% 85.83% 87.47% 88.70% 89.53% 89.97% 90.00% 90.00% 90.00% 90.00% 88.70% <-Median-> 7 Dividends 5 Yr Running
Payout Ratio CFPS 88.27% 110.19% 90.75% 85.51% 87.13% 82.70% 81.73% 72.18% 58.01% 72.39% 64.26% 67.67% 82.22% <-Median-> 10 DPR CF
DPR CF 5 Yr Running 91.44% 90.03% 85.42% 81.50% 74.91% 72.29% 68.67% 66.51% 81.50% <-Median-> 7 DPR CF 5 Yr Running
Payout Ratio CFPS WC 98.91% 122.66% 96.08% 87.48% 91.26% 83.50% 86.73% 70.87% 58.80% 77.90% 62.93% 67.67% 85.11% <-Median-> 10 DPR CF WC
DPR CF WC 5 Yr Running 97.49% 94.09% 88.78% 83.33% 76.41% 74.20% 69.85% 66.98% 83.33% <-Median-> 7 DPR CF WC 5 Yr Running
Median Values 10 Yr Med 10 Yr Cl 7.24% 7.12% 5 Yr Med 5 Yr Cl 7.28% 7.11% 5 Yr Med Payout 97.92% 72.18% 70.87% 0.04% <-IRR #YR-> 5 Dividends 0.19%
* Dividends per share  10 Yr Med and Cur. 10.05% 11.78% 5 Yr Med and Cur. 9.42% 11.95% Last Div Inc ---> $1.1900 $1.1800 -0.84% 2.07% <-IRR #YR-> 10 Dividends 22.74%
Total Dividends 10 Yr Med 10 Yr Cl 7.77% 7.79% 5 Yr Med 5 Yr Cl 7.84% 7.59% 3.79% <-IRR #YR-> 5 Total Dividends
Total Dividends 10 Yr Med and Cur. 34.40% 34.06% 5 Yr Med and Cur. 33.11% 37.60% 4.42% <-IRR #YR-> 10 Total Dividends
Dividends Growth 5 -$0.90 $0.00 $0.00 $0.00 $0.00 $0.90 Dividends Growth 5
Dividends Growth 10 -$0.73 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.90 Dividends Growth 10
Total Dividends Growth 5 -$0.94 $0.00 $0.00 $0.00 $0.00 $1.13 Total Dividends Growth 5
Total Dividends Growth 10 -$0.73 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.13 Total Dividends Growth 10
Historical Dividends Historical High Div 12.32% Low Div 6.09% 10 Yr High 12.71% 10 Yr Low 6.09% Med Div 7.22% Close Div 7.11% Historical Dividends
High/Ave/Median Values Curr diff Exp. -35.35% Cheap 30.78% Exp. -37.34% 30.78% Cheap 10.31% Cheap 11.95% High/Ave/Median 
Historical Dividends Tot. Div Historical High Div 13.48% Low Div 6.27% 10 Yr High 8.96% 10 Yr Low 7.39% Med Div 7.69% Close Div 7.77%
High/Ave/Median Values Curr diff Cheap -22.53% Cheap 66.55% Cheap 16.55% 41.31% Cheap 35.79% Cheap 34.34%
Future Dividend Yield Div Yd 7.98% earning in 5 Years at IRR of 0.04% Div Inc. 0.19% Future Dividend Yield
Future Dividend Yield Div Yd 7.99% earning in 10 Years at IRR of 0.04% Div Inc. 0.37% Future Dividend Yield
Future Dividend Yield Div Yd 8.01% earning in 15 Years at IRR of 0.04% Div Inc. 0.56% Future Dividend Yield
Future Dividend Paid Div Paid $0.90 earning in 5 Years at IRR of 0.04% Div Inc. 0.19% Future Dividend Paid
Future Dividend Paid Div Paid $0.90 earning in 10 Years at IRR of 0.04% Div Inc. 0.37% Future Dividend Paid
Future Dividend Paid Div Paid $0.91 earning in 15 Years at IRR of 0.04% Div Inc. 0.56% Future Dividend Paid
Item
Dividend Covering Cost Total Div $4.50 over 5 Years at IRR of 0.04% Div Cov. 39.85% Dividend Covering Cost Revenue Growth 
Dividend Covering Cost Total Div $8.11 over 10 Years at IRR of 0.04% Div Cov. 71.80% Dividend Covering Cost EPS Growth
Dividend Covering Cost Total Div $11.73 over 15 Years at IRR of 0.04% Div Cov. 103.81% Dividend Covering Cost Net Income Growth
Cash Flow Growth
Yield if held 5 years 7.93% 8.56% 7.98% 7.61% 7.87% 7.40% 6.88% 6.56% 8.31% 6.63% 7.87% <-Median-> 7 Paid Median Price Dividend Growth
Yield if held 10 years 8.13% 8.58% 7.98% 7.61% 7.87% 8.35% <-Median-> 2 Paid Median Price Total Div Growth
Yield if held 15 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price Stock Price Growth
Yield if held 20 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price
Yield if held 25 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price Revenue Growth 
EPS Growth
Cost covered if held 5 years 40.06% 44.23% 41.77% 40.31% 41.44% 38.88% 37.61% 37.71% 49.77% 39.57% 40.31% <-Median-> 7 Paid Median Price Net Income Growth
Cost covered if held 10 years 82.75% 91.11% 87.58% 85.91% 88.42% 86.93% <-Median-> 2 Paid Median Price Cash Flow Growth
Cost covered if held 15 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price Dividend Growth
Cost covered if held 20 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price Total Div Growth
Cost covered if held 25 years #DIV/0! #NUM! <-Median-> 0 Paid Median Price Stock Price Growth
I am earning GC Div Gr 10.21% 4/5/18 # yrs -> 6 2018 $12.45 Cap Gain -9.26% I am earning GC
I am earning Div org yield 7.23% 12/31/24 Pension Div G Yrly 1.45% Div start $0.90 -7.23% 7.96% I am earning Div
Yr  Item Tot. Growth
Revenue Growth  $58.3 $66.2 $65.0 $64.2 $78.4 $98.6 $99 <-12 mths 0.69% 69.09% <-Total Growth 5 Revenue Growth  69.09%
EPS Growth $0.94 $0.96 $0.94 $0.98 $1.06 $1.14 $1.13 <-12 mths -0.88% 21.28% <-Total Growth 5 EPS Growth 21.28%
Net Income Growth $33.8 $38.6 $39.2 $41.8 $46.3 $51.5 $91 <-12 mths 77.02% 52.46% <-Total Growth 5 Net Income Growth 52.46%
Cash Flow Growth $41.5 $48.2 $56.4 $67.9 $58.1 $77.3 86.39% <-Total Growth 5 Cash Flow Growth 86.39%
Dividend Growth $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 <-12 mths 0.00% 0.19% <-Total Growth 5 Dividend Growth 0.19%
Total Div Growth $0.94 $0.94 $0.96 $0.92 $0.97 $1.13 20.43% <-Total Growth 5 Total Div Growth 20.43%
Stock Price Growth $12.59 $14.50 $12.65 $14.05 $10.73 $10.52 $11.30 <-12 mths 7.41% -16.44% <-Total Growth 5 Stock Price Growth -16.44%
Revenue Growth  $23.8 $35.0 $40.2 $44.0 $50.4 $58.3 $66.2 $65.0 $64.2 $78.4 $98.6 $98 <-this year -0.70% 315.01% <-Total Growth 10 Revenue Growth  315.01%
EPS Growth $0.85 $0.91 $0.93 $0.95 $0.94 $0.94 $0.96 $0.94 $0.98 $1.06 $1.14 $1.13 <-this year -0.88% 34.12% <-Total Growth 10 EPS Growth 34.12%
Net Income Growth $18.0 $21.0 $23.3 $26.1 $29.1 $33.8 $38.6 $39.2 $41.8 $46.3 $51.5 $49 <-this year -3.97% 186.03% <-Total Growth 10 Net Income Growth 186.03%
Cash Flow Growth $17.6 $19.2 $26.9 $30.1 $37.3 $41.5 $48.2 $56.4 $67.9 $58.1 $77.3 339.01% <-Total Growth 10 Cash Flow Growth 339.01%
Dividend Growth $0.73 $0.82 $0.84 $0.86 $0.88 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $1.15 <-this year 27.78% 22.74% <-Total Growth 10 Dividend Growth 22.74%
Total Div Growth $0.73 $0.87 $0.91 $0.95 $0.98 $0.94 $0.94 $0.96 $0.92 $0.97 $1.13 $1.19 <-this year 5.31% 54.11% <-Total Growth 10 Total Div Growth 54.11%
Stock Price Growth $10.84 $11.17 $11.40 $12.15 $12.53 $12.59 $14.50 $12.65 $14.05 $10.73 $10.52 $11.30 <-this year 7.41% -2.95% <-Total Growth 10 Stock Price Growth -2.95%
Dividends on Shares $80.75 $84.47 $88.20 $90.98 $87.26 $87.42 $89.28 $85.56 $90.21 $105.09 $110.67 $109.74 $83.70 $889.23 Total Divs 10 Total Dividends 12/31/13
Paid  $1,008.12 $1,038.81 $1,060.20 $1,129.95 $1,165.29 $1,170.87 $1,348.50 $1,176.45 $1,306.65 $997.89 $978.36 $1,050.90 $1,050.90 $1,205.28 $978.36 Worth 10 Worth $10.84
Total $1,867.59 Total
Graham Number $14.04 $13.89 $13.83 $14.42 $14.64 $14.82 $14.90 $14.97 $15.33 $15.19 $15.56 $16.18 $16.77 $16.70 $16.85 $0.00 21.28% <-Total Growth 10 Graham Number
Increase -1.80% -1.05% -0.42% 4.29% 1.52% 1.21% 0.54% 0.46% 2.42% -0.90% 2.43% 3.96% 3.68% -0.44% 0.88% -100.00% 1.97% <-Median-> 10 Graham Price
Price/GP Ratio Med 0.80 0.76 0.78 0.81 0.77 0.82 0.87 0.89 0.71 0.87 0.76 0.66 0.66 0.79 <-Median-> 10 Price/GP Ratio Med
Price/GP Ratio High 0.87 0.80 0.84 0.86 0.85 0.85 0.93 0.96 0.97 0.95 0.89 0.74 0.69 0.87 <-Median-> 10 Price/GP Ratio High
Price/GP Ratio Low 0.73 0.72 0.73 0.76 0.69 0.79 0.82 0.83 0.45 0.80 0.63 0.58 0.63 0.74 <-Median-> 10 Price/GP Ratio Low
Price/GP Ratio Close 0.71 0.79 0.78 0.77 0.78 0.82 0.84 0.84 0.95 0.83 0.90 0.66 0.63 0.68 0.67 #DIV/0! 0.83 <-Median-> 10 Price/GP Ratio Close
Prem/Disc Close -29.46% -21.16% -21.62% -22.56% -22.15% -18.02% -15.91% -15.89% -5.42% -16.74% -9.72% -33.68% -37.28% -32.33% -32.92% #DIV/0! -17.38% <-Median-> 10 Graham Price
Pre 2012 $990.02
Price Close $9.90 $10.95 $10.84 $11.17 $11.40 $12.15 $12.53 $12.59 $14.50 $12.65 $14.05 $10.73 $10.52 $11.30 $11.30 $12.96 -2.95% <-Total Growth 10 Stock Price
Increase 0.04% 10.60% -1.00% 3.04% 2.06% 6.58% 3.13% 0.48% 15.17% -12.76% 11.07% -23.63% -1.96% 7.41% 0.00% 14.69% 12.96 <-Median-> 10 CAPE (10 Yr P/E)
P/E Ratio 11.25 12.73 12.75 12.27 12.26 12.79 13.33 13.39 15.10 13.46 14.34 10.12 9.23 10.00 9.83 #DIV/0! -3.53% <-IRR #YR-> 5 Stock Price -16.44%
Trailing P/E Ratio 10.88 12.44 12.60 13.14 12.53 13.06 13.19 13.39 15.43 13.18 14.95 10.95 9.92 9.91 10.00 11.27 -0.30% <-IRR #YR-> 10 Stock Price -2.95%
CAPE (10 Yr P/E) 12.70 12.96 13.26 12.96 12.54 12.28 12.00 #DIV/0! 4.80% <-IRR #YR-> 5 Price & Dividend 30.09%
Median 10, 5 Yrs D.  per yr 8.83% 8.33% % Tot Ret 103.51% 173.52% T P/E 13.16 13.18 P/E:  13.06 13.46 8.53% <-IRR #YR-> 10 Price & Dividend 92.02%
Price 15 D.  per yr 5.65% % Tot Ret 82.87% CAPE Diff -22.82% 1.17% <-IRR #YR-> 14 Stock Price #DIV/0!
Price & Dividend 15 6.81% <-IRR #YR-> 14 Price & Dividend #DIV/0!
Price  5 -$12.59 $0.00 $0.00 $0.00 $0.00 $10.52 Price  5
Price 10 -$10.84 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $10.52 Price 10
Price & Dividend 5 -$12.59 $0.94 $0.96 $0.92 $0.97 $11.65 Price & Dividend 5
Price & Dividend 10 -$10.84 $0.87 $0.91 $0.95 $0.98 $0.94 $0.94 $0.96 $0.92 $0.97 $11.65 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 $11.65 Price 15
Price & Dividend 15 $0.00 $0.00 $0.73 $0.87 $0.91 $0.95 $0.98 $0.94 $0.94 $0.96 $0.92 $0.97 $11.65 Price & Dividend 15
Price H/L Median $11.08 $10.50 $11.29 $11.82 $11.43 $12.16 $13.08 $13.71 $10.83 $13.57 $12.37 $11.12 $11.00 14.69% 5.91% <-Total Growth 10 Stock Price
Increase -5.24% 7.53% 4.74% -3.30% 6.39% 7.57% 4.82% -21.01% 25.30% -8.88% -10.11% -1.08% 10.44% 0.58% <-IRR #YR-> 10 Stock Price 5.91%
P/E Ratio 12.88 12.35 12.40 12.71 12.03 12.94 13.91 14.28 11.52 13.85 11.67 9.75 9.73 25.13% -3.20% <-IRR #YR-> 5 Stock Price -15.02%
Trailing P/E Ratio 12.59 12.20 13.28 12.99 12.29 12.80 13.91 14.59 11.28 14.44 12.62 10.49 9.64 9.39% <-IRR #YR-> 10 Price & Dividend $1.04
P/E on Running 5 yr Average 12.79 13.34 12.70 13.28 14.00 14.52 11.45 14.25 12.67 10.94 10.47 4.76% <-IRR #YR-> 5 Price & Dividend 29.77%
P/E on Running 10 yr Average 11.82 14.65 13.07 11.40 11.03 12.56 P/E Ratio Historical Median
Median 10, 5 Yrs D.  per yr 8.81% 7.97% % Tot Ret 93.87% 167.24% T P/E 12.89 12.62 P/E:  12.56 11.67 Count 11 Years of data
-$10.50 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $11.12
-$13.08 $0.00 $0.00 $0.00 $0.00 $11.12
-$10.50 $0.87 $0.91 $0.95 $0.98 $0.94 $0.94 $0.96 $0.92 $0.97 $12.25
-$13.08 $0.94 $0.96 $0.92 $0.97 $12.25
High Months Sep Mar Dec Jan Aug Dec Sep Dec Feb Sep Mar Mar Feb
Price High $12.02 $11.09 $12.10 $12.53 $12.60 $12.62 $13.95 $14.70 $14.79 $14.76 $14.46 $12.42 $11.51 11.99% <-Total Growth 10 Stock Price
Increase -7.74% 9.11% 3.55% 0.56% 0.16% 10.54% 5.38% 0.61% -0.20% -2.03% -14.11% -7.33% 1.14% <-IRR #YR-> 10 Stock Price 11.99%
P/E Ratio 13.98 13.05 13.30 13.47 13.26 13.43 14.84 15.31 15.73 15.06 13.64 10.89 10.19 -2.30% <-IRR #YR-> 5 Stock Price -10.97%
Trailing P/E Ratio 13.66 12.90 14.24 13.77 13.55 13.28 14.84 15.64 15.41 15.70 14.76 11.72 10.10 13.56 P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 14.50 15.41 P/E:  13.56 15.06 15.16 P/E Ratio Historical High
-$11.09 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $12.42
-$12.62 -$13.95 $0.00 $0.00 $0.00 $0.00 $12.42
Low Months Oct Sep Jan Nov Jan May Dec Jan Mar Jan Oct Oct Jan
Price Low $10.13 $9.90 $10.47 $11.11 $10.26 $11.70 $12.21 $12.72 $6.87 $12.38 $10.27 $9.81 $10.48 -0.92% <-Total Growth 10 Stock Price
Increase -2.27% 5.76% 6.11% -7.65% 14.04% 4.36% 4.18% -45.99% 80.20% -17.04% -4.48% 6.83% -0.09% <-IRR #YR-> 10 Stock Price -0.91%
P/E Ratio 11.78 11.65 11.51 11.95 10.80 12.45 12.99 13.25 7.31 12.63 9.69 8.61 9.27 -4.28% <-IRR #YR-> 5 Stock Price -19.66%
Trailing P/E Ratio 11.51 11.51 12.32 12.21 11.03 12.32 12.99 13.53 7.16 13.17 10.48 9.25 9.19 11.71 P/E Ratio Historical Median
Median 10, 5 Yrs T P/E 12.26 10.48 P/E:  11.73 9.69 9.26 P/E Ratio Historical Low
-$9.90 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $9.81
Free Cash Flow WSJ $26.86 $20.57 $26.93 $26.10 $32.08 $43.70 $56.38 $39.73 $77.00 274.35% <-Total Growth 8 Free Cash Flow WSJ
Change -23.42% 30.90% -3.08% 22.94% 36.23% 29.00% -29.52% 93.79% 24.16% <-IRR #YR-> 5 Free Cash Flow MS 195.08%
FCF/CF from Op Ratio 1.00 0.68 0.72 0.63 0.67 0.77 0.83 0.68 1.00 14.07% <-IRR #YR-> 8 Free Cash Flow MS #DIV/0!
Dividends paid $19.90 $22.70 $25.95 $29.27 $32.53 $38.86 $34.56 $36.06 $42.30 86.31% <-Total Growth 8 Dividends paid WSJ and MS
Percentage paid 74.08% 110.37% 96.37% 112.16% 101.41% 88.92% 61.31% 90.75% 54.93% $0.91 <-Median-> 9 Percentage paid Disagree
5 Year Coverage 98.35% 99.96% 87.04% 86.51% 74.05% 5 Year Coverage
Dividend Coverage Ratio 1.35 0.91 1.04 0.89 0.99 1.12 1.63 1.10 1.82 1.10 <-Median-> 9 Dividend Coverage Ratio
5 Year of Coverage 1.02 1.00 1.15 1.16 1.35 5 Year of Coverage
Free Cash Flow MS $8.00 $13.00 $17.61 $19.74 $35.10 $30.18 $37.34 $41.48 $48.19 $56.41 $68 $58 $77 337.25% <-Total Growth 10 Free Cash Flow MS
Change 62.50% 35.46% 12.10% 77.81% -14.02% 23.72% 11.09% 16.18% 17.06% 20.55% -14.71% 32.76% 13.17% <-IRR #YR-> 5 Free Cash Flow MS 85.63%
FCF/CF from Op Ratio 1.00 1.03 1.31 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 15.90% <-IRR #YR-> 10 Free Cash Flow MS 337.25%
Dividends paid $17.32 $19.93 $19.90 $22.70 $25.95 $29.27 $32.53 $38.86 $34.56 $36.06 $42.30 144.15% <-Total Growth 10 Dividends paid WSJ and MS
Percentage paid 98.38% 100.97% 56.69% 75.22% 69.49% 70.56% 67.51% 68.89% 50.83% 62.17% 54.93% $0.68 <-Median-> 10 Percentage paid Disagree
5 Year Coverage 67.79% 69.90% 64.10% 62.95% 59.92% 5 Year Coverage
Dividend Coverage Ratio 1.02 0.99 1.76 1.33 1.44 1.42 1.48 1.45 1.97 1.61 1.82 1.47 <-Median-> 10 Dividend Coverage Ratio
5 Year of Coverage 1.48 1.43 1.56 1.59 1.67 5 Year of Coverage
Market Cap in $M $142.1 $230.8 $229.8 $272.9 $305.9 $329.3 $416.6 $460.3 $607.0 $536.5 $601.4 $465.0 $462.5 $496.8 $496.8 $569.8 101.25% <-Total Growth 10 Market Cap 101.25%
Diluted # of Shares in Million 10.69 15.50 22.45 28.36 32.42 34.58 39.19 45.85 50.71 51.68 50.06 52.87 54.03 54.03 140.70% <-Total Growth 10 Diluted
Change 43.21% 45.01% 44.77% 26.33% 14.35% 6.66% 13.32% 16.98% 10.60% 1.91% -3.12% 5.61% 2.18% 0.00% 9.18% <-IRR #YR-> 10 Diluted
Difference Diluted/Basic 0.00% -0.04% -5.85% -18.36% -23.49% -22.00% -21.84% -22.41% -21.91% -18.10% -14.92% -18.56% -19.13% -19.13% 3.34% <-IRR #YR-> 5 Diluted
Basic # of Shares in Millions 10.69 15.50 21.13 23.15 24.81 26.98 30.63 35.57 39.60 42.32 42.60 43.06 43.69 43.69 106.75% <-Total Growth 10 Basic
Change 43.21% 44.94% 36.36% 9.55% 7.16% 8.74% 13.56% 16.12% 11.32% 6.89% 0.64% 1.08% 1.48% 0.00% 7.95% <-Median-> 10 Change
Difference Basic/Outstanding 34.28% 36.01% 0.32% 5.52% 8.17% 0.48% 8.55% 2.78% 5.73% 0.21% 0.49% 0.65% 0.62% 0.62% 1.71% <-Median-> 10 Difference Basic/Outstanding
# of Share in Millions 14.357 21.079 21.201 24.429 26.835 27.106 33.252 36.561 41.864 42.412 42.807 43.336 43.965 43.965 43.965 43.965 7.57% <-IRR #YR-> 10 Shares 107.38%
Change 63.52% 46.81% 0.58% 15.23% 9.85% 1.01% 22.68% 9.95% 14.50% 1.31% 0.93% 1.24% 1.45% 0.00% 0.00% 0.00% 3.76% <-IRR #YR-> 5 Shares 20.25%
Cash Flow from Operations $M $8.9 $13.1 $17.6 $19.2 $26.9 $30.1 $37.3 $41.5 $48.2 $56.4 $67.9 $58.1 $77.3 $77.3 <-12 mths 339.01% <-Total Growth 10 Cash Flow
Increase 16.59% 47.01% 34.82% 9.30% 39.54% 11.93% 24.20% 11.09% 16.08% 17.14% 20.35% -14.46% 33.14% 0.00% <-12 mths S. Issues, DRP Options, ESPP
5 year Running Average $13.3 $17.1 $21.4 $26.2 $31.0 $36.8 $42.7 $50.3 $54.4 $61.6 $67.4 <-12 mths 188.10% <-Total Growth 9 CF 5 Yr Running
CFPS $0.62 $0.62 $0.83 $0.79 $1.00 $1.11 $1.12 $1.13 $1.15 $1.33 $1.59 $1.34 $1.76 $1.76 <-12 mths 111.70% <-Total Growth 10 Cash Flow per Share
Increase -28.70% 0.14% 34.04% -5.15% 27.03% 10.81% 1.24% 1.04% 1.37% 15.63% 19.24% -15.50% 31.24% 0.00% <-12 mths 15.94% <-IRR #YR-> 10 Cash Flow 339.01%
5 year Running Average $0.75 $0.77 $0.87 $0.97 $1.03 $1.10 $1.17 $1.26 $1.31 $1.43 $1.55 <-12 mths 13.26% <-IRR #YR-> 5 Cash Flow 86.39%
P/CF on Med Price 0.00 17.87 12.63 14.32 11.81 10.31 10.83 11.53 11.92 8.14 8.56 9.23 6.32 6.25 <-12 mths 7.79% <-IRR #YR-> 10 Cash Flow per Share 111.70%
P/CF on Closing Price 16.00 17.67 13.05 14.18 11.39 10.95 11.16 11.10 12.61 9.51 8.86 8.01 5.98 6.43 <-12 mths 9.16% <-IRR #YR-> 5 Cash Flow per Share 55.00%
-39.19% Diff M/C 7.54% <-IRR #YR-> 9 CFPS 5 yr Running #DIV/0!
Excl.Working Capital CF $0.8 -$1.0 -$1.9 -$2.0 -$1.5 -$0.7 -$1.7 -$0.4 -$2.8 $1.0 -$0.9 -$4.1 $1.6 $0.0 <-12 mths 6.80% <-IRR #YR-> 5 CFPS 5 yr Running 38.97%
Cash Flow from Operations $M WC $9.6 $12.0 $15.7 $17.3 $25.4 $29.4 $35.6 $41.1 $45.4 $57.5 $67.0 $54.0 $78.9 $77.3 <-12 mths 402.28% <-Total Growth 10 Cash Flow less WC
Increase 34.98% 24.81% 30.59% 10.03% 46.70% 15.83% 21.30% 15.27% 10.43% 26.63% 16.58% -19.44% 46.30% -2.06% <-12 mths 17.52% <-IRR #YR-> 10 Cash Flow less WC 402.28%
5 year Running Average $12.4 $16.0 $20.0 $24.7 $29.8 $35.4 $41.8 $49.3 $53.0 $60.5 $66.9 <-12 mths 13.95% <-IRR #YR-> 5 Cash Flow less WC 92.13%
CFPS Excl. WC $0.67 $0.57 $0.74 $0.71 $0.95 $1.08 $1.07 $1.12 $1.08 $1.35 $1.56 $1.25 $1.80 $1.76 <-12 mths 19.30% <-IRR #YR-> 9 CF less WC 5 Yr Run #DIV/0!
Increase -17.46% -14.98% 29.84% -4.51% 33.55% 14.68% -1.12% 4.83% -3.56% 24.99% 15.51% -20.42% 44.20% -2.06% <-12 mths 15.26% <-IRR #YR-> 5 CF less WC 5 Yr Run 103.46%
5 year Running Average $0.70 $0.73 $0.81 $0.91 $0.99 $1.06 $1.14 $1.24 $1.27 $1.41 $1.54 <-12 mths 9.25% <-IRR #YR-> 10 CFPS - Less WC 142.21%
P/CF on Median Price 0.00 19.40 14.16 15.94 12.50 10.54 11.34 11.64 12.65 7.99 8.67 9.93 6.19 6.25 <-12 mths 9.82% <-IRR #YR-> 5 CFPS - Less WC 59.77%
P/CF on Closing Price 14.74 19.18 14.62 15.78 12.06 11.21 11.69 11.20 13.38 9.34 8.98 8.62 5.86 6.43 <-12 mths 8.06% <-IRR #YR-> 9 CFPS 5 yr Running #DIV/0!
*Operational Cash Flow. CF/-WC P/CF Med 10 yr 10.57 5 yr  8.56 P/CF Med 10 yr 10.94 5 yr  8.67 -41.28% Diff M/C 7.38% <-IRR #YR-> 5 CFPS 5 yr Running 42.78%
-$0.83 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.76 Cash Flow per Share
-$1.13 $0.00 $0.00 $0.00 $0.00 $1.76 Cash Flow per Share
-$0.75 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.43 CFPS 5 yr Running
-$1.03 $0.00 $0.00 $0.00 $0.00 $1.43 CFPS 5 yr Running
-$15.7 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $78.9 Cash Flow less WC
-$41.1 $0.0 $0.0 $0.0 $0.0 $78.9 Cash Flow less WC
\ -$12.4 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $60.5 CF less WC 5 Yr Run
-$29.8 $0.0 $0.0 $0.0 $0.0 $60.5 CF less WC 5 Yr Run
-$0.74 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.80 CFPS - Less WC
-$1.12 $0.00 $0.00 $0.00 $0.00 $1.80 CFPS - Less WC
OPM Ratio 77.84% 75.79% 74.12% 55.07% 66.81% 68.26% 74.15% 71.13% 72.77% 86.75% 105.68% 74.10% 78.41% 78.97% 5.78% <-Total Growth 10 OPM
Increase -13.65% -2.64% -2.20% -25.71% 21.32% 2.18% 8.62% -4.07% 2.30% 19.22% 21.82% -29.89% 5.82% 0.71% Should increase  or be stable.
Diff from Median 6.0% 3.2% 0.9% -25.0% -9.0% -7.0% 1.0% -3.1% -0.9% 18.1% 43.9% 0.9% 6.8% 7.5% 0.00 <-Median-> 10 OPM
*Operational Profit Margin (CF/Revenue) Ratio OPM 10 Yrs 73.43% 5 Yrs 78.41% should be  zero, it is a   check on calculations
Long Term Debt $184.811 $205.605 $66.847 $179.533 $166.746 $246.512 $270.430 $305.135 $277.359 $284.881 $295.540 $378.958 $374.599 $374.599 460.38% <-Total Growth 10 Debt Type
Change 0.00% 11.25% -67.49% 168.57% -7.12% 47.84% 9.70% 12.83% -9.10% 2.71% 3.74% 28.23% -1.15% 0.00% 6.72% <-Median-> 10 Change Lg Term R
Debt/Market Cap Ratio 1.30 0.89 0.29 0.66 0.55 0.75 0.65 0.66 0.46 0.53 0.49 0.81 0.81 0.75 0.65 <-Median-> 10 Debt/Market Cap Ratio Intang/GW
Assets/Current Liabilities Ratio 49.67 105.90 96.15 86.71 74.43 101.65 109.59 111.11 145.81 214.70 217.59 124.24 174.70 174.70 117.67 <-Median-> 10 Assets/Current Liab Ratio Liquidity
Current Liabilities/Asset Ratio 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.00 0.00 0.01 0.01 0.01 0.01 <-Median-> 10 Current Liab/Asset Ratio Liq. + CF
Debt to Cash Flow (Years) 20.80 15.74 3.80 9.33 6.21 8.20 7.24 7.36 5.76 5.05 4.35 6.53 4.85 4.85 6.37 <-Median-> 10 Debt to Cash Flow (Years) Debt Ratio
Leverage
Intangibles $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 #DIV/0! <-Total Growth 10 Intangibles D/E Ratio
Goodwill $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 #DIV/0! <-Total Growth 10 Goodwill
Total $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 #DIV/0! <-Total Growth 10 Total
Change 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% <-Median-> 10 Change
Intangible/Market Cap Ratio 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 <-Median-> 10 Intangible/Market Cap Ratio
Current Assets $157.501 $212.603 $281.981 $433.127 $448.153 $530.633 $626.795 $682.743 $477.953 $739.114 $759.353 $8.967 $9.333 $9.33 -2921.33% <-Total Growth 10 Current Assets
Current Liabilities $3.197 $2.008 $2.933 $4.995 $6.021 $5.232 $5.729 $6.298 $5.100 $3.518 $3.564 $7.041 $5.025 $5.03 71.35% <-Total Growth 10 Current Liabilities
Liquidity Ratio 49.26 105.90 96.15 86.71 74.43 101.42 109.41 108.41 93.72 210.09 213.06 1.27 1.86 1.86 97.57 <-Median-> 10 Ratio
Liq. with CF aft div 52.04 112.41 96.86 86.32 74.84 102.25 110.25 109.55 95.44 214.55 221.06 3.55 7.36 6.83 95.44 <-Median-> 5 Ratio
Liq. CF re  Inv+Div  1.94 4.92 3.46 2.83 19.60 6.52 6.57 9.55 12.55 37.60 21.53 0.26 3.83 6.83 12.55 <-Median-> 5 Ratio
Assets $158.816 $212.603 $281.981 $433.137 $448.153 $531.856 $627.859 $699.750 $743.631 $755.315 $775.487 $874.780 $877.877 $877.88 211.33% <-Total Growth 10 Assets
Liabilities $15.970 $2.493 $69.962 $184.923 $173.169 $253.316 $278.795 $312.444 $288.111 $292.428 $305.320 $399.216 $395.671 $395.67 465.55% <-Total Growth 10 Liabilities
Debt Ratio 9.94 85.28 4.03 2.34 2.59 2.10 2.25 2.24 2.58 2.58 2.54 2.19 2.22 2.22 2.30 <-Median-> 10 Ratio
Estimates BVPS $11.00 $11.40 Estimates Estimates BVPS
Estimate Book Value $483.6 $501.2 Estimates Estimate Book Value
P/B Ratio (Close) 1.03 0.99 Estimates P/B Ratio (Close)
Difference from 10 year median -9.90% Diff M/C Estimates Difference from 10 yr med.
Book Value $142.8 $210.1 $212.0 $248.2 $275.0 $278.5 $349.1 $387.3 $455.5 $462.9 $470.2 $475.6 $482.2 $482.2 $482.2 $482.2 127.44% <-Total Growth 10 Book Value
Book Value per share $9.95 $9.97 $10.00 $10.16 $10.25 $10.28 $10.50 $10.59 $10.88 $10.91 $10.98 $10.97 $10.97 $10.97 $10.97 $10.97 9.67% <-Total Growth 10 Book Value per Share
Increase -0.29% 0.19% 0.33% 1.60% 0.85% 0.28% 2.15% 0.91% 2.72% 0.30% 0.64% -0.09% -0.06% 0.00% 0.00% 0.00% -7.27% P/B Ratio Current/Historical Median
P/B Ratio (Median) 0.00 1.11 1.05 1.11 1.15 1.11 1.16 1.23 1.26 0.99 1.24 1.13 1.01 1.00 0.01 0.00 1.11 P/B Ratio Historical Median
P/B Ratio (Close) 1.00 1.10 1.08 1.10 1.11 1.18 1.19 1.19 1.33 1.16 1.28 0.98 0.96 1.03 1.03 1.18 0.93% <-IRR #YR-> 10 Book Value per Share 9.67%
Change 0.33% 10.40% -1.33% 1.42% 1.20% 6.28% 0.95% -0.43% 12.13% -13.02% 10.37% -23.56% -1.90% 7.41% 0.00% 14.69% 0.70% <-IRR #YR-> 5 Book Value per Share 3.53%
Leverage (A/BK) 1.11 1.01 1.33 1.75 1.63 1.91 1.80 1.81 1.63 1.63 1.65 1.84 1.82 1.82 1.65 <-Median-> 5 A/BV
Debt/Equity Ratio 0.11 0.01 0.33 0.75 0.63 0.91 0.80 0.81 0.63 0.63 0.65 0.84 0.82 0.82 0.65 <-Median-> 5 Debt/Eq Ratio
Shareholders' Equity (Assets less Liabilities) P/BV 10 yr Med 1.14 5 yr Med 1.13 -9.63% Diff M/C 1.63 Historical Leverage (A/BK)
-$10.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $10.97
-$10.59 $0.00 $0.00 $0.00 $0.00 $10.97
Comprehensive Income $9.44 $13.36 $18.00 $21.04 $23.34 $26.12 $29.06 $33.77 $38.57 $39.19 $41.79 $46.33 $51.49 186.03% <-Total Growth 10 Comprehensive Income
Increase 38.96% 41.50% 34.75% 16.87% 10.93% 11.93% 11.25% 16.21% 14.21% 1.61% 6.65% 10.86% 11.12% 10.86% <-Median-> 5 Comprehensive Income
5 Yr Running Average $13.73 $17.03 $20.37 $23.51 $26.66 $30.17 $33.34 $36.48 $39.93 $43.47 11.08% <-IRR #YR-> 10 Comprehensive Income 186.03%
ROE 6.4% 8.5% 8.5% 8.5% 9.4% 8.3% 8.7% 8.5% 8.5% 8.9% 9.7% 10.7% 8.80% <-IRR #YR-> 5 Comprehensive Income 52.46%
5Yr Median 6.4% 7.4% 8.5% 8.5% 8.5% 8.5% 8.5% 8.5% 8.5% 8.5% 8.7% 8.9% 13.67% <-IRR #YR-> 9 5 Yr Running Average #DIV/0!
% Difference from Net Income 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 10.27% <-IRR #YR-> 5 5 Yr Running Average 63.04%
Median Values Diff 5, 10 yr 0.0% 0.0% 8.9% <-Median-> 5 Return on Equity
-$18.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $51.5
-$33.8 $0.0 $0.0 $0.0 $0.0 $51.5
-$13.7 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $43.5
-$26.7 $0.0 $0.0 $0.0 $0.0 $43.5
Current Liability Coverage Ratio 3.02 5.99 5.36 3.46 4.21 5.62 6.22 6.52 8.90 16.33 18.79 7.66 15.71 15.39   CFO / Current Liabilities
5 year Median 3.64 4.26 4.81 4.26 4.21 5.36 5.36 5.62 6.22 6.52 8.90 8.90 15.71 15.71 7.09 <-Median-> 10 Current Liability Cov Ratio
Asset Efficiency Ratio 6.07% 5.66% 5.57% 3.99% 5.66% 5.53% 5.68% 5.87% 6.10% 7.61% 8.64% 6.17% 8.99% 8.81% CFO / Total Assets
5 year Median 7.0% 6.1% 5.9% 5.7% 5.7% 5.6% 5.57% 5.66% 5.68% 5.87% 6.10% 6.17% 7.61% 8.64% 6.0% <-Median-> 10 Return on Assets 
Return on Assets ROA 5.9% 6.3% 6.4% 4.9% 5.2% 4.9% 4.6% 4.8% 5.2% 5.2% 5.4% 5.3% 5.9% 5.6% Net  Income/Assets Return on Assets
5Yr Median 6.8% 6.3% 6.3% 6.3% 5.9% 5.2% 4.9% 4.9% 4.9% 4.9% 5.2% 5.2% 5.3% 5.4% 5.2% <-Median-> 10 Asset Efficiency Ratio
Return on Equity ROE 6.6% 6.4% 8.5% 8.5% 8.5% 9.4% 8.3% 8.7% 8.5% 8.5% 8.9% 9.7% 10.7% 10.3% Net Inc/ Shareholders' equity Return on Equity
5Yr Median 7.2% 6.6% 7.2% 7.8% 8.5% 8.5% 8.5% 8.5% 8.5% 8.5% 8.5% 8.7% 8.9% 9.7% 8.6% <-Median-> 10 Return on Equity
$91 <-12 mths 77.02%
Net Income $9.441 $13.36 $18.00 $21.037 $23.337 $26.120 $29.059 $33.77 $38.57 $39.19 $41.79 $46.33 $51.49 $49.4 $48.9 186.03% <-Total Growth 10 Net Income
Increase 38.96% 41.50% 34.75% 16.87% 10.93% 11.93% 11.25% 16.21% 14.21% 1.61% 6.65% 10.86% 11.12% -3.97% -1.09% EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average $13.726 $17.035 $20.370 $23.511 $26.664 $30.171 $33.341 $36.475 $39.930 $43.473 $45.648 $47.590 11.08% <-IRR #YR-> 10 Net Income 186.03%
Operating Cash Flow $8.886 $13.063 $17.612 $19.249 $26.860 $30.064 $37.339 $41.481 $48.150 $56.405 $67.885 $58.070 $77.316 8.80% <-IRR #YR-> 5 Net Income 52.46%
Investment Cash Flow -$82.379 -$43.882 -$79.265 -$147.336 -$16.970 -$76.850 -$90.367 -$65.918 -$33.673 -$16.554 -$33.021 -$87.811 -$4.635 13.67% <-IRR #YR-> 9 5 Yr Running Average #DIV/0!
Total Accruals $82.935 $44.177 $79.653 $149.124 $13.447 $72.906 $82.087 $58.206 $24.091 -$0.663 $6.929 $76.073 -$21.196 10.27% <-IRR #YR-> 5 5 Yr Running Average 63.04%
Total Assets $158.816 $212.603 $281.981 $433.137 $448.153 $531.856 $627.859 $699.750 $743.631 $755.315 $775.487 $874.780 $877.877 Balance Sheet Assets
Accruals Ratio 52.22% 20.78% 28.25% 34.43% 3.00% 13.71% 13.07% 8.32% 3.24% -0.09% 0.89% 8.70% -2.41% 0.89% <-Median-> 5 Ratio
EPS/CF Ratio (WC) 1.31 1.51 1.15 1.29 0.98 0.88 0.88 0.84 0.89 0.69 0.63 0.85 0.63 0.86 <-Median-> 10 EPS/CF Ratio
-$18.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $51.5
-$33.8 $0.0 $0.0 $0.0 $0.0 $51.5
-$13.7 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $43.5
-$26.7 $0.0 $0.0 $0.0 $0.0 $43.5
Change in Close 0.04% 10.60% -1.00% 3.04% 2.06% 6.58% 3.13% 0.48% 15.17% -12.76% 11.07% -23.63% -1.96% 7.41% 0.00% 14.69% Count 15 Years of data
up/down down  down down down down down down down down Count 9 60.00%
Meet Prediction? % right Count 0 0.00%
Financial Cash Flow $59.581 $40.132 $50.699 $128.087 -$9.890 $46.786 $53.028 $24.437 -$14.342 -$39.851 -$34.864 $29.741 -$72.681 C F Statement  Financial Cash Flow
Total Accruals $23.4 $4.0 $29.0 $21.0 $23.3 $26.1 $29.1 $33.8 $38.4 $39.2 $41.8 $46.3 $51.5 Accruals
Accruals Ratio 14.71% 1.90% 10.27% 4.86% 5.21% 4.91% 4.63% 4.83% 5.17% 5.19% 5.39% 5.30% 5.86% 5.30% <-Median-> 5 Ratio
Cash $1.315 $10.628 -$0.326 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 $0.000 Cash
Cash per Share $0.09 $0.50 -$0.02 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 <-Median-> 5 Cash per Share
Percentage of Stock Price 0.93% 4.60% -0.14% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% <-Median-> 5 % of Stock Price
Notes:
February 25, 2024.  Last estimates were for 2023 and 2024 of $89.3M, $82.2M for Revenue, R1.06, $1.10 for EPS. 
$0.95 and $0.90 for Dividends, $11.10 and $11.40 for BVPS, and $46.8M and $48.3M for Net Income.
February 22, 2023. Last esitmates were for 2022 and 2023 of $67.4M, $69.4M for Revenue, $1.01, $1.03 for EPS, 
$0.90 and $0.90 for Dividends, $11.00 and $11.20 fpr BVPS, and $44M and $45.4M for Net Income.
February 26, 2021.  Last estimates were for 2021 and 2022 of $66.4M and $69.0M for Revenue, $0.98 and $1.02 for EPS, 
$0.92 and $0.94 for Dividends and $41.6M and $43.6M for Net Income.
February 21, 2021.  Last estimates were for 2020 and 2021 of $66.3M, and $67.0M for Revenue, 
$0.94 and $0.95 for EPS, $0.94 and $0.95 for Dividends and $40.4M and $41.7M for Net Income.
February 21, 2020.  Last estimates were for 2019 and 2020 of $65.1M and $66.3M for Revenue, $0.98 and $1.00 for EPS.
February 17, 2019.  Lasy estimates were for 2018 and 2019 of $55.8M and $56M for Revenue, $0.98 and $0.99 for EPS.
September 2012 company listed on TSX.
August 20, 2012 the company changed its name from DB Mortgage Investment Corp.
This company is a Mortgage Investment Corporation and so its dividends are taxed as interest income.  They also must pay out all their earnings.
Sector:
Financial Services, Finance
What should this stock accomplish?
Would I buy this company and Why.
Why am I following this stock. 
I saw this on company on the <a href="http://www.dividendgrowthinvestingandretirement.com/canadian-dividend-all-star-list/" target="_top">Canadian Dividend All-Star List</a>.  
It has just recently started to pay dividends.  It has only been around since 2012 and has good dividends.
It has just recently started to pay dividends and dividends are good but are taxed as income.
Why I bought this stock.
Dividends
Dividends are paid Monthly.  Dividends are declared in one month for shareholders of record of that month and paid in the next month.
For example, the dividends declared on December 21, 2017 was for shareholders of record of December 29, 2017 and and paid on January 12, 2018.
Misson Statement or closes thing I can find.
What I am looking for is a statement that the company wants to do well by their customers, employees, and community and and thereby earn shareholders a reasonable return.
For customers 
For employees 
For community 
For investors 
How they make their money.
Atrium Mortgage Investment Corp is a mortgage investment corporation in Canada. The company is a provider of financing solutions to commercial real estate 
and development communities in urban centers in Ontario and Western Canada. The company generates its revenue from mortgage interest and fees and rental income.
Shares; '%, Value $M Div. Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Shares %, Val $M Change
Date 8.07% 11.11% Sep 14 2018 Feb 17 2019 Feb 21 2020 Feb 21 2021 Feb 26 2022 Feb 24 2023 Feb 25 2024
Goodall, Robert G. 4.82% 7.52% 0.651 1.78% 0.693 1.66% 0.738 1.74% 0.787 1.84% 0.839 1.94% 0.839 1.91% 0.998 2.27% 18.96%
CEO - Shares - Amount $8.192 $10.054 $9.341 $11.053 $9.003 $8.827 $11.279
Options - percentage Div. 0.015 0.04% 0.017 0.04% 0.021 0.05% 0.024 0.06% 0.028 0.06% 0.028 0.06% 0.024 0.06% -13.51%
Options - amount 7.67% 13.03% $0.185 $0.251 $0.262 $0.343 $0.300 $0.295 $0.274
4.72% 8.60%
Ahmad, John Abrar 0.000 0.00% 0.002 0.00% Not found 2023 347.92%
CFO - Shares - Amount Div. $0.004 $0.021
Options - percentage 8.05% 10.15% 0.000 0.00% 0.008 0.02% #DIV/0!
Options - amount 6.02% 8.50% $0.000 $0.090
4.62% 7.55%
Scoffield, Jennifer Lynn 0.004 0.01% 0.007 0.02% 0.011 0.03% 0.017 0.04% 0.018 0.04% 0.018 0.04% 0.038 0.09% Last report Feb 2024 110.65%
CFO - Shares - Amount Div. check $0.045 $0.102 $0.141 $0.238 $0.194 $0.190 $0.430 Seems to be director
Options - percentage 7.41% 10.36% 0.002 0.00% 0.003 0.01% 0.005 0.01% 0.006 0.01% 0.008 0.02% 0.008 0.02% 0.029 0.07% 267.43%
Options - amount 6.74% 10.30% $0.019 $0.044 $0.063 $0.082 $0.084 $0.082 $0.325
4.65% 8.15%
Munroe, Richard 0.011 0.03% 0.011 0.03% 0.018 0.04% 59.96%
Officer - Shares - Amount Div. check $0.119 $0.116 $0.200
Options - percentage 8.00% 4.95% 0.004 0.01% 0.004 0.01% 0.005 0.01% 12.50%
Options - amount 8.33% 8.13% $0.043 $0.042 $0.051
5.44% 6.73%
Agako, Genti 0.000 0.00% Only two officers on INK #DIV/0!
Officer - Shares - Amount Div. check $0.000
Options - percentage 8.00% 4.47% 0.000 0.00% #DIV/0!
Options - amount 8.33% 8.03% $0.000
5.44% 6.61%
DeGasperis, Robert Hans 0.122 0.28% 0.124 0.28% 1.23%
Director - Shares - Amount $1.285 $1.397
Options - percentage 0.013 0.03% 0.017 0.04% 33.64%
Options - amount $0.134 $0.193
Lockhart, Nancy 0.409 0.98% 0.403 0.95% 0.402 0.94% 0.398 0.92% 0.398 0.91% 0.387 0.88% -2.96%
Director - Shares - Amount $5.936 $5.095 $5.647 $4.275 $4.192 $4.369
Options - percentage 0.003 0.01% 0.005 0.01% 0.007 0.02% 0.012 0.03% 0.012 0.03% 0.023 0.05% 103.28%
Options - amount $0.045 $0.059 $0.097 $0.123 $0.121 $0.264
Cohos, Peter Phillip 0.133 0.36% 0.139 0.33% 0.183 0.43% 0.184 0.43% 0.186 0.43% 0.186 0.42% 0.169 0.38% -9.14%
Director - Shares - Amount $1.674 $2.011 $2.315 $2.592 $1.996 $1.957 $1.910
Options - percentage 0.007 0.02% 0.003 0.01% 0.003 0.01% 0.006 0.01% 0.009 0.02% 0.009 0.02% 0.017 0.04% 85.08%
Options - amount $0.087 $0.045 $0.038 $0.090 $0.098 $0.096 $0.191
Silver, Mark L. 0.315 0.86% 0.315 0.75% 0.179 0.42% 0.185 0.43% 0.186 0.43% 0.186 0.42% 0.189 0.43% 1.61%
Chairman - Shares - Amt $3.970 $4.573 $2.265 $2.594 $1.997 $1.958 $2.137
Options - percentage 0.005 0.01% 0.007 0.02% 0.000 0.00% 0.007 0.02% 0.010 0.02% 0.010 0.02% 0.000 0.00% -100.00%
Options - amount $0.063 $0.098 $0.000 $0.099 $0.111 $0.109 $0.000
Increase in O/S Shares 0.007 0.02% 0.038 0.10% 0.020 0.05% 0.024 0.06% 0.013 0.03% 0.042 0.10% 0.014 0.03%
Due to Stock Options $0.087 $0.479 $0.285 $0.307 $0.177 $0.447 $0.149
Book Value $0.097 $0.450 $0.248 $0.317 $0.160 $0.378 $0.454
Insider Buying $0.000 -$0.043 -$0.029 -$0.091 $0.000 $0.000 $0.000
Insider Selling $0.338 $0.100 $1.954 $0.051 $0.051 $0.051 $0.337
Net Insider Selling $0.338 $0.057 $1.926 -$0.039 $0.051 $0.051 $0.337
Net Selling % of Market Cap 0.07% 0.01% 0.36% -0.01% 0.01% 0.01% 0.07%
Directors 7 7 7 7 7 8 8
Women 1 14% 1 14% 1 14% 1 14% 1 14% 2 25% 2 25%
Minorities 0 0% 0 0% 0 0% 0 0% 0 0% 0 0% 0 0%
Institutions/Holdings 2 5.56% 3 4.77% 12 6.18% 14 6.18% 14 4.32% 13 5.15%
Total Shares Held 1.850 5.06% 1.869 4.46% 2.439 5.75% 1.812 4.18% 1.871 4.25% 2.264 5.15%
Increase/Decrease 3 Mths -0.001 -0.04% 0.001 0.08% 0.052 2.17% -0.178 -8.93% -0.009 -0.49% -0.118 -4.96%
Starting No. of Shares 1.851 1.868 2.387 1.990 Top 20 MS 1.880 Top 20 MS 2.382 Top 20 MS
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