Weekly Intrinsic Values


Ticker	Company ——————– Industry	Margin of Safety Intrinsic Value	Stock Price	Stock Price / Margin of Safety Intrinsic Value	P/E ———- 3Yr Avg Profit Margin	52wk Lo ———- % Off 52wk Hi	Growth Grade* ———- Long Term Debt/FCF	Major Index ———- 10yr Dividend Change	Market Cap ———- 10yr Share Count Change
FFBC	FIRST FINANCIAL BANCORP. ——————– Banks	27.42	22.30	0.81	8.90 ———- 31.0%	17.23 ———- 10.76%	D- ———- 0.86	S&P600 ———- 51.00%	$2.13B ———- 60.00%
JD	JD.COM, INC. ——————– Internet & Direct Marketing Retail	34.37	29.62	0.86	13.77 ———- 1.0%	20.82 ———- 29.40%	D- ———- 0.81	N/A ———- N/A	$46.32B ———- -34.00%
EBTC	ENTERPRISE BANCORP, INC. ——————– Banks	28.44	25.15	0.88	8.62 ———- 25.0%	23.01 ———- 26.25%	F ———- 2.15	N/A ———- 106.00%	$311.22M ———- 20.00%
HTBK	HERITAGE COMMERCE CORP ——————– Banks	9.21	8.15	0.88	8.98 ———- 33.1%	7.25 ———- 20.25%	F ———- 0.55	N/A ———- 188.89%	$499.24M ———- 131.14%
OZK	BANK OZK ——————– Banks	46.18	41.88	0.91	6.91 ———- 47.2%	34.24 ———- 20.02%	C- ———- 1.50	S&P400 ———- 202.13%	$4.73B ———- 47.11%
EPR	EPR PROPERTIES ——————– Equity Real Estate Investment Trusts (REITs)	42.88	41.04	0.96	20.21 ———- 25.0%	39.66 ———- 16.42%	F ———- 6.30	S&P400 ———- -4.00%	$3.11B ———- 39.00%
MPC	MARATHON PETROLEUM CORPORATION ——————– Oil, Gas & Consumable Fuels	173.99	176.61	1.02	8.81 ———- 8.0%	104.32 ———- 20.13%	F ———- 2.07	S&P500 ———- 234.00%	$62.23B ———- -29.00%
NMIH	NMI HOLDINGS, INC. ——————– Thrifts & Mortgage Finance	31.91	33.18	1.04	8.19 ———- 53.0%	24.53 ———- 3.35%	C+ ———- 1.19	S&P600 ———- N/A	$2.66B ———- 43.88%
ENVA	ENOVA INTERNATIONAL, INC. ——————– Consumer Finance	57.46	61.65	1.07	11.08 ———- 13.8%	35.30 ———- 5.15%	C+ ———- 2.62	S&P600 ———- N/A	$1.67B ———- -3.29%
PPBI	PACIFIC PREMIER BANCORP, INC. ——————– Banks	20.53	22.24	1.08	158.74 ———- 30.0%	17.86 ———- 26.19%	F ———- 3.81	S&P600 ———- N/A	$2.14B ———- 443.00%
WTFC	WINTRUST FINANCIAL CORPORATION ——————– Banks	87.43	98.61	1.13	10.20 ———- 27.0%	62.87 ———- 6.34%	C- ———- 5.23	S&P400 ———- 300.00%	$6.09B ———- 22.00%
VLY	VALLEY NATIONAL BANCORP ——————– Banks	6.32	7.13	1.13	8.42 ———- 31.0%	6.75 ———- 36.45%	F ———- 7.38	S&P400 ———- 0.00%	$3.63B ———- 148.00%
SPTN	SPARTANNASH COMPANY ——————– Food & Staples Retailing	17.34	19.65	1.13	13.23 ———- 1.0%	18.57 ———- 19.83%	F ———- -18.99	S&P600 ———- 79.00%	$665.97M ———- -6.00%
VBTX	VERITEX HOLDINGS, INC. ——————– Banks	17.81	20.40	1.15	11.84 ———- 33.5%	15.93 ———- 16.60%	F ———- 2.32	S&P600 ———- N/A	$1.11B ———- 663.26%
OFG	OFG BANCORP ——————– Banks	31.84	37.16	1.17	9.50 ———- 29.1%	23.96 ———- 4.82%	F ———- 0.81	S&P600 ———- 158.82%	$1.75B ———- -9.12%
HLF	HERBALIFE LTD. ——————– Personal Products	8.72	10.30	1.18	7.51 ———- 6.0%	6.68 ———- 47.13%	F ———- 10.13	N/A ———- -100.00%	$1.03B ———- -45.00%
XRAY	DENTSPLY SIRONA INC. ——————– Health Care Equipment & Supplies	23.48	28.01	1.19	———- -6.0%	26.27 ———- 32.74%	F ———- 4.68	S&P500 ———- 111.00%	$5.82B ———- 47.00%
STLD	STEEL DYNAMICS, INC. ——————– Metals & Mining	110.77	133.87	1.21	9.19 ———- 16.0%	90.55 ———- 11.54%	C+! ———- 1.40	S&P500 ———- 269.57%	$21.04B ———- -30.84%
SEIC	SEI INVESTMENTS COMPANY ——————– Capital Markets	55.67	67.71	1.22	18.51 ———- 25.5%	52.20 ———- 6.66%	D+! ———- 0.00	S&P400 ———- 93.48%	$8.9B ———- -22.51%
VRSN	VERISIGN, INC. ——————– IT Services	140.81	174.32	1.24	21.43 ———- 54.0%	167.05 ———- 23.32%	D+! ———- 2.22	S&P500 ———- N/A	$17.36B ———- -27.00%
EVTC	EVERTEC INC ——————– IT Services	27.09	34.97	1.29	35.08 ———- 26.0%	31.56 ———- 17.15%	D ———- 4.67	S&P600 ———- -50.00%	$2.25B ———- -17.00%
HSY	THE HERSHEY COMPANY ——————– Food Products	147.86	197.83	1.34	19.61 ———- 16.3%	178.82 ———- 24.86%	B+! ———- 2.44	S&P500 ———- 118.43%	$40.01B ———- -8.58%
GHC	GRAHAM HOLDINGS COMPANY ——————– Diversified Consumer Services	525.58	752.43	1.43	12.48 ———- 5.8%	551.36 ———- 3.39%	F ———- 4.48	S&P400 ———- -35.29%	$3.34B ———- -29.04%
PRAA	PRA GROUP, INC. ——————– Consumer Finance	14.32	21.58	1.51	———- 6.2%	11.85 ———- 31.34%	F ———- -14.70	S&P600 ———- N/A	$849.22M ———- -22.30%
APEI	AMERICAN PUBLIC EDUCATION, INC. ——————– Diversified Consumer Services	11.50	17.40	1.51	———- -8.0%	3.76 ———- 17.30%	F ———- 2.07	N/A ———- N/A	$305.81M ———- 4.00%
FCN	FTI CONSULTING, INC. ——————– Professional Services	141.87	214.80	1.51	24.97 ———- 8.0%	171.81 ———- 7.47%	F ———- 1.17	S&P400 ———- N/A	$7.67B ———- -12.00%
AVB	AVALONBAY COMMUNITIES, INC. ——————– Equity Real Estate Investment Trusts (REITs)	119.58	192.68	1.61	28.67 ———- 40.0%	160.45 ———- 4.00%	F ———- 5.86	S&P500 ———- 42.00%	$27.4B ———- 8.00%
NVT	NVENT ELECTRIC PUBLIC LIMITED COMPANY ——————– Electrical Equipment	45.30	81.38	1.80	23.68 ———- 14.0%	43.21 ———- 6.00%	D ———- 3.27	S&P400 ———- N/A	$13.51B ———- -6.00%
BLD	TOPBUILD CORP. ——————– Household Durables	229.30	417.95	1.82	21.08 ———- 11.0%	199.31 ———- 7.71%	B! ———- 1.75	S&P400 ———- N/A	$13.3B ———- -17.00%
AVY	AVERY DENNISON CORPORATION ——————– Containers & Packaging	113.65	227.59	2.00	33.24 ———- 8.0%	158.93 ———- 1.04%	D+! ———- 4.67	S&P500 ———- 137.00%	$18.33B ———- -15.00%
ZBRA	ZEBRA TECHNOLOGIES CORPORATION ——————– Electronics, Instruments & Components	150.95	312.34	2.07	61.95 ———- 9.8%	194.59 ———- 4.98%	D ———- -22.49	S&P500 ———- N/A	$16.06B ———- 0.64%
WAB	WESTINGHOUSE AIR BRAKE TECHNOLOGIES CORPORATION ——————– Machinery	77.89	169.23	2.17	32.92 ———- 7.7%	91.89 ———- 0.94%	D+ ———- 3.23	S&P500 ———- 240.00%	$29.85B ———- 85.27%
CG	THE CARLYLE GROUP INC. ——————– Capital Markets	18.37	42.96	2.34	———- 15.0%	27.13 ———- 11.46%	F ———- 66.92	S&P400 ———- -27.00%	$15.46B ———- 428.00%
VRTX	VERTEX PHARMACEUTICALS INCORPORATED ——————– Biotechnology	152.51	455.34	2.99	29.54 ———- 34.9%	320.01 ———- 0.51%	B+! ———- 0.11	S&P500 ———- N/A	$117.5B ———- 10.71%
KRG	KITE REALTY GROUP TRUST ——————– Equity Real Estate Investment Trusts (REITs)	5.32	21.92	4.12	85.69 ———- -6.0%	19.16 ———- 9.65%	D- ———- 11.22	S&P400 ———- -7.00%	$4.81B ———- 277.00%

Growth Grade is an indicator of a company’s growth potential, refer to the Terminology page for a full description.
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10Yr Dividend Change is the percent change in the total annual dividend during this time. Example:*
10Yrs Ago Dividend = 1.25; Current Dividend = 4.20; then
Percent Change = (4.20-1.25)/1.25100 = 236%*
A -100% (negative 100%) indicates the company stopped paying a dividend
‘N/A’ indicates the company has not been paying a dividend
For companies that pay a dividend this should be increasing over time, but companies in their growth phase will likely not pay a dividend
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10Yr Share Count Change is the change in total outstanding shares during the period
Outstanding share count should be decreasing over time for a company that’s financially stable and past its growth phase
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Long Term Debt/FCF is a measurement to determine if the company’s long-term debt is within a reasonable amount, less than 3 is an ideal number
Value of zero means the company has no long term debt
A negative value means the company has long term debt but had negative FCF
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3yr Avg Profit Margin measures the average percentage of income to the revenue (100 * Net Income/Revenue) over the past 3 years
Ideally companies with at least 10% is a good starting point, but value can be found in companies that have a lower average
Profit Margin vary between industries with Some having much higher averages than others

Intrinsic values and other data provided are intended as reference only. They should never be used as the sole means of valuing a company and/or making investment decisions. As with any investment, an investor should perform their due diligence before investing. This includes understand the investment risks, reviewing financial reporting documents, and consult an investment professional if necessary.