This report is for educational purposes only, and not to provide investment advice.  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	<-Estimates
See my website on stocks or see my blog at the following sites.							https://spbrunner.com/stocks.html				https://spbrunner.blogspot.com/
Toronto Dominion Bank						TSX:	TD	NYSE:	TD	https://www.td.com/		Fiscal Yr:	Oct 31
Year	10/31/13	10/31/14	10/31/15	10/31/16	10/31/17	10/31/18	10/31/19	10/31/20	10/31/21	10/31/22	10/31/23	10/31/24	10/31/25	10/31/26	10/31/27	10/31/28		Value	Description	#Y	Item	Total G
Accounting Rules	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS	IFRS
Split Date		31-Jan-14
Split		2
														$56,631	<-12 mths	1.63%
Revenue net of ISE									$40,138	$49,032	$51,839	$50,142	$55,721	$57,924	$60,366						Revenue net of ISE
change										22.16%	5.72%	-3.27%	11.13%	3.95%	4.22%						change
Insurance Services Expenses (ISE)												$6,647	$6,089	$6,089	$6,089						Ins Serv Expenses (ISE)
Adjusted Revenue less Rev net of ISE												$6,647	$6,089								Adj Rev less Rev net of ISE
Adjusted Revenue	$27,191	$29,681	$31,437	$34,308	$35,946	$38,981	$41,065	$42,225	$42,693	$46,170	$51,839	$56,789	$61,810	$64,013	$66,455			96.62%	<-Total Growth	10	Adjusted Revenue
change	5.90%	9.16%	5.92%	9.13%	4.77%	8.44%	5.35%	2.82%	1.11%	8.14%	12.28%	9.55%	8.84%	3.56%	3.81%			8.29%	<-Median->	10	change
Share of net inc fr invest in Schwab											$864	$703	$305
Revenue less above											$51,356	$57,926	$68,082	$63,883	$66,131	$68,357
Increase												12.79%	17.53%	-6.17%	3.52%	3.37%
														$70,034	<-12 mths	3.33%
Int. Inc, other Inc	$33,800	$36,305	$37,021	$40,952	$45,134	$53,017	$59,133	$53,682	$48,143	$62,711	$29,944	$30,472	$33,062					-10.69%	<-Total Growth	10	Int. Inc, other Inc
Total Revenue*	$27,262	$29,961	$31,426	$34,315	$36,149	$38,834	$41,065	$43,646	$42,562	$49,032	$50,492	$57,223	$67,777	$63,883	$66,131	$68,357		115.67%	<-Total Growth	10	Revenue	-10.69%
Increase	17.91%	9.90%	4.89%	9.19%	5.34%	7.43%	5.74%	6.29%	-2.48%	15.20%	2.98%	13.33%	18.44%	-5.75%	3.52%	3.37%		7.99%	<-IRR #YR->	10	Revenue	-38.41%
5 year Running Average	$21,881	$24,301	$26,673	$29,217	$31,823	$34,137	$36,358	$38,802	$40,451	$43,028	$45,359	$48,591	$53,417	$57,681	$61,101	$64,674		9.20%	<-IRR #YR->	5	Revenue	277.19%
Revenue per Share	$14.83	$16.23	$16.93	$18.47	$19.62	$21.22	$22.66	$24.03	$23.34	$26.92	$28.19	$32.69	$40.12	$37.81	$39.14	$40.46		7.19%	<-IRR #YR->	10	5 yr Running Average	193.45%
Increase	17.75%	9.46%	4.32%	9.11%	6.21%	8.14%	6.79%	6.07%	-2.90%	15.34%	4.72%	15.99%	22.71%	-5.75%	3.52%	3.37%		6.60%	<-IRR #YR->	5	5 yr Running Average	100.27%
5 year Running Average	$12.18	$13.35	$14.51	$15.81	$17.22	$18.49	$19.78	$21.20	$22.17	$23.63	$25.03	$27.03	$30.25	$33.14	$35.59	$38.04		9.01%	<-IRR #YR->	10	Revenue per Share	37.67%
P/S (Price/Sales) Med	2.94	3.24	3.15	2.97	3.39	3.52	3.16	2.61	3.19	3.45	3.01	2.46	2.36	3.25	0.00	0.00		10.79%	<-IRR #YR->	5	Revenue per Share	425.05%
P/S (Price/Sales) Close	3.23	3.42	3.17	3.29	3.74	3.44	3.32	2.45	3.85	3.24	2.75	2.35	2.87	3.43	3.31	3.18		7.62%	<-IRR #YR->	10	5 yr Running Average	273.80%
*Revenue in M CDN $ (using total revenue)					P/S Med	20 yr	3.16	15 yr	3.15	10 yr	3.09	5 yr	3.01		11.07%	Diff M/C		7.37%	<-IRR #YR->	5	5 yr Running Average
			-$31,426	$0	$0	$0	$0	$0	$0	$0	$0	$0	$67,777
								-$43,646	$0	$0	$0	$0	$67,777
			-$26,673	$0	$0	$0	$0	$0	$0	$0	$0	$0	$53,417
								-$38,802	$0	$0	$0	$0	$53,417
			-$16.93	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$40.12
								-$24.03	$0.00	$0.00	$0.00	$0.00	$40.12
			-$14.51	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$30.25
								-$21.20	$0.00	$0.00	$0.00	$0.00	$30.25
														$8.59	<-12 mths	2.63%
Net Income Adjusted										$15,425	$15,143	$14,277	$15,025
NCI										$259	$563	$526	$526
Net Income Adjusted Shareholders										$15,166	$14,580	$13,751	$14,499
Pre-split 1989
Pre-split 1999
Pre-split 2014	$6.93
Adjusted Profit CDN$	$6,846	$7,877	$8,754	$9,292	$10,587	$12,183	$12,503	$9,968	$14,649	$15,166	$14,580	$13,751	$13,751					57.08%	<-Total Growth	10	Adjusted Profit CDN$	Avail. To Sh
Return on Equity ROE	14.54%	15.01%	13.96%	13.63%	15.17%	16.45%	15.27%	11.02%	15.56%	14.34%	13.69%	13.19%	11.76%					14.01%	<-Median->	10	Return on Equity ROE
5Yr Median	13.97%	14.54%	14.54%	14.54%	14.54%	15.01%	15.17%	15.17%	15.27%	15.27%	14.34%	13.69%	13.69%					14.78%	<-Median->	10	5Yr Median
Pre-Split 2014
Basic	$3.72	$4.28	$4.62	$4.88	$5.55	$6.48	$6.71	$5.37	$7.92	$8.38	$8.00	$7.82	$8.38					81.39%	<-Total Growth	10	AEPS
Pre-split 2014
AEPS* Dilued	$3.71	$4.27	$4.61	$4.87	$5.54	$6.47	$6.69	$5.36	$7.91	$8.36	$7.99	$7.81	$8.37	$9.07	$10.11	$10.30		81.56%	<-Total Growth	10	AEPS
Increase	0.00%	15.09%	7.96%	5.64%	13.76%	16.79%	3.40%	-19.88%	47.57%	5.69%	-4.43%	-2.25%	7.17%	8.36%	11.47%	1.88%		10	0	10	Years of Data, EPS P or N	100.00%
5 year Running Average	$3.28	$3.60	$3.94	$4.23	$4.60	$5.15	$5.64	$5.79	$6.39	$6.96	$7.26	$7.49	$8.09	$8.32	$8.67	$9.13		6.15%	<-IRR #YR->	10	AEPS	81.56%
AEPS Yield	7.76%	7.70%	8.59%	8.00%	7.55%	8.86%	8.90%	9.12%	8.80%	9.59%	10.32%	10.15%	7.27%	7.00%	7.80%	8.00%		9.32%	<-IRR #YR->	5	AEPS	56.16%
Payout Ratio	43.67%	43.09%	43.38%	44.35%	42.42%	40.34%	43.20%	58.02%	39.95%	42.58%	48.06%	52.24%	50.18%	47.63%	42.73%	41.94%		7.45%	<-IRR #YR->	10	5 yr Running Average	105.18%
5 year Running Average	41.76%	41.25%	41.47%	42.69%	43.38%	42.72%	42.74%	45.67%	44.79%	44.82%	46.36%	48.17%	46.60%	48.14%	48.17%	46.94%		6.93%	<-IRR #YR->	5	5 yr Running Average	39.79%
Price/AEPS Median	11.76	12.31	11.57	11.28	12.01	11.53	10.71	11.68	9.41	11.12	10.62	10.29	11.31	13.57	0.00	0.00		11.20	<-Median->	10	Price/AEPS Median
Price/AEPS High	12.89	13.56	12.50	12.50	13.24	12.32	11.62	14.18	11.35	12.90	11.71	11.13	13.77	14.58	0.00	0.00		12.41	<-Median->	10	Price/AEPS High
Price/AEPS Low	10.63	11.05	10.63	10.07	10.78	10.74	9.81	9.19	7.46	9.35	9.53	9.46	8.84	12.55	0.00	0.00		9.50	<-Median->	10	Price/AEPS Low
Price/AEPS Close	12.89	12.99	11.64	12.50	13.24	11.29	11.24	10.97	11.36	10.43	9.69	9.86	13.76	14.29	12.82	12.49		11.26	<-Median->	10	Price/AEPS Close
Trailing P/AEPS Close	12.89	14.95	12.57	13.20	15.07	13.18	11.62	8.79	16.76	11.02	9.27	9.63	14.75	15.49	14.29	12.73		12.40	<-Median->	10	Trailing P/AEPS Close
Median Values	Historical	in order	11.52	12.89	10.20	11.59	P/AEPS	5 Yrs	in order	10.62	11.71	9.35	10.43		32.28%	Diff M/C					DPR 75% to 95% best
* Adjusted Earnings per Share
			-$4.61	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$8.37
								-$5.36	$0.00	$0.00	$0.00	$0.00	$8.37
			-$3.94	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$8.09
								-$5.79	$0.00	$0.00	$0.00	$0.00	$8.09
														$11.79	<-12 mths	1.99%
EPS Basic	$3.47	$4.15	$4.22	$4.38	$5.51	$6.02	$6.26	$6.43	$7.73	$9.48	$5.61	$4.73	$11.57					174.17%	<-Total Growth	10	EPS Basic
Pre-split 1989
Pre-split 1999
Pre-split 2014	$6.91
EPS Diluted*	$3.46	$4.14	$4.21	$4.67	$5.50	$6.01	$6.25	$6.43	$7.72	$9.47	$5.60	$4.72	$11.56	$8.92	$10.04	$10.30		174.58%	<-Total Growth	10	EPS Diluted
Increase	2.22%	19.83%	1.69%	10.93%	17.77%	9.27%	3.99%	2.88%	20.06%	22.67%	-40.87%	-15.71%	144.92%	-22.87%	12.61%	2.59%		10	0	10	Years of Data, EPS P or N	100.00%
Earnings Yield	7.2%	7.5%	7.8%	7.7%	7.5%	8.2%	8.3%	10.9%	8.6%	10.9%	7.2%	6.1%	10.0%	6.9%	7.7%	8.0%		10.63%	<-IRR #YR->	10	Earnings per Share	174.58%
5 year Running Average	$2.76	$3.35	$3.68	$3.97	$4.40	$4.91	$5.33	$5.77	$6.38	$7.18	$7.09	$6.79	$7.81	$8.05	$8.17	$9.11		12.45%	<-IRR #YR->	5	Earnings per Share	79.78%
10 year Running Average	$2.55	$2.79	$3.05	$3.20	$3.48	$3.83	$4.34	$4.73	$5.18	$5.79	$6.00	$6.06	$6.79	$7.22	$7.67	$8.10		7.83%	<-IRR #YR->	10	5 yr Running Average	112.45%
* ESP per share  Cdn GAAP)									E/P	10 Yrs	8.27%	5Yrs	8.59%					6.25%	<-IRR #YR->	5	5 yr Running Average	35.38%
			-$4.21	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$11.56
								-$6.43	$0.00	$0.00	$0.00	$0.00	$11.56
			-$3.68	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$7.81
								-$5.77	$0.00	$0.00	$0.00	$0.00	$7.81
Dividend*														$4.37	$4.63	$4.50					Dividend*
Increase														4.12%	5.95%	-2.87%					Increase
Payout Ratio EPS														49.05%	46.15%	43.69%					Payout Ratio Adj EPS
Special Dividends	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00		$0.00	<-Median->	10	Special Dividends
Pre-split 1989
Pre-split 1999
Pre-split 2014	$3.24
Dividend*	$1.62	$1.84	$2.00	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$4.20	$4.32	$4.32	$4.32		110.00%	<-Total Growth	10	Dividends
Increase	12.11%	13.58%	8.70%	8.00%	8.80%	11.06%	10.73%	7.61%	1.61%	12.66%	7.87%	6.25%	2.94%	2.86%	0.00%	0.00%		45	0	50	Years of data, Count P, N	90.00%
Average Increases 5 Year Running	6.64%	8.68%	10.42%	10.62%	10.24%	10.03%	9.46%	9.24%	7.96%	8.73%	8.09%	7.20%	6.26%	6.51%	3.98%	2.41%		8.99%	<-Median->	10	Average Incr 5 Year Running
Dividends 5 Yr Running	$1.36	$1.49	$1.64	$1.81	$1.99	$2.19	$2.40	$2.62	$2.82	$3.07	$3.31	$3.55	$3.77	$4.00	$4.15	$4.25		129.48%	<-Total Growth	10	Dividends 5 Yr Running
Yield H/L Price	3.71%	3.50%	3.75%	3.93%	3.53%	3.50%	4.03%	4.97%	4.25%	3.83%	4.53%	5.08%	4.44%	3.51%				4.14%	<-Median->	10	Dividends	Item
Yield on High  Price	3.39%	3.18%	3.47%	3.55%	3.20%	3.28%	3.72%	4.09%	3.52%	3.30%	4.10%	4.70%	3.64%	3.27%				3.60%	<-Median->	10	Dividends	EPS
Yield on Low Price	4.11%	3.90%	4.08%	4.41%	3.94%	3.76%	4.40%	6.31%	5.35%	4.55%	5.04%	5.52%	5.67%	3.79%				4.80%	<-Median->	10	Dividends	AEPS
Yield on Close Price	3.39%	3.32%	3.73%	3.55%	3.20%	3.57%	3.84%	5.29%	3.52%	4.08%	4.96%	5.30%	3.65%	3.33%	3.33%	3.36%		3.74%	<-Median->	10	Dividends	CFPS
Payout Ratio EPS	46.89%	44.44%	47.51%	46.25%	42.73%	43.43%	46.24%	48.37%	40.93%	37.59%	68.57%	86.44%	36.33%	48.5%	43.0%	41.9%		44.83%	<-Median->	10	DPR EPS	FCF
DPR EPS 5 Yr Running	49.31%	44.41%	44.64%	45.66%	45.37%	44.68%	45.08%	45.46%	44.25%	42.73%	46.69%	52.30%	48.22%	49.67%	50.84%	46.64%		45.42%	<-Median->	10	DPR EPS 5 Yr Running
Payout Ratio CFPS	9.40%	13.08%	10.52%	9.09%	12.42%	83.92%	1932.89%	2.44%	11.50%	16.65%	-10.53%	13.00%	-10.19%	-10.48%	#VALUE!	#DIV/0!		11.96%	<-Median->	10	DPR CF
DPR CF 5 Yr Running	16.75%	18.40%	14.27%	11.09%	10.72%	13.90%	18.49%	7.56%	7.96%	8.53%	11.81%	10.35%	731.29%	776.31%	#VALUE!	#DIV/0!		10.91%	<-Median->	10	DPR CF 5 Yr Running
Payout Ratio CFPS WC	36.28%	33.15%	36.87%	33.20%	19.19%	30.72%	35.88%	49.12%	36.39%	34.67%	65.06%	78.43%	32.80%	33.74%	#VALUE!	#DIV/0!		35.27%	<-Median->	10	DPR CF WC
DPR CF WC 5 Yr Running	37.81%	35.22%	35.10%	34.50%	29.16%	28.68%	29.49%	31.51%	32.23%	36.65%	42.20%	48.78%	43.96%	46.66%	#VALUE!	#DIV/0!		33.36%	<-Median->	10	DPR CF WC 5 Yr Running
Median Values	10 Yr Med	10 Yr Cl	4.14%	3.74%	5 Yr Med	5 Yr Cl	4.44%	4.08%	5 Yr Med	Payout	40.93%	11.50%	36.39%					6.19%	<-IRR #YR->	5	Dividends	35.05%
* Dividends per share	10 Yr Med	and Cur.	-19.51%	-11.02%	5 Yr Med	and Cur.	-24.91%	-18.39%	Last Div Inc --->		$1.05	$1.08	2.86%					7.70%	<-IRR #YR->	10	Dividends	110.00%
Dividends Growth 15																		8.59%	<-IRR #YR->	15	Dividends	244.26%
Dividends Growth 20																		8.71%	<-IRR #YR->	20	Dividends	431.65%
Dividends Growth 25																		9.25%	<-IRR #YR->	25	Dividends	624.14%
Dividends Growth 30																		10.33%	<-IRR #YR->	30	Dividends	1809.09%
Dividends Growth 35																		9.25%	<-IRR #YR->	35	Dividends	2110.53%
Dividends Growth 40																		9.83%	<-IRR #YR->	40	Dividends	4153.16%
Dividends Growth 45																		10.00%	<-IRR #YR->	45	Dividends
Dividends Growth 50																		10.45%	<-IRR #YR->	50	Dividends
Dividends Growth 5								-$3.11	$0.00	$0.00	$0.00	$0.00	$4.20								Dividends Growth 5
Dividends Growth 10			-$2.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$4.20								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	$4.20								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	$4.20								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	$4.20								Dividends Growth 25
Dividends Growth 30	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$4.20								Dividends Growth 30
Dividends Growth 35	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$4.20								Dividends Growth 35
Dividends Growth 40	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$4.20								Dividends Growth 40
Dividends Growth 45	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$4.20								Dividends Growth 45
Dividends Growth 50	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$4.20								Dividends Growth 50
Historical Dividends	Historical	High Div	5.89%	Low Div	2.46%	10 Yr High	6.25%	10 Yr Low	3.19%	Med Div	3.57%	Close Div	3.47%								Historical Dividends
High/Ave/Median Values	Curr diff	Exp.	-43.43%		35.45%	Exp.	-46.69%		4.45%	Exp.	-6.67%	Exp.	-3.96%								High/Ave/Median
Historical Dividends 1988	Historical	High Div	5.54%	Low Div	2.39%	10 Yr High	6.25%	10 Yr Low	3.19%	Med Div	3.53%	Close Div	3.53%								Historical Dividends
Future Dividend Yield					Div Yd	4.50%	earning in	5	Years	at IRR of	6.19%	Div Inc.	35.05%								Future Dividend Yield
Future Dividend Yield					Div Yd	6.08%	earning in	10	Years	at IRR of	6.19%	Div Inc.	82.38%								Future Dividend Yield
Future Dividend Yield					Div Yd	8.21%	earning in	15	Years	at IRR of	6.19%	Div Inc.	146.30%								Future Dividend Yield
Future Dividend Paid					Div Paid	$5.83	earning in	5	Years	at IRR of	6.19%	Div Inc.	35.05%								Future Dividend Paid
Future Dividend Paid					Div Paid	$7.88	earning in	10	Years	at IRR of	6.19%	Div Inc.	82.38%								Future Dividend Paid
Future Dividend Paid					Div Paid	$10.64	earning in	15	Years	at IRR of	6.19%	Div Inc.	146.30%								Future Dividend Paid
Dividend Covering Cost					Total Div	$24.45	over	5	Years	at IRR of	6.19%	Div Cov.	18.86%								Dividend Covering Cost
Dividend Covering Cost					Total Div	$51.63	over	10	Years	at IRR of	6.19%	Div Cov.	39.82%								Dividend Covering Cost
Dividend Covering Cost					Total Div	$88.33	over	15	Years	at IRR of	6.19%	Div Cov.	68.13%								Dividend Covering Cost
I am earning GC					Div Gr	928.57%	2/21/00	# yrs ->	25	2000	$17.96	Cap Gain	621.88%								I am earning GC
I am earning Div					org yield	2.34%	10/31/26	Pension	Div G Yrly	9.12%	Div start	$0.42	-2.34%	24.05%							I am earning Div
I am earning GC					Div Gr	254.10%	5/1/09	# yrs ->	16	2009	$23.85	Cap Gain	443.61%								I am earning GC
I am earning Div					org yield	5.12%	10/31/26	RRSP	Div G Yrly	7.49%	Div start	$1.22	-5.12%	18.11%							I am earning Div
Yield if held 5 years	5.10%	7.20%	5.77%	5.51%	6.13%	5.98%	5.50%	5.83%	5.75%	5.35%	5.15%	5.69%	6.71%	5.81%	4.65%	5.09%		5.72%	<-Median->	10	Paid Median Price
Yield if held 10 years	8.97%	8.16%	7.57%	7.02%	6.69%	8.21%	11.30%	8.97%	8.06%	9.29%	8.80%	7.76%	7.88%	7.86%	6.49%	5.79%		8.13%	<-Median->	10	Paid Median Price
Yield if held 15 years	11.73%	11.97%	10.74%	10.79%	13.39%	14.46%	12.82%	11.77%	10.27%	10.14%	12.08%	15.95%	12.11%	11.01%	11.27%	9.90%		12.10%	<-Median->	10	Paid Median Price
Yield if held 20 years	30.49%	34.62%	37.74%	33.23%	25.41%	18.90%	18.80%	16.70%	15.78%	20.29%	21.27%	18.09%	15.89%	14.04%	12.30%	13.59%		18.85%	<-Median->	10	Paid Median Price
Yield if held 25 years	41.81%	35.97%	35.12%	35.35%	51.85%	49.12%	54.37%	58.69%	48.62%	38.49%	27.80%	26.54%	22.55%	21.58%	24.62%	23.93%		43.55%	<-Median->	10	Paid Median Price
Yield if held 30 years	81.95%	94.97%	76.19%	71.99%	66.99%	67.35%	56.50%	54.61%	51.72%	78.54%	72.27%	76.76%	79.26%	66.46%	46.70%	31.28%		69.67%	<-Median->	10	Paid Median Price
Yield if held 35 years				167.93%	181.20%	132.03%	149.16%	118.48%	105.31%	101.48%	99.10%	79.77%	73.75%	70.70%	95.31%	81.30%		111.89%	<-Median->	10	Paid Median Price
Yield if held 40 years									245.68%	274.51%	194.25%	210.58%	160.00%	143.97%	123.14%	111.48%		210.58%	<-Median->	5	Paid Median Price
														335.86%	333.11%	218.53%
Cost covered if held 5 years	21.43%	29.05%	23.67%	23.11%	26.02%	25.12%	22.85%	24.61%	25.70%	23.04%	22.20%	24.76%	30.08%	26.88%	22.32%	25.03%		24.69%	<-Median->	10	Paid Median Price
Cost covered if held 10 years	63.18%	55.72%	52.13%	48.88%	46.52%	55.91%	76.02%	61.51%	59.11%	66.03%	63.07%	56.63%	59.94%	62.10%	54.25%	50.68%		59.53%	<-Median->	10	Paid Median Price
Cost covered if held 15 years	100.71%	100.10%	90.90%	92.62%	115.89%	123.89%	108.98%	101.78%	94.75%	90.16%	108.01%	145.43%	115.83%	110.10%	120.21%	111.75%		108.49%	<-Median->	10	Paid Median Price
Cost covered if held 20 years	285.67%	316.65%	351.21%	315.69%	244.22%	180.05%	178.21%	161.34%	163.14%	203.25%	215.62%	187.69%	173.07%	159.73%	149.27%	174.83%		183.87%	<-Median->	10	Paid Median Price
Cost covered if held 25 years	415.94%	347.61%	343.99%	352.86%	523.33%	491.93%	542.62%	598.82%	532.92%	409.95%	299.95%	293.66%	262.50%	263.03%	321.56%	333.28%		450.94%	<-Median->	10	Paid Median Price
Cost covered if held 30 years	842.31%	949.48%	773.24%	744.93%	701.09%	698.77%	582.40%	574.36%	583.96%	861.56%	803.58%	876.58%	954.38%	840.62%	634.38%	453.72%		723.01%	<-Median->	10	Paid Median Price
Cost covered if held 35 years				1774.13%	1934.52%	1396.72%	1569.35%	1273.05%	1215.50%	1138.07%	1126.13%	929.42%	905.18%	911.29%	1319.58%	1203.29%		1244.27%	<-Median->	10	Paid Median Price
Cost covered if held 40 years									2877.19%	3122.87%	2238.80%	2490.40%	1994.52%	1885.52%	1732.91%	1677.55%		2490.40%	<-Median->	5	Paid Median Price
														4398.64%	4687.61%	3288.27%
																				Yr	Item	Tot. Growth
Revenue Growth								$43,646	$42,562	$49,032	$50,492	$57,223	$67,777	$70,034	<-12 mths	3.33%		55.29%	<-Total Growth	5	Revenue Growth	55.29%
AEPS Growth								$5.36	$7.91	$8.36	$7.99	$7.81	$8.37	$8.59	<-12 mths	2.63%		56.16%	<-Total Growth	5	AEPS Growth	56.16%
Net Income Growth								$11,628	$14,049	$17,170	$10,219	$8,316	$19,973	$20,996	<-12 mths	5.12%		71.77%	<-Total Growth	5	Net Income Growth	71.77%
Cash Flow Growth								$231,786	$50,129	$38,949	-$65,302	$54,937	-$69,646					-130.05%	<-Total Growth	5	Cash Flow Growth	-130.05%
Dividend Growth								$3.11	$3.16	$3.56	$3.84	$4.08	$4.20	$4.32	<-12 mths	2.86%		35.05%	<-Total Growth	5	Dividend Growth	35.05%
Stock Price Growth								$58.78	$89.84	$87.19	$77.46	$76.97	$115.16	$129.65	<-12 mths	12.58%		95.92%	<-Total Growth	5	Stock Price Growth	95.92%
Revenue Growth			$31,426	$34,315	$36,149	$38,834	$41,065	$43,646	$42,562	$49,032	$50,492	$57,223	$67,777	$63,883	<-this year	-5.75%		115.67%	<-Total Growth	10	Revenue Growth	115.67%
EPS Growth			$4.61	$4.87	$5.54	$6.47	$6.69	$5.36	$7.91	$8.36	$7.99	$7.81	$8.37	$9.07	<-this year	8.36%		81.56%	<-Total Growth	10	EPS Growth	81.56%
Net Income Growth			$7,813	$8,680	$10,010	$11,048	$11,416	$11,628	$14,049	$17,170	$10,219	$8,316	$19,973	$14,725	<-this year	-26.28%		155.64%	<-Total Growth	10	Net Income Growth	155.64%
Cash Flow Growth			$35,273	$44,125	$34,870	$5,693	$271	$231,786	$50,129	$38,949	-$65,302	$54,937	-$69,646					-297.45%	<-Total Growth	10	Cash Flow Growth	-297.45%
Dividend Growth			$2.00	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$4.20	$4.37	<-this year	4.12%		110.00%	<-Total Growth	10	Dividend Growth	110.00%
Stock Price Growth			$53.68	$60.86	$73.37	$73.03	$75.21	$58.78	$89.84	$87.19	$77.46	$76.97	$115.16	$129.65	<-this year	12.58%		114.53%	<-Total Growth	10	Stock Price Growth	114.53%
Dividends on Shares	$2,025.00	$2,300.00	$2,500.00	$2,700.00	$2,937.50	$3,262.50	$3,612.50	$3,887.50	$3,950.00	$4,450.00	$4,800.00	$5,100.00	$5,250.00	$5,400.00	$5,400.00	$5,400.00		$66,114.94	No of Years	50	Total Dividends	12/31/75
Paid	$62,568.75	$69,387.50	$67,800.00	$82,775.00	$92,062.50	$84,825.00	$91,037.50	$89,900.00	$121,225.00	$109,587.50	$107,025.00	$95,662.50	$161,700.00	$162,062.50	$162,062.50	$162,062.50		$161,700.00	No of Years	50	Worth	$0.80
Total																		$227,814.94
Dividends on Shares	$270.54	$307.28	$334.00	$360.72	$392.45	$435.87	$482.63	$519.37	$527.72	$594.52	$641.28	$681.36	$701.40	$721.44	$721.44	$721.44		$5,978.60	No of Years	30	Total Dividends	12/31/95
Paid	$8,359.19	$9,270.17	$9,058.08	$11,058.74	$12,299.55	$11,332.62	$12,162.61	$12,010.64	$16,195.66	$14,640.89	$14,298.54	$12,780.51	$21,603.12	$21,651.55	$21,651.55	$21,651.55		$21,603.12	No of Years	30	Worth	$6.00
Total																		$27,581.72
Dividends on Shares				$41.04	$44.65	$49.59	$54.91	$59.09	$60.04	$67.64	$72.96	$77.52	$79.80	$82.08	$82.08	$82.08		$607.24	No of Years	10	Total Dividends	12/31/15
Paid			$1,030.56	$1,258.18	$1,399.35	$1,289.34	$1,383.77	$1,366.48	$1,842.62	$1,665.73	$1,626.78	$1,454.07	$2,457.84	$2,463.35	$2,463.35	$2,463.35		$2,457.84	No of Years	10	Worth	$54.24
Total																		$3,065.08
Graham No. AEPS	$46.22	$52.26	$59.20	$63.41	$68.72	$76.74	$82.47	$77.50	$95.83	$104.51	$103.38	$102.32	$114.17	$118.85	$125.48	$126.65		92.85%	<-Total Growth	10	Graham Price AEPS
Price/GP Ratio Med	0.94	1.01	0.90	0.87	0.97	0.97	0.87	0.81	0.78	0.89	0.82	0.79	0.83	1.04				0.85	<-Median->	10	Price/GP Ratio
Price/GP Ratio High	1.03	1.11	0.97	0.96	1.07	1.04	0.94	0.98	0.94	1.03	0.90	0.85	1.01	1.11				0.97	<-Median->	10	Price/GP Ratio
Price/GP Ratio Low	0.85	0.90	0.83	0.77	0.87	0.91	0.80	0.64	0.62	0.75	0.74	0.72	0.65	0.96				0.74	<-Median->	10	Price/GP Ratio
Price/GP Ratio Close	1.03	1.06	0.91	0.96	1.07	0.95	0.91	0.76	0.94	0.83	0.75	0.75	1.01	1.09	1.03	1.02		0.92	<-Median->	10	Price/GP Ratio
Prem/Disc Close	3.45%	6.14%	-9.33%	-4.02%	6.76%	-4.84%	-8.81%	-24.16%	-6.25%	-16.57%	-25.08%	-24.77%	0.87%	9.08%	3.32%	1.59%		-7.53%	<-Median->	10	Graham Price
Graham No. EPS	$44.61	$51.46	$56.57	$62.09	$68.47	$73.96	$79.71	$84.88	$94.68	$111.23	$86.55	$79.54	$134.17	$117.84	$125.04	$126.65		137.17%	<-Total Growth	10	Graham Price EPS
Price/GP Ratio Med	0.98	1.02	0.94	0.88	0.97	1.01	0.90	0.74	0.79	0.84	0.98	1.01	0.71	1.04				0.89	<-Median->	10	Price/GP Ratio
Price/GP Ratio High	1.07	1.13	1.02	0.98	1.07	1.08	0.98	0.90	0.95	0.97	1.08	1.09	0.86	1.12				0.98	<-Median->	10	Price/GP Ratio
Price/GP Ratio Low	0.88	0.92	0.87	0.79	0.87	0.94	0.82	0.58	0.62	0.70	0.88	0.93	0.55	0.97				0.81	<-Median->	10	Price/GP Ratio
Price/GP Ratio Close	1.07	1.08	0.95	0.98	1.07	0.99	0.94	0.69	0.95	0.78	0.89	0.97	0.86	1.10	1.04	1.02		0.95	<-Median->	10	Price/GP Ratio
Prem/Disc Close	7.20%	7.80%	-5.12%	-1.99%	7.15%	-1.26%	-5.65%	-30.75%	-5.11%	-21.62%	-10.50%	-3.23%	-14.17%	10.02%	3.68%	1.59%		-5.38%	<-Median->	10	Graham Price
Month, Year	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	Dec-28		50.00	<Count Years>		Month, Year
Pre-split 1989
Pre-split 1999
Pre-split 2014	$100.11
Price Close	$50.06	$55.51	$54.24	$66.22	$73.65	$67.86	$72.83	$71.92	$96.98	$87.67	$85.62	$76.53	$129.36	$129.65	$129.65	$129.65		138.50%	<-Total Growth	10	Stock Price
Increase	19.53%	10.90%	-2.29%	22.09%	11.22%	-7.86%	7.32%	-1.25%	34.84%	-9.60%	-2.34%	-10.62%	69.03%	0.22%	0.00%	0.00%		13.54	<-Median->	10	CAPE (10 Yr P/E)
P/E	14.49	13.41	12.88	14.18	13.39	11.29	11.65	11.19	12.56	9.26	15.29	16.21	11.19	14.54	12.91	12.59		12.46%	<-IRR #YR->	5	Stock Price	79.87%
Trailing P/E	14.81	16.07	13.10	15.73	15.77	12.34	12.12	11.51	15.08	11.36	9.04	13.67	27.41	11.22	14.54	12.91		9.08%	<-IRR #YR->	10	Stock Price	138.50%
CAPE (10 Yr P/E)	13.64	13.54	13.15	13.52	13.56	13.50	12.85	12.54	18.73	15.15	14.27	12.63	19.04	17.96	16.90	16.00		16.60%	<-IRR #YR->	5	Price & Dividend	110.39%
Median 10, 5 Yrs		D.  per yr	3.91%	4.15%	% Tot Ret	30.10%	24.97%	T P/E	13.00	13.67	P/E:	12.11	12.56					12.99%	<-IRR #YR->	10	Price & Dividend	201.11%
Price  15		D.  per yr	3.77%		% Tot Ret	30.31%						CAPE Diff	7.39%					8.68%	<-IRR #YR->	15	Stock Price	248.44%
Price  20		D.  per yr	3.34%		% Tot Ret	30.89%												7.48%	<-IRR #YR->	20	Stock Price	323.23%
Price  25		D.  per yr	3.10%		% Tot Ret	29.55%												7.40%	<-IRR #YR->	25	Stock Price	495.44%
Price  30		D.  per yr	4.77%		% Tot Ret	30.66%												10.78%	<-IRR #YR->	30	Stock Price	2056.00%
Price  35		D.  per yr	4.29%		% Tot Ret	29.38%												10.32%	<-IRR #YR->	35	Stock Price	3009.62%
Price  40		D.  per yr	3.77%		% Tot Ret	28.01%												9.70%	<-IRR #YR->	40	Stock Price	3955.17%
Price  45		D.  per yr	4.66%		% Tot Ret	30.61%												10.56%	<-IRR #YR->	45	Stock Price	9074.47%
Price  50		D.  per yr	4.67%		% Tot Ret	30.37%												10.71%	<-IRR #YR->	50	Stock Price
Price & Dividend 15																		12.45%	<-IRR #YR->	15	Price & Dividend	359.93%
Price & Dividend 20																		10.82%	<-IRR #YR->	20	Price & Dividend	475.45%
Price & Dividend 25																		10.50%	<-IRR #YR->	25	Price & Dividend	722.60%
Price & Dividend 30																		15.54%	<-IRR #YR->	30	Price & Dividend	2902.50%
Price & Dividend 35																		14.61%	<-IRR #YR->	35	Price & Dividend	5159.13%
Price & Dividend 40																		13.47%	<-IRR #YR->	40	Price & Dividend	6971.59%
Price & Dividend 45																		15.22%	<-IRR #YR->	45	Price & Dividend	12815.28%
Price & Dividend 50																		15.38%	<-IRR #YR->	50	Price & Dividend
Price  5								-$71.92	$0.00	$0.00	$0.00	$0.00	$129.36								Price  5
Price 10			-$54.24	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$129.36								Price 10
Price & Dividend 5								-$71.92	$3.16	$3.56	$3.84	$4.08	$133.56								Price & Dividend 5
Price & Dividend 10			-$54.24	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$133.56								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	$129.36								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	$129.36								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	$129.36								Price  25
Price  30	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$129.36								Price  30
Price  35	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$129.36								Price  35
Price  40	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$129.36								Price  40
Price  45	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$129.36								Price  45
Price  50	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$129.36								Price  50
Price & Dividend 15	$1.62	$1.84	$2.00	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$133.56								Price & Dividend 15
Price & Dividend 20	$1.62	$1.84	$2.00	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$133.56								Price & Dividend 20
Price & Dividend 25	$1.62	$1.84	$2.00	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$133.56								Price & Dividend 25
Price & Dividend 30	$1.62	$1.84	$2.00	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$133.56								Price & Dividend 30
Price & Dividend 35	$1.62	$1.84	$2.00	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$133.56								Price & Dividend 35
Price & Dividend 40	$1.62	$1.84	$2.00	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$133.56								Price & Dividend 40
Price & Dividend 45	$1.62	$1.84	$2.00	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$133.56								Price & Dividend 45
Price & Dividend 50	$1.62	$1.84	$2.00	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$133.56								Price & Dividend 50
Month, Year	Oct-13	Oct-14	Oct-15	Oct-16	Oct-17	Oct-18	Oct-19	Oct-20	Oct-21	Oct-22	Oct-23	Oct-24	Oct-25	Oct-26	Oct-27	Oct-28		44.00	<Count Years>		Month, Year
Pre-split 1989
Pre-split 1999
Pre-split 2014	$95.64	$95.64
Price Close	$47.82	$55.47	$53.68	$60.86	$73.37	$73.03	$75.21	$58.78	$89.84	$87.19	$77.46	$76.97	$115.16	$129.65	$129.65	$128.67		114.53%	<-Total Growth	10	Stock Price
Increase	17.74%	16.00%	-3.23%	13.38%	20.56%	-0.46%	2.99%	-21.85%	52.84%	-2.95%	-11.16%	-0.63%	49.62%	12.58%	0.00%	-0.76%		7.93%	<-IRR #YR->	10	Stock Price	114.53%
P/E	13.84	13.40	12.75	13.03	13.34	12.15	12.03	9.14	11.64	9.21	13.83	16.31	9.96	14.54	12.91	12.49		14.40%	<-IRR #YR->	5	Stock Price	95.92%
Trailing P/E	14.15	16.05	12.97	14.46	15.71	13.28	12.51	9.40	13.97	11.29	8.18	13.74	24.40	11.22	14.54	12.82		12.06%	<-IRR #YR->	10	Price & Dividend	177.79%
Median 10, 5 Yrs		D.  per yr	4.13%	4.92%	% Tot Ret	34.23%	25.47%	T P/E	13.51	13.74	P/E:	12.09	11.64					19.32%	<-IRR #YR->	5	Price & Dividend	133.26%
			-$53.68	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$115.16
								-$58.78	$0.00	$0.00	$0.00	$0.00	$115.16
			-$53.68	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$119.36
								-$58.78	$3.16	$3.56	$3.84	$4.08	$119.36
Price Median H/L	$43.64	$52.55	$53.32	$54.94	$66.53	$74.59	$71.68	$62.63	$74.40	$92.99	$84.86	$80.39	$94.66	$123.06	-0.76%			77.52%	<-Total Growth	10	Stock Price
Increase	13.88%	20.43%	1.47%	3.04%	21.09%	12.12%	-3.91%	-12.62%	18.78%	24.99%	-8.74%	-5.27%	17.75%	30.01%	3.33%			5.91%	<-IRR #YR->	10	Stock Price	77.52%
P/E	12.63	12.69	12.67	11.76	12.10	12.41	11.47	9.74	9.64	9.82	15.15	17.03	8.19	13.80	2.58%			8.61%	<-IRR #YR->	5	Stock Price	51.13%
Trailing P/E	12.91	15.21	12.88	13.05	14.25	13.56	11.93	10.02	11.57	12.05	8.96	14.35	20.05	10.65				10.41%	<-IRR #YR->	10	Price & Dividend	141.21%
P/E on Run. 5 yr Ave	15.80	15.71	14.50	13.84	15.14	15.20	13.45	10.85	11.66	12.96	11.96	11.84	12.11	15.28				13.69%	<-IRR #YR->	5	Price & Dividend	86.18%
P/E on Run. 10 yr Ave	17.15	18.84	17.48	17.17	19.14	19.45	16.53	13.26	14.37	16.07	14.14	13.27	13.93	17.05				11.76	P/E Ratio		Historical Median
Median 10, 5 Yrs		D.  per yr	4.50%	5.08%	% Tot Ret	43.26%	37.11%	T P/E	12.55	12.05	P/E:	11.62	9.82						Count	44	Years of data
			-$53.32	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$94.66
								-$62.63	$0.00	$0.00	$0.00	$0.00	$94.66
			-$53.32	$2.16	$2.35	$2.61	$2.89	$3.11	$3.16	$3.56	$3.84	$4.08	$98.86
								-$62.63	$3.16	$3.56	$3.84	$4.08	$98.86
High Months	Oct 13	Aug 14	Nov 14	Oct 16	Oct 17	Sep 17	Jun 19	Feb 20	Oct 21	Feb 22	Feb 23	Jan 24	Oct 25	26-Jan
Pre-split 1989
Pre-split 1999
Pre-split 2014	$95.64	$95.64
Price High	$47.82	$57.90	$57.62	$60.86	$73.34	$79.68	$77.74	$75.98	$89.77	$107.81	$93.56	$86.89	$115.29	$132.27				100.09%	<-Total Growth	10	Stock Price
Increase	12.40%	21.08%	-0.48%	5.62%	20.51%	8.64%	-2.43%	-2.26%	18.15%	20.10%	-13.22%	-7.13%	32.69%	14.73%				7.18%	<-IRR #YR->	11	Stock Price	100.09%
P/E	13.84	13.99	13.69	13.03	13.33	13.26	12.44	11.82	11.63	11.38	16.71	18.41	9.97	14.84				8.70%	<-IRR #YR->	5	Stock Price	51.74%
Trailing P/E	14.15	16.76	13.92	14.46	15.70	14.49	12.94	12.16	13.96	13.97	9.88	15.52	24.43	11.44				13.03	P/E Ratio		Historical Median
Median 10, 5 Yrs								T P/E	14.21	13.97	P/E:	12.74	11.63					17.72	P/E Ratio		Historical High
			-$57.62	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$115.29
								-$75.98	$0.00	$0.00	$0.00	$0.00	$115.29
Low Months	Nov 12	Dec 13	Aug 15	Feb 16	Nov 16	Apr 17	Dec 18	Mar 20	Nov 20	Jul 22	Oct 23	Jun 24	Dec 24	Nov 25
Pre-split 1989
Pre-split 1999
Pre-split 2014	$78.90	$78.90	$78.90	$78.90
Price Low	$39.45	$47.20	$49.02	$49.02	$59.71	$69.50	$65.61	$49.28	$59.02	$78.17	$76.16	$73.88	$74.02	$113.85				51.00%	<-Total Growth	10	Stock Price
Increase	15.72%	19.65%	3.86%	0.00%	21.81%	16.40%	-5.60%	-24.89%	19.76%	32.45%	-2.57%	-2.99%	0.19%	53.81%				4.21%	<-IRR #YR->	10	Stock Price	51.00%
P/E	11.42	11.40	11.64	10.50	10.86	11.56	10.50	7.66	7.65	8.25	13.60	15.65	6.40	12.77				8.48%	<-IRR #YR->	5	Stock Price	50.20%
Trailing P/E	11.67	13.66	11.84	11.64	12.79	12.64	10.92	7.88	9.18	10.13	8.04	13.19	15.68	9.85				10.50	P/E Ratio		Historical Median
Median 10, 5 Yrs								T P/E	11.28	10.13	P/E:	10.50	8.25					6.46	P/E Ratio		Historical Low
			-$49.02	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$74.02
								-$49.28	$0.00	$0.00	$0.00	$0.00	$74.02
Free Cash Flow MS Old 2024			$34,335	$36,604	$25,693	$5,106	-$523	$230,079	$49,000	$37,500	-$67,150										Free Cash Flow MS Old 2024
Change				6.61%	-29.81%	-80.13%	-110.24%	44092.16%	-78.70%	-23.47%	-279.07%										Change
Free Cash Flow MS	$26,533	$25,085	$10,700	$13,570	$15,250	$17,330	$16,760	$16,940	$14,470	$17,260	$11,710	$10,520						-100.00%	<-Total Growth	9	Free Cash Flow
Change	116.56%	-5.46%	-57.35%	26.82%	12.38%	13.64%	-3.29%	1.07%	-14.58%	19.28%	-32.16%	-10.16%						#NUM!	<-IRR #YR->	5	Free Cash Flow MS	-100.00%
FCF/CF from Op Ratio	14.44	13.64	5.79	7.32	8.24	9.44	9.19	9.37	7.97	9.53	6.43	5.98						#NUM!	<-IRR #YR->	10	Free Cash Flow MS	-100.00%
Dividends paid	$2,647	$3,188	$3,444	$3,808	$4,211	$4,634	$5,157	$5,043	$5,555	$6,665	$5,825	$7,160	$7,663					122.50%	<-Total Growth	10	Dividends paid
Percentage paid				28.06%	27.61%	26.74%	30.77%	29.77%	38.39%	38.62%	49.74%	68.06%	#DIV/0!					#DIV/0!	<-Median->	9	Percentage paid
5 Year Coverage								28.62%	30.46%	32.69%	36.62%	42.66%	60.91%								5 Year Coverage
Dividend Coverage Ratio				3.56	3.62	3.74	3.25	3.36	2.60	2.59	2.01	1.47	0.00					2.93	<-Median->	10	Dividend Coverage Ratio
5 Year of Coverage								3.49	3.28	3.06	2.73	2.34	1.64								5 Year of Coverage
								-$16,940	$0	$0	$0	$0	$0
			-$10,700	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Free Cash Flow WSJ			-$13,785	$9,894	$21,295	$9,564	$117,643	-$28,453	$100,878	$46,291	$36,480	$22,731	-$4,158					69.84%	<-Total Growth	10	Free Cash Flow	WSJ
Change				171.77%	115.23%	-55.09%	1130.06%	-124.19%	454.54%	-54.11%	-21.19%	-37.69%	-118.29%					-31.93%	<-IRR #YR->	5	Free Cash Flow MS	85.39%
FCF/CF from Op Ratio			-0.39	0.22	0.61	1.68	434.11	-0.12	2.01	1.19	-0.56	0.41	0.06					-11.30%	<-IRR #YR->	10	Free Cash Flow MS	-142.03%
Dividends paid			$3,444	$3,808	$4,211	$4,634	$5,157	$5,043	$5,555	$6,665	$5,825	$7,160	$7,663					122.50%	<-Total Growth	10	Dividends paid
Percentage paid			-24.98%	38.49%	19.77%	48.45%	4.38%	-17.72%	5.51%	14.40%	15.97%	31.50%	-184.30%					$0.15	<-Median->	10	Percentage paid
5 Year Coverage							14.70%	17.59%	11.13%	11.00%	10.35%	17.00%	16.25%								5 Year Covrage
Dividend Coverage Ratio			-4.00	2.60	5.06	2.06	22.81	-5.64	18.16	6.95	6.26	3.17	-0.54					4.12	<-Median->	10	Dividend Coverage Ratio
5 Year of Coverage						1.68	6.80	5.69	8.98	9.09	9.66	5.88	6.15								5 Year of Caogerage
								$28,453	$0	$0	$0	$0	-$4,158
			$13,785	$0	$0	$0	$0	$0	$0	$0	$0	$0	-$4,158
Market Cap	$87,931	$102,409	$99,641	$113,054	$135,184	$133,674	$136,318	$106,750	$163,859	$158,834	$138,762	$134,721	$194,562	$219,043	$219,043	$217,387		95.26%	<-Total Growth	10	Market Cap
Pre-split 2014	922.5
Diluted # of Shares in Million	1,845.0	1,845.3	1,854.1	1,856.8	1,854.8	1,839.5	1,827.3	1,808.8	1,820.2	1,813.6	1,824.4	1,760.0	1,728.0	1,728.0				-6.80%	<-Total Growth	10	Diluted
Change	0.83%	0.02%	0.48%	0.15%	-0.11%	-0.82%	-0.66%	-1.01%	0.63%	-0.36%	0.60%	-3.53%	-1.82%	0.00%				-0.51%	<-Median->	10	Change
Difference Diluted/Basic	-0.4%	-0.3%	-0.3%	-0.2%	-0.2%	-0.2%	-0.2%	-0.1%	-0.3%	-0.2%	-0.1%	-0.1%	-0.1%	-0.1%				-0.17%	<-Median->	10	Difference Diluted/Basic
Pre-split 2014	918.9
Average # of Shares in Million	1,837.8	1,839.1	1,849.2	1,853.4	1,850.6	1,835.4	1,824.2	1,807.3	1,814.7	1,810.5	1,822.5	1,758.8	1,726.3	1,726.3				-6.65%	<-Total Growth	10	Average
Change	1.36%	0.07%	0.55%	0.23%	-0.15%	-0.82%	-0.61%	-0.93%	0.41%	-0.23%	0.66%	-3.50%	-1.85%	0.00%				-0.42%	<-Median->	10	Change
Difference	0.1%	0.4%	0.4%	0.2%	-0.4%	-0.3%	-0.6%	0.5%	0.5%	0.6%	-1.7%	-0.5%	-2.1%	-2.1%				-0.36%	<-Median->	10	Difference
																						Equity
Pre-split 1989
Pre-split 1999
Pre-split 2014	919.4
# of Share in Millions	1,838.8	1,846.2	1,856.2	1,857.6	1,842.5	1,830.4	1,812.5	1,816.1	1,823.9	1,821.7	1,791.4	1,750.3	1,689.5	1,689.5	1,689.5	1,689.5		-0.94%	<-IRR #YR->	10	Shares	-8.98%
Change	0.13%	0.40%	0.54%	0.08%	-0.81%	-0.66%	-0.98%	0.20%	0.43%	-0.12%	-1.66%	-2.29%	-3.47%	0.00%	0.00%	0.00%		-1.43%	<-IRR #YR->	5	Shares	-6.97%
Cash Flow from Operations $M	$31,695	$25,967	$35,273	$44,125	$34,870	$5,693	$271	$231,786	$50,129	$38,949	-$65,302	$54,937	-$69,646	-$69,646	<-12 mths			-297.45%	<-Total Growth	10	Cash Flow
Increase	125.65%	-18.07%	35.84%	25.10%	-20.97%	-83.67%	-95.24%	85429.89%	-78.37%	-22.30%	-267.66%	184.13%	-226.77%	-226.77%	<-12 mths			SO, DRIP	Buy Backs		S. Issues
5 year Running Average	$14,575	$14,840	$21,244	$30,221	$34,386	$29,186	$24,046	$63,349	$64,550	$65,366	$51,167	$62,100	$1,813	$1,813	<-12 mths			-91.46%	<-Total Growth	10	CF 5 Yr Running
CFPS	$17.24	$14.07	$19.00	$23.75	$18.93	$3.11	$0.15	$127.63	$27.48	$21.38	-$36.45	$31.39	-$41.22	-$41.22	<-12 mths			-316.93%	<-Total Growth	10	Cash Flow per Share
Increase	125.36%	-18.40%	35.11%	25.00%	-20.33%	-83.57%	-95.19%	85260.35%	-78.47%	-22.21%	-270.50%	186.10%	-231.34%	-231.34%	<-12 mths			#NUM!	<-IRR #YR->	10	Cash Flow	-297.45%
5 year Running Average	$8.13	$8.08	$11.51	$16.34	$18.60	$15.77	$12.99	$34.71	$35.46	$35.95	$28.04	$34.29	$0.52	$0.52	<-12 mths			#NUM!	<-IRR #YR->	5	Cash Flow	-130.05%
P/CF on Med Price	2.53	3.74	2.81	2.31	3.52	23.98	479.38	0.49	2.71	4.35	-2.33	2.56	-2.30	-2.30	<-12 mths			#NUM!	<-IRR #YR->	10	Cash Flow per Share	-316.93%
P/CF on Closing Price	2.77	3.94	2.82	2.56	3.88	23.48	503.02	0.46	3.27	4.08	-2.12	2.45	-2.79	-2.79	<-12 mths			#NUM!	<-IRR #YR->	5	Cash Flow per Share	-132.30%
															-206.06%	Diff M/C		-26.70%	<-IRR #YR->	10	CFPS 5 yr Running	-95.52%
Excl.Working Capital CF	-$23,485	-$15,721	-$25,205	-$32,039	-$12,306	$9,856	$14,330	-$220,287	-$34,292	-$20,243	$75,875	-$45,832	$91,281	$91,281	<-12 mths			-56.92%	<-IRR #YR->	5	CFPS 5 yr Running	-98.52%
CF fr Op $M WC	$8,210	$10,246	$10,068	$12,086	$22,564	$15,549	$14,601	$11,499	$15,837	$18,706	$10,573	$9,105	$21,635	$21,635	<-12 mths			114.89%	<-Total Growth	10	Cash Flow less WC
Increase	3.22%	24.80%	-1.74%	20.04%	86.70%	-31.09%	-6.10%	-21.25%	37.73%	18.12%	-43.48%	-13.88%	137.62%	137.62%	<-12 mths			7.95%	<-IRR #YR->	10	Cash Flow less WC	114.89%
5 year Running Average	$6,488	$7,691	$8,603	$9,713	$12,635	$14,103	$14,974	$15,260	$16,010	$15,238	$14,243	$13,144	$15,171	$15,171	<-12 mths			13.47%	<-IRR #YR->	5	Cash Flow less WC	88.15%
CFPS Excl. WC	$4.46	$5.55	$5.42	$6.51	$12.25	$8.49	$8.06	$6.33	$8.68	$10.27	$5.90	$5.20	$12.81	$12.81	<-12 mths			5.84%	<-IRR #YR->	10	CF less WC 5 Yr Run	76.34%
Increase	3.08%	24.30%	-2.27%	19.95%	88.23%	-30.63%	-5.17%	-21.40%	37.14%	18.26%	-42.52%	-11.86%	146.17%	146.17%	<-12 mths			-0.12%	<-IRR #YR->	5	CF less WC 5 Yr Run	-0.58%
5 year Running Average	$3.60	$4.22	$4.68	$5.26	$6.84	$7.64	$8.15	$8.33	$8.76	$8.37	$7.85	$7.28	$8.57	$8.57	<-12 mths			8.97%	<-IRR #YR->	10	CFPS - Less WC	136.09%
P/CF on Med Price	9.77	9.47	9.83	8.44	5.43	8.78	8.90	9.89	8.57	9.06	14.38	15.45	7.39	7.39	<-12 mths			15.13%	<-IRR #YR->	5	CFPS - Less WC	102.25%
P/CF on Closing Price	10.71	9.99	9.90	9.35	5.99	8.60	9.34	9.28	10.35	8.49	13.12	14.80	8.99	8.99	<-12 mths			6.24%	<-IRR #YR->	10	CFPS 5 yr Running	83.23%
*Operational Cash Flow per share			CF/CF-WC	P/CF Med	10 yr	2.63	5 yr	2.56	P/CF Med	10 yr	8.84	5 yr	9.06		1.74%	Diff M/C		0.58%	<-IRR #YR->	5	CFPS 5 yr Running	2.95%
For Working capital I used total of
			-1,856.2	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1,689.5								Shares
								-1,816.1	0.0	0.0	0.0	0.0	1,689.5								Shares
			-$35,273	$0	$0	$0	$0	$0	$0	$0	$0	$0	-$69,646								Cash Flow
								-$231,786	$0	$0	$0	$0	-$69,646								Cash Flow
			-$19.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	-$41.22								Cash Flow per Share
								-$127.63	$0.00	$0.00	$0.00	$0.00	-$41.22								Cash Flow per Share
			-$11.51	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.52								CFPS 5 yr Running
								-$34.71	$0.00	$0.00	$0.00	$0.00	$0.52								CFPS 5 yr Running
			-$10,068	$0	$0	$0	$0	$0	$0	$0	$0	$0	$21,635								Cash Flow less WC
								-$11,499	$0	$0	$0	$0	$21,635								Cash Flow less WC
			-$8,603	$0	$0	$0	$0	$0	$0	$0	$0	$0	$15,171								CF less WC 5 Yr Run
								-$15,260	$0	$0	$0	$0	$15,171								CF less WC 5 Yr Run
			-$5.42	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$12.81								CFPS - Less WC
								-$6.33	$0.00	$0.00	$0.00	$0.00	$12.81								CFPS - Less WC
			-$4.68	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$8.57								CFPS 5 yr Running
								-$8.33	$0.00	$0.00	$0.00	$0.00	$8.57								CFPS 5 yr Running
Changes in operating assets and liabilities
Interest receivable and payable	-$425	-$204	-$294	$7	-$283	-$104		-$108	-$288	-$412	$812	$1,133	-$1,072
Secuirities Purchased (sold) revers repurchase agreements					$39,616	$4,758		-$3,227	-$44,779	-$16,073	$36,832	$35,046	$19,250
Securities sold short under repurchase agreements					-$48,377	$7,050		$63,020	$1,878	$7,117	-$41,873	-$3,884	-$38,861
Securities sold short	$8,394	-$2,364	-$662	-$5,688	$2,367	$3,996		$5,343	$7,030	$3,121	-$2,722	-$5,146	$4,280
Trading loans and securities	-$7,397	$767	$6,016	-$4,100	-$4,661	-$24,065		-$2,318	$1,177	$3,864	-$5,332	-$23,680	-$44,366
Loans net of securitization and sales	-$33,820	-$33,717	-$63,947	-$44,351	-$22,332	-$45,620		-$39,614	-$3,660	-$109,463	-$67,766	-$57,908	-$8,024
Deposits	$64,541	$72,059	$108,446	$81,885	$40,150	$53,379		$240,648	-$6,494	$105,759	-$25,487	$69,922	$5,894
Derivatives	-$4,068	-$4,597	-$7,633	$5,403	$1,836	-$3,745		-$2,196	$3,734	-$15,435	-$2,341	$6,049	$6,077
Non-trading financial assets						$5,257		-$2,045	-$842	-$1,556	$3,897	$1,471	-$1,526
Financial assets and liabilities designated at fair value through profit or loss	-$364	$1,783	$371	$96	$245	-$468		-$46,165	$54,498	$48,323	$28,565	$15,185	-$10,848
Securitization liabilities	-$3,962	-$11,394	-$2,429	-$3,321	-$1,575	-$1,532		$2,342	-$719	-$1,083	-$552	$5,552	$7,440
Curremt Taxes						-$780		$280	$239	-$4,100	$1,228	$658	$441
Broker, dealers and clients amts rec & pay						-$1,435		-$1,979	-$4,592	$8,799	-$5,128	$4,027	-$4,394
Other	$128	-$7,996	-$16,267	-$168	$3,436	-$8,956		-$869	$27,348	-$8,628	$1,011	-$6,182	-$22,870
Income taxes paid/payable	-$869
Provision for credit losses	$1,631	$1,557	$1,683	$2,330	$2,216	$2,480		$7,242	-$224	$1,067	$2,933	$4,253	$4,506
Net securities losses (gains)	-$304	-$173	-$79	-$54	-$128	-$111		-$40	-$14	-$60	$48	-$1,022	-$9,159
Equity in net income of an invest Ameritrade										-$997
Dilution Gains					-$204	$0						$358	$1,951
Sum	$23,485	$15,721	$25,205	$32,039	$12,306	-$9,896	$0	$220,314	$34,292	$20,243	-$75,875	$45,832	-$91,281
Google --> TD			$25,205	$32,039	$21,067	-$9,856	-$14,330	$220,287	$34,292	$20,243	-$75,875	$45,832	-$91,281
Difference			$0	$0	-$8,761	-$40	$14,330	$27	$0	$0	$0	$0	$0
Google --> TD		$15,676	$25,205	$32,039	$12,324
Difference		$45	$0	$0	-$18
OPM	23.37%	25.48%	24.86%	25.30%	27.69%	28.45%	27.80%	26.64%	33.01%	35.02%	20.24%	14.53%	29.47%	23.05%				16.50%	<-Total Growth	10	OPM
Increase	-12.42%	9.00%	-2.41%	1.74%	9.47%	2.74%	-2.28%	-4.17%	23.90%	6.09%	-42.20%	-28.19%	102.78%	-21.78%				should be zero, it is a check on calculations
Diff from Ave.	-15.8%	-8.2%	-10.4%	-8.8%	-0.2%	2.5%	0.2%	-4.0%	19.0%	26.2%	-27.1%	-47.6%	6.2%	-16.9%				0.00	<-Median->	10	OPM
*Operational Profit Margin (Net Income/Revenue) Ratio for banks									OPM	10 Yrs	27.75%	5 Yrs	29.47%					Should increase or be stable.
													$26,481	<-12 mths	-4.20%
EBIT								$18,160	$17,229	$24,673	$24,409	$27,641	$23,166	$23,979	$25,328	$24,014					EBIT	From MktSc
Change									-5.13%	43.21%	-1.07%	13.24%	-16.19%	3.51%	5.63%	-5.19%					Change
Margin								41.61%	40.48%	50.32%	48.34%	48.30%	34.18%	37.54%	38.30%	35.13%					Margin
Covering Assets	$685,254	$706,226	$805,530	$872,882	$616,685	$973,068	$1,328,027	$1,604,090	$1,785,668	$1,316,460	$1,330,647	$1,494,024	$1,513,799	$1,513,799				87.93%	<-Total Growth	10	Covering Assets	Type
Change	2.02%	3.06%	14.06%	8.36%	-29.35%	57.79%	36.48%	20.79%	11.32%	-26.28%	1.08%	12.28%	1.32%	0.00%				0.10	<-Median->	10	Change	Lg Term R A
Debt/Covering Assets Ratio	0.79	0.85	0.86	0.89	1.35	0.88	0.67	0.71	0.63	0.93	0.90	0.85	0.84	0.84				0.86	<-Median->	10	Debt/Covering Assets Ratio	Lg Term R
Long Term Debt	$541,605	$600,176	$695,576	$773,660	$832,824	$851,439	$886,977	$1,135,333	$1,125,125	$1,229,970	$1,198,190	$1,268,680	$1,267,104	$1,267,104				82.17%	<-Total Growth	10	Deposits Long Term Debt	Intang/GW
Change	11.04%	10.81%	15.90%	11.23%	7.65%	2.24%	4.17%	28.00%	-0.90%	9.32%	-2.58%	5.88%	-0.12%	0.00%				5.03%	<-Median->	10	Change	Liquidity
Debt/Market Cap Ratio	6.16	5.86	6.98	6.84	6.16	6.37	6.51	10.64	6.87	7.74	8.63	9.42	6.51	5.78				6.85	<-Median->	10	Debt/Market Cap Ratio	Liq. + CF
Assets/Current Liabilities Ratio	47.81	46.13	29.94	31.34	29.07	34.49	40.42	31.28	34.70	43.56	34.73	40.72	38.39	38.39				34.71	<-Median->	10	Assets/Current Liab Ratio	Debt Ratio
Current Liabilities/Asset Ratio	0.02	0.02	0.03	0.03	0.03	0.03	0.02	0.03	0.03	0.02	0.03	0.02	0.03	0.03				0.03	<-Median->	10	Current Liab/Asset Ratio	Leverage Bk
Debt to Cash Flow (Years)	17.09	23.11	19.72	17.53	23.88	149.56	3272.98	4.90	22.44	31.58	0.00	23.09	0.00	0.00				22.77	<-Median->	10	Debt to Cash Flow (Years)	Leverage
																						D/E Ratio
Intangibles	$2,493	$2,680	$2,671	$2,639	$2,618	$2,459	$2,503	$2,125	$2,123	$2,303	$2,771	$3,044	$3,409	$3,409				27.63%	<-Total Growth	10	Intangibles
Goodwill	$13,297	$14,233	$16,337	$16,662	$16,156	$16,536	$16,976	$17,148	$16,232	$17,656	$18,602	$18,851	$18,980	$18,980				16.18%	<-Total Growth	10	Goodwill
Total	$15,790	$16,913	$19,008	$19,301	$18,774	$18,995	$19,479	$19,273	$18,355	$19,959	$21,373	$21,895	$22,389	$22,389				17.79%	<-Total Growth	10	Total
Change	28.26%	7.11%	12.39%	1.54%	-2.73%	1.18%	2.55%	-1.06%	-4.76%	8.74%	7.08%	2.44%	2.26%	0.00%				1.90%	<-Median->	10	Change
Intangible/Market Cap Ratio	0.18	0.17	0.19	0.17	0.14	0.14	0.14	0.18	0.11	0.13	0.15	0.16	0.12	0.10				0.14	<-Median->	10	Intangible/Market Cap Ratio
Current Assets	$32,436	$46,554	$45,637	$57,621	$68,420	$51,051	$47,533	$189,450	$183,072	$171,152	$134,574	$204,548	$144,917	$144,917				Liquidity ratio of 1.5 and up, best
Current Liabilities	$18,039	$20,482	$36,887	$37,553	$43,999	$38,699	$35,017	$54,850	$49,823	$44,021	$56,351	$50,629	$54,559	$54,559				2.52	<-Median->	10	Ratio
Liquidity Ratio	1.80	2.27	1.24	1.53	1.56	1.32	1.36	3.45	3.67	3.89	2.39	4.04	2.66	2.66				3.67	<-Median->	5	Ratio
Liq. with CF aft div	3.39	3.37	2.09	2.60	2.25	1.34	1.22	7.58	4.56	4.63	2.13	4.98	2.35	2.34				4.56	<-Median->	5	Ratio
Liq. CF re  Inv+Div	1.60	1.28	0.92	1.56	0.89	1.34	1.22	1.49	2.39	2.68	2.13	2.63	2.35	2.34				2.39	<-Median->	5	Ratio
																		Banks usually have a ratio of 1.04 or 1.05
Assets	$862,532	$944,742	$1,104,373	$1,176,967	$1,278,995	$1,334,903	$1,415,290	$1,715,865	$1,728,672	$1,917,528	$1,957,024	$2,061,751	$2,094,558	$2,094,558				Debt Ratio of 1.5 and up, best
Liabilities	$810,559	$888,511	$1,037,345	$1,102,753	$1,203,805	$1,254,863	$1,327,589	$1,620,366	$1,628,854	$1,806,145	$1,844,917	$1,946,591	$1,966,731	$1,966,731				1.06	<-Median->	10	Ratio
Debt Ratio	1.06	1.06	1.06	1.07	1.06	1.06	1.07	1.06	1.06	1.06	1.06	1.06	1.06	1.06				1.06	<-Median->	5	Ratio
Estimates BVPS														$71.35	$75.41	$72.49			Estimates		Estimates BVPS
Estimate Book Value														$120,546	$127,405	$122,472			Estimates		Estimate Book Value
P/B Ratio (Close)														1.82	1.72	1.78			Estimates		P/B Ratio (Close)
Difference from 10 year median															23.66%	Diff M/C			Estimates		Difference from 10 yr med.
Total Book Value	$51,973	$56,231	$67,028	$74,214	$75,190	$80,040	$87,701	$95,499	$99,818	$111,383	$112,107	$115,160	$127,827	$127,827				90.71%	<-Total Growth	10	Book Value
NCI	$1,508	$1,549	$1,610	$1,650	$983	$993	$0	$0	$0	$0	$0	$0	$0	$0							NCI
Sharerholders Equity	$50,465	$54,682	$65,418	$72,564	$74,207	$79,047	$87,701	$95,499	$99,818	$111,383	$112,107	$115,160	$127,827	$127,827	$127,827	$127,827		95.40%	<-Total Growth	10	Book Value
Preferred Shares	$3,397	$2,200	$2,700	$4,400	$4,400	$5,000	$5,800	$5,050	$5,700	$5,600	$5,600	$10,888	$10,888	$10,888	$10,888	$10,888					Preferred Shares
Book Value	$47,068	$52,482	$62,718	$68,164	$69,807	$74,047	$81,901	$90,449	$94,118	$105,783	$106,507	$104,272	$116,939	$116,939	$116,939	$116,939		86.45%	<-Total Growth	10	Book Value
Book Value per Share	$25.60	$28.43	$33.79	$36.69	$37.89	$40.45	$45.19	$49.80	$51.60	$58.07	$59.45	$59.57	$69.22	$69.22	$69.22	$69.22		104.85%	<-Total Growth	10	Book Value per Share
Change	6.52%	11.06%	18.86%	8.60%	3.25%	6.78%	11.70%	10.22%	3.61%	12.53%	2.39%	0.20%	16.18%	0.01%	-0.01%	0.00%		12.37%	P/B Ratio		Current/Historical Median
P/BV (Median)	1.70	1.85	1.58	1.50	1.76	1.84	1.59	1.26	1.44	1.60	1.43	1.35	1.37	1.78				1.67	P/B Ratio		Historical Median
P/BV (Close)	1.87	1.95	1.59	1.66	1.94	1.81	1.66	1.18	1.74	1.50	1.30	1.29	1.66	1.87	1.87	1.86		7.43%	<-IRR #YR->	10	Book Value per Share	104.85%
Change	10.53%	4.45%	-18.58%	4.40%	16.76%	-6.78%	-7.80%	-29.09%	47.51%	-13.76%	-13.23%	-0.83%	28.78%	12.57%	0.01%	-0.76%		6.80%	<-IRR #YR->	5	Book Value per Share	38.98%
Leverage re Bank								4.5%	4.8%	4.9%	4.4%	4.2%	4.6%	4.6%
Leverage (A/BK)	16.60	16.80	16.48	15.86	17.01	16.68	16.14	17.97	17.32	17.22	17.46	17.90	16.39	16.39				17.11	<-Median->	10	A/BV
Debt/Equity Ratio	15.60	15.80	15.48	14.86	16.01	15.68	15.14	16.97	16.32	16.22	16.46	16.90	15.39	15.39				16.11	<-Median->	10	Debt/Eq Ratio
Sharerholders Equity (Assets less liabilities)									P/BV	10 yr Med	1.47	5 yr Med	1.43		27.46%	Diff M/C		17.62	Historical	30	A/BV
			-$33.79	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$69.22
								-$49.80	$0.00	$0.00	$0.00	$0.00	$69.22
Comprehensive Income	$6,183	$9,202	$13,697	$9,679	$7,014	$10,666	$14,707	$14,361	$9,496	$13,135	$11,458	$13,885	$25,525					86.35%	<-Total Growth	10	Comprehensive Income
Preferred Shareholders	$185	$143	$99	$115	$193	$214	$252	$267	$267	$259	$563	$563	$565								Preferred Shareholders
NCI	$105	$107	$112	$141	$121	$72	$18	$0	$0	$0	$0	$0	$0					-100.00%	<-Total Growth	10	NCI
Shareholders	$5,893	$8,952	$13,486	$9,423	$6,700	$10,380	$14,437	$14,094	$9,229	$12,876	$10,895	$13,322	$24,960					164.88%	<-Total Growth	10	Comprehensive Income
Increase	-9.20%	51.91%	50.65%	-30.13%	-28.90%	54.93%	39.08%	-2.38%	-34.52%	39.52%	-15.39%	22.28%	87.36%					22.3%	<-Median->	5	Comprehensive Income
5 Yr Running Average	$5,358	$6,203	$8,012	$8,849	$8,891	$9,788	$10,885	$11,007	$10,968	$12,203	$12,306	$12,083	$14,256					6.35%	<-IRR #YR->	10	Comprehensive Income	85.08%
ROE	12.5%	17.1%	21.5%	13.8%	9.6%	14.0%	17.6%	15.6%	9.8%	12.2%	10.2%	12.8%	21.3%					12.11%	<-IRR #YR->	5	Comprehensive Income	77.10%
5Yr Median	12.5%	12.5%	14.7%	14.7%	13.8%	14.0%	14.0%	14.0%	14.0%	14.0%	12.2%	12.2%	12.2%					5.93%	<-IRR #YR->	10	5 Yr Running Average	77.93%
% Difference from NI	-7.5%	17.3%	72.6%	8.6%	-33.1%	-6.0%	26.5%	21.2%	-34.3%	-25.0%	6.6%	60.2%	25.0%					5.31%	<-IRR #YR->	5	5 Yr Running Average	29.52%
Median Values										Diff	5, 10 yr	7.6%	6.6%					12.2%	<-Median->	5	Return on Equity
			-$13,486	$0	$0	$0	$0	$0	$0	$0	$0	$0	$24,960
								-$14,094	$0	$0	$0	$0	$24,960
			-$8,012	$0	$0	$0	$0	$0	$0	$0	$0	$0	$14,256
								-$11,007	$0	$0	$0	$0	$14,256
Current Liability Coverage Ratio	0.46	0.50	0.27	0.32	0.51	0.40	0.42	0.21	0.32	0.42	0.19	0.18	0.40	0.40							CFO / Current Liabilities
5 year Median			0.46	0.46	0.46	0.40	0.40	0.40	0.40	0.40	0.32	0.21	0.32	0.40				0.32	<-Median->	5	Current Liability Cov Ratio
Asset Efficiency Ratio	0.95%	1.08%	0.91%	1.03%	1.76%	1.16%	1.03%	0.67%	0.92%	0.98%	0.54%	0.44%	1.03%	1.03%							CFO / Total Assets
5 year Median	0.95%	0.95%	0.95%	0.98%	1.03%	1.08%	1.03%	1.03%	1.03%	0.98%	0.92%	0.67%	0.92%	0.98%				0.9%	<-Median->	5	Return on Assets
Return on Assets ROA	0.74%	0.81%	0.71%	0.74%	0.78%	0.83%	0.81%	0.68%	0.81%	0.90%	0.52%	0.40%	0.95%	0.70%				Net	Income/Assets		Return on Assets
5Yr Median	0.74%	0.76%	0.76%	0.74%	0.74%	0.78%	0.78%	0.78%	0.81%	0.81%	0.81%	0.68%	0.81%	0.70%				0.8%	<-Median->	5	Asset Efficiency Ratio
Return on Equity ROE	13.54%	14.54%	12.46%	12.73%	14.34%	14.92%	13.94%	12.86%	14.93%	16.23%	9.59%	7.98%	17.08%	12.59%				Net Inc/	Shareholders' equity		Return on Equity
5Yr Median	13.14%	13.54%	13.54%	13.54%	13.54%	14.34%	13.94%	13.94%	14.34%	14.92%	13.94%	12.86%	14.93%	12.59%				14.9%	<-Median->	5	Return on Equity
														$20,996	<-12 mths	5.12%
Net Income	$6,662	$7,883	$8,024	$8,936	$10,324	$11,334	$11,686	$11,895	$14,298	$17,429	$10,782	$8,842	$20,538					155.96%	<-Total Growth	10	Net Income
Preferred Shareholders	$185	$143	$99	$141	$193	$214	$252	$267	$249	$259	$563	$526	$565					470.71%	<-Total Growth	10	Preferred Shareholders
NCI	$105	$107	$112	$115	$121	$72	$18	$0	$0	$0	$0	$0	$0					-100.00%	<-Total Growth	10	NCI
Shareholders	$6,372	$7,633	$7,813	$8,680	$10,010	$11,048	$11,416	$11,628	$14,049	$17,170	$10,219	$8,316	$19,973	$14,725	$15,900	$15,385		155.64%	<-Total Growth	10	Net Income
Increase	3.26%	19.79%	2.36%	11.10%	15.32%	10.37%	3.33%	1.86%	20.82%	22.22%	-40.48%	-18.62%	140.18%	-26.28%	7.98%	-3.24%		EPS/CF Ratio should not be higher than 1.00
5 Yr Running Average	$5,131	$6,067	$6,740	$7,334	$8,102	$9,037	$9,793	$10,556	$11,630	$13,062	$12,896	$12,276	$13,945	$14,081	$13,827	$14,860		9.84%	<-IRR #YR->	10	Net Income	155.64%
Operating Cash Flow	$31,695	$25,967	$35,273	$44,125	$34,870	$5,693	$271	$231,786	$50,129	$38,949	-$65,302	$54,937	-$69,646					11.43%	<-IRR #YR->	5	Net Income	71.77%
Investment Cash Flow	-$20,098	-$33,475	-$47,077	-$24,972	-$67,311	$1,549	$5,506	-$224,115	-$45,268	-$31,895	$76,226	-$45,422	$86,188					7.54%	<-IRR #YR->	10	5 Yr Running Ave.	106.92%
Total Accruals	-$5,225	$15,141	$19,617	-$10,473	$42,451	$3,806	$5,639	$3,957	$9,188	$10,116	-$705	-$1,199	$3,431					5.73%	<-IRR #YR->	5	5 Yr Running Ave.	32.10%
Total Assets	$862,532	$944,742	$1,104,373	$1,176,967	$1,278,995	$1,334,903	$1,415,290	$1,715,865	$1,728,672	$1,917,528	$1,957,024	$2,061,751	$2,094,558						Balance Sheet		Assets
Accruals Ratio	-0.61%	1.60%	1.78%	-0.89%	3.32%	0.29%	0.40%	0.23%	0.53%	0.53%	-0.04%	-0.06%	0.16%					0.16%	<-Median->	5	Ratio
EPS/CF Ratio	0.77	0.75	0.78	0.72	0.45	0.71	0.78	1.02	0.89	0.92	0.95	0.91	0.90					0.90	<-Median->	10	EPS/CF Ratio
			-$7,813	$0	$0	$0	$0	$0	$0	$0	$0	$0	$19,973
								-$11,628	$0	$0	$0	$0	$19,973
			-$6,740	$0	$0	$0	$0	$0	$0	$0	$0	$0	$13,945
								-$10,556	$0	$0	$0	$0	$13,945
Change in Close	17.7%	16.0%	-3.2%	13.4%	20.6%	-0.5%	3.0%	-21.8%	52.8%	-2.9%	-11.2%	-0.6%	49.6%	12.6%	0.0%	-0.8%			Count	44	Years of data
up/down												up							Count	9	20.45%
Meet Prediction?																		% right	Count	2	22.22%
Financial Cash Flow	-$11,489	$6,565	$11,916	-$18,451	$32,599	-$6,527	-$5,652	-$6,129	-$5,036	-$4,819	-$12,847	-$9,813	-$15,501						C F Statement		Financial Cash Flow
Total Accruals	$6,264	$8,576	$7,701	$7,978	$9,852	$10,333	$11,291	$10,086	$14,224	$14,935	$12,142	$8,614	$18,932								Accruals
Accruals Ratio	0.7%	0.9%	0.7%	0.7%	0.8%	0.8%	0.8%	0.6%	0.8%	0.8%	0.6%	0.4%	0.9%					0.78%	<-Median->	5	Ratio
Net Cash Flow	$108	$943	$112	$702	$158	$764	$128	$1,545	-172.00	$2,238	-$1,920	-$295	$1,044								Net Cash Flow
Per share	$0.06	$0.51	$0.06	$0.38	$0.09	$0.42	$0.07	$0.85	-$0.09	$1.23	-$1.07	-$0.17	$0.62								Per share
5 yr Running	$0.17	$0.04	$0.02	$0.03	$0.01	$0.09	$0.20	$0.36	0.27	$0.49	$0.20	$0.15	$0.10								5 yr Running
Cash	$3,581	$2,781	$3,154	$3,907	$3,971	$4,735	$4,863	$6,445	$5,931	$8,556	$6,721	$6,437	$7,512	$7,512							Cash
Cash per Share	$1.95	$1.51	$1.70	$2.10	$2.16	$2.59	$2.68	$3.55	$3.25	$4.70	$3.75	$3.68	$4.45	$4.45				$3.75	<-Median->	5	Cash per Share
Percentage of Stock Price	4.07%	2.72%	3.17%	3.46%	2.94%	3.54%	3.57%	6.04%	3.62%	5.39%	4.84%	4.78%	3.86%	3.43%				4.78%	<-Median->	5	% of Stock Price
Notes:
January 8, 2025.  Last estimates were for 2025, 2026, 2027 of $52608M, $54499M, $54287M Revenue, $7.84, $8.41, $8.20 for AEPS, $6.99, $8.27, $7.87 EPS,
$4.21, $4.43, $4.48 Dividends, $21605M, $22245M 2025/6 EBIT, $62.01, $65.76, $67.43 BVPS, $12755M, $14335M, $14229M Net Income.
January 5, 2025.  Last estimates were for 2024, 2025, 2026 of $51131M, $53182M, $55892M for Revenue, $7.85, $847 2024/5 AEPS,
$7.49, $8.35, $8.48 EPS, $4.07, $4.32, $4.22 for Dividends, $60.00, $64.40, $65.50 BVPS, $12143M, $12300M, $14057M Net Income.
January 6, 2024.  Last estimates were for 2023, 2024 and 2025 of $51391M, $55294M and $50896M for Revenue, $9.04, $9.61 and $8.49 for AEPS,
$8.58, $9.33 and $8.49 for EPS, $3.75, $54.23 and $4.06 for Dividends, $59.70 and $63.60 2023/4 for BVPS, $15308M, $16294M and $15405M for Net Income.
January 7, 2023.  Last estimates were for 2022 and 2023 of $41937M and $45108M for Revenue, $7.88 and $8.36 for EPS,
$3.59 and $3.87 for Dividends, and $14372M and $14643M for Net Income.
January 8, 2022.  Last estimates were for 2021 and 2022 of $39261M, $40898M for Revenue, $5.76 and $6.46 for EPS,
$3.16, $3.10 and $3.19 for Dividends, and $12399M and $14318M for Net Income.
January 9, 2021.  Last estimates were for 2020, 2021 and 2022 of 40248, $41622 and $43429 for Revenue, $6.70, $7.06 and 7.08 for EPS,
$3.10, $3.31 and $3.40 for Dovodemds and $12056, $12667 and $12833 for Net Income.
January 10, 2020.  Last estimates were for 2019, 2020 and 2021 of $39478M, $41290M, and $41658M for Revenue, $6.78, $7.25 and $8.28 for EPS and $12207M and $13254M for Net Income fo 2019 and 2020.
January 12, 2019.  Last estimates were for 2018, 2019 and 2020 of $36198M, $37042M and $37042M for Revenue, $5.53, $6.93 and $6.93 for EPS,  $6.54 for CFPS for 2018.
Looks like I did not update future values in the previous year.
January 7, 2018.  Last estimates were for 2017, 2018 and 2019 of $34550M, $36198M and $37042M for Revenue, $5.16, $5.53 and $6.93 for EPS,
$5.36 and $6.54 for CFPS for 2016 and 2017, and $9369M for Net Income for 2017.
January 14, 2017.  Last estimates were for 2016, 2017 and 2018 of $31997M, $33730M and $34869M for Revenue, $4.75, $5.07 and $5.92 for EPS,
$5.36, $5.76 and $6.34 for CFPS and $8741M and $9369M for Net Income for 2016 and 2017.
January 10, 2016.  Last estimates were for 2016, 2017 and 2018 of 29630M, 31581M and $32010M for Revenue, $4.45, $4.80 and 5.28 for EPS, $4.99, $5.39 and $5.55 for CFPS and $8266M, $8924M and $9592M for net income.
January 10, 2015.  Last estimates were for 2014, 2015 and 2016 of $28500M, $30075M and $60414M for Revenue, $8.37, $9.14 and $9.63 for EPS, $4.67, $4.99
and $4.93 for CFPS and $7701M, $8398M and $8874M for net income.
January 9, 2014.  Last estimtes were for 2013 and 2014 of $24229M and $26370M for Revenue and $7.81 and $8.72 for EPS and $9.54 for CFPS for 2013.
January 01, 2013.  Last estimates were for 2012 and 2013 at $23051M and 24374M for Revenue, $7.06 and $7.80 for EPS and $8.72 and $9.54 for CFPS.
Dec 16, 2011.  Last Estimates were $6.48 and $7.25 for EPS and $7.70 and $10 for CF
Feb 24, 2011.  Check unaudited figures I got previous against audited statements received.  There were no changes.  However, I got the net income figures from wrong column and I have fixed that.
I got changes in working capital or current assets and liabilities from Globe site.
Dec 06, 2011.  when I last looked I got estimates for 2010 and 2011 of $5.45 and $6.40 for earnings and $7.40 and $8.00 for cash flows.
Dec 17, 2009.  I have updated speadsheet with unaudited 2009 report.  The huge amount of insider selling during the last 12 months is a big negative for this stock.
In March 2009, I picked up earnings for 2009 and 2010 of $5.20 and $5.58 and CF of $5.96 and $6.36.
2008.  I have had stock since Feb 2000 and have made IRR of 6.62%.  Not great, but we are in a bear market currently.  Dividends have increased nicely.
2005.  I have had stock since Feb 2000 and have made IRR of 13.29%.  What you expect from a bank stock.  Div counts a lot.  Revenue and stock still recovering from 2001 bear market.
2004. earnings are starting to grow, but not yet strongly.
Earnings are not growing well lately.2003
TD Bank has been a dividend payer since 1857.
Sector:
Bank, Financial Services
What should this stock accomplish?
I would expect dividends to be moderate to good with moderate dividend growth over the longer term.
Would I buy this company and Why.
This is one of the big 5 banks of Canada.  I think all Canadians should have at least one bank in their portfolio.
I have three banks of BMOm RY and TD.
Why am I following this stock.
This stock, as all banks, was on Mike Higgs' Canadian Dividend Growth Stock list and the other dividend lists that I followed.
Why I bought this stock.
When I sold some Metro in 2009, I bought this stock.  It is the 3rd bank stock I bought.
Dividends
Dividends are paid in cycle 1, but at the very end of the month, so they are 31st of January, April, July and October.  Dividends are declared in one month for shareholders and payment in the following month.
For example, the dividend declared on December 5, 2013 is for shareholders of record of January 6, 2014 and payable on January 31, 2014.
Misson Statement or closes thing I can find.
What I am looking for is a mission statement that the company wants to do well by their customers, employees, and community and thereby earn shareholders a reasonable return.
Our Mission:  We will be the Best Run, Customer-Focused, Integrated Financial Institution, with a Unique and Inclusive Employee Culture.
Our Strategy: To produce long-term, profitable growth by building great franchises and delivering value to our Customers, Shareholders and Communities.
How they make their money
Toronto-Dominion is one of Canada's two largest banks. TD Bank operates four business segments: Canadian personal and
commercial banking, US retail banking, wealth management and insurance, and wholesale banking.  It mainly operates in Canada and US.
For most ratios, lower is better when looking for a good stock price.  However, there are exceptions such as for yield and asset/liability ratios and here you want a higher ratios to indicate a good stock price.
Also, for the Operational Profit Margin, a higher percentage is better.  With the OPM, you should only compare companies in similar industries.
Shares; '%, Value $M	%, Val $M	Shares	%, Val $M	Shares	%, Val $M	Shares	%, Val $M	Shares	%, Val $M	Shares	%, Val $M	Shares	%, Val $M	Shares	%, Val $M			Shares	%, Val $M			Change
Date	2018	Jan 12	2019	Jan 10	2020	Jan 09	2021	Jan 08	2022	Jan 07	2023	Jan 06	2024	Jan 05	2025			Jan 08	2026
Chun, Raymond										0.000	0.00%	0.006	0.00%	0.012	0.00%			0.020	0.00%		used to be officer	62.31%
CEO - Shares - Amount											$0.004		$0.480		$1.408				$2.574
Options - percentage										0.124	0.01%	0.223	0.01%	0.228	0.01%			0.483	0.03%			112.12%
Options - amount											$9.640		$17.130		$26.239				$62.660
Masrani, Bharat	0.03%	0.617	0.03%	0.614	0.03%	0.834	0.05%	0.872	0.05%	1.004	0.06%	1.135	0.06%	1.389	0.08%						Ceased insider Feb 2025
CEO - Shares - Amount	$45.093		$46.436		$36.072		$74.908		$76.061		$77.742		$87.369		$159.931
Options - percentage	0.09%	2.056	0.11%	2.290	0.13%	2.309	0.13%	2.490	0.14%	2.635	0.15%	2.827	0.16%	2.522	0.15%
Options - amount	$124.004		$154.603		$134.629		$207.410		$217.061		$204.097		$217.586		$290.406
Reuters Options Value
Clark, William Edmund
CEO - Shares - Amount
Options - percentage
Options - amount
Reuters Options Value
Tran, Kelvin Vi Luan						0.011	0.00%	0.017	0.00%	0.017	0.00%	0.017	0.00%	0.027	0.00%			0.027	0.00%			0.96%
CFO - Shares - Amount							$0.975		$1.512		$1.343		$1.335		$3.056				$3.474
Options - percentage						0.195	0.01%	0.184	0.01%	0.220	0.01%	0.268	0.02%	0.304	0.02%			0.348	0.02%			14.68%
Options - amount							$17.518		$16.073		$17.023		$20.612		$34.968				$45.145
Ahmed, Riaz	0.02%	0.409	0.02%	0.351	0.02%	0.351	0.02%	0.437	0.02%	0.437	0.02%	0.470	0.03%	0.470	0.03%						was Office in 2015, now	-100.00%
CFO - Shares - Amount	$29.171		$30.794		$20.645		$31.555		$38.071		$33.823		$36.202		$54.164						CFO
Options - percentage	0.04%	0.806	0.04%	0.738	0.04%	0.810	0.04%	0.840	0.05%	0.986	0.06%	1.038	0.06%	1.159	0.07%						Now Group Head, 2022	-100.00%
Options - amount	$54.703		$60.583		$43.408		$72.781		$73.279		$76.357		$79.869		$133.519						Last update Dec 2024
Bambawale, Ajai		0.003	0.00%	0.003	0.00%	0.003	0.00%	0.003	0.00%	0.003	0.00%	0.003	0.00%	0.003	0.00%			0.003	0.00%			1.83%
Officer - Shares - Amount			$0.224		$0.177		$0.276		$0.271		$0.240		$0.242		$0.366				$0.419
Options - percentage		0.163	0.01%	0.189	0.01%	0.240	0.01%	0.231	0.01%	0.293	0.02%	0.355	0.02%	0.403	0.02%			0.363	0.02%			-9.98%
Options - amount			$12.238		$11.128		$21.601		$20.160		$22.692		$27.304		$46.400				$47.024
Hooper, Barbara Ann												0.050	0.00%	0.059	0.00%			0.060	0.00%			1.38%
Officer - Shares - Amount													$3.862		$6.844				$7.812
Options - percentage												0.282	0.02%	0.307	0.02%			0.330	0.02%			7.50%
Options - amount													$21.687		$35.374				$42.814
Burns, Melanie														0.014	0.00%			0.015	0.00%			1.49%
Officer - Shares - Amount															$1.651				$1.886
Options - percentage														0.105	0.01%			0.128	0.01%			22.08%
Options - amount															$12.064				$16.581
Ferguson, Brian Charles						0.005	0.00%	0.005	0.00%	0.005	0.00%	0.005	0.00%	0.005	0.00%							-100.00%
Director - Shares - Amount							$0.411		$0.399		$0.354		$0.352		$0.527
Options - percentage						0.025	0.00%	0.029	0.00%	0.032	0.00%	0.037	0.00%	0.041	0.00%							-100.00%
Options - amount							$2.248		$2.521		$2.475		$2.812		$4.709
Brant, Cherie Lynn														0.002	0.00%			0.002	0.00%			0.00%
Director - Shares - Amount															$0.176				$0.198
Options - percentage														0.001	0.00%			0.013	0.00%			1220.21%
Options - amount															$0.116				$1.721
Antoun, Ayman (Sub Exe)														0.002	0.00%			0.002	0.00%			11.11%
Director - Shares - Amount															$0.207				$0.259
Options - percentage														0.011	0.00%			0.019	0.00%			70.70%
Options - amount															$1.254				$2.411
Brinkley, Amy W.				0.000	0.00%	0.000	0.00%	0.000	0.00%	0.000	0.00%	0.000	0.00%	0.000	0.00%							#DIV/0!
Director - Shares - Amount					$0.000		$0.000		$0.000		$0.000		$0.000		$0.000
Options - percentage				0.056	0.00%	0.065	0.00%	0.070	0.00%	0.073	0.00%	0.079	0.00%	0.087	0.01%							-100.00%
Options - amount					$3.276		$5.806		$6.094		$5.655		$6.107		$9.991
Goggins, Colleen A.										0.009	0.00%	0.009	0.00%	0.009	0.00%							-100.00%
Director - Shares - Amount											$0.682		$0.677		$1.013
Options - percentage										0.050	0.00%	0.056	0.00%	0.067	0.00%							-100.00%
Options - amount											$3.866		$4.325		$7.677
MacIntyre, John B.														0.036	0.00%			0.081	0.00%			124.09%
Chairman - Shares - Amt															$4.168				$10.514
Options - percentage														0.006	0.00%			0.013	0.00%			111.30%
Options - amount															$0.683				$1.624
MacGibbon, Alan N.												0.004	0.00%	0.004	0.00%							-100.00%
Chairman - Shares - Amt													$0.314		$0.469
Options - percentage												0.063	0.00%	0.074	0.00%							-100.00%
Options - amount													$4.845		$8.496
Levitt, Brian	0.00%	0.030	0.00%	0.000	0.00%	0.000	0.00%	0.000	0.00%	0.000	0.00%	0.000	0.00%								Last filed Dec 2022
Chairman - Shares - Amt	$2.191		$2.256		$0.000		$0.000		$0.000		$0.000		$0.000
Options - percentage	0.00%	0.092	0.01%	0.099	0.01%	0.115	0.01%	0.125	0.01%	0.130	0.01%	0.140	0.01%
Options - amount	$5.935		$6.898		$5.835		$10.327		$10.874		$10.091		$10.743
Increase in O/S Shares	0.16%	2.900	0.16%	2.300	0.13%	1.500	0.08%	2.800	0.15%	1.800	0.10%	1.200	0.07%	1.700	0.10%			2.260	0.13%
due to SO	$220.110		$211.787		$172.983		$88.170		$251.552		$156.942		$92.952		$130.849				$260.262
Book Value	$148.000		$152.000		$124.000		$79.000		$165.000		$120.000		$83.000		$112.000				$165.000
Insider Buying	-$0.185		$0.000		-$0.061		-$0.607		-$0.852		-$1.000		$0.000		-$0.057				-$7.167
Insider Selling	$68.028		$25.664		$37.821		$4.278		$39.785		$5.830		$8.748		$0.000				$25.915
Net Insider Selling	$67.843		$25.664		$37.760		$3.671		$38.933		$4.830		$8.748		-$0.057				$18.749
% of Market Cap	0.05%		0.02%		0.04%		0.00%		0.02%		0.00%		0.01%		0.00%				0.01%
Directors		11		14		13		15		16		16		16				14
Women	36%	3	27%	5	36%	5	38%	6	40%	7	44%	7	44%	7	44%			6	43%
Minorities	14%	1	9%	2	14%	2	15%	2	13%	4	25%	3	19%	3	19%			3	21%
	48.87%	662	48.09%	20	39.85%	20	43.55%	20	43.55%	20	43.05%	20	44.97%	20	43.41%			20	42.34%
Institutions -402	49.19%	880.272	48.57%	725.268	40.01%	790.754	43.63%	790.754	43.63%	783.779	43.75%	805.361	44.96%	759.773	44.97%			710.829	42.07%
Holding 53.13%	2.15%	7.331	0.84%	7.713	1.07%	5.283	0.67%	5.283	0.67%	21.855	2.87%	-3.728	-0.46%	32.838	4.52%			-148.023	-17.23%
On Jan 09 2014	NASDAQ	872.941	NASDAQ	717.556	Top 20 MS	785.471	Top 20 MS	785.471	Top 20 MS	761.924	Top 20 MS	809.090	Top 20 MS	726.934	Top 20 MS			858.852	Top 20 MS
NASDAQ
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My stock
																			All
																		21-Feb-00	-$7,389.00	P	$18.47	400
																		20-Apr-00	-$6,949.00	P	$17.37	400
																		3-Jun-09	$11,282.01	S	-$28.21	-400
																		1-May-09	-$57,237.99	P	$23.85	2,400
																		3-Mar-17	$21,044.01	S	-$70.15	-300
																		31-Dec-25	$323,400.00		$22.37	3,200
																		9.69%	XIRR		-$28.63	2,500
																		13.57%
																		3.88%	28.6%
																		% from	$470,009.02		Total Value	Gain
																			-$32,326.02		Less Sale of Stock
																			-$323,400.00		Less Stock Value
																		30.28%	$114,283.00		Dividends Paid	159.67%
																			$71,575.99		Cost of Stock
																			$11,282.01		Sale of Stock
																		69.72%	$263,106.02		Capital Gains/Loss	367.59%
																		100.00%	$377,389.02		Total Return	527.26%
																		Start Date	20-Apr-00		Shares	2,800
																		End date	31-Dec-25		Dividends pd per Share	$40.82
																		Years	25.70		Div less cost	$18.44
																					Cost	$22.38
																					% paid by div	182.37%
																			Pension			2
																		21/02/00	-$7,389.00	P	$18.47	400
																		20/04/00	-$6,979.00	P	$17.45	400
																		03/06/09	$11,282.01	S	-$28.21	-400
																		31/12/25	$51,744.00
																		7.27%	XIRR
																		10.61%
																		3.34%	31.5%
																		% from	$85,284.01		Total Value	Gain
																			-$11,282.01		sale
																			-$51,744.00		Less Stock Value
																		31.39%	$22,258.00		Dividends Paid	154.91%
																			$14,368.00		Cost of Stock
																			$11,282.01		Sale of Stock
																		68.61%	$48,658.01		Capital Gains/Loss	338.66%
																		100.00%	$70,916.01		Total Return	493.57%
																		Start Date	21-Feb-00		Shares	400
																		End date	31-Dec-25		Div pd per Share	$55.65
																		Years	25.86		Div less cost	$37.69
																					Cost	$17.96
																					% paid by div	309.83%
																			RRSP
																		01/05/09	-$57,237.99	P	$23.85	2,400
																		03/03/17	$21,044.01	S	-$70.15	-300
																		31/12/24	$271,656.00
																		11.64%	XIRR
																		15.78%
																		4.14%	26.3%
																		% from	$384,725.01		Total Value	Gain
																			-$21,044.01		Less Sale of Stock
																			-$271,656.00		Less Stock Value
																		30.03%	$92,025.00		Dividends Paid	160.78%
																			$57,237.99		Cost of Stock
																			$0.00		Sale of Stock
																		69.97%	$214,418.01		Capital Gains/Loss	374.61%
																		100.00%	$306,443.01		Total Return	535.38%
																		Start Date	1-May-09		Shares	2,400
																		End date	31-Dec-24		Dividends pd per Share	$38.34
																		Years	15.67		Div less cost	$14.49
																					Cost	$23.85
																					% paid by div	160.77%