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Data as of Q3 2026
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Ranked against 7 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| HD | $328.2B | 23.1× | 15.4× | 2.0× | 3.2% | 33.3% | 8.6% | 110% | 22.8% | 2.0× | 1,478 |
| LOW | $116.2B | 17.5× | 12.6× | 1.4× | 3.1% | 33.5% | 7.7% | -67.1% | 22.3% | 3.1× | 899 |
| SHW | $79.7B | 32.2× | 24.4× | 3.4× | 2.1% | 48.8% | 10.9% | 55.9% | 17.0% | 2.8× | 535 |
| FAST | $60.3B | 48.2× | 32.8× | 7.3× | 8.7% | 45.0% | 15.3% | 31.9% | 30.9% | -0.1× | 462 |
| TSCO | $17.5B | 16.3× | 9.7× | 1.1× | 4.3% | 36.4% | 7.1% | 42.5% | 25.2% | 0.8× | 301 |
| BLDR | $6.8B | 16.2× | 8.0× | 0.5× | -7.4% | 30.4% | 2.9% | 10.0% | 4.9% | 3.1× | 119 |
| FND | $5.4B | 26.2× | 10.9× | 1.1× | 5.1% | 43.6% | 4.5% | 8.7% | 8.0% | 0.4× | 88 |
| JCTC | $10M | — | — | 0.2× | -12.4% | 15.1% | -10.0% | -19.9% | -19.9% | — | 2 |
Peers = companies sharing JCTC's sector (Retail-Lumber & Other Building Materials Dealers) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Top 2 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on -$6.7M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A reinvestment story — most cash went back into growth rather than to shareholders.
Operating income fell despite reinvestment — a warning on capital productivity. Current ROIC on all capital: -20%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $41.3M 100.0% | $47.1M 100.0% | $54.3M 100.0% | $62.9M 100.0% | $57.5M 100.0% | $44.9M 100.0% | $45.4M 100.0% | $53.9M 100.0% | $47.7M 100.0% | $48.1M 100.0% |
| Cost of Revenue | $35.0M 84.9% | $38.3M 81.2% | $42.0M 77.4% | $49.1M 78.1% | $43.4M 75.4% | $32.5M 72.2% | $35.5M 78.1% | $42.3M 78.5% | $36.6M 76.8% | $38.4M 79.8% |
| Cost of Products | — | — | — | — | — | — | — | — | $36.6M 76.8% | $38.4M 79.8% |
| Gross Profit | $6.3M 15.1% | $8.9M 18.8% | $12.2M 22.6% | $13.8M 21.9% | $14.1M 24.6% | $12.5M 27.8% | $10.0M 21.9% | $11.6M 21.5% | $11.1M 23.2% | $9.7M 20.2% |
| Selling, General & Admin | $3.9M 9.3% | $3.9M 8.2% | $4.0M 7.3% | $4.0M 6.4% | $3.2M 5.6% | $2.5M 5.6% | $2.1M 4.7% | $2.1M 3.9% | $2.0M 4.2% | $1.8M 3.7% |
| Total Operating Expenses | $10.0M 24.2% | $10.7M 22.6% | $11.8M 21.8% | $11.8M 18.8% | $10.4M 18.1% | $8.6M 19.2% | $7.2M 15.9% | $7.3M 13.6% | $6.6M 13.9% | $6.1M 12.7% |
| Operating Income | -$3.8M -9.1% | -$1.8M -3.8% | $431K 0.8% | $2.0M 3.1% | $3.7M 6.5% | — | — | $4.3M 7.9% | $4.4M 9.3% | $3.6M 7.5% |
| Interest Expense | — | — | $458K 0.8% | $163K 0.3% | $15K 0.0% | $0 0.0% | — | — | — | -$27 -0.0% |
| Interest & Investment Income | — | — | — | — | — | — | — | — | — | -$7K -0.0% |
| Other Income (Expense), net | -$135K -0.3% | $2.6M 5.5% | -$388K -0.7% | -$389K -0.6% | $685K 1.2% | — | $151K 0.3% | $3K 0.0% | — | — |
| Pretax Income | -$3.9M -9.4% | $804K 1.7% | $42K 0.1% | — | — | — | — | — | — | — |
| Income Tax Expense | $86K 0.2% | $103K 0.2% | $358K 0.7% | $559K 0.9% | $949K 1.7% | $1.1M 2.4% | $808K 1.8% | $1.3M 2.4% | $1.8M 3.7% | $1.4M 2.9% |
| Net Income | -$4.1M -10.0% | $722K 1.5% | -$21K -0.0% | $1.2M 1.9% | $3.5M 6.0% | $2.8M 6.2% | $2.1M 4.6% | $2.9M 5.4% | $2.7M 5.7% | $2.1M 4.4% |
| Per Share | ||||||||||
| EPS (Basic) | -$1.18 | $0.21 | -$0.01 | $0.33 | $0.99 | $0.77 | $0.50 | $0.66 | $0.60 | $0.87 |
| EPS (Diluted) | -$1.18 | $0.21 | -$0.01 | $0.33 | $0.99 | $0.77 | $0.50 | $0.66 | $0.60 | $0.87 |
| Weighted Avg Shares (Basic) | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.6M | 4.2M | 4.4M | 2.3M | 2.4M |
| Weighted Avg Shares (Diluted) | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.6M | 4.2M | 4.4M | 4.5M | 2.4M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
How much the company owes, how it's trended, and how comfortably it's serviced.
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Thin coverage — earnings barely cover interest. Interest last disclosed in FY2023 (no longer broken out).
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
Solve the discounted cash flow backwards, then stress-test the assumptions.
Average free cash flow across the last 2 positive fiscal years (FY2023, FY2024). Smooths the cycle. Stock compensation is NOT charged — it is added back inside operating cash flow.
To be worth $2.72 today, the market must believe free cash flow compounds -33.2%/yr for a decade (off $5.6M on the 3-yr avg basis).
On the basis ($5.6M) the requirement is -33.1%/yr. Shares issued to employees are added back in operating cash flow, so this basis treats them as free.
Default is 9.5% — this company's computed cost of capital (computed WACC), the same rate the Analysis tab discounts at.
2-stage DCF · 0.00B shares (market data) · net debt -$226K
Today's price is outside this grid at every discount rate shown — the assumptions it requires lie beyond the plotted range, which is itself the finding.
mean -8.8% · volatility σ 188% · implied rate exceeded in 4/6 yrs
Central path = implied -33.2%/yr growth; shaded band = ±1σ (188%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
EOD close · as of 2026-10-30
Where each multiple sits in its own 14-yr range · 0th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE -20% against ROIC -20% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
Equity is the year-end figure. On average equity over the two year-ends, ROE is -18.1% — the two diverge when buybacks or issuance move equity during the year.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Profit and sales moved in opposite directions this year.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 78.5 | 78.1 | 72.2 | 75.4 | 78.1 | 77.4 | 81.2 | 84.9 |
| Gross Profit | 21.5 | 21.9 | 27.8 | 24.6 | 21.9 | 22.6 | 18.8 | 15.1 |
| SG&A | 3.9 | 4.7 | 5.6 | 5.6 | 6.4 | 7.3 | 8.2 | 9.3 |
| Operating Income | 7.9 | — | — | 6.5 | 3.1 | 0.8 | -3.8 | -9.1 |
| Income Tax | 2.4 | 1.8 | 2.4 | 1.7 | 0.9 | 0.7 | 0.2 | 0.2 |
| Net Income | 5.4 | 4.6 | 6.2 | 6.0 | 1.9 | -0.0 | 1.5 | -10.0 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on JCTC: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Earns -24.05pts against its cost of capital — capital is being consumed, not created.
| Period | ROIC | Cost of capital | Spread |
|---|---|---|---|
| FY2021 | 11.5% | 9.5% (today's — no rate published for this year) | 2.0pts |
| FY2022 | 5.7% | 7.5% | -1.8pts |
| FY2023 | 1.3% | 8.1% | -6.8pts |
| FY2024 | -5.9% | 8.0% | -13.9pts |
| FY2025 | -12.6% | 8.2% | -20.9pts |
| Now | -19.9% | 9.5% | -29.4pts |
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2016 | 20.2% | 7.5% | 4.4% |
| FY2017 | 23.2% | 9.3% | 5.7% |
| FY2018 | 21.5% | 7.9% | 5.4% |
| FY2019 | 21.9% | not reported | 4.6% |
| FY2020 | 27.8% | not reported | 6.2% |
| FY2021 | 24.6% | 6.5% | 6.0% |
| FY2022 | 21.9% | 3.1% | 1.9% |
| FY2023 | 22.6% | 0.8% | -0.0% |
| FY2024 | 18.8% | -3.8% | 1.5% |
| FY2025 | 15.1% | -9.1% | -10.0% |
Return on equity (-20%) and return on invested capital (-20%) are within a couple of points in FY2025, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
ROIC ex-goodwill is -14.56% against -14.56% reported — the return is earned on a capital base inflated by what was paid for acquisitions, not by the operating business alone.
Converts 0.92x of reported profit into cash — adequate, without much margin.
Reported free cash flow is -$7M; after share-based compensation it is -$7M. The difference is a real cost that the cash flow statement adds back.
No debt, so there is no leverage path to distress.
Balance sheet at 2025-08-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Cash burn, not leverage, is the risk for a debt-free company — see question 2 for cash conversion.
At $2.82, free cash flow must compound -32.4%/yr for 10 years. It has no positive compounding record to compare against.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2020 | −142.5% | −32.4% |
| FY2024 | 10.2% | −32.4% |
| FY2025 | −213.7% | −32.4% |
The implied rate has been matched or beaten in 1 of the last 3 years.
| Step | Amount | Running total |
|---|---|---|
| Net income | −$4M | −$4M |
| Share-based comp | $59,926 | −$4M |
| Other non-cash & working capital | −$3M | −$7M |
| Operating cash flow | −$7M | −$7M |
| Capex | −$115,012 | −$7M |
| Free cash flow | −$7M | −$7M |
| FCF after SBC | −$7M | −$7M |
| Fiscal year | Revenue growth | Receivables growth | Gap |
|---|---|---|---|
| FY2020 | -1.1% | 121.3% | 122.3 points |
| FY2021 | 27.9% | 12.9% | -15.0 points |
| FY2022 | 9.4% | 1.5% | -7.9 points |
| FY2023 | -13.7% | -21.6% | -8.0 points |
| FY2024 | -13.2% | -34.9% | -21.7 points |
| FY2025 | -12.4% | 5.3% | 17.7 points |
| Fiscal year | DSO | DIO | DPO | Cash conversion cycle |
|---|---|---|---|---|
| FY2019 | 22.8 days | 65.6 days | 4.2 days | 84.2 days |
| FY2020 | 51 days | 103.4 days | 12.3 days | 142 days |
| FY2021 | 45 days | 121.2 days | 11.4 days | 154.8 days |
| FY2022 | 41.7 days | 153.3 days | 11.6 days | 183.4 days |
| FY2023 | 37.9 days | 159.2 days | 18.9 days | 178.2 days |
| FY2024 | 28.4 days | 125.5 days | 11.8 days | 142.1 days |
| FY2025 | 34.1 days | 165.4 days | 15.7 days | 183.9 days |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | -18.9 percent |
| FY2020 | 21.5 percent |
| FY2021 | 27.0 percent |
| FY2022 | 13.3 percent |
| FY2023 | -18.9 percent |
| FY2024 | -19.3 percent |
| FY2025 | 9.8 percent |
SBC is added back inside operating cash flow, so reported free cash flow treats shares issued to employees as free. Percent of revenue says how expensive the payroll is; percent of operating cash flow says how much of the cash exists only because the charge was added back. The buyback offset is buybacks over SBC — below 1.0 the repurchase does not cover the shares issued.
Figures are the latest fiscal year (FY2025) from the company's own filings, not a trailing-twelve-month window — Q2 reads fiscal years throughout so the cash-conversion ratios and these share one basis. A blank is a line the filer did not report; it is never read as zero.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-20 | 12 co-filers Group filing | Open-market buyindirect | 3,945 | $2.90 | $11k |
| 2026-10-19 | 12 co-filers Group filing | Open-market buyindirect | 1,224 | $2.90 | $4k |
| 2026-10-16 | 12 co-filers Group filing | Open-market buyindirect | 2,136 | $2.90 | $6k |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
| 2026-10-13 | 4 co-filers Group filing | Open-market buyindirect | 883 | $2.90 | $3k |
| 2026-10-12 | 28 co-filers Group filing | Open-market buyindirect | 5,000 | $2.90 | $15k |
| 2026-10-12 | 28 co-filers Group filing | Open-market buyindirect | 5,000 | $2.90 | $15k |
| 2026-10-12 | 28 co-filers Group filing | Open-market buyindirect | 776 | $2.90 | $2k |
| 2026-10-09 | 28 co-filers Group filing | Open-market buyindirect | 826 | $2.90 | $2k |
| 2026-10-09 | 28 co-filers Group filing | Open-market buyindirect | 208 | $2.92 | $606 |
| 2026-10-08 | 28 co-filers Group filing | Open-market buyindirect | 24 | $2.93 | $70 |
| 2026-10-08 | 28 co-filers Group filing | Open-market buyindirect | 425 | $2.92 | $1k |
| 2026-10-05 | 4 co-filers Group filing | Open-market buyindirect | 14 | $2.93 | $41 |
| 2026-10-02 | 24 co-filers Group filing | Open-market buyindirect | 867 | $2.90 | $3k |
| 2026-10-02 | 24 co-filers Group filing | Open-market buyindirect | 1,510 | $2.92 | $4k |
| 2026-10-01 | 24 co-filers Group filing | Open-market buyindirect | 22 | $2.93 | $65 |
| 2026-10-01 | 24 co-filers Group filing | Open-market buyindirect | 1 | $2.94 | $3 |
| 2026-09-30 | 4 co-filers Group filing | Other | 176,006 | $1.85 | $326k |
| 2026-09-30 | 2 co-filers Group filing | Otherindirect | 176,006 | $1.85 | $326k |
| 2026-09-30 | 24 co-filers Group filing | Open-market buyindirect | 5,000 | $2.92 | $15k |
| 2026-09-30 | 2 co-filers Group filing | Open-market sale | 176,006 | $1.85 | $326k |
| 2026-09-30 | 2 co-filers Group filing | Otherindirect | 176,006 | $0.00 | — |
| 2026-09-30 | 2 co-filers Group filing | Other | 1 | — | — |
| 2026-09-30 | 4 co-filers Group filing | Other | 176,006 | $0.00 | — |
| 2026-09-30 | 24 co-filers Group filing | Open-market buyindirect | 516 | $2.92 | $2k |
| 2026-09-29 | 12 co-filers Group filing | Open-market buyindirect | 278 | $2.90 | $808 |
| 2026-09-29 | 12 co-filers Group filing | Open-market buyindirect | 1,854 | $2.92 | $5k |
| 2026-09-28 | 12 co-filers Group filing | Open-market buyindirect | 466 | $2.90 | $1k |
| 2026-09-25 | 12 co-filers Group filing | Open-market buyindirect | 7 | $2.94 | $21 |
| 2026-09-25 | 12 co-filers Group filing | Open-market buyindirect | 441 | $2.91 | $1k |
| 2026-09-25 | 12 co-filers Group filing | Open-market buyindirect | 97 | $2.92 | $283 |
| 2026-09-21 | 12 co-filers Group filing | Open-market buyindirect | 451 | $2.89 | $1k |
| 2026-09-21 | 12 co-filers Group filing | Open-market buyindirect | 166 | $2.93 | $486 |
| 2026-09-18 | 12 co-filers Group filing | Open-market buyindirect | 265 | $2.90 | $770 |
| 2026-09-15 | 12 co-filers Group filing | Open-market buyindirect | 4,767 | $2.91 | $14k |
| 2026-09-15 | 12 co-filers Group filing | Open-market buyindirect | 233 | $2.90 | $676 |
| 2026-09-15 | 12 co-filers Group filing | Open-market buyindirect | 5,000 | $2.88 | $14k |
| 2026-09-14 | 16 co-filers Group filing | Open-market buyindirect | 5,000 | $2.90 | $14k |
| 2026-09-14 | 16 co-filers Group filing | Open-market buyindirect | 900 | $2.90 | $3k |
| 2026-09-11 | 16 co-filers Group filing | Open-market buyindirect | 6 | $2.88 | $17 |
| 2026-09-10 | 16 co-filers Group filing | Open-market buyindirect | 8 | $2.91 | $23 |