Fair-to-Midland Manufacturing, Inc. (FMM), has applied for a loan at True Credit Bank. Jon Fulkerson, the credit analyst at the bank, has gathered the following information from the companys financial statements: Total assets $107,000 EBIT 8,500 Net working capital 5,000 Book value of equity 35,000 Accumulated retained earnings 18,400 Sales 108,000 The stock price of FMM is $37 per share and there are 6,600 shares outstanding. What is the Z-score for this company? (Do not round intermediate calculations and round your answer to 3 decimal places, e.g., 32.161.