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	$103,000
EBIT	8,300
Net working capital	4,800
Book value of equity	33,000
Accumulated retained earnings	18,200
Sales	106,000

The stock price of FMM is $35 per share and there are 6,400 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.)