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 company's financial statements:

Total assets$109,000EBIT8,600Net working capital5,100Book value of equity36,000Accumulated retained earnings18,500Sales109,000

The stock price of FMM is $38 per share and there are 6,700 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.)

Z-score: