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	$113,000
EBIT	8,800
Net working capital	5,300
Book value of equity	38,000
Accumulated retained earnings	18,700
Sales	111,000

The stock price of FMM is $40 per share and there are 6,900 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.)