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	$81,000
EBIT	7,200
Net working capital	3,700
Book value of equity	22,000
Accumulated retained earnings	17,100
Sales	95,000

The stock price of FMM is $24 per share and there are 5,300 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 = ?