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 $115,000

EBIT 7,900

Net working capital 4,100

Book value of equity 23,000

Accumulated retained earnings 19,600

Sales 112,000

The stock price of FMM is $31 per share and there are 7,800 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.)