OTTR · CIK 0001466593 · FY2025 live · 2025-12-31
Otter Tail Corp
View as
Model
Z″
FY2025
3.26
Zone
Safe
Prior
—
Market DD
—
1y PD
—
3.26
Classic Z 1.71
Z″ 3.26 · distress below 1.10, grey to 2.60, safe above.
Z″ factor contributions
X1 Working capital / assets
Short-term liquidity. Carries more weight in Z″ than in classic Z.
0.116.56 × = 0.74X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
0.313.26 × = 1.00X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.096.72 × = 0.59X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names are not punished for turnover.
0.891.05 × = 0.93
Five-year path
Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings rather than invent a series.
Overview
rule-v1
Otter Tail Corp is on Z″ at 3.26 (safe) for FY2025, from an SEC 10-K. Retained earnings / assets is the line that sets the print; book equity / liabilities is the runner-up. This is the first live year on the desk. No market tape loaded. Z″ drops sales/assets so asset-light names are not punished for turnover. X4 is book equity on every name.
Book screen Safe; market PD —. Tape not priced — not a single default call.
Market DD · naive Merton
No market tape yet.
Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.
Sector peers
Closest Z″ scores · 94th percentile in Utilities.
KPI widgets
Current assets
$800M
Total assets
$4.0B
Current liabilities
$351M
Total liabilities
$2.1B
Working capital
$449M
Retained earnings
$1.2B
EBIT
$346M
Total sales
$1.3B
Book equity
$1.9B
Accession 0001466593-26-000008. Live rank is the latest 10-K on EDGAR (FY2025, period 2025-12-31). Z″ is the live score. View as does not rewrite the live rank. X4 is book equity. Pulled 12 Sept 2026.