The five Jimmy Stewarts got excellent marks in several categories: book value (four sold at a discount), equity-to-assets ratio (all 6.0 or better), high-risk loans (under 10 percent), 90-day delinquencies (2 percent or less), real estate owned (less than 1 percent), and p/e ratio (below 11). That two of them had been buying back their own shares in recent months was another positive.