$8.53

-0.04 (-0.47%)

Weekly Expected Move ±3.5%

$8 $8 $9 $9 $9

NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 49 · $148.1M mcap · 15M float · 1.71% daily turnover · Short 74% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

23.6 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: -4.0% · 5Y Avg: 3.8%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale ★

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. BCBP has No discernible competitive edge (23.6/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. Negative ROIC of -4.0% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$10

Low

$10

Avg Target

$10

High

Based on 1 analyst since Aug 3, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 0Hold: 4Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$9.50

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-09-21	Piper Sandler	Justin Crowley	$9	$10	+0	+8.9%	$8.72
2026-02-10	Piper Sandler	—	$14	$9	-5	+7.8%	$8.35
2024-07-29	Piper Sandler	Justin Crowley	Initiated	$14	—	+11.2%	$12.59
2024-07-22	D.A. Davidson	Manuel Navas	Initiated	$13	—	+2.4%	$12.69

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. BCBP receives an overall rating of B-. Strongest factors: DCF (5/5), P/B (4/5). Areas of concern: ROE (1/5), ROA (1/5), P/E (1/5).

Rating Change History

Date	From	To
2026-08-07	B	B-
2026-05-04	B+	B
2026-05-01	B	B+
2026-04-22	C+	B
2026-02-19	B-	C+
2026-02-06	B	B-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 16 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. BCBP scores highest in Earnings Quality (69/100) and lowest in Profitability (0/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

1.13

Distress Zone

Piotroski F-Score

4/9

✗ ✓ ✗ ✓ ✓ ✓ ✗ ✗ ✗

Beneish M-Score

-4.15

Unlikely Manipulator

Ohlson O-Score

-4.22

Bankruptcy prob: 1.4%

Low Risk

Credit Rating

B+

Score: 32.4/100

Trend: Improving

Earnings Quality

—

OCF/NI: -2.00x

Accruals: -1.6%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. BCBP scores 1.13, placing it in the Distress Zone (safe > 3.0, distress < 1.5). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. BCBP scores 4/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. BCBP's score of -4.15 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. BCBP's implied 1.4% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. BCBP receives an estimated rating of B+ (score: 32.4/100), with a improving trend.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

-7.68x

PEG

-0.00x

P/S

1.01x

P/B

0.50x

P/FCF

5.33x

P/OCF

5.24x

EV/EBITDA

-15.76x

EV/Revenue

2.38x

EV/EBIT

-15.05x

EV/FCF

10.08x

Earnings Yield

-9.53%

FCF Yield

18.75%

Shareholder Yield

5.11%

Graham Number

—

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. BCBP currently has negative earnings — the P/E ratio is not meaningful.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.759

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

-0.158

EBIT / Rev

Asset Turnover

0.045

Rev / Assets

Equity Multiplier

10.695

Assets / Equity

ROE

-5.8%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. BCBP's ROE of -5.8% is driven by financial leverage (equity multiplier: 10.69x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

—

Price/Value

—

Margin of Safety

—

Premium

—

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$8.53

Median 1Y

$7.90

5th Pctile

$4.39

95th Pctile

$14.21

Ann. Volatility

37.3%

Analyst Target

$9.50

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Michael A. Shriner President & CEO	$—	$—	$46,438
Jawad Chaudhry & xecutive Vice President & CFO	$—	$—	$33,312
Ryan Blake & xecutive Vice President & COO	$—	$—	$32,669

CEO Pay Ratio

3:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $46,438

Avg Employee Cost (SGA/emp): $14,298

Employees: 295

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

295

+11.7% YoY

Revenue / Employee

$564,193

Rev: $166,437,000

Profit / Employee

$-42,464

NI: $-12,527,000

SGA / Employee

$14,298

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	12.2%	13.1%	14.0%	14.8%	16.2%	16.1%	15.2%	14.8%	12.1%	9.7%	8.8%	6.9%	6.8%	5.8%	1.4%	1.6%	0.9%	-4.0%	0.2%	-5.8%	-5.81%
ROA	1.1%	1.2%	1.3%	1.3%	1.4%	1.4%	1.3%	1.2%	1.0%	0.8%	0.7%	0.6%	0.6%	0.5%	0.1%	0.1%	0.1%	-0.4%	0.0%	-0.5%	-0.54%
ROIC	-32.8%	-33.6%	-43.0%	34.1%	19.3%	11.3%	8.2%	6.9%	5.6%	5.3%	6.8%	5.0%	4.0%	3.6%	0.8%	1.0%	0.7%	-3.1%	0.2%	-4.0%	-4.02%
ROCE	9.8%	11.9%	12.8%	13.2%	11.3%	8.6%	6.7%	5.9%	4.9%	5.0%	4.5%	3.5%	3.4%	4.2%	0.8%	1.0%	0.6%	-0.6%	0.0%	-0.7%	-0.75%
Gross Margin	85.7%	92.9%	99.7%	91.0%	90.4%	79.5%	61.9%	55.3%	49.3%	47.7%	45.1%	38.9%	45.0%	39.9%	6.4%	44.8%	48.9%	-3.8%	51.9%	-23.0%	-22.99%
Operating Margin	39.8%	48.6%	51.9%	47.7%	52.8%	39.3%	27.8%	24.9%	18.7%	16.4%	16.2%	8.6%	18.1%	9.7%	-25.5%	11.1%	12.7%	-59.2%	15.6%	-62.1%	-62.15%
Net Margin	28.2%	34.7%	36.7%	33.7%	37.4%	30.2%	19.9%	17.8%	13.3%	11.5%	11.4%	6.1%	12.9%	6.9%	-18.1%	7.9%	9.3%	-40.9%	11.6%	-50.3%	-50.34%
EBITDA Margin	42.8%	50.1%	52.9%	49.2%	52.9%	39.1%	27.9%	24.7%	18.2%	16.0%	16.1%	8.9%	18.3%	9.9%	-25.0%	11.6%	13.4%	-58.5%	15.9%	-60.7%	-60.74%
FCF Margin	1.4%	37.7%	36.5%	37.5%	36.5%	30.3%	30.7%	25.0%	21.2%	15.9%	11.0%	13.1%	29.7%	33.8%	32.9%	34.2%	16.3%	21.0%	21.5%	23.6%	23.64%
OCF Margin	1.4%	38.0%	36.7%	37.7%	36.7%	30.7%	31.1%	27.7%	23.8%	18.3%	13.3%	13.5%	30.0%	34.4%	33.6%	35.0%	17.3%	21.6%	22.2%	24.0%	24.05%
ROE 3Y Avg	snapshot only																				0.76%
ROE 5Y Avg	snapshot only																				6.16%
ROA 3Y Avg	snapshot only																				0.05%
ROIC 3Y Avg	snapshot only																				0.02%
ROIC Economic	snapshot only																				-3.92%
Cash ROA	snapshot only																				1.13%
Cash ROIC	snapshot only																				7.74%
CROIC	snapshot only																				7.60%
NOPAT Margin	snapshot only																				-12.50%
Pretax Margin	snapshot only																				-15.83%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				8.22%
SBC / Revenue	snapshot only																				0.64%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	6.60	6.27	6.96	6.21	5.47	5.70	4.36	4.01	4.58	6.47	5.79	7.63	9.02	10.07	35.90	26.82	52.60	-11.11	221.80	-10.50	-7.685
P/S Ratio	1.67	1.77	2.19	2.07	1.95	1.95	1.30	1.03	0.91	0.99	0.78	0.81	0.95	0.95	0.83	0.73	0.79	0.84	0.95	1.26	1.008
P/B Ratio	0.77	0.78	0.93	0.90	0.86	0.89	0.64	0.56	0.54	0.61	0.49	0.51	0.59	0.58	0.51	0.44	0.46	0.46	0.51	0.63	0.505
P/FCF	1.23	4.71	5.99	5.52	5.34	6.44	4.23	4.10	4.28	6.23	7.03	6.21	3.21	2.82	2.52	2.13	4.83	3.99	4.43	5.33	5.332
P/OCF	1.23	4.68	5.96	5.49	5.31	6.36	4.18	3.70	3.82	5.43	5.83	6.05	3.19	2.77	2.47	2.08	4.58	3.88	4.31	5.24	5.242
EV/EBITDA	-3.40	-3.19	-1.92	1.51	2.97	5.83	7.03	8.33	10.35	10.64	6.36	9.17	13.18	14.37	54.31	40.62	50.08	-17.28	155.72	-15.76	-15.761
EV/Revenue	-1.26	-1.33	-0.89	0.74	1.52	2.79	2.91	2.92	2.77	2.26	1.18	1.37	1.97	1.93	1.92	1.69	1.25	1.80	0.86	2.38	2.382
EV/EBIT	-3.54	-3.34	-2.00	1.57	3.03	5.89	7.08	8.30	10.26	10.49	6.26	9.05	13.15	14.51	58.91	44.34	62.04	-16.37	14014.47	-15.05	-15.047
EV/FCF	-0.93	-3.54	-2.42	1.97	4.18	9.21	9.49	11.68	13.09	14.20	10.73	10.43	6.63	5.73	5.82	4.95	7.66	8.59	4.00	10.08	10.075
Earnings Yield	15.1%	16.0%	14.4%	16.1%	18.3%	17.5%	23.0%	25.0%	21.8%	15.5%	17.3%	13.1%	11.1%	9.9%	2.8%	3.7%	1.9%	-9.0%	0.5%	-9.5%	-9.53%
FCF Yield	81.5%	21.2%	16.7%	18.1%	18.7%	15.5%	23.6%	24.4%	23.4%	16.1%	14.2%	16.1%	31.1%	35.4%	39.6%	46.9%	20.7%	25.1%	22.6%	18.8%	18.75%
Price/Tangible Book	snapshot only																				0.634
EV/OCF	snapshot only																				9.904
EV/Gross Profit	snapshot only																				9.580
Shareholder Yield	snapshot only																				5.11%

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.21	0.20	0.19	0.11	0.12	0.12	0.13	0.13	0.13	0.10	0.15	0.15	0.13	0.11	0.10	0.08	0.10	255.40	0.12	2.67	2.669
Quick Ratio	0.21	0.20	0.19	0.11	0.12	0.12	0.13	0.13	0.13	0.10	0.15	0.15	0.13	0.11	0.10	0.08	0.10	255.40	0.12	2.67	2.669
Debt/Equity	0.64	0.44	0.44	0.50	0.93	1.49	1.97	2.25	2.22	1.67	1.63	1.64	1.67	1.58	1.47	1.24	1.05	0.99	0.91	0.61	0.614
Net Debt/Equity	-1.36	-1.37	-1.31	-0.58	-0.19	0.38	0.79	1.04	1.10	0.78	0.26	0.35	0.63	0.60	0.66	0.58	0.27	0.53	-0.05	0.56	0.564
Debt/Assets	0.06	0.04	0.04	0.04	0.08	0.12	0.16	0.17	0.18	0.14	0.14	0.14	0.15	0.14	0.13	0.12	0.10	0.09	0.09	0.06	0.057
Debt/EBITDA	3.74	2.41	2.23	2.39	4.11	6.80	9.64	11.66	14.02	12.81	13.83	17.50	18.10	19.29	68.26	49.26	72.70	-17.34	310.71	-8.08	-8.076
Net Debt/EBITDA	-7.89	-7.44	-6.67	-2.74	-0.83	1.75	3.90	5.40	6.97	5.97	2.19	3.71	6.79	7.29	30.77	23.12	18.48	-9.25	-17.04	-7.42	-7.420
Interest Coverage	2.47	3.18	3.93	4.56	5.20	3.61	2.03	1.23	0.72	0.49	0.40	0.30	0.29	0.26	0.06	0.08	0.04	-0.23	0.00	-0.32	-0.321
Equity Multiplier	11.34	10.83	11.01	11.31	11.55	12.18	12.64	12.93	12.55	12.20	12.02	11.83	11.01	11.11	11.04	10.71	10.53	10.78	10.64	10.68	10.681
Cash Ratio	snapshot only																				1.331
Debt Service Coverage	snapshot only																				-0.307
Cash to Debt	snapshot only																				0.081
FCF to Debt	snapshot only																				0.194
Defensive Interval	snapshot only																				178.5 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.045
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	8.67	10.94	10.90	11.24	11.55	11.75	12.06	12.83	13.16	13.04	12.63	12.58	12.38	12.61	11.33	11.76	11.43	0.12	10.30	9.63	9.631
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	42	33	33	32	32	31	30	28	28	28	29	29	29	29	32	31	32	2983	35	38	37.9 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	42	33	33	32	32	31	30	28	28	28	29	29	29	29	32	31	32	2983	35	38	—
Fixed Asset Turnover	snapshot only																				6.613
Cash Velocity	snapshot only																				10.081
Capital Intensity	snapshot only																				21.225

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	0.5%	-0.5%	-2.9%	-4.8%	1.7%	10.0%	24.2%	40.0%	44.6%	44.7%	38.6%	22.0%	12.7%	2.3%	-5.7%	-5.2%	-8.7%	-15.5%	-15.0%	-22.9%	-22.92%
Net Income	64.8%	64.2%	45.7%	27.3%	43.8%	33.1%	18.0%	7.6%	-19.8%	-35.3%	-37.7%	-49.1%	-39.7%	-36.8%	-83.7%	-75.9%	-87.0%	-1.7%	-84.2%	-4.4%	-4.41%
EPS	63.3%	63.1%	44.7%	26.4%	42.6%	32.6%	18.9%	11.3%	-17.4%	-33.8%	-36.7%	-49.6%	-40.4%	-37.4%	-83.9%	-76.1%	-87.1%	-1.7%	-84.4%	-4.4%	-4.39%
FCF	10.7%	-67.0%	-70.6%	-71.9%	-72.6%	-11.4%	4.5%	-6.6%	-16.1%	-24.1%	-50.1%	-36.1%	58.3%	1.2%	1.8%	1.5%	-49.8%	-47.6%	-44.4%	-46.7%	-46.71%
EBITDA	68.9%	69.0%	48.3%	28.9%	40.6%	26.3%	11.8%	0.9%	-24.5%	-35.8%	-37.7%	-48.2%	-37.1%	-35.2%	-82.1%	-73.5%	-84.7%	-1.7%	-86.7%	-3.8%	-3.80%
Op. Income	63.6%	64.0%	45.7%	27.0%	43.8%	30.8%	15.4%	5.1%	-22.3%	-34.3%	-36.3%	-47.7%	-37.5%	-36.6%	-83.8%	-76.1%	-87.7%	-1.7%	-99.8%	-4.2%	-4.20%
OCF Growth	snapshot only																				-47.00%
Asset Growth	snapshot only																				-7.76%
Equity Growth	snapshot only																				-7.54%
Debt Growth	snapshot only																				-54.17%
Shares Change	snapshot only																				0.57%
Dividend Growth	snapshot only																				-24.75%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	5.6%	2.3%	-0.8%	-2.2%	-1.2%	1.0%	4.9%	10.2%	13.9%	16.6%	18.7%	17.6%	18.4%	17.7%	17.5%	17.4%	14.2%	7.8%	3.6%	-3.8%	-3.76%
Revenue 5Y	9.5%	9.3%	8.4%	7.8%	8.5%	9.4%	10.6%	11.7%	11.6%	11.2%	10.9%	9.8%	9.5%	8.8%	8.6%	9.1%	8.7%	6.5%	6.0%	3.5%	3.52%
EPS 3Y	30.2%	23.4%	25.1%	21.9%	25.9%	30.1%	35.1%	40.3%	24.4%	12.7%	2.9%	-10.9%	-11.1%	-18.1%	-50.5%	-48.8%	-60.1%	—	-74.8%	—	—
EPS 5Y	25.2%	23.0%	22.2%	21.2%	22.9%	32.0%	26.9%	28.0%	21.1%	10.6%	8.1%	0.3%	-0.4%	-1.8%	-24.1%	-19.8%	-31.8%	—	-51.3%	—	—
Net Income 3Y	33.7%	26.9%	28.2%	24.1%	27.9%	29.4%	34.2%	39.3%	23.9%	12.2%	2.3%	-11.3%	-11.4%	-18.4%	-50.7%	-49.1%	-60.3%	—	-74.8%	—	—
Net Income 5Y	36.3%	33.7%	33.1%	31.9%	31.8%	35.5%	30.2%	29.7%	22.5%	12.0%	9.2%	0.9%	0.3%	-2.4%	-24.5%	-19.8%	-31.7%	—	-51.2%	—	—
EBITDA 3Y	26.4%	28.0%	29.3%	25.4%	27.7%	28.3%	32.5%	36.7%	21.5%	11.1%	1.1%	-12.3%	-12.6%	-19.3%	-50.1%	-48.3%	-58.3%	—	-75.4%	—	—
EBITDA 5Y	30.7%	29.5%	28.3%	27.4%	26.5%	24.5%	21.6%	21.2%	16.5%	11.2%	8.5%	0.6%	-0.2%	-2.6%	-23.7%	-18.9%	-29.6%	—	-52.3%	—	—
Gross Profit 3Y	8.3%	8.2%	7.9%	8.2%	10.4%	11.3%	12.4%	14.9%	12.6%	8.9%	5.7%	-0.7%	-2.8%	-6.5%	-15.6%	-15.5%	-17.6%	-27.9%	-18.3%	-32.0%	-31.99%
Gross Profit 5Y	9.9%	10.7%	11.0%	11.2%	12.2%	12.0%	11.0%	9.9%	7.2%	4.9%	3.6%	1.3%	0.9%	-0.6%	-5.1%	-3.1%	-3.2%	-10.9%	-5.6%	-17.1%	-17.08%
Op. Income 3Y	24.7%	25.8%	26.8%	23.0%	26.8%	27.6%	32.3%	37.5%	22.3%	12.1%	2.3%	-11.3%	-11.3%	-18.3%	-50.8%	-49.1%	-60.9%	—	-94.5%	—	—
Op. Income 5Y	31.6%	29.5%	28.9%	27.8%	27.5%	25.6%	22.6%	22.3%	16.7%	11.3%	8.4%	0.5%	-0.2%	-2.8%	-24.9%	-20.1%	-32.5%	—	-80.5%	—	—
FCF 3Y	1.1%	5.8%	6.2%	2.7%	5.5%	22.9%	29.3%	43.5%	38.9%	-39.4%	-46.5%	-44.8%	-28.6%	13.4%	13.6%	13.9%	-12.6%	-4.8%	-8.0%	-5.5%	-5.55%
FCF 5Y	—	1.1%	60.6%	28.5%	36.6%	18.1%	18.0%	24.4%	15.7%	-4.5%	-9.0%	-8.4%	9.3%	25.0%	24.8%	36.1%	16.3%	-24.0%	-24.9%	-26.0%	-26.02%
OCF 3Y	1.1%	4.7%	4.9%	1.6%	3.2%	19.0%	25.0%	41.7%	39.1%	-36.8%	-43.3%	-44.5%	-28.5%	13.9%	14.2%	14.6%	-11.2%	-4.2%	-7.5%	-8.2%	-8.20%
OCF 5Y	1.2%	44.7%	31.1%	20.1%	26.5%	16.0%	17.8%	25.2%	17.2%	-2.6%	-6.3%	-8.5%	7.9%	22.8%	22.5%	32.9%	15.0%	-23.7%	-24.6%	-25.9%	-25.89%
Assets 3Y	4.2%	3.5%	3.8%	3.9%	4.9%	6.8%	8.6%	9.0%	10.3%	10.8%	10.5%	9.4%	6.6%	6.6%	4.5%	3.2%	0.9%	-2.6%	-4.6%	-7.0%	-6.97%
Assets 5Y	12.2%	11.7%	11.0%	11.1%	11.8%	12.8%	12.6%	9.0%	7.6%	7.5%	7.2%	6.7%	5.0%	4.4%	3.4%	2.5%	3.4%	3.1%	2.8%	1.5%	1.49%
Equity 3Y	10.4%	11.0%	8.4%	7.1%	8.1%	6.7%	7.3%	7.5%	7.8%	8.0%	8.1%	7.5%	7.6%	5.7%	4.5%	5.1%	4.1%	1.5%	1.1%	-0.9%	-0.86%
Book Value 3Y	7.4%	8.0%	5.8%	5.1%	6.4%	7.3%	8.0%	8.3%	8.2%	8.5%	8.7%	8.0%	8.0%	6.1%	4.9%	5.6%	4.4%	1.5%	0.9%	-1.7%	-1.72%
Dividend 3Y	-2.0%	-1.5%	0.1%	1.6%	0.1%	1.2%	0.4%	-0.2%	-0.0%	0.3%	1.1%	1.9%	2.7%	3.6%	3.5%	3.0%	2.0%	0.8%	-3.4%	-9.7%	-9.66%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.77	0.69	0.57	0.52	0.58	0.68	0.75	0.72	0.67	0.61	0.58	0.60	0.64	0.67	0.69	0.76	0.74	0.55	0.45	0.22	0.221
Earnings Stability	0.89	0.91	0.91	0.85	0.86	0.91	0.94	0.90	0.79	0.56	0.49	0.21	0.12	0.02	0.05	0.08	0.18	0.38	0.54	0.73	0.727
Margin Stability	0.90	0.89	0.87	0.85	0.84	0.86	0.88	0.85	0.82	0.80	0.79	0.76	0.73	0.70	0.64	0.63	0.62	0.57	0.63	0.56	0.558
Rev. Growth Consistency	0.50	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.82	0.89	0.82	0.87	0.93	0.97	0.92	0.86	0.85	0.80	0.84	0.85	0.50	0.50	0.50	0.20	0.50	0.20	0.200
Earnings Smoothness	0.51	0.51	0.63	0.76	0.64	0.72	0.84	0.93	0.78	0.57	0.54	0.35	0.51	0.55	0.00	0.00	0.00	—	0.00	—	—
ROE Trend	0.03	0.04	0.05	0.05	0.06	0.05	0.03	0.01	-0.02	-0.05	-0.06	-0.08	-0.07	-0.07	-0.10	-0.09	-0.08	-0.12	-0.05	-0.10	-0.102
Gross Margin Trend	0.15	0.18	0.22	0.23	0.22	0.14	0.00	-0.13	-0.26	-0.34	-0.35	-0.36	-0.33	-0.29	-0.31	-0.24	-0.17	-0.21	-0.02	-0.15	-0.150
FCF Margin Trend	1.15	-0.27	-0.32	-0.32	-0.37	-0.45	-0.48	-0.57	-0.65	-0.18	-0.23	-0.18	0.01	0.11	0.12	0.15	-0.09	-0.04	-0.00	-0.00	-0.000
Sustainable Growth Rate	7.9%	8.9%	9.8%	10.5%	12.1%	12.2%	11.4%	10.9%	8.3%	6.1%	5.2%	3.2%	3.0%	2.0%	-2.5%	-2.3%	-3.0%	—	-3.4%	—	—
Internal Growth Rate	0.7%	0.8%	0.9%	0.9%	1.1%	1.1%	1.0%	0.9%	0.7%	0.5%	0.4%	0.3%	0.3%	0.2%	—	—	—	—	—	—	—

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	5.39	1.34	1.17	1.13	1.03	0.90	1.04	1.08	1.20	1.19	0.99	1.26	2.83	3.64	14.54	12.87	11.49	-2.87	51.47	-2.00	-2.003
FCF/OCF	1.00	0.99	1.00	1.00	0.99	0.99	0.99	0.90	0.89	0.87	0.83	0.97	0.99	0.98	0.98	0.98	0.95	0.97	0.97	0.98	0.983
FCF/Net Income	snapshot only																				-1.969
CapEx/Revenue	0.3%	0.3%	0.2%	0.2%	0.2%	0.4%	0.4%	2.7%	2.6%	2.4%	2.3%	0.3%	0.2%	0.6%	0.7%	0.8%	0.9%	0.6%	0.6%	0.4%	0.41%
CapEx/Depreciation	snapshot only																				0.569
Accruals Ratio	-0.05	-0.00	-0.00	-0.00	-0.00	0.00	-0.00	-0.00	-0.00	-0.00	0.00	-0.00	-0.01	-0.01	-0.02	-0.02	-0.01	-0.01	-0.01	-0.02	-0.016
Sloan Accruals	snapshot only																				0.756
Cash Flow Adequacy	snapshot only																				3.511

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	5.3%	5.1%	4.4%	4.7%	4.7%	4.3%	5.9%	6.6%	6.8%	5.8%	7.2%	7.1%	6.2%	6.5%	7.8%	9.0%	8.6%	9.0%	7.2%	5.1%	5.63%
Dividend/Share	$0.62	$0.63	$0.65	$0.66	$0.65	$0.65	$0.65	$0.66	$0.66	$0.66	$0.67	$0.68	$0.70	$0.72	$0.72	$0.73	$0.73	$0.73	$0.65	$0.55	$0.48
Payout Ratio	34.7%	31.9%	30.3%	29.2%	25.5%	24.5%	25.5%	26.4%	31.3%	37.8%	41.6%	54.1%	55.7%	65.9%	2.8%	2.4%	4.5%	—	16.0%	—	—
FCF Payout Ratio	6.5%	24.0%	26.1%	25.9%	24.9%	27.7%	24.8%	27.0%	29.3%	36.4%	50.5%	44.0%	19.8%	18.5%	19.7%	19.2%	41.5%	36.0%	32.1%	27.2%	27.25%
Total Payout Ratio	42.9%	44.2%	40.6%	38.6%	33.8%	32.0%	39.1%	41.7%	46.1%	50.7%	46.2%	54.1%	55.7%	65.9%	2.8%	2.4%	4.5%	—	16.0%	—	—
Div. Increase Streak	1	1	1	0	1	1	0	0	0	0	0	0	0	0	1	1	1	1	0	0	0
Chowder Number	0.07	0.09	0.12	0.16	0.10	0.06	0.05	0.04	0.06	0.06	0.09	0.11	0.13	0.17	0.17	0.17	0.14	0.11	-0.02	-0.19	-0.192
Buyback Yield	1.2%	2.0%	1.5%	1.5%	1.5%	1.3%	3.1%	3.8%	3.2%	2.0%	0.8%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	1.0%	1.7%	1.3%	1.3%	1.4%	1.1%	2.7%	3.4%	2.6%	1.3%	-0.1%	-0.9%	-0.6%	-0.4%	-0.5%	-0.6%	-0.7%	-0.8%	-0.6%	-0.5%	-0.49%
Total Shareholder Return	6.2%	6.8%	5.7%	6.0%	6.0%	5.4%	8.6%	10.0%	9.5%	7.1%	7.1%	6.2%	5.5%	6.1%	7.3%	8.4%	7.9%	8.2%	6.7%	4.6%	4.62%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.71	0.71	0.71	0.71	0.71	0.72	0.72	0.73	0.73	0.71	0.71	0.71	0.71	0.71	0.71	0.71	0.74	0.68	70.10	0.76	0.759
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.36	0.40	0.44	0.47	0.50	0.47	0.41	0.35	0.27	0.22	0.19	0.15	0.15	0.13	0.03	0.04	0.02	-0.11	0.00	-0.16	-0.158
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.045
Equity Multiplier	11.52	11.06	11.13	11.26	11.45	11.52	11.86	12.16	12.07	12.19	12.32	12.36	11.75	11.65	11.53	11.27	10.78	10.95	10.84	10.69	10.695

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$1.79	$1.99	$2.14	$2.25	$2.55	$2.64	$2.54	$2.51	$2.11	$1.75	$1.61	$1.26	$1.25	$1.09	$0.26	$0.30	$0.16	$-0.73	$0.04	$-1.02	$-1.02
Book Value/Share	$15.28	$15.91	$15.92	$15.61	$16.29	$16.85	$17.30	$17.80	$18.02	$18.60	$18.90	$18.86	$19.23	$19.01	$18.39	$18.38	$18.55	$17.64	$17.75	$16.90	$16.90
Tangible Book/Share	$14.96	$15.60	$15.61	$15.30	$15.98	$16.53	$16.98	$17.49	$17.70	$18.29	$18.59	$18.55	$18.92	$18.70	$18.08	$18.08	$18.25	$17.34	$17.45	$16.90	$16.90
Revenue/Share	$7.09	$7.02	$6.80	$6.76	$7.15	$7.69	$8.52	$9.79	$10.65	$11.40	$11.99	$11.82	$11.85	$11.56	$11.19	$11.10	$10.76	$9.65	$9.40	$8.50	$8.50
FCF/Share	$9.61	$2.65	$2.48	$2.53	$2.61	$2.34	$2.61	$2.45	$2.25	$1.81	$1.32	$1.55	$3.52	$3.90	$3.69	$3.79	$1.76	$2.02	$2.03	$2.01	$2.01
OCF/Share	$9.63	$2.66	$2.50	$2.55	$2.63	$2.37	$2.65	$2.71	$2.53	$2.08	$1.60	$1.59	$3.55	$3.97	$3.77	$3.88	$1.86	$2.08	$2.08	$2.05	$2.05
Cash/Share	$30.56	$28.89	$27.89	$16.87	$18.12	$18.61	$20.27	$21.48	$20.10	$16.56	$25.98	$24.32	$20.04	$18.66	$14.81	$12.09	$14.58	$8.13	$17.04	$0.84	$0.84
EBITDA/Share	$2.63	$2.93	$3.13	$3.29	$3.67	$3.69	$3.53	$3.44	$2.85	$2.42	$2.23	$1.76	$1.77	$1.56	$0.40	$0.46	$0.27	$-1.00	$0.05	$-1.29	$-1.29
Debt/Share	$9.83	$7.07	$7.00	$7.86	$15.08	$25.08	$34.02	$40.05	$39.97	$31.02	$30.88	$30.85	$32.08	$30.01	$26.97	$22.78	$19.55	$17.42	$16.15	$10.38	$10.38
Net Debt/Share	$-20.73	$-21.82	$-20.89	$-9.01	$-3.04	$6.47	$13.75	$18.57	$19.86	$14.46	$4.90	$6.53	$12.03	$11.35	$12.16	$10.69	$4.97	$9.29	$-0.89	$9.54	$9.54

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.127
Altman Z-Prime	snapshot only																				0.165
Piotroski F-Score	7	7	7	6	5	4	6	6	6	5	6	6	6	5	4	6	5	4	6	4	4
Beneish M-Score	-3.24	-2.89	-2.77	-2.51	-2.31	-1.78	-1.56	-1.55	-1.56	-2.12	-2.06	-2.19	-2.47	-2.51	0.52	-2.54	-2.66	255.16	-2.93	-4.15	-4.153
Ohlson O-Score	snapshot only																				-4.220
ROIC (Greenblatt)	snapshot only																				-57.42%
Net-Net WC	snapshot only																				$-161.93
EVA	snapshot only																				$-64033270.00

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				B+
Credit Score	70.91	67.15	69.48	70.79	57.18	52.87	49.65	48.83	47.19	37.44	43.31	42.00	41.37	43.86	28.26	28.94	25.70	37.11	27.93	32.42	32.425
Credit Grade	snapshot only																				14
Credit Trend	snapshot only																				3.486
Implied Spread (bps)	snapshot only																				650.000
Industry Credit Rank	snapshot only																				11
Sector Credit Rank	snapshot only																				18

BCBP NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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