$9.91

+0.10 (+1.02%)

Weekly Expected Move ±4.2%

$9 $9 $10 $10 $10

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 51 · $172.1M mcap · 16M float · 0.606% daily turnover · Short 43% of daily vol

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

25.9 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 0.2% · 5Y Avg: 5.6%

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 (25.9/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. ROIC of 0.2% suggests modest returns relative to capital deployed.

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

Low

Avg Target

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

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

Rating Summary

ConsensusHold

Avg Target$9.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
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.

May 22, 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 (2/5), ROA (2/5), D/E (2/5), P/E (1/5).

Rating Change History

Date	From	To
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.

★ ★ ★ ★ ★ 29 Grade B

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 (73/100) and lowest in Growth (8/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

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

Altman-B Score

1.48

Distress Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✗ ✓ ✗ ✓ ✗

Beneish M-Score

173.82

Possible Manipulator

Ohlson O-Score

-5.65

Bankruptcy prob: 0.4%

Low Risk

Credit Rating

Score: 41.3/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 51.47x

Accruals: -1.0%

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 1.48, 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 5/9, 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 173.82 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. 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 0.4% 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 BB (score: 41.3/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). BCBP's score of 100/100 is high — cash flows strongly support reported earnings.

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

244.77x

PEG

-0.21x

P/S

1.06x

P/B

0.56x

P/FCF

4.49x

P/OCF

4.31x

EV/EBITDA

548.23x

EV/Revenue

1.94x

EV/EBIT

31578.07x

EV/FCF

9.12x

Earnings Yield

0.45%

FCF Yield

22.28%

Shareholder Yield

7.24%

Graham Number

$4.00

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. At 244.8x earnings, BCBP is priced for high growth expectations. Graham's intrinsic value formula yields $4.00 per share, 148% below the current price.

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

70.100

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.000

EBIT / Rev

Asset Turnover

0.047

Rev / Assets

Equity Multiplier

10.950

Assets / Equity

ROE

0.2%

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 0.2% is driven by financial leverage (equity multiplier: 10.95x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 70.10 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

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.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$0.34

Price/Value

26.09x

Margin of Safety

-2509.38%

Premium

2509.38%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with BCBP's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. BCBP trades at a 2509% premium to its adjusted intrinsic value of $0.34, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 244.8x.

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

$9.91

Median 1Y

$9.32

5th Pctile

$5.22

95th Pctile

$16.68

Ann. Volatility

37.0%

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

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	Q2'21	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	Current
ROE	12.6%	12.6%	13.1%	14.2%	15.0%	16.9%	16.1%	15.5%	14.9%	12.6%	9.7%	9.0%	7.1%	7.1%	5.8%	1.4%	1.6%	0.9%	-4.0%	0.2%	0.22%
ROA	1.1%	1.1%	1.2%	1.3%	1.4%	1.5%	1.4%	1.3%	1.3%	1.1%	0.8%	0.7%	0.6%	0.6%	0.5%	0.1%	0.1%	0.1%	-0.4%	0.0%	0.02%
ROIC	23.5%	23.5%	-33.6%	-36.4%	-38.5%	-43.5%	11.3%	10.8%	10.5%	8.8%	5.3%	4.9%	3.8%	3.8%	3.6%	0.9%	1.0%	0.5%	-3.1%	0.2%	0.15%
ROCE	8.6%	8.6%	11.9%	12.9%	13.6%	15.4%	8.6%	8.2%	7.9%	6.6%	5.0%	4.6%	3.6%	3.6%	4.2%	1.0%	1.2%	0.6%	-0.6%	0.0%	0.00%
Gross Margin	79.5%	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%	51.94%
Operating Margin	37.5%	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%	15.58%
Net Margin	26.4%	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%	11.58%
EBITDA Margin	38.9%	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%	-59.2%	15.6%	15.58%
FCF Margin	1.3%	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%	20.7%	21.3%	21.28%
OCF Margin	1.3%	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%	22.16%
ROE 3Y Avg	snapshot only																				3.42%
ROE 5Y Avg	snapshot only																				7.76%
ROA 3Y Avg	snapshot only																				0.29%
ROIC 3Y Avg	snapshot only																				1.67%
ROIC Economic	snapshot only																				0.12%
Cash ROA	snapshot only																				1.10%
Cash ROIC	snapshot only																				7.77%
CROIC	snapshot only																				7.46%
NOPAT Margin	snapshot only																				0.43%
Pretax Margin	snapshot only																				0.01%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				7.37%
SBC / Revenue	snapshot only																				0.28%

Valuation

Metric	Q2'21	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	Current
P/E Ratio	5.97	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	244.767
P/S Ratio	1.49	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	1.057
P/B Ratio	0.74	0.82	0.78	0.94	0.89	0.88	0.89	0.65	0.58	0.56	0.61	0.50	0.52	0.62	0.58	0.49	0.43	0.45	0.46	0.51	0.558
P/FCF	1.17	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	4.04	4.49	4.488
P/OCF	1.16	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	4.309
EV/EBITDA	1.48	1.88	-3.19	-2.17	-2.31	-2.10	5.83	4.98	4.86	5.71	10.64	10.63	13.61	14.46	14.37	52.14	41.86	73.50	-17.09	548.23	548.230
EV/Revenue	0.53	0.70	-1.33	-1.00	-1.12	-1.08	2.79	2.06	1.70	1.53	2.26	1.98	2.03	2.16	1.93	1.84	1.74	1.84	1.80	1.94	1.940
EV/EBIT	1.51	1.96	-3.34	-2.26	-2.40	-2.14	5.89	5.01	4.84	5.66	10.49	10.45	13.43	14.43	14.51	56.55	45.70	91.05	-16.37	31578.07	31578.072
EV/FCF	0.42	0.51	-3.54	-2.74	-3.00	-2.96	9.21	6.72	6.81	7.23	14.20	17.91	15.48	7.27	5.73	5.59	5.10	11.24	8.69	9.12	9.115
Earnings Yield	16.7%	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%	0.45%
FCF Yield	85.2%	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%	24.8%	22.3%	22.28%
Price/Tangible Book	snapshot only																				0.520
EV/OCF	snapshot only																				8.752
EV/Gross Profit	snapshot only																				4.968
Acquirers Multiple	snapshot only																				31578.072
Shareholder Yield	snapshot only																				7.24%
Graham Number	snapshot only																				$4.00

Leverage & Solvency

Metric	Q2'21	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	Current
Current Ratio	0.16	0.16	0.20	0.20	0.20	0.20	0.12	0.12	0.12	0.12	0.10	0.10	0.10	0.10	0.11	0.11	0.11	0.11	255.40	255.40	255.396
Quick Ratio	0.16	0.16	0.20	0.20	0.20	0.20	0.12	0.12	0.12	0.12	0.10	0.10	0.10	0.10	0.11	0.11	0.11	0.11	255.40	255.40	255.396
Debt/Equity	0.98	0.98	0.44	0.44	0.44	0.44	1.49	1.49	1.49	1.49	1.67	1.67	1.67	1.67	1.58	1.58	1.58	1.58	0.99	0.99	0.988
Net Debt/Equity	-0.47	-0.47	-1.37	-1.37	-1.37	-1.37	0.38	0.38	0.38	0.38	0.78	0.78	0.78	0.78	0.60	0.60	0.60	0.60	0.53	0.53	0.527
Debt/Assets	0.09	0.09	0.04	0.04	0.04	0.04	0.12	0.12	0.12	0.12	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.09	0.09	0.092
Debt/EBITDA	5.48	5.38	2.41	2.24	2.12	1.91	6.80	7.14	7.50	9.02	12.81	13.85	17.47	17.32	19.29	75.63	64.41	110.78	-17.15	521.68	521.684
Net Debt/EBITDA	-2.66	-2.61	-7.44	-6.92	-6.56	-5.90	1.75	1.84	1.93	2.33	5.97	6.46	8.15	8.07	7.29	28.60	24.36	41.90	-9.15	278.30	278.300
Interest Coverage	2.01	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	0.000
Equity Multiplier	11.32	11.32	10.83	10.83	10.83	10.83	12.18	12.18	12.18	12.18	12.20	12.20	12.20	12.20	11.11	11.11	11.11	11.11	10.78	10.78	10.778
Cash Ratio	snapshot only																				12.584
Debt Service Coverage	snapshot only																				0.008
Cash to Debt	snapshot only																				0.467
FCF to Debt	snapshot only																				0.115
Defensive Interval	snapshot only																				16341.7 days

Efficiency & Turnover

Metric	Q2'21	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	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.05	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.047
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	11.64	11.49	10.94	10.67	10.65	11.23	11.75	12.95	14.56	15.85	13.04	13.76	13.62	13.70	12.61	12.26	12.20	11.82	0.12	0.12	0.120
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO (trade)	31	32	33	34	34	33	31	28	25	23	28	27	27	27	29	30	30	31	2983	3049	3049.1 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 (trade)	31	32	33	34	34	33	31	28	25	23	28	27	27	27	29	30	30	31	2983	3049	—
Fixed Asset Turnover	snapshot only																				7.167
Cash Velocity	snapshot only																				1.161
Capital Intensity	snapshot only																				20.143

Growth (YoY)

Metric	Q2'21	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	Current
Revenue	0.4%	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%	-15.00%
Net Income	97.3%	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%	-84.19%
EPS	96.1%	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%	-84.37%
FCF	10.2%	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%	-48.2%	-45.1%	-45.08%
EBITDA	96.4%	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%	-91.5%	-91.48%
Op. Income	94.5%	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%	-99.84%
OCF Growth	snapshot only																				-44.01%
Asset Growth	snapshot only																				-8.88%
Equity Growth	snapshot only																				-6.06%
Debt Growth	snapshot only																				-41.25%
Shares Change	snapshot only																				1.17%
Dividend Growth	snapshot only																				-9.24%

Growth (CAGR)

Metric	Q2'21	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	Current
Revenue 3Y	9.3%	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%	3.56%
Revenue 5Y	9.8%	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%	6.03%
EPS 3Y	34.6%	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%	-74.84%
EPS 5Y	23.7%	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%	-51.29%
Net Income 3Y	38.8%	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%	-74.79%
Net Income 5Y	34.8%	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%	-51.25%
EBITDA 3Y	26.2%	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%	—	-78.8%	-78.83%
EBITDA 5Y	28.3%	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%	—	-56.4%	-56.41%
Gross Profit 3Y	8.7%	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%	-18.35%
Gross Profit 5Y	8.9%	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%	-5.60%
Op. Income 3Y	27.1%	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%	-94.51%
Op. Income 5Y	30.1%	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%	-80.55%
FCF 3Y	1.2%	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%	-5.1%	-8.3%	-8.35%
FCF 5Y	1.5%	—	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%	-24.2%	-25.1%	-25.06%
OCF 3Y	1.2%	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%	-7.47%
OCF 5Y	97.9%	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%	-24.60%
Assets 3Y	13.2%	13.2%	3.5%	3.5%	3.5%	3.5%	6.8%	6.8%	6.8%	6.8%	10.8%	10.8%	10.8%	10.8%	6.6%	6.6%	6.6%	6.6%	-2.6%	-2.6%	-2.57%
Assets 5Y	11.8%	11.8%	11.7%	11.7%	11.7%	11.7%	12.8%	12.8%	12.8%	12.8%	7.5%	7.5%	7.5%	7.5%	4.4%	4.4%	4.4%	4.4%	3.1%	3.1%	3.06%
Equity 3Y	12.2%	12.2%	11.0%	11.0%	11.0%	11.0%	6.7%	6.7%	6.7%	6.7%	8.0%	8.0%	8.0%	8.0%	5.7%	5.7%	5.7%	5.7%	1.5%	1.5%	1.47%
Book Value 3Y	8.8%	9.2%	8.0%	8.3%	9.0%	9.2%	7.3%	7.4%	7.5%	7.2%	8.5%	8.6%	8.6%	8.3%	6.1%	6.2%	6.2%	6.1%	1.5%	1.3%	1.26%
Dividend 3Y	-3.5%	-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%	-3.38%

Growth Quality

Metric	Q2'21	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	Current
Revenue Stability	0.83	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	0.451
Earnings Stability	0.80	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	0.542
Margin Stability	0.91	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	0.631
Rev. Growth Consistency	0.50	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	0.000
Earn. Growth Consistency	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	0.00	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	0.50	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	0.500
Earnings Smoothness	0.35	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	0.000
ROE Trend	0.04	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	-0.09	-0.12	-0.05	-0.048
Gross Margin Trend	0.10	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	-0.021
FCF Margin Trend	1.05	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	-0.01	-0.007
Sustainable Growth Rate	8.4%	8.2%	8.9%	9.9%	10.6%	12.6%	12.2%	11.5%	11.0%	8.6%	6.1%	5.3%	3.3%	3.1%	2.0%	-2.5%	-2.3%	-3.1%	—	-3.4%	-3.36%
Internal Growth Rate	0.7%	0.7%	0.8%	0.9%	1.0%	1.2%	1.1%	1.0%	1.0%	0.8%	0.5%	0.4%	0.3%	0.3%	0.2%	—	—	—	—	—	—

Cash Flow Quality

Metric	Q2'21	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	Current
OCF/Net Income	5.14	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	51.474
FCF/OCF	0.99	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	0.96	0.96	0.960
FCF/Net Income	snapshot only																				49.419
OCF/EBITDA	snapshot only																				62.644
CapEx/Revenue	1.1%	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%	0.9%	0.9%	0.88%
CapEx/Depreciation	snapshot only																				2.544
Accruals Ratio	-0.04	-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	-0.010
Sloan Accruals	snapshot only																				1.591
Cash Flow Adequacy	snapshot only																				2.843
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	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	Current
Dividend Yield	5.6%	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%	4.84%
Dividend/Share	$0.60	$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	$0.48
Payout Ratio	33.5%	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%	16.05%
FCF Payout Ratio	6.6%	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%	36.4%	32.5%	32.47%
Total Payout Ratio	37.7%	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%	16.05%
Div. Increase Streak	0	1	1	1	0	1	1	0	0	0	0	0	0	0	0	1	1	1	1	0	0
Chowder Number	0.04	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	-0.020
Buyback Yield	0.7%	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%	0.00%
Net Buyback Yield	0.4%	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%	-0.58%
Total Shareholder Return	6.0%	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%	6.66%

DuPont Factors

Metric	Q2'21	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	Current
Tax Burden (NI/EBT)	0.71	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	70.100
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	0.35	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	0.000
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.05	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.047
Equity Multiplier	11.72	11.72	11.06	11.06	11.06	11.06	11.52	11.52	11.52	11.52	12.19	12.19	12.19	12.19	11.65	11.65	11.65	11.65	10.95	10.95	10.950

Per Share

Metric	Q2'21	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	Current
EPS (Diluted TTM)	$1.78	$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	$0.04
Book Value/Share	$14.42	$14.47	$15.91	$15.80	$15.74	$15.79	$16.85	$16.93	$17.30	$17.28	$18.60	$18.54	$18.47	$18.40	$19.01	$18.93	$18.86	$18.87	$17.64	$17.57	$17.75
Tangible Book/Share	$14.10	$14.15	$15.60	$15.49	$15.43	$15.48	$16.53	$16.61	$16.98	$16.96	$18.29	$18.23	$18.16	$18.10	$18.70	$18.62	$18.55	$18.57	$17.34	$17.27	$17.27
Revenue/Share	$7.15	$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	$9.40
FCF/Share	$9.07	$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	$2.00	$2.00	$2.00
OCF/Share	$9.15	$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	$2.08
Cash/Share	$20.93	$21.00	$28.89	$28.69	$28.59	$28.67	$18.61	$18.70	$19.12	$19.09	$16.56	$16.50	$16.44	$16.38	$18.66	$18.58	$18.52	$18.53	$8.13	$8.10	$17.04
EBITDA/Share	$2.57	$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	$-1.02	$0.03	$0.03
Debt/Share	$14.09	$14.13	$7.07	$7.02	$6.99	$7.01	$25.08	$25.20	$25.76	$25.73	$31.02	$30.92	$30.80	$30.69	$30.01	$29.89	$29.78	$29.80	$17.42	$17.36	$17.36
Net Debt/Share	$-6.84	$-6.87	$-21.82	$-21.67	$-21.59	$-21.65	$6.47	$6.50	$6.64	$6.63	$14.46	$14.42	$14.36	$14.31	$11.35	$11.30	$11.26	$11.27	$9.29	$9.26	$9.26

Academic Models

Metric	Q2'21	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	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.484
Altman Z-Prime	snapshot only																				5.839
Piotroski F-Score	6	6	7	7	7	7	5	7	6	6	6	5	5	5	5	4	5	5	3	5	5
Beneish M-Score	-2.35	-2.25	-2.89	-2.87	-2.80	-2.65	-1.78	-1.60	-1.54	-1.51	-2.12	-2.02	-2.03	-2.26	-2.51	0.52	-2.56	-2.68	255.16	173.82	173.822
Ohlson O-Score	snapshot only																				-5.647
ROIC (Greenblatt)	snapshot only																				0.00%
Net-Net WC	snapshot only																				$-7.51
EVA	snapshot only																				$-45757500.00

Credit

Metric	Q2'21	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	Current
Credit Rating	snapshot only																				BB
Credit Score	71.27	70.69	66.86	68.37	68.58	77.21	52.44	54.97	52.03	49.94	36.93	36.33	34.73	36.45	43.65	28.43	28.14	25.82	37.33	41.33	41.332
Credit Grade	snapshot only																				12
Credit Trend	snapshot only																				12.900
Implied Spread (bps)	snapshot only																				475.000
Industry Credit Rank	snapshot only																				18
Sector Credit Rank	snapshot only																				28

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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