$141.87

-0.50 (-0.35%)

Weekly Expected Move ±3.0%

$133 $137 $141 $145 $150

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 49 · $1.6B mcap · 10M float · 0.981% daily turnover · Short 83% 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.

NARROW EDGE

56.4 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 10.3% · 5Y Avg: 10.9%

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. BFC has a Narrow competitive edge (56.4/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. ROIC of 10.3% 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

$157

Low

$157

Avg Target

$157

High

Based on 1 analyst since Apr 16, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 1Hold: 2Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$157.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-20	Piper Sandler	—	$150	$157	+7	+11.5%	$140.87
2026-01-26	Piper Sandler	—	$142	$150	+8	+9.2%	$137.32
2025-10-23	Piper Sandler	Nathan Race	$104	$142	+38	+7.8%	$131.70
2025-05-06	Hovde Group	Brendan Nosal	Initiated	$130	—	+14.5%	$113.50
2024-10-17	Piper Sandler	Nathan Rice	$87	$104	+17	+10.6%	$94.07
2024-04-18	Piper Sandler	Nathan Rice	$95	$87	-8	+13.8%	$76.45
2023-01-12	Piper Sandler	—	$84	$95	+11	+9.7%	$86.63
2022-04-21	Piper Sandler	—	Initiated	$84	—	+14.1%	$73.60
2022-04-21	National Bank	Brendan Nosal	Initiated	$84	—	+14.1%	$73.60

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+

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. BFC receives an overall rating of B+. Strongest factors: DCF (4/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-18	B	B+
2026-05-04	B+	B
2026-04-27	B	B+
2026-04-21	B+	B
2026-04-01	B	B+
2026-03-10	B+	B
2026-03-09	A-	B+
2026-03-06	B+	A-
2026-03-05	A-	B+
2026-02-06	B+	A-

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.

★ ★ ★ ★ ★ 40 Grade A

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. BFC scores highest in Earnings Quality (81/100) and lowest in Cash Flow (32/100). An overall grade of A places BFC among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman-B Score

3.10

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.20

Unlikely Manipulator

Ohlson O-Score

-5.24

Bankruptcy prob: 0.5%

Low Risk

Credit Rating

AA-

Score: 84.8/100

Trend: Deteriorating

Earnings Quality

50/100

OCF/NI: 0.61x

Accruals: 0.6%

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. BFC scores 3.10, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. 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. BFC scores 7/9, signaling strong financial health across all three dimensions. 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. BFC's score of -2.20 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. BFC's implied 0.5% 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. BFC receives an estimated rating of AA- (score: 84.8/100), with a deteriorating 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). BFC's score of 50/100 is moderate — some divergence between reported earnings and underlying cash flows.

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

21.72x

PEG

3.89x

P/S

5.99x

P/B

1.94x

P/FCF

50.27x

P/OCF

33.91x

EV/EBITDA

16.76x

EV/Revenue

5.99x

EV/EBIT

17.45x

EV/FCF

52.53x

Earnings Yield

4.84%

FCF Yield

1.99%

Shareholder Yield

4.78%

Graham Number

$91.84

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 21.7x earnings, BFC commands a growth premium. Graham's intrinsic value formula yields $91.84 per share, 54% 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

0.807

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.343

EBIT / Rev

Asset Turnover

0.059

Rev / Assets

Equity Multiplier

7.025

Assets / Equity

ROE

11.4%

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. BFC's ROE of 11.4% is driven by financial leverage (equity multiplier: 7.02x). 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.

Adj. Growth Rate

11.63%

Fair P/E

31.77x

Intrinsic Value

$207.46

Price/Value

0.65x

Margin of Safety

34.90%

Premium

-34.90%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with BFC's realized 11.6% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $207.46, BFC appears undervalued with a 35% margin of safety. The adjusted fair P/E of 31.8x compares to the current market P/E of 21.7x.

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

$141.87

Median 1Y

$154.61

5th Pctile

$90.56

95th Pctile

$266.88

Ann. Volatility

33.5%

Analyst Target

$157.00

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 B. Molepske Chief Executive Officer (Director)	$805,838	$463,787	$1,800,787
Timothy J. McFarlane President (Director)	$503,263	$289,907	$1,125,963
Kevin M. LeMahieu Chief Financial Officer	$521,788	$240,317	$1,053,865
Jason V. Krepline Chief Lending Officer	$310,825	$143,364	$640,282
Kelly M. Dvorak Chief Legal Counsel	$308,750	$106,808	$545,269

CEO Pay Ratio

12:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,800,787

Avg Employee Cost (SGA/emp): $147,100

Employees: 380

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

380

+3.8% YoY

Revenue / Employee

$632,753

Rev: $240,446,000

Profit / Employee

$188,147

NI: $71,496,000

SGA / Employee

$147,100

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	17.3%	17.4%	14.7%	14.3%	14.3%	14.1%	11.7%	11.8%	12.4%	13.5%	13.9%	14.8%	15.1%	15.5%	10.4%	10.9%	11.0%	11.2%	11.1%	11.4%	11.41%
ROA	1.8%	1.9%	1.6%	1.6%	1.6%	1.5%	1.4%	1.4%	1.5%	1.6%	1.9%	2.0%	2.1%	2.1%	1.5%	1.6%	1.6%	1.6%	1.6%	1.6%	1.62%
ROIC	1.2%	1.2%	-37.8%	-36.7%	-36.8%	-36.2%	29.9%	30.2%	31.8%	34.7%	21.9%	23.3%	23.9%	24.4%	17.6%	18.3%	18.6%	19.0%	10.0%	10.3%	10.29%
ROCE	16.8%	16.9%	16.3%	15.9%	15.9%	15.6%	11.9%	12.0%	12.7%	13.8%	13.9%	14.3%	14.4%	14.5%	9.5%	10.1%	10.2%	10.4%	2.0%	2.0%	2.02%
Gross Margin	89.3%	90.8%	91.8%	88.8%	90.5%	91.1%	85.4%	71.3%	75.9%	74.5%	62.1%	69.4%	69.9%	68.6%	70.5%	68.7%	69.1%	70.3%	73.2%	75.8%	75.81%
Operating Margin	52.0%	52.2%	50.0%	48.7%	51.1%	40.6%	43.6%	31.8%	39.1%	38.9%	1.1%	32.7%	36.5%	35.7%	37.3%	36.6%	35.3%	37.4%	37.3%	29.3%	29.29%
Net Margin	39.5%	39.5%	38.0%	36.5%	38.9%	30.6%	33.4%	23.9%	29.3%	29.2%	81.4%	29.2%	29.6%	28.6%	30.0%	30.2%	28.8%	29.9%	30.0%	23.7%	23.71%
EBITDA Margin	54.9%	54.8%	52.6%	51.2%	53.4%	44.0%	47.3%	36.1%	43.7%	42.8%	1.1%	36.6%	40.3%	39.2%	40.9%	39.7%	38.5%	40.5%	37.3%	29.3%	29.29%
FCF Margin	24.7%	33.7%	27.0%	24.5%	25.8%	20.1%	25.3%	22.4%	20.2%	21.9%	21.2%	19.9%	22.6%	23.8%	26.3%	26.9%	24.1%	22.0%	21.2%	11.4%	11.40%
OCF Margin	30.2%	38.4%	34.5%	31.9%	33.5%	29.3%	30.6%	28.2%	27.2%	28.9%	28.4%	25.8%	27.0%	26.6%	29.5%	30.6%	28.7%	27.1%	26.0%	16.9%	16.90%
ROE 3Y Avg	snapshot only																				11.62%
ROE 5Y Avg	snapshot only																				11.72%
ROA 3Y Avg	snapshot only																				1.67%
ROIC 3Y Avg	snapshot only																				9.27%
ROIC Economic	snapshot only																				9.61%
Cash ROA	snapshot only																				0.99%
Cash ROIC	snapshot only																				6.27%
CROIC	snapshot only																				4.23%
NOPAT Margin	snapshot only																				27.71%
Pretax Margin	snapshot only																				34.33%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				25.94%
SBC / Revenue	snapshot only																				0.82%

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	10.67	10.79	11.13	11.36	11.83	13.39	17.15	14.61	16.71	14.26	11.33	10.53	9.69	10.45	14.51	14.14	16.77	16.89	16.76	20.68	21.724
P/S Ratio	4.00	4.10	4.33	4.36	4.52	4.79	5.93	4.53	4.85	4.11	4.53	4.29	3.92	4.17	4.26	4.19	4.94	5.02	4.98	5.73	5.992
P/B Ratio	1.65	1.68	1.57	1.55	1.62	1.81	1.71	1.47	1.78	1.65	1.36	1.35	1.27	1.40	1.49	1.51	1.81	1.86	1.86	2.35	1.941
P/FCF	16.18	12.19	16.02	17.80	17.51	23.82	23.40	20.19	24.09	18.80	21.39	21.62	17.36	17.57	16.22	15.58	20.51	22.88	23.47	50.27	50.268
P/OCF	13.27	10.68	12.55	13.68	13.51	16.37	19.38	16.04	17.85	14.21	15.94	16.64	14.56	15.66	14.44	13.68	17.17	18.56	19.17	33.91	33.914
EV/EBITDA	3.57	3.68	0.99	0.95	1.31	2.30	7.45	5.59	7.14	5.79	5.26	5.02	4.56	5.23	7.80	7.58	9.60	9.78	13.50	16.76	16.761
EV/Revenue	1.88	1.96	0.54	0.51	0.69	1.15	3.62	2.48	3.04	2.45	3.02	2.85	2.53	2.82	3.06	3.03	3.80	3.90	5.27	5.99	5.990
EV/EBIT	3.77	3.89	1.05	1.00	1.37	2.43	7.94	6.07	7.88	6.42	5.71	5.45	4.93	5.65	8.61	8.30	10.48	10.64	14.36	17.45	17.445
EV/FCF	7.59	5.83	1.99	2.06	2.69	5.72	14.30	11.07	15.06	11.22	14.28	14.36	11.18	11.88	11.67	11.28	15.79	17.76	24.81	52.53	52.531
Earnings Yield	9.4%	9.3%	9.0%	8.8%	8.5%	7.5%	5.8%	6.8%	6.0%	7.0%	8.8%	9.5%	10.3%	9.6%	6.9%	7.1%	6.0%	5.9%	6.0%	4.8%	4.84%
FCF Yield	6.2%	8.2%	6.2%	5.6%	5.7%	4.2%	4.3%	5.0%	4.2%	5.3%	4.7%	4.6%	5.8%	5.7%	6.2%	6.4%	4.9%	4.4%	4.3%	2.0%	1.99%
PEG Ratio	snapshot only																				3.893
Price/Tangible Book	snapshot only																				3.347
EV/OCF	snapshot only																				35.441
EV/Gross Profit	snapshot only																				8.266
Acquirers Multiple	snapshot only																				17.445
Shareholder Yield	snapshot only																				4.78%
Graham Number	snapshot only																				$91.84

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	0.14	0.14	0.20	0.20	0.20	0.20	0.13	0.13	0.13	0.13	0.12	0.12	0.12	0.12	0.11	0.11	0.11	0.11	1.84	1.84	1.839
Quick Ratio	0.14	0.14	0.20	0.20	0.20	0.20	0.13	0.13	0.13	0.13	0.12	0.12	0.12	0.12	0.11	0.11	0.11	0.11	1.84	1.84	1.839
Debt/Equity	0.26	0.26	0.21	0.21	0.21	0.21	0.27	0.27	0.27	0.27	0.21	0.21	0.21	0.21	0.23	0.23	0.23	0.23	0.19	0.19	0.192
Net Debt/Equity	-0.87	-0.87	-1.37	-1.37	-1.37	-1.37	-0.67	-0.67	-0.67	-0.67	-0.45	-0.45	-0.45	-0.45	-0.42	-0.42	-0.42	-0.42	0.11	0.11	0.106
Debt/Assets	0.03	0.03	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.027
Debt/EBITDA	1.21	1.20	1.06	1.09	1.09	1.09	1.93	1.87	1.74	1.59	1.19	1.15	1.14	1.13	1.68	1.59	1.58	1.56	1.32	1.31	1.308
Net Debt/EBITDA	-4.04	-4.02	-7.01	-7.21	-7.22	-7.28	-4.74	-4.61	-4.28	-3.91	-2.61	-2.54	-2.52	-2.50	-3.04	-2.89	-2.87	-2.82	0.73	0.72	0.722
Interest Coverage	5.96	6.68	7.22	7.39	7.27	6.31	4.79	3.14	2.24	1.81	2.02	1.81	1.69	1.57	1.16	1.19	1.17	1.21	1.26	1.26	1.261
Equity Multiplier	9.22	9.22	9.10	9.10	9.10	9.10	8.08	8.08	8.08	8.08	6.81	6.81	6.81	6.81	7.03	7.03	7.03	7.03	7.02	7.02	7.022
Cash Ratio	snapshot only																				1.839
Debt Service Coverage	snapshot only																				1.313
Cash to Debt	snapshot only																				0.448
FCF to Debt	snapshot only																				0.244
Defensive Interval	snapshot only																				200.5 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	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.059
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Fixed Asset Turnover	snapshot only																				3.336
Cash Velocity	snapshot only																				4.775
Capital Intensity	snapshot only																				17.107

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	12.2%	9.5%	-0.2%	-5.9%	-4.7%	1.0%	12.0%	28.3%	43.3%	49.6%	42.6%	31.8%	20.9%	14.1%	19.7%	18.8%	17.3%	14.3%	7.7%	14.4%	14.41%
Net Income	53.5%	34.8%	19.4%	4.3%	-2.9%	-5.0%	-0.5%	3.6%	9.0%	20.5%	64.8%	73.4%	68.4%	58.1%	-12.0%	-13.7%	-14.7%	-14.8%	9.0%	7.1%	7.09%
EPS	48.2%	36.0%	20.3%	5.9%	-0.4%	-11.9%	-15.6%	-19.6%	-21.3%	-4.0%	43.4%	65.9%	73.8%	63.1%	-9.1%	-11.9%	-13.7%	-13.3%	11.0%	-4.8%	-4.78%
FCF	-3.1%	50.8%	-11.3%	-36.6%	-0.5%	-39.7%	5.0%	17.5%	11.8%	62.6%	19.1%	16.7%	35.6%	24.0%	48.6%	60.8%	24.8%	5.6%	-12.9%	-51.5%	-51.46%
EBITDA	56.7%	36.6%	19.0%	3.1%	-4.0%	-5.2%	0.7%	6.7%	15.0%	26.6%	68.5%	68.5%	57.5%	45.4%	-18.2%	-16.2%	-16.2%	-15.5%	6.9%	2.2%	2.21%
Op. Income	59.8%	38.4%	20.2%	3.8%	-3.3%	-5.4%	-0.6%	3.3%	9.2%	20.8%	65.7%	68.9%	60.9%	49.2%	-19.5%	-17.1%	-17.0%	-16.1%	10.9%	7.5%	7.50%
OCF Growth	snapshot only																				-36.81%
Asset Growth	snapshot only																				0.58%
Equity Growth	snapshot only																				0.65%
Debt Growth	snapshot only																				-16.16%
Shares Change	snapshot only																				12.47%
Dividend Growth	snapshot only																				2.25%

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	17.4%	13.8%	11.4%	10.4%	10.4%	9.5%	10.4%	13.9%	15.3%	18.3%	16.8%	16.7%	18.2%	19.9%	24.1%	26.2%	26.7%	25.0%	22.5%	21.4%	21.44%
Revenue 5Y	22.1%	21.2%	19.7%	19.1%	18.7%	18.8%	17.6%	17.2%	17.2%	17.4%	17.1%	17.9%	18.5%	17.5%	18.1%	18.3%	16.8%	16.6%	15.5%	16.7%	16.67%
EPS 3Y	24.4%	20.8%	15.7%	15.4%	17.0%	14.1%	10.3%	6.9%	5.1%	4.8%	13.3%	12.2%	10.9%	11.3%	3.2%	5.5%	5.7%	10.7%	13.1%	11.6%	11.63%
EPS 5Y	20.9%	20.8%	19.9%	19.2%	18.7%	15.8%	17.1%	11.4%	8.6%	8.3%	13.3%	15.4%	17.0%	18.4%	11.8%	12.3%	11.8%	10.2%	8.0%	3.5%	3.46%
Net Income 3Y	30.3%	26.4%	21.3%	20.9%	21.6%	19.8%	19.2%	18.6%	17.5%	15.6%	25.1%	23.3%	21.2%	21.9%	13.0%	15.7%	16.1%	17.5%	16.5%	17.0%	17.02%
Net Income 5Y	26.3%	25.9%	25.0%	24.0%	23.3%	22.8%	24.2%	20.0%	18.6%	18.3%	24.0%	26.0%	27.0%	26.8%	19.7%	20.1%	18.5%	15.8%	13.4%	11.6%	11.61%
EBITDA 3Y	28.1%	25.2%	23.0%	22.8%	23.0%	21.4%	20.2%	20.7%	20.0%	17.9%	26.4%	22.8%	20.2%	20.4%	11.6%	14.6%	14.9%	15.9%	13.8%	13.0%	12.99%
EBITDA 5Y	12.3%	12.5%	12.1%	28.1%	—	62.3%	39.3%	24.5%	18.3%	18.7%	25.9%	27.2%	27.5%	26.9%	19.1%	20.0%	17.9%	15.0%	12.1%	9.7%	9.68%
Gross Profit 3Y	19.7%	17.4%	16.4%	16.2%	16.8%	16.9%	17.1%	18.2%	17.6%	16.8%	11.4%	9.9%	9.3%	9.5%	13.8%	15.6%	15.9%	14.5%	13.4%	15.8%	15.84%
Gross Profit 5Y	18.9%	18.4%	17.3%	16.6%	16.3%	17.5%	16.9%	16.2%	16.4%	16.0%	14.7%	15.8%	16.1%	15.4%	16.5%	16.5%	14.9%	13.7%	12.0%	13.1%	13.06%
Op. Income 3Y	27.9%	25.5%	23.2%	23.0%	23.3%	21.6%	20.3%	20.4%	19.0%	16.5%	25.6%	21.9%	19.3%	19.5%	9.9%	13.1%	13.4%	14.8%	13.9%	14.6%	14.61%
Op. Income 5Y	24.7%	24.2%	11.5%	15.1%	19.8%	19.5%	19.6%	16.9%	17.2%	17.7%	25.2%	26.5%	26.9%	26.5%	18.3%	19.6%	17.6%	14.6%	12.1%	10.0%	10.04%
FCF 3Y	33.5%	34.1%	27.8%	15.6%	23.4%	14.3%	29.2%	33.6%	2.5%	14.0%	3.5%	-4.5%	14.7%	6.8%	22.9%	30.2%	23.7%	28.7%	15.5%	-3.0%	-3.05%
FCF 5Y	23.3%	33.6%	24.8%	20.0%	19.6%	18.0%	10.4%	23.7%	21.5%	18.8%	21.1%	16.2%	23.3%	24.7%	30.7%	34.9%	12.8%	14.2%	7.5%	-7.5%	-7.45%
OCF 3Y	21.0%	24.2%	20.4%	19.3%	23.2%	17.4%	20.9%	23.8%	4.6%	13.7%	6.4%	-1.3%	13.9%	6.1%	17.8%	24.5%	20.4%	21.8%	16.0%	2.4%	2.37%
OCF 5Y	22.0%	29.7%	25.3%	22.1%	22.6%	22.5%	11.4%	16.1%	16.9%	16.9%	18.1%	18.4%	21.2%	20.2%	23.8%	26.4%	11.4%	12.4%	7.3%	-3.1%	-3.07%
Assets 3Y	15.7%	15.7%	17.9%	17.9%	17.9%	17.9%	18.3%	18.3%	18.3%	18.3%	15.8%	15.8%	15.8%	15.8%	15.2%	15.2%	15.2%	15.2%	7.3%	7.3%	7.29%
Assets 5Y	17.0%	17.0%	17.4%	17.4%	17.4%	17.4%	15.9%	15.9%	15.9%	15.9%	18.7%	18.7%	18.7%	18.7%	15.3%	15.3%	15.3%	15.3%	10.7%	10.7%	10.71%
Equity 3Y	22.2%	22.2%	22.8%	22.8%	22.8%	22.8%	25.3%	25.3%	25.3%	25.3%	28.1%	28.1%	28.1%	28.1%	25.6%	25.6%	25.6%	25.6%	12.4%	12.4%	12.42%
Book Value 3Y	16.6%	16.8%	17.1%	17.2%	18.1%	16.9%	16.0%	12.9%	12.1%	13.6%	16.0%	16.6%	17.2%	17.0%	14.7%	14.5%	14.4%	18.4%	9.1%	7.3%	7.25%
Dividend 3Y	-1.4%	8.5%	7.2%	6.5%	6.9%	-10.3%	-10.8%	-10.0%	-5.9%	4.5%	4.3%	3.5%	-0.3%	-0.9%	-0.3%	-1.0%	43.6%	45.8%	45.6%	41.3%	41.27%

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	0.99	0.99	0.96	0.92	0.90	0.93	0.94	0.92	0.85	0.81	0.82	0.85	0.88	0.87	0.87	0.90	0.89	0.91	0.91	0.95	0.950
Earnings Stability	0.88	0.93	0.95	0.94	0.92	0.94	0.94	0.92	0.91	0.93	0.85	0.82	0.82	0.84	0.84	0.80	0.77	0.78	0.77	0.71	0.707
Margin Stability	0.88	0.88	0.88	0.88	0.88	0.90	0.92	0.93	0.93	0.93	0.91	0.91	0.89	0.88	0.87	0.89	0.88	0.88	0.89	0.90	0.903
Rev. Growth Consistency	1.00	1.00	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	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.500
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	0.86	0.92	0.98	0.99	0.98	1.00	0.99	0.96	0.92	0.50	0.50	0.50	0.50	0.95	0.95	0.94	0.94	0.96	0.97	0.972
Earnings Smoothness	0.58	0.70	0.82	0.96	0.97	0.95	0.99	0.96	0.91	0.81	0.51	0.46	0.49	0.55	0.87	0.85	0.84	0.84	0.91	0.93	0.931
ROE Trend	0.02	0.01	0.02	0.01	-0.00	-0.02	-0.04	-0.04	-0.04	-0.03	-0.00	0.01	0.01	0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.004
Gross Margin Trend	0.12	0.12	0.12	0.10	0.09	0.07	0.03	-0.04	-0.09	-0.13	-0.18	-0.16	-0.16	-0.16	-0.10	-0.08	-0.05	-0.02	-0.00	0.02	0.024
FCF Margin Trend	0.01	0.13	0.04	-0.01	-0.01	-0.09	-0.03	-0.08	-0.05	-0.05	-0.05	-0.04	-0.00	0.03	0.03	0.06	0.03	-0.01	-0.02	-0.12	-0.120
Sustainable Growth Rate	14.9%	14.1%	11.9%	11.4%	11.5%	11.8%	9.6%	9.5%	9.8%	10.7%	11.7%	12.4%	12.7%	12.8%	7.9%	8.2%	2.7%	2.9%	3.0%	3.1%	3.06%
Internal Growth Rate	1.6%	1.5%	1.3%	1.3%	1.3%	1.3%	1.1%	1.1%	1.2%	1.3%	1.6%	1.7%	1.8%	1.8%	1.2%	1.2%	0.4%	0.4%	0.4%	0.4%	0.44%

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	0.80	1.01	0.89	0.83	0.88	0.82	0.88	0.91	0.94	1.00	0.71	0.63	0.67	0.67	1.00	1.03	0.98	0.91	0.87	0.61	0.610
FCF/OCF	0.82	0.88	0.78	0.77	0.77	0.69	0.83	0.79	0.74	0.76	0.75	0.77	0.84	0.89	0.89	0.88	0.84	0.81	0.82	0.67	0.675
FCF/Net Income	snapshot only																				0.411
OCF/EBITDA	snapshot only																				0.473
CapEx/Revenue	5.4%	4.8%	7.5%	7.4%	7.6%	9.2%	5.3%	5.8%	7.0%	7.1%	7.2%	5.9%	4.3%	2.9%	3.2%	3.7%	4.7%	5.1%	4.8%	5.5%	5.50%
CapEx/Depreciation	snapshot only																				3.922
Accruals Ratio	0.00	-0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.00	0.01	0.01	0.01	0.01	-0.00	-0.00	0.00	0.00	0.00	0.01	0.006
Sloan Accruals	snapshot only																				0.725
Cash Flow Adequacy	snapshot only																				0.655
Earnings Quality Score	snapshot only																				0.500

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	1.3%	1.8%	1.7%	1.8%	1.7%	1.2%	1.0%	1.3%	1.3%	1.5%	1.4%	1.5%	1.7%	1.6%	1.6%	1.7%	4.5%	4.4%	4.4%	3.5%	3.77%
Dividend/Share	$0.84	$1.14	$1.15	$1.16	$1.18	$0.88	$0.87	$0.90	$0.99	$1.07	$1.16	$1.27	$1.32	$1.42	$1.55	$1.66	$5.27	$5.34	$5.34	$4.78	$5.35
Payout Ratio	14.1%	18.9%	19.2%	19.9%	19.9%	16.6%	17.3%	19.2%	21.3%	21.2%	16.0%	16.3%	16.4%	17.1%	23.7%	24.1%	75.4%	74.4%	73.4%	73.2%	73.21%
FCF Payout Ratio	21.3%	21.4%	27.7%	31.2%	29.5%	29.6%	23.6%	26.5%	30.7%	27.9%	30.3%	33.4%	29.3%	28.8%	26.5%	26.6%	92.1%	1.0%	1.0%	1.8%	1.78%
Total Payout Ratio	24.3%	36.0%	37.4%	49.1%	58.9%	53.5%	49.0%	54.2%	42.3%	38.5%	29.5%	48.6%	56.0%	56.8%	72.4%	47.6%	1.1%	1.1%	1.0%	98.8%	98.79%
Div. Increase Streak	1	1	1	1	1	0	0	0	1	0	0	0	1	1	1	1	1	1	1	1	1
Chowder Number	0.12	0.48	0.44	0.40	0.39	-0.15	-0.09	0.01	0.18	0.55	0.54	0.49	0.31	0.29	0.32	0.30	2.97	2.74	2.42	2.28	2.283
Buyback Yield	1.0%	1.6%	1.6%	2.6%	3.3%	2.8%	1.8%	2.4%	1.3%	1.2%	1.2%	3.1%	4.1%	3.8%	3.4%	1.7%	2.0%	1.8%	1.8%	1.2%	1.24%
Net Buyback Yield	0.9%	1.6%	1.6%	2.5%	3.3%	2.7%	1.8%	2.4%	1.2%	1.2%	1.2%	3.0%	4.1%	3.8%	3.3%	1.6%	2.0%	1.8%	1.8%	1.2%	1.19%
Total Shareholder Return	2.3%	3.3%	3.3%	4.3%	5.0%	4.0%	2.8%	3.7%	2.5%	2.7%	2.6%	4.6%	5.8%	5.4%	5.0%	3.3%	6.5%	6.2%	6.2%	4.7%	4.73%

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)	0.75	0.75	0.76	0.76	0.76	0.76	0.76	0.76	0.75	0.75	0.75	0.78	0.79	0.80	0.82	0.81	0.81	0.81	0.81	0.81	0.807
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	0.50	0.51	0.51	0.51	0.51	0.47	0.46	0.41	0.38	0.38	0.53	0.52	0.51	0.50	0.36	0.37	0.36	0.37	0.37	0.34	0.343
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.059
Equity Multiplier	9.39	9.39	9.16	9.16	9.16	9.16	8.51	8.51	8.51	8.51	7.35	7.35	7.35	7.35	6.92	6.92	6.92	6.92	7.02	7.02	7.025

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)	$5.94	$6.01	$5.96	$5.84	$5.92	$5.29	$5.03	$4.69	$4.66	$5.08	$7.21	$7.79	$8.10	$8.28	$6.55	$6.86	$6.99	$7.18	$7.27	$6.53	$6.53
Book Value/Share	$38.45	$38.67	$42.32	$42.68	$43.18	$39.21	$50.38	$46.53	$43.79	$43.86	$59.95	$60.90	$61.82	$61.91	$63.89	$64.15	$64.61	$65.05	$65.47	$57.41	$73.10
Tangible Book/Share	$30.02	$30.19	$33.87	$34.16	$34.56	$31.39	$35.19	$32.50	$30.59	$30.63	$39.08	$39.70	$40.30	$40.35	$42.95	$43.12	$43.43	$43.73	$46.01	$40.35	$40.35
Revenue/Share	$15.83	$15.80	$15.32	$15.21	$15.49	$14.79	$14.54	$15.15	$16.03	$17.62	$18.04	$19.11	$20.00	$20.75	$22.30	$23.16	$23.75	$24.14	$24.45	$23.56	$23.56
FCF/Share	$3.92	$5.32	$4.14	$3.72	$4.00	$2.97	$3.68	$3.40	$3.23	$3.85	$3.82	$3.79	$4.52	$4.93	$5.86	$6.23	$5.72	$5.30	$5.19	$2.69	$2.69
OCF/Share	$4.77	$6.07	$5.28	$4.85	$5.18	$4.33	$4.45	$4.28	$4.36	$5.10	$5.12	$4.93	$5.39	$5.53	$6.58	$7.09	$6.83	$6.54	$6.35	$3.98	$3.98
Cash/Share	$43.72	$43.97	$66.83	$67.41	$68.19	$61.93	$47.19	$43.58	$41.01	$41.08	$39.41	$40.03	$40.64	$40.69	$41.38	$41.55	$41.84	$42.13	$5.63	$4.93	$35.54
EBITDA/Share	$8.33	$8.42	$8.28	$8.12	$8.21	$7.40	$7.07	$6.72	$6.82	$7.46	$10.37	$10.84	$11.08	$11.20	$8.76	$9.27	$9.40	$9.63	$9.53	$8.42	$8.42
Debt/Share	$10.09	$10.14	$8.74	$8.81	$8.92	$8.10	$13.63	$12.59	$11.85	$11.87	$12.30	$12.49	$12.68	$12.70	$14.72	$14.78	$14.88	$14.99	$12.56	$11.02	$11.02
Net Debt/Share	$-33.63	$-33.83	$-58.09	$-58.59	$-59.27	$-53.83	$-33.55	$-30.99	$-29.16	$-29.21	$-27.11	$-27.54	$-27.96	$-28.00	$-26.66	$-26.77	$-26.96	$-27.14	$6.94	$6.08	$6.08

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.101
Altman Z-Prime	snapshot only																				0.882
Piotroski F-Score	7	8	7	6	6	5	3	4	4	6	5	5	6	6	7	6	5	6	8	7	7
Beneish M-Score	-2.52	-2.50	-2.61	-2.53	-2.45	-2.32	-2.05	-1.66	-1.69	-1.77	-1.98	-2.22	-2.23	-2.20	-2.45	-2.31	-2.38	-2.44	-2.54	-2.20	-2.196
Ohlson O-Score	snapshot only																				-5.241
ROIC (Greenblatt)	snapshot only																				86.86%
Net-Net WC	snapshot only																				$-340.78
EVA	snapshot only																				$2038700.00

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																				AA-
Credit Score	86.16	89.29	84.76	84.42	84.58	84.59	72.62	72.64	74.26	87.37	87.49	86.98	88.73	88.70	86.01	86.07	85.83	85.58	86.78	84.79	84.788
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				-1.283
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				88
Sector Credit Rank	snapshot only																				78

BFC 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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