$34.67

-0.09 (-0.26%)

Weekly Expected Move ±2.8%

$32 $33 $34 $34 $35

AMEX · Financial Services · Banks - Regional · Alpha Radar Buy · Power 60 · $580.4M mcap · 16M float · 0.816% daily turnover · Short 45% 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.

WEAK EDGE

42.8 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 20.2% · 5Y Avg: 36.4%

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. BHB shows a Weak competitive edge (42.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Efficient Scale. ROIC of 20.2% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

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

$36

Avg Target

$36

High

Based on 2 analyst ratings (12 mo)

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$36.50

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-01-23	Piper Sandler	—	$35	$38	+3	+10.1%	$34.52
2025-08-05	Piper Sandler	Mark Fitzgibbon	Initiated	$35	—	+15.3%	$30.36

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

Rating Change History

Date	From	To
2026-04-30	B+	B
2026-04-23	B	B+
2026-04-22	B+	B
2026-04-16	A-	B+
2026-04-15	B+	A-
2026-04-13	A-	B+
2026-04-10	B+	A-
2026-04-01	B	B+
2026-02-02	B-	B
2026-01-27	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.

★ ★ ★ ★ ★ 41 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. BHB scores highest in Earnings Quality (89/100) and lowest in Growth (39/100). An overall grade of A places BHB 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

2.77

Grey Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✓ ✗ ✗ ✗ ✓

Beneish M-Score

-2.60

Unlikely Manipulator

Ohlson O-Score

-3.58

Bankruptcy prob: 2.7%

Low Risk

Credit Rating

BBB-

Score: 53.7/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.09x

Accruals: -0.1%

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. BHB scores 2.77, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. 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. BHB 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. BHB's score of -2.60 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. BHB's implied 2.7% 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. BHB receives an estimated rating of BBB- (score: 53.7/100), 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). BHB'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

14.41x

PEG

-1.03x

P/S

2.39x

P/B

1.08x

P/FCF

16.14x

P/OCF

12.40x

EV/EBITDA

3.74x

EV/Revenue

0.71x

EV/EBIT

4.27x

EV/FCF

5.11x

Earnings Yield

7.38%

FCF Yield

6.20%

Shareholder Yield

3.89%

Graham Number

$41.32

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 14.4x earnings, BHB trades at a reasonable valuation. An earnings yield of 7.4% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $41.32 per share, suggesting a potential 19% margin of safety at 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

0.799

NI / EBT

Interest Burden

1.247

EBT / EBIT

EBIT Margin

0.166

EBIT / Rev

Asset Turnover

0.055

Rev / Assets

Equity Multiplier

8.847

Assets / Equity

ROE

8.1%

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. BHB's ROE of 8.1% is driven by financial leverage (equity multiplier: 8.85x). 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

0.00%

Fair P/E

8.50x

Intrinsic Value

$20.36

Price/Value

1.59x

Margin of Safety

-59.40%

Premium

59.40%

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 BHB's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. BHB trades at a 59% premium to its adjusted intrinsic value of $20.36, 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 14.4x.

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

$34.67

Median 1Y

$34.49

5th Pctile

$17.49

95th Pctile

$67.90

Ann. Volatility

41.2%

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
Curtis C. Simard President & CEO	$760,000	$494,000	$1,925,946
Josephine Iannelli EVP, CFO and Treasurer	$487,000	$194,800	$1,013,430
John M. Mercier EVP, Chief Lending Officer	$361,000	$126,350	$749,399
Marion Colombo EVP, Chief Retail Officer	$361,000	$126,350	$711,185
Jason Edgar President, Wealth	$358,000	$125,300	$694,661

CEO Pay Ratio

14:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,925,946

Avg Employee Cost (SGA/emp): $140,270

Employees: 530

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

530

+15.7% YoY

Revenue / Employee

$459,130

Rev: $243,339,000

Profit / Employee

$69,658

NI: $36,919,000

SGA / Employee

$140,270

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	8.8%	9.5%	9.4%	9.3%	9.7%	9.8%	10.7%	11.6%	11.7%	11.6%	10.9%	10.2%	10.0%	10.3%	9.8%	9.8%	8.9%	8.1%	7.5%	8.1%	8.12%
ROA	1.0%	1.0%	1.1%	1.0%	1.1%	1.1%	1.1%	1.2%	1.3%	1.2%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.0%	0.9%	0.8%	0.9%	0.92%
ROIC	-55.8%	-59.9%	-14.8%	-14.6%	-15.2%	-15.3%	32.1%	34.9%	35.1%	34.9%	43.1%	40.3%	39.8%	40.8%	27.8%	27.9%	25.2%	23.1%	23.3%	20.2%	20.19%
ROCE	1.2%	1.3%	8.6%	8.5%	8.9%	9.0%	10.3%	11.2%	11.3%	11.3%	9.7%	9.0%	8.9%	8.8%	9.3%	9.3%	8.4%	7.9%	6.4%	5.6%	5.55%
Gross Margin	90.0%	92.2%	92.5%	91.9%	92.6%	89.3%	83.5%	79.7%	71.3%	69.1%	67.8%	66.8%	65.1%	65.9%	68.3%	67.0%	63.8%	65.6%	72.3%	66.7%	66.74%
Operating Margin	30.8%	34.1%	31.7%	31.7%	35.1%	34.3%	34.2%	33.5%	26.3%	26.6%	23.0%	23.3%	22.7%	23.4%	24.3%	22.7%	14.0%	16.6%	22.4%	12.2%	12.20%
Net Margin	24.6%	27.4%	25.9%	25.4%	27.8%	27.3%	27.0%	26.3%	20.8%	20.7%	18.2%	18.6%	18.2%	20.9%	19.7%	18.3%	11.4%	13.3%	17.4%	24.5%	24.50%
EBITDA Margin	36.1%	38.2%	35.3%	36.1%	39.3%	38.1%	35.0%	36.7%	29.4%	29.5%	25.9%	25.8%	25.6%	26.1%	22.2%	25.6%	14.3%	19.9%	24.9%	15.3%	15.30%
FCF Margin	18.3%	20.8%	38.4%	39.3%	42.5%	43.4%	33.2%	36.6%	24.4%	21.8%	21.6%	17.2%	20.7%	26.3%	23.7%	23.5%	24.3%	16.8%	15.8%	13.9%	13.92%
OCF Margin	21.7%	23.0%	39.5%	40.2%	43.7%	44.9%	34.7%	38.3%	26.3%	23.9%	24.5%	19.9%	25.0%	27.4%	24.1%	24.3%	23.8%	19.2%	19.8%	18.1%	18.11%
ROE 3Y Avg	snapshot only																				8.93%
ROE 5Y Avg	snapshot only																				9.61%
ROA 3Y Avg	snapshot only																				0.99%
ROIC 3Y Avg	snapshot only																				26.51%
ROIC Economic	snapshot only																				4.05%
Cash ROA	snapshot only																				0.94%
Cash ROIC	snapshot only																				27.52%
CROIC	snapshot only																				21.14%
NOPAT Margin	snapshot only																				13.29%
Pretax Margin	snapshot only																				20.76%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				36.14%
SBC / Revenue	snapshot only																				1.40%

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	10.16	9.36	9.46	9.54	8.38	8.60	9.84	7.54	7.06	6.90	9.18	8.98	9.35	10.59	10.35	10.08	11.42	13.57	14.09	13.55	14.411
P/S Ratio	2.24	2.22	2.43	2.47	2.23	2.29	2.65	2.04	1.78	1.62	1.96	1.75	1.77	2.01	2.01	1.95	2.02	2.12	2.14	2.25	2.391
P/B Ratio	0.88	0.87	0.88	0.88	0.80	0.83	1.09	0.91	0.86	0.83	0.95	0.87	0.90	1.04	0.98	0.96	0.98	1.07	0.98	1.02	1.078
P/FCF	12.28	10.69	6.33	6.27	5.26	5.28	7.99	5.57	7.27	7.46	9.07	10.18	8.54	7.66	8.47	8.28	8.33	12.61	13.49	16.14	16.138
P/OCF	10.33	9.67	6.15	6.14	5.12	5.10	7.63	5.32	6.75	6.79	8.00	8.84	7.07	7.35	8.33	8.02	8.50	11.05	10.78	12.40	12.399
EV/EBITDA	-2.25	-2.18	-5.79	-5.81	-6.23	-5.95	2.85	1.54	1.21	1.06	1.32	0.82	1.01	2.11	2.65	2.45	3.01	3.97	2.84	3.74	3.736
EV/Revenue	-0.71	-0.73	-2.08	-2.12	-2.32	-2.22	1.06	0.57	0.42	0.35	0.40	0.23	0.27	0.55	0.66	0.61	0.67	0.81	0.61	0.71	0.711
EV/EBIT	-2.56	-2.48	-6.55	-6.60	-7.00	-6.66	3.12	1.67	1.32	1.15	1.46	0.92	1.13	2.37	2.83	2.62	3.15	4.21	3.18	4.27	4.272
EV/FCF	-3.87	-3.53	-5.42	-5.39	-5.47	-5.10	3.19	1.56	1.72	1.59	1.84	1.32	1.30	2.08	2.79	2.60	2.75	4.85	3.83	5.11	5.107
Earnings Yield	9.8%	10.7%	10.6%	10.5%	11.9%	11.6%	10.2%	13.3%	14.2%	14.5%	10.9%	11.1%	10.7%	9.4%	9.7%	9.9%	8.8%	7.4%	7.1%	7.4%	7.38%
FCF Yield	8.1%	9.4%	15.8%	15.9%	19.0%	18.9%	12.5%	18.0%	13.7%	13.4%	11.0%	9.8%	11.7%	13.0%	11.8%	12.1%	12.0%	7.9%	7.4%	6.2%	6.20%
Price/Tangible Book	snapshot only																				1.457
EV/OCF	snapshot only																				3.924
EV/Gross Profit	snapshot only																				1.056
Acquirers Multiple	snapshot only																				4.272
Shareholder Yield	snapshot only																				3.89%
Graham Number	snapshot only																				$41.32

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	8.68	8.68	0.28	0.28	0.28	0.28	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.17	0.17	0.17	0.17	0.16	0.16	0.162
Quick Ratio	8.68	8.68	0.28	0.28	0.28	0.28	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.17	0.17	0.17	0.17	0.16	0.16	0.162
Debt/Equity	0.82	0.82	0.42	0.42	0.42	0.42	1.00	1.00	1.00	1.00	0.70	0.70	0.70	0.70	0.63	0.63	0.63	0.63	0.51	0.51	0.506
Net Debt/Equity	-1.15	-1.15	-1.63	-1.63	-1.63	-1.63	-0.65	-0.65	-0.65	-0.65	-0.76	-0.76	-0.76	-0.76	-0.66	-0.66	-0.66	-0.66	-0.70	-0.70	-0.700
Debt/Assets	0.09	0.09	0.05	0.05	0.05	0.05	0.10	0.10	0.10	0.10	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.06	0.06	0.058
Debt/EBITDA	6.63	6.21	3.25	3.25	3.16	3.13	6.57	6.04	6.01	6.02	4.75	5.08	5.15	5.21	5.19	5.17	5.88	6.12	5.18	5.84	5.838
Net Debt/EBITDA	-9.37	-8.78	-12.54	-12.58	-12.23	-12.10	-4.29	-3.95	-3.92	-3.93	-5.17	-5.53	-5.61	-5.67	-5.39	-5.37	-6.11	-6.36	-7.16	-8.07	-8.069
Interest Coverage	2.18	2.67	3.19	3.81	4.78	4.92	4.27	2.99	1.89	1.35	1.01	0.82	0.75	0.70	0.70	0.70	0.63	0.60	0.62	0.54	0.539
Equity Multiplier	9.06	9.06	8.75	8.75	8.75	8.75	9.94	9.94	9.94	9.94	9.19	9.19	9.19	9.19	8.91	8.91	8.91	8.91	8.80	8.80	8.795
Cash Ratio	snapshot only																				0.162
Debt Service Coverage	snapshot only																				0.617
Cash to Debt	snapshot only																				2.382
FCF to Debt	snapshot only																				0.125
Defensive Interval	snapshot only																				1949.9 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	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.055
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	32.34	32.27	32.268
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	11	11	11.3 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	11	11	—
Fixed Asset Turnover	snapshot only																				4.172
Cash Velocity	snapshot only																				0.378
Capital Intensity	snapshot only																				19.294

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	-3.5%	-2.9%	-9.5%	-9.1%	-6.0%	-4.8%	5.7%	16.7%	25.2%	31.6%	29.6%	22.3%	15.5%	11.0%	7.1%	5.3%	1.8%	3.5%	8.3%	7.4%	7.40%
Net Income	39.8%	32.5%	18.2%	11.2%	13.7%	6.9%	10.8%	21.9%	18.2%	16.2%	3.0%	-11.6%	-13.3%	-10.4%	-2.9%	4.1%	-4.6%	-14.9%	-15.2%	-7.8%	-7.82%
EPS	43.5%	33.0%	17.2%	10.5%	13.4%	6.5%	10.3%	21.2%	17.4%	15.6%	2.5%	-12.1%	-13.8%	-11.2%	-3.7%	3.3%	-5.2%	-19.9%	-22.4%	-15.6%	-15.56%
FCF	-4.7%	-6.5%	87.2%	73.1%	1.2%	98.9%	-8.7%	8.6%	-27.9%	-34.0%	-15.5%	-42.4%	-2.3%	33.9%	17.4%	43.7%	19.6%	-33.8%	-27.6%	-36.4%	-36.44%
EBITDA	40.4%	31.7%	16.0%	10.6%	11.3%	5.5%	9.1%	18.9%	16.3%	14.8%	5.7%	-9.1%	-10.9%	-11.8%	-11.7%	-5.2%	-15.4%	-17.8%	-7.1%	-17.9%	-17.89%
Op. Income	45.4%	34.8%	16.8%	10.3%	13.1%	6.9%	12.8%	24.4%	20.3%	18.6%	4.1%	-11.5%	-13.4%	-14.5%	-7.9%	-1.0%	-9.6%	-13.3%	-11.9%	-23.3%	-23.27%
OCF Growth	snapshot only																				-19.87%
Asset Growth	snapshot only																				14.71%
Equity Growth	snapshot only																				16.17%
Debt Growth	snapshot only																				-7.21%
Shares Change	snapshot only																				9.17%
Dividend Growth	snapshot only																				16.40%

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	2.5%	1.9%	-0.5%	-1.6%	-1.8%	-2.0%	-0.5%	1.7%	4.4%	6.8%	7.5%	9.0%	10.8%	11.6%	13.6%	14.5%	13.8%	14.7%	14.6%	11.4%	11.41%
Revenue 5Y	19.0%	18.5%	17.0%	12.3%	8.1%	4.6%	2.6%	3.6%	4.9%	5.8%	6.2%	6.4%	6.5%	6.6%	6.4%	6.2%	6.0%	6.9%	7.6%	8.0%	7.95%
EPS 3Y	5.2%	7.4%	7.2%	7.4%	11.7%	17.4%	25.6%	28.3%	24.1%	17.8%	9.8%	5.6%	4.7%	3.0%	2.9%	3.2%	-1.4%	-6.3%	-8.5%	-8.5%	-8.48%
EPS 5Y	6.0%	8.0%	10.0%	20.6%	19.6%	13.8%	11.4%	10.4%	9.2%	8.8%	6.9%	5.7%	7.1%	10.7%	14.4%	13.9%	9.3%	3.1%	-0.2%	0.5%	0.53%
Net Income 3Y	4.0%	6.1%	6.1%	6.3%	10.5%	16.2%	24.4%	27.2%	23.4%	18.1%	10.5%	6.2%	5.2%	3.6%	3.5%	3.9%	-0.8%	-4.0%	-5.4%	-5.3%	-5.35%
Net Income 5Y	17.1%	19.3%	21.4%	21.4%	18.9%	13.2%	10.9%	9.9%	8.6%	8.2%	6.4%	5.3%	6.7%	10.3%	14.0%	13.6%	9.2%	4.6%	2.1%	2.8%	2.83%
EBITDA 3Y	-0.8%	1.9%	6.9%	7.3%	11.0%	16.6%	23.5%	26.0%	22.0%	16.8%	10.2%	6.2%	4.9%	2.2%	0.6%	0.8%	-4.3%	-5.9%	-4.7%	-10.9%	-10.88%
EBITDA 5Y	15.9%	17.5%	19.6%	19.5%	16.0%	10.8%	5.0%	5.0%	4.8%	5.1%	7.1%	6.0%	7.2%	10.0%	12.0%	11.5%	6.5%	3.0%	1.9%	-1.4%	-1.41%
Gross Profit 3Y	5.8%	7.1%	6.2%	6.2%	7.0%	7.0%	7.3%	7.6%	6.8%	5.6%	3.3%	2.0%	1.9%	1.2%	2.4%	3.0%	1.9%	3.0%	4.4%	2.8%	2.77%
Gross Profit 5Y	20.4%	20.6%	19.7%	14.9%	10.8%	7.1%	4.5%	5.1%	5.4%	5.5%	5.4%	5.1%	5.2%	5.4%	5.1%	4.5%	3.3%	3.5%	3.7%	3.3%	3.33%
Op. Income 3Y	-2.4%	0.7%	6.3%	6.7%	11.2%	17.6%	26.9%	30.0%	25.5%	19.6%	11.1%	6.7%	5.6%	2.8%	2.7%	2.9%	-2.0%	-4.2%	-5.5%	-12.4%	-12.40%
Op. Income 5Y	14.5%	16.1%	18.5%	18.9%	16.2%	10.8%	5.2%	5.2%	4.8%	5.3%	7.1%	6.0%	7.4%	10.5%	14.4%	14.0%	9.1%	4.9%	2.2%	-1.6%	-1.61%
FCF 3Y	-11.4%	-6.9%	21.3%	28.1%	28.9%	34.2%	25.4%	33.3%	14.5%	7.1%	13.0%	2.7%	15.5%	20.7%	-3.2%	-3.5%	-5.6%	-16.4%	-10.4%	-19.3%	-19.28%
FCF 5Y	-8.2%	19.6%	36.3%	41.3%	31.0%	22.3%	7.7%	7.4%	1.8%	1.2%	6.6%	5.6%	8.6%	16.4%	14.4%	14.4%	11.9%	1.7%	4.2%	-0.2%	-0.24%
OCF 3Y	-8.1%	-5.8%	17.0%	22.2%	22.3%	29.9%	15.6%	24.2%	8.7%	0.4%	10.5%	1.0%	16.1%	18.3%	-3.7%	-3.2%	-7.1%	-13.6%	-4.9%	-13.2%	-13.23%
OCF 5Y	-6.4%	16.1%	29.2%	32.9%	26.6%	19.7%	7.0%	7.0%	2.1%	1.8%	6.4%	5.2%	8.6%	14.3%	8.2%	9.3%	6.4%	-1.4%	4.8%	1.3%	1.25%
Assets 3Y	1.5%	1.5%	0.9%	0.9%	0.9%	0.9%	2.1%	2.1%	2.1%	2.1%	2.1%	2.1%	2.1%	2.1%	3.3%	3.3%	3.3%	3.3%	6.2%	6.2%	6.21%
Assets 5Y	18.7%	18.7%	16.1%	16.1%	16.1%	16.1%	1.9%	1.9%	1.9%	1.9%	1.9%	1.9%	1.9%	1.9%	2.2%	2.2%	2.2%	2.2%	4.7%	4.7%	4.68%
Equity 3Y	5.1%	5.1%	4.6%	4.6%	4.6%	4.6%	-0.2%	-0.2%	-0.2%	-0.2%	1.7%	1.7%	1.7%	1.7%	2.6%	2.6%	2.6%	2.6%	10.6%	10.6%	10.62%
Book Value 3Y	6.3%	6.3%	5.7%	5.7%	5.8%	5.7%	0.7%	0.6%	0.3%	-0.5%	1.0%	1.1%	1.1%	1.0%	2.0%	2.0%	2.0%	0.1%	7.0%	7.0%	6.96%
Dividend 3Y	0.7%	1.6%	2.7%	3.8%	4.1%	4.0%	3.9%	3.8%	3.4%	2.5%	2.0%	1.8%	1.9%	1.8%	1.8%	2.0%	2.3%	1.3%	1.2%	1.7%	1.71%

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	0.76	0.73	0.64	0.57	0.51	0.44	0.29	0.35	0.41	0.42	0.42	0.51	0.57	0.58	0.62	0.66	0.70	0.75	0.81	0.92	0.919
Earnings Stability	0.66	0.75	0.66	0.61	0.67	0.74	0.64	0.60	0.67	0.76	0.69	0.63	0.72	0.83	0.80	0.68	0.47	0.23	0.14	0.19	0.193
Margin Stability	0.93	0.91	0.90	0.90	0.90	0.90	0.90	0.91	0.92	0.91	0.90	0.88	0.87	0.86	0.86	0.86	0.86	0.86	0.87	0.87	0.872
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.00	0.00	0.50	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	1.000
Earn. Growth Consistency	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	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	0.84	0.87	0.93	0.96	0.95	0.97	0.96	0.91	0.93	0.94	0.99	0.95	0.95	0.96	0.99	0.98	0.98	0.94	0.94	0.97	0.969
Earnings Smoothness	0.67	0.72	0.83	0.89	0.87	0.93	0.90	0.80	0.83	0.85	0.97	0.88	0.86	0.89	0.97	0.96	0.95	0.84	0.84	0.92	0.919
ROE Trend	0.01	0.02	0.02	0.02	0.02	0.01	0.02	0.03	0.03	0.03	0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.02	-0.03	-0.03	-0.02	-0.021
Gross Margin Trend	0.13	0.15	0.15	0.14	0.12	0.08	0.03	-0.02	-0.09	-0.15	-0.18	-0.20	-0.19	-0.17	-0.14	-0.11	-0.08	-0.05	-0.02	-0.00	-0.003
FCF Margin Trend	-0.00	0.02	0.21	0.21	0.24	0.22	0.05	0.07	-0.06	-0.10	-0.14	-0.21	-0.13	-0.06	-0.04	-0.03	0.02	-0.07	-0.07	-0.06	-0.065
Sustainable Growth Rate	5.5%	6.0%	6.0%	5.9%	6.2%	6.2%	6.9%	7.8%	7.8%	7.6%	6.9%	6.1%	5.9%	6.1%	5.8%	5.7%	4.7%	3.7%	3.3%	3.8%	3.85%
Internal Growth Rate	0.6%	0.7%	0.7%	0.7%	0.7%	0.7%	0.7%	0.8%	0.8%	0.8%	0.7%	0.6%	0.6%	0.6%	0.6%	0.6%	0.5%	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	0.98	0.97	1.54	1.55	1.64	1.69	1.29	1.42	1.05	1.02	1.15	1.02	1.32	1.44	1.24	1.26	1.34	1.23	1.31	1.09	1.093
FCF/OCF	0.84	0.90	0.97	0.98	0.97	0.97	0.96	0.95	0.93	0.91	0.88	0.87	0.83	0.96	0.98	0.97	1.02	0.88	0.80	0.77	0.768
FCF/Net Income	snapshot only																				0.840
OCF/EBITDA	snapshot only																				0.952
CapEx/Revenue	3.5%	2.2%	1.1%	0.9%	1.2%	1.5%	1.6%	1.7%	1.9%	2.1%	2.9%	2.6%	4.3%	1.1%	0.4%	0.8%	0.5%	2.4%	4.0%	4.2%	4.20%
CapEx/Depreciation	snapshot only																				1.758
Accruals Ratio	0.00	0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.001
Sloan Accruals	snapshot only																				-0.090
Cash Flow Adequacy	snapshot only																				1.402
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	3.7%	3.9%	3.8%	3.9%	4.3%	4.3%	3.6%	4.4%	4.7%	5.0%	4.0%	4.5%	4.4%	3.9%	3.9%	4.1%	4.2%	4.0%	3.9%	3.9%	3.75%
Dividend/Share	$0.90	$0.91	$0.93	$0.95	$0.98	$0.99	$1.01	$1.03	$1.05	$1.07	$1.09	$1.10	$1.12	$1.14	$1.16	$1.18	$1.22	$1.20	$1.22	$1.26	$1.30
Payout Ratio	37.9%	36.0%	35.8%	37.0%	36.4%	36.8%	35.2%	33.0%	33.5%	34.3%	36.9%	40.1%	41.4%	41.1%	40.9%	41.7%	47.4%	54.1%	55.3%	52.6%	52.65%
FCF Payout Ratio	45.8%	41.2%	23.9%	24.3%	22.9%	22.6%	28.6%	24.4%	34.5%	37.1%	36.5%	45.5%	37.8%	29.7%	33.4%	34.2%	34.6%	50.3%	52.9%	62.7%	62.70%
Total Payout Ratio	56.8%	37.9%	35.8%	37.0%	36.4%	36.8%	35.2%	33.0%	33.5%	34.3%	36.9%	40.1%	41.4%	41.1%	40.9%	41.7%	47.4%	54.1%	55.3%	52.6%	52.65%
Div. Increase Streak	0	1	1	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.02	0.05	0.09	0.12	0.13	0.13	0.13	0.13	0.13	0.13	0.12	0.12	0.12	0.11	0.11	0.12	0.13	0.16	0.19	0.20	0.203
Buyback Yield	1.9%	0.2%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	1.8%	0.2%	-0.0%	-0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-0.2%	-0.2%	-0.2%	-0.1%	-0.2%	-0.1%	-0.1%	-0.2%	-0.2%	-0.2%	-0.22%
Total Shareholder Return	5.5%	4.0%	3.7%	3.9%	4.3%	4.3%	3.6%	4.4%	4.7%	5.0%	3.9%	4.3%	4.3%	3.7%	3.8%	4.0%	4.0%	3.8%	3.8%	3.7%	3.67%

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)	0.80	0.80	0.81	0.81	0.80	0.80	0.79	0.79	0.79	0.79	0.79	0.79	0.79	0.82	0.83	0.83	0.83	0.81	0.80	0.80	0.799
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	0.99	1.25	1.247
EBIT Margin	0.28	0.30	0.32	0.32	0.33	0.33	0.34	0.34	0.32	0.30	0.27	0.25	0.24	0.23	0.23	0.23	0.21	0.19	0.19	0.17	0.166
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	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.055
Equity Multiplier	9.15	9.15	8.90	8.90	8.90	8.90	9.32	9.32	9.32	9.32	9.55	9.55	9.55	9.55	9.04	9.04	9.04	9.04	8.85	8.85	8.847

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)	$2.36	$2.54	$2.61	$2.58	$2.68	$2.70	$2.88	$3.12	$3.15	$3.12	$2.95	$2.75	$2.71	$2.77	$2.84	$2.84	$2.57	$2.22	$2.20	$2.39	$2.39
Book Value/Share	$27.35	$27.33	$28.14	$28.09	$28.13	$28.07	$25.98	$25.90	$25.92	$25.89	$28.39	$28.29	$28.28	$28.19	$29.87	$29.78	$29.82	$28.15	$31.78	$31.69	$32.16
Tangible Book/Share	$18.89	$18.88	$19.76	$19.73	$19.76	$19.71	$17.70	$17.65	$17.67	$17.65	$20.22	$20.15	$20.14	$20.08	$21.83	$21.76	$21.79	$20.57	$22.34	$22.28	$22.28
Revenue/Share	$10.71	$10.68	$10.15	$9.96	$10.05	$10.13	$10.69	$11.56	$12.50	$13.26	$13.78	$14.06	$14.34	$14.59	$14.64	$14.69	$14.51	$14.21	$14.52	$14.45	$14.51
FCF/Share	$1.96	$2.22	$3.90	$3.92	$4.27	$4.40	$3.54	$4.23	$3.05	$2.89	$2.98	$2.42	$2.96	$3.83	$3.47	$3.45	$3.52	$2.39	$2.30	$2.01	$2.02
OCF/Share	$2.33	$2.45	$4.01	$4.01	$4.39	$4.55	$3.71	$4.43	$3.29	$3.17	$3.38	$2.79	$3.58	$3.99	$3.52	$3.57	$3.45	$2.73	$2.88	$2.62	$2.63
Cash/Share	$53.92	$53.89	$57.62	$57.52	$57.62	$57.48	$43.03	$42.91	$42.94	$42.89	$41.35	$41.22	$41.20	$41.07	$38.62	$38.50	$38.55	$36.39	$38.33	$38.23	$14.77
EBITDA/Share	$3.37	$3.59	$3.65	$3.63	$3.74	$3.78	$3.96	$4.30	$4.32	$4.31	$4.17	$3.88	$3.83	$3.77	$3.65	$3.65	$3.22	$2.92	$3.10	$2.75	$2.75
Debt/Share	$22.34	$22.33	$11.84	$11.82	$11.84	$11.81	$26.03	$25.95	$25.97	$25.94	$19.81	$19.75	$19.74	$19.67	$18.94	$18.88	$18.90	$17.85	$16.09	$16.05	$16.05
Net Debt/Share	$-31.58	$-31.56	$-45.78	$-45.70	$-45.77	$-45.67	$-17.00	$-16.96	$-16.97	$-16.95	$-21.54	$-21.47	$-21.47	$-21.40	$-19.68	$-19.62	$-19.65	$-18.55	$-22.24	$-22.18	$-22.18

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.766
Altman Z-Prime	snapshot only																				-4.226
Piotroski F-Score	7	7	5	5	5	4	6	6	6	6	6	5	5	5	6	7	5	5	6	5	5
Beneish M-Score	-2.66	-2.56	-2.72	-2.60	-2.49	-2.46	-2.13	-1.99	-1.91	-1.99	-2.20	-2.28	-2.36	-2.40	-2.48	-2.46	-2.53	-2.34	-2.36	-2.60	-2.605
Ohlson O-Score	snapshot only																				-3.579
Net-Net WC	snapshot only																				$-208.82
EVA	snapshot only																				$16279227.44

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																				BBB-
Credit Score	73.75	75.12	75.98	75.97	76.01	75.94	57.59	60.13	59.27	59.53	62.21	62.02	62.42	62.40	59.94	59.91	58.07	56.31	52.00	53.74	53.736
Credit Grade	snapshot only																				10
Credit Trend	snapshot only																				-6.175
Implied Spread (bps)	snapshot only																				350.000
Industry Credit Rank	snapshot only																				35
Sector Credit Rank	snapshot only																				41

BHB AMEX

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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