$35.25

+0.56 (+1.61%)

Weekly Expected Move ±3.0%

$32 $33 $34 $35 $36

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 53 · $240.1M mcap · 5M float · 0.207% daily turnover · Short 58% 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

40.9 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 126.4% · 5Y Avg: -1.5%

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. BPRN shows a Weak competitive edge (40.9/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 126.4% 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

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2022-04-22	Piper Sandler	—	Initiated	$34	—	+14.8%	$29.61

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

Rating Change History

Date	From	To
2026-05-18	B	B+
2026-05-15	B+	B
2026-05-14	B	B+
2026-05-11	B-	B
2026-05-04	B	B-
2026-04-30	B+	B
2026-03-18	B	B+
2026-03-16	B-	B
2026-03-04	B	B-
2026-02-24	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.

★ ★ ★ ★ ★ 61 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. BPRN scores highest in Momentum (85/100) and lowest in Profitability (55/100). An overall grade of A+ places BPRN 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

2.72

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓ ✓

Beneish M-Score

217.91

Possible Manipulator

Ohlson O-Score

-6.27

Bankruptcy prob: 0.2%

Low Risk

Credit Rating

Score: 72.3/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.31x

Accruals: -0.3%

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. BPRN scores 2.72, 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. BPRN scores 8/9, 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. BPRN's score of 217.91 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. BPRN's implied 0.2% 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. BPRN receives an estimated rating of A (score: 72.3/100), 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). BPRN'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

12.29x

PEG

0.17x

P/S

1.75x

P/B

0.87x

P/FCF

9.39x

P/OCF

9.04x

EV/EBITDA

-0.97x

EV/Revenue

-0.19x

EV/EBIT

-1.02x

EV/FCF

-1.04x

Earnings Yield

8.47%

FCF Yield

10.65%

Shareholder Yield

7.32%

Graham Number

$50.57

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 12.3x earnings, BPRN trades at a reasonable valuation. An earnings yield of 8.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $50.57 per share, suggesting a potential 43% 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

0.783

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.181

EBIT / Rev

Asset Turnover

0.059

Rev / Assets

Equity Multiplier

8.678

Assets / Equity

ROE

7.3%

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. BPRN's ROE of 7.3% is driven by financial leverage (equity multiplier: 8.68x). 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

76.58%

Fair P/E

161.65x

Intrinsic Value

$462.14

Price/Value

0.07x

Margin of Safety

92.69%

Premium

-92.69%

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 BPRN's realized 76.6% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $462.14, BPRN appears undervalued with a 93% margin of safety. The adjusted fair P/E of 161.7x compares to the current market P/E of 12.3x.

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

$35.25

Median 1Y

$34.56

5th Pctile

$18.76

95th Pctile

$63.99

Ann. Volatility

35.6%

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
Edward J. Dietzler, President and Chief Executive Officer	$672,500	$333,363	$1,317,222
Daniel O’Donnell, President, Vice President, General Counsel and Chief Operating Officer	$558,900	$276,940	$1,093,938
Stephanie Adkins, Lending ve Vice President and Chief Lending Officer	$313,635	$77,706	$497,690

CEO Pay Ratio

79:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,317,222

Avg Employee Cost (SGA/emp): $16,734

Employees: 241

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

241

-3.2% YoY

Revenue / Employee

$576,730

Rev: $138,992,000

Profit / Employee

$77,224

NI: $18,611,000

SGA / Employee

$16,734

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	8.9%	10.1%	10.6%	11.1%	11.5%	12.0%	12.1%	12.2%	12.4%	12.7%	11.2%	10.4%	9.7%	4.5%	4.1%	4.5%	2.7%	7.1%	7.0%	7.3%	7.31%
ROA	1.2%	1.3%	1.4%	1.4%	1.5%	1.6%	1.6%	1.6%	1.6%	1.7%	1.5%	1.4%	1.3%	0.6%	0.5%	0.5%	0.3%	0.8%	0.8%	0.8%	0.84%
ROIC	21.3%	24.1%	18.4%	19.4%	20.1%	20.9%	19.0%	19.0%	19.3%	19.8%	18.6%	17.3%	16.1%	7.4%	17.8%	19.6%	11.9%	30.9%	1.2%	1.3%	1.26%
ROCE	9.9%	11.2%	12.1%	12.7%	13.1%	13.7%	13.5%	13.6%	13.2%	13.2%	11.2%	10.2%	9.9%	4.5%	4.4%	4.9%	3.0%	7.7%	1.0%	1.1%	1.09%
Gross Margin	85.4%	85.5%	90.9%	93.2%	93.7%	92.3%	88.8%	80.8%	60.6%	65.5%	58.7%	57.4%	57.7%	43.0%	54.9%	58.3%	40.3%	64.1%	61.0%	64.0%	64.03%
Operating Margin	38.3%	40.5%	43.5%	42.1%	43.2%	43.6%	43.7%	36.4%	27.9%	31.0%	21.4%	18.0%	19.6%	-16.5%	19.1%	19.4%	1.7%	23.9%	23.4%	24.0%	24.01%
Net Margin	30.0%	31.2%	32.8%	33.2%	34.3%	33.5%	33.4%	27.7%	27.3%	25.8%	18.0%	14.5%	16.3%	-13.2%	14.6%	15.2%	2.0%	18.7%	17.9%	18.6%	18.58%
EBITDA Margin	41.0%	43.0%	46.1%	44.7%	45.7%	46.6%	46.0%	38.4%	29.9%	32.7%	23.2%	19.8%	21.2%	-14.8%	21.0%	21.3%	3.6%	25.8%	23.4%	24.0%	24.01%
FCF Margin	18.6%	16.9%	12.5%	8.9%	18.1%	24.2%	29.5%	31.2%	30.1%	26.9%	20.3%	16.9%	15.3%	9.7%	10.1%	7.0%	6.0%	8.8%	14.8%	17.9%	17.86%
OCF Margin	20.1%	17.8%	17.5%	13.9%	23.1%	29.1%	30.3%	31.9%	31.4%	28.4%	21.9%	18.3%	16.2%	10.6%	11.2%	8.2%	7.1%	9.7%	15.5%	18.6%	18.57%
ROE 3Y Avg	snapshot only																				7.16%
ROE 5Y Avg	snapshot only																				8.90%
ROA 3Y Avg	snapshot only																				0.86%
ROIC Economic	snapshot only																				6.73%
Cash ROA	snapshot only																				1.11%
Cash ROIC	snapshot only																				1.65%
CROIC	snapshot only																				1.59%
NOPAT Margin	snapshot only																				14.20%
Pretax Margin	snapshot only																				18.13%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				7.61%
SBC / Revenue	snapshot only																				0.74%

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	9.31	8.49	7.61	7.01	6.33	6.27	6.80	6.85	5.85	6.15	8.28	7.70	8.99	22.51	22.57	18.31	30.32	12.21	12.65	11.81	12.294
P/S Ratio	2.40	2.40	2.31	2.23	2.08	2.10	2.28	2.20	1.77	1.74	2.02	1.63	1.67	1.86	1.76	1.51	1.48	1.54	1.69	1.68	1.752
P/B Ratio	0.80	0.83	0.79	0.77	0.72	0.74	0.82	0.83	0.72	0.77	0.89	0.77	0.84	0.96	0.88	0.79	0.79	0.83	0.87	0.85	0.875
P/FCF	12.95	14.19	18.58	25.01	11.48	8.65	7.74	7.05	5.90	6.47	9.97	9.62	10.94	19.11	17.51	21.73	24.51	17.56	11.43	9.39	9.390
P/OCF	11.94	13.47	13.26	15.99	8.99	7.21	7.55	6.89	5.64	6.12	9.24	8.91	10.33	17.45	15.69	18.51	20.75	15.84	10.96	9.04	9.035
EV/EBITDA	1.75	1.75	2.46	2.19	1.81	1.87	2.78	2.80	2.21	2.55	3.46	2.79	3.42	9.03	1.76	0.11	0.24	0.49	-0.77	-0.97	-0.971
EV/Revenue	0.63	0.68	1.03	0.96	0.81	0.86	1.27	1.23	0.88	0.92	1.06	0.73	0.83	1.04	0.20	0.01	0.02	0.09	-0.14	-0.19	-0.185
EV/EBIT	1.90	1.88	2.62	2.33	1.92	1.99	2.94	2.97	2.34	2.70	3.69	3.00	3.68	10.61	2.07	0.12	0.31	0.54	-0.84	-1.02	-1.022
EV/FCF	3.38	4.03	8.31	10.74	4.47	3.53	4.31	3.96	2.92	3.43	5.23	4.34	5.41	10.73	2.01	0.19	0.32	0.99	-0.96	-1.04	-1.038
Earnings Yield	10.7%	11.8%	13.1%	14.3%	15.8%	16.0%	14.7%	14.6%	17.1%	16.3%	12.1%	13.0%	11.1%	4.4%	4.4%	5.5%	3.3%	8.2%	7.9%	8.5%	8.47%
FCF Yield	7.7%	7.0%	5.4%	4.0%	8.7%	11.6%	12.9%	14.2%	17.0%	15.5%	10.0%	10.4%	9.1%	5.2%	5.7%	4.6%	4.1%	5.7%	8.7%	10.6%	10.65%
PEG Ratio	snapshot only																				0.171
Price/Tangible Book	snapshot only																				0.907
EV/OCF	snapshot only																				-0.998
EV/Gross Profit	snapshot only																				-0.324
Acquirers Multiple	snapshot only																				-1.022
Shareholder Yield	snapshot only																				7.32%
Graham Number	snapshot only																				$50.57

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	0.11	0.11	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.12	0.12	0.12	0.12	561.10	561.10	561.104
Quick Ratio	0.11	0.11	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.12	0.12	0.12	0.12	561.10	561.10	561.104
Debt/Equity	0.09	0.09	0.09	0.09	0.09	0.09	0.12	0.12	0.12	0.12	0.10	0.10	0.10	0.10	0.09	0.09	0.09	0.09	0.08	0.08	0.078
Net Debt/Equity	-0.59	-0.59	-0.44	-0.44	-0.44	-0.44	-0.36	-0.36	-0.36	-0.36	-0.42	-0.42	-0.42	-0.42	-0.78	-0.78	-0.78	-0.78	-0.94	-0.94	-0.943
Debt/Assets	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.009
Debt/EBITDA	0.76	0.68	0.60	0.57	0.56	0.53	0.74	0.73	0.76	0.76	0.75	0.81	0.84	1.68	1.52	1.37	2.03	0.91	0.83	0.81	0.810
Net Debt/EBITDA	-4.97	-4.41	-3.04	-2.91	-2.83	-2.71	-2.21	-2.19	-2.25	-2.26	-3.14	-3.41	-3.50	-7.05	-13.55	-12.24	-18.11	-8.11	-9.94	-9.76	-9.756
Interest Coverage	2.64	3.47	4.37	5.21	5.89	6.33	5.68	3.94	2.24	1.40	0.91	0.66	0.56	0.23	0.23	0.25	0.15	0.39	0.43	0.47	0.474
Equity Multiplier	7.68	7.68	7.79	7.79	7.79	7.79	7.29	7.29	7.29	7.29	7.98	7.98	7.98	7.98	8.93	8.93	8.93	8.93	8.43	8.43	8.434
Cash Ratio	snapshot only																				74.129
Debt Service Coverage	snapshot only																				0.499
Cash to Debt	snapshot only																				13.046
FCF to Debt	snapshot only																				1.155
Defensive Interval	snapshot only																				14260.1 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	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.07	0.07	0.06	0.06	0.07	0.07	0.06	0.06	0.059
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	16.40	16.92	16.23	16.34	16.34	16.74	17.57	18.43	19.86	21.78	19.48	20.96	22.18	23.01	18.64	19.41	19.91	20.02	0.15	0.15	0.150
Payables Turnover	4.53	3.94	5.85	4.75	3.89	3.24	6.18	9.07	17.42	25.67	7.12	8.81	9.49	11.29	5.01	5.17	5.79	5.23	5.13	4.90	4.901
DSO (trade)	22	22	22	22	22	22	21	20	18	17	19	17	16	16	20	19	18	18	2395	2429	2429.3 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	81	93	62	77	94	113	59	40	21	14	51	41	38	32	73	71	63	70	71	74	74.5 days
Cash Conversion Cycle (trade)	-58	-71	-40	-54	-71	-91	-38	-20	-3	3	-33	-24	-22	-16	-53	-52	-45	-52	2324	2355	2354.8 days
Cash Velocity	snapshot only																				0.496
Capital Intensity	snapshot only																				16.658

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	7.5%	10.1%	11.2%	10.1%	6.5%	5.8%	6.6%	11.1%	19.7%	28.1%	33.9%	37.4%	35.0%	27.6%	24.1%	20.1%	16.4%	12.9%	6.0%	0.4%	0.40%
Net Income	35.9%	55.9%	62.9%	51.4%	35.7%	25.0%	17.8%	12.3%	10.5%	8.4%	-2.8%	-9.6%	-17.3%	-62.8%	-60.2%	-53.0%	-69.4%	72.5%	81.7%	72.6%	72.62%
EPS	35.5%	58.8%	67.1%	58.9%	44.9%	32.6%	25.1%	16.3%	11.8%	8.2%	-3.4%	-10.1%	-18.0%	-63.8%	-63.5%	-56.7%	-71.7%	64.7%	87.0%	76.6%	76.58%
FCF	88.0%	24.4%	-38.5%	-65.8%	4.1%	51.3%	1.5%	2.9%	98.6%	42.3%	-8.0%	-25.5%	-31.5%	-53.9%	-38.3%	-50.6%	-53.9%	1.9%	56.0%	1.6%	1.58%
EBITDA	38.4%	55.1%	62.4%	49.9%	33.8%	24.2%	15.9%	12.1%	6.0%	1.2%	-10.5%	-18.2%	-18.0%	-59.2%	-53.3%	-43.9%	-61.1%	75.1%	70.1%	56.5%	56.54%
Op. Income	41.2%	60.3%	68.8%	54.8%	36.8%	25.7%	16.7%	12.5%	6.1%	1.7%	-10.9%	-19.4%	-19.3%	-63.3%	-57.8%	-48.5%	-67.6%	84.0%	84.8%	73.8%	73.85%
OCF Growth	snapshot only																				1.28%
Asset Growth	snapshot only																				-2.44%
Equity Growth	snapshot only																				3.31%
Debt Growth	snapshot only																				-7.62%
Shares Change	snapshot only																				-2.24%
Dividend Growth	snapshot only																				15.70%

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	8.7%	9.2%	9.4%	8.6%	7.6%	7.2%	7.7%	8.6%	11.1%	14.3%	16.7%	18.9%	19.8%	20.1%	21.0%	22.4%	23.4%	22.7%	20.8%	18.3%	18.34%
Revenue 5Y	—	—	—	—	43.7%	24.5%	15.0%	9.5%	10.4%	12.1%	13.3%	14.3%	15.0%	15.0%	15.7%	16.2%	16.6%	16.6%	15.9%	15.2%	15.18%
EPS 3Y	14.4%	18.1%	15.8%	29.4%	35.6%	37.8%	41.6%	30.5%	29.9%	31.6%	26.4%	18.5%	9.9%	-19.6%	-23.9%	-23.2%	-36.2%	-13.6%	-13.0%	-11.8%	-11.76%
EPS 5Y	—	—	—	—	44.9%	31.9%	29.2%	19.9%	19.4%	18.8%	13.4%	17.8%	18.0%	0.5%	0.0%	-2.9%	-12.6%	6.3%	6.6%	4.9%	4.90%
Net Income 3Y	14.2%	17.4%	15.2%	27.7%	32.4%	34.3%	37.7%	27.1%	26.8%	28.3%	23.1%	15.4%	7.4%	-20.4%	-23.1%	-21.9%	-34.6%	-11.4%	-11.1%	-9.9%	-9.86%
Net Income 5Y	—	—	—	—	51.8%	32.6%	27.3%	18.2%	17.4%	17.0%	11.9%	16.2%	16.2%	-0.5%	0.2%	-2.7%	-12.4%	6.3%	6.2%	4.5%	4.49%
EBITDA 3Y	14.9%	19.3%	19.3%	32.0%	35.4%	36.7%	38.5%	27.8%	25.2%	25.0%	19.0%	11.2%	5.2%	-20.0%	-21.4%	-19.9%	-30.3%	-10.3%	-10.7%	-10.4%	-10.45%
EBITDA 5Y	—	—	—	—	51.7%	31.9%	25.3%	17.5%	16.6%	16.4%	12.0%	16.1%	16.7%	1.0%	2.1%	-0.9%	-8.9%	6.8%	6.0%	3.8%	3.82%
Gross Profit 3Y	12.1%	14.4%	14.4%	19.7%	20.3%	21.0%	21.9%	17.8%	15.6%	15.3%	12.7%	10.1%	9.0%	4.1%	3.0%	3.4%	0.7%	2.8%	2.3%	2.3%	2.27%
Gross Profit 5Y	—	—	—	—	46.6%	28.4%	20.5%	13.5%	12.5%	12.3%	10.3%	12.3%	13.1%	11.0%	11.7%	10.2%	8.4%	10.5%	9.9%	8.7%	8.74%
Op. Income 3Y	13.5%	18.2%	18.1%	31.4%	35.3%	37.4%	40.4%	29.3%	27.0%	27.0%	20.6%	12.0%	5.4%	-22.3%	-24.0%	-22.4%	-34.8%	-11.8%	-11.4%	-10.3%	-10.29%
Op. Income 5Y	—	—	—	—	51.4%	31.5%	25.1%	17.4%	16.3%	16.1%	11.4%	15.5%	16.2%	-0.7%	0.8%	-2.1%	-11.8%	6.7%	6.5%	4.7%	4.68%
FCF 3Y	-7.1%	-9.1%	-17.1%	-24.3%	-11.9%	5.0%	21.1%	29.6%	57.2%	38.9%	12.6%	-0.3%	12.3%	-0.2%	12.8%	12.7%	-14.4%	-12.6%	-4.0%	-1.7%	-1.74%
FCF 5Y	—	—	—	—	66.5%	29.2%	21.8%	14.2%	10.7%	10.1%	5.8%	4.6%	-1.4%	-5.3%	0.2%	-4.3%	4.2%	4.7%	6.6%	4.8%	4.76%
OCF 3Y	-4.7%	-7.9%	-9.0%	-14.8%	-12.0%	-0.7%	11.8%	16.0%	47.7%	37.0%	8.5%	-0.5%	11.4%	1.1%	4.5%	2.5%	-16.6%	-14.9%	-3.4%	-1.2%	-1.23%
OCF 5Y	—	—	—	—	72.4%	33.3%	22.1%	14.5%	11.5%	11.1%	6.2%	4.3%	-5.1%	-10.1%	-2.9%	-8.0%	2.8%	4.9%	3.5%	3.8%	3.82%
Assets 3Y	10.1%	10.1%	10.5%	10.5%	10.5%	10.5%	3.3%	3.3%	3.3%	3.3%	6.1%	6.1%	6.1%	6.1%	11.5%	11.5%	11.5%	11.5%	12.5%	12.5%	12.54%
Assets 5Y	—	—	—	—	10.5%	10.5%	5.9%	5.9%	5.9%	5.9%	8.9%	8.9%	8.9%	8.9%	10.0%	10.0%	10.0%	10.0%	7.3%	7.3%	7.33%
Equity 3Y	7.5%	7.5%	5.5%	5.5%	5.5%	5.5%	3.9%	3.9%	3.9%	3.9%	4.8%	4.8%	4.8%	4.8%	6.6%	6.6%	6.6%	6.6%	7.2%	7.2%	7.22%
Book Value 3Y	7.6%	8.2%	6.1%	6.9%	8.1%	8.3%	6.8%	6.7%	6.4%	6.5%	7.6%	7.6%	7.2%	5.8%	5.4%	4.7%	4.0%	3.9%	5.0%	5.0%	4.96%
Dividend 3Y	15.1%	13.7%	18.1%	24.1%	21.7%	19.0%	16.9%	11.3%	9.2%	7.9%	7.8%	6.6%	5.3%	3.4%	-0.5%	-0.1%	-0.2%	0.3%	2.3%	2.8%	2.77%

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	1.00	0.99	0.98	0.98	0.85	0.89	0.95	0.98	0.94	0.88	0.84	0.81	0.81	0.83	0.85	0.86	0.89	0.92	0.93	0.92	0.923
Earnings Stability	0.82	0.78	0.64	0.78	0.89	0.87	0.79	0.87	0.89	0.88	0.77	0.85	0.77	0.11	0.08	0.03	0.01	0.00	0.01	0.04	0.036
Margin Stability	0.92	0.90	0.88	0.87	0.87	0.86	0.85	0.89	0.90	0.88	0.87	0.83	0.83	0.79	0.77	0.78	0.77	0.77	0.77	0.78	0.780
Rev. Growth Consistency	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
Earn. Growth Consistency	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	0.00	0.00	0.00	0.50	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	0.86	0.50	0.50	0.50	0.86	0.90	0.93	0.95	0.96	0.97	0.99	0.96	0.93	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.500
Earnings Smoothness	0.70	0.56	0.52	0.59	0.70	0.78	0.84	0.88	0.90	0.92	0.97	0.90	0.81	0.09	0.14	0.28	0.00	0.47	0.42	0.47	0.467
ROE Trend	0.02	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.02	0.02	-0.00	-0.02	-0.02	-0.08	-0.07	-0.07	-0.08	-0.02	-0.00	0.00	0.000
Gross Margin Trend	0.12	0.15	0.18	0.16	0.16	0.16	0.12	0.06	-0.05	-0.15	-0.23	-0.28	-0.25	-0.29	-0.26	-0.21	-0.21	-0.09	-0.04	0.00	0.002
FCF Margin Trend	-0.03	-0.03	-0.09	-0.15	0.04	0.08	0.12	0.12	0.12	0.06	-0.01	-0.03	-0.09	-0.16	-0.15	-0.17	-0.17	-0.10	-0.00	0.06	0.059
Sustainable Growth Rate	7.2%	8.2%	8.5%	8.7%	8.8%	9.1%	9.2%	9.1%	9.2%	9.4%	8.0%	7.2%	6.5%	1.2%	1.0%	1.4%	-0.5%	3.8%	3.7%	3.9%	3.90%
Internal Growth Rate	1.0%	1.1%	1.1%	1.1%	1.2%	1.2%	1.2%	1.2%	1.2%	1.3%	1.1%	0.9%	0.9%	0.2%	0.1%	0.2%	—	0.4%	0.4%	0.5%	0.45%

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	0.78	0.63	0.57	0.44	0.70	0.87	0.90	0.99	1.04	1.00	0.90	0.86	0.87	1.29	1.44	0.99	1.46	0.77	1.15	1.31	1.307
FCF/OCF	0.92	0.95	0.71	0.64	0.78	0.83	0.97	0.98	0.96	0.95	0.93	0.93	0.94	0.91	0.90	0.85	0.85	0.90	0.96	0.96	0.962
FCF/Net Income	snapshot only																				1.258
OCF/EBITDA	snapshot only																				0.972
CapEx/Revenue	1.6%	0.9%	5.0%	5.0%	5.0%	4.9%	0.8%	0.7%	1.3%	1.5%	1.6%	1.4%	0.9%	0.9%	1.2%	1.2%	1.1%	1.0%	0.6%	0.7%	0.70%
CapEx/Depreciation	snapshot only																				0.727
Accruals Ratio	0.00	0.00	0.01	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	-0.00	0.00	-0.00	-0.00	-0.003
Sloan Accruals	snapshot only																				1.687
Cash Flow Adequacy	snapshot only																				2.538
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	2.0%	2.2%	2.6%	3.2%	3.7%	3.8%	3.6%	3.7%	4.3%	4.2%	3.5%	4.0%	3.7%	3.3%	3.3%	3.8%	3.9%	3.8%	3.7%	3.9%	3.83%
Dividend/Share	$0.49	$0.58	$0.65	$0.79	$0.88	$0.95	$1.01	$1.04	$1.08	$1.11	$1.17	$1.16	$1.17	$1.15	$1.09	$1.12	$1.16	$1.20	$1.28	$1.33	$1.35
Payout Ratio	18.8%	19.1%	19.5%	22.2%	23.2%	23.8%	24.4%	25.1%	25.4%	25.5%	29.0%	31.1%	33.5%	73.7%	74.3%	69.5%	1.2%	46.6%	46.6%	46.6%	46.57%
FCF Payout Ratio	26.1%	31.9%	47.6%	79.0%	42.0%	32.8%	27.8%	25.8%	25.6%	26.9%	34.9%	38.8%	40.8%	62.5%	57.6%	82.5%	94.8%	66.9%	42.1%	37.0%	37.02%
Total Payout Ratio	43.5%	51.5%	64.1%	79.8%	77.9%	73.1%	59.9%	46.9%	31.4%	26.5%	29.0%	33.5%	37.3%	81.8%	82.5%	73.3%	2.0%	89.1%	88.8%	86.4%	86.42%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.54	0.46	0.65	0.87	0.71	0.59	0.51	0.31	0.25	0.21	0.19	0.16	0.13	0.11	0.05	0.09	0.11	0.13	0.18	0.20	0.196
Buyback Yield	2.7%	3.8%	5.9%	8.2%	8.6%	7.9%	5.2%	3.2%	1.0%	0.2%	0.0%	0.3%	0.4%	0.4%	0.4%	0.2%	2.7%	3.5%	3.3%	3.4%	3.37%
Net Buyback Yield	2.6%	3.8%	5.8%	8.2%	8.6%	7.8%	5.2%	3.2%	1.0%	0.2%	0.0%	0.3%	0.4%	0.4%	0.4%	0.2%	2.7%	3.5%	3.3%	3.4%	3.36%
Total Shareholder Return	4.7%	6.0%	8.4%	11.3%	12.3%	11.6%	8.8%	6.9%	5.4%	4.3%	3.5%	4.3%	4.1%	3.6%	3.7%	4.0%	6.6%	7.3%	7.0%	7.3%	7.30%

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)	0.78	0.78	0.77	0.77	0.78	0.78	0.78	0.77	0.81	0.83	0.85	0.87	0.83	0.84	0.80	0.79	0.78	0.79	0.79	0.78	0.783
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	0.33	0.36	0.39	0.41	0.42	0.43	0.43	0.42	0.37	0.34	0.29	0.24	0.22	0.10	0.10	0.10	0.06	0.16	0.17	0.18	0.181
Asset Turnover	0.05	0.05	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.07	0.07	0.06	0.06	0.07	0.07	0.06	0.06	0.059
Equity Multiplier	7.55	7.55	7.74	7.74	7.74	7.74	7.54	7.54	7.54	7.54	7.65	7.65	7.65	7.65	8.48	8.48	8.48	8.48	8.68	8.68	8.678

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)	$2.62	$3.02	$3.32	$3.58	$3.80	$4.00	$4.16	$4.16	$4.25	$4.33	$4.02	$3.74	$3.48	$1.57	$1.47	$1.62	$0.99	$2.58	$2.74	$2.86	$2.86
Book Value/Share	$30.39	$30.86	$32.01	$32.75	$33.65	$33.96	$34.47	$34.39	$34.50	$34.37	$37.45	$37.43	$37.43	$36.55	$37.52	$37.63	$37.82	$38.07	$39.89	$39.76	$40.31
Tangible Book/Share	$28.66	$29.10	$30.34	$31.05	$31.90	$32.19	$32.79	$32.72	$32.82	$32.70	$35.85	$35.83	$35.83	$34.98	$34.94	$35.04	$35.22	$35.45	$37.36	$37.24	$37.24
Revenue/Share	$10.17	$10.65	$10.93	$11.25	$11.56	$11.96	$12.38	$12.95	$14.00	$15.29	$16.46	$17.71	$18.74	$18.98	$18.77	$19.60	$20.21	$20.45	$20.48	$20.13	$20.19
FCF/Share	$1.89	$1.80	$1.36	$1.00	$2.10	$2.90	$3.65	$4.04	$4.21	$4.11	$3.34	$2.99	$2.86	$1.84	$1.89	$1.36	$1.22	$1.79	$3.04	$3.60	$3.61
OCF/Share	$2.05	$1.90	$1.91	$1.57	$2.68	$3.48	$3.75	$4.14	$4.40	$4.35	$3.60	$3.23	$3.03	$2.02	$2.11	$1.60	$1.44	$1.99	$3.17	$3.74	$3.75
Cash/Share	$20.82	$21.14	$16.72	$17.11	$17.58	$17.74	$16.74	$16.70	$16.75	$16.69	$19.63	$19.61	$19.62	$19.15	$32.59	$32.68	$32.85	$33.06	$40.74	$40.61	$26.75
EBITDA/Share	$3.63	$4.16	$4.60	$4.92	$5.19	$5.48	$5.67	$5.71	$5.57	$5.54	$5.04	$4.65	$4.53	$2.19	$2.16	$2.40	$1.63	$3.67	$3.78	$3.84	$3.84
Debt/Share	$2.76	$2.81	$2.74	$2.81	$2.88	$2.91	$4.20	$4.19	$4.21	$4.19	$3.79	$3.78	$3.78	$3.69	$3.28	$3.29	$3.31	$3.33	$3.12	$3.11	$3.11
Net Debt/Share	$-18.05	$-18.33	$-13.98	$-14.31	$-14.70	$-14.83	$-12.54	$-12.51	$-12.55	$-12.50	$-15.84	$-15.83	$-15.83	$-15.46	$-29.30	$-29.39	$-29.54	$-29.73	$-37.62	$-37.50	$-37.50

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.725
Altman Z-Prime	snapshot only																				6.427
Piotroski F-Score	6	7	7	7	7	7	6	6	7	6	4	4	4	5	6	6	6	7	8	8	8
Beneish M-Score	-2.18	-2.19	-2.63	-2.64	-2.63	-2.62	-2.36	-2.27	-2.03	-2.06	-1.85	-1.92	-2.13	-1.91	-2.12	-2.17	-1.80	-2.33	217.02	217.91	217.913
Ohlson O-Score	snapshot only																				-6.266
ROIC (Greenblatt)	snapshot only																				1.19%
Net-Net WC	snapshot only																				$11.82
EVA	snapshot only																				$17922700.00

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																				A
Credit Score	77.88	81.45	77.55	76.77	81.69	83.22	86.71	86.63	86.66	86.61	84.19	84.34	81.89	68.11	64.25	60.97	56.14	68.00	73.64	72.34	72.345
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				11.371
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				67
Sector Credit Rank	snapshot only																				62

BPRN 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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