$49.32

-0.10 (-0.20%)

Weekly Expected Move ±3.8%

$44 $46 $47 $49 $51

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 60 · $834.2M mcap · 17M float · 0.595% daily turnover · Short 63% 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

45.1 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 23.2% · 5Y Avg: 12.1%

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. CAC shows a Weak competitive edge (45.1/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 23.2% 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

$50

Low

$53

Avg Target

$56

High

Based on 2 analysts since Apr 28, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 4Hold: 2Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$53.00

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-29	Raymond James	—	Initiated	$56	—	+12.0%	$50.02
2026-04-29	National Bank	Damon DelMonte	$47	$50	+3	-1.3%	$50.67
2026-02-05	Stephens	—	Initiated	$53	—	+4.1%	$50.91
2026-01-28	National Bank	—	$45	$47	+2	-0.8%	$47.38
2025-10-29	National Bank	Damon DelMonte	Initiated	$45	—	+19.3%	$37.71
2024-09-11	Keefe Bruyette & Woods	Damon DelMonte	Initiated	$41	—	+8.1%	$37.92
2023-06-29	Rosenblatt Securities	Hans Mosesmann	Initiated	$100	—	+213.9%	$31.86

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.

A-

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. CAC receives an overall rating of A-. Strongest factors: DCF (5/5), ROE (4/5), ROA (4/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-04-29	B	A-
2026-04-28	A-	B
2026-04-27	B+	A-
2026-04-24	A-	B+
2026-04-21	B+	A-
2026-04-14	A-	B+
2026-04-01	B+	A-
2026-01-03	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.

★ ★ ★ ★ ★ 60 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. CAC scores highest in Earnings Quality (89/100) and lowest in Balance Sheet (55/100). An overall grade of A places CAC 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

2.86

Grey Zone

Piotroski F-Score

9/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Beneish M-Score

-2.77

Unlikely Manipulator

Ohlson O-Score

-5.35

Bankruptcy prob: 0.5%

Low Risk

Credit Rating

Score: 71.2/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.04x

Accruals: -0.0%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. CAC scores 2.86, 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. CAC scores 9/9, 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. CAC's score of -2.77 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. CAC'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. CAC receives an estimated rating of A (score: 71.2/100), 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). CAC'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

10.50x

PEG

0.21x

P/S

2.33x

P/B

1.18x

P/FCF

10.43x

P/OCF

9.71x

EV/EBITDA

4.80x

EV/Revenue

1.18x

EV/EBIT

5.30x

EV/FCF

5.46x

Earnings Yield

9.90%

FCF Yield

9.59%

Shareholder Yield

3.73%

Graham Number

$65.89

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 10.5x earnings, CAC trades at a reasonable valuation. An earnings yield of 9.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $65.89 per share, suggesting a potential 34% 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

0.793

NI / EBT

Interest Burden

1.264

EBT / EBIT

EBIT Margin

0.222

EBIT / Rev

Asset Turnover

0.056

Rev / Assets

Equity Multiplier

10.409

Assets / Equity

ROE

13.0%

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. CAC's ROE of 13.0% is driven by financial leverage (equity multiplier: 10.41x). 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

6.22%

Fair P/E

20.94x

Intrinsic Value

$98.41

Price/Value

0.48x

Margin of Safety

51.78%

Premium

-51.78%

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 CAC's realized 6.2% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $98.41, CAC appears undervalued with a 52% margin of safety. The adjusted fair P/E of 20.9x compares to the current market P/E of 10.5x.

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

$49.32

Median 1Y

$49.33

5th Pctile

$28.90

95th Pctile

$84.31

Ann. Volatility

34.7%

Analyst Target

$53.00

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
Simon R. Griffiths President & CEO	$856,731	$700,245	$2,318,520
Michael R. Archer EVP, CFO	$430,385	$159,483	$846,958
William H. Martel EVP, Chief Technology Officer	$370,962	$137,054	$742,136
Ryan A. Smith EVP, Chief Credit Officer	$371,923	$125,974	$726,058
Patricia A. Rose EVP, Retail & Mortgage Banking	$370,000	$125,974	$721,529

CEO Pay Ratio

4:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,318,520

Avg Employee Cost (SGA/emp): $597,240

Employees: 100

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

100

Revenue / Employee

$3,673,420

Rev: $367,342,000

Profit / Employee

$651,600

NI: $65,160,000

SGA / Employee

$597,240

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	14.5%	14.1%	12.9%	12.3%	11.8%	11.7%	12.4%	11.6%	11.0%	10.1%	9.2%	9.3%	9.2%	9.9%	10.3%	9.2%	9.6%	11.2%	10.6%	13.0%	12.99%
ROA	1.6%	1.5%	1.3%	1.3%	1.2%	1.2%	1.1%	1.0%	1.0%	0.9%	0.8%	0.8%	0.8%	0.8%	0.9%	0.8%	0.9%	1.0%	1.0%	1.2%	1.25%
ROIC	-15.0%	-14.6%	-7.4%	-7.1%	-6.8%	-6.7%	-5.8%	-5.5%	-5.2%	-4.8%	14.5%	14.7%	14.5%	15.6%	18.7%	16.6%	17.3%	20.2%	21.6%	23.2%	23.19%
ROCE	14.8%	14.5%	14.8%	14.2%	13.5%	13.4%	15.5%	14.5%	13.9%	12.7%	10.0%	10.0%	9.9%	10.6%	9.8%	8.2%	8.7%	10.3%	1.3%	1.2%	1.24%
Gross Margin	1.0%	92.5%	92.3%	97.0%	88.3%	82.1%	78.0%	68.8%	63.8%	60.1%	57.1%	60.5%	57.2%	58.8%	61.1%	55.7%	59.2%	64.8%	70.8%	66.8%	66.81%
Operating Margin	48.7%	39.4%	41.1%	44.2%	37.5%	33.6%	33.2%	26.8%	24.0%	19.6%	16.0%	23.3%	20.8%	21.5%	24.8%	7.0%	19.6%	28.6%	32.4%	20.5%	20.54%
Net Margin	39.0%	30.9%	32.7%	35.3%	30.0%	26.8%	26.4%	21.4%	19.1%	15.9%	13.2%	18.9%	16.8%	17.7%	19.7%	8.3%	15.5%	22.9%	23.5%	27.9%	27.92%
EBITDA Margin	51.0%	41.7%	43.2%	46.4%	39.6%	35.5%	35.0%	28.4%	25.5%	21.2%	17.6%	24.6%	22.1%	22.8%	26.1%	10.4%	22.7%	31.5%	34.0%	7.0%	6.98%
FCF Margin	60.5%	68.3%	72.6%	63.3%	64.5%	56.7%	49.3%	33.8%	27.6%	39.6%	25.9%	26.1%	24.2%	0.7%	19.1%	12.2%	8.8%	23.3%	15.8%	21.6%	21.56%
OCF Margin	61.4%	69.3%	73.6%	64.3%	65.4%	57.5%	50.3%	34.8%	28.5%	40.7%	27.0%	27.1%	25.5%	2.3%	21.0%	14.4%	10.9%	25.0%	17.4%	23.2%	23.16%
ROE 3Y Avg	snapshot only																				9.73%
ROE 5Y Avg	snapshot only																				10.82%
ROA 3Y Avg	snapshot only																				0.91%
ROIC Economic	snapshot only																				5.44%
Cash ROA	snapshot only																				1.19%
Cash ROIC	snapshot only																				26.48%
CROIC	snapshot only																				24.66%
NOPAT Margin	snapshot only																				20.28%
Pretax Margin	snapshot only																				28.10%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				20.91%
SBC / Revenue	snapshot only																				0.72%

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	8.12	8.45	8.70	8.92	8.78	8.60	8.60	8.10	7.34	7.39	11.59	10.32	10.41	12.17	11.34	14.19	13.78	11.36	11.19	10.10	10.495
P/S Ratio	2.98	3.05	3.10	3.07	2.83	2.67	2.53	2.10	1.70	1.52	2.01	1.74	1.69	2.04	2.07	2.17	2.07	1.88	1.98	2.25	2.331
P/B Ratio	1.12	1.13	1.11	1.09	1.02	0.99	1.17	1.03	0.89	0.82	1.02	0.92	0.92	1.15	1.13	1.26	1.27	1.22	1.05	1.16	1.178
P/FCF	4.92	4.47	4.26	4.85	4.38	4.72	5.13	6.23	6.18	3.84	7.75	6.66	7.01	283.16	10.86	17.84	23.55	8.09	12.52	10.43	10.432
P/OCF	4.85	4.41	4.21	4.78	4.33	4.65	5.02	6.04	5.97	3.74	7.45	6.41	6.66	88.35	9.87	15.10	18.94	7.53	11.40	9.71	9.712
EV/EBITDA	-4.42	-4.47	-9.58	-10.10	-11.02	-11.30	0.82	0.04	-0.82	-1.36	5.31	4.43	4.49	6.11	5.10	6.86	6.51	5.14	3.77	4.80	4.796
EV/Revenue	-2.12	-2.12	-4.50	-4.60	-4.71	-4.64	0.32	0.01	-0.25	-0.37	1.23	0.99	0.96	1.34	1.22	1.37	1.31	1.17	0.94	1.18	1.178
EV/EBIT	-4.64	-4.69	-10.06	-10.63	-11.62	-11.91	0.86	0.04	-0.87	-1.44	5.70	4.76	4.82	6.52	5.40	7.59	7.38	5.85	4.23	5.30	5.295
EV/FCF	-3.51	-3.11	-6.19	-7.26	-7.29	-8.18	0.65	0.04	-0.92	-0.94	4.73	3.79	3.98	185.90	6.38	11.22	14.93	5.01	5.93	5.46	5.461
Earnings Yield	12.3%	11.8%	11.5%	11.2%	11.4%	11.6%	11.6%	12.3%	13.6%	13.5%	8.6%	9.7%	9.6%	8.2%	8.8%	7.0%	7.3%	8.8%	8.9%	9.9%	9.90%
FCF Yield	20.3%	22.4%	23.5%	20.6%	22.8%	21.2%	19.5%	16.1%	16.2%	26.1%	12.9%	15.0%	14.3%	0.4%	9.2%	5.6%	4.2%	12.4%	8.0%	9.6%	9.59%
PEG Ratio	snapshot only																				0.214
Price/Tangible Book	snapshot only																				1.602
EV/OCF	snapshot only																				5.084
EV/Gross Profit	snapshot only																				1.800
Acquirers Multiple	snapshot only																				4.602
Shareholder Yield	snapshot only																				3.73%
Graham Number	snapshot only																				$65.89

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	0.29	0.29	0.35	0.35	0.35	0.35	0.15	0.15	0.15	0.15	0.14	0.14	0.14	0.14	0.15	0.15	0.15	0.15	1.77	1.77	1.767
Quick Ratio	0.29	0.29	0.35	0.35	0.35	0.35	0.15	0.15	0.15	0.15	0.14	0.14	0.14	0.14	0.15	0.15	0.15	0.15	1.77	1.77	1.767
Debt/Equity	0.47	0.47	0.47	0.47	0.47	0.47	0.69	0.69	0.69	0.69	1.07	1.07	1.07	1.07	1.03	1.03	1.03	1.03	0.92	0.92	0.925
Net Debt/Equity	-1.92	-1.92	-2.72	-2.72	-2.72	-2.72	-1.02	-1.02	-1.02	-1.02	-0.40	-0.40	-0.40	-0.40	-0.47	-0.47	-0.47	-0.47	-0.55	-0.55	-0.551
Debt/Assets	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.092
Debt/EBITDA	2.58	2.65	2.81	2.93	3.07	3.10	3.81	4.07	4.26	4.63	9.17	9.11	9.23	8.65	7.86	8.91	8.27	6.96	7.04	7.33	7.334
Net Debt/EBITDA	-10.62	-10.89	-16.18	-16.85	-17.64	-17.81	-5.69	-6.08	-6.35	-6.92	-3.39	-3.37	-3.41	-3.19	-3.57	-4.05	-3.76	-3.17	-4.19	-4.37	-4.366
Interest Coverage	6.69	7.35	7.84	7.90	7.02	5.09	3.07	1.75	1.13	0.79	0.57	0.52	0.48	0.49	0.56	0.47	0.49	0.59	0.70	0.70	0.699
Equity Multiplier	9.25	9.25	10.16	10.16	10.16	10.16	12.57	12.57	12.57	12.57	11.54	11.54	11.54	11.54	10.93	10.93	10.93	10.93	10.01	10.01	10.013
Cash Ratio	snapshot only																				1.767
Debt Service Coverage	snapshot only																				0.772
Cash to Debt	snapshot only																				1.595
FCF to Debt	snapshot only																				0.120
Defensive Interval	snapshot only																				2680.0 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	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.056
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	39.93	38.89	38.893
Payables Turnover	0.10	0.08	0.07	0.08	0.14	0.20	0.33	0.52	0.72	0.89	1.07	1.17	1.25	1.32	2.55	2.80	2.94	2.98	—	—	—
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	9	9	9.4 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	3796	4564	4916	4706	2625	1868	1100	696	505	410	341	311	291	276	143	131	124	122	0	0	—
Cash Conversion Cycle	-3796	-4564	-4916	-4706	-2625	-1868	-1100	-696	-505	-410	-341	-311	-291	-276	-143	-131	-124	-122	9	9	—
Cash Velocity	snapshot only																				0.348
Capital Intensity	snapshot only																				19.492

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	-3.3%	-3.9%	-4.9%	-5.4%	-1.8%	2.7%	7.8%	15.2%	20.7%	21.2%	19.7%	18.0%	13.4%	14.7%	15.7%	17.8%	22.1%	23.5%	26.8%	16.4%	16.37%
Net Income	34.7%	25.4%	16.0%	0.5%	-13.7%	-11.6%	-11.0%	-13.2%	-13.1%	-19.7%	-29.4%	-23.4%	-20.5%	-6.8%	22.2%	7.1%	12.9%	22.3%	22.9%	69.4%	69.40%
EPS	34.6%	25.4%	17.0%	1.7%	-11.9%	-9.7%	-9.3%	-12.0%	-12.5%	-19.3%	-29.5%	-23.4%	-20.7%	-6.4%	21.7%	-8.0%	-2.9%	4.3%	6.3%	70.1%	70.13%
FCF	7.0%	5.8%	8.2%	9.1%	4.7%	-14.8%	-26.9%	-38.5%	-48.4%	-15.3%	-37.0%	-8.8%	-0.6%	-97.9%	-14.7%	-45.0%	-55.5%	39.0%	5.1%	1.1%	1.06%
EBITDA	31.8%	23.9%	15.3%	0.9%	-12.6%	-11.3%	-10.8%	-13.0%	-12.9%	-19.2%	-28.8%	-23.5%	-21.0%	-8.3%	19.9%	5.2%	14.8%	27.8%	32.0%	43.6%	43.56%
Op. Income	34.1%	25.6%	16.5%	1.1%	-13.1%	-11.6%	-11.1%	-13.4%	-13.2%	-19.9%	-30.1%	-24.7%	-22.2%	-8.8%	21.6%	2.0%	8.8%	20.0%	24.7%	65.5%	65.55%
OCF Growth	snapshot only																				87.49%
Asset Growth	snapshot only																				20.15%
Equity Growth	snapshot only																				31.12%
Debt Growth	snapshot only																				18.23%
Shares Change	snapshot only																				-0.43%
Dividend Growth	snapshot only																				11.71%

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	3.9%	2.6%	1.3%	-0.3%	-0.7%	-0.4%	0.3%	2.2%	4.6%	6.2%	7.1%	8.7%	10.4%	12.6%	14.3%	17.0%	18.7%	19.7%	20.7%	17.4%	17.42%
Revenue 5Y	6.2%	4.0%	3.2%	2.9%	3.2%	3.6%	4.0%	4.8%	5.8%	6.1%	6.1%	6.2%	6.1%	6.6%	7.0%	8.2%	9.7%	11.1%	12.5%	12.0%	12.02%
EPS 3Y	31.8%	27.1%	11.1%	8.5%	6.3%	5.4%	4.3%	1.7%	1.2%	-2.9%	-9.2%	-11.8%	-15.1%	-11.9%	-8.0%	-14.7%	-12.3%	-7.6%	-3.0%	6.2%	6.22%
EPS 5Y	23.3%	18.8%	12.5%	10.8%	9.6%	9.3%	18.1%	14.4%	12.0%	8.4%	-2.6%	-2.9%	-3.6%	-2.4%	-0.6%	-5.8%	-4.4%	-2.2%	-0.7%	1.4%	1.40%
Net Income 3Y	30.0%	25.4%	9.2%	6.6%	4.3%	3.8%	2.4%	0.6%	0.4%	-3.8%	-10.0%	-12.6%	-15.8%	-12.9%	-8.4%	-10.7%	-7.9%	-2.9%	2.0%	11.6%	11.59%
Net Income 5Y	22.5%	18.1%	11.5%	9.7%	8.4%	8.0%	16.6%	12.9%	10.5%	6.9%	-4.0%	-4.2%	-4.7%	-3.5%	-1.5%	-3.6%	-1.9%	0.3%	1.8%	3.9%	3.93%
EBITDA 3Y	11.4%	10.4%	9.0%	6.6%	4.3%	3.6%	2.1%	0.3%	0.1%	-3.9%	-9.9%	-12.4%	-15.6%	-13.1%	-8.7%	-11.2%	-7.6%	-1.8%	4.1%	5.0%	4.95%
EBITDA 5Y	16.6%	12.7%	7.3%	5.9%	4.6%	4.2%	3.6%	1.9%	1.0%	-0.7%	-3.8%	-4.2%	-4.8%	-3.8%	-1.9%	-4.1%	-1.9%	0.8%	3.0%	0.3%	0.29%
Gross Profit 3Y	7.8%	7.2%	6.4%	5.4%	4.3%	4.0%	3.2%	2.0%	2.2%	-0.1%	-2.9%	-4.1%	-6.1%	-4.6%	-2.6%	-0.9%	1.9%	4.8%	8.7%	10.3%	10.34%
Gross Profit 5Y	8.3%	6.3%	5.3%	4.9%	4.4%	4.4%	3.9%	3.0%	2.5%	1.5%	0.2%	0.1%	-0.3%	0.4%	1.1%	1.7%	3.5%	4.7%	6.2%	5.5%	5.55%
Op. Income 3Y	12.5%	11.3%	9.6%	7.1%	4.7%	3.9%	2.5%	0.6%	0.4%	-3.8%	-10.2%	-12.9%	-16.3%	-13.6%	-8.9%	-12.7%	-9.8%	-4.3%	1.9%	8.4%	8.35%
Op. Income 5Y	19.1%	14.9%	8.5%	6.8%	5.4%	4.9%	4.3%	2.4%	1.4%	-0.5%	-3.9%	-4.3%	-5.0%	-3.9%	-1.8%	-4.8%	-3.0%	-0.5%	1.9%	2.2%	2.19%
FCF 3Y	31.8%	26.5%	33.4%	49.1%	80.0%	1.3%	53.3%	4.1%	62.9%	70.2%	61.9%	-15.1%	-18.7%	-75.3%	-26.8%	-32.5%	-38.9%	-11.0%	-17.3%	1.1%	1.10%
FCF 5Y	50.9%	40.7%	20.4%	9.7%	11.9%	12.2%	13.2%	9.6%	4.4%	7.9%	1.8%	13.2%	24.5%	-26.1%	14.1%	1.3%	13.8%	32.6%	30.6%	-7.1%	-7.07%
OCF 3Y	30.0%	25.0%	30.4%	42.5%	68.2%	1.0%	47.4%	1.6%	50.7%	60.3%	54.7%	-14.5%	-17.7%	-63.8%	-24.7%	-29.0%	-34.6%	-9.3%	-15.3%	2.5%	2.51%
OCF 5Y	46.2%	38.0%	20.0%	9.6%	11.5%	11.6%	12.5%	8.9%	3.9%	7.4%	1.0%	10.7%	20.5%	-13.9%	13.1%	57.8%	12.7%	29.1%	28.5%	-6.1%	-6.06%
Assets 3Y	6.4%	6.4%	8.6%	8.6%	8.6%	8.6%	8.6%	8.6%	8.6%	8.6%	5.3%	5.3%	5.3%	5.3%	1.8%	1.8%	1.8%	1.8%	7.1%	7.1%	7.13%
Assets 5Y	5.7%	5.7%	7.3%	7.3%	7.3%	7.3%	6.9%	6.9%	6.9%	6.9%	5.9%	5.9%	5.9%	5.9%	5.6%	5.6%	5.6%	5.6%	7.3%	7.3%	7.32%
Equity 3Y	9.5%	9.5%	7.5%	7.5%	7.5%	7.5%	-1.6%	-1.6%	-1.6%	-1.6%	-2.2%	-2.2%	-2.2%	-2.2%	-0.6%	-0.6%	-0.6%	-0.6%	15.6%	15.6%	15.57%
Book Value 3Y	11.0%	11.0%	9.4%	9.4%	9.5%	9.2%	0.2%	-0.4%	-0.7%	-0.7%	-1.4%	-1.4%	-1.4%	-1.2%	-0.2%	-5.1%	-5.4%	-5.4%	9.9%	10.0%	10.01%
Dividend 3Y	3.2%	3.4%	3.8%	5.6%	5.7%	5.3%	5.6%	3.7%	3.0%	2.7%	2.3%	2.0%	1.6%	1.5%	0.5%	-3.3%	-2.3%	-1.2%	-0.1%	-1.2%	-1.23%

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	0.85	0.74	0.62	0.50	0.50	0.54	0.54	0.58	0.64	0.67	0.66	0.62	0.63	0.64	0.65	0.70	0.75	0.80	0.81	0.90	0.901
Earnings Stability	0.84	0.87	0.78	0.78	0.70	0.73	0.68	0.54	0.37	0.23	0.03	0.11	0.14	0.20	0.23	0.49	0.39	0.25	0.05	0.00	0.000
Margin Stability	0.92	0.92	0.93	0.92	0.91	0.92	0.93	0.92	0.89	0.87	0.85	0.84	0.81	0.80	0.80	0.79	0.80	0.81	0.82	0.82	0.817
Rev. Growth Consistency	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	1.00	1.000
Earn. Growth Consistency	0.50	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.000
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	0.86	0.90	0.94	1.00	0.95	0.95	0.96	0.95	0.95	0.92	0.88	0.91	0.92	0.97	0.91	0.97	0.95	0.91	0.91	0.50	0.500
Earnings Smoothness	0.70	0.77	0.85	0.99	0.85	0.88	0.88	0.86	0.86	0.78	0.66	0.73	0.77	0.93	0.80	0.93	0.88	0.80	0.79	0.48	0.485
ROE Trend	0.02	0.01	0.01	0.00	-0.01	-0.01	0.02	0.00	-0.01	-0.01	-0.04	-0.04	-0.03	-0.02	-0.01	-0.02	-0.01	0.00	-0.00	0.03	0.026
Gross Margin Trend	0.16	0.16	0.15	0.12	0.06	0.01	-0.04	-0.13	-0.21	-0.25	-0.29	-0.27	-0.24	-0.20	-0.15	-0.12	-0.07	-0.03	0.02	0.06	0.062
FCF Margin Trend	0.51	0.61	0.62	0.36	0.31	0.18	0.09	-0.25	-0.35	-0.23	-0.35	-0.22	-0.22	-0.47	-0.18	-0.18	-0.17	0.03	-0.07	0.02	0.024
Sustainable Growth Rate	10.5%	10.0%	9.0%	8.2%	7.5%	7.4%	7.6%	6.8%	6.2%	5.2%	4.0%	4.1%	4.0%	4.7%	5.5%	4.2%	4.4%	5.8%	6.0%	8.3%	8.34%
Internal Growth Rate	1.1%	1.1%	0.9%	0.9%	0.8%	0.8%	0.7%	0.6%	0.6%	0.5%	0.3%	0.3%	0.3%	0.4%	0.5%	0.4%	0.4%	0.5%	0.6%	0.8%	0.81%

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	1.68	1.92	2.07	1.87	2.03	1.85	1.71	1.34	1.23	1.98	1.56	1.61	1.56	0.14	1.15	0.94	0.73	1.51	0.98	1.04	1.040
FCF/OCF	0.98	0.99	0.99	0.98	0.99	0.99	0.98	0.97	0.97	0.97	0.96	0.96	0.95	0.31	0.91	0.85	0.80	0.93	0.91	0.93	0.931
FCF/Net Income	snapshot only																				0.968
OCF/EBITDA	snapshot only																				0.943
CapEx/Revenue	0.9%	1.0%	1.0%	1.0%	0.8%	0.8%	1.0%	1.0%	1.0%	1.1%	1.0%	1.0%	1.3%	1.6%	1.9%	2.2%	2.1%	1.7%	1.6%	1.6%	1.60%
CapEx/Depreciation	snapshot only																				0.691
Accruals Ratio	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.01	-0.00	-0.00	-0.00	0.01	-0.00	0.00	0.00	-0.01	0.00	-0.00	-0.000
Sloan Accruals	snapshot only																				0.749
Cash Flow Adequacy	snapshot only																				2.421
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	3.4%	3.5%	3.5%	3.7%	4.1%	4.3%	4.5%	5.1%	6.0%	6.5%	4.9%	5.4%	5.4%	4.3%	4.1%	3.8%	3.9%	4.2%	3.9%	3.5%	3.41%
Dividend/Share	$1.35	$1.38	$1.42	$1.49	$1.53	$1.57	$1.61	$1.62	$1.64	$1.66	$1.68	$1.68	$1.68	$1.69	$1.67	$1.50	$1.55	$1.61	$1.68	$1.68	$1.68
Payout Ratio	27.7%	29.2%	30.5%	33.4%	35.8%	36.8%	38.3%	41.4%	43.8%	48.2%	56.6%	55.9%	56.4%	52.4%	46.3%	54.2%	53.9%	48.0%	43.7%	35.8%	35.76%
FCF Payout Ratio	16.8%	15.4%	15.0%	18.2%	17.9%	20.2%	22.8%	31.8%	36.9%	25.1%	37.8%	36.0%	37.9%	12.2%	44.4%	68.2%	92.1%	34.2%	48.9%	36.9%	36.94%
Total Payout Ratio	30.1%	36.9%	45.2%	49.5%	63.6%	61.0%	54.9%	58.3%	52.6%	52.8%	61.2%	60.4%	56.4%	52.6%	46.4%	54.7%	54.3%	48.2%	43.9%	37.6%	37.62%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0	1	1	1	0	1	1
Chowder Number	0.09	0.10	0.10	0.15	0.16	0.16	0.16	0.13	0.12	0.12	0.09	0.09	0.08	0.06	0.04	0.08	0.12	0.16	0.20	0.15	0.153
Buyback Yield	0.3%	0.9%	1.7%	1.8%	3.2%	2.8%	1.9%	2.1%	1.2%	0.6%	0.4%	0.4%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.2%	0.18%
Net Buyback Yield	0.3%	0.9%	1.7%	1.8%	3.2%	2.8%	1.9%	2.1%	1.2%	0.6%	0.4%	0.4%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.2%	0.18%
Total Shareholder Return	3.7%	4.4%	5.2%	5.5%	7.3%	7.1%	6.4%	7.2%	7.2%	7.1%	5.3%	5.9%	5.4%	4.3%	4.1%	3.9%	3.9%	4.2%	3.9%	3.7%	3.72%

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	0.80	0.80	0.80	0.80	0.80	0.80	0.80	0.80	0.81	0.81	0.81	0.82	0.81	0.85	0.84	0.83	0.83	0.79	0.793
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	0.96	1.26	1.264
EBIT Margin	0.46	0.45	0.45	0.43	0.41	0.39	0.37	0.33	0.29	0.26	0.22	0.21	0.20	0.20	0.23	0.18	0.18	0.20	0.22	0.22	0.222
Asset Turnover	0.04	0.04	0.04	0.04	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	0.056
Equity Multiplier	9.30	9.30	9.71	9.71	9.71	9.71	11.26	11.26	11.26	11.26	12.03	12.03	12.03	12.03	11.22	11.22	11.22	11.22	10.41	10.41	10.409

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)	$4.86	$4.72	$4.65	$4.46	$4.28	$4.26	$4.21	$3.92	$3.75	$3.44	$2.97	$3.00	$2.97	$3.22	$3.61	$2.76	$2.88	$3.36	$3.84	$4.70	$4.70
Book Value/Share	$35.27	$35.29	$36.43	$36.52	$36.81	$36.89	$30.95	$30.84	$30.90	$30.91	$33.88	$33.85	$33.80	$34.08	$36.22	$31.18	$31.18	$31.18	$41.07	$41.06	$41.85
Tangible Book/Share	$28.77	$28.79	$29.91	$29.98	$30.22	$30.28	$24.35	$24.26	$24.31	$24.32	$27.33	$27.31	$27.27	$27.50	$29.74	$25.60	$25.60	$25.60	$29.62	$29.62	$29.62
Revenue/Share	$13.26	$13.07	$13.05	$12.95	$13.29	$13.72	$14.34	$15.11	$16.15	$16.71	$17.13	$17.84	$18.26	$19.27	$19.75	$18.05	$19.17	$20.28	$21.66	$21.09	$21.09
FCF/Share	$8.02	$8.93	$9.48	$8.20	$8.58	$7.78	$7.06	$5.10	$4.46	$6.62	$4.44	$4.65	$4.42	$0.14	$3.77	$2.20	$1.69	$4.72	$3.43	$4.55	$4.55
OCF/Share	$8.14	$9.06	$9.61	$8.33	$8.69	$7.89	$7.21	$5.26	$4.61	$6.80	$4.62	$4.84	$4.65	$0.44	$4.15	$2.59	$2.10	$5.07	$3.77	$4.89	$4.89
Cash/Share	$84.07	$84.11	$116.32	$116.59	$117.52	$117.76	$52.90	$52.71	$52.81	$52.84	$49.66	$49.61	$49.54	$49.95	$54.05	$46.53	$46.53	$46.53	$60.60	$60.59	$3.68
EBITDA/Share	$6.37	$6.21	$6.13	$5.90	$5.68	$5.63	$5.57	$5.19	$4.98	$4.57	$3.96	$3.98	$3.92	$4.22	$4.73	$3.59	$3.87	$4.59	$5.40	$5.18	$5.18
Debt/Share	$16.44	$16.45	$17.23	$17.27	$17.40	$17.44	$21.23	$21.15	$21.19	$21.20	$36.27	$36.23	$36.18	$36.48	$37.16	$31.99	$31.99	$31.99	$37.99	$37.98	$37.98
Net Debt/Share	$-67.62	$-67.66	$-99.09	$-99.32	$-100.11	$-100.32	$-31.67	$-31.56	$-31.62	$-31.63	$-13.39	$-13.38	$-13.36	$-13.47	$-16.90	$-14.54	$-14.54	$-14.54	$-22.62	$-22.61	$-22.61

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.863
Altman Z-Prime	snapshot only																				0.886
Piotroski F-Score	7	8	7	6	6	6	6	6	6	6	5	6	5	5	8	6	7	8	7	9	9
Beneish M-Score	-2.77	-2.64	-2.57	-2.57	-2.37	-2.32	-2.14	-1.90	-1.87	-2.04	-2.18	-2.25	-2.33	-2.24	-2.37	-2.21	-2.24	-2.32	-2.07	-2.77	-2.770
Ohlson O-Score	snapshot only																				-5.351
ROIC (Greenblatt)	snapshot only																				17.84%
Net-Net WC	snapshot only																				$-309.49
EVA	snapshot only																				$41277561.52

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	86.48	89.59	88.11	84.70	82.82	82.90	72.18	56.80	49.24	62.50	47.06	47.72	47.38	51.68	57.86	53.17	52.70	56.95	67.41	71.24	71.237
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				18.063
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				64
Sector Credit Rank	snapshot only																				61

CAC 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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