$40.39

+1.24 (+3.17%)

Weekly Expected Move ±2.3%

$37 $38 $39 $40 $40

NASDAQ · Financial Services · Banks - Regional · Tech Score Strong Buy · Power 70 · $205.2M mcap · 5M float · 0.129% daily turnover · Short 70% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

38.5 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 3.9% · 5Y Avg: 13.4%

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. CBFV has No discernible competitive edge (38.5/100). The business operates without significant structural advantages. The primary source of advantage is Intangible Assets. ROIC of 3.9% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$44

Avg Target

$44

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$44.00

Analysts1

Consensus Change History

Date	Field	From	To
2026-08-03	consensus	Hold	Buy

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-30	D.A. Davidson	—	Initiated	$44	—	+14.0%	$38.60

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

Oct 27, 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. CBFV receives an overall rating of B-. Areas of concern: ROE (2/5), ROA (2/5), P/E (1/5).

Rating Change History

Date	From	To
2026-10-16	B	B-
2026-10-12	B+	B
2026-10-01	C+	B+
2026-08-20	B-	C+
2026-08-14	C+	B-
2026-07-30	B-	C+
2026-07-22	B	B-
2026-07-01	B-	B
2026-05-26	B	B-
2026-05-22	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. CBFV scores highest in Earnings Quality (90/100) and lowest in Growth (15/100). An overall grade of A places CBFV 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

1.94

Grey Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✗ ✓ ✗ ✓ ✗

Beneish M-Score

-6.69

Unlikely Manipulator

Ohlson O-Score

-4.38

Bankruptcy prob: 1.2%

Low Risk

Credit Rating

BB+

Score: 46.8/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 2.76x

Accruals: -0.8%

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. CBFV scores 1.94, 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. CBFV 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. CBFV's score of -6.69 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. CBFV's implied 1.2% 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. CBFV receives an estimated rating of BB+ (score: 46.8/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). CBFV'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

28.24x

PEG

-0.76x

P/S

2.82x

P/B

1.26x

P/FCF

10.47x

P/OCF

10.18x

EV/EBITDA

24.39x

EV/Revenue

3.11x

EV/EBIT

28.58x

EV/FCF

11.70x

Earnings Yield

3.56%

FCF Yield

9.55%

Shareholder Yield

2.84%

Graham Number

$30.30

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 28.2x earnings, CBFV commands a growth premium. Graham's intrinsic value formula yields $30.30 per share, 33% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.910

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.109

EBIT / Rev

Asset Turnover

0.046

Rev / Assets

Equity Multiplier

10.225

Assets / Equity

ROE

4.6%

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. CBFV's ROE of 4.6% is driven by financial leverage (equity multiplier: 10.22x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 0.91 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$11.45

Price/Value

3.31x

Margin of Safety

-230.92%

Premium

230.92%

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 CBFV's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CBFV trades at a 231% premium to its adjusted intrinsic value of $11.45, 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 28.2x.

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

$40.39

Median 1Y

$42.92

5th Pctile

$25.28

95th Pctile

$72.71

Ann. Volatility

30.2%

Analyst Target

$44.00

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
John H. Montgomery President & Chief Executive Officer	$473,879	$73,947	$753,865
James E. Mele Executive Vice President, Director of Specialty Deposits, Payment & Treasury Management Services	$285,000	$153,100	$525,519
Bruce A. Sharp Senior Executive Vice President & Chief Commercial Banking Officer	$285,010	$24,343	$427,144

CEO Pay Ratio

80:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $753,865

Avg Employee Cost (SGA/emp): $9,408

Employees: 169

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

169

+6.3% YoY

Revenue / Employee

$406,178

Rev: $68,644,000

Profit / Employee

$29,012

NI: $4,903,000

SGA / Employee

$9,408

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	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	Q2'26	Current
ROE	5.8%	8.6%	9.2%	9.8%	11.8%	9.2%	10.3%	13.0%	12.4%	18.0%	17.5%	17.3%	17.4%	8.8%	7.1%	8.0%	1.8%	3.2%	4.5%	4.6%	4.65%
ROA	0.5%	0.8%	0.8%	0.9%	1.0%	0.8%	0.9%	1.1%	1.0%	1.6%	1.6%	1.5%	1.6%	0.9%	0.7%	0.8%	0.2%	0.3%	0.4%	0.5%	0.45%
ROIC	-3.6%	-7.6%	-6.8%	-9.4%	-8.2%	-7.1%	-7.8%	-14.2%	-18.7%	12.8%	-17.7%	-9.7%	-9.9%	-9.9%	8.5%	9.8%	2.0%	-4.1%	4.9%	3.9%	3.88%
ROCE	7.1%	9.9%	10.8%	11.9%	14.6%	11.3%	11.8%	12.5%	11.5%	6.3%	14.3%	14.2%	14.7%	8.6%	6.2%	6.7%	1.5%	0.3%	0.5%	0.5%	0.50%
Gross Margin	93.2%	93.9%	94.2%	63.5%	90.9%	87.3%	83.8%	73.5%	69.1%	48.5%	67.1%	61.4%	59.4%	57.5%	64.5%	67.7%	24.9%	69.9%	70.8%	70.8%	70.80%
Operating Margin	21.3%	67.4%	30.9%	0.6%	35.1%	33.4%	31.3%	20.3%	18.0%	2.2%	26.4%	16.7%	19.4%	15.1%	12.7%	24.4%	-81.1%	24.3%	22.2%	23.3%	23.31%
Net Margin	17.4%	52.9%	24.4%	0.9%	28.0%	26.5%	24.6%	16.2%	14.8%	1.5%	21.7%	13.8%	15.8%	12.5%	10.4%	20.5%	-65.8%	21.9%	18.8%	19.7%	19.66%
EBITDA Margin	26.2%	72.1%	36.0%	5.7%	40.2%	37.9%	35.5%	24.5%	21.9%	2.2%	30.2%	20.2%	22.2%	17.4%	15.2%	26.8%	-75.8%	26.4%	24.4%	23.3%	23.31%
FCF Margin	9.9%	21.3%	19.1%	32.0%	36.3%	24.9%	29.9%	24.9%	31.3%	18.1%	9.9%	5.6%	-4.5%	4.3%	6.5%	14.5%	20.5%	25.1%	22.7%	26.6%	26.61%
OCF Margin	14.6%	26.1%	23.9%	32.8%	37.4%	25.9%	30.8%	27.4%	33.7%	23.6%	16.3%	12.0%	2.6%	8.5%	9.6%	16.4%	21.6%	26.0%	23.8%	27.4%	27.38%
ROE 3Y Avg	snapshot only																				9.34%
ROE 5Y Avg	snapshot only																				10.30%
ROA 3Y Avg	snapshot only																				0.88%
ROIC 3Y Avg	snapshot only																				10.68%
ROIC Economic	snapshot only																				2.77%
Cash ROA	snapshot only																				1.20%
Cash ROIC	snapshot only																				10.73%
CROIC	snapshot only																				10.43%
NOPAT Margin	snapshot only																				9.91%
Pretax Margin	snapshot only																				10.89%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				36.57%
SBC / Revenue	snapshot only																				0.80%

Valuation

Metric	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	Q2'26	Current
P/E Ratio	13.85	9.41	9.14	8.45	6.95	8.62	8.29	6.41	7.33	5.04	4.62	4.93	6.23	12.18	14.74	12.89	65.16	37.71	26.49	28.13	28.245
P/S Ratio	2.09	2.17	2.19	2.06	1.87	1.77	1.73	1.51	1.49	1.88	1.66	1.71	2.13	1.94	1.94	1.91	2.64	2.72	2.59	2.79	2.819
P/B Ratio	0.81	0.82	0.88	0.90	0.92	0.88	0.87	0.82	0.88	0.81	0.74	0.78	0.96	1.04	1.02	1.01	1.15	1.17	1.15	1.25	1.264
P/FCF	21.11	10.20	11.47	6.44	5.15	7.11	5.79	6.07	4.77	10.38	16.83	30.34	-47.61	44.67	29.96	13.20	12.86	10.85	11.41	10.47	10.474
P/OCF	14.28	8.34	9.15	6.28	5.00	6.85	5.62	5.52	4.42	7.98	10.17	14.23	82.87	22.73	20.21	11.67	12.20	10.45	10.90	10.18	10.179
EV/EBITDA	-19.62	-10.28	-10.84	-7.90	-8.88	-10.21	-9.45	-5.81	-4.38	4.54	-5.00	-8.08	-7.16	-6.81	8.52	7.49	31.58	-12.80	17.53	24.39	24.392
EV/Revenue	-4.65	-3.52	-3.81	-2.82	-3.46	-3.13	-2.92	-1.98	-1.30	2.49	-2.62	-4.05	-3.52	-1.53	1.60	1.53	2.32	-1.34	2.33	3.11	3.112
EV/EBIT	-24.92	-11.98	-12.67	-9.18	-10.19	-12.17	-11.14	-6.68	-5.10	4.96	-5.46	-8.82	-7.76	-7.88	9.98	8.51	50.03	-17.17	21.73	28.58	28.575
EV/FCF	-46.98	-16.50	-19.99	-8.81	-9.53	-12.56	-9.77	-7.98	-4.15	13.71	-26.49	-72.01	78.79	-35.21	24.72	10.56	11.31	-5.34	10.29	11.70	11.696
Earnings Yield	7.2%	10.6%	10.9%	11.8%	14.4%	11.6%	12.1%	15.6%	13.6%	19.8%	21.6%	20.3%	16.1%	8.2%	6.8%	7.8%	1.5%	2.7%	3.8%	3.6%	3.56%
FCF Yield	4.7%	9.8%	8.7%	15.5%	19.4%	14.1%	17.3%	16.5%	21.0%	9.6%	5.9%	3.3%	-2.1%	2.2%	3.3%	7.6%	7.8%	9.2%	8.8%	9.5%	9.55%
Price/Tangible Book	snapshot only																				1.332
EV/OCF	snapshot only																				11.368
EV/Gross Profit	snapshot only																				4.783
Acquirers Multiple	snapshot only																				28.575
Shareholder Yield	snapshot only																				2.84%
Graham Number	snapshot only																				$30.30

Leverage & Solvency

Metric	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	Q2'26	Current
Current Ratio	0.30	0.28	0.28	0.25	0.26	0.24	0.24	0.22	0.20	0.07	0.24	0.30	0.31	0.24	0.05	0.05	0.04	1980.81	99.52	1.17	1.171
Quick Ratio	0.30	0.28	0.28	0.25	0.26	0.24	0.24	0.22	0.20	0.07	0.24	0.30	0.31	0.24	0.05	0.05	0.04	1980.81	99.52	1.17	1.171
Debt/Equity	0.37	0.43	0.47	0.44	0.33	0.21	0.13	0.30	0.30	0.26	0.24	0.24	0.23	0.24	0.23	0.23	0.23	0.22	0.24	0.62	0.616
Net Debt/Equity	-2.62	-2.14	-2.41	-2.13	-2.61	-2.44	-2.35	-1.91	-1.64	0.26	-1.90	-2.62	-2.55	-1.86	-0.18	-0.20	-0.14	-1.75	-0.11	0.15	0.146
Debt/Assets	0.03	0.04	0.04	0.04	0.03	0.02	0.01	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.06	0.060
Debt/EBITDA	4.02	3.32	3.28	2.81	1.76	1.35	0.81	1.59	1.73	1.10	1.06	1.06	1.05	1.95	2.36	2.17	7.12	4.89	4.03	10.74	10.740
Net Debt/EBITDA	-28.43	-16.63	-17.05	-13.69	-13.68	-15.99	-15.05	-10.23	-9.40	1.10	-8.18	-11.49	-11.48	-15.44	-1.81	-1.87	-4.33	-38.81	-1.90	2.55	2.550
Interest Coverage	2.51	4.32	4.74	5.03	5.03	2.95	2.31	1.89	1.24	1.71	1.41	1.20	1.10	0.51	0.42	0.49	0.11	0.21	0.31	0.32	0.323
Equity Multiplier	11.26	10.71	11.78	12.19	13.36	12.79	12.21	12.29	12.19	10.43	10.40	10.92	10.47	10.05	10.00	10.23	10.14	9.82	9.97	10.22	10.219
Cash Ratio	snapshot only																				1.171
Debt Service Coverage	snapshot only																				0.378
Cash to Debt	snapshot only																				0.763
FCF to Debt	snapshot only																				0.194
Defensive Interval	snapshot only																				762.5 days

Efficiency & Turnover

Metric	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	Q2'26	Current
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.04	0.04	0.05	0.05	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.04	0.04	0.05	0.05	0.046
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	3.04	3.57	3.34	3.09	3.05	3.22	3.15	2.80	2.80	5.71	5.96	4.87	5.06	—	—	—	—	21.32	21.78	23.08	23.079
Payables Turnover	0.35	0.26	0.24	0.88	0.98	1.04	0.80	0.81	1.39	4.53	2.41	2.61	3.86	—	—	—	—	—	—	—	—
DSO	120	102	109	118	120	113	116	130	130	64	61	75	72	0	0	0	0	17	17	16	15.8 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	1047	1396	1521	414	372	351	459	449	263	81	151	140	94	0	0	0	0	0	0	0	—
Cash Conversion Cycle	-927	-1294	-1412	-296	-252	-237	-343	-319	-132	-17	-90	-65	-22	0	0	0	0	17	17	16	—
Fixed Asset Turnover	snapshot only																				3.818
Cash Velocity	snapshot only																				0.957
Capital Intensity	snapshot only																				22.749

Growth (YoY)

Metric	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	Q2'26	Current
Revenue	-8.2%	-8.1%	-9.3%	-5.9%	2.5%	9.4%	20.3%	28.3%	29.4%	10.3%	6.2%	2.2%	-0.2%	31.2%	24.4%	20.3%	-1.5%	-14.2%	-10.1%	-6.9%	-6.94%
Net Income	1.8%	2.1%	2.4%	2.0%	83.0%	-2.8%	5.0%	23.8%	-2.3%	1.0%	82.8%	49.9%	67.6%	-44.1%	-54.4%	-48.4%	-88.3%	-61.1%	-33.4%	-37.8%	-37.84%
EPS	1.9%	2.1%	2.4%	2.1%	92.7%	1.2%	4.1%	24.8%	-2.4%	99.2%	87.1%	48.9%	60.7%	-48.3%	-57.1%	-50.1%	-88.3%	-59.3%	-31.5%	-38.1%	-38.10%
FCF	-64.5%	-22.4%	-35.1%	1.3%	2.8%	27.9%	88.6%	-0.3%	11.5%	-19.8%	-64.9%	-76.9%	-1.1%	-68.6%	-18.3%	2.1%	5.5%	4.0%	2.1%	71.0%	70.98%
EBITDA	3.2%	3.8%	5.8%	3.2%	68.4%	-2.0%	5.7%	22.9%	-1.5%	96.7%	79.6%	49.9%	65.5%	-46.2%	-55.2%	-50.9%	-85.3%	-60.0%	-36.4%	-41.9%	-41.89%
Op. Income	2.1%	2.6%	3.3%	2.4%	86.4%	-4.2%	4.9%	24.1%	-2.9%	1.2%	94.1%	58.1%	77.8%	-49.3%	-58.3%	-52.9%	-89.9%	-65.5%	-39.9%	-43.6%	-43.63%
OCF Growth	snapshot only																				55.55%
Asset Growth	snapshot only																				9.12%
Equity Growth	snapshot only																				9.26%
Debt Growth	snapshot only																				1.87%
Shares Change	snapshot only																				0.41%
Dividend Growth	snapshot only																				6.00%

Growth (CAGR)

Metric	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	Q2'26	Current
Revenue 3Y	2.9%	-0.5%	-3.2%	-4.0%	-2.9%	-1.9%	0.9%	3.8%	6.8%	3.5%	5.0%	7.3%	9.8%	16.5%	16.7%	16.4%	8.4%	7.5%	5.9%	4.6%	4.58%
Revenue 5Y	5.9%	5.5%	5.2%	5.4%	6.2%	6.9%	8.0%	8.1%	7.7%	3.5%	3.0%	3.0%	3.4%	6.4%	6.3%	6.6%	3.7%	4.5%	5.3%	6.7%	6.68%
EPS 3Y	9.2%	19.0%	12.6%	6.4%	7.5%	-5.6%	1.7%	9.3%	—	—	—	—	44.6%	1.4%	-5.8%	-2.5%	-43.1%	-25.1%	-18.1%	-22.8%	-22.82%
EPS 5Y	-4.4%	3.3%	5.0%	6.3%	8.3%	5.5%	8.0%	20.8%	19.6%	27.7%	22.7%	17.5%	14.2%	-2.8%	-3.3%	-0.6%	—	—	—	—	—
Net Income 3Y	8.6%	17.9%	11.0%	4.5%	5.2%	-7.8%	0.5%	7.4%	—	—	—	—	44.2%	2.9%	-4.3%	-1.4%	-42.4%	-24.2%	-17.8%	-21.6%	-21.64%
Net Income 5Y	1.0%	8.8%	10.2%	11.3%	13.1%	10.1%	13.4%	21.1%	18.0%	26.2%	21.3%	16.2%	13.8%	-2.5%	-3.3%	-0.8%	—	—	—	—	—
EBITDA 3Y	5.1%	13.8%	6.8%	1.8%	3.2%	-5.3%	2.3%	8.0%	—	—	—	—	40.0%	1.2%	-5.3%	-3.3%	-37.9%	-24.9%	-20.0%	-24.7%	-24.68%
EBITDA 5Y	-1.3%	4.4%	5.5%	6.6%	8.2%	6.4%	10.3%	16.4%	14.0%	23.2%	18.3%	14.2%	12.4%	-2.1%	-2.9%	-1.5%	—	—	—	—	—
Gross Profit 3Y	7.7%	4.1%	0.5%	-3.8%	-2.6%	-2.2%	1.4%	4.5%	5.6%	-1.3%	-4.3%	-5.2%	-5.3%	0.5%	0.1%	4.4%	-4.8%	-3.0%	-2.5%	-3.8%	-3.75%
Gross Profit 5Y	8.0%	7.5%	7.1%	5.0%	5.7%	6.3%	7.7%	8.5%	6.4%	0.4%	-2.0%	-3.0%	-3.3%	-0.3%	0.3%	0.9%	-2.9%	-1.2%	-1.3%	-0.4%	-0.45%
Op. Income 3Y	8.2%	19.6%	11.4%	4.8%	5.8%	-4.3%	5.2%	12.7%	—	—	—	—	47.6%	1.4%	-5.3%	-2.6%	-44.2%	-27.8%	-21.4%	-25.1%	-25.13%
Op. Income 5Y	-1.5%	6.6%	7.7%	8.8%	10.4%	7.5%	11.7%	19.9%	18.0%	28.7%	23.0%	17.7%	15.3%	-0.9%	-1.2%	1.3%	—	—	—	—	—
FCF 3Y	5.5%	8.6%	-0.2%	1.7%	2.5%	-6.9%	-4.2%	-1.7%	14.2%	-7.3%	-24.6%	-19.3%	—	-31.5%	-18.5%	-10.6%	-10.4%	7.7%	-3.4%	7.0%	6.95%
FCF 5Y	-11.0%	6.6%	5.4%	25.7%	22.9%	12.0%	29.6%	29.4%	37.6%	5.6%	-8.0%	-24.7%	—	-27.3%	-24.1%	-7.4%	-0.8%	4.4%	2.0%	22.7%	22.73%
OCF 3Y	-6.8%	-1.5%	-5.2%	-2.7%	0.3%	-7.5%	-3.4%	1.3%	16.6%	0.4%	-11.8%	-6.1%	-38.5%	-19.7%	-13.8%	-7.7%	-9.7%	7.7%	-2.9%	4.6%	4.58%
OCF 5Y	-6.6%	4.9%	0.8%	9.3%	11.2%	4.1%	15.4%	14.6%	19.8%	0.8%	-5.7%	-15.1%	-38.3%	-17.7%	-17.9%	-5.2%	0.0%	4.7%	2.2%	16.2%	16.17%
Assets 3Y	5.6%	3.7%	3.4%	2.0%	2.4%	2.2%	2.9%	0.6%	0.2%	1.0%	-0.1%	2.2%	1.9%	1.3%	1.0%	3.1%	2.7%	3.2%	3.4%	5.0%	4.95%
Assets 5Y	12.1%	11.0%	10.6%	9.7%	9.4%	8.6%	8.2%	3.1%	2.2%	2.6%	2.5%	3.6%	3.3%	2.3%	2.5%	1.5%	2.1%	1.8%	1.4%	2.5%	2.53%
Equity 3Y	-0.7%	-1.1%	-4.8%	-7.9%	-10.4%	-10.0%	-8.2%	-8.5%	-4.8%	1.3%	1.9%	2.5%	4.4%	3.4%	6.7%	9.3%	12.6%	12.7%	10.6%	11.6%	11.61%
Book Value 3Y	-0.1%	-0.2%	-3.5%	-6.2%	-8.4%	-7.9%	-7.1%	-6.9%	-3.2%	3.0%	3.8%	4.4%	4.7%	2.0%	5.0%	8.0%	11.2%	11.2%	10.3%	9.9%	9.93%
Dividend 3Y	0.5%	0.8%	0.9%	0.7%	0.7%	0.7%	0.2%	1.5%	2.3%	3.0%	3.0%	2.6%	0.8%	-1.3%	-1.5%	-1.3%	-1.4%	-1.3%	0.5%	0.6%	0.56%

Growth Quality

Metric	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	Q2'26	Current
Revenue Stability	0.61	0.47	0.35	0.30	0.35	0.39	0.50	0.55	0.58	0.52	0.35	0.34	0.40	0.41	0.51	0.61	0.58	0.57	0.72	0.84	0.840
Earnings Stability	0.09	0.02	0.02	0.02	0.01	0.00	0.01	0.02	0.14	0.19	0.23	0.18	0.42	0.19	0.20	0.23	0.25	0.20	0.19	0.22	0.217
Margin Stability	0.94	0.94	0.94	0.96	0.94	0.94	0.93	0.95	0.92	0.90	0.87	0.87	0.84	0.83	0.82	0.85	0.83	0.85	0.83	0.81	0.815
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	0.50	0.50	1.00	0.00	1.00	1.00	0.00	0.50	1.00	1.00	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	0	1	1	1	0	1	1	1	1
Earnings Persistence	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.99	0.50	0.50	0.80	0.50	0.82	0.50	0.81	0.50	0.50	0.87	0.85	0.849
Earnings Smoothness	—	—	—	—	0.41	0.97	0.95	0.79	0.98	0.33	0.41	0.60	0.49	0.43	0.25	0.36	0.00	0.12	0.60	0.53	0.533
ROE Trend	0.05	0.08	0.09	0.11	0.14	0.10	0.09	0.12	0.02	0.07	0.06	0.04	0.03	-0.05	-0.06	-0.06	-0.12	-0.09	-0.07	-0.07	-0.073
Gross Margin Trend	0.12	0.12	0.11	-0.01	-0.02	-0.05	-0.10	-0.06	-0.12	-0.18	-0.22	-0.21	-0.21	-0.17	-0.14	-0.11	-0.11	-0.04	0.00	0.02	0.022
FCF Margin Trend	-0.18	-0.06	-0.12	0.11	0.19	0.02	0.07	0.02	0.08	-0.05	-0.15	-0.23	-0.38	-0.17	-0.13	-0.01	0.07	0.14	0.15	0.17	0.166
Sustainable Growth Rate	1.9%	4.8%	5.2%	5.7%	7.6%	5.2%	6.2%	8.7%	7.8%	14.0%	13.5%	13.4%	13.6%	5.2%	3.6%	4.5%	-1.6%	-0.2%	1.0%	1.2%	1.15%
Internal Growth Rate	0.2%	0.5%	0.5%	0.5%	0.6%	0.4%	0.5%	0.7%	0.6%	1.2%	1.2%	1.2%	1.2%	0.5%	0.4%	0.4%	—	—	0.1%	0.1%	0.11%

Cash Flow Quality

Metric	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	Q2'26	Current
OCF/Net Income	0.97	1.13	1.00	1.34	1.39	1.26	1.47	1.16	1.66	0.63	0.45	0.35	0.08	0.54	0.73	1.10	5.34	3.61	2.43	2.76	2.763
FCF/OCF	0.68	0.82	0.80	0.98	0.97	0.96	0.97	0.91	0.93	0.77	0.60	0.47	-1.74	0.51	0.67	0.88	0.95	0.96	0.95	0.97	0.972
FCF/Net Income	snapshot only																				2.686
OCF/EBITDA	snapshot only																				2.146
CapEx/Revenue	4.7%	4.8%	4.8%	0.8%	1.1%	0.9%	0.9%	2.5%	2.4%	5.5%	6.5%	6.4%	7.0%	4.2%	3.1%	1.9%	1.1%	1.0%	1.1%	0.8%	0.77%
CapEx/Depreciation	snapshot only																				0.411
Accruals Ratio	0.00	-0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	0.01	0.01	0.01	0.01	0.00	0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.008
Sloan Accruals	snapshot only																				0.790
Cash Flow Adequacy	snapshot only																				3.329
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	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	Q2'26	Current
Dividend Yield	4.9%	4.7%	4.7%	4.9%	5.1%	5.1%	4.8%	5.2%	5.0%	4.5%	4.9%	4.6%	3.6%	3.3%	3.4%	3.4%	2.9%	2.8%	2.9%	2.7%	2.72%
Dividend/Share	$0.96	$0.97	$0.98	$0.98	$0.97	$0.96	$0.94	$0.98	$0.99	$1.00	$0.99	$0.99	$0.96	$0.93	$0.94	$0.96	$0.96	$0.97	$0.99	$1.01	$1.10
Payout Ratio	67.6%	44.7%	43.3%	41.6%	35.3%	43.7%	40.1%	33.3%	36.8%	22.7%	22.6%	22.8%	22.3%	40.7%	49.8%	43.9%	1.9%	1.0%	76.7%	75.2%	75.24%
FCF Payout Ratio	1.0%	48.4%	54.4%	31.7%	26.2%	36.1%	28.0%	31.6%	23.9%	46.7%	82.4%	1.4%	—	1.5%	1.0%	45.0%	37.5%	30.1%	33.0%	28.0%	28.02%
Total Payout Ratio	99.6%	80.5%	1.1%	1.0%	80.7%	86.4%	52.7%	41.0%	40.0%	26.4%	25.8%	25.1%	25.9%	48.4%	82.2%	1.1%	4.7%	2.4%	1.5%	79.8%	79.78%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	1	1	1	0	0	0	1	0	0
Chowder Number	0.05	0.04	0.03	0.02	0.01	0.00	0.02	0.05	0.07	0.08	0.08	0.07	0.05	0.04	0.04	0.03	0.03	0.03	0.05	0.09	0.091
Buyback Yield	2.3%	3.8%	7.0%	7.4%	6.5%	5.0%	1.5%	1.2%	0.4%	0.7%	0.7%	0.5%	0.6%	0.6%	2.2%	5.2%	4.3%	3.7%	2.6%	0.2%	0.16%
Net Buyback Yield	2.3%	3.8%	7.0%	7.4%	6.5%	5.0%	1.5%	1.2%	0.4%	0.7%	0.7%	0.5%	0.6%	0.6%	2.2%	5.2%	4.3%	3.2%	2.0%	-0.5%	-0.54%
Total Shareholder Return	7.2%	8.6%	11.7%	12.3%	11.6%	10.0%	6.3%	6.4%	5.5%	5.2%	5.6%	5.1%	4.2%	4.0%	5.6%	8.6%	7.2%	6.0%	4.8%	2.1%	2.14%

DuPont Factors

Metric	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	Q2'26	Current
Tax Burden (NI/EBT)	0.81	0.79	0.80	0.80	0.79	0.80	0.80	0.79	0.80	0.74	0.75	0.75	0.75	0.82	0.82	0.82	0.87	0.93	0.91	0.91	0.910
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	0.19	0.29	0.30	0.31	0.34	0.26	0.26	0.30	0.25	0.50	0.48	0.46	0.45	0.19	0.16	0.18	0.05	0.08	0.11	0.11	0.109
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.04	0.04	0.05	0.05	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.04	0.04	0.05	0.05	0.046
Equity Multiplier	10.85	10.62	11.39	11.56	12.20	11.65	11.99	12.24	12.75	11.47	11.22	11.53	11.22	10.24	10.20	10.57	10.30	9.93	9.99	10.22	10.225

Per Share

Metric	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	Q2'26	Current
EPS (Diluted TTM)	$1.43	$2.18	$2.25	$2.35	$2.75	$2.20	$2.35	$2.93	$2.68	$4.39	$4.39	$4.36	$4.31	$2.27	$1.88	$2.18	$0.51	$0.92	$1.29	$1.35	$1.35
Book Value/Share	$24.30	$25.05	$23.40	$22.06	$20.85	$21.58	$22.27	$22.79	$22.40	$27.23	$27.53	$27.73	$27.89	$26.58	$27.10	$27.82	$28.66	$29.70	$29.85	$30.28	$31.95
Tangible Book/Share	$21.43	$22.22	$20.60	$19.32	$18.17	$18.99	$19.84	$20.37	$20.08	$25.14	$25.52	$25.77	$26.06	$24.74	$25.33	$26.00	$26.83	$27.86	$28.02	$28.46	$28.46
Revenue/Share	$9.45	$9.42	$9.42	$9.62	$10.20	$10.72	$11.24	$12.44	$13.19	$11.76	$12.22	$12.62	$12.62	$14.28	$14.29	$14.67	$12.49	$12.81	$13.21	$13.60	$14.35
FCF/Share	$0.94	$2.01	$1.80	$3.08	$3.70	$2.67	$3.36	$3.10	$4.12	$2.13	$1.21	$0.71	$-0.56	$0.62	$0.93	$2.13	$2.56	$3.21	$3.00	$3.62	$3.82
OCF/Share	$1.38	$2.46	$2.25	$3.16	$3.81	$2.77	$3.46	$3.41	$4.44	$2.77	$2.00	$1.51	$0.32	$1.22	$1.37	$2.40	$2.70	$3.34	$3.14	$3.72	$3.93
Cash/Share	$72.74	$64.31	$67.39	$56.62	$61.35	$57.02	$55.12	$50.26	$43.53	$0.00	$59.03	$79.37	$77.72	$55.74	$11.21	$12.12	$10.51	$58.57	$10.44	$14.21	$15.00
EBITDA/Share	$2.24	$3.22	$3.31	$3.43	$3.97	$3.29	$3.48	$4.25	$3.91	$6.43	$6.39	$6.32	$6.20	$3.20	$2.69	$3.00	$0.92	$1.34	$1.76	$1.74	$1.74
Debt/Share	$9.02	$10.70	$10.88	$9.66	$6.98	$4.45	$2.81	$6.77	$6.76	$7.10	$6.75	$6.73	$6.49	$6.26	$6.35	$6.51	$6.53	$6.55	$7.10	$18.64	$18.64
Net Debt/Share	$-63.71	$-53.61	$-56.50	$-46.96	$-54.37	$-52.58	$-52.32	$-43.49	$-36.77	$7.10	$-52.28	$-72.64	$-71.23	$-49.48	$-4.86	$-5.61	$-3.97	$-52.01	$-3.35	$4.42	$4.42

Academic Models

Metric	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	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.944
Altman Z-Prime	snapshot only																				0.408
Piotroski F-Score	7	7	5	5	7	6	6	8	5	4	6	5	5	6	4	5	4	7	6	5	5
Beneish M-Score	-2.99	-2.66	-2.20	-1.76	-1.85	-1.83	-2.12	-2.14	-2.08	-3.69	-3.05	-3.10	-3.10	-1.26	-2.48	-2.25	-2.48	-2.45	-2.42	-6.69	-6.693
Ohlson O-Score	snapshot only																				-4.378
ROIC (Greenblatt)	snapshot only																				26.29%
Net-Net WC	snapshot only																				$-264.89
EVA	snapshot only																				$-11364500.00

Credit

Metric	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	Q2'26	Current
Credit Rating	snapshot only																				BB+
Credit Score	48.10	52.68	52.92	68.70	74.46	64.94	78.31	71.83	74.50	75.83	74.11	73.93	68.61	56.66	47.05	61.15	42.54	68.40	62.29	46.76	46.756
Credit Grade	snapshot only																				11
Credit Trend	snapshot only																				-14.391
Implied Spread (bps)	snapshot only																				400.000
Industry Credit Rank	snapshot only																				31
Sector Credit Rank	snapshot only																				31

CBFV 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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