$40.45

+0.65 (+1.63%)

Weekly Expected Move ±5.5%

$36 $38 $40 $43 $45

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 70 · $658.9M mcap · 11M float · 0.660% daily turnover · Short 45% of daily vol

Edge Score

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

WEAK EDGE

48.1 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 15.3% · 5Y Avg: -210.2%

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. CBNK shows a Weak competitive edge (48.1/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 15.3% 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

$42

Low

$42

Avg Target

$42

High

Based on 1 analyst since Jul 27, 2026 earnings

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$42.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-01	Hovde Group	—	Initiated	$42	—	+6.8%	$39.31
2025-10-30	Stephens	—	$28	$37	+9	+32.2%	$28.00
2024-04-01	Stephens	Brody Preston	Initiated	$28	—	+35.5%	$20.67

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-

Oct 02, 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. CBNK receives an overall rating of A-. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-07-30	B+	A-
2026-07-28	A-	B+
2026-05-11	B+	A-
2026-04-28	A-	B+
2026-04-27	A+	A-
2026-04-27	A	A+
2026-04-01	A-	A
2026-03-10	A	A-
2026-03-04	A-	A
2026-03-02	A	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 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. CBNK scores highest in Earnings Quality (92/100) and lowest in Balance Sheet (51/100). An overall grade of A places CBNK 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

2.68

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓ ✗

Beneish M-Score

-2.16

Unlikely Manipulator

Ohlson O-Score

-4.98

Bankruptcy prob: 0.7%

Low Risk

Credit Rating

AA-

Score: 84.8/100

Trend: Stable

Earnings Quality

100/100

OCF/NI: 1.21x

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. CBNK scores 2.68, 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. CBNK scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. CBNK's score of -2.16 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. CBNK's implied 0.7% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. CBNK receives an estimated rating of AA- (score: 84.8/100), with a stable 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). CBNK'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

11.79x

PEG

0.44x

P/S

2.25x

P/B

1.56x

P/FCF

8.81x

P/OCF

8.44x

EV/EBITDA

7.80x

EV/Revenue

1.31x

EV/EBIT

8.29x

EV/FCF

5.86x

Earnings Yield

9.80%

FCF Yield

11.34%

Shareholder Yield

3.43%

Graham Number

$44.69

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 11.8x earnings, CBNK trades at a reasonable valuation. An earnings yield of 9.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $44.69 per share, suggesting a potential 10% 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

0.763

NI / EBT

Interest Burden

1.601

EBT / EBIT

EBIT Margin

0.158

EBIT / Rev

Asset Turnover

0.080

Rev / Assets

Equity Multiplier

9.073

Assets / Equity

ROE

14.1%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. CBNK's ROE of 14.1% is driven by financial leverage (equity multiplier: 9.07x). 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.

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

9.23%

Fair P/E

26.96x

Intrinsic Value

$92.84

Price/Value

0.38x

Margin of Safety

62.17%

Premium

-62.17%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CBNK's realized 9.2% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CBNK trades at a -62% premium to its adjusted intrinsic value of $92.84, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 27.0x compares to the current market P/E of 11.8x.

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

$40.45

Median 1Y

$43.48

5th Pctile

$20.55

95th Pctile

$91.89

Ann. Volatility

45.0%

Analyst Target

$42.00

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
Edward F. Barry Chief Executive Officer	$726,250	$264,355	$1,380,010
Karl Dicker OpenSky nt of OpenSky ™ & Fintech	$404,547	$35,014	$768,029
Steven M. Poynot Chief Operating Officer	$415,000	$31,125	$748,568

CEO Pay Ratio

7:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,380,010

Avg Employee Cost (SGA/emp): $198,353

Employees: 434

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

434

+11.6% YoY

Revenue / Employee

$699,618

Rev: $303,634,000

Profit / Employee

$131,728

NI: $57,170,000

SGA / Employee

$198,353

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	23.3%	22.4%	22.4%	22.4%	21.3%	19.8%	19.0%	16.7%	15.7%	15.0%	13.2%	13.3%	12.4%	10.2%	12.2%	13.4%	14.7%	15.1%	14.2%	14.1%	14.05%
ROA	2.0%	2.0%	2.0%	2.0%	2.1%	2.0%	1.9%	1.7%	1.7%	1.6%	1.4%	1.4%	1.3%	1.1%	1.4%	1.5%	1.7%	1.7%	1.5%	1.5%	1.55%
ROIC	-13.7%	-30.2%	-16.4%	-18.3%	-75.2%	1.0%	-35.3%	-66.4%	-48.9%	21.6%	5.3%	-1.0%	-1.5%	38.1%	2.0%	3.8%	5.9%	29.6%	20.7%	15.3%	15.34%
ROCE	21.5%	21.8%	21.3%	21.4%	20.7%	15.3%	17.8%	16.6%	15.6%	14.2%	13.5%	13.1%	11.5%	9.6%	11.5%	13.1%	14.1%	5.5%	1.6%	1.2%	1.20%
Gross Margin	94.7%	95.0%	95.3%	92.9%	93.6%	81.8%	78.6%	75.7%	75.5%	72.1%	70.1%	70.1%	69.6%	64.4%	74.8%	72.6%	76.3%	72.1%	72.7%	72.8%	72.80%
Operating Margin	32.6%	30.8%	31.8%	32.5%	31.8%	24.8%	25.6%	18.5%	23.6%	21.2%	15.9%	19.2%	19.4%	15.1%	24.3%	22.3%	26.5%	24.6%	3.7%	5.9%	5.85%
Net Margin	24.2%	22.9%	23.9%	25.6%	24.4%	19.2%	19.7%	14.1%	18.1%	17.1%	12.1%	14.4%	14.6%	10.6%	18.5%	17.1%	20.1%	18.8%	17.7%	20.4%	20.37%
EBITDA Margin	32.7%	31.3%	32.7%	33.3%	32.5%	25.5%	26.3%	18.3%	24.4%	20.9%	16.5%	19.1%	17.6%	19.3%	25.5%	23.6%	28.0%	25.8%	5.0%	5.9%	5.85%
FCF Margin	81.1%	75.9%	49.2%	47.9%	41.8%	27.7%	26.1%	19.4%	21.9%	21.7%	16.0%	17.3%	7.0%	13.7%	22.3%	14.8%	24.6%	22.0%	22.1%	22.3%	22.29%
OCF Margin	81.2%	76.0%	49.2%	48.0%	42.2%	28.6%	28.2%	21.0%	23.4%	22.8%	15.8%	17.5%	6.8%	14.4%	23.2%	15.5%	25.9%	22.7%	23.0%	23.3%	23.26%
ROE 3Y Avg	snapshot only																				12.43%
ROE 5Y Avg	snapshot only																				14.74%
ROA 3Y Avg	snapshot only																				1.37%
ROIC 3Y Avg	snapshot only																				26.55%
ROIC Economic	snapshot only																				7.52%
Cash ROA	snapshot only																				1.75%
Cash ROIC	snapshot only																				29.67%
CROIC	snapshot only																				28.42%
NOPAT Margin	snapshot only																				12.03%
Pretax Margin	snapshot only																				25.24%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				31.37%
SBC / Revenue	snapshot only																				0.91%

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	8.20	8.88	7.56	6.87	7.37	7.76	5.51	6.60	7.24	9.16	8.64	8.30	10.85	15.18	12.37	12.93	10.77	8.13	8.85	10.20	11.793
P/S Ratio	1.83	2.04	1.77	1.66	1.79	1.80	1.22	1.27	1.28	1.58	1.33	1.28	1.58	1.94	1.80	1.98	1.79	1.51	1.63	1.96	2.251
P/B Ratio	1.71	1.79	1.55	1.43	1.48	1.45	0.97	1.03	1.07	1.29	1.09	1.04	1.26	1.32	1.28	1.47	1.36	1.16	1.20	1.36	1.560
P/FCF	2.25	2.69	3.60	3.47	4.28	6.51	4.67	6.53	5.87	7.26	8.30	7.37	22.43	14.24	8.10	13.41	7.31	6.90	7.40	8.81	8.815
P/OCF	2.25	2.69	3.59	3.46	4.23	6.31	4.33	6.03	5.49	6.93	8.40	7.30	23.15	13.46	7.78	12.78	6.93	6.66	7.09	8.44	8.444
EV/EBITDA	-2.81	0.45	-2.49	-2.53	0.79	2.54	-2.26	-0.98	-1.19	5.13	0.68	-0.49	1.23	4.45	2.28	3.11	2.06	3.24	4.73	7.80	7.798
EV/Revenue	-0.87	0.14	-0.80	-0.82	0.26	0.79	-0.66	-0.25	-0.28	1.15	0.14	-0.10	0.23	0.81	0.47	0.68	0.50	0.83	0.99	1.31	1.306
EV/EBIT	-2.89	0.46	-2.54	-2.57	0.81	2.61	-2.32	-1.00	-1.22	5.18	0.69	-0.50	1.21	4.69	2.41	3.31	2.25	3.41	5.04	8.29	8.287
EV/FCF	-1.07	0.19	-1.63	-1.71	0.62	2.84	-2.54	-1.29	-1.28	5.29	0.86	-0.57	3.25	5.94	2.12	4.58	2.03	3.80	4.51	5.86	5.862
Earnings Yield	12.2%	11.3%	13.2%	14.6%	13.6%	12.9%	18.1%	15.2%	13.8%	10.9%	11.6%	12.1%	9.2%	6.6%	8.1%	7.7%	9.3%	12.3%	11.3%	9.8%	9.80%
FCF Yield	44.4%	37.2%	27.8%	28.9%	23.4%	15.4%	21.4%	15.3%	17.0%	13.8%	12.1%	13.6%	4.5%	7.0%	12.3%	7.5%	13.7%	14.5%	13.5%	11.3%	11.34%
PEG Ratio	snapshot only																				0.436
Price/Tangible Book	snapshot only																				1.505
EV/OCF	snapshot only																				5.615
EV/Gross Profit	snapshot only																				1.778
Acquirers Multiple	snapshot only																				8.287
Shareholder Yield	snapshot only																				3.43%
Graham Number	snapshot only																				$44.69

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	0.27	0.21	0.26	0.26	0.18	0.18	0.21	0.17	0.18	0.08	0.15	0.17	0.17	0.12	0.14	0.14	0.15	0.13	0.72	0.86	0.859
Quick Ratio	0.27	0.21	0.26	0.26	0.18	0.18	0.21	0.17	0.18	0.08	0.15	0.17	0.17	0.12	0.14	0.14	0.15	0.13	0.72	0.86	0.859
Debt/Equity	0.18	0.17	0.17	0.16	0.16	0.58	0.19	0.14	0.14	0.19	0.13	0.16	0.23	0.10	0.09	0.09	0.09	0.13	0.15	0.12	0.123
Net Debt/Equity	-2.53	-1.67	-2.24	-2.13	-1.27	-0.82	-1.50	-1.24	-1.30	-0.35	-0.98	-1.12	-1.08	-0.77	-0.95	-0.97	-0.98	-0.52	-0.47	-0.46	-0.456
Debt/Assets	0.02	0.02	0.02	0.02	0.02	0.06	0.02	0.02	0.01	0.02	0.01	0.02	0.03	0.01	0.01	0.01	0.01	0.01	0.02	0.01	0.013
Debt/EBITDA	0.62	0.62	0.60	0.59	0.59	2.32	0.81	0.69	0.72	1.05	0.80	1.00	1.55	0.77	0.63	0.55	0.47	0.66	0.95	1.06	1.062
Net Debt/EBITDA	-8.73	-5.99	-8.01	-7.64	-4.71	-3.29	-6.43	-5.96	-6.64	-1.91	-5.94	-6.81	-7.28	-6.22	-6.45	-6.00	-5.37	-2.65	-3.03	-3.93	-3.929
Interest Coverage	6.63	8.23	10.19	11.82	11.24	5.40	2.98	1.82	1.30	1.11	0.92	0.87	0.79	0.71	0.83	0.88	1.03	1.16	0.89	0.67	0.670
Equity Multiplier	11.47	10.39	10.53	10.39	9.39	9.48	9.57	9.38	9.36	8.73	8.96	9.10	9.14	9.03	9.06	8.92	8.59	8.97	9.31	9.21	9.213
Cash Ratio	snapshot only																				4.754
Debt Service Coverage	snapshot only																				0.712
Cash to Debt	snapshot only																				4.701
FCF to Debt	snapshot only																				1.253
Defensive Interval	snapshot only																				570.7 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	0.09	0.09	0.08	0.08	0.08	0.09	0.09	0.09	0.09	0.10	0.09	0.09	0.09	0.09	0.09	0.10	0.10	0.09	0.08	0.08	0.080
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	22.86	21.69	22.54	23.65	22.58	20.70	21.34	22.21	21.15	19.84	12.58	18.46	18.40	17.17	12.12	19.72	18.58	14.44	16.52	16.93	16.931
Payables Turnover	10.43	12.33	10.93	15.69	15.69	22.17	20.53	20.80	15.81	15.48	14.24	12.77	9.65	10.24	9.92	11.31	10.04	8.82	8.41	10.52	10.519
DSO	16	17	16	15	16	18	17	16	17	18	29	20	20	21	30	19	20	25	22	22	21.6 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	35	30	33	23	23	16	18	18	23	24	26	29	38	36	37	32	36	41	43	35	34.7 days
Cash Conversion Cycle	-19	-13	-17	-8	-7	1	-1	-1	-6	-5	3	-9	-18	-14	-7	-14	-17	-16	-21	-13	-13.1 days
Fixed Asset Turnover	snapshot only																				16.567
Cash Velocity	snapshot only																				1.196
Capital Intensity	snapshot only																				13.289

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	33.5%	15.3%	7.2%	2.5%	0.1%	3.5%	6.1%	8.7%	13.9%	15.7%	14.1%	12.8%	10.6%	16.2%	23.3%	29.4%	33.3%	26.9%	14.0%	3.6%	3.63%
Net Income	86.3%	54.8%	29.3%	17.2%	8.8%	4.6%	0.3%	-13.8%	-16.6%	-14.2%	-20.9%	-9.6%	-9.4%	-13.7%	17.3%	28.8%	53.0%	84.6%	44.1%	30.3%	30.27%
EPS	80.6%	48.5%	25.3%	16.0%	7.7%	3.7%	0.8%	-12.2%	-14.6%	-11.6%	-18.9%	-8.5%	-8.9%	-27.8%	-3.6%	6.6%	26.7%	87.2%	48.4%	33.7%	33.68%
FCF	6.1%	24.4%	52.3%	-21.0%	-48.4%	-62.3%	-43.6%	-56.1%	-40.4%	-9.2%	-30.2%	0.8%	-64.5%	-27.1%	72.0%	10.4%	3.7%	1.0%	12.8%	56.3%	56.33%
EBITDA	72.9%	48.8%	25.2%	11.9%	5.2%	1.1%	-3.1%	-15.0%	-17.3%	-16.1%	-22.0%	-10.4%	-13.1%	-5.7%	27.3%	39.4%	74.0%	78.9%	16.1%	-20.2%	-20.23%
Op. Income	85.1%	53.3%	27.9%	14.4%	5.8%	0.7%	-3.6%	-15.1%	-17.1%	-14.8%	-20.9%	-9.8%	-9.4%	-9.5%	22.1%	32.4%	56.2%	79.2%	14.8%	-20.0%	-20.00%
OCF Growth	snapshot only																				55.44%
Asset Growth	snapshot only																				14.79%
Equity Growth	snapshot only																				11.10%
Debt Growth	snapshot only																				52.84%
Shares Change	snapshot only																				-2.55%
Dividend Growth	snapshot only																				27.07%

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	1.0%	58.5%	38.6%	24.5%	21.0%	18.6%	18.3%	17.4%	15.1%	11.3%	9.1%	7.9%	8.0%	11.6%	14.3%	16.6%	18.9%	19.5%	17.1%	14.8%	14.78%
Revenue 5Y	—	—	—	—	—	—	—	—	56.3%	36.7%	26.4%	18.8%	17.4%	17.5%	18.4%	18.7%	17.6%	15.3%	12.8%	11.0%	10.99%
EPS 3Y	1.2%	80.2%	58.8%	44.2%	39.8%	34.3%	35.2%	28.4%	18.5%	10.8%	0.8%	-2.3%	-5.7%	-12.9%	-7.6%	-5.1%	-0.5%	6.1%	5.1%	9.2%	9.23%
EPS 5Y	—	—	—	—	—	—	—	—	57.9%	39.9%	26.8%	19.2%	16.3%	9.1%	14.1%	15.6%	13.9%	13.0%	7.9%	5.8%	5.83%
Net Income 3Y	1.3%	82.0%	60.6%	45.5%	41.1%	35.3%	35.8%	29.1%	19.1%	11.6%	0.9%	-3.0%	-6.3%	-8.2%	-2.4%	0.2%	4.9%	11.0%	10.2%	14.9%	14.92%
Net Income 5Y	—	—	—	—	—	—	—	—	62.7%	40.2%	26.9%	19.2%	16.2%	12.9%	18.4%	20.2%	18.6%	17.2%	11.6%	8.9%	8.93%
EBITDA 3Y	1.3%	78.8%	56.9%	42.1%	37.9%	30.5%	30.5%	23.8%	14.6%	8.0%	-1.8%	-5.2%	-8.9%	-7.2%	-1.3%	2.0%	7.7%	12.3%	4.8%	-0.1%	-0.13%
EBITDA 5Y	—	—	—	—	—	—	—	—	59.7%	37.1%	23.9%	16.9%	13.5%	11.9%	17.1%	18.8%	17.8%	16.3%	6.9%	-1.1%	-1.07%
Gross Profit 3Y	1.1%	65.2%	44.7%	29.8%	26.3%	22.3%	20.9%	18.3%	13.5%	7.5%	2.9%	-0.0%	-1.5%	0.2%	3.2%	5.8%	8.8%	11.6%	10.8%	10.6%	10.61%
Gross Profit 5Y	—	—	—	—	—	—	—	—	53.9%	34.0%	23.2%	15.4%	13.7%	13.1%	15.0%	15.7%	14.8%	12.4%	8.9%	6.5%	6.46%
Op. Income 3Y	1.3%	80.9%	60.1%	44.0%	39.3%	33.7%	33.6%	27.5%	17.5%	9.6%	-0.8%	-4.3%	-7.4%	-8.1%	-2.4%	0.4%	5.5%	11.4%	3.5%	-1.5%	-1.51%
Op. Income 5Y	—	—	—	—	—	—	—	—	60.8%	38.4%	25.6%	18.0%	15.2%	13.0%	18.2%	19.9%	18.1%	16.4%	6.5%	-1.5%	-1.49%
FCF 3Y	2.9%	1.2%	82.9%	—	—	—	—	—	—	1.1%	-15.7%	-29.5%	-52.2%	-37.0%	-12.2%	-21.2%	-0.4%	10.6%	10.7%	20.3%	20.27%
FCF 5Y	—	—	—	—	—	—	—	—	77.4%	29.9%	19.2%	—	—	—	—	—	—	67.0%	3.1%	-9.6%	-9.59%
OCF 3Y	2.7%	1.2%	79.4%	—	—	—	—	—	—	1.1%	-16.1%	-29.4%	-52.7%	-35.8%	-11.1%	-20.0%	1.0%	10.7%	9.4%	18.8%	18.79%
OCF 5Y	—	—	—	—	—	—	—	—	75.9%	29.1%	17.5%	—	—	—	—	—	—	66.4%	3.9%	-8.9%	-8.91%
Assets 3Y	26.5%	23.0%	23.6%	20.4%	15.3%	14.2%	14.2%	6.9%	6.5%	5.9%	3.6%	4.3%	5.7%	16.0%	16.4%	16.3%	19.0%	19.3%	19.3%	20.4%	20.42%
Assets 5Y	—	—	—	—	—	—	—	—	16.2%	15.0%	15.6%	14.6%	14.3%	17.6%	17.3%	13.2%	12.5%	14.0%	12.7%	12.6%	12.57%
Equity 3Y	21.0%	20.0%	19.3%	19.0%	18.7%	18.9%	19.9%	18.7%	17.6%	17.0%	15.8%	14.8%	14.0%	21.5%	22.4%	22.4%	22.6%	21.5%	20.4%	21.2%	21.15%
Book Value 3Y	14.7%	18.8%	18.0%	17.9%	17.7%	18.0%	19.3%	18.0%	16.9%	16.2%	15.8%	15.5%	14.7%	15.3%	15.8%	16.0%	16.3%	16.2%	14.8%	15.2%	15.15%
Dividend 3Y	—	—	—	—	46.8%	63.6%	31.9%	16.7%	17.0%	7.6%	8.9%	10.4%	9.7%	4.8%	5.7%	6.8%	7.9%	6.5%	4.2%	2.1%	2.06%

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	0.96	0.96	0.95	0.92	0.90	0.89	0.85	0.82	0.90	0.91	0.91	0.92	0.94	0.98	0.97	0.95	0.92	0.90	0.91	0.89	0.888
Earnings Stability	0.96	0.99	0.98	0.93	0.97	0.97	0.93	0.76	0.82	0.81	0.66	0.55	0.43	0.34	0.41	0.41	0.39	0.37	0.40	0.39	0.391
Margin Stability	0.94	0.94	0.93	0.93	0.92	0.94	0.94	0.92	0.92	0.91	0.91	0.90	0.88	0.87	0.88	0.88	0.88	0.89	0.89	0.89	0.891
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	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	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.88	0.93	0.96	0.98	1.00	0.94	0.93	0.94	0.92	0.96	0.96	0.95	0.93	0.88	0.50	0.50	0.82	0.88	0.879
Earnings Smoothness	0.40	0.57	0.74	0.84	0.92	0.96	1.00	0.85	0.82	0.85	0.77	0.90	0.90	0.85	0.84	0.75	0.58	0.41	0.64	0.74	0.737
ROE Trend	0.08	0.06	0.05	0.04	0.03	0.00	-0.02	-0.05	-0.06	-0.05	-0.06	-0.06	-0.06	-0.08	-0.05	-0.03	-0.01	0.03	0.02	0.01	0.014
Gross Margin Trend	0.11	0.11	0.11	0.09	0.07	0.02	-0.05	-0.10	-0.16	-0.17	-0.17	-0.16	-0.16	-0.15	-0.10	-0.07	-0.02	0.02	0.02	0.02	0.023
FCF Margin Trend	1.04	0.86	0.43	0.31	0.12	-0.12	-0.16	-0.36	-0.40	-0.30	-0.22	-0.16	-0.25	-0.11	0.01	-0.04	0.10	0.04	0.03	0.06	0.062
Sustainable Growth Rate	22.9%	22.0%	21.6%	21.3%	20.2%	18.4%	17.5%	15.2%	14.1%	13.3%	11.5%	11.5%	10.6%	8.4%	10.3%	11.4%	12.7%	13.2%	12.2%	12.1%	12.09%
Internal Growth Rate	2.0%	2.0%	1.9%	1.9%	2.0%	1.9%	1.8%	1.6%	1.5%	1.5%	1.3%	1.3%	1.2%	1.0%	1.2%	1.3%	1.5%	1.5%	1.3%	1.4%	1.35%

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	3.64	3.30	2.10	1.98	1.74	1.23	1.27	1.09	1.32	1.32	1.03	1.14	0.47	1.13	1.59	1.01	1.55	1.22	1.25	1.21	1.208
FCF/OCF	1.00	1.00	1.00	1.00	0.99	0.97	0.93	0.92	0.94	0.95	1.01	0.99	1.03	0.95	0.96	0.95	0.95	0.97	0.96	0.96	0.958
FCF/Net Income	snapshot only																				1.157
OCF/EBITDA	snapshot only																				1.389
CapEx/Revenue	0.1%	0.0%	0.1%	0.1%	0.5%	0.9%	2.0%	1.6%	1.5%	1.0%	0.2%	0.2%	0.2%	0.8%	0.9%	0.7%	1.3%	0.8%	0.9%	1.0%	0.98%
CapEx/Depreciation	snapshot only																				0.989
Accruals Ratio	-0.05	-0.05	-0.02	-0.02	-0.02	-0.00	-0.01	-0.00	-0.01	-0.01	-0.00	-0.00	0.01	-0.00	-0.01	-0.00	-0.01	-0.00	-0.00	-0.00	-0.003
Sloan Accruals	snapshot only																				0.693
Cash Flow Adequacy	snapshot only																				6.332
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	0.2%	0.2%	0.4%	0.7%	0.7%	1.0%	1.4%	1.4%	1.4%	1.2%	1.5%	1.6%	1.3%	1.1%	1.2%	1.1%	1.3%	1.6%	1.6%	1.4%	1.24%
Dividend/Share	$0.05	$0.05	$0.10	$0.15	$0.16	$0.21	$0.23	$0.24	$0.26	$0.28	$0.30	$0.32	$0.34	$0.32	$0.34	$0.38	$0.41	$0.44	$0.46	$0.48	$0.50
Payout Ratio	1.7%	1.7%	3.4%	4.9%	5.2%	7.4%	7.8%	9.1%	10.2%	10.9%	12.8%	13.3%	14.6%	17.0%	15.2%	14.7%	14.0%	12.8%	13.7%	14.0%	14.00%
FCF Payout Ratio	0.5%	0.5%	1.6%	2.4%	3.0%	6.2%	6.6%	9.0%	8.3%	8.7%	12.3%	11.8%	30.1%	16.0%	9.9%	15.3%	9.5%	10.8%	11.5%	12.1%	12.10%
Total Payout Ratio	4.1%	1.7%	3.4%	4.9%	5.2%	7.4%	14.4%	22.7%	29.5%	35.5%	35.8%	28.7%	24.7%	21.5%	16.8%	22.8%	20.4%	33.3%	40.3%	35.0%	35.00%
Div. Increase Streak	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	—	—	—	—	2.26	3.49	1.34	0.63	0.64	0.28	0.31	0.33	0.31	0.36	0.40	0.44	0.49	0.40	0.32	0.25	0.252
Buyback Yield	0.3%	0.0%	0.0%	0.0%	0.0%	0.0%	1.2%	2.1%	2.7%	2.7%	2.7%	1.9%	0.9%	0.3%	0.1%	0.6%	0.6%	2.5%	3.0%	2.1%	2.06%
Net Buyback Yield	0.3%	0.0%	0.0%	0.0%	0.0%	0.0%	1.2%	2.1%	2.7%	2.7%	2.7%	1.8%	0.9%	0.2%	0.1%	0.6%	0.6%	2.3%	2.6%	1.7%	1.75%
Total Shareholder Return	0.5%	0.2%	0.4%	0.7%	0.7%	1.0%	2.6%	3.4%	4.1%	3.9%	4.1%	3.4%	2.2%	1.4%	1.3%	1.8%	1.9%	3.9%	4.2%	3.1%	3.12%

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)	0.74	0.74	0.74	0.76	0.76	0.77	0.78	0.77	0.77	0.78	0.77	0.77	0.77	0.74	0.74	0.75	0.75	0.76	0.76	0.76	0.763
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	1.23	1.60	1.601
EBIT Margin	0.30	0.31	0.31	0.32	0.32	0.30	0.29	0.25	0.23	0.22	0.20	0.20	0.19	0.17	0.20	0.20	0.22	0.24	0.20	0.16	0.158
Asset Turnover	0.09	0.09	0.08	0.08	0.08	0.09	0.09	0.09	0.09	0.10	0.09	0.09	0.09	0.09	0.09	0.10	0.10	0.09	0.08	0.08	0.080
Equity Multiplier	11.96	11.01	11.44	11.20	10.37	9.90	10.02	9.85	9.37	9.08	9.25	9.24	9.24	8.91	9.02	8.99	8.82	9.00	9.20	9.07	9.073

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)	$2.78	$2.80	$2.87	$3.01	$2.99	$2.90	$2.90	$2.64	$2.55	$2.56	$2.35	$2.42	$2.33	$1.85	$2.27	$2.58	$2.95	$3.47	$3.36	$3.44	$3.44
Book Value/Share	$13.29	$13.85	$14.05	$14.48	$14.89	$15.55	$16.43	$16.89	$17.32	$18.22	$18.64	$19.28	$20.08	$21.23	$21.84	$22.62	$23.44	$24.37	$24.87	$25.79	$25.92
Tangible Book/Share	$13.29	$13.85	$14.05	$14.48	$14.89	$15.55	$16.43	$16.89	$17.32	$18.22	$18.64	$19.28	$20.08	$19.02	$19.49	$20.37	$21.00	$21.99	$22.41	$23.33	$23.33
Revenue/Share	$12.46	$12.17	$12.27	$12.45	$12.35	$12.49	$13.08	$13.77	$14.42	$14.88	$15.31	$15.71	$16.02	$14.45	$15.53	$16.81	$17.70	$18.60	$18.22	$17.88	$17.97
FCF/Share	$10.10	$9.24	$6.03	$5.96	$5.15	$3.46	$3.42	$2.67	$3.15	$3.24	$2.45	$2.72	$1.13	$1.97	$3.46	$2.48	$4.35	$4.08	$4.02	$3.98	$4.00
OCF/Share	$10.11	$9.24	$6.04	$5.97	$5.21	$3.57	$3.68	$2.89	$3.37	$3.39	$2.42	$2.75	$1.09	$2.09	$3.60	$2.61	$4.58	$4.23	$4.19	$4.16	$4.18
Cash/Share	$35.97	$25.49	$33.91	$33.26	$21.24	$21.67	$27.72	$23.29	$24.98	$9.88	$20.65	$24.78	$26.19	$18.41	$22.71	$23.97	$24.96	$15.82	$15.25	$14.95	$15.02
EBITDA/Share	$3.85	$3.85	$3.94	$4.04	$4.00	$3.86	$3.83	$3.50	$3.40	$3.34	$3.06	$3.17	$2.96	$2.63	$3.21	$3.66	$4.27	$4.78	$3.83	$2.99	$2.99
Debt/Share	$2.39	$2.38	$2.38	$2.38	$2.37	$8.96	$3.09	$2.42	$2.43	$3.51	$2.45	$3.17	$4.59	$2.04	$2.01	$2.03	$2.02	$3.16	$3.63	$3.18	$3.18
Net Debt/Share	$-33.58	$-23.10	$-31.53	$-30.88	$-18.87	$-12.71	$-24.64	$-20.87	$-22.55	$-6.37	$-18.20	$-21.61	$-21.60	$-16.37	$-20.70	$-21.94	$-22.94	$-12.67	$-11.62	$-11.77	$-11.77

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.678
Altman Z-Prime	snapshot only																				0.506
Piotroski F-Score	8	8	8	7	5	5	5	6	7	6	6	5	4	5	6	7	7	8	7	7	7
Beneish M-Score	-2.77	-2.74	-2.59	-2.55	-2.51	-1.97	-2.06	-2.00	-1.97	-2.12	-1.22	-2.13	-2.32	-1.85	-2.47	-2.24	-2.04	-2.03	-2.77	-2.16	-2.163
Ohlson O-Score	snapshot only																				-4.980
ROIC (Greenblatt)	snapshot only																				4.44%
Net-Net WC	snapshot only																				$-209.10
EVA	snapshot only																				$12252218.03

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																				AA-
Credit Score	88.34	88.31	89.01	89.42	91.86	85.97	91.57	91.39	91.50	85.66	89.16	88.98	73.65	82.07	84.81	84.49	89.91	86.79	85.11	84.82	84.821
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				0.330
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				88
Sector Credit Rank	snapshot only																				78

CBNK 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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