$34.42

+0.54 (+1.59%)

Weekly Expected Move ±1.9%

$33 $34 $34 $35 $36

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 44 · $221.5M mcap · 5M float · 1.33% daily turnover · Short 36% 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.

NO EDGE

34.2 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 43.0% · 5Y Avg: -10.5%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. CFBK has No discernible competitive edge (34.2/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. ROIC of 43.0% 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

$40

Low

$40

Avg Target

$40

High

Based on 1 analyst since Jul 28, 2026 earnings

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$40.00

Analysts1

Consensus Change History

Date	Field	From	To
2026-04-05	consensus	Hold	Buy

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-29	Piper Sandler	—	$36	$40	+4	+10.9%	$36.06
2026-06-25	Piper Sandler	—	$29	$36	+7	+15.5%	$31.16
2025-05-21	Piper Sandler	Justin Crowley	Initiated	$29	—	+20.8%	$24.00

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

Rating Change History

Date	From	To
2026-10-01	B+	A-
2026-08-03	A-	B+
2026-07-31	B+	A-
2026-04-28	A-	B+
2026-04-14	A	A-
2026-04-08	A-	A
2026-04-02	A	A-
2026-04-01	B+	A
2026-03-23	A-	B+
2026-03-20	B+	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.

★ ★ ★ ★ ★ 43 Grade B

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. CFBK scores highest in Earnings Quality (86/100) and lowest in Growth (43/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.31

Grey Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✗ ✓ ✓ ✗ ✓ ✗

Beneish M-Score

-2.98

Unlikely Manipulator

Ohlson O-Score

-4.78

Bankruptcy prob: 0.8%

Low Risk

Credit Rating

A-

Score: 67.1/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 0.97x

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. CFBK scores 2.31, 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. CFBK scores 6/9, 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. CFBK's score of -2.98 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. CFBK's implied 0.8% 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. CFBK receives an estimated rating of A- (score: 67.1/100), 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). CFBK's score of 75/100 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

2.53x

P/S

1.78x

P/B

1.12x

P/FCF

11.54x

P/OCF

11.34x

EV/EBITDA

2.51x

EV/Revenue

0.46x

EV/EBIT

2.55x

EV/FCF

3.21x

Earnings Yield

9.06%

FCF Yield

8.66%

Shareholder Yield

1.51%

Graham Number

$45.10

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, CFBK trades at a reasonable valuation. An earnings yield of 9.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $45.10 per share, suggesting a potential 31% 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

0.830

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.182

EBIT / Rev

Asset Turnover

0.058

Rev / Assets

Equity Multiplier

11.588

Assets / Equity

ROE

10.1%

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. CFBK's ROE of 10.1% is driven by financial leverage (equity multiplier: 11.59x). 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

2.68%

Fair P/E

13.86x

Intrinsic Value

$41.01

Price/Value

0.80x

Margin of Safety

20.31%

Premium

-20.31%

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 CFBK's realized 2.7% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CFBK trades at a -20% premium to its adjusted intrinsic value of $41.01, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 13.9x 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

$34.42

Median 1Y

$38.33

5th Pctile

$23.10

95th Pctile

$64.17

Ann. Volatility

31.1%

Analyst Target

$40.00

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
Timothy T. O'Dell President and Chief Executive Officer of the Company and	$517,500	$387,450	$1,392,313
Bradley J. Ringwald President of CFBank	$336,375	$320,565	$859,990
Kevin J. Beerman Executive Vice President and Chief Financial Officer of the	$222,525	$259,505	$596,530

CEO Pay Ratio

38:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,392,313

Avg Employee Cost (SGA/emp): $36,480

Employees: 98

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

-3.9% YoY

Revenue / Employee

$1,284,735

Rev: $125,903,999

Profit / Employee

$173,480

NI: $17,001,000

SGA / Employee

$36,480

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	18.9%	15.7%	13.5%	14.1%	13.9%	13.7%	13.3%	12.6%	12.1%	11.5%	10.3%	8.5%	8.4%	8.3%	8.9%	10.7%	9.4%	9.8%	9.8%	10.1%	10.14%
ROA	1.6%	1.2%	1.1%	1.1%	1.2%	1.1%	1.0%	1.0%	0.9%	0.9%	0.8%	0.7%	0.7%	0.6%	0.7%	0.9%	0.8%	0.8%	0.8%	0.9%	0.88%
ROIC	22.4%	37.7%	35.2%	30.8%	40.3%	17.7%	23.6%	47.6%	40.3%	1.1%	35.0%	19.6%	25.5%	35.0%	33.2%	81.7%	58.2%	58.8%	70.3%	43.0%	43.00%
ROCE	13.9%	9.7%	8.9%	9.7%	8.7%	8.4%	7.5%	7.9%	7.1%	6.7%	6.1%	4.6%	5.0%	5.2%	5.8%	6.9%	6.0%	1.0%	9.3%	1.1%	1.05%
Gross Margin	84.4%	85.0%	83.1%	79.5%	73.7%	58.0%	52.8%	45.4%	39.7%	38.5%	35.6%	29.0%	39.1%	39.2%	43.9%	44.0%	32.1%	46.3%	48.0%	49.2%	49.18%
Operating Margin	34.5%	38.7%	39.3%	38.2%	28.6%	26.4%	22.3%	19.5%	17.1%	16.9%	12.7%	6.4%	16.8%	16.7%	18.5%	20.2%	8.5%	21.7%	19.9%	22.9%	22.90%
Net Margin	27.8%	31.1%	32.0%	30.7%	23.1%	20.9%	18.0%	15.6%	13.8%	13.8%	10.4%	5.6%	13.4%	14.3%	14.7%	15.4%	7.3%	17.7%	17.0%	18.6%	18.64%
EBITDA Margin	35.2%	39.6%	40.1%	39.0%	29.4%	26.9%	22.9%	20.1%	17.6%	17.3%	13.2%	6.8%	17.2%	17.0%	18.9%	20.5%	8.9%	22.1%	20.3%	22.9%	22.90%
FCF Margin	2.4%	3.9%	7.5%	4.2%	1.4%	55.3%	29.5%	14.7%	15.6%	15.6%	9.4%	11.0%	7.8%	11.4%	14.0%	17.0%	22.1%	14.5%	16.6%	14.4%	14.45%
OCF Margin	2.4%	4.0%	7.6%	4.3%	1.4%	56.6%	30.9%	15.9%	16.3%	16.2%	9.5%	11.1%	7.8%	11.6%	14.3%	17.3%	22.7%	14.9%	17.0%	14.7%	14.70%
ROE 3Y Avg	snapshot only																				9.33%
ROE 5Y Avg	snapshot only																				10.67%
ROA 3Y Avg	snapshot only																				0.78%
ROIC Economic	snapshot only																				6.09%
Cash ROA	snapshot only																				0.85%
Cash ROIC	snapshot only																				41.46%
CROIC	snapshot only																				40.75%
NOPAT Margin	snapshot only																				15.24%
Pretax Margin	snapshot only																				18.20%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				13.58%
SBC / Revenue	snapshot only																				1.23%

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	6.07	6.99	8.43	7.40	7.21	7.28	6.80	5.31	6.04	7.26	7.98	8.83	10.15	11.91	9.30	8.42	9.43	9.18	9.86	11.04	11.788
P/S Ratio	1.74	2.03	2.42	2.25	2.08	1.88	1.52	1.01	1.02	1.10	1.07	0.96	1.10	1.31	1.12	1.22	1.21	1.26	1.41	1.67	1.776
P/B Ratio	1.05	1.03	1.09	0.99	0.96	0.95	0.86	0.63	0.69	0.79	0.79	0.72	0.82	0.95	0.79	0.85	0.84	0.86	0.93	1.07	1.119
P/FCF	0.74	0.52	0.32	0.53	1.53	3.40	5.15	6.86	6.52	7.07	11.33	8.70	14.14	11.45	7.96	7.16	5.49	8.68	8.49	11.54	11.543
P/OCF	0.73	0.51	0.32	0.53	1.48	3.33	4.92	6.36	6.23	6.81	11.17	8.68	14.06	11.24	7.81	7.02	5.36	8.45	8.27	11.34	11.343
EV/EBITDA	3.93	2.26	2.78	2.52	1.73	4.15	2.45	-0.76	-0.14	-0.77	0.54	1.34	1.31	1.76	0.48	-0.17	0.00	0.15	0.55	2.51	2.508
EV/Revenue	1.37	0.83	1.01	0.97	0.63	1.36	0.70	-0.18	-0.03	-0.15	0.09	0.18	0.18	0.24	0.07	-0.03	0.00	0.03	0.10	0.46	0.464
EV/EBIT	4.00	2.30	2.84	2.58	1.77	4.24	2.50	-0.77	-0.15	-0.79	0.55	1.38	1.35	1.82	0.49	-0.17	0.00	0.16	0.56	2.55	2.548
EV/FCF	0.58	0.21	0.13	0.23	0.46	2.46	2.36	-1.25	-0.20	-0.95	0.97	1.66	2.30	2.11	0.51	-0.18	0.00	0.18	0.60	3.21	3.211
Earnings Yield	16.5%	14.3%	11.9%	13.5%	13.9%	13.7%	14.7%	18.8%	16.5%	13.8%	12.5%	11.3%	9.9%	8.4%	10.8%	11.9%	10.6%	10.9%	10.1%	9.1%	9.06%
FCF Yield	1.4%	1.9%	3.1%	1.9%	65.3%	29.4%	19.4%	14.6%	15.3%	14.1%	8.8%	11.5%	7.1%	8.7%	12.6%	14.0%	18.2%	11.5%	11.8%	8.7%	8.66%
PEG Ratio	snapshot only																				2.530
Price/Tangible Book	snapshot only																				1.070
EV/OCF	snapshot only																				3.155
EV/Gross Profit	snapshot only																				1.059
Acquirers Multiple	snapshot only																				2.548
Shareholder Yield	snapshot only																				1.51%
Graham Number	snapshot only																				$45.10

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	0.09	0.16	0.16	0.14	0.16	0.12	0.16	0.17	0.14	0.16	0.14	0.15	0.14	0.14	0.14	0.16	0.16	15.31	0.18	15.36	15.359
Quick Ratio	0.09	0.16	0.16	0.14	0.16	0.12	0.16	0.17	0.14	0.16	0.14	0.15	0.14	0.14	0.14	0.16	0.16	15.31	0.18	15.36	15.359
Debt/Equity	0.47	0.85	0.78	0.70	0.88	0.90	1.10	0.88	0.86	0.84	0.83	0.98	0.79	0.68	0.66	0.69	0.68	0.66	0.65	0.62	0.619
Net Debt/Equity	-0.23	-0.61	-0.63	-0.56	-0.67	-0.26	-0.46	-0.75	-0.72	-0.90	-0.72	-0.58	-0.68	-0.77	-0.74	-0.87	-0.84	-0.84	-0.86	-0.77	-0.772
Debt/Assets	0.04	0.07	0.06	0.06	0.07	0.07	0.08	0.07	0.07	0.06	0.06	0.08	0.06	0.06	0.05	0.06	0.06	0.06	0.06	0.06	0.055
Debt/EBITDA	2.23	4.59	4.78	4.10	5.24	5.45	6.82	5.79	5.85	6.04	6.62	9.57	7.81	6.85	6.17	5.32	6.00	5.54	5.47	5.21	5.211
Net Debt/EBITDA	-1.07	-3.29	-3.89	-3.33	-3.97	-1.58	-2.88	-4.90	-4.86	-6.47	-5.73	-5.67	-6.74	-7.83	-6.96	-6.76	-7.45	-7.03	-7.31	-6.51	-6.508
Interest Coverage	2.15	2.21	2.17	2.21	1.80	1.19	0.81	0.55	0.42	0.35	0.29	0.23	0.22	0.23	0.26	0.33	0.30	0.33	0.34	0.36	0.364
Equity Multiplier	11.00	11.93	12.03	12.20	13.08	13.07	13.47	13.32	13.17	13.25	12.91	12.79	12.60	12.26	12.13	12.05	11.77	11.48	11.36	11.16	11.164
Cash Ratio	snapshot only																				16.404
Debt Service Coverage	snapshot only																				0.370
Cash to Debt	snapshot only																				2.249
FCF to Debt	snapshot only																				0.150
Defensive Interval	snapshot only																				3182.6 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	0.06	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.058
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	2.36	2.15	2.03	2.07	2.08	3.10	2.49	2.70	5.99	6.52	6.12	4.69	26.85	11.54	39.31	16.11	19.36	15.33	4.47	19.30	19.302
Payables Turnover	0.72	0.48	0.58	0.63	0.76	1.04	1.51	2.12	6.18	5.32	5.98	6.68	—	—	—	—	—	—	—	—	—
DSO	155	170	180	176	176	118	147	135	61	56	60	78	14	32	9	23	19	24	82	19	18.9 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	507	763	633	580	479	353	242	172	59	69	61	55	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	-352	-593	-453	-403	-303	-235	-95	-37	2	-13	-1	23	14	32	9	23	19	24	82	19	—
Cash Velocity	snapshot only																				0.461
Capital Intensity	snapshot only																				17.397

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	-18.0%	-37.7%	-47.0%	-37.6%	-16.4%	10.4%	40.2%	58.1%	66.1%	58.9%	44.0%	29.5%	17.8%	9.4%	5.3%	3.7%	2.4%	2.5%	1.7%	0.4%	0.44%
Net Income	-15.6%	-37.7%	-51.4%	-35.2%	-15.8%	-1.6%	9.3%	-1.1%	-3.3%	-6.8%	-14.0%	-25.9%	-24.0%	-21.0%	-5.2%	37.6%	21.7%	28.6%	20.7%	5.0%	5.04%
EPS	-16.4%	-37.4%	-50.4%	-33.8%	-14.4%	-0.1%	9.4%	0.7%	-1.9%	-6.4%	-11.5%	-23.8%	-22.0%	-19.2%	-4.1%	35.7%	20.7%	28.1%	20.3%	4.7%	4.73%
FCF	2.2%	3.0%	2.3%	4.9%	-52.0%	-84.5%	-94.5%	-94.5%	-81.0%	-55.2%	-54.2%	-2.9%	-41.1%	-19.9%	57.5%	59.6%	1.9%	30.7%	19.9%	-14.6%	-14.64%
EBITDA	-19.7%	-36.6%	-50.2%	-33.1%	-12.1%	-0.7%	10.3%	-0.0%	-2.1%	-6.7%	-14.3%	-27.1%	-25.2%	-22.8%	-6.9%	39.5%	22.0%	32.3%	21.1%	0.7%	0.74%
Op. Income	-20.1%	-37.1%	-50.8%	-33.7%	-12.6%	-1.0%	10.2%	-0.3%	-2.4%	-7.1%	-14.8%	-27.7%	-25.6%	-23.1%	-6.6%	41.2%	23.0%	33.3%	21.6%	1.2%	1.24%
OCF Growth	snapshot only																				-14.85%
Asset Growth	snapshot only																				1.69%
Equity Growth	snapshot only																				9.78%
Debt Growth	snapshot only																				-1.39%
Shares Change	snapshot only																				0.29%
Dividend Growth	snapshot only																				25.80%

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	45.3%	32.3%	22.4%	17.6%	15.2%	14.7%	17.2%	10.3%	4.4%	3.0%	2.3%	8.5%	17.8%	24.3%	28.6%	28.5%	26.0%	21.2%	15.5%	10.5%	10.47%
Revenue 5Y	38.2%	32.7%	29.6%	29.2%	30.0%	31.6%	33.1%	33.7%	33.6%	32.4%	29.9%	27.2%	24.5%	21.3%	19.5%	12.5%	6.5%	4.2%	2.8%	5.9%	5.88%
EPS 3Y	73.5%	41.8%	29.3%	24.2%	16.4%	14.2%	14.6%	-3.6%	-11.1%	-16.4%	-21.7%	-20.2%	-13.2%	-8.9%	-2.4%	1.4%	-2.6%	-1.1%	0.7%	2.7%	2.68%
EPS 5Y	14.8%	38.3%	36.4%	36.3%	43.2%	53.8%	48.2%	39.7%	34.4%	21.7%	15.9%	8.0%	3.8%	2.4%	5.0%	-1.5%	-8.0%	-9.5%	-11.2%	-6.3%	-6.32%
Net Income 3Y	99.7%	62.8%	47.5%	41.2%	31.6%	23.7%	22.2%	-0.2%	-11.8%	-17.0%	-23.0%	-22.0%	-14.8%	-10.1%	-3.8%	0.3%	-3.6%	-1.8%	-0.5%	2.3%	2.30%
Net Income 5Y	35.5%	62.5%	57.4%	57.3%	54.7%	68.3%	59.8%	50.1%	45.3%	31.7%	24.7%	15.6%	10.9%	6.9%	8.2%	0.2%	-8.7%	-10.3%	-12.1%	-7.3%	-7.25%
EBITDA 3Y	73.8%	60.9%	46.1%	40.1%	30.7%	23.2%	21.7%	-0.2%	-11.6%	-16.2%	-22.2%	-21.3%	-13.7%	-10.6%	-4.2%	0.6%	-3.7%	-1.6%	-1.1%	0.8%	0.82%
EBITDA 5Y	62.4%	54.4%	49.6%	49.8%	47.6%	44.5%	41.7%	37.2%	35.2%	31.0%	24.1%	14.9%	10.3%	6.1%	7.6%	0.2%	-8.8%	-9.7%	-11.9%	-7.3%	-7.28%
Gross Profit 3Y	49.6%	38.9%	29.7%	23.8%	20.0%	15.0%	13.0%	0.5%	-9.5%	-14.0%	-18.0%	-16.9%	-11.3%	-7.4%	-2.4%	2.0%	-0.1%	1.0%	0.7%	1.7%	1.74%
Gross Profit 5Y	39.9%	35.3%	32.0%	30.1%	29.9%	28.8%	27.4%	25.1%	21.8%	18.9%	15.1%	10.8%	8.5%	5.6%	5.3%	0.2%	-5.9%	-7.5%	-8.8%	-6.0%	-6.02%
Op. Income 3Y	75.8%	62.4%	47.0%	40.7%	31.0%	23.3%	21.9%	-0.5%	-12.0%	-16.7%	-22.7%	-21.8%	-14.1%	-10.9%	-4.3%	0.6%	-3.7%	-1.6%	-1.1%	1.1%	1.10%
Op. Income 5Y	65.0%	56.4%	51.3%	51.3%	48.8%	45.5%	42.6%	37.9%	35.9%	31.5%	24.4%	15.0%	10.3%	6.0%	7.6%	0.1%	-9.0%	-9.9%	-12.1%	-7.4%	-7.35%
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	-62.2%	-61.8%	-65.9%	-56.0%	-31.1%	-22.3%	-4.7%	9.8%	9.78%
FCF 5Y	1.8%	1.7%	1.7%	1.3%	2.1%	60.6%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	-62.2%	-61.7%	-65.7%	-55.9%	-31.4%	-22.3%	-5.3%	7.7%	7.68%
OCF 5Y	1.7%	1.7%	1.7%	1.3%	1.7%	58.7%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	30.7%	31.0%	28.9%	31.0%	30.9%	27.4%	26.9%	19.6%	14.2%	11.7%	8.3%	10.6%	15.1%	11.4%	10.7%	9.6%	6.2%	5.2%	3.6%	3.4%	3.39%
Assets 5Y	27.1%	28.0%	30.0%	30.3%	31.5%	30.5%	29.5%	28.6%	26.9%	25.4%	23.1%	23.1%	21.3%	18.6%	17.2%	13.2%	9.6%	7.5%	6.0%	7.5%	7.55%
Equity 3Y	41.4%	40.1%	39.2%	37.6%	35.8%	20.0%	20.0%	16.8%	13.7%	12.1%	10.6%	10.0%	10.0%	10.4%	10.4%	10.1%	10.0%	9.8%	9.6%	9.7%	9.67%
Book Value 3Y	22.8%	22.0%	22.0%	21.0%	20.0%	10.8%	12.6%	12.8%	14.5%	13.0%	12.4%	12.5%	12.1%	11.8%	11.9%	11.3%	11.1%	10.6%	11.0%	10.1%	10.07%
Dividend 3Y	—	—	46.3%	18.9%	8.8%	2.3%	3.4%	7.7%	9.5%	9.4%	10.0%	7.1%	5.1%	4.4%	4.3%	5.4%	7.9%	7.3%	8.6%	8.5%	8.45%

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	0.77	0.63	0.53	0.62	0.55	0.47	0.46	0.60	0.57	0.51	0.49	0.69	0.86	0.89	0.88	0.75	0.49	0.36	0.30	0.77	0.770
Earnings Stability	0.70	0.69	0.58	0.74	0.67	0.55	0.42	0.50	0.39	0.23	0.10	0.03	0.00	0.02	0.04	0.23	0.81	0.58	0.43	0.29	0.286
Margin Stability	0.94	0.93	0.92	0.94	0.93	0.92	0.89	0.86	0.81	0.77	0.74	0.70	0.67	0.66	0.65	0.65	0.64	0.66	0.67	0.66	0.660
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	0.00	0.00	0.00	0.00	0.00	0.00	0.50	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	1.000
FCF Positive Streak	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.94	0.85	0.50	0.86	0.94	0.99	0.96	1.00	0.99	0.97	0.94	0.90	0.90	0.92	0.98	0.85	0.91	0.89	0.92	0.98	0.980
Earnings Smoothness	0.83	0.54	0.31	0.57	0.83	0.98	0.91	0.99	0.97	0.93	0.85	0.70	0.73	0.77	0.95	0.68	0.80	0.75	0.81	0.95	0.951
ROE Trend	-0.02	-0.05	-0.08	-0.08	-0.08	-0.08	-0.08	-0.06	-0.04	-0.03	-0.03	-0.05	-0.04	-0.04	-0.03	0.00	-0.01	-0.00	0.00	0.01	0.005
Gross Margin Trend	0.11	0.13	0.12	0.06	0.01	-0.09	-0.18	-0.25	-0.33	-0.35	-0.36	-0.34	-0.28	-0.22	-0.14	-0.04	-0.02	0.02	0.04	0.05	0.052
FCF Margin Trend	3.81	5.66	9.59	5.28	0.98	-0.81	-1.98	-1.63	-1.71	-2.09	-3.81	-2.08	-0.68	-0.24	-0.05	0.04	0.10	0.01	0.05	0.00	0.004
Sustainable Growth Rate	18.3%	14.9%	12.8%	13.3%	13.1%	12.9%	12.4%	11.6%	11.2%	10.5%	9.3%	7.5%	7.4%	7.3%	7.9%	9.6%	8.3%	8.6%	8.7%	9.0%	8.95%
Internal Growth Rate	1.6%	1.2%	1.0%	1.1%	1.1%	1.0%	1.0%	0.9%	0.9%	0.8%	0.7%	0.6%	0.6%	0.6%	0.6%	0.8%	0.7%	0.7%	0.7%	0.8%	0.78%

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	8.31	13.73	26.36	14.10	4.87	2.19	1.38	0.83	0.97	1.07	0.71	1.02	0.72	1.06	1.19	1.20	1.76	1.09	1.19	0.97	0.973
FCF/OCF	0.99	0.99	0.99	0.99	0.97	0.98	0.95	0.93	0.96	0.96	0.99	1.00	0.99	0.98	0.98	0.98	0.98	0.97	0.97	0.98	0.983
FCF/Net Income	snapshot only																				0.957
OCF/EBITDA	snapshot only																				0.795
CapEx/Revenue	1.4%	4.7%	5.4%	4.8%	4.6%	1.3%	1.4%	1.2%	0.7%	0.6%	0.1%	0.0%	0.0%	0.2%	0.3%	0.3%	0.5%	0.4%	0.4%	0.3%	0.25%
CapEx/Depreciation	snapshot only																				0.876
Accruals Ratio	-0.12	-0.16	-0.27	-0.15	-0.04	-0.01	-0.00	0.00	0.00	-0.00	0.00	-0.00	0.00	-0.00	-0.00	-0.00	-0.01	-0.00	-0.00	0.00	0.000
Sloan Accruals	snapshot only																				0.820
Cash Flow Adequacy	snapshot only																				7.258
Earnings Quality Score	snapshot only																				0.750

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	0.5%	0.7%	0.7%	0.7%	0.8%	0.9%	1.0%	1.4%	1.3%	1.2%	1.2%	1.3%	1.2%	1.0%	1.2%	1.2%	1.2%	1.2%	1.2%	1.1%	1.02%
Dividend/Share	$0.09	$0.13	$0.14	$0.15	$0.17	$0.18	$0.19	$0.21	$0.22	$0.23	$0.24	$0.25	$0.25	$0.26	$0.27	$0.28	$0.30	$0.31	$0.33	$0.35	$0.35
Payout Ratio	2.8%	4.6%	5.5%	5.5%	6.1%	6.3%	6.7%	7.6%	8.1%	8.7%	9.9%	11.8%	11.7%	12.1%	11.4%	9.8%	11.7%	11.3%	11.7%	11.7%	11.72%
FCF Payout Ratio	0.3%	0.3%	0.2%	0.4%	1.3%	3.0%	5.1%	9.9%	8.7%	8.5%	14.1%	11.7%	16.3%	11.6%	9.8%	8.3%	6.8%	10.7%	10.1%	12.3%	12.26%
Total Payout Ratio	7.5%	21.5%	26.4%	24.9%	31.2%	20.2%	18.9%	18.8%	9.4%	10.5%	13.3%	16.2%	15.7%	14.7%	12.5%	14.9%	17.9%	19.6%	20.0%	16.7%	16.70%
Div. Increase Streak	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	—	—	3.64	1.48	0.87	0.37	0.35	0.40	0.30	0.29	0.28	0.16	0.11	0.10	0.10	0.15	0.23	0.22	0.25	0.27	0.272
Buyback Yield	0.8%	2.4%	2.5%	2.6%	3.5%	1.9%	1.8%	2.1%	0.2%	0.2%	0.4%	0.5%	0.4%	0.2%	0.1%	0.6%	0.7%	0.9%	0.8%	0.5%	0.45%
Net Buyback Yield	0.8%	2.4%	2.5%	2.6%	3.5%	1.9%	1.8%	2.1%	0.2%	0.2%	0.4%	0.5%	0.4%	0.2%	0.1%	0.6%	0.7%	0.9%	0.8%	0.5%	0.45%
Total Shareholder Return	1.2%	3.1%	3.1%	3.4%	4.3%	2.8%	2.8%	3.5%	1.6%	1.4%	1.7%	1.8%	1.5%	1.2%	1.3%	1.8%	1.9%	2.1%	2.0%	1.5%	1.51%

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)	0.84	0.81	0.81	0.81	0.81	0.80	0.80	0.80	0.80	0.81	0.81	0.82	0.82	0.83	0.82	0.80	0.81	0.80	0.82	0.83	0.830
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	0.34	0.36	0.35	0.38	0.36	0.32	0.28	0.24	0.21	0.19	0.17	0.13	0.13	0.13	0.15	0.18	0.16	0.17	0.18	0.18	0.182
Asset Turnover	0.06	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.058
Equity Multiplier	11.90	12.62	12.85	12.38	12.09	12.53	12.79	12.79	13.13	13.17	13.17	13.04	12.87	12.74	12.50	12.40	12.17	11.85	11.73	11.59	11.588

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)	$3.20	$2.80	$2.53	$2.71	$2.74	$2.80	$2.77	$2.73	$2.69	$2.62	$2.45	$2.08	$2.10	$2.12	$2.35	$2.83	$2.53	$2.71	$2.82	$2.96	$2.96
Book Value/Share	$18.50	$19.03	$19.60	$20.25	$20.60	$21.45	$21.91	$22.90	$23.43	$24.02	$24.85	$25.51	$26.06	$26.61	$27.47	$27.90	$28.25	$29.04	$29.95	$30.54	$30.75
Tangible Book/Share	$18.50	$19.03	$19.60	$20.25	$20.60	$21.45	$21.91	$22.90	$23.43	$24.02	$24.85	$25.51	$26.06	$26.61	$27.47	$27.90	$28.25	$29.04	$29.95	$30.54	$30.54
Revenue/Share	$11.19	$9.66	$8.81	$8.93	$9.51	$10.83	$12.37	$14.38	$16.02	$17.26	$18.33	$19.14	$19.36	$19.30	$19.52	$19.57	$19.65	$19.71	$19.77	$19.60	$19.73
FCF/Share	$26.45	$38.01	$66.14	$37.84	$12.92	$5.99	$3.65	$2.12	$2.49	$2.69	$1.72	$2.11	$1.51	$2.20	$2.74	$3.33	$4.35	$2.87	$3.28	$2.83	$2.85
OCF/Share	$26.62	$38.46	$66.62	$38.28	$13.35	$6.13	$3.82	$2.28	$2.61	$2.79	$1.75	$2.12	$1.52	$2.24	$2.79	$3.39	$4.46	$2.94	$3.36	$2.88	$2.90
Cash/Share	$12.83	$27.79	$27.70	$25.51	$32.01	$25.01	$34.24	$37.41	$36.91	$41.70	$38.47	$39.99	$38.50	$38.56	$38.51	$43.62	$43.09	$43.53	$45.22	$42.48	$42.77
EBITDA/Share	$3.89	$3.53	$3.20	$3.44	$3.47	$3.56	$3.53	$3.50	$3.45	$3.33	$3.11	$2.62	$2.65	$2.63	$2.93	$3.61	$3.20	$3.46	$3.54	$3.62	$3.62
Debt/Share	$8.66	$16.19	$15.27	$14.08	$18.22	$19.38	$24.07	$20.25	$20.16	$20.13	$20.62	$25.11	$20.66	$18.00	$18.10	$19.21	$19.23	$19.19	$19.35	$18.89	$18.89
Net Debt/Share	$-4.16	$-11.60	$-12.43	$-11.44	$-13.79	$-5.62	$-10.17	$-17.15	$-16.76	$-21.57	$-17.85	$-14.88	$-17.84	$-20.56	$-20.41	$-24.41	$-23.86	$-24.34	$-25.87	$-23.59	$-23.59

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.306
Altman Z-Prime	snapshot only																				1.067
Piotroski F-Score	5	6	6	5	5	5	6	5	5	7	5	5	6	7	7	8	7	7	7	6	6
Beneish M-Score	-3.11	-3.41	-3.77	-2.99	-2.19	-2.08	-1.58	-1.45	-2.30	-2.29	-2.89	-2.73	-2.38	-2.87	-2.59	-2.98	-2.93	-2.30	3.95	-2.98	-2.979
Ohlson O-Score	snapshot only																				-4.781
ROIC (Greenblatt)	snapshot only																				9.59%
Net-Net WC	snapshot only																				$-270.63
EVA	snapshot only																				$14590400.00

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																				A-
Credit Score	77.10	74.11	72.11	73.33	71.56	66.39	52.11	50.07	50.49	49.69	46.56	43.66	42.84	47.66	48.18	52.52	47.31	64.04	47.42	67.06	67.062
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				14.544
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				62
Sector Credit Rank	snapshot only																				56

CFBK 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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