$124.64

+0.23 (+0.18%)

After Hours: $139.18 (+14.55, +11.67%)

Weekly Expected Move ±2.7%

$115 $118 $121 $125 $128

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 62 · $1.8B mcap · 14M float · 0.849% daily turnover · Short 71% 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.

NARROW EDGE

67.4 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: -40.5%

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. CHCO has a Narrow competitive edge (67.4/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. Negative ROIC of -40.5% indicates the company is currently destroying value, though this may reflect a growth investment phase.

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

$128

Avg Target

$128

High

Based on 2 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 0Hold: 8Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$127.50

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-01-23	Piper Sandler	—	$125	$130	+5	+2.7%	$126.53
2025-12-03	Piper Sandler	—	Initiated	$125	—	+3.1%	$121.27
2024-04-25	Stephens	Russell Gunther	Initiated	$99	—	-6.7%	$106.14

Financial Rating

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

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. CHCO receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (5/5), ROA (4/5). Areas of concern: D/E (2/5), P/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-04-27	B	B+
2026-04-24	B+	B
2026-04-23	A-	B+
2026-04-01	B	A-
2026-03-30	B+	B
2026-02-19	A-	B+
2026-02-04	B+	A-
2026-01-26	B	B+
2026-01-22	B+	B
2026-01-14	A-	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.

★ ★ ★ ★ ★ 56 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

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. CHCO scores highest in Safety (100/100) and lowest in Growth (52/100). An overall grade of A+ places CHCO 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

4.44

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓

Beneish M-Score

-2.51

Unlikely Manipulator

Ohlson O-Score

-2.38

Bankruptcy prob: 8.4%

Low Risk

Credit Rating

AA-

Score: 82.3/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.05x

Accruals: -0.1%

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. CHCO scores 4.44, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. 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. CHCO scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. CHCO's score of -2.51 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. CHCO's implied 8.4% 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. CHCO receives an estimated rating of AA- (score: 82.3/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). CHCO'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

13.51x

PEG

0.98x

P/S

4.44x

P/B

2.24x

P/FCF

12.69x

P/OCF

12.37x

EV/EBITDA

3.31x

EV/Revenue

1.43x

EV/EBIT

3.45x

EV/FCF

4.23x

Earnings Yield

7.73%

FCF Yield

7.88%

Shareholder Yield

6.90%

Graham Number

$108.59

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 13.5x earnings, CHCO trades at a reasonable valuation. An earnings yield of 7.7% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $108.59 per share, 15% 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

0.805

NI / EBT

Interest Burden

0.993

EBT / EBIT

EBIT Margin

0.416

EBIT / Rev

Asset Turnover

0.060

Rev / Assets

Equity Multiplier

8.557

Assets / Equity

ROE

17.1%

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. CHCO's ROE of 17.1% is driven by financial leverage (equity multiplier: 8.56x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

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

Adj. Growth Rate

9.29%

Fair P/E

27.08x

Intrinsic Value

$250.19

Price/Value

0.48x

Margin of Safety

52.23%

Premium

-52.23%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CHCO's realized 9.3% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $250.19, CHCO appears undervalued with a 52% margin of safety. The adjusted fair P/E of 27.1x compares to the current market P/E of 13.5x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$124.64

Median 1Y

$132.76

5th Pctile

$83.31

95th Pctile

$211.47

Ann. Volatility

27.9%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Charles R. Hageboeck President, Chief Executive Officer and Director (Principal Executive Officer)	$699,000	$404,867	$1,922,194
Michael T. Quinlan, Jr. Executive Vice President, Retail Banking	$415,000	$179,954	$924,756
David L. Bumgarner Chief Financial Officer (Principal Financial Officer)	$364,000	$157,475	$848,493
John A. DeRito Executive Vice President, Commercial Banking	$331,000	$144,012	$740,205
Jeffrey D. Legge Executive Vice President, Operations/CIO	$305,000	$104,102	$626,831

CEO Pay Ratio

22:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,922,194

Avg Employee Cost (SGA/emp): $88,991

Employees: 950

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

950

-1.4% YoY

Revenue / Employee

$412,746

Rev: $392,109,000

Profit / Employee

$137,353

NI: $130,485,000

SGA / Employee

$88,991

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	12.4%	12.8%	12.7%	13.0%	13.0%	13.7%	16.2%	16.7%	18.3%	18.7%	18.2%	19.1%	18.5%	18.5%	16.6%	16.8%	17.4%	18.1%	16.9%	17.1%	17.12%
ROA	1.6%	1.6%	1.5%	1.5%	1.5%	1.6%	1.7%	1.8%	1.9%	2.0%	1.9%	2.0%	1.9%	1.9%	1.9%	1.9%	1.9%	2.0%	2.0%	2.0%	2.00%
ROIC	-11.9%	-12.2%	-8.4%	-8.5%	-8.6%	-9.0%	-12.2%	-12.6%	-13.8%	-14.1%	-29.9%	-31.3%	-30.3%	-30.3%	12.1%	12.2%	12.7%	13.2%	-40.0%	-40.5%	-40.46%
ROCE	12.9%	13.4%	14.5%	14.7%	14.8%	15.6%	17.8%	18.3%	20.0%	20.4%	15.9%	16.6%	16.1%	16.0%	14.6%	14.6%	15.1%	15.8%	4.5%	4.6%	4.58%
Gross Margin	99.0%	97.7%	96.9%	98.4%	97.5%	95.9%	93.2%	86.0%	85.4%	82.7%	79.9%	78.8%	76.4%	75.4%	74.8%	77.0%	80.0%	79.5%	79.3%	79.9%	79.93%
Operating Margin	49.4%	50.0%	50.6%	48.0%	48.3%	51.4%	50.8%	38.9%	47.1%	44.3%	40.5%	41.1%	39.2%	38.6%	37.0%	39.3%	42.4%	43.8%	40.2%	39.9%	39.90%
Net Margin	39.4%	39.2%	40.0%	38.6%	38.5%	40.5%	41.6%	30.9%	38.0%	35.0%	32.6%	33.1%	31.4%	31.0%	30.7%	32.3%	34.4%	35.2%	31.2%	32.3%	32.25%
EBITDA Margin	55.7%	56.1%	57.5%	56.9%	55.1%	56.9%	55.1%	43.4%	51.2%	47.7%	41.4%	44.4%	42.5%	41.5%	41.6%	42.6%	46.1%	45.8%	40.2%	41.0%	41.04%
FCF Margin	25.2%	34.6%	43.3%	47.7%	45.7%	45.0%	44.5%	44.8%	44.0%	41.7%	40.2%	36.8%	36.5%	35.7%	34.8%	34.3%	33.9%	33.2%	32.8%	33.9%	33.91%
OCF Margin	27.1%	36.4%	44.7%	48.8%	46.5%	45.9%	45.3%	45.6%	45.0%	42.6%	41.1%	37.6%	37.2%	36.4%	35.5%	34.9%	34.5%	34.0%	33.5%	34.8%	34.77%
ROE 3Y Avg	snapshot only																				16.69%
ROE 5Y Avg	snapshot only																				16.28%
ROA 3Y Avg	snapshot only																				1.91%
ROIC Economic	snapshot only																				10.06%
Cash ROA	snapshot only																				2.05%
NOPAT Margin	snapshot only																				33.48%
Pretax Margin	snapshot only																				41.31%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				22.74%
SBC / Revenue	snapshot only																				1.48%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	12.23	12.15	12.48	11.84	11.97	12.65	12.40	11.90	10.95	10.79	13.50	12.32	12.95	14.35	14.47	14.28	14.31	13.94	13.12	12.94	13.513
P/S Ratio	4.49	4.61	4.81	4.65	4.68	4.99	4.95	4.48	4.12	3.92	4.62	4.27	4.27	4.59	4.56	4.48	4.60	4.63	4.37	4.30	4.444
P/B Ratio	1.47	1.51	1.61	1.56	1.58	1.76	2.19	2.16	2.18	2.20	2.28	2.18	2.22	2.46	2.32	2.30	2.39	2.43	2.11	2.11	2.243
P/FCF	17.83	13.34	11.11	9.77	10.23	11.07	11.14	10.01	9.34	9.38	11.47	11.61	11.70	12.86	13.12	13.07	13.56	13.94	13.33	12.69	12.687
P/OCF	16.59	12.68	10.75	9.53	10.06	10.86	10.93	9.82	9.15	9.19	11.22	11.34	11.48	12.63	12.85	12.83	13.33	13.60	13.03	12.37	12.375
EV/EBITDA	-3.21	-2.91	-5.02	-5.19	-5.00	-3.91	-1.04	-1.13	-0.98	-0.91	3.15	2.59	2.86	3.92	12.23	12.13	12.13	11.89	3.36	3.31	3.312
EV/Revenue	-1.66	-1.55	-2.76	-2.93	-2.82	-2.21	-0.58	-0.59	-0.50	-0.45	1.45	1.20	1.26	1.67	5.20	5.10	5.21	5.24	1.47	1.43	1.433
EV/EBIT	-3.64	-3.28	-5.68	-5.93	-5.73	-4.45	-1.17	-1.26	-1.07	-0.99	3.39	2.77	3.05	4.19	13.35	13.25	13.25	12.88	3.53	3.45	3.446
EV/FCF	-6.58	-4.49	-6.38	-6.16	-6.17	-4.91	-1.31	-1.32	-1.14	-1.08	3.60	3.26	3.44	4.67	14.94	14.89	15.38	15.78	4.47	4.23	4.226
Earnings Yield	8.2%	8.2%	8.0%	8.4%	8.4%	7.9%	8.1%	8.4%	9.1%	9.3%	7.4%	8.1%	7.7%	7.0%	6.9%	7.0%	7.0%	7.2%	7.6%	7.7%	7.73%
FCF Yield	5.6%	7.5%	9.0%	10.2%	9.8%	9.0%	9.0%	10.0%	10.7%	10.7%	8.7%	8.6%	8.6%	7.8%	7.6%	7.7%	7.4%	7.2%	7.5%	7.9%	7.88%
PEG Ratio	snapshot only																				0.980
Price/Tangible Book	snapshot only																				2.617
EV/OCF	snapshot only																				4.122
EV/Gross Profit	snapshot only																				1.798
Acquirers Multiple	snapshot only																				3.446
Shareholder Yield	snapshot only																				6.90%
Graham Number	snapshot only																				$108.59

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.35	0.35	0.39	0.39	0.39	0.39	0.33	0.33	0.33	0.33	0.29	0.29	0.29	0.29	0.05	0.05	0.05	0.05	0.03	0.03	0.033
Quick Ratio	0.35	0.35	0.39	0.39	0.39	0.39	0.33	0.33	0.33	0.33	0.29	0.29	0.29	0.29	0.05	0.05	0.05	0.05	0.03	0.03	0.033
Debt/Equity	0.42	0.42	0.46	0.46	0.46	0.46	0.50	0.50	0.50	0.50	0.64	0.64	0.64	0.64	0.65	0.65	0.65	0.65	0.64	0.64	0.639
Net Debt/Equity	-2.01	-2.01	-2.54	-2.54	-2.54	-2.54	-2.45	-2.45	-2.45	-2.45	-1.56	-1.56	-1.56	-1.56	0.32	0.32	0.32	0.32	-1.41	-1.41	-1.405
Debt/Assets	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.08	0.08	0.077
Debt/EBITDA	2.50	2.42	2.49	2.42	2.40	2.30	2.03	2.00	1.85	1.82	2.83	2.73	2.81	2.83	3.02	3.01	2.91	2.81	3.02	3.02	3.018
Net Debt/EBITDA	-11.90	-11.54	-13.77	-13.41	-13.30	-12.71	-9.88	-9.71	-8.99	-8.86	-6.89	-6.65	-6.86	-6.89	1.49	1.49	1.44	1.39	-6.64	-6.63	-6.632
Interest Coverage	6.72	8.75	11.23	13.88	16.22	17.18	13.18	8.16	5.35	3.72	2.75	2.36	2.00	1.80	1.68	1.63	1.69	1.79	1.92	2.00	2.002
Equity Multiplier	8.21	8.21	8.81	8.81	8.81	8.81	10.17	10.17	10.17	10.17	9.11	9.11	9.11	9.11	8.84	8.84	8.84	8.84	8.30	8.30	8.302
Cash Ratio	snapshot only																				0.530
Debt Service Coverage	snapshot only																				2.082
Cash to Debt	snapshot only																				3.198
FCF to Debt	snapshot only																				0.260
Defensive Interval	snapshot only																				4048.2 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.060
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	16.79	16.73	14.55	14.51	14.69	15.30	15.08	16.45	18.06	19.11	17.34	17.89	18.22	18.77	18.14	18.37	18.58	18.77	18.96	19.17	19.171
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	22	22	25	25	25	24	24	22	20	19	21	20	20	19	20	20	20	19	19	19	19.0 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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	22	22	25	25	25	24	24	22	20	19	21	20	20	19	20	20	20	19	19	19	—
Fixed Asset Turnover	snapshot only																				5.736
Cash Velocity	snapshot only																				0.240
Capital Intensity	snapshot only																				16.952

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	-14.3%	-12.5%	-10.3%	-1.2%	0.5%	5.0%	11.8%	22.4%	32.8%	34.8%	30.8%	23.6%	14.7%	11.8%	11.0%	9.0%	8.3%	6.1%	5.6%	5.5%	5.47%
Net Income	-8.6%	-3.4%	-1.7%	11.4%	6.9%	9.1%	15.9%	17.2%	27.7%	24.0%	12.1%	13.8%	0.7%	-1.4%	2.4%	-1.4%	5.4%	10.1%	11.4%	11.8%	11.84%
EPS	-5.6%	0.8%	2.7%	16.5%	11.8%	12.8%	18.0%	18.5%	26.8%	22.8%	12.1%	14.0%	2.8%	0.5%	3.0%	-0.1%	7.1%	11.5%	14.0%	14.6%	14.63%
FCF	-42.8%	-7.2%	49.0%	67.3%	82.5%	36.8%	14.9%	14.9%	27.8%	24.9%	18.4%	1.6%	-4.9%	-4.4%	-4.0%	1.6%	0.4%	-1.3%	-0.5%	4.4%	4.36%
EBITDA	-3.7%	0.2%	3.0%	14.2%	9.8%	11.3%	13.8%	12.9%	21.0%	17.2%	7.5%	9.4%	-1.8%	-3.6%	2.5%	-0.8%	5.8%	10.2%	8.6%	8.5%	8.49%
Op. Income	-10.4%	-4.5%	-0.1%	13.2%	8.7%	10.2%	14.5%	16.2%	26.3%	22.6%	12.4%	13.6%	0.9%	-1.6%	1.0%	-2.9%	3.4%	8.5%	12.5%	13.9%	13.91%
OCF Growth	snapshot only																				5.05%
Asset Growth	snapshot only																				4.06%
Equity Growth	snapshot only																				10.81%
Debt Growth	snapshot only																				8.83%
Shares Change	snapshot only																				-2.44%
Dividend Growth	snapshot only																				13.51%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	3.6%	2.3%	1.3%	-0.7%	-2.0%	-1.7%	-0.6%	0.2%	4.6%	7.4%	9.5%	14.3%	15.2%	16.5%	17.5%	18.1%	18.1%	16.9%	15.3%	12.4%	12.43%
Revenue 5Y	5.0%	4.3%	4.2%	3.3%	3.3%	4.0%	4.8%	6.7%	8.2%	8.7%	8.7%	8.2%	7.4%	7.4%	7.3%	6.3%	7.3%	8.0%	9.0%	11.4%	11.42%
EPS 3Y	10.1%	8.2%	9.3%	9.9%	9.3%	10.4%	7.8%	5.6%	10.2%	11.8%	10.7%	16.3%	13.4%	11.7%	10.8%	10.5%	11.8%	11.3%	9.6%	9.3%	9.29%
EPS 5Y	10.7%	10.7%	10.9%	10.1%	9.8%	10.9%	14.5%	14.3%	13.6%	11.9%	11.5%	12.4%	11.2%	10.7%	7.7%	6.1%	8.1%	9.4%	9.8%	12.5%	12.50%
Net Income 3Y	10.7%	8.0%	8.0%	6.6%	6.0%	7.0%	4.5%	2.8%	7.7%	9.3%	8.5%	14.1%	11.2%	10.1%	10.0%	9.6%	10.7%	10.4%	8.5%	7.9%	7.87%
Net Income 5Y	11.8%	11.3%	11.1%	9.7%	9.0%	9.8%	13.4%	13.5%	13.1%	11.3%	10.3%	10.1%	8.9%	8.4%	5.6%	4.0%	5.8%	7.2%	7.8%	10.4%	10.40%
EBITDA 3Y	5.6%	4.9%	10.0%	8.9%	8.5%	9.5%	6.3%	4.6%	8.5%	9.3%	8.0%	12.1%	9.2%	7.9%	7.9%	7.0%	7.9%	7.6%	6.2%	5.6%	5.60%
EBITDA 5Y	9.3%	8.5%	8.3%	7.3%	6.9%	7.6%	7.9%	8.8%	9.4%	8.6%	10.3%	9.8%	8.7%	8.2%	5.8%	4.4%	5.8%	6.8%	7.0%	8.7%	8.71%
Gross Profit 3Y	4.8%	4.4%	4.1%	2.7%	1.7%	2.1%	2.9%	3.4%	6.7%	7.9%	8.1%	10.4%	9.1%	8.6%	8.5%	8.5%	9.1%	8.6%	8.1%	6.9%	6.89%
Gross Profit 5Y	5.7%	5.7%	5.6%	4.9%	4.8%	5.5%	6.1%	7.4%	8.0%	7.8%	7.3%	6.4%	5.4%	5.1%	4.7%	4.0%	5.2%	6.0%	7.0%	8.6%	8.58%
Op. Income 3Y	3.7%	3.0%	8.1%	6.5%	5.9%	6.9%	3.9%	2.4%	7.1%	8.9%	8.7%	14.3%	11.5%	10.0%	9.1%	8.6%	9.6%	9.4%	8.5%	7.9%	7.88%
Op. Income 5Y	7.9%	7.5%	7.6%	6.3%	5.7%	6.5%	7.0%	8.1%	8.8%	8.1%	10.2%	9.8%	8.6%	8.0%	5.0%	3.4%	5.1%	6.6%	7.9%	10.6%	10.57%
FCF 3Y	-4.7%	2.9%	16.6%	15.6%	12.0%	9.0%	4.3%	7.2%	10.1%	16.6%	26.5%	25.0%	30.4%	17.8%	9.3%	5.8%	6.9%	5.6%	4.2%	2.5%	2.49%
FCF 5Y	-4.3%	11.2%	10.6%	11.2%	11.7%	10.5%	9.8%	14.5%	15.1%	13.2%	16.6%	12.5%	11.3%	9.1%	5.2%	4.9%	5.0%	8.4%	14.1%	15.7%	15.66%
OCF 3Y	-5.3%	1.7%	12.1%	11.4%	7.9%	5.8%	3.4%	5.7%	8.9%	15.0%	24.1%	23.9%	28.1%	16.5%	8.8%	5.6%	6.9%	5.8%	4.3%	2.7%	2.71%
OCF 5Y	-3.8%	10.1%	9.4%	9.5%	9.6%	8.9%	8.3%	12.8%	13.5%	11.8%	13.6%	10.0%	8.9%	7.2%	4.7%	4.0%	4.2%	7.6%	12.8%	15.1%	15.10%
Assets 3Y	11.7%	11.7%	7.0%	7.0%	7.0%	7.0%	5.4%	5.4%	5.4%	5.4%	2.3%	2.3%	2.3%	2.3%	2.5%	2.5%	2.5%	2.5%	4.6%	4.6%	4.57%
Assets 5Y	9.2%	9.2%	8.6%	8.6%	8.6%	8.6%	7.3%	7.3%	7.3%	7.3%	4.7%	4.7%	4.7%	4.7%	5.2%	5.2%	5.2%	5.2%	3.1%	3.1%	3.14%
Equity 3Y	11.7%	11.7%	4.1%	4.1%	4.1%	4.1%	-4.3%	-4.3%	-4.3%	-4.3%	-1.2%	-1.2%	-1.2%	-1.2%	2.4%	2.4%	2.4%	2.4%	11.9%	11.9%	11.90%
Book Value 3Y	11.2%	11.9%	5.4%	7.3%	7.4%	7.5%	-1.2%	-1.6%	-2.0%	-2.1%	0.9%	0.7%	0.8%	0.3%	3.2%	3.2%	3.4%	3.2%	13.0%	13.4%	13.37%
Dividend 3Y	-0.5%	-0.4%	0.7%	2.4%	2.6%	2.7%	3.7%	4.0%	4.5%	5.2%	5.1%	5.2%	5.1%	4.4%	3.7%	3.6%	3.8%	3.7%	3.8%	5.7%	5.69%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.62	0.57	0.50	0.21	0.20	0.27	0.35	0.32	0.46	0.52	0.60	0.61	0.58	0.58	0.60	0.56	0.68	0.77	0.86	0.97	0.968
Earnings Stability	0.89	0.94	0.85	0.69	0.81	0.92	0.84	0.71	0.81	0.88	0.86	0.71	0.80	0.87	0.85	0.67	0.79	0.88	0.95	0.95	0.953
Margin Stability	0.96	0.95	0.95	0.95	0.94	0.94	0.94	0.95	0.95	0.94	0.93	0.93	0.92	0.91	0.90	0.90	0.90	0.91	0.91	0.91	0.914
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	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	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	0.00	1.00	0.50	1.00	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.97	0.99	0.99	0.95	0.97	0.96	0.94	0.93	0.89	0.90	0.95	0.94	1.00	0.99	0.99	0.99	0.98	0.96	0.95	0.95	0.953
Earnings Smoothness	0.91	0.97	0.98	0.89	0.93	0.91	0.85	0.84	0.76	0.79	0.89	0.87	0.99	0.99	0.98	0.99	0.95	0.90	0.89	0.89	0.888
ROE Trend	-0.01	-0.01	-0.00	0.00	0.00	0.01	0.05	0.06	0.07	0.07	0.02	0.02	0.01	-0.00	-0.01	-0.02	-0.02	-0.01	-0.00	-0.01	-0.006
Gross Margin Trend	0.08	0.10	0.11	0.10	0.09	0.07	0.04	-0.02	-0.06	-0.10	-0.13	-0.14	-0.14	-0.14	-0.13	-0.11	-0.08	-0.04	-0.01	0.01	0.009
FCF Margin Trend	-0.09	0.02	0.11	0.15	0.14	0.11	0.10	0.07	0.09	0.02	-0.04	-0.09	-0.08	-0.08	-0.08	-0.06	-0.06	-0.06	-0.05	-0.02	-0.016
Sustainable Growth Rate	7.0%	7.4%	7.5%	7.8%	7.8%	8.5%	10.4%	10.8%	12.2%	12.5%	11.9%	12.5%	11.8%	11.7%	10.5%	10.4%	10.9%	11.6%	10.8%	10.6%	10.57%
Internal Growth Rate	0.9%	0.9%	0.9%	0.9%	0.9%	1.0%	1.1%	1.2%	1.3%	1.3%	1.3%	1.3%	1.2%	1.2%	1.2%	1.2%	1.2%	1.3%	1.3%	1.3%	1.25%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	0.74	0.96	1.16	1.24	1.19	1.16	1.13	1.21	1.20	1.17	1.20	1.09	1.13	1.14	1.13	1.11	1.07	1.03	1.01	1.05	1.045
FCF/OCF	0.93	0.95	0.97	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.975
FCF/Net Income	snapshot only																				1.020
OCF/EBITDA	snapshot only																				0.804
CapEx/Revenue	1.9%	1.8%	1.5%	1.2%	0.8%	0.9%	0.8%	0.8%	0.9%	0.9%	0.9%	0.9%	0.7%	0.6%	0.7%	0.6%	0.6%	0.8%	0.7%	0.9%	0.86%
CapEx/Depreciation	snapshot only																				0.511
Accruals Ratio	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.001
Sloan Accruals	snapshot only																				0.331
Cash Flow Adequacy	snapshot only																				2.558
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	3.5%	3.4%	3.3%	3.4%	3.3%	3.0%	2.9%	3.0%	3.0%	3.1%	2.6%	2.8%	2.8%	2.6%	2.6%	2.6%	2.6%	2.6%	2.8%	3.0%	2.72%
Dividend/Share	$2.34	$2.38	$2.40	$2.39	$2.41	$2.42	$2.48	$2.51	$2.54	$2.61	$2.70	$2.77	$2.84	$2.90	$2.96	$3.04	$3.13	$3.20	$3.29	$3.54	$3.40
Payout Ratio	43.4%	41.9%	41.0%	40.1%	39.8%	37.8%	36.0%	35.5%	33.2%	33.2%	35.0%	34.3%	36.0%	36.7%	37.1%	37.7%	37.1%	36.3%	36.2%	38.3%	38.29%
FCF Payout Ratio	63.2%	46.0%	36.5%	33.1%	34.0%	33.1%	32.3%	29.8%	28.3%	28.8%	29.7%	32.3%	32.5%	32.9%	33.7%	34.5%	35.2%	36.2%	36.8%	37.6%	37.55%
Total Payout Ratio	92.5%	1.0%	1.1%	1.0%	1.0%	69.8%	61.9%	76.9%	77.6%	84.4%	87.6%	70.8%	65.3%	57.6%	52.4%	57.8%	60.7%	58.9%	71.3%	89.2%	89.21%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.04	0.02	0.02	0.01	0.02	0.01	0.04	0.07	0.09	0.12	0.12	0.13	0.12	0.11	0.11	0.11	0.11	0.11	0.12	0.16	0.165
Buyback Yield	4.0%	5.0%	5.3%	5.3%	5.1%	2.5%	2.1%	3.5%	4.1%	4.7%	3.9%	3.0%	2.3%	1.5%	1.1%	1.4%	1.7%	1.6%	2.7%	3.9%	3.94%
Net Buyback Yield	4.0%	5.0%	5.3%	5.3%	5.1%	2.5%	2.1%	3.5%	4.1%	4.7%	3.9%	3.0%	2.3%	1.5%	1.1%	1.4%	1.7%	1.6%	2.7%	3.9%	3.94%
Total Shareholder Return	7.6%	8.5%	8.6%	8.7%	8.4%	5.5%	5.0%	6.5%	7.1%	7.8%	6.5%	5.8%	5.0%	4.0%	3.6%	4.0%	4.2%	4.2%	5.4%	6.9%	6.90%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.81	0.80	0.79	0.79	0.79	0.79	0.80	0.80	0.80	0.80	0.80	0.80	0.80	0.80	0.81	0.81	0.82	0.82	0.81	0.81	0.805
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.99	0.99	0.993
EBIT Margin	0.46	0.47	0.49	0.50	0.49	0.50	0.50	0.47	0.47	0.45	0.43	0.43	0.41	0.40	0.39	0.39	0.39	0.41	0.41	0.42	0.416
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.060
Equity Multiplier	7.93	7.93	8.51	8.51	8.51	8.51	9.44	9.44	9.44	9.44	9.60	9.60	9.60	9.60	8.97	8.97	8.97	8.97	8.56	8.56	8.557

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$5.41	$5.68	$5.85	$5.97	$6.05	$6.40	$6.90	$7.08	$7.67	$7.87	$7.74	$8.07	$7.88	$7.91	$7.97	$8.06	$8.44	$8.82	$9.08	$9.24	$9.24
Book Value/Share	$44.96	$45.82	$45.24	$45.40	$45.68	$46.02	$39.08	$38.93	$38.49	$38.67	$45.79	$45.69	$46.03	$46.20	$49.72	$49.94	$50.49	$50.52	$56.36	$56.72	$55.67
Tangible Book/Share	$37.36	$38.07	$37.46	$37.59	$37.83	$38.11	$31.26	$31.13	$30.78	$30.92	$34.80	$34.72	$34.98	$35.11	$38.83	$39.00	$39.43	$39.45	$45.37	$45.66	$45.66
Revenue/Share	$14.73	$14.96	$15.19	$15.20	$15.48	$16.25	$17.29	$18.80	$20.41	$21.68	$22.62	$23.28	$23.89	$24.71	$25.26	$25.70	$26.29	$26.57	$27.29	$27.78	$27.79
FCF/Share	$3.71	$5.17	$6.57	$7.24	$7.08	$7.32	$7.69	$8.41	$8.99	$9.05	$9.10	$8.56	$8.73	$8.82	$8.79	$8.81	$8.91	$8.83	$8.94	$9.42	$9.42
OCF/Share	$3.98	$5.44	$6.79	$7.42	$7.20	$7.46	$7.83	$8.57	$9.17	$9.24	$9.31	$8.76	$8.89	$8.99	$8.97	$8.97	$9.06	$9.04	$9.14	$9.66	$9.66
Cash/Share	$109.49	$111.58	$135.68	$136.17	$137.02	$138.03	$115.35	$114.90	$113.61	$114.12	$101.08	$100.84	$101.59	$101.98	$16.38	$16.46	$16.64	$16.65	$115.24	$115.98	$110.51
EBITDA/Share	$7.60	$7.99	$8.35	$8.60	$8.73	$9.20	$9.68	$9.81	$10.49	$10.68	$10.40	$10.75	$10.51	$10.49	$10.73	$10.81	$11.30	$11.71	$11.92	$12.02	$12.02
Debt/Share	$18.98	$19.34	$20.75	$20.83	$20.96	$21.11	$19.68	$19.60	$19.38	$19.47	$29.41	$29.34	$29.56	$29.67	$32.36	$32.51	$32.87	$32.89	$36.03	$36.27	$36.27
Net Debt/Share	$-90.52	$-92.24	$-114.93	$-115.34	$-116.06	$-116.91	$-95.68	$-95.29	$-94.23	$-94.65	$-71.66	$-71.50	$-72.03	$-72.30	$15.98	$16.05	$16.23	$16.24	$-79.20	$-79.71	$-79.71

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.438
Altman Z-Prime	snapshot only																				-2.025
Piotroski F-Score	6	6	7	8	7	8	6	6	5	5	7	7	6	6	7	6	8	8	8	8	8
Beneish M-Score	-2.21	-2.20	-2.53	-2.54	-2.51	-2.48	-2.26	-2.15	-2.13	-2.19	-2.26	-2.29	-2.28	-2.29	-2.30	-2.33	-2.37	-2.36	-2.46	-2.51	-2.513
Ohlson O-Score	snapshot only																				-2.385
Net-Net WC	snapshot only																				$-407.06

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA-
Credit Score	77.37	78.64	87.88	89.41	89.56	89.74	91.36	91.92	91.64	91.77	91.83	82.52	82.32	82.30	75.71	75.87	75.50	75.01	82.73	82.35	82.349
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				6.479
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				84
Sector Credit Rank	snapshot only																				75

CHCO 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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