$28.16

-0.06 (-0.21%)

Weekly Expected Move ±3.4%

$26 $27 $28 $29 $30

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 68 · $585.3M mcap · 20M float · 0.717% daily turnover · Short 32% of daily vol

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

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

Edge Score

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

NO EDGE

36.1 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 83.8% · 5Y Avg: 13.1%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale ★

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. CIVB has No discernible competitive edge (36.1/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. ROIC of 83.8% 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

Low

$30

Avg Target

$30

High

Based on 4 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 5Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$30.25

Analysts4

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-27	D.A. Davidson	Jeff Rulis	$26	$33	+7	+15.7%	$28.53
2026-07-27	Piper Sandler	—	$30	$31	+1	+8.5%	$28.58
2026-06-25	Piper Sandler	Adam Kroll	$27	$30	+3	+7.1%	$28.00
2026-04-24	Piper Sandler	Adam Kroll	Initiated	$27	—	+10.1%	$24.53
2025-08-18	Hovde Group	Brendan Nosal	Initiated	$22	—	+10.2%	$19.96
2025-07-14	D.A. Davidson	Manuel Navas	$27	$26	-1	+20.3%	$21.61
2025-01-31	D.A. Davidson	Manuel Navas	Initiated	$27	—	+22.4%	$22.06
2024-10-30	Stephens	Terry McEvoy	Initiated	$21	—	+12.1%	$18.74
2022-11-30	Janney Montgomery	—	Initiated	$27	—	+18.4%	$22.80

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 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

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

Rating Change History

Date	From	To
2026-10-26	B+	A-
2026-10-22	A-	B+
2026-10-12	A	A-
2026-10-01	B+	A
2026-07-25	B	B+
2026-07-23	A-	B
2026-07-01	B+	A-
2026-04-21	A-	B+
2026-04-01	B+	A-
2026-03-12	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.

★ ★ ★ ★ ★ 50 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. CIVB scores highest in Earnings Quality (95/100) and lowest in Profitability (46/100). 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

3.24

Safe Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✗ ✗

Beneish M-Score

-3.96

Unlikely Manipulator

Ohlson O-Score

-3.96

Bankruptcy prob: 1.9%

Low Risk

Credit Rating

Score: 70.9/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.07x

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. CIVB scores 3.24, 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. CIVB 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. CIVB's score of -3.96 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. CIVB's implied 1.9% 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. CIVB receives an estimated rating of A (score: 70.9/100), 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). CIVB's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

10.09x

PEG

2.46x

P/S

2.56x

P/B

1.05x

P/FCF

10.35x

P/OCF

10.07x

EV/EBITDA

1.51x

EV/Revenue

0.20x

EV/EBIT

1.51x

EV/FCF

0.81x

Earnings Yield

9.33%

FCF Yield

9.66%

Shareholder Yield

2.47%

Graham Number

$40.08

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 10.1x earnings, CIVB trades at a reasonable valuation. An earnings yield of 9.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $40.08 per share, suggesting a potential 42% 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

0.828

NI / EBT

Interest Burden

2.158

EBT / EBIT

EBIT Margin

0.135

EBIT / Rev

Asset Turnover

0.053

Rev / Assets

Equity Multiplier

8.734

Assets / Equity

ROE

11.2%

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. CIVB's ROE of 11.2% is driven by financial leverage (equity multiplier: 8.73x). 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

2.30%

Fair P/E

13.10x

Intrinsic Value

$34.28

Price/Value

0.82x

Margin of Safety

18.17%

Premium

-18.17%

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 CIVB's realized 2.3% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CIVB trades at a -18% premium to its adjusted intrinsic value of $34.28, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 13.1x compares to the current market P/E of 10.1x.

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

$28.16

Median 1Y

$27.99

5th Pctile

$15.42

95th Pctile

$51.26

Ann. Volatility

39.3%

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
Dennis G. Shaffer President and CEO	$573,657	$166,246	$2,894,036
Charles A. Parcher Exec. Vice President	$375,500	$108,820	$1,676,422
Richard J. Dutton Sr. Vice President	$315,775	$78,438	$1,562,561
Lance A. Morrison Sr. Vice President, Corporate Secretary and General Counsel	$237,404	$39,314	$786,478
Ian Whinnem Sr. Vice President, Treasurer and CFO	$265,846	$57,511	$486,617

CEO Pay Ratio

21:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,894,036

Avg Employee Cost (SGA/emp): $138,356

Employees: 526

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

526

-0.2% YoY

Revenue / Employee

$484,700

Rev: $254,952,000

Profit / Employee

$87,856

NI: $46,212,000

SGA / Employee

$138,356

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	11.5%	11.5%	11.3%	11.2%	11.8%	11.4%	13.0%	14.2%	14.3%	12.2%	10.2%	9.2%	8.6%	8.3%	9.3%	10.1%	9.8%	9.9%	10.7%	11.2%	11.19%
ROA	1.4%	1.4%	1.2%	1.2%	1.2%	1.2%	1.3%	1.4%	1.3%	1.1%	1.0%	0.9%	0.8%	0.8%	0.9%	1.0%	1.1%	1.1%	1.2%	1.3%	1.28%
ROIC	-14.8%	-15.9%	-8.8%	-14.6%	-24.9%	12.4%	3.1%	-1.2%	19.1%	29.4%	18.7%	10.4%	34.7%	6.2%	7.0%	17.1%	9.1%	70.3%	6.4%	83.8%	83.76%
ROCE	10.1%	8.8%	8.8%	8.2%	10.5%	8.2%	10.7%	11.2%	11.5%	9.4%	8.0%	7.3%	6.6%	6.7%	7.5%	8.3%	8.0%	1.3%	1.2%	4.3%	4.27%
Gross Margin	95.7%	95.5%	93.6%	93.0%	93.6%	87.0%	79.1%	72.9%	70.7%	59.6%	58.9%	59.5%	60.3%	63.3%	63.1%	63.8%	67.2%	69.7%	67.8%	54.2%	54.21%
Operating Margin	36.7%	41.7%	31.5%	29.3%	35.4%	30.7%	28.9%	22.0%	22.6%	18.6%	12.5%	13.4%	16.0%	18.5%	19.6%	20.7%	24.5%	22.5%	15.4%	-21.8%	-21.84%
Net Margin	30.5%	35.3%	26.6%	24.7%	29.5%	25.6%	24.1%	18.9%	19.2%	16.0%	11.0%	11.7%	13.5%	16.1%	16.7%	17.7%	20.0%	18.7%	26.9%	36.4%	36.44%
EBITDA Margin	37.4%	42.4%	32.2%	30.0%	36.6%	31.6%	29.6%	22.8%	23.4%	19.3%	13.1%	14.0%	16.0%	18.5%	20.1%	21.3%	24.5%	22.5%	15.4%	-21.8%	-21.84%
FCF Margin	29.3%	19.3%	14.4%	41.3%	13.2%	12.6%	16.6%	6.0%	25.4%	26.8%	18.4%	14.8%	11.1%	18.3%	19.2%	18.5%	20.6%	16.7%	20.4%	25.1%	25.06%
OCF Margin	30.7%	20.8%	15.9%	44.0%	15.8%	17.0%	21.1%	8.7%	28.0%	28.4%	19.4%	15.7%	11.6%	20.1%	21.0%	20.4%	22.6%	17.1%	21.0%	25.8%	25.77%
ROE 3Y Avg	snapshot only																				9.43%
ROE 5Y Avg	snapshot only																				10.74%
ROA 3Y Avg	snapshot only																				1.01%
ROIC Economic	snapshot only																				3.18%
Cash ROA	snapshot only																				1.35%
Cash ROIC	snapshot only																				1.92%
CROIC	snapshot only																				1.87%
NOPAT Margin	snapshot only																				11.22%
Pretax Margin	snapshot only																				29.21%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				41.82%
SBC / Revenue	snapshot only																				0.00%

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	7.52	7.74	8.07	7.29	7.26	7.68	5.17	5.11	4.65	5.93	5.88	6.52	8.21	9.69	8.11	8.74	7.48	9.51	9.12	10.72	10.093
P/S Ratio	2.25	2.40	2.40	2.14	2.11	2.04	1.34	1.23	1.02	1.15	0.95	0.94	1.07	1.27	1.18	1.40	1.32	1.74	1.88	2.59	2.565
P/B Ratio	0.86	0.88	0.94	0.89	0.92	0.90	0.65	0.67	0.64	0.68	0.58	0.58	0.65	0.79	0.72	0.85	0.66	0.81	0.84	1.03	1.054
P/FCF	7.70	12.42	16.69	5.17	15.99	16.20	8.02	20.56	4.00	4.30	5.18	6.34	9.71	6.93	6.11	7.55	6.40	10.43	9.24	10.35	10.355
P/OCF	7.34	11.54	15.14	4.85	13.35	12.02	6.32	14.16	3.63	4.06	4.91	5.98	9.24	6.33	5.61	6.86	5.82	10.15	8.98	10.07	10.066
EV/EBITDA	-6.61	-6.05	-9.87	-6.41	-3.83	5.91	-1.98	-2.70	2.11	0.55	0.89	4.09	-1.22	11.46	9.48	3.66	5.88	-0.69	11.35	1.51	1.505
EV/Revenue	-2.39	-2.27	-3.54	-2.27	-1.35	1.93	-0.63	-0.80	0.56	0.13	0.17	0.71	-0.19	1.77	1.63	0.69	1.24	-0.15	2.40	0.20	0.204
EV/EBIT	-6.73	-6.17	-10.06	-6.54	-3.93	6.07	-2.04	-2.78	2.17	0.57	0.92	4.25	-1.25	11.70	9.65	3.71	5.96	-0.70	11.43	1.51	1.505
EV/FCF	-8.18	-11.76	-24.59	-5.50	-10.27	15.30	-3.78	-13.34	2.21	0.49	0.95	4.78	-1.72	9.66	8.46	3.75	6.03	-0.91	11.76	0.81	0.814
Earnings Yield	13.3%	12.9%	12.4%	13.7%	13.8%	13.0%	19.3%	19.6%	21.5%	16.9%	17.0%	15.3%	12.2%	10.3%	12.3%	11.4%	13.4%	10.5%	11.0%	9.3%	9.33%
FCF Yield	13.0%	8.0%	6.0%	19.4%	6.3%	6.2%	12.5%	4.9%	25.0%	23.3%	19.3%	15.8%	10.3%	14.4%	16.4%	13.3%	15.6%	9.6%	10.8%	9.7%	9.66%
PEG Ratio	snapshot only																				2.459
Price/Tangible Book	snapshot only																				1.371
EV/OCF	snapshot only																				0.791
EV/Gross Profit	snapshot only																				0.310
Acquirers Multiple	snapshot only																				1.505
Shareholder Yield	snapshot only																				2.47%
Graham Number	snapshot only																				$40.08

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.30	0.33	0.36	0.31	0.23	0.23	0.24	0.23	0.22	0.22	0.22	0.21	0.22	0.11	0.12	0.21	0.12	4.32	0.98	0.21	0.214
Quick Ratio	0.30	0.33	0.36	0.31	0.23	0.23	0.24	0.23	0.22	0.22	0.22	0.21	0.22	0.11	0.12	0.21	0.12	4.32	0.98	0.21	0.214
Debt/Equity	0.37	0.57	0.62	0.70	0.62	1.92	1.00	0.77	1.66	1.22	1.31	1.64	1.01	1.16	1.19	1.35	0.69	0.52	0.38	0.40	0.403
Net Debt/Equity	-1.77	-1.72	-2.33	-1.83	-1.51	-0.05	-0.96	-1.11	-0.28	-0.61	-0.47	-0.14	-0.77	0.31	0.28	-0.43	-0.04	-0.88	0.23	-0.95	-0.947
Debt/Assets	0.04	0.07	0.06	0.07	0.06	0.18	0.10	0.07	0.15	0.12	0.12	0.15	0.10	0.11	0.11	0.13	0.08	0.07	0.05	0.05	0.053
Debt/EBITDA	2.66	4.16	4.40	4.74	4.05	13.31	6.47	4.78	9.91	8.70	10.98	15.22	10.62	12.08	11.22	11.63	6.51	5.08	4.04	7.51	7.513
Net Debt/EBITDA	-12.82	-12.45	-16.57	-12.43	-9.80	-0.35	-6.18	-6.87	-1.70	-4.32	-3.99	-1.33	-8.09	3.24	2.63	-3.70	-0.35	-8.55	2.44	-17.66	-17.656
Interest Coverage	6.65	7.63	7.34	6.95	6.46	4.26	2.67	1.77	1.22	0.83	0.59	0.47	0.40	0.41	0.46	0.53	0.61	0.67	0.65	0.40	0.400
Equity Multiplier	8.47	8.48	9.72	10.06	10.71	10.87	10.31	10.34	11.22	10.38	10.50	10.73	10.30	10.55	10.43	10.36	8.24	7.98	7.78	7.58	7.577
Cash Ratio	snapshot only																				0.214
Debt Service Coverage	snapshot only																				0.400
Cash to Debt	snapshot only																				3.350
FCF to Debt	snapshot only																				0.246
Defensive Interval	snapshot only																				2379.2 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	0.05	0.05	0.04	0.04	0.04	0.04	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	0.05	0.053
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	14.77	15.58	15.74	15.28	15.58	15.95	18.86	19.80	20.14	18.41	18.96	18.19	19.15	18.40	17.78	16.80	17.96	18.12	17.17	30.30	30.299
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	25	23	23	24	23	23	19	18	18	20	19	20	19	20	21	22	20	20	21	12	12.0 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	25	23	23	24	23	23	19	18	18	20	19	20	19	20	21	22	20	20	21	12	—
Fixed Asset Turnover	snapshot only																				6.000
Cash Velocity	snapshot only																				0.293
Capital Intensity	snapshot only																				19.127

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	7.8%	3.7%	-0.6%	-4.7%	-0.7%	13.1%	32.2%	52.6%	58.0%	49.2%	32.8%	21.4%	15.5%	9.4%	8.7%	6.0%	3.4%	4.5%	1.0%	-8.9%	-8.95%
Net Income	33.1%	26.0%	8.9%	-2.6%	-3.7%	-2.8%	14.6%	25.5%	18.8%	9.0%	-16.9%	-27.5%	-30.8%	-26.3%	-2.6%	17.9%	39.4%	45.9%	43.8%	37.7%	37.75%
EPS	41.0%	33.6%	16.0%	4.0%	-5.1%	-6.7%	12.2%	20.2%	20.2%	12.5%	-16.7%	-27.3%	-32.0%	-27.4%	-4.4%	15.7%	29.3%	11.3%	7.1%	2.3%	2.30%
FCF	4.2%	-16.5%	-10.1%	35.6%	-55.3%	-26.1%	52.8%	-77.9%	2.0%	2.2%	46.4%	2.0%	-49.7%	-25.3%	13.9%	32.5%	92.7%	-4.9%	7.0%	23.2%	23.22%
EBITDA	37.7%	29.0%	9.6%	-1.6%	-3.2%	-1.5%	17.0%	27.1%	19.4%	8.0%	-18.5%	-28.9%	-32.4%	-28.5%	-4.4%	16.1%	39.8%	49.8%	24.3%	-35.0%	-35.05%
Op. Income	38.8%	29.7%	9.9%	-1.5%	-3.8%	-2.4%	16.0%	25.9%	18.8%	7.6%	-19.2%	-29.6%	-32.5%	-27.7%	-2.5%	19.0%	42.4%	51.0%	25.5%	-34.1%	-34.11%
OCF Growth	snapshot only																				15.23%
Asset Growth	snapshot only																				2.59%
Equity Growth	snapshot only																				40.25%
Debt Growth	snapshot only																				-58.03%
Shares Change	snapshot only																				34.65%
Dividend Growth	snapshot only																				1.16%

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	17.4%	13.0%	8.7%	4.8%	4.0%	7.7%	12.4%	16.5%	19.1%	20.5%	20.4%	20.8%	21.9%	22.7%	24.0%	25.2%	23.6%	19.5%	13.4%	5.4%	5.41%
Revenue 5Y	14.0%	13.6%	13.1%	12.5%	13.1%	14.9%	17.2%	19.4%	20.5%	19.5%	17.7%	16.4%	15.5%	15.3%	15.4%	15.3%	15.1%	14.9%	13.9%	11.2%	11.24%
EPS 3Y	49.0%	47.8%	37.3%	24.0%	7.8%	7.6%	14.2%	17.6%	17.1%	11.9%	2.7%	-3.1%	-8.1%	-8.7%	-3.7%	0.4%	1.9%	-3.1%	-5.2%	-4.9%	-4.89%
EPS 5Y	11.5%	11.5%	11.8%	15.4%	15.2%	14.9%	14.8%	16.8%	30.4%	27.6%	19.3%	10.7%	0.5%	0.3%	3.5%	6.5%	7.2%	2.5%	2.1%	1.5%	1.47%
Net Income 3Y	55.6%	42.1%	31.5%	17.9%	4.4%	5.2%	11.0%	15.6%	15.0%	10.1%	1.2%	-4.0%	-7.5%	-7.9%	-2.5%	2.3%	4.6%	5.4%	5.2%	5.6%	5.57%
Net Income 5Y	18.8%	18.7%	17.4%	18.8%	19.8%	20.0%	19.2%	21.2%	33.9%	24.9%	16.7%	8.3%	-1.3%	-1.3%	2.1%	5.7%	8.0%	7.5%	7.8%	7.5%	7.54%
EBITDA 3Y	51.0%	42.0%	30.5%	16.9%	4.7%	6.1%	12.4%	17.4%	16.8%	11.1%	1.5%	-3.8%	-7.9%	-8.7%	-3.0%	1.6%	4.1%	5.0%	-1.1%	-18.8%	-18.75%
EBITDA 5Y	14.8%	14.9%	13.5%	15.1%	16.1%	16.2%	17.2%	20.3%	31.8%	24.9%	16.2%	7.6%	-1.5%	-1.6%	2.1%	5.9%	8.5%	8.0%	4.4%	-7.7%	-7.67%
Gross Profit 3Y	17.4%	14.5%	10.7%	6.9%	6.0%	8.9%	12.6%	15.5%	15.9%	13.6%	9.8%	6.9%	5.4%	5.7%	7.3%	9.2%	9.0%	7.2%	4.0%	-2.1%	-2.12%
Gross Profit 5Y	12.9%	13.0%	12.6%	12.3%	12.9%	14.1%	15.3%	16.3%	16.3%	13.5%	10.3%	8.2%	6.6%	6.9%	7.8%	8.6%	9.2%	9.5%	8.4%	4.6%	4.57%
Op. Income 3Y	50.7%	42.1%	30.9%	17.2%	4.7%	5.9%	12.3%	17.2%	16.7%	10.9%	1.0%	-4.4%	-8.3%	-8.8%	-2.9%	1.8%	4.5%	5.5%	-0.4%	-17.9%	-17.95%
Op. Income 5Y	15.1%	15.1%	13.7%	15.3%	16.2%	16.2%	17.0%	19.9%	31.4%	24.7%	16.0%	7.4%	-1.6%	-1.6%	2.2%	6.2%	8.8%	8.3%	4.8%	-7.3%	-7.30%
FCF 3Y	11.9%	11.0%	-9.2%	16.1%	-5.1%	-18.5%	-15.8%	-22.8%	12.4%	25.2%	26.2%	-3.5%	-11.8%	20.6%	36.6%	-4.2%	43.4%	31.1%	21.3%	69.8%	69.83%
FCF 5Y	32.1%	10.6%	23.8%	27.4%	1.3%	-1.2%	9.8%	-7.7%	13.8%	26.2%	10.9%	0.8%	5.5%	5.1%	-0.1%	12.8%	6.6%	6.9%	19.6%	8.0%	7.98%
OCF 3Y	12.6%	10.9%	-8.1%	16.5%	-3.3%	-12.6%	-10.7%	-16.8%	13.0%	24.9%	24.6%	-3.1%	-11.8%	21.3%	36.0%	-3.2%	39.3%	19.8%	13.1%	51.4%	51.39%
OCF 5Y	27.6%	9.0%	17.6%	25.1%	2.7%	3.9%	14.2%	-1.4%	15.4%	25.7%	10.7%	0.9%	4.0%	5.1%	0.4%	11.7%	6.8%	6.1%	18.1%	7.6%	7.61%
Assets 3Y	12.3%	12.1%	11.8%	11.3%	12.6%	16.4%	11.6%	8.7%	9.8%	11.7%	8.3%	11.1%	11.2%	10.8%	9.2%	11.3%	8.3%	6.0%	6.2%	5.9%	5.90%
Assets 5Y	16.6%	16.9%	15.2%	15.8%	16.7%	19.0%	17.5%	18.5%	12.3%	12.5%	11.2%	12.7%	12.3%	12.2%	10.0%	8.3%	7.9%	9.4%	7.1%	8.0%	7.99%
Equity 3Y	6.4%	5.9%	1.6%	-2.3%	-2.8%	0.5%	1.9%	1.3%	-0.9%	2.0%	1.8%	2.0%	4.2%	3.0%	6.6%	10.2%	18.1%	17.5%	16.7%	17.4%	17.45%
Book Value 3Y	1.9%	10.2%	6.1%	2.7%	0.4%	2.7%	4.9%	3.1%	0.9%	3.7%	3.3%	2.9%	3.5%	2.2%	5.3%	8.1%	15.0%	8.0%	5.2%	5.8%	5.81%
Dividend 3Y	-2.2%	8.3%	9.2%	10.1%	6.3%	4.2%	4.4%	3.9%	5.3%	5.9%	6.4%	4.9%	2.0%	0.7%	-0.3%	-1.1%	0.5%	-3.0%	-2.4%	-0.1%	-0.13%

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	0.92	0.95	0.93	0.86	0.85	0.94	0.91	0.82	0.80	0.82	0.83	0.79	0.78	0.83	0.88	0.87	0.87	0.90	0.93	0.79	0.792
Earnings Stability	0.69	0.78	0.85	0.94	0.76	0.82	0.91	0.96	0.76	0.74	0.63	0.47	0.10	0.05	0.13	0.18	0.19	0.19	0.30	0.30	0.299
Margin Stability	0.95	0.94	0.95	0.95	0.95	0.95	0.95	0.94	0.92	0.89	0.87	0.85	0.83	0.82	0.81	0.81	0.82	0.83	0.83	0.83	0.825
Rev. Growth Consistency	1.00	1.00	0.00	0.00	0.00	1.00	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	0.00	0.000
Earn. Growth Consistency	0.50	0.50	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	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	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.87	0.90	0.96	0.99	0.99	0.99	0.94	0.90	0.92	0.96	0.93	0.89	0.88	0.89	0.99	0.93	0.84	0.82	0.82	0.85	0.849
Earnings Smoothness	0.72	0.77	0.91	0.97	0.96	0.97	0.86	0.77	0.83	0.91	0.82	0.68	0.64	0.70	0.97	0.84	0.67	0.63	0.64	0.68	0.682
ROE Trend	0.02	0.02	0.02	0.02	0.03	0.01	0.02	0.02	0.02	-0.00	-0.02	-0.04	-0.05	-0.04	-0.02	-0.01	-0.02	-0.01	-0.00	0.00	0.002
Gross Margin Trend	0.06	0.08	0.09	0.07	0.06	0.02	-0.03	-0.10	-0.16	-0.23	-0.26	-0.26	-0.26	-0.20	-0.15	-0.09	-0.04	0.01	0.04	0.04	0.035
FCF Margin Trend	0.05	-0.07	-0.13	0.16	-0.17	-0.09	0.01	-0.29	0.04	0.11	0.03	-0.09	-0.08	-0.01	0.02	0.08	0.02	-0.06	0.02	0.08	0.084
Sustainable Growth Rate	9.3%	9.2%	8.9%	8.7%	9.2%	9.0%	10.4%	11.4%	11.4%	9.4%	7.4%	6.5%	5.9%	5.7%	6.6%	7.5%	7.3%	7.4%	8.0%	8.3%	8.30%
Internal Growth Rate	1.1%	1.1%	1.0%	1.0%	1.0%	0.9%	1.1%	1.1%	1.0%	0.9%	0.7%	0.6%	0.6%	0.5%	0.6%	0.7%	0.8%	0.8%	0.9%	1.0%	0.96%

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	1.02	0.67	0.53	1.50	0.54	0.64	0.82	0.36	1.28	1.46	1.20	1.09	0.89	1.53	1.45	1.27	1.28	0.94	1.02	1.07	1.065
FCF/OCF	0.95	0.93	0.91	0.94	0.83	0.74	0.79	0.69	0.91	0.95	0.95	0.94	0.95	0.91	0.92	0.91	0.91	0.97	0.97	0.97	0.972
FCF/Net Income	snapshot only																				1.035
OCF/EBITDA	snapshot only																				1.904
CapEx/Revenue	1.4%	1.5%	1.5%	2.7%	2.6%	4.4%	4.5%	2.7%	2.6%	1.6%	1.0%	0.9%	0.6%	1.7%	1.7%	1.9%	2.0%	0.5%	0.6%	0.7%	0.72%
Accruals Ratio	-0.00	0.00	0.01	-0.01	0.01	0.00	0.00	0.01	-0.00	-0.01	-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																				0.009
Cash Flow Adequacy	snapshot only																				3.697
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	2.6%	2.6%	2.7%	3.1%	3.0%	2.8%	3.8%	3.8%	4.4%	3.8%	4.6%	4.6%	3.9%	3.3%	3.5%	3.0%	3.4%	2.7%	2.8%	2.4%	2.52%
Dividend/Share	$0.51	$0.54	$0.55	$0.58	$0.55	$0.54	$0.57	$0.59	$0.61	$0.63	$0.65	$0.66	$0.65	$0.65	$0.66	$0.67	$0.67	$0.59	$0.62	$0.68	$0.71
Payout Ratio	19.3%	19.8%	21.5%	22.8%	21.9%	21.5%	19.6%	19.3%	20.4%	22.3%	27.2%	30.1%	32.0%	31.8%	28.7%	26.1%	25.3%	25.6%	25.3%	25.8%	25.84%
FCF Payout Ratio	19.8%	31.8%	44.5%	16.1%	48.3%	45.5%	30.5%	77.7%	17.6%	16.2%	24.0%	29.2%	37.8%	22.7%	21.6%	22.6%	21.6%	28.1%	25.7%	25.0%	24.96%
Total Payout Ratio	72.8%	74.8%	81.3%	81.4%	70.3%	64.4%	48.0%	33.2%	24.3%	26.1%	31.7%	35.0%	32.5%	31.8%	28.7%	26.2%	25.3%	26.0%	26.0%	26.4%	26.45%
Div. Increase Streak	1	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.09	0.15	0.17	0.18	0.12	0.08	0.08	0.10	0.15	0.17	0.20	0.17	0.12	0.08	0.06	0.05	0.13	0.20	0.30	0.39	0.386
Buyback Yield	7.1%	7.1%	7.4%	8.0%	6.7%	5.6%	5.5%	2.7%	0.8%	0.6%	0.8%	0.8%	0.1%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.06%
Net Buyback Yield	7.1%	7.1%	7.4%	8.0%	6.7%	5.6%	5.5%	2.7%	0.8%	0.6%	0.8%	0.8%	0.1%	0.0%	0.0%	0.0%	-23.1%	-17.2%	-16.2%	-12.9%	-12.93%
Total Shareholder Return	9.7%	9.7%	10.1%	11.2%	9.7%	8.4%	9.3%	6.5%	5.2%	4.4%	5.4%	5.4%	4.0%	3.3%	3.5%	3.0%	-19.7%	-14.5%	-13.4%	-10.5%	-10.52%

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	0.84	0.85	0.84	0.84	0.84	0.84	0.84	0.84	0.85	0.86	0.86	0.86	0.87	0.86	0.85	0.85	0.84	0.83	0.83	0.828
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	1.18	2.16	2.158
EBIT Margin	0.36	0.37	0.35	0.35	0.34	0.32	0.31	0.29	0.26	0.23	0.19	0.17	0.15	0.15	0.17	0.19	0.21	0.22	0.21	0.14	0.135
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	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	0.05	0.053
Equity Multiplier	8.36	8.20	9.21	9.11	9.51	9.64	10.02	10.21	10.98	10.61	10.41	10.54	10.72	10.47	10.46	10.54	9.15	9.05	8.89	8.73	8.734

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)	$2.63	$2.70	$2.58	$2.53	$2.50	$2.52	$2.89	$3.04	$3.00	$2.83	$2.41	$2.21	$2.04	$2.06	$2.30	$2.56	$2.64	$2.29	$2.46	$2.62	$2.62
Book Value/Share	$23.08	$23.67	$22.06	$20.77	$19.75	$21.40	$22.91	$23.04	$21.97	$24.55	$24.42	$24.69	$25.61	$25.23	$25.77	$26.21	$30.05	$26.92	$26.67	$27.29	$26.71
Tangible Book/Share	$17.48	$18.04	$16.39	$15.00	$12.36	$12.68	$13.96	$14.12	$13.06	$15.64	$15.53	$15.83	$16.92	$16.57	$17.14	$17.61	$22.09	$19.95	$19.90	$20.46	$20.46
Revenue/Share	$8.79	$8.72	$8.64	$8.64	$8.59	$9.46	$11.18	$12.62	$13.74	$14.58	$14.89	$15.37	$15.60	$15.69	$15.88	$15.99	$14.97	$12.51	$11.95	$10.81	$11.03
FCF/Share	$2.57	$1.68	$1.24	$3.57	$1.13	$1.19	$1.86	$0.76	$3.49	$3.91	$2.73	$2.28	$1.73	$2.88	$3.05	$2.96	$3.09	$2.09	$2.43	$2.71	$2.72
OCF/Share	$2.70	$1.81	$1.37	$3.80	$1.36	$1.61	$2.36	$1.10	$3.85	$4.14	$2.88	$2.41	$1.81	$3.15	$3.33	$3.26	$3.39	$2.14	$2.50	$2.79	$2.80
Cash/Share	$49.30	$54.30	$65.03	$52.63	$42.06	$42.20	$44.94	$43.48	$42.60	$44.86	$43.48	$44.06	$45.63	$21.43	$23.41	$46.52	$21.71	$37.75	$4.03	$36.84	$34.36
EBITDA/Share	$3.19	$3.27	$3.10	$3.07	$3.04	$3.09	$3.55	$3.73	$3.67	$3.44	$2.90	$2.66	$2.44	$2.42	$2.72	$3.03	$3.16	$2.77	$2.52	$1.46	$1.46
Debt/Share	$8.46	$13.61	$13.64	$14.53	$12.29	$41.12	$22.98	$17.85	$36.36	$29.97	$31.90	$40.53	$25.90	$29.28	$30.58	$35.28	$20.59	$14.08	$10.18	$11.00	$11.00
Net Debt/Share	$-40.84	$-40.70	$-51.39	$-38.11	$-29.77	$-1.08	$-21.96	$-25.64	$-6.24	$-14.89	$-11.58	$-3.53	$-19.73	$7.85	$7.17	$-11.24	$-1.12	$-23.67	$6.15	$-25.85	$-25.85

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.239
Altman Z-Prime	snapshot only																				-3.892
Piotroski F-Score	9	6	6	5	2	3	4	4	6	7	5	5	5	6	6	8	7	7	7	6	6
Beneish M-Score	-2.79	-2.74	-2.57	-2.47	-2.19	1.18	0.83	1.27	1.27	-1.91	-1.87	-2.18	-2.30	-2.59	-2.60	-2.63	-2.62	-3.20	-3.40	-3.96	-3.963
Ohlson O-Score	snapshot only																				-3.962
Net-Net WC	snapshot only																				$-142.66
EVA	snapshot only																				$22175482.11

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	80.28	63.80	63.40	66.69	57.18	50.83	60.09	58.77	59.10	60.21	54.64	44.88	52.64	45.66	46.89	54.41	59.64	81.40	65.05	70.94	70.944
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				16.533
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				70
Sector Credit Rank	snapshot only																				60

CIVB 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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