Also trades as: CNOBP (NASDAQ) · $vol 0M

$29.76

-0.01 (-0.03%)

Weekly Expected Move ±3.9%

$27 $28 $29 $30 $31

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 65 · $1.5B mcap · 47M float · 0.740% daily turnover · Short 66% of daily vol

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Edge Score

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

WEAK EDGE

41.8 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 7.0% · 5Y Avg: 17.7%

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. CNOB shows a Weak competitive edge (41.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 7.0% suggests modest returns relative to capital deployed.

Analyst Insights

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

Analyst Price Targets

$34

Low

$34

Avg Target

$34

High

Based on 1 analyst since Apr 23, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 10Hold: 0Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$34.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-27	Raymond James	—	$26	$34	+8	+15.5%	$29.45
2024-07-26	Piper Sandler	Frank Schiraldi	Initiated	$25	—	+0.6%	$24.86
2023-07-30	Raymond James	Daniel Tamayo	$28	$26	-2	+29.6%	$20.06
2022-08-02	Stephens	—	Initiated	$32	—	+20.6%	$26.54
2022-07-07	Raymond James	—	$33	$28	-5	+13.1%	$24.75
2022-04-29	Raymond James	—	Initiated	$33	—	+15.8%	$28.49

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.

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. CNOB receives an overall rating of B. Areas of concern: P/E (2/5).

Rating Change History

Date	From	To
2026-04-24	B-	B
2026-04-23	B	B-
2026-04-21	B+	B
2026-04-01	B-	B+
2026-02-26	B	B-

InsiderStreet Scorecard

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

★ ★ ★ ★ ★ 60 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. CNOB scores highest in Momentum (95/100) and lowest in Balance Sheet (50/100). An overall grade of A places CNOB among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman-B Score

2.34

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

155.64

Possible Manipulator

Ohlson O-Score

-6.87

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

BBB

Score: 58.6/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.09x

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. CNOB scores 2.34, 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. CNOB 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. CNOB's score of 155.64 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. 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. CNOB's implied 0.1% 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. CNOB receives an estimated rating of BBB (score: 58.6/100), 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). CNOB'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

15.31x

PEG

1.77x

P/S

2.04x

P/B

0.94x

P/FCF

13.31x

P/OCF

12.63x

EV/EBITDA

8.09x

EV/Revenue

1.60x

EV/EBIT

8.53x

EV/FCF

11.60x

Earnings Yield

7.26%

FCF Yield

7.52%

Shareholder Yield

3.20%

Graham Number

$36.95

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 15.3x earnings, CNOB trades at a reasonable valuation. An earnings yield of 7.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $36.95 per share, suggesting a potential 24% 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

0.711

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.188

EBIT / Rev

Asset Turnover

0.061

Rev / Assets

Equity Multiplier

8.484

Assets / Equity

ROE

7.0%

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. CNOB's ROE of 7.0% is driven by financial leverage (equity multiplier: 8.48x). 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

0.00%

Fair P/E

8.50x

Intrinsic Value

$16.53

Price/Value

1.62x

Margin of Safety

-61.98%

Premium

61.98%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CNOB's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. CNOB trades at a 62% premium to its adjusted intrinsic value of $16.53, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 15.3x.

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

$29.76

Median 1Y

$29.68

5th Pctile

$14.57

95th Pctile

$60.27

Ann. Volatility

41.7%

Analyst Target

$34.00

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
Anthony C. Weagley, President and Chief Executive Officer of Center and UCNB from August , to Present; Vice President and Treasurer of Center and Sr. Vice President and Cashier of UCNB (prior periods) (Mr. Weagley continued to serve as Chief Financial Officer of Center until March , and as Chief Financial Officer of UCNB until February )	$366,300	$25,000	$489,633
Mark S. Cardone Vice President of Center and Senior Vice President and Branch Administrator of the Bank (2001 to Present)	$175,638	$—	$226,530
Arthur M. Wein Vice President and Chief Operating Officer of Center and Senior Vice President and Chief Operating Officer of the Bank (October 2009 to Present); Vice President and Business Development Officer of the Summit Region of the Bank (April 2009 to October 2009)	$191,401	$—	$218,431
Vincent Tozzi Vice President, Treasurer and Chief Financial Officer of Center, March 28, 2011 to Present	$180,000	$—	$194,907
John J. Lukens Vice President and Senior Credit Administrator of Center and Senior Vice President and Senior Credit Administrator of the Bank (December 2009 to December 31, 2012); Vice President of the Bank (September 2004 to December 2009)	$160,344	$—	$184,083

CEO Pay Ratio

3:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $489,633

Avg Employee Cost (SGA/emp): $170,624

Employees: 750

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

750

+53.4% YoY

Revenue / Employee

$808,631

Rev: $606,473,000

Profit / Employee

$107,257

NI: $80,443,000

SGA / Employee

$170,624

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	14.0%	14.9%	12.8%	12.6%	12.6%	12.3%	10.9%	10.3%	9.4%	8.7%	7.3%	6.6%	6.4%	6.1%	6.0%	6.3%	3.0%	5.0%	5.7%	7.0%	6.96%
ROA	1.7%	1.8%	1.7%	1.6%	1.6%	1.6%	1.4%	1.3%	1.2%	1.1%	0.9%	0.8%	0.8%	0.7%	0.7%	0.8%	0.4%	0.6%	0.7%	0.8%	0.82%
ROIC	15.0%	16.0%	13.6%	13.4%	13.5%	13.1%	9.6%	9.2%	8.3%	7.7%	6.3%	5.7%	5.6%	5.3%	4.4%	4.6%	2.3%	3.7%	5.7%	7.0%	7.00%
ROCE	9.6%	10.3%	9.7%	9.7%	9.8%	9.6%	7.5%	7.1%	6.4%	6.0%	5.0%	4.6%	4.4%	4.2%	7.0%	7.3%	3.7%	6.1%	0.8%	1.0%	0.99%
Gross Margin	89.2%	87.8%	88.7%	87.8%	85.6%	71.3%	67.4%	57.9%	51.5%	50.6%	47.6%	45.1%	47.1%	45.8%	49.3%	51.6%	32.0%	56.0%	56.5%	56.8%	56.78%
Operating Margin	55.3%	53.0%	54.7%	52.1%	49.9%	39.2%	38.7%	28.6%	23.1%	22.5%	19.1%	17.3%	19.2%	17.2%	20.1%	21.2%	-16.7%	27.6%	28.3%	28.1%	28.10%
Net Margin	41.6%	39.6%	39.9%	38.3%	36.5%	28.8%	28.1%	21.0%	17.1%	16.8%	14.5%	12.9%	14.2%	12.7%	15.5%	15.7%	-13.4%	19.8%	20.9%	20.2%	20.23%
EBITDA Margin	57.1%	55.0%	56.4%	53.8%	51.4%	40.6%	39.9%	29.8%	24.3%	23.7%	20.3%	18.4%	20.2%	18.2%	21.2%	22.2%	-15.0%	30.1%	28.3%	28.1%	28.10%
FCF Margin	39.4%	42.3%	63.0%	50.9%	44.9%	39.5%	44.8%	33.5%	30.0%	29.1%	17.0%	17.8%	17.8%	9.7%	10.6%	9.6%	6.5%	13.7%	15.1%	13.8%	13.82%
OCF Margin	40.0%	43.5%	63.9%	51.9%	46.0%	40.3%	45.7%	34.8%	31.2%	30.1%	18.4%	18.7%	18.6%	10.6%	11.4%	10.4%	7.2%	14.7%	15.7%	14.6%	14.55%
ROE 3Y Avg	snapshot only																				6.31%
ROE 5Y Avg	snapshot only																				8.09%
ROA 3Y Avg	snapshot only																				0.76%
ROIC 3Y Avg	snapshot only																				8.62%
ROIC Economic	snapshot only																				3.59%
Cash ROA	snapshot only																				0.76%
Cash ROIC	snapshot only																				7.63%
CROIC	snapshot only																				7.24%
NOPAT Margin	snapshot only																				13.35%
Pretax Margin	snapshot only																				18.78%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				13.76%
SBC / Revenue	snapshot only																				0.65%

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	7.94	8.60	9.30	8.79	6.70	6.50	6.90	5.33	5.55	6.43	9.57	8.98	9.03	12.81	11.62	11.91	25.68	16.95	16.43	13.77	15.306
P/S Ratio	2.94	3.38	3.83	3.50	2.58	2.31	2.23	1.49	1.30	1.32	1.65	1.37	1.32	1.74	1.60	1.73	1.76	1.68	1.95	1.84	2.039
P/B Ratio	1.00	1.15	1.08	1.01	0.77	0.73	0.73	0.54	0.51	0.55	0.68	0.59	0.57	0.77	0.69	0.74	0.78	0.84	0.84	0.86	0.943
P/FCF	7.46	7.99	6.08	6.88	5.75	5.84	4.98	4.47	4.33	4.56	9.74	7.71	7.40	17.99	15.06	17.90	27.21	12.24	12.96	13.31	13.307
P/OCF	7.34	7.77	6.00	6.74	5.62	5.73	4.89	4.30	4.17	4.40	8.96	7.34	7.08	16.40	14.12	16.62	24.53	11.42	12.42	12.63	12.633
EV/EBITDA	4.86	5.39	5.79	5.37	3.85	3.67	5.56	4.48	4.69	5.37	8.13	7.85	7.92	10.63	12.29	12.35	23.68	15.19	9.44	8.09	8.087
EV/Revenue	2.47	2.91	3.30	2.99	2.08	1.84	2.54	1.78	1.56	1.57	1.98	1.69	1.63	2.05	2.39	2.52	2.53	2.36	1.70	1.60	1.603
EV/EBIT	5.06	5.59	5.98	5.55	3.98	3.79	5.74	4.63	4.87	5.60	8.54	8.28	8.36	11.26	13.00	13.02	26.76	17.03	10.19	8.53	8.533
EV/FCF	6.28	6.90	5.24	5.87	4.64	4.65	5.67	5.31	5.20	5.40	11.69	9.51	9.17	21.20	22.49	26.16	39.17	17.22	11.26	11.60	11.600
Earnings Yield	12.6%	11.6%	10.7%	11.4%	14.9%	15.4%	14.5%	18.7%	18.0%	15.6%	10.5%	11.1%	11.1%	7.8%	8.6%	8.4%	3.9%	5.9%	6.1%	7.3%	7.26%
FCF Yield	13.4%	12.5%	16.4%	14.5%	17.4%	17.1%	20.1%	22.4%	23.1%	22.0%	10.3%	13.0%	13.5%	5.6%	6.6%	5.6%	3.7%	8.2%	7.7%	7.5%	7.52%
PEG Ratio	snapshot only																				1.770
Price/Tangible Book	snapshot only																				1.044
EV/OCF	snapshot only																				11.013
EV/Gross Profit	snapshot only																				3.119
Acquirers Multiple	snapshot only																				8.533
Shareholder Yield	snapshot only																				3.20%
Graham Number	snapshot only																				$36.95

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	0.14	0.14	0.13	0.13	0.13	0.13	0.13	0.13	0.13	0.13	0.12	0.12	0.12	0.12	0.05	0.05	0.05	0.05	391.51	391.51	391.515
Quick Ratio	0.14	0.14	0.13	0.13	0.13	0.13	0.13	0.13	0.13	0.13	0.12	0.12	0.12	0.12	0.05	0.05	0.05	0.05	391.51	391.51	391.515
Debt/Equity	0.71	0.71	0.56	0.56	0.56	0.56	0.87	0.87	0.87	0.87	0.84	0.84	0.84	0.84	0.63	0.63	0.63	0.63	0.74	0.74	0.744
Net Debt/Equity	-0.16	-0.16	-0.15	-0.15	-0.15	-0.15	0.10	0.10	0.10	0.10	0.14	0.14	0.14	0.14	0.34	0.34	0.34	0.34	-0.11	-0.11	-0.110
Debt/Assets	0.09	0.09	0.08	0.08	0.08	0.08	0.11	0.11	0.11	0.11	0.10	0.10	0.10	0.10	0.08	0.08	0.08	0.08	0.08	0.08	0.084
Debt/EBITDA	4.06	3.82	3.50	3.53	3.50	3.57	5.78	6.08	6.69	7.19	8.35	9.17	9.44	9.94	7.52	7.23	13.40	8.14	9.62	8.04	8.044
Net Debt/EBITDA	-0.91	-0.86	-0.92	-0.93	-0.92	-0.94	0.67	0.71	0.78	0.84	1.35	1.49	1.53	1.61	4.06	3.90	7.23	4.40	-1.42	-1.19	-1.190
Interest Coverage	2.91	3.67	4.50	4.83	4.91	3.75	2.39	1.45	0.92	0.67	0.50	0.42	0.39	0.36	0.36	0.39	0.20	0.31	0.39	0.45	0.447
Equity Multiplier	8.25	8.25	7.23	7.23	7.23	7.23	8.18	8.18	8.18	8.18	8.10	8.10	8.10	8.10	7.96	7.96	7.96	7.96	8.90	8.90	8.900
Cash Ratio	snapshot only																				41.402
Debt Service Coverage	snapshot only																				0.472
Cash to Debt	snapshot only																				1.148
FCF to Debt	snapshot only																				0.087
Defensive Interval	snapshot only																				19372.5 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	0.05	0.05	0.04	0.04	0.04	0.05	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.061
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	11.11	11.12	9.12	9.31	9.63	10.19	9.65	10.57	11.47	12.14	10.59	10.90	11.10	11.26	11.30	11.21	11.57	13.09	0.12	0.13	0.129
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO (trade)	33	33	40	39	38	36	38	35	32	30	34	33	33	32	32	33	32	28	3077	2835	2835.4 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 (trade)	33	33	40	39	38	36	38	35	32	30	34	33	33	32	32	33	32	28	3077	2835	—
Fixed Asset Turnover	snapshot only																				8.648
Cash Velocity	snapshot only																				0.546
Capital Intensity	snapshot only																				19.075

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	2.3%	-0.3%	-1.8%	1.6%	7.0%	13.1%	22.2%	31.1%	37.5%	37.6%	30.3%	22.4%	14.9%	10.1%	6.1%	2.3%	3.6%	15.5%	26.5%	38.4%	38.40%
Net Income	82.6%	85.1%	82.9%	31.0%	11.4%	2.2%	-3.9%	-7.7%	-16.4%	-20.2%	-30.5%	-33.2%	-28.6%	-27.5%	-15.2%	-3.1%	-51.3%	-15.7%	9.0%	27.6%	27.58%
EPS	83.6%	84.1%	75.2%	31.2%	12.6%	3.6%	2.0%	-6.7%	-15.4%	-19.2%	-29.2%	-31.9%	-27.6%	-26.9%	-14.9%	-3.1%	-55.6%	-23.0%	-16.7%	-2.5%	-2.54%
FCF	23.9%	37.5%	1.5%	43.8%	22.0%	5.8%	-13.0%	-13.8%	-8.2%	1.1%	-50.7%	-34.9%	-32.0%	-63.4%	-33.4%	-44.6%	-62.3%	64.0%	79.3%	98.3%	98.28%
EBITDA	87.5%	87.9%	86.0%	34.3%	13.8%	4.7%	-2.2%	-6.5%	-15.6%	-19.8%	-30.5%	-33.4%	-28.8%	-27.4%	-15.3%	-3.2%	-46.2%	-6.8%	16.9%	34.3%	34.29%
Op. Income	92.0%	94.3%	93.7%	36.7%	14.8%	5.2%	-2.2%	-6.6%	-16.1%	-20.6%	-31.7%	-34.7%	-30.0%	-28.5%	-15.8%	-3.1%	-49.7%	-12.0%	14.5%	34.1%	34.13%
OCF Growth	snapshot only																				93.99%
Asset Growth	snapshot only																				41.73%
Equity Growth	snapshot only																				26.71%
Debt Growth	snapshot only																				49.36%
Shares Change	snapshot only																				30.91%
Dividend Growth	snapshot only																				19.15%

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	14.8%	13.3%	12.7%	11.0%	9.9%	9.7%	11.5%	13.2%	14.6%	15.8%	16.0%	17.7%	19.1%	19.6%	19.1%	17.9%	17.8%	20.5%	20.5%	20.1%	20.09%
Revenue 5Y	14.2%	13.3%	13.1%	13.0%	13.3%	14.4%	15.3%	16.5%	17.4%	17.8%	17.9%	17.0%	15.9%	14.9%	13.8%	12.7%	12.4%	14.6%	16.0%	18.2%	18.18%
EPS 3Y	27.3%	24.0%	18.7%	19.1%	18.5%	16.5%	15.2%	20.8%	20.5%	15.5%	8.2%	-5.9%	-11.6%	-15.1%	-15.0%	-14.9%	-35.2%	-23.1%	-20.5%	-13.7%	-13.67%
EPS 5Y	16.2%	17.0%	25.2%	26.2%	29.1%	27.4%	18.7%	22.4%	14.5%	9.8%	3.8%	1.4%	0.4%	-1.4%	-1.7%	3.1%	-10.9%	-2.8%	-2.2%	-4.7%	-4.67%
Net Income 3Y	36.5%	33.0%	29.3%	23.9%	22.9%	20.8%	19.5%	20.5%	19.4%	14.7%	6.9%	-6.9%	-12.7%	-16.1%	-17.3%	-15.8%	-33.7%	-21.3%	-13.7%	-6.2%	-6.20%
Net Income 5Y	22.7%	23.6%	33.2%	31.6%	34.4%	32.6%	23.7%	27.3%	18.9%	13.9%	7.6%	3.2%	2.1%	0.4%	0.1%	2.5%	-10.0%	-1.6%	2.4%	-0.0%	-0.05%
EBITDA 3Y	29.9%	30.7%	34.2%	28.6%	27.5%	23.7%	21.5%	22.3%	21.7%	16.4%	8.1%	-5.8%	-11.9%	-15.2%	-16.8%	-15.5%	-31.4%	-18.4%	-11.7%	-4.7%	-4.70%
EBITDA 5Y	19.7%	20.7%	31.3%	30.2%	33.9%	32.4%	19.6%	22.8%	16.1%	13.4%	10.4%	5.8%	4.5%	2.0%	1.1%	3.4%	-7.2%	1.3%	4.6%	1.7%	1.69%
Gross Profit 3Y	23.1%	24.2%	26.0%	20.8%	20.0%	18.1%	16.9%	16.5%	14.1%	11.2%	7.3%	1.8%	-0.8%	-2.7%	-4.1%	-3.5%	-6.1%	0.4%	4.3%	8.6%	8.60%
Gross Profit 5Y	17.1%	17.7%	22.8%	21.7%	21.2%	20.1%	15.1%	17.1%	15.4%	14.4%	13.0%	9.2%	8.2%	7.0%	6.1%	6.6%	4.9%	8.1%	9.8%	9.6%	9.56%
Op. Income 3Y	30.5%	31.3%	35.0%	29.2%	28.2%	24.3%	22.1%	23.2%	22.7%	17.6%	9.0%	-5.9%	-12.3%	-15.8%	-17.5%	-16.1%	-33.4%	-20.6%	-13.0%	-5.3%	-5.33%
Op. Income 5Y	20.0%	21.1%	32.5%	31.4%	35.5%	34.0%	20.1%	23.6%	16.4%	13.6%	10.5%	5.6%	4.3%	1.8%	0.9%	3.4%	-8.2%	0.4%	4.5%	1.6%	1.63%
FCF 3Y	-3.2%	1.1%	31.9%	27.4%	30.5%	18.9%	43.1%	15.9%	11.5%	13.7%	2.6%	-6.9%	-8.7%	-26.8%	-34.2%	-32.3%	-38.3%	-15.3%	-16.2%	-10.6%	-10.58%
FCF 5Y	20.0%	21.7%	33.5%	20.6%	16.2%	12.3%	6.2%	2.6%	0.3%	2.0%	-0.4%	3.0%	6.8%	-9.1%	-0.8%	-10.9%	-18.7%	-2.5%	5.2%	-2.4%	-2.38%
OCF 3Y	-3.1%	1.5%	31.4%	27.1%	30.0%	18.8%	42.8%	16.1%	12.3%	14.6%	4.5%	-5.5%	-7.8%	-25.3%	-33.1%	-31.0%	-36.6%	-13.9%	-15.6%	-10.2%	-10.16%
OCF 5Y	18.7%	20.9%	32.4%	20.1%	16.0%	11.9%	6.2%	3.1%	0.9%	2.4%	0.8%	3.5%	7.0%	-7.8%	0.0%	-10.2%	-17.3%	-1.3%	5.5%	-1.5%	-1.46%
Assets 3Y	13.9%	13.9%	14.2%	14.2%	14.2%	14.2%	16.0%	16.0%	16.0%	16.0%	9.3%	9.3%	9.3%	9.3%	6.7%	6.7%	6.7%	6.7%	13.2%	13.2%	13.23%
Assets 5Y	13.4%	13.4%	12.9%	12.9%	12.9%	12.9%	13.6%	13.6%	13.6%	13.6%	12.5%	12.5%	12.5%	12.5%	9.9%	9.9%	9.9%	9.9%	13.2%	13.2%	13.16%
Equity 3Y	17.4%	17.4%	22.3%	22.3%	22.3%	22.3%	17.3%	17.3%	17.3%	17.3%	10.0%	10.0%	10.0%	10.0%	3.4%	3.4%	3.4%	3.4%	10.1%	10.1%	10.10%
Book Value 3Y	9.5%	9.5%	12.3%	17.6%	18.0%	18.0%	13.0%	17.5%	18.3%	18.1%	11.3%	11.2%	11.3%	11.2%	6.2%	4.4%	1.1%	1.0%	1.4%	1.3%	1.33%
Dividend 3Y	15.5%	-2.3%	1.3%	11.4%	9.5%	17.4%	11.1%	11.1%	2.9%	3.8%	4.0%	3.3%	5.3%	2.7%	4.2%	2.3%	-1.2%	0.5%	-3.8%	-2.4%	-2.43%

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	0.96	0.95	0.94	0.95	0.95	0.95	0.95	0.92	0.88	0.87	0.89	0.90	0.90	0.89	0.91	0.90	0.90	0.93	0.93	0.90	0.902
Earnings Stability	0.75	0.76	0.84	0.94	0.92	0.90	0.86	0.90	0.75	0.63	0.40	0.24	0.13	0.05	0.01	0.00	0.17	0.14	0.11	0.26	0.256
Margin Stability	0.89	0.87	0.83	0.85	0.84	0.85	0.87	0.87	0.83	0.82	0.79	0.80	0.77	0.75	0.73	0.74	0.72	0.75	0.78	0.78	0.783
Rev. Growth Consistency	1.00	0.00	0.00	1.00	1.00	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	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	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	0.50	0.50	0.50	0.88	0.95	0.99	0.98	0.97	0.93	0.92	0.88	0.87	0.89	0.89	0.94	0.99	0.50	0.94	0.96	0.89	0.890
Earnings Smoothness	0.42	0.40	0.41	0.73	0.89	0.98	0.96	0.92	0.82	0.78	0.64	0.60	0.67	0.68	0.84	0.97	0.31	0.83	0.91	0.76	0.758
ROE Trend	0.03	0.03	0.03	0.01	0.01	-0.00	0.01	-0.01	-0.03	-0.04	-0.04	-0.04	-0.04	-0.04	-0.03	-0.02	-0.05	-0.02	-0.01	-0.00	-0.001
Gross Margin Trend	0.18	0.21	0.23	0.19	0.15	0.08	-0.01	-0.12	-0.23	-0.28	-0.31	-0.30	-0.27	-0.23	-0.18	-0.11	-0.10	-0.04	0.01	0.03	0.029
FCF Margin Trend	0.10	0.11	0.40	0.17	0.09	0.03	0.01	-0.10	-0.12	-0.12	-0.37	-0.24	-0.20	-0.25	-0.20	-0.16	-0.17	-0.06	0.01	0.00	0.001
Sustainable Growth Rate	11.8%	13.0%	10.9%	10.4%	10.0%	9.5%	8.3%	7.7%	6.8%	6.0%	4.6%	3.9%	3.7%	3.3%	3.3%	3.5%	0.3%	2.1%	3.0%	4.1%	4.11%
Internal Growth Rate	1.4%	1.6%	1.4%	1.4%	1.3%	1.3%	1.1%	1.0%	0.9%	0.8%	0.6%	0.5%	0.5%	0.4%	0.4%	0.4%	0.0%	0.3%	0.4%	0.5%	0.49%

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	1.08	1.11	1.55	1.30	1.19	1.13	1.41	1.24	1.33	1.46	1.07	1.22	1.27	0.78	0.82	0.72	1.05	1.48	1.32	1.09	1.090
FCF/OCF	0.98	0.97	0.99	0.98	0.98	0.98	0.98	0.96	0.96	0.97	0.92	0.95	0.96	0.91	0.94	0.93	0.90	0.93	0.96	0.95	0.949
FCF/Net Income	snapshot only																				1.035
OCF/EBITDA	snapshot only																				0.734
CapEx/Revenue	0.6%	1.2%	0.9%	1.1%	1.1%	0.8%	0.9%	1.3%	1.2%	1.0%	1.5%	0.9%	0.8%	0.9%	0.7%	0.7%	0.7%	1.0%	0.6%	0.7%	0.74%
CapEx/Depreciation	snapshot only																				0.710
Accruals Ratio	-0.00	-0.00	-0.01	-0.01	-0.00	-0.00	-0.01	-0.00	-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																				1.737
Cash Flow Adequacy	snapshot only																				2.346
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	2.0%	1.5%	1.6%	2.0%	3.2%	3.5%	3.4%	4.8%	4.9%	4.9%	3.8%	4.6%	4.7%	3.5%	3.9%	3.7%	3.5%	3.5%	2.9%	3.0%	2.47%
Dividend/Share	$0.47	$0.40	$0.46	$0.56	$0.69	$0.73	$0.75	$0.77	$0.74	$0.81	$0.83	$0.84	$0.85	$0.86	$0.86	$0.87	$0.80	$0.85	$0.75	$0.80	$0.73
Payout Ratio	16.2%	13.0%	14.7%	17.3%	21.3%	22.9%	23.5%	25.6%	27.0%	31.4%	36.7%	40.9%	42.5%	45.4%	45.1%	43.8%	89.9%	58.5%	47.2%	40.9%	40.94%
FCF Payout Ratio	15.2%	12.0%	9.6%	13.5%	18.2%	20.5%	17.0%	21.4%	21.1%	22.2%	37.4%	35.1%	34.8%	63.7%	58.5%	65.9%	95.3%	42.2%	37.2%	39.6%	39.57%
Total Payout Ratio	19.4%	20.5%	22.9%	27.5%	37.1%	36.1%	35.7%	38.5%	38.8%	48.5%	59.0%	68.3%	62.8%	58.4%	45.1%	51.0%	1.0%	66.6%	50.0%	44.0%	44.00%
Div. Increase Streak	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.92	0.16	0.36	0.58	0.49	0.84	0.57	0.41	0.11	0.14	0.12	0.11	0.17	0.08	0.08	0.08	0.07	0.12	0.17	0.22	0.221
Buyback Yield	0.4%	0.9%	0.9%	1.2%	2.4%	2.0%	1.8%	2.4%	2.1%	2.7%	2.3%	3.0%	2.2%	1.0%	0.0%	0.6%	0.5%	0.5%	0.2%	0.2%	0.22%
Net Buyback Yield	0.4%	0.9%	0.9%	1.2%	2.4%	2.0%	1.8%	2.4%	2.1%	2.7%	2.3%	3.0%	2.2%	1.0%	0.0%	0.6%	0.5%	0.5%	0.2%	0.2%	0.22%
Total Shareholder Return	2.4%	2.4%	2.5%	3.1%	5.5%	5.6%	5.2%	7.2%	7.0%	7.5%	6.2%	7.6%	7.0%	4.6%	3.9%	4.3%	4.0%	3.9%	3.0%	3.2%	3.20%

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)	0.76	0.75	0.74	0.74	0.74	0.73	0.73	0.73	0.73	0.74	0.74	0.75	0.75	0.75	0.75	0.75	0.72	0.71	0.71	0.71	0.711
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	0.49	0.52	0.55	0.54	0.52	0.49	0.44	0.38	0.32	0.28	0.23	0.20	0.19	0.18	0.18	0.19	0.09	0.14	0.17	0.19	0.188
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.05	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.061
Equity Multiplier	8.33	8.33	7.69	7.69	7.69	7.69	7.72	7.72	7.72	7.72	8.14	8.14	8.14	8.14	8.03	8.03	8.03	8.03	8.48	8.48	8.484

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)	$2.90	$3.08	$3.12	$3.24	$3.27	$3.20	$3.18	$3.02	$2.76	$2.58	$2.25	$2.06	$2.00	$1.89	$1.92	$2.00	$0.89	$1.45	$1.60	$1.94	$1.94
Book Value/Share	$22.96	$22.96	$26.88	$28.30	$28.49	$28.58	$29.93	$29.99	$30.21	$30.36	$31.48	$31.59	$31.64	$31.58	$32.23	$32.24	$29.44	$29.44	$31.21	$31.21	$31.57
Tangible Book/Share	$17.45	$17.46	$21.68	$22.83	$22.98	$23.05	$24.46	$24.50	$24.68	$24.80	$25.93	$26.03	$26.07	$26.02	$26.70	$26.71	$24.39	$24.39	$25.65	$25.65	$25.65
Revenue/Share	$7.84	$7.85	$7.57	$8.14	$8.48	$8.99	$9.83	$10.79	$11.79	$12.54	$13.04	$13.47	$13.74	$13.91	$13.88	$13.77	$12.98	$14.69	$13.42	$14.56	$14.56
FCF/Share	$3.09	$3.32	$4.77	$4.14	$3.81	$3.56	$4.41	$3.61	$3.54	$3.64	$2.21	$2.40	$2.44	$1.34	$1.48	$1.33	$0.84	$2.01	$2.02	$2.01	$2.01
OCF/Share	$3.14	$3.41	$4.84	$4.23	$3.90	$3.62	$4.49	$3.75	$3.68	$3.77	$2.40	$2.52	$2.55	$1.47	$1.58	$1.43	$0.93	$2.16	$2.11	$2.12	$2.12
Cash/Share	$19.86	$19.86	$19.13	$20.14	$20.27	$20.34	$22.94	$22.98	$23.15	$23.26	$22.25	$22.33	$22.36	$22.32	$9.36	$9.37	$8.55	$8.55	$26.65	$26.65	$24.51
EBITDA/Share	$3.99	$4.24	$4.32	$4.52	$4.59	$4.51	$4.49	$4.28	$3.92	$3.66	$3.18	$2.91	$2.83	$2.68	$2.70	$2.81	$1.39	$2.28	$2.41	$2.89	$2.89
Debt/Share	$16.22	$16.22	$15.15	$15.95	$16.05	$16.11	$25.96	$26.01	$26.20	$26.33	$26.55	$26.65	$26.69	$26.64	$20.34	$20.34	$18.58	$18.58	$23.21	$23.21	$23.21
Net Debt/Share	$-3.64	$-3.64	$-3.98	$-4.19	$-4.22	$-4.23	$3.02	$3.03	$3.05	$3.07	$4.30	$4.32	$4.33	$4.32	$10.97	$10.98	$10.03	$10.03	$-3.43	$-3.43	$-3.43

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.343
Altman Z-Prime	snapshot only																				6.273
Piotroski F-Score	8	7	6	6	7	6	6	6	6	6	6	6	6	5	6	6	5	6	7	8	8
Beneish M-Score	-1.91	-1.89	-2.61	-2.48	-2.48	-2.33	-1.94	-1.80	-1.74	-1.91	-2.18	-2.25	-2.37	-2.34	-2.53	-2.59	-2.26	-2.44	156.95	155.64	155.644
Ohlson O-Score	snapshot only																				-6.865
ROIC (Greenblatt)	snapshot only																				1.08%
Net-Net WC	snapshot only																				$5.43
EVA	snapshot only																				$-42001100.00

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																				BBB
Credit Score	63.53	63.96	77.70	65.41	64.49	64.29	61.40	60.82	57.83	56.86	51.78	47.22	44.88	44.85	46.67	46.67	40.87	44.10	58.30	58.55	58.551
Credit Grade	snapshot only																				9
Credit Trend	snapshot only																				11.878
Implied Spread (bps)	snapshot only																				275.000
Industry Credit Rank	snapshot only																				41
Sector Credit Rank	snapshot only																				46

CNOB 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

Sign in to InsiderStreet