— Know what they know.
Not Investment Advice
Also trades as: CNOBP (NASDAQ) · $vol 0M

CNOB NASDAQ

ConnectOne Bancorp, Inc.
1W: -0.9% 1M: -3.0% 3M: -5.9% YTD: +18.6% 1Y: +26.4% 3Y: +85.9% 5Y: +18.4%
$30.78
+0.44 (+1.45%)
 
Weekly Expected Move ±2.3%
$29 $30 $31 $31 $32
NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 43 · $1.5B mcap · 47M float · 0.894% daily turnover · Short 49% of daily vol

Edge Score

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

NO EDGE
34.3 / 100
NoneWeakNarrowWide
Primary source: Network Effects  ·  ROIC: 18.2%  ·  5Y Avg: 17.2%
Cost Advantage
30
Intangibles
19
Switching Cost
37
Network Effect
53
Scale
42
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 has No discernible competitive edge (34.3/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. ROIC of 18.2% 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
$0
Low
$34
Avg Target
$34
High
Based on 1 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 0Buy: 10Hold: 1Sell: 0Strong Sell: 0
Rating Summary
ConsensusBuy
Avg Target$34.00
Analysts1
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@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.

A-
Oct 02, 2026
DCF
4
ROE
4
ROA
5
D/E
2
P/E
3
P/B
3
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 A-. Strongest factors: DCF (4/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (2/5).
Rating Change History
DateFromTo
2026-10-01 B+ A-
2026-07-27 B B+
2026-07-25 B+ B
2026-07-23 A- B+
2026-07-01 B+ A-
2026-06-24 B B+
2026-04-24 B- B
2026-04-23 B B-
2026-04-21 B+ B
2026-04-01 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.

★ ★ ★ ★ ★ 53 Grade D
Profitability
29
Balance Sheet
54
Earnings Quality
78
Growth
66
Value
93
Momentum
79
Safety
50
Cash Flow
80
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 Value (93/100) and lowest in Profitability (29/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

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

Altman-B Score
2.43
Grey Zone
Piotroski F-Score
6/9
✓ ✓ ✓ ✗ ✓ ✓ ✗ ✗ ✓
Beneish M-Score
0.19
Possible Manipulator
Ohlson O-Score
-5.98
Bankruptcy prob: 0.3%
Low Risk
Credit Rating
A+
Score: 75.5/100
Trend: Improving
Earnings Quality
75/100
OCF/NI: 0.84x
Accruals: 0.2%
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 2.43, 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 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. CNOB's score of 0.19 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 0.3% 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 A+ (score: 75.5/100), 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 75/100 is high — cash flows strongly support reported earnings.

Valuation

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

P/E
9.11x
PEG
0.03x
P/S
2.53x
P/B
0.95x
P/FCF
13.10x
P/OCF
12.50x
EV/EBITDA
4.14x
EV/Revenue
0.82x
EV/EBIT
4.52x
EV/FCF
3.88x
Earnings Yield
9.49%
FCF Yield
7.63%
Shareholder Yield
2.70%
Graham Number
$48.00
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 9.1x earnings, CNOB trades at a deep value multiple. An earnings yield of 9.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $48.00 per share, suggesting a potential 56% 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
0.724
NI / EBT
×
Interest Burden
1.998
EBT / EBIT
×
EBIT Margin
0.181
EBIT / Rev
×
Asset Turnover
0.043
Rev / Assets
×
Equity Multiplier
9.071
Assets / Equity
=
ROE
10.2%
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. CNOB's ROE of 10.2% is driven by financial leverage (equity multiplier: 9.07x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

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

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate
4.73%
Fair P/E
17.95x
Intrinsic Value
$56.98
Price/Value
0.59x
Margin of Safety
41.31%
Premium
-41.31%
Assessment
Neutral
Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CNOB's realized 4.7% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CNOB trades at a -41% premium to its adjusted intrinsic value of $56.98, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 18.0x compares to the current market P/E of 9.1x.

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
$30.78
Median 1Y
$30.53
5th Pctile
$15.00
95th Pctile
$61.96
Ann. Volatility
41.7%
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

ExecutiveSalaryStockTotal
Anthony C. Weagley,
President and Chief Executive Officer of Center and UCNB from August 23, 2007 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 27, 2008 and as Chief Financial Officer of UCNB until February 2008)
$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
$191,401 $— $218,431
Vincent Tozzi President,
dent, 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 Trend 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 12.4% 12.8% 12.4% 12.2% 11.2% 10.9% 10.2% 9.2% 8.6% 7.3% 6.6% 6.3% 6.0% 6.0% 6.2% 2.8% 4.4% 5.7% 6.9% 10.2% 10.25%
ROA 1.6% 1.7% 1.6% 1.6% 1.4% 1.4% 1.3% 1.2% 1.0% 0.9% 0.8% 0.8% 0.8% 0.7% 0.8% 0.3% 0.5% 0.7% 0.8% 1.1% 1.13%
ROIC 19.2% 13.6% 14.4% 10.7% 10.6% 9.6% 12.6% 9.1% 7.5% 6.3% 6.1% 5.6% 6.1% 4.4% 6.1% 2.8% 4.3% 5.7% 25.4% 18.2% 18.17%
ROCE 10.5% 9.7% 9.8% 7.9% 7.9% 7.5% 7.4% 6.7% 6.1% 5.0% 6.9% 6.7% 6.5% 7.0% 7.3% 2.8% 4.6% 0.8% 1.0% 0.8% 0.77%
Gross Margin 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% -1.7% -1.75%
Operating Margin 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% -1.8% -1.79%
Net Margin 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% 1.4% 1.42%
EBITDA Margin 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% 30.9% 30.6% -1.9% -1.94%
FCF Margin 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% 21.0% 21.02%
OCF Margin 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% 22.0% 22.02%
ROE 3Y Avg snapshot only 6.21%
ROE 5Y Avg snapshot only 7.78%
ROA 3Y Avg snapshot only 0.72%
ROIC 3Y Avg snapshot only 10.25%
ROIC Economic snapshot only 4.86%
Cash ROA snapshot only 0.94%
Cash ROIC snapshot only 30.60%
CROIC snapshot only 29.21%
NOPAT Margin snapshot only 13.08%
Pretax Margin snapshot only 36.09%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 12.11%
SBC / Revenue snapshot only 0.82%
Valuation
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
P/E Ratio 8.60 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 10.54 9.107
P/S Ratio 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 2.75 2.528
P/B Ratio 0.96 1.08 0.99 0.76 0.71 0.73 0.53 0.50 0.54 0.68 0.59 0.57 0.75 0.69 0.73 0.64 0.68 0.84 0.85 1.04 0.954
P/FCF 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 13.10 13.099
P/OCF 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 12.50 12.503
EV/EBITDA 3.54 5.79 4.93 5.13 4.82 5.56 2.29 3.81 5.55 8.13 7.01 7.74 8.47 12.29 8.47 13.71 9.61 9.07 0.93 4.14 4.143
EV/Revenue 1.92 3.30 2.74 2.78 2.41 2.54 0.91 1.26 1.62 1.98 1.51 1.59 1.63 2.39 1.73 1.47 1.49 1.70 0.20 0.82 0.817
EV/EBIT 3.67 5.98 5.09 5.30 4.97 5.74 2.37 3.96 5.78 8.54 7.40 8.18 8.97 13.00 8.92 15.49 10.77 10.19 1.05 4.52 4.520
EV/FCF 4.53 5.24 5.38 6.18 6.10 5.67 2.71 4.22 5.57 11.69 8.50 8.97 16.89 22.49 17.93 22.67 10.88 11.26 1.42 3.88 3.885
Earnings Yield 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% 9.5% 9.49%
FCF Yield 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% 7.6% 7.63%
PEG Ratio snapshot only 0.029
Price/Tangible Book snapshot only 1.247
EV/OCF snapshot only 3.708
EV/Gross Profit snapshot only 1.802
Acquirers Multiple snapshot only 4.520
Shareholder Yield snapshot only 2.70%
Graham Number snapshot only $48.00
Leverage & Solvency
Metric Trend 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 0.14 0.13 0.13 0.15 0.14 0.13 0.16 0.13 0.12 0.12 0.11 1.07 0.12 0.05 0.09 0.11 0.10 391.51 421.49 38.88 38.883
Quick Ratio 0.14 0.13 0.13 0.15 0.14 0.13 0.16 0.13 0.12 0.12 0.11 1.07 0.12 0.05 0.09 0.11 0.10 391.51 421.49 38.88 38.883
Debt/Equity 0.38 0.56 0.51 0.91 0.87 0.87 0.79 0.76 0.82 0.84 0.80 0.69 0.68 0.63 0.56 0.73 0.69 0.74 0.02 0.02 0.020
Net Debt/Equity -0.42 -0.15 -0.22 0.06 0.03 0.10 -0.21 -0.01 0.12 0.14 0.06 0.12 -0.05 0.34 0.00 -0.11 -0.07 -0.11 -0.76 -0.73 -0.729
Debt/Assets 0.05 0.08 0.07 0.12 0.10 0.11 0.09 0.09 0.10 0.10 0.10 0.09 0.09 0.08 0.07 0.08 0.08 0.08 0.00 0.00 0.002
Debt/EBITDA 2.47 3.50 3.21 5.74 5.61 5.78 5.61 6.00 6.89 8.35 8.66 7.82 8.11 7.52 6.53 18.73 11.11 9.24 0.20 0.27 0.273
Net Debt/EBITDA -2.70 -0.92 -1.37 0.36 0.21 0.67 -1.48 -0.10 1.01 1.35 0.65 1.35 -0.55 4.06 0.02 -2.75 -1.19 -1.37 -7.77 -9.83 -9.827
Interest Coverage 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 0.35 0.345
Equity Multiplier 7.24 7.23 7.32 7.73 8.25 8.18 8.36 8.11 8.15 8.10 8.10 7.94 7.78 7.96 7.79 9.30 9.12 8.90 8.93 8.86 8.861
Cash Ratio snapshot only 37.013
Debt Service Coverage snapshot only 0.377
Cash to Debt snapshot only 37.013
FCF to Debt snapshot only 3.909
Defensive Interval snapshot only 2800.9 days
Efficiency & Turnover
Metric Trend 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 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.05 0.05 0.05 0.05 0.06 0.06 0.04 0.043
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 9.21 9.12 9.33 9.75 9.75 9.65 10.55 11.38 11.36 10.59 10.80 11.18 11.44 11.30 11.00 10.02 11.51 0.12 0.13 10.00 9.996
Payables Turnover — — — — — — — — — — — — — — — — — — — — —
DSO 40 40 39 37 37 38 35 32 32 34 34 33 32 32 33 36 32 3077 2907 37 36.5 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 40 40 39 37 37 38 35 32 32 34 34 33 32 32 33 36 32 3077 2907 37 —
Fixed Asset Turnover snapshot only 7.279
Cash Velocity snapshot only 0.502
Capital Intensity snapshot only 23.537
Growth (YoY)
Metric Trend 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 -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% 11.9% 11.89%
Net Income 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% 3.3% 3.27%
EPS 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% 2.6% 2.57%
FCF 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% 2.6% 2.64%
EBITDA 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% 21.7% 43.2% 1.1% 1.06%
Op. Income 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% 1.1% 1.14%
OCF Growth snapshot only 2.44%
Asset Growth snapshot only 3.57%
Equity Growth snapshot only 8.69%
Debt Growth snapshot only -96.99%
Shares Change snapshot only 19.54%
Dividend Growth snapshot only 6.76%
Growth (CAGR)
Metric Trend 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 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% 10.0% 10.01%
Revenue 5Y 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% 14.4% 14.39%
EPS 3Y 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% 4.7% 4.73%
EPS 5Y 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% 1.8% 1.82%
Net Income 3Y 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% 14.1% 14.07%
Net Income 5Y 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% 6.7% 6.71%
EBITDA 3Y 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% -10.5% -2.6% -7.6% -7.56%
EBITDA 5Y 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% 5.4% 3.0% -5.4% -5.38%
Gross Profit 3Y 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% -0.6% -0.64%
Gross Profit 5Y 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% 1.5% 1.49%
Op. Income 3Y 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% -9.1% -9.06%
Op. Income 5Y 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% -6.2% -6.24%
FCF 3Y 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% -2.3% -2.28%
FCF 5Y 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% 0.9% 0.89%
OCF 3Y 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% -2.0% -2.04%
OCF 5Y 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% 1.5% 1.52%
Assets 3Y 14.0% 14.2% 11.3% 13.1% 15.4% 16.0% 11.0% 8.5% 9.1% 9.3% 9.8% 8.0% 6.6% 6.7% 5.4% 16.3% 13.9% 13.2% 12.6% 14.0% 14.01%
Assets 5Y 12.9% 12.9% 13.3% 13.6% 14.4% 13.6% 14.1% 13.0% 12.5% 12.5% 10.3% 9.7% 9.4% 9.9% 6.0% 12.8% 13.5% 13.2% 13.8% 13.3% 13.33%
Equity 3Y 22.7% 22.3% 18.6% 17.8% 16.8% 17.3% 11.7% 11.4% 10.1% 10.0% 9.1% 8.3% 4.1% 3.4% 3.2% 9.4% 10.2% 10.1% 10.1% 10.7% 10.69%
Book Value 3Y 14.4% 12.3% 14.0% 13.6% 12.6% 13.0% 11.9% 12.4% 10.9% 11.3% 10.3% 9.6% 5.3% 6.2% 4.3% 7.0% 7.7% 1.4% 1.4% 1.6% 1.62%
Dividend 3Y -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% -0.4% -0.41%
Growth Quality
Metric Trend 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 0.95 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 0.97 0.974
Earnings Stability 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 0.01 0.011
Margin Stability 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 0.71 0.711
Rev. Growth Consistency 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 1.00 1.000
Earn. Growth Consistency 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 0.50 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 0.88 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 0.50 0.500
Earnings Smoothness 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 0.00 0.000
ROE Trend 0.03 0.03 0.02 0.02 0.02 0.01 -0.01 -0.03 -0.03 -0.04 -0.04 -0.04 -0.04 -0.03 -0.02 -0.05 -0.03 -0.01 -0.00 0.05 0.054
Gross Margin Trend 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 -0.01 -0.006
FCF Margin Trend 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 0.09 0.089
Sustainable Growth Rate 10.8% 10.9% 10.3% 9.6% 8.6% 8.3% 7.6% 6.7% 5.9% 4.6% 3.9% 3.7% 3.3% 3.3% 3.5% 0.3% 1.8% 3.0% 4.1% 7.5% 7.49%
Internal Growth Rate 1.4% 1.4% 1.4% 1.2% 1.1% 1.1% 1.0% 0.9% 0.7% 0.6% 0.5% 0.5% 0.4% 0.4% 0.4% 0.0% 0.2% 0.4% 0.5% 0.8% 0.83%
Cash Flow Quality
Metric Trend 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 1.11 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 0.84 0.843
FCF/OCF 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 0.95 0.955
FCF/Net Income snapshot only 0.804
OCF/EBITDA snapshot only 1.117
CapEx/Revenue 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% 1.0% 1.00%
CapEx/Depreciation snapshot only 0.610
Accruals Ratio -0.00 -0.01 -0.00 -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 -0.00 -0.00 -0.00 0.00 0.002
Sloan Accruals snapshot only 0.844
Cash Flow Adequacy snapshot only 2.744
Earnings Quality Score snapshot only 0.750
Dividends & Buybacks
Metric Trend 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 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% 2.6% 2.44%
Dividend/Share $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 $0.85 $0.75
Payout Ratio 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% 26.9% 26.89%
FCF Payout Ratio 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% 33.4% 33.42%
Total Payout Ratio 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% 28.4% 28.44%
Div. Increase Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Chowder Number 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 0.30 0.302
Buyback Yield 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% 0.1% 0.15%
Net Buyback Yield 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% 0.1% 0.15%
Total Shareholder Return 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% 2.7% 2.70%
DuPont Factors
Metric Trend 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) 0.75 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 0.72 0.724
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 2.00 1.998
EBIT Margin 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 0.18 0.181
Asset Turnover 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.05 0.05 0.05 0.05 0.06 0.06 0.04 0.043
Equity Multiplier 7.74 7.69 7.61 7.85 7.76 7.72 7.85 7.93 8.20 8.14 8.23 8.02 7.96 8.03 7.94 8.69 8.52 8.48 8.43 9.07 9.071
Per Share
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
EPS (Diluted TTM) $3.08 $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 $3.17 $3.17
Book Value/Share $27.55 $26.88 $28.66 $28.97 $29.19 $29.93 $30.30 $30.74 $30.60 $31.48 $31.59 $31.84 $32.17 $32.23 $32.53 $35.48 $36.48 $31.21 $31.57 $32.26 $32.26
Tangible Book/Share $22.09 $21.68 $23.20 $23.48 $23.70 $24.46 $24.83 $25.23 $25.07 $25.93 $26.04 $26.28 $26.64 $26.70 $27.01 $28.80 $29.87 $25.65 $26.07 $26.82 $26.82
Revenue/Share $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 $12.15 $12.15
FCF/Share $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 $2.55 $2.55
OCF/Share $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 $2.67 $2.67
Cash/Share $21.97 $19.13 $20.73 $24.71 $24.34 $22.94 $30.32 $23.91 $21.51 $22.25 $23.29 $18.29 $23.20 $9.36 $18.34 $29.79 $28.05 $26.65 $24.51 $24.18 $24.18
EBITDA/Share $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 $2.51 $3.08 $2.39 $2.39
Debt/Share $10.50 $15.15 $14.52 $26.36 $25.28 $25.96 $23.98 $23.50 $25.22 $26.55 $25.19 $22.11 $21.73 $20.34 $18.38 $25.98 $25.33 $23.21 $0.61 $0.65 $0.65
Net Debt/Share $-11.48 $-3.98 $-6.21 $1.65 $0.94 $3.02 $-6.34 $-0.41 $3.71 $4.30 $1.90 $3.82 $-1.47 $10.97 $0.05 $-3.81 $-2.72 $-3.43 $-23.91 $-23.52 $-23.52
Academic Models
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Altman-B Score — — — — — — — — — — — — — — — — — — — — 2.428
Altman Z-Prime snapshot only 0.923
Piotroski F-Score 7 6 7 6 5 5 6 6 6 6 5 7 5 6 6 4 5 6 8 6 6
Beneish M-Score -2.58 -2.61 -2.48 -2.42 -2.16 -1.94 -1.80 -1.76 -2.06 -2.18 -2.25 -2.76 -2.41 -2.53 -2.60 1.66 -2.14 156.95 155.31 0.19 0.190
Ohlson O-Score snapshot only -5.981
ROIC (Greenblatt) snapshot only 8.31%
Net-Net WC snapshot only $-228.21
EVA snapshot only $36014829.91
Credit
Metric Trend Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24 Q2'24 Q3'24 Q4'24 Q1'25 Q2'25 Q3'25 Q4'25 Q1'26 Q2'26 Current
Credit Rating snapshot only A+
Credit Score 77.67 77.80 66.48 63.72 61.02 61.59 62.53 60.20 58.05 52.10 49.39 56.69 51.75 46.66 52.19 37.11 40.35 58.53 68.14 75.47 75.469
Credit Grade snapshot only 5
Credit Trend snapshot only 38.360
Implied Spread (bps) snapshot only 125.000
Industry Credit Rank snapshot only 76
Sector Credit Rank snapshot only 66

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms