$34.73

-0.08 (-0.23%)

Weekly Expected Move ±3.0%

$32 $33 $34 $35 $36

NYSE · Financial Services · Banks - Regional · Alpha Radar Buy · Power 62 · $906.5M mcap · 25M float · 0.607% daily turnover · Short 62% of daily vol

Edge Score

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

NARROW EDGE

56.3 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: -70.9%

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. CPF has a Narrow competitive edge (56.3/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. Negative ROIC of -70.9% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

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

Analyst Price Targets

Analyst Recommendations

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

Rating Summary

ConsensusHold

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2024-09-17	Piper Sandler	Andrew Liesch	Initiated	$30	—	+3.2%	$29.07
2022-07-07	Raymond James	—	Initiated	$26	—	+17.5%	$22.12

Financial Rating

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

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

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

Rating Change History

Date	From	To
2026-05-20	A-	B+
2026-04-29	B+	A-
2026-04-21	A-	B+
2026-04-01	B+	A-
2026-02-19	A-	B+
2026-01-28	B+	A-
2026-01-26	A-	B+
2026-01-03	B+	A-

InsiderStreet Scorecard

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

★ ★ ★ ★ ★ 62 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. CPF scores highest in Value (93/100) and lowest in Safety (50/100). An overall grade of A+ places CPF 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

2.02

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✗ ✓ ✓ ✓ ✓

Beneish M-Score

-2.54

Unlikely Manipulator

Ohlson O-Score

-5.32

Bankruptcy prob: 0.5%

Low Risk

Credit Rating

Score: 71.3/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.19x

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. CPF scores 2.02, 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. CPF 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. CPF's score of -2.54 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. CPF's implied 0.5% 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. CPF receives an estimated rating of A (score: 71.3/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). CPF'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

11.34x

PEG

0.28x

P/S

2.50x

P/B

1.54x

P/FCF

9.63x

P/OCF

8.85x

EV/EBITDA

1.22x

EV/Revenue

0.37x

EV/EBIT

1.29x

EV/FCF

1.55x

Earnings Yield

9.53%

FCF Yield

10.38%

Shareholder Yield

7.27%

Graham Number

$39.21

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 11.3x earnings, CPF trades at a reasonable valuation. An earnings yield of 9.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $39.21 per share, suggesting a potential 13% 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

0.784

NI / EBT

Interest Burden

0.977

EBT / EBIT

EBIT Margin

0.290

EBIT / Rev

Asset Turnover

0.049

Rev / Assets

Equity Multiplier

13.158

Assets / Equity

ROE

14.2%

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. CPF's ROE of 14.2% is driven by financial leverage (equity multiplier: 13.16x). 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

5.33%

Fair P/E

19.17x

Intrinsic Value

$58.37

Price/Value

0.55x

Margin of Safety

45.25%

Premium

-45.25%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CPF's realized 5.3% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $58.37, CPF appears undervalued with a 45% margin of safety. The adjusted fair P/E of 19.2x compares to the current market P/E of 11.3x.

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

$34.76

Median 1Y

$34.74

5th Pctile

$17.93

95th Pctile

$67.05

Ann. Volatility

38.0%

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
Arnold D. Martines Chairman, President, Chief Executive Officer	$703,308	$787,526	$2,763,135
David S. Morimoto Vice Chairman Chief Operating Officer	$519,712	$400,114	$1,618,729
Ralph M. Mesick Sr. Executive Vice President Chief Risk Officer	$400,662	$307,131	$1,238,983
Dayna N. Matsumoto Executive Vice President Chief Financial Officer	$346,769	$183,916	$843,970
Kisan Jo President, Vice President, Retail, Wealth and International Markets	$324,955	$166,115	$772,336

CEO Pay Ratio

20:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,763,135

Avg Employee Cost (SGA/emp): $134,907

Employees: 763

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

763

Revenue / Employee

$474,865

Rev: $362,322,000

Profit / Employee

$101,547

NI: $77,480,000

SGA / Employee

$134,907

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	10.4%	13.0%	14.5%	14.7%	14.5%	13.8%	14.6%	14.0%	13.4%	12.7%	12.3%	11.6%	11.9%	11.9%	10.2%	11.2%	11.6%	12.7%	13.7%	14.2%	14.23%
ROA	0.9%	1.1%	1.1%	1.2%	1.1%	1.1%	1.0%	1.0%	0.9%	0.9%	0.8%	0.7%	0.8%	0.8%	0.7%	0.8%	0.8%	0.9%	1.0%	1.1%	1.08%
ROIC	-9.9%	-12.3%	-6.4%	-6.5%	-6.4%	-6.1%	-40.1%	-38.4%	-36.7%	-34.7%	-12.2%	-11.6%	-11.8%	-11.9%	-27.0%	-29.4%	-30.6%	-33.3%	-68.3%	-70.9%	-70.85%
ROCE	9.4%	11.8%	13.5%	13.8%	13.7%	13.1%	14.4%	13.8%	13.1%	12.3%	9.9%	9.3%	9.6%	9.5%	8.3%	9.0%	9.4%	10.2%	1.4%	1.4%	1.42%
Gross Margin	1.0%	1.0%	1.1%	1.0%	95.8%	93.2%	88.2%	81.5%	73.5%	68.7%	67.0%	66.7%	69.8%	70.0%	71.3%	72.9%	74.1%	75.3%	82.0%	79.4%	79.40%
Operating Margin	39.1%	41.3%	42.3%	41.6%	33.6%	33.2%	33.4%	27.8%	24.1%	21.6%	22.9%	20.0%	23.9%	19.1%	16.7%	25.9%	26.5%	25.6%	32.9%	30.7%	30.74%
Net Margin	29.8%	31.1%	31.6%	31.7%	24.8%	24.5%	25.1%	21.2%	18.4%	16.2%	17.8%	15.3%	18.3%	14.9%	14.2%	20.4%	20.3%	20.1%	24.6%	23.7%	23.67%
EBITDA Margin	43.1%	45.2%	45.9%	45.1%	36.3%	36.0%	35.7%	30.2%	26.5%	24.1%	25.2%	22.3%	26.0%	21.2%	21.0%	28.1%	28.8%	27.8%	32.9%	33.0%	33.02%
FCF Margin	19.7%	32.8%	33.7%	32.9%	29.6%	37.1%	34.1%	34.3%	32.9%	32.0%	28.9%	28.0%	26.1%	20.5%	22.2%	23.7%	26.6%	28.1%	24.8%	24.2%	24.16%
OCF Margin	31.2%	43.2%	42.2%	38.3%	36.7%	43.4%	40.7%	41.6%	37.8%	36.5%	32.9%	31.7%	29.7%	24.9%	26.6%	27.4%	29.5%	29.6%	26.9%	26.3%	26.29%
ROE 3Y Avg	snapshot only																				11.80%
ROE 5Y Avg	snapshot only																				13.11%
ROA 3Y Avg	snapshot only																				0.86%
ROIC Economic	snapshot only																				11.55%
Cash ROA	snapshot only																				1.29%
NOPAT Margin	snapshot only																				22.69%
Pretax Margin	snapshot only																				28.30%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				28.95%
SBC / Revenue	snapshot only																				0.28%

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	10.86	8.55	8.23	8.03	6.29	6.42	6.51	6.04	5.63	6.41	8.38	9.03	9.59	13.47	14.25	12.29	12.31	12.36	10.79	10.49	11.345
P/S Ratio	2.39	2.31	2.51	2.49	1.87	1.80	1.72	1.44	1.25	1.30	1.54	1.53	1.62	2.23	2.24	2.09	2.16	2.33	2.31	2.33	2.499
P/B Ratio	1.11	1.09	1.18	1.17	0.90	0.88	1.06	0.94	0.84	0.91	0.98	0.99	1.08	1.52	1.41	1.33	1.39	1.51	1.41	1.42	1.537
P/FCF	12.17	7.05	7.44	7.58	6.32	4.86	5.03	4.21	3.81	4.05	5.32	5.45	6.22	10.87	10.09	8.81	8.10	8.32	9.30	9.63	9.633
P/OCF	7.68	5.36	5.95	6.51	5.10	4.16	4.22	3.47	3.31	3.55	4.68	4.82	5.46	8.94	8.41	7.62	7.30	7.89	8.58	8.85	8.854
EV/EBITDA	-5.98	-5.01	-9.96	-9.89	-11.29	-12.02	-1.46	-2.06	-2.64	-2.46	-5.82	-6.01	-5.35	-2.65	0.32	-0.25	0.12	0.85	1.19	1.22	1.220
EV/Revenue	-2.00	-2.00	-4.42	-4.44	-4.86	-4.89	-0.55	-0.71	-0.85	-0.72	-1.54	-1.47	-1.31	-0.63	0.07	-0.06	0.03	0.23	0.35	0.37	0.373
EV/EBIT	-6.93	-5.63	-10.95	-10.79	-12.27	-13.02	-1.57	-2.22	-2.86	-2.68	-6.40	-6.65	-5.91	-2.92	0.36	-0.28	0.14	0.94	1.26	1.29	1.290
EV/FCF	-10.17	-6.10	-13.10	-13.48	-16.44	-13.18	-1.62	-2.07	-2.57	-2.24	-5.31	-5.26	-5.01	-3.06	0.33	-0.26	0.12	0.80	1.41	1.55	1.546
Earnings Yield	9.2%	11.7%	12.2%	12.5%	15.9%	15.6%	15.3%	16.5%	17.8%	15.6%	11.9%	11.1%	10.4%	7.4%	7.0%	8.1%	8.1%	8.1%	9.3%	9.5%	9.53%
FCF Yield	8.2%	14.2%	13.4%	13.2%	15.8%	20.6%	19.9%	23.8%	26.3%	24.7%	18.8%	18.3%	16.1%	9.2%	9.9%	11.4%	12.3%	12.0%	10.8%	10.4%	10.38%
PEG Ratio	snapshot only																				0.280
Price/Tangible Book	snapshot only																				1.446
EV/OCF	snapshot only																				1.421
EV/Gross Profit	snapshot only																				0.481
Acquirers Multiple	snapshot only																				1.290
Shareholder Yield	snapshot only																				7.27%
Graham Number	snapshot only																				$39.21

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	0.22	0.22	0.30	0.30	0.30	0.30	0.12	0.12	0.12	0.12	0.17	0.17	0.17	0.17	0.14	0.14	0.14	0.14	33.66	33.66	33.660
Quick Ratio	0.22	0.22	0.30	0.30	0.30	0.30	0.12	0.12	0.12	0.12	0.17	0.17	0.17	0.17	0.14	0.14	0.14	0.14	33.66	33.66	33.660
Debt/Equity	0.32	0.32	0.26	0.26	0.26	0.26	0.32	0.32	0.32	0.32	0.37	0.37	0.37	0.37	0.35	0.35	0.35	0.35	0.22	0.22	0.215
Net Debt/Equity	-2.03	-2.03	-3.25	-3.25	-3.25	-3.25	-1.41	-1.41	-1.41	-1.41	-1.95	-1.95	-1.95	-1.95	-1.37	-1.37	-1.37	-1.37	-1.20	-1.20	-1.196
Debt/Assets	0.03	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03	0.02	0.02	0.017
Debt/EBITDA	2.06	1.70	1.26	1.25	1.26	1.33	1.38	1.44	1.51	1.59	2.21	2.33	2.28	2.29	2.44	2.28	2.19	2.03	1.20	1.15	1.149
Net Debt/EBITDA	-13.14	-10.82	-15.63	-15.45	-15.64	-16.45	-5.98	-6.25	-6.56	-6.91	-11.64	-12.25	-12.00	-12.08	-9.54	-8.89	-8.55	-7.93	-6.65	-6.38	-6.382
Interest Coverage	8.18	11.20	13.69	14.00	13.56	9.89	5.78	3.41	2.12	1.45	1.06	0.86	0.81	0.78	0.72	0.82	0.91	1.06	1.37	1.51	1.511
Equity Multiplier	12.06	12.06	13.29	13.29	13.29	13.29	16.41	16.41	16.41	16.41	15.17	15.17	15.17	15.17	13.88	13.88	13.88	13.88	12.50	12.50	12.503
Cash Ratio	snapshot only																				32.738
Debt Service Coverage	snapshot only																				1.598
Cash to Debt	snapshot only																				6.553
FCF to Debt	snapshot only																				0.687
Defensive Interval	snapshot only																				1775.4 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.049
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	13.78	14.04	14.18	14.17	14.61	14.67	15.14	15.96	16.38	17.08	15.27	15.66	16.04	16.44	15.17	15.29	15.44	15.56	15.44	15.46	15.457
Payables Turnover	—	—	—	—	—	—	6.68	13.20	20.75	29.47	7.42	8.60	9.04	9.17	7.17	6.87	6.67	6.39	10.11	9.45	9.453
DSO	26	26	26	26	25	25	24	23	22	21	24	23	23	22	24	24	24	23	24	24	23.6 days
DIO	0	0	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	—	—	—	0	55	28	18	12	49	42	40	40	51	53	55	57	36	39	38.6 days
Cash Conversion Cycle	26	26	—	—	—	25	-31	-5	5	9	-25	-19	-18	-18	-27	-29	-31	-34	-12	-15	-15.0 days
Fixed Asset Turnover	snapshot only																				2.892
Cash Velocity	snapshot only																				0.434
Capital Intensity	snapshot only																				20.425

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	0.8%	3.1%	3.5%	3.6%	6.6%	5.1%	7.2%	13.0%	12.5%	16.8%	13.9%	10.8%	10.6%	8.8%	6.5%	4.7%	3.2%	1.5%	6.4%	5.7%	5.72%
Net Income	18.7%	77.5%	1.1%	73.0%	43.7%	9.1%	-7.5%	-13.1%	-15.7%	-15.9%	-20.6%	-21.6%	-16.0%	-11.0%	-9.0%	5.1%	6.9%	15.8%	45.1%	38.2%	38.16%
EPS	17.2%	77.1%	1.2%	75.7%	47.8%	11.8%	-4.9%	-10.6%	-13.8%	-14.6%	-20.0%	-21.5%	-16.1%	-11.4%	-9.3%	4.6%	6.8%	16.2%	47.0%	42.3%	42.33%
FCF	-32.5%	1.3%	73.9%	1.4%	60.1%	18.9%	8.3%	17.9%	25.4%	0.6%	-3.4%	-9.7%	-12.5%	-30.3%	-18.4%	-11.5%	5.4%	38.9%	19.2%	7.9%	7.88%
EBITDA	15.1%	61.0%	89.0%	59.6%	37.1%	7.3%	-8.2%	-13.1%	-16.3%	-16.5%	-20.8%	-21.3%	-15.6%	-11.7%	-8.7%	3.2%	5.1%	14.1%	38.2%	34.1%	34.14%
Op. Income	16.3%	74.8%	1.2%	75.4%	46.1%	11.1%	-6.5%	-12.2%	-16.0%	-16.9%	-22.2%	-23.3%	-17.3%	-12.8%	-11.4%	1.6%	3.6%	13.1%	48.0%	42.6%	42.58%
OCF Growth	snapshot only																				1.48%
Asset Growth	snapshot only																				-0.84%
Equity Growth	snapshot only																				10.07%
Debt Growth	snapshot only																				-32.24%
Shares Change	snapshot only																				-2.93%
Dividend Growth	snapshot only																				4.24%

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	4.2%	4.2%	4.6%	3.4%	3.5%	3.1%	3.4%	5.5%	6.5%	8.2%	8.1%	9.1%	9.9%	10.1%	9.2%	9.4%	8.7%	8.8%	8.9%	7.0%	7.04%
Revenue 5Y	4.8%	4.9%	5.4%	5.0%	5.5%	5.2%	5.1%	6.1%	6.3%	6.8%	6.9%	6.7%	6.7%	6.9%	6.1%	6.4%	6.7%	6.9%	7.4%	7.5%	7.50%
EPS 3Y	9.3%	15.0%	11.8%	11.3%	11.2%	9.7%	9.7%	13.3%	14.3%	19.1%	17.8%	7.2%	2.2%	-5.4%	-11.7%	-9.8%	-8.3%	-4.2%	2.2%	5.3%	5.33%
EPS 5Y	5.7%	11.0%	13.4%	13.1%	12.8%	11.4%	14.7%	13.0%	10.7%	7.7%	1.2%	-0.7%	-0.1%	-0.0%	-0.9%	3.6%	6.0%	11.7%	16.9%	12.9%	12.91%
Net Income 3Y	7.7%	13.3%	10.3%	9.9%	9.8%	8.3%	8.2%	11.8%	12.9%	17.6%	16.3%	5.7%	0.6%	-6.5%	-12.6%	-10.5%	-8.9%	-4.6%	1.6%	4.4%	4.41%
Net Income 5Y	3.7%	8.8%	11.2%	10.7%	10.4%	9.1%	12.4%	10.8%	8.7%	5.9%	-0.3%	-2.0%	-1.3%	-1.0%	-1.7%	2.8%	5.2%	10.9%	15.8%	11.4%	11.35%
EBITDA 3Y	0.6%	6.5%	9.4%	8.8%	8.7%	7.4%	7.2%	9.6%	9.7%	13.0%	11.2%	2.9%	-1.1%	-7.5%	-12.7%	-11.0%	-9.4%	-5.6%	0.0%	2.9%	2.88%
EBITDA 5Y	-0.3%	3.9%	6.2%	6.0%	5.8%	4.7%	4.3%	3.8%	3.1%	1.6%	-1.0%	-2.5%	-1.9%	-1.8%	-2.3%	1.3%	3.2%	7.8%	11.7%	8.6%	8.59%
Gross Profit 3Y	3.8%	7.0%	9.3%	9.0%	9.0%	8.3%	7.1%	8.7%	8.2%	8.8%	5.7%	2.1%	-0.0%	-2.2%	-4.2%	-3.5%	-3.1%	-1.7%	1.4%	2.1%	2.14%
Gross Profit 5Y	2.7%	4.8%	6.4%	6.3%	6.4%	5.9%	5.1%	5.2%	4.5%	3.7%	2.4%	1.5%	1.5%	2.0%	1.9%	3.4%	4.5%	6.0%	7.0%	5.9%	5.87%
Op. Income 3Y	0.5%	7.4%	10.4%	9.6%	9.5%	8.0%	8.2%	11.7%	12.6%	17.3%	16.1%	5.7%	0.5%	-7.0%	-13.6%	-11.9%	-10.4%	-6.4%	0.6%	3.6%	3.57%
Op. Income 5Y	0.2%	5.2%	7.9%	7.5%	7.1%	6.0%	5.6%	5.2%	4.5%	2.7%	-0.5%	-2.4%	-1.8%	-1.8%	-2.7%	1.6%	4.1%	9.7%	15.5%	11.3%	11.34%
FCF 3Y	-16.2%	-3.7%	-4.3%	-3.8%	-3.6%	10.9%	13.8%	15.7%	10.6%	39.9%	22.1%	36.8%	20.7%	-5.9%	-5.1%	-1.9%	5.0%	-0.9%	-2.0%	-4.8%	-4.80%
FCF 5Y	-11.4%	2.4%	4.6%	-1.0%	0.9%	5.5%	1.2%	6.0%	3.4%	1.3%	-1.7%	-1.1%	-0.3%	-0.8%	3.0%	4.4%	4.6%	21.5%	12.1%	19.6%	19.56%
OCF 3Y	-3.9%	4.0%	2.0%	0.1%	2.5%	14.8%	16.5%	16.6%	8.0%	24.4%	11.0%	16.8%	8.2%	-8.3%	-6.4%	-2.1%	1.1%	-4.2%	-5.1%	-8.1%	-8.13%
OCF 5Y	-4.2%	6.4%	7.6%	0.6%	3.3%	6.9%	3.4%	8.6%	5.3%	3.2%	0.2%	0.7%	1.7%	2.0%	4.6%	3.9%	2.3%	11.4%	4.9%	7.9%	7.89%
Assets 3Y	5.5%	5.5%	8.5%	8.5%	8.5%	8.5%	7.3%	7.3%	7.3%	7.3%	5.0%	5.0%	5.0%	5.0%	0.2%	0.2%	0.2%	0.2%	-0.1%	-0.1%	-0.11%
Assets 5Y	5.1%	5.1%	6.6%	6.6%	6.6%	6.6%	5.7%	5.7%	5.7%	5.7%	5.6%	5.6%	5.6%	5.6%	4.4%	4.4%	4.4%	4.4%	2.4%	2.4%	2.36%
Equity 3Y	3.0%	3.0%	4.3%	4.3%	4.3%	4.3%	-5.0%	-5.0%	-5.0%	-5.0%	-2.7%	-2.7%	-2.7%	-2.7%	-1.2%	-1.2%	-1.2%	-1.2%	9.4%	9.4%	9.38%
Book Value 3Y	4.5%	4.6%	5.8%	5.7%	5.6%	5.7%	-3.7%	-3.7%	-3.8%	-3.8%	-1.4%	-1.3%	-1.1%	-1.5%	-0.2%	-0.4%	-0.6%	-0.7%	10.0%	10.3%	10.34%
Dividend 3Y	1.7%	2.2%	2.7%	3.5%	3.5%	3.7%	3.3%	2.2%	1.4%	0.9%	0.8%	1.2%	1.5%	1.2%	1.1%	1.2%	1.3%	1.4%	2.0%	2.3%	2.29%

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	0.95	0.96	0.93	0.93	0.94	0.94	0.93	0.90	0.91	0.86	0.91	0.87	0.86	0.85	0.87	0.91	0.94	0.93	0.97	0.99	0.992
Earnings Stability	0.24	0.25	0.27	0.39	0.52	0.46	0.41	0.50	0.54	0.38	0.09	0.07	0.10	0.08	0.01	0.05	0.08	0.12	0.12	0.10	0.098
Margin Stability	0.92	0.90	0.89	0.90	0.91	0.89	0.89	0.90	0.91	0.88	0.86	0.86	0.86	0.85	0.83	0.83	0.84	0.85	0.88	0.89	0.890
Rev. Growth Consistency	1.00	1.00	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	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	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	0.93	0.50	0.50	0.50	0.83	0.96	0.97	0.95	0.94	0.94	0.92	0.91	0.94	0.96	0.96	0.98	0.97	0.94	0.82	0.85	0.847
Earnings Smoothness	0.83	0.44	0.27	0.47	0.64	0.91	0.92	0.86	0.83	0.83	0.77	0.76	0.83	0.88	0.91	0.95	0.93	0.85	0.63	0.68	0.680
ROE Trend	-0.00	0.03	0.05	0.05	0.05	0.04	0.06	0.04	0.03	0.01	-0.04	-0.04	-0.03	-0.03	-0.04	-0.02	-0.02	-0.00	0.02	0.03	0.027
Gross Margin Trend	0.07	0.16	0.21	0.21	0.17	0.13	0.04	-0.04	-0.12	-0.21	-0.26	-0.28	-0.25	-0.20	-0.14	-0.08	-0.04	0.00	0.05	0.08	0.077
FCF Margin Trend	-0.13	0.11	0.11	0.13	0.05	0.13	0.07	0.11	0.08	-0.03	-0.05	-0.06	-0.05	-0.14	-0.09	-0.07	-0.03	0.02	-0.01	-0.02	-0.017
Sustainable Growth Rate	5.5%	8.0%	9.6%	9.7%	9.4%	8.6%	9.0%	8.4%	7.8%	7.1%	6.4%	5.7%	6.0%	6.0%	4.8%	5.7%	6.1%	7.1%	8.5%	9.0%	8.98%
Internal Growth Rate	0.5%	0.7%	0.8%	0.8%	0.7%	0.7%	0.6%	0.6%	0.5%	0.5%	0.4%	0.4%	0.4%	0.4%	0.3%	0.4%	0.4%	0.5%	0.7%	0.7%	0.69%

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	1.41	1.60	1.38	1.23	1.23	1.55	1.54	1.74	1.70	1.81	1.79	1.87	1.76	1.51	1.69	1.61	1.69	1.57	1.26	1.19	1.185
FCF/OCF	0.63	0.76	0.80	0.86	0.81	0.86	0.84	0.83	0.87	0.88	0.88	0.88	0.88	0.82	0.83	0.86	0.90	0.95	0.92	0.92	0.919
FCF/Net Income	snapshot only																				1.089
OCF/EBITDA	snapshot only																				0.859
CapEx/Revenue	11.5%	10.4%	8.5%	5.4%	7.1%	6.3%	6.6%	7.2%	4.9%	4.6%	4.0%	3.7%	3.7%	4.4%	4.4%	3.7%	2.9%	1.5%	2.1%	2.1%	2.13%
CapEx/Depreciation	snapshot only																				1.281
Accruals Ratio	-0.00	-0.01	-0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.01	-0.00	-0.00	-0.00	-0.002
Sloan Accruals	snapshot only																				0.878
Cash Flow Adequacy	snapshot only																				2.552
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	4.3%	4.4%	4.1%	4.2%	5.6%	5.8%	5.9%	6.6%	7.4%	6.9%	5.7%	5.6%	5.2%	3.7%	3.7%	4.0%	3.8%	3.5%	3.5%	3.5%	3.20%
Dividend/Share	$0.92	$0.94	$0.96	$0.99	$1.01	$1.03	$1.04	$1.04	$1.04	$1.04	$1.04	$1.04	$1.04	$1.03	$1.03	$1.04	$1.06	$1.07	$1.09	$1.12	$1.11
Payout Ratio	47.0%	38.0%	33.7%	34.0%	35.0%	37.3%	38.6%	40.1%	41.7%	44.0%	47.9%	50.7%	49.6%	49.4%	52.7%	48.8%	47.3%	43.9%	37.9%	36.8%	36.85%
FCF Payout Ratio	52.7%	31.3%	30.5%	32.1%	35.2%	28.3%	29.8%	27.9%	28.2%	27.8%	30.4%	30.7%	32.2%	39.9%	37.3%	35.0%	31.1%	29.5%	32.6%	33.8%	33.82%
Total Payout Ratio	54.8%	52.6%	57.1%	65.3%	66.5%	69.2%	66.6%	63.0%	60.0%	55.8%	52.4%	53.2%	51.3%	51.1%	54.5%	52.4%	55.0%	54.5%	68.0%	76.3%	76.34%
Div. Increase Streak	1	1	1	0	1	1	1	1	1	0	0	0	0	0	0	0	0	0	0	1	0
Chowder Number	0.05	0.06	0.08	0.11	0.12	0.13	0.12	0.09	0.08	0.06	0.04	0.05	0.05	0.04	0.04	0.05	0.06	0.06	0.08	0.08	0.078
Buyback Yield	0.7%	1.7%	2.8%	3.9%	5.0%	5.0%	4.3%	3.8%	3.2%	1.8%	0.5%	0.3%	0.2%	0.1%	0.1%	0.3%	0.6%	0.9%	2.8%	3.8%	3.76%
Net Buyback Yield	0.5%	1.5%	2.7%	3.7%	4.8%	4.8%	4.2%	3.8%	3.2%	1.8%	0.5%	0.3%	0.2%	0.1%	0.1%	0.3%	0.6%	0.9%	2.8%	3.8%	3.76%
Total Shareholder Return	4.9%	6.0%	6.8%	8.0%	10.4%	10.6%	10.1%	10.4%	10.7%	8.7%	6.3%	5.9%	5.4%	3.8%	3.8%	4.3%	4.5%	4.4%	6.3%	7.3%	7.27%

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	0.76	0.76	0.76	0.75	0.75	0.75	0.75	0.75	0.76	0.76	0.76	0.77	0.77	0.79	0.79	0.79	0.79	0.79	0.78	0.784
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.98	0.98	0.977
EBIT Margin	0.29	0.36	0.40	0.41	0.40	0.38	0.35	0.32	0.30	0.27	0.24	0.22	0.22	0.21	0.20	0.21	0.22	0.24	0.28	0.29	0.290
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.049
Equity Multiplier	11.73	11.73	12.68	12.68	12.68	12.68	14.69	14.69	14.69	14.69	15.76	15.76	15.76	15.76	14.50	14.50	14.50	14.50	13.16	13.16	13.158

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)	$1.96	$2.48	$2.85	$2.92	$2.90	$2.77	$2.71	$2.61	$2.50	$2.36	$2.17	$2.05	$2.09	$2.09	$1.96	$2.14	$2.24	$2.43	$2.89	$3.05	$3.05
Book Value/Share	$19.21	$19.40	$19.90	$20.03	$20.17	$20.30	$16.59	$16.70	$16.73	$16.72	$18.59	$18.59	$18.58	$18.53	$19.80	$19.78	$19.84	$19.85	$22.09	$22.43	$22.60
Tangible Book/Share	$18.79	$18.98	$19.56	$19.68	$19.82	$19.94	$16.25	$16.36	$16.39	$16.39	$18.27	$18.27	$18.26	$18.21	$19.49	$19.47	$19.53	$19.54	$21.77	$22.11	$22.11
Revenue/Share	$8.89	$9.15	$9.34	$9.39	$9.74	$9.85	$10.28	$10.90	$11.21	$11.68	$11.80	$12.09	$12.38	$12.65	$12.52	$12.61	$12.77	$12.88	$13.51	$13.73	$13.80
FCF/Share	$1.75	$3.00	$3.15	$3.09	$2.88	$3.66	$3.50	$3.75	$3.69	$3.74	$3.41	$3.39	$3.23	$2.59	$2.77	$2.99	$3.40	$3.61	$3.35	$3.32	$3.34
OCF/Share	$2.77	$3.95	$3.94	$3.60	$3.57	$4.28	$4.18	$4.53	$4.24	$4.27	$3.88	$3.83	$3.68	$3.16	$3.33	$3.45	$3.77	$3.81	$3.63	$3.61	$3.63
Cash/Share	$45.21	$45.67	$69.91	$70.34	$70.84	$71.29	$28.71	$28.90	$28.95	$28.95	$43.17	$43.16	$43.13	$43.01	$34.01	$33.98	$34.08	$34.10	$31.18	$31.66	$34.01
EBITDA/Share	$2.97	$3.65	$4.14	$4.21	$4.19	$4.01	$3.90	$3.76	$3.59	$3.40	$3.12	$2.96	$3.02	$2.99	$2.84	$3.04	$3.17	$3.42	$3.98	$4.20	$4.20
Debt/Share	$6.13	$6.20	$5.22	$5.25	$5.29	$5.32	$5.37	$5.41	$5.42	$5.42	$6.89	$6.89	$6.89	$6.87	$6.93	$6.92	$6.94	$6.95	$4.76	$4.83	$4.83
Net Debt/Share	$-39.08	$-39.47	$-64.69	$-65.09	$-65.55	$-65.97	$-23.33	$-23.49	$-23.53	$-23.53	$-36.27	$-36.27	$-36.25	$-36.14	$-27.08	$-27.06	$-27.13	$-27.16	$-26.42	$-26.83	$-26.83

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.019
Altman Z-Prime	snapshot only																				1.048
Piotroski F-Score	6	6	8	8	8	7	6	6	6	6	7	7	6	7	5	6	6	7	8	8	8
Beneish M-Score	-2.42	-2.44	-2.69	-2.67	-2.56	-2.59	-1.95	-2.04	-2.03	-2.00	-3.86	-2.33	-2.43	-2.48	-2.45	-2.46	-2.46	-2.46	-2.52	-2.54	-2.537
Ohlson O-Score	snapshot only																				-5.315
ROIC (Greenblatt)	snapshot only																				10.94%
Net-Net WC	snapshot only																				$-225.51

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																				A
Credit Score	52.48	68.29	75.98	75.97	76.01	75.94	63.68	63.93	63.87	63.97	66.19	64.83	64.91	64.78	65.38	64.90	66.60	71.07	72.85	71.31	71.313
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				6.412
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				65
Sector Credit Rank	snapshot only																				61

CPF NYSE

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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