$36.42

+0.35 (+0.97%)

Weekly Expected Move ±2.1%

$35 $36 $36 $37 $38

NYSE · Financial Services · Banks - Regional · Tech Score Sell · Power 37 · $950.6M mcap · 23M float · 0.702% daily turnover · Short 76% 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

37.0 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: -5.9%

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 No discernible competitive edge (37.0/100). The business operates without significant structural advantages. The primary source of advantage is Intangible Assets. Negative ROIC of -5.9% 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

$38

Low

$38

Avg Target

$38

High

Based on 1 analyst since Jul 24, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 6Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$38.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-02	Hovde Group	Liam Coohill	Initiated	$38	—	+5.4%	$36.07
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.

A-

Oct 02, 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 A-. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-01	B+	A-
2026-07-22	A-	B+
2026-07-01	B+	A-
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+

InsiderStreet Scorecard

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

★ ★ ★ ★ ★ 56 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

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 Earnings Quality (92/100) and lowest in Growth (49/100). 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

2.68

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✗ ✗

Beneish M-Score

-2.03

Unlikely Manipulator

Ohlson O-Score

-3.93

Bankruptcy prob: 1.9%

Low Risk

Credit Rating

A+

Score: 78.6/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.25x

Accruals: -0.3%

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 2.68, 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 7/9, 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 -2.03 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 1.9% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. CPF receives an estimated rating of A+ (score: 78.6/100), 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). 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

11.60x

PEG

0.29x

P/S

3.02x

P/B

1.59x

P/FCF

10.16x

P/OCF

9.65x

EV/EBITDA

-7.82x

EV/Revenue

-2.10x

EV/EBIT

-8.21x

EV/FCF

-6.69x

Earnings Yield

8.27%

FCF Yield

9.84%

Shareholder Yield

7.01%

Graham Number

$40.18

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 11.6x earnings, CPF trades at a reasonable valuation. An earnings yield of 8.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $40.18 per share, suggesting a potential 10% 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

0.786

NI / EBT

Interest Burden

1.313

EBT / EBIT

EBIT Margin

0.256

EBIT / Rev

Asset Turnover

0.042

Rev / Assets

Equity Multiplier

12.762

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: 12.76x). 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

8.19%

Fair P/E

24.88x

Intrinsic Value

$78.63

Price/Value

0.49x

Margin of Safety

51.42%

Premium

-51.42%

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 CPF's realized 8.2% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CPF trades at a -51% premium to its adjusted intrinsic value of $78.63, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 24.9x compares to the current market P/E of 11.6x.

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

$36.43

Median 1Y

$36.67

5th Pctile

$18.96

95th Pctile

$70.67

Ann. Volatility

37.9%

Analyst Target

$38.00

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
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

19:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,763,135

Avg Employee Cost (SGA/emp): $142,568

Employees: 722

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

722

-2.6% YoY

Revenue / Employee

$501,831

Rev: $362,322,000

Profit / Employee

$107,313

NI: $77,480,000

SGA / Employee

$142,568

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

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

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	12.7%	14.5%	15.8%	15.9%	15.3%	14.6%	14.8%	14.5%	14.1%	12.3%	11.3%	11.4%	11.2%	10.2%	10.9%	11.2%	11.7%	13.7%	14.0%	14.2%	14.25%
ROA	1.0%	1.1%	1.1%	1.1%	1.0%	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%	1.1%	1.12%
ROIC	-5.9%	-6.4%	-10.6%	-25.1%	-58.9%	-40.1%	-35.5%	-21.9%	-15.8%	-12.2%	-20.0%	-21.2%	-18.0%	-27.0%	-48.8%	14.8%	-26.7%	-68.3%	-41.5%	-5.9%	-5.92%
ROCE	11.7%	13.5%	15.4%	15.8%	15.3%	14.4%	12.6%	11.8%	11.1%	9.9%	9.4%	9.4%	9.0%	8.3%	9.2%	9.4%	1.1%	1.4%	13.3%	10.3%	10.30%
Gross Margin	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%	57.1%	57.10%
Operating Margin	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%	-1.7%	-1.71%
Net Margin	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%	49.5%	49.53%
EBITDA Margin	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%	35.0%	33.0%	-6.5%	-6.45%
FCF Margin	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%	25.5%	24.8%	31.4%	31.35%
OCF Margin	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%	33.0%	33.03%
ROE 3Y Avg	snapshot only																				11.84%
ROE 5Y Avg	snapshot only																				13.47%
ROA 3Y Avg	snapshot only																				0.90%
ROIC Economic	snapshot only																				9.15%
Cash ROA	snapshot only																				1.39%
NOPAT Margin	snapshot only																				20.07%
Pretax Margin	snapshot only																				33.56%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				33.00%
SBC / Revenue	snapshot only																				0.92%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	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	12.09	11.599
P/S Ratio	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	3.19	3.019
P/B Ratio	1.07	1.18	1.34	1.11	1.11	1.06	0.91	0.80	0.88	0.98	0.99	1.05	1.41	1.41	1.28	1.31	1.39	1.41	1.42	1.68	1.588
P/FCF	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	9.06	9.38	10.16	10.162
P/OCF	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	9.65	9.648
EV/EBITDA	-11.09	-9.96	-5.14	-2.33	-0.72	-1.46	-2.38	-4.17	-5.04	-5.82	-3.54	-2.95	-1.14	0.32	0.47	6.84	-0.22	1.17	0.46	-7.82	-7.818
EV/Revenue	-4.42	-4.42	-2.31	-1.00	-0.29	-0.55	-0.82	-1.33	-1.47	-1.54	-0.87	-0.72	-0.27	0.07	0.11	1.70	-0.06	0.35	0.14	-2.10	-2.096
EV/EBIT	-12.44	-10.95	-5.61	-2.53	-0.78	-1.57	-2.57	-4.51	-5.49	-6.40	-3.92	-3.25	-1.26	0.36	0.53	7.66	-0.24	1.26	0.50	-8.21	-8.205
EV/FCF	-13.48	-13.10	-7.00	-3.40	-0.79	-1.62	-2.39	-4.05	-4.59	-5.31	-3.09	-2.76	-1.31	0.33	0.48	6.39	-0.20	1.38	0.58	-6.69	-6.687
Earnings Yield	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%	8.3%	8.27%
FCF Yield	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%	11.0%	10.7%	9.8%	9.84%
PEG Ratio	snapshot only																				0.293
Price/Tangible Book	snapshot only																				1.682
EV/OCF	snapshot only																				-6.348
EV/Gross Profit	snapshot only																				-2.759
Acquirers Multiple	snapshot only																				-8.205
Shareholder Yield	snapshot only																				7.01%
Graham Number	snapshot only																				$40.18

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.29	0.30	0.21	0.14	0.13	0.12	0.13	0.15	0.16	0.17	0.15	0.15	0.16	0.14	0.13	0.05	33.73	33.66	0.14	0.27	0.266
Quick Ratio	0.29	0.30	0.21	0.14	0.13	0.12	0.13	0.15	0.16	0.17	0.15	0.15	0.16	0.14	0.13	0.05	33.73	33.66	0.14	0.27	0.266
Debt/Equity	0.27	0.26	0.30	0.32	0.59	0.32	0.46	0.40	0.40	0.37	0.37	0.37	0.35	0.35	0.29	0.29	0.04	0.22	0.17	0.17	0.169
Net Debt/Equity	-3.13	-3.25	-2.58	-1.70	-1.29	-1.41	-1.42	-1.65	-1.87	-1.95	-1.55	-1.52	-1.58	-1.37	-1.21	-0.28	-1.42	-1.20	-1.33	-2.79	-2.789
Debt/Assets	0.02	0.02	0.02	0.02	0.04	0.02	0.03	0.03	0.02	0.02	0.03	0.03	0.03	0.03	0.02	0.02	0.00	0.02	0.01	0.01	0.013
Debt/EBITDA	1.43	1.26	1.24	1.24	2.34	1.38	2.12	1.96	2.05	2.21	2.36	2.31	2.34	2.44	1.96	1.90	0.28	1.18	0.90	1.19	1.192
Net Debt/EBITDA	-16.89	-15.63	-10.70	-6.68	-5.15	-5.98	-6.57	-8.08	-9.49	-11.64	-9.77	-9.59	-10.56	-9.54	-8.17	-1.83	-9.00	-6.53	-7.01	-19.70	-19.700
Interest Coverage	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	1.20	1.200
Equity Multiplier	13.14	13.29	15.01	16.04	16.73	16.41	15.97	15.89	16.30	15.17	14.61	14.24	13.64	13.88	13.29	12.95	12.62	12.50	12.62	12.58	12.579
Cash Ratio	snapshot only																				0.262
Debt Service Coverage	snapshot only																				1.259
Cash to Debt	snapshot only																				17.532
FCF to Debt	snapshot only																				0.981
Defensive Interval	snapshot only																				4108.9 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.04	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	0.04	0.042
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	13.36	14.18	14.60	14.92	15.37	15.14	16.03	16.14	15.95	15.27	15.45	15.38	15.13	15.17	14.69	14.84	14.21	15.44	14.79	13.42	13.416
Payables Turnover	—	—	—	—	—	6.68	—	—	—	7.42	12.23	14.28	16.74	7.17	7.84	8.15	8.59	10.11	10.65	17.28	17.279
DSO	27	26	25	24	24	24	23	23	23	24	24	24	24	24	25	25	26	24	25	27	27.2 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	55	0	0	0	49	30	26	22	51	47	45	42	36	34	21	21.1 days
Cash Conversion Cycle	27	—	—	—	24	-31	23	23	23	-25	-6	-2	2	-27	-22	-20	-17	-12	-10	6	6.1 days
Fixed Asset Turnover	snapshot only																				2.549
Cash Velocity	snapshot only																				0.178
Capital Intensity	snapshot only																				23.824

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	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%	-9.1%	-9.13%
Net Income	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%	36.8%	36.77%
EPS	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%	41.4%	41.35%
FCF	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%	22.4%	10.8%	7.0%	7.02%
EBITDA	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%	40.8%	36.5%	-2.0%	-1.99%
Op. Income	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%	4.6%	4.62%
OCF Growth	snapshot only																				1.66%
Asset Growth	snapshot only																				1.78%
Equity Growth	snapshot only																				4.83%
Debt Growth	snapshot only																				-38.44%
Shares Change	snapshot only																				-3.24%
Dividend Growth	snapshot only																				7.65%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	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%	1.2%	1.23%
Revenue 5Y	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%	4.5%	4.47%
EPS 3Y	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%	8.2%	8.19%
EPS 5Y	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%	10.0%	10.02%
Net Income 3Y	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%	7.1%	7.10%
Net Income 5Y	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%	8.3%	8.27%
EBITDA 3Y	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%	0.6%	3.5%	-4.6%	-4.56%
EBITDA 5Y	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%	12.1%	9.0%	-0.0%	-0.05%
Gross Profit 3Y	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%	-2.0%	-2.02%
Gross Profit 5Y	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%	0.9%	0.90%
Op. Income 3Y	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%	-3.6%	-3.57%
Op. Income 5Y	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%	1.9%	1.94%
FCF 3Y	-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%	-1.2%	-3.9%	-0.4%	-0.41%
FCF 5Y	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%	12.7%	20.2%	14.7%	14.67%
OCF 3Y	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%	-3.3%	-3.26%
OCF 5Y	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%	5.7%	5.68%
Assets 3Y	8.4%	8.5%	7.7%	7.2%	7.1%	7.3%	7.2%	4.5%	4.7%	5.0%	2.0%	1.0%	0.5%	0.2%	0.5%	0.3%	0.4%	-0.1%	-0.1%	-0.3%	-0.29%
Assets 5Y	6.5%	6.6%	6.0%	5.7%	5.7%	5.7%	5.9%	5.9%	5.9%	5.6%	4.9%	4.5%	4.4%	4.4%	3.9%	2.1%	2.2%	2.4%	1.4%	0.9%	0.88%
Equity 3Y	5.1%	4.3%	-1.1%	-4.1%	-5.8%	-5.0%	-4.1%	-4.4%	-4.8%	-2.7%	-2.2%	-2.1%	-0.7%	-1.2%	4.7%	7.7%	10.3%	9.4%	8.0%	7.8%	7.78%
Book Value 3Y	6.7%	5.8%	0.2%	-2.9%	-4.6%	-3.7%	-2.7%	-3.2%	-3.7%	-1.4%	-0.8%	-0.5%	0.5%	-0.2%	5.5%	8.4%	10.8%	10.0%	9.0%	8.9%	8.88%
Dividend 3Y	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%	2.4%	2.40%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.96	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	0.64	0.642
Earnings Stability	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	0.09	0.091
Margin Stability	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	0.88	0.885
Rev. Growth Consistency	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	0.00	0.000
Earn. Growth Consistency	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	1.00	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	0.50	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	0.85	0.853
Earnings Smoothness	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	0.69	0.689
ROE Trend	0.03	0.05	0.08	0.08	0.07	0.06	0.02	0.00	-0.01	-0.04	-0.05	-0.05	-0.05	-0.04	-0.03	-0.02	-0.01	0.02	0.03	0.03	0.031
Gross Margin Trend	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	0.06	0.059
FCF Margin Trend	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	-0.00	-0.01	0.05	0.050
Sustainable Growth Rate	7.9%	9.6%	10.4%	10.3%	9.6%	9.0%	8.8%	8.5%	7.9%	6.4%	5.6%	5.8%	5.7%	4.8%	5.6%	5.9%	6.5%	8.5%	8.8%	9.1%	9.12%
Internal Growth Rate	0.6%	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%	0.7%	0.72%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.60	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	1.25	1.253
FCF/OCF	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	0.95	0.94	0.95	0.949
FCF/Net Income	snapshot only																				1.189
OCF/EBITDA	snapshot only																				1.232
CapEx/Revenue	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%	1.4%	1.5%	1.7%	1.67%
CapEx/Depreciation	snapshot only																				1.320
Accruals Ratio	-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	-0.01	-0.00	-0.00	-0.00	-0.003
Sloan Accruals	snapshot only																				0.171
Cash Flow Adequacy	snapshot only																				2.958
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	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%	3.0%	3.19%
Dividend/Share	$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	$1.14	$1.16
Payout Ratio	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%	36.0%	36.01%
FCF Payout Ratio	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%	31.8%	32.9%	30.3%	30.27%
Total Payout Ratio	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%	84.8%	84.75%
Div. Increase Streak	1	1	0	1	1	1	1	1	0	0	0	0	0	0	0	0	0	0	1	1	0
Chowder Number	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	0.07	0.071
Buyback Yield	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%	4.0%	4.03%
Net Buyback Yield	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%	4.0%	4.03%
Total Shareholder Return	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%	7.0%	7.01%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.76	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	0.79	0.786
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	0.98	0.98	1.31	1.313
EBIT Margin	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	0.26	0.256
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	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.042
Equity Multiplier	12.69	12.68	13.87	14.36	14.73	14.69	15.48	15.96	16.51	15.76	15.27	15.03	14.87	14.50	13.92	13.57	13.11	13.16	12.94	12.76	12.762

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$2.48	$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	$3.16	$3.16
Book Value/Share	$19.71	$19.90	$17.45	$16.44	$15.94	$16.59	$17.36	$17.59	$17.30	$18.59	$18.72	$19.13	$19.99	$19.80	$20.48	$20.96	$21.68	$22.09	$22.48	$22.71	$22.94
Tangible Book/Share	$19.36	$19.56	$17.11	$16.10	$15.61	$16.25	$17.03	$17.27	$16.98	$18.27	$18.40	$18.81	$19.68	$19.49	$20.17	$20.65	$21.37	$21.77	$22.16	$22.71	$22.71
Revenue/Share	$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	$11.99	$12.11
FCF/Share	$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	$3.44	$3.41	$3.76	$3.80
OCF/Share	$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	$3.96	$4.00
Cash/Share	$66.88	$69.91	$50.28	$33.19	$30.01	$28.71	$32.67	$36.02	$39.29	$43.17	$35.93	$35.98	$38.61	$34.01	$30.84	$11.84	$31.77	$31.18	$33.83	$67.17	$67.84
EBITDA/Share	$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	$4.05	$4.28	$3.22	$3.22
Debt/Share	$5.23	$5.22	$5.21	$5.19	$9.37	$5.37	$7.96	$7.02	$6.99	$6.89	$6.99	$6.99	$6.99	$6.93	$5.97	$6.02	$0.97	$4.76	$3.85	$3.83	$3.83
Net Debt/Share	$-61.64	$-64.69	$-45.07	$-27.99	$-20.64	$-23.33	$-24.70	$-29.00	$-32.30	$-36.27	$-28.95	$-28.99	$-31.62	$-27.08	$-24.87	$-5.81	$-30.80	$-26.42	$-29.99	$-63.33	$-63.33

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.683
Altman Z-Prime	snapshot only																				-3.994
Piotroski F-Score	7	8	8	7	6	5	5	6	7	6	7	5	6	5	7	7	9	9	9	7	7
Beneish M-Score	-2.84	-2.69	-2.63	-2.43	-2.29	-1.95	-2.06	-2.12	-2.11	-3.86	-2.32	-2.36	-2.43	-2.45	-2.42	-2.49	-2.48	-2.52	-2.56	-2.03	-2.027
Ohlson O-Score	snapshot only																				-3.934
Net-Net WC	snapshot only																				$-194.87

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A+
Credit Score	70.08	76.07	73.17	66.94	60.51	63.83	59.41	64.76	64.83	66.60	57.61	65.58	65.07	65.41	68.68	64.14	69.95	73.02	73.36	78.65	78.647
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				14.506
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				81
Sector Credit Rank	snapshot only																				70

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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