$21.07

-0.12 (-0.57%)

Weekly Expected Move ±3.6%

$19 $20 $20 $21 $22

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Sell · Power 39 · $377.5M mcap · 17M float · 0.248% 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

35.1 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: 8.8% · 5Y Avg: 210.6%

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. CZNC has No discernible competitive edge (35.1/100). The business operates without significant structural advantages. The primary source of advantage is Switching Costs. ROIC of 8.8% suggests modest returns relative to capital deployed.

Analyst Insights

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

Analyst Price Targets

Low

$23

Avg Target

$23

High

Based on 2 analyst ratings (12 mo)

Analyst Recommendations

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

Rating Summary

ConsensusHold

Avg Target$22.75

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-01-29	Piper Sandler	Gregory Zingone	$22	$24	+2	+9.9%	$21.39
2025-10-24	Piper Sandler	—	Initiated	$22	—	+13.5%	$19.38

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.

C+

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. CZNC receives an overall rating of C+. Areas of concern: ROE (2/5), D/E (2/5), P/E (1/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-01	C	C+
2026-04-29	B	C
2026-04-22	B+	B
2026-04-01	B-	B+
2026-03-04	B	B-
2026-03-02	B-	B
2026-02-21	B	B-
2026-02-02	B-	B
2026-01-29	B+	B-
2026-01-03	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.

★ ★ ★ ★ ★ 38 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. CZNC scores highest in Earnings Quality (91/100) and lowest in Profitability (20/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

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

Altman-B Score

2.39

Grey Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✓ ✓ ✗ ✗ ✗

Beneish M-Score

-1.88

Unlikely Manipulator

Ohlson O-Score

-4.71

Bankruptcy prob: 0.9%

Low Risk

Credit Rating

BBB-

Score: 51.1/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 2.24x

Accruals: -0.8%

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. CZNC scores 2.39, 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. CZNC scores 5/9, 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. CZNC's score of -1.88 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. CZNC's implied 0.9% 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. CZNC receives an estimated rating of BBB- (score: 51.1/100), with a deteriorating 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). CZNC'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

21.38x

PEG

-0.57x

P/S

2.28x

P/B

1.11x

P/FCF

10.84x

P/OCF

10.10x

EV/EBITDA

11.18x

EV/Revenue

1.51x

EV/EBIT

11.77x

EV/FCF

6.88x

Earnings Yield

4.41%

FCF Yield

9.23%

Shareholder Yield

4.34%

Graham Number

$20.71

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 21.4x earnings, CZNC commands a growth premium. Graham's intrinsic value formula yields $20.71 per share, 2% below 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

0.818

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.129

EBIT / Rev

Asset Turnover

0.058

Rev / Assets

Equity Multiplier

9.308

Assets / Equity

ROE

5.6%

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. CZNC's ROE of 5.6% is driven by financial leverage (equity multiplier: 9.31x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

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

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$8.38

Price/Value

2.67x

Margin of Safety

-166.72%

Premium

166.72%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CZNC's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. CZNC trades at a 167% premium to its adjusted intrinsic value of $8.38, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 21.4x.

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

$21.07

Median 1Y

$19.95

5th Pctile

$10.78

95th Pctile

$37.17

Ann. Volatility

38.2%

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
J. BRADLEY SCOVILL President and Chief Executive Officer	$605,000	$118,394	$1,041,499
MARK A. HUGHES Executive Vice President and Chief Financial Officer	$352,920	$46,091	$643,292
HAROLD F. HOOSE, III Executive Vice President and Chief Revenue Officer	$321,360	$51,984	$552,651
KELLEY CWIKLINSKI Commercial Vice President and Chief Commercial Lending Officer	$319,280	$40,857	$492,888
STAN R. DUNSMORE Executive Vice President and Chief Credit Officer	$274,227	$35,492	$490,447

CEO Pay Ratio

9:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,041,499

Avg Employee Cost (SGA/emp): $115,752

Employees: 460

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

460

+19.2% YoY

Revenue / Employee

$335,193

Rev: $154,189,000

Profit / Employee

$50,928

NI: $23,427,000

SGA / Employee

$115,752

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	9.4%	11.0%	10.2%	9.5%	9.7%	8.7%	9.7%	9.4%	8.9%	10.0%	9.4%	9.1%	9.1%	8.6%	9.7%	10.0%	10.0%	10.1%	7.6%	5.6%	5.64%
ROA	1.3%	1.5%	1.3%	1.3%	1.3%	1.1%	1.1%	1.1%	1.0%	1.2%	1.0%	0.9%	0.9%	0.9%	1.0%	1.1%	1.1%	1.1%	0.8%	0.6%	0.61%
ROIC	-42.3%	-49.8%	-12.5%	-11.8%	-11.9%	-10.7%	-21.8%	-21.3%	-20.1%	-22.7%	16.0%	15.4%	15.4%	14.6%	19.3%	20.1%	20.1%	20.2%	11.9%	8.8%	8.82%
ROCE	8.4%	10.0%	10.0%	9.3%	9.4%	8.4%	10.4%	10.1%	9.6%	10.9%	6.5%	6.3%	6.3%	5.9%	6.2%	6.4%	6.5%	6.5%	0.9%	0.7%	0.69%
Gross Margin	90.6%	88.4%	90.3%	91.4%	92.8%	77.1%	81.5%	84.0%	75.3%	76.6%	67.4%	66.5%	67.8%	64.4%	69.6%	68.8%	66.0%	66.5%	60.4%	47.2%	47.24%
Operating Margin	33.5%	33.1%	32.9%	30.8%	32.8%	18.3%	30.3%	24.5%	21.8%	26.9%	16.6%	17.7%	19.3%	19.7%	25.0%	20.1%	18.7%	19.8%	15.0%	0.7%	0.69%
Net Margin	26.8%	27.3%	26.8%	25.3%	26.9%	15.4%	24.7%	20.0%	17.6%	21.6%	12.0%	14.5%	15.8%	16.0%	20.2%	16.4%	15.2%	16.2%	12.4%	0.6%	0.56%
EBITDA Margin	35.5%	35.0%	34.9%	32.7%	34.6%	21.0%	32.3%	26.3%	23.3%	28.4%	18.1%	19.1%	20.7%	21.1%	26.3%	21.5%	20.1%	21.2%	15.0%	0.7%	0.69%
FCF Margin	29.3%	30.5%	30.3%	29.8%	27.6%	29.3%	27.1%	30.1%	28.8%	24.4%	23.0%	19.1%	18.8%	17.4%	20.0%	17.3%	17.2%	19.9%	18.7%	22.0%	22.01%
OCF Margin	31.0%	32.1%	32.0%	32.2%	30.6%	32.6%	30.0%	32.2%	30.1%	25.6%	24.6%	21.0%	20.9%	19.1%	21.2%	18.4%	18.1%	21.0%	20.7%	23.6%	23.62%
ROE 3Y Avg	snapshot only																				7.91%
ROE 5Y Avg	snapshot only																				8.73%
ROA 3Y Avg	snapshot only																				0.84%
ROIC 3Y Avg	snapshot only																				47.09%
ROIC Economic	snapshot only																				3.28%
Cash ROA	snapshot only																				1.25%
Cash ROIC	snapshot only																				19.80%
CROIC	snapshot only																				18.44%
NOPAT Margin	snapshot only																				10.52%
Pretax Margin	snapshot only																				12.86%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				31.67%
SBC / Revenue	snapshot only																				0.59%

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	12.04	10.54	10.78	10.85	10.59	11.85	11.14	10.83	10.39	8.44	12.57	11.14	10.77	12.68	10.43	10.95	10.48	11.06	15.21	22.67	21.382
P/S Ratio	2.76	2.88	3.02	2.88	2.82	2.79	2.57	2.35	2.02	1.77	2.23	1.83	1.72	1.86	1.74	1.88	1.78	1.88	2.30	2.39	2.282
P/B Ratio	1.02	1.06	1.09	1.03	1.02	1.03	1.19	1.13	1.02	0.94	1.16	0.99	0.96	1.07	0.98	1.07	1.03	1.09	1.04	1.15	1.109
P/FCF	9.39	9.43	9.98	9.67	10.21	9.52	9.47	7.83	7.03	7.26	9.70	9.57	9.13	10.64	8.70	10.86	10.36	9.47	12.29	10.84	10.840
P/OCF	8.90	8.96	9.45	8.94	9.21	8.55	8.57	7.31	6.72	6.90	9.05	8.69	8.20	9.74	8.20	10.22	9.81	8.96	11.13	10.10	10.100
EV/EBITDA	-1.60	-1.11	-5.42	-6.28	-6.32	-6.90	-2.15	-2.64	-3.59	-3.79	1.31	-0.08	-0.33	0.63	3.82	4.36	3.99	4.47	6.99	11.18	11.176
EV/Revenue	-0.48	-0.40	-1.98	-2.17	-2.17	-2.11	-0.65	-0.75	-0.92	-1.04	0.31	-0.02	-0.07	0.12	0.84	0.98	0.89	1.00	1.37	1.51	1.513
EV/EBIT	-1.71	-1.18	-5.73	-6.66	-6.69	-7.40	-2.31	-2.84	-3.88	-4.04	1.40	-0.08	-0.35	0.67	4.08	4.66	4.26	4.77	7.40	11.77	11.766
EV/FCF	-1.64	-1.30	-6.54	-7.28	-7.86	-7.22	-2.38	-2.50	-3.21	-4.28	1.36	-0.09	-0.37	0.71	4.17	5.67	5.19	5.02	7.31	6.88	6.876
Earnings Yield	8.3%	9.5%	9.3%	9.2%	9.4%	8.4%	9.0%	9.2%	9.6%	11.8%	8.0%	9.0%	9.3%	7.9%	9.6%	9.1%	9.5%	9.0%	6.6%	4.4%	4.41%
FCF Yield	10.6%	10.6%	10.0%	10.3%	9.8%	10.5%	10.6%	12.8%	14.2%	13.8%	10.3%	10.4%	11.0%	9.4%	11.5%	9.2%	9.6%	10.6%	8.1%	9.2%	9.23%
Price/Tangible Book	snapshot only																				1.479
EV/OCF	snapshot only																				6.406
EV/Gross Profit	snapshot only																				2.549
Acquirers Multiple	snapshot only																				11.766
Shareholder Yield	snapshot only																				4.34%
Graham Number	snapshot only																				$20.71

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	0.25	0.25	0.32	0.32	0.32	0.32	0.26	0.26	0.26	0.26	0.24	0.24	0.24	0.24	0.17	0.17	0.17	0.17	1.11	1.11	1.110
Quick Ratio	0.25	0.25	0.32	0.32	0.32	0.32	0.26	0.26	0.26	0.26	0.24	0.24	0.24	0.24	0.17	0.17	0.17	0.17	1.11	1.11	1.110
Debt/Equity	0.30	0.30	0.26	0.26	0.26	0.26	0.73	0.73	0.73	0.73	0.81	0.81	0.81	0.81	0.75	0.75	0.75	0.75	0.56	0.56	0.565
Net Debt/Equity	-1.20	-1.20	-1.81	-1.81	-1.81	-1.81	-1.49	-1.49	-1.49	-1.49	-0.99	-0.99	-0.99	-0.99	-0.51	-0.51	-0.51	-0.51	-0.42	-0.42	-0.422
Debt/Assets	0.04	0.04	0.03	0.03	0.03	0.03	0.07	0.07	0.07	0.07	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.06	0.06	0.062
Debt/EBITDA	2.73	2.33	1.95	2.08	2.07	2.27	5.23	5.33	5.60	5.00	6.49	6.75	6.74	7.10	6.10	5.88	5.86	5.83	6.37	8.62	8.620
Net Debt/EBITDA	-10.77	-9.21	-13.69	-14.63	-14.54	-15.99	-10.69	-10.89	-11.44	-10.21	-7.99	-8.32	-8.31	-8.75	-4.14	-3.99	-3.98	-3.96	-4.76	-6.44	-6.444
Interest Coverage	3.91	5.18	5.74	5.55	5.65	4.25	3.40	2.35	1.55	1.31	0.92	0.75	0.68	0.59	0.65	0.67	0.68	0.71	0.60	0.45	0.445
Equity Multiplier	7.47	7.47	7.72	7.72	7.72	7.72	9.84	9.84	9.84	9.84	9.59	9.59	9.59	9.59	9.48	9.48	9.48	9.48	9.17	9.17	9.167
Cash Ratio	snapshot only																				8.099
Debt Service Coverage	snapshot only																				0.469
Cash to Debt	snapshot only																				1.748
FCF to Debt	snapshot only																				0.189
Defensive Interval	snapshot only																				1655.4 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	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.06	0.058
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	16.73	16.54	14.03	13.91	14.09	14.33	14.54	15.05	15.86	16.63	15.31	15.90	16.40	16.92	17.40	17.60	17.76	17.84	15.25	16.27	16.274
Payables Turnover	0.58	0.52	0.40	0.41	0.39	0.53	0.68	0.79	1.05	1.12	2.60	3.17	3.48	3.94	—	—	—	—	—	—	—
DSO	22	22	26	26	26	25	25	24	23	22	24	23	22	22	21	21	21	20	24	22	22.4 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	630	707	916	881	925	688	536	462	347	326	140	115	105	93	0	0	0	0	0	0	—
Cash Conversion Cycle	-608	-685	-890	-855	-899	-663	-511	-438	-324	-305	-117	-92	-83	-71	21	21	21	20	24	22	—
Fixed Asset Turnover	snapshot only																				5.960
Cash Velocity	snapshot only																				0.490
Capital Intensity	snapshot only																				18.936

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	26.7%	16.7%	8.5%	1.3%	-1.7%	1.2%	6.0%	10.7%	15.2%	18.7%	18.0%	18.4%	15.8%	13.9%	14.1%	11.2%	8.8%	5.9%	-0.3%	5.2%	5.18%
Net Income	25.0%	67.6%	59.0%	20.2%	14.2%	-12.9%	-12.9%	-9.4%	-15.7%	5.8%	-9.3%	-10.7%	-5.1%	-20.3%	7.5%	16.1%	15.8%	23.1%	-9.8%	-35.4%	-35.40%
EPS	8.0%	68.3%	60.6%	21.8%	17.4%	-10.9%	-11.4%	-8.0%	-14.5%	7.3%	-8.1%	-9.6%	-5.3%	-20.9%	5.7%	15.3%	15.1%	22.3%	-21.2%	-43.9%	-43.91%
FCF	96.6%	1.0%	52.4%	32.4%	-7.6%	-2.9%	-5.1%	11.7%	20.2%	-1.2%	-0.1%	-24.9%	-24.3%	-18.4%	-0.5%	0.7%	-0.8%	20.7%	-6.9%	33.9%	33.92%
EBITDA	26.3%	67.0%	58.0%	19.3%	12.1%	-12.8%	-12.8%	-8.5%	-13.4%	6.6%	-6.1%	-8.0%	-3.3%	-18.0%	4.4%	12.7%	12.8%	19.4%	-11.0%	-36.6%	-36.63%
Op. Income	26.8%	71.4%	62.4%	20.7%	13.3%	-14.0%	-14.2%	-10.0%	-15.4%	7.3%	-5.8%	-7.4%	-2.3%	-18.9%	4.6%	13.1%	13.2%	20.6%	-10.1%	-35.8%	-35.76%
OCF Growth	snapshot only																				35.26%
Asset Growth	snapshot only																				19.99%
Equity Growth	snapshot only																				24.13%
Debt Growth	snapshot only																				-7.04%
Shares Change	snapshot only																				15.17%
Dividend Growth	snapshot only																				8.80%

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	19.6%	17.8%	16.1%	15.0%	13.7%	12.1%	11.6%	10.9%	12.8%	11.9%	10.7%	9.9%	9.5%	11.1%	12.6%	13.4%	13.2%	12.7%	10.3%	11.4%	11.43%
Revenue 5Y	12.8%	12.4%	12.8%	12.6%	12.7%	13.0%	13.6%	14.0%	14.1%	14.5%	14.4%	14.8%	14.4%	13.8%	13.4%	12.4%	12.6%	11.1%	9.1%	9.2%	9.18%
EPS 3Y	5.6%	8.7%	2.9%	-0.2%	8.7%	5.6%	6.6%	7.5%	2.7%	17.2%	9.4%	0.4%	-1.7%	-8.9%	-4.9%	-1.4%	-2.3%	1.2%	-8.5%	-16.4%	-16.38%
EPS 5Y	4.1%	8.1%	8.5%	7.4%	7.4%	5.8%	9.3%	7.2%	3.4%	4.2%	-2.3%	-3.7%	0.8%	-0.0%	3.3%	5.3%	3.4%	9.2%	1.7%	-8.1%	-8.11%
Net Income 3Y	15.3%	18.0%	11.5%	8.0%	13.3%	9.8%	10.9%	11.8%	6.4%	15.6%	7.9%	-0.9%	-3.0%	-9.8%	-5.3%	-2.0%	-2.5%	1.2%	-4.2%	-12.5%	-12.49%
Net Income 5Y	10.1%	14.0%	14.2%	12.9%	12.9%	10.7%	14.7%	12.6%	8.1%	8.6%	1.9%	0.4%	3.1%	2.2%	5.9%	7.7%	5.8%	8.7%	4.0%	-6.1%	-6.10%
EBITDA 3Y	9.9%	13.5%	12.4%	8.7%	13.6%	10.5%	11.4%	12.3%	7.0%	15.8%	9.0%	0.2%	-2.1%	-8.6%	-5.1%	-1.7%	-1.9%	1.5%	-4.4%	-13.1%	-13.06%
EBITDA 5Y	8.2%	11.8%	11.9%	10.7%	10.4%	8.7%	9.3%	8.2%	5.2%	6.3%	3.1%	1.6%	4.2%	3.4%	6.2%	8.0%	6.0%	8.7%	3.8%	-6.4%	-6.42%
Gross Profit 3Y	18.2%	16.8%	15.3%	13.5%	13.3%	11.8%	11.2%	11.3%	10.8%	9.5%	5.8%	1.9%	0.6%	0.2%	1.9%	3.0%	2.4%	3.4%	0.9%	-0.6%	-0.63%
Gross Profit 5Y	12.4%	12.3%	12.5%	12.2%	12.3%	11.9%	11.9%	11.7%	10.6%	10.8%	9.8%	8.7%	8.2%	7.4%	7.7%	7.9%	7.7%	6.2%	3.2%	0.6%	0.57%
Op. Income 3Y	9.9%	13.9%	12.8%	8.9%	14.2%	10.6%	11.4%	12.3%	6.7%	16.5%	9.5%	0.2%	-2.2%	-9.2%	-5.4%	-2.0%	-2.2%	1.6%	-4.0%	-12.4%	-12.39%
Op. Income 5Y	8.5%	12.3%	12.3%	11.0%	10.8%	8.8%	9.5%	8.2%	5.0%	6.4%	3.0%	1.5%	4.2%	3.3%	6.4%	8.2%	6.1%	9.1%	4.3%	-6.1%	-6.09%
FCF 3Y	13.1%	16.3%	10.1%	14.9%	14.9%	13.6%	16.9%	21.4%	29.7%	24.5%	13.1%	3.6%	-5.6%	-7.8%	-1.9%	-5.4%	-3.3%	-0.9%	-2.5%	0.4%	0.44%
FCF 5Y	13.7%	14.9%	14.3%	13.6%	13.9%	12.5%	12.1%	12.3%	10.0%	8.5%	4.8%	5.0%	6.7%	3.4%	9.7%	6.2%	10.4%	13.7%	6.0%	8.4%	8.43%
OCF 3Y	12.8%	15.7%	10.4%	15.8%	16.3%	15.2%	15.5%	17.4%	22.5%	17.7%	10.6%	4.1%	-3.9%	-6.7%	-1.8%	-6.0%	-4.9%	-2.6%	-2.6%	0.5%	0.49%
OCF 5Y	13.3%	14.1%	13.5%	12.9%	13.8%	13.0%	12.3%	12.3%	9.6%	8.2%	5.3%	5.8%	7.5%	3.9%	8.0%	4.0%	6.9%	10.0%	5.2%	8.2%	8.18%
Assets 3Y	20.6%	20.6%	21.7%	21.7%	21.7%	21.7%	14.1%	14.1%	14.1%	14.1%	4.0%	4.0%	4.0%	4.0%	3.9%	3.9%	3.9%	3.9%	8.5%	8.5%	8.47%
Assets 5Y	12.8%	12.8%	13.4%	13.4%	13.4%	13.4%	14.0%	14.0%	14.0%	14.0%	14.3%	14.3%	14.3%	14.3%	9.6%	9.6%	9.6%	9.6%	6.9%	6.9%	6.95%
Equity 3Y	16.7%	16.7%	15.2%	15.2%	15.2%	15.2%	0.7%	0.7%	0.7%	0.7%	-4.3%	-4.3%	-4.3%	-4.3%	-3.0%	-3.0%	-3.0%	-3.0%	11.1%	11.1%	11.08%
Book Value 3Y	6.9%	7.5%	6.3%	6.4%	10.4%	10.7%	-3.2%	-3.2%	-2.8%	2.0%	-3.0%	-3.1%	-3.1%	-3.4%	-2.6%	-2.3%	-2.8%	-3.0%	6.1%	6.1%	6.14%
Dividend 3Y	-3.1%	-3.7%	-4.6%	-5.6%	-3.6%	-3.8%	-4.1%	-4.4%	-4.0%	0.8%	0.7%	0.7%	0.8%	0.6%	0.4%	0.9%	0.5%	0.3%	-3.0%	-1.7%	-1.73%

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	0.83	0.90	0.95	0.94	0.93	0.97	0.98	0.96	0.95	0.97	0.97	0.95	0.95	0.97	0.97	0.97	0.99	0.97	0.94	0.96	0.958
Earnings Stability	0.87	0.64	0.64	0.77	0.94	0.68	0.65	0.71	0.73	0.63	0.28	0.22	0.26	0.17	0.28	0.32	0.15	0.08	0.00	0.30	0.296
Margin Stability	0.96	0.96	0.97	0.95	0.96	0.97	0.97	0.95	0.94	0.94	0.92	0.90	0.89	0.88	0.88	0.88	0.87	0.87	0.87	0.84	0.836
Rev. Growth Consistency	1.00	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	1.00	1.000
Earn. Growth Consistency	1.00	0.50	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	0.000
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	0.90	0.50	0.50	0.92	0.94	0.95	0.95	0.96	0.94	0.98	0.96	0.96	0.98	0.92	0.97	0.94	0.94	0.91	0.96	0.86	0.858
Earnings Smoothness	0.78	0.49	0.54	0.82	0.87	0.86	0.86	0.90	0.83	0.94	0.90	0.89	0.95	0.77	0.93	0.85	0.85	0.79	0.90	0.57	0.570
ROE Trend	-0.01	0.01	0.03	0.02	0.01	0.00	0.02	0.02	0.01	0.02	-0.01	-0.01	-0.01	-0.01	-0.01	0.00	0.00	0.00	-0.02	-0.04	-0.042
Gross Margin Trend	0.02	0.04	0.04	0.04	0.04	0.00	-0.03	-0.06	-0.11	-0.10	-0.12	-0.16	-0.16	-0.17	-0.13	-0.10	-0.07	-0.05	-0.06	-0.10	-0.101
FCF Margin Trend	0.07	0.08	0.08	0.07	0.03	0.05	0.01	0.04	0.00	-0.06	-0.06	-0.11	-0.09	-0.09	-0.05	-0.07	-0.07	-0.01	-0.03	0.04	0.038
Sustainable Growth Rate	3.6%	5.2%	4.8%	4.2%	4.4%	3.4%	3.9%	3.7%	3.2%	4.4%	3.4%	3.0%	3.0%	2.6%	3.9%	4.2%	4.2%	4.3%	2.3%	0.1%	0.15%
Internal Growth Rate	0.5%	0.7%	0.6%	0.6%	0.6%	0.5%	0.5%	0.4%	0.4%	0.5%	0.3%	0.3%	0.3%	0.3%	0.4%	0.4%	0.4%	0.5%	0.2%	0.0%	0.02%

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	1.35	1.18	1.14	1.21	1.15	1.39	1.30	1.48	1.55	1.22	1.39	1.28	1.31	1.30	1.27	1.07	1.07	1.23	1.37	2.24	2.245
FCF/OCF	0.95	0.95	0.95	0.92	0.90	0.90	0.90	0.93	0.96	0.95	0.93	0.91	0.90	0.92	0.94	0.94	0.95	0.95	0.91	0.93	0.932
FCF/Net Income	snapshot only																				2.091
OCF/EBITDA	snapshot only																				1.745
CapEx/Revenue	1.6%	1.6%	1.7%	2.4%	3.0%	3.3%	2.8%	2.2%	1.3%	1.3%	1.7%	1.9%	2.1%	1.6%	1.2%	1.1%	1.0%	1.1%	2.0%	1.6%	1.61%
CapEx/Depreciation	snapshot only																				2.376
Accruals Ratio	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.008
Sloan Accruals	snapshot only																				0.607
Cash Flow Adequacy	snapshot only																				1.991
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	5.1%	5.0%	4.9%	5.2%	5.2%	5.1%	5.3%	5.6%	6.2%	6.7%	5.1%	6.0%	6.2%	5.5%	5.7%	5.3%	5.5%	5.2%	4.6%	4.3%	5.32%
Dividend/Share	$0.99	$1.01	$1.02	$1.03	$1.04	$1.04	$1.03	$1.03	$1.03	$1.03	$1.03	$1.02	$1.01	$1.02	$1.01	$1.02	$1.02	$1.02	$0.92	$0.96	$1.12
Payout Ratio	61.9%	52.9%	52.3%	56.1%	55.0%	60.9%	59.6%	60.8%	64.1%	56.6%	64.5%	66.8%	66.5%	70.3%	59.8%	57.8%	57.9%	57.6%	69.5%	97.4%	97.41%
FCF Payout Ratio	48.3%	47.3%	48.4%	50.0%	53.0%	48.9%	50.7%	44.0%	43.4%	48.6%	49.8%	57.4%	56.4%	59.0%	49.9%	57.3%	57.3%	49.3%	56.2%	46.6%	46.58%
Total Payout Ratio	68.5%	77.6%	77.1%	93.8%	1.1%	97.3%	94.7%	91.0%	91.7%	80.8%	92.6%	88.9%	70.3%	73.6%	62.3%	60.2%	58.8%	58.3%	70.5%	98.5%	98.51%
Div. Increase Streak	1	1	1	1	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	1	0
Chowder Number	0.23	0.19	0.15	0.12	0.07	0.05	0.05	0.04	0.05	0.05	0.03	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.09	0.13	0.131
Buyback Yield	0.6%	2.3%	2.3%	3.5%	4.9%	3.1%	3.2%	2.8%	2.7%	2.9%	2.2%	2.0%	0.4%	0.3%	0.2%	0.2%	0.1%	0.1%	0.1%	0.0%	0.05%
Net Buyback Yield	0.5%	2.3%	2.2%	3.4%	4.8%	3.0%	3.1%	2.8%	2.6%	2.9%	2.2%	2.0%	0.4%	0.3%	0.2%	0.2%	0.1%	0.1%	0.1%	0.0%	0.05%
Total Shareholder Return	5.7%	7.3%	7.1%	8.6%	10.0%	8.2%	8.4%	8.4%	8.8%	9.6%	7.4%	8.0%	6.5%	5.8%	6.0%	5.5%	5.6%	5.3%	4.6%	4.3%	4.34%

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)	0.81	0.81	0.81	0.82	0.82	0.82	0.82	0.82	0.82	0.81	0.79	0.79	0.79	0.80	0.81	0.81	0.81	0.81	0.82	0.82	0.818
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.28	0.34	0.35	0.33	0.32	0.29	0.28	0.26	0.24	0.26	0.22	0.21	0.20	0.18	0.20	0.21	0.21	0.21	0.18	0.13	0.129
Asset Turnover	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.06	0.058
Equity Multiplier	7.15	7.15	7.60	7.60	7.60	7.60	8.68	8.68	8.68	8.68	9.71	9.71	9.71	9.71	9.53	9.53	9.53	9.53	9.31	9.31	9.308

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)	$1.60	$1.91	$1.95	$1.83	$1.88	$1.70	$1.73	$1.69	$1.61	$1.83	$1.59	$1.52	$1.52	$1.44	$1.68	$1.76	$1.75	$1.77	$1.33	$0.99	$0.99
Book Value/Share	$18.88	$19.08	$19.28	$19.26	$19.52	$19.61	$16.21	$16.18	$16.37	$16.45	$17.29	$17.23	$17.19	$17.19	$17.84	$17.95	$17.92	$17.91	$19.34	$19.34	$19.00
Tangible Book/Share	$15.33	$15.49	$15.71	$15.69	$15.90	$15.98	$12.61	$12.59	$12.73	$12.80	$13.67	$13.62	$13.59	$13.59	$14.30	$14.39	$14.37	$14.36	$15.10	$15.10	$15.10
Revenue/Share	$7.01	$7.00	$6.97	$6.90	$7.08	$7.24	$7.51	$7.76	$8.27	$8.72	$8.98	$9.29	$9.56	$9.86	$10.07	$10.25	$10.34	$10.37	$8.77	$9.36	$9.36
FCF/Share	$2.06	$2.14	$2.11	$2.06	$1.95	$2.12	$2.04	$2.33	$2.38	$2.12	$2.06	$1.77	$1.80	$1.72	$2.02	$1.77	$1.77	$2.06	$1.64	$2.06	$2.06
OCF/Share	$2.17	$2.25	$2.23	$2.22	$2.17	$2.36	$2.25	$2.50	$2.49	$2.23	$2.21	$1.95	$2.00	$1.88	$2.14	$1.88	$1.87	$2.18	$1.81	$2.21	$2.21
Cash/Share	$28.42	$28.72	$39.82	$39.79	$40.31	$40.52	$35.97	$35.89	$36.31	$36.50	$31.15	$31.03	$30.96	$30.96	$22.59	$22.73	$22.70	$22.68	$19.10	$19.10	$3.03
EBITDA/Share	$2.11	$2.49	$2.55	$2.38	$2.43	$2.22	$2.26	$2.21	$2.13	$2.40	$2.15	$2.06	$2.06	$1.95	$2.21	$2.30	$2.31	$2.32	$1.72	$1.27	$1.27
Debt/Share	$5.74	$5.80	$4.96	$4.96	$5.02	$5.05	$11.82	$11.80	$11.93	$11.99	$13.95	$13.90	$13.87	$13.87	$13.46	$13.54	$13.52	$13.51	$10.93	$10.93	$10.93
Net Debt/Share	$-22.68	$-22.92	$-34.86	$-34.83	$-35.29	$-35.47	$-24.15	$-24.09	$-24.38	$-24.50	$-17.19	$-17.13	$-17.09	$-17.09	$-9.13	$-9.19	$-9.18	$-9.17	$-8.17	$-8.17	$-8.17

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.390
Altman Z-Prime	snapshot only																				0.382
Piotroski F-Score	7	7	8	7	8	6	6	6	6	7	6	6	5	5	7	7	6	7	5	5	5
Beneish M-Score	-1.89	-1.80	-2.63	-2.66	-2.64	-2.54	-2.13	-2.21	-2.14	-2.24	-2.46	-2.24	-2.34	-2.29	-2.48	-2.49	-2.44	-2.51	-2.03	-1.88	-1.879
Ohlson O-Score	snapshot only																				-4.708
ROIC (Greenblatt)	snapshot only																				65.77%
Net-Net WC	snapshot only																				$-155.36
EVA	snapshot only																				$-2331600.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				BBB-
Credit Score	79.28	82.96	86.06	83.61	83.81	82.57	63.21	63.50	63.50	66.36	57.38	57.25	57.19	56.89	59.94	62.03	61.90	61.23	54.30	51.13	51.129
Credit Grade	snapshot only																				10
Credit Trend	snapshot only																				-10.901
Implied Spread (bps)	snapshot only																				350.000
Industry Credit Rank	snapshot only																				30
Sector Credit Rank	snapshot only																				38

CZNC NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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