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HOPE NASDAQ

Hope Bancorp, Inc.
1W: +3.9% 1M: -0.2% 3M: +2.4% YTD: +14.6% 1Y: +22.4% 3Y: +85.3% 5Y: -1.5%
$12.38
-0.07 (-0.56%)
 
Weekly Expected Move ±3.4%
$11 $11 $12 $12 $13
NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 54 · $1.6B mcap · 122M float · 0.766% daily turnover · Short 71% of daily vol
Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings
Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

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
32.7 / 100
NoneWeakNarrowWide
Primary source: Efficient Scale  ·  ROIC: 157.3%  ·  5Y Avg: -1293.4%
Cost Advantage
31
Intangibles
36
Switching Cost
29
Network Effect
28
Scale ★
40
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. HOPE has No discernible competitive edge (32.7/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. ROIC of 157.3% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

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

Analyst Price Targets
$0
Low
$14
Avg Target
$14
High
Based on 1 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 0Buy: 1Hold: 5Sell: 0Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$14.50
Analysts1
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2025-10-29 D.A. Davidson Gary Tenner $15 $14 -0 +32.0% $10.99
2024-07-30 D.A. Davidson Gary Tenner $12 $15 +2 +13.9% $13.17
2024-04-30 D.A. Davidson Gary Tenner Initiated $12 — +25.9% $9.93

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
4
ROE
2
ROA
2
D/E
3
P/E
1
P/B
4
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. HOPE receives an overall rating of B. Strongest factors: DCF (4/5), P/B (4/5). Areas of concern: ROE (2/5), ROA (2/5), P/E (1/5).
Rating Change History
DateFromTo
2026-04-30 B+ B
2026-04-29 B B+
2026-04-22 B+ B
2026-04-01 B B+
2026-01-28 B- B
2026-01-27 B B-
2026-01-22 B+ B
2026-01-22 B B+
2026-01-20 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.

★ ★ ★ ★ ★ 41 Grade A
Profitability
38
Balance Sheet
55
Earnings Quality
99
Growth
22
Value
66
Momentum
56
Safety
65
Cash Flow
72
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. HOPE scores highest in Earnings Quality (99/100) and lowest in Growth (22/100). An overall grade of A places HOPE 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
2.65
Grey Zone
Piotroski F-Score
6/9
✓ ✓ ✗ ✓ ✓ ✓ ✗ ✓ ✗
Beneish M-Score
-3.49
Unlikely Manipulator
Ohlson O-Score
-5.41
Bankruptcy prob: 0.4%
Low Risk
Credit Rating
BBB+
Score: 60.9/100
Trend: Improving
Earnings Quality
100/100
OCF/NI: 2.27x
Accruals: -0.5%
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. HOPE scores 2.65, 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. HOPE scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. HOPE's score of -3.49 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. HOPE's implied 0.4% 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. HOPE receives an estimated rating of BBB+ (score: 60.9/100), 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). HOPE'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
23.79x
PEG
-0.71x
P/S
1.61x
P/B
0.70x
P/FCF
10.66x
P/OCF
9.48x
EV/EBITDA
-8.53x
EV/Revenue
-0.81x
EV/EBIT
-8.80x
EV/FCF
-5.93x
Earnings Yield
4.66%
FCF Yield
9.38%
Shareholder Yield
5.31%
Graham Number
$14.41
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 23.8x earnings, HOPE commands a growth premium. Graham's intrinsic value formula yields $14.41 per share, suggesting a potential 16% 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
0.801
NI / EBT
×
Interest Burden
0.921
EBT / EBIT
×
EBIT Margin
0.093
EBIT / Rev
×
Asset Turnover
0.055
Rev / Assets
×
Equity Multiplier
8.055
Assets / Equity
=
ROE
3.0%
The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. HOPE's ROE of 3.0% is driven by financial leverage (equity multiplier: 8.06x). 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
$4.42
Price/Value
2.53x
Margin of Safety
-152.60%
Premium
152.60%
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 HOPE's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. HOPE trades at a 153% premium to its adjusted intrinsic value of $4.42, 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 23.8x.

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
$12.38
Median 1Y
$12.00
5th Pctile
$6.64
95th Pctile
$21.70
Ann. Volatility
37.8%
25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

ExecutiveSalaryStockTotal
Kevin S. Kim
Chairman, President & Chief Executive Officer
 $1,140,192 $1,575,151 $3,785,116
Thomas P. Stenger
Chief Risk Officer
 $514,615 $238,654 $1,125,356
Peter J. Koh
Chief Operating Officer
 $507,904 $280,655 $1,016,241
Julianna Balicka Financial
ancial Officer
 $483,738 $224,341 $872,679
Jason Kim Business
siness Banking Officer
 $442,569 $205,247 $851,843

CEO Pay Ratio

Insufficient data for pay ratio.

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
—
-100.0% YoY
Revenue / Employee
—
Rev: $967,795,000
Profit / Employee
—
NI: $58,524,000
SGA / Employee
—
Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

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

Profitability
Metric Trend 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 7.6% 8.9% 9.9% 10.7% 10.6% 10.5% 10.6% 9.6% 8.9% 7.7% 6.5% 5.8% 5.2% 4.9% 4.7% 4.5% 2.0% 2.3% 2.6% 3.0% 3.03%
ROA 1.0% 1.1% 1.2% 1.3% 1.3% 1.2% 1.2% 1.1% 1.0% 0.9% 0.7% 0.6% 0.6% 0.5% 0.6% 0.5% 0.2% 0.3% 0.3% 0.4% 0.38%
ROIC -497.6% -577.3% -91.5% -99.1% -98.4% -97.6% 27.7% 25.0% 23.2% 20.2% 34.4% 31.0% 27.7% 26.2% 4.8% 4.6% 2.0% 2.3% 1.4% 1.6% 1.57%
ROCE 7.3% 8.6% 9.7% 10.5% 10.5% 10.4% 8.7% 7.9% 7.3% 6.3% 4.2% 3.8% 3.4% 3.2% 5.1% 4.7% 2.3% 2.5% 0.5% 0.6% 0.61%
Gross Margin 95.6% 98.3% 91.5% 99.6% 88.6% 77.7% 65.2% 57.2% 48.8% 44.6% 47.9% 45.1% 47.4% 45.9% 44.3% 48.0% 36.8% 51.2% 56.4% 53.5% 53.48%
Operating Margin 47.3% 49.5% 44.9% 51.9% 41.5% 36.3% 29.7% 21.3% 18.1% 14.1% 12.1% 13.4% 14.2% 13.0% 12.6% 12.0% -13.8% 14.0% 17.9% 15.4% 15.37%
Net Margin 35.5% 36.5% 32.8% 38.4% 30.5% 26.5% 22.0% 15.8% 13.4% 10.6% 9.5% 9.7% 10.4% 9.8% 10.1% 9.1% -12.9% 11.9% 13.3% 12.0% 11.98%
EBITDA Margin 47.3% 49.5% 44.9% 51.9% 41.5% 36.3% 29.7% 21.3% 18.1% 14.1% 12.1% 13.4% 14.2% 13.0% 12.6% 12.0% -13.8% 14.0% 19.1% 15.4% 15.37%
FCF Margin 33.5% 43.5% 52.3% 71.4% 68.9% 66.7% 62.2% 43.0% 42.2% 47.5% 42.1% 37.2% 24.7% 13.1% 10.7% 10.7% 14.8% 13.2% 15.2% 13.7% 13.74%
OCF Margin 34.2% 44.5% 53.5% 72.7% 70.3% 68.1% 63.3% 44.2% 43.5% 48.8% 43.3% 38.3% 25.6% 14.0% 11.7% 11.8% 15.9% 14.5% 17.0% 15.5% 15.45%
ROE 3Y Avg snapshot only 4.35%
ROE 5Y Avg snapshot only 6.68%
ROA 3Y Avg snapshot only 0.52%
ROIC Economic snapshot only 2.73%
Cash ROA snapshot only 0.82%
Cash ROIC snapshot only 3.28%
CROIC snapshot only 2.92%
NOPAT Margin snapshot only 7.41%
Pretax Margin snapshot only 8.52%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 18.92%
SBC / Revenue snapshot only 0.70%
Valuation
Metric Trend 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 9.07 7.95 7.13 7.27 6.34 5.86 6.00 5.17 4.86 5.95 9.86 10.58 11.19 14.04 14.20 12.85 31.25 28.25 24.12 21.47 23.795
P/S Ratio 2.33 2.40 2.41 2.60 2.18 1.86 1.71 1.19 0.91 0.90 1.20 1.14 1.12 1.38 1.41 1.26 1.39 1.44 1.46 1.46 1.612
P/B Ratio 0.69 0.70 0.70 0.77 0.67 0.61 0.65 0.50 0.44 0.47 0.62 0.60 0.57 0.67 0.66 0.57 0.61 0.64 0.62 0.63 0.698
P/FCF 6.97 5.53 4.60 3.64 3.17 2.78 2.75 2.76 2.17 1.89 2.86 3.07 4.54 10.50 13.23 11.79 9.42 10.90 9.60 10.66 10.665
P/OCF 6.81 5.41 4.50 3.58 3.11 2.73 2.70 2.69 2.10 1.84 2.78 2.98 4.37 9.81 12.12 10.72 8.76 9.95 8.58 9.48 9.479
EV/EBITDA -3.14 -2.57 -3.11 -2.36 -3.09 -3.50 0.27 -0.80 -1.39 -1.33 -4.50 -5.24 -6.34 -5.06 10.14 9.24 20.47 20.07 -9.87 -8.53 -8.525
EV/Revenue -1.05 -1.02 -1.41 -1.14 -1.45 -1.51 0.10 -0.25 -0.36 -0.27 -0.73 -0.76 -0.85 -0.66 1.35 1.20 1.32 1.37 -0.85 -0.81 -0.814
EV/EBIT -3.14 -2.57 -3.11 -2.36 -3.09 -3.50 0.27 -0.80 -1.39 -1.33 -4.50 -5.24 -6.34 -5.06 10.14 9.24 20.47 20.07 -10.23 -8.80 -8.801
EV/FCF -3.13 -2.35 -2.70 -1.60 -2.10 -2.26 0.16 -0.58 -0.84 -0.57 -1.74 -2.03 -3.44 -5.06 12.62 11.16 8.94 10.37 -5.62 -5.93 -5.928
Earnings Yield 11.0% 12.6% 14.0% 13.8% 15.8% 17.1% 16.7% 19.3% 20.6% 16.8% 10.1% 9.4% 8.9% 7.1% 7.0% 7.8% 3.2% 3.5% 4.1% 4.7% 4.66%
FCF Yield 14.4% 18.1% 21.7% 27.4% 31.6% 36.0% 36.4% 36.2% 46.1% 52.8% 35.0% 32.6% 22.0% 9.5% 7.6% 8.5% 10.6% 9.2% 10.4% 9.4% 9.38%
Price/Tangible Book snapshot only 0.818
EV/OCF snapshot only -5.269
EV/Gross Profit snapshot only -1.629
Acquirers Multiple snapshot only -8.801
Shareholder Yield snapshot only 5.31%
Graham Number snapshot only $14.41
Leverage & Solvency
Metric Trend 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 0.19 0.19 0.20 0.20 0.20 0.20 0.16 0.16 0.16 0.16 0.28 0.28 0.28 0.28 0.04 0.04 0.04 0.04 0.72 0.72 0.719
Quick Ratio 0.19 0.19 0.20 0.20 0.20 0.20 0.16 0.16 0.16 0.16 0.28 0.28 0.28 0.28 0.04 0.04 0.04 0.04 0.72 0.72 0.719
Debt/Equity 0.30 0.30 0.32 0.32 0.32 0.32 0.62 0.62 0.62 0.62 0.92 0.92 0.92 0.92 0.18 0.18 0.18 0.18 0.17 0.17 0.173
Net Debt/Equity -1.00 -1.00 -1.11 -1.11 -1.11 -1.11 -0.61 -0.61 -0.61 -0.61 -1.00 -1.00 -1.00 -1.00 -0.03 -0.03 -0.03 -0.03 -0.98 -0.98 -0.980
Debt/Assets 0.04 0.04 0.04 0.04 0.04 0.04 0.07 0.07 0.07 0.07 0.10 0.10 0.10 0.10 0.02 0.02 0.02 0.02 0.02 0.02 0.021
Debt/EBITDA 3.02 2.56 2.47 2.27 2.27 2.29 4.21 4.68 5.04 5.83 11.00 12.15 13.58 14.37 2.95 3.14 6.49 6.06 4.73 4.22 4.223
Net Debt/EBITDA -10.14 -8.62 -8.42 -7.73 -7.75 -7.80 -4.16 -4.62 -4.97 -5.75 -11.90 -13.15 -14.70 -15.55 -0.49 -0.52 -1.08 -1.01 -26.74 -23.86 -23.863
Interest Coverage 2.60 3.79 5.12 6.02 5.70 3.91 2.15 1.17 0.71 0.47 0.34 0.28 0.26 0.25 0.25 0.25 0.12 0.13 0.17 0.20 0.198
Equity Multiplier 8.33 8.33 8.55 8.55 8.55 8.55 9.49 9.49 9.49 9.49 9.02 9.02 9.02 9.02 7.99 7.99 7.99 7.99 8.12 8.12 8.116
Cash Ratio snapshot only 0.705
Debt Service Coverage snapshot only 0.204
Cash to Debt snapshot only 6.651
FCF to Debt snapshot only 0.341
Defensive Interval snapshot only 2404.1 days
Efficiency & Turnover
Metric Trend 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 0.03 0.04 0.04 0.04 0.04 0.05 0.05 0.06 0.06 0.06 0.06 0.05 0.06 0.05 0.05 0.05 0.05 0.06 0.055
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 13.49 13.29 11.96 12.22 12.60 13.60 15.75 17.60 19.93 21.61 18.68 19.03 18.33 17.70 17.72 17.10 16.61 16.84 37.83 38.37 38.366
Payables Turnover 5.10 3.16 4.38 2.45 3.80 8.30 9.52 16.34 24.48 31.73 5.69 6.11 5.93 5.69 4.15 3.95 4.01 3.96 10.61 10.47 10.471
DSO 27 27 31 30 29 27 23 21 18 17 20 19 20 21 21 21 22 22 10 10 9.5 days
DIO 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.0 days
DPO 72 115 83 149 96 44 38 22 15 12 64 60 62 64 88 92 91 92 34 35 34.9 days
Cash Conversion Cycle -45 -88 -53 -119 -67 -17 -15 -2 3 5 -45 -41 -42 -44 -67 -71 -69 -70 -25 -25 -25.3 days
Fixed Asset Turnover snapshot only 14.105
Cash Velocity snapshot only 0.373
Capital Intensity snapshot only 18.879
Growth (YoY)
Metric Trend 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 -12.5% -10.7% -6.2% 1.1% 4.9% 14.9% 26.5% 38.3% 51.9% 52.7% 42.8% 30.2% 10.8% -1.4% -8.6% -13.4% -12.7% -8.3% -3.2% 1.7% 1.72%
Net Income 13.0% 43.6% 83.4% 71.5% 40.8% 20.4% 6.7% -11.3% -17.0% -27.2% -38.8% -38.8% -41.0% -35.9% -25.5% -21.2% -61.3% -52.4% -41.3% -29.4% -29.40%
EPS 12.2% 44.4% 87.8% 76.1% 45.0% 23.3% 7.5% -10.6% -16.6% -27.4% -39.1% -39.2% -41.4% -36.4% -25.9% -21.5% -62.5% -55.2% -44.6% -33.4% -33.40%
FCF 8.5% 71.8% 97.0% 2.0% 1.2% 76.2% 50.3% -16.7% -7.0% 8.8% -3.3% 12.8% -35.1% -72.8% -76.8% -75.1% -47.8% -7.8% 37.5% 30.4% 30.38%
EBITDA 11.8% 45.5% 93.5% 78.8% 47.5% 24.6% 7.5% -10.9% -17.1% -27.8% -39.9% -39.7% -41.8% -36.4% -25.3% -22.4% -58.0% -52.4% -37.1% -25.0% -24.95%
Op. Income 11.8% 45.5% 93.5% 78.8% 47.5% 24.6% 7.5% -10.9% -17.1% -27.8% -39.9% -39.7% -41.8% -36.4% -25.3% -22.4% -58.0% -52.4% -39.3% -27.3% -27.30%
OCF Growth snapshot only 33.33%
Asset Growth snapshot only 8.66%
Equity Growth snapshot only 6.97%
Debt Growth snapshot only 0.83%
Shares Change snapshot only 6.00%
Dividend Growth snapshot only 6.16%
Growth (CAGR)
Metric Trend 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 -3.6% -4.7% -5.0% -5.0% -4.5% -2.2% 1.7% 5.7% 11.8% 16.1% 19.2% 22.1% 20.9% 20.0% 18.2% 16.0% 13.7% 11.4% 8.1% 4.7% 4.67%
Revenue 5Y 10.4% 7.7% 5.2% 3.2% 1.6% 2.0% 3.7% 5.4% 7.4% 8.7% 9.1% 9.1% 8.0% 7.1% 6.5% 5.9% 6.2% 7.2% 8.4% 9.9% 9.91%
EPS 3Y 1.3% 5.7% 4.6% 8.6% 9.5% 10.2% 10.5% 9.8% 10.7% 8.9% 7.1% -1.4% -10.9% -17.1% -21.4% -24.7% -43.2% -40.8% -37.0% -31.7% -31.74%
EPS 5Y 1.1% 12.4% 15.0% 14.5% 11.5% 8.8% 12.1% 7.5% 4.7% 1.1% -5.6% -7.0% -8.5% -9.2% -9.5% -8.8% -21.5% -18.1% -12.8% -12.9% -12.93%
Net Income 3Y -1.1% 3.6% 2.6% 7.0% 7.7% 8.2% 8.5% 8.4% 9.7% 8.0% 6.2% -2.3% -11.7% -17.5% -21.3% -24.6% -42.5% -39.5% -35.5% -30.2% -30.17%
Net Income 5Y 10.5% 13.6% 12.5% 11.9% 8.9% 6.1% 9.4% 4.9% 2.5% -0.5% -6.8% -7.8% -9.4% -10.0% -10.2% -9.3% -21.3% -17.4% -12.1% -12.3% -12.32%
EBITDA 3Y -8.3% -2.3% 2.5% 7.1% 8.1% 8.6% 9.4% 9.8% 11.0% 9.4% 7.7% -1.3% -10.7% -17.0% -21.5% -25.3% -41.3% -39.8% -34.4% -29.4% -29.44%
EBITDA 5Y 4.9% 8.4% 7.7% 7.4% 5.5% 3.0% 3.5% 0.6% -1.2% -3.5% -7.0% -8.0% -9.4% -10.1% -10.1% -9.1% -19.7% -16.9% -10.1% -11.0% -10.96%
Gross Profit 3Y -3.9% -1.0% 2.1% 4.6% 5.5% 6.1% 7.1% 8.0% 9.1% 8.4% 8.9% 5.5% 0.8% -2.6% -6.8% -9.1% -11.9% -10.9% -8.8% -6.7% -6.67%
Gross Profit 5Y 8.8% 8.4% 6.9% 5.8% 3.8% 3.0% 3.2% 2.2% 1.6% 0.8% 0.4% -0.1% -0.6% -1.1% -2.0% -1.4% -2.0% -0.4% 2.3% 2.1% 2.10%
Op. Income 3Y -9.3% -3.0% 2.5% 7.1% 8.1% 8.6% 9.4% 9.8% 11.0% 9.4% 7.7% -1.3% -10.7% -17.0% -21.5% -25.3% -41.3% -39.8% -35.2% -30.2% -30.19%
Op. Income 5Y 4.6% 8.0% 7.6% 7.3% 4.8% 2.3% 2.3% -0.5% -1.8% -3.9% -7.0% -8.0% -9.4% -10.1% -10.1% -9.1% -19.7% -16.9% -10.7% -11.5% -11.53%
FCF 3Y 0.4% 3.4% 14.2% 23.5% 30.4% 36.2% 39.0% 27.8% 29.7% 48.8% 42.0% 41.3% 9.3% -19.5% -30.4% -38.4% -32.0% -35.1% -32.4% -28.4% -28.45%
FCF 5Y 13.3% 33.0% 22.2% 19.4% 19.1% 15.6% 20.3% 16.7% 15.3% 16.2% 16.7% 12.1% 6.0% -5.6% -9.6% -10.1% -5.9% -3.7% -1.8% -1.7% -1.73%
OCF 3Y -1.2% 2.7% 13.8% 23.2% 30.1% 35.5% 38.2% 27.4% 29.5% 48.4% 41.9% 41.1% 9.8% -18.2% -28.9% -36.8% -30.8% -33.6% -30.3% -26.2% -26.24%
OCF 5Y 11.9% 28.9% 19.9% 18.0% 18.0% 14.7% 18.9% 15.4% 14.3% 15.9% 16.6% 12.2% 6.2% -5.0% -8.7% -9.1% -5.2% -2.7% -0.2% -0.1% -0.06%
Assets 3Y 6.4% 6.4% 5.3% 5.3% 5.3% 5.3% 6.9% 6.9% 6.9% 6.9% 3.8% 3.8% 3.8% 3.8% -1.6% -1.6% -1.6% -1.6% -1.1% -1.1% -1.11%
Assets 5Y 16.7% 16.7% 5.9% 5.9% 5.9% 5.9% 6.2% 6.2% 6.2% 6.2% 4.6% 4.6% 4.6% 4.6% 1.7% 1.7% 1.7% 1.7% 1.6% 1.6% 1.61%
Equity 3Y 2.1% 2.1% 3.2% 3.2% 3.2% 3.2% -0.3% -0.3% -0.3% -0.3% 1.1% 1.1% 1.1% 1.1% 0.7% 0.7% 0.7% 0.7% 4.2% 4.2% 4.18%
Book Value 3Y 4.5% 4.2% 5.2% 4.8% 4.9% 5.2% 1.6% 0.9% 0.6% 0.6% 1.9% 2.0% 2.0% 1.6% 0.6% 0.6% -0.5% -1.6% 1.8% 1.8% 1.84%
Dividend 3Y 1.8% 1.7% 1.7% 1.2% 1.0% 1.0% 1.1% 0.6% 0.5% 0.8% 0.9% 1.0% 1.1% 0.7% 0.1% 0.1% -0.5% -1.2% -0.8% -0.3% -0.28%
Growth Quality
Metric Trend 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 0.44 0.33 0.22 0.08 0.01 0.01 0.11 0.17 0.26 0.33 0.40 0.46 0.49 0.51 0.54 0.55 0.57 0.60 0.64 0.62 0.622
Earnings Stability 0.34 0.29 0.23 0.31 0.35 0.27 0.25 0.24 0.24 0.09 0.00 0.01 0.04 0.08 0.09 0.15 0.33 0.37 0.33 0.48 0.475
Margin Stability 0.89 0.88 0.85 0.85 0.85 0.86 0.86 0.84 0.83 0.80 0.77 0.75 0.74 0.72 0.70 0.68 0.67 0.70 0.74 0.77 0.771
Rev. Growth Consistency 0.00 0.00 0.00 0.50 0.50 0.50 0.50 1.00 1.00 1.00 1.00 1.00 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.500
Earn. Growth Consistency 0.50 0.50 0.50 0.50 1.00 1.00 1.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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 0.95 0.83 0.50 0.50 0.84 0.92 0.97 0.95 0.93 0.89 0.84 0.84 0.84 0.86 0.90 0.92 0.50 0.50 0.83 0.88 0.882
Earnings Smoothness 0.88 0.64 0.41 0.47 0.66 0.82 0.94 0.88 0.81 0.69 0.52 0.52 0.48 0.56 0.71 0.76 0.12 0.29 0.48 0.66 0.655
ROE Trend -0.00 0.01 0.03 0.04 0.03 0.03 0.03 0.01 -0.00 -0.02 -0.04 -0.04 -0.05 -0.04 -0.04 -0.03 -0.05 -0.04 -0.03 -0.02 -0.021
Gross Margin Trend 0.12 0.20 0.26 0.27 0.22 0.12 0.02 -0.14 -0.26 -0.35 -0.38 -0.37 -0.31 -0.24 -0.19 -0.12 -0.10 -0.05 0.01 0.03 0.035
FCF Margin Trend 0.06 0.20 0.28 0.47 0.39 0.34 0.24 -0.05 -0.09 -0.08 -0.15 -0.20 -0.31 -0.44 -0.41 -0.29 -0.19 -0.17 -0.11 -0.10 -0.102
Sustainable Growth Rate 4.3% 5.5% 6.6% 7.4% 7.3% 7.3% 7.4% 6.3% 5.6% 4.5% 3.2% 2.6% 1.9% 1.7% 1.5% 1.3% -1.3% -1.0% -0.6% -0.2% -0.22%
Internal Growth Rate 0.5% 0.7% 0.8% 0.9% 0.9% 0.9% 0.8% 0.7% 0.6% 0.5% 0.3% 0.3% 0.2% 0.2% 0.2% 0.2% — — — — —
Cash Flow Quality
Metric Trend 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 1.33 1.47 1.58 2.03 2.04 2.15 2.22 1.92 2.31 3.23 3.54 3.55 2.56 1.43 1.17 1.20 3.57 2.84 2.81 2.27 2.265
FCF/OCF 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.97 0.97 0.97 0.97 0.97 0.96 0.93 0.92 0.91 0.93 0.91 0.89 0.89 0.889
FCF/Net Income snapshot only 2.013
OCF/EBITDA snapshot only 1.618
CapEx/Revenue 0.7% 0.9% 1.2% 1.3% 1.4% 1.3% 1.2% 1.2% 1.3% 1.3% 1.2% 1.1% 0.9% 0.9% 1.0% 1.1% 1.1% 1.3% 1.8% 1.7% 1.72%
CapEx/Depreciation snapshot only 5.738
Accruals Ratio -0.00 -0.01 -0.01 -0.01 -0.01 -0.01 -0.01 -0.01 -0.01 -0.02 -0.02 -0.02 -0.01 -0.00 -0.00 -0.00 -0.01 -0.00 -0.01 -0.00 -0.005
Sloan Accruals snapshot only 0.723
Cash Flow Adequacy snapshot only 1.711
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend 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 4.9% 4.8% 4.7% 4.2% 4.9% 5.3% 5.1% 6.6% 7.6% 7.1% 5.1% 5.3% 5.6% 4.7% 4.8% 5.5% 5.3% 5.1% 5.0% 5.0% 4.52%
Dividend/Share $0.56 $0.56 $0.57 $0.56 $0.56 $0.56 $0.56 $0.56 $0.56 $0.56 $0.56 $0.56 $0.56 $0.56 $0.56 $0.56 $0.55 $0.54 $0.55 $0.56 $0.56
Payout Ratio 44.2% 38.1% 33.6% 30.8% 30.8% 30.8% 30.8% 34.1% 36.7% 42.2% 50.2% 55.8% 62.5% 66.2% 67.8% 71.3% 1.6% 1.4% 1.2% 1.1% 1.07%
FCF Payout Ratio 33.9% 26.5% 21.7% 15.4% 15.4% 14.6% 14.1% 18.2% 16.4% 13.4% 14.6% 16.2% 25.4% 49.5% 63.1% 65.4% 49.6% 55.6% 48.1% 53.2% 53.23%
Total Payout Ratio 44.2% 64.2% 58.0% 53.3% 53.5% 32.1% 30.8% 39.4% 42.4% 48.8% 58.1% 55.8% 62.5% 66.3% 67.8% 73.6% 1.7% 1.4% 1.2% 1.1% 1.14%
Div. Increase Streak 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 1 1
Chowder Number 0.03 0.04 0.04 0.03 0.03 0.03 0.03 0.05 0.06 0.07 0.05 0.06 0.06 0.05 0.05 0.06 0.07 0.08 0.10 0.11 0.112
Buyback Yield 0.0% 3.3% 3.4% 3.1% 3.6% 0.2% 0.0% 1.0% 1.2% 1.1% 0.8% 0.0% 0.0% 0.0% 0.0% 0.2% 0.2% 0.0% 0.0% 0.3% 0.32%
Net Buyback Yield 0.0% 3.3% 3.4% 3.1% 3.6% 0.2% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.2% 0.2% 0.0% 0.0% 0.3% 0.32%
Total Shareholder Return 4.9% 8.1% 8.1% 7.3% 8.4% 5.5% 5.1% 6.6% 7.6% 7.1% 5.1% 5.3% 5.6% 4.7% 4.8% 5.7% 5.4% 5.1% 5.0% 5.3% 5.31%
DuPont Factors
Metric Trend 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) 0.77 0.76 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.74 0.75 0.75 0.75 0.75 0.75 0.76 0.69 0.75 0.80 0.80 0.801
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 0.91 0.92 0.921
EBIT Margin 0.33 0.40 0.45 0.48 0.47 0.43 0.39 0.31 0.26 0.20 0.16 0.14 0.13 0.13 0.13 0.13 0.06 0.07 0.08 0.09 0.093
Asset Turnover 0.04 0.04 0.03 0.04 0.04 0.04 0.04 0.05 0.05 0.06 0.06 0.06 0.06 0.05 0.06 0.05 0.05 0.05 0.05 0.06 0.055
Equity Multiplier 8.01 8.01 8.44 8.44 8.44 8.44 9.01 9.01 9.01 9.01 9.25 9.25 9.25 9.25 8.50 8.50 8.50 8.50 8.06 8.06 8.055
Per Share
Metric Trend 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) $1.26 $1.47 $1.69 $1.83 $1.82 $1.82 $1.82 $1.64 $1.52 $1.32 $1.11 $1.00 $0.89 $0.84 $0.82 $0.78 $0.33 $0.38 $0.45 $0.52 $0.52
Book Value/Share $16.52 $16.71 $17.29 $17.28 $17.34 $17.44 $16.81 $16.79 $16.81 $16.78 $17.57 $17.53 $17.54 $17.51 $17.58 $17.58 $17.10 $16.60 $17.73 $17.74 $17.74
Tangible Book/Share $12.71 $12.85 $13.39 $13.39 $13.43 $13.51 $12.90 $12.88 $12.90 $12.87 $13.69 $13.66 $13.67 $13.64 $13.74 $13.73 $13.36 $12.97 $13.65 $13.65 $13.65
Revenue/Share $4.89 $4.88 $5.00 $5.11 $5.29 $5.74 $6.38 $7.12 $8.07 $8.73 $9.06 $9.21 $8.88 $8.56 $8.24 $7.95 $7.51 $7.39 $7.52 $7.63 $7.63
FCF/Share $1.64 $2.12 $2.62 $3.65 $3.64 $3.83 $3.97 $3.06 $3.41 $4.15 $3.81 $3.43 $2.19 $1.12 $0.88 $0.85 $1.11 $0.98 $1.14 $1.05 $1.05
OCF/Share $1.67 $2.17 $2.68 $3.71 $3.72 $3.90 $4.04 $3.14 $3.51 $4.27 $3.92 $3.53 $2.28 $1.20 $0.96 $0.94 $1.19 $1.07 $1.28 $1.18 $1.18
Cash/Share $21.43 $21.68 $24.75 $24.74 $24.82 $24.96 $20.65 $20.62 $20.64 $20.60 $33.74 $33.66 $33.69 $33.63 $3.77 $3.77 $3.67 $3.56 $20.45 $20.45 $4.62
EBITDA/Share $1.63 $1.94 $2.27 $2.47 $2.48 $2.47 $2.46 $2.22 $2.06 $1.78 $1.47 $1.33 $1.19 $1.12 $1.10 $1.03 $0.48 $0.50 $0.65 $0.73 $0.73
Debt/Share $4.91 $4.97 $5.61 $5.61 $5.62 $5.66 $10.39 $10.38 $10.39 $10.37 $16.20 $16.17 $16.18 $16.15 $3.23 $3.23 $3.14 $3.05 $3.07 $3.08 $3.08
Net Debt/Share $-16.52 $-16.71 $-19.14 $-19.13 $-19.19 $-19.30 $-10.26 $-10.24 $-10.25 $-10.23 $-17.53 $-17.50 $-17.51 $-17.48 $-0.54 $-0.54 $-0.53 $-0.51 $-17.37 $-17.38 $-17.38
Academic Models
Metric Trend 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 — — — — — — — — — — — — — — — — — — — — 2.650
Altman Z-Prime snapshot only -0.040
Piotroski F-Score 6 7 8 8 8 8 7 6 6 5 5 5 5 5 3 4 3 4 6 6 6
Beneish M-Score -1.77 -1.76 -2.91 -2.84 -2.71 -2.50 -1.89 -1.69 -1.60 -1.78 -2.30 -2.32 -2.39 -2.40 -2.53 -2.64 -2.50 -2.51 -3.53 -3.49 -3.485
Ohlson O-Score snapshot only -5.405
Net-Net WC snapshot only $-105.37
EVA snapshot only $68112196.06
Credit
Metric Trend 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 67.39 72.27 70.77 80.04 80.31 80.15 74.59 59.41 69.74 62.13 52.16 52.82 50.69 46.21 49.87 49.81 54.85 53.25 60.08 60.87 60.872
Credit Grade snapshot only 8
Credit Trend snapshot only 11.061
Implied Spread (bps) snapshot only 225.000
Industry Credit Rank snapshot only 46
Sector Credit Rank snapshot only 49

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