$91.21

-0.09 (-0.10%)

Weekly Expected Move ±4.1%

$80 $83 $87 $91 $94

NYSE · Financial Services · Banks - Regional · Alpha Radar Buy · Power 70 · $954.0M mcap · 11M float · 1.64% daily turnover · Short 47% of daily vol

Edge Score

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

NARROW EDGE

56.2 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 37.0% · 5Y Avg: 97.2%

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. MCB has a Narrow competitive edge (56.2/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. ROIC of 37.0% 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

Low

$97

Avg Target

$97

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$97.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-16	UBS	Timur Braziler	Initiated	$97	—	+9.8%	$88.36
2023-01-11	J.P. Morgan	—	$67	$66	-1	+12.1%	$58.86
2022-12-13	J.P. Morgan	—	$95	$67	-28	+17.5%	$57.02
2022-07-01	J.P. Morgan	—	Initiated	$95	—	+38.3%	$68.68

Financial Rating

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

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

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

Rating Change History

Date	From	To
2026-04-27	A-	B+
2026-04-23	B+	A-
2026-04-16	A-	B+
2026-04-01	B+	A-
2026-03-30	A-	B+
2026-03-10	B+	A-
2026-03-09	A-	B+
2026-03-09	B+	A-
2026-03-05	B	B+
2026-02-24	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.

★ ★ ★ ★ ★ 66 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. MCB scores highest in Earnings Quality (99/100) and lowest in Safety (50/100). An overall grade of A+ places MCB 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

2.15

Grey Zone

Piotroski F-Score

9/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓

Beneish M-Score

-2.32

Unlikely Manipulator

Ohlson O-Score

-5.35

Bankruptcy prob: 0.5%

Low Risk

Credit Rating

Score: 71.7/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.58x

Accruals: -0.6%

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. MCB scores 2.15, 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. MCB scores 9/9, 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. MCB's score of -2.32 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. MCB's implied 0.5% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. MCB receives an estimated rating of A (score: 71.7/100), 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). MCB'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

11.30x

PEG

0.30x

P/S

1.76x

P/B

1.03x

P/FCF

6.93x

P/OCF

6.59x

EV/EBITDA

3.29x

EV/Revenue

0.71x

EV/EBIT

3.15x

EV/FCF

2.99x

Earnings Yield

9.62%

FCF Yield

14.42%

Shareholder Yield

8.47%

Graham Number

$111.59

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 11.3x earnings, MCB trades at a reasonable valuation. An earnings yield of 9.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $111.59 per share, suggesting a potential 22% 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

0.703

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.226

EBIT / Rev

Asset Turnover

0.070

Rev / Assets

Equity Multiplier

10.562

Assets / Equity

ROE

11.7%

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. MCB's ROE of 11.7% is driven by financial leverage (equity multiplier: 10.56x). 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

10.82%

Fair P/E

30.15x

Intrinsic Value

$241.50

Price/Value

0.34x

Margin of Safety

65.51%

Premium

-65.51%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with MCB's realized 10.8% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $241.50, MCB appears undervalued with a 66% margin of safety. The adjusted fair P/E of 30.1x compares to the current market P/E of 11.3x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$91.36

Median 1Y

$87.09

5th Pctile

$32.33

95th Pctile

$234.74

Ann. Volatility

61.2%

Analyst Target

$97.00

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
Mark R. DeFazio President and CEO	$1,000,000	$2,549,972	$4,784,685
Scott Lublin EVP and Chief Lending Officer	$531,434	$1,383,201	$2,096,639
Daniel Dougherty EVP and Chief Financial Officer	$500,000	$356,236	$1,038,596
Nick Rosenberg EVP and Head of Global Payments	$450,935	$325,193	$919,417
Laura Capra EVP and Head of Retail Banking	$427,867	$317,023	$902,063

CEO Pay Ratio

17:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $4,784,685

Avg Employee Cost (SGA/emp): $289,420

Employees: 326

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

326

+12.0% YoY

Revenue / Employee

$1,617,021

Rev: $527,149,000

Profit / Employee

$218,092

NI: $71,098,000

SGA / Employee

$289,420

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	15.0%	16.7%	13.5%	15.0%	17.2%	19.1%	10.5%	11.5%	10.2%	9.7%	12.5%	11.1%	11.3%	9.7%	9.6%	9.6%	9.9%	9.2%	9.7%	11.7%	11.70%
ROA	1.2%	1.4%	1.1%	1.2%	1.3%	1.5%	0.9%	1.0%	0.9%	0.8%	1.2%	1.0%	1.0%	0.9%	0.9%	0.9%	1.0%	0.9%	0.9%	1.1%	1.11%
ROIC	-6.6%	-7.3%	-2.6%	-2.9%	-3.3%	-3.7%	10.3%	11.4%	10.0%	9.5%	8.3%	7.3%	7.4%	6.4%	7.2%	7.3%	7.5%	6.9%	30.5%	37.0%	36.98%
ROCE	16.1%	17.9%	13.9%	15.2%	17.4%	19.2%	9.8%	10.6%	9.7%	8.9%	8.0%	7.3%	7.2%	6.4%	7.4%	7.3%	7.5%	7.0%	1.2%	1.5%	1.49%
Gross Margin	87.4%	90.7%	91.5%	86.7%	90.5%	88.5%	78.2%	71.9%	59.2%	56.8%	51.0%	55.5%	54.3%	54.3%	55.9%	54.0%	53.9%	41.6%	60.9%	66.0%	66.02%
Operating Margin	41.4%	47.6%	49.9%	44.6%	50.8%	47.4%	1.5%	37.5%	25.7%	27.2%	17.8%	20.3%	19.6%	13.9%	25.2%	19.1%	20.7%	7.6%	29.3%	32.3%	32.28%
Net Margin	28.3%	31.9%	33.6%	32.5%	35.0%	32.8%	-8.9%	27.8%	16.1%	21.1%	13.0%	13.6%	13.8%	9.7%	17.2%	13.4%	14.5%	5.3%	20.5%	22.9%	22.85%
EBITDA Margin	43.8%	49.4%	53.0%	46.6%	52.5%	50.8%	0.8%	38.9%	28.5%	27.9%	18.5%	17.7%	17.5%	11.3%	25.2%	17.9%	20.7%	3.6%	29.3%	32.3%	32.28%
FCF Margin	25.6%	29.6%	16.9%	29.7%	22.8%	26.5%	23.2%	23.7%	26.7%	21.2%	9.1%	5.4%	11.4%	6.7%	29.6%	25.5%	21.8%	26.8%	15.6%	23.8%	23.83%
OCF Margin	25.7%	29.0%	18.9%	32.1%	25.9%	35.0%	29.9%	29.5%	31.6%	22.4%	10.5%	6.6%	12.5%	7.1%	30.2%	26.5%	22.7%	27.7%	16.8%	25.1%	25.07%
ROE 3Y Avg	snapshot only																				10.38%
ROE 5Y Avg	snapshot only																				10.92%
ROA 3Y Avg	snapshot only																				0.98%
ROIC 3Y Avg	snapshot only																				27.32%
ROIC Economic	snapshot only																				10.60%
Cash ROA	snapshot only																				1.65%
Cash ROIC	snapshot only																				58.34%
CROIC	snapshot only																				55.45%
NOPAT Margin	snapshot only																				15.89%
Pretax Margin	snapshot only																				22.60%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				12.94%
SBC / Revenue	snapshot only																				1.91%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	10.68	13.98	19.43	16.87	10.02	8.34	11.02	5.73	6.75	7.32	8.11	6.24	6.74	9.90	9.93	9.41	10.82	12.42	11.19	10.40	11.299
P/S Ratio	3.02	4.12	5.97	5.35	3.34	2.79	2.27	1.17	1.11	1.06	1.55	0.99	1.03	1.23	1.35	1.27	1.48	1.55	1.51	1.65	1.759
P/B Ratio	1.50	2.19	2.11	2.04	1.39	1.29	1.13	0.65	0.68	0.70	0.95	0.65	0.71	0.90	0.91	0.86	1.02	1.08	1.07	1.21	1.027
P/FCF	11.81	13.91	35.33	18.01	14.65	10.53	9.80	4.95	4.17	5.01	17.09	18.15	8.98	18.53	4.54	4.97	6.79	5.78	9.65	6.93	6.934
P/OCF	11.73	14.20	31.54	16.66	12.89	7.97	7.61	3.98	3.53	4.75	14.77	15.03	8.24	17.27	4.46	4.79	6.51	5.59	8.97	6.59	6.590
EV/EBITDA	-7.58	-4.01	-17.89	-16.84	-17.92	-16.52	6.46	3.44	3.83	4.35	8.03	7.14	8.09	11.23	9.68	9.22	9.91	11.56	3.01	3.29	3.293
EV/Revenue	-3.28	-1.78	-8.59	-8.14	-9.05	-8.39	2.27	1.18	1.12	1.06	2.24	1.63	1.63	1.81	1.73	1.65	1.86	1.92	0.54	0.71	0.711
EV/EBIT	-7.90	-4.09	-18.90	-17.69	-18.72	-17.41	6.75	3.58	4.07	4.56	8.46	7.24	7.75	10.17	8.78	8.52	9.43	10.70	2.81	3.15	3.149
EV/FCF	-12.83	-6.00	-50.87	-27.41	-39.69	-31.65	9.81	4.96	4.18	5.02	24.64	29.94	14.28	27.19	5.85	6.47	8.53	7.17	3.46	2.99	2.986
Earnings Yield	9.4%	7.2%	5.1%	5.9%	10.0%	12.0%	9.1%	17.4%	14.8%	13.7%	12.3%	16.0%	14.8%	10.1%	10.1%	10.6%	9.2%	8.1%	8.9%	9.6%	9.62%
FCF Yield	8.5%	7.2%	2.8%	5.6%	6.8%	9.5%	10.2%	20.2%	24.0%	19.9%	5.9%	5.5%	11.1%	5.4%	22.0%	20.1%	14.7%	17.3%	10.4%	14.4%	14.42%
PEG Ratio	snapshot only																				0.298
Price/Tangible Book	snapshot only																				1.206
EV/OCF	snapshot only																				2.838
EV/Gross Profit	snapshot only																				1.277
Acquirers Multiple	snapshot only																				3.149
Shareholder Yield	snapshot only																				8.47%
Graham Number	snapshot only																				$111.59

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	0.31	0.31	0.46	0.46	0.46	0.46	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.04	0.04	0.04	0.04	109.88	109.88	109.875
Quick Ratio	0.31	0.31	0.46	0.46	0.46	0.46	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.04	0.04	0.04	0.04	109.88	109.88	109.875
Debt/Equity	0.18	0.18	0.10	0.10	0.10	0.10	0.45	0.45	0.45	0.45	0.83	0.83	0.83	0.83	0.63	0.63	0.63	0.63	0.11	0.11	0.109
Net Debt/Equity	-3.14	-3.14	-5.15	-5.15	-5.15	-5.15	0.00	0.00	0.00	0.00	0.42	0.42	0.42	0.42	0.26	0.26	0.26	0.26	-0.69	-0.69	-0.686
Debt/Assets	0.01	0.01	0.01	0.01	0.01	0.01	0.04	0.04	0.04	0.04	0.08	0.08	0.08	0.08	0.06	0.06	0.06	0.06	0.01	0.01	0.010
Debt/EBITDA	0.84	0.77	0.60	0.56	0.49	0.44	2.55	2.36	2.53	2.78	4.86	5.54	5.92	7.06	5.20	5.15	4.85	5.39	0.85	0.69	0.691
Net Debt/EBITDA	-14.56	-13.28	-30.32	-27.90	-24.54	-22.02	0.00	0.00	0.00	0.00	2.46	2.81	3.00	3.58	2.16	2.14	2.02	2.24	-5.39	-4.35	-4.353
Interest Coverage	4.77	5.12	5.50	5.78	6.70	6.43	3.07	2.01	1.15	0.73	0.70	0.54	0.48	0.41	0.45	0.45	0.46	0.43	0.48	0.59	0.586
Equity Multiplier	12.71	12.71	12.78	12.78	12.78	12.78	10.88	10.88	10.88	10.88	10.72	10.72	10.72	10.72	10.00	10.00	10.00	10.00	11.11	11.11	11.110
Cash Ratio	snapshot only																				109.875
Debt Service Coverage	snapshot only																				0.560
Cash to Debt	snapshot only																				7.303
FCF to Debt	snapshot only																				1.596
Defensive Interval	snapshot only																				1200.6 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.04	0.05	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.070
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	15.35	16.38	7.42	8.01	8.72	9.66	4.58	5.09	5.58	6.03	4.66	4.99	5.28	5.54	11.23	11.30	11.48	11.66	—	—	—
Payables Turnover	0.47	0.47	0.40	0.47	0.47	0.55	2.24	3.19	4.98	6.94	—	—	—	—	—	—	—	—	—	—	—
DSO	24	22	49	46	42	38	80	72	65	61	78	73	69	66	32	32	32	31	0	0	0.0 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	774	776	904	783	773	660	163	114	73	53	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	-751	-754	-854	-737	-731	-622	-83	-43	-8	8	78	73	69	66	32	32	32	31	0	0	—
Fixed Asset Turnover	snapshot only																				6.507
Cash Velocity	snapshot only																				0.917
Capital Intensity	snapshot only																				15.225

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	7.6%	13.7%	23.0%	31.0%	36.5%	41.7%	45.9%	50.1%	51.0%	47.5%	40.4%	35.5%	30.8%	26.8%	22.0%	14.5%	10.0%	6.5%	7.1%	9.5%	9.48%
Net Income	47.8%	50.2%	53.3%	48.4%	61.0%	60.9%	-2.0%	-3.1%	-25.2%	-36.0%	30.4%	4.7%	20.5%	8.9%	-13.7%	-2.3%	-1.2%	6.4%	6.6%	28.9%	28.92%
EPS	44.2%	41.7%	16.4%	11.3%	22.9%	28.0%	-2.9%	-2.0%	-25.8%	-35.8%	28.3%	4.4%	21.3%	7.2%	-13.9%	-3.6%	3.7%	13.7%	16.5%	35.2%	35.21%
FCF	-10.8%	44.3%	-60.1%	-3.5%	21.7%	26.7%	1.0%	19.8%	77.0%	18.0%	-45.0%	-68.9%	-44.1%	-60.2%	3.0%	4.4%	1.1%	3.3%	-43.5%	2.1%	2.12%
EBITDA	46.1%	42.6%	56.5%	48.4%	59.2%	61.9%	7.0%	6.1%	-12.8%	-28.9%	11.2%	-9.6%	-9.5%	-16.4%	-21.8%	-9.9%	2.2%	9.6%	7.5%	31.8%	31.84%
Op. Income	48.1%	50.8%	54.6%	46.8%	58.9%	57.0%	8.2%	7.0%	-14.3%	-28.6%	10.3%	-7.0%	0.5%	-3.1%	-9.2%	-1.2%	2.8%	7.1%	4.6%	27.4%	27.43%
OCF Growth	snapshot only																				3.59%
Asset Growth	snapshot only																				13.08%
Equity Growth	snapshot only																				1.82%
Debt Growth	snapshot only																				-82.31%
Shares Change	snapshot only																				-4.65%

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	33.9%	24.2%	27.0%	28.0%	27.3%	26.5%	27.0%	28.2%	30.4%	33.5%	36.1%	38.6%	39.2%	38.4%	35.7%	32.5%	29.5%	25.8%	22.4%	19.3%	19.32%
Revenue 5Y	—	—	—	—	—	—	64.2%	46.0%	37.7%	31.9%	33.2%	33.6%	32.4%	30.5%	28.5%	26.7%	26.1%	26.3%	26.9%	27.3%	27.27%
EPS 3Y	44.3%	30.1%	20.6%	21.4%	27.1%	31.0%	13.7%	21.4%	9.6%	5.2%	13.2%	4.4%	3.5%	-4.1%	2.4%	-0.5%	-2.3%	-7.9%	8.8%	10.8%	10.82%
EPS 5Y	—	—	—	—	—	—	60.9%	38.3%	22.4%	12.6%	16.9%	12.9%	13.1%	9.1%	10.2%	12.5%	10.6%	7.3%	7.8%	8.2%	8.22%
Net Income 3Y	45.8%	33.2%	33.3%	34.4%	40.3%	44.4%	25.3%	33.1%	21.2%	15.6%	25.1%	14.6%	13.2%	3.9%	3.3%	-0.3%	-3.8%	-9.5%	6.3%	9.7%	9.66%
Net Income 5Y	—	—	—	—	—	—	77.9%	46.7%	30.1%	19.5%	24.8%	19.7%	20.0%	15.9%	17.2%	19.3%	16.2%	12.4%	12.5%	13.7%	13.66%
EBITDA 3Y	39.1%	28.2%	35.4%	35.4%	40.8%	44.8%	30.4%	36.3%	26.6%	18.0%	23.0%	12.5%	7.9%	-1.3%	-2.4%	-4.7%	-6.9%	-13.3%	-2.2%	2.4%	2.40%
EBITDA 5Y	—	—	—	—	—	—	62.9%	42.9%	30.2%	19.4%	24.2%	18.9%	17.1%	12.5%	14.0%	15.6%	13.4%	8.5%	9.4%	11.1%	11.09%
Gross Profit 3Y	37.5%	27.1%	30.1%	30.7%	32.3%	33.8%	33.2%	34.2%	29.7%	25.6%	21.7%	19.1%	18.6%	17.2%	15.2%	12.6%	9.6%	4.5%	4.2%	5.2%	5.17%
Gross Profit 5Y	—	—	—	—	—	—	68.2%	46.4%	35.0%	26.1%	24.3%	23.1%	22.6%	21.9%	21.1%	20.3%	18.4%	15.7%	15.9%	16.3%	16.31%
Op. Income 3Y	39.1%	29.1%	34.5%	34.8%	40.4%	44.2%	30.0%	37.0%	26.3%	19.1%	22.7%	13.5%	11.0%	2.8%	2.7%	-0.6%	-4.0%	-9.5%	1.6%	5.4%	5.39%
Op. Income 5Y	—	—	—	—	—	—	62.5%	42.8%	29.7%	19.3%	23.8%	19.5%	19.0%	15.7%	17.1%	18.7%	15.8%	11.9%	11.9%	12.9%	12.95%
FCF 3Y	28.0%	5.2%	9.9%	26.1%	15.6%	28.0%	25.0%	35.9%	24.3%	29.2%	-23.9%	-28.9%	6.4%	-15.9%	63.6%	26.1%	27.5%	26.3%	7.3%	19.5%	19.51%
FCF 5Y	—	—	—	—	—	—	57.7%	28.7%	35.2%	11.7%	7.9%	-5.7%	8.9%	-0.3%	33.7%	33.2%	17.6%	29.8%	-0.2%	14.6%	14.57%
OCF 3Y	24.6%	2.9%	11.3%	27.7%	19.3%	34.8%	28.0%	32.2%	23.1%	21.7%	-21.4%	-24.6%	9.3%	-13.3%	58.5%	24.3%	24.0%	16.3%	1.1%	13.1%	13.07%
OCF 5Y	—	—	—	—	—	—	63.4%	32.9%	37.4%	11.9%	9.4%	-2.8%	10.1%	-1.3%	29.4%	26.4%	14.0%	24.7%	0.3%	15.4%	15.43%
Assets 3Y	35.0%	35.0%	48.3%	48.3%	48.3%	48.3%	23.1%	23.1%	23.1%	23.1%	17.7%	17.7%	17.7%	17.7%	0.9%	0.9%	0.9%	0.9%	9.6%	9.6%	9.62%
Assets 5Y	—	—	—	—	—	—	28.9%	28.9%	28.9%	28.9%	26.5%	26.5%	26.5%	26.5%	16.8%	16.8%	16.8%	16.8%	13.8%	13.8%	13.77%
Equity 3Y	12.9%	12.9%	28.2%	28.2%	28.2%	28.2%	24.4%	24.4%	24.4%	24.4%	24.6%	24.6%	24.6%	24.6%	9.4%	9.4%	9.4%	9.4%	8.9%	8.9%	8.87%
Book Value 3Y	11.7%	10.3%	16.0%	15.8%	16.2%	16.3%	12.9%	13.4%	12.5%	13.2%	12.7%	13.5%	13.8%	15.0%	8.4%	9.2%	11.2%	11.4%	11.5%	10.0%	10.03%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.95	0.99	0.98	0.95	0.94	0.93	0.96	0.93	0.91	0.88	0.90	0.91	0.91	0.91	0.93	0.94	0.95	0.97	0.98	0.99	0.985
Earnings Stability	0.96	0.92	0.95	0.93	0.91	0.88	0.94	0.93	0.80	0.66	0.95	0.86	0.72	0.43	0.81	0.70	0.54	0.18	0.63	0.72	0.717
Margin Stability	0.93	0.93	0.92	0.90	0.92	0.92	0.92	0.91	0.91	0.88	0.85	0.83	0.81	0.80	0.79	0.78	0.78	0.76	0.76	0.76	0.759
Rev. Growth Consistency	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
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	0.00	1.00	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.81	0.50	0.50	0.81	0.50	0.50	0.99	0.99	0.90	0.86	0.88	0.98	0.92	0.96	0.95	0.99	1.00	0.97	0.97	0.88	0.884
Earnings Smoothness	0.61	0.60	0.58	0.61	0.53	0.53	0.98	0.97	0.71	0.56	0.74	0.95	0.81	0.92	0.85	0.98	0.99	0.94	0.94	0.75	0.747
ROE Trend	0.03	0.04	0.00	0.01	0.01	0.02	-0.01	-0.01	-0.04	-0.06	0.01	-0.01	-0.01	-0.03	-0.02	-0.02	-0.01	-0.01	-0.01	0.02	0.018
Gross Margin Trend	0.11	0.11	0.11	0.10	0.09	0.05	-0.01	-0.07	-0.15	-0.23	-0.29	-0.30	-0.27	-0.24	-0.17	-0.14	-0.09	-0.09	-0.04	0.01	0.007
FCF Margin Trend	-0.05	0.05	-0.21	-0.00	-0.05	-0.00	-0.11	-0.11	0.03	-0.07	-0.11	-0.21	-0.13	-0.17	0.13	0.11	0.03	0.13	-0.04	0.08	0.083
Sustainable Growth Rate	15.0%	16.7%	13.5%	15.0%	17.2%	19.1%	10.5%	11.5%	10.2%	9.7%	12.5%	11.1%	11.3%	9.7%	9.6%	9.6%	9.9%	8.9%	9.2%	11.0%	11.00%
Internal Growth Rate	1.3%	1.4%	1.1%	1.2%	1.4%	1.5%	0.9%	1.0%	0.9%	0.8%	1.2%	1.0%	1.1%	0.9%	0.9%	0.9%	1.0%	0.9%	0.9%	1.1%	1.05%

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	0.91	0.98	0.62	1.01	0.78	1.05	1.45	1.44	1.91	1.54	0.55	0.42	0.82	0.57	2.23	1.96	1.66	2.22	1.25	1.58	1.578
FCF/OCF	0.99	1.02	0.89	0.93	0.88	0.76	0.78	0.80	0.84	0.95	0.86	0.83	0.92	0.93	0.98	0.96	0.96	0.97	0.93	0.95	0.950
FCF/Net Income	snapshot only																				1.499
OCF/EBITDA	snapshot only																				1.160
CapEx/Revenue	0.2%	0.6%	2.0%	2.4%	3.1%	8.5%	6.7%	5.7%	4.9%	1.2%	1.4%	1.1%	1.0%	0.5%	0.5%	1.0%	1.0%	0.9%	1.2%	1.2%	1.24%
Accruals Ratio	0.00	0.00	0.00	-0.00	0.00	-0.00	-0.00	-0.00	-0.01	-0.00	0.01	0.01	0.00	0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.01	-0.006
Sloan Accruals	snapshot only																				0.811
Cash Flow Adequacy	snapshot only																				11.447
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	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.2%	0.4%	0.6%	0.82%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.15	$0.30	$0.48	$0.75
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	2.5%	4.4%	6.0%	5.96%
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	1.1%	3.8%	4.0%	3.98%
Total Payout Ratio	5.3%	4.7%	5.6%	3.7%	3.0%	2.7%	2.6%	2.6%	2.9%	6.4%	4.1%	9.2%	9.1%	7.5%	6.9%	24.3%	78.7%	91.8%	1.1%	88.1%	88.07%
Div. Increase Streak	—	—	—	0	0	0	0	—	—	—	—	—	—	—	—	—	—	0	0	0	0
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.5%	0.3%	0.3%	0.2%	0.3%	0.3%	0.2%	0.5%	0.4%	0.9%	0.5%	1.5%	1.3%	0.8%	0.7%	2.6%	7.3%	7.2%	9.7%	7.9%	7.90%
Net Buyback Yield	0.5%	-21.5%	-13.5%	-14.1%	-20.7%	0.3%	0.2%	0.5%	0.4%	0.9%	0.5%	1.5%	1.3%	0.8%	0.7%	2.6%	7.3%	7.2%	9.7%	-12.9%	-12.92%
Total Shareholder Return	0.5%	-21.5%	-13.5%	-14.1%	-20.7%	0.3%	0.2%	0.5%	0.4%	0.9%	0.5%	1.5%	1.3%	0.8%	0.7%	2.6%	7.3%	7.4%	10.1%	-12.3%	-12.35%

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)	0.68	0.68	0.68	0.69	0.69	0.69	0.61	0.62	0.60	0.62	0.72	0.70	0.72	0.70	0.69	0.70	0.69	0.69	0.70	0.70	0.703
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	0.42	0.44	0.45	0.46	0.48	0.48	0.34	0.33	0.27	0.23	0.26	0.23	0.21	0.18	0.20	0.19	0.20	0.18	0.19	0.23	0.226
Asset Turnover	0.04	0.05	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.070
Equity Multiplier	12.01	12.01	12.75	12.75	12.75	12.75	11.81	11.81	11.81	11.81	10.80	10.80	10.80	10.80	10.35	10.35	10.35	10.35	10.56	10.56	10.562

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)	$5.61	$6.00	$5.46	$6.01	$6.90	$7.69	$5.30	$5.89	$5.12	$4.93	$6.80	$6.14	$6.22	$5.29	$5.86	$5.92	$6.44	$6.01	$6.82	$8.01	$8.01
Book Value/Share	$39.89	$38.32	$50.25	$49.63	$49.78	$49.83	$51.49	$51.87	$51.06	$51.71	$57.98	$59.20	$58.84	$58.25	$64.09	$64.70	$68.36	$68.93	$71.33	$69.09	$88.84
Tangible Book/Share	$38.75	$37.23	$49.37	$48.76	$48.91	$48.96	$51.49	$51.87	$51.06	$51.71	$57.98	$59.20	$58.84	$58.25	$64.09	$64.70	$68.36	$68.93	$71.33	$69.09	$69.09
Revenue/Share	$19.87	$20.36	$17.77	$18.95	$20.70	$22.96	$25.69	$28.75	$31.02	$33.98	$35.48	$38.84	$40.85	$42.41	$43.22	$43.90	$47.12	$48.25	$50.60	$50.41	$50.80
FCF/Share	$5.08	$6.04	$3.00	$5.63	$4.72	$6.08	$5.96	$6.82	$8.28	$7.20	$3.23	$2.11	$4.67	$2.83	$12.81	$11.22	$10.26	$12.93	$7.91	$12.01	$12.10
OCF/Share	$5.11	$5.91	$3.36	$6.08	$5.36	$8.04	$7.68	$8.47	$9.81	$7.60	$3.73	$2.55	$5.09	$3.03	$13.04	$11.63	$10.71	$13.35	$8.51	$12.64	$12.74
Cash/Share	$132.31	$127.11	$263.98	$260.71	$261.48	$261.79	$23.02	$23.18	$22.82	$23.11	$23.71	$24.20	$24.06	$23.82	$23.46	$23.68	$25.02	$25.23	$56.73	$54.95	$1.13
EBITDA/Share	$8.59	$9.05	$8.54	$9.16	$10.45	$11.66	$9.05	$9.83	$9.04	$8.32	$9.90	$8.86	$8.24	$6.84	$7.73	$7.88	$8.83	$8.01	$9.09	$10.89	$10.89
Debt/Share	$7.21	$6.93	$5.16	$5.09	$5.11	$5.12	$23.04	$23.21	$22.85	$23.14	$48.09	$49.10	$48.80	$48.31	$40.17	$40.55	$42.84	$43.21	$7.77	$7.52	$7.52
Net Debt/Share	$-125.10	$-120.18	$-258.82	$-255.62	$-256.37	$-256.67	$0.03	$0.03	$0.03	$0.03	$24.38	$24.89	$24.74	$24.50	$16.71	$16.87	$17.82	$17.97	$-48.96	$-47.42	$-47.42

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.146
Altman Z-Prime	snapshot only																				0.868
Piotroski F-Score	6	6	6	6	7	7	5	6	4	5	5	4	6	5	6	5	6	7	9	9	9
Beneish M-Score	-1.66	-1.69	-2.34	-2.34	-2.34	-2.29	-1.38	-1.31	-1.15	-1.13	-2.03	-2.16	-2.32	-2.35	-3.38	-3.40	-3.33	-3.21	-2.38	-2.32	-2.323
Ohlson O-Score	snapshot only																				-5.351
ROIC (Greenblatt)	snapshot only																				18.32%
Net-Net WC	snapshot only																				$-643.49
EVA	snapshot only																				$62866400.00

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																				A
Credit Score	77.80	79.02	85.47	87.61	88.83	90.19	53.31	45.97	59.07	55.73	53.38	50.90	52.46	47.42	64.44	52.01	50.77	50.05	68.27	71.70	71.696
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				19.686
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				65
Sector Credit Rank	snapshot only																				62

MCB 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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