$15.12

-0.01 (-0.07%)

Weekly Expected Move ±3.1%

$14 $15 $15 $16 $16

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 57 · $3.3B mcap · 39M float · 1.47% daily turnover · Short 64% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

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

55.9 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: -15.8%

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. MCHB has a Narrow competitive edge (55.9/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Switching Costs. Negative ROIC of -15.8% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

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

Analyst Price Targets

Low

$17

Avg Target

$17

High

Based on 3 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 4Hold: 7Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$17.00

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-28	Raymond James	—	Initiated	$17	—	+17.2%	$14.51
2026-05-28	Stifel Nicolaus	—	Initiated	$17	—	+17.2%	$14.51
2026-04-10	Cantor Fitzgerald	Dave Rochester	Initiated	$17	—	+11.7%	$15.22

Financial Rating

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

A-

Oct 27, 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. MCHB receives an overall rating of A-. Strongest factors: DCF (5/5), ROA (4/5), D/E (4/5). Areas of concern: P/B (2/5).

Rating Change History

Date	From	To
2026-10-22	A	A-
2026-10-12	A-	A
2026-10-01	B+	A-
2026-07-30	A-	B+
2026-07-01	B+	A-
2026-05-04	B	B+
2026-04-30	B+	B
2026-04-14	A-	B+
2026-04-06	A	A-
2026-04-01	A-	A

InsiderStreet Scorecard

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

★ ★ ★ ★ ★ 65 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. MCHB scores highest in Momentum (93/100) and lowest in Balance Sheet (64/100). An overall grade of A places MCHB 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

3.27

Safe Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✓ ✗

Beneish M-Score

-1.66

Possible Manipulator

Ohlson O-Score

-7.19

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

AA+

Score: 92.4/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.02x

Accruals: -0.0%

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. MCHB scores 3.27, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. 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. MCHB 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. MCHB's score of -1.66 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. 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. MCHB's implied 0.1% 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. MCHB receives an estimated rating of AA+ (score: 92.4/100), 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). MCHB'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

12.10x

PEG

0.11x

P/S

3.14x

P/B

1.31x

P/FCF

13.35x

P/OCF

12.93x

EV/EBITDA

-1.80x

EV/Revenue

-0.77x

EV/EBIT

-1.92x

EV/FCF

-2.77x

Earnings Yield

7.61%

FCF Yield

7.49%

Shareholder Yield

8.20%

Graham Number

$17.75

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 12.1x earnings, MCHB trades at a reasonable valuation. An earnings yield of 7.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $17.75 per share, suggesting a potential 17% 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

0.827

NI / EBT

Interest Burden

0.848

EBT / EBIT

EBIT Margin

0.400

EBIT / Rev

Asset Turnover

0.070

Rev / Assets

Equity Multiplier

9.325

Assets / Equity

ROE

18.2%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. MCHB's ROE of 18.2% is driven by financial leverage (equity multiplier: 9.32x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

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

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$46.58

Price/Value

0.34x

Margin of Safety

65.86%

Premium

-65.86%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with MCHB's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. MCHB trades at a -66% premium to its adjusted intrinsic value of $46.58, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 12.1x.

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

$15.12

Median 1Y

$12.09

5th Pctile

$5.11

95th Pctile

$28.73

Ann. Volatility

54.3%

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
Mark K. Mason Former Chief Executive Officer	$1,273,881	$—	$6,631,568
William D. Endresen Former Commercial Real Estate President, EVP	$309,449	$—	$2,634,788
John M. Michel Former Chief Financial Officer, EVP	$352,002	$—	$2,533,054
Nathan Duda Financial Vice President and Chief Financial Officer	$200,000	$299,998	$1,097,311
Scott Givans Credit ive Vice President and Chief Credit Officer	$179,000	$262,501	$936,770

CEO Pay Ratio

72:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $6,631,568

Avg Employee Cost (SGA/emp): $91,726

Employees: 1,971

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

1,971

+150.4% YoY

Revenue / Employee

$372,674

Rev: $734,540,000

Profit / Employee

$86,548

NI: $170,586,000

SGA / Employee

$91,726

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	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	-0.2%	-5.2%	-12.7%	-4.8%	1.3%	8.1%	28.4%	8.8%	8.5%	8.5%	18.2%	18.19%
ROA	-0.0%	-0.7%	-0.7%	-0.3%	0.2%	1.1%	1.6%	0.9%	1.1%	1.2%	2.0%	1.95%
ROIC	0.4%	17.4%	-2.2%	-0.5%	-2.5%	-10.2%	7.9%	-7.8%	-12.2%	-15.5%	-15.8%	-15.85%
ROCE	-0.1%	-5.0%	-1.0%	-0.4%	1.4%	10.0%	2.4%	0.7%	1.1%	1.2%	1.9%	1.90%
Gross Margin	0.0%	3.5%	1.0%	67.3%	77.4%	77.8%	0.0%	51.7%	81.7%	71.3%	77.8%	77.84%
Operating Margin	-3.6%	7.8%	55.7%	26.7%	34.7%	32.9%	-4.9%	20.5%	56.0%	25.1%	30.3%	30.28%
Net Margin	-3.0%	5.6%	32.1%	19.3%	26.7%	23.4%	-4.5%	25.1%	45.2%	17.9%	22.0%	22.05%
EBITDA Margin	-3.6%	7.5%	0.0%	28.3%	37.3%	35.6%	-4.9%	22.4%	60.0%	25.1%	57.5%	57.54%
FCF Margin	10.2%	77.5%	62.2%	88.2%	86.2%	54.0%	44.1%	23.9%	26.3%	25.7%	27.6%	27.61%
OCF Margin	11.2%	80.0%	63.7%	88.5%	86.7%	54.2%	44.2%	24.3%	26.8%	26.4%	28.5%	28.52%
ROE 3Y Avg	snapshot only											10.09%
ROA 3Y Avg	snapshot only											0.78%
ROIC Economic	snapshot only											9.77%
Cash ROA	snapshot only											1.35%
NOPAT Margin	snapshot only											28.06%
Pretax Margin	snapshot only											33.93%
R&D / Revenue	snapshot only											0.00%
SGA / Revenue	snapshot only											30.58%
SBC / Revenue	snapshot only											0.57%

Valuation

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	-55.89	-28.09	36.08	-131.62	7.32	13.75	18.62	0.00	14.78	15.64	13.14	12.096
P/S Ratio	1.70	35.49	-9.52	7.50	0.39	3.43	3.55	0.00	4.15	4.09	3.69	3.142
P/B Ratio	0.09	1.47	-4.58	6.38	0.09	1.08	6.05	0.00	1.13	1.23	1.37	1.306
P/FCF	16.64	45.76	-15.29	8.50	0.46	6.35	8.05	0.00	15.78	15.89	13.35	13.355
P/OCF	15.13	44.37	-14.94	8.48	0.45	6.32	8.03	0.00	15.48	15.45	12.93	12.929
EV/EBITDA	692.33	-2.00	1.74	-57.38	184.89	-8.95	19.21	-25.37	-5.16	-2.87	-1.80	-1.800
EV/Revenue	-24.69	3.36	-1.08	12.13	-7.04	-2.37	5.40	-6.66	-1.83	-0.93	-0.77	-0.766
EV/EBIT	692.33	-1.92	2.98	-156.42	-106.35	-6.94	20.65	-27.53	-5.57	-3.04	-1.92	-1.916
EV/FCF	-241.83	4.33	-1.74	13.76	-8.17	-4.39	12.23	-27.85	-6.94	-3.61	-2.77	-2.775
Earnings Yield	-1.8%	-3.6%	2.8%	-0.8%	13.7%	7.3%	5.4%	588.5%	6.8%	6.4%	7.6%	7.61%
FCF Yield	6.0%	2.2%	-6.5%	11.8%	2.2%	15.7%	12.4%	672.4%	6.3%	6.3%	7.5%	7.49%
PEG Ratio	snapshot only											0.112
Price/Tangible Book	snapshot only											2.114
EV/OCF	snapshot only											-2.686
EV/Gross Profit	snapshot only											-1.071
Acquirers Multiple	snapshot only											-2.258
Shareholder Yield	snapshot only											8.20%
Graham Number	snapshot only											$17.75

Leverage & Solvency

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.27	0.27	—	—	0.29	0.31	—	212.93	219.45	219.81	231.49	231.493
Quick Ratio	0.27	0.27	—	—	0.29	0.31	—	212.93	219.45	219.81	231.49	231.493
Debt/Equity	0.37	0.37	4.06	3.94	0.02	0.02	3.14	0.10	0.13	0.08	0.08	0.078
Net Debt/Equity	-1.33	-1.33	4.06	3.94	-1.74	-1.82	3.14	-1.68	-1.63	-1.51	-1.66	-1.660
Debt/Assets	0.05	0.05	0.23	0.23	0.00	0.00	0.17	0.01	0.02	0.01	0.01	0.010
Debt/EBITDA	-207.60	-5.35	-13.57	-21.91	-2.73	0.30	6.56	1.53	1.32	0.78	0.49	0.489
Net Debt/EBITDA	739.98	19.08	-13.57	-21.91	195.23	-21.89	6.56	-25.37	-16.87	-15.50	-10.46	-10.461
Interest Coverage	—	-3.15	-1.78	-0.32	0.22	1.65	1.16	1.17	1.51	1.37	1.62	1.617
Equity Multiplier	7.83	7.83	17.82	17.09	7.16	6.97	18.88	8.19	7.81	7.66	7.89	7.893
Cash Ratio	snapshot only											59.779
Debt Service Coverage	snapshot only											1.721
Cash to Debt	snapshot only											22.403
FCF to Debt	snapshot only											1.327
Defensive Interval	snapshot only											17510.1 days

Efficiency & Turnover

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.01	0.01	0.03	0.05	0.03	0.04	0.08	0.04	0.04	0.04	0.07	0.070
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	—	—	—	—	—	—	—	0.10	0.11	0.12	0.15	0.149
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—
DSO (trade)	0	0	0	0	0	0	0	3761	3282	2979	2444	2443.7 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle (trade)	0	0	0	0	0	0	0	3761	3282	2979	2444	—
Fixed Asset Turnover	snapshot only											4.636
Cash Velocity	snapshot only											0.215
Capital Intensity	snapshot only											21.178

Growth (YoY)

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	—	—	—	—	3.8%	7.1%	1.7%	52.7%	44.6%	12.4%	46.1%	46.05%
Net Income	—	—	—	—	9.5%	2.6%	3.0%	6.6%	6.5%	17.8%	1.1%	1.15%
EPS	—	—	—	—	9.5%	2.6%	1.2%	65448.2%	-35.6%	12.0%	74.8%	74.75%
FCF	—	—	—	—	39.5%	4.6%	94.4%	-58.6%	-55.9%	-46.4%	-8.6%	-8.63%
EBITDA	—	—	—	—	-4.1%	2.3%	2.2%	2.9%	14.4%	37.4%	1.2%	1.21%
Op. Income	—	—	—	—	14.3%	2.7%	3.4%	10.4%	3.8%	-5.9%	89.7%	89.68%
OCF Growth	snapshot only											-5.81%
Asset Growth	snapshot only											1.79%
Equity Growth	snapshot only											5.68%
Debt Growth	snapshot only											-83.51%
Shares Change	snapshot only											22.87%
Dividend Growth	snapshot only											1.60%

Growth Quality

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	—	—	—	—	—	—	—	—	0.97	0.84	0.99	0.992
Earnings Stability	—	—	—	—	—	—	—	—	0.86	0.82	0.99	0.994
Margin Stability	—	—	—	—	—	—	—	—	0.13	0.00	0.66	0.657
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.000
FCF Positive Streak	0	0	0	0	1	1	1	1	1	1	1	1
Earnings Persistence	—	—	—	—	—	—	—	—	0.50	0.50	0.50	0.500
Earnings Smoothness	—	—	—	—	—	—	—	—	0.00	0.84	0.27	0.271
ROE Trend	—	—	—	—	—	—	—	—	0.07	0.07	0.01	0.006
Gross Margin Trend	—	—	—	—	—	—	—	—	0.27	0.60	0.23	0.225
FCF Margin Trend	—	—	—	—	—	—	—	—	-0.22	-0.40	-0.26	-0.256
Sustainable Growth Rate	—	—	—	—	-5.8%	4.0%	7.8%	8.8%	6.6%	3.0%	-1.4%	-1.41%
Internal Growth Rate	—	—	—	—	—	0.5%	0.4%	0.9%	0.9%	0.4%	—	—

Cash Flow Quality

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	-3.69	-0.63	-2.42	-15.53	16.12	2.17	2.32	1.16	0.95	1.01	1.02	1.017
FCF/OCF	0.91	0.97	0.98	1.00	0.99	1.00	1.00	0.98	0.98	0.97	0.97	0.968
FCF/Net Income	snapshot only											0.984
OCF/EBITDA	snapshot only											0.670
CapEx/Revenue	1.0%	2.4%	1.5%	0.3%	0.5%	0.3%	0.1%	0.4%	0.5%	0.7%	0.9%	0.91%
CapEx/Depreciation	snapshot only											0.353
Accruals Ratio	-0.00	-0.01	-0.02	-0.05	-0.03	-0.01	-0.02	-0.00	0.00	-0.00	-0.00	-0.000
Sloan Accruals	snapshot only											1.248
Cash Flow Adequacy	snapshot only											0.916
Earnings Quality Score	snapshot only											1.000

Dividends & Buybacks

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	1.0%	2.0%	-2.8%	4.7%	75.3%	3.7%	3.9%	0.0%	1.5%	4.1%	8.2%	10.32%
Dividend/Share	$0.10	$0.30	$-0.32	$0.73	$8.48	$0.43	$0.50	$0.00	$0.22	$0.61	$1.30	$1.56
Payout Ratio	—	—	—	—	5.5%	51.0%	72.5%	0.0%	22.2%	64.4%	1.1%	1.08%
FCF Payout Ratio	16.1%	93.3%	42.9%	40.1%	34.4%	23.6%	31.4%	0.0%	23.7%	65.4%	1.1%	1.10%
Total Payout Ratio	—	—	—	—	5.5%	51.0%	72.5%	0.0%	22.2%	64.4%	1.1%	1.08%
Div. Increase Streak	0	0	0	0	1	1	1	—	0	1	1	1
Chowder Number	—	—	—	—	86.05	0.46	0.46	—	-0.68	0.53	2.27	2.273
Buyback Yield	0.0%	0.0%	-0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	0.0%	0.0%	-0.0%	0.0%	0.0%	0.0%	0.0%	-200.8%	-1.5%	-1.5%	-1.3%	-1.35%
Total Shareholder Return	1.0%	2.0%	-2.8%	4.7%	75.3%	3.7%	3.9%	-200.8%	-0.0%	2.7%	6.9%	6.85%

DuPont Factors

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.85	0.72	0.73	0.73	0.81	0.73	0.73	0.87	0.86	0.86	0.83	0.827
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.85	0.848
EBIT Margin	-0.04	-1.75	-0.36	-0.08	0.07	0.34	0.26	0.24	0.33	0.31	0.40	0.400
Asset Turnover	0.01	0.01	0.03	0.05	0.03	0.04	0.08	0.04	0.04	0.04	0.07	0.070
Equity Multiplier	7.83	7.83	17.82	17.09	7.49	7.38	18.28	9.63	7.52	7.34	9.32	9.325

Per Share

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$-0.18	$-0.53	$0.31	$-0.12	$1.54	$0.84	$0.69	$7727.02	$0.99	$0.94	$1.21	$1.21
Book Value/Share	$118.86	$10.12	$-2.45	$2.44	$122.07	$10.75	$2.13	$146616.67	$12.95	$12.01	$11.57	$11.58
Tangible Book/Share	$71.25	$6.07	$-2.41	$2.40	$75.29	$6.77	$2.10	$94475.19	$8.17	$7.50	$7.52	$7.52
Revenue/Share	$5.98	$0.42	$-1.18	$2.07	$28.59	$3.38	$3.63	$36933.04	$3.53	$3.61	$4.31	$4.56
FCF/Share	$0.61	$0.32	$-0.74	$1.83	$24.64	$1.82	$1.60	$8828.13	$0.93	$0.93	$1.19	$1.15
OCF/Share	$0.67	$0.33	$-0.75	$1.83	$24.78	$1.83	$1.60	$8981.87	$0.95	$0.95	$1.23	$1.21
Cash/Share	$202.08	$17.20	$-0.00	$0.00	$215.56	$19.85	$0.00	$260722.21	$22.72	$19.01	$20.10	$20.12
EBITDA/Share	$-0.21	$-0.70	$0.73	$-0.44	$-1.09	$0.89	$1.02	$9691.03	$1.25	$1.17	$1.84	$1.84
Debt/Share	$44.27	$3.77	$-9.96	$9.60	$2.97	$0.27	$6.69	$14846.94	$1.65	$0.91	$0.90	$0.90
Net Debt/Share	$-157.81	$-13.43	$-9.96	$9.60	$-212.59	$-19.58	$6.69	$-245875.27	$-21.07	$-18.10	$-19.20	$-19.20

Academic Models

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	3.266
Altman Z-Prime	snapshot only											5.950
Piotroski F-Score	3	3	3	3	8	8	6	6	6	5	6	6
Beneish M-Score	—	—	—	—	-2.52	—	-2.82	-2.44	-2.38	-2.46	-1.66	-1.660
Ohlson O-Score	snapshot only											-7.195
ROIC (Greenblatt)	snapshot only											2.20%
Net-Net WC	snapshot only											$-1.91

Credit

Metric	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only											AA+
Credit Score	37.77	38.94	17.74	23.47	66.63	85.79	54.29	79.00	84.70	85.14	92.39	92.389
Credit Grade	snapshot only											2
Credit Trend	snapshot only											38.102
Implied Spread (bps)	snapshot only											65.000
Industry Credit Rank	snapshot only											96
Sector Credit Rank	snapshot only											88

MCHB 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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