$36.40

+0.49 (+1.36%)

Weekly Expected Move ±2.0%

$35 $36 $36 $37 $38

NASDAQ · Financial Services · Banks - Regional · Tech Score Sell · Power 52 · $922.6M mcap · 21M float · 0.700% daily turnover · Short 69% 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.

WEAK EDGE

51.7 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 71.8% · 5Y Avg: -1.8%

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. MPB shows a Weak competitive edge (51.7/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 71.8% 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

$38

Avg Target

$38

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 0Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$38.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-06-30	Raymond James	Steve Moss	Initiated	$38	—	+11.0%	$34.24
2024-10-28	Piper Sandler	Frank Schiraldi	$31	$35	+4	+8.5%	$32.25
2024-07-29	Piper Sandler	Frank Schiraldi	$25	$31	+6	+9.5%	$28.30
2024-05-20	Piper Sandler	Frank Schiraldi	Initiated	$25	—	+13.2%	$22.08

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+

Oct 02, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. MPB receives an overall rating of B+. Strongest factors: DCF (4/5), ROA (4/5). Areas of concern: D/E (2/5).

Rating Change History

Date	From	To
2026-07-27	A-	B+
2026-07-25	B+	A-
2026-07-10	A-	B+
2026-07-01	B	A-
2026-04-28	B+	B
2026-04-23	B	B+
2026-04-21	B+	B
2026-04-14	A-	B+
2026-04-01	B+	A-
2026-03-30	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.

★ ★ ★ ★ ★ 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. MPB scores highest in Momentum (95/100) and lowest in Balance Sheet (51/100). An overall grade of A+ places MPB 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

2.67

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✗ ✓ ✗ ✓ ✓

Beneish M-Score

-2.25

Unlikely Manipulator

Ohlson O-Score

-3.97

Bankruptcy prob: 1.9%

Low Risk

Credit Rating

A+

Score: 79.7/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.45x

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. MPB scores 2.67, 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. MPB scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. MPB's score of -2.25 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. MPB's implied 1.9% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. MPB receives an estimated rating of A+ (score: 79.7/100), 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). MPB'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

11.70x

PEG

0.39x

P/S

2.49x

P/B

0.93x

P/FCF

8.83x

P/OCF

8.26x

EV/EBITDA

0.09x

EV/Revenue

0.02x

EV/EBIT

0.09x

EV/FCF

0.09x

Earnings Yield

8.35%

FCF Yield

11.32%

Shareholder Yield

3.02%

Graham Number

$50.19

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 11.7x earnings, MPB trades at a reasonable valuation. An earnings yield of 8.3% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $50.19 per share, suggesting a potential 38% 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

0.756

NI / EBT

Interest Burden

1.009

EBT / EBIT

EBIT Margin

0.241

EBIT / Rev

Asset Turnover

0.055

Rev / Assets

Equity Multiplier

7.998

Assets / Equity

ROE

8.1%

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. MPB's ROE of 8.1% is driven by financial leverage (equity multiplier: 8.00x). 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

0.86%

Fair P/E

10.23x

Intrinsic Value

$29.74

Price/Value

1.17x

Margin of Safety

-17.14%

Premium

17.14%

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 MPB's realized 0.9% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. MPB trades at a 17% premium to its adjusted intrinsic value of $29.74, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 10.2x compares to the current market P/E of 11.7x.

Profitability Trends

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

Leverage & Solvency Trends

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

Efficiency & Working Capital Trends

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

Growth Trends (YoY %)

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

Earnings Stability

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

Monte Carlo Price Simulation

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

Current Price

$36.40

Median 1Y

$36.14

5th Pctile

$18.44

95th Pctile

$71.19

Ann. Volatility

41.3%

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
Rory G. Ritrievi President & Chief Executive Officer	$773,077	$257,200	$2,209,726
Justin T. Webb Senior Executive VP & Chief Financial Officer of the Corporation and Bank	$439,231	$90,020	$975,444
Scott W. Micklewright Senior Executive VP & Chief Revenue Officer of the Bank and President of Commercial and Consumer Banking	$431,923	$90,020	$933,229
Heather R. Hall Senior Executive VP & Market President and Chief Lending Officer	$390,577	$64,300	$869,646
Joan E. Dickinson Senior Executive VP & Chief Retail Officer	$344,615	$64,300	$835,604

CEO Pay Ratio

17:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $2,209,726

Avg Employee Cost (SGA/emp): $131,857

Employees: 705

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

705

+19.3% YoY

Revenue / Employee

$463,728

Rev: $326,928,000

Profit / Employee

$79,784

NI: $56,248,000

SGA / Employee

$131,857

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

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

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	12.6%	7.9%	8.3%	8.1%	9.4%	10.9%	10.9%	9.3%	8.0%	7.1%	7.2%	8.3%	8.8%	8.3%	8.4%	6.6%	7.3%	7.7%	6.6%	8.1%	8.12%
ROA	1.2%	0.8%	0.8%	0.9%	1.0%	1.2%	1.2%	1.0%	0.9%	0.8%	0.8%	0.9%	0.9%	0.9%	0.9%	0.7%	0.8%	1.0%	0.8%	1.0%	1.02%
ROIC	8.7%	7.2%	7.0%	11.5%	15.4%	19.1%	14.5%	10.7%	8.2%	6.3%	6.2%	8.0%	11.2%	11.7%	11.4%	11.9%	11.4%	6.8%	9.5%	71.8%	71.83%
ROCE	9.5%	5.3%	5.7%	6.9%	8.1%	9.4%	11.0%	8.4%	7.3%	6.5%	6.9%	8.1%	8.5%	7.8%	8.0%	5.8%	6.8%	8.1%	6.9%	9.3%	9.30%
Gross Margin	88.0%	90.3%	91.3%	89.5%	89.4%	83.6%	72.4%	64.7%	58.9%	58.6%	58.1%	55.2%	56.4%	58.1%	61.3%	60.2%	65.1%	67.1%	61.0%	70.2%	70.17%
Operating Margin	34.6%	1.6%	32.5%	35.0%	39.4%	36.4%	25.6%	8.1%	16.9%	20.3%	20.0%	18.8%	19.0%	20.5%	22.0%	5.0%	25.8%	28.3%	14.6%	25.8%	25.75%
Net Margin	28.1%	1.6%	26.5%	28.6%	31.9%	29.7%	20.8%	7.9%	13.6%	17.1%	16.5%	15.5%	15.7%	16.8%	18.0%	5.6%	19.5%	21.0%	11.2%	20.3%	20.26%
EBITDA Margin	35.4%	6.0%	35.8%	40.7%	41.0%	43.1%	28.5%	12.5%	18.0%	22.9%	22.3%	21.0%	21.2%	22.7%	24.1%	7.3%	28.1%	29.9%	18.2%	25.8%	25.75%
FCF Margin	37.8%	43.9%	39.2%	36.1%	36.0%	29.8%	29.5%	26.4%	22.3%	19.8%	18.4%	20.0%	20.8%	14.5%	13.3%	15.9%	17.4%	20.6%	25.3%	24.9%	24.91%
OCF Margin	40.5%	46.4%	42.0%	38.9%	38.3%	32.0%	31.4%	28.0%	23.7%	20.9%	19.2%	20.5%	21.0%	16.8%	16.3%	19.3%	21.2%	23.0%	27.3%	26.6%	26.62%
ROE 3Y Avg	snapshot only																				7.10%
ROE 5Y Avg	snapshot only																				7.43%
ROA 3Y Avg	snapshot only																				0.83%
ROIC Economic	snapshot only																				6.42%
Cash ROA	snapshot only																				1.40%
Cash ROIC	snapshot only																				1.05%
CROIC	snapshot only																				98.36%
NOPAT Margin	snapshot only																				18.19%
Pretax Margin	snapshot only																				24.29%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				12.19%
SBC / Revenue	snapshot only																				1.10%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	7.32	10.88	12.15	11.35	10.37	7.89	6.82	7.19	7.58	10.12	8.24	7.72	9.90	10.40	9.61	12.21	10.99	12.92	14.71	11.98	11.704
P/S Ratio	1.97	2.25	2.52	2.44	2.39	2.31	1.88	1.57	1.31	1.49	1.15	1.21	1.60	1.68	1.59	1.69	1.64	2.09	2.16	2.20	2.486
P/B Ratio	0.79	0.65	0.77	0.78	0.83	0.84	0.73	0.65	0.59	0.70	0.57	0.62	0.83	0.78	0.73	0.69	0.69	0.89	0.85	0.91	0.934
P/FCF	5.23	5.11	6.42	6.76	6.66	7.75	6.38	5.94	5.88	7.50	6.28	6.07	7.70	11.56	11.90	10.61	9.45	10.12	8.52	8.83	8.832
P/OCF	4.87	4.84	5.99	6.26	6.24	7.20	5.99	5.60	5.55	7.11	6.02	5.90	7.61	10.00	9.71	8.75	7.76	9.08	7.90	8.26	8.264
EV/EBITDA	6.96	5.72	7.76	3.93	3.09	2.74	3.15	3.87	4.83	8.36	7.29	5.87	5.18	4.21	3.94	2.26	2.82	9.33	5.34	0.09	0.087
EV/Revenue	2.56	1.66	2.23	1.18	0.99	1.11	1.20	1.17	1.19	1.69	1.40	1.24	1.13	0.92	0.88	0.42	0.58	2.11	1.14	0.02	0.023
EV/EBIT	7.73	6.53	8.77	4.49	3.49	3.08	3.54	4.45	5.66	9.64	8.40	6.50	5.79	4.69	4.37	2.56	3.16	10.26	6.02	0.09	0.094
EV/FCF	6.78	3.77	5.68	3.26	2.74	3.72	4.07	4.45	5.31	8.54	7.62	6.19	5.43	6.33	6.59	2.63	3.34	10.22	4.49	0.09	0.091
Earnings Yield	13.7%	9.2%	8.2%	8.8%	9.6%	12.7%	14.7%	13.9%	13.2%	9.9%	12.1%	12.9%	10.1%	9.6%	10.4%	8.2%	9.1%	7.7%	6.8%	8.3%	8.35%
FCF Yield	19.1%	19.6%	15.6%	14.8%	15.0%	12.9%	15.7%	16.8%	17.0%	13.3%	15.9%	16.5%	13.0%	8.7%	8.4%	9.4%	10.6%	9.9%	11.7%	11.3%	11.32%
PEG Ratio	snapshot only																				0.389
Price/Tangible Book	snapshot only																				1.144
EV/OCF	snapshot only																				0.085
EV/Gross Profit	snapshot only																				0.034
Acquirers Multiple	snapshot only																				0.094
Shareholder Yield	snapshot only																				3.02%
Graham Number	snapshot only																				$50.19

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.02	0.07	0.05	0.08	0.09	0.08	0.08	0.08	0.07	0.07	0.07	0.06	0.07	0.07	0.07	0.09	0.09	0.02	0.07	0.17	0.166
Quick Ratio	0.02	0.07	0.05	0.08	0.09	0.08	0.08	0.08	0.07	0.07	0.07	0.06	0.07	0.07	0.07	0.09	0.09	0.02	0.07	0.17	0.166
Debt/Equity	0.37	0.34	0.32	0.18	0.16	0.14	0.31	0.43	0.48	0.66	0.64	0.50	0.33	0.12	0.16	0.10	0.10	0.07	0.06	0.17	0.174
Net Debt/Equity	0.24	-0.17	-0.09	-0.40	-0.48	-0.44	-0.26	-0.16	-0.06	0.10	0.12	0.01	-0.25	-0.36	-0.33	-0.52	-0.45	0.01	-0.40	-0.90	-0.896
Debt/Assets	0.04	0.04	0.03	0.02	0.02	0.02	0.03	0.04	0.05	0.07	0.07	0.05	0.03	0.01	0.02	0.01	0.01	0.01	0.01	0.02	0.022
Debt/EBITDA	2.53	4.06	3.68	1.88	1.48	0.94	2.10	3.46	4.36	6.91	6.68	4.58	2.94	1.19	1.51	1.28	1.11	0.75	0.69	1.64	1.636
Net Debt/EBITDA	1.60	-2.03	-1.01	-4.21	-4.40	-2.98	-1.78	-1.30	-0.52	1.02	1.28	0.12	-2.16	-3.48	-3.18	-6.83	-5.16	0.09	-4.79	-8.44	-8.437
Interest Coverage	2.98	2.44	2.72	3.18	3.76	3.79	2.34	1.24	0.72	0.50	0.43	0.46	0.46	0.46	0.49	0.41	0.49	0.57	0.53	0.72	0.722
Equity Multiplier	9.89	9.57	9.44	8.69	8.68	8.78	8.97	9.68	9.87	9.76	9.67	9.63	9.64	8.35	8.30	8.19	7.87	7.53	7.85	7.83	7.831
Cash Ratio	snapshot only																				0.158
Debt Service Coverage	snapshot only																				0.774
Cash to Debt	snapshot only																				6.157
FCF to Debt	snapshot only																				0.590
Defensive Interval	snapshot only																				2329.4 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.05	0.06	0.06	0.06	0.06	0.055
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	11.34	11.69	12.90	13.46	13.30	12.60	12.89	13.34	11.80	11.50	11.86	12.27	11.60	11.65	11.41	11.41	11.74	12.33	11.61	11.98	11.983
Payables Turnover	8.29	9.32	8.35	8.78	9.12	10.78	8.44	7.97	8.89	11.35	9.92	8.36	7.63	9.52	8.95	8.29	7.30	0.05	10.16	18.69	18.687
DSO	32	31	28	27	27	29	28	27	31	32	31	30	31	31	32	32	31	30	31	30	30.5 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	44	39	44	42	40	34	43	46	41	32	37	44	48	38	41	44	50	7524	36	20	19.5 days
Cash Conversion Cycle	-12	-8	-15	-14	-13	-5	-15	-18	-10	-0	-6	-14	-16	-7	-9	-12	-19	-7494	-4	11	10.9 days
Fixed Asset Turnover	snapshot only																				7.537
Cash Velocity	snapshot only																				0.385
Capital Intensity	snapshot only																				19.032

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	20.7%	15.5%	16.2%	16.4%	23.0%	31.8%	31.3%	36.9%	37.5%	35.9%	38.0%	33.0%	26.3%	20.6%	13.0%	10.6%	12.0%	13.5%	12.9%	16.3%	16.32%
Net Income	74.6%	11.9%	-1.1%	-1.4%	5.2%	86.9%	74.4%	39.0%	3.3%	-31.8%	-29.9%	-4.3%	17.8%	32.2%	33.3%	-2.7%	3.6%	13.8%	0.3%	54.7%	54.74%
EPS	28.6%	-17.5%	-47.8%	-36.2%	-24.3%	33.9%	74.9%	33.1%	-1.1%	-34.6%	-32.8%	-3.9%	17.7%	19.5%	14.4%	-16.5%	-11.1%	-11.0%	-17.1%	27.8%	27.83%
FCF	10.3%	5.0%	1.3%	40.7%	17.1%	-10.7%	-1.5%	0.1%	-14.6%	-9.5%	-14.0%	0.7%	17.5%	-11.9%	-18.0%	-12.0%	-6.3%	61.5%	1.1%	82.3%	82.33%
EBITDA	59.3%	8.9%	-3.1%	-1.6%	6.7%	83.5%	74.0%	38.8%	5.9%	-31.7%	-30.5%	-7.6%	12.0%	29.7%	31.2%	-2.7%	5.9%	17.7%	8.0%	61.9%	61.87%
Op. Income	78.3%	15.0%	0.4%	-0.4%	4.9%	86.8%	74.7%	37.5%	2.0%	-33.6%	-32.2%	-4.1%	17.4%	34.3%	36.3%	-5.0%	5.7%	19.2%	6.3%	71.3%	71.29%
OCF Growth	snapshot only																				60.75%
Asset Growth	snapshot only																				11.15%
Equity Growth	snapshot only																				16.27%
Debt Growth	snapshot only																				1.06%
Shares Change	snapshot only																				21.05%
Dividend Growth	snapshot only																				12.95%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	29.4%	22.9%	20.3%	17.4%	18.3%	20.2%	21.9%	24.5%	26.8%	27.4%	28.2%	28.5%	28.8%	29.2%	27.0%	26.3%	24.8%	23.0%	20.8%	19.6%	19.60%
Revenue 5Y	26.1%	25.3%	26.3%	27.0%	28.4%	30.5%	30.6%	31.3%	29.6%	27.2%	25.8%	24.1%	23.5%	23.2%	23.1%	23.2%	23.6%	23.1%	21.9%	22.2%	22.22%
EPS 3Y	57.9%	27.2%	6.7%	5.6%	5.7%	18.3%	18.6%	6.4%	-1.2%	-10.3%	-15.0%	-6.5%	-4.1%	1.5%	10.3%	2.2%	1.1%	-11.4%	-14.0%	0.9%	0.86%
EPS 5Y	13.6%	7.0%	0.8%	1.6%	4.1%	23.8%	27.4%	21.6%	24.2%	12.5%	7.4%	8.6%	6.6%	5.3%	5.1%	-0.7%	0.1%	-5.1%	-10.3%	-2.7%	-2.70%
Net Income 3Y	80.2%	40.4%	31.9%	30.5%	30.3%	45.8%	46.4%	33.5%	23.8%	12.6%	6.5%	9.5%	8.6%	19.0%	17.6%	9.0%	8.0%	0.9%	-2.2%	13.0%	12.97%
Net Income 5Y	38.7%	30.3%	31.4%	32.5%	35.6%	50.5%	55.1%	48.6%	44.8%	28.7%	22.9%	24.2%	21.9%	22.8%	24.0%	17.3%	18.3%	16.5%	10.1%	14.6%	14.59%
EBITDA 3Y	59.2%	36.0%	27.7%	26.0%	26.7%	40.0%	40.7%	29.5%	21.7%	10.9%	5.4%	8.1%	8.2%	17.6%	16.6%	7.7%	7.9%	1.4%	-0.5%	13.3%	13.32%
EBITDA 5Y	35.7%	28.2%	29.0%	30.3%	33.0%	41.8%	44.6%	39.3%	35.5%	25.8%	20.3%	20.7%	19.2%	19.4%	20.5%	14.3%	16.4%	15.8%	10.7%	14.7%	14.73%
Gross Profit 3Y	30.3%	25.3%	24.3%	22.8%	25.1%	26.6%	26.2%	24.7%	21.6%	17.4%	15.0%	13.1%	12.3%	12.0%	9.9%	9.8%	9.8%	10.3%	10.4%	13.8%	13.85%
Gross Profit 5Y	26.5%	26.3%	27.5%	28.2%	29.5%	31.0%	29.8%	28.5%	24.6%	20.5%	18.5%	16.7%	16.5%	16.5%	16.8%	17.0%	17.7%	17.5%	15.5%	16.4%	16.44%
Op. Income 3Y	67.7%	41.5%	32.8%	30.8%	31.5%	46.5%	47.5%	33.4%	24.0%	12.6%	5.9%	9.5%	7.9%	18.5%	17.3%	7.8%	8.2%	2.0%	-0.6%	16.0%	16.02%
Op. Income 5Y	37.6%	29.0%	29.8%	30.6%	33.1%	42.2%	46.0%	41.1%	38.2%	28.6%	22.6%	24.2%	22.2%	22.9%	24.3%	16.7%	18.8%	17.9%	11.5%	16.4%	16.42%
FCF 3Y	—	2.1%	1.4%	1.6%	85.2%	1.4%	—	2.6%	—	69.4%	24.6%	12.3%	5.5%	-10.7%	-11.4%	-3.9%	-2.0%	8.8%	14.8%	17.4%	17.36%
FCF 5Y	19.5%	23.8%	28.6%	55.0%	53.6%	61.9%	85.0%	—	—	90.2%	65.6%	75.9%	44.9%	62.3%	—	1.1%	—	47.2%	27.8%	17.9%	17.87%
OCF 3Y	86.7%	81.7%	80.1%	1.2%	77.0%	97.1%	1.5%	1.1%	—	55.8%	22.9%	11.1%	3.5%	-8.0%	-7.4%	-0.1%	2.4%	10.1%	15.3%	17.6%	17.61%
OCF 5Y	20.4%	24.2%	28.3%	50.5%	40.6%	38.2%	40.0%	37.6%	45.1%	37.1%	37.0%	57.1%	39.5%	45.7%	64.8%	56.1%	—	41.6%	27.6%	18.0%	18.02%
Assets 3Y	19.1%	31.2%	29.5%	26.4%	24.4%	26.3%	25.8%	20.3%	19.5%	20.8%	16.4%	15.9%	17.0%	5.3%	5.9%	13.8%	13.1%	10.9%	15.0%	11.5%	11.55%
Assets 5Y	27.1%	35.3%	34.2%	31.1%	30.3%	30.9%	26.9%	29.2%	20.6%	20.6%	19.9%	20.3%	19.7%	19.6%	19.3%	16.8%	15.5%	15.4%	15.5%	15.3%	15.33%
Equity 3Y	16.3%	30.0%	29.5%	28.9%	28.6%	29.1%	28.7%	29.3%	28.7%	28.5%	27.8%	17.9%	17.9%	10.2%	10.6%	16.1%	16.9%	16.7%	20.2%	19.7%	19.70%
Book Value 3Y	2.0%	17.7%	4.8%	4.4%	4.3%	4.8%	4.3%	3.1%	2.6%	2.4%	1.9%	0.7%	4.1%	-6.0%	3.7%	8.9%	9.4%	2.5%	5.7%	6.9%	6.87%
Dividend 3Y	-5.8%	0.5%	-6.8%	-7.5%	-7.9%	-8.5%	-12.3%	-16.2%	-18.1%	-19.8%	-19.4%	-13.4%	-10.7%	-12.9%	-3.3%	-0.7%	1.6%	-3.8%	-1.0%	-0.9%	-0.91%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.96	0.99	1.00	1.00	0.99	0.98	0.98	0.97	0.95	0.93	0.91	0.90	0.91	0.93	0.94	0.96	0.97	0.98	0.98	0.99	0.991
Earnings Stability	0.81	0.92	0.89	0.90	0.91	0.88	0.91	0.96	0.92	0.73	0.72	0.91	0.90	0.67	0.67	0.75	0.85	0.62	0.51	0.71	0.714
Margin Stability	0.95	0.94	0.94	0.93	0.93	0.93	0.94	0.93	0.90	0.87	0.86	0.84	0.82	0.81	0.81	0.81	0.81	0.81	0.82	0.83	0.832
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	0.00	0.00	1.00	1.00	0.50	0.50	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.00	1.00	1.00	1.00	0.50	0.500
FCF Positive Streak	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.95	1.00	0.99	0.98	0.50	0.50	0.84	0.99	0.87	0.88	0.98	0.93	0.87	0.87	0.99	0.99	0.94	1.00	0.50	0.500
Earnings Smoothness	0.46	0.89	0.99	0.99	0.95	0.39	0.46	0.67	0.97	0.62	0.65	0.96	0.84	0.72	0.71	0.97	0.96	0.87	1.00	0.57	0.570
ROE Trend	0.03	-0.03	-0.03	-0.02	-0.02	0.03	0.02	0.01	-0.02	-0.01	-0.02	0.00	0.01	-0.01	-0.01	-0.03	-0.02	-0.00	-0.02	0.01	0.007
Gross Margin Trend	0.09	0.10	0.10	0.10	0.08	0.04	-0.03	-0.10	-0.19	-0.25	-0.26	-0.26	-0.23	-0.19	-0.14	-0.08	-0.02	0.04	0.05	0.08	0.079
FCF Margin Trend	0.36	0.38	0.30	0.21	0.20	0.04	-0.00	-0.07	-0.15	-0.17	-0.16	-0.11	-0.08	-0.10	-0.11	-0.07	-0.04	0.03	0.09	0.07	0.070
Sustainable Growth Rate	9.9%	5.5%	5.6%	5.5%	6.6%	8.4%	8.4%	6.8%	5.5%	4.6%	4.7%	5.9%	6.4%	5.9%	6.0%	4.2%	4.8%	5.2%	3.9%	5.6%	5.56%
Internal Growth Rate	0.9%	0.5%	0.5%	0.6%	0.7%	0.9%	0.9%	0.7%	0.6%	0.5%	0.5%	0.6%	0.7%	0.7%	0.7%	0.5%	0.6%	0.7%	0.5%	0.7%	0.70%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.50	2.25	2.03	1.81	1.66	1.09	1.14	1.28	1.37	1.42	1.37	1.31	1.30	1.04	0.99	1.40	1.42	1.42	1.86	1.45	1.450
FCF/OCF	0.93	0.95	0.93	0.93	0.94	0.93	0.94	0.94	0.94	0.95	0.96	0.97	0.99	0.87	0.82	0.83	0.82	0.90	0.93	0.94	0.936
FCF/Net Income	snapshot only																				1.356
OCF/EBITDA	snapshot only																				1.031
CapEx/Revenue	2.8%	2.5%	2.8%	2.9%	2.4%	2.3%	1.9%	1.6%	1.4%	1.1%	0.8%	0.5%	0.2%	2.3%	3.0%	3.4%	3.8%	2.4%	2.0%	1.7%	1.71%
CapEx/Depreciation	snapshot only																				0.984
Accruals Ratio	-0.01	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	-0.00	-0.00	-0.00	-0.01	-0.00	-0.005
Sloan Accruals	snapshot only																				-0.021
Cash Flow Adequacy	snapshot only																				3.549
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	2.9%	2.8%	2.6%	2.8%	2.9%	2.9%	3.4%	3.7%	4.1%	3.4%	4.2%	3.8%	2.8%	2.7%	2.9%	2.9%	3.1%	2.5%	2.7%	2.6%	2.58%
Dividend/Share	$0.71	$0.78	$0.63	$0.69	$0.75	$0.80	$0.80	$0.76	$0.77	$0.78	$0.79	$0.80	$0.80	$0.75	$0.74	$0.81	$0.88	$0.78	$0.88	$0.92	$0.94
Payout Ratio	21.5%	30.3%	32.0%	32.2%	29.8%	23.2%	23.3%	26.9%	31.3%	34.7%	34.3%	29.3%	27.5%	28.0%	28.2%	35.7%	33.9%	32.3%	40.1%	31.5%	31.54%
FCF Payout Ratio	15.3%	14.2%	16.9%	19.2%	19.1%	22.8%	21.8%	22.2%	24.3%	25.7%	26.1%	23.0%	21.4%	31.1%	34.9%	31.0%	29.1%	25.3%	23.2%	23.3%	23.25%
Total Payout Ratio	21.8%	30.7%	32.0%	40.9%	37.3%	28.6%	28.7%	36.6%	42.5%	47.7%	47.8%	30.7%	28.7%	28.6%	28.2%	39.7%	37.9%	36.3%	44.5%	36.2%	36.21%
Div. Increase Streak	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.27	0.39	0.55	0.52	0.49	0.46	0.30	0.20	0.13	0.05	0.07	0.08	0.06	0.09	0.13	0.22	0.31	0.34	0.45	0.39	0.394
Buyback Yield	0.0%	0.0%	0.0%	0.8%	0.7%	0.7%	0.8%	1.3%	1.5%	1.3%	1.6%	0.2%	0.1%	0.1%	0.0%	0.3%	0.4%	0.3%	0.3%	0.4%	0.39%
Net Buyback Yield	0.0%	0.0%	0.0%	0.8%	0.7%	0.7%	0.8%	1.3%	1.5%	1.3%	1.6%	0.2%	0.1%	-14.8%	-15.6%	-13.9%	-13.5%	0.2%	0.2%	0.3%	0.28%
Total Shareholder Return	3.0%	2.8%	2.6%	3.6%	3.6%	3.6%	4.2%	5.1%	5.6%	4.7%	5.8%	4.0%	2.9%	-12.1%	-12.6%	-11.0%	-10.4%	2.7%	2.9%	2.9%	2.92%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.81	0.81	0.81	0.82	0.82	0.81	0.81	0.83	0.83	0.84	0.84	0.82	0.83	0.82	0.82	0.84	0.81	0.78	0.77	0.76	0.756
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	1.01	1.01	1.01	1.009
EBIT Margin	0.33	0.25	0.25	0.26	0.28	0.36	0.34	0.26	0.21	0.18	0.17	0.19	0.19	0.20	0.20	0.16	0.18	0.21	0.19	0.24	0.241
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.05	0.06	0.06	0.06	0.06	0.055
Equity Multiplier	10.89	10.31	10.62	9.28	9.18	9.17	9.21	9.20	9.29	9.28	9.34	9.65	9.75	8.99	8.92	8.80	8.61	7.90	8.04	8.00	7.998

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$3.30	$2.58	$1.96	$2.13	$2.50	$3.45	$3.43	$2.83	$2.47	$2.26	$2.31	$2.72	$2.91	$2.70	$2.64	$2.28	$2.58	$2.40	$2.19	$2.91	$2.91
Book Value/Share	$30.56	$43.06	$30.93	$31.05	$31.41	$32.24	$32.06	$31.54	$31.86	$32.72	$33.16	$33.71	$34.51	$35.72	$34.51	$40.08	$41.14	$34.74	$37.87	$38.49	$38.96
Tangible Book/Share	$24.75	$32.23	$23.29	$23.43	$23.79	$24.59	$24.46	$23.33	$23.61	$24.67	$25.15	$25.72	$26.39	$28.39	$27.59	$32.22	$33.28	$28.29	$29.76	$30.46	$30.46
Revenue/Share	$12.24	$12.48	$9.46	$9.92	$10.83	$11.79	$12.46	$13.01	$14.25	$15.35	$16.48	$17.37	$17.99	$16.73	$15.99	$16.48	$17.29	$14.86	$14.92	$15.84	$16.03
FCF/Share	$4.62	$5.48	$3.71	$3.58	$3.89	$3.51	$3.67	$3.43	$3.19	$3.04	$3.03	$3.47	$3.74	$2.43	$2.13	$2.62	$3.01	$3.06	$3.77	$3.94	$3.99
OCF/Share	$4.96	$5.79	$3.98	$3.86	$4.15	$3.78	$3.91	$3.64	$3.38	$3.21	$3.16	$3.56	$3.78	$2.80	$2.61	$3.17	$3.66	$3.42	$4.07	$4.22	$4.27
Cash/Share	$4.22	$22.01	$12.75	$18.06	$20.34	$18.64	$18.40	$18.79	$17.10	$18.32	$17.05	$16.31	$20.02	$17.01	$16.69	$24.81	$22.32	$2.23	$17.41	$41.17	$41.67
EBITDA/Share	$4.50	$3.62	$2.72	$2.97	$3.46	$4.75	$4.74	$3.95	$3.51	$3.11	$3.16	$3.66	$3.92	$3.65	$3.56	$3.06	$3.56	$3.36	$3.18	$4.09	$4.09
Debt/Share	$11.41	$14.67	$10.00	$5.57	$5.11	$4.47	$9.94	$13.67	$15.28	$21.49	$21.11	$16.76	$11.53	$4.33	$5.36	$3.93	$3.95	$2.53	$2.21	$6.69	$6.69
Net Debt/Share	$7.19	$-7.34	$-2.75	$-12.50	$-15.23	$-14.17	$-8.46	$-5.12	$-1.82	$3.17	$4.06	$0.44	$-8.49	$-12.68	$-11.33	$-20.88	$-18.38	$0.31	$-15.21	$-34.48	$-34.48

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.667
Altman Z-Prime	snapshot only																				-4.392
Piotroski F-Score	7	6	6	7	7	7	7	5	4	4	4	5	7	7	7	7	7	7	5	7	7
Beneish M-Score	-2.74	-2.55	-2.45	-2.30	-1.96	-1.86	-1.79	-1.75	-1.69	-1.96	-1.93	-2.02	-2.32	-2.43	-2.49	-2.48	-2.44	-2.41	-2.10	-2.25	-2.247
Ohlson O-Score	snapshot only																				-3.969
Net-Net WC	snapshot only																				$-219.65
EVA	snapshot only																				$58109266.57

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				A+
Credit Score	62.07	50.88	53.93	70.45	72.78	76.01	71.16	56.09	50.77	46.75	47.34	53.56	67.50	72.92	69.83	69.64	70.32	69.38	69.62	79.72	79.716
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				10.074
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				82
Sector Credit Rank	snapshot only																				71

MPB 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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