$32.35

-0.29 (-0.89%)

Weekly Expected Move ±3.6%

$29 $30 $31 $32 $33

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 54 · $819.9M mcap · 21M float · 0.768% daily turnover · Short 34% 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

46.4 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: 6.2% · 5Y Avg: 6.9%

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 (46.4/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Switching Costs. ROIC of 6.2% suggests modest returns relative to capital deployed.

Analyst Insights

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

Analyst Price Targets

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
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.

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. MPB receives an overall rating of B. Areas of concern: ROE (2/5), P/E (2/5).

Rating Change History

Date	From	To
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+
2026-03-04	B+	B
2026-01-26	A-	B+
2026-01-03	B+	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.

★ ★ ★ ★ ★ 57 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 Cash Flow (93/100) and lowest in Balance Sheet (40/100). 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

2.06

Grey Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✓ ✓ ✗ ✗ ✗ ✓

Beneish M-Score

-2.21

Unlikely Manipulator

Ohlson O-Score

0.74

Bankruptcy prob: 67.8%

High Risk

Credit Rating

A-

Score: 67.6/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 1.86x

Accruals: -0.8%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. MPB scores 2.06, 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 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. MPB's score of -2.21 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 67.8% bankruptcy probability signals significant financial distress. 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: 67.6/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). 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

14.62x

PEG

-0.66x

P/S

2.35x

P/B

0.84x

P/FCF

8.52x

P/OCF

7.90x

EV/EBITDA

10.63x

EV/Revenue

2.18x

EV/EBIT

11.52x

EV/FCF

8.60x

Earnings Yield

6.80%

FCF Yield

11.74%

Shareholder Yield

3.02%

Graham Number

$41.34

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 14.6x earnings, MPB trades at a reasonable valuation. An earnings yield of 6.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $41.34 per share, suggesting a potential 28% 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

0.766

NI / EBT

Interest Burden

1.013

EBT / EBIT

EBIT Margin

0.189

EBIT / Rev

Asset Turnover

0.060

Rev / Assets

Equity Multiplier

7.899

Assets / Equity

ROE

7.0%

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. MPB's ROE of 7.0% is driven by financial leverage (equity multiplier: 7.90x). 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

$18.58

Price/Value

1.73x

Margin of Safety

-73.10%

Premium

73.10%

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 MPB's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. MPB trades at a 73% premium to its adjusted intrinsic value of $18.58, 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 14.6x.

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

$32.35

Median 1Y

$31.77

5th Pctile

$16.19

95th Pctile

$62.66

Ann. Volatility

41.4%

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	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	14.0%	15.3%	7.9%	8.4%	9.1%	10.6%	10.9%	10.9%	9.4%	8.2%	7.1%	7.3%	8.6%	9.2%	8.3%	8.5%	7.4%	8.4%	7.7%	7.0%	6.97%
ROA	1.3%	1.4%	0.8%	0.8%	0.9%	1.0%	1.2%	1.2%	1.0%	0.9%	0.8%	0.8%	0.9%	1.0%	0.9%	0.9%	0.8%	0.9%	1.0%	0.9%	0.88%
ROIC	9.9%	10.9%	7.2%	7.7%	8.4%	9.8%	19.1%	19.0%	16.5%	14.3%	6.3%	6.4%	7.6%	8.1%	11.7%	12.1%	10.4%	11.8%	6.8%	6.2%	6.16%
ROCE	8.0%	8.9%	5.3%	5.6%	6.1%	7.1%	9.4%	9.4%	8.0%	6.9%	6.5%	6.6%	8.0%	8.5%	7.8%	8.1%	6.8%	8.0%	8.1%	7.4%	7.44%
Gross Margin	86.0%	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%	60.99%
Operating Margin	33.4%	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%	14.56%
Net Margin	27.0%	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%	11.22%
EBITDA Margin	37.8%	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%	14.6%	14.56%
FCF Margin	29.8%	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%	25.30%
OCF Margin	31.7%	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%	27.28%
ROE 3Y Avg	snapshot only																				7.05%
ROE 5Y Avg	snapshot only																				7.64%
ROA 3Y Avg	snapshot only																				0.83%
ROIC 3Y Avg	snapshot only																				5.54%
ROIC Economic	snapshot only																				5.84%
Cash ROA	snapshot only																				1.55%
Cash ROIC	snapshot only																				11.61%
CROIC	snapshot only																				10.77%
NOPAT Margin	snapshot only																				14.47%
Pretax Margin	snapshot only																				19.13%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				18.54%
SBC / Revenue	snapshot only																				0.51%

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	7.17	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	14.624
P/S Ratio	1.82	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	2.345
P/B Ratio	0.97	1.08	0.65	0.78	0.79	0.84	0.84	0.73	0.66	0.61	0.70	0.58	0.64	0.88	0.78	0.75	0.82	0.84	0.89	0.93	0.844
P/FCF	6.08	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	8.521
P/OCF	5.73	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	7.901
EV/EBITDA	7.03	7.15	5.72	6.85	6.38	5.97	2.74	1.96	1.75	1.48	8.36	7.01	6.61	8.15	4.21	3.75	5.16	4.60	9.33	10.63	10.625
EV/Revenue	2.49	2.63	1.66	1.97	1.91	1.91	1.11	0.74	0.53	0.36	1.69	1.34	1.39	1.78	0.92	0.83	0.96	0.95	2.11	2.18	2.176
EV/EBIT	8.12	7.93	6.53	7.74	7.28	6.76	3.08	2.20	2.01	1.73	9.64	8.08	7.32	9.12	4.69	4.16	5.85	5.16	10.26	11.52	11.522
EV/FCF	8.34	6.97	3.77	5.01	5.29	5.31	3.72	2.53	2.01	1.63	8.54	7.33	6.98	8.55	6.33	6.26	6.02	5.46	10.22	8.60	8.603
Earnings Yield	14.0%	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%	6.80%
FCF Yield	16.4%	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%	11.74%
Price/Tangible Book	snapshot only																				1.137
EV/OCF	snapshot only																				7.977
EV/Gross Profit	snapshot only																				3.426
Acquirers Multiple	snapshot only																				11.522
Shareholder Yield	snapshot only																				3.02%
Graham Number	snapshot only																				$41.34

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	0.02	0.02	0.07	0.07	0.07	0.07	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.02	0.02	0.016
Quick Ratio	0.02	0.02	0.07	0.07	0.07	0.07	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.02	0.02	0.016
Debt/Equity	0.51	0.51	0.34	0.34	0.34	0.34	0.14	0.14	0.14	0.14	0.66	0.66	0.66	0.66	0.12	0.12	0.12	0.12	0.07	0.07	0.073
Net Debt/Equity	0.36	0.36	-0.17	-0.17	-0.17	-0.17	-0.44	-0.44	-0.44	-0.44	0.10	0.10	0.10	0.10	-0.36	-0.36	-0.36	-0.36	0.01	0.01	0.009
Debt/Assets	0.04	0.04	0.04	0.04	0.04	0.04	0.02	0.02	0.02	0.02	0.07	0.07	0.07	0.07	0.01	0.01	0.01	0.01	0.01	0.01	0.010
Debt/EBITDA	2.72	2.54	4.06	3.84	3.52	3.04	0.94	0.94	1.08	1.22	6.91	6.78	5.86	5.47	1.19	1.15	1.34	1.15	0.75	0.83	0.829
Net Debt/EBITDA	1.91	1.78	-2.03	-1.92	-1.76	-1.52	-2.98	-2.98	-3.42	-3.87	1.02	1.00	0.86	0.81	-3.48	-3.38	-3.93	-3.37	0.09	0.10	0.101
Interest Coverage	2.52	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	0.532
Equity Multiplier	11.73	11.73	9.57	9.57	9.57	9.57	8.78	8.78	8.78	8.78	9.76	9.76	9.76	9.76	8.35	8.35	8.35	8.35	7.53	7.53	7.535
Cash Ratio	snapshot only																				0.010
Debt Service Coverage	snapshot only																				0.577
Cash to Debt	snapshot only																				0.878
FCF to Debt	snapshot only																				1.489
Defensive Interval	snapshot only																				191.3 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	0.05	0.05	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	0.06	0.06	0.06	0.06	0.060
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	13.00	13.37	11.69	12.44	13.04	14.16	12.60	13.35	14.59	15.91	11.50	12.38	13.04	13.51	11.65	11.75	12.11	12.71	12.33	12.38	12.377
Payables Turnover	10.10	9.33	9.32	8.73	8.47	8.98	10.78	16.24	24.63	35.81	11.35	13.27	14.76	15.51	9.52	9.43	9.43	9.33	0.05	0.05	0.049
DSO	28	27	31	29	28	26	29	27	25	23	32	29	28	27	31	31	30	29	30	29	29.5 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	36	39	39	42	43	41	34	22	15	10	32	28	25	24	38	39	39	39	7524	7481	7480.8 days
Cash Conversion Cycle	-8	-12	-8	-12	-15	-15	-5	5	10	13	-0	2	3	3	-7	-8	-9	-10	-7494	-7451	-7451.3 days
Fixed Asset Turnover	snapshot only																				5.274
Cash Velocity	snapshot only																				6.704
Capital Intensity	snapshot only																				17.547

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	21.0%	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%	12.95%
Net Income	73.5%	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%	0.33%
EPS	41.8%	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%	-17.12%
FCF	33.3%	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%	1.15%
EBITDA	58.8%	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%	3.9%	3.92%
Op. Income	73.3%	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%	6.28%
OCF Growth	snapshot only																				88.82%
Asset Growth	snapshot only																				12.12%
Equity Growth	snapshot only																				24.28%
Debt Growth	snapshot only																				-25.25%
Shares Change	snapshot only																				21.05%
Dividend Growth	snapshot only																				42.77%

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	34.8%	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%	20.78%
Revenue 5Y	26.1%	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%	21.86%
EPS 3Y	46.2%	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%	-13.97%
EPS 5Y	13.8%	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%	-10.28%
Net Income 3Y	74.1%	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%	-2.16%
Net Income 5Y	36.2%	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%	10.07%
EBITDA 3Y	56.6%	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%	-1.8%	-1.78%
EBITDA 5Y	34.0%	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%	9.8%	9.83%
Gross Profit 3Y	34.2%	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%	10.36%
Gross Profit 5Y	25.7%	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%	15.52%
Op. Income 3Y	59.8%	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%	-0.61%
Op. Income 5Y	34.7%	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%	11.48%
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%	14.79%
FCF 5Y	8.8%	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%	27.75%
OCF 3Y	51.9%	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%	15.28%
OCF 5Y	9.5%	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%	27.56%
Assets 3Y	36.8%	36.8%	31.2%	31.2%	31.2%	31.2%	26.3%	26.3%	26.3%	26.3%	20.8%	20.8%	20.8%	20.8%	5.3%	5.3%	5.3%	5.3%	10.9%	10.9%	10.89%
Assets 5Y	26.3%	26.3%	35.3%	35.3%	35.3%	35.3%	30.9%	30.9%	30.9%	30.9%	20.6%	20.6%	20.6%	20.6%	19.6%	19.6%	19.6%	19.6%	15.4%	15.4%	15.39%
Equity 3Y	50.0%	50.0%	30.0%	30.0%	30.0%	30.0%	29.1%	29.1%	29.1%	29.1%	28.5%	28.5%	28.5%	28.5%	10.2%	10.2%	10.2%	10.2%	16.7%	16.7%	16.71%
Book Value 3Y	26.0%	31.5%	17.7%	5.2%	5.2%	5.4%	4.8%	4.7%	2.9%	3.0%	2.4%	2.5%	9.7%	13.5%	-6.0%	3.3%	3.3%	3.1%	2.5%	2.6%	2.63%
Dividend 3Y	-12.7%	-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%	-0.99%

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	0.93	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	0.984
Earnings Stability	0.79	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	0.507
Margin Stability	0.95	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	0.818
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	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	1.000
FCF Positive Streak	1	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	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	0.999
Earnings Smoothness	0.46	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	0.997
ROE Trend	0.06	0.06	-0.03	-0.03	-0.04	-0.04	0.03	0.01	-0.01	-0.03	-0.01	-0.01	0.00	0.01	-0.01	-0.01	-0.02	-0.01	-0.00	-0.01	-0.011
Gross Margin Trend	0.07	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	0.047
FCF Margin Trend	0.28	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	0.095
Sustainable Growth Rate	11.0%	12.0%	5.5%	5.7%	6.2%	7.5%	8.4%	8.4%	6.9%	5.6%	4.6%	4.8%	6.1%	6.6%	5.9%	6.1%	4.7%	5.5%	5.2%	4.2%	4.18%
Internal Growth Rate	1.0%	1.1%	0.5%	0.6%	0.6%	0.7%	0.9%	0.9%	0.8%	0.6%	0.5%	0.5%	0.7%	0.7%	0.7%	0.7%	0.5%	0.6%	0.7%	0.5%	0.53%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.25	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	1.862
FCF/OCF	0.94	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	0.927
FCF/Net Income	snapshot only																				1.727
OCF/EBITDA	snapshot only																				1.332
CapEx/Revenue	1.8%	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%	1.98%
CapEx/Depreciation	snapshot only																				1.245
Accruals Ratio	-0.00	-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	-0.008
Sloan Accruals	snapshot only																				-0.138
Cash Flow Adequacy	snapshot only																				3.472
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	3.0%	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%	2.81%
Dividend/Share	$0.71	$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	$0.91
Payout Ratio	21.3%	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%	40.08%
FCF Payout Ratio	18.0%	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%	23.21%
Total Payout Ratio	22.3%	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%	44.48%
Div. Increase Streak	1	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.15	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	0.455
Buyback Yield	0.1%	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%	0.30%
Net Buyback Yield	0.1%	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%	0.21%
Total Shareholder Return	3.1%	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%	2.93%

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)	0.83	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	0.766
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	1.01	1.01	1.013
EBIT Margin	0.31	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	0.189
Asset Turnover	0.05	0.05	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	0.06	0.06	0.06	0.06	0.060
Equity Multiplier	10.60	10.60	10.31	10.31	10.31	10.31	9.17	9.17	9.17	9.17	9.28	9.28	9.28	9.28	8.99	8.99	8.99	8.99	7.90	7.90	7.899

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)	$3.34	$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	$2.19
Book Value/Share	$24.73	$22.37	$43.06	$30.67	$30.69	$30.85	$32.24	$32.14	$30.71	$30.86	$32.72	$32.65	$32.66	$32.66	$35.72	$33.84	$33.84	$33.84	$34.74	$34.74	$38.33
Tangible Book/Share	$18.23	$16.49	$32.23	$22.96	$22.97	$23.09	$24.59	$24.52	$23.42	$23.54	$24.67	$24.61	$24.62	$24.62	$28.39	$26.90	$26.90	$26.90	$28.29	$28.29	$28.29
Revenue/Share	$13.16	$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	$15.10
FCF/Share	$3.93	$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	$3.82
OCF/Share	$4.17	$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	$4.12
Cash/Share	$3.78	$3.42	$22.01	$15.68	$15.68	$15.77	$18.64	$18.59	$17.76	$17.84	$18.32	$18.28	$18.29	$18.29	$17.01	$16.12	$16.12	$16.12	$2.23	$2.23	$16.79
EBITDA/Share	$4.66	$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	$3.06	$3.06
Debt/Share	$12.66	$11.45	$14.67	$10.45	$10.45	$10.51	$4.47	$4.46	$4.26	$4.28	$21.49	$21.44	$21.45	$21.45	$4.33	$4.10	$4.10	$4.10	$2.53	$2.53	$2.53
Net Debt/Share	$8.88	$8.03	$-7.34	$-5.23	$-5.23	$-5.26	$-14.17	$-14.12	$-13.49	$-13.56	$3.17	$3.16	$3.16	$3.16	$-12.68	$-12.01	$-12.01	$-12.01	$0.31	$0.31	$0.31

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.063
Altman Z-Prime	snapshot only																				-5.186
Piotroski F-Score	7	7	6	6	6	6	6	7	6	6	5	5	6	6	7	7	7	8	7	5	5
Beneish M-Score	-1.93	-1.91	-2.55	-2.50	-2.50	-2.37	-1.86	-1.82	-1.76	-1.72	-1.96	-1.93	-1.99	-2.06	-2.43	-2.46	-2.51	-2.51	-2.41	-2.21	-2.206
Ohlson O-Score	snapshot only																				0.744
Net-Net WC	snapshot only																				$-223.56
EVA	snapshot only																				$-31559981.70

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	60.97	62.81	50.69	55.22	62.56	67.22	75.86	76.06	73.07	71.46	46.46	47.22	51.92	52.14	72.89	72.78	69.84	71.69	69.16	67.65	67.646
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				-5.131
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				58
Sector Credit Rank	snapshot only																				57

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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