Also trades as: OBNK (NASDAQ) · $vol 3M

$47.32

-0.27 (-0.57%)

Weekly Expected Move ±3.3%

$42 $44 $45 $47 $48

NYSE · Financial Services · Banks - Regional · Alpha Radar Buy · Power 65 · $1.5B mcap · 29M float · 0.616% daily turnover · Short 58% 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

41.7 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: 7.0% · 5Y Avg: 5.5%

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. OBK shows a Weak competitive edge (41.7/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. ROIC of 7.0% 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

$54

Low

$54

Avg Target

$54

High

Based on 1 analyst since Apr 22, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 5Hold: 0Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$54.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-24	Stephens	Matt Olney	Initiated	$54	—	+16.0%	$46.56
2026-01-30	D.A. Davidson	Gary Tenner	Initiated	$49	—	+14.4%	$42.85
2025-10-27	Piper Sandler	Stephen Scouten	Initiated	$43	—	+28.8%	$33.38
2023-10-26	Raymond James	Mike Rose	Initiated	$33	—	+12.2%	$29.40

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. OBK receives an overall rating of B+. Strongest factors: DCF (4/5). Areas of concern: P/E (2/5).

Rating Change History

Date	From	To
2026-05-11	B	B+
2026-04-30	B+	B
2026-04-24	B	B+
2026-04-22	B+	B
2026-04-21	A-	B+
2026-04-21	B+	A-
2026-04-08	A-	B+
2026-04-06	B+	A-
2026-04-02	A-	B+
2026-04-01	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.

★ ★ ★ ★ ★ 56 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. OBK scores highest in Earnings Quality (98/100) and lowest in Growth (40/100). An overall grade of A+ places OBK 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

2.24

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓ ✗

Beneish M-Score

-2.53

Unlikely Manipulator

Ohlson O-Score

-3.78

Bankruptcy prob: 2.2%

Low Risk

Credit Rating

A-

Score: 67.6/100

Trend: Deteriorating

Earnings Quality

100/100

OCF/NI: 2.19x

Accruals: -1.0%

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. OBK scores 2.24, 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. OBK 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. OBK's score of -2.53 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. OBK's implied 2.2% 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. OBK 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). OBK'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

18.19x

PEG

3.20x

P/S

2.45x

P/B

1.16x

P/FCF

7.88x

P/OCF

7.34x

EV/EBITDA

10.66x

EV/Revenue

2.05x

EV/EBIT

11.61x

EV/FCF

7.46x

Earnings Yield

6.22%

FCF Yield

12.69%

Shareholder Yield

3.20%

Graham Number

$48.15

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 18.2x earnings, OBK trades at a reasonable valuation. An earnings yield of 6.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $48.15 per share, suggesting a potential 2% 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

0.786

NI / EBT

Interest Burden

0.970

EBT / EBIT

EBIT Margin

0.177

EBIT / Rev

Asset Turnover

0.062

Rev / Assets

Equity Multiplier

8.112

Assets / Equity

ROE

6.7%

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. OBK's ROE of 6.7% is driven by financial leverage (equity multiplier: 8.11x). 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

6.22%

Fair P/E

20.95x

Intrinsic Value

$54.02

Price/Value

0.77x

Margin of Safety

23.25%

Premium

-23.25%

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 OBK's realized 6.2% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $54.02, OBK appears undervalued with a 23% margin of safety. The adjusted fair P/E of 20.9x compares to the current market P/E of 18.2x.

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

$47.35

Median 1Y

$47.26

5th Pctile

$25.94

95th Pctile

$86.10

Ann. Volatility

35.8%

Analyst Target

$54.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

988

-4.2% YoY

Revenue / Employee

$605,871

Rev: $598,601,000

Profit / Employee

$76,110

NI: $75,197,000

SGA / Employee

$158,350

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	13.5%	15.7%	15.8%	15.1%	14.1%	12.6%	10.4%	10.9%	10.9%	11.9%	8.3%	8.2%	8.1%	7.5%	6.9%	6.9%	6.3%	5.4%	6.3%	6.7%	6.73%
ROA	1.3%	1.5%	1.4%	1.3%	1.3%	1.1%	1.0%	1.0%	1.0%	1.1%	0.9%	0.8%	0.8%	0.8%	0.8%	0.8%	0.7%	0.6%	0.8%	0.8%	0.83%
ROIC	20.6%	24.0%	-10.7%	-10.2%	-9.6%	-8.5%	-41.9%	-43.6%	-43.8%	-47.7%	-43.4%	-42.5%	-42.1%	-39.1%	-30.0%	-29.9%	-27.4%	-23.5%	6.6%	7.0%	7.04%
ROCE	9.7%	11.3%	11.6%	11.1%	10.4%	9.1%	9.3%	9.7%	9.8%	10.8%	7.6%	7.5%	7.4%	6.9%	6.7%	6.7%	6.1%	5.3%	1.3%	1.4%	1.36%
Gross Margin	98.9%	96.7%	95.6%	92.6%	87.6%	71.3%	74.7%	63.6%	58.2%	57.4%	54.1%	55.9%	55.2%	53.6%	59.7%	61.5%	59.7%	44.5%	68.3%	66.9%	66.90%
Operating Margin	49.2%	47.7%	44.3%	35.4%	33.4%	18.5%	29.4%	22.6%	18.9%	19.7%	12.4%	18.6%	16.4%	14.8%	12.9%	19.1%	13.6%	6.8%	26.8%	23.8%	23.82%
Net Margin	39.5%	38.7%	37.8%	28.2%	27.3%	15.7%	23.9%	18.0%	14.8%	16.0%	9.5%	14.6%	12.9%	11.7%	10.3%	15.0%	10.7%	5.4%	19.5%	18.7%	18.70%
EBITDA Margin	51.7%	50.1%	46.6%	38.3%	36.0%	22.0%	33.1%	26.0%	22.0%	22.5%	15.4%	21.3%	18.9%	17.4%	16.2%	22.6%	16.5%	9.2%	27.8%	23.8%	23.82%
FCF Margin	40.3%	45.1%	57.3%	38.2%	37.3%	34.4%	36.3%	33.0%	30.0%	23.7%	17.9%	17.5%	10.9%	13.3%	14.0%	15.6%	18.6%	22.7%	24.8%	27.5%	27.48%
OCF Margin	42.4%	47.7%	59.0%	40.1%	39.9%	36.6%	38.5%	35.9%	32.7%	27.3%	22.5%	21.7%	15.3%	17.4%	17.6%	19.1%	21.5%	24.8%	26.5%	29.5%	29.50%
ROE 3Y Avg	snapshot only																				6.95%
ROE 5Y Avg	snapshot only																				8.93%
ROA 3Y Avg	snapshot only																				0.82%
ROIC 3Y Avg	snapshot only																				5.02%
ROIC Economic	snapshot only																				6.53%
Cash ROA	snapshot only																				1.81%
Cash ROIC	snapshot only																				14.96%
CROIC	snapshot only																				13.93%
NOPAT Margin	snapshot only																				13.89%
Pretax Margin	snapshot only																				17.13%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				27.28%
SBC / Revenue	snapshot only																				1.48%

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	11.10	9.53	8.72	9.09	8.93	11.95	12.24	10.34	9.43	8.60	12.70	11.47	11.83	13.01	13.40	14.10	15.88	17.98	15.54	16.07	18.194
P/S Ratio	3.17	3.23	3.26	3.27	2.93	3.14	2.84	2.15	1.70	1.54	1.85	1.58	1.57	1.59	1.66	1.76	1.90	1.84	1.95	2.17	2.448
P/B Ratio	1.44	1.44	1.30	1.29	1.19	1.42	1.13	0.99	0.91	0.90	1.00	0.89	0.91	0.93	0.90	0.94	0.97	0.94	0.94	1.04	1.162
P/FCF	7.88	7.17	5.69	8.56	7.88	9.12	7.82	6.51	5.66	6.50	10.32	9.01	14.38	11.98	11.86	11.26	10.22	8.10	7.87	7.88	7.881
P/OCF	7.49	6.78	5.52	8.15	7.35	8.58	7.37	5.97	5.21	5.64	8.19	7.28	10.26	9.11	9.45	9.20	8.84	7.42	7.35	7.34	7.341
EV/EBITDA	6.22	5.40	-5.72	-5.97	-6.94	-6.23	-0.72	-1.70	-2.25	-2.11	-1.55	-2.59	-2.45	-2.40	-3.29	-2.83	-2.72	-3.44	9.70	10.66	10.665
EV/Revenue	2.35	2.40	-2.74	-2.78	-2.95	-2.15	-0.23	-0.49	-0.58	-0.54	-0.33	-0.53	-0.48	-0.44	-0.61	-0.53	-0.50	-0.55	1.84	2.05	2.051
EV/EBIT	6.62	5.71	-6.01	-6.31	-7.38	-6.79	-0.80	-1.92	-2.59	-2.41	-1.81	-3.02	-2.84	-2.81	-3.86	-3.35	-3.26	-4.23	11.13	11.61	11.609
EV/FCF	5.84	5.32	-4.78	-7.27	-7.93	-6.25	-0.63	-1.48	-1.93	-2.28	-1.86	-3.01	-4.38	-3.31	-4.34	-3.40	-2.67	-2.42	7.40	7.46	7.463
Earnings Yield	9.0%	10.5%	11.5%	11.0%	11.2%	8.4%	8.2%	9.7%	10.6%	11.6%	7.9%	8.7%	8.5%	7.7%	7.5%	7.1%	6.3%	5.6%	6.4%	6.2%	6.22%
FCF Yield	12.7%	14.0%	17.6%	11.7%	12.7%	11.0%	12.8%	15.4%	17.7%	15.4%	9.7%	11.1%	7.0%	8.3%	8.4%	8.9%	9.8%	12.3%	12.7%	12.7%	12.69%
PEG Ratio	snapshot only																				3.197
Price/Tangible Book	snapshot only																				1.193
EV/OCF	snapshot only																				6.951
EV/Gross Profit	snapshot only																				3.443
Acquirers Multiple	snapshot only																				11.609
Shareholder Yield	snapshot only																				3.20%
Graham Number	snapshot only																				$48.15

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	0.23	0.23	0.35	0.35	0.35	0.35	0.26	0.26	0.26	0.26	0.18	0.18	0.18	0.18	0.19	0.19	0.19	0.19	0.05	0.05	0.053
Quick Ratio	0.23	0.23	0.35	0.35	0.35	0.35	0.26	0.26	0.26	0.26	0.18	0.18	0.18	0.18	0.19	0.19	0.19	0.19	0.05	0.05	0.053
Debt/Equity	1.76	1.76	0.64	0.64	0.64	0.64	0.89	0.89	0.89	0.89	0.26	0.26	0.26	0.26	0.15	0.15	0.15	0.15	0.03	0.03	0.029
Net Debt/Equity	-0.37	-0.37	-2.39	-2.39	-2.39	-2.39	-1.22	-1.22	-1.22	-1.22	-1.18	-1.18	-1.18	-1.18	-1.22	-1.22	-1.22	-1.22	-0.06	-0.06	-0.055
Debt/Assets	0.15	0.15	0.06	0.06	0.06	0.06	0.09	0.09	0.09	0.09	0.03	0.03	0.03	0.03	0.02	0.02	0.02	0.02	0.00	0.00	0.004
Debt/EBITDA	10.27	8.92	3.35	3.48	3.71	4.10	7.02	6.63	6.42	5.90	2.25	2.29	2.32	2.45	1.51	1.50	1.62	1.84	0.31	0.31	0.310
Net Debt/EBITDA	-2.16	-1.87	-12.52	-13.00	-13.83	-15.31	-9.68	-9.14	-8.86	-8.14	-10.17	-10.35	-10.47	-11.08	-12.28	-12.19	-13.12	-14.93	-0.60	-0.60	-0.597
Interest Coverage	3.59	4.48	5.21	5.22	4.89	3.39	2.09	1.27	0.82	0.66	0.47	0.42	0.40	0.36	0.37	0.38	0.37	0.35	0.48	0.54	0.536
Equity Multiplier	11.79	11.79	10.77	10.77	10.77	10.77	10.20	10.20	10.20	10.20	9.15	9.15	9.15	9.15	8.45	8.45	8.45	8.45	7.80	7.80	7.800
Cash Ratio	snapshot only																				0.053
Debt Service Coverage	snapshot only																				0.583
Cash to Debt	snapshot only																				2.927
FCF to Debt	snapshot only																				4.612
Defensive Interval	snapshot only																				151.9 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	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.062
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	2.33	2.29	2.05	2.04	2.09	2.33	2.15	2.51	2.90	3.18	5.51	5.70	5.86	5.92	—	—	—	—	—	—	—
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	157	160	178	179	174	157	169	146	126	115	66	64	62	62	0	0	0	0	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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	157	160	178	179	174	157	169	146	126	115	66	64	62	62	0	0	0	0	0	0	—
Fixed Asset Turnover	snapshot only																				4.809
Cash Velocity	snapshot only																				5.734
Capital Intensity	snapshot only																				16.277

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	6.3%	2.6%	1.2%	-2.8%	0.9%	14.4%	30.1%	52.7%	71.7%	69.1%	52.4%	35.5%	20.5%	11.2%	7.0%	2.5%	-4.5%	-5.4%	-2.9%	-2.2%	-2.20%
Net Income	1.5%	2.1%	2.0%	69.7%	16.0%	-11.5%	-19.2%	-11.9%	-5.7%	15.4%	-4.5%	-10.1%	-11.4%	-24.2%	-8.7%	-7.1%	-14.0%	-20.7%	-1.7%	5.5%	5.52%
EPS	1.5%	2.1%	2.0%	68.4%	15.1%	-26.6%	-38.2%	-32.2%	-27.3%	6.2%	-4.9%	-10.6%	-12.1%	-25.0%	-9.6%	-8.1%	-14.6%	-21.1%	-0.9%	6.2%	6.22%
FCF	8.2%	3.9%	27.4%	91.9%	-6.7%	-12.7%	-17.6%	31.8%	38.5%	16.3%	-24.9%	-28.0%	-56.2%	-37.8%	-16.2%	-8.6%	62.2%	62.1%	71.9%	71.9%	71.86%
EBITDA	1.4%	1.8%	1.7%	62.7%	13.4%	-11.1%	-14.0%	-5.4%	3.9%	25.2%	3.2%	-4.3%	-8.4%	-20.4%	-7.7%	-5.3%	-11.0%	-17.2%	-0.6%	-0.0%	-0.05%
Op. Income	1.6%	2.2%	2.0%	67.9%	13.6%	-13.9%	-18.9%	-11.7%	-4.1%	19.5%	-1.4%	-7.0%	-9.2%	-22.4%	-8.2%	-7.0%	-13.9%	-21.3%	1.6%	8.8%	8.85%
OCF Growth	snapshot only																				50.74%
Asset Growth	snapshot only																				0.48%
Equity Growth	snapshot only																				8.86%
Debt Growth	snapshot only																				-79.35%
Shares Change	snapshot only																				-0.66%
Dividend Growth	snapshot only																				-0.05%

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	75.2%	36.4%	18.1%	6.1%	5.1%	7.4%	12.0%	17.5%	22.6%	25.7%	26.2%	26.2%	27.8%	29.1%	28.5%	28.5%	25.5%	21.2%	16.6%	10.8%	10.75%
Revenue 5Y	—	—	—	—	—	—	—	—	56.3%	37.5%	26.7%	19.8%	19.2%	18.4%	18.0%	17.7%	16.2%	15.9%	15.8%	15.1%	15.06%
EPS 3Y	84.3%	57.7%	41.9%	25.6%	23.3%	9.8%	7.5%	19.8%	28.1%	33.8%	20.5%	0.7%	-9.7%	-16.4%	-19.0%	-17.7%	-18.3%	-14.3%	-5.2%	-4.5%	-4.46%
EPS 5Y	—	—	—	—	—	—	—	—	39.3%	25.1%	10.9%	3.7%	3.7%	1.1%	1.3%	7.1%	9.6%	7.3%	9.4%	-0.1%	-0.09%
Net Income 3Y	87.6%	57.5%	41.6%	25.6%	23.3%	16.9%	17.6%	31.2%	40.4%	46.7%	32.1%	10.4%	-1.0%	-8.2%	-11.0%	-9.7%	-10.4%	-11.5%	-5.0%	-4.1%	-4.13%
Net Income 5Y	—	—	—	—	—	—	—	—	48.5%	31.9%	17.0%	9.4%	9.4%	6.9%	7.3%	13.5%	16.1%	13.6%	15.6%	5.7%	5.66%
EBITDA 3Y	87.7%	56.6%	40.0%	24.4%	21.9%	16.0%	17.8%	31.0%	40.5%	46.6%	34.1%	13.8%	2.6%	-4.0%	-6.4%	-5.0%	-5.4%	-6.2%	-1.8%	-3.2%	-3.24%
EBITDA 5Y	—	—	—	—	—	—	—	—	50.7%	33.7%	19.5%	11.8%	11.5%	9.2%	9.3%	15.3%	17.7%	15.7%	17.2%	6.9%	6.87%
Gross Profit 3Y	74.6%	40.0%	23.7%	11.8%	10.8%	11.1%	13.5%	18.9%	23.0%	24.3%	20.9%	14.9%	11.1%	8.8%	7.7%	8.2%	7.5%	5.2%	4.9%	3.6%	3.60%
Gross Profit 5Y	—	—	—	—	—	—	—	—	48.5%	29.7%	18.1%	11.2%	11.0%	10.5%	10.8%	12.9%	13.5%	12.4%	12.9%	9.9%	9.93%
Op. Income 3Y	89.0%	58.7%	42.0%	26.0%	23.4%	16.2%	17.3%	31.2%	41.3%	48.1%	33.7%	11.3%	-0.4%	-7.2%	-9.8%	-8.6%	-9.1%	-9.9%	-2.8%	-2.0%	-1.98%
Op. Income 5Y	—	—	—	—	—	—	—	—	49.0%	32.7%	18.0%	10.4%	10.3%	7.8%	7.9%	14.3%	17.1%	14.7%	17.4%	6.9%	6.91%
FCF 3Y	3.0%	56.3%	53.0%	22.6%	19.8%	40.1%	39.6%	49.2%	1.3%	70.8%	—	22.1%	-17.3%	-14.2%	-19.6%	-4.6%	-0.5%	5.5%	2.7%	4.2%	4.20%
FCF 5Y	—	—	—	—	—	—	—	—	1.4%	31.1%	17.3%	11.8%	0.9%	14.8%	11.4%	16.9%	53.2%	38.1%	—	23.4%	23.39%
OCF 3Y	2.3%	53.9%	49.4%	18.3%	15.9%	31.8%	33.3%	45.9%	1.1%	70.6%	4.3%	26.3%	-9.0%	-7.7%	-14.2%	0.4%	2.0%	6.4%	2.9%	3.7%	3.69%
OCF 5Y	—	—	—	—	—	—	—	—	1.1%	32.2%	20.4%	13.2%	4.3%	15.4%	12.0%	18.1%	47.5%	36.5%	1.8%	22.4%	22.37%
Assets 3Y	22.5%	22.5%	17.7%	17.7%	17.7%	17.7%	22.1%	22.1%	22.1%	22.1%	8.4%	8.4%	8.4%	8.4%	7.2%	7.2%	7.2%	7.2%	0.1%	0.1%	0.13%
Assets 5Y	—	—	—	—	—	—	—	—	18.5%	18.5%	15.1%	15.1%	15.1%	15.1%	12.7%	12.7%	12.7%	12.7%	5.0%	5.0%	4.98%
Equity 3Y	15.5%	15.5%	9.9%	9.9%	9.9%	9.9%	16.6%	16.6%	16.6%	16.6%	18.0%	18.0%	18.0%	18.0%	16.2%	16.2%	16.2%	16.2%	9.5%	9.5%	9.48%
Book Value 3Y	13.4%	15.6%	10.1%	9.9%	9.9%	3.3%	6.5%	6.5%	6.4%	6.4%	7.7%	7.6%	7.6%	7.5%	5.8%	5.9%	6.0%	12.5%	9.2%	9.1%	9.11%
Dividend 3Y	2.8%	7.8%	9.3%	10.8%	8.8%	3.2%	1.7%	2.7%	3.2%	-0.6%	-3.9%	-6.8%	-8.5%	-8.6%	-8.7%	-8.5%	-8.4%	-2.9%	0.0%	-0.4%	-0.36%

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	0.73	0.70	0.75	0.77	0.91	0.88	0.76	0.68	0.88	0.86	0.84	0.77	0.77	0.79	0.84	0.86	0.82	0.82	0.86	0.87	0.865
Earnings Stability	0.69	0.59	0.55	0.67	0.83	0.66	0.58	0.70	0.81	0.74	0.53	0.57	0.51	0.36	0.24	0.30	0.16	0.03	0.05	0.00	0.000
Margin Stability	0.88	0.86	0.85	0.86	0.86	0.86	0.85	0.85	0.84	0.83	0.81	0.81	0.80	0.79	0.78	0.77	0.78	0.81	0.85	0.86	0.862
Rev. Growth Consistency	1.00	1.00	1.00	0.00	1.00	1.00	1.00	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.500
FCF Positive Streak	1	1	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.50	0.94	0.95	0.92	0.95	0.98	0.94	0.98	0.96	0.95	0.90	0.97	0.97	0.94	0.92	0.99	0.98	0.978
Earnings Smoothness	0.13	0.00	0.00	0.48	0.85	0.88	0.79	0.87	0.94	0.86	0.95	0.89	0.88	0.72	0.91	0.93	0.85	0.77	0.98	0.95	0.946
ROE Trend	0.05	0.08	0.08	0.06	0.04	0.02	-0.01	-0.02	-0.03	-0.03	-0.04	-0.04	-0.04	-0.04	-0.02	-0.02	-0.03	-0.04	-0.01	-0.01	-0.007
Gross Margin Trend	0.12	0.20	0.24	0.23	0.18	0.07	-0.01	-0.13	-0.23	-0.25	-0.29	-0.28	-0.24	-0.19	-0.13	-0.07	-0.03	-0.03	0.01	0.03	0.027
FCF Margin Trend	0.25	0.33	0.49	0.20	0.15	0.07	0.09	0.04	-0.09	-0.16	-0.29	-0.18	-0.23	-0.16	-0.13	-0.10	-0.02	0.04	0.09	0.11	0.109
Sustainable Growth Rate	11.9%	14.0%	14.1%	13.3%	12.3%	10.5%	8.6%	8.8%	8.7%	9.7%	6.5%	6.3%	6.2%	5.7%	5.2%	5.2%	4.6%	3.7%	4.7%	5.2%	5.16%
Internal Growth Rate	1.2%	1.4%	1.3%	1.2%	1.1%	0.9%	0.8%	0.8%	0.8%	0.9%	0.7%	0.7%	0.7%	0.6%	0.6%	0.6%	0.5%	0.4%	0.6%	0.6%	0.64%

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	1.48	1.41	1.58	1.11	1.22	1.39	1.66	1.73	1.81	1.53	1.55	1.58	1.15	1.43	1.42	1.53	1.80	2.42	2.11	2.19	2.190
FCF/OCF	0.95	0.95	0.97	0.95	0.93	0.94	0.94	0.92	0.92	0.87	0.79	0.81	0.71	0.76	0.80	0.82	0.86	0.92	0.93	0.93	0.931
FCF/Net Income	snapshot only																				2.040
OCF/EBITDA	snapshot only																				1.534
CapEx/Revenue	2.1%	2.6%	1.7%	1.9%	2.7%	2.2%	2.2%	3.0%	2.6%	3.6%	4.7%	4.2%	4.4%	4.2%	3.6%	3.5%	2.9%	2.1%	1.7%	2.0%	2.02%
CapEx/Depreciation	snapshot only																				1.292
Accruals Ratio	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.01	-0.010
Sloan Accruals	snapshot only																				0.492
Cash Flow Adequacy	snapshot only																				5.704
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	1.1%	1.2%	1.2%	1.3%	1.5%	1.4%	1.5%	1.8%	2.1%	2.2%	1.7%	2.0%	1.9%	1.9%	1.8%	1.8%	1.7%	1.7%	1.6%	1.5%	1.48%
Dividend/Share	$0.42	$0.46	$0.49	$0.52	$0.54	$0.50	$0.51	$0.56	$0.60	$0.60	$0.60	$0.60	$0.60	$0.60	$0.60	$0.60	$0.60	$0.60	$0.61	$0.60	$0.70
Payout Ratio	11.8%	11.1%	10.6%	11.8%	13.1%	16.6%	18.1%	19.1%	20.1%	18.6%	22.2%	22.7%	22.9%	24.7%	24.5%	24.7%	27.0%	31.4%	25.1%	23.4%	23.38%
FCF Payout Ratio	8.4%	8.3%	6.9%	11.1%	11.6%	12.6%	11.6%	12.0%	12.1%	14.0%	18.0%	17.8%	27.9%	22.8%	21.7%	19.7%	17.4%	14.2%	12.7%	11.5%	11.46%
Total Payout Ratio	13.3%	12.3%	11.8%	11.8%	13.1%	16.6%	18.1%	19.1%	20.1%	18.6%	22.2%	22.7%	22.9%	24.7%	24.5%	24.7%	33.3%	54.6%	46.1%	51.5%	51.51%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0
Chowder Number	0.16	0.26	0.31	0.37	0.30	0.34	0.39	0.44	0.47	0.31	0.19	0.09	0.03	0.03	0.03	0.03	0.03	0.02	0.02	0.01	0.014
Buyback Yield	0.1%	0.1%	0.1%	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%	0.4%	1.3%	1.4%	1.7%	1.75%
Net Buyback Yield	0.1%	0.1%	0.1%	-0.0%	-0.0%	-0.1%	-0.3%	-0.4%	-0.4%	-0.3%	-0.3%	-0.3%	-0.3%	-0.4%	-0.2%	-0.2%	0.2%	1.2%	1.3%	1.5%	1.53%
Total Shareholder Return	1.2%	1.3%	1.3%	1.3%	1.5%	1.3%	1.2%	1.5%	1.7%	1.8%	1.4%	1.7%	1.7%	1.6%	1.6%	1.5%	1.9%	2.9%	2.9%	3.0%	2.99%

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)	0.80	0.81	0.82	0.82	0.82	0.83	0.82	0.82	0.81	0.80	0.79	0.79	0.79	0.78	0.79	0.79	0.79	0.79	0.79	0.79	0.786
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.97	0.97	0.970
EBIT Margin	0.36	0.42	0.46	0.44	0.40	0.32	0.28	0.25	0.22	0.22	0.18	0.17	0.17	0.16	0.16	0.16	0.15	0.13	0.17	0.18	0.177
Asset Turnover	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.062
Equity Multiplier	10.39	10.39	11.25	11.25	11.25	11.25	10.44	10.44	10.44	10.44	9.64	9.64	9.64	9.64	8.79	8.79	8.79	8.79	8.11	8.11	8.112

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)	$3.55	$4.14	$4.60	$4.36	$4.09	$3.04	$2.84	$2.96	$2.97	$3.23	$2.70	$2.64	$2.61	$2.42	$2.44	$2.43	$2.23	$1.91	$2.42	$2.58	$2.58
Book Value/Share	$27.42	$27.41	$30.93	$30.72	$30.70	$25.64	$30.77	$30.76	$30.77	$30.70	$34.29	$34.20	$34.14	$34.02	$36.58	$36.46	$36.56	$36.52	$40.13	$39.95	$40.73
Tangible Book/Share	$25.55	$25.54	$28.07	$27.88	$27.86	$23.27	$24.32	$24.31	$24.31	$24.26	$28.17	$28.09	$28.05	$27.95	$31.27	$31.17	$31.25	$31.22	$34.91	$34.76	$34.76
Revenue/Share	$12.43	$12.20	$12.30	$12.11	$12.44	$11.57	$12.25	$14.24	$16.46	$18.01	$18.59	$19.18	$19.67	$19.83	$19.69	$19.45	$18.67	$18.69	$19.27	$19.15	$19.31
FCF/Share	$5.01	$5.51	$7.05	$4.63	$4.64	$3.98	$4.44	$4.70	$4.95	$4.26	$3.33	$3.36	$2.15	$2.63	$2.76	$3.04	$3.47	$4.24	$4.78	$5.26	$5.31
OCF/Share	$5.27	$5.82	$7.26	$4.86	$4.97	$4.24	$4.72	$5.12	$5.38	$4.92	$4.19	$4.17	$3.01	$3.46	$3.46	$3.72	$4.01	$4.63	$5.11	$5.65	$5.70
Cash/Share	$58.54	$58.52	$93.62	$92.98	$92.92	$77.61	$64.81	$64.78	$64.80	$64.65	$49.49	$49.36	$49.28	$49.11	$50.23	$50.07	$50.20	$50.15	$3.35	$3.34	$3.94
EBITDA/Share	$4.71	$5.42	$5.90	$5.64	$5.30	$4.00	$3.88	$4.11	$4.24	$4.61	$3.99	$3.91	$3.85	$3.63	$3.64	$3.66	$3.41	$2.99	$3.65	$3.68	$3.68
Debt/Share	$48.37	$48.35	$19.79	$19.65	$19.64	$16.40	$27.24	$27.23	$27.24	$27.18	$8.97	$8.94	$8.93	$8.89	$5.51	$5.49	$5.50	$5.50	$1.15	$1.14	$1.14
Net Debt/Share	$-10.17	$-10.17	$-73.83	$-73.33	$-73.28	$-61.20	$-37.56	$-37.54	$-37.56	$-37.47	$-40.53	$-40.42	$-40.35	$-40.21	$-44.73	$-44.58	$-44.70	$-44.65	$-2.21	$-2.20	$-2.20

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	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.241
Altman Z-Prime	snapshot only																				-0.827
Piotroski F-Score	7	7	7	7	6	6	5	5	5	6	5	5	5	5	6	6	5	4	6	7	7
Beneish M-Score	-2.37	-2.30	-2.65	-2.58	-2.47	-2.20	-1.78	-1.55	-1.51	-1.81	-3.01	-3.17	-3.24	-3.31	-2.57	-2.60	-2.72	-2.41	-2.42	-2.53	-2.530
Ohlson O-Score	snapshot only																				-3.781
Net-Net WC	snapshot only																				$-268.36
EVA	snapshot only																				$-34847088.61

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	56.72	58.74	80.01	67.24	66.16	64.61	55.78	57.88	57.89	58.19	73.18	73.44	61.17	56.26	73.73	73.79	73.52	72.65	67.14	67.65	67.646
Credit Grade	snapshot only																				7
Credit Trend	snapshot only																				-6.142
Implied Spread (bps)	snapshot only																				175.000
Industry Credit Rank	snapshot only																				58
Sector Credit Rank	snapshot only																				57

OBK 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

Workforce & Productivity

Scaling Efficiency

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