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Also trades as: OCFCP (NASDAQ) · $vol 0M

OCFC NASDAQ

OceanFirst Financial Corp.
1W: +3.6% 1M: -0.3% 3M: -14.6% YTD: -3.6% 1Y: -6.9% 3Y: +43.8% 5Y: -4.4%
$16.67
+0.19 (+1.15%)
 
Weekly Expected Move ±3.3%
$16 $16 $17 $17 $18
NASDAQ · Financial Services · Banks - Regional · Tech Score Neutral · Power 46 · $1.6B mcap · 85M float · 1.26% daily turnover · Short 51% of daily vol
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

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

NO EDGE
32.3 / 100
NoneWeakNarrowWide
Primary source: Efficient Scale  ·  ROIC: 2.0%  ·  5Y Avg: -16.0%
Cost Advantage
34
Intangibles
33
Switching Cost
28
Network Effect
28
Scale ★
40
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. OCFC has No discernible competitive edge (32.3/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. ROIC of 2.0% 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
$18
Low
$18
Avg Target
$18
High
Based on 2 analyst ratings (12 mo)
Analyst Recommendations
Strong Buy: 1Buy: 2Hold: 5Sell: 0Strong Sell: 0
Rating Summary
ConsensusHold
Avg Target$18.00
Analysts1
Price Target Change History
DateFirmAnalystOldNewChangeUpside @ CallStock@Call
2026-10-06 Piper Sandler — $19 $18 -1 +7.0% $16.82
2026-06-12 Piper Sandler Manuel Navas $17 $19 +2 +3.3% $18.40
2025-10-27 Raymond James — $22 $23 +1 +23.4% $18.64
2024-10-21 Raymond James Daniel Tamayo $21 $22 +1 +15.2% $19.10
2024-10-18 Piper Sandler Frank Schiraldi Initiated $17 — -12.6% $19.46
2024-07-22 D.A. Davidson Manuel Navas Initiated $19 — +8.8% $17.47
2024-01-05 Raymond James Daniel Tamayo $28 $21 -7 +21.9% $17.23
2022-05-02 Raymond James — Initiated $28 — +48.5% $18.86

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.

C
Oct 27, 2026
DCF
1
ROE
2
ROA
1
D/E
2
P/E
1
P/B
4
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. OCFC receives an overall rating of C. Strongest factors: P/B (4/5). Areas of concern: DCF (1/5), ROE (2/5), ROA (1/5), D/E (2/5), P/E (1/5).
Rating Change History
DateFromTo
2026-10-26 C+ C
2026-10-19 B- C+
2026-10-14 C+ B-
2026-10-12 B- C+
2026-10-01 C+ B-
2026-08-03 C C+
2026-07-31 C+ C
2026-07-21 B- C+
2026-07-16 C+ B-
2026-07-08 B- C+

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.

★ ★ ★ ★ ★ 37 Grade C
Profitability
19
Balance Sheet
51
Earnings Quality
86
Growth
24
Value
70
Momentum
58
Safety
50
Cash Flow
71
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. OCFC scores highest in Earnings Quality (86/100) and lowest in Profitability (19/100). A grade of C represents mixed fundamentals — strengths in some areas offset by weaknesses.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score
1.91
Grey Zone
Piotroski F-Score
5/9
✓ ✓ ✗ ✓ ✗ ✓ ✗ ✓ ✗
Beneish M-Score
-1.35
Possible Manipulator
Ohlson O-Score
-5.50
Bankruptcy prob: 0.4%
Low Risk
Credit Rating
BB+
Score: 49.2/100
Trend: Improving
Earnings Quality
100/100
OCF/NI: 2.54x
Accruals: -0.4%
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. OCFC scores 1.91, 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. OCFC 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. OCFC's score of -1.35 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. OCFC's implied 0.4% 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. OCFC receives an estimated rating of BB+ (score: 49.2/100), 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). OCFC'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
23.25x
PEG
-0.53x
P/S
1.93x
P/B
0.68x
P/FCF
12.05x
P/OCF
11.16x
EV/EBITDA
16.11x
EV/Revenue
1.84x
EV/EBIT
20.39x
EV/FCF
11.56x
Earnings Yield
3.53%
FCF Yield
8.30%
Shareholder Yield
4.26%
Graham Number
$22.95
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 23.3x earnings, OCFC commands a growth premium. Graham's intrinsic value formula yields $22.95 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
0.749
NI / EBT
×
Interest Burden
1.000
EBT / EBIT
×
EBIT Margin
0.090
EBIT / Rev
×
Asset Turnover
0.039
Rev / Assets
×
Equity Multiplier
9.028
Assets / Equity
=
ROE
2.4%
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. OCFC's ROE of 2.4% is driven by financial leverage (equity multiplier: 9.03x). 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
0.00%
Fair P/E
8.50x
Intrinsic Value
$5.80
Price/Value
3.33x
Margin of Safety
-233.47%
Premium
233.47%
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 OCFC's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. OCFC trades at a 233% premium to its adjusted intrinsic value of $5.80, 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 23.3x.

Profitability Trends

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

Leverage & Solvency Trends

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

Efficiency & Working Capital Trends

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

Growth Trends (YoY %)

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

Earnings Stability

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

Monte Carlo Price Simulation

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

Current Price
$16.67
Median 1Y
$15.63
5th Pctile
$8.48
95th Pctile
$28.82
Ann. Volatility
37.6%
Analyst Target
$18.00
25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

ExecutiveSalaryStockTotal
Christopher D. Maher,
Chairman and CEO of the Company and the Bank
$995,000 $1,036,159 $3,124,340
Joseph J. Lebel
lll, President and Chief Operating Officer of the Bank
$575,000 $946,472 $2,177,955
Patrick S. Barrett,
Senior Executive Vice President and CFO of the Company and the Bank
$575,000 $547,984 $1,759,950
Michele B. Estep,
Senior Executive Vice President and Chief Administrative Officer of the Bank
$437,750 $498,176 $1,290,528
Steven J. Tsimbinos,
Senior Executive Vice President, General Counsel and Corporate Secretary of the Company and the Bank
$437,750 $498,176 $1,289,632

CEO Pay Ratio

135:1
CEO-to-Employee Pay Ratio
CEO Total Comp: $3,124,340
Avg Employee Cost (SGA/emp): $23,099
Employees: 898

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
898
-5.6% YoY
Revenue / Employee
$730,063
Rev: $655,597,000
Profit / Employee
$79,040
NI: $70,978,000
SGA / Employee
$23,099
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 Trend 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 8.1% 7.3% 6.8% 6.7% 7.6% 9.5% 9.5% 9.4% 8.2% 6.4% 6.4% 6.1% 6.4% 6.0% 5.5% 5.3% 4.8% 4.2% 4.1% 2.4% 2.36%
ROA 1.0% 0.9% 0.9% 0.8% 0.9% 1.2% 1.2% 1.1% 1.0% 0.8% 0.8% 0.8% 0.8% 0.7% 0.7% 0.7% 0.6% 0.5% 0.5% 0.3% 0.26%
ROIC 20.4% 10.1% 9.0% 6.3% 6.9% 6.0% 6.6% 7.1% 7.8% 5.8% 5.4% 4.9% 5.4% 5.0% 4.8% 4.5% 3.8% 3.7% 3.8% 2.0% 2.04%
ROCE 8.3% 7.5% 6.7% 5.2% 5.7% 5.8% 5.6% 5.9% 5.9% 4.5% 4.5% 4.1% 4.2% 4.0% 3.9% 3.7% 2.7% 2.6% 0.6% 0.3% 0.28%
Gross Margin 94.6% 93.5% 91.3% 90.6% 87.5% 82.5% 69.1% 62.5% 53.8% 55.8% 56.0% 52.6% 54.4% 53.3% 55.8% 57.5% 56.4% 49.2% 55.2% 57.6% 57.60%
Operating Margin 33.5% 27.6% 34.1% 36.4% 41.1% 45.1% 26.1% 23.4% 16.1% 21.2% 22.7% 18.6% 18.7% 16.0% 17.3% 15.0% 13.0% 10.7% 16.3% -1.2% -1.21%
Net Margin 25.7% 23.4% 26.1% 27.5% 31.0% 34.0% 19.9% 17.6% 12.3% 16.2% 16.6% 14.4% 14.3% 12.8% 13.1% 11.5% 10.0% 8.3% 12.3% -1.4% -1.45%
EBITDA Margin 37.2% 32.4% 38.2% 40.3% 44.4% 47.9% 29.1% 25.9% 18.5% 23.7% 24.9% 20.8% 20.7% 18.0% 19.4% 17.2% 15.1% 13.0% 18.5% 1.6% 1.59%
FCF Margin 22.5% 30.3% 35.6% 27.6% 50.8% 47.3% 38.4% 35.7% 29.5% 18.3% 20.9% 13.2% 1.9% 12.3% 5.2% 6.4% 13.3% 12.0% 16.0% 15.9% 15.93%
OCF Margin 30.3% 41.1% 47.1% 37.3% 59.0% 51.6% 41.3% 38.1% 30.8% 19.5% 21.8% 14.4% 3.0% 13.4% 6.5% 7.3% 14.3% 13.2% 17.2% 17.2% 17.20%
ROE 3Y Avg snapshot only 4.46%
ROE 5Y Avg snapshot only 5.82%
ROA 3Y Avg snapshot only 0.54%
ROIC Economic snapshot only 1.02%
Cash ROA snapshot only 0.52%
Cash ROIC snapshot only 5.16%
CROIC snapshot only 4.78%
NOPAT Margin snapshot only 6.78%
Pretax Margin snapshot only 9.04%
R&D / Revenue snapshot only 0.00%
SGA / Revenue snapshot only 8.67%
SBC / Revenue snapshot only 1.05%
Valuation
Metric Trend 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 8.51 9.65 9.38 9.16 7.87 7.15 6.20 5.38 5.73 8.70 8.21 8.27 9.33 9.71 9.95 11.01 12.04 13.95 14.41 28.34 23.253
P/S Ratio 2.50 2.73 2.52 2.36 2.15 2.16 1.75 1.37 1.19 1.42 1.28 1.23 1.43 1.41 1.36 1.43 1.43 1.50 1.52 1.92 1.928
P/B Ratio 0.68 0.70 0.64 0.61 0.59 0.66 0.57 0.49 0.45 0.54 0.52 0.50 0.58 0.57 0.54 0.59 0.58 0.60 0.60 0.56 0.682
P/FCF 11.15 9.01 7.10 8.54 4.22 4.57 4.57 3.85 4.04 7.76 6.16 9.31 75.85 11.48 25.97 22.30 10.72 12.46 9.47 12.05 12.049
P/OCF 8.26 6.64 5.35 6.31 3.64 4.19 4.25 3.60 3.88 7.28 5.90 8.57 47.91 10.54 20.85 19.60 10.00 11.36 8.83 11.16 11.160
EV/EBITDA 0.59 4.07 4.04 6.99 6.46 9.03 7.44 5.89 4.08 6.82 7.31 8.20 8.10 8.82 8.72 9.88 11.89 11.77 11.26 16.11 16.113
EV/Revenue 0.25 1.64 1.56 2.59 2.53 3.92 3.02 2.15 1.23 1.64 1.70 1.80 1.82 1.86 1.72 1.86 2.07 1.91 1.80 1.84 1.842
EV/EBIT 0.64 4.49 4.51 7.84 7.18 9.80 8.07 6.39 4.48 7.64 8.15 9.17 8.98 9.79 9.76 11.11 13.52 13.60 13.07 20.39 20.387
EV/FCF 1.11 5.42 4.38 9.39 4.98 8.28 7.86 6.04 4.17 8.97 8.13 13.66 96.36 15.12 32.82 29.05 15.56 15.82 11.21 11.56 11.563
Earnings Yield 11.7% 10.4% 10.7% 10.9% 12.7% 14.0% 16.1% 18.6% 17.4% 11.5% 12.2% 12.1% 10.7% 10.3% 10.0% 9.1% 8.3% 7.2% 6.9% 3.5% 3.53%
FCF Yield 9.0% 11.1% 14.1% 11.7% 23.7% 21.9% 21.9% 26.0% 24.7% 12.9% 16.2% 10.7% 1.3% 8.7% 3.9% 4.5% 9.3% 8.0% 10.6% 8.3% 8.30%
Price/Tangible Book snapshot only 0.758
EV/OCF snapshot only 10.709
EV/Gross Profit snapshot only 3.358
Acquirers Multiple snapshot only 20.387
Shareholder Yield snapshot only 4.26%
Graham Number snapshot only $22.95
Leverage & Solvency
Metric Trend 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 0.13 0.08 0.08 0.07 0.07 0.07 0.10 0.09 0.09 0.09 0.09 0.09 0.12 0.10 0.09 0.09 0.15 0.13 2.77 5.96 5.961
Quick Ratio 0.13 0.08 0.08 0.07 0.07 0.07 0.10 0.09 0.09 0.09 0.09 0.09 0.12 0.10 0.09 0.09 0.15 0.13 2.77 5.96 5.961
Debt/Equity 0.25 0.23 0.25 0.52 0.52 0.93 1.00 0.84 0.54 0.63 0.69 0.77 0.82 0.74 0.68 0.73 1.19 0.98 0.90 0.95 0.949
Net Debt/Equity -0.61 -0.28 -0.24 0.06 0.11 0.54 0.41 0.28 0.01 0.08 0.17 0.23 0.16 0.18 0.14 0.18 0.26 0.16 0.11 -0.02 -0.023
Debt/Assets 0.03 0.03 0.03 0.06 0.06 0.11 0.12 0.10 0.07 0.08 0.09 0.10 0.10 0.09 0.09 0.09 0.14 0.11 0.10 0.10 0.098
Debt/EBITDA 2.15 2.23 2.62 5.39 4.83 7.02 7.56 6.43 4.72 6.84 7.40 8.63 8.99 8.67 8.61 9.42 16.80 15.29 14.19 28.28 28.282
Net Debt/EBITDA -5.34 -2.69 -2.50 0.63 0.99 4.05 3.12 2.14 0.12 0.92 1.77 2.61 1.72 2.12 1.82 2.30 3.69 2.50 1.75 -0.68 -0.678
Interest Coverage 3.65 3.87 4.11 4.14 3.97 3.61 2.26 1.43 0.90 0.57 0.51 0.46 0.46 0.42 0.40 0.39 0.37 0.33 0.32 0.21 0.207
Equity Multiplier 7.82 7.74 8.01 8.18 8.24 8.27 8.42 8.33 8.25 8.15 8.06 7.95 7.96 7.89 7.79 8.11 8.67 8.76 8.72 9.65 9.651
Cash Ratio snapshot only 38.183
Debt Service Coverage snapshot only 0.262
Cash to Debt snapshot only 1.024
FCF to Debt snapshot only 0.049
Defensive Interval snapshot only 2739.9 days
Efficiency & Turnover
Metric Trend 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 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.039
Inventory Turnover — — — — — — — — — — — — — — — — — — — — —
Receivables Turnover 11.19 11.46 11.59 12.70 12.00 12.55 13.04 14.09 14.07 13.19 13.42 13.78 13.93 14.07 13.95 14.21 13.96 13.91 14.04 10.44 10.438
Payables Turnover — — — — — — — — — — — — — — — — — — — — —
DSO 33 32 32 29 30 29 28 26 26 28 27 26 26 26 26 26 26 26 26 35 35.0 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 33 32 32 29 30 29 28 26 26 28 27 26 26 26 26 26 26 26 26 35 —
Fixed Asset Turnover snapshot only 5.586
Cash Velocity snapshot only 0.302
Capital Intensity snapshot only 32.900
Growth (YoY)
Metric Trend 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 1.8% -10.2% -10.1% -4.9% 3.9% 24.8% 37.3% 46.5% 46.3% 31.3% 27.3% 17.8% 10.7% 8.0% 1.3% -1.0% -2.2% -4.0% -2.3% 4.8% 4.79%
Net Income 1.2% 73.9% 29.8% 11.1% -3.7% 33.2% 44.2% 45.3% 11.8% -29.0% -29.5% -31.3% -18.3% -3.8% -11.4% -13.6% -24.6% -29.1% -24.7% -45.3% -45.31%
EPS 1.3% 77.0% 32.3% 12.9% -2.6% 33.8% 44.3% 44.9% 11.2% -29.5% -29.4% -30.4% -16.9% -2.0% -10.3% -12.9% -23.2% -27.7% -23.3% -54.9% -54.92%
FCF -31.9% 0.0% 55.7% -33.5% 1.4% 94.6% 48.0% 89.6% -15.0% -49.2% -30.8% -56.4% -92.9% -27.3% -74.5% -51.9% 5.9% -6.1% 2.0% 1.6% 1.60%
EBITDA 1.2% 64.1% 25.0% 9.1% -3.6% 33.9% 44.2% 44.6% 12.5% -27.2% -27.1% -29.2% -17.4% -5.2% -13.8% -15.1% -24.3% -26.4% -21.0% -36.4% -36.42%
Op. Income 1.5% 75.5% 27.7% 8.7% -5.7% 36.3% 48.4% 49.7% 14.1% -29.5% -29.1% -31.3% -18.3% -4.4% -14.1% -15.6% -26.3% -29.3% -23.8% -43.5% -43.51%
OCF Growth snapshot only 1.47%
Asset Growth snapshot only 74.60%
Equity Growth snapshot only 46.76%
Debt Growth snapshot only 90.86%
Shares Change snapshot only 21.33%
Dividend Growth snapshot only -25.37%
Growth (CAGR)
Metric Trend 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 13.4% 8.2% 6.1% 6.2% 8.0% 12.0% 12.3% 14.1% 15.7% 13.7% 16.2% 17.9% 18.9% 20.9% 21.0% 19.6% 16.5% 10.8% 8.0% 6.9% 6.92%
Revenue 5Y 25.3% 20.7% 16.8% 15.5% 15.8% 18.0% 17.8% 17.6% 17.2% 15.7% 15.9% 15.6% 15.3% 14.8% 12.8% 11.6% 10.9% 8.8% 9.2% 11.2% 11.23%
EPS 3Y 21.3% 7.9% 0.0% -1.0% 3.1% 12.5% 22.1% 21.4% 34.8% 18.6% 10.5% 4.5% -3.4% -2.6% -3.0% -4.2% -10.8% -20.7% -21.4% -35.1% -35.10%
EPS 5Y 18.7% 17.9% 13.4% 10.3% 11.1% 14.3% 25.8% 22.6% 14.1% 3.4% 0.4% -0.4% 0.2% -0.4% 2.9% 1.7% 9.3% 3.4% -1.5% -14.9% -14.86%
Net Income 3Y 29.8% 15.2% 5.6% 3.7% 8.1% 18.3% 21.0% 20.9% 34.1% 18.0% 9.7% 3.5% -4.2% -3.1% -3.4% -4.8% -11.7% -21.5% -22.2% -31.3% -31.27%
Net Income 5Y 40.2% 36.7% 27.3% 23.8% 24.6% 28.1% 32.9% 27.4% 18.6% 7.7% 3.6% 2.2% 2.9% 2.5% 2.1% 0.9% 8.2% 2.3% -2.5% -12.1% -12.12%
EBITDA 3Y 26.1% 17.0% 7.9% 6.2% 10.3% 20.7% 23.0% 22.1% 33.9% 16.9% 9.5% 3.7% -3.6% -2.6% -3.2% -4.6% -11.1% -20.2% -20.8% -27.5% -27.45%
EBITDA 5Y 34.7% 31.0% 23.8% 20.8% 21.8% 23.3% 26.7% 23.2% 16.8% 9.3% 5.7% 4.1% 4.5% 3.9% 3.1% 1.8% 8.4% 2.2% -2.2% -9.6% -9.63%
Gross Profit 3Y 14.8% 10.8% 9.1% 9.0% 10.3% 13.4% 12.7% 12.3% 13.9% 7.5% 6.2% 3.9% 0.4% 0.7% 0.6% 0.7% -0.9% -5.1% -5.5% -3.6% -3.60%
Gross Profit 5Y 25.6% 21.8% 17.8% 16.2% 16.1% 17.6% 16.0% 13.9% 11.0% 7.3% 6.6% 5.7% 5.6% 5.1% 4.0% 4.0% 6.0% 3.4% 2.6% 3.2% 3.22%
Op. Income 3Y 28.7% 18.5% 8.1% 5.9% 10.3% 21.8% 24.5% 23.8% 38.6% 19.1% 10.3% 3.8% -4.2% -2.8% -3.3% -4.6% -11.8% -21.9% -22.6% -31.1% -31.08%
Op. Income 5Y 36.0% 32.2% 24.5% 21.3% 22.6% 24.3% 28.6% 25.1% 18.0% 9.8% 5.8% 4.1% 4.6% 4.0% 3.3% 1.9% 9.9% 2.7% -2.5% -11.8% -11.83%
FCF 3Y 46.0% 13.3% 6.6% -0.7% 26.0% 34.1% 19.0% 21.5% 10.8% -0.4% 16.9% -18.1% -47.9% -10.5% -36.1% -26.5% -25.5% -29.8% -19.2% -18.3% -18.29%
FCF 5Y 14.3% 35.3% 35.4% 22.4% 41.2% 48.8% 50.4% 46.2% 44.1% 7.5% 4.4% -4.1% -34.5% -2.3% -21.6% -17.8% -7.9% -7.6% 4.0% -7.2% -7.21%
OCF 3Y 15.9% 20.0% 13.7% 7.8% 30.7% 35.7% 19.9% 21.8% 9.5% -2.2% 11.3% -19.9% -45.0% -16.8% -37.4% -30.6% -27.4% -29.6% -19.3% -18.0% -17.97%
OCF 5Y 18.7% 37.4% 37.6% 25.7% 38.3% 25.6% 23.4% 21.2% 19.2% 6.1% 3.5% -3.6% -28.8% -1.7% -18.8% -16.6% -8.0% -8.0% 1.5% -8.5% -8.55%
Assets 3Y 16.1% 16.0% 14.6% 15.7% 16.0% 16.7% 8.9% 6.1% 5.0% 5.7% 5.0% 5.1% 4.5% 4.6% 3.0% 2.3% 4.1% 3.6% 2.4% 19.8% 19.79%
Assets 5Y 23.3% 17.8% 18.5% 19.0% 18.7% 19.3% 12.6% 11.8% 12.3% 12.5% 10.6% 10.7% 10.6% 10.2% 4.9% 3.3% 4.2% 4.9% 4.7% 15.2% 15.17%
Equity 3Y 13.7% 13.4% 10.5% 10.2% 10.4% 11.2% 4.5% 3.3% 3.8% 3.8% 3.6% 3.6% 3.8% 3.9% 4.0% 2.6% 2.4% 1.6% 1.2% 14.0% 14.05%
Book Value 3Y 6.2% 6.2% 4.7% 5.1% 5.2% 5.7% 5.4% 3.7% 4.3% 4.4% 4.3% 4.5% 4.7% 4.5% 4.5% 3.3% 3.4% 2.7% 2.3% 7.7% 7.70%
Dividend 3Y -3.1% -5.2% -4.8% -5.0% -3.8% -2.8% 4.5% 5.4% 4.2% 3.1% 2.1% 1.0% 0.8% 0.3% 0.0% 0.3% -0.1% -0.7% -1.4% -8.6% -8.64%
Growth Quality
Metric Trend 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 0.87 0.83 0.85 0.90 0.88 0.85 0.82 0.81 0.81 0.80 0.83 0.86 0.90 0.85 0.83 0.83 0.84 0.84 0.90 0.900
Earnings Stability 0.72 0.77 0.78 0.81 0.70 0.77 0.78 0.80 0.67 0.46 0.41 0.35 0.33 0.18 0.13 0.05 0.03 0.00 0.06 0.26 0.260
Margin Stability 0.90 0.90 0.91 0.93 0.90 0.90 0.91 0.91 0.85 0.83 0.82 0.81 0.79 0.77 0.76 0.77 0.79 0.79 0.80 0.81 0.806
Rev. Growth Consistency 1.00 0.00 0.00 0.00 1.00 0.50 0.50 0.50 1.00 1.00 1.00 1.00 1.00 1.00 1.00 0.00 0.00 0.00 0.00 0.50 0.500
Earn. Growth Consistency 0.50 0.50 0.50 1.00 0.00 1.00 1.00 1.00 0.50 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000
FCF Positive Streak 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
Earnings Persistence 0.50 0.50 0.88 0.96 0.99 0.87 0.82 0.82 0.95 0.88 0.88 0.87 0.93 0.98 0.95 0.95 0.90 0.88 0.90 0.82 0.819
Earnings Smoothness 0.23 0.46 0.74 0.89 0.96 0.72 0.64 0.63 0.89 0.66 0.65 0.63 0.80 0.96 0.88 0.85 0.72 0.66 0.72 0.41 0.414
ROE Trend 0.02 0.01 0.01 0.01 0.02 0.03 0.03 0.03 0.00 -0.02 -0.02 -0.02 -0.01 -0.02 -0.02 -0.02 -0.02 -0.02 -0.02 -0.04 -0.037
Gross Margin Trend 0.14 0.16 0.16 0.13 0.10 0.05 -0.03 -0.11 -0.24 -0.31 -0.31 -0.29 -0.24 -0.19 -0.15 -0.09 -0.05 -0.02 -0.01 -0.00 -0.000
FCF Margin Trend -0.10 0.03 0.09 -0.07 0.23 0.19 0.10 0.02 -0.07 -0.21 -0.16 -0.18 -0.38 -0.20 -0.24 -0.18 -0.02 -0.03 0.03 0.06 0.061
Sustainable Growth Rate 5.1% 4.4% 3.9% 3.8% 4.6% 6.4% 6.4% 6.1% 4.9% 3.3% 3.3% 3.0% 3.3% 2.9% 2.5% 2.2% 1.8% 1.4% 1.4% 0.1% 0.10%
Internal Growth Rate 0.7% 0.6% 0.5% 0.5% 0.6% 0.8% 0.8% 0.7% 0.6% 0.4% 0.4% 0.4% 0.4% 0.4% 0.3% 0.3% 0.2% 0.2% 0.2% 0.0% 0.01%
Cash Flow Quality
Metric Trend 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 1.03 1.45 1.75 1.45 2.16 1.71 1.46 1.49 1.48 1.19 1.39 0.96 0.19 0.92 0.48 0.56 1.20 1.23 1.63 2.54 2.540
FCF/OCF 0.74 0.74 0.75 0.74 0.86 0.92 0.93 0.94 0.96 0.94 0.96 0.92 0.63 0.92 0.80 0.88 0.93 0.91 0.93 0.93 0.926
FCF/Net Income snapshot only 2.352
OCF/EBITDA snapshot only 1.505
CapEx/Revenue 7.9% 10.8% 11.6% 9.8% 8.2% 4.3% 2.9% 2.4% 1.3% 1.2% 0.9% 1.2% 1.1% 1.1% 1.3% 0.9% 1.0% 1.2% 1.2% 1.3% 1.27%
CapEx/Depreciation snapshot only 0.530
Accruals Ratio -0.00 -0.00 -0.01 -0.00 -0.01 -0.01 -0.01 -0.01 -0.00 -0.00 -0.00 0.00 0.01 0.00 0.00 0.00 -0.00 -0.00 -0.00 -0.00 -0.004
Sloan Accruals snapshot only 0.526
Cash Flow Adequacy snapshot only 2.218
Earnings Quality Score snapshot only 1.000
Dividends & Buybacks
Metric Trend 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 4.4% 4.2% 4.6% 4.8% 5.0% 4.5% 5.3% 6.4% 6.9% 5.7% 6.0% 6.1% 5.2% 5.2% 5.5% 5.3% 5.1% 4.9% 4.7% 3.4% 4.80%
Dividend/Share $0.75 $0.75 $0.75 $0.75 $0.78 $0.81 $0.84 $0.86 $0.87 $0.87 $0.87 $0.88 $0.88 $0.88 $0.87 $0.88 $0.87 $0.85 $0.82 $0.65 $0.80
Payout Ratio 37.0% 40.4% 43.0% 43.5% 39.5% 32.4% 33.1% 34.6% 39.5% 49.3% 49.0% 50.5% 48.3% 50.8% 54.6% 57.8% 62.0% 68.0% 67.2% 95.8% 95.77%
FCF Payout Ratio 48.5% 37.7% 32.5% 40.6% 21.2% 20.7% 24.4% 24.7% 27.8% 44.0% 36.8% 56.9% 3.9% 60.1% 1.4% 1.2% 55.2% 60.7% 44.2% 40.7% 40.71%
Total Payout Ratio 62.5% 73.2% 70.4% 65.7% 50.6% 37.5% 36.7% 34.6% 39.5% 49.3% 63.4% 70.3% 68.5% 72.3% 68.9% 1.5% 1.6% 1.8% 1.8% 1.2% 1.21%
Div. Increase Streak 1 1 1 0 1 1 1 0 1 1 1 1 0 0 0 0 0 0 0 0 0
Chowder Number 0.16 0.08 0.06 0.04 0.08 0.11 0.16 0.22 0.18 0.14 0.10 0.06 0.05 0.04 0.04 0.04 0.02 -0.00 -0.03 -0.06 -0.061
Buyback Yield 3.0% 3.4% 2.9% 2.4% 1.4% 0.7% 0.6% 0.0% 0.0% 0.0% 1.8% 2.4% 2.2% 2.2% 1.4% 8.6% 8.5% 8.3% 7.8% 0.9% 0.88%
Net Buyback Yield 3.0% 3.4% 2.9% 2.4% 1.4% 0.7% 0.6% 0.0% 0.0% -0.0% 1.7% 2.4% 2.2% 2.2% 1.4% 8.6% 8.5% 8.3% 7.5% -15.2% -15.15%
Total Shareholder Return 7.3% 7.6% 7.5% 7.2% 6.4% 5.2% 5.9% 6.4% 6.9% 5.7% 7.7% 8.5% 7.3% 7.4% 6.9% 13.9% 13.7% 13.1% 12.2% -11.8% -11.77%
DuPont Factors
Metric Trend 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) 0.76 0.77 0.78 0.78 0.77 0.76 0.76 0.76 0.76 0.76 0.75 0.76 0.76 0.77 0.78 0.77 0.78 0.77 0.77 0.75 0.749
Interest Burden (EBT/EBIT) 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.000
EBIT Margin 0.39 0.37 0.35 0.33 0.35 0.40 0.37 0.34 0.27 0.21 0.21 0.20 0.20 0.19 0.18 0.17 0.15 0.14 0.14 0.09 0.090
Asset Turnover 0.03 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.039
Equity Multiplier 7.89 7.73 7.87 7.90 8.03 8.01 8.22 8.26 8.24 8.21 8.24 8.14 8.10 8.02 7.92 8.03 8.31 8.32 8.25 9.03 9.028
Per Share
Metric Trend 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) $2.02 $1.87 $1.75 $1.72 $1.97 $2.50 $2.52 $2.49 $2.19 $1.76 $1.78 $1.74 $1.82 $1.72 $1.60 $1.51 $1.40 $1.25 $1.23 $0.68 $0.68
Book Value/Share $25.43 $25.70 $25.78 $25.77 $26.18 $26.97 $27.32 $27.48 $27.69 $28.10 $28.32 $28.72 $29.17 $29.31 $29.40 $28.38 $28.97 $29.19 $29.26 $34.33 $24.44
Tangible Book/Share $16.69 $16.91 $17.00 $16.93 $17.32 $18.13 $18.52 $18.73 $18.95 $19.37 $19.57 $19.91 $20.33 $20.08 $20.19 $19.15 $19.62 $19.95 $20.05 $25.49 $25.49
Revenue/Share $6.88 $6.59 $6.50 $6.69 $7.23 $8.26 $8.93 $9.78 $10.53 $10.77 $11.40 $11.68 $11.86 $11.85 $11.68 $11.66 $11.80 $11.60 $11.62 $10.07 $8.52
FCF/Share $1.55 $2.00 $2.31 $1.85 $3.68 $3.91 $3.43 $3.49 $3.11 $1.97 $2.38 $1.54 $0.22 $1.46 $0.61 $0.75 $1.57 $1.40 $1.87 $1.60 $1.15
OCF/Share $2.09 $2.71 $3.07 $2.50 $4.27 $4.26 $3.69 $3.73 $3.24 $2.10 $2.48 $1.68 $0.36 $1.59 $0.76 $0.85 $1.68 $1.53 $2.00 $1.73 $1.24
Cash/Share $21.77 $13.10 $12.85 $11.80 $10.90 $10.65 $16.10 $15.38 $14.58 $15.35 $14.89 $15.47 $19.39 $16.38 $15.66 $15.65 $26.93 $24.00 $23.10 $33.34 $20.81
EBITDA/Share $2.91 $2.66 $2.51 $2.48 $2.84 $3.58 $3.62 $3.58 $3.17 $2.59 $2.64 $2.57 $2.67 $2.50 $2.31 $2.20 $2.05 $1.88 $1.86 $1.15 $1.15
Debt/Share $6.25 $5.93 $6.57 $13.37 $13.70 $25.15 $27.38 $23.03 $14.98 $17.73 $19.58 $22.17 $23.99 $21.70 $19.86 $20.70 $34.51 $28.70 $26.35 $32.56 $32.56
Net Debt/Share $-15.52 $-7.17 $-6.28 $1.57 $2.80 $14.50 $11.28 $7.65 $0.39 $2.37 $4.69 $6.70 $4.60 $5.31 $4.20 $5.04 $7.59 $4.70 $3.24 $-0.78 $-0.78
Academic Models
Metric Trend 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 — — — — — — — — — — — — — — — — — — — — 1.909
Altman Z-Prime snapshot only 0.265
Piotroski F-Score 9 7 6 5 5 6 7 6 6 6 6 6 6 5 5 5 6 5 5 5 5
Beneish M-Score -2.96 -2.64 -2.46 -2.20 -2.20 -1.87 -1.89 -1.81 -1.84 -2.25 -2.22 -2.31 -1.89 -2.58 -2.63 -2.68 -2.27 -2.21 -2.18 -1.35 -1.347
Ohlson O-Score snapshot only -5.499
ROIC (Greenblatt) snapshot only 14.83%
Net-Net WC snapshot only $-291.77
EVA snapshot only $-187671300.00
Credit
Metric Trend 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 BB+
Credit Score 59.60 62.11 63.02 47.92 50.01 51.44 49.73 52.95 53.76 48.58 48.72 47.25 43.35 47.03 45.53 45.68 38.06 38.33 54.20 49.21 49.209
Credit Grade snapshot only 11
Credit Trend snapshot only 3.533
Implied Spread (bps) snapshot only 400.000
Industry Credit Rank snapshot only 36
Sector Credit Rank snapshot only 34

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