$80.54

-0.04 (-0.05%)

Weekly Expected Move ±5.4%

$71 $76 $80 $84 $89

NASDAQ · Basic Materials · Paper, Lumber & Forest Products · Alpha Radar Strong Sell · Power 28 · $4.5B mcap · 55M float · 0.791% daily turnover · Short 73% 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.

NO EDGE

33.5 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 10.6% · 5Y Avg: 24.3%

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. UFPI has No discernible competitive edge (33.5/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. ROIC of 10.6% 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

$87

Low

$87

Avg Target

$87

High

Based on 1 analyst since Apr 29, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 5Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$97.50

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-11	Stifel Nicolaus	—	$98	$87	-11	+3.1%	$84.38
2026-04-20	BMO Capital	Ketan Mamtora	$88	$108	+20	+11.4%	$96.94
2025-12-02	Stifel Nicolaus	Andrew Carter	$95	$98	+3	+7.1%	$91.51
2025-10-31	D.A. Davidson	—	$125	$112	-13	+22.0%	$91.80
2025-10-08	Stifel Nicolaus	Andrew Carter	$100	$95	-5	+4.0%	$91.35
2024-10-08	Wedbush	Jay McCanless	Initiated	$155	—	+19.6%	$129.58
2024-07-30	D.A. Davidson	Kurt Yinger	Initiated	$125	—	-7.6%	$135.34
2022-07-22	Stifel Nicolaus	Stanley Elliott	Initiated	$100	—	+20.8%	$82.77
2022-04-26	BMO Capital	—	Initiated	$88	—	+11.3%	$79.05

Financial Rating

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

A-

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. UFPI receives an overall rating of A-. Strongest factors: DCF (4/5), ROE (4/5), ROA (5/5). Areas of concern: P/E (2/5).

Rating Change History

Date	From	To
2026-04-27	B+	A-
2026-04-01	A-	B+
2026-02-26	A	A-
2026-02-23	A-	A
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.

★ ★ ★ ★ ★ 48 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

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. UFPI scores highest in Safety (100/100) and lowest in Growth (16/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

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

Altman Z-Score

5.65

Safe Zone

Piotroski F-Score

4/9

✓ ✓ ✗ ✓ ✗ ✗ ✓ ✗ ✗

Beneish M-Score

-2.80

Unlikely Manipulator

Ohlson O-Score

-10.68

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

AAA

Score: 96.7/100

Trend: Stable

Earnings Quality

75/100

OCF/NI: 2.08x

Accruals: -7.0%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. UFPI scores 5.65, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. UFPI scores 4/9, 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. UFPI's score of -2.80 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. UFPI's implied 0.0% 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. UFPI receives an estimated rating of AAA (score: 96.7/100), with a stable 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). UFPI's score of 75/100 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

17.21x

PEG

-0.68x

P/S

0.74x

P/B

1.47x

P/FCF

17.16x

P/OCF

9.33x

EV/EBITDA

8.36x

EV/Revenue

0.71x

EV/EBIT

12.11x

EV/FCF

14.71x

Earnings Yield

5.16%

FCF Yield

5.83%

Shareholder Yield

9.34%

Graham Number

$75.02

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 17.2x earnings, UFPI trades at a reasonable valuation. An earnings yield of 5.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $75.02 per share, 7% below 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

0.736

NI / EBT

Interest Burden

0.990

EBT / EBIT

EBIT Margin

0.059

EBIT / Rev

Asset Turnover

1.514

Rev / Assets

Equity Multiplier

1.296

Assets / Equity

ROE

8.4%

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. UFPI's ROE of 8.4% is driven by Asset Turnover (1.514), indicating efficient use of assets to generate revenue.

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

$39.33

Price/Value

2.28x

Margin of Safety

-128.01%

Premium

128.01%

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 UFPI's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. UFPI trades at a 128% premium to its adjusted intrinsic value of $39.33, 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 17.2x.

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

$80.54

Median 1Y

$87.54

5th Pctile

$46.33

95th Pctile

$165.76

Ann. Volatility

37.3%

Analyst Target

$97.50

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

Executive	Salary	Stock	Total
William D. Schwartz, Jr. Chief Executive Officer	$600,750	$1,633,995	$3,716,568
Michael R. Cole, Chief Financial Officer	$480,750	$968,932	$2,461,397
Matthew J. Missad Executive Chairman	$500,750	$625,486	$2,152,384
Patrick M. Benton, President, UFP Construction, LLC	$408,750	$633,024	$1,896,952
Landon C. Tarvin President, UFP Retail, LLC	$300,750	$745,785	$1,772,303

CEO Pay Ratio

74:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $3,716,568

Avg Employee Cost (SGA/emp): $50,073

Employees: 13,800

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

13,800

-8.0% YoY

Revenue / Employee

$457,996

Rev: $6,320,343,000

Profit / Employee

$21,362

NI: $294,792,000

SGA / Employee

$50,073

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	30.8%	34.1%	31.2%	36.2%	37.9%	40.6%	30.5%	27.7%	25.4%	23.9%	18.5%	18.3%	17.4%	16.2%	13.3%	12.0%	11.2%	10.3%	9.3%	8.4%	8.37%
ROA	19.4%	21.5%	19.0%	22.0%	23.1%	24.7%	20.0%	18.2%	16.7%	15.7%	13.4%	13.2%	12.6%	11.7%	10.1%	9.1%	8.5%	7.8%	7.1%	6.5%	6.46%
ROIC	30.8%	34.4%	26.8%	31.2%	32.9%	35.2%	30.4%	27.3%	24.5%	22.4%	22.2%	21.6%	20.4%	18.6%	16.0%	14.5%	13.4%	12.5%	11.7%	10.6%	10.62%
ROCE	29.7%	32.7%	30.0%	34.8%	36.7%	39.5%	31.0%	28.0%	25.3%	23.4%	19.8%	19.3%	18.5%	17.3%	15.2%	13.9%	12.9%	11.9%	11.4%	10.3%	10.27%
Gross Margin	15.6%	15.6%	18.4%	19.2%	17.4%	19.4%	18.7%	19.7%	19.6%	19.9%	19.4%	19.9%	19.1%	18.1%	16.4%	16.8%	17.0%	16.8%	16.3%	16.1%	16.14%
Operating Margin	8.8%	8.0%	9.7%	10.4%	9.8%	10.2%	8.8%	8.9%	9.5%	9.2%	8.1%	8.2%	8.4%	7.3%	5.4%	5.8%	6.7%	5.9%	4.3%	4.3%	4.27%
Net Margin	6.4%	5.8%	6.8%	7.6%	7.0%	7.2%	6.9%	6.9%	7.4%	7.3%	6.8%	7.4%	6.6%	6.1%	4.7%	4.9%	5.5%	4.6%	3.0%	3.5%	3.47%
EBITDA Margin	9.6%	9.2%	11.1%	11.4%	10.7%	11.4%	10.5%	10.9%	11.4%	11.5%	11.5%	11.3%	10.9%	10.6%	9.1%	8.9%	9.5%	9.1%	7.9%	7.0%	7.04%
FCF Margin	-0.6%	3.8%	4.2%	3.4%	6.0%	6.3%	6.8%	9.6%	10.8%	10.7%	10.8%	11.2%	9.8%	7.9%	6.2%	4.5%	4.0%	4.2%	4.3%	4.8%	4.82%
OCF Margin	1.0%	5.4%	5.9%	5.0%	7.5%	7.8%	8.6%	11.6%	13.1%	13.3%	13.3%	13.9%	12.7%	11.1%	9.7%	8.3%	7.9%	8.4%	8.6%	8.9%	8.87%
ROE 3Y Avg	snapshot only																				12.36%
ROE 5Y Avg	snapshot only																				18.61%
ROA 3Y Avg	snapshot only																				9.40%
ROIC 3Y Avg	snapshot only																				12.29%
ROIC Economic	snapshot only																				7.84%
Cash ROA	snapshot only																				13.64%
Cash ROIC	snapshot only																				23.30%
CROIC	snapshot only																				12.66%
NOPAT Margin	snapshot only																				4.04%
Pretax Margin	snapshot only																				5.80%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				11.12%
SBC / Revenue	snapshot only																				0.14%

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	9.99	8.54	10.21	7.49	5.98	5.77	6.80	7.43	9.88	11.11	14.67	14.01	13.42	17.46	16.24	17.10	16.31	16.42	18.15	19.38	17.212
P/S Ratio	0.56	0.49	0.63	0.50	0.41	0.41	0.49	0.52	0.70	0.79	1.05	1.01	0.94	1.17	1.01	0.96	0.87	0.81	0.84	0.83	0.735
P/B Ratio	2.85	2.69	2.77	2.36	1.97	2.04	1.84	1.82	2.22	2.36	2.52	2.38	2.17	2.62	2.09	1.98	1.76	1.63	1.72	1.66	1.465
P/FCF	-86.89	13.08	15.14	14.77	6.78	6.61	7.18	5.45	6.53	7.39	9.68	9.04	9.62	14.80	16.41	21.23	21.69	19.51	19.34	17.16	17.160
P/OCF	56.66	9.08	10.68	10.11	5.45	5.29	5.70	4.50	5.38	5.99	7.86	7.28	7.40	10.54	10.48	11.57	10.97	9.70	9.75	9.33	9.327
EV/EBITDA	6.21	5.32	6.66	4.96	3.97	3.82	4.24	4.58	6.12	6.93	8.31	7.92	7.37	9.54	8.40	8.40	7.72	7.45	8.10	8.36	8.355
EV/Revenue	0.55	0.48	0.65	0.51	0.42	0.43	0.47	0.50	0.68	0.77	0.94	0.90	0.83	1.06	0.88	0.84	0.74	0.68	0.72	0.71	0.709
EV/EBIT	7.11	6.08	7.54	5.55	4.43	4.25	4.75	5.21	7.10	8.16	9.91	9.55	9.00	11.87	10.65	10.91	10.26	10.15	11.33	12.11	12.109
EV/FCF	-85.41	12.84	15.46	15.13	6.98	6.80	6.86	5.21	6.29	7.13	8.69	8.07	8.48	13.35	14.35	18.41	18.45	16.37	16.68	14.71	14.712
Earnings Yield	10.0%	11.7%	9.8%	13.3%	16.7%	17.3%	14.7%	13.5%	10.1%	9.0%	6.8%	7.1%	7.4%	5.7%	6.2%	5.8%	6.1%	6.1%	5.5%	5.2%	5.16%
FCF Yield	-1.2%	7.6%	6.6%	6.8%	14.7%	15.1%	13.9%	18.4%	15.3%	13.5%	10.3%	11.1%	10.4%	6.8%	6.1%	4.7%	4.6%	5.1%	5.2%	5.8%	5.83%
Price/Tangible Book	snapshot only																				1.968
EV/OCF	snapshot only																				7.997
EV/Gross Profit	snapshot only																				4.268
Acquirers Multiple	snapshot only																				13.095
Shareholder Yield	snapshot only																				9.34%
Graham Number	snapshot only																				$75.02

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	3.32	3.32	2.67	2.67	2.67	2.67	3.70	3.70	3.70	3.70	4.41	4.41	4.41	4.41	4.88	4.88	4.88	4.88	4.59	4.59	4.590
Quick Ratio	2.09	2.09	1.43	1.43	1.43	1.43	2.11	2.11	2.11	2.11	3.12	3.12	3.12	3.12	3.48	3.48	3.48	3.48	3.13	3.13	3.129
Debt/Equity	0.27	0.27	0.22	0.22	0.22	0.22	0.15	0.15	0.15	0.15	0.13	0.13	0.13	0.13	0.11	0.11	0.11	0.11	0.07	0.07	0.074
Net Debt/Equity	-0.05	-0.05	0.06	0.06	0.06	0.06	-0.08	-0.08	-0.08	-0.08	-0.26	-0.26	-0.26	-0.26	-0.26	-0.26	-0.26	-0.26	-0.24	-0.24	-0.237
Debt/Assets	0.16	0.16	0.13	0.13	0.13	0.13	0.11	0.11	0.11	0.11	0.10	0.10	0.10	0.10	0.09	0.09	0.09	0.09	0.06	0.06	0.057
Debt/EBITDA	0.59	0.54	0.52	0.45	0.43	0.40	0.37	0.40	0.43	0.46	0.47	0.48	0.49	0.52	0.51	0.54	0.57	0.60	0.41	0.44	0.438
Net Debt/EBITDA	-0.11	-0.10	0.14	0.12	0.11	0.11	-0.19	-0.21	-0.23	-0.25	-0.94	-0.96	-0.99	-1.03	-1.21	-1.29	-1.36	-1.43	-1.29	-1.39	-1.390
Interest Coverage	45.89	47.04	53.61	57.10	48.46	47.69	45.58	43.91	50.72	53.78	53.27	51.80	49.95	47.77	43.50	41.37	39.82	37.47	36.93	33.32	33.321
Equity Multiplier	1.65	1.65	1.64	1.64	1.64	1.64	1.43	1.43	1.43	1.43	1.34	1.34	1.34	1.34	1.29	1.29	1.29	1.29	1.30	1.30	1.304
Cash Ratio	snapshot only																				1.941
Debt Service Coverage	snapshot only																				48.292
Cash to Debt	snapshot only																				4.176
FCF to Debt	snapshot only																				1.298
Defensive Interval	snapshot only																				755.4 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	3.45	3.73	3.06	3.29	3.36	3.44	2.78	2.59	2.34	2.20	1.88	1.83	1.79	1.75	1.63	1.62	1.60	1.58	1.55	1.51	1.514
Inventory Turnover	11.89	12.88	9.45	10.06	10.22	10.36	8.09	7.53	6.75	6.33	6.82	6.64	6.52	6.39	7.49	7.51	7.49	7.41	7.29	7.15	7.150
Receivables Turnover	17.56	19.00	14.25	15.34	15.67	16.05	14.20	13.22	11.96	11.23	12.37	12.06	11.81	11.51	12.67	12.58	12.46	12.29	12.94	12.67	12.665
Payables Turnover	35.42	38.37	27.25	29.03	29.47	29.87	29.80	27.72	24.85	23.30	28.29	27.55	27.04	26.49	25.37	25.44	25.36	25.11	24.43	23.96	23.959
DSO	21	19	26	24	23	23	26	28	31	33	30	30	31	32	29	29	29	30	28	29	28.8 days
DIO	31	28	39	36	36	35	45	48	54	58	54	55	56	57	49	49	49	49	50	51	51.0 days
DPO	10	10	13	13	12	12	12	13	15	16	13	13	13	14	14	14	14	15	15	15	15.2 days
Cash Conversion Cycle	41	38	51	47	47	46	59	63	70	75	70	72	73	75	63	63	64	64	63	65	64.6 days
Fixed Asset Turnover	snapshot only																				6.232
Operating Cycle	snapshot only																				79.9 days
Cash Velocity	snapshot only																				6.448
Capital Intensity	snapshot only																				0.650

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	67.0%	68.4%	67.6%	56.4%	28.3%	21.4%	11.5%	-3.7%	-14.7%	-21.8%	-25.0%	-21.5%	-14.9%	-11.7%	-7.8%	-6.1%	-5.1%	-3.9%	-5.0%	-6.4%	-6.40%
Net Income	1.1%	1.1%	1.2%	1.0%	56.4%	51.5%	29.3%	1.1%	-11.5%	-22.1%	-25.7%	-19.1%	-16.0%	-17.2%	-19.4%	-26.8%	-28.3%	-28.9%	-29.6%	-29.1%	-29.14%
EPS	1.1%	1.1%	1.1%	97.5%	56.2%	52.0%	31.0%	1.4%	-11.7%	-22.7%	-25.8%	-17.0%	-14.1%	-17.5%	-18.4%	-28.4%	-25.8%	-24.3%	-24.9%	-24.8%	-24.75%
FCF	-1.1%	20.0%	46.1%	2.5%	13.0%	1.0%	81.6%	1.7%	52.0%	34.3%	18.8%	-8.1%	-22.6%	-35.1%	-47.4%	-61.9%	-61.4%	-49.3%	-33.2%	-0.7%	-0.67%
EBITDA	90.0%	88.0%	97.0%	87.9%	53.3%	49.4%	26.7%	1.4%	-11.3%	-22.4%	-23.2%	-17.7%	-13.4%	-11.7%	-14.1%	-18.1%	-19.8%	-20.3%	-19.5%	-20.2%	-20.16%
Op. Income	1.1%	1.0%	1.1%	1.0%	59.5%	54.8%	28.8%	-0.7%	-16.2%	-29.2%	-32.0%	-27.5%	-23.2%	-22.3%	-23.9%	-27.2%	-29.0%	-27.8%	-25.9%	-25.7%	-25.67%
OCF Growth	snapshot only																				-0.37%
Asset Growth	snapshot only																				-3.08%
Equity Growth	snapshot only																				-4.34%
Debt Growth	snapshot only																				-35.63%
Shares Change	snapshot only																				-5.83%
Dividend Growth	snapshot only																				-0.26%

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	19.8%	21.5%	24.4%	27.3%	28.7%	30.2%	29.7%	26.4%	22.2%	16.9%	11.9%	5.8%	-2.4%	-5.7%	-8.3%	-10.8%	-11.7%	-12.8%	-13.1%	-11.6%	-11.62%
Revenue 5Y	20.0%	21.4%	21.7%	22.3%	21.4%	20.5%	19.6%	17.0%	13.5%	11.2%	10.0%	9.3%	9.1%	8.8%	8.5%	8.3%	8.1%	6.3%	4.2%	0.8%	0.79%
EPS 3Y	43.4%	45.8%	52.2%	59.3%	58.9%	59.4%	57.0%	50.1%	42.6%	34.3%	27.8%	18.5%	5.8%	-1.0%	-7.4%	-15.5%	-17.4%	-21.6%	-23.1%	-23.5%	-23.52%
EPS 5Y	34.2%	36.3%	38.9%	43.4%	45.1%	45.6%	41.8%	36.6%	32.4%	29.5%	27.9%	27.8%	24.9%	20.9%	18.6%	15.0%	13.1%	8.6%	5.0%	-2.2%	-2.17%
Net Income 3Y	43.3%	45.6%	53.3%	60.2%	59.1%	59.4%	56.8%	50.6%	43.2%	34.9%	27.7%	18.0%	5.1%	-0.8%	-8.2%	-15.7%	-18.9%	-22.9%	-25.0%	-25.1%	-25.13%
Net Income 5Y	33.8%	35.9%	39.6%	43.3%	44.6%	44.9%	42.1%	36.8%	32.4%	29.5%	28.2%	27.5%	24.5%	21.1%	18.2%	15.1%	12.1%	7.6%	3.4%	-3.2%	-3.16%
EBITDA 3Y	37.0%	40.2%	46.3%	51.7%	51.6%	52.5%	49.8%	44.1%	37.2%	29.7%	24.2%	16.2%	5.6%	0.8%	-5.8%	-11.9%	-14.9%	-18.3%	-19.0%	-18.7%	-18.67%
EBITDA 5Y	26.8%	29.1%	32.1%	35.2%	36.2%	36.6%	35.1%	31.5%	28.5%	26.2%	24.9%	23.9%	21.8%	19.5%	17.3%	15.1%	12.4%	8.9%	5.8%	0.5%	0.51%
Gross Profit 3Y	25.8%	27.9%	33.4%	37.4%	38.2%	39.4%	37.7%	33.7%	29.8%	24.3%	21.0%	14.7%	5.9%	1.6%	-4.5%	-9.9%	-12.7%	-15.6%	-16.0%	-14.9%	-14.93%
Gross Profit 5Y	20.8%	22.2%	24.3%	26.5%	27.0%	27.5%	26.9%	24.7%	22.4%	20.4%	19.1%	17.6%	16.2%	14.0%	12.3%	10.8%	9.3%	7.0%	5.8%	2.3%	2.25%
Op. Income 3Y	42.1%	45.9%	52.7%	59.6%	59.2%	60.0%	57.1%	49.5%	40.7%	30.7%	23.2%	13.4%	0.9%	-5.2%	-12.6%	-19.3%	-23.0%	-26.5%	-27.3%	-26.8%	-26.77%
Op. Income 5Y	29.1%	31.6%	35.0%	38.9%	40.4%	41.0%	39.3%	34.8%	30.8%	27.7%	25.5%	23.9%	21.0%	17.6%	15.0%	12.1%	8.7%	4.6%	1.1%	-4.6%	-4.63%
FCF 3Y	—	2.0%	1.6%	76.2%	60.2%	53.9%	35.4%	48.4%	37.5%	48.3%	46.6%	1.1%	—	20.8%	4.3%	-1.6%	-23.1%	-23.8%	-25.3%	-29.7%	-29.69%
FCF 5Y	—	16.4%	24.9%	33.5%	47.0%	59.9%	58.6%	81.0%	—	1.4%	1.1%	68.7%	37.1%	26.0%	9.2%	2.7%	-4.9%	1.4%	2.1%	27.2%	27.23%
OCF 3Y	-4.8%	63.4%	63.8%	47.0%	47.3%	44.0%	33.2%	42.4%	35.6%	44.2%	41.8%	74.0%	1.3%	19.9%	7.8%	6.1%	-10.3%	-10.7%	-13.0%	-19.1%	-19.14%
OCF 5Y	-15.6%	18.7%	24.3%	28.5%	37.1%	41.6%	43.3%	53.1%	65.5%	59.0%	52.4%	46.5%	31.4%	24.0%	13.0%	8.9%	4.0%	10.0%	10.1%	24.2%	24.15%
Assets 3Y	18.0%	18.0%	25.4%	25.4%	25.4%	25.4%	24.8%	24.8%	24.8%	24.8%	18.7%	18.7%	18.7%	18.7%	8.6%	8.6%	8.6%	8.6%	3.1%	3.1%	3.09%
Assets 5Y	16.8%	16.8%	20.2%	20.2%	20.2%	20.2%	20.2%	20.2%	20.2%	20.2%	19.5%	19.5%	19.5%	19.5%	17.0%	17.0%	17.0%	17.0%	10.8%	10.8%	10.84%
Equity 3Y	14.5%	14.5%	22.0%	22.0%	22.0%	22.0%	27.3%	27.3%	27.3%	27.3%	27.1%	27.1%	27.1%	27.1%	17.7%	17.7%	17.7%	17.7%	6.4%	6.4%	6.35%
Book Value 3Y	14.6%	14.6%	21.1%	21.4%	21.9%	22.0%	27.4%	26.9%	26.7%	26.7%	27.2%	27.7%	28.0%	26.8%	18.7%	17.9%	19.8%	19.7%	9.1%	8.6%	8.64%
Dividend 3Y	7.1%	0.3%	8.6%	9.9%	13.5%	16.3%	13.7%	12.2%	7.2%	4.8%	5.1%	6.1%	8.6%	6.5%	6.7%	4.0%	3.7%	3.1%	3.2%	2.1%	2.06%

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	0.74	0.73	0.72	0.75	0.79	0.80	0.81	0.81	0.73	0.63	0.54	0.47	0.35	0.22	0.15	0.11	0.09	0.04	0.01	0.01	0.009
Earnings Stability	0.73	0.74	0.73	0.75	0.81	0.83	0.86	0.87	0.86	0.80	0.76	0.73	0.64	0.49	0.35	0.21	0.08	0.01	0.01	0.14	0.137
Margin Stability	0.93	0.92	0.92	0.91	0.91	0.89	0.89	0.88	0.86	0.84	0.85	0.86	0.86	0.88	0.90	0.92	0.92	0.92	0.91	0.91	0.906
Rev. Growth Consistency	0.50	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	0	1	1	1	0	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	0.50	0.50	0.88	1.00	0.95	0.91	0.90	0.92	0.94	0.93	0.92	0.89	0.89	0.88	0.88	0.88	0.883
Earnings Smoothness	0.28	0.30	0.26	0.33	0.56	0.59	0.74	0.99	0.88	0.75	0.70	0.79	0.83	0.81	0.79	0.69	0.67	0.66	0.65	0.66	0.659
ROE Trend	0.13	0.15	0.11	0.13	0.11	0.11	0.05	-0.02	-0.08	-0.12	-0.10	-0.11	-0.12	-0.13	-0.09	-0.09	-0.09	-0.08	-0.06	-0.06	-0.057
Gross Margin Trend	0.00	-0.00	0.01	0.02	0.02	0.03	0.03	0.02	0.03	0.03	0.02	0.02	0.01	0.00	-0.01	-0.01	-0.02	-0.02	-0.02	-0.02	-0.021
FCF Margin Trend	-0.06	-0.01	-0.01	-0.00	0.03	0.02	0.02	0.07	0.08	0.06	0.05	0.05	0.01	-0.01	-0.03	-0.06	-0.06	-0.05	-0.04	-0.03	-0.031
Sustainable Growth Rate	28.3%	31.4%	28.8%	33.6%	35.0%	37.3%	27.9%	25.0%	22.7%	21.1%	16.0%	15.7%	14.6%	13.3%	10.7%	9.3%	8.5%	7.6%	6.6%	5.8%	5.79%
Internal Growth Rate	21.7%	24.7%	21.3%	25.8%	27.1%	29.4%	22.4%	19.6%	17.5%	16.0%	13.1%	12.8%	11.8%	10.7%	8.9%	7.7%	6.9%	6.2%	5.4%	4.7%	4.67%

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	0.18	0.94	0.96	0.74	1.10	1.09	1.19	1.65	1.84	1.86	1.87	1.93	1.81	1.66	1.55	1.48	1.49	1.69	1.86	2.08	2.078
FCF/OCF	-0.65	0.69	0.71	0.68	0.80	0.80	0.79	0.83	0.82	0.81	0.81	0.80	0.77	0.71	0.64	0.55	0.51	0.50	0.50	0.54	0.544
FCF/Net Income	snapshot only																				1.129
OCF/EBITDA	snapshot only																				1.045
CapEx/Revenue	1.6%	1.7%	1.8%	1.6%	1.5%	1.6%	1.8%	2.0%	2.3%	2.5%	2.5%	2.7%	2.9%	3.2%	3.5%	3.8%	3.9%	4.2%	4.3%	4.0%	4.05%
CapEx/Depreciation	snapshot only																				1.538
Accruals Ratio	0.16	0.01	0.01	0.06	-0.02	-0.02	-0.04	-0.12	-0.14	-0.13	-0.12	-0.12	-0.10	-0.08	-0.06	-0.04	-0.04	-0.05	-0.06	-0.07	-0.070
Sloan Accruals	snapshot only																				-0.093
Cash Flow Adequacy	snapshot only																				1.653
Earnings Quality Score	snapshot only																				0.750

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	0.8%	0.9%	0.7%	0.9%	1.3%	1.4%	1.3%	1.3%	1.1%	1.1%	0.9%	1.0%	1.2%	1.0%	1.2%	1.3%	1.4%	1.6%	1.6%	1.6%	1.75%
Dividend/Share	$0.56	$0.59	$0.64	$0.71	$0.82	$0.93	$0.96	$1.02	$1.02	$1.07	$1.11	$1.23	$1.31	$1.30	$1.33	$1.35	$1.44	$1.44	$1.44	$1.43	$1.41
Payout Ratio	8.1%	7.7%	7.5%	7.0%	7.6%	8.0%	8.5%	9.9%	10.8%	12.0%	13.3%	14.3%	16.1%	17.6%	19.5%	21.9%	23.6%	25.8%	28.2%	30.9%	30.87%
FCF Payout Ratio	—	11.8%	11.1%	13.8%	8.6%	9.2%	9.0%	7.2%	7.1%	8.0%	8.8%	9.3%	11.5%	14.9%	19.7%	27.2%	31.4%	30.6%	30.1%	27.3%	27.33%
Total Payout Ratio	8.1%	7.7%	7.5%	7.1%	21.6%	21.3%	22.3%	30.3%	21.2%	23.9%	29.2%	27.6%	46.2%	53.4%	53.5%	71.0%	1.0%	1.1%	1.8%	1.8%	1.81%
Div. Increase Streak	1	1	1	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0
Chowder Number	0.23	0.01	0.32	0.36	0.48	0.59	0.48	0.44	0.26	0.18	0.17	0.19	0.27	0.23	0.20	0.13	0.07	0.06	0.03	0.01	0.013
Buyback Yield	0.0%	0.0%	0.0%	0.0%	2.3%	2.3%	2.0%	2.8%	1.1%	1.1%	1.1%	0.9%	2.2%	2.1%	2.1%	2.9%	4.8%	5.3%	8.2%	7.7%	7.75%
Net Buyback Yield	-0.0%	-0.0%	-0.0%	-0.0%	2.3%	2.2%	2.0%	2.7%	1.0%	1.0%	1.1%	0.9%	2.2%	2.0%	2.1%	2.8%	4.8%	5.3%	8.1%	7.7%	7.70%
Total Shareholder Return	0.8%	0.9%	0.7%	0.9%	3.5%	3.6%	3.2%	4.0%	2.1%	2.1%	2.0%	1.9%	3.4%	3.0%	3.3%	4.1%	6.2%	6.9%	9.7%	9.3%	9.30%

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)	0.74	0.74	0.74	0.74	0.73	0.73	0.74	0.74	0.75	0.77	0.77	0.78	0.78	0.77	0.77	0.75	0.76	0.76	0.74	0.74	0.736
Interest Burden (EBT/EBIT)	0.98	0.98	0.98	0.98	0.98	0.98	0.99	0.99	0.99	0.99	0.98	0.98	0.98	0.98	0.98	0.98	0.97	0.97	0.97	0.99	0.990
EBIT Margin	0.08	0.08	0.09	0.09	0.10	0.10	0.10	0.10	0.10	0.09	0.09	0.09	0.09	0.09	0.08	0.08	0.07	0.07	0.06	0.06	0.059
Asset Turnover	3.45	3.73	3.06	3.29	3.36	3.44	2.78	2.59	2.34	2.20	1.88	1.83	1.79	1.75	1.63	1.62	1.60	1.58	1.55	1.51	1.514
Equity Multiplier	1.59	1.59	1.64	1.64	1.64	1.64	1.52	1.52	1.52	1.52	1.38	1.38	1.38	1.38	1.31	1.31	1.31	1.31	1.30	1.30	1.296

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)	$6.91	$7.63	$8.58	$10.20	$10.79	$11.60	$11.24	$10.35	$9.52	$8.96	$8.35	$8.59	$8.18	$7.39	$6.81	$6.15	$6.07	$5.60	$5.11	$4.63	$4.63
Book Value/Share	$24.19	$24.18	$31.71	$32.45	$32.75	$32.87	$41.61	$42.17	$42.35	$42.30	$48.68	$50.62	$50.71	$49.29	$52.98	$53.22	$56.38	$56.38	$54.03	$54.06	$54.97
Tangible Book/Share	$18.69	$18.68	$24.79	$25.37	$25.61	$25.70	$33.68	$34.13	$34.28	$34.24	$40.26	$41.86	$41.94	$40.77	$44.77	$44.97	$47.64	$47.64	$45.54	$45.56	$45.56
Revenue/Share	$122.68	$132.66	$138.40	$152.53	$157.26	$161.65	$156.23	$147.36	$133.84	$125.50	$117.14	$118.71	$116.52	$110.34	$109.32	$109.09	$114.40	$112.83	$110.72	$108.43	$109.65
FCF/Share	$-0.79	$4.98	$5.79	$5.17	$9.51	$10.12	$10.65	$14.11	$14.43	$13.49	$12.65	$13.31	$11.43	$8.72	$6.74	$4.95	$4.57	$4.71	$4.80	$5.23	$5.28
OCF/Share	$1.22	$7.17	$8.21	$7.56	$11.84	$12.63	$13.41	$17.06	$17.51	$16.63	$15.58	$16.54	$14.84	$12.25	$10.56	$9.09	$9.03	$9.47	$9.52	$9.61	$9.72
Cash/Share	$7.63	$7.63	$5.18	$5.30	$5.35	$5.37	$9.66	$9.79	$9.83	$9.82	$18.71	$19.46	$19.49	$18.95	$19.77	$19.86	$21.03	$21.03	$16.81	$16.82	$13.62
EBITDA/Share	$10.93	$12.02	$13.44	$15.77	$16.75	$18.02	$17.24	$16.05	$14.83	$13.89	$13.24	$13.55	$13.15	$12.21	$11.52	$10.85	$10.91	$10.35	$9.88	$9.20	$9.20
Debt/Share	$6.46	$6.45	$7.00	$7.17	$7.23	$7.26	$6.31	$6.40	$6.43	$6.42	$6.24	$6.48	$6.50	$6.32	$5.87	$5.89	$6.24	$6.24	$4.02	$4.03	$4.03
Net Debt/Share	$-1.18	$-1.18	$1.83	$1.87	$1.89	$1.89	$-3.35	$-3.39	$-3.41	$-3.40	$-12.48	$-12.97	$-13.00	$-12.63	$-13.90	$-13.97	$-14.79	$-14.79	$-12.78	$-12.79	$-12.79

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 Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	5.650
Altman Z-Prime	snapshot only																				9.249
Piotroski F-Score	6	6	6	6	7	8	9	7	6	6	6	7	6	5	6	5	6	6	4	4	4
Beneish M-Score	-0.99	-2.03	-2.12	-1.83	-2.08	-2.15	-2.71	-3.03	-3.18	-3.12	-3.17	-3.20	-3.09	-2.93	-2.72	-2.66	-2.69	-2.78	-2.79	-2.80	-2.800
Ohlson O-Score	snapshot only																				-10.676
ROIC (Greenblatt)	snapshot only																				13.09%
Net-Net WC	snapshot only																				$23.39
EVA	snapshot only																				$14647574.57

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																				AAA
Credit Score	90.32	95.77	95.94	95.79	96.08	95.60	96.93	96.96	96.65	96.65	96.84	96.97	96.36	96.76	96.91	97.03	96.97	96.75	96.70	96.66	96.663
Credit Grade	snapshot only																				1
Credit Trend	snapshot only																				-0.367
Implied Spread (bps)	snapshot only																				50.000
Industry Credit Rank	snapshot only																				95
Sector Credit Rank	snapshot only																				92

UFPI 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

Sign in to InsiderStreet