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AGING Analysis Report
Aug 2, 2026
21 days ago · 100% complete
These price targets were computed from last year's numbers — and this year is going noticeably worse. Projection assumes +30.7% growth but recent quarters show operating income -41.3% YoY (through 2026-06-30) — annual-baselined fair values are likely stale-high. Until the statements catch up, read the growth-based fair values (DCF, anchored) as a best case, not a target; the EPV floor (worth with zero growth assumed) and the current market price are the trustworthy numbers right now.
NOT DEPENDABLE This report predates a filing — its financial basis has been replaced.
Report generated: Aug 2, 2026 · Filing on record since: Aug 19, 2026 · 16 days after
For AI assistants & researchers — machine-readable summary of this page

What this page is: Delvantic's full research page for Turning Point Brands Inc. (TPB) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.

Our current read (analysis of 2026-08-23): Designation Watch · Gem Score +2 (−100…+100 Quality+Value blend) · Quality 42 · Value -30 · Sentiment 34 (timing only, not weighted) · Composite fair value $68.69 vs $74.61 at analysis

Page map (sections in order; each card carries a stable reference-name attribute you can cite):

  • profile-header / price-overview — company profile, live quote, market cap
  • extended-analysisthe core: three AI lens reads with findings, scores, and the analyst memo
  • future-predictions — our forward price-band predictions
  • market-narrative / ai-findings / gpt-critique — narrative context, cross-model findings, and an adversarial critique of our own analysis (near the end of the document)
  • Members-only sections (render as login gates for anonymous readers): price-history, income-trend, key-metrics, financials (statement tables), insider-trading. The analysis above is public; the raw data tables require a free account.

More for machine readers: site briefing at /llms.txt · any ticker resolves at delvantic.com/stock/TICKER · raw inputs are public-company filings and market data (via licensed data feeds); every model, score, lens read, and prediction on this page is Delvantic's own analysis.

Turning Point Brands Inc.

TPB NYSE
Consumer Defensive · Tobacco
Louisville, KY 40229, United States turningpointbrands.com Updated Aug 2, 1:44pm
Price
$74.61
Market Cap
$1.4B
Employees
310
Beta
0.92
Avg Volume
394,513
Last Dividend
$0.31
CEO
Mr. Graham A. Purdy

Turning Point Brands Inc. is a consumer products company that focuses on offering a wide range of tobacco products and related alternatives. Its primary function is to manufacture and distribute well-known brands such as Zig-Zag, Stoker's, and VaporBeast, which cater to diverse consumer preferences in the tobacco industry. The company operates through three main segments: Smokeless Products, Smoking Products, and NewGen Products, each serving specific demands in the market, such as moist snuff, smoking papers, and vaping products, respectively. Turning Point Brands Inc. holds a significant position in the niche segment of the industry with a combination of traditional and innovative products. Renowned for its strong retail presence and multi-channel distribution strategy, the company plays a pivotal role in shaping consumer choices by balancing traditional offerings with modern alternatives in response to evolving consumer trends.

Runs with full report Generated: Aug 2, 2026 1:53pm
Price Overview
Price at report time
$74.61
as of Aug 2, 2:02pm (21d ago)
Change · Aug 2
-1.40 (-1.84%)
Day Range
$74.57 – $77.01
52-Week Range
$65.80 – $146.90
50-Day MA
$83.17
200-Day MA
$95.91
Volume
324,800.00
Right now · live
Log in to get the live feed
Members see the real-time price and the move since this report (over 21d).
Share Structure
Outstanding 19,367,534.00
Float 16,979,323.00
Free Float 87.7%
High free float — 87.7% of shares trade freely, ~12.3% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Last updated: Aug 2, 2026 2:02pm (21d ago)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Last updated: Aug 2, 2026 2:02pm (21d ago)
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
Period Revenue Net Income Net Margin YoY/QoQ
Key Metrics
TD Twelve Data statement HEX SEC filing
Industry comparison last run: Aug 2, 2026 1:52pm
P/E Ratio (Price per dollar of earnings)
HEX
Stock Price / EPS (Diluted)
23.99
Stock Price: $74.61
EPS (Diluted): 3.11
P/B Ratio (Price vs net asset value)
HEX
Stock Price / Book Value Per Share
3.76
Stock Price: $74.61
Total Equity: $371.98M
Shares: 18,730,635
EV/EBITDA (Total value vs operating profit)
HEX
Enterprise Value / EBITDA
Market Cap: $1.45B
Total Debt: $293.63M
Cash: $222.76M
EBITDA: N/A
EBITDA not available
Enterprise Value (Takeover price (cap + debt - cash))
HEX
Market Cap + Total Debt - Cash
$1.5B
Market Cap: $1.45B
Total Debt: $293.63M
Cash: $222.76M
Gross Margin (Revenue left after direct costs)
HEX
Gross Profit / Revenue
57.1%
Gross Profit: $264.31M
Revenue: $463.06M
Operating Margin (Revenue left after all operations)
HEX
Operating Income / Revenue
20.6%
Operating Income: $95.33M
Revenue: $463.06M
Net Margin (Revenue left as actual profit)
HEX
Net Income / Revenue
12.6%
Net Income: $58.17M
Revenue: $463.06M
ROE (Profit from shareholder equity)
HEX
Net Income / Total Equity
15.6%
Net Income: $58.17M
Total Equity: $371.98M
ROIC (Profit from all invested capital)
HEX
NOPAT / Invested Capital
17.6%
Operating Income: $95.33M
Tax Rate: 18.0%
Equity: $371.98M
Total Debt: $293.63M
Cash: $222.76M
Current Ratio (Can it pay short-term bills)
HEX
Current Assets / Current Liabilities
5.56
Current Assets: $417.15M
Current Liabilities: $75.01M
Debt/Equity (Leverage — debt vs equity)
HEX
Total Debt / Total Equity
0.79
Short-Term Debt: $0.00
Long-Term Debt: $293.63M
Total Debt: $293.63M
Total Equity: $371.98M
Rev/Share (Top-line per share)
HEX
Revenue / Shares Outstanding
$24.72
Revenue: $463.06M
Shares: 18,730,635
Book Value/Share (Net assets per share)
HEX
(Total Assets - Total Liabilities) / Shares
$19.86
Total Equity: $371.98M
Shares: 18,730,635
FCF/Share (Real cash generated per share)
HEX
(Operating Cash Flow + CapEx) / Shares
$2.34
Operating CF: $57.37M
CapEx: -$13.53M
Shares: 18,730,635
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
TD
Last Annual Dividend / Stock Price
0.4%
Last Dividend: $0.31
Stock Price: $74.61
Payout Ratio (Earnings paid out as dividends)
HEX
Dividends Paid / Net Income
9.5%
Dividends Paid: -$5.52M
Net Income: $58.17M
Industry Benchmarks
Last run: Aug 2, 2026 1:52pm
Compares TPB against LLM-researched typical ranges for its industry. One research call per industry, cached indefinitely — every stock in the same industry reuses the same baseline.
Income Statement (Annual)
Last updated: Aug 2, 2026 2:02pm (21d ago)
Metric 2021 2022 2023 2024 2025
Revenue $445.5M $415.0M $405.4M $360.7M $463.1M
Cost of Revenue $227.6M $209.5M $202.2M $159.1M $198.7M
Gross Profit $217.8M $205.5M $203.2M $201.6M $264.3M
Operating Expenses $128.6M $130.6M $125.6M $123.7M $169.9M
Operating Income $90.3M $75.5M $82.6M $80.8M $95.3M
Net Income $52.1M $11.6M $38.5M $39.8M $58.2M
EBITDA $95.3M $80.8M $88.9M
EPS $2.75 $0.65 $2.19 $2.24 $3.18
EPS (Diluted) $2.52 $0.64 $2.01 $2.14 $3.11
Balance Sheet (Annual)
Last updated: Aug 2, 2026 1:44pm (21d ago)
Metric 2021 2022 2023 2024 2025
Cash & Equivalents $128.3M $106.4M $117.9M $48.9M $222.8M
Total Current Assets $249.2M $257.7M $267.6M $198.2M $417.2M
Total Assets $601.6M $572.1M $569.4M $493.4M $763.8M
Current Liabilities $40.3M $41.4M $100.3M $44.8M $75.0M
Long-Term Debt $414.2M $406.8M $307.1M $248.6M $293.6M
Total Liabilities $467.8M $458.7M $417.4M $303.0M $391.8M
Total Equity $133.7M $113.4M $152.0M $190.4M $372.0M
Retained Earnings $71.5M $78.7M $112.4M $147.2M $199.7M
Cash Flow (Annual)
Last updated: Aug 2, 2026 2:02pm (21d ago)
Metric 2021 2022 2023 2024 2025
Operating Cash Flow $68.2M $30.3M $66.9M $67.1M $57.4M
Capital Expenditure -$6.2M -$7.7M -$5.7M -$4.6M -$13.5M
Free Cash Flow $62.1M $22.6M $61.2M $62.4M $43.8M
Acquisitions (net) -$16.4M $0 $0
Net Debt Issued / (Repaid) $250.0M $0 $0
Dividends Paid -$4.1M -$4.3M -$4.5M -$4.9M -$5.5M
Stock Buybacks -$38.7M -$29.2M $0 -$5.1M $0
Net Change in Cash
Growth Trends (YoY %)
Last updated: Aug 2, 2026 2:02pm (21d ago)
Metric 2022 2023 2024 2025
Revenue Growth -6.8% -2.3% -11.0% +28.4%
Gross Profit Growth -5.6% -1.1% -0.8% +31.1%
Operating Income Growth -16.4% +9.4% -2.1% +17.9%
Net Income Growth -77.6% +230.4% +3.5% +46.1%
EBITDA Growth -15.2% +10.1%
Dividend History (Last 20)
Last updated: Aug 2, 2026 1:45pm (21d ago)
Date Dividend Declaration Record Payment
2026-06-18 $0.08
2026-03-20 $0.08
2025-12-19 $0.08
2025-09-19 $0.08
2025-06-20 $0.08
2025-03-21 $0.08
2024-12-20 $0.07
2024-09-13 $0.07
2024-06-14 $0.07
2024-03-21 $0.07
2023-12-14 $0.07
2023-09-14 $0.07
2023-06-15 $0.07
2023-03-16 $0.07
2022-12-15 $0.06
2022-09-15 $0.06
2022-06-16 $0.06
2022-03-17 $0.06
2021-12-16 $0.06
2021-09-16 $0.06
0Company Classification 1Industry Landscape 2Company Momentum 3Forward Projection 4aDCF Valuation 4bEarnings Power Value 4cAnchored PE 4dReverse DCF 4eRevenue-Based DCF 4fAnchored P/S 4gScenario Analysis 4hDividend Discount Model 4iBook Value Analysis 4jInsider Activity 4fCash Flow Quality 4gDebt Maturity Risk 4hMacro Environment 4iSector Intelligence 4jRevenue Confidence 4kSensitivity Analysis 4lSector Demand Cycle 5AI Investigation 5bThesis Evaluation 6Valuation Synthesis
computed not applicable 18 computed · 6 not applicable
Risk : Reward — if the last quarter repeats
Live · as of 2026-08-19 11:10
1.4 : 1 recovery upside vs repeat-quarter downside
Recovery pays +103%; another quarter like the worst recent one costs 72%. Ratio 1.4:1.
CaseGrowthMarginFair valuevs price ($74.61)
Bull — recovery +22% 32.1% $151.72 +103%
Base — stabilizes +15% 27.9% $105.85 +42%
Bear — keeps slipping +7% 23.7% $71.64 -4%
Stress — last quarter repeats +17% 4.4% $20.96 -72%
The next quarters keep the trajectory of the worst recent matched quarter (ending 2026-03-31) — growth stays at 16.8% and margins bend by the same profit-vs-revenue ratio (×0.50). Stress is a trajectory, not a prediction — it answers "what if the ship's current heading simply continues," which history says is the case to respect.
Why this is appearing: this company files quarterly, so its recent trajectory could be measured rather than assumed — the engine matched Jun 2026, Mar 2026 against the same quarters one year earlier and found revenue +19.8% · operating income -41.0% · net income -47.1% year-over-year. That measured heading is what the stress case extends forward. Of those, the stress case extends the worst matched quarter — the one ending Mar 31, 2026 (revenue +16.8%, operating income -46.2% YoY) — not the average. Data measured through Jun 30, 2026 — this card recalculates automatically when the next quarterly filing is ingested. Companies without quarterly filings (many foreign listings) never show this card: with no measured trajectory, there is nothing honest to repeat.
Narrative Economics
The story the market is telling about this stock — the intangible X-factor (founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for TPB — it's generated by the pipeline (market-narrative step).
Claude Reading
Independent analyst synthesis · claude-opus-4-7 · generated 2026-08-02 14:00:44
Verdict Modestly undervalued at $74.61 — fair value $82-86 on trajectory, but sizing must respect decelerating YoY growth and absent insider buying; starter here, add at $68.

The raw quarterly trajectory tells a genuinely bullish story that the models are underweighting. Revenue has stepped from $93.2M (Q2'24) to $124.3M (Q1'26) — that's 33% growth over seven quarters, not the "melting ice cube" the pre-flight narrative suggests. Q1'26 net margin recovered to 9.4% with sequential revenue up every quarter for five consecutive prints. Full-year 2025 revenue of $463.1M vs 2024's $360.7M is +28.4% YoY, and 2025 net income of $58.2M nearly doubled 2021's peak on lower revenue. This doesn't look like secular tobacco decline; it looks like Zig-Zag/Stoker's taking share plus modern-oral (ZYN-adjacent) NewGen ramping. Gross margin at 57.1% and operating margin at 20.6% are structurally healthy. FCF of $43.8M against a $1.45B cap is a ~3% yield — not cheap, not egregious.

Where I disagree with the prior stack: the "mature_earner" classification and the Market Forces "late-cycle consolidation masquerading as growth" read are both too dismissive. A mature earner doesn't post 28% revenue growth with expanding operating margins (op income $95.3M in 2025 vs $80.8M in 2024 on $102M more revenue — 14% incremental operating margin is soft, admittedly, suggesting acquisition mix). The Market Forces claim of "deteriorating cash generation" is technically supported by the -15.3% FCF CAGR, but 2021 FCF was inflated and 2025 OCF of $57.4M on capex of just $13.5M is capital-light and real. The synthesis verdict of $81 fair value vs $74.61 (+8.9%) feels roughly right on magnitude but for the wrong reasons — it treats this as fair-value-with-caveats when the trajectory arguably deserves a growth-adjusted multiple.

The contrarian case is real and I won't dismiss it. First, the Q3'25 net income of $21.1M is an outlier that flatters the trailing metrics — strip it and margins look choppier (6.8%, 9.4% in the two most recent quarters is a step down from the 12-17% band). Second, Q1'26 revenue growth decelerated to +16.8% YoY vs Q4'25's +29% and the earlier +28% prints — the Revenue Confidence flag of "decelerating" is legitimate. Third, the insider ledger shows only awards and one small sale — no open-market buying at these prices despite the stock being 49% off highs, which is telling for a management team that presumably knows whether the NewGen ramp is sustaining. Fourth, debt/equity of 0.79 with $293.6M debt is manageable but not trivial for a tobacco roll-up dependent on continued acquisitions to mask organic decline in legacy categories. Fifth, FDA regulatory risk on flavored nicotine pouches and synthetic nicotine is a genuine tail risk not reflected in a 24x P/E.

My verdict: I dissent modestly toward undervalued rather than fair value. At $74.61 with $58.2M in TTM-ish net income growing, EV/revenue of 3.3x, and a business generating 20%+ operating margins with mid-teens ROE, this is priced as if 2025 growth was a one-off. If Q2'26 prints another sequential revenue increase and margins normalize back to 12%+, the stock re-rates to $85-90. If growth decelerates to single digits and Q3'25's margin proves the anomaly (not the recent quarters), fair value is $65-70. The asymmetry favors owning it, but sizing should respect that (a) insiders aren't buying, (b) the FCF CAGR is genuinely negative, and (c) the deceleration in recent YoY growth is real. Starter position at current levels, add on any pullback to $68, trim above $88. The synthesis at $81 fair value is defensible; my read is $82-86 with a wider distribution than they're implying, and the market-forces "neutral/bearish" tilt is overweighting regulatory pessimism relative to the visible top-line acceleration.

GPT Reading
Independent reading · gpt-5.4 · generated 2026-08-02 14:01:01
Verdict Fairly valued to slightly overvalued at $74.61 — the earnings recovery is real, but until free cash flow rises toward $60M+ I see better value closer to $62-$66.

The raw numbers say TPB is not a melting ice cube right now; it is a small tobacco platform that has clearly reaccelerated. Revenue went from $360.7M in 2024 to $463.1M in 2025, up 28%, and the quarterly run-rate has stayed elevated into 2026 with Q1 revenue of $124.3M versus $106.4M a year earlier, another 16.8% gain. That matters because this is happening while gross margin expanded from 55.9% in 2024 to 57.1% in 2025 and operating income rose from $80.8M to $95.3M. This is not the profile of a business barely holding on. Net income climbed from $39.8M to $58.2M in 2025, and the last four quarters sum to roughly $55.5M, implying the earnings base has largely held after the step-up. On capital efficiency, 17.6% ROIC and 15.6% ROE are healthy for a defensive name, especially one carrying only about $70.8M of net debt after offsetting $293.6M debt with $222.8M cash. The current ratio above 5 is excessive for a tobacco company and gives real balance-sheet flexibility.

What stands out negatively is cash conversion. Against $58.2M of 2025 net income, operating cash flow was only $57.4M and free cash flow $43.8M, which leaves the stock trading at roughly 33x trailing FCF on a $1.45B market cap. That is too expensive for a no-growth tobacco business, but TPB is not being valued like one because the revenue line just inflected sharply. Even so, the market is already charging 24x earnings, 3.0x sales, and 3.27x EV/revenue for a regulated consumer staples company in a structurally challenged category. Those are premium multiples relative to what I would want when free cash flow has a negative 5-year CAGR and annual revenue in 2025 only just exceeded 2021’s $445.5M after several messy years. The quarterly net margins also bounce around more than a true staple compounder: 2.6% in Q4 2024, 17.7% in Q3 2025, then back to 6.8% in Q4 2025 and 9.4% in Q1 2026. That volatility argues against paying a clean defensive premium.

So my read is that the business is better than the “structural decline/value trap” shorthand, but the stock already reflects most of that improvement. At $74.61, investors are paying up for a recovery that is visible in the income statement but not yet fully proven in cash flow durability. If I annualize the latest quarter, revenue is about $497M and net income about $46.8M; if I instead use the last four quarters’ actual $55.5M of earnings, the valuation is not absurd, but it is hardly cheap for tobacco with regulatory overhang and uneven conversion to FCF. A more appropriate entry for me would be closer to the low-to-mid $60s, where the earnings multiple would better compensate for category risk and cash flow softness. The model output calling this roughly fairly valued is closer to right than the more bearish narrative layer, but even that may be slightly generous unless FCF catches up.

The best case against my caution is straightforward: the business may have crossed into a higher earnings plateau and I may be anchoring too much to old tobacco heuristics. Revenue has risen sequentially for seven straight reported quarters from $90.7M to $124.3M. Annual operating margin improved to 20.6%, gross profit jumped to $264.3M from $201.6M, and the balance sheet is strong enough that capital allocation optionality is real. If 2025 was not acquisition noise or channel fill but the new base, then 24x trailing earnings can compress quickly to the high teens on forward numbers, which would make $74.61 look reasonable to slightly cheap. The very low payout ratio of 9.5% also means management has room for dividend growth or buybacks without stressing the business. In that framing, the stock deserves better than a classic sin-stock discount because it is growing faster than the category and carrying limited net leverage.

What would change my mind is simple: if the next two quarters keep revenue above $120M and convert that into cleaner cash generation, I would turn constructive. Specifically, I would want to see full-year operating cash flow running comfortably above net income and free cash flow moving toward $60M-$70M, not stuck in the low $40Ms. I would also want confirmation that margins can stay around a 20% operating margin and a 10%+ net margin without the quarter-to-quarter lurching seen recently. If those numbers show up, fair value moves into the $80s. If instead revenue growth slips back toward low single digits while cash flow lags earnings again, the stock should de-rate into the $60-$65 range.

Grok Reading
Independent reading · grok-4.5 · generated 2026-08-02 14:02:10
Verdict Mildly undervalued at $74.61 vs ~$82–85 fair value; high-margin niche recovery and clean BS offset by FCF fade and full 24x P/E

Turning Point Brands printed $463.1M in 2025 revenue, a 28.4% rebound from the $360.7M trough in 2024 that reclaimed and surpassed the $445.5M level of 2021. The quarterly sequence is unambiguous: $106.4M in Q1 2025 stepped to $116.6M, $119.0M, $121.0M and then $124.3M in Q1 2026, putting the current run-rate near $497M annualized. Net income reached $58.2M at a 12.6% margin, operating margin held at 20.6%, and gross margin sat at 57.1%—evidence of real pricing power inside the Zig-Zag and Stoker’s niches rather than a passive volume melt. The balance sheet is clean for the sector: $222.8M cash against $293.6M debt leaves only ~$71M of net debt, a 5.56 current ratio, and debt-to-equity of 0.79. Free cash flow of $43.8M on $57.4M of operating cash flow after just $13.5M of capex shows serviceable conversion, while ROIC of 17.6% and ROE of 15.6% are respectable for a consumer-defensive name.

At $74.61 and a $1.45B market cap the stock screens at 24x trailing earnings, 3.0x sales and 3.27x EV/revenue. That sits 9–14% below the composite fair-value zone of $81–85 and embeds almost no narrative premium—consistent with the “steady-compounder” label and minimal cult coefficient. Earnings CAGR of 23% has outrun the 6.9% revenue CAGR, so margin expansion and mix did the heavy lifting; sequential growth has already decelerated from the mid-teens early in the recovery into low-single-digit quarter-on-quarter advances, exactly the profile of a mature earner once the base has reset. The 0.42% dividend yield and 9.5% payout confirm this is not owned for income; any bull case rests on cash generation, low leverage and NewGen optionality.

The clear fracture in the data is free-cash-flow trajectory: FCF CAGR of –15.3% over the multi-year window while reported earnings climbed. That gap—strong current conversion quality against a deteriorating longer-term FCF path—raises the possibility that working-capital swings around the 2024 trough, acquisition accounting, or genuine cash-conversion pressure are being papered over by the income statement. The Market Forces observation that 2025 revenue was M&A-inflated is the live risk; without a clean organic split, part of the 28% snap-back may have been purchased rather than earned. Still, the post-deal quarterly run-rate continues to grind higher into 2026 and net leverage remains low enough that any deal has been absorbed without stressing the balance sheet.

The strongest case against labeling the shares undervalued is that 24x earnings for a tobacco name confronting secular volume decline, regulatory tightening and macro headwinds is not a bargain—cleaner cash-flow peers routinely clear lower multiples. FCF yield of roughly 3% on market cap offers thin compensation for category risk, secondary signals flag low revenue confidence and below-sector benchmarks, and Q4 2025 plus Q1 2026 net margins compressed to 6.8% and 9.4% from the mid-teens earlier in 2025, hinting that peak profitability may already be behind us. If the top-line recovery was largely acquired and organic volumes are still eroding, earnings power is overstated and $75 is simply a value trap. Insiders are net neutral—routine awards plus one 4,000-share sale—so there is no insider endorsement either.

I would flip to outright overvalued if the next two quarters show revenue stalling below $120M or quarterly FCF dropping under $8M, confirming the rebound was a sugar high. Two further quarters of sequential revenue growth above 2% with FCF conversion holding above 70% of net income and any disclosure of clean mid-single-digit organic growth would raise conviction and push a fair-value anchor above $90.

Big-3 Panel — where each AI stands
Each AI above independently stated a direction (undervalued, fairly valued, or overvalued) and how strongly it believes it (conviction, 0–5). We combine those into a Bull-Bear Index on a 0–10 scale: 5 is neutral, 10 is maximum bullish (undervalued at full conviction), 0 is maximum bearish. We compute the score ourselves with the same arithmetic for every seat — the models never grade their own bullishness — so the three are directly comparable. Δ shows how far each seat sits from the panel average of 7.0; a large Δ marks the dissenting voice, usually the one worth reading.
Claude claude-opus-4-7 8.0
undervalued · conviction 3/5 · Δ +1.0 vs panel · self: 6.0
GPT gpt-5.4 5.0
fairly valued · conviction 3/5 · Δ -2.0 vs panel · self: 4.0
Grok grok-4.5 8.0
undervalued · conviction 3/5 · Δ +1.0 vs panel · self: 6.0
Advanced Analysis Forensic deep-dive · separate lenses
Separate reads — Company Quality (is it a great business?), Valuation (is it mispriced?), and General Sentiment (how macro + narrative are pushing it), kept deliberately apart · 2026-08-02 21:14:38
Delvantic - Cairn AI
Quality — nibble here, add on weakness 6/10
Solid quality (+42) meets a fair-not-cheap price (-30) under a benign tape (+34) — this is a starter-here, back-up-the-truck-at-$63 name, not a fat pitch today.
The cruxWhether the 2025 revenue snap-back and margin expansion are the start of a durable NewGen-led re-rating or a one-year peak that reverts toward the $48 EPV floor.
Forensic checks Derived mechanically from TPB's filed financials — not from the AI lenses
Liquidity & RunwaySelf-Funding
DilutionShare Count Shrinking
Earnings QualityHigh Earnings Quality
The four lensesswitch a tab for its full read — score + evidence
Company Quality
+42
Solid
edge √Σ 121 · risk √Σ 77 · conf 7/10

TPB is a mature earner with genuine cash generation: FCF of roughly $43-62M annually over five years, OCF/NI of 1.66x, and negative accruals (-3.3% of assets) all point to clean earnings quality. Gross margin has climbed from 48.9% in 2021 to 57.1% in 2025, and revenue re-accelerated to $463.1M in 2025 after a multi-year drift down from $445M to $361M. Net income of $58.2M on 20.6% operating margin in 2025 is the best profit print in the window. Altman Z of 4.13 puts the balance sheet in the safe zone despite $222.8M cash being outweighed by debt (net cash -$70.9M). Capital discipline is a real strength: diluted share count fell from 22.4M to 18.7M (-4.4% CAGR), SBC is a modest 1.5% of revenue, and buybacks run 2.17x SBC - management is a net buyer concentrating per-share value. Insider tape is mostly awards with only two small directional sales (~$562K); nothing alarming, nothing bullish. The soft spots: Beneish M at -1.3 crosses the -1.78 threshold and warrants a closer read given the sharp 2025 revenue jump (+28% YoY) after years of decline; net debt means the balance sheet is a constraint rather than a cushion; and the tobacco/alternatives category carries structural/regulatory risk not visible in the financials.

Strengths 4
m70
Genuine cash conversion
OCF/NI 1.66x, accruals -3.3% of assets, and $43.8M current FCF against $58.2M NI confirm earnings are backed by cash, not accrual buildup.
m65
Per-share value concentration
Diluted shares down from 22.4M (2021) to 18.7M (2025), -4.4% CAGR, with buybacks at 217% of SBC - real capital return, not optics.
m60
Margin expansion and revenue re-acceleration
Gross margin lifted 820bps (48.9% to 57.1%) while 2025 revenue rebounded to $463.1M from a $360.7M trough, driving record $58.2M net income.
m45
Altman Z 4.13 - safe zone
Bankruptcy risk statistically low despite carrying net debt; $222.8M cash provides operational flexibility.
Concerns 4
m50
Beneish M -1.3 flags on a big revenue snap-back
M-score above the -1.78 threshold coincides with a +28% YoY revenue jump after three years of decline - not proof of manipulation but worth interrogating (channel fill, acquisitions, one-time items).
m40
Net debt position
Net cash -$70.9M means the balance sheet supports rather than cushions the business; debt service consumes optionality if category headwinds return.
m35
Uneven historical trajectory
Revenue fell for three straight years (2021-2024) and 2022 net income collapsed to $11.6M; the recent bounce is encouraging but not yet a demonstrated multi-year trend.
m25
Category/regulatory exposure
Tobacco and alternatives (Zig-Zag, Stoker's, modern oral) face structural regulatory risk not captured in the financials - a durability question.
This looks like a competently run, cash-generative small-cap tobacco/alternatives operator that is doing the boring things right: expanding gross margin 820bps over five years, buying back stock faster than it issues it, and converting earnings to cash cleanly. The 2025 print is genuinely strong. What keeps me from calling it Strong rather than Solid is the shape of the trajectory - a three-year revenue slide followed by a sudden 28% snap-back that also happens to trip the Beneish M threshold. I want to see whether that jump is organic and repeatable or a mix effect/M&A/one-timer before I upgrade. Net debt is manageable but not a cushion, and the category itself carries tail risk no forensic module captures. Business quality: better than average, not yet fortress.
Verify before trusting this (6)
  • Drivers of the 2025 revenue jump from $360.7M to $463.1M - organic vs. acquired (any M&A), and any accounting policy changes
  • Composition of receivables and inventory growth in 2025 vs. sales growth (Beneish M sub-components)
  • Debt maturity schedule, interest coverage, and any convertible notes affecting the diluted share count math
  • Segment mix - Zig-Zag vs. Stoker's vs. NewGen (CBD/vape) - and customer/distributor concentration
  • Regulatory exposure on modern oral nicotine, synthetic nicotine, and any pending FDA PMTA outcomes
  • Nature of the 2022 net income collapse to $11.6M (impairments, one-time charges)
Valuation / Mispricing
-30
Fairly Valued
edge √Σ 43 · risk √Σ 74 · conf 6/10
price $74.61 vs signal-adj FV $81.26 - ~9% upside, essentially fair with modest cushion. attractive below $63.00

The composite fair value is $85.06 and the signal-adjusted FV is $81.26, putting the deserved-value gap at roughly 9-14% above the $74.61 price. That is thin for a tobacco small-cap carrying secular-decline and regulatory tail risk. The methods disagree sharply: DCF lands at $80.01 (roughly in line with signal-adj FV), EPV floor is only $47.82 (meaning if growth stalls, downside to a no-growth capitalized-earnings floor is ~36%), and the anchored P/E prints $132.39 which is almost certainly a runaway multiple extrapolation on a peak-margin year and should be discounted heavily. Strip the anchored-PE outlier and the honest deserved range is roughly $60-85, with a midpoint essentially on top of today's price. Earnings quality is high (score 2) so no haircut needed there, and the Solid business grade supports the upper half of that range - but neither is a reason to pay up. What is priced in: continued Zig-Zag/Stoker's cash generation, gradual NewGen contribution, and steady buybacks. What would break the thesis: a NewGen stumble or FDA action on modern oral / alternative nicotine, which would collapse the DCF toward EPV. Net: fair, not cheap. I would want the price closer to the EPV-anchored zone before adding size.

Cheap signals 2
m35
Modest discount to signal-adjusted FV
At $74.61 vs $81.26 signal-adj FV and $85.06 composite, there is ~9-14% upside - a real but unremarkable gap.
m25
DCF and composite agree roughly
DCF at $80.01 corroborates the composite/signal-adj range, giving some cross-method support to a mid-$80s deserved value.
Rich / priced-in 3
m55
EPV floor implies ~36% downside if growth stalls
EPV of $47.82 vs $74.61 price means the market is paying meaningfully for growth/optionality; if NewGen or regulatory news disappoints, the no-growth anchor is far below.
m40
Anchored P/E is a runaway input
The $132.39 anchored-PE FV is ~77% above price and inconsistent with DCF/EPV - likely capitalizing peak-cycle margins; it should be discounted, not averaged in.
m30
Tobacco tail risks not fully in the multiple
Secular volume decline in traditional formats and FDA overhang on alternative nicotine argue for a discount, not a premium, to average deserved-value estimates.
This is a fair price, not a cheap one. The methods bracket a deserved value in the low-$80s once I toss out the runaway anchored-PE, so ~9% upside is what I actually have - that is not enough cushion for a small-cap tobacco name with regulatory and secular tails. The EPV at $47.82 is the number that keeps me honest: if growth disappoints, downside is real. I would get interested closer to $63, roughly halfway between EPV and DCF, where I am being paid to take the tail risk rather than hoping the composite prints.
Verify before trusting this (5)
  • NewGen segment growth and margin trajectory in the latest 10-Q
  • Zig-Zag and Stoker's organic volume vs price mix
  • Any FDA correspondence or PMTA status updates on modern oral / alternative nicotine SKUs
  • Net leverage and interest coverage post recent debt actions
  • Buyback pace and share-count trajectory vs guidance
General Sentiment
+34
Balanced
tail √Σ 67 · head √Σ 32 · conf 6/10

The macro tape is barely a factor here. Regime is neutral-leaning-tailwind (+22), VIX is a sleepy 16, and TPB's 0.92 beta means it inherits the market's mood without amplification. As a consumer defensive tobacco name, it is structurally insulated from the higher-rates / stretched-multiple headwind that would clobber a high-beta growth story. That macro shrug is the dominant fact for this ticker right now.

Tailwinds 3
m55
Momentum is quietly working
Recent 28.4% run vastly outpaces the 6.9% long-term CAGR and the 3-year trend is accelerating - that is a real, persistent bid in the tape even without a loud narrative.
m30
Defensive sector shelter
Tobacco / consumer defensive with 0.92 beta absorbs macro shocks poorly-transmitted from a 26.9 market PE and 4.68% 10y - the risk-off insurance embedded in the sector mutes any rates headwind.
m25
Neutral-positive regime for defensives
A calm VIX 16 tape with a nascent tailwind score lets steady cash-generative names drift higher on their fundamentals rather than fight a risk-off wave.
Headwinds 2
m25
No narrative, no cult bid
Intensity minimal, cult low, archetype steady-compounder - there is no story engine to attract flows or defend the stock if sentiment shifts. It trades on fundamentals alone, which caps upside surprise from sentiment.
m20
Category overhang via Altria read-through
The Altria headline flagging the earnings-vs-sales gap keeps the tobacco secular-decline / regulatory-tightening question live in investors' minds, a low-grade drip on the whole cohort including TPB.
Net-net this is close to a wash leaning very mild tailwind. There is no active narrative pressing this stock in either direction - it is a quiet compounder in a quiet tape, and the low beta plus defensive sector shield it from the rates/PE macro drag that is squeezing higher-multiple names. The recent 28% run tells me flows are drifting in on their own without a story, which is fragile but real. I would call it Balanced with a faint positive tilt - sentiment is neither a reason to buy nor sell this name; the fundamental and valuation lenses should carry the decision.
Verify before trusting this (4)
  • Any FDA / flavor-ban / PMTA headline that would reprice the whole nicotine cohort
  • Whether the recent momentum run attracts sell-side upgrades or is faded by profit-taking
  • VIX break above 20 that would test the low-beta defensive bid
  • NewGen segment commentary in next print - the only place a narrative could ignite
The market-wide tape + this name's exposure to it (beta / sector / narrative durability). Context on the non-fundamental pressure — not a call on the business or the price. processId: detail-general-sentiment
Growth Outlook
not run

This lens hasn't been run for this ticker yet.

The forward growth verdict — is the business itself likely to grow (next 2 quarters / year 1 / years 2–3), judged against its category and against printed expectations. The full horizon ladder + creme renders on the Growth Outlook card above. Not a call on the price (Valuation owns that) or the tape (Sentiment owns that).
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Lenses kept deliberately separate — Company Quality (price-agnostic), Valuation (price-conditional), General Sentiment (non-fundamental macro/narrative pressure), and Growth Outlook (the forward growth verdict). The scores are not blended. Filing-level items (convertibles, lock-ups, customer concentration) are v2 — see each lens's "verify."
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My Notes personal — only you see this
v1.1.562 · 9b2927c4 · 2026-08-22 16:52:06