Avidbank Holdings, Inc. Financial Ratios — AVBH Stock

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2024	12/31/2025

Return on Common Equity (%)	-13.04	-5.77	-1.63	29.52	24.87	8.7	6.17	5.83	7.32	13.03	7.83	12.26	12.52	12.12	-7.54
Return on Assets (%)	-5.11	-1.22	-0.22	3.63	2.24	0.72	0.55	0.57	0.69	1.16	0.79	1.31	1.26	1.22	-0.8
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-168.31	-15.08	1.28	4.26	7.3	5.97	6.48	7.25	7.04	6.03	4.27	3.04	2.74	2.03	3.66
Operating Margin (%)	-195.56	-31.61	-5.03	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	2.75	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	- -	- -	18.83	24.7	30.07	24.29	25.3	24.62	39.57	33.42	38.05	37.63	36.69	-87.2
Profit Margin (%)	-195.56	-31.61	-5.02	17.4	29.03	17.18	15.05	15.29	15.42	26.43	17.44	27.4	27.09	25.87	-63.22
Net Income to Common Margin (%)	-195.56	-31.61	-5.02	16	24.83	15.02	13.79	15.29	15.42	26.43	17.44	27.4	27.09	25.87	-63.22
Effective Tax Rate (%)	- -	- -	- -	7.6	- -	42.85	38.03	39.56	37.36	33.21	47.81	28	28	29.49	- -
Dvd Payout Ratio (%)	- -	- -	- -	5.91	0.11	-1.89	0.17	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	-13.04	-5.77	-1.63	27.78	24.84	8.86	6.16	5.83	7.32	13.03	7.83	12.26	12.52	12.12	-7.54

Credit (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	50	12	12	42	12	22	207	82
ST Debt	- -	- -	- -	- -	- -	- -	- -	25	- -	- -	- -	- -	- -	185	60
LT Debt	- -	- -	- -	- -	- -	- -	- -	25	12	12	42	12	22	22	22
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	38.43	6.91	7.05	30.17	9.6	16.59	125.61	72.37
Net Debt/EBITDA	0.3	20.64	-94.37	- -	-12.83	-22.56	-15.65	24.61	-5.75	-5.2	6.07	-12.81	-100.98	75.42	-64.05
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	0.26	9.85	24.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	27.37	17.15	11.31	- -	7.71	6.93	9.13	10.33	8.67	9.18	10.86	10.5	9.65	10.31	10.94
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	48.5	20.88	18.39	46.87	11.78	18.53	11.8	7.83
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	25.39	18.21	16.43	32.93	10.95	16.5	4.95	6.06
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	5.33	1.93	1.81	5.33	1.29	1.91	0.95	0.86
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	97	20.88	18.39	46.87	11.78	18.53	111.07	29.18
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	50.78	18.21	16.43	32.93	10.95	16.5	46.55	22.58
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	10.66	1.93	1.81	5.33	1.29	1.91	8.98	3.19
Net Debt to Equity	-3.57	-58.05	-38.66	- -	-36.73	-56.76	-35.2	62.1	-17.37	-13.58	9.43	-15.73	-112.79	66.7	-25.83
Net Debt/Capital (%)	-3.7	-139.98	-65.14	- -	-62.13	-162.22	-58.67	39.78	-22.75	-16.99	8.99	-19.64	593.11	34.34	-34.79
EBITDA	-2	- -	- -	1	1	1	1	1	2	2	1	1	1	2	1
EBITDA-CapEx	-2	- -	- -	- -	1	- -	1	1	1	2	-4	- -	1	2	1
Operating Income (Loss)	-2	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	27.37	17.15	11.31	- -	7.71	6.93	9.13	10.33	8.67	9.18	10.86	10.5	9.65	10.31	10.94
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	48.5	20.88	18.39	46.87	11.78	18.53	11.8	7.83
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	25.39	18.21	16.43	32.93	10.95	16.5	4.95	6.06
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	5.33	1.93	1.81	5.33	1.29	1.91	0.95	0.86
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	97	20.88	18.39	46.87	11.78	18.53	111.07	29.18
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	50.78	18.21	16.43	32.93	10.95	16.5	46.55	22.58
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	10.66	1.93	1.81	5.33	1.29	1.91	8.98	3.19
CFO/Total Liabilities	-4.16	-0.6	0.53	- -	1.36	1.27	0.74	0.92	1.19	0.85	1.59	1.85	1.45	1.07	1.71
CFO/CapEx	- -	- -	- -	9.93	24.08	5.29	10.97	12.1	24.14	48.55	1.92	17.06	19.94	482.79	419.71
Altman's Z-Score	-0.2	-0.08	-0.02	- -	0.03	0.04	0.04	0.06	0.06	0.08	0.08	0.1	0.1	0.11	0.13

Working Capital (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2024	12/31/2025

Accounts Receivable Turnover	3.96	5.12	6.21	31.44	5.17	3.37	3.92	2.8	2.99	2.73	2.45	2.79	2.13	5.61	- -
Days Sales Outstanding	92.14	71.29	58.76	11.61	70.53	108.38	93.15	130.38	122.25	133.7	148.83	131	171.18	65.1	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	231
- Cash & Cash Equivalents	1	8	5	- -	12	21	17	18	21	20	33	28	153	83	155
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	6	6	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	50	12	12	42	12	22	207	82
Enterprise Value	-1	-8	-5	- -	-89	-71	-76	-47	-79	-98	-66	-72	-183	-157	-51
Total Capital	15	14	14	- -	32	35	46	98	64	71	127	108	131	445	363
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	50.78	18.21	16.43	32.93	10.95	16.5	46.55	22.58
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	-1.05	-0.15	-0.12	-0.63	-0.16	-0.12	-1.32	-1.62
EV/Sales	22.02	5.97	4.86	- -	- -	- -	- -	0.26	- -	- -	1.76	1.19	- -	0.06	- -
EV/EBITDA	- -	- -	379.43	- -	- -	- -	- -	3.55	- -	- -	41.26	39.29	- -	3.11	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	1.21	- -	- -	5.19	3.21	- -	0.23	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	1.11	- -	- -	3.41	3.04	- -	0.23	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	231
Diluted Enterprise Value	-1	-8	-5	- -	-6	-16	-17	32	-10	-9	8	-16	-131	124	159
EV per Share	12.56	8.48	11.61	- -	- -	- -	- -	1.07	- -	- -	11.11	8.43	- -	0.69	- -
TTM Sales	1	3	5	13	13	16	17	18	24	27	32	41	47	81	31
TTM EBITDA	-2	- -	- -	1	1	1	1	1	2	2	1	1	1	2	1
TTM Operating Income	-2	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	5	4	5	3	4	6	5	11	15	15	23	39
TTM Free Cash Flow to Firm	- -	- -	- -	6	4	6	4	4	7	5	17	16	15	23	39

Multiples (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.91
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-1	-8	-5	- -	-89	-71	-76	-47	-79	-98	-66	-72	-183	-157	-51
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.54
EV/Sales	22.02	5.97	4.86	- -	- -	- -	- -	0.26	- -	- -	1.76	1.19	- -	0.06	- -
EV/EBITDA	- -	- -	379.43	- -	- -	- -	- -	3.55	- -	- -	41.26	39.29	- -	3.11	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-11.35
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-12.46
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-9.59
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.82
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.79
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.87
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.67
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.82
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.79
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.87
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.67
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.47
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.17
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.88
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.06
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.92
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.68
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.24
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.8
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.67
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.23
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.79
EV/Sales Average	21.59	6.31	4.71	- -	0.87	0.53	1.12	1.78	1.94	2.17	0.26	3.09	0.11	1.53	4.83
EV/Sales High	22.72	6.92	5.59	- -	1.13	0.94	1.49	1.78	2.37	2.87	0.26	3.35	0.32	1.53	5.53
EV/Sales Low	20.53	5.41	3.86	- -	0.69	0.02	0.91	1.78	1.82	1.93	0.26	2.57	- -	1.53	3.71
EV/EBITDA Average	0.3	20.64	-94.37	- -	-6.71	-16.31	-15.65	24.61	-5.75	-5.2	6.07	-12.81	-100.98	75.42	131.78
EV/EBITDA High	0.3	20.64	-94.37	- -	-6.71	-16.31	-15.65	24.61	-5.75	-5.2	6.07	-12.81	-100.98	75.42	150.94
EV/EBITDA Low	0.3	20.64	-94.37	- -	-6.71	-16.31	-15.65	24.61	-5.75	-5.2	6.07	-12.81	-100.98	75.42	101.4
EV/EBIT Average	0.26	9.85	24.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	0.26	9.85	24.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	0.26	9.85	24.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.56
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.99
Enterprise Value Average	-1	-8	-5	- -	-6	-16	-17	32	-10	-9	8	-16	-131	124	149
Enterprise Value High	-1	-8	-5	- -	-6	-16	-17	32	-10	-9	8	-16	-131	124	171
Enterprise Value Low	-1	-8	-5	- -	-6	-16	-17	32	-10	-9	8	-16	-131	124	115

Shares Outstanding	2	2	2	- -	3	3	4	4	4	5	6	6	6	8	11
Diluted Weighted Avg Shares	2	2	2	3	3	3	4	4	5	5	5	6	6	8	9
Basic Weighted Avg Shares	2	2	2	3	3	3	3	4	4	5	5	6	6	7	9
Revenue per Share	0.57	1.42	2.39	4.91	5.08	6.12	4.8	4.15	5.4	6.08	6.31	7.06	8.18	10.94	3.55
EBITDA per Share	-0.96	-0.21	0.03	0.21	0.37	0.36	0.31	0.3	0.38	0.37	0.27	0.21	0.22	0.22	0.13
Operating Income per Share	-1.12	-0.45	-0.12	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-1.12	-0.45	-0.12	0.79	1.26	0.92	0.66	0.63	0.83	1.61	1.1	1.93	2.22	2.83	-2.25
Basic EPS from Cont Ops	-1.12	-0.45	-0.12	0.85	1.47	1.05	0.72	0.63	0.83	1.61	1.1	1.93	2.22	2.83	-2.25
Diluted EPS, GAAP	-1.12	-0.45	-0.12	0.79	1.26	0.91	0.64	0.62	0.81	1.56	1.08	1.9	2.17	2.76	-2.25
Diluted EPS from Cont Ops	-1.12	-0.45	-0.12	0.85	1.47	1.04	0.7	0.62	0.81	1.56	1.08	1.9	2.17	2.76	-2.25
Dividend per Share	- -	- -	- -	0.12	0.21	0.11	0.06	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.88	-0.22	0.3	2.05	1.61	1.84	0.97	0.88	1.47	1.1	2.14	2.62	2.54	3.06	4.49
Free Cash Flow per Basic Share	-0.88	-0.22	0.3	1.84	1.55	1.49	0.88	0.81	1.41	1.07	1.03	2.47	2.41	3.05	4.47
Cash & Equivalents per Share	0.29	4.42	2.89	- -	36.34	29.43	21.84	22.55	20.59	24.33	20.96	14.63	35.31	48.98	41.81
Book Value per Share	8	7.58	7.32	- -	10.14	11.03	13.16	11.21	11.79	13.13	16.55	16.74	18.81	32.01	32.31
Tangible Book Value per Share	8	7.61	7.47	- -	10.68	12.22	13.82	11.92	12.58	14.05	17.34	17.48	20.06	25.1	32.29

Avidbank Holdings, Inc.

Profitability (USD)

Credit (USD)

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Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)