Baker Boyer Bancorp Financial Ratios — BBBK Stock

Profitability (USD)

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	3.7	13.48	13.35	13.14	13.28	10.8	10.53	13.52	12.46	8.71	8.93	15.01	6.96	3.65	5.8
Return on Assets (%)	0.31	1.1	1.13	1.16	1.19	0.94	0.9	1.2	1.18	0.79	0.7	0.96	0.43	0.27	0.48
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	13.48	13.35	13.14	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	10.39	31.14	31.63	31.14	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	3.88	24.97	25.71	25.96	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	3,542.37	-1,672.86	-640	85.71	-80.52	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	3.88	24.97	25.71	25.96	25.65	24.16	25.61	25.87	24.64	18.78	18.82	26.43	10.47	6.88	11.43
Profit Margin (%)	5.36	19.25	19.51	19.59	19.02	18.36	17.47	21.84	20.51	15.68	15.63	21.77	9.3	5.75	9.28
Net Income to Common Margin (%)	5.36	19.25	19.51	19.59	19.02	18.36	17.47	21.84	20.51	15.68	15.63	21.77	9.3	5.75	9.28
Effective Tax Rate (%)	- -	22.9	24.12	24.53	25.86	24	31.81	15.55	16.75	16.49	16.93	17.63	11.17	16.42	18.81
Dvd Payout Ratio (%)	274.17	72.79	75.48	77.21	67.89	69.13	73.11	53.46	65.84	80.06	79.12	56.61	108.54	138.38	79.56
Sustainable Growth Rate (%)	-6.44	3.67	3.27	2.99	4.26	3.33	2.83	6.29	4.26	1.74	1.86	6.51	-0.59	-1.4	1.18

Credit (USD)

Credit Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20	14	2	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20	14	2	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-6.95	-2.61	-2.01	-2.21	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-18.63	-3.26	-2.47	-2.65	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.08	8.3	8.63	8.98	8.95	8.52	8.6	9.19	9.71	8.44	7.28	5.42	7.01	8.05	8.48
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	47.06	28.77	4.63	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32	22.34	4.43	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.55	2.02	0.37	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	47.06	28.77	4.63	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32	22.34	4.43	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.55	2.02	0.37	- -
Net Debt to Equity	-51.87	-56.31	-43.02	-45.49	-152.47	-204.07	-244.89	-283.71	-310.45	-273.62	-233.8	-94.64	-53.05	-73.37	-182.75
Net Debt/Capital (%)	-107.76	-128.9	-75.49	-83.44	290.59	196.09	169.02	154.43	147.52	157.6	174.74	-180.55	-70.06	-234.63	220.85
EBITDA	2	7	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	2	7	7	7	-1	- -	- -	-1	-4	-6	-1	-1	- -	- -	- -
Operating Income (Loss)	1	6	6	6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.08	8.3	8.63	8.98	8.95	8.52	8.6	9.19	9.71	8.44	7.28	5.42	7.01	8.05	8.48
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	47.06	28.77	4.63	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32	22.34	4.43	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.55	2.02	0.37	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	47.06	28.77	4.63	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32	22.34	4.43	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.55	2.02	0.37	- -
CFO/Total Liabilities	2.45	1.9	2.01	1.46	1.59	1.59	1.88	1.87	1.77	1.09	1.21	1.16	1.12	0.97	1.07
CFO/CapEx	- -	- -	- -	- -	7.48	27.28	21.39	11.09	2.17	1.25	6.49	10.74	18.52	43.5	15.05
Altman's Z-Score	0.2	0.25	0.26	0.35	0.27	0.26	0.26	0.27	0.28	0.23	0.21	0.23	0.22	0.21	0.22

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	8.19	8.89	8.64	8.18	21.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	44.59	41.07	42.22	44.63	17.07	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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)

Enterprise Value API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	22	26	29	77	92	90	88	85	91	87	90	92	64	45	56
- Cash & Cash Equivalents	16	18	14	15	77	105	128	157	183	168	138	39	26	40	110
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20	14	2	- -
Enterprise Value	6	8	15	61	14	-15	-40	-72	-93	-81	-49	72	52	8	-54
Total Capital	31	32	33	34	51	51	52	55	59	61	59	61	64	56	60
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32	22.34	4.43	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.27	0.28	0.32	- -
EV/Sales	0.27	0.34	0.67	2.74	0.48	- -	- -	- -	- -	- -	- -	2.08	1.52	0.24	- -
EV/EBITDA	2.59	1.1	2.12	8.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	6.95	1.37	2.61	10.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.69	1.13	2.14	12.2	1.73	- -	- -	- -	- -	- -	- -	8.63	7.01	1.32	- -
EV/Free Cash Flow to Firm	0.69	1.13	2.14	12.2	1.52	- -	- -	- -	- -	- -	- -	7.89	6.65	1.29	- -
Diluted Market Cap	22	26	29	76	91	91	89	85	91	88	90	91	64	45	56
Diluted Enterprise Value	6	8	15	61	13	-13	-39	-72	-92	-80	-48	72	51	8	-54
EV per Share	4.68	5.9	11.47	47.15	10.86	- -	- -	- -	- -	- -	- -	55.38	39.76	6.03	- -
TTM Sales	23	22	22	22	30	30	31	33	35	33	34	35	34	33	36
TTM EBITDA	2	7	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	1	6	6	6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	9	7	7	5	8	9	10	10	10	7	9	8	7	6	7
TTM Free Cash Flow to Firm	9	7	7	5	9	9	11	11	14	13	11	9	8	6	7

Multiples (USD)

Valuation Multiples API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	2.56	3.84	4.14	15.17	9.75	10.07	8.1	7.66	6.42	6.74	8.57	9.98	8.13	7.34	7.57
EV/EBIT	6.95	1.37	2.61	10.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	6	8	15	61	14	-15	-40	-72	-93	-81	-49	72	52	8	-54
Low Price	43	45.5	46	51	66	67.75	65	64	65	55	62	69.68	47	30.05	34.34
EV/Sales	0.27	0.34	0.67	2.74	0.48	- -	- -	- -	- -	- -	- -	2.08	1.52	0.24	- -
EV/EBITDA	2.59	1.1	2.12	8.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	18.5	6.04	6.67	17.39	16.12	16.47	16.18	11.65	12.75	16.7	16.67	12	19.86	23.39	16.75
Price/Earnings Average	21.95	5.94	6.35	13.76	15.68	17.01	16.19	11.75	12.69	16.57	16.74	12.04	25.6	26.25	16.02
Price/Earnings High	62.9	15.77	16.72	17.98	16.12	28.71	16.79	12.09	15.86	19.4	17.74	12.59	29.24	33.38	17.86
Price/Earnings Low	46.23	13.8	13.73	15.03	15.19	15.94	15.35	11.3	11.72	13.51	14.77	11.86	19.05	20.47	13.44
Price/Book Value	0.71	0.8	0.88	2.26	1.8	1.76	1.68	1.53	1.54	1.42	1.52	2.22	1.29	0.83	0.94
Price/Book Value Average	0.84	0.79	0.84	1.79	1.76	1.81	1.68	1.54	1.53	1.41	1.52	2.23	1.66	0.94	0.89
Price/Book Value High	2.42	2.09	2.22	2.34	1.8	3.06	1.74	1.59	1.91	1.65	1.61	2.33	1.9	1.19	1
Price/Book Value Low	1.78	1.83	1.82	1.96	1.7	1.7	1.6	1.48	1.41	1.15	1.34	2.19	1.24	0.73	0.75
Price/Tangible Book Value	0.71	0.8	0.88	2.26	1.8	1.76	1.68	1.53	1.54	1.42	1.52	2.22	1.29	0.83	0.94
Price/Tangible Book Value Average	0.84	0.79	0.84	1.79	1.76	1.81	1.68	1.54	1.53	1.41	1.52	2.23	1.66	0.94	0.89
Price/Tangible Book Value High	2.42	2.09	2.22	2.34	1.8	3.06	1.74	1.59	1.91	1.65	1.61	2.33	1.9	1.19	1
Price/Tangible Book Value Low	1.78	1.83	1.82	1.96	1.7	1.7	1.6	1.48	1.41	1.15	1.34	2.19	1.24	0.73	0.75
Price/Sales	0.99	1.16	1.3	3.41	3.06	3.03	2.83	2.55	2.62	2.62	2.61	2.61	1.85	1.35	1.55
Price/Sales Average	1.18	1.14	1.24	2.7	2.98	3.12	2.83	2.57	2.6	2.6	2.62	2.62	2.38	1.51	1.49
Price/Sales High	3.37	3.04	3.26	3.52	3.06	5.27	2.93	2.64	3.25	3.04	2.77	2.74	2.72	1.92	1.66
Price/Sales Low	2.48	2.66	2.68	2.95	2.89	2.93	2.68	2.47	2.4	2.12	2.31	2.58	1.77	1.18	1.25
Price/Cash Flow	2.56	3.84	4.14	15.17	11	10.39	8.45	8.31	9.33	12.05	9.82	10.83	8.5	7.43	8
Price/Cash Flow Average	3.03	3.78	3.95	12	10.7	10.73	8.45	8.38	9.28	11.96	9.86	10.87	10.96	8.34	7.65
Price/Cash Flow High	8.69	10.03	10.39	15.68	11	18.12	8.77	8.62	11.61	14	10.45	11.36	12.52	10.61	8.53
Price/Cash Flow Low	6.39	8.78	8.53	13.11	10.37	10.06	8.02	8.06	8.57	9.75	8.7	10.7	8.16	6.51	6.42
Price/Free Cash Flow Average	3.03	3.78	3.95	12	9.48	10.39	8.11	7.72	6.38	6.69	8.61	10.02	10.48	8.24	7.24
Price/Free Cash Flow High	8.69	10.03	10.39	15.68	9.75	17.54	8.41	7.95	7.98	7.83	9.12	10.47	11.97	10.48	8.07
Price/Free Cash Flow Low	6.39	8.78	8.53	13.11	9.19	9.74	7.69	7.42	5.9	5.45	7.59	9.86	7.8	6.43	6.08
EV/Sales Average	0.45	0.32	0.61	2.02	0.4	- -	- -	- -	- -	- -	- -	2.09	2.06	0.41	- -
EV/Sales High	2.65	2.21	2.64	2.86	0.48	1.75	- -	- -	- -	- -	- -	2.21	2.41	0.82	- -
EV/Sales Low	1.76	1.83	2.05	2.27	0.3	- -	- -	- -	- -	- -	- -	2.05	1.45	0.07	- -
EV/EBITDA Average	4.37	1.04	1.93	6.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	25.49	7.09	8.34	9.17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	16.9	5.88	6.49	7.31	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	11.72	1.3	2.37	7.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	68.31	8.84	10.26	11	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	45.28	7.33	7.99	8.76	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	17.21	19.91	22.33	59	70	70	68.5	66	70.75	68	70	70.5	49	34.34	42.8
High Price	58.5	52	56	61	70	122	71.1	68.5	88	79	74.5	74	72.13	49	45.63
Enterprise Value Average	10	7	14	45	12	-12	-40	-71	-93	-81	-48	73	70	13	-56
Enterprise Value High	60	49	59	64	14	52	-37	-69	-70	-67	-43	77	82	27	-50
Enterprise Value Low	40	41	46	51	9	-17	-45	-75	-100	-97	-59	71	49	2	-65

Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Revenue per Share	17.36	17.13	17.17	17.32	22.84	23.14	24.24	25.93	27.04	25.96	26.86	26.99	26.52	25.52	27.53
EBITDA per Share	1.8	5.33	5.43	5.39	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.67	4.28	4.41	4.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.93	3.3	3.35	3.39	4.34	4.25	4.23	5.66	5.55	4.07	4.2	5.88	2.47	1.47	2.56
Basic EPS from Cont Ops	0.93	3.3	3.35	3.39	4.34	4.25	4.23	5.66	5.55	4.07	4.2	5.88	2.47	1.47	2.56
Diluted EPS, GAAP	0.93	3.3	3.35	3.39	4.32	4.23	4.22	5.64	5.52	4.04	4.17	5.83	2.45	1.45	2.53
Diluted EPS from Cont Ops	0.93	3.3	3.35	3.39	4.32	4.23	4.22	5.64	5.52	4.04	4.17	5.83	2.45	1.45	2.53
Dividend per Share	2.55	2.4	2.53	2.62	2.95	2.94	3.1	3.03	3.65	3.26	3.32	3.33	2.68	2.03	2.03
Cash Flow per Share	6.73	5.18	5.39	3.89	6.36	6.73	8.11	7.94	7.58	5.64	7.13	6.51	5.76	4.62	5.35
Free Cash Flow per Basic Share	6.73	5.18	5.39	3.89	5.51	6.49	7.73	7.23	4.09	1.13	6.03	5.91	5.45	4.51	4.99
Cash & Equivalents per Share	12.53	14.01	10.86	11.85	59.14	81.3	99.78	122.36	142.95	131.16	107.9	30.08	20.19	30.22	83.58
Book Value per Share	24.17	24.88	25.24	26.05	38.79	39.84	40.75	43.13	46.05	47.93	46.15	31.78	38.05	41.19	45.74
Tangible Book Value per Share	24.17	24.88	25.24	26.05	38.79	39.84	40.75	43.13	46.05	47.93	46.15	31.78	38.05	41.19	45.74

Baker Boyer Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)