Bonvenu Bancorp, Inc. Financial Ratios — BBNA Stock

Profitability (USD)

	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1994	12/31/1995	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 (%)	- -	16.42	14.71	8.65	9.69	12.87	11.32	4.39	6.34
Return on Assets (%)	- -	1.45	1.6	0.94	0.95	1.01	0.76	0.3	0.46
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	16.78	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	614.29	484.21	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	614.29	484.21	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	120	-22.38	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	578.57	473.68	33.27	28.22	31.67	33.86	27.54	11.91	17.56
Profit Margin (%)	428.57	347.37	28.34	23.38	26.62	27.76	23.02	10.67	14.78
Net Income to Common Margin (%)	428.57	347.37	28.34	23.38	26.62	27.76	23.02	10.67	14.78
Effective Tax Rate (%)	25.93	26.67	14.81	17.16	15.94	18.02	16.42	10.34	15.84
Dvd Payout Ratio (%)	21.67	21.21	26.92	46.1	39.76	45.78	56.42	137.31	44.71
Sustainable Growth Rate (%)	- -	12.94	10.75	4.66	5.83	6.98	4.93	-1.64	3.51

Credit (USD)

Credit Ratios API ChatGPT

	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1994	12/31/1995	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	5	164	77	68
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	5	164	77	68
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.86	9.67	11.45	10.42	9.29	6.56	6.89	6.98	7.63
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	5.55	148.68	71.03	55.14
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	5.26	59.79	41.53	35.54
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.36	10.25	4.96	4.21
Total Debt/Equity (%)	- -	- -	- -	- -	- -	5.55	148.68	71.03	55.14
Total Debt/Capital (%)	- -	- -	- -	- -	- -	5.26	59.79	41.53	35.54
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.36	10.25	4.96	4.21
Net Debt to Equity	-42.06	-47.2	-78.73	-205.31	-153.88	-72.09	-70.54	-85.75	-155.32
Net Debt/Capital (%)	-72.59	-89.39	-370.18	194.96	285.6	-215.43	-39.6	-100.55	89,351.86
EBITDA	9	9	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	8	8	-3	-1	-3	-1	-1	-3	-1
Operating Income (Loss)	9	9	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1994	12/31/1995	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	7.86	9.67	11.45	10.42	9.29	6.56	6.89	6.98	7.63
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	5.55	148.68	71.03	55.14
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	5.26	59.79	41.53	35.54
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.36	10.25	4.96	4.21
Total Debt/Equity (%)	- -	- -	- -	- -	- -	5.55	148.68	71.03	55.14
Total Debt/Capital (%)	- -	- -	- -	- -	- -	5.26	59.79	41.53	35.54
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.36	10.25	4.96	4.21
CFO/Total Liabilities	1.73	1.98	1.69	0.91	1.39	1.09	0.87	0.46	0.79
CFO/CapEx	8.62	6.62	6.1	10.72	6.61	15.24	9.37	2.18	9.96
Altman's Z-Score	0.14	0.16	0.24	0.2	0.18	0.19	0.19	0.16	0.16

Working Capital (USD)

Working Capital Ratios API ChatGPT

	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1994	12/31/1995	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	0.46	20.01	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	797.24	18.24	- -	- -	- -	- -	- -	- -
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

	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1994	12/31/1995	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	164	131	129	165	171	111	111
- Cash & Cash Equivalents	14	22	94	262	196	69	78	92	192
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	5	164	77	68
Enterprise Value	-221	-242	70	-131	-68	101	257	95	-13
Total Capital	34	46	119	128	128	102	275	184	192
Total Debt/Capital (%)	- -	- -	- -	- -	- -	5.26	59.79	41.53	35.54
Total Debt / EV	- -	- -	- -	- -	- -	0.05	0.64	0.8	-5.31
EV/Sales	- -	- -	1.62	- -	- -	1.94	5.06	2.13	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	4.48	- -	- -	6.73	19.84	14.37	- -
EV/Free Cash Flow to Firm	- -	- -	3.85	- -	- -	6.32	17.92	9.85	- -
Diluted Market Cap	- -	- -	- -	131	129	165	171	111	111
Diluted Enterprise Value	-14	-22	-94	-131	-68	101	257	95	-13
EV per Share	- -	- -	10.66	- -	- -	15.29	39.13	14.53	- -
TTM Sales	1	2	43	46	46	52	51	45	50
TTM EBITDA	9	9	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	9	9	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	9	16	10	17	15	13	7	12
TTM Free Cash Flow to Firm	8	10	18	11	20	16	14	10	13

Multiples (USD)

Valuation Multiples API ChatGPT

	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/1994	12/31/1995	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	- -	- -	- -	11.95	6.46	10.33	11.91	11.48	8.49
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-221	-242	70	-131	-68	101	257	95	-13
Low Price	- -	- -	21	16	17.95	19.5	23.5	16.11	15
EV/Sales	- -	- -	1.62	- -	- -	1.94	5.06	2.13	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	12.27	10.4	11.45	14.6	23.26	15.13
Price/Earnings Average	- -	- -	- -	12.41	9.93	10.23	14.1	30.23	15.37
Price/Earnings High	- -	- -	- -	15.34	11.74	11.45	14.6	35.76	16.29
Price/Earnings Low	- -	- -	- -	9.82	9.58	8.93	13.19	22.11	13.35
Price/Book Value	- -	- -	1.37	1.03	1.01	1.71	1.55	1.03	0.9
Price/Book Value Average	- -	- -	1.37	1.04	0.96	1.53	1.49	1.34	0.91
Price/Book Value High	- -	- -	1.48	1.28	1.14	1.71	1.55	1.59	0.97
Price/Book Value Low	- -	- -	1.15	0.82	0.93	1.34	1.4	0.98	0.79
Price/Tangible Book Value	- -	- -	1.44	1.07	1.05	1.82	1.63	1.09	0.94
Price/Tangible Book Value Average	- -	- -	1.44	1.09	1.01	1.62	1.57	1.41	0.95
Price/Tangible Book Value High	- -	- -	1.56	1.34	1.19	1.82	1.63	1.67	1.01
Price/Tangible Book Value Low	- -	- -	1.21	0.86	0.97	1.42	1.47	1.03	0.83
Price/Sales	- -	- -	- -	2.87	2.77	3.18	3.36	2.48	2.24
Price/Sales Average	- -	- -	- -	2.9	2.64	2.84	3.24	3.23	2.27
Price/Sales High	- -	- -	- -	3.59	3.13	3.18	3.36	3.82	2.41
Price/Sales Low	- -	- -	- -	2.3	2.55	2.48	3.04	2.36	1.97
Price/Cash Flow	- -	- -	- -	13.06	7.44	11.01	13.18	16.76	9.35
Price/Cash Flow Average	- -	- -	- -	13.21	7.1	9.83	12.73	21.78	9.49
Price/Cash Flow High	- -	- -	- -	16.33	8.4	11.01	13.18	25.77	10.06
Price/Cash Flow Low	- -	- -	- -	10.45	6.85	8.59	11.91	15.93	8.25
Price/Free Cash Flow Average	- -	- -	- -	12.08	6.17	9.22	11.5	14.92	8.63
Price/Free Cash Flow High	- -	- -	- -	14.94	7.29	10.33	11.91	17.66	9.14
Price/Free Cash Flow Low	- -	- -	- -	9.56	5.95	8.06	10.76	10.92	7.49
EV/Sales Average	- -	- -	1.62	- -	- -	1.6	4.94	2.87	- -
EV/Sales High	- -	- -	1.93	- -	- -	1.94	5.06	3.46	- -
EV/Sales Low	- -	- -	1.01	- -	- -	1.25	4.73	2.01	- -
EV/EBITDA Average	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	25	20	19.5	25	26	16.95	17
High Price	- -	- -	27	25	22	25	26	26.06	18.3
Enterprise Value Average	-14	-22	70	-130	-74	83	251	129	-11
Enterprise Value High	-14	-22	83	-98	-51	101	257	155	-4
Enterprise Value Low	-14	-22	44	-157	-78	65	241	90	-26

Shares Outstanding	9	9	7	7	7	7	7	7	7
Diluted Weighted Avg Shares	9	9	- -	7	7	7	7	7	7
Basic Weighted Avg Shares	9	9	- -	7	7	7	7	7	7
Revenue per Share	0.15	0.21	- -	6.97	7.04	7.86	7.74	6.83	7.6
EBITDA per Share	0.94	1	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.94	1	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.66	0.72	- -	1.63	1.87	2.18	1.78	0.73	1.12
Basic EPS from Cont Ops	0.66	0.72	- -	1.63	1.87	2.18	1.78	0.73	1.12
Diluted EPS, GAAP	0.66	0.72	- -	1.63	1.87	2.18	1.78	0.73	1.12
Diluted EPS from Cont Ops	0.66	0.72	- -	1.63	1.87	2.18	1.78	0.73	1.12
Dividend per Share	0.14	0.15	- -	0.75	0.75	1	1	1	0.5
Cash Flow per Share	0.76	0.94	- -	1.53	2.62	2.27	1.97	1.01	1.82
Free Cash Flow per Basic Share	0.67	0.8	- -	1.39	2.22	2.12	1.76	0.55	1.64
Cash & Equivalents per Share	24.23	26.58	14.34	40.01	29.76	10.52	11.85	14.08	29.41
Book Value per Share	3.73	5.09	18.21	19.49	19.34	14.59	16.8	16.41	18.93
Tangible Book Value per Share	3.73	5.09	17.35	18.64	18.51	13.77	15.99	15.6	18.13

Bonvenu Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)