BEO Bancorp Financial Ratios — BEOB Stock

Profitability (USD)

	2003 Y	2004 Y	2005 Y	2006 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	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	14.95	14.13	19.09	19.87	15.15	16.64	17.83	24.28	22.73	18.59
Return on Assets (%)	- -	0.59	0.57	0.82	1.26	0.97	0.94	1.01	1.63	1.91	1.77
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	6.83	5.76	7.7	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	23.56	28.85	24.97	30.5	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	14.72	12.92	11.99	20.29	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	9.12	2.56	105.1	-11.47	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	14.72	12.92	11.99	20.29	20.53	23.51	28.13	31.55	39.06	41.2	40.12
Profit Margin (%)	13	11.88	11.21	15.59	16.44	19.13	21.72	24.56	29.76	31.24	30.25
Net Income to Common Margin (%)	13	11.88	11.21	15.59	16.44	19.13	21.72	24.56	29.76	31.24	30.25
Effective Tax Rate (%)	11.67	8.04	6.53	23.18	19.94	19.92	23.83	22.98	24.15	24.31	24.61
Dvd Payout Ratio (%)	54.2	40.37	34.41	22.53	24.71	20.77	17.41	14.03	9.93	9.39	15.08
Sustainable Growth Rate (%)	- -	8.91	9.27	14.79	14.96	12.01	13.74	15.33	21.87	20.6	15.79

Credit (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 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	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	4	7	10	11	11	13	16	16	13	9	8
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	4	7	10	11	11	13	16	16	13	9	8
Total Debt/EBITDA	3.2	3.33	4.63	3.76	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-7.94	1.24	1.04	1.99	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	5.13	7.43	9.65	5.65	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-12.71	2.77	2.16	2.99	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.92	4	4.06	4.47	7.07	5.89	5.48	5.88	7.57	9.24	9.8
Long-Term Debt/Equity (%)	51.95	94.37	123.6	115.19	28.2	31.14	33.33	31.67	19.55	10.92	8.13
Long-Term Debt/Capital (%)	40.33	53.62	58.23	56.65	23.37	24.96	26.2	23.21	16.12	9.92	7.68
Long-Term Debt/Total Assets (%)	2.65	4.62	5.66	5.84	2.16	1.96	1.94	1.78	1.46	1.02	0.82
Total Debt/Equity (%)	51.95	94.37	123.6	115.19	28.2	31.14	33.33	31.67	19.55	10.92	8.13
Total Debt/Capital (%)	40.33	53.62	58.23	56.65	23.37	24.96	26.2	23.21	16.12	9.92	7.68
Total Debt/Total Assets (%)	2.65	4.62	5.66	5.84	2.16	1.96	1.94	1.78	1.46	1.02	0.82
Net Debt to Equity	-128.69	35.22	27.7	60.94	-37.87	-323.09	-599.35	-347.29	-103.88	-42.13	-111.03
Net Debt/Capital (%)	248.34	30.14	23.81	40.88	-45.74	162.92	126.94	164.71	-598.68	-61.99	2,134.9
EBITDA	1	2	2	3	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	1	2	2	3	-1	- -	- -	-1	-1	-2	-1
Operating Income (Loss)	1	1	1	2	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 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	12/31/2019	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	3.92	4	4.06	4.47	7.07	5.89	5.48	5.88	7.57	9.24	9.8
Long-Term Debt/Equity (%)	51.95	94.37	123.6	115.19	28.2	31.14	33.33	31.67	19.55	10.92	8.13
Long-Term Debt/Capital (%)	40.33	53.62	58.23	56.65	23.37	24.96	26.2	23.21	16.12	9.92	7.68
Long-Term Debt/Total Assets (%)	2.65	4.62	5.66	5.84	2.16	1.96	1.94	1.78	1.46	1.02	0.82
Total Debt/Equity (%)	51.95	94.37	123.6	115.19	28.2	31.14	33.33	31.67	19.55	10.92	8.13
Total Debt/Capital (%)	40.33	53.62	58.23	56.65	23.37	24.96	26.2	23.21	16.12	9.92	7.68
Total Debt/Total Assets (%)	2.65	4.62	5.66	5.84	2.16	1.96	1.94	1.78	1.46	1.02	0.82
CFO/Total Liabilities	1	1.38	1.74	1.59	2.4	1.3	1.17	1.04	1.74	1.81	1.78
CFO/CapEx	- -	- -	- -	- -	7.57	19.75	34.17	16.06	10.25	7.25	21.17
Altman's Z-Score	0.09	0.17	0.16	0.19	0.2	0.17	0.15	0.15	0.21	0.26	0.19

Working Capital (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 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	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	7.77	6.13	5.71	28.35	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	46.97	59.57	63.92	12.87	- -	- -	- -	- -	- -	- -
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

	2003 Y	2004 Y	2005 Y	2006 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	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	16	15	16	41	51	49	49	65	95	- -
- Cash & Cash Equivalents	14	5	8	5	14	135	287	174	67	34	107
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	4	7	10	11	11	13	16	16	13	9	8
Enterprise Value	-10	19	17	21	38	-71	-222	-109	11	69	-99
Total Capital	10	14	17	19	45	52	61	68	78	89	102
Total Debt/Capital (%)	40.33	53.62	58.23	56.65	23.37	24.96	26.2	23.21	16.12	9.92	7.68
Total Debt / EV	-0.4	0.4	0.57	0.5	0.28	-0.18	-0.07	-0.15	1.11	0.13	-0.08
EV/Sales	- -	2.39	2.01	2.28	1.45	- -	- -	- -	0.23	1.31	- -
EV/EBITDA	- -	8.29	8.06	7.49	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	18.5	16.79	11.26	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	8.75	5.93	7.7	3.45	- -	- -	- -	0.81	4.87	- -
EV/Free Cash Flow to Firm	- -	8.75	5.93	7.7	3.05	- -	- -	- -	0.74	4.28	- -
Diluted Market Cap	- -	16	15	16	41	56	53	53	68	96	- -
Diluted Enterprise Value	-10	19	17	21	38	-66	-218	-105	14	71	-99
EV per Share	- -	10.59	9.79	12.17	15.96	- -	- -	- -	4.65	28.23	- -
TTM Sales	5	8	9	9	26	29	32	35	48	53	54
TTM EBITDA	1	2	2	3	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	1	1	1	2	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	2	3	3	11	8	9	9	14	14	15
TTM Free Cash Flow to Firm	1	2	3	3	12	9	9	9	15	16	16

Multiples (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 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	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	7.44	5.17	5.66	3.35	6.59	5.76	5.71	4.45	5.92	- -
EV/EBIT	- -	18.5	16.79	11.26	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-10	19	17	21	38	-71	-222	-109	11	69	-99
Low Price	- -	8.75	8.03	8.25	13.8	12.5	17.55	18.02	19.5	27.16	37.25
EV/Sales	- -	2.39	2.01	2.28	1.45	- -	- -	- -	0.23	1.31	- -
EV/EBITDA	- -	8.29	8.06	7.49	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	17.1	15.65	10.77	9.67	9.16	7.04	5.62	4.58	5.73	- -
Price/Earnings Average	- -	17.26	15.93	10.4	8.75	6.96	6.36	5.5	4.1	5.15	- -
Price/Earnings High	- -	19	17.67	10.95	10.15	9.29	7.46	6.8	5.17	5.81	- -
Price/Earnings Low	- -	16.62	14.73	9.94	7.62	5.28	6.03	5	3.3	4.05	- -
Price/Book Value	- -	2.45	2.11	1.91	1.19	1.31	1.1	0.93	1	1.18	- -
Price/Book Value Average	- -	2.47	2.15	1.85	1.08	0.99	0.99	0.91	0.9	1.06	- -
Price/Book Value High	- -	2.72	2.39	1.95	1.25	1.33	1.16	1.13	1.13	1.2	- -
Price/Book Value Low	- -	2.38	1.99	1.77	0.94	0.75	0.94	0.83	0.72	0.83	- -
Price/Tangible Book Value	- -	2.58	2.31	1.95	1.15	1.27	1.06	1	1.03	1.18	- -
Price/Tangible Book Value Average	- -	2.6	2.35	1.88	1.04	0.96	0.96	0.97	0.93	1.06	- -
Price/Tangible Book Value High	- -	2.86	2.6	1.98	1.2	1.29	1.12	1.21	1.17	1.2	- -
Price/Tangible Book Value Low	- -	2.51	2.17	1.8	0.9	0.73	0.9	0.89	0.75	0.83	- -
Price/Sales	- -	2.03	1.75	1.68	1.59	1.75	1.53	1.38	1.36	1.79	- -
Price/Sales Average	- -	2.05	1.79	1.62	1.44	1.33	1.38	1.35	1.22	1.61	- -
Price/Sales High	- -	2.26	1.98	1.71	1.67	1.78	1.62	1.67	1.54	1.82	- -
Price/Sales Low	- -	1.98	1.65	1.55	1.25	1.01	1.31	1.23	0.98	1.26	- -
Price/Cash Flow	- -	7.44	5.17	5.66	3.79	6.35	5.48	5.61	4.7	6.64	- -
Price/Cash Flow Average	- -	7.51	5.26	5.47	3.43	4.82	4.95	5.48	4.21	5.97	- -
Price/Cash Flow High	- -	8.26	5.84	5.75	3.98	6.44	5.8	6.78	5.31	6.73	- -
Price/Cash Flow Low	- -	7.23	4.87	5.22	2.99	3.66	4.69	4.99	3.39	4.69	- -
Price/Free Cash Flow Average	- -	7.51	5.26	5.47	3.03	5.01	5.2	5.59	3.99	5.32	- -
Price/Free Cash Flow High	- -	8.26	5.84	5.75	3.51	6.69	6.09	6.91	5.02	6	- -
Price/Free Cash Flow Low	- -	7.23	4.87	5.22	2.64	3.8	4.93	5.08	3.21	4.18	- -
EV/Sales Average	- -	2.41	2.04	2.23	1.3	- -	- -	- -	0.09	1.13	- -
EV/Sales High	- -	2.62	2.24	2.31	1.53	- -	- -	- -	0.41	1.34	- -
EV/Sales Low	- -	2.33	1.91	2.16	1.11	- -	- -	- -	- -	0.79	- -
EV/EBITDA Average	-7.94	8.35	8.19	7.3	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-7.94	9.07	8.97	7.58	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-7.94	8.09	7.65	7.07	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-12.71	18.64	17.05	10.98	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-12.71	20.24	18.68	11.4	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-12.71	18.06	15.94	10.62	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	9	8.53	8.94	17.5	21.7	20.5	20.25	27	38.48	54
High Price	- -	10	9.63	9.09	18.38	22	21.7	24.5	30.5	39	54
Enterprise Value Average	-10	19	18	21	34	-83	-227	-110	5	60	-99
Enterprise Value High	-10	20	19	22	40	-70	-219	-99	20	71	-99
Enterprise Value Low	-10	18	16	20	29	-93	-229	-114	-7	42	-99

Shares Outstanding	2	1	2	2	- -	- -	- -	- -	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	3	3	3	3	2	- -
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	- -
Revenue per Share	3.02	4.43	4.86	5.33	11.01	12.38	13.4	14.67	19.83	21.49	- -
EBITDA per Share	0.71	1.28	1.21	1.62	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.44	0.57	0.58	1.08	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.39	0.53	0.54	0.83	1.81	2.37	2.91	3.6	5.9	6.71	- -
Basic EPS from Cont Ops	0.39	0.53	0.54	0.83	1.81	2.33	2.87	3.56	5.87	6.7	- -
Diluted EPS, GAAP	0.39	0.53	0.54	0.83	1.81	2.17	2.69	3.33	5.68	6.62	- -
Diluted EPS from Cont Ops	0.39	0.53	0.54	0.83	1.81	2.13	2.65	3.29	5.65	6.61	- -
Dividend per Share	0.21	0.21	0.19	0.19	0.45	0.48	0.5	0.5	0.58	0.63	- -
Cash Flow per Share	0.81	1.21	1.65	1.58	4.62	3.42	3.74	3.61	5.75	5.79	- -
Free Cash Flow per Basic Share	0.81	1.21	1.65	1.58	4.01	3.24	3.63	3.39	5.19	4.99	- -
Cash & Equivalents per Share	7.92	2.67	4.37	2.87	6.03	57.15	119.27	72.07	27.53	13.84	- -
Book Value per Share	3.37	3.68	4.04	4.67	14.73	16.56	18.68	21.74	26.95	32.58	- -
Tangible Book Value per Share	3.19	3.49	3.7	4.59	15.26	17.1	19.4	20.33	26.16	32.59	- -

BEO Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)