BankFirst Capital Corporation Financial Ratios — BFCC Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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 (%)	- -	12.07	17.13	17.86	17.61	20.46	21.65	22.8	16.16	15.72
Return on Assets (%)	- -	0.65	1.01	1.05	0.9	1.03	1.07	1.09	0.92	0.94
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.23	3.39	2.96	3.08	3.18	3.41	3.38	3.95	4	3.94
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26.54	27.6	29.56	28.66	23.4	31.22	33.96	31.44	28.98	29.05
Profit Margin (%)	17.49	16.15	23.28	22.06	19.52	24.69	27.12	24.59	22.89	22.58
Net Income to Common Margin (%)	17.49	16.15	23.28	22.06	19.52	24.69	27.12	24.59	20.4	19.71
Effective Tax Rate (%)	34.1	41.48	21.25	23.02	16.55	20.93	20.13	21.79	21	22.26
Dvd Payout Ratio (%)	20.47	23.28	18.83	18.98	19.54	19.64	19.82	17.24	23.86	22.45
Sustainable Growth Rate (%)	- -	9.26	13.9	14.47	14.17	16.44	17.36	18.87	12.31	12.19

Credit (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	29	41	49	44	55	68	39	37	27	45
ST Debt	3	- -	- -	- -	- -	10	3	2	1	- -
LT Debt	26	41	49	44	55	58	36	35	26	45
Total Debt/EBITDA	24.07	32.21	39.03	26.91	24.94	26.77	13.74	8.18	6.14	8.98
Net Debt/EBITDA	2.41	7.6	14.77	-10.76	-30.02	3.37	-25.66	-16.79	-36.26	-43.52
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.21	5.55	6.28	5.55	4.76	5.32	4.69	4.85	5.34	5.12
Long-Term Debt/Equity (%)	43.83	50.34	53.82	38.53	37.21	36.74	10.61	9.28	6.75	10.71
Long-Term Debt/Capital (%)	34.1	43.79	44.25	38.42	39.98	35.04	10.86	9.66	7.2	10.94
Long-Term Debt/Total Assets (%)	2.85	4.33	4.99	3.46	3.17	3.17	1.46	1.27	0.94	1.36
Total Debt/Equity (%)	48.61	50.34	53.82	38.53	37.21	43.12	11.64	9.95	7.02	10.71
Total Debt/Capital (%)	37.81	43.79	44.25	38.42	39.98	41.12	11.92	10.35	7.49	10.94
Total Debt/Total Assets (%)	3.17	4.33	4.99	3.46	3.17	3.72	1.6	1.36	0.98	1.36
Net Debt to Equity	4.86	11.88	20.37	-15.41	-44.78	5.43	-21.73	-20.42	-41.47	-51.91
Net Debt/Capital (%)	5.73	15.53	23.1	-33.25	-404.57	8.08	-33.79	-31.07	-91.74	-146.95
EBITDA	1	1	1	2	2	3	3	5	4	5
EBITDA-CapEx	- -	-1	-2	-1	2	3	3	5	4	5
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	5.21	5.55	6.28	5.55	4.76	5.32	4.69	4.85	5.34	5.12
Long-Term Debt/Equity (%)	43.83	50.34	53.82	38.53	37.21	36.74	10.61	9.28	6.75	10.71
Long-Term Debt/Capital (%)	34.1	43.79	44.25	38.42	39.98	35.04	10.86	9.66	7.2	10.94
Long-Term Debt/Total Assets (%)	2.85	4.33	4.99	3.46	3.17	3.17	1.46	1.27	0.94	1.36
Total Debt/Equity (%)	48.61	50.34	53.82	38.53	37.21	43.12	11.64	9.95	7.02	10.71
Total Debt/Capital (%)	37.81	43.79	44.25	38.42	39.98	41.12	11.92	10.35	7.49	10.94
Total Debt/Total Assets (%)	3.17	4.33	4.99	3.46	3.17	3.72	1.6	1.36	0.98	1.36
CFO/Total Liabilities	1.21	1.23	1.76	1.3	1.01	1.7	1.64	1.75	1.3	1.48
CFO/CapEx	6.29	5.04	4.4	4.99	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.11	0.12	0.13	0.17	0.14	0.17	0.16	0.16	0.17	0.17

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	- -	11.31	11.61	12.43	9.97	8.77	9.4	10.74	9.61	10.33
Days Sales Outstanding	- -	32.26	31.43	29.36	36.63	41.63	38.82	33.98	37.99	35.33
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

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	- -	- -	- -	104	96	158	218	179	220	258
- Cash & Cash Equivalents	26	32	30	62	121	59	113	113	189	262
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	175	189	189	197
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	29	41	49	44	55	68	39	37	27	45
Enterprise Value	-115	-109	-105	-132	-299	-257	42	56	20	91
Total Capital	78	95	110	115	137	164	330	358	366	410
Total Debt/Capital (%)	37.81	43.79	44.25	38.42	39.98	41.12	11.92	10.35	7.49	10.94
Total Debt / EV	-0.26	-0.38	-0.46	-0.34	-0.18	-0.26	0.94	0.66	1.4	0.49
EV/Sales	- -	- -	- -	- -	- -	- -	0.49	0.49	0.18	0.72
EV/EBITDA	- -	- -	- -	- -	- -	- -	14.65	12.44	4.4	18.28
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	1.2	1.37	0.63	2.14
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	1.2	1.37	0.63	2.14
Diluted Market Cap	- -	- -	- -	104	96	158	218	179	220	258
Diluted Enterprise Value	3	10	18	86	31	167	320	292	247	237
EV per Share	- -	- -	- -	- -	- -	- -	7.85	10.45	3.61	16.84
TTM Sales	38	38	42	54	69	74	85	115	112	127
TTM EBITDA	1	1	1	2	2	3	3	5	4	5
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	11	11	16	15	16	28	35	41	31	43
TTM Free Cash Flow to Firm	12	13	19	18	16	28	35	41	31	43

Multiples (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	- -	- -	- -	5.69	6.06	5.62	6.27	4.34	7.04	6.05
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-115	-109	-105	-132	-299	-257	42	56	20	91
Low Price	- -	- -	- -	23.5	15	19.7	27.1	26.65	26.6	36.05
EV/Sales	- -	- -	- -	- -	- -	- -	0.49	0.49	0.18	0.72
EV/EBITDA	- -	- -	- -	- -	- -	- -	14.65	12.44	4.4	18.28
Price/Earnings	- -	- -	- -	8.78	7.15	8.65	9.52	6.35	9.66	10.3
Price/Earnings Average	- -	- -	- -	9.13	7.35	7.44	7.7	6.82	8.15	9.23
Price/Earnings High	- -	- -	- -	9.57	8.87	9.29	9.57	8.36	10.02	10.3
Price/Earnings Low	- -	- -	- -	8.65	5.43	5.68	6.29	5.09	6.35	7.81
Price/Book Value	- -	- -	- -	1.46	1.17	1.64	1.9	1.36	1.47	1.53
Price/Book Value Average	- -	- -	- -	1.52	1.21	1.41	1.53	1.45	1.24	1.37
Price/Book Value High	- -	- -	- -	1.59	1.46	1.76	1.91	1.78	1.53	1.53
Price/Book Value Low	- -	- -	- -	1.44	0.89	1.07	1.25	1.09	0.97	1.16
Price/Tangible Book Value	- -	- -	- -	1.14	0.89	1.34	2.51	1.7	1.76	2.11
Price/Tangible Book Value Average	- -	- -	- -	1.18	0.92	1.15	2.03	1.82	1.49	1.89
Price/Tangible Book Value High	- -	- -	- -	1.24	1.11	1.44	2.53	2.23	1.83	2.11
Price/Tangible Book Value Low	- -	- -	- -	1.12	0.68	0.88	1.66	1.36	1.16	1.6
Price/Sales	- -	- -	- -	1.94	1.4	2.14	2.58	1.56	1.97	2.03
Price/Sales Average	- -	- -	- -	2.01	1.44	1.84	2.09	1.68	1.66	1.82
Price/Sales High	- -	- -	- -	2.11	1.73	2.29	2.6	2.06	2.04	2.03
Price/Sales Low	- -	- -	- -	1.91	1.06	1.4	1.71	1.25	1.29	1.54
Price/Cash Flow	- -	- -	- -	6.83	6.06	5.62	6.27	4.34	7.04	6.05
Price/Cash Flow Average	- -	- -	- -	7.1	6.23	4.83	5.07	4.66	5.94	5.42
Price/Cash Flow High	- -	- -	- -	7.44	7.52	6.03	6.31	5.72	7.3	6.05
Price/Cash Flow Low	- -	- -	- -	6.73	4.6	3.69	4.15	3.48	4.63	4.59
Price/Free Cash Flow Average	- -	- -	- -	5.91	6.23	4.83	5.07	4.66	5.94	5.42
Price/Free Cash Flow High	- -	- -	- -	6.2	7.52	6.03	6.31	5.72	7.3	6.05
Price/Free Cash Flow Low	- -	- -	- -	5.61	4.6	3.69	4.15	3.48	4.63	4.59
EV/Sales Average	0.08	0.26	0.44	1.68	0.48	1.95	3.29	2.66	1.9	1.65
EV/Sales High	0.08	0.26	0.44	1.78	0.78	2.41	3.8	3.04	2.28	1.87
EV/Sales Low	0.08	0.26	0.44	1.58	0.11	1.52	2.91	2.23	1.54	1.38
EV/EBITDA Average	2.41	7.6	14.77	54.72	15.18	57.28	97.45	67.31	47.6	42.03
EV/EBITDA High	2.41	7.6	14.77	57.91	24.51	70.69	112.53	76.93	57.12	47.38
EV/EBITDA Low	2.41	7.6	14.77	51.3	3.37	44.56	86.14	56.58	38.38	34.96
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	23.85	19.75	30	41	33.25	40.5	47.5
High Price	- -	- -	- -	26	24.5	32.2	41.25	43.75	42	47.5
Enterprise Value Average	3	10	18	90	33	145	278	305	212	210
Enterprise Value High	3	10	18	95	54	178	321	348	255	237
Enterprise Value Low	3	10	18	84	7	113	246	256	171	175

Shares Outstanding	4	4	4	4	5	5	5	5	5	5
Diluted Weighted Avg Shares	4	4	4	4	5	5	5	5	5	5
Basic Weighted Avg Shares	4	4	4	4	5	5	5	5	5	5
Revenue per Share	8.42	8.46	9.39	12.31	14.15	14.04	15.88	21.28	20.55	23.4
EBITDA per Share	0.27	0.29	0.28	0.38	0.45	0.48	0.54	0.84	0.82	0.92
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.47	1.37	2.19	2.72	2.76	3.47	4.31	5.23	4.19	4.61
Basic EPS from Cont Ops	1.47	1.37	2.19	2.72	2.76	3.47	4.31	5.23	4.7	5.29
Diluted EPS, GAAP	1.47	1.37	2.19	2.72	2.76	3.47	4.31	5.23	4.19	4.61
Diluted EPS from Cont Ops	1.47	1.37	2.19	2.72	2.76	3.47	4.31	5.23	4.7	5.29
Dividend per Share	0.3	0.32	0.41	0.52	0.54	0.68	0.85	0.9	1.51	1.71
Cash Flow per Share	2.35	2.41	3.48	3.49	3.26	5.34	6.54	7.65	5.75	7.85
Free Cash Flow per Basic Share	1.97	1.93	2.69	2.79	3.26	5.34	6.54	7.65	5.75	7.85
Cash & Equivalents per Share	32.12	33.47	34.23	64.3	92.19	91.42	73.36	64.68	76.68	75.19
Book Value per Share	10.77	11.87	13.66	16.33	16.82	18.34	21.63	24.53	27.54	31.13
Tangible Book Value per Share	12.48	17.42	19.25	20.95	22.11	22.42	16.32	19.58	23	22.56

BankFirst Capital Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)