Blueharbor Bank Financial Ratios — BLHK Stock

Profitability (USD)

	2008 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2008	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 (%)	- -	11.16	13.5	14.58	13.82	17.15	20.4	17.56	14.41	20.06
Return on Assets (%)	- -	1.07	1.15	1.33	1.17	1.31	1.69	1.71	1.45	1.97
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	26.73	1.34	1.93	4.78	4.72	3.9	3.25	3.13	3.09	2.6
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	36.63	37.3	40.11	39.03	46.84	52.48	50.77	44.16	57.66
Profit Margin (%)	-244.04	18.12	29.22	32.16	30.65	36.56	40.8	39.49	34.73	45.15
Net Income to Common Margin (%)	-244.04	18.12	29.22	32.16	30.65	36.56	40.8	39.49	34.73	45.15
Effective Tax Rate (%)	- -	50.53	21.68	19.82	21.46	21.94	22.26	22.22	21.35	21.7
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	6.04	- -	- -	17.4	13.4
Sustainable Growth Rate (%)	- -	11.16	13.5	14.58	13.82	16.12	20.4	17.56	11.9	17.37

Credit (USD)

API ChatGPT

	2008 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2008	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	- -	3	5	3	- -	- -	- -	- -	4	- -
ST Debt	- -	3	5	3	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	4	- -
Total Debt/EBITDA	- -	30.4	33.41	5.69	- -	- -	- -	- -	6.63	- -
Net Debt/EBITDA	-2.44	-34.73	1.87	-5.45	-63.64	-124.53	-21.73	-26.84	-40.92	-65.26
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	17.48	7.9	9.09	9.12	7.99	7.39	9.18	10.28	9.87	9.8
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	7.25	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	7.41	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	0.79	- -
Total Debt/Equity (%)	- -	11.94	18.47	8.08	- -	- -	- -	- -	7.25	- -
Total Debt/Capital (%)	- -	15.62	21.4	10.34	- -	- -	- -	- -	7.41	- -
Total Debt/Total Assets (%)	- -	1.46	2.48	1.05	- -	- -	- -	- -	0.79	- -
Net Debt to Equity	-2.75	-13.64	1.03	-7.74	-90.69	-160.25	-28.11	-30.81	-44.7	-63.16
Net Debt/Capital (%)	-6.96	-26.82	1.5	-12.42	479.93	190.08	-47.08	-52.5	-97.4	-225.97
EBITDA	- -	- -	- -	- -	1	1	1	1	1	1
EBITDA-CapEx	-3	-1	-5	-1	-1	- -	-2	- -	- -	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2008 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2008	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	17.48	7.9	9.09	9.12	7.99	7.39	9.18	10.28	9.87	9.8
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	7.25	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	7.41	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	0.79	- -
Total Debt/Equity (%)	- -	11.94	18.47	8.08	- -	- -	- -	- -	7.25	- -
Total Debt/Capital (%)	- -	15.62	21.4	10.34	- -	- -	- -	- -	7.41	- -
Total Debt/Total Assets (%)	- -	1.46	2.48	1.05	- -	- -	- -	- -	0.79	- -
CFO/Total Liabilities	-4.43	1.38	1.5	1.38	1.27	1.82	2.4	1.43	2.65	2.42
CFO/CapEx	-0.39	3.46	0.54	2.37	3	10.47	3.65	35.4	36.07	118.12
Altman's Z-Score	-0.04	0.15	0.16	0.19	0.14	0.15	0.2	0.23	0.22	0.24

Working Capital (USD)

API ChatGPT

	2008 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2008	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	- -	30.05	15.39	15.66	15.03	17.09	18.81	15.3	13.85	15.26
Days Sales Outstanding	- -	12.15	23.72	23.31	24.28	21.35	19.4	23.86	26.35	23.92
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

	2008 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2008	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	- -	30	28	37	30	40	49	58	65	92
- Cash & Cash Equivalents	- -	6	5	5	33	64	12	15	29	41
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	3	5	3	- -	- -	- -	- -	4	- -
Enterprise Value	- -	7	10	16	-39	-67	-4	6	13	50
Total Capital	8	19	25	25	26	30	37	44	54	59
Total Debt/Capital (%)	- -	15.62	21.4	10.34	- -	- -	- -	- -	7.41	- -
Total Debt / EV	- -	0.45	0.51	0.16	- -	- -	- -	- -	0.31	- -
EV/Sales	- -	0.91	1.26	1.72	- -	- -	- -	0.35	0.65	2.05
EV/EBITDA	- -	67.71	65.54	35.89	- -	- -	- -	11.29	21.2	78.79
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	2.7	3.73	5.54	- -	- -	- -	1.18	1.07	3.8
EV/Free Cash Flow to Firm	- -	2.09	1.31	3.89	- -	- -	- -	1.15	1.04	3.77
Diluted Market Cap	- -	33	29	39	31	41	51	61	66	94
Diluted Enterprise Value	- -	30	30	36	-2	-23	39	45	42	53
EV per Share	- -	2.45	3.73	5.61	- -	- -	- -	2.2	4.34	16.94
TTM Sales	1	7	8	9	11	13	17	18	20	24
TTM EBITDA	- -	- -	- -	- -	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	2	3	3	4	7	9	5	12	13
TTM Free Cash Flow to Firm	- -	3	8	4	5	7	11	6	12	13

Multiples (USD)

API ChatGPT

	2008 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2008	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	- -	10.39	3.7	9.24	6.33	5.56	4.57	10.85	5.4	7.12
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	7	10	16	-39	-67	-4	6	13	50
Low Price	6.08	7.83	9.3	10.1	7.26	10.25	13.52	15.6	18.25	20.76
EV/Sales	- -	0.91	1.26	1.72	- -	- -	- -	0.35	0.65	2.05
EV/EBITDA	- -	67.71	65.54	35.89	- -	- -	- -	11.29	21.2	78.79
Price/Earnings	- -	22.52	11.7	12.14	9.03	8.23	7.07	8.13	9.53	8.35
Price/Earnings Average	- -	17.73	13.99	11.86	8.43	7.83	6.31	7.57	8.83	7.3
Price/Earnings High	- -	24.55	16.79	12.37	11.36	8.5	7.6	9.16	9.54	9.1
Price/Earnings Low	- -	16.03	10.77	9.61	6.39	6.22	5.71	6.35	7.91	5.56
Price/Book Value	- -	1.85	1.44	1.65	1.16	1.31	1.31	1.32	1.29	1.54
Price/Book Value Average	- -	1.46	1.73	1.61	1.09	1.25	1.17	1.23	1.2	1.35
Price/Book Value High	- -	2.02	2.07	1.68	1.46	1.35	1.41	1.48	1.29	1.68
Price/Book Value Low	- -	1.32	1.33	1.31	0.82	0.99	1.06	1.03	1.07	1.03
Price/Tangible Book Value	- -	1.19	0.98	1.16	0.83	0.99	1.15	1.18	1.17	1.4
Price/Tangible Book Value Average	- -	0.94	1.17	1.13	0.78	0.95	1.03	1.1	1.09	1.23
Price/Tangible Book Value High	- -	1.3	1.41	1.18	1.05	1.03	1.23	1.33	1.17	1.53
Price/Tangible Book Value Low	- -	0.85	0.9	0.92	0.59	0.75	0.93	0.92	0.97	0.93
Price/Sales	- -	4.08	3.42	3.9	2.77	3.01	2.88	3.21	3.31	3.77
Price/Sales Average	- -	3.21	4.09	3.81	2.58	2.86	2.57	2.99	3.07	3.3
Price/Sales High	- -	4.45	4.91	3.98	3.48	3.11	3.1	3.62	3.31	4.11
Price/Sales Low	- -	2.9	3.15	3.09	1.96	2.28	2.33	2.51	2.75	2.51
Price/Cash Flow	- -	12.11	10.09	12.59	8.24	5.9	5.59	10.72	5.41	7.01
Price/Cash Flow Average	- -	9.53	12.06	12.29	7.69	5.62	4.99	9.97	5.01	6.13
Price/Cash Flow High	- -	13.2	14.48	12.82	10.37	6.1	6.01	12.06	5.41	7.64
Price/Cash Flow Low	- -	8.62	9.29	9.96	5.83	4.46	4.51	8.36	4.49	4.66
Price/Free Cash Flow Average	- -	8.18	4.43	9.03	5.91	5.29	4.08	10.1	5	6.23
Price/Free Cash Flow High	- -	11.33	5.32	9.41	7.97	5.74	4.91	12.22	5.4	7.76
Price/Free Cash Flow Low	- -	7.4	3.41	7.31	4.49	4.2	3.69	8.47	4.48	4.74
EV/Sales Average	- -	2.75	4.12	3.55	- -	- -	1.87	2.15	1.8	1.6
EV/Sales High	- -	3.98	4.94	3.72	0.48	- -	2.39	2.78	2.05	2.41
EV/Sales Low	- -	2.44	3.18	2.83	- -	- -	1.62	1.67	1.49	0.81
EV/EBITDA Average	-2.44	204.64	213.87	74.26	-8.95	-51.03	57.54	68.67	58.49	61.62
EV/EBITDA High	-2.44	296.73	256.39	77.69	10.09	-44.74	73.71	88.74	66.47	92.9
EV/EBITDA Low	-2.44	181.73	165.11	59.14	-22.14	-66.11	49.95	53.29	48.16	31.31
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.6	11	10.1	12.76	10.25	13.55	16.75	19.99	21.99	31.2
High Price	7.64	11.99	14.5	13	12.9	14	18	22.5	22	34
Enterprise Value Average	- -	20	34	34	-5	-26	32	39	35	39
Enterprise Value High	- -	29	41	35	5	-23	41	50	40	59
Enterprise Value Low	- -	18	26	27	-11	-34	27	30	29	20

Shares Outstanding	2	- -	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	- -	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	- -	3	3	3	3	3	3	3	3	3
Revenue per Share	- -	2.7	2.96	3.27	3.7	4.5	5.81	6.22	6.64	8.28
EBITDA per Share	- -	0.04	0.06	0.16	0.17	0.18	0.19	0.19	0.2	0.21
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	0.49	0.86	1.05	1.14	1.65	2.37	2.46	2.31	3.74
Basic EPS from Cont Ops	- -	0.49	0.86	1.05	1.14	1.65	2.37	2.46	2.31	3.74
Diluted EPS, GAAP	- -	0.44	0.83	1.01	1.11	1.6	2.28	2.36	2.25	3.65
Diluted EPS from Cont Ops	- -	0.44	0.83	1.01	1.11	1.6	2.28	2.36	2.25	3.65
Dividend per Share	- -	- -	- -	- -	- -	0.1	- -	- -	0.4	0.5
Cash Flow per Share	- -	0.91	1	1.01	1.24	2.3	3	1.87	4.06	4.45
Free Cash Flow per Basic Share	- -	0.65	-0.85	0.59	0.83	2.08	2.18	1.81	3.95	4.41
Cash & Equivalents per Share	- -	9.65	8.27	8.04	23.54	36.45	18.22	17.79	19.01	14.26
Book Value per Share	- -	5.94	6.99	7.72	8.81	10.36	12.8	15.18	16.99	20.24
Tangible Book Value per Share	- -	9.21	10.3	11.02	12.28	13.64	14.58	16.96	18.76	22.21

Blueharbor Bank

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)