Bank of Botetourt Financial Ratios — BORT Stock

Profitability (USD)

	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	-0.47	-12.46	8.47	9.26	9.52	7.54	7.28	12.66	13.15	11.14	15.73	16.47	14.4	12.6	15.53
Return on Assets (%)	-0.04	-0.95	0.65	0.77	0.84	0.67	0.62	1.05	1.07	0.85	1.09	1.13	1.09	0.96	1.21
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	7.58	8.21	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.78	4.6	27.29	31.18	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-2.58	- -	22.71	26.51	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-396.83	-10,939.77	125.77	-405.2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-2.58	-35.37	22.71	26.51	27.74	21.12	20.71	27.97	30.25	26.32	34.05	34.23	33.98	31.81	35.77
Profit Margin (%)	-0.91	-22.68	15.38	17.9	18.68	14.15	13.52	22.91	24.24	21.11	27.34	27.28	27.07	25.34	28.34
Net Income to Common Margin (%)	-0.91	-22.68	15.38	17.9	18.68	14.15	13.52	22.91	24.24	21.11	27.34	27.28	25.49	23.82	27.09
Effective Tax Rate (%)	- -	- -	32.26	32.46	32.64	33.01	34.73	18.08	19.86	19.8	19.7	20.31	20.33	20.35	20.77
Dvd Payout Ratio (%)	-339.99	-1.71	2.85	11.81	21.3	30.39	35.1	20.01	22.06	26.06	18.28	18.3	19.46	20.96	17.13
Sustainable Growth Rate (%)	-2.05	-12.67	8.22	8.17	7.49	5.25	4.73	10.13	10.25	8.24	12.86	13.46	11.6	9.96	12.87

Credit (USD)

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	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	- -	- -	- -	- -	6	- -	5	4	3	- -	19	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	6	- -	5	4	3	- -	19	- -	- -
Total Debt/EBITDA	- -	0.51	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-52.57	-44.79	-8.21	-6.44	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	56.54	- -	-9.87	-7.58	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.06	7.17	8.08	8.58	9	8.82	8.26	8.25	8.1	7.25	6.67	7.09	7.14	7.26	7.67
Long-Term Debt/Equity (%)	- -	1.27	- -	- -	- -	- -	17.13	- -	9.95	7.43	5.07	- -	25.41	- -	- -
Long-Term Debt/Capital (%)	- -	1.35	- -	- -	- -	- -	15.78	- -	11.15	8.46	6.36	- -	25.15	- -	- -
Long-Term Debt/Total Assets (%)	- -	0.1	- -	- -	- -	- -	1.55	- -	1.02	0.67	0.45	- -	2.41	- -	- -
Total Debt/Equity (%)	- -	1.27	- -	- -	- -	- -	17.13	- -	9.95	7.43	5.07	- -	25.41	- -	- -
Total Debt/Capital (%)	- -	1.35	- -	- -	- -	- -	15.78	- -	11.15	8.46	6.36	- -	25.15	- -	- -
Total Debt/Total Assets (%)	- -	0.1	- -	- -	- -	- -	1.55	- -	1.02	0.67	0.45	- -	2.41	- -	- -
Net Debt to Equity	-73.16	-112.44	-102.03	-89.39	-50.05	-48.58	-20.85	-28.47	-53.13	-183.53	-241.69	-151.61	-92.55	-79.77	-58.97
Net Debt/Capital (%)	-314.39	578.93	708.35	-53,964.2	-125.54	-115.79	-23.76	-57.98	-147.32	191.81	149.29	202.04	-1,092.09	1,960.31	-347.17
EBITDA	- -	1	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	3	2	-3	-2	- -	-1	-2	-1	-2	-1	-1	-4	-2
Operating Income (Loss)	- -	- -	3	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.06	7.17	8.08	8.58	9	8.82	8.26	8.25	8.1	7.25	6.67	7.09	7.14	7.26	7.67
Long-Term Debt/Equity (%)	- -	1.27	- -	- -	- -	- -	17.13	- -	9.95	7.43	5.07	- -	25.41	- -	- -
Long-Term Debt/Capital (%)	- -	1.35	- -	- -	- -	- -	15.78	- -	11.15	8.46	6.36	- -	25.15	- -	- -
Long-Term Debt/Total Assets (%)	- -	0.1	- -	- -	- -	- -	1.55	- -	1.02	0.67	0.45	- -	2.41	- -	- -
Total Debt/Equity (%)	- -	1.27	- -	- -	- -	- -	17.13	- -	9.95	7.43	5.07	- -	25.41	- -	- -
Total Debt/Capital (%)	- -	1.35	- -	- -	- -	- -	15.78	- -	11.15	8.46	6.36	- -	25.15	- -	- -
Total Debt/Total Assets (%)	- -	0.1	- -	- -	- -	- -	1.55	- -	1.02	0.67	0.45	- -	2.41	- -	- -
CFO/Total Liabilities	1.61	1.85	1.51	1.25	1.25	1.14	1.08	1.49	1.32	1.16	1.33	1.53	1.49	1.45	1.18
CFO/CapEx	27.19	26.51	5.26	2.12	1.26	1.94	16.27	5.1	2.65	7.7	4.47	16.14	7.13	2.95	6.3
Altman's Z-Score	0.17	0.16	0.21	0.24	0.21	0.21	0.21	0.21	0.2	0.17	0.17	0.18	0.18	0.18	0.21

Working Capital (USD)

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	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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)

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	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	11	10	17	22	24	28	35	42	42	35	47	55	55	63	87
- Cash & Cash Equivalents	19	27	29	27	16	16	7	13	27	99	143	101	69	66	55
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	6	- -	5	4	3	- -	19	- -	- -
Enterprise Value	-8	-17	-12	-5	8	11	34	28	20	-60	-93	-45	5	-3	32
Total Capital	25	22	25	27	29	31	38	36	45	47	47	51	76	62	71
Total Debt/Capital (%)	- -	1.35	- -	- -	- -	- -	15.78	- -	11.15	8.46	6.36	- -	25.15	- -	- -
Total Debt / EV	- -	-0.02	- -	- -	- -	- -	0.18	- -	0.25	-0.07	-0.03	- -	3.57	- -	- -
EV/Sales	- -	- -	- -	- -	0.58	0.71	2.02	1.51	0.99	- -	- -	- -	0.18	- -	0.83
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	2.3	3.14	8.91	4.91	3.47	- -	- -	- -	0.5	- -	3.23
EV/Free Cash Flow to Firm	- -	- -	- -	- -	1.28	2.07	8.39	4.1	2.52	- -	- -	- -	0.44	- -	2.79
Diluted Market Cap	11	10	17	22	24	28	35	42	42	35	47	55	55	63	87
Diluted Enterprise Value	-8	-17	-12	-5	8	11	34	28	20	-60	-93	-45	5	-3	32
EV per Share	- -	- -	- -	- -	5.33	7.21	21.59	18.01	12.87	- -	- -	- -	2.73	- -	16.07
TTM Sales	13	13	13	13	14	16	17	19	21	22	25	29	30	31	38
TTM EBITDA	- -	1	4	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	3	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	5	4	4	4	4	4	6	6	6	8	10	11	11	10
TTM Free Cash Flow to Firm	5	5	5	5	6	5	4	7	8	7	10	11	12	15	11

Multiples (USD)

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	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	2.37	1.76	3.32	4.2	3.77	5.1	8.71	6	5.22	4.94	4.8	5.24	4.57	4.18	7.63
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-8	-17	-12	-5	8	11	34	28	20	-60	-93	-45	5	-3	32
Low Price	7.5	6.95	6.64	10.55	13.75	15.68	17.64	22.41	24.55	17.73	22.23	27.15	28.35	28.4	31.25
EV/Sales	- -	- -	- -	- -	0.58	0.71	2.02	1.51	0.99	- -	- -	- -	0.18	- -	0.83
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	8.37	9.14	9.19	12.3	15.51	9.67	8.44	7.57	6.88	7.06	7.18	8.4	8.38
Price/Earnings Average	-131.92	-3.81	7.57	8.15	8.62	11.57	13.9	9.32	8.18	7.54	6.24	6.94	7.46	7.87	6.95
Price/Earnings High	-201.94	-4.33	8.99	9.75	9.59	12.3	20.13	10.84	8.49	9.75	7.36	7.46	8.58	8.79	8.57
Price/Earnings Low	-87.7	-3.28	5.2	6.86	8.06	10.88	12.21	8.22	7.77	6.04	5.09	6.75	7.17	7.44	5.95
Price/Book Value	0.45	0.44	0.67	0.81	0.84	0.9	1.1	1.16	1.05	0.81	1.07	1.09	0.98	1.01	1.22
Price/Book Value Average	0.62	0.51	0.61	0.73	0.79	0.85	0.99	1.12	1.02	0.81	0.97	1.07	1.02	0.94	1.01
Price/Book Value High	0.95	0.58	0.72	0.87	0.88	0.9	1.43	1.3	1.06	1.04	1.15	1.15	1.17	1.05	1.25
Price/Book Value Low	0.41	0.44	0.42	0.61	0.74	0.8	0.87	0.98	0.97	0.65	0.79	1.04	0.98	0.89	0.87
Price/Tangible Book Value	0.43	0.41	0.59	0.73	0.76	0.82	1.01	0.9	0.84	0.65	0.8	0.83	0.74	0.76	0.93
Price/Tangible Book Value Average	0.6	0.47	0.53	0.65	0.71	0.77	0.9	0.87	0.81	0.65	0.73	0.82	0.77	0.71	0.77
Price/Tangible Book Value High	0.92	0.54	0.63	0.78	0.79	0.82	1.31	1.01	0.84	0.84	0.86	0.88	0.89	0.8	0.95
Price/Tangible Book Value Low	0.4	0.41	0.36	0.55	0.66	0.72	0.79	0.76	0.77	0.52	0.59	0.8	0.74	0.68	0.66
Price/Sales	0.87	0.74	1.29	1.64	1.72	1.74	2.1	2.21	2.04	1.6	1.88	1.93	1.83	2	2.27
Price/Sales Average	1.19	0.86	1.16	1.46	1.61	1.64	1.88	2.14	1.98	1.59	1.71	1.89	1.9	1.87	1.88
Price/Sales High	1.83	0.98	1.38	1.75	1.79	1.74	2.72	2.48	2.06	2.06	2.01	2.03	2.19	2.09	2.32
Price/Sales Low	0.79	0.74	0.8	1.23	1.51	1.54	1.65	1.88	1.88	1.27	1.39	1.84	1.83	1.77	1.61
Price/Cash Flow	2.46	1.83	3.95	6.18	6.76	7.73	9.25	7.18	7.19	5.58	5.88	5.57	5.21	5.6	8.84
Price/Cash Flow Average	3.39	2.12	3.57	5.51	6.34	7.27	8.29	6.92	6.98	5.56	5.33	5.48	5.41	5.25	7.33
Price/Cash Flow High	5.19	2.41	4.24	6.59	7.06	7.73	12	8.05	7.24	7.18	6.29	5.88	6.22	5.86	9.04
Price/Cash Flow Low	2.25	1.83	2.46	4.64	5.93	6.84	7.28	6.1	6.63	4.45	4.35	5.32	5.2	4.96	6.28
Price/Free Cash Flow Average	3.27	2.04	3	3.75	3.54	4.79	7.81	5.79	5.07	4.92	4.36	5.16	4.74	3.92	6.33
Price/Free Cash Flow High	5	2.32	3.57	4.48	3.93	5.1	11.31	6.73	5.26	6.36	5.14	5.54	5.45	4.38	7.81
Price/Free Cash Flow Low	2.17	1.76	2.06	3.15	3.31	4.51	6.86	5.1	4.81	3.94	3.56	5.01	4.56	3.71	5.42
EV/Sales Average	- -	- -	- -	- -	0.48	0.6	1.8	1.43	0.93	- -	- -	- -	0.25	- -	0.44
EV/Sales High	0.37	- -	- -	- -	0.66	0.71	2.64	1.78	1	- -	- -	- -	0.53	- -	0.88
EV/Sales Low	- -	- -	- -	- -	0.37	0.51	1.57	1.18	0.83	- -	- -	- -	0.17	- -	0.17
EV/EBITDA Average	-9.54	-26.02	-3.95	-1.76	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	13.3	-23.47	-3.15	-0.85	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-23.96	-28.65	-5.28	-2.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	10.26	- -	-4.74	-2.07	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-14.31	- -	-3.78	-0.99	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	25.78	- -	-6.34	-2.94	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.18	6.95	10.68	14.05	15.68	17.73	22.41	26.36	26.64	22.23	30	28.4	28.4	32.04	44
High Price	17.27	9.18	11.47	14.99	16.36	17.73	29.09	29.55	26.82	28.64	32.11	30	33.9	33.55	45
Enterprise Value Average	-3	-15	-14	-7	7	10	30	27	19	-60	-97	-46	7	-7	17
Enterprise Value High	5	-14	-11	-4	9	11	45	33	21	-50	-89	-42	16	- -	34
Enterprise Value Low	-9	-17	-19	-10	5	8	27	22	17	-67	-105	-48	5	-10	7

	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	1	1	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	1	1	2	2	2	2	2	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	1	1	2	2	2	2	2	2	2	2	2	2	2	2	2
Revenue per Share	9.44	9.35	8.29	8.59	9.13	10.19	10.69	11.9	13.03	13.91	15.96	14.74	15.51	16.02	19.39
EBITDA per Share	0.26	0.43	2.26	2.68	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-0.24	- -	1.88	2.28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.09	-2.12	1.28	1.54	1.71	1.44	1.45	2.73	3.16	2.94	4.36	4.02	3.95	3.82	5.25
Basic EPS from Cont Ops	-0.09	-2.12	1.28	1.54	1.71	1.44	1.45	2.73	3.16	2.94	4.36	4.02	4.2	4.06	5.49
Diluted EPS, GAAP	-0.09	-2.12	1.28	1.54	1.71	1.44	1.45	2.73	3.16	2.94	4.36	4.02	3.95	3.82	5.25
Diluted EPS from Cont Ops	-0.09	-2.12	1.28	1.54	1.71	1.44	1.45	2.73	3.16	2.94	4.36	4.02	4.2	4.06	5.49
Dividend per Share	0.29	0.04	0.04	0.18	0.36	0.44	0.51	0.55	0.7	0.77	0.8	0.74	1.01	1.04	1.14
Cash Flow per Share	3.33	3.81	2.7	2.27	2.32	2.29	2.42	3.67	3.7	3.99	5.11	5.1	5.45	5.72	4.98
Free Cash Flow per Basic Share	3.21	3.66	2.19	1.2	0.48	1.11	2.27	2.95	2.31	3.47	3.96	4.78	4.69	3.78	4.19
Cash & Equivalents per Share	13.78	19.5	18.59	17.25	10.35	10.52	4.63	8.35	16.94	62.65	90.66	51.86	35.55	33.64	28.05
Book Value per Share	18.17	15.95	15.96	17.29	18.6	19.61	20.31	22.76	25.27	27.45	28.03	26.07	28.92	31.8	36.01
Tangible Book Value per Share	18.84	17.15	18.22	19.3	20.68	21.66	22.21	29.35	31.89	34.14	37.51	34.08	38.29	42.05	47.44

Bank of Botetourt

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)