CBB Bancorp, Inc. Financial Ratios — CBBI Stock

Profitability (USD)

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	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 (%)	- -	13.6	11.91	11.1	13.48	9.53	6.41	15.95	14.14	12.96	9.14	6.83
Return on Assets (%)	- -	1.57	1.35	1.21	1.49	1.15	0.78	1.73	1.54	1.62	1.25	0.94
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.8	5.32	5.92	6.04	8.09	7.97	- -	1.45	1.43	1.36	4.84	4.3
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	54.99	48.51	42.29	45.06	40.87	34.67	26.86	48.97	46.63	50.06	43.65	36.04
Profit Margin (%)	32.12	28.44	25.15	22.92	29.48	24.62	18.84	35.13	33.43	35.96	31.32	25.89
Net Income to Common Margin (%)	32.12	28.44	25.15	22.92	29.48	24.62	18.84	35.13	33.43	35.96	31.32	25.89
Effective Tax Rate (%)	41.59	41.39	40.52	49.13	27.86	28.99	29.84	28.25	28.31	28.16	28.26	28.18
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	6.95	11.85	11.74	16.05	25.14
Sustainable Growth Rate (%)	- -	13.6	11.91	11.1	13.48	9.53	6.41	14.84	12.47	11.44	7.67	5.12

Credit (USD)

Credit Ratios API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	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	- -	10	10	60	10	31	110	55	56	54	63	13
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	10	10	60	10	31	110	55	56	54	63	13
Total Debt/EBITDA	- -	4.74	3.71	18.9	2.19	7.26	- -	48.61	46.74	49.49	18.14	4.41
Net Debt/EBITDA	-47.51	-41.13	-33.11	-16.62	-21.48	-18.12	- -	-213.66	-118.07	-181.23	-65.5	-146.79
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.61	11.44	11.17	10.68	11.36	12.74	11.63	10.24	11.56	13.39	14.04	13.39
Long-Term Debt/Equity (%)	- -	11.11	9.8	52.09	7.58	21.18	68.82	29.76	26.64	22.89	24.67	4.88
Long-Term Debt/Capital (%)	- -	10	8.93	34.25	7.05	17.48	40.76	22.93	21.03	18.62	19.79	4.65
Long-Term Debt/Total Assets (%)	- -	1.27	1.1	5.56	0.86	2.7	8.01	3.05	3.08	3.06	3.46	0.65
Total Debt/Equity (%)	- -	11.11	9.8	52.09	7.58	21.18	68.82	29.76	26.64	22.89	24.67	4.88
Total Debt/Capital (%)	- -	10	8.93	34.25	7.05	17.48	40.76	22.93	21.03	18.62	19.79	4.65
Total Debt/Total Assets (%)	- -	1.27	1.1	5.56	0.86	2.7	8.01	3.05	3.08	3.06	3.46	0.65
Net Debt to Equity	-82.74	-96.49	-87.41	-45.79	-74.47	-52.89	-36.04	-130.79	-67.28	-83.8	-89.09	-162.33
Net Debt/Capital (%)	-479.54	-2,749.75	-694.02	-84.48	-291.75	-102.87	-53.68	466.69	-189.56	-468.98	-557.95	282.55
EBITDA	1	2	3	3	5	4	- -	1	1	1	3	3
EBITDA-CapEx	1	1	1	- -	4	4	- -	1	- -	- -	3	2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	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	11.61	11.44	11.17	10.68	11.36	12.74	11.63	10.24	11.56	13.39	14.04	13.39
Long-Term Debt/Equity (%)	- -	11.11	9.8	52.09	7.58	21.18	68.82	29.76	26.64	22.89	24.67	4.88
Long-Term Debt/Capital (%)	- -	10	8.93	34.25	7.05	17.48	40.76	22.93	21.03	18.62	19.79	4.65
Long-Term Debt/Total Assets (%)	- -	1.27	1.1	5.56	0.86	2.7	8.01	3.05	3.08	3.06	3.46	0.65
Total Debt/Equity (%)	- -	11.11	9.8	52.09	7.58	21.18	68.82	29.76	26.64	22.89	24.67	4.88
Total Debt/Capital (%)	- -	10	8.93	34.25	7.05	17.48	40.76	22.93	21.03	18.62	19.79	4.65
Total Debt/Total Assets (%)	- -	1.27	1.1	5.56	0.86	2.7	8.01	3.05	3.08	3.06	3.46	0.65
CFO/Total Liabilities	1.09	2.15	1.63	0.58	0.56	3.61	-1.53	-5.6	-2.6	3.44	2.86	3.91
CFO/CapEx	10.06	15.87	9.48	1.88	30.75	45.46	-247.37	-187.79	-51.39	52.88	141.58	58.64
Altman's Z-Score	0.1	0.11	0.1	0.11	0.19	0.19	0.15	0.16	0.19	0.21	0.21	0.2

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	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	- -	20.05	18.69	16.99	14.55	13.09	12.05	14.81	13.01	10.81	9.05	8.98
Days Sales Outstanding	- -	18.2	19.53	21.48	25.09	27.89	30.28	24.64	28.05	33.77	40.33	40.65
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

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	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	- -	- -	- -	- -	130	114	82	117	122	105	114	116
- Cash & Cash Equivalents	63	97	99	113	108	103	163	292	191	248	277	436
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	10	10	60	10	31	110	55	56	54	63	13
Enterprise Value	-63	-90	-163	-168	-65	-46	-51	-195	-80	-143	-154	-308
Total Capital	76	100	112	175	142	179	270	240	265	290	318	282
Total Debt/Capital (%)	- -	10	8.93	34.25	7.05	17.48	40.76	22.93	21.03	18.62	19.79	4.65
Total Debt / EV	- -	-0.11	-0.06	-0.36	-0.15	-0.68	-2.14	-0.28	-0.7	-0.38	-0.41	-0.04
EV/Sales	- -	- -	- -	0.09	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	1.44	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	0.81	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	0.53	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	180	134	115	82	118	121	105	114	117
Diluted Enterprise Value	-63	-87	-89	127	36	43	30	-119	-14	-89	-100	-307
EV per Share	- -	- -	- -	0.46	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	35	40	45	53	56	54	52	78	84	80	72	69
TTM EBITDA	1	2	3	3	5	4	- -	1	1	1	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	15	13	6	6	37	-19	-91	-42	52	45	68
TTM Free Cash Flow to Firm	7	16	15	9	6	37	-18	-90	-41	53	45	69

Multiples (USD)

Valuation Multiples API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	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	- -	- -	- -	20.94	22.56	3.08	-4.46	-1.3	-2.95	1.96	2.55	1.69
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-63	-90	-163	-168	-65	-46	-51	-195	-80	-143	-154	-308
Low Price	- -	- -	- -	14.56	11.9	10.5	5.96	7.81	10.85	9.15	9.22	10
EV/Sales	- -	- -	- -	0.09	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	1.44	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	14.35	7.78	8.47	8.29	4.23	4.29	3.63	5.1	6.51
Price/Earnings Average	- -	- -	- -	13.29	9.17	8.77	8.05	4.16	4.5	3.8	4.74	6.31
Price/Earnings High	- -	- -	- -	14.35	10.83	9.99	11.92	4.74	5.37	4.49	5.43	6.89
Price/Earnings Low	- -	- -	- -	12.1	7.18	7.98	6.18	2.91	4.05	3.36	4.35	5.92
Price/Book Value	- -	- -	- -	- -	0.99	0.77	0.51	0.63	0.58	0.44	0.45	0.43
Price/Book Value Average	- -	- -	- -	- -	1.16	0.8	0.5	0.62	0.61	0.47	0.42	0.42
Price/Book Value High	- -	- -	- -	- -	1.38	0.91	0.74	0.71	0.73	0.55	0.48	0.46
Price/Book Value Low	- -	- -	- -	- -	0.91	0.72	0.38	0.43	0.55	0.41	0.38	0.39
Price/Tangible Book Value	- -	- -	- -	- -	1.07	0.82	0.55	0.68	0.61	0.46	0.47	0.45
Price/Tangible Book Value Average	- -	- -	- -	- -	1.27	0.85	0.53	0.67	0.64	0.49	0.43	0.43
Price/Tangible Book Value High	- -	- -	- -	- -	1.49	0.97	0.79	0.76	0.77	0.57	0.5	0.47
Price/Tangible Book Value Low	- -	- -	- -	- -	0.99	0.77	0.41	0.47	0.58	0.43	0.4	0.41
Price/Sales	- -	- -	- -	3.29	2.29	2.09	1.56	1.49	1.43	1.31	1.6	1.68
Price/Sales Average	- -	- -	- -	3.05	2.7	2.16	1.52	1.46	1.5	1.37	1.48	1.63
Price/Sales High	- -	- -	- -	3.29	3.19	2.46	2.25	1.66	1.79	1.61	1.7	1.78
Price/Sales Low	- -	- -	- -	2.77	2.12	1.96	1.16	1.02	1.35	1.21	1.36	1.53
Price/Cash Flow	- -	- -	- -	30.87	22.49	3.09	-4.41	-1.28	-2.87	2	2.56	1.72
Price/Cash Flow Average	- -	- -	- -	28.57	26.49	3.2	-4.29	-1.26	-3.01	2.09	2.38	1.66
Price/Cash Flow High	- -	- -	- -	30.87	31.29	3.64	-6.35	-1.43	-3.59	2.47	2.73	1.82
Price/Cash Flow Low	- -	- -	- -	26.02	20.75	2.91	-3.29	-0.88	-2.71	1.85	2.19	1.56
Price/Free Cash Flow Average	- -	- -	- -	19.38	26.58	3.19	-4.33	-1.28	-3.1	2.05	2.37	1.64
Price/Free Cash Flow High	- -	- -	- -	20.94	31.4	3.64	-6.4	-1.46	-3.69	2.42	2.71	1.79
Price/Free Cash Flow Low	- -	- -	- -	17.65	20.82	2.9	-3.32	-0.9	-2.79	1.81	2.17	1.53
EV/Sales Average	- -	- -	- -	2.04	0.98	0.84	0.52	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	2.29	1.47	1.15	1.24	- -	0.2	- -	- -	- -
EV/Sales Low	- -	- -	- -	1.77	0.39	0.65	0.16	- -	- -	- -	- -	- -
EV/EBITDA Average	-47.51	-41.13	-33.11	-16.62	12.1	10.59	- -	-107.94	-6.45	-76.9	-31.12	-104.37
EV/EBITDA High	-47.51	-41.13	-33.11	-16.62	18.19	14.38	- -	-93.95	14.09	-58.81	-26.67	-100.88
EV/EBITDA Low	-47.51	-41.13	-33.11	-16.62	4.82	8.12	- -	-138.3	-17.16	-88.73	-33.63	-106.75
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	17.27	12.9	11.15	8	11.35	11.5	9.9	10.8	11
High Price	- -	- -	- -	17.27	17.95	13.15	11.5	12.7	14.38	12.23	11.5	11.65
Enterprise Value Average	-63	-87	-89	-53	55	46	27	-122	-8	-84	-108	-310
Enterprise Value High	-63	-87	-89	-53	83	62	65	-107	17	-64	-92	-300
Enterprise Value Low	-63	-87	-89	-53	22	35	9	-157	-20	-97	-117	-317

Shares Outstanding	10	10	10	- -	10	10	10	10	11	11	11	11
Diluted Weighted Avg Shares	10	10	10	10	10	10	10	10	11	11	11	11
Basic Weighted Avg Shares	10	10	10	10	10	10	10	10	10	11	11	11
Revenue per Share	3.44	3.92	4.5	5.25	5.62	5.35	5.12	7.63	8.01	7.58	6.76	6.53
EBITDA per Share	0.13	0.21	0.27	0.32	0.45	0.43	- -	0.11	0.11	0.1	0.33	0.28
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.11	1.12	1.13	1.2	1.66	1.32	0.97	2.68	2.68	2.73	2.12	1.69
Basic EPS from Cont Ops	1.11	1.12	1.13	1.2	1.66	1.32	0.97	2.68	2.68	2.73	2.12	1.69
Diluted EPS, GAAP	1.11	1.12	1.13	1.16	1.6	1.29	0.96	2.65	2.66	2.72	2.12	1.69
Diluted EPS from Cont Ops	1.11	1.12	1.13	1.16	1.6	1.29	0.96	2.65	2.66	2.72	2.12	1.69
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	0.19	0.32	0.32	0.34	0.42
Cash Flow per Share	0.62	1.48	1.31	0.56	0.57	3.61	-1.81	-8.85	-4	4.96	4.21	6.41
Free Cash Flow per Basic Share	0.56	1.39	1.17	0.26	0.55	3.53	-1.82	-8.9	-4.08	4.86	4.18	6.3
Cash & Equivalents per Share	6.21	9.88	17.16	- -	20.28	18.73	23.77	35.71	24.36	28.47	31.25	41.3
Book Value per Share	7.51	8.9	10.1	- -	13.05	14.52	15.61	18.01	19.82	22.26	24.08	25.38
Tangible Book Value per Share	6.94	8.13	9.13	- -	12.01	13.57	14.65	16.73	18.72	21.31	23.2	24.58

CBB Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)