Coastal Banking Co Inc. Financial Ratios — CBCO Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016

Return on Common Equity (%)	- -	694.42	151.61	171.1	155.8	51.11	-128.06	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	0.83	0.94	0.87	0.6	0.86	0.61	-1.07	-3.09	-0.86	0.08	0.4	0.37	0.78	1.32	1.36
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	71.81	10.36	10.62	7.39	- -	- -	- -	- -	1.62	- -	3.01	3.9	4.61
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	30.07	38.48	33.46	33.32	37.31	30.69	-48.32	-86.96	-6.47	2.81	6.57	4.86	10.79	13.59	26.05
Operating Margin (%)	27.49	32.13	28.76	29.28	32.7	25.77	-52.64	-90.12	-9.93	0.92	5.58	3.08	9.25	12.68	26.05
Incremental Operating Margin (%)	63.16	42.58	16.37	30.3	36.32	157.2	- -	- -	- -	24.28	11.06	10.25	31.03	19.98	-4.14
Pretax Margin (%)	27.49	32.13	28.76	29.28	32.7	25.77	-52.64	-90.12	-9.93	0.92	5.58	3.08	9.25	12.68	26.05
Profit Margin (%)	18.09	20.99	21.2	19.17	21.94	18.15	-31.86	-78.16	-16.74	1.07	3.06	3.95	6.05	7.71	16.49
Net Income to Common Margin (%)	18.09	20.99	21.2	19.17	21.94	18.15	-32.16	-81.17	-19.22	-0.63	2.13	2.6	4.42	6.67	16.49
Effective Tax Rate (%)	34.2	34.68	26.29	34.53	32.9	29.58	- -	- -	- -	- -	45.26	- -	34.57	39.21	36.69
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	0.95	3.71	12.89	269.95	-43.57	90.91	- -	- -	- -
Sustainable Growth Rate (%)	- -	694.42	151.61	171.1	155.8	51.11	-126.84	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016

Total Debt	- -	- -	3	26	37	34	59	52	44	76	89	44	91	138	79
ST Debt	- -	- -	- -	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	3	23	37	34	59	52	44	76	89	44	91	138	79
Total Debt/EBITDA	- -	- -	1.76	9.93	6.51	7.64	-8.03	-3.24	-30.06	80.91	21.9	22.34	16.32	13.37	7.21
Net Debt/EBITDA	-3.07	-0.13	0.9	7.48	5.34	6.05	-7.36	-3.03	-28.54	76.53	19.37	18.9	15.59	12.9	6.48
Total Debt/EBIT	- -	- -	2.05	11.3	7.43	9.09	-7.37	-3.13	-19.58	245.64	25.76	35.24	19.04	14.34	7.21
Net Debt/EBIT	-3.36	-0.15	1.05	8.51	6.09	7.21	-6.76	-2.93	-18.59	232.37	22.78	29.81	18.18	13.84	6.48
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.09	0.16	0.88	0.13	0.9	1.5	0.24	-3.01	-4.29	-3.87	-3.62	-4.29	-3.28	-1.89	-0.33
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	138.39	133.85	228.17	257.38	124.8	239.59	413.83	153.11
Long-Term Debt/Capital (%)	- -	- -	70.6	86.9	90.65	84.02	84.73	109.19	124.56	113.22	109.17	116.53	104.49	106.83	102.37
Long-Term Debt/Total Assets (%)	- -	- -	2.12	6.49	8.73	7.88	12.35	11.33	10.35	15.84	18.66	11.6	21.5	29.62	14.1
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	138.39	133.85	228.17	257.38	124.8	239.59	413.83	153.11
Total Debt/Capital (%)	- -	- -	70.6	98.2	90.65	84.02	84.73	109.19	124.56	113.22	109.17	116.53	104.49	106.83	102.37
Total Debt/Total Assets (%)	- -	- -	2.12	7.34	8.73	7.88	12.35	11.33	10.35	15.84	18.66	11.6	21.5	29.62	14.1
Net Debt to Equity	- -	- -	- -	- -	- -	- -	- -	129.46	127.1	215.83	227.6	105.59	228.79	399.3	137.73
Net Debt/Capital (%)	102.79	740.8	55.08	97.63	88.82	80.64	83.57	109.89	126.21	114.08	110.5	120.14	104.72	107.1	102.64
EBITDA	1	2	2	3	6	4	-7	-16	-1	1	4	2	6	10	11
EBITDA-CapEx	1	2	2	3	6	4	-7	-16	-2	1	4	1	5	10	11
Operating Income (Loss)	1	1	2	2	5	4	-8	-17	-2	- -	3	1	5	10	11

Liquidity (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.09	0.16	0.88	0.13	0.9	1.5	0.24	-3.01	-4.29	-3.87	-3.62	-4.29	-3.28	-1.89	-0.33
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	138.39	133.85	228.17	257.38	124.8	239.59	413.83	153.11
Long-Term Debt/Capital (%)	- -	- -	70.6	86.9	90.65	84.02	84.73	109.19	124.56	113.22	109.17	116.53	104.49	106.83	102.37
Long-Term Debt/Total Assets (%)	- -	- -	2.12	6.49	8.73	7.88	12.35	11.33	10.35	15.84	18.66	11.6	21.5	29.62	14.1
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	138.39	133.85	228.17	257.38	124.8	239.59	413.83	153.11
Total Debt/Capital (%)	- -	- -	70.6	98.2	90.65	84.02	84.73	109.19	124.56	113.22	109.17	116.53	104.49	106.83	102.37
Total Debt/Total Assets (%)	- -	- -	2.12	7.34	8.73	7.88	12.35	11.33	10.35	15.84	18.66	11.6	21.5	29.62	14.1
CFO/Total Liabilities	- -	- -	- -	- -	- -	- -	- -	-2.82	-2.34	-13.47	2.14	36.27	-6.47	-5.47	- -
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	-74.95	-27.91	-155.04	21.25	175.5	-223.99	-76.24	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	-0.11	-0.01	0.03	0.12	0.09	0.15	0.25	0.19

Working Capital (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016

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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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016

Market Capitalization	8	17	18	21	56	34	15	9	6	6	13	20	24	32	50
- Cash & Cash Equivalents	3	- -	2	6	7	7	5	3	2	4	10	7	4	5	8
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	9	10	10	10	10	10	10	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	3	26	37	34	59	52	44	76	89	44	91	138	79
Enterprise Value	6	17	20	41	87	61	79	68	58	87	101	67	121	165	121
Total Capital	- -	- -	4	27	41	40	70	48	35	67	81	37	87	129	77
Total Debt/Capital (%)	- -	- -	70.6	98.2	90.65	84.02	84.73	109.19	124.56	113.22	109.17	116.53	104.49	106.83	102.37
Total Debt / EV	- -	- -	0.16	0.64	0.43	0.56	0.75	0.77	0.77	0.87	0.88	0.65	0.75	0.84	0.66
EV/Sales	2.05	4.03	3.73	5.18	5.66	4.22	5.19	3.65	2.54	2.61	1.64	1.67	2.35	2.18	2.86
EV/EBITDA	6.82	10.47	11.15	15.55	15.18	13.74	- -	- -	- -	93.04	24.96	34.34	21.76	16.01	10.99
EV/EBIT	7.46	12.54	12.97	17.69	17.32	16.36	- -	- -	- -	282.48	29.36	54.16	25.38	17.16	10.99
EV/Cash Flow to Firm	12.57	3.93	29.43	21.34	18.96	- -	- -	- -	- -	- -	10.73	0.54	- -	- -	- -
EV/Free Cash Flow to Firm	12.57	3.93	29.43	21.34	18.96	- -	- -	- -	- -	- -	10.25	0.54	- -	- -	- -
Diluted Market Cap	8	18	20	24	61	37	15	9	6	6	13	20	25	33	51
Diluted Enterprise Value	6	18	22	44	91	64	79	68	58	87	101	67	121	165	122
EV per Share	5.29	15.15	17.72	36.62	34.67	24.16	30.77	26.4	22.49	33.77	38.98	25.69	45.83	61.75	36.51
TTM Sales	3	4	5	8	15	15	15	19	23	33	62	40	52	76	42
TTM EBITDA	1	2	2	3	6	4	-7	-16	-1	1	4	2	6	10	11
TTM Operating Income	1	1	2	2	5	4	-8	-17	-2	- -	3	1	5	10	11
TTM Cash Flow to Firm	- -	4	1	2	5	-17	-22	-12	-9	-60	9	124	-25	-24	- -
TTM Free Cash Flow to Firm	- -	4	1	2	5	-17	-22	-12	-9	-59	10	124	-25	-23	- -

Multiples (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016

Price/Free Cash Flow	18.23	4.22	30.33	12.79	13.33	-2.17	-0.71	-0.78	-0.69	-0.1	1.31	0.16	-0.99	-1.4	- -
EV/EBIT	7.46	12.54	12.97	17.69	17.32	16.36	- -	- -	- -	282.48	29.36	54.16	25.38	17.16	10.99
Enterprise Value	6	17	20	41	87	61	79	68	58	87	101	67	121	165	121
Low Price	6.49	7.6	13.61	16.1	17.95	12.38	4.97	2.56	1.8	1.65	1.76	4.3	6.41	8.8	11.25
EV/Sales	2.05	4.03	3.73	5.18	5.66	4.22	5.19	3.65	2.54	2.61	1.64	1.67	2.35	2.18	2.86
EV/EBITDA	6.82	10.47	11.15	15.55	15.18	13.74	- -	- -	- -	93.04	24.96	34.34	21.76	16.01	10.99
Price/Earnings	16.44	19.44	16.18	14.02	16.74	13	- -	- -	- -	- -	9.85	19.34	10.69	6.32	7.12
Price/Earnings Average	15.53	14.21	14.53	13.09	14.53	18.03	-4.98	-0.73	-1.72	-24.86	8.04	17.35	9.13	5.47	6.14
Price/Earnings High	16.67	19.7	17.12	15.96	16.96	21.79	-7.99	-1.06	-2.14	-29.42	11.85	21.88	11.41	6.87	7.16
Price/Earnings Low	13.91	9.63	13.51	11.88	13.37	11.9	-2.61	-0.44	-1.06	-20.22	3.48	10.75	7.42	4.65	5.35
Price/Book Value	118.53	94.73	13.95	44.41	14.66	5.29	13.15	-0.66	-0.34	-0.31	-0.75	-1.25	-1.76	-3.63	-27.02
Price/Book Value Average	111.94	69.25	12.53	41.45	12.72	7.34	20.89	-0.79	-0.41	-0.28	-0.61	-1.12	-1.5	-3.14	-23.29
Price/Book Value High	120.14	96.02	14.76	50.55	14.85	8.88	33.5	-1.15	-0.51	-0.33	-0.91	-1.41	-1.88	-3.94	-27.15
Price/Book Value Low	100.25	46.94	11.65	37.62	11.71	4.85	10.92	-0.47	-0.25	-0.23	-0.27	-0.69	-1.22	-2.67	-20.29
Price/Tangible Book Value	- -	- -	- -	-1.95	-5.13	-3.15	-0.76	0.33	0.26	0.25	0.54	0.86	0.93	1.01	1
Price/Tangible Book Value Average	- -	- -	- -	-1.82	-4.45	-4.37	-1.21	0.39	0.32	0.22	0.44	0.77	0.79	0.87	0.86
Price/Tangible Book Value High	- -	- -	- -	-2.22	-5.2	-5.28	-1.94	0.57	0.4	0.26	0.65	0.97	0.99	1.09	1.01
Price/Tangible Book Value Low	- -	- -	- -	-1.65	-4.1	-2.88	-0.63	0.23	0.2	0.18	0.19	0.48	0.64	0.74	0.75
Price/Sales	2.97	4.08	3.43	2.69	3.67	2.36	1.01	0.5	0.27	0.17	0.21	0.5	0.47	0.42	1.17
Price/Sales Average	2.81	2.98	3.08	2.51	3.19	3.27	1.6	0.59	0.33	0.16	0.17	0.45	0.4	0.36	1.01
Price/Sales High	3.02	4.14	3.63	3.06	3.72	3.95	2.57	0.86	0.41	0.19	0.25	0.57	0.5	0.46	1.18
Price/Sales Low	2.52	2.02	2.86	2.28	2.93	2.16	0.84	0.35	0.2	0.13	0.07	0.28	0.33	0.31	0.88
Price/Cash Flow	18.23	3.98	27.05	11.07	12.29	-2.03	-0.71	-0.77	-0.67	-0.1	1.37	0.16	-0.98	-1.35	- -
Price/Cash Flow Average	17.22	2.91	24.29	10.34	10.67	-2.81	-1.13	-0.92	-0.82	-0.09	1.12	0.15	-0.84	-1.17	- -
Price/Cash Flow High	18.48	4.03	28.62	12.6	12.45	-3.4	-1.81	-1.34	-1.02	-0.1	1.65	0.18	-1.05	-1.47	- -
Price/Cash Flow Low	15.42	1.97	22.6	9.38	9.82	-1.85	-0.59	-0.55	-0.5	-0.07	0.48	0.09	-0.68	-1	- -
Price/Free Cash Flow Average	17.22	3.09	27.24	11.94	11.57	-3.01	-1.13	-0.93	-0.85	-0.09	1.07	0.15	-0.85	-1.21	- -
Price/Free Cash Flow High	18.48	4.28	32.09	14.56	13.51	-3.64	-1.81	-1.36	-1.05	-0.1	1.58	0.19	-1.06	-1.52	- -
Price/Free Cash Flow Low	15.42	2.09	25.34	10.84	10.65	-1.99	-0.59	-0.56	-0.52	-0.07	0.46	0.09	-0.69	-1.03	- -
EV/Sales Average	1.89	2.93	3.38	5	5.18	5.13	5.78	3.74	2.6	2.6	1.6	1.62	2.28	2.12	2.7
EV/Sales High	2.09	4.09	3.93	5.55	5.71	5.81	6.75	4.01	2.68	2.62	1.68	1.73	2.38	2.21	2.87
EV/Sales Low	1.59	1.97	3.17	4.77	4.92	4.02	5.02	3.5	2.47	2.57	1.5	1.45	2.2	2.06	2.57
EV/EBITDA Average	6.27	7.62	10.11	15.01	13.88	16.71	-11.97	-4.3	-40.18	92.44	24.37	33.27	21.12	15.59	10.37
EV/EBITDA High	6.95	10.62	11.75	16.66	15.31	18.94	-13.97	-4.61	-41.42	93.47	25.61	35.7	22.05	16.27	11.01
EV/EBITDA Low	5.3	5.13	9.46	14.31	13.2	13.09	-10.38	-4.03	-38.19	91.4	22.9	29.75	20.42	15.18	9.87
EV/EBIT Average	6.86	9.13	11.76	17.08	15.84	19.9	-10.98	-4.15	-26.17	280.66	28.67	52.48	24.64	16.71	10.37
EV/EBIT High	7.61	12.72	13.66	18.96	17.47	22.55	-12.82	-4.45	-26.98	283.77	30.13	56.31	25.72	17.45	11.01
EV/EBIT Low	5.79	6.14	11.01	16.29	15.06	15.59	-9.53	-3.89	-24.88	277.5	26.93	46.93	23.82	16.28	9.87
Last Price	7.67	15.34	16.29	19	22.48	13.52	5.99	3.59	2.39	2.24	4.99	7.73	9.23	11.97	14.98
High Price	7.77	15.55	17.23	21.63	22.77	22.67	15.25	6.25	3.65	2.4	6	8.75	9.85	13	15.05
Enterprise Value Average	5	12	18	39	79	74	88	70	59	86	99	65	117	160	114
Enterprise Value High	6	17	21	44	87	84	103	75	61	87	104	70	123	167	121
Enterprise Value Low	5	8	17	38	75	58	76	65	56	85	93	58	113	156	108

Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3	3	3	4
Diluted Weighted Avg Shares	1	1	1	1	3	3	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	1	1	1	1	3	3	3	3	3	3	3	3	3	3	3
Revenue per Share	2.58	3.76	4.75	7.07	6.12	5.73	5.93	7.24	8.86	12.93	23.78	15.4	19.52	28.38	12.75
EBITDA per Share	0.78	1.45	1.59	2.36	2.28	1.76	-2.87	-6.3	-0.57	0.36	1.56	0.75	2.11	3.86	3.32
Operating Income per Share	0.71	1.21	1.37	2.07	2	1.48	-3.12	-6.52	-0.88	0.12	1.33	0.47	1.81	3.6	3.32
Basic EPS, GAAP	0.47	0.79	1.01	1.36	1.34	1.04	-1.91	-5.88	-1.7	-0.08	0.51	0.4	0.86	1.89	2.1
Basic EPS from Cont Ops	0.47	0.79	1.01	1.36	1.34	1.04	-1.89	-5.66	-1.48	0.14	0.73	0.61	1.18	2.19	2.1
Diluted EPS, GAAP	0.47	0.74	0.9	1.17	1.24	0.97	-1.91	-5.88	-1.7	-0.08	0.51	0.4	0.86	1.85	2.05
Diluted EPS from Cont Ops	0.47	0.74	0.9	1.17	1.24	0.97	-1.89	-5.66	-1.48	0.14	0.73	0.6	1.17	2.14	2.05
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.57	0.32	0.29	- -
Cash Flow per Share	0.42	3.86	0.6	1.72	1.83	-6.68	-8.42	-4.67	-3.59	-23.24	3.63	47.41	-9.41	-8.84	- -
Free Cash Flow per Basic Share	0.42	3.86	0.6	1.72	1.83	-6.68	-8.42	-4.74	-3.72	-23.39	3.46	47.14	-9.46	-8.96	- -
Cash & Equivalents per Share	2.38	0.19	1.37	5.78	2.68	2.79	1.91	1.32	0.87	1.59	3.96	2.57	1.55	1.81	2.41
Book Value per Share	0.06	0.16	1.17	0.43	1.53	2.55	0.46	-5.42	-7.13	-7.17	-6.63	-6.19	-5.25	-3.3	-0.55
Tangible Book Value per Share	- -	- -	- -	-9.73	-4.38	-4.3	-7.86	11	9.11	9.12	9.19	9.02	9.95	11.89	14.96

Coastal Banking Co Inc.

Profitability (USD)

Credit (USD)

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Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)