Bay Community Bancorp Financial Ratios — CBOBA Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Return on Common Equity (%)	- -	-33.14	1.44	- -	- -	- -	- -	8.33	11.44	11.39
Return on Assets (%)	- -	-1.82	0.17	0.84	0.69	0.87	1.46	0.87	1.1	0.96
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	1.47	4.6	3.79	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-20.47	-39.96	8.99	15.59	17.01	- -	- -	- -	- -	- -
Operating Margin (%)	-29.03	-52.74	3.37	15.59	17.01	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	133.52	56.02	20.78	-172.73	- -	- -	- -	- -
Pretax Margin (%)	-29.03	-52.74	3.36	15.59	17.01	22.47	31.49	33.18	38.82	36.64
Profit Margin (%)	-29.08	-52.8	3.31	15.56	11.98	14.65	21.55	23.01	27.29	25.81
Net Income to Common Margin (%)	-29.08	-52.8	3.31	15.56	11.98	14.65	21.55	23.01	27.29	25.81
Effective Tax Rate (%)	- -	- -	1.49	0.25	29.61	34.81	31.58	30.67	29.7	29.55
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	14.29	19
Sustainable Growth Rate (%)	- -	-33.14	1.44	- -	- -	- -	- -	8.33	9.8	9.22

Credit (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Total Debt	- -	- -	- -	3	4	4	34	38	34	74
ST Debt	- -	- -	- -	2	- -	1	- -	- -	- -	- -
LT Debt	- -	- -	- -	1	4	3	34	38	34	74
Total Debt/EBITDA	- -	- -	- -	6.86	6.74	- -	- -	- -	- -	- -
Net Debt/EBITDA	6.21	3.79	-12.41	-4.44	-5.28	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	6.86	6.74	- -	- -	- -	- -	- -
Net Debt/EBIT	4.37	2.87	-33.08	-4.44	-5.28	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.94	4.97	18.01	-9.69	-7.2	-6.7	11.33	9.68	9.54	7.56
Long-Term Debt/Equity (%)	- -	- -	- -	13.22	44.15	27.63	61.53	60.73	49.24	40.3
Long-Term Debt/Capital (%)	- -	- -	- -	-39.17	-447.08	-339.18	38.14	37.94	32.91	27.89
Long-Term Debt/Total Assets (%)	- -	- -	- -	1.82	5.28	3.98	6.99	5.91	4.68	7.68
Total Debt/Equity (%)	- -	- -	- -	36.74	50.28	38.37	61.53	60.73	49.24	40.3
Total Debt/Capital (%)	- -	- -	- -	-108.89	-509.19	-471.11	38.14	37.94	32.91	27.89
Total Debt/Total Assets (%)	- -	- -	- -	5.05	6.01	5.53	6.99	5.91	4.68	7.68
Net Debt to Equity	-81.17	-117.71	-30.73	-23.79	-39.39	16.39	-117.24	-155.45	-132.94	-27.52
Net Debt/Capital (%)	-499.36	819.86	-43.68	25.23	39.57	-54.39	-265.76	-3,346.21	-796.34	-23.52
EBITDA	- -	-1	- -	- -	1	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	-1	- -	- -	1	- -	-1	-1	- -	- -
Operating Income (Loss)	- -	-1	- -	- -	1	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.94	4.97	18.01	-9.69	-7.2	-6.7	11.33	9.68	9.54	7.56
Long-Term Debt/Equity (%)	- -	- -	- -	13.22	44.15	27.63	61.53	60.73	49.24	40.3
Long-Term Debt/Capital (%)	- -	- -	- -	-39.17	-447.08	-339.18	38.14	37.94	32.91	27.89
Long-Term Debt/Total Assets (%)	- -	- -	- -	1.82	5.28	3.98	6.99	5.91	4.68	7.68
Total Debt/Equity (%)	- -	- -	- -	36.74	50.28	38.37	61.53	60.73	49.24	40.3
Total Debt/Capital (%)	- -	- -	- -	-108.89	-509.19	-471.11	38.14	37.94	32.91	27.89
Total Debt/Total Assets (%)	- -	- -	- -	5.05	6.01	5.53	6.99	5.91	4.68	7.68
CFO/Total Liabilities	0.54	-1.3	-0.16	- -	- -	- -	1.17	1.3	1.54	0.91
CFO/CapEx	- -	- -	- -	- -	- -	- -	4.17	12.04	254.42	58.13
Altman's Z-Score	-0.16	-0.23	0.05	0.16	0.15	-0.03	0.13	0.11	0.13	0.12

Working Capital (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Accounts Receivable Turnover	- -	3.45	4.79	8	21.99	23.37	112.52	- -	- -	- -
Days Sales Outstanding	- -	105.66	76.24	45.61	16.6	15.62	3.24	- -	- -	- -
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

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Market Capitalization	- -	1	11	17	17	- -	57	47	61	76
- Cash & Cash Equivalents	2	2	2	5	7	2	66	96	90	51
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	119
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	3	4	4	34	38	34	74
Enterprise Value	-2	-1	8	16	14	2	26	-11	4	219
Total Capital	3	2	7	-3	-1	-1	90	99	102	267
Total Debt/Capital (%)	- -	- -	- -	-108.89	-509.19	-471.11	38.14	37.94	32.91	27.89
Total Debt / EV	- -	- -	- -	0.18	0.29	2.34	1.35	-3.3	9.24	0.34
EV/Sales	- -	- -	4.17	6	3.95	0.39	1.35	- -	0.13	7.01
EV/EBITDA	- -	- -	46.43	38.49	23.19	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	123.83	38.49	23.19	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	4.99	- -	0.36	30.52
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	4.02	- -	0.36	30
Diluted Market Cap	- -	1	11	17	17	- -	59	48	62	78
Diluted Enterprise Value	-2	-1	8	16	14	2	28	-10	5	221
EV per Share	- -	- -	5.04	8.3	7.51	- -	2.99	- -	0.41	24.96
TTM Sales	2	1	2	3	4	4	19	21	27	31
TTM EBITDA	- -	-1	- -	- -	1	- -	- -	- -	- -	- -
TTM Operating Income	- -	-1	- -	- -	1	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	5	7	10	7
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	6	8	10	7

Multiples (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Price/Free Cash Flow	- -	-2.61	-202.76	- -	- -	- -	9.29	5.98	6.25	10.71
EV/EBIT	- -	- -	123.83	38.49	23.19	- -	- -	- -	- -	- -
Enterprise Value	-2	-1	8	16	14	2	26	-11	4	219
Low Price	- -	4.25	4.25	6.5	9.11	8	6.66	4.46	5.85	6.32
EV/Sales	- -	- -	4.17	6	3.95	0.39	1.35	- -	0.13	7.01
EV/EBITDA	- -	- -	46.43	38.49	23.19	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	159.75	43.04	40.45	- -	13.95	9.64	8.17	9.42
Price/Earnings Average	- -	-1.64	131.77	33.55	45.22	- -	13.63	9.19	8.03	8.48
Price/Earnings High	- -	-1.77	181.25	46.48	54.84	- -	15.73	13.11	9.51	10.72
Price/Earnings Low	- -	-1.77	106.25	30.21	39.97	- -	13.97	7.98	6.96	6.88
Price/Book Value	- -	0.65	1.44	-3.26	-3.53	- -	1.01	0.77	0.89	1.04
Price/Book Value Average	- -	0.65	1.19	-2.54	-3.95	- -	0.99	0.73	0.87	0.93
Price/Book Value High	- -	0.7	1.64	-3.52	-4.79	- -	1.14	1.04	1.03	1.18
Price/Book Value Low	- -	0.7	0.96	-2.29	-3.49	- -	1.02	0.64	0.76	0.76
Price/Tangible Book Value	- -	0.67	1.46	2.3	2.12	- -	1.01	0.76	0.89	1.16
Price/Tangible Book Value Average	- -	0.67	1.2	1.79	2.37	- -	0.99	0.73	0.88	1.04
Price/Tangible Book Value High	- -	0.73	1.65	2.48	2.88	- -	1.14	1.04	1.04	1.32
Price/Tangible Book Value Low	- -	0.73	0.97	1.61	2.1	- -	1.01	0.63	0.76	0.85
Price/Sales	- -	0.87	5.29	6.69	4.84	- -	3	2.22	2.23	2.43
Price/Sales Average	- -	0.87	4.36	5.22	5.42	- -	2.94	2.11	2.19	2.19
Price/Sales High	- -	0.93	6	7.23	6.57	- -	3.39	3.02	2.6	2.77
Price/Sales Low	- -	0.93	3.52	4.7	4.79	- -	3.01	1.84	1.9	1.77
Price/Cash Flow	- -	-2.61	-202.76	- -	- -	- -	11.07	6.32	6.09	10.59
Price/Cash Flow Average	- -	-2.61	-167.24	- -	- -	- -	10.83	6.02	5.99	9.53
Price/Cash Flow High	- -	-2.82	-230.05	- -	- -	- -	12.49	8.59	7.1	12.04
Price/Cash Flow Low	- -	-2.82	-134.86	- -	- -	- -	11.09	5.23	5.19	7.73
Price/Free Cash Flow Average	- -	-2.61	-167.24	- -	- -	- -	9.08	5.7	6.14	9.64
Price/Free Cash Flow High	- -	-2.82	-230.05	- -	- -	- -	10.48	8.13	7.28	12.19
Price/Free Cash Flow Low	- -	-2.82	-134.86	- -	- -	- -	9.31	4.95	5.32	7.82
EV/Sales Average	- -	- -	3.25	4.53	4.52	0.39	1.29	- -	0.1	6.77
EV/Sales High	- -	- -	4.88	6.54	5.67	0.39	1.74	0.26	0.5	7.34
EV/Sales Low	- -	- -	2.4	4.01	3.89	0.39	1.36	- -	- -	6.35
EV/EBITDA Average	6.21	1.62	36.13	29.02	26.55	- -	- -	- -	- -	- -
EV/EBITDA High	6.21	1.45	54.35	41.92	33.32	- -	- -	- -	- -	- -
EV/EBITDA Low	6.21	1.45	26.73	25.69	22.85	- -	- -	- -	- -	- -
EV/EBIT Average	4.37	1.23	96.34	29.02	26.55	- -	- -	- -	- -	- -
EV/EBIT High	4.37	1.1	144.95	41.92	33.32	- -	- -	- -	- -	- -
EV/EBIT Low	4.37	1.1	71.28	25.69	22.85	- -	- -	- -	- -	- -
Last Price	- -	3.94	6.39	9.26	9.22	9.26	6.65	5.39	6.87	8.66
High Price	- -	4.25	7.25	10	12.5	11	7.5	7.33	8	9.85
Enterprise Value Average	-2	-1	6	12	16	2	24	-14	3	211
Enterprise Value High	-2	-1	10	17	20	2	33	6	14	229
Enterprise Value Low	-2	-1	5	10	14	2	26	-19	-5	198

Shares Outstanding	- -	- -	2	2	2	2	9	9	9	9
Diluted Weighted Avg Shares	- -	- -	2	2	2	- -	9	9	9	9
Basic Weighted Avg Shares	- -	- -	2	2	2	- -	9	9	9	9
Revenue per Share	5.54	4.55	1.21	1.38	1.9	- -	2.21	2.43	3.08	3.56
EBITDA per Share	-1.13	-1.82	0.11	0.22	0.32	- -	- -	- -	- -	- -
Operating Income per Share	-1.61	-2.4	0.04	0.22	0.32	- -	- -	- -	- -	- -
Basic EPS, GAAP	-1.61	-2.4	0.04	0.22	0.23	- -	0.48	0.56	0.84	0.92
Basic EPS from Cont Ops	-1.61	-2.4	0.04	0.22	0.23	- -	0.48	0.56	0.84	0.92
Diluted EPS, GAAP	-1.61	-2.4	0.04	0.22	0.23	- -	0.46	0.55	0.82	0.89
Diluted EPS from Cont Ops	-1.61	-2.4	0.04	0.22	0.23	- -	0.46	0.55	0.82	0.89
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	0.12	0.17
Cash Flow per Share	0.73	-1.51	-0.03	- -	- -	- -	0.6	0.85	1.13	0.82
Free Cash Flow per Basic Share	0.73	-1.51	-0.03	- -	- -	- -	0.46	0.78	1.12	0.8
Cash & Equivalents per Share	7.04	6.89	1.35	2.44	3.89	- -	7.7	10.98	10.26	5.8
Book Value per Share	8.45	6.05	4.43	-2.84	-2.61	- -	6.55	7.02	7.75	8.35
Tangible Book Value per Share	8.67	5.85	4.38	4.03	4.34	- -	6.56	7.06	7.72	7.46

Bay Community Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)