Muncy Columbia Financial Corporation Financial Ratios — CCFN

Profitability (USD)

	2011 Y	2012 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 (%)	16.42	15.74	13.76	12.79	12.06	11.69	11.17	11.47	11.86	11.5	10.99	10.56	3.6	18.71	20.86
Return on Assets (%)	1.09	1.16	1.11	1.08	1.07	1.08	1.06	1.12	1.22	1.17	1.04	1	0.26	1.18	1.48
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	6.67	8.31	8.25	7.98	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.97	41.6	40.92	39.82	39.22	3.09	2.65	2.45	2.43	2.52	2.46	2.33	3.2	6.11	4.96
Operating Margin (%)	- -	36.3	36.51	35.84	35.62	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	922.01	1,034.2	33.35	1.88	-318.75	-3,432.05	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	36.03	36.3	36.51	35.84	35.62	36.35	39.09	34.54	36.45	38	39.34	39.23	12.35	36.72	41.01
Profit Margin (%)	26.85	27.35	27.87	27.4	27.68	28.41	27.2	29.5	30.94	31.41	31.48	33.5	11.15	31.27	34.14
Net Income to Common Margin (%)	26.85	27.35	27.87	27.4	27.68	28.41	27.2	29.5	30.94	31.41	31.48	33.5	11.15	31.27	34.14
Effective Tax Rate (%)	25.47	24.66	23.66	23.56	22.29	21.85	30.41	14.57	15.12	17.34	19.98	14.6	9.73	14.85	16.76
Dvd Payout Ratio (%)	40.66	39.96	43.17	43.72	44.11	42.83	42.92	40.06	36.72	35.63	69.12	36.48	105.02	32.95	33.56
Sustainable Growth Rate (%)	9.74	9.45	7.82	7.2	6.74	6.69	6.38	6.87	7.5	7.4	3.39	6.71	-0.18	12.54	13.86

Credit (USD)

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	2011 Y	2012 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	64	4	10	- -	10	- -	- -	14	1	1	1	- -	133	74	41
ST Debt	58	- -	8	- -	10	- -	- -	14	- -	- -	- -	- -	63	19	- -
LT Debt	6	4	2	- -	- -	- -	- -	- -	1	1	1	- -	70	56	41
Total Debt/EBITDA	42.77	0.38	0.96	0.01	1.01	0.11	0.11	21.13	1.53	1.34	1.28	0.04	137.15	19.94	11.53
Net Debt/EBITDA	18.64	-1.51	0.08	-1.62	0.14	-17.96	-30.33	2.77	-27.77	-144.68	-121.71	-19.73	117.26	15.26	-2.26
Total Debt/EBIT	- -	0.43	1.08	0.01	1.11	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-1.73	0.09	-1.8	0.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.93	7.83	8.25	8.66	9.15	9.4	9.51	9.98	10.52	9.84	9.14	9.86	5.81	6.77	7.42
Long-Term Debt/Equity (%)	8.57	5.52	2.78	0.12	0.11	0.1	0.09	0.08	1.07	0.95	0.9	0.03	45.8	33.37	21.08
Long-Term Debt/Capital (%)	5.68	7.95	3.45	0.18	0.14	0.14	0.12	0.08	1.35	1.18	1.07	0.03	30.8	30.48	24.63
Long-Term Debt/Total Assets (%)	0.98	0.68	0.34	0.02	0.01	0.01	0.01	0.01	0.14	0.12	0.1	- -	4.3	3.48	2.43
Total Debt/Equity (%)	90.19	5.52	12.67	0.12	11.91	0.1	0.09	15.1	1.07	0.95	0.9	0.03	86.75	44.54	21.08
Total Debt/Capital (%)	59.8	7.95	15.72	0.18	14.32	0.14	0.12	16.26	1.35	1.18	1.07	0.03	58.34	40.68	24.63
Total Debt/Total Assets (%)	10.31	0.68	1.54	0.02	1.53	0.01	0.01	1.94	0.14	0.12	0.1	- -	8.14	4.64	2.43
Net Debt to Equity	39.31	-22.04	1.09	-20.13	1.69	-16.22	-24.07	1.98	-19.45	-102.53	-85.62	-15.2	74.17	34.1	-4.13
Net Debt/Capital (%)	39.34	-52.67	1.58	-41.08	2.31	-28.33	-47.06	2.49	-32.55	465.92	6,468.94	-16.32	54.49	34.43	-6.85
EBITDA	2	11	10	10	10	1	1	1	1	1	1	1	1	4	4
EBITDA-CapEx	- -	10	10	10	9	- -	-2	- -	- -	1	- -	- -	- -	3	2
Operating Income (Loss)	- -	9	9	9	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 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	6.93	7.83	8.25	8.66	9.15	9.4	9.51	9.98	10.52	9.84	9.14	9.86	5.81	6.77	7.42
Long-Term Debt/Equity (%)	8.57	5.52	2.78	0.12	0.11	0.1	0.09	0.08	1.07	0.95	0.9	0.03	45.8	33.37	21.08
Long-Term Debt/Capital (%)	5.68	7.95	3.45	0.18	0.14	0.14	0.12	0.08	1.35	1.18	1.07	0.03	30.8	30.48	24.63
Long-Term Debt/Total Assets (%)	0.98	0.68	0.34	0.02	0.01	0.01	0.01	0.01	0.14	0.12	0.1	- -	4.3	3.48	2.43
Total Debt/Equity (%)	90.19	5.52	12.67	0.12	11.91	0.1	0.09	15.1	1.07	0.95	0.9	0.03	86.75	44.54	21.08
Total Debt/Capital (%)	59.8	7.95	15.72	0.18	14.32	0.14	0.12	16.26	1.35	1.18	1.07	0.03	58.34	40.68	24.63
Total Debt/Total Assets (%)	10.31	0.68	1.54	0.02	1.53	0.01	0.01	1.94	0.14	0.12	0.1	- -	8.14	4.64	2.43
CFO/Total Liabilities	0.83	0.54	1.59	3.19	1.45	1.29	1.57	1.46	1.75	0.99	1.72	1.13	0.48	1.18	1.57
CFO/CapEx	3.44	3.1	29.77	59.01	11.1	8.79	4.41	9.15	10.78	45.93	51.94	32.32	7.31	22.21	16.48
Altman's Z-Score	0.22	0.29	0.29	0.29	0.3	0.26	0.27	0.27	0.28	0.24	0.23	0.23	0.13	0.19	0.23

Working Capital (USD)

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	2011 Y	2012 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	17.05	17.91	15.02	14.95	14.59	14.24	14.53	13.9	14.67	15.35	17.39	15.3	8.01	11.92	14.32
Days Sales Outstanding	21.41	20.38	24.31	24.42	25.02	25.63	25.12	26.25	24.88	23.78	20.98	23.86	45.55	30.63	25.49
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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	2011 Y	2012 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	81	81	81	84	86	90	105	106	103	92	108	100	81	150	199
- Cash & Cash Equivalents	36	21	9	16	8	14	22	12	19	108	89	13	19	17	49
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	64	4	10	- -	10	- -	- -	14	1	1	1	- -	133	74	41
Enterprise Value	-87	-106	-97	-107	-85	-98	-98	-72	-115	-226	-318	-254	-218	59	32
Total Capital	108	52	61	55	69	63	68	87	79	85	88	93	229	182	165
Total Debt/Capital (%)	59.8	7.95	15.72	0.18	14.32	0.14	0.12	16.26	1.35	1.18	1.07	0.03	58.34	40.68	24.63
Total Debt / EV	-0.74	-0.04	-0.1	- -	-0.12	- -	- -	-0.2	-0.01	- -	- -	- -	-0.61	1.26	1.25
EV/Sales	- -	- -	- -	- -	- -	- -	- -	0.76	2.29	- -	0.35	- -	- -	0.97	0.46
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.89	9.2
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	2.24	5.89	- -	0.71	- -	- -	3.49	1.39
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	2.02	5.39	- -	0.7	- -	- -	3.34	1.31
Diluted Market Cap	81	81	81	84	86	90	105	106	103	92	108	100	81	150	199
Diluted Enterprise Value	109	64	82	67	87	76	83	108	85	-16	20	87	195	206	191
EV per Share	- -	- -	- -	- -	- -	- -	- -	9.77	31.32	- -	5.02	- -	- -	5.52	3.05
TTM Sales	25	26	24	25	25	25	27	27	29	30	30	28	30	61	71
TTM EBITDA	2	11	10	10	10	1	1	1	1	1	1	1	1	4	4
TTM Operating Income	- -	9	9	9	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	3	9	18	8	8	10	9	11	7	15	10	7	17	23
TTM Free Cash Flow to Firm	6	4	9	18	9	8	12	10	12	8	15	10	8	18	25

Multiples (USD)

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	2011 Y	2012 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	13.72	21.33	8.95	4.61	9.61	10.65	8.75	10.3	8.38	12.09	7.28	10.01	10.05	8.47	8.05
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-87	-106	-97	-107	-85	-98	-98	-72	-115	-226	-318	-254	-218	59	32
Low Price	9.5	11.42	12.08	11.17	12.5	12.95	13.67	15.57	16.03	9.93	14	14.37	11.17	9.5	12.75
EV/Sales	- -	- -	- -	- -	- -	- -	- -	0.76	2.29	- -	0.35	- -	- -	0.97	0.46
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.89	9.2
Price/Earnings	11.98	11.26	11.83	12.23	12.4	12.54	14.34	13.2	11.53	9.85	11.51	10.49	23.89	7.86	8.21
Price/Earnings Average	10.92	11.01	11.89	11.56	12.48	11.94	13.58	13.11	11.76	9.41	10.55	10.93	27.5	6.34	6.87
Price/Earnings High	12.48	11.69	12.24	13.36	14.36	13.44	18.32	15.65	13.02	11.2	13.52	12.67	37.01	8.25	8.29
Price/Earnings Low	9.36	10.54	11.59	10.66	11.73	11.6	11.97	12.39	11.39	6.67	9.28	9.42	22.56	5.35	5.58
Price/Book Value	1.87	1.69	1.57	1.51	1.45	1.42	1.55	1.46	1.32	1.09	1.24	1.07	0.85	1.38	1.6
Price/Book Value Average	1.71	1.65	1.57	1.43	1.46	1.35	1.47	1.45	1.34	1.04	1.14	1.12	0.98	1.12	1.34
Price/Book Value High	1.95	1.76	1.62	1.65	1.67	1.52	1.98	1.73	1.49	1.24	1.46	1.29	1.32	1.45	1.62
Price/Book Value Low	1.46	1.58	1.53	1.32	1.37	1.31	1.3	1.37	1.3	0.74	1	0.96	0.8	0.94	1.09
Price/Tangible Book Value	1.33	1.25	1.22	1.17	1.15	1.17	1.3	1.26	1.13	0.95	1.14	1.28	0.7	1.14	1.25
Price/Tangible Book Value Average	1.21	1.22	1.23	1.1	1.15	1.11	1.23	1.25	1.16	0.91	1.04	1.33	0.8	0.92	1.05
Price/Tangible Book Value High	1.38	1.3	1.26	1.27	1.33	1.25	1.66	1.49	1.28	1.08	1.34	1.54	1.08	1.2	1.26
Price/Tangible Book Value Low	1.04	1.17	1.2	1.02	1.08	1.08	1.08	1.18	1.12	0.65	0.92	1.15	0.66	0.78	0.85
Price/Sales	3.22	3.08	3.3	3.35	3.43	3.56	3.9	3.89	3.57	3.09	3.62	3.51	2.66	2.46	2.8
Price/Sales Average	2.93	3.01	3.31	3.17	3.46	3.39	3.7	3.87	3.64	2.96	3.32	3.66	3.07	1.98	2.34
Price/Sales High	3.35	3.2	3.41	3.66	3.97	3.82	4.98	4.62	4.03	3.52	4.26	4.24	4.13	2.58	2.83
Price/Sales Low	2.51	2.88	3.23	2.92	3.25	3.3	3.26	3.66	3.52	2.1	2.92	3.15	2.51	1.67	1.91
Price/Cash Flow	17.71	28.21	9.25	4.69	10.48	11.86	10.74	11.43	9.16	12.35	7.42	10.32	11.43	8.85	8.54
Price/Cash Flow Average	16.14	27.58	9.3	4.43	10.55	11.3	10.17	11.36	9.35	11.81	6.8	10.76	13.16	7.14	7.14
Price/Cash Flow High	18.45	29.29	9.57	5.12	12.13	12.71	13.71	13.55	10.34	14.04	8.71	12.47	17.71	9.29	8.62
Price/Cash Flow Low	13.83	26.4	9.06	4.09	9.91	10.97	8.96	10.73	9.05	8.37	5.98	9.27	10.79	6.02	5.81
Price/Free Cash Flow Average	12.5	20.86	8.99	4.36	9.67	10.14	8.29	10.24	8.55	11.55	6.67	10.44	11.57	6.83	6.74
Price/Free Cash Flow High	14.29	22.15	9.25	5.04	11.12	11.41	11.18	12.22	9.47	13.74	8.55	12.1	15.58	8.89	8.13
Price/Free Cash Flow Low	10.72	19.96	8.77	4.02	9.09	9.85	7.31	9.68	8.28	8.19	5.86	8.99	9.49	5.76	5.47
EV/Sales Average	4.04	2.38	3.35	2.52	3.51	2.84	2.89	3.94	3	- -	0.36	3.2	6.82	2.92	2.23
EV/Sales High	4.46	2.57	3.44	3.01	4.03	3.26	4.18	4.68	3.39	- -	1.3	3.78	7.88	3.51	2.72
EV/Sales Low	3.63	2.25	3.26	2.27	3.3	2.74	2.45	3.72	2.89	- -	- -	2.7	6.27	2.6	1.79
EV/EBITDA Average	67.75	5.73	8.18	6.33	8.95	91.99	109.03	160.74	123.74	-26.12	14.68	137.31	212.97	47.73	44.99
EV/EBITDA High	74.79	6.18	8.42	7.57	10.27	105.75	157.64	191.32	139.79	-3.89	52.79	162.32	246.1	57.51	54.78
EV/EBITDA Low	60.74	5.42	7.98	5.71	8.42	88.84	92.5	152.1	118.95	-60.29	-1.62	115.61	195.77	42.62	36.14
EV/EBIT Average	- -	6.56	9.17	7.03	9.86	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	7.08	9.43	8.41	11.31	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	6.21	8.94	6.34	9.27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	12.16	12.2	12.33	12.82	13.22	14	16.38	16.58	16.23	14.66	17.38	16	11.83	13.97	18.75
High Price	12.67	12.67	12.75	14	15.3	15	20.92	19.66	18.33	16.67	20.41	19.33	18.33	14.67	18.94
Enterprise Value Average	102	62	82	63	88	72	78	107	87	-20	11	91	207	177	158
Enterprise Value High	113	67	84	75	101	82	112	127	98	-3	39	107	239	214	193
Enterprise Value Low	91	59	80	57	82	69	66	101	83	-45	-1	77	190	158	127

	2011 Y	2012 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	7	7	7	6	6	6	6	6	6	6	6	6	11	11	11
Diluted Weighted Avg Shares	7	7	7	7	6	6	6	6	6	6	6	6	7	11	11
Basic Weighted Avg Shares	7	7	7	7	6	6	6	6	6	6	6	6	7	11	11
Revenue per Share	3.78	3.96	3.74	3.83	3.85	3.93	4.2	4.26	4.55	4.74	4.79	4.55	4.44	5.68	6.69
EBITDA per Share	0.23	1.65	1.53	1.52	1.51	0.12	0.11	0.1	0.11	0.12	0.12	0.11	0.14	0.35	0.33
Operating Income per Share	- -	1.44	1.36	1.37	1.37	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.02	1.08	1.04	1.05	1.07	1.12	1.14	1.26	1.41	1.49	1.51	1.53	0.5	1.78	2.28
Basic EPS from Cont Ops	1.02	1.08	1.04	1.05	1.07	1.12	1.14	1.26	1.41	1.49	1.51	1.53	0.5	1.78	2.28
Diluted EPS, GAAP	1.02	1.08	1.04	1.05	1.07	1.12	1.14	1.26	1.41	1.49	1.51	1.53	0.5	1.78	2.28
Diluted EPS from Cont Ops	1.02	1.08	1.04	1.05	1.07	1.12	1.14	1.26	1.41	1.49	1.51	1.53	0.5	1.78	2.28
Dividend per Share	0.41	0.43	0.45	0.46	0.47	0.48	0.49	0.5	0.52	0.53	1.04	0.56	0.52	0.59	0.77
Cash Flow per Share	0.69	0.43	1.33	2.73	1.26	1.18	1.53	1.45	1.77	1.19	2.34	1.55	1.04	1.58	2.2
Free Cash Flow per Basic Share	0.49	0.29	1.29	2.69	1.15	1.05	1.18	1.29	1.61	1.16	2.3	1.5	0.89	1.51	2.06
Cash & Equivalents per Share	34.87	28.93	28.56	29.22	27.8	29.36	31.74	29.98	34.6	50.84	68.56	56.8	63.26	15.38	19.52
Book Value per Share	6.49	7.21	7.87	8.49	9.14	9.87	10.55	11.35	12.32	13.42	13.97	14.93	13.94	10.1	11.71
Tangible Book Value per Share	9.17	9.78	10.1	10.98	11.54	12.01	12.62	13.19	14.33	15.38	15.24	12.51	17.01	12.21	14.98

Muncy Columbia Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)