Coastal Carolina Bancshares, Inc. Financial Ratios — CCNB

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	123.73	77.86	48.93	37.02	28.51	27.64
Return on Assets (%)	- -	0.11	0.6	0.68	0.71	0.92	0.91	0.92	0.84	0.92
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.4	4.82	4.31	3.91	3.71	3.32	2.37	2.16	1.78	1.36
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	3.74	18.21	19.2	22.17	22.16	30.35	30.98	34.34	31.57	33.92
Profit Margin (%)	2.04	2.6	15.02	17.38	17.6	24.58	25.22	27.34	25.18	26.72
Net Income to Common Margin (%)	2.04	2.6	15.02	17.38	17.6	24.58	25.22	27.34	25.18	26.72
Effective Tax Rate (%)	45.45	85.7	21.8	21.62	20.57	19.01	18.59	20.39	20.26	21.21
Dvd Payout Ratio (%)	- -	- -	- -	0.05	0.58	1.74	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	123.01	76.51	48.93	37.02	28.51	27.64

Credit (USD)

API Chat

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	6	10	6	12	13	13	23	39	22	23
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	6	10	6	12	13	13	23	39	22	23
Total Debt/EBITDA	14.85	16.68	9.87	18.42	16.84	15.34	33.4	60.95	36.12	41.71
Net Debt/EBITDA	-74.54	-46.36	-72.14	-42.68	-94.16	-191.59	-11.5	-2.49	-171.32	-347.77
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-1.44	-1.16	-0.44	0.26	0.81	1.47	2.22	2.73	3.13	3.52
Long-Term Debt/Equity (%)	20.66	23.54	13.51	24.51	24.66	21.72	39.77	59.15	28.86	22.51
Long-Term Debt/Capital (%)	409.8	160.92	138.57	91.03	73.08	53.72	55.23	60.46	38.93	34
Long-Term Debt/Total Assets (%)	1.91	3.06	1.58	2.62	2.2	1.7	2.74	4.17	1.99	1.81
Total Debt/Equity (%)	20.66	23.54	13.51	24.51	24.66	21.72	39.77	59.15	28.86	22.51
Total Debt/Capital (%)	409.8	160.92	138.57	91.03	73.08	53.72	55.23	60.46	38.93	34
Total Debt/Total Assets (%)	1.91	3.06	1.58	2.62	2.2	1.7	2.74	4.17	1.99	1.81
Net Debt to Equity	-103.7	-65.42	-98.7	-56.79	-137.88	-271.22	-13.69	-2.41	-136.87	-187.7
Net Debt/Capital (%)	86.91	88.01	96.33	121.77	112.37	109.54	-59.08	-6.12	153.26	131.42
EBITDA	- -	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	-1	- -	- -	-1	-3	-1	- -	- -	- -	-3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API Chat

	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	-1.44	-1.16	-0.44	0.26	0.81	1.47	2.22	2.73	3.13	3.52
Long-Term Debt/Equity (%)	20.66	23.54	13.51	24.51	24.66	21.72	39.77	59.15	28.86	22.51
Long-Term Debt/Capital (%)	409.8	160.92	138.57	91.03	73.08	53.72	55.23	60.46	38.93	34
Long-Term Debt/Total Assets (%)	1.91	3.06	1.58	2.62	2.2	1.7	2.74	4.17	1.99	1.81
Total Debt/Equity (%)	20.66	23.54	13.51	24.51	24.66	21.72	39.77	59.15	28.86	22.51
Total Debt/Capital (%)	409.8	160.92	138.57	91.03	73.08	53.72	55.23	60.46	38.93	34
Total Debt/Total Assets (%)	1.91	3.06	1.58	2.62	2.2	1.7	2.74	4.17	1.99	1.81
CFO/Total Liabilities	0.76	1.22	0.9	0.85	-0.09	1.74	1.72	1.06	1.03	1.16
CFO/CapEx	1.61	15.99	3.01	1.8	-0.15	5.65	25.27	26.23	12.54	4.07
Altman's Z-Score	0.01	0.11	0.1	0.11	0.1	0.11	0.12	0.11	0.11	0.08

Working Capital (USD)

API Chat

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	15.54	14.67	13.84	12.85	13.11	12	9.28	9.08	9.58
Days Sales Outstanding	- -	23.49	24.88	26.37	28.4	27.84	30.41	39.35	40.18	38.1
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 Chat

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	42	40	48	46	64	64	61	68	- -
- Cash & Cash Equivalents	33	38	50	35	84	171	28	39	123	215
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	6	10	6	12	13	13	23	39	22	23
Enterprise Value	-46	-8	-25	-5	-92	-183	-46	-38	-127	-275
Total Capital	1	6	4	13	18	24	41	65	56	68
Total Debt/Capital (%)	409.8	160.92	138.57	91.03	73.08	53.72	55.23	60.46	38.93	34
Total Debt / EV	-0.12	-1.2	-0.24	-2.34	-0.15	-0.07	-0.49	-1.02	-0.17	-0.08
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	42	40	48	46	64	64	62	68	- -
Diluted Enterprise Value	-28	14	-4	24	-25	-94	59	62	-33	-192
EV per Share	- -	- -	- -	- -	- -	- -	- -	9.92	- -	- -
TTM Sales	8	12	14	16	21	25	29	30	34	41
TTM EBITDA	- -	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	3	3	3	- -	12	13	9	10	14
TTM Free Cash Flow to Firm	3	4	4	5	3	14	14	10	11	17

Multiples (USD)

API Chat

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	11.3	9.94	9.01	16.42	4.49	4.67	6.45	6.04	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-46	-8	-25	-5	-92	-183	-46	-38	-127	-275
Low Price	- -	7.27	6.46	6.38	4.33	7	9.01	8.05	8.6	10.15
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	128.6	18.88	16.91	12.35	10.3	8.83	7.55	7.97	- -
Price/Earnings Average	- -	128.55	23.88	16.82	10.31	8.82	9.03	7.33	7.29	- -
Price/Earnings High	- -	192.56	26.44	18.62	13.09	10.59	10.03	8.45	8.34	- -
Price/Earnings Low	- -	110.03	18.8	13.94	7.13	6.9	7.69	6.12	6.29	- -
Price/Book Value	- -	-11	-23.91	41.34	9.44	5.77	3.47	2.4	1.99	- -
Price/Book Value Average	- -	-10.99	-30.24	41.12	7.88	4.94	3.55	2.33	1.82	- -
Price/Book Value High	- -	-16.47	-33.48	45.5	10.01	5.93	3.94	2.69	2.08	- -
Price/Book Value Low	- -	-9.41	-23.81	34.08	5.45	3.87	3.02	1.95	1.57	- -
Price/Tangible Book Value	- -	1.07	0.98	1.08	0.91	1.14	1.19	0.97	0.94	- -
Price/Tangible Book Value Average	- -	1.07	1.24	1.07	0.76	0.98	1.21	0.95	0.86	- -
Price/Tangible Book Value High	- -	1.6	1.37	1.18	0.97	1.18	1.35	1.09	0.98	- -
Price/Tangible Book Value Low	- -	0.92	0.97	0.89	0.53	0.77	1.03	0.79	0.74	- -
Price/Sales	- -	3.35	2.83	2.94	2.17	2.53	2.23	2.06	2.01	- -
Price/Sales Average	- -	3.35	3.59	2.92	1.82	2.17	2.28	2	1.84	- -
Price/Sales High	- -	5.02	3.97	3.23	2.3	2.6	2.53	2.31	2.1	- -
Price/Sales Low	- -	2.87	2.82	2.42	1.26	1.7	1.94	1.67	1.58	- -
Price/Cash Flow	- -	12	13.24	14.01	-94.08	5.27	4.82	6.66	6.47	- -
Price/Cash Flow Average	- -	12	16.75	13.93	-78.53	4.52	4.92	6.47	5.92	- -
Price/Cash Flow High	- -	17.97	18.54	15.42	-99.72	5.42	5.47	7.46	6.77	- -
Price/Cash Flow Low	- -	10.27	13.18	11.55	-54.32	3.53	4.2	5.41	5.1	- -
Price/Free Cash Flow Average	- -	11.29	12.57	8.96	13.71	3.85	4.78	6.26	5.52	- -
Price/Free Cash Flow High	- -	16.92	13.92	9.92	17.4	4.61	5.31	7.22	6.31	- -
Price/Free Cash Flow Low	- -	9.67	9.89	7.43	9.48	3.01	4.07	5.23	4.76	- -
EV/Sales Average	- -	1.11	0.47	1.48	- -	- -	2.1	2.02	- -	- -
EV/Sales High	- -	2.78	0.86	1.79	- -	- -	2.35	2.33	- -	- -
EV/Sales Low	- -	0.63	- -	0.98	- -	- -	1.76	1.69	- -	- -
EV/EBITDA Average	-74.54	23.06	10.99	37.83	-41.11	-122.76	88.46	93.64	-65.31	-345.62
EV/EBITDA High	-74.54	57.63	19.9	45.78	-27.92	-109.69	99.17	107.87	-50.52	-345.62
EV/EBITDA Low	-74.54	13.06	-6.7	25.04	-56.19	-137.01	74.27	78.38	-79.48	-345.62
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	8.5	6.49	7.74	7.5	10.45	10.34	9.92	10.9	12.98
High Price	- -	12.73	9.09	8.52	7.95	10.74	11.75	11.11	11.4	13
Enterprise Value Average	-28	14	7	24	-32	-103	60	60	-39	-192
Enterprise Value High	-28	35	12	29	-22	-92	67	69	-30	-192
Enterprise Value Low	-28	8	-4	16	-44	-115	50	50	-48	-192

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	6	6	6	6	6	6	6	6	6	8
Diluted Weighted Avg Shares	6	5	6	6	6	6	6	6	6	- -
Basic Weighted Avg Shares	6	5	6	6	6	6	6	6	6	- -
Revenue per Share	1.37	2.54	2.29	2.63	3.45	4.13	4.64	4.81	5.43	- -
EBITDA per Share	0.06	0.12	0.1	0.1	0.13	0.14	0.11	0.1	0.1	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.03	0.07	0.34	0.46	0.61	1.01	1.17	1.31	1.37	- -
Basic EPS from Cont Ops	0.03	0.07	0.34	0.46	0.61	1.01	1.17	1.31	1.37	- -
Diluted EPS, GAAP	0.03	0.07	0.34	0.46	0.61	1.01	1.16	1.31	1.36	- -
Diluted EPS from Cont Ops	0.03	0.07	0.34	0.46	0.61	1.01	1.16	1.31	1.36	- -
Dividend per Share	- -	- -	- -	- -	- -	0.02	- -	- -	- -	- -
Cash Flow per Share	0.32	0.71	0.49	0.55	-0.08	1.98	2.15	1.49	1.68	- -
Free Cash Flow per Basic Share	0.12	0.66	0.33	0.25	-0.62	1.63	2.06	1.43	1.55	- -
Cash & Equivalents per Share	8.39	12.24	11.55	10.45	24.52	42.37	21.55	22.44	34.76	- -
Book Value per Share	-0.68	-0.77	-0.27	0.19	0.79	1.81	2.98	4.14	5.48	- -
Tangible Book Value per Share	3.81	7.93	6.65	7.19	8.2	9.14	8.72	10.18	11.6	- -

Coastal Carolina Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)