Cornerstone Financial Corporation Financial Ratios — CFIC

Profitability (USD)

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	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	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Return on Common Equity (%)	- -	7.88	13.34	8.46	-1.04	-1.07	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	- -	0.49	0.36	0.22	-0.04	-0.04	-0.2	0.58	-0.32	1.5	0.07	0.02	-0.07
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	3.34	2.2	1.43	- -	- -	- -	3.62	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	20.72	27.67	18.57	16.45	2.65	2.39	-3.09	27.58	3.05	- -	- -	- -	- -
Operating Margin (%)	14.62	23.31	18.57	10.32	-4.17	-3.43	-10.71	24.49	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	48.68	-36.39	-77.68	- -	- -	- -	128.51	-189.1	- -	- -	- -	- -
Pretax Margin (%)	14.62	23.31	18.57	10.32	-4.17	-3.43	-10.71	24.49	-13.88	1.94	3.17	0.02	-3.73
Profit Margin (%)	8.76	13.63	11.05	7.19	-1.64	-1.19	-5.9	14.97	-8.09	64.86	2.09	0.54	-2.25
Net Income to Common Margin (%)	8.76	13.63	11.05	7.19	-1.64	-1.19	-5.9	13.93	-9.01	64.86	2.09	0.54	-2.25
Effective Tax Rate (%)	40.09	41.53	40.51	30.3	- -	- -	- -	38.87	- -	- -	34.17	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	-3.45	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	7.88	13.34	8.46	-1.04	-1.11	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

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	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	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	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Total Debt	2	5	13	8	12	29	38	33	33	9	8	2	2
ST Debt	- -	- -	- -	- -	- -	- -	5	5	5	- -	- -	- -	- -
LT Debt	2	5	13	8	12	29	33	28	28	9	8	2	2
Total Debt/EBITDA	3.01	3.94	14.88	9.48	86.54	167.18	-126.88	9.3	74.66	- -	- -	- -	- -
Net Debt/EBITDA	-0.42	-0.71	14.88	3.74	49.85	138.42	-110.85	7.79	63.26	- -	- -	- -	- -
Total Debt/EBIT	4.26	4.68	14.88	15.11	-55.1	-116.56	-36.6	10.47	- -	- -	- -	- -	- -
Net Debt/EBIT	-0.6	-0.85	14.88	5.96	-31.74	-96.51	-31.98	8.78	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.97	5.71	- -	4.69	3.83	3.29	-0.23	0.31	-0.28	-4.58	-4.29	-3.58	-4.02
Long-Term Debt/Equity (%)	14.38	32.41	86.51	51.55	79.47	190.25	184.6	157.76	146.85	51.52	46.79	6.59	6
Long-Term Debt/Capital (%)	21.86	37.75	100	47.84	60.14	78.25	84.87	78.02	82.27	3,876.02	4,307.22	-31.42	-24.86
Long-Term Debt/Total Assets (%)	1.95	3.46	8.39	4.3	5.78	11.82	10.74	7.91	7.3	3.3	3.06	0.61	0.58
Total Debt/Equity (%)	14.38	32.41	86.51	51.55	79.47	190.25	210.83	185.24	173.07	51.52	46.79	6.59	6
Total Debt/Capital (%)	21.86	37.75	100	47.84	60.14	78.25	96.93	91.62	96.96	3,876.02	4,307.22	-31.42	-24.86
Total Debt/Total Assets (%)	1.95	3.46	8.39	4.3	5.78	11.82	12.27	9.29	8.6	3.3	3.06	0.61	0.58
Net Debt to Equity	-2.02	-5.87	86.51	20.33	45.78	157.52	184.21	155.21	146.65	-26.54	-219.32	-357.87	-23.08
Net Debt/Capital (%)	-4.09	-12.34	100	26.56	46.51	74.86	96.5	90.15	96.43	105.27	100.5	94.46	48.86
EBITDA	1	1	1	1	- -	- -	- -	4	- -	- -	- -	- -	- -
EBITDA-CapEx	1	1	1	1	-1	-2	- -	3	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	1	1	1	- -	- -	-1	3	- -	- -	- -	- -	- -

Liquidity (USD)

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	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	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	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.97	5.71	- -	4.69	3.83	3.29	-0.23	0.31	-0.28	-4.58	-4.29	-3.58	-4.02
Long-Term Debt/Equity (%)	14.38	32.41	86.51	51.55	79.47	190.25	184.6	157.76	146.85	51.52	46.79	6.59	6
Long-Term Debt/Capital (%)	21.86	37.75	100	47.84	60.14	78.25	84.87	78.02	82.27	3,876.02	4,307.22	-31.42	-24.86
Long-Term Debt/Total Assets (%)	1.95	3.46	8.39	4.3	5.78	11.82	10.74	7.91	7.3	3.3	3.06	0.61	0.58
Total Debt/Equity (%)	14.38	32.41	86.51	51.55	79.47	190.25	210.83	185.24	173.07	51.52	46.79	6.59	6
Total Debt/Capital (%)	21.86	37.75	100	47.84	60.14	78.25	96.93	91.62	96.96	3,876.02	4,307.22	-31.42	-24.86
Total Debt/Total Assets (%)	1.95	3.46	8.39	4.3	5.78	11.82	12.27	9.29	8.6	3.3	3.06	0.61	0.58
CFO/Total Liabilities	1.86	0.63	- -	0.28	-0.15	0.11	0.41	0.5	0.12	0.07	-1.15	1.15	0.23
CFO/CapEx	- -	- -	- -	- -	-0.3	0.12	11.99	5.1	1.24	0.84	-15.32	42.32	4.54
Altman's Z-Score	0.13	0.16	0.12	0.1	0.07	0.05	0.03	0.09	0.05	-0.02	-0.01	0.01	0.03

Working Capital (USD)

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	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	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	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Accounts Receivable Turnover	- -	9.81	18	11.57	5.65	6.57	7.09	7.05	7.77	9.43	- -	- -	- -
Days Sales Outstanding	- -	37.19	20.28	31.56	64.61	55.57	51.47	51.76	47	38.69	- -	- -	- -
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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	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	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	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Market Capitalization	13	20	17	16	14	11	8	10	7	7	6	14	24
- Cash & Cash Equivalents	2	6	- -	5	5	5	5	5	5	4	39	108	7
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	2	2	2	4	4	3	3
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	2	5	13	8	12	29	38	33	33	9	8	2	2
Enterprise Value	13	19	30	19	21	35	42	40	37	15	-22	-88	23
Total Capital	9	12	13	17	20	37	39	36	34	- -	- -	-6	-7
Total Debt/Capital (%)	21.86	37.75	100	47.84	60.14	78.25	96.93	91.62	96.96	3,876.02	4,307.22	-31.42	-24.86
Total Debt / EV	0.16	0.24	0.43	0.41	0.58	0.83	0.88	0.82	0.88	0.57	-0.38	-0.02	0.07
EV/Sales	3.91	4.46	6.46	3.79	3.99	4.82	4.43	3.12	2.59	2.03	- -	- -	2.23
EV/EBITDA	18.88	16.12	34.81	23.01	150.2	201.35	- -	11.29	84.81	- -	- -	- -	- -
EV/EBIT	26.77	19.14	34.81	36.69	- -	- -	- -	12.72	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	7.63	25.18	- -	40.78	- -	142.08	36.12	23.59	87.79	87.65	- -	- -	37.36
EV/Free Cash Flow to Firm	7.63	25.18	- -	40.78	30.73	15.03	33.34	19.72	48.56	39.99	- -	- -	30.61
Diluted Market Cap	13	20	17	16	14	11	8	10	7	7	6	14	24
Diluted Enterprise Value	13	19	30	19	21	35	42	40	37	15	-22	-88	23
EV per Share	106.79	108.4	170.54	114.11	119.25	197.01	228.87	204.4	191.84	18.89	- -	- -	10.37
TTM Sales	3	4	5	5	5	7	10	13	14	7	9	9	10
TTM EBITDA	1	1	1	1	- -	- -	- -	4	- -	- -	- -	- -	- -
TTM Operating Income	- -	1	1	1	- -	- -	-1	3	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	1	- -	- -	- -	- -	1	2	- -	- -	-3	3	1
TTM Free Cash Flow to Firm	2	1	- -	- -	1	2	1	2	1	- -	-3	3	1

Multiples (USD)

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	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	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	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Price/Free Cash Flow	7.82	26.51	- -	34.35	20.53	4.7	6.07	5.18	9.62	19.58	-2.01	4.16	32.63
EV/EBIT	26.77	19.14	34.81	36.69	- -	- -	- -	12.72	- -	- -	- -	- -	- -
Enterprise Value	13	19	30	19	21	35	42	40	37	15	-22	-88	23
Low Price	96.8	93.11	96.39	90.23	78.81	57.87	28.7	37.04	26.1	8.25	6.8	6.9	10.5
EV/Sales	3.91	4.46	6.46	3.79	3.99	4.82	4.43	3.12	2.59	2.03	- -	- -	2.23
EV/EBITDA	18.88	16.12	34.81	23.01	150.2	201.35	- -	11.29	84.81	- -	- -	- -	- -
Price/Earnings	45.68	34.18	33.49	44.09	- -	- -	- -	5.88	- -	1.53	30.09	306.73	- -
Price/Earnings Average	44.75	32.26	38.45	46.24	-189.85	-139.47	-15.31	5.25	-7.51	1.48	37.67	265.69	-105.21
Price/Earnings High	48.05	35.92	41.51	64.34	-210.9	-163.78	-21.27	7.09	-9.29	1.7	65.41	350.55	-112.42
Price/Earnings Low	40.5	28.11	33.07	41.63	-160.17	-118.96	-9.42	4.05	-3.91	1.36	29.65	201.57	-100.46
Price/Book Value	1.8	2.59	- -	1.86	1.75	1.35	-10.88	9.46	-6.97	-0.62	-0.47	-1.24	-2.04
Price/Book Value Average	1.76	2.44	- -	1.96	2.05	1.49	-12.18	8.46	-9.21	-0.6	-0.59	-1.07	-2.03
Price/Book Value High	1.89	2.72	- -	2.72	2.28	1.75	-16.93	11.42	-11.38	-0.69	-1.02	-1.41	-2.17
Price/Book Value Low	1.59	2.13	- -	1.76	1.73	1.27	-7.5	6.53	-4.79	-0.55	-0.46	-0.81	-1.94
Price/Tangible Book Value	0.92	1.38	1.16	1.05	0.92	0.72	0.49	0.66	0.44	0.56	0.38	0.54	0.97
Price/Tangible Book Value Average	0.9	1.31	1.33	1.1	1.08	0.79	0.54	0.59	0.58	0.55	0.48	0.47	0.96
Price/Tangible Book Value High	0.97	1.45	1.44	1.53	1.2	0.93	0.76	0.8	0.71	0.63	0.84	0.61	1.03
Price/Tangible Book Value Low	0.82	1.14	1.14	0.99	0.91	0.67	0.33	0.46	0.3	0.5	0.38	0.35	0.92
Price/Sales	4	4.66	3.7	3.17	2.66	1.51	0.81	0.82	0.51	0.99	0.63	1.64	2.38
Price/Sales Average	3.92	4.4	4.25	3.32	3.12	1.66	0.9	0.73	0.68	0.96	0.79	1.42	2.37
Price/Sales High	4.21	4.89	4.59	4.63	3.47	1.95	1.25	0.99	0.84	1.1	1.37	1.88	2.53
Price/Sales Low	3.55	3.83	3.65	2.99	2.63	1.42	0.56	0.56	0.35	0.89	0.62	1.08	2.26
Price/Cash Flow	7.8	26.3	- -	34.16	-47.34	44.4	6.58	6.2	17.39	42.92	-1.88	4.26	39.82
Price/Cash Flow Average	7.64	24.82	- -	35.82	-55.51	48.93	7.36	5.54	22.96	41.61	-2.36	3.69	39.63
Price/Cash Flow High	8.2	27.63	- -	49.84	-61.66	57.45	10.23	7.48	28.39	47.56	-4.09	4.87	42.34
Price/Cash Flow Low	6.91	21.63	- -	32.25	-46.83	41.73	4.53	4.28	11.94	38.28	-1.85	2.8	37.84
Price/Free Cash Flow Average	7.66	25.02	- -	36.02	24.07	5.17	6.8	4.63	12.7	18.98	-2.52	3.6	32.47
Price/Free Cash Flow High	8.22	27.86	- -	50.12	26.74	6.08	9.44	6.25	15.7	21.7	-4.38	4.75	34.7
Price/Free Cash Flow Low	6.93	21.81	- -	32.43	20.31	4.41	4.18	3.57	6.61	17.46	-1.98	2.73	31
EV/Sales Average	3.83	4.2	7.01	3.94	4.45	4.97	4.53	3.03	2.75	2	- -	- -	2.22
EV/Sales High	4.12	4.7	7.35	5.24	4.79	5.26	4.88	3.28	2.91	2.13	- -	- -	2.39
EV/Sales Low	3.46	3.63	6.42	3.61	3.96	4.73	4.18	2.86	2.43	1.92	- -	- -	2.12
EV/EBITDA Average	18.49	15.17	37.76	23.95	167.51	207.76	-146.5	10.98	90.2	- -	- -	- -	- -
EV/EBITDA High	19.88	16.97	39.58	31.86	180.55	219.84	-157.88	11.91	95.44	- -	- -	- -	- -
EV/EBITDA Low	16.69	13.13	34.56	21.93	149.11	197.57	-135.25	10.37	79.55	- -	- -	- -	- -
EV/EBIT Average	26.22	18.01	37.76	38.19	-106.66	-144.85	-42.26	12.37	- -	- -	- -	- -	- -
EV/EBIT High	28.19	20.15	39.58	50.8	-114.97	-153.28	-45.55	13.42	- -	- -	- -	- -	- -
EV/EBIT Low	23.67	15.59	34.56	34.97	-94.95	-137.74	-39.02	11.69	- -	- -	- -	- -	- -
Last Price	109.18	113.2	97.62	95.57	79.67	61.57	41.67	53.7	38	9.25	6.9	10.5	11.05
High Price	114.84	118.95	121	139.45	103.77	79.67	64.81	64.81	62.04	10.25	15	12	11.75
Enterprise Value Average	12	18	33	20	24	36	43	39	40	15	-20	-90	23
Enterprise Value High	13	20	34	27	26	38	47	42	42	16	-15	-86	24
Enterprise Value Low	11	16	30	18	21	35	40	37	35	14	-22	-93	22

Shares Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	2	2
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	2
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	2
Revenue per Share	27.29	24.31	26.38	30.14	29.91	40.87	51.65	65.6	74.1	9.32	10.98	6.39	4.64
EBITDA per Share	5.66	6.73	4.9	4.96	0.79	0.98	-1.6	18.1	2.26	- -	- -	- -	- -
Operating Income per Share	3.99	5.66	4.9	3.11	-1.25	-1.4	-5.53	16.06	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.39	3.31	2.91	2.17	-0.49	-0.49	-3.05	9.14	-6.68	6.05	0.23	0.03	-0.1
Basic EPS from Cont Ops	2.39	3.31	2.91	2.17	-0.49	-0.49	-3.05	9.82	-6	6.05	0.23	0.03	-0.1
Diluted EPS, GAAP	2.38	3.28	2.89	2.16	-0.49	-0.49	-3.05	9.14	-6.68	6.05	0.23	0.03	-0.1
Diluted EPS from Cont Ops	2.38	3.28	2.89	2.16	-0.49	-0.49	-3.05	9.82	-6	6.05	0.23	0.03	-0.1
Dividend per Share	- -	- -	- -	- -	- -	0.02	- -	0.68	0.68	- -	- -	- -	- -
Cash Flow per Share	14	4.3	- -	2.8	-1.68	1.39	6.34	8.66	2.19	0.22	-3.67	2.47	0.28
Free Cash Flow per Basic Share	14	4.3	- -	2.8	-7.25	-10.34	5.81	6.97	0.42	-0.04	-3.91	2.41	0.22
Cash & Equivalents per Share	19.4	31.32	- -	28.47	29.13	28.14	25.57	27.28	25.79	5.53	49.08	78.61	2.98
Book Value per Share	60.79	43.73	- -	51.25	45.53	45.48	-3.83	5.68	-5.45	-14.89	-14.66	-8.49	-5.42
Tangible Book Value per Share	118.33	81.81	84.3	91.18	86.46	85.98	85.81	81.11	86.83	16.4	17.94	19.53	11.4

Cornerstone Financial Corporation

Profitability (USD)

Credit (USD)

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Enterprise Value (USD)

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Per Share Data Items (USD)