CIB Marine Bancshares, Inc. Financial Ratios — CIBH Stock

Profitability (USD)

	2008 Y	2009 Y	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	-3.6	1.7	-2.66	-0.99	-0.28	0.06	-0.11	0.66	4.1	0.48	0.29	1.13	0.89	0.5	0.11
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.06	-2.01	0.18	1.83	8.95	7.96	7.84	7.88	6.51	5.2	5.15	5.69	0.15	2.69	2.09
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-129.19	-238.06	-76.08	-28	-8.31	1.55	-2.91	15.07	15.32	15.51	8.37	24.84	23.87	17.06	8.27
Profit Margin (%)	-123.75	78.95	-76.08	-24.47	-8.31	1.53	-2.94	14.88	95.82	11.44	6.94	18.61	17.4	12.68	2.9
Net Income to Common Margin (%)	-123.75	78.95	-76.08	-24.47	-8.31	1.53	-2.94	14.88	95.82	11.44	6.94	18.61	17.4	12.68	2.9
Effective Tax Rate (%)	- -	- -	- -	- -	- -	1.31	- -	1.21	- -	26.24	17.15	25.1	27.1	25.69	64.93
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

API Chat

	2008 Y	2009 Y	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Total Debt	152	31	23	15	76	83	116	143	154	134	128	124	125	125	144
ST Debt	63	13	13	10	4	10	38	66	84	70	58	31	5	- -	45
LT Debt	89	18	10	5	71	73	78	77	70	64	70	93	120	125	99
Total Debt/EBITDA	515.86	-87.35	569.02	36.41	51.97	53.11	71.92	66.4	84.24	88.22	84.22	49.4	2,201.39	158.08	227.1
Net Debt/EBITDA	421.12	-0.96	-112.65	-74	44.5	47.81	66.24	61.62	76.39	79.64	78.3	37.43	1,163.07	133.18	212.11
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-14.74	-16.66	-23.01	-27.97	-30.63	-28.02	-24.73	-20.99	-16.63	-14.88	-14.9	-15.22	-14.43	-13.77	-11.57
Long-Term Debt/Equity (%)	600.3	21.25	14.54	7.79	107.9	108.43	118.29	110.98	72.14	69.76	75.13	89.24	131.27	149.55	116.08
Long-Term Debt/Capital (%)	491.66	-49.04	-16.19	-6.65	-504.2	-1,142.58	300.26	135.4	73.66	96.15	116.42	198.74	328.72	356.94	184.33
Long-Term Debt/Total Assets (%)	9.8	2.54	1.7	0.99	15.52	14.59	13.58	11.81	10.57	8.81	9.97	12.32	16.16	16.58	10.98
Total Debt/Equity (%)	1,024.61	36.1	33.11	23.02	114.47	123.24	176.99	205.91	158.9	147.2	136.69	119.13	136.72	149.55	168.97
Total Debt/Capital (%)	839.17	-83.3	-36.85	-19.67	-534.89	-1,298.61	449.26	251.22	162.25	202.88	211.8	265.32	342.36	356.94	268.33
Total Debt/Total Assets (%)	16.73	4.31	3.86	2.93	16.47	16.58	20.32	21.9	23.29	18.58	18.14	16.45	16.83	16.58	15.99
Net Debt to Equity	836.43	0.4	-6.55	-46.78	98.02	110.93	163.01	191.11	144.1	132.88	127.09	90.27	72.23	126	157.82
Net Debt/Capital (%)	-1,265.81	-0.5	5.06	25.04	-259.01	-508.82	641.41	284.55	173.34	228.19	231.35	562.67	-294.21	686.78	304.57
EBITDA	- -	- -	- -	- -	1	2	2	2	2	2	2	3	- -	1	1
EBITDA-CapEx	- -	- -	-1	- -	1	1	1	2	1	1	1	2	- -	- -	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API Chat

	2008 Y	2009 Y	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-14.74	-16.66	-23.01	-27.97	-30.63	-28.02	-24.73	-20.99	-16.63	-14.88	-14.9	-15.22	-14.43	-13.77	-11.57
Long-Term Debt/Equity (%)	600.3	21.25	14.54	7.79	107.9	108.43	118.29	110.98	72.14	69.76	75.13	89.24	131.27	149.55	116.08
Long-Term Debt/Capital (%)	491.66	-49.04	-16.19	-6.65	-504.2	-1,142.58	300.26	135.4	73.66	96.15	116.42	198.74	328.72	356.94	184.33
Long-Term Debt/Total Assets (%)	9.8	2.54	1.7	0.99	15.52	14.59	13.58	11.81	10.57	8.81	9.97	12.32	16.16	16.58	10.98
Total Debt/Equity (%)	1,024.61	36.1	33.11	23.02	114.47	123.24	176.99	205.91	158.9	147.2	136.69	119.13	136.72	149.55	168.97
Total Debt/Capital (%)	839.17	-83.3	-36.85	-19.67	-534.89	-1,298.61	449.26	251.22	162.25	202.88	211.8	265.32	342.36	356.94	268.33
Total Debt/Total Assets (%)	16.73	4.31	3.86	2.93	16.47	16.58	20.32	21.9	23.29	18.58	18.14	16.45	16.83	16.58	15.99
CFO/Total Liabilities	-0.29	-0.72	1.87	1.7	-0.24	0.56	-0.83	0.97	0.86	1.71	-0.81	-1.58	6.22	1.44	-0.11
CFO/CapEx	-7.63	-42.33	12.37	46.78	-1.42	5.86	-9.89	19.33	9.87	14.27	-7.97	-10.4	181.58	18.49	- -
Altman's Z-Score	-0.2	-0.24	-0.33	-0.39	-0.44	-0.39	-0.35	-0.27	-0.2	-0.18	-0.18	-0.14	-0.11	-0.12	-0.11

Working Capital (USD)

API Chat

	2008 Y	2009 Y	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Accounts Receivable Turnover	5.49	4.87	8.82	11.25	11.1	15.83	16.5	20.43	19.14	18.66	19.28	24.88	20.98	16.7	12.39
Days Sales Outstanding	66.49	74.91	41.37	32.45	32.89	23.05	22.12	17.87	19.07	19.56	18.93	14.67	17.4	21.86	29.45
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

	2008 Y	2009 Y	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Market Capitalization	1	2	2	3	9	8	8	20	26	28	26	20	50	42	28
- Cash & Cash Equivalents	28	30	27	45	11	8	9	10	14	13	9	30	59	20	9
+ Preferred Equity and Hybrid Capital	- -	51	51	51	51	51	51	51	51	39	37	37	19	14	14
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	152	31	23	15	76	83	116	143	154	134	128	124	125	125	144
Enterprise Value	125	53	48	24	36	46	71	91	102	69	64	45	31	39	47
Total Capital	18	-37	-62	-75	-14	-6	26	57	95	66	60	47	37	35	54
Total Debt/Capital (%)	839.17	-83.3	-36.85	-19.67	-534.89	-1,298.61	449.26	251.22	162.25	202.88	211.8	265.32	342.36	356.94	268.33
Total Debt / EV	1.21	0.57	0.47	0.61	2.12	1.83	1.64	1.57	1.51	1.93	2	2.75	4.06	3.2	3.08
EV/Sales	4.51	3.07	2.12	1.09	2.19	2.31	3.45	3.34	3.62	2.38	2.17	1.02	0.81	1.33	1.54
EV/EBITDA	426.11	- -	1,201.02	59.65	24.5	29.05	43.96	42.38	55.62	45.73	42.09	17.93	541.67	49.33	73.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	4.93	3.24	- -	18.84	- -	16.19	21.07	6.45	- -	- -	0.76	4.03	- -
EV/Free Cash Flow to Firm	- -	- -	4.56	3.17	- -	16.1	- -	15.39	19.13	6.03	- -	- -	0.75	3.82	- -
Diluted Market Cap	1	2	2	3	9	17	8	39	52	54	45	34	70	58	38
Diluted Enterprise Value	125	53	48	24	125	143	166	223	243	214	202	165	155	177	186
EV per Share	102.5	43.92	39.75	20.04	29.56	37.67	58.71	75.6	84.17	57.23	52	35.53	24.12	29.89	35.22
TTM Sales	28	17	23	22	16	20	21	27	28	29	29	44	38	29	30
TTM EBITDA	- -	- -	- -	- -	1	2	2	2	2	2	2	3	- -	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-3	-4	10	7	-1	2	-4	6	5	11	-5	-10	41	10	-1
TTM Free Cash Flow to Firm	-2	-4	11	8	- -	3	-4	6	5	12	-4	-9	41	10	-1

Multiples (USD)

API Chat

	2008 Y	2009 Y	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Price/Free Cash Flow	-0.64	-0.46	0.15	0.43	-31.39	5.9	-2.05	6.51	9.72	4.69	-10.54	-3.71	1.7	5.71	-42.29
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	125	53	48	24	36	46	71	91	102	69	64	45	31	39	47
Low Price	0.15	- -	0.75	1.05	2.85	6.3	5.25	4.05	15	19.5	17.85	13.2	15.9	32.1	18.5
EV/Sales	4.51	3.07	2.12	1.09	2.19	2.31	3.45	3.34	3.62	2.38	2.17	1.02	0.81	1.33	1.54
EV/EBITDA	426.11	- -	1,201.02	59.65	24.5	29.05	43.96	42.38	55.62	45.73	42.09	17.93	541.67	49.33	73.68
Price/Earnings	- -	0.15	- -	- -	- -	28.09	- -	4.81	0.96	8.4	12.52	2.44	7.5	11.34	31.75
Price/Earnings Average	-0.61	0.11	-0.26	-0.41	-6.89	31.52	-15.01	3.29	0.89	8.69	17.53	2.61	5.1	12.51	38.76
Price/Earnings High	-1.79	0.41	-0.66	-0.67	-11.11	49.82	-19.18	6.46	1.04	10.85	222.99	3.35	7.64	15.31	48.45
Price/Earnings Low	-0.01	- -	-0.05	-0.23	-2.54	25.21	-10.49	1.2	0.67	7.09	10.72	2.04	3.05	11.23	27.84
Price/Book Value	-0.01	-0.02	-0.01	-0.02	-0.06	-0.06	-0.05	-0.14	-0.23	-0.26	-0.24	-0.17	-0.47	-0.41	-0.27
Price/Book Value Average	-0.16	-0.01	-0.03	-0.02	-0.07	-0.07	-0.06	-0.1	-0.22	-0.27	-0.34	-0.19	-0.32	-0.45	-0.33
Price/Book Value High	-0.46	-0.05	-0.08	-0.03	-0.11	-0.11	-0.08	-0.19	-0.26	-0.34	-4.34	-0.24	-0.47	-0.55	-0.41
Price/Book Value Low	- -	- -	-0.01	-0.01	-0.02	-0.05	-0.04	-0.04	-0.16	-0.22	-0.21	-0.15	-0.19	-0.4	-0.24
Price/Tangible Book Value	0.1	0.06	0.09	0.25	0.6	0.52	0.54	1.07	0.56	0.54	0.46	0.3	0.69	0.61	0.39
Price/Tangible Book Value Average	1.42	0.05	0.25	0.17	0.63	0.59	0.63	0.73	0.53	0.56	0.64	0.32	0.47	0.67	0.48
Price/Tangible Book Value High	4.15	0.17	0.64	0.27	1.01	0.92	0.81	1.44	0.61	0.7	8.17	0.41	0.7	0.82	0.6
Price/Tangible Book Value Low	0.01	- -	0.05	0.1	0.23	0.47	0.44	0.27	0.4	0.46	0.39	0.25	0.28	0.6	0.34
Price/Sales	0.05	0.12	0.07	0.15	0.55	0.43	0.38	0.72	0.92	0.96	0.87	0.45	1.31	1.44	0.92
Price/Sales Average	0.75	0.09	0.19	0.1	0.57	0.48	0.44	0.49	0.86	0.99	1.22	0.49	0.89	1.59	1.12
Price/Sales High	2.21	0.32	0.5	0.16	0.92	0.76	0.56	0.96	1	1.24	15.47	0.62	1.33	1.94	1.4
Price/Sales Low	0.01	- -	0.04	0.06	0.21	0.39	0.31	0.18	0.65	0.81	0.74	0.38	0.53	1.42	0.81
Price/Cash Flow	-0.56	-0.45	0.16	0.44	-9.25	3.51	-1.84	3.47	5.33	2.6	-5.19	-1.95	1.23	4.37	-30.91
Price/Cash Flow Average	-8.02	-0.34	0.45	0.3	-9.72	3.94	-2.16	2.37	4.98	2.69	-7.26	-2.09	0.84	4.82	-37.73
Price/Cash Flow High	-23.46	-1.26	1.17	0.48	-15.67	6.23	-2.75	4.66	5.82	3.36	-92.37	-2.69	1.25	5.9	-47.16
Price/Cash Flow Low	-0.07	- -	0.09	0.17	-3.59	3.15	-1.51	0.87	3.75	2.2	-4.44	-1.63	0.5	4.33	-27.1
Price/Free Cash Flow Average	-9.23	-0.35	0.42	0.29	-32.97	6.62	-2.4	4.45	9.08	4.86	-14.76	-3.98	1.16	6.29	-51.64
Price/Free Cash Flow High	-27	-1.3	1.08	0.47	-53.17	10.46	-3.06	8.74	10.61	6.07	-187.71	-5.11	1.73	7.7	-64.54
Price/Free Cash Flow Low	-0.08	- -	0.09	0.17	-12.17	5.29	-1.68	1.63	6.84	3.96	-9.03	-3.1	0.69	5.65	-37.08
EV/Sales Average	5.21	3.04	2.24	1.05	7.69	6.88	8.11	7.21	7.64	6.49	6.52	3.46	3.11	5.64	6
EV/Sales High	6.66	3.28	2.55	1.11	8.04	7.16	8.24	7.68	7.79	6.73	20.77	3.6	3.55	5.99	6.28
EV/Sales Low	4.46	2.95	2.09	1	7.33	6.78	7.98	6.9	7.43	6.3	6.05	3.36	2.75	5.47	5.68
EV/EBITDA Average	492.5	-151.02	1,272.7	57.11	85.88	86.43	103.46	91.49	117.4	124.66	126.66	60.9	2,089.48	209.65	287.81
EV/EBITDA High	630.03	-162.81	1,447.87	60.55	89.8	89.96	105.03	97.47	119.61	129.42	403.54	63.33	2,386.84	222.87	301.27
EV/EBITDA Low	421.74	-146.69	1,185.01	54.74	81.85	85.21	101.77	87.55	114.16	121.15	117.48	59.01	1,849.35	203.64	272.62
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	1.2	1.65	1.28	2.7	7.35	7.02	6.41	16.2	21.3	23.1	20.85	15.8	39.1	32.4	21.1
High Price	50.25	4.65	9.45	3	12.45	12.45	9.6	21.75	23.25	29.85	371.25	21.75	39.83	43.75	32.2
Enterprise Value Average	145	53	51	23	125	135	167	197	215	189	192	152	119	166	182
Enterprise Value High	185	57	58	25	131	141	170	210	219	197	612	158	136	176	191
Enterprise Value Low	124	51	47	22	119	134	164	189	209	184	178	148	105	161	173

	2008 Y	2009 Y	2010 Y	2011 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
Shares Outstanding	1	1	1	1	1	1	1	1	1	19	1	1	- -	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	2	1	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Revenue per Share	22.74	14.31	18.76	18.34	13.48	16.29	17.03	22.63	23.25	24.05	24.01	34.84	29.94	22.54	22.92
EBITDA per Share	0.24	-0.29	0.03	0.34	1.21	1.3	1.34	1.78	1.51	1.25	1.24	1.98	0.04	0.61	0.48
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-28.14	11.3	-14.28	-4.49	-1.12	0.25	-0.5	3.37	22.28	2.75	1.66	6.48	5.21	2.86	0.66
Basic EPS from Cont Ops	-29.64	-34.16	-14.28	-5.13	-1.12	0.25	-0.5	3.37	22.28	2.75	1.66	6.48	5.21	2.86	0.66
Diluted EPS, GAAP	-28.14	11.24	-14.28	-4.49	-1.12	0.13	-0.5	1.71	11.1	1.43	0.94	3.78	3.75	2.08	0.49
Diluted EPS from Cont Ops	-29.64	-33.98	-14.28	-5.13	-1.12	0.13	-0.5	1.71	11.1	1.43	0.94	3.78	3.75	2.08	0.49
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-2.14	-3.69	8.06	6.19	-0.79	2	-3.49	4.67	4	8.87	-4.02	-8.09	31.77	7.42	-0.68
Free Cash Flow per Basic Share	-2.42	-3.78	7.41	6.06	-1.35	1.66	-3.84	4.43	3.59	8.25	-4.52	-8.87	31.59	7.02	-0.68
Cash & Equivalents per Share	22.79	24.89	22.56	37.09	82.69	80.42	85.95	101.25	106.76	108.71	103.45	107.69	127.65	108.88	104.87
Book Value per Share	-109.3	-97.38	-112.14	-116.63	-116.62	-116.37	-116.87	-113.5	-91.06	-88.42	-85.47	-90.54	-84.04	-79.53	-78.53
Tangible Book Value per Share	12.11	27.74	14.69	10.94	12.34	13.46	11.87	15.14	37.91	42.4	45.44	52.5	56.95	53.39	53.77

CIB Marine Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)