CNB Community Bancorp, Inc. Financial Ratios — CNBB Stock

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	15.72	15.02	14.72	14.8	14.06	11.08	11.39	11.17
Return on Assets (%)	- -	1.32	1.31	1.21	1.1	1.05	0.88	0.92	0.92
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.89	1.91	1.68	1.95	2.35	3.1	3.03	2.58	2.5
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	29.79	33.27	33.35	30.43	31.71	32.77	28.16	28.19	27.15
Profit Margin (%)	21.01	26.98	26.32	24.25	25.23	26.25	22.59	22.67	21.78
Net Income to Common Margin (%)	21.01	26.98	26.32	24.25	25.23	26.25	22.59	22.67	21.78
Effective Tax Rate (%)	29.49	18.89	21.09	20.31	20.41	19.9	19.79	19.59	19.78
Dvd Payout Ratio (%)	31.76	26.37	28.16	26.41	24.28	23.43	28.14	25.59	24.78
Sustainable Growth Rate (%)	- -	11.57	10.79	10.83	11.21	10.76	7.96	8.48	8.4

Credit (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	25	24	18	21	17	7	55	72	83
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	25	24	18	21	17	7	55	72	83
Total Debt/EBITDA	45.88	39.8	30.3	26.12	15.94	4.59	38.77	54.66	60.48
Net Debt/EBITDA	-72.53	-50.95	-75.04	-97.22	-219.24	-78.7	-13.05	0.15	48.85
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.12	8.66	8.77	7.74	7.13	7.87	8.02	8.09	8.38
Long-Term Debt/Equity (%)	49.9	42.24	27.87	29.54	20.99	7.51	57.76	72.35	77
Long-Term Debt/Capital (%)	33.09	29.4	21.54	22.65	17.15	6.73	35.6	41.05	42.86
Long-Term Debt/Total Assets (%)	4.02	3.61	2.41	2.27	1.48	0.57	4.43	5.63	6.29
Total Debt/Equity (%)	49.9	42.24	27.87	29.54	20.99	7.51	57.76	72.35	77
Total Debt/Capital (%)	33.09	29.4	21.54	22.65	17.15	6.73	35.6	41.05	42.86
Total Debt/Total Assets (%)	4.02	3.61	2.41	2.27	1.48	0.57	4.43	5.63	6.29
Net Debt to Equity	-78.88	-54.07	-69.01	-109.94	-288.56	-128.77	-19.44	0.2	62.2
Net Debt/Capital (%)	-358.15	-114.15	-212.26	1,213.34	154.17	521.43	-22.85	0.19	37.73
EBITDA	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	- -	- -	- -	-2	-2	- -	-1	-1	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.12	8.66	8.77	7.74	7.13	7.87	8.02	8.09	8.38
Long-Term Debt/Equity (%)	49.9	42.24	27.87	29.54	20.99	7.51	57.76	72.35	77
Long-Term Debt/Capital (%)	33.09	29.4	21.54	22.65	17.15	6.73	35.6	41.05	42.86
Long-Term Debt/Total Assets (%)	4.02	3.61	2.41	2.27	1.48	0.57	4.43	5.63	6.29
Total Debt/Equity (%)	49.9	42.24	27.87	29.54	20.99	7.51	57.76	72.35	77
Total Debt/Capital (%)	33.09	29.4	21.54	22.65	17.15	6.73	35.6	41.05	42.86
Total Debt/Total Assets (%)	4.02	3.61	2.41	2.27	1.48	0.57	4.43	5.63	6.29
CFO/Total Liabilities	2.08	1.67	0.63	-0.21	3.55	1.29	1.19	1.07	1.48
CFO/CapEx	11.47	10.49	3.93	-0.69	10.71	7.3	5.71	6.15	11.15
Altman's Z-Score	0.18	0.21	0.22	0.18	0.18	0.18	0.17	0.19	0.19

Working Capital (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	16.51	15.4	13.31	14.17	14.56	10.72	10.42	10.73
Days Sales Outstanding	- -	22.11	23.7	27.43	25.76	25.08	34.04	35.04	34.02
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

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	49	67	82	74	98	92	77	91	91
- Cash & Cash Equivalents	64	54	62	100	250	120	74	72	16
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	25	24	18	21	17	7	55	72	83
Enterprise Value	-2	25	22	-23	-160	-44	-9	18	24
Total Capital	75	81	82	94	99	98	155	176	194
Total Debt/Capital (%)	33.09	29.4	21.54	22.65	17.15	6.73	35.6	41.05	42.86
Total Debt / EV	-14.53	0.96	0.79	-0.91	-0.11	-0.15	-5.86	4.02	3.5
EV/Sales	- -	0.79	0.64	- -	- -	- -	- -	0.35	0.43
EV/EBITDA	- -	41.44	38.15	- -	- -	- -	- -	13.58	17.26
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	2.46	5.31	- -	- -	- -	- -	1.41	1.32
EV/Free Cash Flow to Firm	- -	2.25	4.23	- -	- -	- -	- -	1.22	1.21
Diluted Market Cap	49	67	82	74	99	92	77	91	91
Diluted Enterprise Value	9	36	38	-5	-134	-21	58	91	159
EV per Share	- -	11.92	10.66	- -	- -	- -	34.23	8.38	11.65
TTM Sales	29	31	35	42	45	47	47	51	55
TTM EBITDA	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	12	10	4	-2	38	14	14	13	18
TTM Free Cash Flow to Firm	13	11	5	1	41	16	16	15	20

Multiples (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	3.77	6.03	15.53	91.56	2.38	5.86	4.77	6.2	4.67
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-2	25	22	-23	-160	-44	-9	18	24
Low Price	23	25.75	30	28	34	33.88	32.51	33	39.03
EV/Sales	- -	0.79	0.64	- -	- -	- -	- -	0.35	0.43
EV/EBITDA	- -	41.44	38.15	- -	- -	- -	- -	13.58	17.26
Price/Earnings	8.06	7.88	8.95	7.33	8.58	7.57	7.23	7.88	7.65
Price/Earnings Average	8.02	7.84	8.41	7	7.7	7.27	7.63	6.7	7.17
Price/Earnings High	8.06	9.23	12.58	8.59	8.58	8.8	8.55	8.03	7.71
Price/Earnings Low	7.86	6.34	6.86	5.87	6.34	5.96	6.62	6.09	6.63
Price/Book Value	0.97	1.16	1.27	1.02	1.2	1.01	0.77	0.88	0.83
Price/Book Value Average	0.96	1.16	1.19	0.97	1.08	0.97	0.81	0.75	0.78
Price/Book Value High	0.97	1.36	1.78	1.2	1.2	1.17	0.91	0.9	0.83
Price/Book Value Low	0.94	0.94	0.97	0.82	0.88	0.79	0.7	0.68	0.72
Price/Tangible Book Value	1.03	1.24	1.34	1.07	1.25	1.08	0.83	0.94	0.87
Price/Tangible Book Value Average	1.02	1.23	1.26	1.02	1.13	1.04	0.87	0.8	0.82
Price/Tangible Book Value High	1.03	1.45	1.89	1.25	1.25	1.26	0.98	0.96	0.88
Price/Tangible Book Value Low	1	1	1.03	0.85	0.93	0.85	0.76	0.73	0.75
Price/Sales	1.69	2.12	2.36	1.78	2.16	1.99	1.63	1.79	1.67
Price/Sales Average	1.68	2.11	2.21	1.7	1.94	1.91	1.72	1.52	1.56
Price/Sales High	1.69	2.49	3.31	2.08	2.16	2.31	1.93	1.82	1.68
Price/Sales Low	1.65	1.71	1.81	1.42	1.6	1.57	1.5	1.38	1.44
Price/Cash Flow	4.1	6.61	19.48	-40.68	2.58	6.66	5.61	7.2	5.09
Price/Cash Flow Average	4.08	6.58	18.31	-38.82	2.32	6.4	5.92	6.13	4.77
Price/Cash Flow High	4.1	7.74	27.37	-47.65	2.58	7.75	6.64	7.34	5.12
Price/Cash Flow Low	4	5.32	14.93	-32.54	1.91	5.25	5.14	5.57	4.41
Price/Free Cash Flow Average	3.75	6	14.6	87.39	2.14	5.63	5.04	5.27	4.38
Price/Free Cash Flow High	3.77	7.07	21.82	107.26	2.38	6.81	5.65	6.31	4.7
Price/Free Cash Flow Low	3.68	4.85	11.9	73.25	1.76	4.62	4.37	4.79	4.05
EV/Sales Average	0.31	1.14	0.95	- -	- -	- -	1.33	1.52	2.78
EV/Sales High	0.32	1.52	2.05	0.18	- -	- -	1.54	1.82	2.9
EV/Sales Low	0.28	0.74	0.54	- -	- -	- -	1.1	1.38	2.67
EV/EBITDA Average	16.62	59.74	56.6	-10.37	-136.42	-17.14	43.78	59.03	111.39
EV/EBITDA High	17.1	79.38	121.75	9.39	-127.05	-4.2	50.71	70.65	116.03
EV/EBITDA Low	14.82	38.54	32.3	-24.41	-151.1	-28.22	36.3	53.65	106.68
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	23.6	32	39.15	35	46	43	35.5	42.7	45
High Price	23.6	37.5	55	41	46	50	42	43.49	45.34
Enterprise Value Average	9	36	33	-8	-145	-25	62	78	153
Enterprise Value High	9	48	71	8	-135	-6	72	93	159
Enterprise Value Low	8	23	19	-20	-161	-41	52	71	146

Shares Outstanding	- -	- -	- -	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2
Revenue per Share	13.93	15.06	16.61	19.69	21.26	21.65	21.74	23.9	27.01
EBITDA per Share	0.26	0.29	0.28	0.38	0.5	0.67	0.66	0.62	0.67
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.93	4.06	4.37	4.77	5.36	5.68	4.91	5.42	5.88
Basic EPS from Cont Ops	2.93	4.06	4.37	4.77	5.36	5.68	4.91	5.42	5.88
Diluted EPS, GAAP	2.93	4.06	4.37	4.77	5.32	5.68	4.91	5.42	5.88
Diluted EPS from Cont Ops	2.93	4.06	4.37	4.77	5.32	5.68	4.91	5.42	5.88
Dividend per Share	0.93	1.07	1.23	1.26	1.3	1.33	1.38	1.39	1.46
Cash Flow per Share	5.76	4.84	2.01	-0.86	17.8	6.45	6.33	5.93	8.85
Free Cash Flow per Basic Share	5.25	4.38	1.5	-2.1	16.14	5.57	5.22	4.96	8.05
Cash & Equivalents per Share	36.51	31.53	36.96	56.04	129.02	66.66	65.4	68.04	74.17
Book Value per Share	24.43	27.5	30.85	34.31	38.44	42.69	46.21	48.42	54.41
Tangible Book Value per Share	22.96	25.87	29.15	32.79	36.7	39.82	43.02	45.39	51.74

CNB Community Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)