Citizens National Bancshares of Bossier, Inc. Financial Ratios — CNBL

Profitability (USD)

	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	24.26	17.88	9.97	10.95	12.02	9.13	3.63	5.54
Return on Assets (%)	- -	1.45	1.6	0.94	0.95	1.01	0.76	0.3	0.46
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	16.78	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	614.29	484.21	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	614.29	484.21	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	120	-22.38	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	578.57	473.68	33.27	28.22	31.67	33.86	27.54	11.91	17.56
Profit Margin (%)	428.57	347.37	28.34	23.38	26.62	27.76	23.02	10.67	14.78
Net Income to Common Margin (%)	428.57	347.37	28.34	23.38	26.62	27.76	23.02	10.67	14.78
Effective Tax Rate (%)	25.93	26.67	14.81	17.16	15.94	18.02	16.42	10.34	15.84
Dvd Payout Ratio (%)	21.67	21.21	26.92	46.1	39.76	45.78	56.42	137.31	44.71
Sustainable Growth Rate (%)	- -	19.12	13.07	5.38	6.59	6.52	3.98	-1.36	3.06

Credit (USD)

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	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	- -	- -	- -	5	164	77	68
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	5	164	77	68
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.15	6.69	10	8.97	8.44	8.44	8.28	8.47	8.29
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	5.55	148.68	71.03	55.14
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	4.14	55.31	36.92	33.67
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.36	10.25	4.96	4.21
Total Debt/Equity (%)	- -	- -	- -	- -	- -	5.55	148.68	71.03	55.14
Total Debt/Capital (%)	- -	- -	- -	- -	- -	4.14	55.31	36.92	33.67
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.36	10.25	4.96	4.21
Net Debt to Equity	-42.06	-47.2	-78.73	-205.31	-153.88	-72.09	-70.54	-85.75	-155.32
Net Debt/Capital (%)	-178.75	-214.71	-914.13	172.21	244.25	-116.34	-35.57	-80.41	-1,831.2
EBITDA	9	9	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	8	8	-3	-1	-3	-1	-1	-3	-1
Operating Income (Loss)	9	9	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1994 Y	1995 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	5.15	6.69	10	8.97	8.44	8.44	8.28	8.47	8.29
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	5.55	148.68	71.03	55.14
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	4.14	55.31	36.92	33.67
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.36	10.25	4.96	4.21
Total Debt/Equity (%)	- -	- -	- -	- -	- -	5.55	148.68	71.03	55.14
Total Debt/Capital (%)	- -	- -	- -	- -	- -	4.14	55.31	36.92	33.67
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.36	10.25	4.96	4.21
CFO/Total Liabilities	1.73	1.98	1.69	0.91	1.39	1.09	0.87	0.46	0.79
CFO/CapEx	8.62	6.62	6.1	10.72	6.61	15.24	9.37	2.18	9.96
Altman's Z-Score	0.14	0.16	0.14	0.19	0.17	0.19	0.19	0.19	0.12

Working Capital (USD)

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	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	0.46	20.01	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	797.24	18.24	- -	- -	- -	- -	- -	- -
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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	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	111	113	152	164	164	- -
- Cash & Cash Equivalents	14	22	94	262	196	69	78	92	192
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	5	164	77	68
Enterprise Value	-221	-242	-94	-151	-84	88	250	148	-124
Total Capital	22	32	104	110	116	129	297	207	203
Total Debt/Capital (%)	- -	- -	- -	- -	- -	4.14	55.31	36.92	33.67
Total Debt / EV	- -	- -	- -	- -	- -	0.06	0.66	0.52	-0.55
EV/Sales	- -	- -	- -	- -	- -	1.7	4.93	3.31	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	5.89	19.33	22.33	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	5.52	17.47	15.3	- -
Diluted Market Cap	- -	- -	- -	111	113	152	164	164	- -
Diluted Enterprise Value	-14	-22	-94	-151	-84	88	250	148	-124
EV per Share	- -	- -	- -	- -	- -	13.37	38.13	22.58	- -
TTM Sales	1	2	43	46	46	52	51	45	50
TTM EBITDA	9	9	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	9	9	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	9	16	10	17	15	13	7	12
TTM Free Cash Flow to Firm	8	10	18	11	20	16	14	10	13

Multiples (USD)

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	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	10.1	5.66	9.54	11.45	16.94	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-221	-242	-94	-151	-84	88	250	148	-124
Low Price	- -	- -	21	16	17.95	19.5	23.5	22.06	- -
EV/Sales	- -	- -	- -	- -	- -	1.7	4.93	3.31	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	10.38	9.11	10.57	14.04	34.31	- -
Price/Earnings Average	- -	- -	- -	10.49	8.69	9.44	13.55	32.82	- -
Price/Earnings High	- -	- -	- -	15.34	11.74	11.45	14.6	35.76	- -
Price/Earnings Low	- -	- -	- -	9.82	9.58	8.93	13.19	30.27	- -
Price/Book Value	- -	- -	- -	1.01	0.97	1.23	1.24	1.25	- -
Price/Book Value Average	- -	- -	- -	1.02	0.93	1.1	1.2	1.2	- -
Price/Book Value High	- -	- -	- -	1.49	1.25	1.33	1.29	1.31	- -
Price/Book Value Low	- -	- -	- -	0.95	1.02	1.04	1.16	1.11	- -
Price/Tangible Book Value	- -	- -	- -	0.91	0.92	1.68	1.56	1.6	- -
Price/Tangible Book Value Average	- -	- -	- -	0.92	0.88	1.5	1.51	1.53	- -
Price/Tangible Book Value High	- -	- -	- -	1.34	1.19	1.82	1.63	1.67	- -
Price/Tangible Book Value Low	- -	- -	- -	0.86	0.97	1.42	1.47	1.41	- -
Price/Sales	- -	- -	- -	2.43	2.43	2.93	3.23	3.66	- -
Price/Sales Average	- -	- -	- -	2.45	2.31	2.62	3.12	3.5	- -
Price/Sales High	- -	- -	- -	3.59	3.13	3.18	3.36	3.82	- -
Price/Sales Low	- -	- -	- -	2.3	2.55	2.48	3.04	3.23	- -
Price/Cash Flow	- -	- -	- -	11.05	6.52	10.16	12.67	24.72	- -
Price/Cash Flow Average	- -	- -	- -	11.17	6.21	9.07	12.23	23.65	- -
Price/Cash Flow High	- -	- -	- -	16.33	8.4	11.01	13.18	25.77	- -
Price/Cash Flow Low	- -	- -	- -	10.45	6.85	8.59	11.91	21.82	- -
Price/Free Cash Flow Average	- -	- -	- -	10.22	5.4	8.51	11.05	16.2	- -
Price/Free Cash Flow High	- -	- -	- -	14.94	7.29	10.33	11.91	17.66	- -
Price/Free Cash Flow Low	- -	- -	- -	9.56	5.95	8.06	10.76	14.95	- -
EV/Sales Average	- -	- -	- -	- -	- -	1.39	4.82	3.15	- -
EV/Sales High	- -	- -	- -	- -	- -	1.94	5.06	3.46	- -
EV/Sales Low	- -	- -	- -	- -	- -	1.25	4.73	2.88	- -
EV/EBITDA Average	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-1.66	-2.38	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	20.5	16.91	17.08	23.08	25	25	- -
High Price	- -	- -	27	25	22	25	26	26.06	- -
Enterprise Value Average	-14	-22	-94	-150	-89	72	245	141	-124
Enterprise Value High	-14	-22	-94	-98	-51	101	257	155	-124
Enterprise Value Low	-14	-22	-94	-157	-78	65	241	129	-124

	1994 Y	1995 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	9	9	7	7	7	7	7	7	7
Diluted Weighted Avg Shares	9	9	- -	7	7	7	7	7	7
Basic Weighted Avg Shares	9	9	- -	7	7	7	7	7	7
Revenue per Share	0.15	0.21	- -	6.97	7.04	7.86	7.74	6.83	7.6
EBITDA per Share	0.94	1	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.94	1	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.66	0.72	- -	1.63	1.87	2.18	1.78	0.73	1.12
Basic EPS from Cont Ops	0.66	0.72	- -	1.63	1.87	2.18	1.78	0.73	1.12
Diluted EPS, GAAP	0.66	0.72	- -	1.63	1.87	2.18	1.78	0.73	1.12
Diluted EPS from Cont Ops	0.66	0.72	- -	1.63	1.87	2.18	1.78	0.73	1.12
Dividend per Share	0.14	0.15	- -	0.75	0.75	1	1	1	0.5
Cash Flow per Share	0.76	0.94	- -	1.53	2.62	2.27	1.97	1.01	1.82
Free Cash Flow per Basic Share	0.67	0.8	- -	1.39	2.22	2.12	1.76	0.55	1.64
Cash & Equivalents per Share	24.2	26.41	- -	40.01	29.76	10.52	11.85	14.08	29.41
Book Value per Share	2.44	3.5	- -	16.78	17.58	18.75	20.19	19.92	20.57
Tangible Book Value per Share	3.73	5.06	- -	18.64	18.51	13.77	15.99	15.6	18.13

Citizens National Bancshares of Bossier, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)