Cornerstone Bancorp Inc. Financial Ratios — CNBP Stock

Profitability (USD)

	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	38.89	48.62	36.63	34.65	23.64	27.83	23.76	29.6	69.69	86.4	52.29	36.21	27.49	20.08	19.17
Return on Assets (%)	1.18	1.41	1.05	1.23	0.9	0.92	0.73	1.11	1.21	1.1	1.07	1.08	1.12	1.01	1.08
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 (%)	- -	28.89	46.4	35.71	33.3	23.77	23.14	16.19	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	400	307.15	284.45	279.96	238.42	121.13	99.81	117.08	27.74	34.69	39.1	39.05	39.04	33.56	34.16
Profit Margin (%)	233.33	181.06	169.37	169.33	144.79	75.11	61.38	79.39	20.22	24.89	27.9	27.89	27.73	25.65	25.75
Net Income to Common Margin (%)	233.33	181.06	169.37	169.33	144.79	75.11	61.38	79.39	20.22	24.89	27.9	27.89	27.73	25.65	25.75
Effective Tax Rate (%)	41.67	41.05	40.46	39.52	39.27	37.99	38.5	32.19	27.11	28.24	28.66	28.57	28.99	23.56	24.61
Dvd Payout Ratio (%)	21.43	18.73	32.19	23.11	30.33	28.3	34.33	23.16	484.98	- -	- -	- -	- -	25.18	22.73
Sustainable Growth Rate (%)	30.56	39.52	24.84	26.64	16.47	19.96	15.6	22.75	-268.31	86.4	52.29	36.21	27.49	15.02	14.82

Credit (USD)

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	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	2	4	9	8	6	5	10	19	30	28	23	18	18	10
ST Debt	- -	2	4	9	8	6	5	10	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	19	30	28	23	18	18	10
Total Debt/EBITDA	- -	7.35	9.42	22.77	23.31	9.94	7.52	20.32	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	-83.99	-20.4	-8.27	-47.12	-49.45	-96.5	-14.84	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.35	2.51	3.2	3.88	3.78	2.93	3.22	4.31	0.87	1.56	2.49	3.46	4.69	5.35	5.87
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	49.49	63.37	49.37	37.6	24.67	22.31	11.24
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	77.36	68.42	54.22	40.29	28.67	25.7	14.54
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	2.97	3.37	2.95	2.33	1.88	1.85	1
Total Debt/Equity (%)	- -	14.66	24.19	51.63	44.82	29.59	22.16	44.45	49.49	63.37	49.37	37.6	24.67	22.31	11.24
Total Debt/Capital (%)	- -	38.52	45.78	59.5	53.96	47.93	38.46	52.42	77.36	68.42	54.22	40.29	28.67	25.7	14.54
Total Debt/Total Assets (%)	- -	1.57	2.7	5.7	4.43	2.7	2.01	4.75	2.97	3.37	2.95	2.33	1.88	1.85	1
Net Debt to Equity	-115.79	-167.54	-52.39	-18.74	-90.62	-147.28	-284.52	-32.45	-154.31	-380.36	-421.3	-359.59	-272.63	-123.42	-84.63
Net Debt/Capital (%)	137.5	116.24	220.72	-114.22	172.99	127.93	114.24	-411.48	170.83	132.19	127.57	135.05	146.12	337.25	1,163.45
EBITDA	- -	- -	- -	- -	- -	1	1	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 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	3.35	2.51	3.2	3.88	3.78	2.93	3.22	4.31	0.87	1.56	2.49	3.46	4.69	5.35	5.87
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	49.49	63.37	49.37	37.6	24.67	22.31	11.24
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	77.36	68.42	54.22	40.29	28.67	25.7	14.54
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	2.97	3.37	2.95	2.33	1.88	1.85	1
Total Debt/Equity (%)	- -	14.66	24.19	51.63	44.82	29.59	22.16	44.45	49.49	63.37	49.37	37.6	24.67	22.31	11.24
Total Debt/Capital (%)	- -	38.52	45.78	59.5	53.96	47.93	38.46	52.42	77.36	68.42	54.22	40.29	28.67	25.7	14.54
Total Debt/Total Assets (%)	- -	1.57	2.7	5.7	4.43	2.7	2.01	4.75	2.97	3.37	2.95	2.33	1.88	1.85	1
CFO/Total Liabilities	1.34	1.9	1.29	1.95	0.67	-1.48	4.49	1	0.89	-1.35	2.69	1.23	1.26	0.63	1.12
CFO/CapEx	3	12.72	3.2	30.71	1.95	-6.58	16.55	3.66	14.18	-8.76	40.24	101.48	33.65	55.36	31.26
Altman's Z-Score	0.05	0.04	0.05	0.06	0.06	0.05	0.06	0.07	0.05	0.1	0.11	0.13	0.15	0.17	0.22

Working Capital (USD)

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	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	0.75	2.3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	486.67	158.7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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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	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	56	60	60	64	79	148
- Cash & Cash Equivalents	15	27	12	12	24	34	63	17	59	180	240	221	200	100	78
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	2	4	9	8	6	5	10	19	30	28	23	18	18	10
Enterprise Value	-43	-25	-8	-3	-16	-28	-58	-7	-40	-95	-152	-138	-117	-3	80
Total Capital	4	6	8	14	15	12	12	19	24	44	52	57	63	70	71
Total Debt/Capital (%)	- -	38.52	45.78	59.5	53.96	47.93	38.46	52.42	77.36	68.42	54.22	40.29	28.67	25.7	14.54
Total Debt / EV	- -	-0.09	-0.46	-2.75	-0.49	-0.2	-0.08	-1.37	-0.47	-0.32	-0.18	-0.17	-0.15	-5.42	0.13
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.91
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.62
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.38
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	56	60	60	64	79	148
Diluted Enterprise Value	-15	-25	-8	-3	-16	-28	-58	-7	-40	-95	-152	-138	-117	-3	80
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	81.6
TTM Sales	1	1	1	1	1	2	3	3	25	34	35	38	39	38	42
TTM EBITDA	- -	- -	- -	- -	- -	1	1	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	2	2	3	1	-3	9	2	5	-11	24	11	11	6	11
TTM Free Cash Flow to Firm	2	3	2	3	2	-2	10	2	6	-10	25	12	11	6	11

Multiples (USD)

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	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	-5.52	2.41	5.19	5.6	13.75	13.58
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-43	-25	-8	-3	-16	-28	-58	-7	-40	-95	-152	-138	-117	-3	80
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	64.1	52.51	60	63.1	64.1	69	80.6
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.91
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.66	6.06	5.7	5.9	8.05	13.64
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.48	5.91	5.68	5.68	7.2	8.73
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.72	6.47	6.15	6.36	8.3	13.66
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.23	6.07	5.98	5.82	6.93	7.33
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.02	2.51	1.75	1.43	1.5	2.43
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.91	2.45	1.74	1.38	1.34	1.56
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.66	2.68	1.88	1.54	1.55	2.44
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.76	2.52	1.83	1.41	1.29	1.31
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.18	1.05	0.97	0.88	0.97	1.61
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.14	1.02	0.97	0.84	0.87	1.03
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.36	1.12	1.05	0.94	1	1.61
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.1	1.05	1.02	0.86	0.84	0.86
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.66	1.69	1.59	1.64	2.07	3.51
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.61	1.65	1.58	1.58	1.85	2.25
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.92	1.81	1.71	1.76	2.13	3.52
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.55	1.69	1.67	1.61	1.78	1.89
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	-4.89	2.47	5.24	5.77	14	14.01
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-4.75	2.42	5.21	5.55	12.52	8.97
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-5.66	2.65	5.64	6.21	14.43	14.03
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-4.57	2.48	5.5	5.69	12.06	7.53
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-5.36	2.36	5.16	5.39	12.29	8.69
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-6.39	2.58	5.59	6.03	14.17	13.6
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-5.16	2.42	5.44	5.52	11.84	7.29
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.65
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.92
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.29
EV/EBITDA Average	- -	-83.99	-20.4	-8.27	-47.12	-49.45	-96.5	-14.84	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	-83.99	-20.4	-8.27	-47.12	-49.45	-96.5	-14.84	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	-83.99	-20.4	-8.27	-47.12	-49.45	-96.5	-14.84	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	59.95	56.12	59.86	60.14	65	80.12	150
High Price	- -	- -	- -	- -	- -	- -	- -	- -	64.1	65	64	64.8	70	82.59	150.25
Enterprise Value Average	-15	-25	-8	-3	-16	-28	-58	-7	-40	-96	-153	-138	-120	-12	27
Enterprise Value High	-15	-25	-8	-3	-16	-28	-58	-7	-40	-86	-148	-133	-112	-1	81
Enterprise Value Low	-15	-25	-8	-3	-16	-28	-58	-7	-40	-98	-152	-135	-118	-14	12

	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	- -	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	- -	1	1	1	1	1	1
Revenue per Share	0.46	0.93	0.77	0.97	0.88	2.04	2.17	2.52	- -	33.85	35.43	37.8	39.71	38.8	42.72
EBITDA per Share	- -	0.27	0.36	0.35	0.29	0.48	0.5	0.41	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.07	1.68	1.3	1.65	1.27	1.53	1.33	2	- -	8.42	9.88	10.54	11.01	9.95	11
Basic EPS from Cont Ops	1.07	1.68	1.3	1.65	1.27	1.53	1.33	2	- -	8.42	9.88	10.54	11.01	9.95	11
Diluted EPS, GAAP	1.04	1.6	1.26	1.62	1.24	1.48	1.28	1.88	- -	8.42	9.88	10.54	11.01	9.95	11
Diluted EPS from Cont Ops	1.04	1.6	1.26	1.62	1.24	1.48	1.28	1.88	- -	8.42	9.88	10.54	11.01	9.95	11
Dividend per Share	0.23	0.31	0.42	0.38	0.39	0.43	0.46	0.46	- -	- -	- -	- -	- -	2.51	2.5
Cash Flow per Share	1.14	2.12	1.43	2.42	0.93	-2.4	7.65	1.56	- -	-11.49	24.19	11.48	11.27	5.72	10.71
Free Cash Flow per Basic Share	0.76	1.95	0.98	2.34	0.45	-2.77	7.19	1.13	- -	-12.8	23.59	11.37	10.94	5.62	10.36
Cash & Equivalents per Share	32.53	24.48	10.62	10.8	20.57	28.75	52.16	14.34	- -	181.52	241	221.97	202.1	101.95	78.88
Book Value per Share	3.2	3.14	3.97	5.39	5.81	5.23	6.03	7.52	- -	13.96	23.85	34.39	45.5	53.29	61.62
Tangible Book Value per Share	10.13	13.44	13.87	15.35	15.19	16.26	17.01	18.65	- -	47.72	57.2	61.73	74.13	82.6	93.21

Cornerstone Bancorp Inc.

Profitability (USD)

Credit (USD)

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Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)