Chesapeake Financial Shares, Inc. Financial Ratios — CPKF

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	15.32	15.01	12.98	10.57	11.08	9.78	11.59	12.81	13.55	14	15.91	16.37	8.54	9.04	7.46
Return on Assets (%)	1.12	1.18	1.11	0.99	1.1	1	1.19	1.32	1.26	1.09	1.16	1.3	0.72	0.76	0.63
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	8.13	7.9	7.38	7.56	6.74	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.54	32.32	29.26	26.83	28.09	24.95	4.1	3.83	3.3	2.89	2.66	2.88	3.65	3.42	3.24
Operating Margin (%)	- -	27.36	24.7	22.16	23.69	20.71	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	396.52	610.07	-34.93	62.29	42.45	-35.29	-177.25	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26.22	27.36	24.7	22.16	23.69	20.71	25.77	26.83	27.13	26.41	29.02	31.34	19.83	19.8	16.67
Profit Margin (%)	20.61	21.65	19.85	18.83	19.74	17.79	20.28	23.8	23.25	22.49	25.16	27.01	16.26	16.92	14.26
Net Income to Common Margin (%)	20.61	21.65	19.85	18.83	19.74	17.79	20.28	23.8	23.25	22.49	25.16	27.01	16.26	16.92	14.26
Effective Tax Rate (%)	21.38	20.87	19.63	15.02	16.67	14.13	21.28	11.3	14.32	14.83	13.3	13.81	18.02	14.57	14.44
Dvd Payout Ratio (%)	18.54	19.33	22.7	27.41	25.16	28.06	23.09	20.79	21.09	20.77	16.99	15.52	28.13	25.8	30.62
Sustainable Growth Rate (%)	12.48	12.11	10.03	7.67	8.29	7.03	8.92	10.15	10.69	11.09	13.21	13.83	6.14	6.71	5.17

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	40	39	26	21	31	26	15	5	5	55	124	71	88	31	63
ST Debt	- -	- -	- -	- -	16	11	10	- -	- -	50	99	46	62	6	13
LT Debt	40	39	26	21	15	15	5	5	5	5	25	25	25	25	50
Total Debt/EBITDA	25.82	3.42	2.4	2.22	2.96	2.65	8.39	2.96	3.19	36.53	78.18	37.91	38.6	13.55	27.59
Net Debt/EBITDA	-8.77	-3.17	-4.95	-2.49	-0.75	-1.3	-18.65	-43.78	-43.89	-20.78	48.49	9.32	8.11	-9.76	-4.65
Total Debt/EBIT	- -	4.04	2.84	2.69	3.51	3.19	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-3.75	-5.86	-3.01	-0.89	-1.57	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.6	8.06	8.97	9.67	10.24	10.29	10.21	10.37	8.3	7.33	7.24	8.66	8.29	8.57	8.24
Long-Term Debt/Equity (%)	77.5	64.32	42.04	29.32	20.28	19.55	5.94	5.56	4.89	4.2	19.94	31.81	25.53	22.51	37.63
Long-Term Debt/Capital (%)	45.01	42.14	30.41	24.4	15.29	15.19	5.41	5.49	6.09	3.59	11.2	13.51	12	15.53	25.04
Long-Term Debt/Total Assets (%)	6.22	5.87	3.92	3.12	2.27	2.11	0.66	0.6	0.54	0.43	1.82	1.89	1.71	1.65	3
Total Debt/Equity (%)	77.5	64.32	42.04	29.32	41.08	33.51	17.47	5.56	4.89	44.96	98.47	89.97	88.88	27.98	47.08
Total Debt/Capital (%)	45.01	42.14	30.41	24.4	30.98	26.03	15.9	5.49	6.09	38.44	55.32	38.19	41.8	19.3	31.33
Total Debt/Total Assets (%)	6.22	5.87	3.92	3.12	4.6	3.62	1.93	0.6	0.54	4.58	8.96	5.35	5.95	2.05	3.76
Net Debt to Equity	-26.34	-59.67	-86.72	-32.79	-10.45	-16.5	-38.85	-82.18	-67.29	-25.58	61.07	22.13	18.67	-20.16	-7.93
Net Debt/Capital (%)	-38.53	-208.2	-912.51	-56.46	-12.89	-20.96	-72.5	-610.95	-824.92	-55.08	43.44	13.19	13.11	-20.81	-8.33
EBITDA	2	11	11	9	11	10	2	2	2	2	2	2	2	2	2
EBITDA-CapEx	2	11	11	9	11	10	1	1	- -	-3	-2	-1	2	2	- -
Operating Income (Loss)	- -	10	9	8	9	8	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 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	7.6	8.06	8.97	9.67	10.24	10.29	10.21	10.37	8.3	7.33	7.24	8.66	8.29	8.57	8.24
Long-Term Debt/Equity (%)	77.5	64.32	42.04	29.32	20.28	19.55	5.94	5.56	4.89	4.2	19.94	31.81	25.53	22.51	37.63
Long-Term Debt/Capital (%)	45.01	42.14	30.41	24.4	15.29	15.19	5.41	5.49	6.09	3.59	11.2	13.51	12	15.53	25.04
Long-Term Debt/Total Assets (%)	6.22	5.87	3.92	3.12	2.27	2.11	0.66	0.6	0.54	0.43	1.82	1.89	1.71	1.65	3
Total Debt/Equity (%)	77.5	64.32	42.04	29.32	41.08	33.51	17.47	5.56	4.89	44.96	98.47	89.97	88.88	27.98	47.08
Total Debt/Capital (%)	45.01	42.14	30.41	24.4	30.98	26.03	15.9	5.49	6.09	38.44	55.32	38.19	41.8	19.3	31.33
Total Debt/Total Assets (%)	6.22	5.87	3.92	3.12	4.6	3.62	1.93	0.6	0.54	4.58	8.96	5.35	5.95	2.05	3.76
CFO/Total Liabilities	1.88	1.61	2.35	3.19	1.08	1.77	1.94	1.96	1.37	0.82	2.04	2.25	0.89	1.4	1.1
CFO/CapEx	- -	- -	- -	- -	- -	- -	27.43	21.97	6.09	1.94	7.32	9.74	87.78	27.11	8.19
Altman's Z-Score	0.16	0.23	0.25	0.25	0.27	0.28	0.27	0.24	0.21	0.18	0.19	0.19	0.17	0.18	0.14

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	11.92	12.25	13.26	12.26	13.25	13.63	13.9	13.28	13.74	10.62	9.54	10.78	10.07	10.54	11.89
Days Sales Outstanding	30.61	29.79	27.53	29.78	27.54	26.78	26.25	27.48	26.57	34.37	38.28	33.87	36.25	34.63	30.69
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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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	36	54	58	61	69	87	121	100	118	105	146	96	86	91	- -
- Cash & Cash Equivalents	53	76	80	44	39	39	49	81	76	87	47	54	69	54	73
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	40	39	26	21	31	26	15	5	5	55	124	71	88	31	63
Enterprise Value	-165	-162	-160	-152	-125	-111	-115	-195	-246	-381	-378	-333	-378	-431	-45
Total Capital	88	93	85	85	101	100	95	94	85	143	225	186	210	162	200
Total Debt/Capital (%)	45.01	42.14	30.41	24.4	30.98	26.03	15.9	5.49	6.09	38.44	55.32	38.19	41.8	19.3	31.33
Total Debt / EV	-0.24	-0.24	-0.16	-0.14	-0.25	-0.23	-0.13	-0.03	-0.02	-0.14	-0.33	-0.21	-0.23	-0.07	-1.41
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	36	56	60	62	71	89	124	102	119	105	146	97	86	91	- -
Diluted Enterprise Value	23	19	6	39	63	76	90	26	48	74	223	114	105	69	-11
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	34	35	37	35	38	40	44	45	49	52	60	65	62	68	70
TTM EBITDA	2	11	11	9	11	10	2	2	2	2	2	2	2	2	2
TTM Operating Income	- -	10	9	8	9	8	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	11	10	14	19	7	11	14	15	12	9	26	28	12	20	17
TTM Free Cash Flow to Firm	11	10	14	19	7	11	14	16	14	13	29	31	12	21	19

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	3.3	5.67	4.24	3.3	10.84	7.81	8.81	6.53	8.78	7.83	5	3.11	6.96	4.43	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-165	-162	-160	-152	-125	-111	-115	-195	-246	-381	-378	-333	-378	-431	-45
Low Price	7.5	7.72	11.64	11.7	12.87	14.28	16.75	19.04	21.25	14.5	21.5	19.15	16.25	16.45	18.1
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	5.17	7.1	7.91	9.34	9.36	12.36	13.57	9.28	10.38	8.93	9.7	5.47	8.51	7.97	- -
Price/Earnings Average	5.47	6.09	7.9	9.07	8.86	11.2	11.57	11.22	9.75	8.4	8.61	7.03	9.2	7.55	- -
Price/Earnings High	6.51	8.09	8.79	10.06	10.2	13.02	13.57	12.19	11.46	10.37	9.71	8.3	11.14	8.37	- -
Price/Earnings Low	4.97	4.7	7.37	8.49	8.33	9.81	9.09	8.64	9.19	6.03	6.9	5.13	7.56	6.8	- -
Price/Book Value	0.74	1.01	0.98	0.95	1	1.17	1.51	1.13	1.49	1.19	1.45	0.84	0.71	0.7	- -
Price/Book Value Average	0.79	0.87	0.98	0.92	0.94	1.06	1.29	1.37	1.4	1.12	1.29	1.08	0.76	0.66	- -
Price/Book Value High	0.94	1.15	1.09	1.02	1.09	1.23	1.51	1.49	1.64	1.38	1.45	1.27	0.92	0.73	- -
Price/Book Value Low	0.71	0.67	0.91	0.86	0.89	0.93	1.01	1.05	1.32	0.8	1.03	0.78	0.63	0.59	- -
Price/Tangible Book Value	0.7	0.89	0.94	0.86	0.91	1.12	1.4	1.08	1.12	0.86	1.15	1.22	0.92	0.86	- -
Price/Tangible Book Value Average	0.75	0.77	0.94	0.84	0.86	1.01	1.19	1.31	1.05	0.8	1.02	1.57	1	0.81	- -
Price/Tangible Book Value High	0.89	1.02	1.05	0.93	0.99	1.17	1.4	1.42	1.24	0.99	1.16	1.85	1.21	0.9	- -
Price/Tangible Book Value Low	0.68	0.59	0.88	0.79	0.81	0.88	0.94	1.01	0.99	0.58	0.82	1.14	0.82	0.73	- -
Price/Sales	1.07	1.54	1.57	1.76	1.85	2.2	2.75	2.21	2.41	2.01	2.44	1.48	1.38	1.35	- -
Price/Sales Average	1.13	1.32	1.57	1.71	1.75	1.99	2.35	2.67	2.27	1.89	2.17	1.9	1.5	1.28	- -
Price/Sales High	1.34	1.75	1.75	1.9	2.01	2.32	2.75	2.9	2.66	2.33	2.44	2.24	1.81	1.42	- -
Price/Sales Low	1.02	1.02	1.46	1.6	1.64	1.74	1.84	2.06	2.14	1.36	1.74	1.38	1.23	1.15	- -
Price/Cash Flow	3.28	5.56	4.12	3.23	10.62	7.64	8.94	6.73	10.14	11.81	5.67	3.43	7.04	4.59	- -
Price/Cash Flow Average	3.47	4.77	4.12	3.14	10.05	6.93	7.63	8.13	9.52	11.1	5.03	4.4	7.61	4.35	- -
Price/Cash Flow High	4.12	6.34	4.58	3.48	11.57	8.05	8.94	8.83	11.19	13.7	5.68	5.2	9.22	4.82	- -
Price/Cash Flow Low	3.15	3.68	3.84	2.94	9.45	6.06	5.99	6.26	8.97	7.96	4.03	3.21	6.25	3.92	- -
Price/Free Cash Flow Average	3.49	4.87	4.24	3.2	10.26	7.08	7.51	7.89	8.24	7.35	4.44	4	7.53	4.2	- -
Price/Free Cash Flow High	4.16	6.46	4.71	3.55	11.81	8.23	8.81	8.57	9.69	9.08	5.01	4.72	9.11	4.65	- -
Price/Free Cash Flow Low	3.17	3.75	3.95	3	9.65	6.2	5.9	6.08	7.77	5.28	3.56	2.92	6.18	3.78	- -
EV/Sales Average	0.73	0.29	0.12	1.04	1.54	1.67	1.58	0.99	0.82	1.29	3.46	2.17	1.79	0.94	- -
EV/Sales High	0.94	0.73	0.3	1.23	1.8	1.99	1.99	1.22	1.22	1.73	3.73	2.51	2.11	1.08	- -
EV/Sales Low	0.63	- -	0.02	0.93	1.43	1.42	1.08	0.38	0.69	0.75	3.03	1.65	1.52	0.82	- -
EV/EBITDA Average	16.06	0.91	0.42	3.88	5.47	6.68	38.65	25.97	24.84	44.55	129.82	75.38	49.13	27.65	-4.65
EV/EBITDA High	20.78	2.25	1.02	4.58	6.41	7.98	48.56	31.98	36.92	59.9	140.25	87.28	57.78	31.68	-4.65
EV/EBITDA Low	13.77	-0.03	0.05	3.47	5.1	5.69	26.38	9.9	20.93	26.11	113.71	57.48	41.81	23.9	-4.65
EV/EBIT Average	- -	1.07	0.49	4.7	6.49	8.05	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	2.66	1.21	5.54	7.6	9.61	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	-0.03	0.06	4.2	6.05	6.85	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.81	11.67	12.5	12.88	14.46	18	25	20.46	24	21.5	30.2	20.44	18.3	19.28	28.25
High Price	9.83	13.3	13.89	13.87	15.75	18.96	25	26.87	26.49	24.95	30.25	31	23.95	20.25	28.9
Enterprise Value Average	25	10	5	36	58	66	70	45	40	67	206	141	111	64	-11
Enterprise Value High	32	26	11	43	68	79	88	56	60	90	223	164	131	73	-11
Enterprise Value Low	21	- -	1	32	54	56	48	17	34	39	181	108	95	55	-11

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	5	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Diluted Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	5	- -
Basic Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	5	- -
Revenue per Share	7.33	7.59	7.96	7.32	7.83	8.18	9.08	9.26	9.94	10.7	12.38	13.83	13.23	14.3	- -
EBITDA per Share	0.33	2.45	2.33	1.96	2.2	2.04	0.37	0.35	0.33	0.31	0.33	0.4	0.48	0.49	- -
Operating Income per Share	- -	2.08	1.97	1.62	1.85	1.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.51	1.64	1.58	1.38	1.54	1.46	1.84	2.2	2.31	2.41	3.11	3.74	2.15	2.42	- -
Basic EPS from Cont Ops	1.51	1.64	1.58	1.38	1.54	1.46	1.84	2.2	2.31	2.41	3.11	3.74	2.15	2.42	- -
Diluted EPS, GAAP	1.5	1.61	1.54	1.35	1.51	1.42	1.8	2.17	2.29	2.39	3.11	3.73	2.15	2.42	- -
Diluted EPS from Cont Ops	1.5	1.61	1.54	1.35	1.51	1.42	1.8	2.17	2.29	2.39	3.11	3.73	2.15	2.42	- -
Dividend per Share	0.28	0.32	0.36	0.38	0.39	0.41	0.43	0.46	0.49	0.5	0.53	0.58	0.6	0.62	- -
Cash Flow per Share	2.38	2.1	3.03	3.98	1.36	2.36	2.8	3.04	2.37	1.82	5.33	5.96	2.6	4.2	- -
Free Cash Flow per Basic Share	2.38	2.1	3.03	3.98	1.36	2.36	2.69	2.9	1.98	0.88	4.6	5.35	2.57	4.04	- -
Cash & Equivalents per Share	52	54.66	52.44	49.39	47.05	46.51	51.69	61.19	74.85	110.74	134.43	106	117.33	117.2	- -
Book Value per Share	10.49	11.52	12.78	13.53	14.5	15.37	16.51	18.07	16.13	18.09	20.81	24.4	25.92	27.69	- -
Tangible Book Value per Share	11.08	13.05	13.28	14.89	15.85	16.14	17.86	18.9	21.38	25.12	26.18	16.76	19.82	22.54	- -

Chesapeake Financial Shares, Inc.

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Per Share Data Items (USD)