CW Bancorp Financial Ratios — CWBK Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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 (%)	- -	11.94	15.26	16.93	21	14.02	10.5	14.09	14.66	21.35	23.43	21.35	14.74	12.75
Return on Assets (%)	- -	0.94	1.14	1.13	1.29	0.98	0.76	0.98	0.83	1.06	1.24	1.29	0.94	0.82
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	5.02	5.37	4.76	6.55	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-54.44	18.01	25.41	32.72	38.75	0.81	0.71	0.81	0.37	0.48	0.59	0.73	0.62	0.59
Operating Margin (%)	-61.26	14.29	20.15	28.62	38.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	58.56	35.19	43.54	72.18	-47.23	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	14.29	20.15	28.62	38.75	38.86	34.33	43.27	36.84	54.15	55.55	51.67	39.67	36.55
Profit Margin (%)	-61.26	14.17	20.13	18.47	22.96	22.84	25.26	33.14	27.34	41.29	40.02	37.39	28.51	26.21
Net Income to Common Margin (%)	-61.26	14.17	20.13	18.47	22.96	22.84	25.26	33.14	27.34	41.29	40.02	37.39	28.51	26.21
Effective Tax Rate (%)	- -	0.83	0.08	35.48	40.75	41.24	26.42	23.4	25.77	23.75	27.97	27.64	28.12	28.28
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	39.22	43.51	23.03	38.32	20.01	17.2	16.72	21.17	22.28
Sustainable Growth Rate (%)	- -	11.94	15.26	16.93	21	8.52	5.93	10.85	9.04	17.08	19.4	17.78	11.62	9.91

Credit (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	- -	- -	11	18	12	- -	- -	- -	- -	55	54	54	53	52
ST Debt	- -	- -	5	16	11	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	6	2	1	- -	- -	- -	- -	55	54	54	53	52
Total Debt/EBITDA	- -	- -	7.03	6.05	2.64	- -	- -	- -	1.42	334.09	214	156.17	186.75	191.16
Net Debt/EBITDA	4.78	-6.19	2.2	3.78	0.54	-1,701.53	-1,825.95	-1,788.79	-5,233.92	-2,122.69	-1,529.26	-981	-1,596.37	-1,659.22
Total Debt/EBIT	- -	- -	8.87	6.91	2.64	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	4.25	-7.8	2.78	4.32	0.54	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.49	8.64	6.7	6.63	5.79	7.38	7.05	6.82	4.83	5.06	5.5	6.6	6.21	6.72
Long-Term Debt/Equity (%)	- -	- -	31.32	7.91	3.51	- -	- -	- -	0.25	74.51	78.08	68.12	62.7	55.18
Long-Term Debt/Capital (%)	- -	- -	29.07	6.66	3.72	- -	- -	- -	0.27	44.24	40.73	38.49	36.43	34.48
Long-Term Debt/Total Assets (%)	- -	- -	4.39	1.13	0.4	- -	- -	- -	0.01	4.01	3.78	4.13	3.56	3.54
Total Debt/Equity (%)	- -	- -	59.92	72.33	43.24	- -	- -	- -	0.25	74.51	78.08	68.12	62.7	55.18
Total Debt/Capital (%)	- -	- -	55.63	60.86	45.82	- -	- -	- -	0.27	44.24	40.73	38.49	36.43	34.48
Total Debt/Total Assets (%)	- -	- -	8.41	10.31	4.9	- -	- -	- -	0.01	4.01	3.78	4.13	3.56	3.54
Net Debt to Equity	-51.66	-29.41	18.76	45.2	8.76	-500.51	-514.81	-554.37	-909.49	-473.41	-557.93	-427.92	-535.98	-478.94
Net Debt/Capital (%)	350.52	-194.81	28.19	49.28	14.62	123.25	122.61	120.13	111.12	126.93	127.37	136.14	126.72	128.89
EBITDA	-1	1	1	3	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	1	1	3	5	- -	- -	- -	- -	-1	- -	- -	- -	- -
Operating Income (Loss)	-1	1	1	3	5	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	6.49	8.64	6.7	6.63	5.79	7.38	7.05	6.82	4.83	5.06	5.5	6.6	6.21	6.72
Long-Term Debt/Equity (%)	- -	- -	31.32	7.91	3.51	- -	- -	- -	0.25	74.51	78.08	68.12	62.7	55.18
Long-Term Debt/Capital (%)	- -	- -	29.07	6.66	3.72	- -	- -	- -	0.27	44.24	40.73	38.49	36.43	34.48
Long-Term Debt/Total Assets (%)	- -	- -	4.39	1.13	0.4	- -	- -	- -	0.01	4.01	3.78	4.13	3.56	3.54
Total Debt/Equity (%)	- -	- -	59.92	72.33	43.24	- -	- -	- -	0.25	74.51	78.08	68.12	62.7	55.18
Total Debt/Capital (%)	- -	- -	55.63	60.86	45.82	- -	- -	- -	0.27	44.24	40.73	38.49	36.43	34.48
Total Debt/Total Assets (%)	- -	- -	8.41	10.31	4.9	- -	- -	- -	0.01	4.01	3.78	4.13	3.56	3.54
CFO/Total Liabilities	-1.73	1.62	0.76	1.18	- -	0.97	1.43	1	1.2	0.98	1.53	1.45	0.98	1.12
CFO/CapEx	- -	- -	- -	- -	- -	26.99	95.32	199.56	54.9	11.51	1,749.08	57.76	254.98	126.78
Altman's Z-Score	0.18	0.2	0.24	0.29	0.21	0.17	0.16	0.16	0.11	0.13	0.14	0.16	0.15	0.16

Working Capital (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	- -	18.36	17.91	18.35	14.34	9.51	7.97	8.23	9.69	6.32	5.77	6.41	12.59	- -
Days Sales Outstanding	- -	19.88	20.38	19.89	25.45	38.4	45.82	44.33	37.65	57.76	63.28	56.98	29	- -
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

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	18	17	30	45	30	88	75	88	72	105	105	98	108	106
- Cash & Cash Equivalents	4	5	7	7	10	301	305	360	639	398	438	387	503	505
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	11	18	12	- -	- -	- -	- -	55	54	54	53	52
Enterprise Value	13	12	34	56	33	-281	-291	-340	-644	-389	-403	-347	-479	-415
Total Capital	3	7	19	30	27	57	56	60	64	124	133	140	146	152
Total Debt/Capital (%)	- -	- -	55.63	60.86	45.82	- -	- -	- -	0.27	44.24	40.73	38.49	36.43	34.48
Total Debt / EV	- -	- -	0.31	0.32	0.38	- -	- -	- -	- -	-0.14	-0.13	-0.15	-0.11	-0.13
EV/Sales	8.58	2.88	5.7	6.11	2.71	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	15.99	22.45	18.68	7	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	20.16	28.32	21.36	7	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	11.32	41.14	31.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	11.32	41.14	31.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	18	18	32	48	30	94	81	92	74	107	108	99	109	107
Diluted Enterprise Value	13	13	35	60	33	-207	-224	-267	-565	-236	-276	-235	-341	-345
EV per Share	8.81	6.17	12.77	20.06	21.38	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	2	4	6	9	12	22	24	25	33	34	43	47	46	47
TTM EBITDA	-1	1	1	3	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-1	1	1	3	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	1	1	2	- -	7	11	8	15	13	21	18	14	15
TTM Free Cash Flow to Firm	- -	1	1	2	- -	7	11	8	15	14	21	18	14	16

Multiples (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	-27.44	16.74	38.76	26.88	- -	13.2	7.55	11.22	4.81	7.81	5.16	5.5	7.89	6.87
EV/EBIT	- -	20.16	28.32	21.36	7	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	13	12	34	56	33	-281	-291	-340	-644	-389	-403	-347	-479	-415
Low Price	7	7.67	10.67	11.75	16	17.08	19.9	19.25	16.25	19.15	29.65	26.5	29.51	30.15
EV/Sales	8.58	2.88	5.7	6.11	2.71	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	15.99	22.45	18.68	7	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	28.19	25.56	26.41	10.92	17.62	12.66	10.74	7.87	7.41	6.07	5.54	8.21	8.65
Price/Earnings Average	-14.79	30.47	23.42	19.63	8.68	15.89	15.71	9.74	7.36	7.04	6.43	5.53	7.32	8.36
Price/Earnings High	-18.93	39.86	39.94	44.57	11.19	18	16.81	11.18	9.57	8.42	7.15	7.51	8.69	9.02
Price/Earnings Low	-11.14	25.26	23.68	19.4	8.85	13.08	12.63	8.61	6.36	4.75	5.77	4.85	6.79	7.29
Price/Book Value	6.01	2.37	3.61	3.83	2.07	1.55	1.34	1.46	1.12	1.52	1.33	1.14	1.17	1.06
Price/Book Value Average	4.87	2.56	3.31	2.85	1.65	1.4	1.66	1.33	1.05	1.44	1.41	1.14	1.04	1.03
Price/Book Value High	6.23	3.35	5.64	6.47	2.12	1.59	1.78	1.52	1.37	1.73	1.57	1.54	1.23	1.11
Price/Book Value Low	3.67	2.12	3.35	2.81	1.68	1.15	1.33	1.17	0.91	0.97	1.27	1	0.97	0.9
Price/Tangible Book Value	2.22	1.05	1.73	1.78	1.06	1.54	1.34	1.43	1.07	1.49	1.58	1.29	1.32	1.15
Price/Tangible Book Value Average	1.8	1.14	1.58	1.32	0.84	1.39	1.66	1.29	1	1.42	1.68	1.29	1.18	1.12
Price/Tangible Book Value High	2.3	1.49	2.7	3.01	1.09	1.58	1.78	1.49	1.3	1.69	1.87	1.74	1.4	1.2
Price/Tangible Book Value Low	1.35	0.94	1.6	1.31	0.86	1.15	1.33	1.14	0.86	0.95	1.51	1.13	1.1	0.97
Price/Sales	11.19	4	5.15	4.88	2.51	4.02	3.2	3.56	2.15	3.06	2.43	2.07	2.34	2.27
Price/Sales Average	9.06	4.32	4.71	3.62	1.99	3.63	3.97	3.23	2.01	2.91	2.57	2.07	2.09	2.19
Price/Sales High	11.6	5.65	8.04	8.23	2.57	4.11	4.25	3.71	2.62	3.48	2.86	2.81	2.48	2.36
Price/Sales Low	6.82	3.58	4.77	3.58	2.03	2.99	3.19	2.85	1.74	1.96	2.31	1.81	1.94	1.91
Price/Cash Flow	-27.44	15.7	37.11	25.17	- -	12.81	7.1	10.77	4.76	8.3	5.02	5.52	7.84	6.85
Price/Cash Flow Average	-22.22	16.97	34	18.7	- -	11.56	8.81	9.77	4.45	7.89	5.31	5.51	6.99	6.62
Price/Cash Flow High	-28.43	22.2	57.98	42.48	- -	13.09	9.43	11.22	5.79	9.44	5.92	7.48	8.3	7.14
Price/Cash Flow Low	-16.73	14.07	34.37	18.49	- -	9.51	7.08	8.64	3.85	5.32	4.77	4.84	6.49	5.77
Price/Free Cash Flow Average	-22.22	18.09	35.51	19.97	- -	11.91	9.37	10.18	4.5	7.42	5.45	5.49	7.04	6.64
Price/Free Cash Flow High	-28.43	23.67	60.56	45.36	- -	13.49	10.03	11.69	5.85	8.88	6.07	7.45	8.36	7.15
Price/Free Cash Flow Low	-16.73	15	35.9	19.74	- -	9.8	7.53	9	3.89	5	4.9	4.82	6.54	5.78
EV/Sales Average	6.46	3.2	5.27	4.86	2.2	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	8.99	4.53	8.6	9.47	2.78	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	4.22	2.47	5.32	4.82	2.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	-11.86	17.78	20.76	14.85	5.68	-1,252.17	-1,267.53	-1,390.94	-4,683.79	-1,485.02	-1,072.95	-686.89	-1,247.01	-1,276.71
EV/EBITDA High	-16.52	25.17	33.84	28.93	7.17	-1,192.49	-1,228.25	-1,332.09	-4,519.16	-1,365.2	-1,023.28	-585.79	-1,183.28	-1,247.56
EV/EBITDA Low	-7.75	13.69	20.96	14.73	5.78	-1,331.55	-1,377.11	-1,437.13	-4,758.4	-1,683.16	-1,117.62	-721.74	-1,271.11	-1,324.72
EV/EBIT Average	-10.54	22.42	26.18	16.98	5.68	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-14.68	31.73	42.68	33.08	7.17	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-6.89	17.25	26.43	16.84	5.78	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	11.48	8.56	11.52	16	19.75	23	19.95	24	20.1	29.9	31.2	30.25	35.65	35.78
High Price	11.89	12.1	18	27	20.25	23.5	26.5	25	24.45	33.99	36.74	41	37.75	37.29
Enterprise Value Average	10	14	31	45	26	-222	-212	-280	-571	-244	-273	-236	-354	-350
Enterprise Value High	14	19	51	87	33	-211	-205	-268	-551	-224	-260	-202	-336	-342
Enterprise Value Low	7	10	31	45	27	-236	-230	-289	-581	-276	-284	-248	-361	-363

Shares Outstanding	2	4	3	2	2	4	4	4	4	3	3	3	3	3
Diluted Weighted Avg Shares	2	2	3	3	2	4	4	4	4	4	3	3	3	3
Basic Weighted Avg Shares	2	2	3	3	2	4	4	4	4	4	3	3	3	3
Revenue per Share	1.03	2.14	2.24	3.28	7.88	5.72	6.24	6.74	9.34	9.77	12.84	14.6	15.23	15.78
EBITDA per Share	-0.56	0.39	0.57	1.07	3.05	0.05	0.04	0.05	0.03	0.05	0.08	0.11	0.09	0.09
Operating Income per Share	-0.63	0.31	0.45	0.94	3.05	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.63	0.3	0.45	0.61	1.81	1.31	1.58	2.24	2.55	4.04	5.14	5.46	4.34	4.14
Basic EPS from Cont Ops	-0.63	0.3	0.45	0.61	1.81	1.31	1.58	2.24	2.55	4.04	5.14	5.46	4.34	4.14
Diluted EPS, GAAP	-0.63	0.28	0.43	0.57	1.81	1.22	1.47	2.14	2.48	3.95	5	5.39	4.3	4.09
Diluted EPS from Cont Ops	-0.63	0.28	0.43	0.57	1.81	1.22	1.47	2.14	2.48	3.95	5	5.39	4.3	4.09
Dividend per Share	- -	- -	- -	- -	- -	0.51	0.69	0.51	0.98	0.81	0.88	0.91	0.92	0.92
Cash Flow per Share	-0.42	0.55	0.31	0.64	- -	1.8	2.81	2.23	4.23	3.6	6.21	5.48	4.55	5.22
Free Cash Flow per Basic Share	-0.42	0.55	0.31	0.64	- -	1.73	2.78	2.22	4.15	3.29	6.21	5.39	4.53	5.18
Cash & Equivalents per Share	2.67	2.39	2.75	2.43	6.43	96.39	97.31	116.56	200.98	156.12	166.6	154.5	211.5	193.62
Book Value per Share	1.91	3.61	3.19	4.17	9.54	14.82	14.93	16.41	17.91	19.66	23.41	26.62	30.57	33.62
Tangible Book Value per Share	5.17	8.12	6.67	8.97	18.65	14.9	14.91	16.83	18.86	20.06	19.69	23.5	26.93	31.02

CW Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)