Haverty Furniture Companies, Inc. Financial Ratios — 25F

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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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 (%)	6	5.71	11.57	2.91	9.36	9.72	7.32	10.66	8.17	23.04	35.68	32.77	18.84	6.48	6.41
Return on Assets (%)	4.09	3.79	7.87	1.95	5.96	6.13	4.6	6.72	4.37	9.54	13.29	13.38	8.64	3.06	3.04
Return on Capital (%)	- -	5.26	10.45	2.53	7.75	7.98	5.99	8.78	5.66	12.77	18.67	17.93	10.86	3.79	3.76
Return on Invested Capital (%)	- -	4.96	10.19	2.53	7.62	7.45	5.66	8.84	5.21	6.82	18.34	17.41	9.86	2.83	2.91
Gross Margin (%)	51.65	52.54	53.81	53.66	53.52	53.96	54.27	54.61	54.16	56	56.74	57.7	60.67	60.74	60.67
EBITDA Margin (%)	3.8	6.38	9.99	6.34	8.91	8.88	8.84	8.74	5.94	8.01	13.3	12.88	9.96	5.74	5.93
Operating Margin (%)	0.83	3.48	7.12	3.4	5.71	5.35	5.12	5.1	3.37	5.57	11.69	11.26	7.8	2.75	2.79
Incremental Operating Margin (%)	- -	37	39.15	- -	54.35	- -	115.6	13.6	94.9	- -	28.97	- -	27.36	34.06	3.64
Pretax Margin (%)	0.74	3.51	7.03	3.29	5.63	5.58	5.27	4.94	3.58	10.25	11.7	11.41	8.43	3.62	3.54
Profit Margin (%)	2.49	2.23	4.32	1.12	3.45	3.45	2.57	3.71	2.73	7.9	8.97	8.53	6.53	2.76	2.6
Net Income to Common Margin (%)	2.49	2.23	4.32	1.12	3.45	3.45	2.57	3.71	2.73	7.9	8.97	8.53	6.53	2.76	2.6
Effective Tax Rate (%)	- -	36.59	38.53	65.99	38.62	38.12	51.24	25	23.88	22.92	23.4	25.22	22.54	23.7	26.47
Dvd Payout Ratio (%)	16.87	165.54	16.59	346.72	29	107.24	54.05	117.02	68.86	85.41	57.76	37.99	62.57	102.57	105.61
Sustainable Growth Rate (%)	4.98	-3.74	9.65	-7.18	6.64	-0.7	3.36	-1.81	2.54	3.36	15.07	20.32	7.05	-0.17	-0.36

Credit (USD)

Credit Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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	13	31	29	60	63	64	63	58	179	234	230	221	218	218	216
ST Debt	1	1	1	2	3	3	4	4	29	33	34	34	37	36	36
LT Debt	12	30	28	58	60	61	59	54	150	200	197	187	180	182	180
Total Debt/EBITDA	0.55	0.73	0.39	1.23	0.88	0.88	0.87	0.82	3.76	3.9	1.71	1.64	2.54	5.27	4.81
Net Debt/EBITDA	-2.1	-1.25	-1.12	-1.34	-0.99	-0.87	-1.1	-1	-1.59	-3.34	-1.23	-0.91	-1.4	-2.89	-2.79
Total Debt/EBIT	2.44	1.34	0.54	2.29	1.37	1.46	1.5	1.4	6.62	5.6	1.95	1.88	3.24	11	10.22
Net Debt/EBIT	-9.29	-2.29	-1.57	-2.51	-1.54	-1.44	-1.89	-1.72	-2.8	-4.8	-1.4	-1.04	-1.79	-6.04	-5.92
EBITDA to Interest Expense	32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	6.98	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	68.21	64.52	71.38	63.36	64.03	62.02	63.76	62.39	46.51	37.18	37.3	44.59	47.14	47.41	47.44
Long-Term Debt/Equity (%)	4.68	11.75	9.31	19.7	19.9	21.57	20.18	19.81	57.43	79.14	76.87	64.56	58.5	59.21	58.6
Long-Term Debt/Capital (%)	4.46	10.48	8.49	16.34	16.46	17.57	16.62	16.33	34.04	41.14	40.46	36.59	34.29	34.62	34.41
Long-Term Debt/Total Assets (%)	3.19	7.58	6.65	12.48	12.74	13.38	12.87	12.36	26.71	29.43	28.67	28.79	27.58	28.07	27.8
Total Debt/Equity (%)	4.97	12.09	9.63	20.51	20.91	22.8	21.47	21.27	68.72	92.37	89.99	76.46	70.62	71	70.28
Total Debt/Capital (%)	4.73	10.78	8.79	17.02	17.3	18.57	17.68	17.54	40.73	48.02	47.37	43.33	41.39	41.52	41.27
Total Debt/Total Assets (%)	3.39	7.8	6.88	13	13.39	14.14	13.69	13.27	31.96	34.34	33.56	34.09	33.29	33.66	33.34
Net Debt to Equity	-18.88	-20.64	-27.89	-22.42	-23.42	-22.52	-27.02	-26.05	-29.07	-79.08	-64.91	-42.55	-39.12	-39.03	-40.7
Net Debt/Capital (%)	-21.93	-22.57	-34.12	-22.85	-24.02	-22.46	-28.61	-27.36	-20.82	-69.81	-51.89	-31.77	-29.75	-29.57	-31.41
EBITDA	24	43	75	49	72	73	72	71	48	60	135	135	86	41	45
EBITDA-CapEx	24	43	75	49	72	73	72	71	48	60	135	135	86	41	45
Operating Income (Loss)	5	23	53	26	46	44	42	42	27	42	118	118	67	20	21

Liquidity (USD)

Liquidity Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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	0.69	0.6	1.06	0.76	0.89	0.66	0.89	0.81	0.6	0.98	0.79	0.8	0.87	0.91	0.94
Current Ratio	2.45	2	2.57	2.18	2.33	2.02	2.35	2.29	1.61	1.55	1.47	1.79	1.82	1.82	1.87
Quick Ratio	0.84	0.7	1.17	0.83	0.95	0.71	0.91	0.83	0.61	0.98	0.79	0.8	0.87	0.91	0.94
CFO/Avg Current Liab	0.27	0.64	0.67	0.64	0.55	0.63	0.57	0.79	0.59	0.79	0.47	0.28	0.66	0.44	0.4
Common Equity/Total Assets	68.21	64.52	71.38	63.36	64.03	62.02	63.76	62.39	46.51	37.18	37.3	44.59	47.14	47.41	47.44
Long-Term Debt/Equity (%)	4.68	11.75	9.31	19.7	19.9	21.57	20.18	19.81	57.43	79.14	76.87	64.56	58.5	59.21	58.6
Long-Term Debt/Capital (%)	4.46	10.48	8.49	16.34	16.46	17.57	16.62	16.33	34.04	41.14	40.46	36.59	34.29	34.62	34.41
Long-Term Debt/Total Assets (%)	3.19	7.58	6.65	12.48	12.74	13.38	12.87	12.36	26.71	29.43	28.67	28.79	27.58	28.07	27.8
Total Debt/Equity (%)	4.97	12.09	9.63	20.51	20.91	22.8	21.47	21.27	68.72	92.37	89.99	76.46	70.62	71	70.28
Total Debt/Capital (%)	4.73	10.78	8.79	17.02	17.3	18.57	17.68	17.54	40.73	48.02	47.37	43.33	41.39	41.52	41.27
Total Debt/Total Assets (%)	3.39	7.8	6.88	13	13.39	14.14	13.69	13.27	31.96	34.34	33.56	34.09	33.29	33.66	33.34
CFO/Total Liabilities	15.58	36.57	46.73	32.83	30.81	34.79	31.38	42.52	21.17	30.46	22.6	14.18	28.11	17.27	15.43
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.94	3.06

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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	49.22	63.33	83.45	100.33	122.94	161.22	246.5	385.63	477.55	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	7.42	5.76	4.37	3.64	2.97	2.26	1.48	0.95	0.76	- -	- -	- -	- -	- -	- -
Inventory Turnover	3.23	3.34	3.66	3.59	3.46	3.59	3.65	3.55	3.49	3.38	4.34	3.85	3.19	3.2	3.32
Days Inventory Outstanding	112.87	109.38	99.77	101.81	105.39	101.77	100	102.89	104.53	107.93	84.11	94.9	114.27	114.05	109.79
Accounts Payable Turnover	15.36	13.01	13.57	16.17	14.46	13.89	16.31	18.52	15.39	10.61	14.69	16.46	14.94	16.22	20.5
Accounts Payable Turnover Days	23.76	28.06	26.9	22.57	25.23	26.28	22.38	19.71	23.72	34.4	24.85	22.17	24.43	22.5	17.8
Cash Conversion Cycle	96.53	87.08	77.25	82.88	83.13	77.75	79.1	84.13	81.57	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	-105.45	-103.62	-95.4	-98.17	-102.42	-99.5	-98.52	-101.95	-103.76	- -	- -	- -	- -	- -	- -
Inventories	94	97	91	107	109	102	103	106	105	90	112	118	94	83	96
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	94	97	91	107	109	102	103	106	105	90	112	118	94	83	96

Enterprise Value (USD)

Enterprise Value API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	352	379
- Cash & Cash Equivalents	50	54	83	65	71	63	79	72	76	200	166	123	121	120	125
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	13	31	29	60	63	64	63	58	179	234	230	221	218	218	216
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	451	470
Total Capital	276	291	327	352	365	346	357	333	440	487	486	511	526	526	524
Total Debt/Capital (%)	4.73	10.78	8.79	17.02	17.3	18.57	17.68	17.54	40.73	48.02	47.37	43.33	41.39	41.52	41.27
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.48	0.46
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.62	0.62
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.86	10.45
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.69	22.2
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.65	8.93
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.65	8.93
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	365	389
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	463	480
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.43	28.71
TTM Sales	621	670	746	768	805	822	820	818	802	748	1,013	1,047	862	723	759
TTM EBITDA	24	43	75	49	72	73	72	71	48	60	135	135	86	41	45
TTM Operating Income	5	23	53	26	46	44	42	42	27	42	118	118	67	20	21
TTM Cash Flow to Firm	- -	52	56	55	52	60	52	70	63	130	97	51	97	59	53
TTM Free Cash Flow to Firm	- -	52	56	55	52	60	52	70	63	130	97	51	97	59	53

Multiples (USD)

Valuation Multiples API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.19	7.39
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.69	22.2
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	451	470
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.03	16.6
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.62	0.62
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.86	10.45
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	17.68	19.24
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.21	17.55
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.64	20.32
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	17.34	13.8
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.15	1.23
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.37	1.12
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.73	1.3
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.12	0.88
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.15	1.23
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.37	1.12
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.73	1.3
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.12	0.88
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.49	0.5
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.59	0.46
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.74	0.53
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.48	0.36
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.99	7.21
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.19	6.58
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.03	7.61
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.87	5.17
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.43	6.74
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.33	7.81
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.07	5.3
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.72	0.58
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.87	0.65
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.61	0.48
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.56	9.71
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.17	10.92
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.7	8.07
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.23	20.63
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	31.68	23.2
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.34	17.14
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.44	23.15
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32.31	24.44
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	521	437
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	629	491
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	444	363

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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

Shares Outstanding	22	23	23	23	22	21	22	21	19	18	17	16	16	16	16
Diluted Weighted Avg Shares	22	23	23	23	23	22	22	22	21	19	20	17	17	17	17
Basic Weighted Avg Shares	19	22	23	23	23	22	22	21	19	18	17	17	16	16	16
Revenue per Share	32.86	29.98	32.81	33.49	35.28	37.67	38.1	39.26	41.39	40.51	58.32	62.75	52.53	43.93	46.28
EBITDA per Share	1.25	1.91	3.28	2.12	3.14	3.35	3.37	3.43	2.46	3.24	7.75	8.08	5.23	2.52	2.74
Operating Income per Share	0.27	1.04	2.33	1.14	2.01	2.01	1.95	2	1.39	2.26	6.81	7.07	4.1	1.21	1.29
Basic EPS, GAAP	0.82	0.67	1.42	0.37	1.22	1.3	0.98	1.46	1.13	3.2	5.23	5.35	3.43	1.21	1.2
Basic EPS from Cont Ops	0.82	0.67	1.42	0.37	1.22	1.3	0.98	1.46	1.13	3.2	5.23	5.35	3.43	1.21	1.2
Diluted EPS, GAAP	0.69	0.66	1.39	0.37	1.2	1.28	0.96	1.4	1.06	3.08	4.51	5.17	3.31	1.17	1.17
Diluted EPS from Cont Ops	0.69	0.66	1.39	0.37	1.2	1.28	0.96	1.4	1.06	3.08	4.51	5.17	3.31	1.17	1.17
Dividend per Share	0.14	1.1	0.24	1.3	0.35	1.39	0.53	1.7	0.78	2.74	3.02	2.03	2.15	1.24	1.27
Cash Flow per Share	1.01	2.33	2.46	2.42	2.29	2.75	2.44	3.38	3.27	7.05	5.6	3.06	5.92	3.58	3.21
Free Cash Flow per Basic Share	1.01	2.33	2.46	2.42	2.29	2.75	2.44	3.38	3.27	7.05	5.6	3.06	5.92	3.58	3.21
Cash & Equivalents per Share	2.23	2.37	3.64	3.17	3.71	2.97	3.69	3.43	3.91	10.83	9.57	7.52	7.37	7.31	7.65
Book Value per Share	11.8	11.5	13.06	12.72	13.43	13.17	13.67	13.19	13.44	13.7	14.74	17.67	18.83	18.73	18.81
Tangible Book Value per Share	11.8	11.5	13.06	12.72	13.43	13.17	13.67	13.19	13.44	13.7	14.74	17.67	18.83	18.73	18.81