U.S. Physical Therapy, Inc. Financial Ratios — UPH Stock

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 (%)	19.88	15.99	10.36	13.94	12.99	11.46	11.24	4.8	12.34	11.84	9.73	9.25	3.71	5.48	3.12
Return on Assets (%)	13.79	10.71	6.43	8.16	7.52	6.28	5.73	2.34	5.61	5.29	4.14	3.52	1.58	2.44	1.27
Return on Capital (%)	9.34	6.73	2.76	8.79	8.17	7.88	9.91	-7.1	0.16	1.92	-0.26	2.42	-0.1	1.36	-1.95
Return on Invested Capital (%)	17.33	18.34	15.23	14.97	13.16	11.89	13.26	12.9	12.07	8.02	9.25	6.11	4.51	4.86	6.04
Gross Margin (%)	24.13	25.2	24.5	24.97	23.65	23	21.89	22.4	23.34	22.33	23.67	20.25	20.09	18.46	19.17
EBITDA Margin (%)	15.93	17.5	16.79	17.21	16.68	16.35	15.56	15.44	16.08	14.88	16.61	12.93	10.95	12.17	13.97
Operating Margin (%)	13.57	15.38	14.68	15	14.28	13.89	13.22	13.29	13.99	15.58	15.2	11.92	11.58	9.78	10.3
Incremental Operating Margin (%)	- -	38.49	2.53	17.06	5.82	8.87	9.03	14.01	25.34	2.56	12.95	- -	7.96	- -	13.5
Pretax Margin (%)	15.71	15.16	14.48	12.56	12.11	10.7	8.15	13.26	14.71	15.49	14.79	10.05	8.16	8.97	9.96
Profit Margin (%)	9.06	7.18	4.82	6.27	6.22	5.76	5.33	2.23	5.84	7.23	5.62	5.11	2.43	3.94	1.93
Net Income to Common Margin (%)	9.06	7.18	4.82	6.27	6.22	5.76	5.33	2.23	5.84	7.23	5.62	5.11	2.43	3.94	1.93
Effective Tax Rate (%)	26.66	29.63	32	33.96	34	31.14	17.87	18.88	19.25	19.88	20.86	21.89	24.62	24.26	25.46
Dvd Payout Ratio (%)	10.68	25.82	14.11	18.65	23.02	26.61	30.14	13.32	16.85	5.52	21.32	36.42	40.37	40.99	27.11
Sustainable Growth Rate (%)	17.76	11.86	8.9	11.34	10	8.41	7.85	4.16	10.26	11.18	7.66	5.88	2.21	3.24	2.27

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	24	18	41	36	49	52	61	40	138	111	223	295	259	295	315
ST Debt	- -	- -	1	1	1	1	4	1	27	32	31	42	43	51	52
LT Debt	24	18	41	35	48	51	57	38	111	79	192	254	216	244	263
Total Debt/EBITDA	0.66	0.41	0.94	0.68	0.89	0.89	0.94	0.57	1.78	1.76	2.71	4.13	3.91	3.61	2.89
Net Debt/EBITDA	0.39	0.15	0.64	0.41	0.6	0.54	0.6	0.24	0.36	-0.18	1.09	2.13	-0.09	1.37	1.16
Total Debt/EBIT	0.77	0.47	1.07	0.78	1.04	1.05	1.11	0.66	2.04	2.12	3.16	5.2	5.12	4.69	3.64
Net Debt/EBIT	0.45	0.17	0.74	0.47	0.7	0.64	0.71	0.27	0.41	-0.22	1.27	2.68	-0.12	1.78	1.46
EBITDA to Interest Expense	74.35	78.44	82.4	7.04	7.63	5.08	3.06	34.31	37.29	38.52	87.3	12.38	7.12	10.19	11.53
EBITDA-CapEx/Interest Expense	67.85	70.84	73.78	6.35	6.77	4.36	2.72	30.79	32.39	33.85	78.6	10.95	6.12	9.04	10.04
EBIT to Interest Expense	63.36	68.95	72.06	6.14	6.53	4.32	2.6	29.54	32.43	40.34	79.88	11.41	7.53	8.19	8.5
Interest Expense	- -	1	1	7	7	11	21	2	2	2	1	6	9	8	9
Common Equity/Total Assets	65.57	68.32	57.24	59.82	56.31	53.4	48.9	48.73	42.84	46.46	39.44	36.8	47.75	41.88	39.57
Long-Term Debt/Equity (%)	19.56	13.05	26.21	19.89	22.14	19.62	18.36	10.95	29.15	19.17	42.39	52.37	33.06	32.2	34.17
Long-Term Debt/Capital (%)	16.31	11.51	20.68	16.52	18.08	16.34	15.34	9.83	21.38	15.08	28.39	32.54	23.68	23.18	24.25
Long-Term Debt/Total Assets (%)	14.57	10.24	18.14	14.2	15.91	14.41	13.54	8.67	19.72	13.22	25.59	29.57	21.62	20.93	21.86
Total Debt/Equity (%)	19.92	13.39	26.74	20.4	22.5	20.1	19.67	11.36	36.32	27.07	49.3	60.95	39.65	38.9	40.92
Total Debt/Capital (%)	16.61	11.81	21.1	16.94	18.37	16.73	16.44	10.2	26.65	21.31	33.02	37.87	28.39	28	29.04
Total Debt/Total Assets (%)	14.83	10.5	18.5	14.56	16.17	14.75	14.5	8.99	24.58	18.67	29.77	34.42	25.93	25.29	26.18
Net Debt to Equity	11.71	4.73	18.42	12.23	15.27	12.32	12.57	4.69	7.26	-2.79	19.86	31.39	-0.94	14.78	16.47
Net Debt/Capital (%)	10.48	4.51	15.56	10.89	13.25	10.97	11.17	4.48	5.58	-2.34	13.89	20.33	-0.81	11.07	12.09
EBITDA	37	44	44	53	55	58	64	70	78	63	82	72	66	82	109
EBITDA-CapEx	34	39	40	47	49	50	57	63	67	55	74	63	57	72	95
Operating Income (Loss)	31	38	39	46	47	50	55	60	67	66	75	66	70	66	80

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	0.61	0.72	0.56	0.56	0.83	0.81	0.55	0.56	0.39	0.35	0.34	0.37	1.5	0.36	0.26
Current Ratio	2.8	2.78	2.14	2.15	3.17	2.68	1.95	1.89	1.41	0.94	1.14	1.3	2.28	1.18	1.01
Quick Ratio	2.45	2.41	1.97	1.91	2.86	2.5	1.83	1.78	1.31	0.9	1.09	1.17	2.18	1.09	0.89
CFO/Avg Current Liab	2.14	2.41	2.27	1.7	1.69	2.34	1.76	1.79	1.22	1.3	0.86	0.69	0.87	0.69	0.59
Common Equity/Total Assets	65.57	68.32	57.24	59.82	56.31	53.4	48.9	48.73	42.84	46.46	39.44	36.8	47.75	41.88	39.57
Long-Term Debt/Equity (%)	19.56	13.05	26.21	19.89	22.14	19.62	18.36	10.95	29.15	19.17	42.39	52.37	33.06	32.2	34.17
Long-Term Debt/Capital (%)	16.31	11.51	20.68	16.52	18.08	16.34	15.34	9.83	21.38	15.08	28.39	32.54	23.68	23.18	24.25
Long-Term Debt/Total Assets (%)	14.57	10.24	18.14	14.2	15.91	14.41	13.54	8.67	19.72	13.22	25.59	29.57	21.62	20.93	21.86
Total Debt/Equity (%)	19.92	13.39	26.74	20.4	22.5	20.1	19.67	11.36	36.32	27.07	49.3	60.95	39.65	38.9	40.92
Total Debt/Capital (%)	16.61	11.81	21.1	16.94	18.37	16.73	16.44	10.2	26.65	21.31	33.02	37.87	28.39	28	29.04
Total Debt/Total Assets (%)	14.83	10.5	18.5	14.56	16.17	14.75	14.5	8.99	24.58	18.67	29.77	34.42	25.93	25.29	26.18
CFO/Total Liabilities	78.36	105.92	64.91	59.16	43.9	54.68	51.38	79.05	34.43	54.23	25.73	15.67	23.76	18.35	17.3
CFO/CapEx	10.14	9.27	9.66	8.01	5.99	6.18	7.97	10.15	6.13	13.09	9.32	7.1	8.82	8.16	5.33
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.7

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	8.46	9.19	9.3	9.58	9.59	9.5	9.91	10.15	10.6	9.6	11.23	9.63	10.04	12.11	12.67
Days Sales Outstanding	43.12	39.7	39.25	38.11	38.08	38.43	36.82	35.97	34.45	38.03	32.51	37.9	36.35	30.15	28.81
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)

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,208
- Cash & Cash Equivalents	10	12	13	14	16	20	22	23	24	33	29	32	153	41	36
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	15	17	27	28	47	70	104	135	139	134	157	169	176	270	294
+ Total Debt	24	18	41	36	49	52	61	40	138	111	223	295	259	295	315
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,782
Total Capital	146	153	197	210	267	310	370	391	517	521	676	780	911	1,054	1,085
Total Debt/Capital (%)	16.61	11.81	21.1	16.94	18.37	16.73	16.44	10.2	26.65	21.31	33.02	37.87	28.39	28	29.04
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.18
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.28
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.33
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20.55
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.7
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.19
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,212
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,786
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	117.81
TTM Sales	232	250	264	305	331	357	414	454	482	423	495	553	605	671	781
TTM EBITDA	37	44	44	53	55	58	64	70	78	63	82	72	66	82	109
TTM Operating Income	31	38	39	46	47	50	55	60	67	66	75	66	70	66	80
TTM Cash Flow to Firm	33	40	45	46	42	59	74	75	64	101	77	63	89	81	82
TTM Free Cash Flow to Firm	30	35	41	41	36	51	67	67	54	94	69	55	80	72	68

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.88
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20.55
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,782
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	62.98
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.28
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.33
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	80.5
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	79.14
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	93.88
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	63.45
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.54
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.49
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.96
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-3.11
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-3.06
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-3.62
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2.45
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.55
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.53
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.81
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.22
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.15
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.88
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.84
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.73
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.55
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	23.19
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.67
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.26
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.54
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.95
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.15
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.18
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.99
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20.32
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.87
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	17.6
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	79.9
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	93.19
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,761
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,983
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,526

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	12	12	12	12	12	13	13	13	13	13	13	13	15	15	15
Diluted Weighted Avg Shares	12	12	12	12	12	12	13	13	13	13	13	13	14	15	15
Basic Weighted Avg Shares	12	12	12	12	12	12	13	13	13	13	13	13	14	15	15
Revenue per Share	19.6	21.15	21.89	24.97	26.74	28.52	32.94	35.84	37.78	32.95	38.38	42.6	42.63	44.57	51.47
EBITDA per Share	3.12	3.7	3.68	4.3	4.46	4.66	5.13	5.53	6.08	4.9	6.38	5.51	4.67	5.42	7.19
Operating Income per Share	2.66	3.25	3.21	3.75	3.82	3.96	4.35	4.76	5.29	5.14	5.83	5.08	4.94	4.36	5.3
Basic EPS, GAAP	1.78	1.52	1.05	1.57	1.66	1.64	1.75	0.8	2.21	2.38	2.16	2.18	1.03	1.76	0.99
Basic EPS from Cont Ops	2.26	2.26	2.16	2.07	2.14	2.1	2.21	3.86	4.49	4.09	4.49	3.34	2.62	3.03	3.82
Diluted EPS, GAAP	1.75	1.51	1.05	1.57	1.66	1.64	1.75	0.8	2.21	2.38	2.16	2.18	1.03	1.76	0.99
Diluted EPS from Cont Ops	2.23	2.24	2.15	2.07	2.14	2.1	2.21	3.86	4.49	4.09	4.49	3.34	2.62	3.03	3.82
Dividend per Share	0.32	0.76	0.4	0.48	0.6	0.68	0.8	0.92	1.14	0.32	1.45	1.64	1.7	1.76	1.8
Cash Flow per Share	2.76	3.33	3.71	3.39	3.03	4.08	4.5	5.76	4.9	7.79	5.92	4.51	5.78	4.97	4.95
Free Cash Flow per Basic Share	2.49	2.97	3.33	2.97	2.52	3.42	3.93	5.2	4.1	7.2	5.29	3.87	5.12	4.36	4.02
Cash & Equivalents per Share	0.85	0.98	1.07	1.16	1.27	1.6	1.74	1.84	1.84	2.56	2.21	2.43	10.2	2.74	2.35
Book Value per Share	9.15	9.85	10.6	11.92	13.77	14.98	16.27	17.02	18.81	21.49	22.89	24.29	31.77	32.39	31.5
Tangible Book Value per Share	0.4	0.42	-2.49	-2.16	-4.4	-6.18	-9.16	-9.97	-10.18	-9.79	-17.46	-22.08	-9.55	-23.69	-25.71