OneSpan Inc. Financial Ratios — VDY 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 (%)	14.37	10.68	6.74	17.62	18.57	4.2	-9.12	1.24	3.06	-2.1	-12.82	-6.82	-16.44	30.72	30.1
Return on Assets (%)	11.63	8.78	5.6	14.46	14.97	3.29	-6.74	0.88	2.14	-1.44	-8.53	-4.26	-9.55	18.18	19.8
Return on Capital (%)	14.37	10.68	6.74	17.62	18.57	4.2	-9.12	- -	2.99	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	19.01	11.19	6.41	17	18.19	3.48	-6.64	- -	2.89	- -	- -	- -	- -	- -	- -
Gross Margin (%)	64.32	64.64	64.41	62.34	59.45	67.94	69.59	69.33	66.21	68.64	66.64	67.84	67.08	71.79	73.75
EBITDA Margin (%)	17	16.02	12.1	21.95	23.51	10.6	8.69	5.31	10.15	3.13	-8.02	-9.15	-9.52	21.86	24.06
Operating Margin (%)	14.73	13.65	8.84	18.9	20.9	4.99	3.2	-0.44	5.6	-2.44	-12.18	-6.3	-4.92	20.25	20.59
Incremental Operating Margin (%)	20.58	26.6	- -	52.43	30.99	83.14	- -	- -	35.85	51.46	1,724.79	272.33	13.94	753.24	82,500
Pretax Margin (%)	15.35	14.09	9.1	18.82	21.06	5.92	4.34	1.23	5.68	-1.59	-12.19	-5.34	-11.62	19.12	20.3
Profit Margin (%)	10.79	10.13	7.19	16.61	17.46	5.47	-11.59	1.44	3.1	-2.53	-14.26	-6.59	-12.67	23.47	29.98
Net Income to Common Margin (%)	10.79	10.13	7.19	16.61	17.46	5.47	-11.59	1.44	3.1	-2.53	-14.26	-6.59	-12.67	23.47	29.98
Effective Tax Rate (%)	6.03	25.2	22.3	14	17.12	7.59	367.26	- -	45.42	- -	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.32
Sustainable Growth Rate (%)	14.37	10.68	6.74	17.62	18.57	4.2	-9.12	1.24	3.06	-2.1	-12.82	-6.82	-16.44	30.72	22.48

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	- -	- -	- -	- -	- -	- -	- -	- -	11	12	10	8	7	7	6
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	11	12	10	8	7	7	6
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	0.44	1.84	-0.59	-0.42	-0.3	0.13	0.1
Net Debt/EBITDA	-2.96	-4.32	-5.26	-1.64	-1.38	-2.42	-4.68	-6.84	-3.28	-13.11	3.68	4.8	1.92	-1.56	-1.2
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	0.8	-2.36	-0.39	-0.31	-0.24	0.15	0.13
Net Debt/EBIT	-3.41	-5.06	-7.19	-1.9	-1.56	-5.14	-12.7	83.38	-5.94	16.81	2.43	3.55	1.49	-1.86	-1.46
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	80.39	83.81	82.25	81.91	79.55	77.36	70.47	71.55	68.57	68.59	64.21	60.67	55.03	62.74	68.35
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	4.31	4.82	4.63	4.15	4.29	3.26	2.26
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	4.13	4.6	4.43	3.99	4.11	3.16	2.21
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	2.95	3.3	2.97	2.52	2.36	2.05	1.54
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	4.31	4.82	4.63	4.15	4.29	3.26	2.26
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	4.13	4.6	4.43	3.99	4.11	3.16	2.21
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	2.95	3.3	2.97	2.52	2.36	2.05	1.54
Net Debt to Equity	-62.22	-68.11	-56.58	-35.19	-31.66	-19.49	-33.06	-30.39	-32.13	-34.35	-28.84	-47.3	-27.02	-39.13	-25.93
Net Debt/Capital (%)	-164.71	-213.57	-130.31	-54.29	-46.32	-24.21	-49.39	-43.65	-44.52	-48.74	-38.05	-83.2	-34.97	-61.01	-33.98
EBITDA	29	25	19	44	57	20	17	11	26	7	-17	-20	-22	53	59
EBITDA-CapEx	20	23	18	43	55	18	14	8	18	4	-19	-25	-35	44	49
Operating Income (Loss)	25	21	14	38	50	10	6	-1	14	-5	-26	-14	-12	49	50

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	2.71	3.56	2.66	3.04	2.22	2.12	2.39	1.38	1.49	1.53	1.11	0.89	0.37	0.75	0.62
Current Ratio	4.48	5.32	4.36	4.56	3.29	3.05	3.45	2.65	2.84	2.75	2.1	1.79	1.27	1.59	1.5
Quick Ratio	3.75	4.49	3.44	3.72	2.75	2.66	3.12	2.31	2.4	2.39	1.79	1.52	0.98	1.34	1.26
CFO/Avg Current Liab	0.58	0.72	0.3	1.01	1.36	0.46	0.26	0.02	0.25	0.2	-0.03	-0.06	-0.1	0.49	0.53
Common Equity/Total Assets	80.39	83.81	82.25	81.91	79.55	77.36	70.47	71.55	68.57	68.59	64.21	60.67	55.03	62.74	68.35
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	4.31	4.82	4.63	4.15	4.29	3.26	2.26
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	4.13	4.6	4.43	3.99	4.11	3.16	2.21
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	2.95	3.3	2.97	2.52	2.36	2.05	1.54
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	4.31	4.82	4.63	4.15	4.29	3.26	2.26
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	4.13	4.6	4.43	3.99	4.11	3.16	2.21
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	2.95	3.3	2.97	2.52	2.36	2.05	1.54
CFO/Total Liabilities	50.14	73.08	26.66	91.54	107.87	38.34	17.68	1.22	15.17	12.66	-2.24	-4.37	-8.25	44.11	47.24
CFO/CapEx	1.97	13.27	8.1	26.59	47.41	12.99	5.52	0.33	2.45	4.61	-1.25	-1.15	-0.86	5.98	6.57
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.22	4.95

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	6.3	5.2	5.53	6.89	8.13	5.82	4.56	3.92	4.15	3.6	3.76	3.6	3.63	4.03	4.33
Days Sales Outstanding	57.89	70.13	66.04	52.99	44.91	62.75	80.08	93.05	87.86	101.49	97.13	101.45	100.54	90.52	84.22
Inventory Turnover	4.48	3.14	2.49	2.55	3.59	3.24	3.99	4.9	5	4.11	6.11	6.29	5.61	5.21	6
Days Inventory Outstanding	81.38	116.3	146.62	143.14	101.58	112.61	91.47	74.53	72.98	88.81	59.79	58.04	65.1	70.08	60.78
Accounts Payable Turnover	8.07	7.57	8.79	9.86	8.69	6.6	6.26	8.76	10.09	7.37	9.91	5.64	4.65	4.15	4.7
Accounts Payable Turnover Days	45.24	48.23	41.53	37.01	42.01	55.32	58.3	41.68	36.16	49.5	36.84	64.66	78.53	87.94	77.7
Cash Conversion Cycle	94.04	138.2	171.13	159.13	104.49	120.03	113.25	125.91	124.68	140.8	120.07	94.83	87.11	72.67	67.31
Inventory to Cash Days	-23.49	-46.17	-80.58	-90.15	-56.67	-49.86	-11.39	18.53	14.89	12.67	37.34	43.41	35.44	20.44	23.44
Inventories	16	19	26	34	21	17	12	14	20	13	10	12	16	11	10
Raw Materials	6	7	12	16	9	8	5	5	7	5	4	7	9	4	4
Work In Process	10	12	13	18	11	9	7	9	12	8	7	5	7	6	6
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	697	470
- Cash & Cash Equivalents	84	106	99	72	79	49	79	77	84	88	63	96	43	83	70
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	11	12	10	8	7	7	6
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	621	405
Total Capital	136	156	174	206	248	253	238	252	274	270	230	212	166	219	278
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	4.13	4.6	4.43	3.99	4.11	3.16	2.21
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.01	0.02
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.55	1.67
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.68	6.93
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.86	8.37
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	716	489
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	640	424
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.32	10.85
TTM Sales	168	154	155	202	241	192	193	211	253	216	214	219	235	243	243
TTM EBITDA	29	25	19	44	57	20	17	11	26	7	-17	-20	-22	53	59
TTM Operating Income	25	21	14	38	50	10	6	-1	14	-5	-26	-14	-12	49	50
TTM Cash Flow to Firm	17	22	10	42	69	28	18	- -	18	- -	- -	- -	- -	- -	- -
TTM Free Cash Flow to Firm	8	20	9	40	67	26	14	- -	11	- -	- -	- -	- -	- -	- -

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	15.45	9.7
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.86	8.37
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	621	405
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.74	11.18
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.55	1.67
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.68	6.93
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.32	6.59
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.81	8.05
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.87	10.51
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.55	5.86
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.28	1.73
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.61	2.11
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.43	2.75
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.74	1.54
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.19	2.97
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.93	3.63
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.46	4.73
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.29	2.64
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.89	1.98
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.3	2.41
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.02	3.15
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.54	1.76
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.63	8.08
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.06	9.87
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.19	12.88
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.72	7.18
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.3	11.84
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.13	15.46
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.21	8.62
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.97	2.09
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.68	2.81
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.21	1.45
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.01	8.71
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.26	11.7
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.54	6.04
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.69	10.52
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.55	14.13
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.57	7.29
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.32	12.57
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.13	20.04
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	479	509
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	652	685
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	295	353

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	38	39	40	40	40	40	40	40	40	40	40	40	38	38	37
Diluted Weighted Avg Shares	39	39	39	39	40	40	40	40	40	40	40	40	40	39	39
Basic Weighted Avg Shares	38	38	39	39	40	40	40	40	40	40	40	40	40	38	38
Revenue per Share	4.48	4.05	3.99	5.12	6.1	4.84	4.86	5.29	6.33	5.39	5.41	5.46	5.85	6.33	6.36
EBITDA per Share	0.76	0.65	0.48	1.12	1.43	0.51	0.42	0.28	0.64	0.17	-0.43	-0.5	-0.56	1.39	1.53
Operating Income per Share	0.66	0.55	0.35	0.97	1.28	0.24	0.16	-0.02	0.35	-0.13	-0.66	-0.34	-0.29	1.28	1.31
Basic EPS, GAAP	0.48	0.41	0.29	0.85	1.07	0.26	-0.56	0.08	0.2	-0.14	-0.77	-0.36	-0.74	1.49	1.91
Basic EPS from Cont Ops	0.65	0.43	0.28	0.83	1.07	0.26	-0.56	0.08	0.2	-0.14	-0.77	-0.36	-0.74	1.49	1.91
Diluted EPS, GAAP	0.47	0.4	0.28	0.85	1.06	0.26	-0.56	0.08	0.2	-0.14	-0.77	-0.36	-0.74	1.46	1.88
Diluted EPS from Cont Ops	0.63	0.42	0.28	0.83	1.06	0.26	-0.56	0.08	0.2	-0.14	-0.77	-0.36	-0.74	1.46	1.88
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.48
Cash Flow per Share	0.44	0.58	0.26	1.06	1.74	0.72	0.44	0.03	0.46	0.37	-0.07	-0.14	-0.27	1.45	1.56
Free Cash Flow per Basic Share	0.22	0.54	0.23	1.02	1.7	0.66	0.36	-0.06	0.27	0.29	-0.12	-0.27	-0.58	1.21	1.32
Cash & Equivalents per Share	2.21	2.72	2.49	3.46	3.08	3.6	3.95	2.47	2.73	2.87	2.46	2.48	1.15	2.19	1.89
Book Value per Share	3.56	3.99	4.4	5.19	6.18	6.31	5.94	6.28	6.52	6.42	5.49	5.12	4.24	5.58	7.28
Tangible Book Value per Share	3.01	3.49	3.38	4.31	3.22	3.8	3.59	2.86	3.27	3.31	2.56	2.53	1.46	2.96	4.24