Delhi Bank Corp. Financial Ratios — DWNX Stock

Profitability (USD)

	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	12/31/2013	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	7.32	6.41	7.81	5.65	4.97	14.31
Return on Assets (%)	- -	1.31	0.61	0.45	0.5	0.79	0.92	0.69	0.56	0.67	0.51	0.46	0.67
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.62	26.22	24.5	20.91	27.11	30.33	33.28	28.09	26.68	31.91	24.68	22.57	29.5
Profit Margin (%)	18.92	21.11	19.85	15.6	16.94	25.1	26.98	22.85	21.75	25.76	20.12	18.41	23.95
Net Income to Common Margin (%)	18.92	21.11	19.85	15.6	16.94	25.1	26.98	22.85	21.75	25.76	20.12	18.41	23.95
Effective Tax Rate (%)	19.9	19.51	19	25.38	37.51	17.24	18.91	18.65	18.51	19.27	18.47	18.44	18.82
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	41.85	54.12	60.57	49.43	67.58	76.18	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	11.05	3.36	2.53	3.95	1.83	1.18	14.31

Credit (USD)

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	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	12/31/2013	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	- -	1	- -	20	3	- -	8	- -	- -	- -	16	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	1	- -	20	3	- -	8	- -	- -	- -	16	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	- -	- -	- -	- -	- -	9.65	9.16	8.36	8.89	9.18	9.39	- -
Long-Term Debt/Equity (%)	- -	2.5	1.71	77.76	13.23	1.02	24.67	0.42	0.34	0.86	56.59	0.08	0.49
Long-Term Debt/Capital (%)	- -	100	100	100	100	100	21.2	0.45	0.36	0.7	31.97	0.07	100
Long-Term Debt/Total Assets (%)	- -	0.22	0.16	6.59	1.11	0.1	2.59	0.04	0.03	0.06	4.31	0.01	0.04
Total Debt/Equity (%)	- -	2.5	1.71	77.76	13.23	1.02	24.67	0.42	0.34	0.86	56.59	0.08	0.49
Total Debt/Capital (%)	- -	100	100	100	100	100	21.2	0.45	0.36	0.7	31.97	0.07	100
Total Debt/Total Assets (%)	- -	0.22	0.16	6.59	1.11	0.1	2.59	0.04	0.03	0.06	4.31	0.01	0.04
Net Debt to Equity	- -	-18.57	-62.95	-12.23	-13.86	-27.56	-102.98	-124.88	-133.82	-106.85	-73.67	-83.65	-30.29
Net Debt/Capital (%)	- -	115.53	102.8	-18.66	2,200.89	103.84	-769.06	383.5	338.17	-685.21	-71.28	-208.57	101.64
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	-2	-1	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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	12/31/2013	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	- -	- -	- -	- -	- -	9.65	9.16	8.36	8.89	9.18	9.39	- -
Long-Term Debt/Equity (%)	- -	2.5	1.71	77.76	13.23	1.02	24.67	0.42	0.34	0.86	56.59	0.08	0.49
Long-Term Debt/Capital (%)	- -	100	100	100	100	100	21.2	0.45	0.36	0.7	31.97	0.07	100
Long-Term Debt/Total Assets (%)	- -	0.22	0.16	6.59	1.11	0.1	2.59	0.04	0.03	0.06	4.31	0.01	0.04
Total Debt/Equity (%)	- -	2.5	1.71	77.76	13.23	1.02	24.67	0.42	0.34	0.86	56.59	0.08	0.49
Total Debt/Capital (%)	- -	100	100	100	100	100	21.2	0.45	0.36	0.7	31.97	0.07	100
Total Debt/Total Assets (%)	- -	0.22	0.16	6.59	1.11	0.1	2.59	0.04	0.03	0.06	4.31	0.01	0.04
CFO/Total Liabilities	- -	- -	- -	- -	- -	- -	1.44	0.94	0.91	0.85	0.96	0.76	- -
CFO/CapEx	- -	- -	- -	- -	- -	- -	13.56	26.03	1.97	3.95	36.85	31.87	- -
Altman's Z-Score	- -	0.13	0.13	0.12	0.12	0.14	0.28	0.25	0.24	0.26	0.26	0.27	0.03

Working Capital (USD)

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	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	12/31/2013	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

- -

Days Sales Outstanding

- -

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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	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	12/31/2013	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	40	42	42	42	43	49	52	56	62	68	70	70	- -
- Cash & Cash Equivalents	- -	5	17	3	4	8	32	43	46	29	21	23	9
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	1	- -	20	3	- -	8	- -	- -	- -	16	- -	- -
Enterprise Value	40	37	26	59	43	41	28	14	17	39	65	47	-9
Total Capital	- -	1	- -	20	3	- -	36	31	32	34	50	35	- -
Total Debt/Capital (%)	- -	100	100	100	100	100	21.2	0.45	0.36	0.7	31.97	0.07	100
Total Debt / EV	- -	0.02	0.02	0.34	0.08	0.01	0.27	0.01	0.01	0.01	0.25	- -	-0.02
EV/Sales	4.37	4.27	3	6.93	4.68	4.3	2.79	1.41	1.79	3.94	6.82	5.07	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	7.36	4.67	5.25	13.16	19.69	18.2	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	6.85	4.5	3.48	10.5	19.16	17.65	- -
Diluted Market Cap	40	42	42	42	43	49	52	56	62	68	70	70	71
Diluted Enterprise Value	40	37	26	59	43	41	28	14	17	39	65	47	61
EV per Share	13.5	12.53	8.55	19.53	14.08	13.37	8.89	4.21	5.1	11.6	19.07	13.76	- -
TTM Sales	9	9	9	9	9	10	10	10	9	10	9	9	10
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	4	3	3	3	3	3	- -
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	4	3	5	4	3	3	- -

Multiples (USD)

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	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	12/31/2013	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	- -	- -	- -	- -	- -	- -	12.82	18.61	12.96	18.33	20.6	26.42	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	40	37	26	59	43	41	28	14	17	39	65	47	-9
Low Price	12.5	13.25	13.5	13.25	13.75	14.13	15.75	16.5	17.42	18.67	19.5	20	20.25
EV/Sales	4.37	4.27	3	6.93	4.68	4.3	2.79	1.41	1.79	3.94	6.82	5.07	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	23.08	22.39	24.57	31.59	27.71	20.19	19.32	25.49	30.72	26.67	36.44	41.2	- -
Price/Earnings Average	22.51	21.95	24.27	31.31	27.41	19.13	18.66	24.76	29.71	26.45	36.02	40.97	- -
Price/Earnings High	23.08	22.58	24.57	40.18	27.71	20.68	19.32	25.5	59.83	32.27	36.44	41.5	- -
Price/Earnings Low	21.37	21.37	23.89	30.11	26.96	18.12	18.29	24.14	28.17	24.59	34.66	40	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	1.83	1.79	1.94	2.04	2.04	2.04	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	1.77	1.73	1.88	2.02	2.02	2.02	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	1.83	1.79	3.78	2.47	2.04	2.05	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	1.74	1.69	1.78	1.88	1.94	1.98	- -
Price/Tangible Book Value	- -	1.65	1.59	1.62	1.65	1.76	1.68	1.64	1.83	2.48	2.46	2.52	- -
Price/Tangible Book Value Average	- -	1.62	1.58	1.6	1.63	1.67	1.62	1.59	1.77	2.46	2.43	2.5	- -
Price/Tangible Book Value High	- -	1.67	1.59	2.06	1.65	1.8	1.68	1.64	3.55	3	2.46	2.54	- -
Price/Tangible Book Value Low	- -	1.58	1.55	1.54	1.6	1.58	1.59	1.55	1.67	2.29	2.34	2.44	- -
Price/Sales	4.37	4.72	4.88	4.93	4.69	5.07	5.21	5.82	6.68	6.87	7.33	7.59	- -
Price/Sales Average	4.26	4.63	4.82	4.88	4.64	4.8	5.03	5.66	6.46	6.81	7.25	7.54	- -
Price/Sales High	4.37	4.77	4.88	6.27	4.69	5.19	5.21	5.83	13.01	8.31	7.33	7.64	- -
Price/Sales Low	4.04	4.51	4.74	4.7	4.57	4.55	4.94	5.52	6.13	6.33	6.98	7.36	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	13.77	19.32	19.54	22.97	21.16	27.25	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	13.3	18.77	18.9	22.78	20.91	27.09	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	13.77	19.33	38.05	27.79	21.16	27.45	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	13.04	18.3	17.91	21.18	20.12	26.45	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	12.38	18.08	12.53	18.18	20.36	26.27	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	12.82	18.62	25.24	22.18	20.6	26.61	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	12.14	17.63	11.88	16.9	19.59	25.65	- -
EV/Sales Average	4.26	4.17	2.94	6.88	4.62	4.04	2.61	1.24	1.58	3.88	6.74	5.02	- -
EV/Sales High	4.37	4.31	3	8.27	4.68	4.43	2.79	1.41	8.12	5.38	6.82	5.12	- -
EV/Sales Low	4.04	4.05	2.87	6.69	4.55	3.78	2.51	1.1	1.24	3.4	6.47	4.85	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.5	13.88	13.88	13.9	14.13	15.75	16.63	17.42	19	20.25	20.5	20.6	20.85
High Price	13.5	14	13.88	17.68	14.13	16.13	16.63	17.43	37	24.5	20.5	20.75	21.32
Enterprise Value Average	39	37	26	59	43	39	26	12	15	39	64	47	-9
Enterprise Value High	40	38	26	71	43	42	28	14	76	53	65	47	-9
Enterprise Value Low	37	36	25	57	42	36	25	11	12	34	61	45	-9

Shares Outstanding	- -	3	3	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3	- -
Revenue per Share	3.09	2.94	2.85	2.82	3.01	3.11	3.19	2.99	2.84	2.95	2.8	2.72	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.58	0.62	0.57	0.44	0.51	0.78	0.86	0.68	0.62	0.76	0.56	0.5	- -
Basic EPS from Cont Ops	0.58	0.62	0.57	0.44	0.51	0.78	0.86	0.68	0.62	0.76	0.56	0.5	- -
Diluted EPS, GAAP	0.58	0.62	0.57	0.44	0.51	0.78	0.86	0.68	0.62	0.76	0.56	0.5	0.73
Diluted EPS from Cont Ops	0.58	0.62	0.57	0.44	0.51	0.78	0.86	0.68	0.62	0.76	0.56	0.5	0.73
Dividend per Share	- -	- -	- -	- -	- -	- -	0.36	0.37	0.37	0.38	0.38	0.38	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	1.21	0.9	0.97	0.88	0.97	0.76	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	1.12	0.87	0.48	0.66	0.94	0.73	- -
Cash & Equivalents per Share	- -	1.56	5.48	1.05	1.19	2.47	10.18	13.26	13.93	8.72	6.15	6.85	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	9.06	9.76	9.78	9.92	10.05	10.12	- -
Tangible Book Value per Share	- -	8.39	8.71	8.59	8.58	8.96	9.88	10.61	10.41	8.16	8.34	8.18	- -

Delhi Bank Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)