Equitable Financial Corp. Financial Ratios — EQFN Stock

Profitability (USD)

	2006 Y	2007 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	06/30/2006	06/30/2007	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023

Return on Common Equity (%)	- -	-11.51	9.55	13.39	9.81	10.39	10.66	10.75	15.64	21.03	18.6	12.47
Return on Assets (%)	- -	-0.77	0.53	0.65	0.48	0.52	0.52	0.52	0.73	1.04	1.05	0.77
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.83	8.07	3.48	3.77	3.54	3.38	3.43	4.53	4.35	3.68	4.37	4.46
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-22.39	-38.6	20.09	23.46	15.9	17.74	20.94	15.2	20.52	26.4	28.19	23.46
Profit Margin (%)	-16.6	-26.52	12.46	15.1	10.85	11.43	11.56	11.34	15.67	20.99	21.74	18.03
Net Income to Common Margin (%)	-16.6	-26.52	12.46	15.1	10.85	11.43	11.56	11.34	15.67	20.99	21.74	18.03
Effective Tax Rate (%)	- -	- -	37.98	35.64	31.76	35.54	44.8	25.35	23.67	20.5	22.88	23.15
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-11.51	9.55	13.39	9.81	10.39	10.66	10.75	15.64	21.03	18.6	12.47

Credit (USD)

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	2006 Y	2007 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	06/30/2006	06/30/2007	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023

Total Debt	31	31	11	- -	- -	7	7	5	24	12	8	16
ST Debt	- -	- -	- -	- -	- -	- -	2	- -	- -	1	2	1
LT Debt	31	31	11	- -	- -	7	5	5	24	11	6	15
Total Debt/EBITDA	108.47	71.89	39.64	- -	- -	19.57	15.64	7.92	32.85	15.9	8.48	17.69
Net Debt/EBITDA	99.99	66.29	6.41	-68.82	-43.5	6.2	4.28	0.7	11.84	-23.9	-3.51	7.93
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.19	6.26	4.91	4.75	5.01	4.93	4.91	4.69	4.6	5.3	5.93	6.35
Long-Term Debt/Equity (%)	122.25	132.96	53.86	- -	- -	18.54	13.31	13.08	62.34	26.64	13.62	32.28
Long-Term Debt/Capital (%)	70.42	72.76	54.65	- -	- -	34.32	24.44	24.39	56.97	32.1	17.24	32.43
Long-Term Debt/Total Assets (%)	17.12	16.74	5.92	- -	- -	2.66	1.76	1.51	6.09	2.6	1.32	3.12
Total Debt/Equity (%)	122.25	132.96	53.86	- -	- -	19.63	17.42	13.08	62.34	28.77	17.76	33.76
Total Debt/Capital (%)	70.42	72.76	54.65	- -	- -	36.35	31.98	24.39	56.97	34.67	22.49	33.92
Total Debt/Total Assets (%)	17.12	16.74	5.92	- -	- -	2.81	2.31	1.51	6.09	2.81	1.72	3.26
Net Debt to Equity	112.69	122.61	8.71	-102.63	-40.91	6.22	4.76	1.15	22.47	-43.25	-7.35	15.13
Net Debt/Capital (%)	68.7	71.13	16.31	186.63	406.99	15.32	11.39	2.76	32.31	-394.33	-13.63	18.7
EBITDA	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	1
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -	-1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2006 Y	2007 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	06/30/2006	06/30/2007	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.19	6.26	4.91	4.75	5.01	4.93	4.91	4.69	4.6	5.3	5.93	6.35
Long-Term Debt/Equity (%)	122.25	132.96	53.86	- -	- -	18.54	13.31	13.08	62.34	26.64	13.62	32.28
Long-Term Debt/Capital (%)	70.42	72.76	54.65	- -	- -	34.32	24.44	24.39	56.97	32.1	17.24	32.43
Long-Term Debt/Total Assets (%)	17.12	16.74	5.92	- -	- -	2.66	1.76	1.51	6.09	2.6	1.32	3.12
Total Debt/Equity (%)	122.25	132.96	53.86	- -	- -	19.63	17.42	13.08	62.34	28.77	17.76	33.76
Total Debt/Capital (%)	70.42	72.76	54.65	- -	- -	36.35	31.98	24.39	56.97	34.67	22.49	33.92
Total Debt/Total Assets (%)	17.12	16.74	5.92	- -	- -	2.81	2.31	1.51	6.09	2.81	1.72	3.26
CFO/Total Liabilities	-0.94	-1.22	1.14	1	1.76	1.29	1.42	1.31	0.8	1.16	1.13	1.36
CFO/CapEx	- -	- -	11.55	4.72	26.58	5.67	2.87	4.5	2.41	3.7	1.93	18.32
Altman's Z-Score	0.25	0.22	0.16	0.18	0.2	0.2	0.2	0.19	0.16	0.18	0.19	0.13

Working Capital (USD)

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	2006 Y	2007 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	06/30/2006	06/30/2007	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023

Accounts Receivable Turnover	- -	4.42	7.04	8.37	8.87	8.83	8.46	7.53	7.31	8.83	9.53	7.44
Days Sales Outstanding	- -	82.67	51.83	43.58	41.16	41.32	43.13	48.47	49.94	41.33	38.31	49.05
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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	2006 Y	2007 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	06/30/2006	06/30/2007	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023

Market Capitalization	30	28	14	25	27	34	36	41	33	39	39	- -
- Cash & Cash Equivalents	2	2	9	22	15	5	5	5	15	30	11	9
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	31	31	11	- -	- -	7	7	5	24	12	8	16
Enterprise Value	58	56	15	3	12	35	36	32	24	-1	4	-23
Total Capital	43	42	20	10	11	20	20	20	42	34	35	46
Total Debt/Capital (%)	70.42	72.76	54.65	- -	- -	36.35	31.98	24.39	56.97	34.67	22.49	33.92
Total Debt / EV	0.52	0.54	0.74	- -	- -	0.21	0.18	0.16	1.01	-13.62	2.04	-0.68
EV/Sales	10.01	10.68	1.87	0.36	1.19	3.21	2.97	2.28	1.42	- -	0.18	- -
EV/EBITDA	207.2	132.33	53.84	9.58	33.52	94.96	86.66	50.45	32.54	- -	4.17	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	7.94	1.59	3.48	12.4	10.35	8.32	8.3	- -	0.82	- -
EV/Free Cash Flow to Firm	- -	- -	7.31	1.31	3.36	10.54	7.68	6.8	5.87	- -	0.54	- -
Diluted Market Cap	30	28	14	26	27	36	36	41	34	40	39	- -
Diluted Enterprise Value	58	56	16	4	12	38	38	41	42	22	36	7
EV per Share	16.29	17.72	4.77	1	3.53	10.51	10.92	9.53	7.69	- -	1.28	- -
TTM Sales	6	5	8	8	10	11	12	14	17	20	21	20
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-1	-2	2	2	3	3	4	4	3	4	5	6
TTM Free Cash Flow to Firm	-1	-2	2	2	3	3	5	5	4	6	7	6

Multiples (USD)

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	2006 Y	2007 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	06/30/2006	06/30/2007	06/30/2014	06/30/2015	06/30/2016	06/30/2017	06/30/2018	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023

Price/Free Cash Flow	-20.86	-14.42	6.97	10.99	7.97	10.91	7.62	8.77	8.27	7.05	5.53	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	58	56	15	3	12	35	36	32	24	-1	4	-23
Low Price	7.79	8.25	3.62	4.49	7.65	8.31	10	10.3	8.1	9.25	12.55	10.99
EV/Sales	10.01	10.68	1.87	0.36	1.19	3.21	2.97	2.28	1.42	- -	0.18	- -
EV/EBITDA	207.2	132.33	53.84	9.58	33.52	94.96	86.66	50.45	32.54	- -	4.17	- -
Price/Earnings	- -	- -	14.14	19.88	25.72	27.38	25.36	25.78	12.69	9.18	8.51	- -
Price/Earnings Average	-31.56	-21.43	12.47	13.61	25.8	25.38	24.63	24.37	13.3	8.12	8.42	- -
Price/Earnings High	-34.78	-24.89	20.22	19.88	28.14	28.32	25.81	27.04	14.98	9.23	8.77	- -
Price/Earnings Low	-28.85	-18.75	11.4	10.77	23.68	22.2	23.57	21.76	9.52	6.61	8.21	- -
Price/Book Value	2.35	2.45	1.54	2.5	2.41	2.7	2.57	2.63	1.84	1.75	1.45	- -
Price/Book Value Average	2.38	2.62	1.36	1.71	2.41	2.51	2.49	2.49	1.93	1.55	1.43	- -
Price/Book Value High	2.62	3.04	2.2	2.5	2.63	2.8	2.61	2.76	2.17	1.76	1.49	- -
Price/Book Value Low	2.17	2.29	1.24	1.35	2.22	2.19	2.39	2.22	1.38	1.26	1.4	- -
Price/Tangible Book Value	1.21	1.22	0.69	1.19	0.74	0.94	0.99	1.12	0.91	0.99	0.92	- -
Price/Tangible Book Value Average	1.22	1.3	0.61	0.81	0.74	0.87	0.96	1.06	0.95	0.87	0.91	- -
Price/Tangible Book Value High	1.35	1.51	0.98	1.19	0.81	0.97	1.01	1.18	1.07	0.99	0.94	- -
Price/Tangible Book Value Low	1.12	1.14	0.56	0.64	0.68	0.76	0.92	0.95	0.68	0.71	0.89	- -
Price/Sales	5.18	5.33	1.76	3	2.79	3.13	2.93	2.92	1.99	1.93	1.85	- -
Price/Sales Average	5.24	5.68	1.55	2.06	2.8	2.9	2.85	2.76	2.08	1.7	1.83	- -
Price/Sales High	5.77	6.6	2.52	3	3.05	3.24	2.98	3.07	2.35	1.94	1.91	- -
Price/Sales Low	4.79	4.97	1.42	1.63	2.57	2.54	2.72	2.47	1.49	1.39	1.79	- -
Price/Cash Flow	-20.86	-14.42	7.48	13.21	8.2	12.1	10.21	10.65	11.66	8.85	8.38	- -
Price/Cash Flow Average	-21.08	-15.39	6.59	9.04	8.22	11.21	9.91	10.07	12.22	7.83	8.3	- -
Price/Cash Flow High	-23.24	-17.87	10.69	13.21	8.97	12.51	10.39	11.17	13.76	8.9	8.64	- -
Price/Cash Flow Low	-19.28	-13.46	6.03	7.16	7.55	9.81	9.49	8.99	8.74	6.38	8.09	- -
Price/Free Cash Flow Average	-21.08	-15.39	6.15	7.52	7.99	10.11	7.4	8.29	8.67	6.23	5.48	- -
Price/Free Cash Flow High	-23.24	-17.87	9.97	10.99	8.71	11.28	7.75	9.2	9.77	7.08	5.7	- -
Price/Free Cash Flow Low	-19.28	-13.46	5.62	5.95	7.33	8.84	7.08	7.4	6.2	5.08	5.34	- -
EV/Sales Average	10.07	11.03	1.78	- -	1.26	3.11	2.99	2.8	2.6	0.82	1.68	0.35
EV/Sales High	10.6	11.95	2.74	0.41	1.52	3.45	3.13	3.1	2.86	1.06	1.75	0.35
EV/Sales Low	9.62	10.32	1.64	- -	1.03	2.75	2.87	2.5	2.01	0.51	1.63	0.35
EV/EBITDA Average	208.35	136.73	51.09	-14.24	35.68	92.05	87.23	61.75	59.74	22.41	38.41	7.93
EV/EBITDA High	219.41	148.09	78.87	10.89	42.87	101.98	91.21	68.46	65.78	28.72	40.14	7.93
EV/EBITDA Low	199.06	127.92	47.27	-25.65	29.19	81.29	83.67	55.23	46.11	13.8	37.37	7.93
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.43	8.84	4.49	8.29	8.31	10.25	10.76	12.2	10.8	12.84	13	11.15
High Price	9.39	10.95	6.42	8.29	9.09	10.6	10.95	12.8	12.75	12.91	13.4	13
Enterprise Value Average	59	58	14	-5	12	34	36	39	44	17	35	7
Enterprise Value High	62	63	21	3	15	37	38	43	48	21	37	7
Enterprise Value Low	56	54	13	-8	10	30	35	35	34	10	34	7

Shares Outstanding	- -	- -	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	4	3	3	3	3	3	3	3	3	3	3	- -
Basic Weighted Avg Shares	4	3	3	3	3	3	3	3	3	3	3	- -
Revenue per Share	1.63	1.66	2.55	2.76	2.98	3.27	3.67	4.17	5.43	6.67	7.03	- -
EBITDA per Share	0.08	0.13	0.09	0.1	0.11	0.11	0.13	0.19	0.24	0.25	0.31	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.27	-0.44	0.32	0.42	0.32	0.37	0.42	0.47	0.85	1.4	1.53	- -
Basic EPS from Cont Ops	-0.27	-0.44	0.32	0.42	0.32	0.37	0.42	0.47	0.85	1.4	1.53	- -
Diluted EPS, GAAP	-0.27	-0.44	0.31	0.41	0.32	0.35	0.42	0.47	0.85	1.38	1.52	- -
Diluted EPS from Cont Ops	-0.27	-0.44	0.31	0.41	0.32	0.35	0.42	0.47	0.85	1.38	1.52	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.4	-0.61	0.6	0.63	1.01	0.85	1.05	1.15	0.93	1.45	1.55	- -
Free Cash Flow per Basic Share	-0.4	-0.61	0.55	0.49	0.98	0.7	0.69	0.89	0.54	1.06	0.75	- -
Cash & Equivalents per Share	0.67	0.75	3.23	7.29	4.78	1.91	1.81	4.17	10.87	17.03	14.32	- -
Book Value per Share	3.58	3.6	2.91	3.32	3.45	3.79	4.19	4.64	5.86	7.35	8.98	- -
Tangible Book Value per Share	6.98	7.24	6.52	6.97	11.19	10.94	10.88	10.85	11.87	13.03	14.18	- -

Equitable Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)