Exchange Bankshares, Inc. Financial Ratios — EXCH Stock

Profitability (USD)

	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	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 (%)	- -	28.86	-35.91	7.63	-15.53	26.89	13.12	12.72	11.84	12.54	12.42	12.49
Return on Assets (%)	- -	0.56	-1	0.28	-0.38	1.81	1.1	1	0.96	1.11	1.17	1.22
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	43.1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-68.57	23.39	-29.24	11.07	-88.37	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-68.57	17.6	-33.97	5.37	-88.37	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-12,467.65	- -	-452.12	- -	45.78	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	17.6	-33.97	5.37	-13.95	34.66	30.01	32.18	30.03	35.21	35.53	34.04
Profit Margin (%)	- -	12.1	-22.11	6.68	-9.1	26.74	23.89	25.6	24.5	27.97	28.04	27.07
Net Income to Common Margin (%)	- -	12.1	-22.11	6.68	-9.1	26.74	23.89	25.6	24.5	27.97	28.04	27.07
Effective Tax Rate (%)	- -	31.24	- -	- -	- -	22.86	20.4	20.43	18.41	20.58	21.08	20.48
Dvd Payout Ratio (%)	- -	49.49	-13.39	48.5	- -	17.3	18.54	18.55	19.39	18.78	19.13	18.01
Sustainable Growth Rate (%)	- -	14.57	-40.72	3.93	-15.53	22.24	10.68	10.36	9.54	10.19	10.04	10.24

Credit (USD)

API ChatGPT

	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	3	- -	- -	- -	- -	- -	- -	- -	- -	20	25	31
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	3	- -	- -	- -	- -	- -	- -	- -	- -	20	25	31
Total Debt/EBITDA	-0.78	0.1	-0.07	0.17	-0.02	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-0.78	0.1	2.18	-4.56	-0.02	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	-0.78	0.13	-0.06	0.36	-0.02	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-0.78	0.13	1.88	-9.4	-0.02	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.84	2.07	3.49	3.94	0.79	8.8	8.04	7.72	8.55	9.19	9.62	9.91
Long-Term Debt/Equity (%)	- -	- -	1.08	0.93	- -	0.33	0.28	- -	- -	50.27	57.77	64.78
Long-Term Debt/Capital (%)	58.11	4.95	2.52	2.09	9.33	0.52	0.44	- -	- -	36.21	39.69	42.41
Long-Term Debt/Total Assets (%)	2.55	0.11	0.09	0.08	0.08	0.05	0.04	- -	- -	5.22	6.33	7.3
Total Debt/Equity (%)	- -	- -	1.08	0.93	- -	0.33	0.28	- -	- -	50.27	57.77	64.78
Total Debt/Capital (%)	58.11	4.95	2.52	2.09	9.33	0.52	0.44	- -	- -	36.21	39.69	42.41
Total Debt/Total Assets (%)	2.55	0.11	0.09	0.08	0.08	0.05	0.04	- -	- -	5.22	6.33	7.3
Net Debt to Equity	- -	- -	-34.16	-24.73	- -	-60.53	-50.12	-92.95	-24.65	-19.89	-21.35	-16.67
Net Debt/Capital (%)	58.11	4.95	-440.56	-130.37	9.33	-2,587.37	-377.16	405.69	-38.67	-16.71	-17.18	-12.25
EBITDA	-3	1	-1	- -	-4	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-3	1	-2	- -	-4	- -	- -	- -	- -	-1	- -	-4
Operating Income (Loss)	-3	1	-2	- -	-4	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	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	1.84	2.07	3.49	3.94	0.79	8.8	8.04	7.72	8.55	9.19	9.62	9.91
Long-Term Debt/Equity (%)	- -	- -	1.08	0.93	- -	0.33	0.28	- -	- -	50.27	57.77	64.78
Long-Term Debt/Capital (%)	58.11	4.95	2.52	2.09	9.33	0.52	0.44	- -	- -	36.21	39.69	42.41
Long-Term Debt/Total Assets (%)	2.55	0.11	0.09	0.08	0.08	0.05	0.04	- -	- -	5.22	6.33	7.3
Total Debt/Equity (%)	- -	- -	1.08	0.93	- -	0.33	0.28	- -	- -	50.27	57.77	64.78
Total Debt/Capital (%)	58.11	4.95	2.52	2.09	9.33	0.52	0.44	- -	- -	36.21	39.69	42.41
Total Debt/Total Assets (%)	2.55	0.11	0.09	0.08	0.08	0.05	0.04	- -	- -	5.22	6.33	7.3
CFO/Total Liabilities	- -	- -	0.51	1.56	- -	1.55	0.6	1.59	1.83	1.86	1.41	2.17
CFO/CapEx	- -	4.08	2.58	3.91	- -	7.1	4.34	31.2	35.72	11.98	18.43	2.1
Altman's Z-Score	- -	- -	0.01	0.17	- -	0.24	0.2	0.19	0.2	0.21	0.22	0.18

Working Capital (USD)

API ChatGPT

	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	6.05	3.1	6.35	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	60.36	117.59	57.46	- -	- -	- -	- -	- -	- -	- -
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)

API ChatGPT

	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	11	- -	- -	16	- -	30	22	27	27	24	29	- -
- Cash & Cash Equivalents	- -	- -	3	2	- -	22	20	37	9	8	9	8
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	3	- -	- -	- -	- -	- -	- -	- -	- -	20	25	31
Enterprise Value	13	- -	-3	14	- -	8	2	-10	18	36	44	23
Total Capital	5	2	4	4	1	23	26	28	31	54	63	73
Total Debt/Capital (%)	58.11	4.95	2.52	2.09	9.33	0.52	0.44	- -	- -	36.21	39.69	42.41
Total Debt / EV	0.2	1	-0.03	0.01	1	0.02	0.06	- -	- -	0.54	0.56	1.35
EV/Sales	2.67	0.02	1.73	3.14	0.02	0.66	0.15	- -	1.29	2.44	2.77	1.25
EV/EBITDA	- -	0.1	- -	28.36	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	0.13	- -	58.48	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	0.11	16.51	9.76	0.08	2.26	1.17	- -	3.06	5.74	8.94	2.82
EV/Free Cash Flow to Firm	- -	0.09	11.9	7.77	0.08	1.98	0.95	- -	2.98	5.3	8.48	1.91
Diluted Market Cap	11	- -	- -	16	- -	30	22	27	27	24	29	- -
Diluted Enterprise Value	13	- -	-3	14	- -	8	2	-10	18	36	44	23
EV per Share	22.5	0.2	14.58	24.12	- -	12.61	3.16	- -	30.34	59.63	74.32	- -
TTM Sales	5	5	5	5	4	12	13	13	14	15	16	18
TTM EBITDA	-3	1	-1	- -	-4	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-3	1	-2	- -	-4	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	1	1	1	1	3	2	5	6	6	5	8
TTM Free Cash Flow to Firm	- -	1	1	2	1	4	2	5	6	7	5	12

Multiples (USD)

API ChatGPT

	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	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	7.46	- -	- -	9.02	- -	7.55	10.84	5.13	4.38	3.55	5.47	- -
EV/EBIT	- -	0.13	- -	58.48	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	13	- -	-3	14	- -	8	2	-10	18	36	44	23
Low Price	15	- -	- -	26	28	43.1	32	36	44.6	39.76	37.5	47.9
EV/Sales	2.67	0.02	1.73	3.14	0.02	0.66	0.15	- -	1.29	2.44	2.77	1.25
EV/EBITDA	- -	0.1	- -	28.36	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	54.57	- -	9.42	6.95	8.02	7.72	5.86	6.36	- -
Price/Earnings Average	- -	- -	- -	51.65	- -	8.92	7.73	7.54	8.32	6.33	5.44	- -
Price/Earnings High	- -	- -	- -	54.57	- -	9.42	9.56	8.89	9.52	7.18	6.38	- -
Price/Earnings Low	- -	- -	- -	50.67	- -	8.45	6.18	6.4	7.72	5.82	4.98	- -
Price/Book Value	5.56	- -	- -	4.09	- -	1.31	0.87	0.97	0.87	0.7	0.75	- -
Price/Book Value Average	5.63	- -	- -	3.87	- -	1.24	0.96	0.91	0.94	0.76	0.64	- -
Price/Book Value High	6.64	- -	- -	4.09	- -	1.31	1.19	1.07	1.08	0.86	0.75	- -
Price/Book Value Low	4.63	- -	- -	3.79	- -	1.17	0.77	0.77	0.87	0.69	0.59	- -
Price/Tangible Book Value	-117.1	- -	- -	1.79	- -	0.82	0.55	0.68	0.77	0.62	0.66	- -
Price/Tangible Book Value Average	-118.73	- -	- -	1.69	- -	0.77	0.61	0.64	0.83	0.67	0.57	- -
Price/Tangible Book Value High	-139.87	- -	- -	1.79	- -	0.82	0.75	0.75	0.95	0.76	0.66	- -
Price/Tangible Book Value Low	-97.58	- -	- -	1.66	- -	0.73	0.49	0.54	0.77	0.62	0.52	- -
Price/Sales	2.14	- -	- -	3.64	- -	2.52	1.66	2.05	1.89	1.64	1.78	- -
Price/Sales Average	2.17	- -	- -	3.45	- -	2.39	1.85	1.93	2.04	1.77	1.53	- -
Price/Sales High	2.56	- -	- -	3.64	- -	2.52	2.28	2.28	2.33	2.01	1.79	- -
Price/Sales Low	1.78	- -	- -	3.38	- -	2.26	1.48	1.64	1.89	1.63	1.4	- -
Price/Cash Flow	7.46	- -	- -	11.33	- -	8.61	13.34	5.29	4.5	3.85	5.77	- -
Price/Cash Flow Average	7.57	- -	- -	10.72	- -	8.16	14.82	4.97	4.85	4.16	4.93	- -
Price/Cash Flow High	8.92	- -	- -	11.33	- -	8.61	18.34	5.87	5.55	4.72	5.78	- -
Price/Cash Flow Low	6.22	- -	- -	10.52	- -	7.73	11.85	4.23	4.5	3.83	4.51	- -
Price/Free Cash Flow Average	7.57	- -	- -	8.54	- -	7.15	12.05	4.82	4.71	3.84	4.68	- -
Price/Free Cash Flow High	8.92	- -	- -	9.02	- -	7.55	14.9	5.69	5.4	4.35	5.48	- -
Price/Free Cash Flow Low	6.22	- -	- -	8.38	- -	6.78	9.63	4.09	4.38	3.53	4.28	- -
EV/Sales Average	2.7	0.02	1.17	2.94	0.02	0.53	0.33	- -	1.43	2.57	2.51	1.25
EV/Sales High	3.09	0.02	1.73	3.14	0.02	0.66	0.77	- -	1.73	2.81	2.77	1.25
EV/Sales Low	2.32	0.02	1.06	2.88	0.02	0.4	- -	- -	1.29	2.43	2.38	1.25
EV/EBITDA Average	-3.94	0.1	2.18	26.6	-0.02	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-4.51	0.1	2.18	28.36	-0.02	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-3.38	0.1	2.18	26.01	-0.02	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-3.94	0.13	1.88	54.84	-0.02	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-4.51	0.13	1.88	58.48	-0.02	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-3.38	0.13	1.88	53.63	-0.02	- -	- -	- -	- -	- -	- -	- -
Last Price	18	- -	- -	28	31	48	36	45.1	44.6	40	47.9	69.9
High Price	21.5	- -	- -	28	32	48	49.5	50	55	49	48	69.91
Enterprise Value Average	13	- -	-3	13	- -	6	4	-12	20	38	40	23
Enterprise Value High	15	- -	-3	14	- -	8	10	-7	25	41	44	23
Enterprise Value Low	11	- -	-3	13	- -	5	-1	-16	18	36	38	23

Shares Outstanding	1	- -	1	1	- -	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	- -	1	1	1	1	1	1	- -
Basic Weighted Avg Shares	1	1	1	1	- -	1	1	1	1	1	1	- -
Revenue per Share	8.41	8.35	8.41	7.68	- -	19.06	21.67	21.97	23.58	24.42	26.85	- -
EBITDA per Share	-5.77	1.95	-2.46	0.85	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-5.77	1.47	-2.86	0.41	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	1.01	-1.86	0.51	- -	5.1	5.18	5.62	5.78	6.83	7.53	- -
Basic EPS from Cont Ops	- -	1.01	-1.86	0.51	- -	5.1	5.18	5.62	5.78	6.83	7.53	- -
Diluted EPS, GAAP	- -	1.01	-1.86	0.51	- -	5.1	5.18	5.62	5.78	6.83	7.53	- -
Diluted EPS from Cont Ops	- -	1.01	-1.86	0.51	- -	5.1	5.18	5.62	5.78	6.83	7.53	- -
Dividend per Share	0.49	0.5	0.25	0.25	- -	0.88	0.96	1.04	1.12	1.28	1.44	- -
Cash Flow per Share	2.41	1.78	0.88	2.47	- -	5.58	2.7	8.52	9.91	10.39	8.31	- -
Free Cash Flow per Basic Share	2.41	1.34	0.54	1.84	- -	4.79	2.08	8.25	9.64	9.52	7.86	- -
Cash & Equivalents per Share	- -	- -	5.54	4.02	- -	35.58	33.02	61.74	14.26	12.85	15.48	- -
Book Value per Share	3.24	3.77	6.59	6.85	- -	36.76	41.59	46.52	51.14	57.22	63.67	- -
Tangible Book Value per Share	-0.15	-0.14	15.58	15.68	- -	58.78	65.89	66.42	57.86	64.6	72.53	- -

Exchange Bankshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)