First National Bank Alaska Financial Ratios — FBAK 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 (%)	8.04	8.85	7.08	7.05	7.52	8.44	7.36	10.78	10.55	10.14	10.24	12.11	13.76	13.66	14.28
Return on Assets (%)	1.25	1.36	1.06	1.02	1.05	1.15	1	1.46	1.47	1.35	1.14	1.07	1.08	1.25	1.54
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	8.84	7.07	7.05	7.52	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.6	50.95	43.97	42.28	42.83	3.77	3.56	3.12	3.17	3.13	2.95	3.08	2.92	2.36	2.02
Operating Margin (%)	- -	46.74	39.49	37.77	38.64	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	295.12	1,898.18	153.09	-1.29	49.23	-561.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	40.47	46.74	39.49	37.77	38.64	42.21	41.95	45.3	46.87	45.73	45.74	46.71	46.69	46.94	48.64
Profit Margin (%)	27.59	30.93	26.66	25.76	26.39	28.29	24.82	34.65	35.24	34.1	34.31	34.8	33.89	35.01	36.23
Net Income to Common Margin (%)	27.59	30.93	26.66	25.76	26.39	28.29	24.82	34.65	35.24	34.1	34.31	34.8	33.89	35.01	36.23
Effective Tax Rate (%)	31.83	33.84	32.49	31.8	31.7	32.97	40.82	23.52	24.82	25.42	24.99	25.48	27.41	25.41	25.52
Dvd Payout Ratio (%)	47.52	40.78	50.08	49.34	44.22	65.17	87.05	66.79	82	88.07	86.74	87.01	84.44	75.57	81.69
Sustainable Growth Rate (%)	4.22	5.24	3.53	3.57	4.2	2.94	0.95	3.58	1.9	1.21	1.36	1.57	2.14	3.34	2.62

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	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	795	15	15
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	795	15	15
Total Debt/EBITDA	0.18	0.01	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	153.65	3.31	3.47
Net Debt/EBITDA	-10.52	-1.79	-1.75	-1.78	-1.39	-14.33	-25.64	-22.26	-25.48	-100.94	-105.84	-18.14	-24.82	-101	-61
Total Debt/EBIT	- -	0.01	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-1.95	-1.94	-2	-1.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.48	15.26	14.58	14.25	13.69	13.65	13.6	13.5	14.38	12.49	9.94	7.64	8.11	10.34	11.16
Long-Term Debt/Equity (%)	0.23	0.17	0.05	0.02	0.01	- -	- -	- -	- -	- -	- -	- -	171.04	2.9	2.64
Long-Term Debt/Capital (%)	0.23	0.17	0.05	0.02	0.01	- -	- -	- -	- -	- -	- -	- -	63.11	2.82	2.57
Long-Term Debt/Total Assets (%)	0.04	0.03	0.01	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.87	0.3	0.29
Total Debt/Equity (%)	0.23	0.17	0.05	0.02	0.01	- -	- -	- -	- -	- -	- -	- -	171.04	2.9	2.64
Total Debt/Capital (%)	0.23	0.17	0.05	0.02	0.01	- -	- -	- -	- -	- -	- -	- -	63.11	2.82	2.57
Total Debt/Total Assets (%)	0.04	0.03	0.01	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.87	0.3	0.29
Net Debt to Equity	-13.75	-25.64	-20.55	-20.22	-16.64	-16.06	-26.98	-21.42	-23.31	-90.76	-95.93	-22.95	-27.63	-88.56	-46.32
Net Debt/Capital (%)	-15.95	-34.45	-25.86	-25.33	-19.95	-19.13	-36.95	-27.26	-30.39	-982.07	-2,356.5	-29.79	-38.18	-773.75	-86.31
EBITDA	6	66	53	53	59	6	5	5	5	5	5	5	5	5	4
EBITDA-CapEx	2	61	45	50	48	3	2	1	-1	2	2	-3	3	2	1
Operating Income (Loss)	- -	61	48	48	53	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.48	15.26	14.58	14.25	13.69	13.65	13.6	13.5	14.38	12.49	9.94	7.64	8.11	10.34	11.16
Long-Term Debt/Equity (%)	0.23	0.17	0.05	0.02	0.01	- -	- -	- -	- -	- -	- -	- -	171.04	2.9	2.64
Long-Term Debt/Capital (%)	0.23	0.17	0.05	0.02	0.01	- -	- -	- -	- -	- -	- -	- -	63.11	2.82	2.57
Long-Term Debt/Total Assets (%)	0.04	0.03	0.01	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.87	0.3	0.29
Total Debt/Equity (%)	0.23	0.17	0.05	0.02	0.01	- -	- -	- -	- -	- -	- -	- -	171.04	2.9	2.64
Total Debt/Capital (%)	0.23	0.17	0.05	0.02	0.01	- -	- -	- -	- -	- -	- -	- -	63.11	2.82	2.57
Total Debt/Total Assets (%)	0.04	0.03	0.01	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.87	0.3	0.29
CFO/Total Liabilities	2.06	1.91	2.52	1.8	1.8	1.92	1.85	1.87	2.01	1.58	1.64	1.63	1.66	0.95	1.71
CFO/CapEx	14.01	10.03	8.48	15	5.06	22.1	16.23	16.08	10.63	20.9	26.13	9.78	36.1	16.56	21.92
Altman's Z-Score	12.78	13.06	13.04	11.01	8.95	10.89	12.65	0.36	0.35	0.26	0.24	0.25	0.22	0.28	0.31

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

- -

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)

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	50,791	54,413	56,445	50,898	44,676	55,499	65,478	798	770	589	735	738	630	738	949
- Cash & Cash Equivalents	62	119	93	95	81	79	134	109	128	532	532	94	923	472	279
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	795	15	15
Enterprise Value	49,176	52,752	54,741	49,059	42,762	53,675	63,753	-908	-947	-1,814	-2,640	-2,171	-291	-1,648	-404
Total Capital	445	461	453	472	489	493	497	507	548	587	555	408	1,260	532	584
Total Debt/Capital (%)	0.23	0.17	0.05	0.02	0.01	- -	- -	- -	- -	- -	- -	- -	63.11	2.82	2.57
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2.73	-0.01	-0.04
EV/Sales	389.45	407.48	451.68	387.74	312.39	366.85	434.46	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	8,469.83	799.78	1,027.23	917.13	729.33	9,720.17	12,192.22	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	871.73	1,143.71	1,026.47	808.44	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	984.54	1,079.24	819.01	959.2	770.77	896.96	1,090.84	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	918.95	981.36	732.59	899.25	643.57	858.12	1,027.51	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	51,019	54,740	56,689	51,061	44,845	55,570	65,484	799	770	589	735	738	630	738	949
Diluted Enterprise Value	50,958	54,622	56,596	50,966	44,763	55,491	65,350	690	642	56	203	644	501	281	686
EV per Share	14,910.39	16,238.64	16,981.63	15,306.33	13,428.99	16,924.68	20,106.14	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	126	129	121	127	137	146	147	156	158	169	170	167	177	192	214
TTM EBITDA	6	66	53	53	59	6	5	5	5	5	5	5	5	5	4
TTM Operating Income	- -	61	48	48	53	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	50	49	67	51	55	60	58	61	66	65	82	81	87	43	77
TTM Free Cash Flow to Firm	54	54	75	55	66	63	62	65	72	68	86	89	90	45	81

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	953.39	1,018.34	758.66	935.94	674.91	888.43	1,055.41	12.38	10.73	8.66	8.58	8.31	7.02	16.28	11.72
EV/EBIT	- -	871.73	1,143.71	1,026.47	808.44	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	49,176	52,752	54,741	49,059	42,762	53,675	63,753	-908	-947	-1,814	-2,640	-2,171	-291	-1,648	-404
Low Price	14,150	15,275	16,600	15,810	14,020.2	12,570	16,000	216	221	125	185.26	220	178.6	186	218
EV/Sales	389.45	407.48	451.68	387.74	312.39	366.85	434.46	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	8,469.83	799.78	1,027.23	917.13	729.33	9,720.17	12,192.22	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	1,464.34	1,367.24	1,754.43	1,566.53	1,241.37	1,342.53	1,797.67	14.76	13.84	10.23	12.58	12.67	10.5	11.01	12.24
Price/Earnings Average	1,581.37	1,308.15	1,747.01	1,698.46	1,349.83	1,146.19	1,528.39	809.01	14.13	11.14	12.36	13.5	10.66	9.64	10.52
Price/Earnings High	1,759.11	1,448.86	1,833.59	1,741.14	1,424.52	1,342.53	2,095.83	1,616.37	15.67	14.31	13.25	14.9	12.56	11.52	12.58
Price/Earnings Low	1,345.48	1,246.84	1,663.25	1,559.63	1,240.5	964.32	1,392.87	12.65	12.58	6.88	10.04	11.96	9.43	8.79	8.9
Price/Book Value	114.32	118.26	124.73	107.88	91.44	112.64	131.78	1.58	1.41	1	1.32	1.81	1.36	1.43	1.67
Price/Book Value Average	123.46	113.15	124.2	116.96	99.43	96.16	112.04	86.33	1.44	1.09	1.3	1.93	1.38	1.25	1.43
Price/Book Value High	137.34	125.32	130.36	119.9	104.94	112.64	153.64	172.48	1.59	1.4	1.4	2.13	1.62	1.5	1.71
Price/Book Value Low	105.04	107.84	118.25	107.4	91.38	80.9	102.1	1.35	1.28	0.67	1.06	1.71	1.22	1.14	1.21
Price/Tangible Book Value	114.32	118.26	124.73	107.88	91.44	112.64	131.78	1.58	1.41	1	1.32	1.81	1.36	1.43	1.67
Price/Tangible Book Value Average	123.46	113.15	124.2	116.96	99.43	96.16	112.04	86.33	1.44	1.09	1.3	1.93	1.38	1.25	1.43
Price/Tangible Book Value High	137.34	125.32	130.36	119.9	104.94	112.64	153.64	172.48	1.59	1.4	1.4	2.13	1.62	1.5	1.71
Price/Tangible Book Value Low	105.04	107.84	118.25	107.4	91.38	80.9	102.1	1.35	1.28	0.67	1.06	1.71	1.22	1.14	1.21
Price/Sales	404.04	422.84	467.75	403.57	327.6	379.8	446.25	5.12	4.88	3.49	4.31	4.41	3.56	3.86	4.43
Price/Sales Average	436.34	404.56	465.77	437.55	356.23	324.26	379.4	280.3	4.98	3.8	4.24	4.7	3.61	3.37	3.81
Price/Sales High	485.38	448.08	488.86	448.55	375.94	379.8	520.27	560.03	5.52	4.88	4.55	5.19	4.26	4.03	4.56
Price/Sales Low	371.25	385.6	443.44	401.79	327.37	272.81	345.76	4.38	4.43	2.35	3.45	4.16	3.19	3.08	3.23
Price/Cash Flow	1,021.44	1,119.91	848.16	998.34	808.3	928.63	1,120.45	13.15	11.74	9.07	8.91	9.16	7.22	17.27	12.25
Price/Cash Flow Average	1,103.08	1,071.51	844.57	1,082.42	878.92	792.82	952.61	720.46	11.99	9.87	8.76	9.76	7.33	15.11	10.53
Price/Cash Flow High	1,227.06	1,186.77	886.42	1,109.62	927.56	928.63	1,306.29	1,439.44	13.3	12.69	9.39	10.78	8.64	18.07	12.59
Price/Cash Flow Low	938.53	1,021.29	804.08	993.94	807.74	667.02	868.15	11.27	10.68	6.1	7.12	8.65	6.48	13.77	8.91
Price/Free Cash Flow Average	1,029.59	974.33	755.45	1,014.76	733.88	758.49	897.31	678.28	10.96	9.42	8.44	8.86	7.13	14.25	10.07
Price/Free Cash Flow High	1,145.31	1,079.14	792.89	1,040.26	774.49	888.43	1,230.46	1,355.16	12.15	12.11	9.05	9.78	8.4	17.04	12.04
Price/Free Cash Flow Low	876.01	928.67	719.23	931.82	674.44	638.14	817.75	10.61	9.76	5.82	6.86	7.85	6.31	12.99	8.52
EV/Sales Average	433.9	401.24	463	435.4	354.29	323.3	378.46	279.52	4.17	0.64	1.12	4.14	2.89	0.99	2.58
EV/Sales High	482.72	444.5	485.98	446.36	373.93	378.78	519.3	559.17	4.71	1.72	1.42	4.63	3.53	1.65	3.33
EV/Sales Low	369.1	382.39	440.76	399.75	325.55	271.92	344.82	3.69	3.62	- -	0.32	3.6	2.47	0.69	1.99
EV/EBITDA Average	9,436.6	787.53	1,052.98	1,029.85	827.17	8,566.36	10,620.63	8,951.49	131.37	20.56	37.79	134.31	98.77	41.68	127.65
EV/EBITDA High	10,498.38	872.43	1,105.24	1,055.78	873.01	10,036.25	14,573.28	17,906.88	148.51	55.18	48.19	150.15	120.86	69.6	164.63
EV/EBITDA Low	8,027.36	750.54	1,002.41	945.53	760.06	7,204.86	9,676.66	118.1	114.22	-25.89	10.89	116.98	84.5	29.06	98.7
EV/EBIT Average	- -	858.38	1,172.37	1,152.63	916.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	950.92	1,230.56	1,181.65	967.7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	818.06	1,116.07	1,058.26	842.49	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	15,400	16,750	17,510	15,880	14,030	17,500	20,650	252	243	185.9	231.95	232.97	198.89	233.15	299.75
High Price	18,500	17,750	18,300	17,650	16,100	17,500	24,075	27,590	275.25	260	244.46	274	238	243.98	308
Enterprise Value Average	54,789	51,944	56,113	55,089	48,498	47,303	55,535	43,647	658	108	190	693	511	189	552
Enterprise Value High	60,954	57,544	58,898	56,476	51,186	55,420	76,204	87,314	744	291	242	774	625	315	712
Enterprise Value Low	46,607	49,504	53,418	50,578	44,564	39,785	50,599	576	572	-137	55	603	437	132	427

Shares Outstanding	3	3	3	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	3	3
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Revenue per Share	38.11	39.61	37.43	39.35	42.83	46.08	46.27	49.26	49.84	53.27	53.76	52.83	55.91	60.47	67.59
EBITDA per Share	1.75	20.18	16.46	16.64	18.34	1.74	1.65	1.54	1.58	1.67	1.59	1.63	1.63	1.43	1.37
Operating Income per Share	- -	18.52	14.78	14.86	16.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	10.52	12.25	9.98	10.14	11.3	13.04	11.49	17.07	17.56	18.17	18.45	18.39	18.95	21.17	24.48
Basic EPS from Cont Ops	10.52	12.25	9.98	10.14	11.3	13.04	11.49	17.07	17.56	18.17	18.45	18.39	18.95	21.17	24.48
Diluted EPS, GAAP	10.52	12.25	9.98	10.14	11.3	13.04	11.49	17.07	17.56	18.17	18.45	18.39	18.95	21.17	24.48
Diluted EPS from Cont Ops	10.52	12.25	9.98	10.14	11.3	13.04	11.49	17.07	17.56	18.17	18.45	18.39	18.95	21.17	24.48
Dividend per Share	5	5	5	5	5	8.5	10	11.4	14.4	16	16	16	16	16	20
Cash Flow per Share	15.08	14.96	20.64	15.91	17.36	18.84	18.43	19.17	20.7	20.5	26.03	25.43	27.55	13.5	24.46
Free Cash Flow per Basic Share	14	13.46	18.21	14.85	13.93	17.99	17.29	17.98	18.75	19.52	25.03	22.83	26.79	12.69	23.34
Cash & Equivalents per Share	489.92	511.6	528.45	573.71	601.03	575.32	543.86	538.58	541.87	758.85	1,065.69	918.54	541.91	758.18	432.08
Book Value per Share	134.7	141.64	140.38	147.21	153.43	155.37	156.7	159.96	172.91	185.23	175.1	128.69	146.77	163.11	179.75
Tangible Book Value per Share	134.7	141.64	140.38	147.21	153.43	155.37	156.7	159.96	172.91	185.23	175.1	128.69	146.77	163.11	179.75

First National Bank Alaska