FCN Banc Corp. Financial Ratios — FBVI Stock

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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 (%)	- -	11.74	10.8	12.02	13.04	9.2	6.7	5.8	8.35
Return on Assets (%)	- -	1.3	1.25	1.2	1.18	0.85	0.62	0.53	0.8
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	36.3	40.27	37.42	34.1	38.88	28.66	22.4	21.53	29.26
Profit Margin (%)	25.27	33.38	31.42	28.95	34.32	27.57	21.98	20.55	25.95
Net Income to Common Margin (%)	25.27	33.38	31.42	28.95	34.32	27.57	21.98	20.55	25.95
Effective Tax Rate (%)	30.38	17.12	16.04	15.1	11.72	3.81	1.89	4.56	11.33
Dvd Payout Ratio (%)	41.75	30.75	34.77	32.94	29.6	41.69	53.84	55.48	40.08
Sustainable Growth Rate (%)	- -	8.13	7.05	8.06	9.18	5.36	3.09	2.58	5.01

Credit (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	6	7	- -	35	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	6	7	- -	35	- -	- -	- -
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	10.66	11.52	11.56	8.93	9.23	9.29	9.09	9.28	9.76
Long-Term Debt/Equity (%)	- -	- -	10.81	9.55	- -	85.2	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	10	10.23	- -	33.22	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	1.28	1.02	- -	4.62	- -	- -	- -
Total Debt/Equity (%)	- -	- -	10.81	9.55	- -	85.2	- -	- -	- -
Total Debt/Capital (%)	- -	- -	10	10.23	- -	33.22	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	1.28	1.02	- -	4.62	- -	- -	- -
Net Debt to Equity	-56.5	-39.96	-55.4	-53.73	-18.28	-42.59	-44.01	-58	-37.64
Net Debt/Capital (%)	-127.01	-63.1	-105.15	-135.76	-25.74	-19.91	-45.37	-63.67	-44.44
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	-1	- -	-4	-1	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	10.66	11.52	11.56	8.93	9.23	9.29	9.09	9.28	9.76
Long-Term Debt/Equity (%)	- -	- -	10.81	9.55	- -	85.2	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	10	10.23	- -	33.22	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	1.28	1.02	- -	4.62	- -	- -	- -
Total Debt/Equity (%)	- -	- -	10.81	9.55	- -	85.2	- -	- -	- -
Total Debt/Capital (%)	- -	- -	10	10.23	- -	33.22	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	1.28	1.02	- -	4.62	- -	- -	- -
CFO/Total Liabilities	0.68	2.07	1.61	-0.67	2.53	1.67	1.12	0.92	1.07
CFO/CapEx	16.65	16.98	9.58	-28.35	4.56	21.18	16.67	190.17	30.16
Altman's Z-Score	0.22	0.24	0.26	0.2	0.22	0.19	0.17	0.18	0.15

Working Capital (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	44	46	60	68	81	61	48	48	- -
- Cash & Cash Equivalents	26	20	31	39	14	17	22	29	24
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	6	7	- -	35	- -	- -	- -
Enterprise Value	18	26	35	36	68	79	26	19	-24
Total Capital	47	51	61	68	67	105	72	74	77
Total Debt/Capital (%)	- -	- -	10	10.23	- -	33.22	- -	- -	- -
Total Debt / EV	- -	- -	0.17	0.2	- -	0.44	- -	- -	- -
EV/Sales	1.14	1.51	1.92	1.48	2.79	3.45	1.19	0.92	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	6.65	3.19	5.21	- -	4.12	6.58	3.1	2.76	- -
EV/Free Cash Flow to Firm	6.28	3.02	4.72	- -	3.38	6.28	2.92	2.75	- -
Diluted Market Cap	44	46	60	68	81	61	48	48	52
Diluted Enterprise Value	18	26	35	36	68	79	26	19	29
EV per Share	11.94	17.34	23.4	20.82	38.93	45.63	14.96	11.02	- -
TTM Sales	16	17	18	24	24	23	22	21	24
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	8	7	-4	16	12	8	7	8
TTM Free Cash Flow to Firm	3	9	7	-4	20	13	9	7	8

Multiples (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	15.5	5.31	8.1	-17.2	4.06	4.89	5.47	6.92	6.46
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	18	26	35	36	68	79	26	19	-24
Low Price	27.72	28.75	30.65	37	39.66	35.5	28	27.39	26.5
EV/Sales	1.14	1.51	1.92	1.48	2.79	3.45	1.19	0.92	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.1	7.94	10.51	9.73	9.76	9.73	10.12	11.26	- -
Price/Earnings Average	10.76	7.97	9.44	9.81	9.33	11.78	11.38	12.08	- -
Price/Earnings High	11.1	9.38	10.51	21.1	10.21	13.15	13.37	13.39	- -
Price/Earnings Low	10.43	7.49	8.01	9.08	8.27	9.73	10.12	11.11	- -
Price/Book Value	0.94	0.9	1.1	1.11	1.22	0.87	0.67	0.65	- -
Price/Book Value Average	0.91	0.9	0.99	1.12	1.16	1.06	0.75	0.69	- -
Price/Book Value High	0.94	1.06	1.1	2.41	1.27	1.18	0.89	0.77	- -
Price/Book Value Low	0.88	0.84	0.84	1.04	1.03	0.87	0.67	0.64	- -
Price/Tangible Book Value	0.99	0.97	1.11	1.01	1.18	1.73	1.06	1.09	- -
Price/Tangible Book Value Average	0.96	0.97	1	1.02	1.13	2.1	1.2	1.17	- -
Price/Tangible Book Value High	0.99	1.14	1.11	2.19	1.23	2.34	1.41	1.29	- -
Price/Tangible Book Value Low	0.93	0.91	0.85	0.94	1	1.73	1.06	1.07	- -
Price/Sales	2.8	2.65	3.3	2.82	3.35	2.68	2.22	2.31	- -
Price/Sales Average	2.72	2.66	2.97	2.84	3.2	3.25	2.5	2.48	- -
Price/Sales High	2.8	3.13	3.3	6.11	3.51	3.63	2.94	2.75	- -
Price/Sales Low	2.64	2.5	2.52	2.63	2.84	2.68	2.22	2.28	- -
Price/Cash Flow	16.43	5.62	8.95	-16.59	4.95	5.12	5.8	6.96	- -
Price/Cash Flow Average	15.93	5.64	8.04	-16.72	4.74	6.2	6.52	7.46	- -
Price/Cash Flow High	16.43	6.63	8.95	-35.97	5.19	6.92	7.66	8.27	- -
Price/Cash Flow Low	15.44	5.3	6.82	-15.48	4.2	5.12	5.8	6.86	- -
Price/Free Cash Flow Average	15.03	5.32	7.28	-17.33	3.88	5.92	6.15	7.42	6.06
Price/Free Cash Flow High	15.5	6.26	8.1	-37.29	4.25	6.61	7.23	8.23	6.72
Price/Free Cash Flow Low	14.57	5	6.18	-16.04	3.44	4.89	5.47	6.83	5.56
EV/Sales Average	1.05	1.52	1.59	1.5	2.64	4.01	1.47	1.09	- -
EV/Sales High	1.14	1.99	1.92	4.77	2.94	4.39	1.9	1.36	- -
EV/Sales Low	0.97	1.35	1.14	1.29	2.27	3.45	1.19	0.89	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	29.5	30.5	40.2	39.66	46.8	35.5	28	27.75	30.8
High Price	29.5	36	40.2	86	49	48	37	33	32
Enterprise Value Average	17	26	29	36	64	92	32	22	-24
Enterprise Value High	18	34	35	115	71	100	41	28	-24
Enterprise Value Low	15	23	21	31	55	79	26	18	-24

Shares Outstanding	1	1	1	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	1	2	2	2	2	2	2
Basic Weighted Avg Shares	2	2	1	2	2	2	2	2	- -
Revenue per Share	10.52	11.5	12.18	14.08	13.98	13.24	12.59	12	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.66	3.84	3.83	4.08	4.8	3.65	2.77	2.47	- -
Basic EPS from Cont Ops	2.66	3.84	3.83	4.08	4.8	3.65	2.77	2.47	- -
Diluted EPS, GAAP	2.66	3.84	3.83	4.08	4.8	3.65	2.77	2.47	3.72
Diluted EPS from Cont Ops	2.66	3.84	3.83	4.08	4.8	3.65	2.77	2.47	3.72
Dividend per Share	1.11	1.18	1.33	1.34	1.42	1.52	1.49	1.37	- -
Cash Flow per Share	1.8	5.43	4.49	-2.39	9.45	6.93	4.83	3.99	- -
Free Cash Flow per Basic Share	1.69	5.11	4.02	-2.48	7.38	6.61	4.54	3.97	- -
Cash & Equivalents per Share	17.56	13.16	20.87	22.91	7.87	10.12	13.04	16.73	- -
Book Value per Share	31.38	34.02	36.65	35.71	38.45	40.7	41.78	43.02	- -
Tangible Book Value per Share	29.66	31.54	36.26	39.31	39.77	20.47	26.32	25.54	- -

FCN Banc Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)