FFB Bancorp Financial Ratios — FFBB 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
Return on Common Equity (%)	- -	7.22	-1.83	11.3	10.51	11.33	11.66	16.52	19.8	19.81	27.21	26.35	25.33	20.28	12.29
Return on Assets (%)	1.36	0.6	0.01	0.9	0.92	0.93	0.96	1.43	1.83	1.63	2.1	2.23	2.52	2.38	1.53
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	0.12	9.17	9.82	10.81	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.45	2.41	2.67	33.56	36.38	36.72	0.68	0.77	0.67	0.46	0.28	0.34	0.35	0.18	0.25
Operating Margin (%)	- -	- -	0.48	31.17	34.62	36.05	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	53.28	- -	6.26	224.9	62.26	43.56	-210.93	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.09	23.43	0.48	31.17	34.62	36.05	39.91	40.83	48.29	45.51	57.81	61.32	57.36	51.35	34.76
Profit Margin (%)	25.7	13.83	0.28	19.95	21.26	21.64	22.14	30.27	35.17	33.35	42.06	45.09	41.65	37.39	25.25
Net Income to Common Margin (%)	23.83	12.58	-3.04	17.08	18.72	21.64	22.14	30.27	35.17	33.35	42.06	45.09	41.65	37.39	25.25
Effective Tax Rate (%)	- -	40.95	40.82	36.01	38.6	39.96	44.53	25.86	27.17	26.71	27.26	26.47	27.4	27.18	27.37
Dvd Payout Ratio (%)	-1.84	-0.26	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	7.24	-1.83	11.3	10.51	11.33	11.66	16.52	19.8	19.81	27.21	26.35	25.33	20.28	12.29

Credit (USD)

API Chat

	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
Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	101	39	104	74	38	38
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	31	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	70	39	104	74	38	38
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	636.01	286.74	527.48	260.07	227.59	162.35
Net Debt/EBITDA	-74.33	-73.71	-45.2	-4.84	-5.41	-2.87	-142.13	-169.79	-133.26	512.86	7.39	224.67	32.94	-162.46	-262.14
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	-250.61	-5.21	-5.68	-2.93	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.99	7.27	6.91	6.7	8.64	7.9	8.47	8.81	9.62	7.39	8	8.87	11.01	12.4	12.47
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	102.3	43.99	113.08	56.31	22.57	20.65
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	42.36	31.25	47.63	32.89	16.92	16.21
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.04	3.64	8.07	5.39	2.53	2.41
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	147.53	43.99	113.08	56.31	22.57	20.65
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	61.09	31.25	47.63	32.89	16.92	16.21
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.6	3.64	8.07	5.39	2.53	2.41
Net Debt to Equity	-74.61	-64.6	-51.49	-69.76	-87.11	-50.07	-46.77	-65.95	-45.22	118.96	1.13	48.16	7.13	-16.11	-33.34
Net Debt/Capital (%)	-510.28	-251.47	-112.78	-318.76	-1,129	-109.14	-88.25	-187.63	-83.07	55.87	1.16	27.92	5.85	-17.02	-45.41
EBITDA	- -	- -	- -	4	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	3	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	3	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API Chat

	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.99	7.27	6.91	6.7	8.64	7.9	8.47	8.81	9.62	7.39	8	8.87	11.01	12.4	12.47
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	102.3	43.99	113.08	56.31	22.57	20.65
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	42.36	31.25	47.63	32.89	16.92	16.21
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.04	3.64	8.07	5.39	2.53	2.41
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	147.53	43.99	113.08	56.31	22.57	20.65
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	61.09	31.25	47.63	32.89	16.92	16.21
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.6	3.64	8.07	5.39	2.53	2.41
CFO/Total Liabilities	1.47	1.28	1.38	2.32	1.22	1.64	1.43	1.14	0.14	3.39	1.89	1.91	3.96	2.57	2.15
CFO/CapEx	24.73	31.69	11.18	81.3	65.34	57.12	24.65	27.85	5.92	257.14	73.2	74.03	181.16	214.97	108.16
Altman's Z-Score	0.07	0.07	0.07	0.13	0.14	0.15	0.15	0.16	0.21	0.16	0.22	0.23	0.29	0.34	0.31

Working Capital (USD)

API Chat

	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
Accounts Receivable Turnover	5.15	3.05	2.72	3.23	4.34	4.57	4.86	5.49	5.92	4.99	3.41	2.26	4.97	- -	- -
Days Sales Outstanding	70.82	119.6	134.21	113.08	84.02	79.83	75.03	66.47	61.7	73.19	107.04	161.83	73.41	- -	- -
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 Chat

	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
Market Capitalization	15	17	19	21	22	31	55	57	84	93	175	189	241	311	261
- Cash & Cash Equivalents	14	15	11	17	24	15	16	27	23	20	38	60	64	65	100
+ Preferred Equity and Hybrid Capital	2	6	6	6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	101	39	104	74	38	38
Enterprise Value	-53	-56	-53	-56	-70	-50	-34	-54	-37	-42	-112	-107	-72	-35	-41
Total Capital	16	21	21	23	26	29	34	41	52	166	126	219	224	225	235
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	61.09	31.25	47.63	32.89	16.92	16.21
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2.39	-0.35	-0.97	-1.02	-1.07	-0.93
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.6	- -	- -	- -	0.13
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,284.1	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.39	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.26	- -	- -	- -	- -
Diluted Market Cap	15	23	19	29	28	32	56	58	86	94	177	190	241	312	262
Diluted Enterprise Value	4	14	13	17	4	17	40	31	62	176	178	235	251	285	200
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	57.33	- -	- -	- -	- -
TTM Sales	7	8	9	11	12	14	17	21	26	35	49	59	81	91	93
TTM EBITDA	- -	- -	- -	4	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	3	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	2	3	5	3	5	5	5	1	27	19	23	49	34	30
TTM Free Cash Flow to Firm	2	2	3	5	3	6	6	5	1	27	19	23	49	35	30

Multiples (USD)

API Chat

	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
Price/Free Cash Flow	6.32	9.54	6.3	5.34	8.28	5.69	10.13	11.51	104.21	3.44	9.3	8.17	4.91	9.03	8.62
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-53	-56	-53	-56	-70	-50	-34	-54	-37	-42	-112	-107	-72	-35	-41
Low Price	7.17	7.53	8.71	9.1	9.95	9.7	11.4	19.51	19.8	20	31.01	52.6	52.02	73.31	66
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.6	- -	- -	- -	0.13
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,284.1	- -	- -	- -	- -
Price/Earnings	8.66	16.2	- -	11.65	10.04	10.2	14.95	9.05	9.15	8.07	8.52	7.11	7.19	9.11	11.06
Price/Earnings Average	8.68	15.48	-67.14	10.47	10.24	9.03	12.23	10.56	7.91	6.69	6.64	6.93	6.19	8.12	10.5
Price/Earnings High	9.47	19.09	-73.56	12.36	10.92	10.46	17.59	12.31	9.54	8.59	8.75	7.95	7.51	9.39	12.98
Price/Earnings Low	7.82	13.21	-58.51	9.86	9.83	8.61	8.72	8.92	6.3	5.21	4.64	6.18	4.92	6.81	8.59
Price/Book Value	1.08	1.13	1.24	1.24	0.88	1.09	1.6	1.37	1.63	1.44	2.02	1.64	1.61	1.67	1.32
Price/Book Value Average	1.09	1.08	1.24	1.12	0.9	0.97	1.31	1.6	1.41	1.2	1.58	1.6	1.38	1.49	1.26
Price/Book Value High	1.19	1.33	1.36	1.32	0.95	1.12	1.88	1.87	1.7	1.54	2.08	1.84	1.68	1.72	1.55
Price/Book Value Low	0.98	0.92	1.08	1.05	0.86	0.92	0.93	1.35	1.12	0.93	1.1	1.43	1.1	1.25	1.03
Price/Tangible Book Value	0.95	0.98	1.19	1.11	0.83	1.05	1.59	1.39	1.62	1.36	1.96	2.04	1.85	1.85	1.41
Price/Tangible Book Value Average	0.95	0.94	1.19	1	0.85	0.93	1.3	1.62	1.4	1.12	1.53	1.99	1.59	1.65	1.34
Price/Tangible Book Value High	1.04	1.16	1.3	1.18	0.9	1.07	1.87	1.89	1.69	1.44	2.01	2.28	1.93	1.9	1.66
Price/Tangible Book Value Low	0.86	0.8	1.04	0.94	0.81	0.88	0.93	1.37	1.12	0.87	1.07	1.78	1.26	1.38	1.1
Price/Sales	2.06	2.04	2.04	1.99	1.88	2.21	3.31	2.74	3.22	2.69	3.58	3.21	2.99	3.4	2.79
Price/Sales Average	2.07	1.95	2.04	1.79	1.92	1.95	2.71	3.2	2.78	2.23	2.79	3.12	2.58	3.04	2.65
Price/Sales High	2.26	2.4	2.24	2.11	2.04	2.26	3.89	3.73	3.36	2.87	3.68	3.59	3.13	3.51	3.28
Price/Sales Low	1.86	1.66	1.78	1.69	1.84	1.86	1.93	2.7	2.22	1.74	1.95	2.79	2.05	2.55	2.17
Price/Cash Flow	6.57	7.23	6.86	3.98	6.82	5.74	10.34	11.66	119.58	3.41	9.33	8.22	4.93	9.04	8.68
Price/Cash Flow Average	6.58	6.91	6.86	3.58	6.96	5.08	8.46	13.61	103.36	2.82	7.27	8.01	4.25	8.06	8.24
Price/Cash Flow High	7.19	8.52	7.51	4.23	7.42	5.89	12.17	15.87	124.78	3.63	9.59	9.19	5.15	9.32	10.18
Price/Cash Flow Low	5.94	5.9	5.98	3.37	6.68	4.84	6.03	11.49	82.35	2.2	5.08	7.15	3.38	6.76	6.74
Price/Free Cash Flow Average	6.33	9.12	6.29	4.8	8.45	5.03	8.29	13.44	90.08	2.85	7.25	7.96	4.23	8.05	8.18
Price/Free Cash Flow High	6.91	11.24	6.89	5.66	9.01	5.83	11.92	15.67	108.75	3.66	9.55	9.14	5.13	9.31	10.12
Price/Free Cash Flow Low	5.7	7.78	5.48	4.52	8.11	4.8	5.91	11.34	71.77	2.22	5.06	7.11	3.36	6.76	6.7
EV/Sales Average	0.52	0.85	1.46	0.7	- -	0.9	1.74	1.9	1.88	4.59	2.81	3.88	2.69	2.74	1.99
EV/Sales High	0.71	1.3	1.66	1.02	0.08	1.21	2.92	2.43	2.46	5.23	3.7	4.34	3.24	3.21	2.62
EV/Sales Low	0.32	0.56	1.2	0.6	- -	0.81	0.96	1.4	1.32	4.1	1.97	3.54	2.17	2.25	1.51
EV/EBITDA Average	21.27	35.18	54.77	2.08	-0.14	2.45	253.92	247.51	279.36	997.12	1,002.24	1,152.64	767.13	1,497.47	791.63
EV/EBITDA High	28.95	54.03	62.1	3.04	0.21	3.29	427.24	316.89	364.84	1,134.86	1,318.59	1,290.03	923	1,757.02	1,040.86
EV/EBITDA Low	12.95	23.33	44.94	1.77	-0.35	2.2	140.08	182.53	195.48	889.83	701.96	1,053.02	616.51	1,230.78	599.99
EV/EBIT Average	- -	- -	303.69	2.24	-0.14	2.49	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	344.33	3.28	0.22	3.35	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	249.14	1.91	-0.37	2.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.94	9.23	10	10.75	10.16	11.5	19.55	19.8	28.75	31.01	57	60.5	75.98	97.97	85
High Price	8.68	10.88	10.95	11.4	11.05	11.79	23	26.95	30	33	58.54	67.65	79.34	101	99.75
Enterprise Value Average	4	7	13	7	-1	13	29	39	49	159	137	228	217	250	186
Enterprise Value High	5	11	15	11	1	17	49	50	64	180	181	255	261	293	245
Enterprise Value Low	2	5	11	6	-2	11	16	29	34	141	96	208	174	206	141

	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
Shares Outstanding	2	2	2	2	3	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	2	3	2	3	3	3	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	2	2	2	2	2	3	3	3	3	3	3	3	3	3	3
Revenue per Share	3.85	4.53	4.89	5.4	5.41	5.21	5.91	7.23	8.94	11.52	15.91	18.86	25.38	28.78	30.43
EBITDA per Share	0.09	0.11	0.13	1.81	1.97	1.91	0.04	0.06	0.06	0.05	0.04	0.06	0.09	0.05	0.08
Operating Income per Share	- -	- -	0.02	1.68	1.87	1.88	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.92	0.57	-0.15	0.92	1.01	1.13	1.31	2.19	3.14	3.84	6.69	8.51	10.57	10.76	7.68
Basic EPS from Cont Ops	0.99	0.63	0.01	1.08	1.15	1.13	1.31	2.19	3.14	3.84	6.69	8.51	10.57	10.76	7.68
Diluted EPS, GAAP	0.92	0.42	-0.15	0.68	0.82	1.12	1.28	2.14	3.09	3.79	6.62	8.44	10.56	10.72	7.66
Diluted EPS from Cont Ops	0.99	0.46	0.01	0.79	0.93	1.12	1.28	2.14	3.09	3.79	6.62	8.44	10.56	10.72	7.66
Dividend per Share	0.06	0.06	0.16	0.15	0.14	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1.21	1.28	1.46	2.7	1.49	2	1.89	1.7	0.24	9.1	6.11	7.36	15.41	10.84	9.8
Free Cash Flow per Basic Share	1.16	1.24	1.33	2.66	1.47	1.97	1.81	1.64	0.2	9.06	6.02	7.26	15.32	10.79	9.7
Cash & Equivalents per Share	36.11	42.25	41.3	42.2	41.77	29.79	31.54	38.77	41.38	78.85	106.31	128.38	121.95	121.12	110.81
Book Value per Share	7.32	8.18	8.08	8.64	11.58	10.52	12.25	14.41	17.69	21.49	28.17	36.83	47.3	58.79	64.26
Tangible Book Value per Share	8.34	9.39	8.4	9.69	12.21	10.97	12.28	14.26	17.75	22.87	29.1	29.62	41.17	53.06	60.2

FFB Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)