FFBW, Inc. Financial Ratios — FFBW Stock

Profitability (USD)

	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	12/31/2015	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 (%)	- -	0.5	-0.4	1.77	2.55	2.22	2.01	2.72	1.98	3.19	3.6
Return on Assets (%)	- -	0.07	-0.07	0.41	0.56	0.58	0.57	0.69	0.47	0.79	0.92
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.9	5.84	5.52	3.72	3.65	2.8	2.52	2.79	3.57	3.16	3.26
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	16.52	0.19	0.94	14.96	21.68	22.51	22.64	24.97	19.95	24.87	25.13
Profit Margin (%)	11.58	2.11	-2.23	11.5	16.39	17.19	17.08	18.69	12.55	20.14	20.97
Net Income to Common Margin (%)	11.58	2.11	-2.23	11.5	16.39	17.19	17.08	18.69	12.55	20.14	20.97
Effective Tax Rate (%)	29.89	- -	338.46	23.11	24.39	23.61	24.57	25.15	37.07	19.02	16.54
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	0.5	-0.4	1.77	2.55	2.22	2.01	2.72	1.98	3.19	3.6

Credit (USD)

Credit Ratios API ChatGPT

	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	12/31/2015	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	23	21	13	18	12	8	6	8	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	23	21	13	18	12	8	6	8	- -	- -	- -
Total Debt/EBITDA	70.83	44.98	27.72	51.9	33.24	25.17	22.18	22.92	- -	- -	- -
Net Debt/EBITDA	61.43	30.37	20.58	46.8	21.38	-113.94	-156.94	-8.27	-13.41	-16.3	-20.8
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	14.08	14.07	23.19	22.98	21.17	30.46	26.32	24.18	23.35	26.32	25.03
Long-Term Debt/Equity (%)	68.18	62.58	21.43	29.41	18.59	7.26	6.92	10.24	- -	- -	- -
Long-Term Debt/Capital (%)	40.54	38.49	17.65	22.72	15.67	6.77	6.47	9.29	- -	- -	- -
Long-Term Debt/Total Assets (%)	9.6	8.81	4.97	6.76	3.94	2.21	1.82	2.48	- -	- -	- -
Total Debt/Equity (%)	68.18	62.58	21.43	29.41	18.59	7.26	6.92	10.24	- -	- -	- -
Total Debt/Capital (%)	40.54	38.49	17.65	22.72	15.67	6.77	6.47	9.29	- -	- -	- -
Total Debt/Total Assets (%)	9.6	8.81	4.97	6.76	3.94	2.21	1.82	2.48	- -	- -	- -
Net Debt to Equity	59.13	42.26	15.91	26.51	11.96	-32.88	-48.93	-3.7	-7.75	-8.09	-12.18
Net Debt/Capital (%)	37.16	29.7	13.73	20.96	10.68	-48.99	-95.82	-3.84	-8.4	-8.8	-13.87
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-4	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	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	12/31/2015	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	14.08	14.07	23.19	22.98	21.17	30.46	26.32	24.18	23.35	26.32	25.03
Long-Term Debt/Equity (%)	68.18	62.58	21.43	29.41	18.59	7.26	6.92	10.24	- -	- -	- -
Long-Term Debt/Capital (%)	40.54	38.49	17.65	22.72	15.67	6.77	6.47	9.29	- -	- -	- -
Long-Term Debt/Total Assets (%)	9.6	8.81	4.97	6.76	3.94	2.21	1.82	2.48	- -	- -	- -
Total Debt/Equity (%)	68.18	62.58	21.43	29.41	18.59	7.26	6.92	10.24	- -	- -	- -
Total Debt/Capital (%)	40.54	38.49	17.65	22.72	15.67	6.77	6.47	9.29	- -	- -	- -
Total Debt/Total Assets (%)	9.6	8.81	4.97	6.76	3.94	2.21	1.82	2.48	- -	- -	- -
CFO/Total Liabilities	0.46	0.96	0.59	1	1.19	0.77	1.66	1.84	1.35	2.14	1.23
CFO/CapEx	0.21	20.19	3.27	18.62	28.55	32.59	21.1	2.98	22	32.93	29.25
Altman's Z-Score	0.23	0.23	0.43	0.41	0.4	0.39	0.36	0.38	0.36	0.44	0.47

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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	12/31/2015	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	- -	10.34	10.81	11.87	12.71	12.38	12.84	14.4	12.21	12.42	13.98
Days Sales Outstanding	- -	35.29	33.78	30.75	28.71	29.48	28.42	25.35	29.89	29.4	26.11
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

	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	12/31/2015	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	- -	- -	70	65	73	77	73	64	54	63	62
- Cash & Cash Equivalents	3	7	3	2	4	41	52	11	6	6	8
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	23	21	13	18	12	8	6	8	- -	- -	- -
Enterprise Value	-29	-34	21	37	32	-21	-21	14	8	23	24
Total Capital	57	55	72	78	73	111	100	86	74	76	69
Total Debt/Capital (%)	40.54	38.49	17.65	22.72	15.67	6.77	6.47	9.29	- -	- -	- -
Total Debt / EV	-0.81	-0.62	0.59	0.48	0.35	-0.36	-0.3	0.58	- -	- -	- -
EV/Sales	- -	- -	2.58	4.02	3.42	- -	- -	1.1	0.67	1.91	1.97
EV/EBITDA	- -	- -	46.66	108.12	93.72	- -	- -	39.6	18.79	60.22	60.42
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	18.41	18.21	11.83	- -	- -	3.07	2.44	4.98	9.62
EV/Free Cash Flow to Firm	- -	- -	14.09	17.29	11.43	- -	- -	2.3	2.34	4.84	9.3
Diluted Market Cap	- -	- -	70	62	75	70	76	63	56	63	60
Diluted Enterprise Value	20	14	79	78	82	36	30	60	50	57	52
EV per Share	- -	- -	2.88	4.88	4.36	- -	- -	2.51	1.79	5.13	5.93
TTM Sales	8	8	8	9	9	11	12	13	12	12	12
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	2	1	2	3	2	4	4	3	5	3
TTM Free Cash Flow to Firm	5	2	2	2	3	2	5	6	3	5	3

Multiples (USD)

Valuation Multiples API ChatGPT

	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	12/31/2015	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	- -	- -	45.96	29.18	26.4	37.39	16.65	10.53	16.19	13.54	22.77
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-29	-34	21	37	32	-21	-21	14	8	23	24
Low Price	- -	- -	9.38	8.1	7.98	6.74	9.99	11.5	9.82	11.8	13.03
EV/Sales	- -	- -	2.58	4.02	3.42	- -	- -	1.1	0.67	1.91	1.97
EV/EBITDA	- -	- -	46.66	108.12	93.72	- -	- -	39.6	18.79	60.22	60.42
Price/Earnings	- -	- -	- -	59	48.14	38.41	38.38	26.95	36.86	26.15	22.54
Price/Earnings Average	- -	- -	-382.06	64.91	44.26	35.32	37.02	27.85	35.14	24.19	21.07
Price/Earnings High	- -	- -	-427.24	69.34	48.88	42.55	39.84	31.1	38.43	26.15	22.66
Price/Earnings Low	- -	- -	-375.94	55.89	39	25.83	32.49	26.69	30.19	21.67	19.66
Price/Book Value	- -	- -	1.18	1.07	1.18	0.75	0.78	0.82	0.73	0.83	0.89
Price/Book Value Average	- -	- -	1.19	1.18	1.09	0.69	0.75	0.85	0.69	0.77	0.83
Price/Book Value High	- -	- -	1.34	1.26	1.2	0.83	0.81	0.95	0.76	0.83	0.9
Price/Book Value Low	- -	- -	1.18	1.02	0.96	0.5	0.66	0.81	0.6	0.69	0.78
Price/Tangible Book Value	- -	- -	1.18	1.07	1.18	0.75	0.78	0.82	0.73	0.83	0.89
Price/Tangible Book Value Average	- -	- -	1.19	1.18	1.09	0.69	0.75	0.85	0.69	0.77	0.83
Price/Tangible Book Value High	- -	- -	1.34	1.26	1.2	0.83	0.81	0.95	0.76	0.83	0.9
Price/Tangible Book Value Low	- -	- -	1.18	1.02	0.96	0.5	0.66	0.81	0.6	0.69	0.78
Price/Sales	- -	- -	8.4	6.78	7.89	6.6	6.55	5.04	4.63	5.27	4.73
Price/Sales Average	- -	- -	8.53	7.46	7.26	6.07	6.32	5.21	4.41	4.87	4.42
Price/Sales High	- -	- -	9.54	7.97	8.01	7.32	6.8	5.81	4.82	5.27	4.75
Price/Sales Low	- -	- -	8.39	6.43	6.39	4.44	5.55	4.99	3.79	4.36	4.12
Price/Cash Flow	- -	- -	60.03	30.75	27.33	38.53	17.43	14.03	16.85	13.77	23.11
Price/Cash Flow Average	- -	- -	60.95	33.83	25.12	35.44	16.81	14.5	16.07	12.74	21.6
Price/Cash Flow High	- -	- -	68.15	36.14	27.75	42.69	18.09	16.19	17.57	13.77	23.23
Price/Cash Flow Low	- -	- -	59.97	29.13	22.14	25.92	14.75	13.9	13.8	11.41	20.16
Price/Free Cash Flow Average	- -	- -	46.66	32.1	24.27	34.39	16.06	10.88	15.43	12.53	21.29
Price/Free Cash Flow High	- -	- -	52.18	34.3	26.81	41.42	17.28	12.15	16.88	13.54	22.89
Price/Free Cash Flow Low	- -	- -	45.91	27.64	21.39	25.15	14.09	10.43	13.26	11.22	19.86
EV/Sales Average	2.39	1.77	9.67	9.48	7.87	3.47	2.1	5.05	3.8	4.37	3.96
EV/Sales High	2.39	1.77	10.68	10.01	8.61	4.83	2.56	5.67	4.2	4.77	4.31
EV/Sales Low	2.39	1.77	9.53	8.4	7.03	1.68	1.36	4.83	3.2	3.86	3.65
EV/EBITDA Average	61.43	30.37	175.09	255.01	215.89	124.04	83.34	181.35	106.56	138.19	121.56
EV/EBITDA High	61.43	30.37	193.36	269.24	236.19	172.69	101.63	203.5	117.78	150.72	132.3
EV/EBITDA Low	61.43	30.37	172.61	226.08	192.8	60.11	53.92	173.48	89.66	122.1	112.02
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	9.39	8.55	9.85	10.02	11.8	11.61	11.99	14.24	14.94
High Price	- -	- -	10.66	10.05	10	11.1	12.25	13.4	12.5	14.24	15.02
Enterprise Value Average	20	14	81	87	75	37	24	63	46	52	49
Enterprise Value High	20	14	89	92	82	51	30	71	51	57	54
Enterprise Value Low	20	14	79	77	67	18	16	61	38	46	45

Shares Outstanding	3	3	7	8	7	8	6	6	5	4	4
Diluted Weighted Avg Shares	3	3	7	7	8	7	6	5	5	4	4
Basic Weighted Avg Shares	3	3	7	7	8	7	6	5	5	4	4
Revenue per Share	2.44	2.34	1.12	1.26	1.25	1.52	1.8	2.3	2.59	2.7	3.16
EBITDA per Share	0.1	0.14	0.06	0.05	0.05	0.04	0.05	0.06	0.09	0.09	0.1
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.28	0.05	-0.02	0.14	0.2	0.26	0.31	0.43	0.33	0.54	0.66
Basic EPS from Cont Ops	0.28	0.05	-0.02	0.14	0.2	0.26	0.31	0.43	0.33	0.54	0.66
Diluted EPS, GAAP	0.28	0.05	-0.02	0.14	0.2	0.26	0.31	0.43	0.32	0.54	0.65
Diluted EPS from Cont Ops	0.28	0.05	-0.02	0.14	0.2	0.26	0.31	0.43	0.32	0.54	0.65
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.28	0.58	0.16	0.28	0.36	0.26	0.68	0.83	0.71	1.03	0.65
Free Cash Flow per Basic Share	-1.03	0.55	0.11	0.26	0.35	0.25	0.65	0.55	0.68	1	0.62
Cash & Equivalents per Share	15.03	16.04	8.22	6.01	7.03	13.74	16.31	10.55	10.2	9.11	9.01
Book Value per Share	9.88	9.82	7.98	7.97	8.32	13.42	15.19	14.16	16.49	17.19	16.75
Tangible Book Value per Share	9.88	9.82	7.98	7.97	8.32	13.42	15.19	14.16	16.49	17.19	16.75

FFBW, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)