1st Capital Bancorp Financial Ratios — FISB Stock

Profitability (USD)

	2008 Y	2009 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2008	12/31/2009	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Return on Common Equity (%)	- -	- -	- -	10.91	11.5	11.15	6.43	9.97	10.23	3.95
Return on Assets (%)	- -	-0.44	3.19	0.98	1.07	1.12	0.61	0.83	0.88	0.37
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-51.5	5.27	2.55	2.67	2.38	2.42	2.92	2.31	1.9	1.89
Operating Margin (%)	-56.79	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	114.07	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-56.79	-12.58	29.05	30.08	35.83	37.33	24.5	34.63	34.54	14.29
Profit Margin (%)	-56.82	-12.6	17.61	14.02	26.01	27.4	17.59	25.08	25.44	10.9
Net Income to Common Margin (%)	-56.82	-12.6	17.61	14.02	26.01	27.4	17.59	25.08	25.44	10.9
Effective Tax Rate (%)	- -	- -	39.37	53.4	27.41	26.59	28.21	27.56	26.33	23.74
Dvd Payout Ratio (%)	- -	- -	0.1	0.14	0.11	0.04	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	10.89	11.49	11.14	6.43	9.97	10.23	3.95

Credit (USD)

API ChatGPT

	2008 Y	2009 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2008	12/31/2009	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Total Debt	- -	- -	- -	- -	- -	- -	5	15	15	25
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	5	15	15	25
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	6.68	20.89	22.96	40.41
Net Debt/EBITDA	4.28	-31.26	- -	-121.25	-88.61	-83.5	-135.87	-98.88	-36.26	-21.91
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	3.88	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-3.93	-3.05	- -	8.99	9.59	10.46	8.73	8.05	9.25	9.29
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	6.73	18.33	26.08	39.77
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	6.44	15.42	14.44	21.26
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	0.6	1.47	1.56	2.51
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	6.73	18.33	26.08	39.77
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	6.44	15.42	14.44	21.26
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	0.6	1.47	1.56	2.51
Net Debt to Equity	-30.11	-33.81	- -	-126.4	-88.06	-76.97	-136.91	-86.77	-41.19	-21.57
Net Debt/Capital (%)	61.5	61.11	- -	485.08	-689.17	-345.72	349.7	-631.28	-36.36	-17.15
EBITDA	-2	- -	- -	1	1	1	1	1	1	1
EBITDA-CapEx	-2	- -	- -	-1	- -	- -	-1	1	1	- -
Operating Income (Loss)	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2008 Y	2009 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2008	12/31/2009	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-3.93	-3.05	- -	8.99	9.59	10.46	8.73	8.05	9.25	9.29
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	6.73	18.33	26.08	39.77
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	6.44	15.42	14.44	21.26
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	0.6	1.47	1.56	2.51
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	6.73	18.33	26.08	39.77
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	6.44	15.42	14.44	21.26
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	0.6	1.47	1.56	2.51
CFO/Total Liabilities	-0.87	-0.36	- -	1.01	1.41	1.24	1.24	0.76	1.3	1.22
CFO/CapEx	-1.59	-5.46	14.9	3.88	21.59	11.19	6.01	154.42	- -	25.44
Altman's Z-Score	0.08	0.09	- -	0.13	0.13	0.14	0.1	0.11	0.11	0.12

Working Capital (USD)

API ChatGPT

	2008 Y	2009 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2008	12/31/2009	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Accounts Receivable Turnover	- -	3.97	17.54	27.19	15.36	15.11	13.1	10.78	9.93	8.72
Days Sales Outstanding	- -	91.97	20.81	13.42	23.76	24.16	27.86	33.84	36.77	41.86
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

	2008 Y	2009 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2008	12/31/2009	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Market Capitalization	27	28	57	76	81	84	65	82	60	66
- Cash & Cash Equivalents	8	9	- -	66	52	52	107	84	38	38
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	5	15	15	25
Enterprise Value	19	19	57	-64	-41	-35	-143	-322	-197	-169
Total Capital	-5	-6	- -	52	60	67	78	95	102	117
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	6.44	15.42	14.44	21.26
Total Debt / EV	- -	- -	- -	- -	- -	- -	-0.04	-0.05	-0.07	-0.15
EV/Sales	5.02	3.41	3.27	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	64.71	127.99	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	12.29	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	11.52	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	27	28	58	78	82	85	66	83	60	66
Diluted Enterprise Value	19	19	58	12	30	33	-36	14	37	53
EV per Share	4.4	4.47	10.98	- -	- -	- -	- -	- -	- -	- -
TTM Sales	4	6	17	20	25	26	26	30	34	32
TTM EBITDA	-2	- -	- -	1	1	1	1	1	1	1
TTM Operating Income	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-1	-1	5	5	8	7	9	7	12	11
TTM Free Cash Flow to Firm	- -	- -	5	7	8	8	11	7	12	12

Multiples (USD)

API ChatGPT

	2008 Y	2009 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2008	12/31/2009	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Price/Free Cash Flow	-80.38	-57.66	11.65	11.56	9.95	10.87	6	11.86	5.23	5.67
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	19	19	57	-64	-41	-35	-143	-322	-197	-169
Low Price	4.2	4.59	8.74	10.47	13.32	14.04	8.56	11.41	8.15	6.66
EV/Sales	5.02	3.41	3.27	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	64.71	127.99	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	18.56	26.84	12.58	11.81	14.5	10.68	6.95	18.67
Price/Earnings Average	-17.34	-40.96	18.03	23.96	13.37	12.53	13.33	9.8	8.23	15.42
Price/Earnings High	-17.1	-38.44	17.72	25.18	14.58	12.93	18.87	10.68	10.17	18.67
Price/Earnings Low	-8.44	-27.76	14.77	19.54	11.17	10.87	10.52	8.35	5.21	10.4
Price/Book Value	-5.23	-4.82	- -	1.46	1.36	1.24	0.9	1.01	0.68	0.72
Price/Book Value Average	-7.14	-4.93	- -	1.31	1.44	1.32	0.83	0.93	0.81	0.59
Price/Book Value High	-7.04	-4.62	- -	1.37	1.57	1.36	1.17	1.01	1	0.72
Price/Book Value Low	-3.48	-3.34	- -	1.07	1.2	1.14	0.65	0.79	0.51	0.4
Price/Tangible Book Value	0.99	1.04	- -	1.47	1.37	1.23	0.88	1.02	1.05	1.06
Price/Tangible Book Value Average	1.35	1.06	- -	1.31	1.45	1.31	0.81	0.94	1.25	0.87
Price/Tangible Book Value High	1.33	1	- -	1.38	1.58	1.35	1.14	1.02	1.54	1.06
Price/Tangible Book Value Low	0.66	0.72	- -	1.07	1.21	1.13	0.64	0.8	0.79	0.59
Price/Sales	7.22	5.05	3.27	3.76	3.27	3.24	2.55	2.68	1.77	2.03
Price/Sales Average	9.85	5.16	3.18	3.36	3.48	3.43	2.34	2.46	2.09	1.68
Price/Sales High	9.72	4.84	3.12	3.53	3.79	3.54	3.32	2.68	2.59	2.03
Price/Sales Low	4.8	3.5	2.6	2.74	2.91	2.98	1.85	2.09	1.33	1.13
Price/Cash Flow	-29.87	-47.11	12.29	14.32	10.22	11.66	6.94	11.74	5.17	5.86
Price/Cash Flow Average	-40.77	-48.12	11.93	12.78	10.85	12.36	6.38	10.77	6.12	4.84
Price/Cash Flow High	-40.2	-45.16	11.73	13.44	11.84	12.76	9.03	11.74	7.57	5.86
Price/Cash Flow Low	-19.85	-32.61	9.78	10.43	9.07	10.72	5.04	9.17	3.88	3.26
Price/Free Cash Flow Average	-109.68	-58.9	11.31	10.32	10.57	11.52	5.52	10.88	6.19	4.68
Price/Free Cash Flow High	-108.14	-55.27	11.12	10.85	11.53	11.89	7.81	11.86	7.65	5.67
Price/Free Cash Flow Low	-53.4	-39.92	9.27	8.42	8.84	9.99	4.35	9.27	3.92	3.16
EV/Sales Average	7.65	3.52	3.18	0.12	1.37	1.41	- -	0.18	1.4	1.27
EV/Sales High	7.51	3.2	3.12	0.29	1.69	1.52	- -	0.4	1.9	1.62
EV/Sales Low	2.59	1.85	2.6	- -	0.8	0.95	- -	- -	0.64	0.72
EV/EBITDA Average	-14.85	66.78	124.3	4.52	57.6	58.13	-55.71	7.72	73.72	66.92
EV/EBITDA High	-14.59	60.74	122.16	10.94	70.87	62.63	-22.4	17.29	99.65	85.61
EV/EBITDA Low	-5.03	35.18	101.84	-18.66	33.6	39.34	-72.59	-8.09	33.41	38.01
EV/EBIT Average	-13.47	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-13.23	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-4.57	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	6.33	6.63	10.98	14.38	15	15.26	11.8	14.6	10.86	11.95
High Price	8.51	6.36	10.48	13.49	17.38	16.7	15.35	14.6	15.9	11.95
Enterprise Value Average	29	20	55	2	34	36	-42	5	47	41
Enterprise Value High	28	18	54	6	42	39	-17	12	64	53
Enterprise Value Low	10	10	45	-10	20	25	-54	-6	21	23

Shares Outstanding	4	4	- -	- -	- -	- -	- -	6	5	6
Diluted Weighted Avg Shares	4	4	5	5	5	6	6	6	6	6
Basic Weighted Avg Shares	4	4	5	5	5	5	6	6	5	6
Revenue per Share	0.88	1.31	3.36	3.82	4.58	4.71	4.63	5.45	6.15	5.88
EBITDA per Share	-0.45	0.07	0.09	0.1	0.11	0.11	0.14	0.13	0.12	0.11
Operating Income per Share	-0.5	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.5	-0.17	0.59	0.54	1.19	1.29	0.81	1.37	1.56	0.64
Basic EPS from Cont Ops	-0.5	-0.17	0.59	0.54	1.19	1.29	0.81	1.37	1.56	0.64
Diluted EPS, GAAP	-0.5	-0.17	0.58	0.53	1.17	1.27	0.81	1.34	1.55	0.64
Diluted EPS from Cont Ops	-0.5	-0.17	0.58	0.53	1.17	1.27	0.81	1.34	1.55	0.64
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.21	-0.14	0.89	1	1.47	1.31	1.7	1.24	2.1	2.04
Free Cash Flow per Basic Share	-0.34	-0.17	0.83	0.75	1.4	1.19	1.42	1.24	2.1	1.96
Cash & Equivalents per Share	1.93	2.16	- -	26.49	22.68	21.59	38.47	74.82	49.48	46.95
Book Value per Share	-1.21	-1.37	- -	9.83	11.06	12.3	13.12	14.4	15.91	16.64
Tangible Book Value per Share	6.42	6.39	- -	9.79	10.97	12.4	13.43	14.32	10.3	11.29

1st Capital Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)