First Community Financial Corporation Financial Ratios — FMFP

Profitability (USD)

	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	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 (%)	10.31	9.93	10.76	9.62	14.62	14.73	14.48	10.64	7.49	8.23	9.96	9.57	2.15	1.97	3.66
Return on Assets (%)	0.72	0.69	0.74	0.65	1.01	1.09	1.12	0.91	0.67	0.71	0.79	0.75	0.17	0.16	0.31
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	3.65	3.69	4.02	3.77	6.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	33.82	32.82	31.27	25.13	37.1	2.87	3.39	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	27.15	26.73	26.17	20.84	33.58	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	4,950	19	23.34	-22.89	146.13	-333.97	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.15	26.73	26.17	20.84	33.58	33.75	35.79	27.13	22.53	24.05	27.15	25.19	4.64	7.37	8.31
Profit Margin (%)	21.99	21.42	20.67	17.56	26.12	26.7	28.49	23.66	19.95	21.35	23.97	22.08	5.91	5.66	9.12
Net Income to Common Margin (%)	21.99	21.42	20.67	17.56	26.12	26.7	28.49	23.66	19.95	21.35	23.97	22.08	5.91	5.66	9.12
Effective Tax Rate (%)	19	19.86	21	15.75	22.22	20.89	20.38	12.81	11.45	11.21	11.72	12.36	- -	23.22	- -
Dvd Payout Ratio (%)	30.64	32.62	31.16	36.48	25.66	25.42	30.49	45.37	54.77	48.61	43.78	43.19	151.13	- -	12.11
Sustainable Growth Rate (%)	7.15	6.69	7.41	6.11	10.86	10.98	10.07	5.81	3.39	4.23	5.6	5.43	-1.1	1.97	3.22

Credit (USD)

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	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	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	35	33	38	32	25	23	18	37	32	49	43	78	64	49	39
ST Debt	7	10	11	5	4	3	2	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	27	23	27	27	21	20	15	37	32	49	43	78	64	49	39
Total Debt/EBITDA	11.44	10.83	10.69	9.94	4.81	51.21	32.59	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	8.06	7.69	8.64	7.64	2.76	29.81	3.2	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	14.25	13.3	12.77	11.99	5.31	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	10.04	9.44	10.32	9.22	3.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.05	6.94	6.86	6.7	7.11	7.66	7.82	9.12	8.91	8.29	7.63	7.95	7.82	8.33	8.78
Long-Term Debt/Equity (%)	138.02	107.53	115.98	107.09	74.8	64.11	43.54	79.17	63.85	88.1	75.49	210.28	159.19	126.89	85.2
Long-Term Debt/Capital (%)	50.1	42.51	45.12	48.92	40.85	38.35	30.04	44.06	39.96	49.37	44.74	58.13	53.71	46.57	40.2
Long-Term Debt/Total Assets (%)	9.75	7.66	8.31	7.63	5.65	5.2	3.6	7.19	5.93	8.08	6.18	11.04	9.07	7.26	5.9
Total Debt/Equity (%)	175.72	155.46	161.31	124.88	89.05	72.65	50.46	79.17	63.85	88.1	75.49	210.28	159.19	126.89	85.2
Total Debt/Capital (%)	63.78	61.46	62.75	57.05	48.64	43.46	34.82	44.06	39.96	49.37	44.74	58.13	53.71	46.57	40.2
Total Debt/Total Assets (%)	12.41	11.07	11.56	8.9	6.73	5.89	4.18	7.19	5.93	8.08	6.18	11.04	9.07	7.26	5.9
Net Debt to Equity	123.74	110.32	130.3	96.05	51.07	42.29	4.96	-24.37	-37.39	-52.52	-40.59	-60.93	-31.37	-35.16	-68.7
Net Debt/Capital (%)	55.36	53.09	57.64	50.53	35.19	30.92	4.99	-15.69	-30.54	-41.71	-31.67	-20.25	-11.83	-14.82	-47.96
EBITDA	3	3	4	3	5	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	3	3	3	3	5	-2	-1	- -	-1	- -	- -	- -	-1	-1	-1
Operating Income (Loss)	2	3	3	3	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	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	7.05	6.94	6.86	6.7	7.11	7.66	7.82	9.12	8.91	8.29	7.63	7.95	7.82	8.33	8.78
Long-Term Debt/Equity (%)	138.02	107.53	115.98	107.09	74.8	64.11	43.54	79.17	63.85	88.1	75.49	210.28	159.19	126.89	85.2
Long-Term Debt/Capital (%)	50.1	42.51	45.12	48.92	40.85	38.35	30.04	44.06	39.96	49.37	44.74	58.13	53.71	46.57	40.2
Long-Term Debt/Total Assets (%)	9.75	7.66	8.31	7.63	5.65	5.2	3.6	7.19	5.93	8.08	6.18	11.04	9.07	7.26	5.9
Total Debt/Equity (%)	175.72	155.46	161.31	124.88	89.05	72.65	50.46	79.17	63.85	88.1	75.49	210.28	159.19	126.89	85.2
Total Debt/Capital (%)	63.78	61.46	62.75	57.05	48.64	43.46	34.82	44.06	39.96	49.37	44.74	58.13	53.71	46.57	40.2
Total Debt/Total Assets (%)	12.41	11.07	11.56	8.9	6.73	5.89	4.18	7.19	5.93	8.08	6.18	11.04	9.07	7.26	5.9
CFO/Total Liabilities	1.07	0.91	0.93	0.14	1.51	1.64	1.32	1.27	0.94	0.91	1.01	1.02	0.36	0.36	0.58
CFO/CapEx	16.54	22.57	15.15	1.51	49.38	2.8	4.27	17.34	5.39	18.13	27.35	21.7	4.5	2.78	3.46
Altman's Z-Score	0.22	0.12	0.18	0.18	0.2	0.17	0.17	0.21	0.2	0.18	0.16	0.17	0.15	0.15	0.17

Working Capital (USD)

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	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	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)

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	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	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	43	- -	27	27	28	30	31	65	62	61	57	62	46	34	42
- Cash & Cash Equivalents	10	10	7	7	11	10	16	11	19	29	23	23	13	14	32
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	35	33	38	32	25	23	18	37	32	49	43	78	64	49	39
Enterprise Value	67	24	57	51	42	-31	-58	90	76	81	76	118	97	70	50
Total Capital	54	54	60	56	52	53	50	83	80	100	96	134	119	106	97
Total Debt/Capital (%)	63.78	61.46	62.75	57.05	48.64	43.46	34.82	44.06	39.96	49.37	44.74	58.13	53.71	46.57	40.2
Total Debt / EV	0.52	1.41	0.66	0.61	0.6	-0.75	-0.31	0.41	0.42	0.6	0.56	0.66	0.66	0.71	0.78
EV/Sales	7.5	2.52	5.06	4.06	3	- -	- -	5.05	4.25	4.27	3.55	4.96	4.79	3.58	2.18
EV/EBITDA	22.19	7.69	16.17	16.16	8.08	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	27.64	9.44	19.32	19.49	8.92	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	24.27	9.32	20.27	111.7	8.08	- -	- -	15.25	16.4	16.12	11.8	17.28	40.3	30.33	13.9
EV/Free Cash Flow to Firm	22.89	8.92	19.02	67.23	7.92	- -	- -	14.41	13.84	15.28	11.38	16.52	32.98	22.3	10.79
Diluted Market Cap	43	- -	27	27	28	30	31	65	62	61	57	62	46	34	42
Diluted Enterprise Value	67	24	57	51	42	43	32	90	76	81	76	118	97	70	50
EV per Share	23.94	8.48	20.4	18.4	15.08	- -	- -	32.02	26.82	28.78	27.06	41.62	34.36	24.6	17.68
TTM Sales	9	9	11	13	14	16	16	18	18	19	22	24	20	19	23
TTM EBITDA	3	3	4	3	5	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	2	3	3	3	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	3	3	- -	5	6	5	6	5	5	6	7	2	2	4
TTM Free Cash Flow to Firm	3	3	3	1	5	8	6	6	5	5	7	7	3	3	5

Multiples (USD)

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	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	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	14.58	- -	8.86	35.43	5.21	3.77	4.86	10.36	11.4	11.55	8.41	8.73	15.5	10.92	9.15
EV/EBIT	27.64	9.44	19.32	19.49	8.92	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	67	24	57	51	42	-31	-58	90	76	81	76	118	97	70	50
Low Price	15.25	- -	9.17	9.26	9.45	8.34	9.39	20.25	21.25	15	16.66	20	16.15	10.75	9.49
EV/Sales	7.5	2.52	5.06	4.06	3	- -	- -	5.05	4.25	4.27	3.55	4.96	4.79	3.58	2.18
EV/EBITDA	22.19	7.69	16.17	16.16	8.08	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	21.73	- -	11.39	12.19	7.55	7.23	6.74	15.34	17.54	15.11	10.94	11.88	38.11	30.94	20.23
Price/Earnings Average	21.73	- -	11.67	12.06	7.45	6.64	6.62	15.88	20.66	12.79	11	11.56	44.34	37.98	15.11
Price/Earnings High	21.73	- -	18.28	13.05	7.55	10.34	9.33	19.01	22.62	16.46	12.71	11.88	51.92	44.95	20.23
Price/Earnings Low	21.73	- -	10.99	11.64	7.19	5.65	5.84	13.51	16.87	10.42	9.11	10.8	38.11	27.63	12.8
Price/Book Value	2.17	- -	1.19	1.14	1.05	1.01	0.93	1.39	1.29	1.22	1.06	1.11	0.83	0.6	0.73
Price/Book Value Average	2.17	- -	1.22	1.13	1.03	0.93	0.91	1.44	1.52	1.03	1.07	1.08	0.96	0.74	0.54
Price/Book Value High	2.17	- -	1.9	1.22	1.05	1.44	1.29	1.72	1.67	1.33	1.23	1.11	1.13	0.88	0.73
Price/Book Value Low	2.17	- -	1.15	1.09	1	0.79	0.81	1.22	1.24	0.84	0.88	1.01	0.83	0.54	0.46
Price/Tangible Book Value	2.17	- -	1.14	1.07	0.98	0.95	0.88	1.4	1.24	1.1	0.99	1.67	1.13	0.88	0.92
Price/Tangible Book Value Average	2.17	- -	1.16	1.06	0.97	0.88	0.86	1.45	1.46	0.93	0.99	1.63	1.32	1.08	0.69
Price/Tangible Book Value High	2.17	- -	1.82	1.15	0.98	1.36	1.21	1.73	1.6	1.2	1.15	1.67	1.54	1.28	0.92
Price/Tangible Book Value Low	2.17	- -	1.1	1.02	0.94	0.75	0.76	1.23	1.19	0.76	0.82	1.52	1.13	0.79	0.58
Price/Sales	4.78	- -	2.36	2.14	1.97	1.93	1.92	3.63	3.5	3.23	2.62	2.62	2.25	1.75	1.85
Price/Sales Average	4.78	- -	2.41	2.12	1.95	1.77	1.89	3.76	4.12	2.73	2.64	2.55	2.62	2.15	1.38
Price/Sales High	4.78	- -	3.78	2.29	1.97	2.76	2.66	4.5	4.51	3.52	3.05	2.62	3.07	2.54	1.85
Price/Sales Low	4.78	- -	2.27	2.04	1.88	1.51	1.66	3.2	3.37	2.22	2.18	2.38	2.25	1.56	1.17
Price/Cash Flow	15.46	- -	9.45	58.87	5.32	5.11	6	10.95	13.52	12.18	8.72	9.14	18.95	14.84	11.8
Price/Cash Flow Average	15.46	- -	9.68	58.23	5.25	4.7	5.89	11.34	15.92	10.32	8.77	8.89	22.04	18.22	8.81
Price/Cash Flow High	15.46	- -	15.15	63	5.32	7.31	8.3	13.57	17.43	13.27	10.13	9.14	25.81	21.56	11.8
Price/Cash Flow Low	15.46	- -	9.11	56.19	5.06	4	5.2	9.64	13	8.4	7.26	8.31	18.95	13.25	7.46
Price/Free Cash Flow Average	14.58	- -	9.08	35.05	5.14	3.46	4.77	10.72	13.43	9.78	8.46	8.5	18.03	13.4	6.84
Price/Free Cash Flow High	14.58	- -	14.21	37.92	5.21	5.39	6.73	12.83	14.7	12.58	9.78	8.73	21.12	15.86	9.15
Price/Free Cash Flow Low	14.58	- -	8.55	33.82	4.96	2.95	4.21	9.12	10.96	7.96	7.01	7.94	15.5	9.75	5.79
EV/Sales Average	7.5	2.52	5.11	4.04	2.97	2.63	2	5.18	4.87	3.77	3.56	4.89	5.16	3.97	1.71
EV/Sales High	7.5	2.52	6.48	4.21	3	3.62	2.77	5.92	5.26	4.56	3.97	4.96	5.61	4.37	2.18
EV/Sales Low	7.5	2.52	4.97	3.96	2.9	2.37	1.77	4.62	4.11	3.27	3.11	4.72	4.79	3.39	1.5
EV/EBITDA Average	22.19	7.69	16.35	16.07	8	91.55	58.89	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	22.19	7.69	20.72	16.76	8.08	125.91	81.65	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	22.19	7.69	15.9	15.78	7.82	82.37	52.32	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	27.64	9.44	19.54	19.38	8.84	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	27.64	9.44	24.76	20.21	8.92	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	27.64	9.44	19	19.02	8.64	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	15.25	- -	9.51	9.7	9.93	10.67	10.84	23	22.1	21.75	20	22	16.15	12.04	15
High Price	15.25	- -	15.25	10.38	9.93	15.25	15	28.5	28.5	23.7	23.25	22	22	17.49	15
Enterprise Value Average	67	24	58	51	42	41	32	93	87	72	77	116	105	77	39
Enterprise Value High	67	24	73	53	42	56	44	106	94	87	86	118	114	85	50
Enterprise Value Low	67	24	56	50	41	37	28	83	73	62	67	112	97	66	34

Shares Outstanding	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	3.19	3.36	4.04	4.53	5.03	5.53	5.64	6.34	6.31	6.74	7.63	8.39	7.17	6.88	8.13
EBITDA per Share	1.08	1.1	1.26	1.14	1.87	0.16	0.19	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.87	0.9	1.06	0.94	1.69	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.7	0.72	0.83	0.8	1.31	1.48	1.61	1.5	1.26	1.44	1.83	1.85	0.42	0.39	0.74
Basic EPS from Cont Ops	0.7	0.72	0.83	0.8	1.31	1.48	1.61	1.5	1.26	1.44	1.83	1.85	0.42	0.39	0.74
Diluted EPS, GAAP	0.7	0.72	0.83	0.8	1.31	1.48	1.61	1.5	1.26	1.44	1.83	1.85	0.42	0.39	0.74
Diluted EPS from Cont Ops	0.7	0.72	0.83	0.8	1.31	1.48	1.61	1.5	1.26	1.44	1.83	1.85	0.42	0.39	0.74
Dividend per Share	0.22	0.24	0.26	0.29	0.34	0.38	0.49	0.68	0.69	0.7	0.8	0.8	0.64	- -	0.09
Cash Flow per Share	0.99	0.91	1.01	0.16	1.87	2.09	1.81	2.1	1.64	1.79	2.29	2.41	0.85	0.81	1.27
Free Cash Flow per Basic Share	0.93	0.87	0.94	0.06	1.83	1.34	1.38	1.98	1.33	1.69	2.21	2.3	0.66	0.52	0.9
Cash & Equivalents per Share	3.65	3.47	2.59	2.61	3.83	29.66	37.47	4.01	6.67	10.38	8.21	8	4.47	4.81	11.16
Book Value per Share	7.01	7.5	8.01	8.52	9.49	10.57	11.66	16.54	17.11	17.85	18.87	19.89	19.54	19.93	20.58
Tangible Book Value per Share	7.03	7.69	8.36	9.06	10.09	11.19	12.35	16.46	17.83	19.76	20.23	13.14	14.24	13.69	16.24

First Community Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)