First Niles Financial, Inc. PFD SER A Financial Ratios — FNFPA

Profitability (USD)

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	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 (%)	6.25	6.38	1.63	-2.42	2.01	1.76	6.26	3.72	3.46	2.35	4.15	1.77	6.03	6.2	5.34
Return on Assets (%)	1.04	1.06	0.24	-0.29	0.23	0.22	0.77	0.44	0.43	0.29	0.5	0.2	0.56	0.55	0.54
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.01	1.24	- -	1.58	1.53	1.58	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	45.79	45.05	15.94	-28.65	6.61	8.38	27.27	8.24	20.25	14.51	12.69	6.18	14.48	14.44	12.06
Profit Margin (%)	31.93	31.69	10.55	-16.57	10.12	10.15	18.52	10.37	17.89	12.31	10.36	3.55	11.67	10.79	9.02
Net Income to Common Margin (%)	31.93	31.69	10.55	-16.57	10.12	10.15	18.52	10.37	17.89	12.31	10.36	3.55	11.67	10.79	9.02
Effective Tax Rate (%)	30.27	29.66	33.79	- -	- -	- -	32.08	- -	11.64	15.17	18.38	42.47	19.36	25.28	25.22
Dvd Payout Ratio (%)	76.94	80.21	153.94	-92.96	101.33	107.55	- -	104.11	56.24	90.4	51.02	129.37	40.35	37.78	43.11
Sustainable Growth Rate (%)	1.44	1.26	-0.88	-4.66	-0.03	-0.13	6.26	-0.15	1.51	0.23	2.03	-0.52	3.6	3.86	3.04

Credit (USD)

Credit Ratios API ChatGPT

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	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	20	20	26	24	25	26	- -	29	25	30	27	35	53	56	49
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	20	20	26	24	25	26	- -	29	25	30	27	35	53	56	49
Total Debt/EBITDA	315.38	500	- -	888.89	735.29	803.03	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	220.34	388.02	- -	686.89	515.32	627.79	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	16.54	16.64	12.85	10.73	12.39	12.29	- -	11.89	12.79	11.78	12.29	9.82	8.71	9.06	11.09
Long-Term Debt/Equity (%)	124.9	125.03	198.13	231.08	209.19	218.88	- -	247.3	197.63	233.39	177.82	266.98	388.48	398.45	282.27
Long-Term Debt/Capital (%)	55.54	55.56	66.46	69.8	67.66	68.64	- -	71.21	66.4	70.01	64.01	72.75	79.53	79.94	73.84
Long-Term Debt/Total Assets (%)	20.66	20.81	25.45	24.8	25.92	26.91	- -	29.4	25.27	27.48	21.86	26.21	33.82	36.1	31.3
Total Debt/Equity (%)	124.9	125.03	198.13	231.08	209.19	218.88	- -	247.3	197.63	233.39	177.82	266.98	388.48	398.45	282.27
Total Debt/Capital (%)	55.54	55.56	66.46	69.8	67.66	68.64	- -	71.21	66.4	70.01	64.01	72.75	79.53	79.94	73.84
Total Debt/Total Assets (%)	20.66	20.81	25.45	24.8	25.92	26.91	- -	29.4	25.27	27.48	21.86	26.21	33.82	36.1	31.3
Net Debt to Equity	87.26	97.03	-117.95	178.57	146.61	171.12	- -	-35.77	-23.58	-181.93	-178.71	-57.6	-109.33	-64.41	-60.49
Net Debt/Capital (%)	46.6	49.25	-65.47	64.1	59.45	63.12	- -	-11.48	-8.6	-120.12	-180.3	-18.62	-28.83	-14.84	-18.8
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	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	16.54	16.64	12.85	10.73	12.39	12.29	- -	11.89	12.79	11.78	12.29	9.82	8.71	9.06	11.09
Long-Term Debt/Equity (%)	124.9	125.03	198.13	231.08	209.19	218.88	- -	247.3	197.63	233.39	177.82	266.98	388.48	398.45	282.27
Long-Term Debt/Capital (%)	55.54	55.56	66.46	69.8	67.66	68.64	- -	71.21	66.4	70.01	64.01	72.75	79.53	79.94	73.84
Long-Term Debt/Total Assets (%)	20.66	20.81	25.45	24.8	25.92	26.91	- -	29.4	25.27	27.48	21.86	26.21	33.82	36.1	31.3
Total Debt/Equity (%)	124.9	125.03	198.13	231.08	209.19	218.88	- -	247.3	197.63	233.39	177.82	266.98	388.48	398.45	282.27
Total Debt/Capital (%)	55.54	55.56	66.46	69.8	67.66	68.64	- -	71.21	66.4	70.01	64.01	72.75	79.53	79.94	73.84
Total Debt/Total Assets (%)	20.66	20.81	25.45	24.8	25.92	26.91	- -	29.4	25.27	27.48	21.86	26.21	33.82	36.1	31.3
CFO/Total Liabilities	1.24	0.53	1.02	0.37	0.6	0.19	- -	0.61	0.68	0.45	4.18	0.34	-1.63	-3.36	-1.23
CFO/CapEx	- -	- -	22.24	14.5	8.84	41	- -	5.54	17.38	14.63	456.5	13.1	-57	-83.95	-77.64
Altman's Z-Score	0.23	0.24	0.21	0.2	0.21	0.28	- -	0.26	0.27	0.25	0.26	0.24	0.2	0.2	0.22

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	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	5.04	5.7	7.89	10.61	7.28	7.09	13.59	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	72.39	64.02	46.26	34.39	50.16	51.48	26.85	- -	- -	- -	- -	- -	- -	- -	- -
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

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	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	- -	- -	- -	- -	- -	11	- -	9	9	9	11	9	9	5	6
- Cash & Cash Equivalents	6	5	15	5	7	6	- -	4	3	24	27	8	15	9	11
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	20	20	26	24	25	26	- -	29	25	30	27	35	53	56	49
Enterprise Value	14	16	11	19	18	32	- -	34	31	16	11	36	47	53	44
Total Capital	37	37	39	34	37	39	- -	41	38	43	43	48	67	71	66
Total Debt/Capital (%)	55.54	55.56	66.46	69.8	67.66	68.64	- -	71.21	66.4	70.01	64.01	72.75	79.53	79.94	73.84
Total Debt / EV	1.43	1.29	2.47	1.29	1.43	0.83	- -	0.86	0.81	1.94	2.58	0.96	1.13	1.07	1.11
EV/Sales	4.43	4.82	4.61	10.82	7.88	15.25	- -	16.03	13.13	6.34	1.86	5.14	6.8	6.58	4.75
EV/EBITDA	220.34	388.02	- -	686.89	515.32	965.11	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	13.96	36.57	11.54	58.14	34.76	194.2	- -	63.59	52.76	35.42	2.31	89.72	- -	- -	- -
EV/Free Cash Flow to Firm	13.96	36.57	11.04	54.39	31.23	189.58	- -	53.87	49.89	33.16	2.3	83.35	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	14	16	11	19	18	21	- -	25	22	7	- -	28	38	47	39
EV per Share	10.34	11.49	- -	16.66	15.74	28.61	- -	30.39	28.01	13.97	7.9	32.73	42.26	47.27	28.84
TTM Sales	3	3	2	2	2	2	2	2	2	2	6	7	7	8	9
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	- -	1	- -	1	- -	- -	1	1	- -	5	- -	-2	-5	-2
TTM Free Cash Flow to Firm	1	- -	1	- -	1	- -	- -	1	1	- -	5	- -	-2	-5	-2

Multiples (USD)

Valuation Multiples API ChatGPT

	2004 Y	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	14	16	11	19	18	32	- -	34	31	16	11	36	47	53	44
Low Price	- -	- -	- -	- -	- -	10	8	8	8	8	8	4.96	8	4	3.8
EV/Sales	4.43	4.82	4.61	10.82	7.88	15.25	- -	16.03	13.13	6.34	1.86	5.14	6.8	6.58	4.75
EV/EBITDA	220.34	388.02	- -	686.89	515.32	965.11	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	0.92	- -	0.76	0.7	0.69	0.7	0.68	0.65	0.37	0.34
Price/Book Value Average	- -	- -	- -	- -	- -	0.92	- -	0.76	0.7	0.69	0.7	0.68	0.65	0.39	0.4
Price/Book Value High	- -	- -	- -	- -	- -	0.92	- -	0.76	0.7	0.69	0.7	0.68	0.65	0.63	0.42
Price/Book Value Low	- -	- -	- -	- -	- -	0.92	- -	0.76	0.7	0.69	0.7	0.42	0.65	0.31	0.34
Price/Tangible Book Value	- -	- -	- -	- -	- -	0.92	- -	0.76	0.7	0.69	0.78	0.78	0.74	0.42	0.37
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	0.92	- -	0.76	0.7	0.69	0.78	0.77	0.74	0.45	0.44
Price/Tangible Book Value High	- -	- -	- -	- -	- -	0.92	- -	0.76	0.7	0.69	0.78	0.78	0.74	0.71	0.47
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	0.92	- -	0.76	0.7	0.69	0.78	0.48	0.74	0.36	0.37
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	4.43	4.82	4.61	10.82	7.88	15.25	- -	16.03	13.13	6.34	1.86	5.13	6.8	6.61	4.87
EV/Sales High	4.43	4.82	4.61	10.82	7.88	15.25	- -	16.03	13.13	6.34	1.86	5.14	6.8	7.03	4.91
EV/Sales Low	4.43	4.82	4.61	10.82	7.88	15.25	- -	16.03	13.13	6.34	1.86	4.66	6.8	6.47	4.75
EV/EBITDA Average	220.34	388.02	- -	686.89	515.32	965.11	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	220.34	388.02	- -	686.89	515.32	965.11	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	220.34	388.02	- -	686.89	515.32	965.11	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	10	8	8	8	8	8	8	8	4.75	3.8
High Price	- -	- -	- -	- -	- -	10	8	8	8	8	8	8	8	8	4.75
Enterprise Value Average	14	16	11	19	18	32	- -	34	31	16	11	36	47	53	45
Enterprise Value High	14	16	11	19	18	32	- -	34	31	16	11	36	47	56	46
Enterprise Value Low	14	16	11	19	18	32	- -	34	31	16	11	33	47	52	44

Shares Outstanding	1	1	- -	1	1	1	- -	1	1	1	1	1	1	1	2
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	4.46	3.32	- -	4.9	6.72	5.2	- -	3.79	2.71	21.11	20.52	6.8	13.42	8.2	6.83
Book Value per Share	11.85	11.84	- -	9.33	10.74	10.88	- -	10.59	11.5	11.6	11.48	11.81	12.27	12.73	11.29
Tangible Book Value per Share	11.85	11.84	- -	9.33	10.74	10.88	- -	10.59	11.5	11.6	10.23	10.31	10.77	11.23	10.2

First Niles Financial, Inc. PFD SER A

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)