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 (%)	7.26	7.25	1.73	-2.17	1.76	1.66	5.92	3.38	3.26	2.3	4.41	1.88	5.99	6.22	5.85
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 (%)	1.67	1.43	-0.93	-4.19	-0.02	-0.12	5.92	-0.14	1.43	0.22	2.16	-0.55	3.57	3.87	3.33

Credit (USD)

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	14.45	14.76	13.08	13.24	13.28	12.99	- -	13.05	13.11	11.99	10.8	9.98	8.68	9.05	9.34
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 (%)	58.85	58.5	66.06	65.19	66.12	67.44	- -	69.25	65.83	69.62	66.94	72.41	79.58	79.95	77.01
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 (%)	58.85	58.5	66.06	65.19	66.12	67.44	- -	69.25	65.83	69.62	66.94	72.41	79.58	79.95	77.01
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 (%)	49.98	52.25	-64.81	59.14	57.77	61.82	- -	-11.13	-8.53	-118.67	-205.54	-18.52	-28.86	-14.84	-19.77
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	14.45	14.76	13.08	13.24	13.28	12.99	- -	13.05	13.11	11.99	10.8	9.98	8.68	9.05	9.34
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 (%)	58.85	58.5	66.06	65.19	66.12	67.44	- -	69.25	65.83	69.62	66.94	72.41	79.58	79.95	77.01
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 (%)	58.85	58.5	66.06	65.19	66.12	67.44	- -	69.25	65.83	69.62	66.94	72.41	79.58	79.95	77.01
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	0.2	- -	0.2	0.21	0.19	0.2	0.19	0.17	0.18	0.19

Working Capital (USD)

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)

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- 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	21	- -	25	22	7	- -	28	38	47	39
Total Capital	35	35	39	37	38	39	- -	42	38	43	41	48	67	71	64
Total Debt/Capital (%)	58.85	58.5	66.06	65.19	66.12	67.44	- -	69.25	65.83	69.62	66.94	72.41	79.58	79.95	77.01
Total Debt / EV	1.43	1.29	2.47	1.29	1.43	1.28	- -	1.17	1.14	4.54	-201.6	1.28	1.39	1.19	1.27
EV/Sales	4.43	4.82	4.61	10.82	7.88	9.92	- -	11.81	9.38	2.71	- -	3.88	5.51	5.92	4.13
EV/EBITDA	220.34	388.02	- -	686.89	515.32	627.79	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	13.96	36.57	11.54	58.14	34.76	126.32	- -	46.86	37.69	15.14	- -	67.79	- -	- -	- -
EV/Free Cash Flow to Firm	13.96	36.57	11.04	54.39	31.23	123.32	- -	39.69	35.64	14.17	- -	62.98	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	14	16	11	19	18	21	- -	25	22	7	- -	28	38	47	39
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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)

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	21	- -	25	22	7	- -	28	38	47	39
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	9.92	- -	11.81	9.38	2.71	- -	3.88	5.51	5.92	4.13
EV/EBITDA	220.34	388.02	- -	686.89	515.32	627.79	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	9.92	- -	11.81	9.38	2.71	- -	3.88	5.51	5.92	4.13
EV/Sales High	4.43	4.82	4.61	10.82	7.88	9.92	- -	11.81	9.38	2.71	- -	3.88	5.51	5.92	4.13
EV/Sales Low	4.43	4.82	4.61	10.82	7.88	9.92	- -	11.81	9.38	2.71	- -	3.88	5.51	5.92	4.13
EV/EBITDA Average	220.34	388.02	- -	686.89	515.32	627.79	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	220.34	388.02	- -	686.89	515.32	627.79	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	220.34	388.02	- -	686.89	515.32	627.79	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	21	- -	25	22	7	- -	28	38	47	39
Enterprise Value High	14	16	11	19	18	21	- -	25	22	7	- -	28	38	47	39
Enterprise Value Low	14	16	11	19	18	21	- -	25	22	7	- -	28	38	47	39

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

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)