Towne Bank Financial Ratios — 3T8 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014	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 (%)	5.27	7.94	8.17	8.02	9.29	7.13	7.95	10.07	8.77	8.54	11.75	10.02	7.83	7.74	7.45
Return on Assets (%)	0.84	0.89	0.92	0.87	1.11	0.94	1.06	1.36	1.2	1.1	1.39	1.17	0.94	0.95	0.92
Return on Capital (%)	4.08	4.13	4.09	3.95	5.22	4.12	4.47	5.77	5.4	5	8.55	8.36	6.49	6.51	6.5
Return on Invested Capital (%)	- -	4.45	4.61	4.19	5.71	3.87	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	28.24	31.6	30.05	36.13	27.43	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	23.5	26.25	26.07	31.14	27.04	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	132.1	21.08	53.38	11.02	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	22.37	23.5	26.25	26.07	31.14	27.04	32.92	32.33	31.3	30.4	41.21	34.54	26.72	27.44	25.22
Profit Margin (%)	16.37	16.64	17.86	17.42	20.99	18.02	19.55	25.15	24.64	21.98	31.72	27.53	22.06	23.32	20.33
Net Income to Common Margin (%)	11.24	13.91	16.05	17.11	20.99	18.02	19.55	25.15	24.64	21.98	31.72	27.53	22.06	23.32	20.33
Effective Tax Rate (%)	27.95	26.07	27.91	28.81	29.04	28.44	37.14	19.9	18.49	15.84	19.58	19.65	16.66	14.5	18.75
Dvd Payout Ratio (%)	31.63	38.7	21.9	32.55	31.87	39.57	35.17	31.65	33.23	27.02	23.56	32.69	45.76	45.91	46.09
Sustainable Growth Rate (%)	3.6	4.87	6.38	5.41	6.33	4.31	5.15	6.88	5.85	6.23	8.98	6.74	4.25	4.18	4.01

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014	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	294	380	395	398	429	688	774	1,047	720	705	405	277	460	263	336
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	294	380	395	398	429	688	774	1,047	720	705	405	277	460	263	336
Total Debt/EBITDA	- -	5.9	5.35	5.47	4	6.72	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	3.89	2.57	2.53	1.65	5.38	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	7.2	6.43	6.77	4.7	8.4	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	4.75	3.1	3.13	1.94	6.74	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.3	9.5	10.7	10.69	12.88	13.48	13.27	13.67	13.73	12.08	11.61	11.83	12.12	12.37	12.3
Long-Term Debt/Equity (%)	56.44	67.87	67.5	64.4	52.31	63.27	67.76	68.07	43.55	39.53	21.14	14.67	22.36	12.26	13.85
Long-Term Debt/Capital (%)	36.08	40.43	40.3	39.17	34.35	38.75	40.39	40.5	30.34	28.33	17.45	12.79	18.28	10.92	12.16
Long-Term Debt/Total Assets (%)	7.2	8.62	8.45	7.99	6.81	8.62	9.08	9.38	6.03	4.82	2.48	1.75	2.73	1.53	1.71
Total Debt/Equity (%)	56.44	67.87	67.5	64.4	52.31	63.27	67.76	68.07	43.55	39.53	21.14	14.67	22.36	12.26	13.85
Total Debt/Capital (%)	36.08	40.43	40.3	39.17	34.35	38.75	40.39	40.5	30.34	28.33	17.45	12.79	18.28	10.92	12.16
Total Debt/Total Assets (%)	7.2	8.62	8.45	7.99	6.81	8.62	9.08	9.38	6.03	4.82	2.48	1.75	2.73	1.53	1.71
Net Debt to Equity	-3.92	44.78	32.51	29.79	21.61	50.71	22.14	23.43	16.78	-64.98	-150.91	-46.37	-32.52	-50.13	-41.76
Net Debt/Capital (%)	-4.08	30.93	24.53	22.95	17.77	33.65	18.13	18.98	14.37	-185.58	296.44	-86.45	-48.2	-100.51	-71.7
EBITDA	- -	64	74	73	107	102	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	44	55	61	84	84	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	54	61	63	93	101	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014	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	9.3	9.5	10.7	10.69	12.88	13.48	13.27	13.67	13.73	12.08	11.61	11.83	12.12	12.37	12.3
Long-Term Debt/Equity (%)	56.44	67.87	67.5	64.4	52.31	63.27	67.76	68.07	43.55	39.53	21.14	14.67	22.36	12.26	13.85
Long-Term Debt/Capital (%)	36.08	40.43	40.3	39.17	34.35	38.75	40.39	40.5	30.34	28.33	17.45	12.79	18.28	10.92	12.16
Long-Term Debt/Total Assets (%)	7.2	8.62	8.45	7.99	6.81	8.62	9.08	9.38	6.03	4.82	2.48	1.75	2.73	1.53	1.71
Total Debt/Equity (%)	56.44	67.87	67.5	64.4	52.31	63.27	67.76	68.07	43.55	39.53	21.14	14.67	22.36	12.26	13.85
Total Debt/Capital (%)	36.08	40.43	40.3	39.17	34.35	38.75	40.39	40.5	30.34	28.33	17.45	12.79	18.28	10.92	12.16
Total Debt/Total Assets (%)	7.2	8.62	8.45	7.99	6.81	8.62	9.08	9.38	6.03	4.82	2.48	1.75	2.73	1.53	1.71
CFO/Total Liabilities	0.16	1.05	2.83	1.02	1.48	2.68	1.91	3.3	0.1	1	3.59	2.98	1.08	0.91	1.52
CFO/CapEx	0.21	1.96	6.03	3.73	3.48	10.22	10.49	15.23	0.28	2.79	16.63	7.95	3.79	2.43	5.25
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014	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	357	466	519	555	1,093	2,045	1,956	1,690	2,013	1,667	2,283	2,240	2,212	2,547	2,609
- Cash & Cash Equivalents	314	129	205	214	252	137	521	687	443	1,864	3,297	1,153	1,128	1,339	1,351
+ Preferred Equity and Hybrid Capital	135	134	76	76	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	6	7	9	9	9	11	11	13	13	17	17	15	16	15	7
+ Total Debt	294	380	395	398	429	688	774	1,047	720	705	405	277	460	263	336
Enterprise Value	148	407	251	221	556	1,795	1,354	968	862	-843	-2,398	-462	-570	1,424	1,434
Total Capital	814	940	980	1,016	1,249	1,774	1,917	2,586	2,374	2,489	2,321	2,166	2,516	2,410	2,765
Total Debt/Capital (%)	36.08	40.43	40.3	39.17	34.35	38.75	40.39	40.5	30.34	28.33	17.45	12.79	18.28	10.92	12.16
Total Debt / EV	1.99	0.93	1.57	1.8	0.77	0.38	0.57	1.08	0.84	-0.84	-0.17	-0.6	-0.81	0.18	0.23
EV/Sales	0.73	1.79	1.07	0.91	1.87	4.81	3.02	1.82	1.53	- -	- -	- -	- -	2.06	1.72
EV/EBITDA	- -	6.33	3.4	3.04	5.18	17.54	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	7.72	4.09	3.76	6.1	21.94	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	26.29	10.1	2.17	4.96	6.86	9.73	9.6	3.05	83.58	- -	- -	- -	- -	10.34	5.49
EV/Free Cash Flow to Firm	- -	20.66	2.61	6.78	9.63	10.78	10.61	3.26	- -	- -	- -	- -	- -	17.56	6.78
Diluted Market Cap	368	459	492	546	1,084	1,860	1,949	1,663	2,000	1,660	2,279	2,232	2,236	2,544	2,536
Diluted Enterprise Value	158	401	224	212	547	1,610	1,347	941	849	-850	-2,402	-470	-546	1,421	1,361
EV per Share	4.94	12.98	7.25	6.19	10.81	28.8	21.68	13.39	11.9	- -	- -	- -	- -	18.97	18.21
TTM Sales	204	228	234	242	297	373	448	532	563	662	679	686	694	692	834
TTM EBITDA	- -	64	74	73	107	102	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	54	61	63	93	101	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	40	116	45	81	185	141	318	10	128	519	416	159	138	261
TTM Free Cash Flow to Firm	-22	20	96	33	58	166	128	297	-26	82	488	363	117	81	212

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014	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	-16.97	23.28	5.1	16.75	18.76	11.18	15.27	5.6	-75.75	20.22	4.67	6.15	19.08	31.37	11.98
EV/EBIT	- -	7.72	4.09	3.76	6.1	21.94	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	148	407	251	221	556	1,795	1,354	968	862	-843	-2,398	-462	-570	1,424	1,434
Low Price	10.07	11.67	13.48	13.43	14.15	16.37	28.78	23.25	23.07	7.96	23.04	26.48	21.16	25.76	29.25
EV/Sales	0.73	1.79	1.07	0.91	1.87	4.81	3.02	1.82	1.53	- -	- -	- -	- -	2.06	1.72
EV/EBITDA	- -	6.33	3.4	3.04	5.18	17.54	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	15.49	14.36	13.08	13.17	17.34	27.66	22.15	12.4	14.39	11.4	10.57	11.81	14.59	15.72	14.89
Price/Earnings Average	16.76	13.28	12.94	12.64	14.31	18.89	22.47	15.95	13.84	10.01	10.08	11.38	12.53	13.98	15.44
Price/Earnings High	21.25	15.27	14.8	13.83	18.63	28.12	24.52	17.87	14.86	13.82	11.2	13.12	15.14	17.36	16.95
Price/Earnings Low	13.06	11.3	11.77	11.38	11.55	13.79	20.35	12.33	11.94	3.95	7.73	10.14	10.28	11.93	13.15
Price/Book Value	0.94	1.11	1.04	1.04	1.35	1.9	1.73	1.11	1.23	0.94	1.2	1.2	1.08	1.19	1.08
Price/Book Value Average	1.02	1.03	1.03	1	1.11	1.3	1.75	1.43	1.18	0.83	1.15	1.15	0.93	1.06	1.12
Price/Book Value High	1.29	1.18	1.18	1.09	1.45	1.93	1.91	1.6	1.27	1.14	1.27	1.33	1.13	1.32	1.23
Price/Book Value Low	0.79	0.88	0.93	0.9	0.9	0.95	1.59	1.1	1.02	0.33	0.88	1.03	0.76	0.91	0.95
Price/Tangible Book Value	1.35	1.55	1.37	1.4	1.74	2.65	2.38	1.64	1.77	1.31	1.64	1.63	1.46	1.58	1.51
Price/Tangible Book Value Average	1.46	1.44	1.35	1.34	1.43	1.81	2.41	2.1	1.7	1.15	1.56	1.57	1.25	1.4	1.56
Price/Tangible Book Value High	1.85	1.65	1.55	1.47	1.86	2.69	2.63	2.36	1.83	1.59	1.74	1.81	1.51	1.74	1.71
Price/Tangible Book Value Low	1.14	1.22	1.23	1.21	1.16	1.32	2.19	1.63	1.47	0.45	1.2	1.4	1.03	1.2	1.33
Price/Sales	1.74	2	2.1	2.25	3.64	4.99	4.33	3.12	3.54	2.5	3.35	3.25	3.22	3.66	3.03
Price/Sales Average	1.88	1.85	2.08	2.16	3	3.4	4.39	4.01	3.41	2.2	3.2	3.13	2.76	3.26	3.14
Price/Sales High	2.39	2.12	2.38	2.37	3.91	5.07	4.79	4.49	3.66	3.04	3.55	3.61	3.34	4.05	3.45
Price/Sales Low	1.47	1.57	1.89	1.95	2.42	2.49	3.98	3.1	2.94	0.87	2.45	2.79	2.27	2.78	2.67
Price/Cash Flow	63.06	11.29	4.25	12.25	13.34	10.08	13.76	5.22	193.59	12.97	4.39	5.37	14.04	18.41	9.66
Price/Cash Flow Average	68.25	10.44	4.2	11.76	11.01	6.88	13.96	6.72	186.27	11.4	4.19	5.18	12.05	16.38	10.01
Price/Cash Flow High	86.51	12	4.81	12.86	14.33	10.25	15.24	7.53	200.03	15.73	4.65	5.97	14.57	20.34	10.99
Price/Cash Flow Low	53.18	8.88	3.82	10.58	8.88	5.03	12.65	5.19	160.73	4.49	3.21	4.61	9.89	13.98	8.53
Price/Free Cash Flow Average	-18.36	21.53	5.05	16.08	15.48	7.63	15.49	7.21	-72.88	17.77	4.46	5.92	16.38	27.91	12.42
Price/Free Cash Flow High	-23.28	24.75	5.78	17.6	20.15	11.36	16.9	8.07	-78.27	24.52	4.95	6.83	19.8	34.66	13.63
Price/Free Cash Flow Low	-14.31	18.32	4.59	14.47	12.49	5.57	14.03	5.57	-62.89	7	3.42	5.28	13.45	23.82	10.58
EV/Sales Average	0.87	1.63	1.05	0.82	1.23	3.07	3.08	2.73	1.4	- -	- -	- -	- -	1.65	1.84
EV/Sales High	1.38	1.92	1.37	1.03	2.14	4.9	3.49	3.22	1.65	- -	- -	- -	- -	2.44	2.15
EV/Sales Low	0.45	1.35	0.85	0.6	0.64	2.06	2.67	1.8	0.92	- -	- -	- -	- -	1.17	1.35
EV/EBITDA Average	- -	5.78	3.32	2.73	3.4	11.2	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	6.79	4.33	3.42	5.93	17.87	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	4.79	2.7	2	1.78	7.52	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	7.05	4	3.38	4	14.01	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	8.27	5.21	4.23	6.98	22.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	5.84	3.25	2.47	2.09	9.4	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	11.94	14.84	14.97	15.55	21.24	32.82	31.31	23.38	27.78	23.01	31.49	30.84	30.03	33.94	33.13
High Price	16.38	15.77	16.95	16.33	22.81	33.36	34.67	33.7	28.7	27.9	33.39	34.26	31.17	37.49	37.7
Enterprise Value Average	177	372	246	199	365	1,146	1,382	1,452	786	-1,045	-2,504	-543	-883	1,142	1,530
Enterprise Value High	281	437	320	249	637	1,829	1,564	1,713	929	-488	-2,261	-213	-486	1,690	1,794
Enterprise Value Low	92	308	199	145	191	769	1,195	958	520	-1,933	-3,011	-778	-1,223	810	1,129

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014	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

Shares Outstanding	30	31	35	36	51	62	62	72	72	72	72	73	74	75	79
Diluted Weighted Avg Shares	31	31	33	35	51	57	62	71	72	72	72	72	74	75	77
Basic Weighted Avg Shares	30	31	33	35	51	57	62	71	72	72	72	72	74	75	76
Revenue per Share	6.86	7.43	7.14	6.9	5.84	6.58	7.23	7.5	7.84	9.19	9.39	9.49	9.33	9.26	10.94
EBITDA per Share	- -	2.1	2.25	2.07	2.11	1.81	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	1.75	1.87	1.8	1.82	1.78	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.77	1.03	1.15	1.18	1.22	1.19	1.41	1.89	1.93	2.02	2.98	2.61	2.06	2.16	2.22
Basic EPS from Cont Ops	1.1	1.29	1.35	1.28	1.29	1.27	1.5	1.94	2	2.35	3.11	2.63	2.08	2.17	2.24
Diluted EPS, GAAP	0.74	1.02	1.14	1.18	1.22	1.19	1.41	1.88	1.93	2.02	2.98	2.61	2.06	2.15	2.21
Diluted EPS from Cont Ops	1.06	1.28	1.35	1.28	1.29	1.27	1.49	1.94	2	2.35	3.11	2.63	2.08	2.17	2.23
Dividend per Share	0.58	0.64	0.41	0.46	0.43	0.54	0.56	0.63	0.69	0.72	0.76	0.87	0.96	1	1.04
Cash Flow per Share	0.19	1.31	3.53	1.27	1.59	3.26	2.28	4.48	0.14	1.77	7.18	5.74	2.14	1.84	3.43
Free Cash Flow per Basic Share	-0.73	0.64	2.94	0.93	1.13	2.94	2.06	4.18	-0.37	1.14	6.75	5.02	1.57	1.09	2.78
Cash & Equivalents per Share	21.52	18.46	21.59	22.92	18.95	15.24	22.21	24.66	26	44.61	70.4	41.21	44.21	18.68	19.28
Book Value per Share	12.68	13.34	14.42	14.92	15.76	17.25	18.11	21.11	22.65	24.38	26.2	25.8	27.68	28.4	30.76
Tangible Book Value per Share	8.84	9.55	10.96	11.12	12.24	12.39	13.17	14.3	15.73	17.51	19.2	18.89	20.61	21.5	21.99