Orrstown Financial Services, Inc. Financial Ratios — OFR

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 (%)	-22.14	-35.62	11.17	26.65	6.05	4.95	5.79	8.05	8.53	11.27	12.7	8.81	14.44	5.64	14.59
Return on Assets (%)	-2.16	-2.87	0.83	2.46	0.63	0.49	0.54	0.73	0.78	1.03	1.18	0.77	1.19	0.52	1.47
Return on Capital (%)	- -	- -	- -	- -	3.71	3.09	3.3	4.12	3.51	5.54	10.25	6.55	8.9	3.88	10.08
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-56.85	-50.7	20.06	25.01	18.04	14.21	19.73	19.96	20.28	29.33	35.58	21.24	34.83	14.6	41.23
Profit Margin (%)	-42.43	-63.92	20.48	56.03	14.94	11.93	12.84	17.69	17.48	23.87	28.61	17.59	27.58	11.58	32.48
Net Income to Common Margin (%)	-42.43	-63.92	20.48	56.03	14.94	11.93	12.84	17.69	17.48	23.87	28.61	17.59	27.58	11.58	32.48
Effective Tax Rate (%)	- -	- -	- -	- -	17.19	16.04	34.91	11.35	13.8	18.6	19.6	17.2	20.81	20.7	21.22
Dvd Payout Ratio (%)	-17.27	- -	- -	- -	23.14	43.72	43.11	34.17	36.34	28.76	25.18	37.5	23.79	59.76	25.53
Sustainable Growth Rate (%)	-25.97	-35.62	11.17	26.65	4.65	2.78	3.29	5.3	5.43	8.03	9.5	5.5	11	2.27	10.87

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	74	37	66	80	84	76	134	170	396	90	34	138	170	184	312
ST Debt	20	- -	50	65	60	52	50	55	155	- -	- -	- -	- -	- -	- -
LT Debt	54	37	16	15	24	24	84	115	242	90	34	138	170	184	312
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.88	7.11	7.76	10.69	10.29	9.53	9.29	8.97	9.37	8.95	9.58	7.83	8.65	9.5	10.67
Long-Term Debt/Equity (%)	41.97	42.73	17.58	11.64	18.41	17.92	57.9	66.49	108.18	36.53	12.46	60.36	63.98	35.62	52.71
Long-Term Debt/Capital (%)	26.63	29.94	10.21	7.15	11.26	11.45	30.09	33.55	38.98	26.75	11.08	37.64	39.02	26.26	34.52
Long-Term Debt/Total Assets (%)	3.73	3.04	1.36	1.24	1.89	1.71	5.38	5.96	10.13	3.27	1.19	4.73	5.53	3.38	5.63
Total Debt/Equity (%)	57.57	42.73	72.26	62.71	63.5	56.48	92.44	98.2	177.55	36.53	12.46	60.36	63.98	35.62	52.71
Total Debt/Capital (%)	36.53	29.94	41.95	38.54	38.84	36.09	48.03	49.55	63.97	26.75	11.08	37.64	39.02	26.26	34.52
Total Debt/Total Assets (%)	5.11	3.04	5.61	6.7	6.54	5.38	8.58	8.8	16.63	3.27	1.19	4.73	5.53	3.38	5.63
Net Debt to Equity	-27.98	-129.11	31.19	38.03	42.2	34.03	71.85	56.79	152.48	-14.34	-64.36	33.79	39.4	-12.55	27.39
Net Debt/Capital (%)	-38.85	443.57	23.77	27.55	29.68	25.39	41.81	36.22	60.39	-16.74	-180.62	25.26	28.26	-14.35	21.5
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

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	8.88	7.11	7.76	10.69	10.29	9.53	9.29	8.97	9.37	8.95	9.58	7.83	8.65	9.5	10.67
Long-Term Debt/Equity (%)	41.97	42.73	17.58	11.64	18.41	17.92	57.9	66.49	108.18	36.53	12.46	60.36	63.98	35.62	52.71
Long-Term Debt/Capital (%)	26.63	29.94	10.21	7.15	11.26	11.45	30.09	33.55	38.98	26.75	11.08	37.64	39.02	26.26	34.52
Long-Term Debt/Total Assets (%)	3.73	3.04	1.36	1.24	1.89	1.71	5.38	5.96	10.13	3.27	1.19	4.73	5.53	3.38	5.63
Total Debt/Equity (%)	57.57	42.73	72.26	62.71	63.5	56.48	92.44	98.2	177.55	36.53	12.46	60.36	63.98	35.62	52.71
Total Debt/Capital (%)	36.53	29.94	41.95	38.54	38.84	36.09	48.03	49.55	63.97	26.75	11.08	37.64	39.02	26.26	34.52
Total Debt/Total Assets (%)	5.11	3.04	5.61	6.7	6.54	5.38	8.58	8.8	16.63	3.27	1.19	4.73	5.53	3.38	5.63
CFO/Total Liabilities	2.65	1.63	3.03	1.62	1.05	1.22	1.16	1.28	0.42	1.2	1.59	1.34	1.56	0.71	1.51
CFO/CapEx	24.1	11.64	17.64	20.09	8.27	1.17	6.16	4.69	3.12	23.16	32.54	40.44	19.06	22.1	17.65
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital 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

Accounts Receivable Turnover	14.68	15.55	14.83	16.01	15.19	13.04	12.96	13.19	16.18	14.81	13.39	13.01	10.49	10.98	11.7
Days Sales Outstanding	24.86	23.47	24.62	22.8	24.03	27.99	28.16	27.67	22.56	24.64	27.25	28.05	34.8	33.25	31.18
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

	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	184	276	247	312	634	692
- Cash & Cash Equivalents	110	151	38	31	28	30	30	72	56	125	209	61	65	249	150
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	74	37	66	80	84	76	134	170	396	90	34	138	170	184	312
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-318	-371	-190	-97	-261	853
Total Capital	202	125	158	207	218	211	279	344	620	336	306	367	435	701	903
Total Debt/Capital (%)	36.53	29.94	41.95	38.54	38.84	36.09	48.03	49.55	63.97	26.75	11.08	37.64	39.02	26.26	34.52
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.28	-0.09	-0.73	-1.74	-0.71	0.37
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.43
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.42
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.1
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	181	274	248	306	488	687
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-321	-373	-189	-103	-407	848
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	43.73
TTM Sales	75	60	49	52	53	56	63	72	97	111	115	125	129	190	249
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	12	16	16	22	9	30	41	36	44	35	75
TTM Free Cash Flow to Firm	- -	- -	- -	- -	11	2	14	18	6	29	40	35	41	33	70

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.27	6.93	7.02	7.4	14.61	9.74
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-318	-371	-190	-97	-261	853
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.68	16.24	21.66	15.3	24.65	24.33
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.43
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.78	8.24	11.08	8.51	21.88	8.43
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.34	7.52	11.8	6.2	20.49	7.64
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.61	8.58	13.29	8.51	27.49	8.99
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.24	5.42	10.37	4.44	16.5	5.78
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.75	1.02	1.08	1.18	1.23	1.17
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.7	0.93	1.15	0.86	1.15	1.06
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.84	1.06	1.29	1.18	1.54	1.25
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.58	0.67	1.01	0.61	0.93	0.8
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.83	1.11	1.19	1.28	1.58	1.43
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.77	1.01	1.27	0.93	1.48	1.3
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.93	1.16	1.43	1.28	1.99	1.53
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.64	0.73	1.12	0.67	1.19	0.98
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.62	2.36	1.95	2.35	2.53	2.74
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.51	2.15	2.08	1.71	2.37	2.48
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.82	2.46	2.34	2.35	3.18	2.92
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.25	1.55	1.82	1.22	1.91	1.88
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.95	6.64	6.74	6.95	13.8	9.12
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.56	6.06	7.18	5.06	12.92	8.26
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.68	6.92	8.09	6.95	17.34	9.73
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.6	4.36	6.32	3.62	10.41	6.25
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.86	6.33	7.47	5.39	13.68	8.83
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.04	7.23	8.41	7.4	18.35	10.39
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.84	4.56	6.57	3.86	11.02	6.68
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.17
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.61
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.55
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.4	24.7	23.13	29.36	32.69	35.48
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.42	25.74	27.74	29.36	41.06	37.86
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-330	-395	-173	-182	-301	788
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-295	-359	-140	-97	-98	899
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-360	-466	-205	-247	-417	636

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	8	8	8	8	8	8	8	9	11	11	11	11	11	19	20
Diluted Weighted Avg Shares	8	8	8	8	8	8	8	9	11	11	11	11	10	15	19
Basic Weighted Avg Shares	8	8	8	8	8	8	8	8	10	11	11	11	10	15	19
Revenue per Share	9.38	7.46	6.03	6.41	6.47	6.87	7.79	8.65	9.34	10.13	10.48	11.87	12.51	12.9	12.96
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-3.98	-4.77	1.24	3.59	0.97	0.82	1	1.53	1.63	2.42	3	2.09	3.45	1.49	4.21
Basic EPS from Cont Ops	-3.98	-4.77	1.24	3.59	0.97	0.82	1	1.53	1.63	2.42	3	2.09	3.45	1.49	4.21
Diluted EPS, GAAP	-3.98	-4.77	1.24	3.59	0.97	0.81	0.98	1.5	1.61	2.4	2.96	2.06	3.42	1.48	4.18
Diluted EPS from Cont Ops	-3.98	-4.77	1.24	3.59	0.97	0.81	0.98	1.5	1.61	2.4	2.96	2.06	3.42	1.48	4.18
Dividend per Share	0.69	- -	- -	- -	0.22	0.36	0.43	0.52	0.59	0.7	0.75	0.78	0.82	0.89	1.08
Cash Flow per Share	4.34	2.31	4.07	2.13	1.49	1.93	2.02	2.69	0.88	2.76	3.72	3.43	4.23	2.37	3.89
Free Cash Flow per Basic Share	4.16	2.11	3.84	2.02	1.31	0.27	1.69	2.11	0.6	2.64	3.61	3.34	4	2.26	3.67
Cash & Equivalents per Share	52.15	56.02	54.83	49.32	51.07	51.95	53.33	57.01	48.83	52.83	60.91	53.84	54.53	55.63	7.73
Book Value per Share	15.92	10.85	11.28	15.4	16.08	16.28	17.34	18.39	19.93	21.98	24.29	21.45	24.98	26.65	30.32
Tangible Book Value per Share	15.79	10.75	11.2	15.35	16.06	16.28	17.21	16.64	17.51	19.83	22.24	19.41	22.98	20.67	24.8