OP Bancorp Financial Ratios — OP3 Stock

Profitability (USD)

	2006 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	12/31/2006	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 (%)	-10.05	28.78	17.36	9.28	8.65	9.66	10.69	12.88	12.4	9.25	18.69	19.47	12.94	10.6	11.84
Return on Assets (%)	-1.38	3.37	1.81	1.03	1.04	1.08	1.11	1.47	1.51	1.03	1.86	1.74	1.13	0.93	1.02
Return on Capital (%)	- -	- -	- -	7.08	6.35	8.08	7.94	10.51	11.95	8.54	17.36	18.37	9.68	6.85	7.93
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	17.02	20.15	30.22	33.24	33	38.32	38.69	39.64	32.48	52.77	49.43	40.41	35.45	37.31
Profit Margin (%)	-34.02	47.71	29.28	17.78	19.56	19.89	20.66	28.34	30.09	23.38	37.43	35.24	28.86	25.68	27.08
Net Income to Common Margin (%)	-34.02	47.71	29.28	17.78	19.56	19.89	20.66	28.34	30.09	23.38	37.43	35.24	28.86	25.68	27.08
Effective Tax Rate (%)	- -	- -	- -	41.15	41.15	39.72	46.08	26.75	24.09	28.01	29.06	28.71	28.58	27.55	27.44
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	18.8	32.47	17.79	20.04	30.39	33.9	27.83
Sustainable Growth Rate (%)	-10.05	28.78	17.36	9.28	8.65	9.66	10.69	12.88	10.06	6.24	15.37	15.57	9.01	7	8.55

Credit (USD)

Credit Ratios API ChatGPT

	2006 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	12/31/2006	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	- -	10	- -	30	20	10	50	- -	10	13	10	10	114	103	111
ST Debt	- -	5	- -	- -	- -	- -	25	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	5	- -	30	20	10	25	- -	10	13	10	10	114	103	111
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	10.65	12.56	9.11	12.39	11.74	10.68	10.15	12.43	11.92	10.49	9.57	8.45	8.97	8.66	8.6
Long-Term Debt/Equity (%)	- -	19.31	- -	45.84	27.59	12.3	27.33	- -	7.2	9.37	6.24	5.77	59.36	50.18	48.6
Long-Term Debt/Capital (%)	- -	13.93	- -	31.43	21.63	10.95	17.67	- -	6.72	8.56	5.87	5.46	37.25	33.41	32.71
Long-Term Debt/Total Assets (%)	- -	2.43	- -	5.68	3.24	1.31	2.77	- -	0.86	0.98	0.6	0.49	5.32	4.35	4.18
Total Debt/Equity (%)	- -	38.62	- -	45.84	27.59	12.3	54.66	- -	7.2	9.37	6.24	5.77	59.36	50.18	48.6
Total Debt/Capital (%)	- -	27.86	- -	31.43	21.63	10.95	35.34	- -	6.72	8.56	5.87	5.46	37.25	33.41	32.71
Total Debt/Total Assets (%)	- -	4.85	- -	5.68	3.24	1.31	5.55	- -	0.86	0.98	0.6	0.49	5.32	4.35	4.18
Net Debt to Equity	-14.95	-58.5	-59.36	-53.1	-24.01	-12.46	-14.48	-59.89	-61.2	-70.67	-69.88	-46.9	7.11	-19.53	-29.76
Net Debt/Capital (%)	-17.58	-140.94	-146.06	-113.21	-31.59	-14.23	-16.94	-149.3	-133.05	-200.67	-192.21	-79.66	6.35	-23.17	-39.61
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2006 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	12/31/2006	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	10.65	12.56	9.11	12.39	11.74	10.68	10.15	12.43	11.92	10.49	9.57	8.45	8.97	8.66	8.6
Long-Term Debt/Equity (%)	- -	19.31	- -	45.84	27.59	12.3	27.33	- -	7.2	9.37	6.24	5.77	59.36	50.18	48.6
Long-Term Debt/Capital (%)	- -	13.93	- -	31.43	21.63	10.95	17.67	- -	6.72	8.56	5.87	5.46	37.25	33.41	32.71
Long-Term Debt/Total Assets (%)	- -	2.43	- -	5.68	3.24	1.31	2.77	- -	0.86	0.98	0.6	0.49	5.32	4.35	4.18
Total Debt/Equity (%)	- -	38.62	- -	45.84	27.59	12.3	54.66	- -	7.2	9.37	6.24	5.77	59.36	50.18	48.6
Total Debt/Capital (%)	- -	27.86	- -	31.43	21.63	10.95	35.34	- -	6.72	8.56	5.87	5.46	37.25	33.41	32.71
Total Debt/Total Assets (%)	- -	4.85	- -	5.68	3.24	1.31	5.55	- -	0.86	0.98	0.6	0.49	5.32	4.35	4.18
CFO/Total Liabilities	- -	-2.01	-0.93	5.38	1.64	1.56	-0.27	3.35	1.83	-0.4	-1.81	4.37	3.47	1.45	1.08
CFO/CapEx	- -	-3.96	-1.23	9.8	4.76	40.86	-5.1	25.61	10.91	-7.84	-25.14	59.3	31.02	20	9.34
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2006 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	12/31/2006	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	10.37	22.83	25.79	25.28	22.28	20.96	20.02	18.18	17.87	15.7	17.99	16.08	10.73	9.4	9.63
Days Sales Outstanding	35.2	15.99	14.16	14.44	16.39	17.42	18.23	20.07	20.43	23.25	20.29	22.7	34	38.81	37.91
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

	2006 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	12/31/2006	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	112	195	170	161	183	206
- Cash & Cash Equivalents	3	25	19	65	37	20	63	78	86	106	115	83	91	135	167
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	10	- -	30	20	10	50	- -	10	13	10	10	114	103	111
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-73	-61	-113	-10	-35	149
Total Capital	17	36	31	95	92	91	141	130	151	157	176	187	307	308	339
Total Debt/Capital (%)	- -	27.86	- -	31.43	21.63	10.95	35.34	- -	6.72	8.56	5.87	5.46	37.25	33.41	32.71
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.19	-0.17	-0.09	-11.22	-2.94	0.74
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.58
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.7
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.39
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	114	195	169	163	184	206
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-71	-60	-113	-8	-34	149
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.05
TTM Sales	5	13	17	25	30	37	45	50	56	56	77	95	83	82	95
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	25	9	11	-2	31	19	-5	-28	84	68	31	26
TTM Free Cash Flow to Firm	- -	- -	- -	22	7	10	-3	29	17	-5	-29	82	66	30	23

Multiples (USD)

Valuation Multiples API ChatGPT

	2006 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	12/31/2006	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	-20.78	-6.64	2.06	2.48	6.19	8.82
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-73	-61	-113	-10	-35	149
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.92	7.35	10.13	7.37	8.76	10.1
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.58
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.64	6.74	5.06	6.8	8.72	8.02
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.97	5.37	5.44	5.89	8.05	7.5
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.03	7.28	6.54	7.38	13.92	8.62
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.83	3.84	4.6	4.66	6.17	5.84
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.78	1.18	0.96	0.84	0.89	0.9
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.72	0.94	1.03	0.72	0.82	0.84
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.82	1.27	1.24	0.91	1.43	0.97
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.62	0.67	0.87	0.57	0.63	0.66
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.78	1.18	0.96	0.84	0.89	0.9
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.72	0.94	1.03	0.72	0.82	0.84
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.82	1.27	1.24	0.91	1.43	0.97
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.62	0.67	0.87	0.57	0.63	0.66
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.02	2.52	1.78	1.96	2.24	2.17
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.86	2.01	1.92	1.7	2.07	2.03
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.11	2.72	2.3	2.13	3.57	2.33
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.6	1.44	1.62	1.34	1.58	1.58
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	-23.38	-6.87	2.01	2.4	5.88	7.86
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-21.58	-5.47	2.16	2.08	5.43	7.34
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-24.45	-7.42	2.6	2.61	9.38	8.44
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-18.49	-3.91	1.83	1.64	4.16	5.73
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-19.17	-5.29	2.21	2.15	5.72	8.24
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-21.72	-7.17	2.66	2.69	9.88	9.48
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-16.43	-3.78	1.87	1.7	4.38	6.43
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.43
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.04	0.9	1.74
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.99
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.48	12.91	11.14	10.76	12.39	13.86
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.82	13.95	14.39	11.68	19.76	14.89
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-81	-100	-100	-32	-49	136
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-67	-45	-63	4	74	164
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-96	-145	-128	-61	-89	93

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2006 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	12/31/2006	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	2	2	7	12	13	13	13	16	16	15	15	15	15	15	15
Diluted Weighted Avg Shares	2	2	7	11	15	13	13	16	16	15	15	15	15	15	15
Basic Weighted Avg Shares	2	2	7	10	15	13	13	15	16	15	15	15	15	15	15
Revenue per Share	2.42	5.92	2.34	2.54	2.01	2.93	3.43	3.34	3.55	3.7	5.12	6.25	5.48	5.53	6.38
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.82	2.82	0.69	0.45	0.39	0.58	0.71	0.95	1.07	0.87	1.92	2.2	1.58	1.42	1.73
Basic EPS from Cont Ops	-0.82	2.82	0.69	0.45	0.39	0.58	0.71	0.95	1.07	0.87	1.92	2.2	1.58	1.42	1.73
Diluted EPS, GAAP	-0.82	2.82	0.69	0.42	0.39	0.57	0.69	0.92	1.05	0.86	1.91	2.19	1.58	1.42	1.72
Diluted EPS from Cont Ops	-0.82	2.82	0.69	0.42	0.39	0.57	0.69	0.92	1.05	0.86	1.91	2.19	1.58	1.42	1.72
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	0.2	0.28	0.34	0.44	0.48	0.48	0.48
Cash Flow per Share	- -	-1.65	-0.4	2.51	0.59	0.83	-0.16	2.03	1.21	-0.32	-1.88	5.53	4.48	2.11	1.76
Free Cash Flow per Basic Share	- -	-2.07	-0.73	2.25	0.47	0.81	-0.2	1.95	1.1	-0.36	-1.95	5.44	4.34	2	1.57
Cash & Equivalents per Share	1.17	15.11	3.88	6.84	6.43	4.32	7.96	8.41	9.1	13.23	17.61	19.22	19.09	21.71	11.27
Book Value per Share	7.82	11.8	4.32	5.29	5.73	6.32	6.95	8.2	8.98	9.57	10.94	11.62	12.87	13.87	15.35
Tangible Book Value per Share	7.71	11.8	4.32	5.29	5.73	6.32	6.95	8.2	8.98	9.57	10.94	11.62	12.87	13.87	15.35