First State Financial Corp. Financial Ratios — FSTF Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	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 (%)	18.18	15.34	25.9	32.63	35.8	14.01	-146.56	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	0.29	0.43	0.85	1.19	1.29	0.51	-3.01	- -	- -	- -	- -	-40	-320.57	- -	- -
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	- -	- -	- -	- -	100	100	- -	- -
EBITDA Margin (%)	7.64	7.42	-2.26	2.95	2.22	1.67	3.82	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	12.07	16.44	31.36	38.89	41.08	19.07	-161.82	- -	- -	- -	- -	-20	-356.19	- -	- -
Profit Margin (%)	7.79	10.04	19.62	24.36	25.79	12.26	-100.26	- -	- -	- -	- -	-20	-356.19	- -	- -
Net Income to Common Margin (%)	7.79	10.04	19.62	24.36	25.79	12.26	-100.26	- -	- -	- -	- -	-20	-356.19	- -	- -
Effective Tax Rate (%)	35.46	38.94	37.44	37.37	37.22	35.74	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	30.54	31.87	79.15	-6.66	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	18.18	15.34	25.9	22.67	24.39	2.92	-156.32	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	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	4	15	18	14	3	3	41	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	1	12	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	3	3	18	14	3	3	41	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	9.84	26.29	-75.32	30.17	6.54	9.26	75.65	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-4.19	18.63	-54.18	17.17	-8.12	-8.73	65.65	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.12	2.63	3.8	3.51	3.69	3.64	0.45	- -	- -	- -	- -	-272,211.67	- -	- -	- -
Long-Term Debt/Equity (%)	28.45	27	42.7	31.47	6.18	5.99	117.43	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	33.39	14.26	63.33	51.67	15.2	14.79	95.09	- -	- -	- -	- -	-0.04	-0.25	-0.3	-0.3
Long-Term Debt/Total Assets (%)	1.95	1.41	6.57	3.76	0.66	0.63	8.73	- -	- -	- -	- -	120	- -	- -	- -
Total Debt/Equity (%)	39.83	139.12	42.7	31.47	6.18	5.99	117.43	- -	- -	- -	- -	-600	-95.84	-95.65	-95.65
Total Debt/Capital (%)	46.74	73.47	63.33	51.67	15.2	14.79	95.09	- -	- -	- -	- -	-0.04	-0.25	-0.3	-0.3
Total Debt/Total Assets (%)	2.74	7.28	6.57	3.76	0.66	0.63	8.73	- -	- -	- -	- -	120	- -	- -	- -
Net Debt to Equity	-16.95	98.6	30.72	17.91	-7.68	-5.64	101.91	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/Capital (%)	-59.61	66.25	55.41	37.83	-28.61	-19.58	94.38	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	1	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	1	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	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	3.12	2.63	3.8	3.51	3.69	3.64	0.45	- -	- -	- -	- -	-272,211.67	- -	- -	- -
Long-Term Debt/Equity (%)	28.45	27	42.7	31.47	6.18	5.99	117.43	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	33.39	14.26	63.33	51.67	15.2	14.79	95.09	- -	- -	- -	- -	-0.04	-0.25	-0.3	-0.3
Long-Term Debt/Total Assets (%)	1.95	1.41	6.57	3.76	0.66	0.63	8.73	- -	- -	- -	- -	120	- -	- -	- -
Total Debt/Equity (%)	39.83	139.12	42.7	31.47	6.18	5.99	117.43	- -	- -	- -	- -	-600	-95.84	-95.65	-95.65
Total Debt/Capital (%)	46.74	73.47	63.33	51.67	15.2	14.79	95.09	- -	- -	- -	- -	-0.04	-0.25	-0.3	-0.3
Total Debt/Total Assets (%)	2.74	7.28	6.57	3.76	0.66	0.63	8.73	- -	- -	- -	- -	120	- -	- -	- -
CFO/Total Liabilities	0.96	1.23	1.18	0.68	1.68	1.41	0.68	- -	- -	- -	- -	-100	-4.41	-16.86	- -
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.05	0.05	0.17	0.23	0.23	0.16	0.03	- -	- -	- -	- -	-4,500.66	- -	- -	- -

Working Capital (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	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	5.54	3.79	4.51	3.9	7.44	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	65.86	96.39	80.87	93.59	49.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	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	- -	- -	43	89	99	58	6	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	6	5	5	6	7	6	5	- -	- -	- -	- -	- -	- -	- -	- -
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	4	15	18	14	3	3	41	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-2	11	56	97	95	55	42	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	9	21	28	27	20	20	43	-33	-33	-33	-33	-33	-33	-33	-33
Total Debt/Capital (%)	46.74	73.47	63.33	51.67	15.2	14.79	95.09	- -	- -	- -	- -	-0.04	-0.25	-0.3	-0.3
Total Debt / EV	-2.35	1.41	0.32	0.14	0.03	0.05	0.99	- -	- -	- -	- -	1	0.34	0.54	0.48
EV/Sales	- -	1.38	5.32	6.19	4.61	2.85	2.93	- -	- -	- -	- -	1.2	43.48	- -	- -
EV/EBITDA	- -	18.63	- -	210.04	207.96	170.9	76.57	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	4.42	20.61	43.63	14.05	9.25	14.03	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	4.42	20.61	43.63	14.05	9.25	14.03	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	43	90	100	58	6	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	-2	11	56	98	96	56	42	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	3.58	16.92	16.63	16.27	9.39	7.01	- -	- -	- -	- -	- -	0.04	0.03	0.03
TTM Sales	6	8	11	16	21	19	14	- -	- -	- -	- -	- -	- -	- -	- -
TTM EBITDA	- -	1	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	2	3	2	7	6	3	- -	- -	- -	- -	- -	- -	- -	- -
TTM Free Cash Flow to Firm	1	2	3	2	7	6	3	- -	- -	- -	- -	- -	- -	- -	- -

Multiples (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	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	- -	- -	15.94	40.26	14.7	9.76	2	- -	- -	- -	- -	- -	-41.37	-4.79	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-2	11	56	97	95	55	42	- -	- -	- -	- -	- -	- -	- -	- -
Low Price	- -	- -	12.4	10.81	14.95	7.73	0.63	- -	- -	- -	0.02	0.01	0.02	0.01	0.01
EV/Sales	- -	1.38	5.32	6.19	4.61	2.85	2.93	- -	- -	- -	- -	1.2	43.48	- -	- -
EV/EBITDA	- -	18.63	- -	210.04	207.96	170.9	76.57	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	20.89	23.32	18.57	24.41	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	20.61	20.23	18.68	38.03	-2.3	- -	- -	- -	- -	- -	-9.39	-8.53	- -
Price/Earnings High	- -	- -	21.54	24.06	21.15	46.97	-4.11	- -	- -	- -	- -	- -	-28.93	-29.2	- -
Price/Earnings Low	- -	- -	19.89	16.51	16.43	19.12	-0.26	- -	- -	- -	- -	- -	-4.62	-4.54	- -
Price/Book Value	- -	- -	4.15	6.83	5.92	3.37	2.79	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	4.1	5.93	5.96	5.24	15.4	- -	- -	- -	- -	- -	-0.01	- -	-0.01
Price/Book Value High	- -	- -	4.28	7.05	6.75	6.48	27.58	- -	- -	- -	- -	- -	-0.02	-0.02	-0.01
Price/Book Value Low	- -	- -	3.95	4.84	5.24	2.64	1.76	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	1.03	2.01	2.04	1.16	0.17	- -	- -	- -	- -	- -	-1.82	-0.81	-1.05
Price/Tangible Book Value Average	- -	- -	1.01	1.74	2.06	1.81	0.93	- -	- -	- -	- -	- -	-2.14	-1.52	-1.64
Price/Tangible Book Value High	- -	- -	1.06	2.08	2.33	2.23	1.67	- -	- -	- -	- -	- -	-6.6	-5.19	-2.88
Price/Tangible Book Value Low	- -	- -	0.98	1.42	1.81	0.91	0.11	- -	- -	- -	- -	- -	-1.05	-0.81	-0.69
Price/Sales	- -	- -	4.1	5.68	4.79	2.99	0.42	- -	- -	- -	- -	- -	28.51	- -	- -
Price/Sales Average	- -	- -	4.04	4.93	4.82	4.66	2.3	- -	- -	- -	- -	- -	33.44	- -	- -
Price/Sales High	- -	- -	4.23	5.86	5.46	5.76	4.12	- -	- -	- -	- -	- -	103.06	- -	- -
Price/Sales Low	- -	- -	3.9	4.02	4.24	2.34	0.26	- -	- -	- -	- -	- -	16.45	- -	- -
Price/Cash Flow	- -	- -	15.86	40.06	14.6	9.73	2	- -	- -	- -	- -	- -	-41.37	-4.79	- -
Price/Cash Flow Average	- -	- -	15.65	34.74	14.68	15.15	11.03	- -	- -	- -	- -	- -	-48.54	-9	- -
Price/Cash Flow High	- -	- -	16.36	41.32	16.63	18.71	19.75	- -	- -	- -	- -	- -	-149.56	-30.8	- -
Price/Cash Flow Low	- -	- -	15.11	28.36	12.91	7.62	1.26	- -	- -	- -	- -	- -	-23.87	-4.79	- -
Price/Free Cash Flow Average	- -	- -	15.73	34.92	14.79	15.2	11.03	- -	- -	- -	- -	- -	-48.54	-9	- -
Price/Free Cash Flow High	- -	- -	16.44	41.53	16.75	18.78	19.75	- -	- -	- -	- -	- -	-149.56	-30.8	- -
Price/Free Cash Flow Low	- -	- -	15.18	28.5	13.01	7.64	1.26	- -	- -	- -	- -	- -	-23.87	-4.79	- -
EV/Sales Average	- -	1.38	5.27	5.43	4.64	4.52	4.81	- -	- -	- -	- -	1.2	48.42	- -	- -
EV/Sales High	- -	1.38	5.45	6.37	5.28	5.61	6.63	- -	- -	- -	- -	1.2	118.03	- -	- -
EV/Sales Low	- -	1.38	5.13	4.53	4.06	2.2	2.77	- -	- -	- -	- -	1.2	31.42	- -	- -
EV/EBITDA Average	-4.19	18.63	-232.87	184.42	209.23	271.06	125.86	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-4.19	18.63	-240.97	216.1	238	336.88	173.46	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-4.19	18.63	-226.64	153.71	183.03	131.95	72.53	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	13.02	15.27	16.9	9.87	1	- -	- -	0.02	0.13	0.02	0.03	0.01	0.02
High Price	- -	- -	13.43	15.75	19.25	18.99	9.87	- -	- -	1	0.48	0.15	0.09	0.09	0.05
Enterprise Value Average	-2	11	56	86	96	88	68	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value High	-2	11	58	100	109	109	94	- -	- -	- -	- -	- -	1	1	- -
Enterprise Value Low	-2	11	54	71	84	43	39	- -	- -	- -	- -	- -	- -	- -	- -

Shares Outstanding	3	3	6	6	6	6	6	- -	- -	- -	- -	6	6	6	6
Diluted Weighted Avg Shares	3	3	3	6	6	6	6	- -	- -	- -	- -	- -	6	6	6
Basic Weighted Avg Shares	3	3	3	6	6	6	6	- -	- -	- -	- -	- -	6	6	6
Revenue per Share	1.84	2.59	3.18	2.69	3.53	3.3	2.4	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	0.14	0.19	-0.07	0.08	0.08	0.05	0.09	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.14	0.26	0.62	0.65	0.91	0.4	-2.4	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	0.14	0.26	0.62	0.65	0.91	0.4	-2.4	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	0.14	0.26	0.62	0.65	0.9	0.4	-2.4	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	0.14	0.26	0.62	0.65	0.9	0.4	-2.4	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	0.2	0.29	0.32	0.16	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.45	0.81	0.82	0.38	1.16	1.01	0.5	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	0.45	0.81	0.82	0.38	1.16	1.01	0.5	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	1.97	1.47	1.52	1.03	1.15	0.99	0.92	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	1.58	1.82	3.14	2.23	2.85	2.93	0.36	- -	- -	- -	- -	- -	-5.52	-5.52	-5.52
Tangible Book Value per Share	3.48	3.63	12.68	7.59	8.27	8.5	5.9	- -	- -	- -	- -	- -	-0.01	-0.02	-0.02

First State Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)