First Berlin Bancorp, Inc.

FTFI

FTFIFirst Berlin Bancorp, Inc. US flag

Other OTC

38.00

USD

-0.25

- -

99.45MMarket Cap

Profitability (USD)

API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	13.67	11.48	14.16	14.47
Return on Assets (%)	- -	1.21	1.11	1.45	1.56
Return on Capital (%)	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100
EBITDA Margin (%)	2.09	2.05	1.82	1.7	1.7
Operating Margin (%)	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	43.84	39.36	37.66	41.53	43.38
Profit Margin (%)	31.81	28.68	25.96	33.02	34.6
Net Income to Common Margin (%)	31.81	28.68	25.96	33.02	34.6
Effective Tax Rate (%)	27.43	27.14	31.05	20.47	20.24
Dvd Payout Ratio (%)	6.71	7.67	8.13	7.3	8.77
Sustainable Growth Rate (%)	- -	12.62	10.55	13.13	13.2

Credit (USD)

API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	22	9	31	55	52
ST Debt	- -	- -	- -	- -	- -
LT Debt	22	9	31	55	52
Total Debt/EBITDA	41.33	17.69	64.44	113.17	95.64
Net Debt/EBITDA	-184.13	-55.59	-75.12	11.65	-56.64
Total Debt/EBIT	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.26	9.48	9.79	10.66	10.93
Long-Term Debt/Equity (%)	38.82	16.6	48.78	75.75	61.85
Long-Term Debt/Capital (%)	31.17	13.98	33.03	43.57	38.87
Long-Term Debt/Total Assets (%)	3.74	1.54	4.83	8.23	6.95
Total Debt/Equity (%)	38.82	16.6	48.78	75.75	61.85
Total Debt/Capital (%)	31.17	13.98	33.03	43.57	38.87
Total Debt/Total Assets (%)	3.74	1.54	4.83	8.23	6.95
Net Debt to Equity	-172.96	-52.16	-56.87	7.8	-36.63
Net Debt/Capital (%)	198.82	-104.1	-135.15	7.36	-60.4
EBITDA	1	1	- -	- -	1
EBITDA-CapEx	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	8.26	9.48	9.79	10.66	10.93
Long-Term Debt/Equity (%)	38.82	16.6	48.78	75.75	61.85
Long-Term Debt/Capital (%)	31.17	13.98	33.03	43.57	38.87
Long-Term Debt/Total Assets (%)	3.74	1.54	4.83	8.23	6.95
Total Debt/Equity (%)	38.82	16.6	48.78	75.75	61.85
Total Debt/Capital (%)	31.17	13.98	33.03	43.57	38.87
Total Debt/Total Assets (%)	3.74	1.54	4.83	8.23	6.95
CFO/Total Liabilities	1.59	1.83	1.52	1.69	1.99
CFO/CapEx	33.59	45.62	20.86	33.25	21.44
Altman's Z-Score	0.16	0.23	0.23	0.26	0.28

Working Capital (USD)

API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -
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

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	50	45	65	92
- Cash & Cash Equivalents	122	38	67	49	82
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	22	9	31	55	52
Enterprise Value	-207	-86	-84	-9	13
Total Capital	72	65	93	126	133
Total Debt/Capital (%)	31.17	13.98	33.03	43.57	38.87
Total Debt / EV	-0.11	-0.11	-0.37	-5.83	4.11
EV/Sales	- -	- -	- -	2.27	0.39
EV/EBITDA	- -	- -	- -	- -	23.28
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	0.96
EV/Free Cash Flow to Firm	- -	- -	- -	- -	0.91
Diluted Market Cap	- -	50	45	65	92
Diluted Enterprise Value	-100	21	9	71	61
EV per Share	- -	- -	- -	23.5	4.68
TTM Sales	26	25	26	29	32
TTM EBITDA	1	1	- -	- -	1
TTM Operating Income	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	9	10	9	10	13
TTM Free Cash Flow to Firm	9	10	9	10	14

Multiples (USD)

API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	4.92	4.94	6.26	6.63
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	-207	-86	-84	-9	13
Low Price	- -	17.75	16.25	16.3	23.49
EV/Sales	- -	- -	- -	2.27	0.39
EV/EBITDA	- -	- -	- -	- -	23.28
Price/Earnings	- -	6.86	6.63	6.86	8.28
Price/Earnings Average	- -	6.95	7.2	5.37	7.04
Price/Earnings High	- -	7.19	7.62	7.26	8.53
Price/Earnings Low	- -	6.8	6.6	4.76	5.72
Price/Book Value	- -	0.88	0.72	0.91	1.12
Price/Book Value Average	- -	0.89	0.79	0.71	0.96
Price/Book Value High	- -	0.92	0.83	0.96	1.16
Price/Book Value Low	- -	0.87	0.72	0.63	0.78
Price/Tangible Book Value	- -	0.94	0.74	0.91	1.11
Price/Tangible Book Value Average	- -	0.95	0.8	0.72	0.95
Price/Tangible Book Value High	- -	0.98	0.85	0.97	1.14
Price/Tangible Book Value Low	- -	0.93	0.73	0.63	0.77
Price/Sales	- -	1.97	1.72	2.27	2.87
Price/Sales Average	- -	1.99	1.87	1.77	2.44
Price/Sales High	- -	2.06	1.98	2.4	2.95
Price/Sales Low	- -	1.95	1.71	1.57	1.98
Price/Cash Flow	- -	5.03	5.18	6.44	6.94
Price/Cash Flow Average	- -	5.1	5.62	5.04	5.9
Price/Cash Flow High	- -	5.27	5.95	6.82	7.15
Price/Cash Flow Low	- -	4.99	5.16	4.47	4.8
Price/Free Cash Flow Average	- -	4.99	5.37	4.89	5.64
Price/Free Cash Flow High	- -	5.15	5.68	6.62	6.83
Price/Free Cash Flow Low	- -	4.88	4.92	4.34	4.58
EV/Sales Average	- -	0.86	0.5	1.97	1.48
EV/Sales High	- -	0.92	0.61	2.59	1.99
EV/Sales Low	- -	0.81	0.35	1.77	1.02
EV/EBITDA Average	-183.88	41.83	27.51	116.18	87.16
EV/EBITDA High	-183.88	45.11	33.54	153.03	117.46
EV/EBITDA Low	-183.88	39.74	19.06	104.35	60.2
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	- -	17.9	16.3	23.5	34
High Price	- -	18.75	18.75	24.86	35
Enterprise Value Average	-100	22	13	57	47
Enterprise Value High	-100	23	16	74	64
Enterprise Value Low	-100	21	9	51	33

Profitability (USD)

API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	13.67	11.48	14.16	14.47
Return on Assets (%)	- -	1.21	1.11	1.45	1.56
Return on Capital (%)	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100
EBITDA Margin (%)	2.09	2.05	1.82	1.7	1.7
Operating Margin (%)	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	43.84	39.36	37.66	41.53	43.38
Profit Margin (%)	31.81	28.68	25.96	33.02	34.6
Net Income to Common Margin (%)	31.81	28.68	25.96	33.02	34.6
Effective Tax Rate (%)	27.43	27.14	31.05	20.47	20.24
Dvd Payout Ratio (%)	6.71	7.67	8.13	7.3	8.77
Sustainable Growth Rate (%)	- -	12.62	10.55	13.13	13.2

Credit (USD)

API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	22	9	31	55	52
ST Debt	- -	- -	- -	- -	- -
LT Debt	22	9	31	55	52
Total Debt/EBITDA	41.33	17.69	64.44	113.17	95.64
Net Debt/EBITDA	-184.13	-55.59	-75.12	11.65	-56.64
Total Debt/EBIT	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.26	9.48	9.79	10.66	10.93
Long-Term Debt/Equity (%)	38.82	16.6	48.78	75.75	61.85
Long-Term Debt/Capital (%)	31.17	13.98	33.03	43.57	38.87
Long-Term Debt/Total Assets (%)	3.74	1.54	4.83	8.23	6.95
Total Debt/Equity (%)	38.82	16.6	48.78	75.75	61.85
Total Debt/Capital (%)	31.17	13.98	33.03	43.57	38.87
Total Debt/Total Assets (%)	3.74	1.54	4.83	8.23	6.95
Net Debt to Equity	-172.96	-52.16	-56.87	7.8	-36.63
Net Debt/Capital (%)	198.82	-104.1	-135.15	7.36	-60.4
EBITDA	1	1	- -	- -	1
EBITDA-CapEx	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	8.26	9.48	9.79	10.66	10.93
Long-Term Debt/Equity (%)	38.82	16.6	48.78	75.75	61.85
Long-Term Debt/Capital (%)	31.17	13.98	33.03	43.57	38.87
Long-Term Debt/Total Assets (%)	3.74	1.54	4.83	8.23	6.95
Total Debt/Equity (%)	38.82	16.6	48.78	75.75	61.85
Total Debt/Capital (%)	31.17	13.98	33.03	43.57	38.87
Total Debt/Total Assets (%)	3.74	1.54	4.83	8.23	6.95
CFO/Total Liabilities	1.59	1.83	1.52	1.69	1.99
CFO/CapEx	33.59	45.62	20.86	33.25	21.44
Altman's Z-Score	0.16	0.23	0.23	0.26	0.28

Working Capital (USD)

API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -
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

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	50	45	65	92
- Cash & Cash Equivalents	122	38	67	49	82
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	22	9	31	55	52
Enterprise Value	-207	-86	-84	-9	13
Total Capital	72	65	93	126	133
Total Debt/Capital (%)	31.17	13.98	33.03	43.57	38.87
Total Debt / EV	-0.11	-0.11	-0.37	-5.83	4.11
EV/Sales	- -	- -	- -	2.27	0.39
EV/EBITDA	- -	- -	- -	- -	23.28
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	0.96
EV/Free Cash Flow to Firm	- -	- -	- -	- -	0.91
Diluted Market Cap	- -	50	45	65	92
Diluted Enterprise Value	-100	21	9	71	61
EV per Share	- -	- -	- -	23.5	4.68
TTM Sales	26	25	26	29	32
TTM EBITDA	1	1	- -	- -	1
TTM Operating Income	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	9	10	9	10	13
TTM Free Cash Flow to Firm	9	10	9	10	14

Multiples (USD)

API ChatGPT

	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	4.92	4.94	6.26	6.63
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	-207	-86	-84	-9	13
Low Price	- -	17.75	16.25	16.3	23.49
EV/Sales	- -	- -	- -	2.27	0.39
EV/EBITDA	- -	- -	- -	- -	23.28
Price/Earnings	- -	6.86	6.63	6.86	8.28
Price/Earnings Average	- -	6.95	7.2	5.37	7.04
Price/Earnings High	- -	7.19	7.62	7.26	8.53
Price/Earnings Low	- -	6.8	6.6	4.76	5.72
Price/Book Value	- -	0.88	0.72	0.91	1.12
Price/Book Value Average	- -	0.89	0.79	0.71	0.96
Price/Book Value High	- -	0.92	0.83	0.96	1.16
Price/Book Value Low	- -	0.87	0.72	0.63	0.78
Price/Tangible Book Value	- -	0.94	0.74	0.91	1.11
Price/Tangible Book Value Average	- -	0.95	0.8	0.72	0.95
Price/Tangible Book Value High	- -	0.98	0.85	0.97	1.14
Price/Tangible Book Value Low	- -	0.93	0.73	0.63	0.77
Price/Sales	- -	1.97	1.72	2.27	2.87
Price/Sales Average	- -	1.99	1.87	1.77	2.44
Price/Sales High	- -	2.06	1.98	2.4	2.95
Price/Sales Low	- -	1.95	1.71	1.57	1.98
Price/Cash Flow	- -	5.03	5.18	6.44	6.94
Price/Cash Flow Average	- -	5.1	5.62	5.04	5.9
Price/Cash Flow High	- -	5.27	5.95	6.82	7.15
Price/Cash Flow Low	- -	4.99	5.16	4.47	4.8
Price/Free Cash Flow Average	- -	4.99	5.37	4.89	5.64
Price/Free Cash Flow High	- -	5.15	5.68	6.62	6.83
Price/Free Cash Flow Low	- -	4.88	4.92	4.34	4.58
EV/Sales Average	- -	0.86	0.5	1.97	1.48
EV/Sales High	- -	0.92	0.61	2.59	1.99
EV/Sales Low	- -	0.81	0.35	1.77	1.02
EV/EBITDA Average	-183.88	41.83	27.51	116.18	87.16
EV/EBITDA High	-183.88	45.11	33.54	153.03	117.46
EV/EBITDA Low	-183.88	39.74	19.06	104.35	60.2
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	- -	17.9	16.3	23.5	34
High Price	- -	18.75	18.75	24.86	35
Enterprise Value Average	-100	22	13	57	47
Enterprise Value High	-100	23	16	74	64
Enterprise Value Low	-100	21	9	51	33

Shares Outstanding	3	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	3
Basic Weighted Avg Shares	3	3	3	3	3
Revenue per Share	9.37	9.1	9.48	10.37	11.86
EBITDA per Share	0.2	0.19	0.17	0.18	0.2
Operating Income per Share	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.98	2.61	2.46	3.43	4.1
Basic EPS from Cont Ops	2.98	2.61	2.46	3.43	4.1
Diluted EPS, GAAP	2.98	2.61	2.46	3.43	4.1
Diluted EPS from Cont Ops	2.98	2.61	2.46	3.43	4.1
Dividend per Share	0.2	0.2	0.2	0.25	0.36
Cash Flow per Share	3.12	3.56	3.15	3.65	4.9
Free Cash Flow per Basic Share	3.03	3.48	3	3.54	4.67
Cash & Equivalents per Share	82.77	52.37	57.79	46.81	48.55
Book Value per Share	17.89	20.3	22.56	25.78	30.24
Tangible Book Value per Share	20.08	19.11	22.15	25.7	30.57

First Berlin Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)