Golden State Bancorp Financial Ratios — GSBX Stock

Profitability (USD)

	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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 (%)	- -	-6.39	3.49	4.82	5.32	-1.84	10.32	16.63	13.01	12.12	12.21
Return on Assets (%)	- -	-1.64	0.65	0.93	0.6	-0.15	0.74	1.31	1.11	1.04	1.04
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	3.49	4.82	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-965.74	-35.52	14.71	20.79	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-998.85	-44.44	14.71	20.79	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	56.33	29	-19.59	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	-44.39	14.71	20.79	15.59	-6.32	28.64	43.13	39.96	34.45	37.58
Profit Margin (%)	-1,000.99	-44.46	14.68	16.04	10.9	-4.92	20.05	30.48	28.21	27.14	26.43
Net Income to Common Margin (%)	-1,000.99	-44.46	14.68	16.04	10.9	-4.92	20.05	30.48	28.21	27.14	26.43
Effective Tax Rate (%)	- -	- -	0.19	22.88	30.09	- -	29.99	29.33	29.4	21.22	29.66
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-6.39	3.49	4.82	5.32	-1.84	10.32	16.63	13.01	12.12	12.21

Credit (USD)

Credit Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	23	37	41	28	45	48	60
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	23	37	41	28	45	48	60
Total Debt/EBITDA	-2.28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	2.5	7.51	-22.16	-12.74	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	-2.2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	2.42	6	-22.16	-12.74	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	61.49	15.95	20.18	18.59	8.91	7.05	7.21	8.4	8.59	8.53	8.54
Long-Term Debt/Equity (%)	- -	- -	- -	- -	74.86	118.14	108.31	51.73	71.93	67.59	73.25
Long-Term Debt/Capital (%)	- -	- -	- -	- -	42.81	54.16	51.99	34.09	41.84	40.33	42.28
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	6.67	8.32	7.81	4.35	6.18	5.76	6.25
Total Debt/Equity (%)	2.52	- -	- -	- -	74.86	118.14	108.31	51.73	71.93	67.59	73.25
Total Debt/Capital (%)	2.45	- -	- -	- -	42.81	54.16	51.99	34.09	41.84	40.33	42.28
Total Debt/Total Assets (%)	1.55	- -	- -	- -	6.67	8.32	7.81	4.35	6.18	5.76	6.25
Net Debt to Equity	-2.76	-39.33	-57.95	-77.29	-130.15	-341.98	-275.77	-139.67	-226.99	-165.12	-151.79
Net Debt/Capital (%)	-2.84	-64.84	-137.83	-340.34	-291.13	276.14	408.78	-1,158.54	412.24	-6,660.63	-707.37
EBITDA	- -	-1	1	1	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	-1	1	1	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	-1	1	1	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	61.49	15.95	20.18	18.59	8.91	7.05	7.21	8.4	8.59	8.53	8.54
Long-Term Debt/Equity (%)	- -	- -	- -	- -	74.86	118.14	108.31	51.73	71.93	67.59	73.25
Long-Term Debt/Capital (%)	- -	- -	- -	- -	42.81	54.16	51.99	34.09	41.84	40.33	42.28
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	6.67	8.32	7.81	4.35	6.18	5.76	6.25
Total Debt/Equity (%)	2.52	- -	- -	- -	74.86	118.14	108.31	51.73	71.93	67.59	73.25
Total Debt/Capital (%)	2.45	- -	- -	- -	42.81	54.16	51.99	34.09	41.84	40.33	42.28
Total Debt/Total Assets (%)	1.55	- -	- -	- -	6.67	8.32	7.81	4.35	6.18	5.76	6.25
CFO/Total Liabilities	-2.75	-0.68	- -	- -	1.14	0.19	1.37	1.87	1.33	1.24	1.36
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	-0.06	-0.04	0.05	0.1	-0.01	-0.01	0.06	0.08	0.1	0.12	0.13

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	5.04	8.63	15.24	51.48	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	72.38	42.28	23.95	7.09	- -	- -	- -	- -	- -	- -
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

	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	35	37	55	77	88
- Cash & Cash Equivalents	1	4	12	17	41	106	105	76	142	118	124
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	23	37	41	28	45	48	60
Enterprise Value	- -	-4	-12	-17	-17	-69	-29	-10	-42	7	24
Total Capital	11	10	20	21	55	67	79	83	108	120	141
Total Debt/Capital (%)	2.45	- -	- -	- -	42.81	54.16	51.99	34.09	41.84	40.33	42.28
Total Debt / EV	-0.91	- -	- -	- -	-1.35	-0.53	-1.43	-2.7	-1.07	6.86	2.51
EV/Sales	- -	- -	- -	- -	0.68	- -	- -	- -	- -	0.23	0.67
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	2.39	- -	- -	- -	- -	0.74	2
EV/Free Cash Flow to Firm	- -	- -	- -	- -	2.39	- -	- -	- -	- -	0.74	2
Diluted Market Cap	- -	- -	- -	- -	28	25	34	44	55	76	88
Diluted Enterprise Value	- -	-4	-12	-17	11	-44	-30	-4	-42	6	24
EV per Share	- -	- -	- -	- -	5.01	- -	- -	- -	- -	2.54	8.52
TTM Sales	- -	1	4	6	13	12	18	25	27	30	35
TTM EBITDA	- -	-1	1	1	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	-1	1	1	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	4	1	7	11	9	9	12
TTM Free Cash Flow to Firm	- -	- -	- -	- -	4	1	7	11	9	9	12

Multiples (USD)

Valuation Multiples API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	- -	- -	- -	- -	7.66	32.08	5.02	4	6.24	7.96	7.42
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	-4	-12	-17	-17	-69	-29	-10	-42	7	24
Low Price	- -	- -	- -	- -	14.8	12	13.6	16.25	17.5	20.6	24
EV/Sales	- -	- -	- -	- -	0.68	- -	- -	- -	- -	0.23	0.67
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	18.58	- -	8.93	5.59	7.23	9.17	9.33
Price/Earnings Average	- -	- -	- -	- -	20.77	-44.61	8.63	5.4	6.65	8.09	8.14
Price/Earnings High	- -	- -	- -	- -	22.79	-51.16	10.08	5.75	7.23	9.27	9.48
Price/Earnings Low	- -	- -	- -	- -	18.33	-38.37	7.14	5.05	5.94	6.82	7.13
Price/Book Value	- -	- -	- -	- -	- -	- -	0.92	0.69	0.88	1.07	1.08
Price/Book Value Average	- -	- -	- -	- -	- -	- -	0.89	0.66	0.81	0.95	0.94
Price/Book Value High	- -	- -	- -	- -	- -	- -	1.04	0.71	0.88	1.08	1.09
Price/Book Value Low	- -	- -	- -	- -	- -	- -	0.73	0.62	0.72	0.8	0.82
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	0.92	0.69	0.88	1.07	1.08
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	0.89	0.66	0.81	0.95	0.94
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	1.04	0.71	0.88	1.08	1.09
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	0.73	0.62	0.72	0.8	0.82
Price/Sales	- -	- -	- -	- -	2.02	2.16	1.79	1.7	2.04	2.49	2.47
Price/Sales Average	- -	- -	- -	- -	2.26	2.19	1.73	1.65	1.88	2.2	2.15
Price/Sales High	- -	- -	- -	- -	2.48	2.52	2.02	1.75	2.04	2.52	2.5
Price/Sales Low	- -	- -	- -	- -	2	1.89	1.43	1.54	1.68	1.85	1.89
Price/Cash Flow	- -	- -	- -	- -	7.15	32.08	4.73	3.87	6.24	7.85	7.33
Price/Cash Flow Average	- -	- -	- -	- -	7.99	32.59	4.57	3.74	5.74	6.92	6.4
Price/Cash Flow High	- -	- -	- -	- -	8.77	37.38	5.34	3.98	6.24	7.93	7.44
Price/Cash Flow Low	- -	- -	- -	- -	7.05	28.04	3.78	3.5	5.13	5.83	5.6
Price/Free Cash Flow Average	- -	- -	- -	- -	8.56	32.59	4.86	3.87	5.74	7.03	6.48
Price/Free Cash Flow High	- -	- -	- -	- -	9.39	37.38	5.67	4.12	6.24	8.05	7.54
Price/Free Cash Flow Low	- -	- -	- -	- -	7.56	28.04	4.02	3.62	5.13	5.92	5.67
EV/Sales Average	- -	- -	- -	- -	0.92	- -	- -	- -	- -	- -	0.36
EV/Sales High	- -	- -	- -	- -	1.14	- -	- -	- -	- -	0.26	0.71
EV/Sales Low	- -	- -	- -	- -	0.65	- -	- -	- -	- -	- -	0.09
EV/EBITDA Average	2.5	7.51	-22.16	-12.74	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	2.5	7.51	-22.16	-12.74	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	2.5	7.51	-22.16	-12.74	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	2.42	6	-22.16	-12.74	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	2.42	6	-22.16	-12.74	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	2.42	6	-22.16	-12.74	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	15	13.73	17	18	21.3	27.71	31.4
High Price	- -	- -	- -	- -	18.4	16	19.2	18.5	21.3	28	31.89
Enterprise Value Average	- -	-4	-12	-17	-17	-69	-30	-12	-46	-2	13
Enterprise Value High	- -	-4	-12	-17	-17	-69	-24	-9	-42	8	25
Enterprise Value Low	- -	-4	-12	-17	-17	-69	-36	-14	-52	-13	3

Shares Outstanding	- -	- -	- -	- -	- -	- -	2	2	3	3	3
Diluted Weighted Avg Shares	- -	- -	- -	- -	2	2	2	2	3	3	3
Basic Weighted Avg Shares	- -	- -	- -	- -	2	2	2	2	3	3	3
Revenue per Share	0.22	26.99	64.44	112.27	7.41	6.36	9.5	10.56	10.44	11.13	12.73
EBITDA per Share	-2.12	-9.59	9.48	23.35	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-2.19	-11.99	9.48	23.35	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-2.2	-12	9.46	18	0.81	-0.31	1.9	3.22	2.95	3.02	3.37
Basic EPS from Cont Ops	-2.2	-12	9.46	18	0.81	-0.31	1.9	3.22	2.95	3.02	3.37
Diluted EPS, GAAP	-2.2	-12	9.46	18	0.75	-0.31	1.79	3.11	2.95	2.98	3.32
Diluted EPS from Cont Ops	-2.2	-12	9.46	18	0.75	-0.31	1.79	3.11	2.95	2.98	3.32
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-3.31	-6.55	- -	- -	2.1	0.43	3.6	4.65	3.41	3.53	4.28
Free Cash Flow per Basic Share	-3.31	-6.55	- -	- -	2.1	0.43	3.6	4.65	3.41	3.53	4.28
Cash & Equivalents per Share	10.15	70.97	210	297.43	- -	- -	51.1	36.56	54.97	42.61	44.22
Book Value per Share	192.18	180.43	362.36	384.82	- -	- -	18.53	26.17	24.22	25.81	29.14
Tangible Book Value per Share	192.18	180.43	362.36	384.82	- -	- -	18.53	26.17	24.22	25.81	29.14

Golden State Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)