Habersham Bancorp Financial Ratios — HABC Stock

Profitability (USD)

	1995 Y	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1995	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Return on Common Equity (%)	13.57	10.16	11.43	10.27	7.74	12.02	18.61	17.16	6.45	6.85	10.89	13.71	7.2	-44.8	- -
Return on Assets (%)	1.02	0.7	0.69	0.59	0.43	0.6	0.98	1.19	0.57	0.62	0.88	1.02	0.55	-2.94	-5.5
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	8.37	3.4	- -	2.86	- -	2.28	3.96	3.02	2.88	2.85	4.28	5.64	3.14	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	31.13	22.6	5.96	14.48	5.79	16.26	52.58	28.64	25.02	24.69	32.79	35.96	22.63	-135.12	-169.64
Operating Margin (%)	25.47	16.44	- -	9.43	- -	11.88	47.02	25.07	16.95	16.99	26.28	30.94	16.99	-142.48	-178.87
Incremental Operating Margin (%)	38.89	-7.5	-33.33	35.44	-200	87.23	-19.44	-228.2	330.04	18.57	97.42	54.5	235.5	- -	- -
Pretax Margin (%)	24.53	17.12	13.3	9.43	5.47	11.88	18.95	24.69	16.77	16.99	26.28	30.94	16.99	-142.48	-178.87
Profit Margin (%)	18.87	13.01	10.09	7.07	5.79	8.41	31.49	31.37	12.78	12.75	18.35	21.26	12.62	-93.26	-209.13
Net Income to Common Margin (%)	17.92	10.96	9.17	7.07	5.79	8.41	31.49	31.37	12.78	12.75	18.35	21.26	12.62	-93.26	-210.82
Effective Tax Rate (%)	23.08	24	24.14	25	- -	29.22	25.48	24.28	23.76	24.97	30.19	31.3	25.75	- -	- -
Dvd Payout Ratio (%)	5.26	- -	5	19.05	27.78	21.4	27.03	19.19	147.16	157.98	24.38	20.03	87.79	-4.75	- -
Sustainable Growth Rate (%)	12.86	10.16	10.86	8.31	5.59	9.45	13.58	13.87	-3.04	-3.97	8.24	10.96	0.88	-46.93	- -

Credit (USD)

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	1995 Y	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1995	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Total Debt	5	48	28	57	80	111	106	31	31	37	43	39	39	39	39
ST Debt	5	- -	3	- -	1	1	- -	1	1	1	1	1	1	1	1
LT Debt	- -	48	25	56	79	110	106	30	30	36	42	38	38	38	38
Total Debt/EBITDA	1.61	14.67	21.54	13.16	44.44	18.94	11.93	5.86	6.8	8.11	6.32	4.33	7.35	-1.8	-1.82
Net Debt/EBITDA	-3.36	9.91	-1.38	9.88	36.39	16.63	10.08	3.24	4.94	6	3.89	1.41	3.9	-1.17	0.19
Total Debt/EBIT	1.96	20.17	- -	20.21	- -	25.93	13.34	6.69	10.04	11.78	7.89	5.03	9.79	-1.71	-1.72
Net Debt/EBIT	-4.11	13.62	- -	15.18	- -	22.76	11.27	3.7	7.29	8.72	4.86	1.64	5.19	-1.11	0.18
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.49	5.35	5.61	5.86	5.19	4.85	5.68	8.46	9.3	8.7	7.62	7.33	7.96	5.12	-0.22
Long-Term Debt/Equity (%)	- -	172.92	84.39	175.47	224.01	283.98	241.43	59.12	60.94	74.99	84.17	68.39	70.13	90.48	222.54
Long-Term Debt/Capital (%)	- -	73.69	54.74	71.43	76.25	80.17	77.22	44.59	45.82	51.17	53.18	47.78	47.67	56.65	91.57
Long-Term Debt/Total Assets (%)	- -	15.45	7.74	14.71	17.16	20.26	19.43	6.99	8	9.33	8.84	6.84	7.39	7.68	8.33
Total Debt/Equity (%)	20.46	174.73	93.02	175.78	225.99	286.17	242.05	60.96	62.11	76.63	85.71	69.79	71.55	92.29	225.7
Total Debt/Capital (%)	26.24	74.46	60.34	71.55	76.92	80.79	77.41	45.98	46.71	52.29	54.15	48.76	48.63	57.79	92.87
Total Debt/Total Assets (%)	2.31	15.61	8.53	14.74	17.32	20.42	19.48	7.2	8.15	9.53	9	6.98	7.54	7.83	8.45
Net Debt to Equity	-42.86	118.05	-5.98	131.99	185.03	251.16	204.42	33.7	45.09	56.72	52.79	22.78	37.97	59.81	-23.28
Net Debt/Capital (%)	-292.11	66.33	-10.84	65.38	73.18	78.69	74.32	31.99	38.88	44.79	42.11	23.7	33.44	47.01	391.44
EBITDA	3	3	1	4	2	6	9	5	4	5	7	9	5	-22	-21
EBITDA-CapEx	3	3	1	4	2	6	9	5	4	5	7	9	5	-28	-22
Operating Income (Loss)	3	2	- -	3	- -	4	8	5	3	3	5	8	4	-23	-22

Liquidity (USD)

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	1995 Y	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1995	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.49	5.35	5.61	5.86	5.19	4.85	5.68	8.46	9.3	8.7	7.62	7.33	7.96	5.12	-0.22
Long-Term Debt/Equity (%)	- -	172.92	84.39	175.47	224.01	283.98	241.43	59.12	60.94	74.99	84.17	68.39	70.13	90.48	222.54
Long-Term Debt/Capital (%)	- -	73.69	54.74	71.43	76.25	80.17	77.22	44.59	45.82	51.17	53.18	47.78	47.67	56.65	91.57
Long-Term Debt/Total Assets (%)	- -	15.45	7.74	14.71	17.16	20.26	19.43	6.99	8	9.33	8.84	6.84	7.39	7.68	8.33
Total Debt/Equity (%)	20.46	174.73	93.02	175.78	225.99	286.17	242.05	60.96	62.11	76.63	85.71	69.79	71.55	92.29	225.7
Total Debt/Capital (%)	26.24	74.46	60.34	71.55	76.92	80.79	77.41	45.98	46.71	52.29	54.15	48.76	48.63	57.79	92.87
Total Debt/Total Assets (%)	2.31	15.61	8.53	14.74	17.32	20.42	19.48	7.2	8.15	9.53	9	6.98	7.54	7.83	8.45
CFO/Total Liabilities	1.52	-5.38	-4.33	-8.21	5.84	-0.17	-6.98	-5.01	0.53	1.56	0.79	1.14	1.32	0.18	-0.59
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.13	-2.97
Altman's Z-Score	0.24	0.22	0.22	0.22	0.17	0.18	0.2	0.25	0.31	0.28	0.27	0.27	0.23	-0.05	-0.14

Working Capital (USD)

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	1995 Y	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1995	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Accounts Receivable Turnover	10.6	6.79	9.48	12.91	11.96	10.62	5.02	7.23	8.98	10.89	10.52	9.4	8.19	6.4	6.56
Days Sales Outstanding	34.43	53.75	38.51	28.27	30.51	34.36	72.77	50.5	40.63	33.53	34.71	38.83	44.55	57	55.64
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)

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	1995 Y	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1995	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Market Capitalization	21	31	36	28	27	22	37	41	61	55	62	66	45	7	2
- Cash & Cash Equivalents	16	16	30	14	14	14	17	14	8	10	17	26	18	14	43
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3	4
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	5	48	28	57	80	111	106	31	31	37	43	39	39	39	39
Enterprise Value	10	64	35	70	92	119	127	58	83	82	88	79	65	35	2
Total Capital	20	65	46	79	104	137	138	67	65	70	80	80	80	67	41
Total Debt/Capital (%)	26.24	74.46	60.34	71.55	76.92	80.79	77.41	45.98	46.71	52.29	54.15	48.76	48.63	57.79	92.87
Total Debt / EV	0.53	0.76	0.81	0.81	0.87	0.93	0.84	0.53	0.37	0.45	0.49	0.49	0.59	1.11	18.34
EV/Sales	0.94	4.36	1.59	2.36	2.97	3.3	7.48	3.14	4.64	4.46	4.25	3.17	2.8	2.19	0.17
EV/EBITDA	3.03	19.29	26.63	16.33	51.29	20.31	14.23	10.97	18.53	18.07	12.96	8.81	12.38	- -	- -
EV/EBIT	3.7	26.52	- -	25.08	- -	27.8	15.91	12.54	27.34	26.25	16.16	10.23	16.49	- -	- -
EV/Cash Flow to Firm	3.23	- -	- -	- -	3.71	- -	- -	- -	48.52	15.59	26.13	13.85	10.79	42.54	- -
EV/Free Cash Flow to Firm	3.23	- -	- -	- -	3.71	- -	- -	- -	48.52	15.59	26.13	13.85	10.79	4.91	- -
Diluted Market Cap	21	32	38	28	27	22	38	42	62	56	63	67	45	7	2
Diluted Enterprise Value	10	65	37	71	92	119	128	59	84	83	89	80	65	35	2
EV per Share	4.92	27.36	14.61	29.09	35.38	44.06	47.05	21.19	29.32	28.38	30.4	26.8	22.19	12.37	0.75
TTM Sales	11	15	22	30	31	36	17	18	18	18	21	25	23	16	12
TTM EBITDA	3	3	1	4	2	6	9	5	4	5	7	9	5	-22	-21
TTM Operating Income	3	2	- -	3	- -	4	8	5	3	3	5	8	4	-23	-22
TTM Cash Flow to Firm	3	-15	-13	-29	25	-1	-35	-19	2	5	3	6	6	1	-3
TTM Free Cash Flow to Firm	3	-15	-13	-29	25	-1	-35	-19	2	5	3	6	6	7	-2

Multiples (USD)

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	1995 Y	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1995	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Price/Free Cash Flow	6.81	-2.11	-2.98	-0.99	1.08	-24.89	-1.07	-2.22	36.28	10.59	18.5	11.79	7.42	0.95	-1.22
EV/EBIT	3.7	26.52	- -	25.08	- -	27.8	15.91	12.54	27.34	26.25	16.16	10.23	16.49	- -	- -
Enterprise Value	10	64	35	70	92	119	127	58	83	82	88	79	65	35	2
Low Price	10.75	13	17	14	12.62	9	9.62	15.75	17.08	19.32	20.11	21.5	12.51	2.16	0.75
EV/Sales	0.94	4.36	1.59	2.36	2.97	3.3	7.48	3.14	4.64	4.46	4.25	3.17	2.8	2.19	0.17
EV/EBITDA	3.03	19.29	26.63	16.33	51.29	20.31	14.23	10.97	18.53	18.07	12.96	8.81	12.38	- -	- -
Price/Earnings	11.11	19.35	18.21	13.2	14.9	7.13	6.94	7.06	26.59	23.37	16.2	12.51	15.2	- -	- -
Price/Earnings Average	10.62	16.91	19.09	16.12	16.54	7.59	5.52	7.29	21.78	25.82	15.57	12.4	17.59	-1.67	-0.33
Price/Earnings High	15.24	24.72	26.07	24.13	28.27	11.59	8.36	11.06	31.53	35.4	19.02	14.18	24.51	-2.96	-0.57
Price/Earnings Low	11.5	18.9	20.15	16.09	18.3	8.02	4.86	7.45	21.12	23.82	15.31	11.95	12.52	-0.41	-0.08
Price/Book Value	1.42	1.86	1.98	1.23	1.12	0.82	1.19	1.12	1.75	1.63	1.69	1.62	1.09	0.27	-2.11
Price/Book Value Average	1.35	1.63	2.07	1.5	1.24	0.87	0.95	1.16	1.43	1.8	1.63	1.61	1.26	0.98	-8.65
Price/Book Value High	1.94	2.38	2.83	2.25	2.12	1.33	1.44	1.76	2.08	2.47	1.99	1.84	1.76	1.74	-14.89
Price/Book Value Low	1.47	1.82	2.19	1.5	1.37	0.92	0.84	1.18	1.39	1.66	1.6	1.55	0.9	0.24	-2.11
Price/Tangible Book Value	0.94	1.27	1.37	0.96	0.83	0.6	0.89	0.85	1.31	1.2	1.32	1.27	0.88	0.17	0.16
Price/Tangible Book Value Average	0.9	1.11	1.44	1.17	0.92	0.64	0.71	0.87	1.07	1.33	1.27	1.26	1.02	0.64	0.66
Price/Tangible Book Value High	1.29	1.63	1.97	1.75	1.57	0.97	1.08	1.33	1.55	1.82	1.55	1.44	1.42	1.13	1.14
Price/Tangible Book Value Low	0.97	1.24	1.52	1.17	1.01	0.67	0.63	0.89	1.04	1.23	1.25	1.22	0.73	0.16	0.16
Price/Sales	1.99	2.12	1.67	0.93	0.86	0.6	2.18	2.21	3.4	2.98	2.97	2.66	1.92	0.42	0.17
Price/Sales Average	1.9	1.85	1.75	1.14	0.96	0.64	1.74	2.29	2.78	3.29	2.86	2.64	2.22	1.56	0.69
Price/Sales High	2.73	2.71	2.39	1.71	1.64	0.97	2.63	3.47	4.03	4.51	3.49	3.01	3.09	2.76	1.2
Price/Sales Low	2.06	2.07	1.85	1.14	1.06	0.67	1.53	2.34	2.7	3.04	2.81	2.54	1.58	0.38	0.17
Price/Cash Flow	6.81	-2.04	-2.82	-0.96	1.08	-24.88	-1.06	-2.15	35.58	10.41	18.28	11.63	7.39	8.25	-0.81
Price/Cash Flow Average	6.51	-1.78	-2.96	-1.17	1.2	-26.48	-0.84	-2.22	29.14	11.5	17.58	11.53	8.55	30.35	-3.32
Price/Cash Flow High	9.34	-2.6	-4.04	-1.75	2.04	-40.44	-1.27	-3.38	42.19	15.77	21.47	13.18	11.92	53.72	-5.72
Price/Cash Flow Low	7.05	-1.99	-3.12	-1.17	1.32	-27.99	-0.74	-2.27	28.26	10.61	17.29	11.12	6.08	7.43	-0.81
Price/Free Cash Flow Average	6.51	-1.84	-3.12	-1.2	1.2	-26.49	-0.85	-2.29	29.72	11.7	17.79	11.69	8.58	3.51	-5.01
Price/Free Cash Flow High	9.34	-2.7	-4.26	-1.8	2.04	-40.45	-1.29	-3.48	43.03	16.05	21.73	13.36	11.96	6.21	-8.63
Price/Free Cash Flow Low	7.05	-2.06	-3.29	-1.2	1.32	-28.01	-0.75	-2.34	28.82	10.8	17.49	11.27	6.11	0.86	-1.22
EV/Sales Average	0.86	4.09	1.67	2.57	3.06	3.34	7.04	3.21	4.02	4.77	4.13	3.15	3.1	3.33	0.69
EV/Sales High	1.69	4.95	2.31	3.14	3.74	3.68	7.93	4.4	5.27	5.99	4.77	3.52	3.98	4.53	1.19
EV/Sales Low	1.01	4.31	1.77	2.57	3.17	3.38	6.83	3.26	3.94	4.52	4.09	3.05	2.46	2.15	0.17
EV/EBITDA Average	2.75	18.11	27.98	17.76	52.93	20.55	13.38	11.22	16.07	19.33	12.61	8.75	13.71	-2.46	-0.41
EV/EBITDA High	5.41	21.9	38.73	21.67	64.66	22.62	15.08	15.36	21.05	24.27	14.54	9.8	17.57	-3.35	-0.7
EV/EBITDA Low	3.26	19.07	29.61	17.74	54.69	20.78	12.99	11.39	15.73	18.3	12.46	8.48	10.88	-1.59	-0.1
EV/EBIT Average	3.36	24.9	- -	27.27	- -	28.13	14.96	12.82	23.71	28.09	15.73	10.16	18.26	-2.33	-0.39
EV/EBIT High	6.62	30.11	- -	33.28	- -	30.96	16.87	17.54	31.07	35.28	18.14	11.38	23.4	-3.18	-0.67
EV/EBIT Low	3.98	26.23	- -	27.25	- -	28.43	14.52	13.02	23.22	26.59	15.55	9.85	14.49	-1.51	-0.09
Last Price	10.38	13.3	15.37	11.48	10.28	8	13.73	14.93	21.5	18.96	21.27	22.49	15.2	2.4	0.75
High Price	14.25	17	22	21	19.5	13	16.55	23.4	25.5	28.71	24.98	25.5	24.5	15.62	5.3
Enterprise Value Average	9	60	36	76	95	120	119	59	72	88	86	78	72	53	9
Enterprise Value High	18	72	50	93	116	132	135	81	95	110	99	88	93	72	15
Enterprise Value Low	11	63	38	76	98	122	116	60	71	83	85	76	57	34	2

Shares Outstanding	2	2	1	1	2	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	2	2	2	2	3	3	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	2	2	2	2	3	3	3	3	3	3	3	3	3	3	3
Revenue per Share	5.22	6.27	9.2	12.31	11.92	13.34	6.29	6.74	6.33	6.36	7.16	8.46	7.92	5.65	4.43
EBITDA per Share	1.62	1.42	0.55	1.78	0.69	2.17	3.31	1.93	1.58	1.57	2.35	3.04	1.79	-7.63	-7.52
Operating Income per Share	1.33	1.03	- -	1.16	- -	1.58	2.96	1.69	1.07	1.08	1.88	2.62	1.35	-8.05	-7.93
Basic EPS, GAAP	0.93	0.69	0.84	0.87	0.69	1.12	1.98	2.12	0.81	0.81	1.31	1.8	1	-5.27	-9.34
Basic EPS from Cont Ops	0.98	0.82	0.93	0.87	0.69	1.12	0.89	1.26	0.81	0.81	1.31	1.8	1	-5.27	-9.27
Diluted EPS, GAAP	0.93	0.66	0.8	0.85	0.69	1.12	1.95	2.05	0.79	0.8	1.3	1.77	1	-5.27	-9.34
Diluted EPS from Cont Ops	0.98	0.79	0.88	0.85	0.69	1.12	0.87	1.22	0.79	0.8	1.3	1.77	1	-5.27	-9.27
Dividend per Share	0.1	0.13	0.13	0.17	0.19	0.24	0.24	0.24	1.19	1.28	0.32	0.36	0.88	0.25	0.07
Cash Flow per Share	1.53	-6.53	-5.44	-11.97	9.54	-0.32	-13	-6.93	0.6	1.82	1.16	1.93	2.06	0.29	-0.93
Free Cash Flow per Basic Share	1.53	-6.53	-5.44	-11.97	9.54	-0.32	-13	-6.93	0.6	1.82	1.16	1.93	2.06	-1.94	-1.24
Cash & Equivalents per Share	8.07	6.75	12.57	5.84	5.56	5.03	6.13	5.06	2.95	3.31	5.7	8.88	6.18	4.84	15.08
Book Value per Share	7.33	7.13	7.76	9.32	9.2	9.77	11.51	13.29	12.29	11.62	12.56	13.85	13.92	8.99	-0.36
Tangible Book Value per Share	11.07	10.44	11.18	11.97	12.46	13.37	15.37	17.65	16.46	15.76	16.08	17.68	17.21	13.84	4.65

Habersham Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)