HCB Financial Corp. Financial Ratios — HCBN Stock

Profitability (USD)

	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	9.35	5.37	13.57	9.84	7.82	7.82	8.81	7.38	9.17	13.84	15	13.94
Return on Assets (%)	- -	0.9	0.43	0.88	0.75	0.67	0.71	0.75	0.55	0.66	0.97	1.01	1.01
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	4.47	- -	3.96	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	35.23	34.38	9.85	26.66	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	30.65	29.09	9.85	26.66	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	45.31	11,737.35	30,720	-81.77	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	30.65	29.09	9.85	26.66	18.86	18.82	17.99	19.58	17.51	20.79	28.19	31.94	30.86
Profit Margin (%)	23.73	23.52	11.16	22.17	17.19	16.91	17.34	18.48	16.44	19.46	25.14	27.73	26.43
Net Income to Common Margin (%)	23.73	23.52	11.16	22.17	17.19	16.91	17.34	18.48	16.44	19.46	25.14	27.73	26.43
Effective Tax Rate (%)	22.58	19.17	- -	16.84	8.85	10.16	3.6	5.61	6.12	6.42	10.83	13.18	14.37
Dvd Payout Ratio (%)	39.21	44.37	- -	- -	33.28	34.45	36.5	30.71	40.86	29.11	20.05	21.92	26.41
Sustainable Growth Rate (%)	- -	5.2	5.37	13.57	6.57	5.13	4.97	6.1	4.36	6.5	11.07	11.71	10.26

Credit (USD)

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	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	21	23	25	26	30	26	24	24	24	19	14	7	7
ST Debt	- -	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	21	22	25	26	30	26	24	24	24	19	14	7	7
Total Debt/EBITDA	5.91	7.48	28.24	10.55	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	2.98	4.75	16.85	7.6	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	6.79	8.84	28.24	10.55	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	3.43	5.62	16.85	7.6	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.48	9.81	6.31	6.61	8.28	8.91	9.2	8.01	7.01	7.3	6.77	6.7	7.83
Long-Term Debt/Equity (%)	82.11	82.92	100.8	98.86	100.29	84.85	72.02	67.12	67.88	57.72	37.61	16.53	14.73
Long-Term Debt/Capital (%)	48.3	45.96	63.59	62.69	52.63	47.79	44.57	43.13	42.59	35.53	26.93	14.26	13.17
Long-Term Debt/Total Assets (%)	8.85	9.03	11.02	11.11	9.2	8.16	7.4	6.08	5.2	4.02	2.49	1.11	1.19
Total Debt/Equity (%)	82.11	90.34	100.8	98.86	100.29	84.85	72.02	67.12	67.88	57.72	37.61	16.53	14.73
Total Debt/Capital (%)	48.3	50.07	63.59	62.69	52.63	47.79	44.57	43.13	42.59	35.53	26.93	14.26	13.17
Total Debt/Total Assets (%)	8.85	9.84	11.02	11.11	9.2	8.16	7.4	6.08	5.2	4.02	2.49	1.11	1.19
Net Debt to Equity	41.44	57.43	60.12	71.14	-127.73	-116.44	-99.92	-205.04	-339.91	-148.61	-418.19	-528.45	-336.74
Net Debt/Capital (%)	32.04	38.93	51.02	54.73	-203.3	-190.54	-162.04	414.97	188.28	-1,074.67	150.14	128.1	149.77
EBITDA	4	3	1	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	4	3	1	2	- -	-1	-1	- -	- -	- -	- -	- -	-3
Operating Income (Loss)	3	3	1	2	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.48	9.81	6.31	6.61	8.28	8.91	9.2	8.01	7.01	7.3	6.77	6.7	7.83
Long-Term Debt/Equity (%)	82.11	82.92	100.8	98.86	100.29	84.85	72.02	67.12	67.88	57.72	37.61	16.53	14.73
Long-Term Debt/Capital (%)	48.3	45.96	63.59	62.69	52.63	47.79	44.57	43.13	42.59	35.53	26.93	14.26	13.17
Long-Term Debt/Total Assets (%)	8.85	9.03	11.02	11.11	9.2	8.16	7.4	6.08	5.2	4.02	2.49	1.11	1.19
Total Debt/Equity (%)	82.11	90.34	100.8	98.86	100.29	84.85	72.02	67.12	67.88	57.72	37.61	16.53	14.73
Total Debt/Capital (%)	48.3	50.07	63.59	62.69	52.63	47.79	44.57	43.13	42.59	35.53	26.93	14.26	13.17
Total Debt/Total Assets (%)	8.85	9.84	11.02	11.11	9.2	8.16	7.4	6.08	5.2	4.02	2.49	1.11	1.19
CFO/Total Liabilities	2.12	1.7	- -	- -	0.84	1.2	1.07	1.45	0.71	0.93	1.36	1.09	1.4
CFO/CapEx	- -	- -	- -	- -	6.4	5.41	2.72	20.04	6.58	14.89	33.26	15.63	2.46
Altman's Z-Score	0.21	0.2	0.13	0.24	0.2	0.23	0.23	0.18	0.17	0.16	0.16	0.16	0.15

Working Capital (USD)

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	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	3.1	4.75	6.82	17	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	117.63	76.77	53.55	21.47	- -	- -	- -	- -	- -	- -	- -	- -
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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	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	28	28	33	32	23	29	25	26	32	- -
- Cash & Cash Equivalents	10	9	10	7	38	36	33	73	120	49	156	224	160
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	21	23	25	26	30	26	24	24	24	19	14	7	7
Enterprise Value	11	15	15	47	20	23	23	-26	-67	-5	-116	-185	-153
Total Capital	44	47	40	41	57	54	54	56	56	53	52	49	53
Total Debt/Capital (%)	48.3	50.07	63.59	62.69	52.63	47.79	44.57	43.13	42.59	35.53	26.93	14.26	13.17
Total Debt / EV	1.98	1.57	1.68	0.55	1.5	1.12	1.06	-0.92	-0.36	-3.59	-0.12	-0.04	-0.05
EV/Sales	1.05	1.63	1.66	5.12	1.65	1.82	1.73	2.98	3.47	2.63	1.94	- -	- -
EV/EBITDA	2.98	4.75	16.85	19.19	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	3.43	5.62	16.85	19.19	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	2.36	4.14	- -	- -	8.09	6.72	7.28	8.37	16.43	10.08	5.4	- -	- -
EV/Free Cash Flow to Firm	2.36	4.14	- -	- -	7	5.67	5.33	7.97	14.26	9.45	5.25	- -	- -
Diluted Market Cap	- -	- -	- -	28	28	33	32	23	29	25	26	32	- -
Diluted Enterprise Value	11	15	15	47	20	23	23	-26	-67	-5	-116	-185	-153
EV per Share	9.29	13.26	13.44	41.46	18.8	21.82	21.28	40.99	47.34	39.9	37.3	- -	- -
TTM Sales	10	9	9	9	12	13	13	15	14	16	20	22	23
TTM EBITDA	4	3	1	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	3	3	1	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	4	- -	- -	2	3	3	5	3	4	7	6	8
TTM Free Cash Flow to Firm	4	4	- -	- -	3	4	4	5	3	4	7	7	11

Multiples (USD)

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	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	9.87	8.03	7.51	4.24	8.44	5.62	3.52	4.78	- -
EV/EBIT	3.43	5.62	16.85	19.19	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	11	15	15	47	20	23	23	-26	-67	-5	-116	-185	-153
Low Price	- -	- -	- -	24.64	22.4	25.6	30	20	21.5	23.3	20.25	23.4	31
EV/Sales	1.05	1.63	1.66	5.12	1.65	1.82	1.73	2.98	3.47	2.63	1.94	- -	- -
EV/EBITDA	2.98	4.75	16.85	19.19	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	13.94	13.57	15.21	14.04	8.59	12.48	8.04	5.17	5.38	- -
Price/Earnings Average	- -	- -	- -	14.15	12.46	14.2	14.49	9.24	11.72	8.92	4.76	4.51	- -
Price/Earnings High	- -	- -	- -	14.67	15.87	18.45	14.98	11.81	13.51	10.15	5.37	5.47	- -
Price/Earnings Low	- -	- -	- -	13.71	11.47	12.6	14.04	7.87	9.59	7.89	4.19	4	- -
Price/Book Value	- -	- -	- -	1.85	1.05	1.16	1.07	0.73	0.91	0.71	0.68	0.77	- -
Price/Book Value Average	- -	- -	- -	1.87	0.96	1.08	1.11	0.79	0.85	0.79	0.63	0.64	- -
Price/Book Value High	- -	- -	- -	1.94	1.22	1.41	1.14	1.01	0.99	0.9	0.71	0.78	- -
Price/Book Value Low	- -	- -	- -	1.82	0.88	0.96	1.07	0.67	0.7	0.7	0.55	0.57	- -
Price/Tangible Book Value	- -	- -	- -	1.09	0.94	1.08	0.96	0.65	0.83	0.75	0.7	0.76	- -
Price/Tangible Book Value Average	- -	- -	- -	1.11	0.87	1	0.99	0.7	0.78	0.83	0.64	0.64	- -
Price/Tangible Book Value High	- -	- -	- -	1.15	1.1	1.3	1.02	0.89	0.9	0.94	0.72	0.78	- -
Price/Tangible Book Value Low	- -	- -	- -	1.07	0.8	0.89	0.96	0.6	0.64	0.73	0.56	0.57	- -
Price/Sales	- -	- -	- -	3.09	2.33	2.57	2.43	1.59	2.05	1.56	1.3	1.49	- -
Price/Sales Average	- -	- -	- -	3.14	2.14	2.4	2.51	1.71	1.93	1.74	1.2	1.25	- -
Price/Sales High	- -	- -	- -	3.25	2.73	3.12	2.6	2.18	2.22	1.98	1.35	1.52	- -
Price/Sales Low	- -	- -	- -	3.04	1.97	2.13	2.43	1.45	1.58	1.53	1.05	1.11	- -
Price/Cash Flow	- -	- -	- -	- -	11.41	9.52	10.27	4.45	9.72	6	3.62	5.08	- -
Price/Cash Flow Average	- -	- -	- -	- -	10.48	8.88	10.59	4.79	9.12	6.66	3.34	4.26	- -
Price/Cash Flow High	- -	- -	- -	- -	13.35	11.55	10.95	6.13	10.52	7.58	3.77	5.16	- -
Price/Cash Flow Low	- -	- -	- -	- -	9.64	7.88	10.27	4.08	7.46	5.89	2.93	3.78	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	9.06	7.5	7.75	4.57	7.92	6.24	3.24	4.01	- -
Price/Free Cash Flow High	- -	- -	- -	- -	11.54	9.74	8.01	5.84	9.13	7.1	3.66	4.85	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	8.34	6.65	7.51	3.89	6.48	5.52	2.85	3.55	- -
EV/Sales Average	1.05	1.63	1.66	5.16	1.46	1.65	1.8	3.04	3.32	2.74	1.8	- -	- -
EV/Sales High	1.05	1.63	1.66	5.28	2.05	2.36	1.89	3.82	3.89	0.07	2.05	- -	- -
EV/Sales Low	1.05	1.63	1.66	5.07	1.29	1.37	1.73	3.09	3.25	2.74	1.75	- -	- -
EV/EBITDA Average	2.98	4.75	16.85	19.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	2.98	4.75	16.85	19.8	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	2.98	4.75	16.85	19	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	3.43	5.62	16.85	19.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	3.43	5.62	16.85	19.8	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	3.43	5.62	16.85	19	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	25.05	26.5	30.9	30	21.81	28	23.75	25	31.49	39
High Price	- -	- -	- -	26.36	31	37.49	32	30	30.3	30	26	32	39
Enterprise Value Average	11	15	15	47	18	21	24	-24	-69	-3	-118	-190	-153
Enterprise Value High	11	15	15	48	25	30	25	-17	-64	1	-115	-184	-153
Enterprise Value Low	11	15	15	46	16	18	23	-28	-74	-6	-121	-193	-153

	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	- -
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	8.84	8.12	8.1	8.1	11.36	12.02	12.32	13.75	13.64	15.18	19.24	21.1	- -
EBITDA per Share	3.11	2.79	0.8	2.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	2.71	2.36	0.8	2.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.1	1.91	0.9	1.8	1.95	2.03	2.14	2.54	2.24	2.95	4.84	5.85	- -
Basic EPS from Cont Ops	2.1	1.91	0.9	1.8	1.95	2.03	2.14	2.54	2.24	2.95	4.84	5.85	- -
Diluted EPS, GAAP	2.1	1.9	0.9	1.79	1.95	2.03	2.14	2.54	2.24	2.95	4.84	5.85	- -
Diluted EPS from Cont Ops	2.1	1.9	0.9	1.79	1.95	2.03	2.14	2.54	2.24	2.95	4.84	5.85	- -
Dividend per Share	0.82	0.85	- -	- -	0.65	0.7	0.78	0.78	0.92	0.86	0.97	1.28	- -
Cash Flow per Share	3.93	3.21	- -	- -	2.32	3.25	2.92	4.9	2.88	3.96	6.9	6.2	- -
Free Cash Flow per Basic Share	3.93	3.21	- -	- -	1.96	2.65	1.85	4.65	2.44	3.69	6.69	5.8	- -
Cash & Equivalents per Share	9.12	7.6	9.09	6.39	35.84	33.47	31.24	68.78	114.2	47.19	150.18	218.12	- -
Book Value per Share	19.7	20.81	12.9	13.57	25.33	26.64	28	29.69	30.74	33.25	36.65	41.02	- -
Tangible Book Value per Share	22.41	23.1	22.27	23	28.06	28.74	31.26	33.55	33.6	31.76	35.91	41.28	- -

HCB Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)