HFB Financial Corporation Financial Ratios — HFBA Stock

Profitability (USD)

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2002 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/1996	06/30/1997	06/30/1998	06/30/1999	06/30/2000	06/30/2001	06/30/2002	12/31/2002	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 (%)	- -	8.35	11.11	8.6	10.22	10.7	10.62	- -	10.04	7.9	7.94	9.92	5.98	4.75	8.22
Return on Assets (%)	- -	0.68	0.89	0.68	0.73	0.7	0.69	- -	0.91	0.84	0.82	1.02	0.62	0.47	0.82
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	-9.95	- -	- -	- -	-7.75	-8.51	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	- -	100	100	100	100	100	100	100
EBITDA Margin (%)	-694.54	-341.23	46.5	59.48	37.63	-305.29	-301.61	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-743.58	-386.32	- -	- -	- -	-349.35	-339.47	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	6,714.03	- -	- -	- -	- -	-339.47	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	337.96	184.23	245.41	328.67	279.52	204.44	165.28	- -	21.59	24.13	23.82	29.86	19.28	16.1	25.03
Profit Margin (%)	216.72	117.36	160.77	214.91	180.74	134.92	112.47	- -	18.04	19.6	19	23.97	15.86	12.94	19.62
Net Income to Common Margin (%)	216.72	117.36	160.77	214.91	180.74	134.92	112.47	- -	18.04	19.6	19	23.97	15.86	12.94	19.62
Effective Tax Rate (%)	35.87	36.3	34.49	34.61	35.34	34	31.95	- -	16.42	18.76	20.26	19.71	17.76	19.59	21.62
Dvd Payout Ratio (%)	- -	40.32	31.03	39.73	33.07	33.12	31.88	- -	31.56	27.66	25.91	19.77	30.49	36.73	20.13
Sustainable Growth Rate (%)	- -	4.99	7.67	5.18	6.84	7.16	7.24	- -	6.87	5.72	5.88	7.96	4.15	3	6.56

Credit (USD)

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	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2002 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/1996	06/30/1997	06/30/1998	06/30/1999	06/30/2000	06/30/2001	06/30/2002	12/31/2002	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	3	9	13	18	14	13	21	28	27	28	20	32	13	24	- -
ST Debt	- -	8	6	6	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -
LT Debt	3	1	6	11	13	13	21	27	27	28	20	32	13	24	- -
Total Debt/EBITDA	-1.03	-2.91	29.31	51.95	45.91	-3.98	-4.86	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	0.72	-1.65	13.33	41.54	35.34	0.14	-3.64	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	-0.96	-2.57	- -	- -	- -	-3.48	-4.32	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	0.67	-1.46	- -	- -	- -	0.12	-3.23	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.1	8.15	7.96	7.76	6.54	6.63	6.3	6.49	10.81	10.37	10.22	10.32	10.3	9.71	10.19
Long-Term Debt/Equity (%)	17.9	7.66	34.7	63.83	74.38	65.54	93.61	114.11	59.77	57.65	40.45	73.32	27.76	51.32	0.23
Long-Term Debt/Capital (%)	19.06	5.83	23.3	34.72	49.19	48.2	57.2	60.14	39.21	38.54	30.16	38.33	19.41	30.73	0.21
Long-Term Debt/Total Assets (%)	1.91	0.8	3.54	5.94	6.52	6.17	8.42	10.61	6.97	6.5	4.41	6.41	2.48	4.31	0.02
Total Debt/Equity (%)	17.9	52.93	70.84	100.45	76.61	65.54	93.61	119.94	59.77	57.65	40.45	73.32	27.76	51.32	0.23
Total Debt/Capital (%)	19.06	40.28	47.57	54.64	50.66	48.2	57.2	63.22	39.21	38.54	30.16	38.33	19.41	30.73	0.21
Total Debt/Total Assets (%)	1.91	5.5	7.22	9.35	6.71	6.17	8.42	11.16	6.97	6.5	4.41	6.41	2.48	4.31	0.02
Net Debt to Equity	-12.57	30.03	32.22	80.32	58.97	-2.31	70.01	98.88	-24.08	-53.78	-72.12	-37.23	-31.67	-26.08	-28.63
Net Debt/Capital (%)	-19.8	27.67	29.21	49.06	44.15	-3.39	49.99	58.62	-18.76	-56.13	-116.33	-24.17	-28.44	-18.51	-35.3
EBITDA	-3	-3	- -	- -	- -	-3	-4	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-3	-3	- -	- -	-1	-5	-4	- -	- -	- -	- -	-2	-3	-3	-1
Operating Income (Loss)	-3	-3	- -	- -	- -	-4	-5	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2002 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/1996	06/30/1997	06/30/1998	06/30/1999	06/30/2000	06/30/2001	06/30/2002	12/31/2002	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	8.1	8.15	7.96	7.76	6.54	6.63	6.3	6.49	10.81	10.37	10.22	10.32	10.3	9.71	10.19
Long-Term Debt/Equity (%)	17.9	7.66	34.7	63.83	74.38	65.54	93.61	114.11	59.77	57.65	40.45	73.32	27.76	51.32	0.23
Long-Term Debt/Capital (%)	19.06	5.83	23.3	34.72	49.19	48.2	57.2	60.14	39.21	38.54	30.16	38.33	19.41	30.73	0.21
Long-Term Debt/Total Assets (%)	1.91	0.8	3.54	5.94	6.52	6.17	8.42	10.61	6.97	6.5	4.41	6.41	2.48	4.31	0.02
Total Debt/Equity (%)	17.9	52.93	70.84	100.45	76.61	65.54	93.61	119.94	59.77	57.65	40.45	73.32	27.76	51.32	0.23
Total Debt/Capital (%)	19.06	40.28	47.57	54.64	50.66	48.2	57.2	63.22	39.21	38.54	30.16	38.33	19.41	30.73	0.21
Total Debt/Total Assets (%)	1.91	5.5	7.22	9.35	6.71	6.17	8.42	11.16	6.97	6.5	4.41	6.41	2.48	4.31	0.02
CFO/Total Liabilities	0.74	0.71	1.06	0.87	0.65	1.04	1.66	- -	1.06	1.11	1.21	1.5	0.76	0.74	1.25
CFO/CapEx	1.34	32.44	6.22	3.14	0.7	1.6	53.21	- -	8.37	10.5	19.4	2.75	1.08	1.46	12.21
Altman's Z-Score	0.07	0.07	0.15	0.13	0.11	0.05	0.04	0.08	0.25	0.23	0.24	0.23	0.22	0.21	0.18

Working Capital (USD)

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	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2002 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/1996	06/30/1997	06/30/1998	06/30/1999	06/30/2000	06/30/2001	06/30/2002	12/31/2002	12/31/2019	12/31/2020	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)

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	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2002 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/1996	06/30/1997	06/30/1998	06/30/1999	06/30/2000	06/30/2001	06/30/2002	12/31/2002	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	7	7	10	8	8	7	9	- -	36	33	39	36	32	34	- -
- Cash & Cash Equivalents	5	4	7	4	3	14	5	5	11	26	36	16	15	12	15
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	3	9	13	18	14	13	21	28	27	28	20	32	13	24	- -
Enterprise Value	5	12	16	22	19	7	24	23	53	35	23	52	30	46	-15
Total Capital	15	22	27	33	27	28	36	45	69	73	68	83	66	79	58
Total Debt/Capital (%)	19.06	40.28	47.57	54.64	50.66	48.2	57.2	63.22	39.21	38.54	30.16	38.33	19.41	30.73	0.21
Total Debt / EV	0.59	0.73	0.8	0.81	0.74	1.92	0.86	1.21	0.52	0.8	0.89	0.61	0.42	0.52	-0.01
EV/Sales	12.16	13.52	17.1	38.01	23.4	6.33	17.1	- -	3.22	2	1.2	2.56	1.55	2.34	- -
EV/EBITDA	- -	- -	36.78	63.91	62.18	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	4.94	11.77	9.49	14.56	15.31	3.42	6.49	- -	14.33	8.28	4.59	7.66	8.61	12.2	- -
EV/Free Cash Flow to Firm	2.83	11.42	8.18	11.04	6.33	2.1	6.37	- -	12.8	7.56	4.37	5.62	4.48	7.24	- -
Diluted Market Cap	7	7	10	8	8	8	9	- -	36	33	39	36	32	34	37
Diluted Enterprise Value	5	12	16	22	19	7	24	23	53	35	23	52	30	46	22
EV per Share	3.56	9.25	12.32	16.63	14.11	5.63	19.31	- -	44.14	29.58	19.46	44.32	26.4	40.42	- -
TTM Sales	- -	1	1	1	1	1	1	- -	16	17	19	20	20	20	24
TTM EBITDA	-3	-3	- -	- -	- -	-3	-4	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-3	-3	- -	- -	- -	-4	-5	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	2	2	1	2	4	- -	4	4	5	7	4	4	6
TTM Free Cash Flow to Firm	2	1	2	2	3	3	4	- -	4	5	5	9	7	6	7

Multiples (USD)

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	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2002 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/1996	06/30/1997	06/30/1998	06/30/1999	06/30/2000	06/30/2001	06/30/2002	12/31/2002	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	4	6.67	5.37	3.91	2.76	2.29	2.28	- -	8.84	7.16	7.41	3.93	4.75	5.38	5.28
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	5	12	16	22	19	7	24	23	53	35	23	52	30	46	-15
Low Price	9.12	10.5	6.46	6.89	8.75	10	11.55	12.69	29	21	27.5	30	26	24.8	24.05
EV/Sales	12.16	13.52	17.1	38.01	23.4	6.33	17.1	- -	3.22	2	1.2	2.56	1.55	2.34	- -
EV/EBITDA	- -	- -	36.78	63.91	62.18	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	7.92	6.73	6.78	6.19	5.59	5.01	5.45	- -	12.34	9.68	10.69	7.46	10.38	13.44	- -
Price/Earnings Average	6.81	6.31	6.47	7.8	5.24	4.96	5.56	- -	12.24	9.58	9.99	7.91	11.39	12.76	- -
Price/Earnings High	18.11	15.26	14.39	17.29	12.73	11.67	11.81	- -	12.74	10.72	11.01	8.18	14.01	14.13	- -
Price/Earnings Low	14.37	13.08	5.58	7.33	8.03	8.33	9.09	- -	11.73	7.26	8.91	7.22	9.65	11.11	- -
Price/Book Value	0.57	0.54	0.73	0.52	0.6	0.52	0.56	- -	0.86	0.74	0.82	0.71	0.61	0.63	- -
Price/Book Value Average	0.49	0.5	0.69	0.65	0.56	0.51	0.57	- -	0.85	0.74	0.77	0.75	0.67	0.6	- -
Price/Book Value High	1.3	1.22	1.54	1.45	1.37	1.2	1.21	- -	0.89	0.82	0.85	0.78	0.82	0.66	- -
Price/Book Value Low	1.03	1.04	0.6	0.61	0.86	0.86	0.93	- -	0.82	0.56	0.69	0.69	0.57	0.52	- -
Price/Tangible Book Value	0.43	0.42	0.57	0.43	0.45	0.36	0.39	- -	0.8	0.68	0.77	0.84	0.7	0.73	- -
Price/Tangible Book Value Average	0.37	0.4	0.54	0.55	0.42	0.36	0.4	- -	0.79	0.68	0.72	0.89	0.77	0.69	- -
Price/Tangible Book Value High	0.98	0.96	1.2	1.21	1.02	0.85	0.85	- -	0.82	0.76	0.8	0.92	0.95	0.76	- -
Price/Tangible Book Value Low	0.78	0.82	0.47	0.51	0.64	0.61	0.65	- -	0.76	0.51	0.64	0.81	0.65	0.6	- -
Price/Sales	17.17	7.89	10.91	13.31	10.1	6.76	6.13	- -	2.23	1.9	2.03	1.79	1.65	1.74	- -
Price/Sales Average	14.77	7.41	10.39	16.77	9.47	6.69	6.25	- -	2.21	1.88	1.9	1.9	1.81	1.65	- -
Price/Sales High	39.26	17.91	23.14	37.15	23.01	15.74	13.28	- -	2.3	2.1	2.09	1.96	2.22	1.83	- -
Price/Sales Low	31.13	15.35	8.97	15.75	14.51	11.24	10.23	- -	2.12	1.42	1.69	1.73	1.53	1.44	- -
Price/Cash Flow	6.97	6.87	6.05	5.1	6.61	3.65	2.33	- -	9.9	7.84	7.79	5.36	9.12	9.05	- -
Price/Cash Flow Average	6	6.45	5.77	6.42	6.2	3.62	2.37	- -	9.82	7.76	7.28	5.68	10.01	8.6	- -
Price/Cash Flow High	15.95	15.59	12.84	14.23	15.06	8.51	5.04	- -	10.22	8.68	8.02	5.88	12.32	9.52	- -
Price/Cash Flow Low	12.65	13.36	4.98	6.03	9.5	6.08	3.88	- -	9.41	5.88	6.49	5.18	8.48	7.48	- -
Price/Free Cash Flow Average	3.44	6.25	5.12	4.92	2.58	2.26	2.33	- -	8.77	7.09	6.92	4.17	5.21	5.1	4.69
Price/Free Cash Flow High	9.13	15.12	11.39	10.91	6.28	5.32	4.95	- -	9.13	7.93	7.63	4.31	6.41	5.65	5.28
Price/Free Cash Flow Low	7.24	12.96	4.41	4.63	3.96	3.8	3.81	- -	8.41	5.37	6.17	3.8	4.41	4.44	3.91
EV/Sales Average	9.76	13.03	16.59	41.47	22.77	6.26	17.22	- -	3.2	1.99	1.06	2.66	1.71	2.26	- -
EV/Sales High	34.25	23.54	29.33	61.86	36.31	15.31	24.25	- -	3.29	2.21	1.26	2.73	2.13	2.43	- -
EV/Sales Low	26.12	20.98	15.16	40.45	27.81	10.81	21.2	- -	3.11	1.53	0.86	2.5	1.44	2.04	- -
EV/EBITDA Average	-1.4	-3.82	35.68	69.73	60.51	-2.05	-5.71	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-4.93	-6.9	63.09	104	96.51	-5.02	-8.04	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-3.76	-6.15	32.61	68.02	73.9	-3.54	-7.03	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-1.31	-3.37	- -	- -	- -	-1.79	-5.07	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-4.61	-6.09	- -	- -	- -	-4.38	-7.14	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-3.51	-5.43	- -	- -	- -	-3.1	-6.24	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	5.03	5.4	7.86	5.82	6.09	6.01	6.92	7.47	30.5	28	33	31	27.95	30	32.5
High Price	11.5	12.25	16.67	16.25	13.88	14	15	15	31.5	31	34	34	37.75	31.55	32.5
Enterprise Value Average	4	12	16	24	18	7	24	23	52	35	20	54	34	44	-15
Enterprise Value High	13	21	27	36	29	17	34	23	54	39	24	56	42	48	-15
Enterprise Value Low	10	19	14	23	22	12	30	23	51	27	16	51	28	40	-15

Shares Outstanding	2	2	2	2	1	2	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	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	- -	1	1	1	1	1	1	- -
Revenue per Share	0.29	0.68	0.72	0.44	0.6	0.89	1.13	- -	13.7	14.76	16.25	17.33	16.99	17.25	- -
EBITDA per Share	-2.03	-2.33	0.34	0.26	0.23	-2.72	-3.41	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-2.18	-2.64	- -	- -	- -	-3.11	-3.83	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.63	0.8	1.16	0.94	1.09	1.2	1.27	- -	2.47	2.89	3.09	4.15	2.69	2.23	- -
Basic EPS from Cont Ops	0.63	0.8	1.16	0.94	1.09	1.2	1.27	- -	2.47	2.89	3.09	4.15	2.69	2.23	- -
Diluted EPS, GAAP	0.63	0.8	1.12	0.93	1.08	1.18	1.27	- -	2.47	2.89	3.09	4.15	2.69	2.23	4.07
Diluted EPS from Cont Ops	0.63	0.8	1.12	0.93	1.08	1.18	1.27	- -	2.47	2.89	3.09	4.15	2.69	2.23	4.07
Dividend per Share	- -	0.32	0.36	0.37	0.36	0.4	0.4	- -	0.78	0.8	0.8	0.82	0.82	0.82	- -
Cash Flow per Share	0.72	0.79	1.3	1.14	0.92	1.65	2.98	- -	3.08	3.57	4.24	5.79	3.06	3.31	- -
Free Cash Flow per Basic Share	0.18	0.76	1.09	0.78	-0.39	0.62	2.92	- -	2.71	3.23	4.02	3.69	0.24	1.05	- -
Cash & Equivalents per Share	3.56	2.94	5.35	2.71	2.4	11.19	4.18	- -	9.2	22.02	30.84	13.74	12.58	10.76	- -
Book Value per Share	8.88	10.06	10.82	11.22	10.14	11.62	12.39	- -	35.42	37.65	40.05	43.53	45.8	47.73	- -
Tangible Book Value per Share	11.68	12.82	13.86	13.45	13.6	16.49	17.69	- -	38.22	40.95	42.76	36.9	39.73	41.26	- -

HFB Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)