Hamlin Bank and Trust Company Financial Ratios — HMLN Stock

Profitability (USD)

	2002 Y	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	12/31/2002	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 (%)	- -	17.68	18.39	17.36	12.34	12.62	-0.56	13.98	3.62	4.47	6.53	7.86
Return on Assets (%)	- -	1.63	1.53	1.56	1.61	2.42	-0.11	2.63	0.69	0.86	1.28	1.5
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	8.4	8.16	7.13	6.08	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	56.79	55.18	54.06	54.82	50.37	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	53.41	52.25	51.35	52.22	50.37	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	28.86	34.58	138.82	-163.66	-130.37	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	53.41	52.25	51.35	52.22	50.37	52.33	-10.05	61.26	26.68	29.12	36.87	40.94
Profit Margin (%)	38.04	38.19	38.38	39.49	38.47	42.63	-5.28	49.19	22.89	24.23	30.32	33.35
Net Income to Common Margin (%)	38.04	38.19	38.38	39.49	38.47	42.63	-5.28	49.19	22.89	24.23	30.32	33.35
Effective Tax Rate (%)	28.79	26.92	25.25	24.38	23.62	18.54	- -	19.7	14.2	16.79	17.77	18.55
Dvd Payout Ratio (%)	44.1	42.27	44.43	45.47	- -	44.88	-883.39	34.65	140.7	114.69	77.68	62.41
Sustainable Growth Rate (%)	- -	10.21	10.22	9.47	12.34	6.96	-5.53	9.13	-1.47	-0.66	1.46	2.96

Credit (USD)

API ChatGPT

	2002 Y	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	12/31/2002	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	- -	- -	- -	25	24	- -	- -	- -	- -	23	6	- -
ST Debt	- -	- -	- -	25	24	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	23	6	- -
Total Debt/EBITDA	0.05	- -	- -	2.96	3.18	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-1.13	-1.03	-1.16	2.12	2.19	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	0.05	- -	- -	3.1	3.18	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-1.2	-1.09	-1.22	2.22	2.19	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.26	8.32	8.36	9.67	16.6	21.54	18.91	18.73	19.22	19.39	19.78	18.43
Long-Term Debt/Equity (%)	- -	- -	- -	- -	0.01	0.17	0.16	0.14	0.15	26.89	6.75	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	0.01	0.18	0.18	0.15	0.14	21.32	6.51	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.04	0.03	0.03	0.03	5.25	1.38	- -
Total Debt/Equity (%)	0.6	- -	- -	34.83	33.15	0.17	0.16	0.14	0.15	26.89	6.75	- -
Total Debt/Capital (%)	1.14	- -	- -	40.5	29.24	0.18	0.18	0.15	0.14	21.32	6.51	- -
Total Debt/Total Assets (%)	0.12	- -	- -	6.58	6.86	0.04	0.03	0.03	0.03	5.25	1.38	- -
Net Debt to Equity	-14.37	-11.83	-12.94	24.96	22.79	-12.12	-58.2	-85.34	-33.35	-6.38	-7.22	-24.2
Net Debt/Capital (%)	-37.81	-37.38	-40.13	32.79	22.13	-15.06	-174.77	-1,041.55	-48.13	-5.33	-7.48	-36.06
EBITDA	8	8	8	8	8	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	8	8	8	8	8	- -	- -	- -	- -	-3	-1	- -
Operating Income (Loss)	7	7	8	8	8	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2002 Y	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	12/31/2002	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	10.26	8.32	8.36	9.67	16.6	21.54	18.91	18.73	19.22	19.39	19.78	18.43
Long-Term Debt/Equity (%)	- -	- -	- -	- -	0.01	0.17	0.16	0.14	0.15	26.89	6.75	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	0.01	0.18	0.18	0.15	0.14	21.32	6.51	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.04	0.03	0.03	0.03	5.25	1.38	- -
Total Debt/Equity (%)	0.6	- -	- -	34.83	33.15	0.17	0.16	0.14	0.15	26.89	6.75	- -
Total Debt/Capital (%)	1.14	- -	- -	40.5	29.24	0.18	0.18	0.15	0.14	21.32	6.51	- -
Total Debt/Total Assets (%)	0.12	- -	- -	6.58	6.86	0.04	0.03	0.03	0.03	5.25	1.38	- -
CFO/Total Liabilities	1.92	1.74	1.99	2.08	- -	2.24	1.85	1.52	1.74	1.53	1.11	1.1
CFO/CapEx	- -	- -	- -	- -	- -	53.74	26.24	19.72	18.5	1.83	3.51	8.78
Altman's Z-Score	0.26	0.22	0.22	0.24	0.5	0.55	0.47	0.47	0.44	0.41	0.44	0.3

Working Capital (USD)

API ChatGPT

	2002 Y	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	12/31/2002	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	- -	3.24	3.08	3.08	4.19	18.79	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	112.59	118.51	118.53	87.2	19.43	- -	- -	- -	- -	- -	- -
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

	2002 Y	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	12/31/2002	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	- -	- -	- -	- -	76	96	104	101	86	62	70	- -
- Cash & Cash Equivalents	9	8	9	7	8	11	51	79	28	5	6	24
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	25	24	- -	- -	- -	- -	23	6	- -
Enterprise Value	-9	-8	-9	18	93	85	54	22	58	79	69	-24
Total Capital	32	30	33	61	84	84	79	87	86	108	92	89
Total Debt/Capital (%)	1.14	- -	- -	40.5	29.24	0.18	0.18	0.15	0.14	21.32	6.51	- -
Total Debt / EV	-0.04	- -	- -	1.4	0.26	- -	- -	0.01	- -	0.29	0.09	- -
EV/Sales	- -	- -	- -	1.16	6.08	4.01	6.2	0.92	4.27	5.05	3.76	- -
EV/EBITDA	- -	- -	- -	2.12	12.06	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	2.22	12.06	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.8	- -	12.72	8.76	3.86	9.22	14.75	18.07	- -
EV/Free Cash Flow to Firm	- -	- -	- -	2.8	- -	12.49	8.44	3.67	8.74	9.55	14.07	- -
Diluted Market Cap	- -	- -	- -	- -	76	96	104	101	86	62	70	77
Diluted Enterprise Value	-9	-8	-9	18	93	85	54	22	58	79	69	54
EV per Share	- -	- -	- -	44.04	233.26	230.56	147.17	59.55	159.12	218.29	192.85	- -
TTM Sales	14	14	15	15	15	21	9	24	14	16	18	21
TTM EBITDA	8	8	8	8	8	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	7	7	8	8	8	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	5	6	6	- -	7	6	6	6	5	4	4
TTM Free Cash Flow to Firm	5	5	6	6	- -	7	6	6	7	8	5	5

Multiples (USD)

API ChatGPT

	2002 Y	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	12/31/2002	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	- -	- -	- -	- -	- -	14.08	16.34	17.03	12.91	7.43	14.15	16.4
EV/EBIT	- -	- -	- -	2.22	12.06	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-9	-8	-9	18	93	85	54	22	58	79	69	-24
Low Price	- -	- -	- -	- -	191	260	250.01	261	215	155	166	167
EV/Sales	- -	- -	- -	1.16	6.08	4.01	6.2	0.92	4.27	5.05	3.76	- -
EV/EBITDA	- -	- -	- -	2.12	12.06	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	12.93	10.61	- -	8.69	27.54	16.24	12.48	- -
Price/Earnings Average	- -	- -	- -	- -	13.74	11.59	-222.29	8.94	30.96	18.78	12.01	- -
Price/Earnings High	- -	- -	- -	- -	14.62	12.24	-246.51	9.29	33.05	23.88	16.02	- -
Price/Earnings Low	- -	- -	- -	- -	12.93	10.61	-199.45	8.22	25.19	14.81	10.68	- -
Price/Book Value	- -	- -	- -	- -	1.28	1.14	1.31	1.16	1	0.73	0.81	- -
Price/Book Value Average	- -	- -	- -	- -	1.36	1.25	1.28	1.2	1.13	0.84	0.78	- -
Price/Book Value High	- -	- -	- -	- -	1.45	1.32	1.42	1.24	1.2	1.07	1.04	- -
Price/Book Value Low	- -	- -	- -	- -	1.28	1.14	1.15	1.1	0.92	0.66	0.69	- -
Price/Tangible Book Value	- -	- -	- -	- -	1.03	1.06	1.2	1.09	1.03	0.72	0.78	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	1.09	1.15	1.17	1.12	1.16	0.83	0.76	- -
Price/Tangible Book Value High	- -	- -	- -	- -	1.16	1.22	1.3	1.16	1.23	1.06	1.01	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	1.03	1.06	1.05	1.03	0.94	0.66	0.67	- -
Price/Sales	- -	- -	- -	- -	4.98	4.52	12	4.28	6.3	3.94	3.78	- -
Price/Sales Average	- -	- -	- -	- -	5.29	4.94	11.73	4.4	7.09	4.55	3.64	- -
Price/Sales High	- -	- -	- -	- -	5.63	5.22	13.01	4.57	7.56	5.79	4.86	- -
Price/Sales Low	- -	- -	- -	- -	4.98	4.52	10.53	4.04	5.77	3.59	3.24	- -
Price/Cash Flow	- -	- -	- -	- -	- -	14.35	16.96	17.89	13.61	11.49	18.18	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	15.68	16.58	18.4	15.3	13.28	17.5	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	16.55	18.39	19.12	16.33	16.9	23.34	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	14.35	14.88	16.91	12.45	10.48	15.56	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	15.39	15.97	17.51	14.52	8.59	13.62	14.52
Price/Free Cash Flow High	- -	- -	- -	- -	- -	16.25	17.71	18.19	15.5	10.93	18.16	17.23
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	14.08	14.33	16.1	11.81	6.78	12.11	12.68
EV/Sales Average	- -	- -	- -	1.16	6.39	4.43	5.93	1.05	5.05	5.67	3.62	- -
EV/Sales High	- -	- -	- -	1.16	6.73	4.71	7.21	1.22	5.53	6.9	4.84	- -
EV/Sales Low	- -	- -	- -	1.16	6.08	4.01	4.72	0.69	3.73	4.71	3.22	- -
EV/EBITDA Average	-1.13	-1.03	-1.16	2.12	12.68	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-1.13	-1.03	-1.16	2.12	13.36	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-1.13	-1.03	-1.16	2.12	12.06	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-1.2	-1.09	-1.22	2.22	12.68	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-1.2	-1.09	-1.22	2.22	13.36	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-1.2	-1.09	-1.22	2.22	12.06	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	191	260	285	276.04	235	170	194	216
High Price	- -	- -	- -	- -	216	300	309	295	282	250	249	226.99
Enterprise Value Average	-9	-8	-9	18	98	94	51	25	69	89	67	-24
Enterprise Value High	-9	-8	-9	18	103	100	63	29	75	108	89	-24
Enterprise Value Low	-9	-8	-9	18	93	85	41	16	51	74	59	-24

Shares Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	32.46	34.98	37.4	37.93	38.39	57.5	23.75	64.55	37.28	43.2	51.26	- -
EBITDA per Share	18.43	19.3	20.22	20.79	19.34	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	17.34	18.28	19.2	19.81	19.34	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	12.35	13.36	14.35	14.98	14.77	24.51	-1.25	31.75	8.53	10.47	15.54	- -
Basic EPS from Cont Ops	12.35	13.36	14.35	14.98	14.77	24.51	-1.25	31.75	8.53	10.47	15.54	- -
Diluted EPS, GAAP	12.35	13.36	14.35	14.98	14.77	24.51	-1.25	31.75	8.53	10.47	15.54	19.23
Diluted EPS from Cont Ops	12.35	13.36	14.35	14.98	14.77	24.51	-1.25	31.75	8.53	10.47	15.54	19.23
Dividend per Share	5.44	5.65	6.38	6.81	- -	11	11.07	11	12.01	12	12.07	- -
Cash Flow per Share	11.44	12.35	15.86	15.73	- -	18.12	16.8	15.43	17.26	14.8	10.67	- -
Free Cash Flow per Basic Share	11.44	12.35	15.86	15.73	- -	17.79	16.16	14.65	16.33	6.73	7.63	- -
Cash & Equivalents per Share	21.74	19.89	23.47	17.41	19.21	29.85	138.22	216.85	76.22	15.02	17.85	- -
Book Value per Share	76.01	73.08	81.96	90.27	148.75	227.61	216.92	237.31	234.23	233.58	239.64	- -
Tangible Book Value per Share	145.18	168.02	181.34	176.39	185.47	246.25	237.49	254.1	228.51	235.4	247.17	- -

Hamlin Bank and Trust Company

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)