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 (%)	- -	8.43	8.16	8.36	8.15	10.98	-0.52	12.91	3.53	4.5	6.41	7.39
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 (%)	- -	4.86	4.54	4.56	8.15	6.05	-5.08	8.44	-1.44	-0.66	1.43	2.78

Credit (USD)

Credit Ratios 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	19.61	19.13	18.5	18.9	20.7	23.31	20.7	20.05	18.75	19.54	20.4	20.19
Long-Term Debt/Equity (%)	- -	- -	- -	- -	0.01	0.17	0.16	0.14	0.15	26.89	6.75	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	0.01	0.17	0.16	0.14	0.15	21.19	6.33	- -
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 (%)	0.6	- -	- -	25.83	24.89	0.17	0.16	0.14	0.15	21.19	6.33	- -
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 (%)	-16.78	-13.42	-14.87	19.98	18.56	-13.77	-138.69	-576.5	-49.94	-5.29	-7.26	-31.92
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)

Liquidity Ratios 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	19.61	19.13	18.5	18.9	20.7	23.31	20.7	20.05	18.75	19.54	20.4	20.19
Long-Term Debt/Equity (%)	- -	- -	- -	- -	0.01	0.17	0.16	0.14	0.15	26.89	6.75	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	0.01	0.17	0.16	0.14	0.15	21.19	6.33	- -
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 (%)	0.6	- -	- -	25.83	24.89	0.17	0.16	0.14	0.15	21.19	6.33	- -
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	0.54	0.47	0.47	0.44	0.41	0.44	0.42

Working Capital (USD)

Working Capital Ratios 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)

Enterprise Value 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	95	104	101	85	62	69	77
- 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	84	54	22	58	79	69	54
Total Capital	61	68	73	95	98	91	87	93	83	109	95	97
Total Debt/Capital (%)	0.6	- -	- -	25.83	24.89	0.17	0.16	0.14	0.15	21.19	6.33	- -
Total Debt / EV	-0.04	- -	- -	1.4	0.26	- -	- -	0.01	- -	0.29	0.09	- -
EV/Sales	- -	- -	- -	1.16	6.08	3.98	6.2	0.92	4.25	5.05	3.74	2.6
EV/EBITDA	- -	- -	- -	2.12	12.06	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	2.22	12.06	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.8	- -	12.62	8.76	3.85	9.18	14.75	17.98	12.7
EV/Free Cash Flow to Firm	- -	- -	- -	2.8	- -	12.39	8.44	3.66	8.71	9.54	13.99	11.4
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	- -	- -	- -	44.19	233.26	230.35	147.17	59.39	158.91	218.3	192.84	150.2
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)

Valuation Multiples 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	84	54	22	58	79	69	54
Low Price	- -	- -	- -	- -	191	260	250.01	261	215	155	166	167
EV/Sales	- -	- -	- -	1.16	6.08	3.98	6.2	0.92	4.25	5.05	3.74	2.6
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	- -	- -	- -	- -	1.03	1.05	1.2	1.09	1.03	0.72	0.78	0.79
Price/Book Value Average	- -	- -	- -	- -	1.09	1.15	1.17	1.12	1.15	0.83	0.75	0.7
Price/Book Value High	- -	- -	- -	- -	1.16	1.21	1.3	1.16	1.23	1.06	1	0.83
Price/Book Value Low	- -	- -	- -	- -	1.03	1.05	1.05	1.03	0.94	0.66	0.67	0.61
Price/Tangible Book Value	- -	- -	- -	- -	1.03	1.05	1.2	1.09	1.03	0.72	0.78	0.79
Price/Tangible Book Value Average	- -	- -	- -	- -	1.09	1.15	1.17	1.12	1.15	0.83	0.75	0.7
Price/Tangible Book Value High	- -	- -	- -	- -	1.16	1.21	1.3	1.16	1.23	1.06	1	0.83
Price/Tangible Book Value Low	- -	- -	- -	- -	1.03	1.05	1.05	1.03	0.94	0.66	0.67	0.61
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	4.4	5.93	1.04	5.03	5.67	3.6	2.18
EV/Sales High	- -	- -	- -	1.16	6.73	4.67	7.21	1.21	5.51	6.9	4.81	2.79
EV/Sales Low	- -	- -	- -	1.16	6.08	3.98	4.72	0.69	3.72	4.7	3.2	1.75
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	93	51	25	68	89	66	45
Enterprise Value High	-9	-8	-9	18	103	99	63	29	75	108	89	58
Enterprise Value Low	-9	-8	-9	18	93	84	41	16	51	74	59	36

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	21.9	20.15	23.52	17.47	19.21	30.06	138.22	217.01	76.42	15.02	17.94	65.8
Book Value per Share	146.27	170.23	181.75	176.99	185.47	247.99	237.49	254.29	229.13	235.46	248.46	271.95
Tangible Book Value per Share	146.27	170.23	181.75	176.99	185.47	247.99	237.49	254.29	229.13	235.46	248.46	271.95

Hamlin Bank and Trust Company

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)