IBW Financial Corporation Financial Ratios — IBWC Stock

Profitability (USD)

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	4.89	5.88	2.08	3.08	11.76	14.55	5.83	2.83	5.6	1.94	-2.81
Return on Assets (%)	- -	0.4	0.5	0.17	0.23	0.84	1.04	0.43	0.2	0.36	0.24	0.05
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	17.31	11.03	11.7	7.6	6.14	22.87	21.62	11.61	6.15	9.84	7.25	1.87
Profit Margin (%)	11.39	7.47	9.34	3.2	4.8	16.4	15.81	8.36	4.79	7.09	5.53	1.34
Net Income to Common Margin (%)	10.65	6.77	8.56	3.09	4.67	16.3	15.74	8.27	4.38	6.76	2.83	-4.14
Effective Tax Rate (%)	34.19	32.24	20.23	57.84	21.84	28.29	26.89	28.01	22.1	27.99	23.66	28.12
Dvd Payout Ratio (%)	-7.01	-10.47	- -	9.49	-2.66	1.8	2.64	3.97	8.48	4.87	16.61	-6.01
Sustainable Growth Rate (%)	- -	5.4	5.88	1.88	3.16	11.55	14.16	5.6	2.59	5.32	1.62	-2.98

Credit (USD)

API Chat

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	23	37	16	52	45	- -	- -	- -	- -	25	- -	50
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	23	37	16	52	45	- -	- -	- -	- -	25	- -	50
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.51	7.45	8	7.38	7.41	6.8	7.43	7.04	6.09	6.33	6.15	5.84
Long-Term Debt/Equity (%)	59.64	93.69	45.47	146.81	127.42	- -	- -	- -	- -	19.45	- -	37.17
Long-Term Debt/Capital (%)	40.64	51.32	33.79	61.99	58.14	- -	- -	- -	- -	14.99	- -	26.16
Long-Term Debt/Total Assets (%)	6.34	9.6	4.15	12.23	10.45	- -	- -	- -	- -	3.34	- -	6.25
Total Debt/Equity (%)	59.64	93.69	45.47	146.81	127.42	- -	- -	- -	- -	19.45	- -	37.17
Total Debt/Capital (%)	40.64	51.32	33.79	61.99	58.14	- -	- -	- -	- -	14.99	- -	26.16
Total Debt/Total Assets (%)	6.34	9.6	4.15	12.23	10.45	- -	- -	- -	- -	3.34	- -	6.25
Net Debt to Equity	-62.64	-43.34	-57.26	-53.08	-65.41	-175.87	-187.08	-106.13	-60.47	-41.14	-50.77	-34.28
Net Debt/Capital (%)	-74.49	-31.13	-74.07	-28.89	-42.54	205.65	188.36	649.67	-113.32	-46.42	-85.64	-31.78
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	-1	-4	- -	-1	-1	-6	-3	-4	-1	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API Chat

	2014 Y	2015 Y	2016 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	7.51	7.45	8	7.38	7.41	6.8	7.43	7.04	6.09	6.33	6.15	5.84
Long-Term Debt/Equity (%)	59.64	93.69	45.47	146.81	127.42	- -	- -	- -	- -	19.45	- -	37.17
Long-Term Debt/Capital (%)	40.64	51.32	33.79	61.99	58.14	- -	- -	- -	- -	14.99	- -	26.16
Long-Term Debt/Total Assets (%)	6.34	9.6	4.15	12.23	10.45	- -	- -	- -	- -	3.34	- -	6.25
Total Debt/Equity (%)	59.64	93.69	45.47	146.81	127.42	- -	- -	- -	- -	19.45	- -	37.17
Total Debt/Capital (%)	40.64	51.32	33.79	61.99	58.14	- -	- -	- -	- -	14.99	- -	26.16
Total Debt/Total Assets (%)	6.34	9.6	4.15	12.23	10.45	- -	- -	- -	- -	3.34	- -	6.25
CFO/Total Liabilities	- -	- -	0.35	0.16	- -	0.79	-0.6	0.48	0.51	1.46	0.91	0.51
CFO/CapEx	- -	- -	0.81	0.14	- -	6.4	-2.45	0.46	0.92	2.37	4.69	3.64
Altman's Z-Score	0.17	0.17	0.18	0.18	0.18	0.16	0.19	0.17	0.14	0.15	0.15	0.12

Working Capital (USD)

API Chat

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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)

API Chat

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	8	11	11	19	17	16	21	20	17	10	27	- -
- Cash & Cash Equivalents	25	17	20	19	23	71	90	67	74	53	66	46
+ Preferred Equity and Hybrid Capital	6	6	- -	- -	- -	- -	- -	13	94	94	94	94
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	23	37	16	52	45	- -	- -	- -	- -	25	- -	50
Enterprise Value	13	37	7	53	40	-54	-68	-34	37	77	56	98
Total Capital	58	73	47	84	78	37	42	57	140	167	143	191
Total Debt/Capital (%)	40.64	51.32	33.79	61.99	58.14	- -	- -	- -	- -	14.99	- -	26.16
Total Debt / EV	1.8	1	2.21	0.98	1.14	- -	- -	- -	- -	0.32	- -	0.51
EV/Sales	0.67	1.83	0.35	2.53	1.91	- -	- -	- -	1.3	2.01	1.7	3.06
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	5.97	85.21	- -	- -	- -	- -	11.81	8.54	9.44	29.03
EV/Free Cash Flow to Firm	- -	- -	2.67	10.4	- -	- -	- -	- -	5.67	6	7.78	22.78
Diluted Market Cap	8	11	11	19	17	16	21	20	17	10	27	- -
Diluted Enterprise Value	13	37	7	53	40	-54	-68	-34	37	77	56	98
EV per Share	21.55	62.15	11.98	87.91	66.72	- -	- -	- -	58.01	119.13	86.45	- -
TTM Sales	19	20	20	21	21	25	36	30	29	38	33	32
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	1	1	- -	4	-3	3	3	9	6	3
TTM Free Cash Flow to Firm	- -	- -	3	5	- -	4	-2	9	7	13	7	4

Multiples (USD)

API Chat

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	4.01	3.78	- -	3.66	-11.48	2.37	2.6	0.81	3.78	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	13	37	7	53	40	-54	-68	-34	37	77	56	98
Low Price	10	12.77	17.15	17.26	28.28	24	23.4	30.01	22	16	16	34.11
EV/Sales	0.67	1.83	0.35	2.53	1.91	- -	- -	- -	1.3	2.01	1.7	3.06
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	3.72	7.81	6.17	29.86	17.78	4.1	3.7	8.18	13.61	3.99	29.26	- -
Price/Earnings Average	3.4	7.51	6.04	23.87	20.49	4.04	3	8.18	12.11	5.45	21.83	- -
Price/Earnings High	5.83	8.25	6.47	32.66	24.21	4.47	3.7	8.92	16.89	6.63	31.35	- -
Price/Earnings Low	2.91	5.54	5.87	16.11	17.34	3.58	2.47	7.44	11.26	3.99	11.15	- -
Price/Book Value	0.28	0.37	0.35	0.61	0.54	0.46	0.5	0.46	0.38	0.22	0.56	- -
Price/Book Value Average	0.25	0.36	0.35	0.49	0.62	0.45	0.41	0.46	0.34	0.3	0.42	- -
Price/Book Value High	0.44	0.39	0.37	0.67	0.74	0.5	0.5	0.51	0.47	0.36	0.6	- -
Price/Book Value Low	0.22	0.27	0.34	0.33	0.53	0.4	0.34	0.42	0.31	0.22	0.21	- -
Price/Tangible Book Value	0.24	0.32	0.31	0.55	0.49	0.41	0.44	0.4	0.61	0.3	0.77	- -
Price/Tangible Book Value Average	0.21	0.31	0.31	0.44	0.57	0.4	0.36	0.4	0.54	0.41	0.58	- -
Price/Tangible Book Value High	0.37	0.34	0.33	0.6	0.67	0.45	0.44	0.44	0.76	0.5	0.83	- -
Price/Tangible Book Value Low	0.18	0.23	0.3	0.3	0.48	0.36	0.29	0.37	0.5	0.3	0.29	- -
Price/Sales	0.4	0.53	0.53	0.92	0.83	0.67	0.58	0.68	0.6	0.27	0.83	- -
Price/Sales Average	0.36	0.51	0.52	0.74	0.96	0.66	0.47	0.68	0.53	0.37	0.62	- -
Price/Sales High	0.62	0.56	0.55	1.01	1.13	0.73	0.58	0.74	0.74	0.45	0.89	- -
Price/Sales Low	0.31	0.38	0.5	0.5	0.81	0.58	0.39	0.62	0.49	0.27	0.32	- -
Price/Cash Flow	- -	- -	8.97	31.02	- -	4.23	-6.79	7.55	5.42	1.15	4.59	- -
Price/Cash Flow Average	- -	- -	8.78	24.79	- -	4.16	-5.5	7.56	4.82	1.57	3.42	- -
Price/Cash Flow High	- -	- -	9.41	33.93	- -	4.61	-6.79	8.24	6.72	1.91	4.91	- -
Price/Cash Flow Low	- -	- -	8.54	16.73	- -	3.69	-4.54	6.87	4.48	1.15	1.75	- -
Price/Free Cash Flow Average	- -	- -	3.93	3.03	- -	3.6	-9.3	2.37	2.31	1.1	2.82	- -
Price/Free Cash Flow High	- -	- -	4.21	4.14	- -	3.99	-11.48	2.58	3.23	1.34	4.05	- -
Price/Free Cash Flow Low	- -	- -	3.82	2.04	- -	3.19	-7.67	2.15	2.15	0.81	1.44	- -
EV/Sales Average	0.63	1.81	0.34	2.35	2.04	- -	- -	- -	1.23	2.11	1.49	3.06
EV/Sales High	0.89	1.86	0.38	2.62	2.21	- -	- -	- -	1.44	2.19	1.76	3.06
EV/Sales Low	0.58	1.67	0.33	2.11	1.89	- -	- -	- -	1.2	2.01	1.19	3.06
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	12.77	17.99	18.02	32	29	27.5	35	33	26.6	16	42	37.93
High Price	20	19	18.9	35	39.5	30	35	36	33	26.6	45	45.99
Enterprise Value Average	12	37	7	49	43	-55	-72	-34	36	81	49	98
Enterprise Value High	17	38	8	55	46	-53	-68	-32	42	84	58	98
Enterprise Value Low	11	34	7	44	39	-56	-75	-36	34	77	39	98

	2014 Y	2015 Y	2016 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
Diluted Weighted Avg Shares	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	- -
Revenue per Share	32.23	34.04	34.12	34.7	34.9	41.16	60.12	48.77	44.65	59.3	50.73	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.43	2.3	2.92	1.07	1.63	6.71	9.46	4.04	1.95	4.01	1.44	- -
Basic EPS from Cont Ops	3.67	2.54	3.19	1.11	1.67	6.75	9.5	4.08	2.14	4.2	2.81	- -
Diluted EPS, GAAP	3.43	2.3	2.92	1.07	1.63	6.71	9.46	4.04	1.95	4.01	1.44	- -
Diluted EPS from Cont Ops	3.67	2.54	3.19	1.11	1.67	6.75	9.5	4.08	2.14	4.2	2.81	- -
Dividend per Share	- -	- -	0.27	0.14	- -	0.16	0.29	0.2	0.35	0.39	1.61	- -
Cash Flow per Share	- -	- -	2.01	1.03	- -	6.51	-5.16	4.37	4.91	13.95	9.16	- -
Free Cash Flow per Basic Share	- -	- -	-0.47	-6.39	- -	5.49	-7.26	-5.21	-0.4	8.05	7.2	- -
Cash & Equivalents per Share	40.72	28.74	33.36	31.19	38.9	119.11	150.26	109.06	114.89	81.88	101.85	- -
Book Value per Share	45.89	48.18	51.07	52.07	53.73	60.36	69.65	71.19	69.97	73.28	74.48	- -
Tangible Book Value per Share	54.28	55.56	57.42	57.93	58.64	66.89	79.48	81.67	43.68	52.75	54.33	- -

IBW Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)