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
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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 (%)	- -	4.19	5.16	1.86	2.79	10.69	12.92	5.1	3.21	8.32	2.68	-3.55
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 (%)	- -	4.63	5.16	1.68	2.87	10.49	12.58	4.89	2.93	7.91	2.24	-3.76

Credit (USD)

Credit Ratios API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	8.88	8.59	8.99	8.21	8.09	7.53	8.48	8.08	3.8	4.56	4.49	5.01
Long-Term Debt/Equity (%)	59.64	93.69	45.47	146.81	127.42	- -	- -	- -	- -	19.45	- -	37.17
Long-Term Debt/Capital (%)	37.36	48.37	31.26	59.48	56.03	- -	- -	- -	- -	16.28	- -	27.1
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 (%)	37.36	48.37	31.26	59.48	56.03	- -	- -	- -	- -	16.28	- -	27.1
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 (%)	-64.57	-28.82	-64.92	-27.4	-40.38	231.8	214.84	1,730.06	-152.99	-52.53	-103.12	-33.31
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	-1	-4	- -	-1	-1	-6	-3	-4	-1	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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	8.88	8.59	8.99	8.21	8.09	7.53	8.48	8.08	3.8	4.56	4.49	5.01
Long-Term Debt/Equity (%)	59.64	93.69	45.47	146.81	127.42	- -	- -	- -	- -	19.45	- -	37.17
Long-Term Debt/Capital (%)	37.36	48.37	31.26	59.48	56.03	- -	- -	- -	- -	16.28	- -	27.1
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 (%)	37.36	48.37	31.26	59.48	56.03	- -	- -	- -	- -	16.28	- -	27.1
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	0.16	0.15	0.16	0.15	0.15	0.14	0.17	0.17	0.14	0.15	0.15	0.14

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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)

Enterprise Value API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	21	17	10	27	24
- 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	5	27	-4	34	23	-71	-89	-33	37	77	56	123
Total Capital	63	77	51	87	81	40	48	64	123	154	130	185
Total Debt/Capital (%)	37.36	48.37	31.26	59.48	56.03	- -	- -	- -	- -	16.28	- -	27.1
Total Debt / EV	4.41	1.41	-4.39	1.54	2.01	- -	- -	- -	- -	0.32	- -	0.41
EV/Sales	0.27	1.3	0.35	1.61	1.08	- -	- -	- -	1.3	2.01	1.7	3.82
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	5.97	54.19	- -	- -	- -	- -	11.81	8.54	9.44	36.26
EV/Free Cash Flow to Firm	- -	- -	2.67	6.61	- -	- -	- -	- -	5.67	6	7.78	28.45
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	- -	- -	11.98	- -	- -	- -	- -	- -	58.01	119.13	86.45	190.26
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)

Valuation Multiples API ChatGPT

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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	- -	- -	4.01	3.78	- -	3.66	-11.48	2.37	2.6	0.81	3.78	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	5	27	-4	34	23	-71	-89	-33	37	77	56	123
Low Price	10	12.77	17.15	17.26	28.28	24	23.4	30.01	22	16	16	34.11
EV/Sales	0.27	1.3	0.35	1.61	1.08	- -	- -	- -	1.3	2.01	1.7	3.82
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	- -	- -	- -	- -	- -	- -	- -	0.42	0.61	0.3	0.77	0.61
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	0.42	0.54	0.41	0.58	0.64
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	0.46	0.76	0.5	0.83	0.74
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	0.38	0.5	0.3	0.29	0.55
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	0.42	0.61	0.3	0.77	0.61
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	0.42	0.54	0.41	0.58	0.64
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	0.46	0.76	0.5	0.83	0.74
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	0.38	0.5	0.3	0.29	0.55
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	0.27	1.3	0.34	1.61	1.08	- -	- -	- -	1.23	2.11	1.49	3.85
EV/Sales High	0.27	1.3	0.38	1.61	1.08	- -	- -	- -	1.44	2.19	1.76	3.98
EV/Sales Low	0.27	1.3	0.33	1.61	1.08	- -	- -	- -	1.2	2.01	1.19	3.74
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	5	27	-4	34	23	-71	-89	-33	36	81	49	124
Enterprise Value High	5	27	-4	34	23	-71	-89	-31	42	84	58	128
Enterprise Value Low	5	27	-4	34	23	-71	-89	-35	34	77	39	120

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	- -	- -	- -	- -	- -	- -	- -	104.45	114.89	81.88	101.85	71.39
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	78.22	43.68	52.75	54.33	61.99
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	78.22	43.68	52.75	54.33	61.99

IBW Financial Corporation