JD Bancshares, Inc. Financial Ratios — JDVB Stock

Profitability (USD)

	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	12/31/2015	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 (%)	- -	12.1	8.69	12.38	10.99	8.35	12.37	12.88	6.64	13.02	11.37
Return on Assets (%)	- -	1.05	0.74	1.08	1.02	0.66	0.83	0.93	0.54	1.14	1.06
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	6.07	6.67	6.54	5.86	6.02	5.44	4.62	3.98	4.65	3.88	3.44
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	17.74	12.96	20.08	25.63	23.68	18.93	26.99	27.74	15.62	29.41	27.79
Profit Margin (%)	14.06	10.54	15.1	21.21	19.86	16.29	22.61	23.16	13.81	24.8	22.73
Net Income to Common Margin (%)	14.06	10.54	15.1	21.21	19.86	16.29	22.61	23.16	13.81	24.8	22.73
Effective Tax Rate (%)	20.74	18.66	24.81	17.26	16.11	13.98	16.21	16.49	11.58	15.65	18.19
Dvd Payout Ratio (%)	59.27	80.69	55.06	37.09	41.13	51.11	28.8	28.24	56.13	29.2	31.5
Sustainable Growth Rate (%)	- -	2.34	3.91	7.79	6.47	4.08	8.81	9.25	2.91	9.21	7.79

Credit (USD)

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	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	12/31/2015	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	- -	4	56	20	20	20	47	29	80	80	30
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	4	56	20	20	20	47	29	80	80	30
Total Debt/EBITDA	- -	1.39	20.62	7.85	7.44	8.35	20.85	14.15	35.9	37.37	15.22
Net Debt/EBITDA	- -	-16.08	3.43	-7.29	-8.19	-101.81	-65.52	-9.06	2.28	9.77	-21.64
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	8.69	8.38	9.11	9.5	6.87	6.6	7.94	8.41	9.16	9.42
Long-Term Debt/Equity (%)	- -	5.04	72.63	25.14	22.7	20.35	46.31	51.57	107.03	96.64	28.97
Long-Term Debt/Capital (%)	- -	5.04	43.25	20.54	19.35	18.49	34.36	23.07	44.34	42.12	20.13
Long-Term Debt/Total Assets (%)	- -	0.46	6.39	2.36	2.28	1.56	3.46	2.38	6.7	6.66	2.37
Total Debt/Equity (%)	- -	5.04	72.63	25.14	22.7	20.35	46.31	51.57	107.03	96.64	28.97
Total Debt/Capital (%)	- -	5.04	43.25	20.54	19.35	18.49	34.36	23.07	44.34	42.12	20.13
Total Debt/Total Assets (%)	- -	0.46	6.39	2.36	2.28	1.56	3.46	2.38	6.7	6.66	2.37
Net Debt to Equity	- -	-58.45	12.08	-23.35	-24.96	-248.22	-145.54	-33.01	6.79	25.27	-41.19
Net Debt/Capital (%)	- -	-160.22	11.25	-31.58	-35.83	156.56	255.13	-23.75	4.81	15.99	-55.88
EBITDA	2	3	3	3	3	2	2	2	2	2	2
EBITDA-CapEx	-1	- -	1	1	1	1	- -	-2	1	- -	-8
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	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	12/31/2015	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	- -	8.69	8.38	9.11	9.5	6.87	6.6	7.94	8.41	9.16	9.42
Long-Term Debt/Equity (%)	- -	5.04	72.63	25.14	22.7	20.35	46.31	51.57	107.03	96.64	28.97
Long-Term Debt/Capital (%)	- -	5.04	43.25	20.54	19.35	18.49	34.36	23.07	44.34	42.12	20.13
Long-Term Debt/Total Assets (%)	- -	0.46	6.39	2.36	2.28	1.56	3.46	2.38	6.7	6.66	2.37
Total Debt/Equity (%)	- -	5.04	72.63	25.14	22.7	20.35	46.31	51.57	107.03	96.64	28.97
Total Debt/Capital (%)	- -	5.04	43.25	20.54	19.35	18.49	34.36	23.07	44.34	42.12	20.13
Total Debt/Total Assets (%)	- -	0.46	6.39	2.36	2.28	1.56	3.46	2.38	6.7	6.66	2.37
CFO/Total Liabilities	- -	1.07	1.39	1.82	1.39	0.96	1.52	1.34	1.85	1.5	1.29
CFO/CapEx	3.44	2.67	7.13	6.91	7.33	6.54	7.95	4	17.07	8.09	1.48
Altman's Z-Score	- -	0.24	0.21	0.23	0.23	0.16	0.15	0.18	0.18	0.19	0.21

Working Capital (USD)

API ChatGPT

	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	12/31/2015	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	- -	29.33	14.61	15.26	14.15	10.55	10.34	11.02	9.63	11.11	11.28
Days Sales Outstanding	- -	12.44	24.99	23.91	25.8	34.6	35.29	33.12	37.9	32.84	32.35
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

	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	12/31/2015	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	96	98	86	82	86	85	95	96	86	84	107
- Cash & Cash Equivalents	- -	47	46	39	42	265	194	48	75	59	72
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	4	56	20	20	20	47	29	80	80	30
Enterprise Value	96	-23	-47	-64	-88	-485	-524	-365	-270	-235	-274
Total Capital	- -	74	128	99	104	109	136	128	179	189	148
Total Debt/Capital (%)	- -	5.04	43.25	20.54	19.35	18.49	34.36	23.07	44.34	42.12	20.13
Total Debt / EV	- -	-0.16	-1.19	-0.32	-0.23	-0.04	-0.09	-0.08	-0.3	-0.34	-0.11
EV/Sales	2.35	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	38.65	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	8.03	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	6.22	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	96	98	86	82	86	85	95	96	86	84	107
Diluted Enterprise Value	96	54	95	63	64	-160	-52	77	91	105	64
EV per Share	28.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	41	40	41	44	45	44	49	52	48	55	57
TTM EBITDA	2	3	3	3	3	2	2	2	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	12	8	11	14	11	11	19	16	21	17	15
TTM Free Cash Flow to Firm	16	11	13	16	13	13	21	20	22	19	25

Multiples (USD)

API ChatGPT

	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	12/31/2015	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	6.22	9.07	6.79	5.01	6.83	6.46	4.44	4.85	3.93	4.48	4.25
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	96	-23	-47	-64	-88	-485	-524	-365	-270	-235	-274
Low Price	23.64	23.64	23.64	23.18	24.09	21.36	21.01	26	23.89	19.61	23.57
EV/Sales	2.35	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	38.65	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	16.7	23	13.76	8.7	9.63	11.78	8.64	7.91	13.02	6.16	8.22
Price/Earnings Average	16.1	21.78	14.67	10.19	9.41	12.77	7.74	8.05	14.52	5.79	7.02
Price/Earnings High	17.51	23	15.69	11.48	9.76	14.76	16.19	8.47	18.19	6.31	8.43
Price/Earnings Low	14.03	19.08	13.02	8.44	8.39	10.17	6.54	7.34	12.42	4.93	6.24
Price/Book Value	- -	1.39	1.17	1.04	1.02	0.96	1.06	0.97	0.86	0.77	0.9
Price/Book Value Average	- -	1.32	1.25	1.21	1	1.04	0.95	0.99	0.96	0.72	0.77
Price/Book Value High	- -	1.39	1.34	1.37	1.04	1.2	1.99	1.04	1.2	0.78	0.92
Price/Book Value Low	- -	1.15	1.11	1.01	0.89	0.83	0.8	0.9	0.82	0.61	0.68
Price/Tangible Book Value	- -	1.41	1.19	1.07	1.02	0.9	0.98	1.81	1.22	1.07	1.08
Price/Tangible Book Value Average	- -	1.33	1.27	1.25	0.99	0.97	0.88	1.84	1.36	1.01	0.92
Price/Tangible Book Value High	- -	1.41	1.35	1.41	1.03	1.12	1.84	1.94	1.71	1.1	1.1
Price/Tangible Book Value Low	- -	1.17	1.12	1.03	0.89	0.77	0.74	1.68	1.16	0.86	0.82
Price/Sales	2.35	2.42	2.08	1.85	1.91	1.92	1.95	1.83	1.8	1.53	1.87
Price/Sales Average	2.26	2.3	2.21	2.16	1.87	2.08	1.75	1.86	2.01	1.44	1.6
Price/Sales High	2.46	2.42	2.37	2.43	1.94	2.4	3.66	1.96	2.51	1.56	1.92
Price/Sales Low	1.97	2.01	1.97	1.79	1.67	1.66	1.48	1.7	1.71	1.22	1.42
Price/Cash Flow	8.03	12.47	7.74	5.74	7.76	7.45	5	6.06	4.16	5.03	7.13
Price/Cash Flow Average	7.74	11.8	8.25	6.72	7.59	8.07	4.47	6.17	4.64	4.73	6.08
Price/Cash Flow High	8.42	12.47	8.82	7.56	7.86	9.33	9.37	6.5	5.81	5.15	7.31
Price/Cash Flow Low	6.75	10.34	7.32	5.57	6.76	6.43	3.78	5.63	3.96	4.03	5.41
Price/Free Cash Flow Average	6	8.59	7.23	5.87	6.68	7	3.97	4.94	4.38	4.21	3.63
Price/Free Cash Flow High	6.52	9.07	7.74	6.61	6.92	8.09	8.32	5.2	5.49	4.58	4.36
Price/Free Cash Flow Low	5.23	7.53	6.42	4.86	5.95	5.58	3.36	4.5	3.75	3.59	3.23
EV/Sales Average	2.26	1.22	2.44	1.73	1.38	- -	- -	1.5	2.11	1.82	0.85
EV/Sales High	2.46	1.35	2.59	2.01	1.45	- -	0.64	1.6	2.62	1.94	1.17
EV/Sales Low	1.97	0.94	2.19	1.36	1.17	- -	- -	1.34	1.82	1.6	0.67
EV/EBITDA Average	37.28	18.32	37.27	29.61	22.9	-63.6	-27.62	37.74	45.37	46.79	24.7
EV/EBITDA High	40.54	20.25	39.63	34.27	24.03	-57.64	13.79	40.2	56.28	50.07	34.03
EV/EBITDA Low	32.48	14.06	33.46	23.29	19.53	-71.38	-33.47	33.63	39.14	41.3	19.55
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	28.13	28.5	25	23.89	27.63	24.75	27.75	28	25.05	24.5	31.05
High Price	29.5	28.5	28.5	31.5	28	31	52	30	35	25.07	31.85
Enterprise Value Average	93	49	100	77	62	-153	-62	79	101	100	48
Enterprise Value High	101	54	107	89	65	-139	31	84	125	107	67
Enterprise Value Low	81	38	90	60	53	-172	-75	70	87	88	38

Shares Outstanding	- -	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3
Revenue per Share	11.98	11.76	12.03	12.94	14.45	12.9	14.2	15.29	13.93	16.02	16.62
EBITDA per Share	0.73	0.78	0.79	0.76	0.87	0.7	0.66	0.61	0.65	0.62	0.57
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.68	1.24	1.82	2.74	2.87	2.1	3.21	3.54	1.92	3.97	3.78
Basic EPS from Cont Ops	1.68	1.24	1.82	2.74	2.87	2.1	3.21	3.54	1.92	3.97	3.78
Diluted EPS, GAAP	1.68	1.24	1.82	2.74	2.87	2.1	3.21	3.54	1.92	3.97	3.78
Diluted EPS from Cont Ops	1.68	1.24	1.82	2.74	2.87	2.1	3.21	3.54	1.92	3.97	3.78
Dividend per Share	1	1	1	1.02	1.18	1.07	0.93	1	1.08	1.16	1.19
Cash Flow per Share	3.5	2.29	3.23	4.16	3.56	3.32	5.55	4.62	6.03	4.87	4.36
Free Cash Flow per Basic Share	2.49	1.43	2.78	3.56	3.08	2.81	4.85	3.46	5.67	4.27	1.41
Cash & Equivalents per Share	- -	36.31	54.9	48.43	62.27	172.15	194.21	143.41	127.17	116.18	119.53
Book Value per Share	- -	20.49	21.3	23.03	26.97	25.81	26.12	28.75	29.21	31.95	34.54
Tangible Book Value per Share	- -	20.22	21.04	22.41	27.16	27.57	28.3	15.49	20.52	22.83	28.84

JD Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)