JSB Financial Inc. Financial Ratios — JFWV Stock

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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 (%)	- -	10.35	10.63	10.07	11.49	11.32	8.41	10.73	9.98
Return on Assets (%)	- -	0.83	0.88	0.82	0.89	0.87	0.63	0.79	0.76
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	22.56	27.68	29.95	29.13	33.81	32.03	26.12	31.98	29.83
Profit Margin (%)	14.08	22.74	24.05	23.41	27.65	26.32	21.68	25.66	23.92
Net Income to Common Margin (%)	14.08	22.74	24.05	23.41	27.65	26.32	21.68	25.66	23.92
Effective Tax Rate (%)	37.57	17.84	19.7	19.64	18.24	17.81	17	19.79	19.84
Dvd Payout Ratio (%)	22.69	16.27	23.46	18.45	15.9	15.71	20.89	15.05	16.08
Sustainable Growth Rate (%)	- -	8.67	8.13	8.21	9.67	9.54	6.65	9.12	8.38

Credit (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	1	21	10	- -	- -	21	46	8	2
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	1	21	10	- -	- -	21	46	8	2
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	7.92	8.13	8.44	7.81	7.61	7.75	7.29	7.45	7.73
Long-Term Debt/Equity (%)	2.79	87.7	35.66	- -	- -	95.02	184.79	26.42	5.67
Long-Term Debt/Capital (%)	2.66	44.98	26.29	- -	- -	37.44	55.82	16.56	4.57
Long-Term Debt/Total Assets (%)	0.22	6.64	3.01	- -	- -	4.64	9.21	1.48	0.37
Total Debt/Equity (%)	2.79	87.7	35.66	- -	- -	95.02	184.79	26.42	5.67
Total Debt/Capital (%)	2.66	44.98	26.29	- -	- -	37.44	55.82	16.56	4.57
Total Debt/Total Assets (%)	0.22	6.64	3.01	- -	- -	4.64	9.21	1.48	0.37
Net Debt to Equity	-21.65	-17.54	-13.69	-40.52	-48.4	-19.03	-37.08	-89.67	-84.09
Net Debt/Capital (%)	-25.95	-9.89	-11.23	-73.12	-96.49	-8.11	-12.61	-128.41	-210.95
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	7.92	8.13	8.44	7.81	7.61	7.75	7.29	7.45	7.73
Long-Term Debt/Equity (%)	2.79	87.7	35.66	- -	- -	95.02	184.79	26.42	5.67
Long-Term Debt/Capital (%)	2.66	44.98	26.29	- -	- -	37.44	55.82	16.56	4.57
Long-Term Debt/Total Assets (%)	0.22	6.64	3.01	- -	- -	4.64	9.21	1.48	0.37
Total Debt/Equity (%)	2.79	87.7	35.66	- -	- -	95.02	184.79	26.42	5.67
Total Debt/Capital (%)	2.66	44.98	26.29	- -	- -	37.44	55.82	16.56	4.57
Total Debt/Total Assets (%)	0.22	6.64	3.01	- -	- -	4.64	9.21	1.48	0.37
CFO/Total Liabilities	1.15	1.18	1.42	1.21	1.19	1.13	0.88	1.12	0.83
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.17	0.2	0.19	0.17	0.17	0.16	0.15	0.15	0.16

Working Capital (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	19	28	26	24	28	20	20	23	27
- Cash & Cash Equivalents	5	4	4	13	16	4	9	27	31
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	1	21	10	- -	- -	21	46	8	2
Enterprise Value	15	45	32	11	12	37	57	4	-2
Total Capital	24	46	37	30	32	57	83	48	46
Total Debt/Capital (%)	2.66	44.98	26.29	- -	- -	37.44	55.82	16.56	4.57
Total Debt / EV	0.04	0.46	0.31	- -	- -	0.58	0.82	2.13	-0.9
EV/Sales	1.44	4.04	2.73	0.91	0.9	2.5	4.03	0.23	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	4.67	13.24	7.52	2.65	2.49	7.41	13.55	0.66	- -
EV/Free Cash Flow to Firm	4.67	13.24	7.52	2.65	2.49	7.41	13.55	0.66	- -
Diluted Market Cap	19	28	26	24	28	20	20	23	27
Diluted Enterprise Value	15	45	32	11	12	37	57	4	-2
EV per Share	51.75	158.58	113.56	40.02	42.3	133.24	207.5	14.44	- -
TTM Sales	10	11	12	12	13	15	14	16	17
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	3	4	4	5	5	4	6	4
TTM Free Cash Flow to Firm	3	3	4	4	5	5	4	6	4

Multiples (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	6.04	8.35	6.09	5.62	5.88	3.96	4.71	4	6.06
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	15	45	32	11	12	37	57	4	-2
Low Price	63	67	80.4	50.75	85	67.6	66.01	72.16	89
EV/Sales	1.44	4.04	2.73	0.91	0.9	2.5	4.03	0.23	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	13.22	11.21	9.18	8.25	7.73	5.08	6.47	5.54	6.37
Price/Earnings Average	12.71	8.82	8.65	7.86	7.56	6.57	6.79	5.34	6.4
Price/Earnings High	13.42	11.21	9.98	9.42	8.43	7.57	7.19	5.65	7.73
Price/Earnings Low	12.43	7.51	8.03	4.93	6.57	4.83	5.92	4.53	5.5
Price/Book Value	0.81	1.12	0.94	0.8	0.85	0.55	0.54	0.57	0.61
Price/Book Value Average	0.78	0.88	0.88	0.76	0.83	0.71	0.56	0.55	0.61
Price/Book Value High	0.82	1.12	1.02	0.91	0.93	0.82	0.6	0.58	0.74
Price/Book Value Low	0.76	0.75	0.82	0.48	0.72	0.52	0.49	0.46	0.53
Price/Tangible Book Value	0.83	1.2	0.94	0.77	0.84	0.87	0.79	0.76	0.72
Price/Tangible Book Value Average	0.8	0.94	0.88	0.73	0.82	1.13	0.83	0.73	0.72
Price/Tangible Book Value High	0.84	1.2	1.02	0.87	0.91	1.3	0.87	0.77	0.88
Price/Tangible Book Value Low	0.78	0.8	0.82	0.46	0.71	0.83	0.72	0.62	0.62
Price/Sales	1.86	2.55	2.21	1.93	2.14	1.34	1.4	1.42	1.52
Price/Sales Average	1.79	2	2.08	1.84	2.09	1.73	1.47	1.37	1.53
Price/Sales High	1.89	2.55	2.4	2.2	2.33	1.99	1.56	1.45	1.85
Price/Sales Low	1.75	1.71	1.93	1.15	1.82	1.27	1.28	1.16	1.32
Price/Cash Flow	6.04	8.35	6.09	5.62	5.88	3.96	4.71	4	6.06
Price/Cash Flow Average	5.81	6.57	5.74	5.35	5.75	5.12	4.94	3.87	6.08
Price/Cash Flow High	6.13	8.35	6.62	6.42	6.41	5.89	5.23	4.08	7.35
Price/Cash Flow Low	5.68	5.59	5.32	3.36	5	3.76	4.31	3.27	5.23
Price/Free Cash Flow Average	5.81	6.57	5.74	5.35	5.75	5.12	4.94	3.87	6.08
Price/Free Cash Flow High	6.13	8.35	6.62	6.42	6.41	5.89	5.23	4.08	7.35
Price/Free Cash Flow Low	5.68	5.59	5.32	3.36	5	3.76	4.31	3.27	5.23
EV/Sales Average	1.37	3.5	2.6	0.82	0.86	2.9	4.1	0.18	- -
EV/Sales High	1.47	4.04	2.92	1.18	1.1	3.16	4.19	0.26	0.19
EV/Sales Low	1.33	3.2	2.45	0.13	0.58	2.44	3.91	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	67	100	92	85	100	71.21	72.16	88.25	103
High Price	68	100	100	97	109	106	80.15	90.01	125
Enterprise Value Average	14	39	30	10	11	42	57	3	-2
Enterprise Value High	15	45	34	15	14	46	59	4	3
Enterprise Value Low	13	35	28	2	8	36	55	- -	-6

Shares Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	35.99	39.24	41.66	44	46.79	53.21	51.43	62.14	67.63
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	5.07	8.92	10.02	10.3	12.93	14.01	11.15	15.94	16.17
Basic EPS from Cont Ops	5.07	8.92	10.02	10.3	12.93	14.01	11.15	15.94	16.17
Diluted EPS, GAAP	5.07	8.92	10.02	10.3	12.93	14.01	11.15	15.94	16.17
Diluted EPS from Cont Ops	5.07	8.92	10.02	10.3	12.93	14.01	11.15	15.94	16.17
Dividend per Share	1.15	1.45	2.35	1.9	2.06	2.2	2.33	2.4	2.6
Cash Flow per Share	11.09	11.98	15.1	15.12	17.01	17.99	15.31	22.04	17
Free Cash Flow per Basic Share	11.09	11.98	15.1	15.12	17.01	17.99	15.31	22.04	17
Cash & Equivalents per Share	17.5	14.65	13.44	44.98	57.7	15.54	33.97	104.63	120.05
Book Value per Share	82.69	89.58	98.11	106.5	117.5	129.62	133.99	155.29	168.86
Tangible Book Value per Share	80.85	83.51	98.16	111.02	119.2	81.64	91.63	116.68	142.76

JSB Financial Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)