KS Bancorp, Inc. Financial Ratios — KSBI Stock

Profitability (USD)

	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	9.53	12.91	8.43	7.84	7.79	6.86	9.64	13.11	16.51	15.28	18.29	19.16	13.52	11.95	16.11
Return on Assets (%)	0.86	1.37	0.87	0.75	0.71	0.59	0.68	0.8	1.06	0.98	1.15	1.35	1.07	0.94	1.24
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	7.51	4.21	3.11	2.53	2.06	2.65	3.31	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.77	50.66	38.68	31.21	32.15	26.75	23.04	27.04	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	46.33	33.59	26.98	26.28	20.81	23.04	27.04	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	49.75	175.11	294.22	-8.95	12.31	-85.15	38.56	58.44	-66.67	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.33	46.33	33.59	26.98	26.28	20.81	23.04	27.04	29.35	31	37.55	40.43	33.39	31.63	37.56
Profit Margin (%)	22.62	28.5	20.66	16.96	16.94	14.83	16.97	19.52	23.1	24.25	29.67	31.91	26.45	23.97	29.14
Net Income to Common Margin (%)	22.62	28.5	20.66	16.96	16.94	14.83	16.97	19.52	23.1	24.25	29.67	31.91	26.45	23.97	29.14
Effective Tax Rate (%)	39.4	38.48	38.49	37.15	35.53	28.73	26.35	27.83	21.29	21.76	20.98	21.06	20.78	24.22	22.41
Dvd Payout Ratio (%)	59.21	36.59	53.03	54.8	52.96	59.38	- -	- -	10.34	10.14	10.18	10.55	16.95	18.53	- -
Sustainable Growth Rate (%)	3.89	8.19	3.96	3.54	3.67	2.79	9.64	13.11	14.81	13.73	16.43	17.14	11.23	9.74	16.11

Credit (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	6	16	17	35	40	48	45	54	46	47	43	26	23	11	11
ST Debt	6	16	17	35	6	11	- -	16	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	34	37	45	38	46	47	43	26	23	11	11
Total Debt/EBITDA	24.44	4.46	6.53	14.16	15.08	20.59	19.61	17.94	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-0.52	3.79	3.43	11.05	13.16	17.68	15.31	15.89	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	4.88	7.52	16.38	18.45	26.46	19.61	17.94	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	4.15	3.95	12.78	16.1	22.72	15.31	15.89	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.76	10.45	10.17	9.12	9.2	8.05	6.1	6.09	6.6	6.29	6.31	7.84	7.99	7.82	7.56
Long-Term Debt/Equity (%)	- -	- -	- -	- -	182.48	196.09	287.93	219.79	172.39	147.55	118.02	81.42	57.43	24.83	20.14
Long-Term Debt/Capital (%)	- -	- -	- -	- -	57.82	55.41	73.81	52.95	63.44	60.71	54.54	38.01	32.17	17.23	15.32
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	16.82	15.66	17.2	13.27	11.46	9.73	7.57	4.8	3.79	1.63	1.37
Total Debt/Equity (%)	38.86	99.73	100	198.74	215.86	253.17	287.93	314.25	172.39	147.55	118.02	81.42	57.43	24.83	20.14
Total Debt/Capital (%)	28.64	49.8	50.2	66.64	68.39	71.54	73.81	75.71	63.44	60.71	54.54	38.01	32.17	17.23	15.32
Total Debt/Total Assets (%)	4.32	10.37	10.25	18.21	19.9	20.22	17.2	18.97	11.46	9.73	7.57	4.8	3.79	1.63	1.37
Net Debt to Equity	-0.82	84.79	52.54	155.13	188.34	217.4	224.72	278.41	-47.42	-87.28	-326.07	-39.77	-48.04	-35.42	-64.91
Net Debt/Capital (%)	-0.86	45.76	34.62	60.93	65.37	68.34	68.75	73.41	-21.14	-56.03	297.33	-22.8	-36.81	-32.59	-97.52
EBITDA	- -	4	3	2	3	2	2	3	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	4	3	2	3	2	2	3	-1	-1	-1	-1	-2	-3	- -
Operating Income (Loss)	- -	3	2	2	2	2	2	3	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 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	10.76	10.45	10.17	9.12	9.2	8.05	6.1	6.09	6.6	6.29	6.31	7.84	7.99	7.82	7.56
Long-Term Debt/Equity (%)	- -	- -	- -	- -	182.48	196.09	287.93	219.79	172.39	147.55	118.02	81.42	57.43	24.83	20.14
Long-Term Debt/Capital (%)	- -	- -	- -	- -	57.82	55.41	73.81	52.95	63.44	60.71	54.54	38.01	32.17	17.23	15.32
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	16.82	15.66	17.2	13.27	11.46	9.73	7.57	4.8	3.79	1.63	1.37
Total Debt/Equity (%)	38.86	99.73	100	198.74	215.86	253.17	287.93	314.25	172.39	147.55	118.02	81.42	57.43	24.83	20.14
Total Debt/Capital (%)	28.64	49.8	50.2	66.64	68.39	71.54	73.81	75.71	63.44	60.71	54.54	38.01	32.17	17.23	15.32
Total Debt/Total Assets (%)	4.32	10.37	10.25	18.21	19.9	20.22	17.2	18.97	11.46	9.73	7.57	4.8	3.79	1.63	1.37
CFO/Total Liabilities	1.71	0.67	1.59	0.23	1.97	1.03	- -	- -	1.08	1.22	1.38	1.63	1.25	1.28	- -
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	3.44	4.13	8.2	6.8	2.89	2.5	- -
Altman's Z-Score	0.21	0.28	0.26	0.24	0.24	0.2	0.2	0.23	0.18	0.16	0.19	0.21	0.2	0.19	0.19

Working Capital (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	11.69	6.88	6.18	7.74	8.36	8.45	8.06	7.53	19.39	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	31.23	53.03	59.08	47.17	43.68	43.21	45.28	48.49	18.82	- -	- -	- -	- -	- -	- -
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)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	16	15	17	19	23	22	24	34	31	29	64	52	54	54	66
- Cash & Cash Equivalents	6	2	8	8	5	7	10	6	13	28	119	13	19	16	36
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	6	16	17	35	40	48	45	54	46	47	43	26	23	11	11
Enterprise Value	16	28	26	46	58	63	59	82	64	49	-12	65	58	49	41
Total Capital	21	32	33	52	59	67	61	72	73	78	79	69	72	65	73
Total Debt/Capital (%)	28.64	49.8	50.2	66.64	68.39	71.54	73.81	75.71	63.44	60.71	54.54	38.01	32.17	17.23	15.32
Total Debt / EV	0.39	0.56	0.65	0.75	0.69	0.76	0.76	0.66	0.72	0.97	-3.61	0.4	0.4	0.23	0.28
EV/Sales	3.02	4.03	3.88	5.87	7.03	7.27	5.92	7.34	4.09	2.7	- -	2.74	2.46	1.91	1.26
EV/EBITDA	63.36	7.96	10.03	18.82	21.87	27.19	25.68	27.15	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	8.71	11.55	21.76	26.75	34.95	25.68	27.15	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	7.34	30.81	11.01	114	16.16	28.26	- -	- -	15.82	8.8	- -	7.76	8.07	5.95	- -
EV/Free Cash Flow to Firm	7.34	30.81	11.01	114	16.16	28.26	- -	- -	12.26	7.09	- -	6.76	5.99	4.25	- -
Diluted Market Cap	17	15	17	20	24	22	24	34	31	29	64	52	54	54	66
Diluted Enterprise Value	17	29	26	47	59	63	59	82	64	49	-12	65	58	49	41
EV per Share	11.47	20.16	18.48	32.69	40.17	52.84	44.94	62.82	58.23	43.94	- -	58.62	52.18	44.42	36.67
TTM Sales	5	7	7	8	8	9	10	11	16	18	21	24	23	26	32
TTM EBITDA	- -	4	3	2	3	2	2	3	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	3	2	2	2	2	2	3	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	1	2	- -	4	2	- -	- -	4	6	7	8	7	8	- -
TTM Free Cash Flow to Firm	2	1	2	- -	4	2	- -	- -	5	7	8	10	10	12	- -

Multiples (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	8.07	16.51	7.43	48.27	6.54	9.88	- -	- -	5.88	4.27	7.79	5.37	5.6	4.66	- -
EV/EBIT	- -	8.71	11.55	21.76	26.75	34.95	25.68	27.15	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	16	28	26	46	58	63	59	82	64	49	-12	65	58	49	41
Low Price	10.88	8.16	9.6	12	13.2	15.6	17.25	18.15	25	22	25.11	44.05	45.5	45	48
EV/Sales	3.02	4.03	3.88	5.87	7.03	7.27	5.92	7.34	4.09	2.7	- -	2.74	2.46	1.91	1.26
EV/EBITDA	63.36	7.96	10.03	18.82	21.87	27.19	25.68	27.15	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	13.48	7.42	12.36	14.29	16.53	17.15	14.08	15.6	8.5	6.71	10.55	6.82	8.71	8.77	7.01
Price/Earnings Average	13.18	7.3	13.6	14.66	15.18	15.42	14.71	14.71	8.03	6.22	6.68	7.26	8.94	9.12	6.33
Price/Earnings High	14.93	8.09	15.5	15.93	20.66	17.82	19.2	18.56	8.51	8.09	10.55	8.65	10.5	9.71	7.07
Price/Earnings Low	12.69	5.73	9.76	12.71	13.64	14.48	13.38	10.87	7.6	5.57	4.57	6.46	8.13	8.09	5.68
Price/Book Value	1.05	0.93	1.02	1.1	1.25	1.16	1.49	1.96	1.16	0.96	1.78	1.2	1.1	1	1.06
Price/Book Value Average	1.03	0.91	1.12	1.12	1.15	1.04	1.56	1.84	1.1	0.89	1.13	1.28	1.13	1.04	0.95
Price/Book Value High	1.16	1.01	1.28	1.22	1.56	1.21	2.03	2.33	1.16	1.16	1.78	1.53	1.33	1.11	1.06
Price/Book Value Low	0.99	0.72	0.8	0.97	1.03	0.98	1.42	1.36	1.04	0.8	0.77	1.14	1.03	0.92	0.86
Price/Tangible Book Value	1.02	0.93	1.01	1.09	1.25	1.17	1.52	1.97	1.15	0.92	1.75	1.6	1.34	1.19	1.18
Price/Tangible Book Value Average	0.99	0.92	1.11	1.12	1.14	1.05	1.59	1.86	1.09	0.85	1.11	1.7	1.37	1.24	1.06
Price/Tangible Book Value High	1.12	1.02	1.27	1.22	1.56	1.21	2.08	2.35	1.16	1.1	1.75	2.03	1.61	1.32	1.18
Price/Tangible Book Value Low	0.96	0.72	0.8	0.97	1.03	0.99	1.45	1.37	1.03	0.76	0.76	1.51	1.25	1.1	0.95
Price/Sales	3.05	2.11	2.55	2.42	2.8	2.54	2.39	3.04	1.96	1.63	3.13	2.18	2.3	2.1	2.04
Price/Sales Average	2.98	2.08	2.81	2.49	2.57	2.29	2.5	2.87	1.85	1.51	1.98	2.32	2.37	2.19	1.84
Price/Sales High	3.38	2.31	3.2	2.7	3.5	2.64	3.26	3.62	1.97	1.96	3.13	2.76	2.78	2.33	2.06
Price/Sales Low	2.87	1.63	2.02	2.16	2.31	2.15	2.27	2.12	1.76	1.35	1.35	2.06	2.15	1.94	1.66
Price/Cash Flow	7.4	16.14	7.24	47.05	6.43	9.88	- -	- -	7.59	5.31	8.74	6.15	7.54	6.53	- -
Price/Cash Flow Average	7.24	15.89	7.97	48.25	5.91	8.89	- -	- -	7.18	4.93	5.53	6.55	7.74	6.79	- -
Price/Cash Flow High	8.2	17.61	9.08	52.45	8.04	10.27	- -	- -	7.61	6.4	8.74	7.81	9.09	7.23	- -
Price/Cash Flow Low	6.97	12.47	5.72	41.85	5.31	8.34	- -	- -	6.79	4.41	3.78	5.83	7.03	6.03	- -
Price/Free Cash Flow Average	7.89	16.26	8.17	49.5	6.01	8.89	- -	- -	5.56	3.97	4.93	5.71	5.75	4.85	- -
Price/Free Cash Flow High	8.93	18.01	9.31	53.82	8.18	10.27	- -	- -	5.89	5.15	7.79	6.81	6.75	5.16	- -
Price/Free Cash Flow Low	7.59	12.76	5.86	42.94	5.4	8.34	- -	- -	5.26	3.55	3.37	5.08	5.22	4.3	- -
EV/Sales Average	2.96	4	4.14	5.93	6.8	7.02	6.02	7.17	3.98	2.58	- -	2.88	2.53	2	1.07
EV/Sales High	3.35	4.23	4.53	6.15	7.73	7.37	6.79	7.92	4.09	3.03	- -	3.33	2.94	2.14	1.28
EV/Sales Low	2.84	3.55	3.34	5.61	6.54	6.88	5.8	6.42	3.88	2.42	- -	2.63	2.31	1.75	0.88
EV/EBITDA Average	61.94	7.9	10.7	19.02	21.16	26.23	26.14	26.51	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	70.21	8.34	11.71	19.71	24.05	27.56	29.45	29.29	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	59.6	7.02	8.64	17.96	20.35	25.71	25.16	23.73	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	8.64	12.32	21.99	25.88	33.71	26.14	26.51	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	9.12	13.48	22.8	29.41	35.42	29.45	29.29	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	7.67	9.95	20.77	24.89	33.04	25.16	23.73	- -	- -	- -	- -	- -	- -	- -
Last Price	11.56	10.56	12.16	13.49	16	18.48	18.15	26.05	27.95	26.5	58	46.5	48.75	48.75	59.25
High Price	12.8	11.52	15.25	15.04	20	19.2	24.75	31	28	31.95	58	59	58.8	54	59.75
Enterprise Value Average	15	28	28	47	56	61	60	80	63	47	-36	68	59	51	34
Enterprise Value High	17	30	30	48	64	64	67	89	65	55	-12	79	69	55	41
Enterprise Value Low	15	25	22	44	54	60	58	72	61	44	-48	62	54	45	28

	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	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	1	1	1	1
Revenue per Share	3.79	5	4.76	5.57	5.71	7.27	7.6	8.56	14.24	16.29	18.53	21.37	21.17	23.2	28.99
EBITDA per Share	0.18	2.53	1.84	1.74	1.84	1.94	1.75	2.31	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	2.31	1.6	1.5	1.5	1.51	1.75	2.31	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.86	1.42	0.98	0.94	0.97	1.08	1.29	1.67	3.29	3.95	5.5	6.82	5.6	5.56	8.45
Basic EPS from Cont Ops	0.86	1.42	0.98	0.94	0.97	1.08	1.29	1.67	3.29	3.95	5.5	6.82	5.6	5.56	8.45
Diluted EPS, GAAP	0.79	1.39	0.96	0.92	0.95	1.08	1.29	1.67	3.29	3.95	5.5	6.82	5.6	5.56	8.45
Diluted EPS from Cont Ops	0.79	1.39	0.96	0.92	0.95	1.08	1.29	1.67	3.29	3.95	5.5	6.82	5.6	5.56	8.45
Dividend per Share	0.51	0.52	0.52	0.52	0.51	0.64	- -	- -	0.34	0.4	0.56	0.72	0.95	1.03	- -
Cash Flow per Share	1.56	0.65	1.68	0.29	2.49	1.87	- -	- -	3.68	4.99	6.64	7.56	6.47	7.47	- -
Free Cash Flow per Basic Share	1.56	0.65	1.68	0.29	2.49	1.87	- -	- -	2.61	3.78	5.83	6.44	4.23	4.47	- -
Cash & Equivalents per Share	4.52	1.69	5.71	5.4	3.53	5.65	7.54	4.73	11.49	25.25	107.84	11.57	17.54	14.49	32.73
Book Value per Share	11.02	11.38	11.93	12.31	12.81	15.92	12.18	13.32	24.07	27.63	32.54	38.64	44.21	48.79	56.14
Tangible Book Value per Share	11.38	11.32	12.03	12.38	12.84	15.81	11.92	13.21	24.23	28.94	33.07	29.09	36.51	40.9	50.43

KS Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)