Katahdin Bankshares Corp. Financial Ratios — KTHN Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	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 (%)	23.58	11.68	9.59	8.98	8.94	8.55	7.19	12.19	13.41	14.8	13.12	12.14	11.29	8.54	10.55
Return on Assets (%)	0.99	0.79	0.63	0.65	0.7	0.66	0.56	0.9	0.99	1.06	1.01	1.01	0.98	0.76	0.97
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.82	3.84	4.9	5.57	5.6	6.26	6.43	6.1	3.65	3.06	3.12	3.13	3.02	3.31	2.61
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.03	23.98	22.16	23.43	25.83	22.62	23.84	29.26	30.72	29.46	32.27	32.11	30.82	24.92	29.7
Profit Margin (%)	19.33	17.8	15.28	16.15	17.47	16.3	14.57	23.46	25.08	26.62	26.48	26.44	25.29	20.63	24.11
Net Income to Common Margin (%)	17.32	17.24	14.79	14.04	14.16	13.34	11.64	20.61	23.62	26.62	26.48	26.44	25.29	20.63	24.11
Effective Tax Rate (%)	28.5	25.74	31.05	31.07	32.36	27.91	38.9	19.8	18.37	9.64	17.92	17.67	17.94	17.24	18.82
Dvd Payout Ratio (%)	27.96	29.64	35.86	30.91	34.92	34.58	38.82	22.75	19.45	16.42	17.37	18.59	19.66	27.59	24.02
Sustainable Growth Rate (%)	16.99	8.22	6.15	6.2	5.82	5.59	4.4	9.41	10.8	12.37	10.84	9.89	9.07	6.18	8.01

Credit (USD)

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	2011 Y	2012 Y	2013 Y	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	45	35	25	40	28	29	73	66	59	34	23	23	32	45	44
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	45	35	25	40	28	29	73	66	59	34	23	23	32	45	44
Total Debt/EBITDA	49.48	36.75	19.93	27.07	18.13	15.84	38.11	35.52	49.85	31.43	20.51	19.93	26.66	34.48	38.47
Net Debt/EBITDA	37.95	22.29	8.17	18.71	10.64	9.71	30.83	26.23	35.21	-20.67	-35.81	-6.53	4.23	-8.66	2.18
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.57	6.54	6.19	6.35	6.38	6.28	6.23	6.76	7.09	7.29	8.09	8.54	8.85	9.01	9.41
Long-Term Debt/Equity (%)	80.9	59.51	41.74	55.89	44.81	45.46	109.59	93.47	85.98	45.08	27.41	28.84	35.91	48.61	42.91
Long-Term Debt/Capital (%)	49.4	41.56	32.53	38.69	33.89	33.91	55.23	50.84	49.53	33.47	23.14	21.47	25.63	31.43	29.66
Long-Term Debt/Total Assets (%)	8.45	6.01	3.81	5.96	3.98	3.88	9.21	8.27	6.96	3.67	2.44	2.34	3.05	4.13	3.97
Total Debt/Equity (%)	80.9	59.51	41.74	55.89	44.81	45.46	109.59	93.47	85.98	45.08	27.41	28.84	35.91	48.61	42.91
Total Debt/Capital (%)	49.4	41.56	32.53	38.69	33.89	33.91	55.23	50.84	49.53	33.47	23.14	21.47	25.63	31.43	29.66
Total Debt/Total Assets (%)	8.45	6.01	3.81	5.96	3.98	3.88	9.21	8.27	6.96	3.67	2.44	2.34	3.05	4.13	3.97
Net Debt to Equity	62.05	36.09	17.11	38.63	26.3	27.88	88.65	69.02	60.72	-29.64	-47.84	-9.45	5.7	-12.2	2.43
Net Debt/Capital (%)	42.81	30.13	16.51	30.37	23.13	23.93	49.95	43.3	40.94	-49.42	-110.73	-9.85	5.19	-12.3	2.23
EBITDA	1	1	1	1	2	2	2	2	1	1	1	1	1	1	1
EBITDA-CapEx	-1	-3	-1	- -	1	1	1	1	1	- -	- -	-2	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	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	6.57	6.54	6.19	6.35	6.38	6.28	6.23	6.76	7.09	7.29	8.09	8.54	8.85	9.01	9.41
Long-Term Debt/Equity (%)	80.9	59.51	41.74	55.89	44.81	45.46	109.59	93.47	85.98	45.08	27.41	28.84	35.91	48.61	42.91
Long-Term Debt/Capital (%)	49.4	41.56	32.53	38.69	33.89	33.91	55.23	50.84	49.53	33.47	23.14	21.47	25.63	31.43	29.66
Long-Term Debt/Total Assets (%)	8.45	6.01	3.81	5.96	3.98	3.88	9.21	8.27	6.96	3.67	2.44	2.34	3.05	4.13	3.97
Total Debt/Equity (%)	80.9	59.51	41.74	55.89	44.81	45.46	109.59	93.47	85.98	45.08	27.41	28.84	35.91	48.61	42.91
Total Debt/Capital (%)	49.4	41.56	32.53	38.69	33.89	33.91	55.23	50.84	49.53	33.47	23.14	21.47	25.63	31.43	29.66
Total Debt/Total Assets (%)	8.45	6.01	3.81	5.96	3.98	3.88	9.21	8.27	6.96	3.67	2.44	2.34	3.05	4.13	3.97
CFO/Total Liabilities	1.62	1.43	1.63	1.26	0.99	1.35	1.09	1.37	1.15	1.58	1.36	1.28	1.17	1.03	1.22
CFO/CapEx	3.82	2.04	3.61	6.72	13.35	24.11	15.81	14.47	15.16	18.42	14.66	3.37	9.77	7.34	10.43
Altman's Z-Score	0.17	0.17	0.16	0.16	0.16	0.16	0.16	0.17	0.18	0.18	0.21	0.2	0.21	0.21	0.23

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	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)

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	2011 Y	2012 Y	2013 Y	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	28	29	30	30	30	35	45	44	60	55	77	68	69	80	92
- Cash & Cash Equivalents	10	14	15	12	12	11	14	17	17	57	63	31	27	51	37
+ Preferred Equity and Hybrid Capital	11	11	11	21	10	10	10	10	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	45	35	25	40	28	29	73	66	59	34	23	23	32	45	44
Enterprise Value	21	10	-4	19	-16	-24	27	10	1	-62	-73	-86	-81	-76	-66
Total Capital	90	83	76	103	82	86	133	131	120	103	99	107	123	142	150
Total Debt/Capital (%)	49.4	41.56	32.53	38.69	33.89	33.91	55.23	50.84	49.53	33.47	23.14	21.47	25.63	31.43	29.66
Total Debt / EV	2.08	3.56	-5.58	2.09	-1.7	-1.2	2.73	6.55	59.12	-0.55	-0.31	-0.27	-0.39	-0.59	-0.67
EV/Sales	0.91	0.4	- -	0.72	- -	- -	0.9	0.33	0.03	- -	- -	- -	- -	- -	- -
EV/EBITDA	23.83	10.33	- -	12.97	- -	- -	13.93	5.42	0.84	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	2.8	1.31	- -	2.53	- -	- -	3.36	1.01	0.11	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	2.22	0.88	- -	2.2	- -	- -	3.16	0.94	0.1	- -	- -	- -	- -	- -	- -
Diluted Market Cap	28	29	30	30	30	35	45	44	60	55	77	68	69	80	92
Diluted Enterprise Value	73	61	51	78	56	63	114	103	101	32	37	61	74	73	99
EV per Share	6.33	2.86	- -	5.59	- -	- -	7.93	3.03	0.3	- -	- -	- -	- -	- -	- -
TTM Sales	24	24	25	26	28	30	30	31	33	36	36	37	39	39	44
TTM EBITDA	1	1	1	1	2	2	2	2	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	8	7	10	8	6	9	8	10	9	14	12	12	11	10	12
TTM Free Cash Flow to Firm	10	11	12	9	7	10	8	11	10	14	12	15	12	12	14

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	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	2.85	2.62	2.42	3.43	4.41	3.63	5.26	4.12	6.23	3.84	6.22	4.55	5.65	6.85	6.77
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	21	10	-4	19	-16	-24	27	10	1	-62	-73	-86	-81	-76	-66
Low Price	10.05	11.13	11	11.51	10.65	10.88	12.1	15.23	15.5	15.35	18.3	21.65	20	20.28	21.74
EV/Sales	0.91	0.4	- -	0.72	- -	- -	0.9	0.33	0.03	- -	- -	- -	- -	- -	- -
EV/EBITDA	23.83	10.33	- -	12.97	- -	- -	13.93	5.42	0.84	- -	- -	- -	- -	- -	- -
Price/Earnings	6.74	6.82	7.94	8.02	7.68	8.92	12.81	7.01	7.75	5.77	8.17	7	6.98	9.86	8.6
Price/Earnings Average	7.48	6.89	7.64	8.35	7.61	8.03	11.09	7.75	6.61	5.48	6.99	7.41	6.52	8.77	7.44
Price/Earnings High	12.45	10.84	11.32	11.97	10.17	11.65	15.52	10.64	9.52	7.28	8.88	9.1	7.39	10.2	8.79
Price/Earnings Low	8.34	8.94	10.04	10.6	9.3	9.39	11.74	8.06	6.71	5.32	6.36	7.3	6.5	8	6.45
Price/Book Value	0.79	0.77	0.74	0.7	0.67	0.74	0.9	0.82	0.99	0.8	1.02	0.81	0.76	0.82	0.87
Price/Book Value Average	0.88	0.77	0.71	0.73	0.66	0.67	0.78	0.9	0.84	0.76	0.87	0.86	0.71	0.73	0.75
Price/Book Value High	1.47	1.22	1.05	1.04	0.88	0.97	1.09	1.24	1.21	1.01	1.1	1.05	0.8	0.84	0.89
Price/Book Value Low	0.98	1	0.93	0.92	0.81	0.78	0.82	0.94	0.85	0.74	0.79	0.84	0.7	0.66	0.65
Price/Tangible Book Value	0.71	0.69	0.7	0.66	0.64	0.72	0.87	0.8	0.94	0.78	0.99	0.92	0.84	0.92	0.94
Price/Tangible Book Value Average	0.79	0.7	0.67	0.69	0.63	0.64	0.75	0.88	0.8	0.74	0.85	0.97	0.79	0.82	0.81
Price/Tangible Book Value High	1.32	1.1	0.99	0.99	0.84	0.93	1.05	1.21	1.16	0.98	1.08	1.19	0.89	0.95	0.96
Price/Tangible Book Value Low	0.88	0.91	0.88	0.87	0.77	0.75	0.79	0.92	0.81	0.72	0.77	0.96	0.78	0.75	0.7
Price/Sales	1.17	1.18	1.17	1.13	1.09	1.19	1.49	1.44	1.83	1.54	2.16	1.85	1.76	2.03	2.07
Price/Sales Average	1.3	1.19	1.13	1.17	1.08	1.07	1.29	1.6	1.56	1.46	1.85	1.96	1.65	1.81	1.79
Price/Sales High	2.16	1.87	1.67	1.68	1.44	1.55	1.81	2.19	2.25	1.94	2.35	2.41	1.87	2.1	2.12
Price/Sales Low	1.44	1.54	1.48	1.49	1.32	1.25	1.37	1.66	1.59	1.42	1.68	1.93	1.64	1.65	1.55
Price/Cash Flow	3.59	3.89	3.08	3.94	4.74	3.78	5.59	4.4	6.64	4.05	6.64	5.9	6.23	7.78	7.42
Price/Cash Flow Average	3.98	3.93	2.97	4.11	4.69	3.41	4.84	4.87	5.66	3.84	5.69	6.24	5.82	6.92	6.41
Price/Cash Flow High	6.63	6.19	4.39	5.88	6.27	4.94	6.77	6.68	8.16	5.11	7.22	7.67	6.59	8.05	7.58
Price/Cash Flow Low	4.44	5.1	3.9	5.21	5.73	3.99	5.12	5.06	5.75	3.73	5.17	6.15	5.8	6.31	5.56
Price/Free Cash Flow Average	3.16	2.65	2.33	3.57	4.36	3.27	4.55	4.56	5.31	3.64	5.32	4.81	5.28	6.09	5.85
Price/Free Cash Flow High	5.26	4.16	3.44	5.12	5.83	4.75	6.37	6.25	7.65	4.84	6.76	5.91	5.98	7.08	6.92
Price/Free Cash Flow Low	3.53	3.43	3.06	4.53	5.33	3.83	4.82	4.74	5.39	3.54	4.84	4.74	5.26	5.56	5.07
EV/Sales Average	3.21	2.49	1.97	3	2.02	2.01	3.6	3.52	2.85	0.83	0.73	1.75	1.78	1.65	1.96
EV/Sales High	4.07	3.17	2.51	3.5	2.39	2.49	4.12	4.12	3.54	1.31	1.23	2.2	2	1.94	2.28
EV/Sales Low	3.36	2.85	2.32	3.31	2.26	2.19	3.68	3.58	2.87	0.78	0.57	1.72	1.77	1.49	1.72
EV/EBITDA Average	84.08	64.91	40.13	53.78	36.17	32.11	56.03	57.75	77.97	27.02	23.48	55.92	58.86	49.79	75.12
EV/EBITDA High	106.64	82.65	51.22	62.89	42.66	39.82	64.05	67.5	96.82	42.73	39.46	70.2	66.11	58.71	87.67
EV/EBITDA Low	88	74.1	47.36	59.44	40.45	35	57.21	58.79	78.61	25.68	18.1	55	58.63	45.01	65.96
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.12	8.49	8.7	8.71	8.8	10.33	13.21	13.24	17.9	16.64	23.51	20.77	21.48	25	29
High Price	15	13.5	12.4	13	11.65	13.5	16	20.1	22	21	25.55	27	22.75	25.85	29.65
Enterprise Value Average	76	61	50	79	56	59	108	108	93	30	26	64	70	64	87
Enterprise Value High	96	78	63	92	66	74	123	126	115	47	44	81	78	76	101
Enterprise Value Low	79	70	58	87	62	65	110	110	93	28	20	63	69	58	76

	2011 Y	2012 Y	2013 Y	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	3	3	3	3	3	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	3	3	3	3
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Revenue per Share	6.96	7.22	7.41	7.74	8.09	8.69	8.86	9.17	9.78	10.84	10.87	11.22	12.17	12.29	13.98
EBITDA per Share	0.27	0.28	0.36	0.43	0.45	0.54	0.57	0.56	0.36	0.33	0.34	0.35	0.37	0.41	0.36
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.21	1.25	1.1	1.09	1.15	1.16	1.03	1.89	2.31	2.88	2.88	2.97	3.08	2.53	3.37
Basic EPS from Cont Ops	1.34	1.29	1.13	1.25	1.41	1.42	1.29	2.15	2.45	2.88	2.88	2.97	3.08	2.53	3.37
Diluted EPS, GAAP	1.2	1.24	1.09	1.09	1.15	1.16	1.03	1.89	2.31	2.88	2.88	2.97	3.08	2.53	3.37
Diluted EPS from Cont Ops	1.34	1.28	1.13	1.25	1.41	1.42	1.29	2.15	2.45	2.88	2.88	2.97	3.08	2.53	3.37
Dividend per Share	0.48	0.41	0.43	0.5	0.67	0.66	0.66	0.69	0.59	0.47	0.5	0.55	0.61	0.7	0.81
Cash Flow per Share	2.26	2.18	2.82	2.21	1.86	2.73	2.36	3.01	2.7	4.11	3.54	3.52	3.45	3.21	3.91
Free Cash Flow per Basic Share	1.67	1.11	2.04	1.88	1.72	2.62	2.21	2.8	2.52	3.89	3.3	2.48	3.1	2.77	3.54
Cash & Equivalents per Share	18.17	19.06	20.47	20.84	24.69	29	29.9	33.04	35.4	45.82	52.7	54.11	56.34	62.99	63.84
Book Value per Share	10.22	11.1	11.77	12.44	13.17	13.92	14.67	16.22	18.14	20.7	23.13	25.65	28.44	30.6	33.24
Tangible Book Value per Share	11.36	12.25	12.47	13.2	13.84	14.44	15.23	16.61	19.03	21.41	23.72	22.61	25.56	27.1	30.91

Katahdin Bankshares Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)