Lake Ridge Bancorp Inc. Financial Ratios — LRBI Stock

Profitability (USD)

	2007 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
As of date	12/31/2007	12/31/2012	12/31/2013	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 (%)	- -	7.82	6.97	9.17	10.27	13.45	12.87	16.55	13	16.76	17.88	28.06	25.58	11.05	18.42
Return on Assets (%)	- -	0.35	0.35	0.51	0.61	0.82	0.82	1.13	0.84	0.97	1.08	0.66	0.57	0.49	0.9
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 (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.88	10.67	11.13	21.68	24.14	32.32	32.92	34.9	25.9	27.89	32.18	23.87	22.05	17.93	28.78
Profit Margin (%)	21.29	7.52	9.14	13.31	15.78	21.29	19.91	26.11	19.9	21.5	24.75	18.39	17.9	16.79	25.54
Net Income to Common Margin (%)	21.29	7.52	9.14	13.31	15.78	21.29	19.91	26.11	19.9	21.5	24.75	18.39	17.9	16.79	25.54
Effective Tax Rate (%)	23.64	29.56	17.85	38.62	34.61	34.1	39.54	25.17	23.16	22.91	23.1	22.96	18.85	6.35	11.27
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.18	19.14	12.37
Sustainable Growth Rate (%)	- -	7.82	6.97	9.17	10.27	13.45	12.87	16.55	13	16.76	17.88	28.06	19.39	8.93	16.14

Credit (USD)

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	2007 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
As of date	12/31/2007	12/31/2012	12/31/2013	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	37	56	50	50	56	45	39	87	55	87	54	164	245	226	220
ST Debt	37	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	56	50	50	56	45	39	87	55	87	54	164	245	226	220
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	4.15	4.65	5.36	5.87	6.03	6.21	6.5	7.11	5.95	5.66	6.4	- -	4.38	4.57	5.13
Long-Term Debt/Equity (%)	- -	108.95	97.29	86.71	91.53	66.71	52.69	105.28	52.19	70.92	40.21	68.73	96.48	85.7	73.45
Long-Term Debt/Capital (%)	- -	59.56	55.31	52.79	53.66	45.15	38.88	55.21	41.39	48.8	33.5	100	65.02	61.15	56.64
Long-Term Debt/Total Assets (%)	- -	6.84	6.63	6.56	6.98	5.11	4.13	8.76	4.2	5.39	3.22	5.68	8.13	7.2	6.71
Total Debt/Equity (%)	65.61	108.95	97.29	86.71	91.53	66.71	52.69	105.28	52.19	70.92	40.21	68.73	96.48	85.7	73.45
Total Debt/Capital (%)	58.28	59.56	55.31	52.79	53.66	45.15	38.88	55.21	41.39	48.8	33.5	100	65.02	61.15	56.64
Total Debt/Total Assets (%)	5.8	6.84	6.63	6.56	6.98	5.11	4.13	8.76	4.2	5.39	3.22	5.68	8.13	7.2	6.71
Net Debt to Equity	36.95	-205.68	-64.8	-61.06	-78.46	-52.71	-28.55	-26.54	-24.92	-59.37	-107.24	-29.56	-20.06	-21.7	-14.15
Net Debt/Capital (%)	44.04	904.45	-58.33	-59.17	-85.17	-55.45	-26.69	-16.17	-24.63	-69.05	-838.87	-75.44	-15.64	-18.32	-12.25
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2	-2	-3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2007 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
As of date	12/31/2007	12/31/2012	12/31/2013	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	4.15	4.65	5.36	5.87	6.03	6.21	6.5	7.11	5.95	5.66	6.4	- -	4.38	4.57	5.13
Long-Term Debt/Equity (%)	- -	108.95	97.29	86.71	91.53	66.71	52.69	105.28	52.19	70.92	40.21	68.73	96.48	85.7	73.45
Long-Term Debt/Capital (%)	- -	59.56	55.31	52.79	53.66	45.15	38.88	55.21	41.39	48.8	33.5	100	65.02	61.15	56.64
Long-Term Debt/Total Assets (%)	- -	6.84	6.63	6.56	6.98	5.11	4.13	8.76	4.2	5.39	3.22	5.68	8.13	7.2	6.71
Total Debt/Equity (%)	65.61	108.95	97.29	86.71	91.53	66.71	52.69	105.28	52.19	70.92	40.21	68.73	96.48	85.7	73.45
Total Debt/Capital (%)	58.28	59.56	55.31	52.79	53.66	45.15	38.88	55.21	41.39	48.8	33.5	100	65.02	61.15	56.64
Total Debt/Total Assets (%)	5.8	6.84	6.63	6.56	6.98	5.11	4.13	8.76	4.2	5.39	3.22	5.68	8.13	7.2	6.71
CFO/Total Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.41	0.68	1.34
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.48	10.44	11.85
Altman's Z-Score	0.18	0.13	0.14	0.14	0.15	0.16	0.17	0.2	0.16	0.15	0.17	0.03	0.13	0.13	0.15

Working Capital (USD)

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	2007 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
As of date	12/31/2007	12/31/2012	12/31/2013	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	- -	18.87	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	19.34	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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

	2007 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
As of date	12/31/2007	12/31/2012	12/31/2013	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	75	32	38	29	34	48	56	85	91	70	103	- -	187	187	232
- Cash & Cash Equivalents	16	105	33	35	48	35	21	22	26	73	144	71	51	57	42
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	37	56	50	50	56	45	39	87	55	87	54	164	245	226	220
Enterprise Value	96	-17	54	44	42	58	74	150	120	84	13	94	381	355	410
Total Capital	64	94	91	94	105	99	100	157	134	178	161	164	377	369	388
Total Debt/Capital (%)	58.28	59.56	55.31	52.79	53.66	45.15	38.88	55.21	41.39	48.8	33.5	100	65.02	61.15	56.64
Total Debt / EV	0.39	-3.25	0.92	1.13	1.35	0.78	0.53	0.58	0.46	1.04	4.23	1.75	0.64	0.64	0.54
EV/Sales	3.72	- -	1.82	1.5	1.38	1.77	1.97	3.6	2.47	1.27	0.18	1.15	4.05	3.92	3.64
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	34.08	18.11	10.27
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	28.82	16.53	9.47
Diluted Market Cap	75	32	38	29	34	48	56	85	91	70	103	- -	187	187	232
Diluted Enterprise Value	96	-17	54	44	42	58	74	150	120	84	13	94	381	355	410
EV per Share	129.42	- -	56.43	45.78	43.37	59.77	76.42	155.23	116.04	77.33	11.8	- -	193.59	180.82	208.17
TTM Sales	26	34	30	29	30	33	37	42	49	66	72	82	94	91	112
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11	20	40
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13	21	43

Multiples (USD)

API ChatGPT

	2007 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
As of date	12/31/2007	12/31/2012	12/31/2013	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.14	8.68	5.37
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	96	-17	54	44	42	58	74	150	120	84	13	94	381	355	410
Low Price	94	39	39	27	29.7	35	50	58	77.05	63	64.25	95	95	95	90
EV/Sales	3.72	- -	1.82	1.5	1.38	1.77	1.97	3.6	2.47	1.27	0.18	1.15	4.05	3.92	3.64
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	13.65	12.79	13.73	7.53	7.04	6.93	7.52	7.82	9.4	4.89	5.79	- -	11.1	12.28	8.09
Price/Earnings Average	13.56	16.87	13.73	8.28	6.63	6.75	7.24	6.26	9.01	5.7	5.35	- -	11.1	12.28	7.6
Price/Earnings High	13.65	22.95	13.73	9.63	7.04	8.32	7.52	7.82	9.4	9.51	6.4	- -	11.1	12.28	8.57
Price/Earnings Low	12.71	12.79	13.73	6.67	5.98	4.85	6.49	5.15	8.23	4.79	3.92	- -	11.1	12.28	6.17
Price/Book Value	2.8	0.85	0.93	0.66	0.69	0.88	0.92	1.21	1.16	0.76	0.96	- -	1.42	1.3	1.38
Price/Book Value Average	2.78	1.13	0.93	0.73	0.65	0.86	0.88	0.97	1.11	0.89	0.89	- -	1.42	1.3	1.3
Price/Book Value High	2.8	1.53	0.93	0.84	0.69	1.06	0.92	1.21	1.16	1.48	1.06	- -	1.42	1.3	1.46
Price/Book Value Low	2.6	0.85	0.93	0.58	0.59	0.62	0.79	0.8	1.01	0.75	0.65	- -	1.42	1.3	1.05
Price/Tangible Book Value	1.6	0.72	0.83	0.57	0.61	0.79	0.83	1.11	1.05	0.67	0.88	- -	1.03	0.94	0.96
Price/Tangible Book Value Average	1.59	0.96	0.83	0.63	0.57	0.77	0.8	0.89	1	0.78	0.82	- -	1.03	0.94	0.9
Price/Tangible Book Value High	1.6	1.3	0.83	0.73	0.61	0.94	0.83	1.11	1.05	1.3	0.98	- -	1.03	0.94	1.02
Price/Tangible Book Value Low	1.49	0.72	0.83	0.51	0.51	0.55	0.71	0.73	0.92	0.66	0.6	- -	1.03	0.94	0.73
Price/Sales	2.91	0.96	1.26	1	1.11	1.48	1.5	2.04	1.87	1.05	1.43	- -	1.99	2.06	2.07
Price/Sales Average	2.89	1.27	1.26	1.1	1.05	1.44	1.44	1.63	1.79	1.23	1.32	- -	1.99	2.06	1.94
Price/Sales High	2.91	1.73	1.26	1.28	1.11	1.77	1.5	2.04	1.87	2.05	1.58	- -	1.99	2.06	2.19
Price/Sales Low	2.71	0.96	1.26	0.89	0.94	1.03	1.29	1.35	1.64	1.03	0.97	- -	1.99	2.06	1.58
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.72	9.51	5.82
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.72	9.51	5.47
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.72	9.51	6.17
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.72	9.51	4.44
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.14	8.68	5.04
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.14	8.68	5.69
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.14	8.68	4.1
EV/Sales Average	3.7	- -	1.82	1.6	1.31	1.73	1.92	3.19	2.39	1.44	0.07	1.15	4.05	3.92	3.52
EV/Sales High	3.72	0.25	1.82	1.78	1.38	2.06	1.97	3.6	2.47	2.26	0.33	1.15	4.05	3.92	3.77
EV/Sales Low	3.52	- -	1.82	1.39	1.21	1.32	1.77	2.9	2.23	1.24	- -	1.15	4.05	3.92	3.15
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	101	39	39	30.5	35	50	58	88	88	64.25	95	95	95	95	117.98
High Price	101	70	39	39	35	60	58	88	88	125	105	95	95	95	125
Enterprise Value Average	95	-7	54	47	40	56	71	133	116	95	5	94	381	355	395
Enterprise Value High	96	9	54	52	42	67	74	150	120	150	24	94	381	355	423
Enterprise Value Low	91	-17	54	41	37	43	66	121	109	82	-21	94	381	355	354

Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	- -	- -	2	2
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	- -	2	2	2
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	- -	2	2	2
Revenue per Share	34.75	40.57	31.06	30.44	31.49	33.86	38.73	43.12	47.03	61.12	66.26	- -	47.84	46.08	57.12
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	7.4	3.05	2.84	4.05	4.97	7.21	7.71	11.26	9.36	13.14	16.4	- -	8.56	7.74	14.59
Basic EPS from Cont Ops	7.4	3.05	2.84	4.05	4.97	7.21	7.71	11.26	9.36	13.14	16.4	- -	8.56	7.74	14.59
Diluted EPS, GAAP	7.4	3.05	2.84	4.05	4.97	7.21	7.71	11.26	9.36	13.14	16.4	- -	8.56	7.74	14.59
Diluted EPS from Cont Ops	7.4	3.05	2.84	4.05	4.97	7.21	7.71	11.26	9.36	13.14	16.4	- -	8.56	7.74	14.59
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.07	1.48	1.8
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.68	9.99	20.27
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.65	9.03	18.56
Cash & Equivalents per Share	22.04	127.01	34.76	36.39	50.24	36.8	21.79	22.66	25.63	67.23	133.11	- -	25.89	29.1	21.52
Book Value per Share	36.11	45.69	42.16	46.21	50.62	56.59	63.2	72.93	76	84.28	99.07	- -	66.95	73	85.51
Tangible Book Value per Share	63.19	53.84	47.09	53.29	57.75	63.56	70.07	79.16	83.99	95.91	107.4	- -	92.66	101.19	122.74

Lake Ridge Bancorp Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)