Lyons Bancorp Inc. Financial Ratios — LYBC Stock

Profitability (USD)

	2006 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	12/31/2006	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 (%)	- -	22.53	14.67	13.69	15.61	15.62	13.32	18.23	17.77	15.77	12.64	15.86
Return on Assets (%)	- -	1.22	0.83	0.81	0.95	0.98	0.79	1.02	1.02	0.96	0.82	1.07
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	25.15	2.92	3.11	2.72	2.73	2.55	2.44	2.34	2.24	2.15	2.06	1.55
Operating Margin (%)	18.77	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-16.96	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	18.77	30.66	28.58	29.94	28.62	27.8	22.9	31.95	34.65	36.86	32.19	37.5
Profit Margin (%)	14.81	22.02	20.59	19.8	22.38	22.67	18.84	25.65	27.28	28.36	24.78	29.13
Net Income to Common Margin (%)	14.81	22.02	20.59	19.18	21.82	22.15	18.38	25.23	26.88	27.95	24.39	28.8
Effective Tax Rate (%)	21.11	28.14	27.9	33.82	21.75	18.41	17.72	19.7	21.25	23.05	23.02	22.3
Dvd Payout Ratio (%)	36.11	31.17	39.22	42.28	36.17	35.64	39	21.75	26.83	29.13	33.23	27.99
Sustainable Growth Rate (%)	- -	15.51	8.91	7.9	9.96	10.05	8.13	14.27	13	11.17	8.44	11.42

Credit (USD)

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	2006 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	12/31/2006	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	8	9	6	6	6	6	21	21	21	21	21	16
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	8	9	6	6	6	6	21	21	21	21	21	16
Total Debt/EBITDA	2.1	9.07	5.4	5.63	5.08	5	15.71	14.74	14.77	15.88	16.31	13.94
Net Debt/EBITDA	-0.98	-21.38	-22.88	-24.61	-24.58	-25.19	-30.32	-18.35	-14.14	-27.58	-36.41	-98.65
Total Debt/EBIT	2.81	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-1.32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.69	5.71	5.65	5.75	6.06	6.2	5.5	5.49	5.79	6.24	6.51	6.79
Long-Term Debt/Equity (%)	37.23	15.11	8.99	8.38	7.93	7.13	21.88	19.06	23.94	20.19	18.08	11.13
Long-Term Debt/Capital (%)	34.62	15.17	10.27	9.44	8.62	7.89	21.06	18.96	17.07	15.35	14.3	10.1
Long-Term Debt/Total Assets (%)	2.48	1.02	0.65	0.6	0.57	0.53	1.47	1.29	1.19	1.13	1.09	0.76
Total Debt/Equity (%)	37.23	15.11	8.99	8.38	7.93	7.13	21.88	19.06	23.94	20.19	18.08	11.13
Total Debt/Capital (%)	34.62	15.17	10.27	9.44	8.62	7.89	21.06	18.96	17.07	15.35	14.3	10.1
Total Debt/Total Assets (%)	2.48	1.02	0.65	0.6	0.57	0.53	1.47	1.29	1.19	1.13	1.09	0.76
Net Debt to Equity	-17.4	-35.64	-38.08	-36.62	-38.38	-35.91	-42.25	-23.73	-22.92	-35.06	-40.36	-78.73
Net Debt/Capital (%)	-32.88	-72.92	-94.02	-83.71	-83.96	-75.92	-106.16	-41.09	-24.53	-45.95	-59.41	-388.47
EBITDA	4	1	1	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	4	-4	1	-3	-1	- -	-3	1	1	1	1	- -
Operating Income (Loss)	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2006 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	12/31/2006	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	4.69	5.71	5.65	5.75	6.06	6.2	5.5	5.49	5.79	6.24	6.51	6.79
Long-Term Debt/Equity (%)	37.23	15.11	8.99	8.38	7.93	7.13	21.88	19.06	23.94	20.19	18.08	11.13
Long-Term Debt/Capital (%)	34.62	15.17	10.27	9.44	8.62	7.89	21.06	18.96	17.07	15.35	14.3	10.1
Long-Term Debt/Total Assets (%)	2.48	1.02	0.65	0.6	0.57	0.53	1.47	1.29	1.19	1.13	1.09	0.76
Total Debt/Equity (%)	37.23	15.11	8.99	8.38	7.93	7.13	21.88	19.06	23.94	20.19	18.08	11.13
Total Debt/Capital (%)	34.62	15.17	10.27	9.44	8.62	7.89	21.06	18.96	17.07	15.35	14.3	10.1
Total Debt/Total Assets (%)	2.48	1.02	0.65	0.6	0.57	0.53	1.47	1.29	1.19	1.13	1.09	0.76
CFO/Total Liabilities	4.63	1.53	0.45	1.26	1.54	0.7	1.55	1.9	1.17	0.52	0.82	1.28
CFO/CapEx	- -	2.28	11.02	2.83	7.44	5.28	4.38	69.87	32.17	38.79	28.84	25.7
Altman's Z-Score	0.17	0.18	0.18	0.19	0.2	0.2	0.17	0.17	0.18	0.17	0.17	0.18

Working Capital (USD)

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	2006 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	12/31/2006	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	- -	3.43	3.45	3.38	3.51	3.12	2.82	2.94	2.29	1.69	3.28	- -
Days Sales Outstanding	- -	106.51	105.86	107.99	104.04	116.82	129.22	124.27	159.35	216.15	111.31	- -
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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	2006 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	12/31/2006	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	14	93	98	113	131	127	127	140	188	144	140	160
- Cash & Cash Equivalents	12	30	32	33	36	37	61	47	41	57	68	128
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	8	9	6	6	6	6	21	21	21	21	21	16
Enterprise Value	10	-67	-71	-120	-84	-110	-192	-241	-140	-193	-189	-48
Total Capital	24	58	60	66	72	78	99	110	123	136	146	156
Total Debt/Capital (%)	34.62	15.17	10.27	9.44	8.62	7.89	21.06	18.96	17.07	15.35	14.3	10.1
Total Debt / EV	0.87	-0.13	-0.09	-0.05	-0.07	-0.06	-0.11	-0.09	-0.15	-0.11	-0.11	-0.33
EV/Sales	0.6	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.18	- -
EV/EBITDA	2.4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	3.22	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.66	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	0.66	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	14	99	100	118	136	131	132	145	195	149	145	165
Diluted Enterprise Value	10	78	74	91	106	100	91	119	175	112	98	54
EV per Share	3.73	- -	- -	- -	- -	- -	- -	- -	- -	- -	41	- -
TTM Sales	16	33	37	40	45	49	55	61	63	61	62	73
TTM EBITDA	4	1	1	1	1	1	1	1	1	1	1	1
TTM Operating Income	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	15	12	4	12	15	8	21	29	19	9	15	25
TTM Free Cash Flow to Firm	15	18	4	16	18	9	25	29	20	9	15	26

Multiples (USD)

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	2006 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	12/31/2006	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	0.92	5.56	22.9	7.17	7.74	14.69	5.19	4.96	9.7	15.97	9.46	6.46
EV/EBIT	3.22	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	10	-67	-71	-120	-84	-110	-192	-241	-140	-193	-189	-48
Low Price	4.67	11.37	28	31.36	33.4	37.25	32	39.01	43.2	41.5	37.25	39
EV/Sales	0.6	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.18	- -
EV/EBITDA	2.4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	5.75	12.58	12.97	14.6	13.42	11.76	12.66	9.16	11.09	8.4	9.2	7.58
Price/Earnings Average	8.63	6.2	12.61	15.49	12.34	11.96	11.42	9.01	9.81	10.03	8.92	6.73
Price/Earnings High	11.92	14.2	13.21	18.51	16.32	22.19	17.09	10.61	11.7	11.6	9.61	7.79
Price/Earnings Low	5.11	4.61	11.58	12.9	10.9	11.02	10.13	8.27	8.71	8.3	8.36	6.29
Price/Book Value	0.85	1.87	1.82	1.91	1.99	1.75	1.62	1.57	1.85	1.25	1.12	1.14
Price/Book Value Average	1.28	0.92	1.77	2.03	1.83	1.78	1.46	1.54	1.64	1.49	1.08	1.01
Price/Book Value High	1.77	2.11	1.86	2.42	2.43	3.31	2.19	1.81	1.95	1.72	1.17	1.17
Price/Book Value Low	0.76	0.69	1.63	1.69	1.62	1.64	1.3	1.42	1.45	1.23	1.01	0.94
Price/Tangible Book Value	0.6	1.58	1.43	1.53	1.68	1.46	1.33	1.28	2.15	1.39	1.21	1.13
Price/Tangible Book Value Average	0.9	0.78	1.39	1.63	1.54	1.48	1.2	1.26	1.9	1.65	1.17	1
Price/Tangible Book Value High	1.24	1.78	1.46	1.94	2.04	2.75	1.79	1.48	2.27	1.91	1.26	1.16
Price/Tangible Book Value Low	0.53	0.58	1.28	1.36	1.36	1.37	1.06	1.15	1.69	1.37	1.1	0.93
Price/Sales	0.85	2.77	2.67	2.8	2.93	2.61	2.33	2.31	2.98	2.35	2.24	2.18
Price/Sales Average	1.28	1.37	2.6	2.97	2.69	2.65	2.1	2.27	2.64	2.8	2.18	1.94
Price/Sales High	1.77	3.13	2.72	3.55	3.56	4.92	3.14	2.68	3.14	3.24	2.34	2.24
Price/Sales Low	0.76	1.02	2.38	2.47	2.38	2.44	1.86	2.09	2.34	2.32	2.04	1.81
Price/Cash Flow	0.92	7.49	24.62	9.35	8.46	16.84	6.15	4.85	9.66	15.83	9.46	6.49
Price/Cash Flow Average	1.39	3.69	23.95	9.92	7.78	17.12	5.54	4.77	8.55	18.89	9.18	5.76
Price/Cash Flow High	1.92	8.45	25.08	11.86	10.29	31.77	8.3	5.61	10.19	21.86	9.89	6.67
Price/Cash Flow Low	0.82	2.75	21.98	8.26	6.88	15.78	4.92	4.38	7.59	15.64	8.6	5.39
Price/Free Cash Flow Average	1.39	2.74	22.28	7.61	7.12	14.94	4.68	4.88	8.58	19.06	9.17	5.73
Price/Free Cash Flow High	1.92	6.28	23.33	9.09	9.42	27.72	7.01	5.74	10.23	22.06	9.88	6.64
Price/Free Cash Flow Low	0.82	2.04	20.45	6.33	6.29	13.77	4.15	4.48	7.62	15.78	8.59	5.36
EV/Sales Average	1.03	0.74	1.89	2.3	2.02	2.01	1.36	1.85	2.32	2.21	1.43	0.41
EV/Sales High	1.52	2.5	2.01	2.88	2.89	4.28	2.4	2.25	2.83	2.65	1.6	0.72
EV/Sales Low	0.51	0.39	1.67	1.81	1.71	1.8	1.12	1.66	2.03	1.73	1.29	0.29
EV/EBITDA Average	4.1	25.38	60.78	84.82	74.14	78.83	55.7	78.77	103.37	102.57	69.42	26.64
EV/EBITDA High	6.04	85.64	64.73	106.13	106.01	167.81	98.48	95.94	125.98	123.03	77.59	46.46
EV/EBITDA Low	2.03	13.42	53.9	66.49	62.67	70.69	46.02	70.82	90.24	80.2	62.7	18.53
EV/EBIT Average	5.49	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	8.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	2.72	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	5.25	31	31.36	35.5	41.1	39.75	40	43.2	55	42	41	47
High Price	10.89	35	31.95	45.01	50	75	54	50	58	58	42.85	48.3
Enterprise Value Average	16	25	70	93	90	98	74	112	146	135	89	30
Enterprise Value High	24	84	74	117	129	208	131	136	178	162	100	53
Enterprise Value Low	8	13	62	73	76	87	61	100	128	106	81	21

Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	4	4	4	4
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3
Revenue per Share	6.17	11.19	11.75	12.68	14.04	15.25	17.19	18.68	18.44	17.89	18.28	21.52
EBITDA per Share	1.55	0.33	0.36	0.34	0.38	0.39	0.42	0.44	0.41	0.39	0.38	0.33
Operating Income per Share	1.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.91	2.46	2.42	2.43	3.06	3.38	3.16	4.71	4.96	5	4.46	6.2
Basic EPS from Cont Ops	0.91	2.47	2.42	2.51	3.14	3.46	3.24	4.79	5.03	5.07	4.53	6.27
Diluted EPS, GAAP	0.91	2.31	2.38	2.34	2.95	3.26	3.04	4.55	4.79	4.83	4.31	5.99
Diluted EPS from Cont Ops	0.91	2.31	2.38	2.42	3.03	3.33	3.12	4.62	4.86	4.9	4.38	6.06
Dividend per Share	0.33	0.77	0.95	1.11	1.19	1.28	1.31	1.1	1.4	1.53	1.55	1.81
Cash Flow per Share	5.68	4.14	1.27	3.8	4.86	2.36	6.51	8.91	5.69	2.65	4.33	7.24
Free Cash Flow per Basic Share	5.68	2.33	1.16	2.45	4.2	1.91	5.02	8.78	5.51	2.58	4.18	6.96
Cash & Equivalents per Share	4.78	56.26	55.85	75.08	69.43	76.27	107.18	124.05	102.22	104.4	102.56	65.86
Book Value per Share	6.16	16.57	17.21	18.58	20.61	22.67	24.68	27.56	29.7	33.72	36.72	41.29
Tangible Book Value per Share	8.76	19.63	21.92	23.14	24.53	27.27	30.1	33.84	25.54	30.3	33.92	41.72

Lyons Bancorp Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)