MBT Bancshares, Inc. Financial Ratios — MBKL Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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 (%)	- -	6.38	7	6.7	10.68	6.81	9.25	10.01	8.5	10.69	8.98	14.43	14.15	13.89
Return on Assets (%)	- -	1.07	1.03	0.74	1.08	0.68	0.89	1.01	0.81	0.85	0.58	0.89	0.99	1.07
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	6.38	6.99	6.7	10.68	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	30.8	36.62	35.15	30.21	33.64	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	30.8	28.25	28.32	23.98	33.64	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	5.06	25.89	77.27	76.21	-492.81	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	30.8	28.25	28.32	23.98	33.64	17.53	23.46	25.57	22.79	27.36	20.13	27.84	31.55	32.24
Profit Margin (%)	20.44	18.8	18.81	16.88	22.3	14.02	18.36	20.57	18.36	21.84	16.43	22.3	25.07	25.29
Net Income to Common Margin (%)	20.44	18.8	18.81	16.88	22.3	14.02	18.36	20.57	18.36	21.84	16.43	22.3	25.07	25.29
Effective Tax Rate (%)	33.65	33.47	33.6	29.61	33.71	20.03	21.74	19.56	19.41	20.15	18.35	19.92	20.55	21.55
Dvd Payout Ratio (%)	- -	72.93	449.94	90.97	- -	83.55	59.35	52.04	57.35	43.74	58.43	38.82	34.41	30.09
Sustainable Growth Rate (%)	- -	1.73	-24.48	0.6	10.68	1.12	3.76	4.8	3.63	6.02	3.73	8.83	9.28	9.71

Credit (USD)

Credit Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	- -	- -	- -	- -	- -	15	- -	3	3	21	21	55	35	20
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	15	- -	3	3	21	21	55	35	20
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-2.13	-1.57	-1.97	-4.33	-3.33	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-2.13	-2.04	-2.45	-5.45	-3.33	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	16.98	16.66	12.79	9.61	10.69	9.46	9.76	10.36	8.84	7.26	5.67	6.68	7.26	8.19
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	40.73	- -	6.52	6	46.79	61.4	138.71	79.91	37.93
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	28.94	- -	6.12	5.66	31.88	38.04	58.11	44.42	27.5
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	3.85	- -	0.68	0.53	3.4	3.48	9.27	5.8	3.11
Total Debt/Equity (%)	- -	- -	- -	- -	- -	40.73	- -	6.52	6	46.79	61.4	138.71	79.91	37.93
Total Debt/Capital (%)	- -	- -	- -	- -	- -	28.94	- -	6.12	5.66	31.88	38.04	58.11	44.42	27.5
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	3.85	- -	0.68	0.53	3.4	3.48	9.27	5.8	3.11
Net Debt to Equity	-20.09	-19.51	-29.58	-52.47	-52.26	-31.27	-23.98	-47.89	-176.94	-418.97	-107.36	-37.37	-27.81	-41.42
Net Debt/Capital (%)	-25.13	-24.24	-42.01	-110.39	-109.45	-28.57	-31.54	-81.67	249.43	153.93	-198.64	-18.56	-18.28	-42.91
EBITDA	4	5	5	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	4	5	5	4	5	- -	- -	- -	- -	-1	-1	-1	-3	-3
Operating Income (Loss)	4	4	4	3	5	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	16.98	16.66	12.79	9.61	10.69	9.46	9.76	10.36	8.84	7.26	5.67	6.68	7.26	8.19
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	40.73	- -	6.52	6	46.79	61.4	138.71	79.91	37.93
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	28.94	- -	6.12	5.66	31.88	38.04	58.11	44.42	27.5
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	3.85	- -	0.68	0.53	3.4	3.48	9.27	5.8	3.11
Total Debt/Equity (%)	- -	- -	- -	- -	- -	40.73	- -	6.52	6	46.79	61.4	138.71	79.91	37.93
Total Debt/Capital (%)	- -	- -	- -	- -	- -	28.94	- -	6.12	5.66	31.88	38.04	58.11	44.42	27.5
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	3.85	- -	0.68	0.53	3.4	3.48	9.27	5.8	3.11
CFO/Total Liabilities	- -	1.76	1.66	0.49	- -	0.98	1.16	1.27	0.79	1.31	0.06	2.27	1.52	1.43
CFO/CapEx	- -	- -	- -	- -	- -	8.15	15.43	45.22	12.83	5.68	0.26	13.65	2.62	3.17
Altman's Z-Score	0.35	0.35	0.31	0.22	0.36	0.21	0.23	0.24	0.19	0.17	0.17	0.18	0.18	0.2

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	- -	27.19	12.99	8.15	8.88	22.57	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	13.43	28.1	44.78	41.1	16.17	- -	- -	- -	- -	- -	- -	- -	- -
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)

Enterprise Value API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	20	20	25	24	66	42	45	48	43	51	47	41	41	53
- Cash & Cash Equivalents	9	9	10	17	18	12	9	20	76	186	36	15	12	22
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	15	- -	3	3	21	21	55	35	20
Enterprise Value	11	12	15	7	48	45	36	31	-30	-114	32	81	64	51
Total Capital	44	44	34	33	35	52	38	44	46	65	54	94	80	74
Total Debt/Capital (%)	- -	- -	- -	- -	- -	28.94	- -	6.12	5.66	31.88	38.04	58.11	44.42	27.5
Total Debt / EV	- -	- -	- -	- -	- -	0.33	- -	0.09	-0.09	-0.18	0.65	0.68	0.55	0.4
EV/Sales	0.84	0.79	1.05	0.53	2.95	2.6	1.94	1.63	- -	- -	1.48	3.43	2.7	1.91
EV/EBITDA	2.73	2.17	2.99	1.74	8.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	2.73	2.81	3.71	2.2	8.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	3.05	3.97	4.56	- -	13.17	9.07	6.91	- -	- -	92.71	6.45	7.4	5.97
EV/Free Cash Flow to Firm	- -	3.05	3.97	4.56	- -	11.73	8.52	6.76	- -	- -	18.88	6.01	5.36	4.54
Diluted Market Cap	20	20	25	24	66	- -	45	48	43	51	47	41	41	53
Diluted Enterprise Value	11	12	15	7	48	3	36	31	-30	-114	32	81	64	51
EV per Share	5.53	5.78	7.45	3.43	23.54	22.2	17.84	15.23	- -	- -	15.42	39.6	31.33	25.09
TTM Sales	13	15	14	13	16	17	19	19	19	21	21	24	24	27
TTM EBITDA	4	5	5	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	4	4	4	3	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	4	4	2	- -	3	4	5	3	7	- -	13	9	9
TTM Free Cash Flow to Firm	- -	4	4	2	- -	4	4	5	4	9	2	13	12	11

Multiples (USD)

Valuation Multiples API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	- -	5.27	6.58	15.86	- -	- -	10.63	10.44	11.53	5.83	28.11	3.03	3.42	4.71
EV/EBIT	2.73	2.81	3.71	2.2	8.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	11	12	15	7	48	45	36	31	-30	-114	32	81	64	51
Low Price	23	27	28	21.55	26.05	19.25	19.3	19	18.5	21.15	22.55	16.25	18.1	20
EV/Sales	0.84	0.79	1.05	0.53	2.95	2.6	1.94	1.63	- -	- -	1.48	3.43	2.7	1.91
EV/EBITDA	2.73	2.17	2.99	1.74	8.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	7.33	7.28	9.27	10.87	18.24	- -	13.2	12.23	12.13	10.96	13.42	7.76	6.87	- -
Price/Earnings Average	6.85	7.3	9.26	10.96	11.43	- -	12.46	11.4	12.33	10.56	14.45	7.68	6.59	- -
Price/Earnings High	26.06	24.07	24.56	30.92	18.24	- -	15.43	12.48	14.34	11.35	15.5	8.9	7.9	- -
Price/Earnings Low	17.13	19.69	21	19.6	14.62	- -	11.45	9.89	10.61	9.24	13.19	6.3	6.22	- -
Price/Book Value	0.46	0.46	0.74	0.74	1.89	1.14	1.21	1.18	1.01	1.15	1.4	1.04	0.92	0.99
Price/Book Value Average	0.43	0.47	0.74	0.74	1.19	1.2	1.14	1.1	1.02	1.11	1.51	1.03	0.88	0.83
Price/Book Value High	1.63	1.53	1.97	2.09	1.89	1.44	1.41	1.2	1.19	1.2	1.62	1.19	1.06	1.07
Price/Book Value Low	1.07	1.26	1.69	1.33	1.52	1.07	1.05	0.95	0.88	0.97	1.38	0.84	0.83	0.77
Price/Tangible Book Value	0.46	0.46	0.74	0.74	1.89	1.14	1.21	1.18	1.01	1.15	1.4	1.04	0.92	0.99
Price/Tangible Book Value Average	0.43	0.47	0.74	0.74	1.19	1.2	1.14	1.1	1.02	1.11	1.51	1.03	0.88	0.83
Price/Tangible Book Value High	1.63	1.53	1.97	2.09	1.89	1.44	1.41	1.2	1.19	1.2	1.62	1.19	1.06	1.07
Price/Tangible Book Value Low	1.07	1.26	1.69	1.33	1.52	1.07	1.05	0.95	0.88	0.97	1.38	0.84	0.83	0.77
Price/Sales	1.5	1.37	1.74	1.83	4.07	- -	2.42	2.52	2.23	2.39	2.21	1.73	1.72	- -
Price/Sales Average	1.4	1.37	1.74	1.85	2.55	- -	2.29	2.35	2.26	2.31	2.37	1.71	1.65	- -
Price/Sales High	5.33	4.52	4.62	5.22	4.07	- -	2.83	2.57	2.63	2.48	2.55	1.98	1.98	- -
Price/Sales Low	3.5	3.7	3.95	3.31	3.26	- -	2.1	2.03	1.95	2.02	2.17	1.4	1.56	- -
Price/Cash Flow	- -	5.27	6.58	15.86	- -	- -	11.32	10.67	12.43	6.86	138.08	3.25	4.72	- -
Price/Cash Flow Average	- -	5.28	6.58	15.99	- -	- -	10.68	9.95	12.63	6.62	148.65	3.22	4.52	- -
Price/Cash Flow High	- -	17.43	17.45	45.12	- -	- -	13.22	10.89	14.69	7.11	159.44	3.73	5.43	- -
Price/Cash Flow Low	- -	14.26	14.92	28.6	- -	- -	9.82	8.62	10.87	5.78	135.67	2.64	4.27	- -
Price/Free Cash Flow Average	- -	5.28	6.58	15.99	- -	- -	10.03	9.73	11.72	5.62	30.26	3	3.28	3.92
Price/Free Cash Flow High	- -	17.43	17.45	45.12	- -	- -	12.42	10.65	13.63	6.04	32.46	3.48	3.93	5.07
Price/Free Cash Flow Low	- -	14.26	14.92	28.6	- -	- -	9.22	8.44	10.08	4.92	27.62	2.46	3.09	3.62
EV/Sales Average	0.74	0.8	1.05	0.54	1.43	2.74	1.81	1.46	- -	- -	1.65	3.41	2.63	1.58
EV/Sales High	4.67	3.95	3.93	3.91	2.95	3.25	2.35	1.68	- -	- -	1.82	3.68	2.96	2.06
EV/Sales Low	2.84	3.13	3.26	2	2.14	2.45	1.62	1.15	- -	- -	1.44	3.1	2.54	1.45
EV/EBITDA Average	2.41	2.18	2.98	1.8	4.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	15.16	10.78	11.17	12.95	8.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	9.23	8.54	9.26	6.62	6.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	2.41	2.82	3.7	2.26	4.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	15.16	13.98	13.86	16.31	8.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	9.23	11.06	11.5	8.34	6.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	9.84	9.98	12.36	11.95	32.5	20.5	22.25	23.5	21.15	25.1	22.95	20.01	20	26
High Price	35	33	32.75	34	32.5	26	26	23.98	25	26	26.5	22.95	23	28
Enterprise Value Average	10	12	15	7	23	48	34	28	-29	-116	35	81	62	42
Enterprise Value High	63	59	57	52	48	57	44	32	-22	-112	39	87	70	55
Enterprise Value Low	38	47	47	27	35	43	30	22	-36	-122	31	73	60	39

Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	- -	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	- -	2	2	2	2	2	2	2	- -
Revenue per Share	6.57	7.29	7.09	6.51	7.99	- -	9.18	9.34	9.5	10.48	10.4	11.57	11.61	- -
EBITDA per Share	2.02	2.67	2.49	1.97	2.69	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	2.02	2.06	2.01	1.56	2.69	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.34	1.37	1.33	1.1	1.78	- -	1.68	1.92	1.74	2.29	1.71	2.58	2.91	- -
Basic EPS from Cont Ops	1.34	1.37	1.33	1.1	1.78	- -	1.68	1.92	1.74	2.29	1.71	2.58	2.91	- -
Diluted EPS, GAAP	1.34	1.37	1.33	1.1	1.78	- -	1.68	1.92	1.74	2.29	1.71	2.58	2.91	3.32
Diluted EPS from Cont Ops	1.34	1.37	1.33	1.1	1.78	- -	1.68	1.92	1.74	2.29	1.71	2.58	2.91	3.32
Dividend per Share	- -	1	6	1	- -	- -	1	1	1	1	1	1	1	- -
Cash Flow per Share	- -	1.89	1.88	0.75	- -	- -	1.97	2.2	1.7	3.66	0.17	6.15	4.24	- -
Free Cash Flow per Basic Share	- -	1.89	1.88	0.75	- -	- -	1.84	2.15	1.57	3.01	-0.48	5.7	2.62	- -
Cash & Equivalents per Share	4.31	4.2	4.91	8.52	8.96	5.64	4.41	9.58	37.18	91.13	17.58	7.22	6.04	10.82
Book Value per Share	21.46	21.51	16.61	16.23	17.15	18.02	18.41	20	21.01	21.75	16.38	19.33	21.74	26.13
Tangible Book Value per Share	21.46	21.51	16.61	16.23	17.15	18.02	18.41	20	21.01	21.75	16.38	19.33	21.74	26.13

MBT Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)