Morris State Bancshares, Inc. Financial Ratios — MBLU Stock

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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 (%)	- -	51.06	20.74	22.16	25.01	18.37	14.82	14.49	15.41
Return on Assets (%)	- -	4.06	1.55	1.54	1.8	1.49	1.36	1.49	1.74
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2	1.8	2.85	2.86	2.67	2.72	2.82	2.45	2.02
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	41.88	43.2	36.39	40.17	44.38	36.59	38.07	38.41	47.04
Profit Margin (%)	41.88	43.2	31.51	32.89	40.55	34.92	34.26	36.39	35.66
Net Income to Common Margin (%)	41.88	43.2	31.51	32.89	40.55	34.92	34.26	36.39	35.66
Effective Tax Rate (%)	- -	- -	13.41	18.13	8.63	4.57	10	5.26	24.2
Dvd Payout Ratio (%)	53.23	31.35	13.77	21.14	13.31	17.63	19.27	17.89	25.26
Sustainable Growth Rate (%)	- -	35.06	17.88	17.48	21.68	15.13	11.97	11.9	11.51

Credit (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	10	15	29	30	50	28	20	5
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	10	15	29	30	50	28	20	5
Total Debt/EBITDA	- -	15.52	12.17	19.4	18.97	30.64	17.77	13.47	3.12
Net Debt/EBITDA	- -	-33.85	-52.35	-18.5	-84.49	5.75	-3.3	-23.05	-42.34
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	7.96	7.12	6.83	7.53	8.67	9.63	10.97	11.63
Long-Term Debt/Equity (%)	- -	11.99	13.46	22.65	20.23	30.53	15.87	10.12	2.21
Long-Term Debt/Capital (%)	- -	14.18	17.31	25.55	22.02	28.95	17.08	10.79	2.54
Long-Term Debt/Total Assets (%)	- -	1.31	1.49	2.35	2.13	3.53	1.98	1.33	0.3
Total Debt/Equity (%)	- -	11.99	13.46	22.65	20.23	30.53	15.87	10.12	2.21
Total Debt/Capital (%)	- -	14.18	17.31	25.55	22.02	28.95	17.08	10.79	2.54
Total Debt/Total Assets (%)	- -	1.31	1.49	2.35	2.13	3.53	1.98	1.33	0.3
Net Debt to Equity	- -	-26.14	-57.94	-21.61	-90.09	5.73	-2.95	-17.32	-29.96
Net Debt/Capital (%)	- -	-56.31	-845.18	-48.14	511.2	7.03	-3.95	-25.94	-54.34
EBITDA	1	1	1	2	2	2	2	1	2
EBITDA-CapEx	- -	- -	-1	1	1	1	1	1	-2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	7.96	7.12	6.83	7.53	8.67	9.63	10.97	11.63
Long-Term Debt/Equity (%)	- -	11.99	13.46	22.65	20.23	30.53	15.87	10.12	2.21
Long-Term Debt/Capital (%)	- -	14.18	17.31	25.55	22.02	28.95	17.08	10.79	2.54
Long-Term Debt/Total Assets (%)	- -	1.31	1.49	2.35	2.13	3.53	1.98	1.33	0.3
Total Debt/Equity (%)	- -	11.99	13.46	22.65	20.23	30.53	15.87	10.12	2.21
Total Debt/Capital (%)	- -	14.18	17.31	25.55	22.02	28.95	17.08	10.79	2.54
Total Debt/Total Assets (%)	- -	1.31	1.49	2.35	2.13	3.53	1.98	1.33	0.3
CFO/Total Liabilities	- -	2.58	1.52	1.67	2.73	1.79	2.16	2.28	2.51
CFO/CapEx	22.77	39.91	6.58	27.98	64.25	54.52	121.32	79.56	10.49
Altman's Z-Score	- -	0.16	0.16	0.2	0.15	0.16	2.11	0.3	0.2

Working Capital (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	23.02	12.3	12.13	12.56	12.1	9.59	8.75	9.81
Days Sales Outstanding	- -	15.85	29.67	30.09	29.06	30.15	38.06	41.73	37.22
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

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	26	127	7	2	4,021	239	- -
- Cash & Cash Equivalents	- -	31	79	57	162	39	32	53	68
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	10	15	29	30	50	28	20	5
Enterprise Value	- -	-92	-163	-106	-371	13	4,009	196	-86
Total Capital	- -	70	87	115	136	174	166	183	185
Total Debt/Capital (%)	- -	14.18	17.31	25.55	22.02	28.95	17.08	10.79	2.54
Total Debt / EV	- -	-0.11	-0.09	-0.28	-0.08	4.03	0.01	0.1	-0.05
EV/Sales	- -	- -	9.15	6.77	7.17	0.21	71.06	3.27	- -
EV/EBITDA	- -	- -	320.78	237.22	268.01	7.61	2,518.8	133.21	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	29.12	19.18	12.29	0.55	149.2	6.63	- -
EV/Free Cash Flow to Firm	- -	- -	25.28	18.52	12.1	0.54	147.99	6.55	- -
Diluted Market Cap	- -	- -	26	127	7	2	4,021	239	- -
Diluted Enterprise Value	- -	-21	-38	99	-126	13	4,017	205	-63
EV per Share	- -	- -	39.89	34.22	40.31	1.18	378.87	18.46	- -
TTM Sales	32	35	43	53	59	60	56	60	74
TTM EBITDA	1	1	1	2	2	2	2	1	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	16	17	14	19	34	23	27	30	34
TTM Free Cash Flow to Firm	17	18	16	19	35	23	27	30	37

Multiples (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	1.65	6.55	0.19	0.07	148.43	7.98	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	-92	-163	-106	-371	13	4,009	196	-86
Low Price	- -	- -	2.6	0.09	0.64	0.13	0.12	15	19.15
EV/Sales	- -	- -	9.15	6.77	7.17	0.21	71.06	3.27	- -
EV/EBITDA	- -	- -	320.78	237.22	268.01	7.61	2,518.8	133.21	- -
Price/Earnings	- -	- -	1.89	7.28	0.28	0.07	208.01	10.94	- -
Price/Earnings Average	- -	- -	1.91	9.3	5.96	3.81	25.1	26.54	- -
Price/Earnings High	- -	- -	2.18	195.62	7.02	45.01	208.01	190.75	- -
Price/Earnings Low	- -	- -	1.89	0.05	0.28	0.06	0.06	7.29	- -
Price/Book Value	- -	- -	0.36	1.48	0.06	0.01	29.29	1.46	- -
Price/Book Value Average	- -	- -	0.36	1.9	1.34	0.65	3.53	3.53	- -
Price/Book Value High	- -	- -	0.41	39.87	1.58	7.69	29.29	25.41	- -
Price/Book Value Low	- -	- -	0.36	0.01	0.06	0.01	0.01	0.97	- -
Price/Tangible Book Value	- -	- -	0.26	1.08	0.05	0.01	24.07	1.29	- -
Price/Tangible Book Value Average	- -	- -	0.26	1.38	1.05	0.52	2.9	3.13	- -
Price/Tangible Book Value High	- -	- -	0.3	29.02	1.23	6.19	24.07	22.49	- -
Price/Tangible Book Value Low	- -	- -	0.26	0.01	0.05	0.01	0.01	0.86	- -
Price/Sales	- -	- -	0.6	2.4	0.11	0.03	71.27	3.98	- -
Price/Sales Average	- -	- -	0.6	3.06	2.42	1.33	8.6	9.66	- -
Price/Sales High	- -	- -	0.69	64.34	2.85	15.72	71.27	69.41	- -
Price/Sales Low	- -	- -	0.6	0.02	0.11	0.02	0.02	2.65	- -
Price/Cash Flow	- -	- -	1.9	6.78	0.2	0.07	149.65	8.08	- -
Price/Cash Flow Average	- -	- -	1.92	8.66	4.14	3.57	18.06	19.61	- -
Price/Cash Flow High	- -	- -	2.19	182.15	4.88	42.13	149.65	140.93	- -
Price/Cash Flow Low	- -	- -	1.9	0.05	0.2	0.06	0.05	5.39	- -
Price/Free Cash Flow Average	- -	- -	1.66	8.36	4.08	3.5	17.91	19.36	- -
Price/Free Cash Flow High	- -	- -	1.9	175.86	4.8	41.37	148.43	139.18	- -
Price/Free Cash Flow Low	- -	- -	1.65	0.05	0.19	0.06	0.05	5.32	- -
EV/Sales Average	- -	- -	61.9	2.54	0.18	1.51	8.53	9.1	- -
EV/Sales High	- -	- -	2,149.08	63.82	0.61	15.9	71.2	68.85	- -
EV/Sales Low	- -	- -	1.5	1.36	- -	0.2	2.63	2.1	- -
EV/EBITDA Average	- -	-33.85	-30.82	89.01	6.65	55.62	302.26	371.22	-41.97
EV/EBITDA High	- -	-33.85	-27.81	2,235.03	22.68	584.8	2,523.75	2,807.83	-41.97
EV/EBITDA Low	- -	-33.85	-31.03	-17.45	-79.45	7.52	-1.82	85.71	-41.97
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	2.6	12.1	0.64	0.14	380	22.5	24.92
High Price	- -	- -	3	325	16	89.85	380	392.25	27
Enterprise Value Average	- -	-21	-38	135	11	91	481	546	-63
Enterprise Value High	- -	-21	-34	3,378	36	961	4,017	4,126	-63
Enterprise Value Low	- -	-21	-38	-26	-126	12	-3	126	-63

Shares Outstanding	- -	10	10	10	11	11	11	11	11
Diluted Weighted Avg Shares	10	10	10	10	11	11	11	11	- -
Basic Weighted Avg Shares	10	10	10	10	11	11	11	11	- -
Revenue per Share	3.04	3.36	4.36	5.05	5.62	5.72	5.33	5.65	- -
EBITDA per Share	0.06	0.06	0.12	0.14	0.15	0.16	0.15	0.14	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.28	1.45	1.37	1.66	2.28	2	1.83	2.06	- -
Basic EPS from Cont Ops	1.28	1.45	1.37	1.66	2.28	2	1.83	2.06	- -
Diluted EPS, GAAP	1.28	1.45	1.37	1.66	2.28	2	1.83	2.06	- -
Diluted EPS from Cont Ops	1.28	1.45	1.37	1.66	2.28	2	1.83	2.06	- -
Dividend per Share	0.68	0.46	0.19	0.35	0.3	0.35	0.35	0.37	- -
Cash Flow per Share	1.53	1.64	1.37	1.78	3.28	2.13	2.54	2.78	- -
Free Cash Flow per Basic Share	1.46	1.6	1.16	1.72	3.23	2.09	2.52	2.75	- -
Cash & Equivalents per Share	- -	9.74	20.51	25.01	38.75	3.72	3.81	5.91	- -
Book Value per Share	- -	5.69	7.23	8.15	10.1	11.69	12.97	15.44	- -
Tangible Book Value per Share	- -	7.6	9.98	11.2	12.99	14.52	15.79	17.44	- -

Morris State Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)