Mountain Commerce Bancorp, Inc. Financial Ratios — MCBI

Profitability (USD)

	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	12/31/2015	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 (%)	- -	- -	- -	119.13	62.47	32.76	51.06	28.95	9.55	11.5	13
Return on Assets (%)	- -	0.76	0.8	1.28	1.41	1.01	1.93	1.26	0.41	0.51	0.64
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.69	3.29	2.55	1.86	1.95	1.37	1.06	1.19	3.24	5.61	5.48
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	28.47	33.18	41.91	47.79	52.83	34.55	65.77	48.43	25.63	33.64	33.45
Profit Margin (%)	17.87	20.59	22.34	36.01	39.34	26.86	51.16	37.48	20.32	26.05	26.68
Net Income to Common Margin (%)	17.87	20.59	22.04	36.01	39.34	26.86	51.16	37.48	20.32	26.05	26.68
Effective Tax Rate (%)	37.24	37.94	46.68	24.65	25.53	22.26	22.22	22.61	20.72	22.58	20.25
Dvd Payout Ratio (%)	4.83	3.51	- -	- -	- -	- -	14.14	20.89	58.88	16.46	14.83
Sustainable Growth Rate (%)	- -	- -	- -	119.13	62.47	32.76	43.84	22.9	3.93	9.61	11.07

Credit (USD)

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	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	12/31/2015	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	25	19	38	48	51	74	97	125	130	74	68
ST Debt	15	10	28	32	35	50	75	105	100	50	50
LT Debt	10	10	10	16	16	24	22	20	30	24	18
Total Debt/EBITDA	39.09	28.79	60.75	91.4	83.12	142.32	198.41	213.44	118	38.49	29.59
Net Debt/EBITDA	15.48	-13.15	30.64	42.55	45.93	-2.16	57.31	79.02	55.44	-0.81	-5.19
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-1.21	-0.31	0.47	1.6	2.86	3.25	4.23	4.44	4.25	4.66	5.13
Long-Term Debt/Equity (%)	28.86	17.04	15.09	20.91	17.56	22.89	18.03	16.94	24.37	18.11	12.36
Long-Term Debt/Capital (%)	52.47	56.42	24.06	25.96	20.78	21.63	14.24	10.14	14.68	15.44	11.33
Long-Term Debt/Total Assets (%)	1.99	1.6	1.34	1.88	1.76	2.14	1.63	1.24	1.72	1.37	1.02
Total Debt/Equity (%)	72.51	33.46	57.42	62.76	56.01	71.04	79.98	106.47	105.81	55.89	46.7
Total Debt/Capital (%)	131.84	110.8	91.57	77.92	66.27	67.13	63.19	63.75	63.76	47.64	42.81
Total Debt/Total Assets (%)	5.01	3.14	5.09	5.65	5.62	6.65	7.25	7.8	7.48	4.24	3.84
Net Debt to Equity	28.72	-15.28	28.96	29.22	30.96	-1.08	23.1	39.42	49.71	-1.18	-8.19
Net Debt/Capital (%)	256.25	82.41	84.56	62.16	52.05	-3.19	33.14	39.43	45.25	-1.96	-15.12
EBITDA	1	1	1	1	1	1	- -	1	1	2	2
EBITDA-CapEx	-2	- -	- -	- -	- -	- -	-6	-20	-18	-8	2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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	12/31/2015	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	-1.21	-0.31	0.47	1.6	2.86	3.25	4.23	4.44	4.25	4.66	5.13
Long-Term Debt/Equity (%)	28.86	17.04	15.09	20.91	17.56	22.89	18.03	16.94	24.37	18.11	12.36
Long-Term Debt/Capital (%)	52.47	56.42	24.06	25.96	20.78	21.63	14.24	10.14	14.68	15.44	11.33
Long-Term Debt/Total Assets (%)	1.99	1.6	1.34	1.88	1.76	2.14	1.63	1.24	1.72	1.37	1.02
Total Debt/Equity (%)	72.51	33.46	57.42	62.76	56.01	71.04	79.98	106.47	105.81	55.89	46.7
Total Debt/Capital (%)	131.84	110.8	91.57	77.92	66.27	67.13	63.19	63.75	63.76	47.64	42.81
Total Debt/Total Assets (%)	5.01	3.14	5.09	5.65	5.62	6.65	7.25	7.8	7.48	4.24	3.84
CFO/Total Liabilities	1.18	1.23	1.3	1.63	1.52	1.95	1.89	1.6	0.52	0.65	0.89
CFO/CapEx	1.86	22.63	22.43	59.64	29.59	19.9	3.66	1.16	0.43	1.02	29.5
Altman's Z-Score	0.02	0.03	0.12	0.13	0.17	0.15	0.18	0.16	0.12	0.13	0.1

Working Capital (USD)

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	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	12/31/2015	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	- -	13.41	12.77	12.51	12.46	11	12.08	12.44	6.81	6.19	7.65
Days Sales Outstanding	- -	27.22	28.59	29.18	29.3	33.2	30.2	29.34	53.61	58.95	47.74
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

	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	12/31/2015	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	- -	- -	96	100	125	117	179	164	114	135	- -
- Cash & Cash Equivalents	15	28	19	26	23	75	69	79	69	76	80
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	25	19	38	48	51	74	97	125	130	74	68
Enterprise Value	-23	-53	41	34	106	39	51	73	44	20	-78
Total Capital	19	18	41	62	77	110	153	196	204	155	159
Total Debt/Capital (%)	131.84	110.8	91.57	77.92	66.27	67.13	63.19	63.75	63.76	47.64	42.81
Total Debt / EV	-1.07	-0.37	0.93	1.41	0.48	1.9	1.89	1.71	2.92	3.69	-0.88
EV/Sales	- -	- -	1.66	1.2	3.37	1.02	1.11	1.48	1.31	0.59	- -
EV/EBITDA	- -	- -	65.05	64.88	172.65	74.86	104.8	124.57	40.41	10.43	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	4.58	2.7	8.54	1.98	2.23	3.07	5.33	1.92	- -
EV/Free Cash Flow to Firm	- -	- -	4.38	2.66	8.27	1.88	1.75	1.64	1.6	0.97	- -
Diluted Market Cap	- -	- -	96	100	126	117	179	165	114	135	- -
Diluted Enterprise Value	10	-9	115	122	154	116	207	211	175	133	-12
EV per Share	- -	- -	6.79	5.54	17.17	6.21	8.19	11.74	7.14	3.2	- -
TTM Sales	17	21	24	28	31	38	46	49	34	34	42
TTM EBITDA	1	1	1	1	1	1	- -	1	1	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	7	9	13	12	20	23	24	8	10	15
TTM Free Cash Flow to Firm	8	7	9	13	13	21	29	44	28	21	15

Multiples (USD)

API ChatGPT

	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	12/31/2015	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	- -	- -	10.35	7.77	9.85	5.69	6.15	3.72	4.09	6.51	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-23	-53	41	34	106	39	51	73	44	20	-78
Low Price	- -	- -	12.35	17.55	17.4	13	18.75	26.75	15.25	16.15	19.02
EV/Sales	- -	- -	1.66	1.2	3.37	1.02	1.11	1.48	1.31	0.59	- -
EV/EBITDA	- -	- -	65.05	64.88	172.65	74.86	104.8	124.57	40.41	10.43	- -
Price/Earnings	- -	- -	17.78	9.78	10.09	11.53	7.58	8.9	16.44	15.08	- -
Price/Earnings Average	- -	- -	15.29	10.66	8.83	9.65	6.42	9.29	17.08	13.32	- -
Price/Earnings High	- -	- -	20.49	12.97	11.03	14.29	8.19	10.6	25.93	15.45	- -
Price/Earnings Low	- -	- -	13.71	10.59	8.69	7.99	4.95	9	13.75	11.34	- -
Price/Book Value	- -	- -	27.44	7.32	4.8	3.24	3.17	2.31	1.54	1.66	- -
Price/Book Value Average	- -	- -	23.6	7.99	4.2	2.72	2.69	2.41	1.6	1.46	- -
Price/Book Value High	- -	- -	31.62	9.71	5.25	4.02	3.43	2.75	2.43	1.7	- -
Price/Book Value Low	- -	- -	21.17	7.93	4.13	2.25	2.07	2.34	1.29	1.25	- -
Price/Tangible Book Value	- -	- -	1.45	1.3	1.37	1.13	1.48	1.4	0.93	1.02	- -
Price/Tangible Book Value Average	- -	- -	1.25	1.42	1.2	0.95	1.25	1.46	0.96	0.9	- -
Price/Tangible Book Value High	- -	- -	1.67	1.73	1.5	1.4	1.6	1.67	1.46	1.04	- -
Price/Tangible Book Value Low	- -	- -	1.12	1.41	1.18	0.78	0.97	1.42	0.77	0.76	- -
Price/Sales	- -	- -	3.92	3.52	3.97	3.1	3.88	3.34	3.34	3.93	- -
Price/Sales Average	- -	- -	3.37	3.84	3.47	2.59	3.28	3.48	3.47	3.47	- -
Price/Sales High	- -	- -	4.52	4.67	4.34	3.84	4.19	3.97	5.27	4.02	- -
Price/Sales Low	- -	- -	3.02	3.81	3.42	2.15	2.53	3.37	2.8	2.95	- -
Price/Cash Flow	- -	- -	10.81	7.9	10.06	5.97	7.82	6.91	13.63	12.89	- -
Price/Cash Flow Average	- -	- -	9.29	8.61	8.8	5	6.62	7.21	14.16	11.39	- -
Price/Cash Flow High	- -	- -	12.45	10.47	11	7.4	8.45	8.23	21.49	13.2	- -
Price/Cash Flow Low	- -	- -	8.34	8.55	8.66	4.14	5.11	6.99	11.4	9.69	- -
Price/Free Cash Flow Average	- -	- -	8.9	8.47	8.63	4.77	5.21	3.88	4.25	5.75	- -
Price/Free Cash Flow High	- -	- -	11.92	10.3	10.78	7.06	6.65	4.43	6.45	6.67	- -
Price/Free Cash Flow Low	- -	- -	7.98	8.41	8.48	3.95	4.02	3.76	3.42	4.9	- -
EV/Sales Average	0.57	- -	4.15	4.63	4.37	2.56	3.89	4.42	5.27	3.42	- -
EV/Sales High	0.57	- -	5.3	5.46	5.24	3.81	4.8	4.91	7.06	3.98	- -
EV/Sales Low	0.57	- -	3.8	4.6	4.31	2.12	3.14	4.31	4.59	2.91	- -
EV/EBITDA Average	15.48	-13.15	162.63	249.41	223.78	187.16	367.92	371.8	162.69	61.05	-5.19
EV/EBITDA High	15.48	-13.15	207.51	294.13	268.11	278.23	453.85	413.16	218.27	70.9	-5.19
EV/EBITDA Low	15.48	-13.15	149.03	247.91	220.86	154.62	297.15	362.77	141.81	51.85	-5.19
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	16.01	16.21	20.21	18.75	28.69	26.44	18.23	21.47	22.85
High Price	- -	- -	18.45	21.5	22.1	23.25	31	31.5	28.75	21.99	23.6
Enterprise Value Average	10	-9	102	131	137	97	180	218	179	117	-12
Enterprise Value High	10	-9	130	154	164	144	221	242	240	136	-12
Enterprise Value Low	10	-9	93	130	135	80	145	212	156	100	-12

Shares Outstanding	6	6	6	6	6	6	6	6	6	6	6
Diluted Weighted Avg Shares	6	6	6	6	6	6	6	6	6	6	- -
Basic Weighted Avg Shares	6	6	6	6	6	6	6	6	6	6	- -
Revenue per Share	2.88	3.45	4.09	4.6	5.09	6.06	7.4	7.93	5.46	5.47	- -
EBITDA per Share	0.11	0.11	0.1	0.09	0.1	0.08	0.08	0.09	0.18	0.31	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.51	0.71	0.9	1.66	2	1.63	3.78	2.97	1.11	1.42	- -
Basic EPS from Cont Ops	0.51	0.71	0.91	1.66	2	1.63	3.78	2.97	1.11	1.42	- -
Diluted EPS, GAAP	0.51	0.71	0.9	1.66	1.98	1.62	3.78	2.96	1.11	1.42	- -
Diluted EPS from Cont Ops	0.51	0.71	0.91	1.66	1.98	1.62	3.78	2.96	1.11	1.42	- -
Dividend per Share	0.02	0.02	0.01	- -	- -	- -	0.53	0.62	0.65	0.23	- -
Cash Flow per Share	0.91	1.16	1.48	2.05	2.01	3.14	3.67	3.83	1.34	1.67	- -
Free Cash Flow per Basic Share	0.42	1.11	1.42	2.02	1.94	2.98	2.66	0.51	-1.79	0.03	- -
Cash & Equivalents per Share	8.05	12.11	15.56	18.48	11.3	24.34	36.01	34.82	31.93	30.07	- -
Book Value per Share	-1	-0.32	0.58	2.21	4.21	5.78	9.04	11.44	11.84	12.97	- -
Tangible Book Value per Share	5.73	9.76	11.04	12.45	14.76	16.61	19.39	18.9	19.69	21.12	- -

Mountain Commerce Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)