Madison County Financial, Inc. Financial Ratios — MCBK Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	12.24	11.44	8.71	8.06	8.72	10.85	7.56	11.29	12.3	4.36	5	16.72
Return on Assets (%)	- -	1.51	1.43	1.08	0.98	1.02	1.28	0.92	1.39	1.53	0.54	0.62	1.04
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	5.79	4.03	3.26	3.24	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	46.71	3.9	46.05	37.63	34.1	35.78	2.86	2.57	2.15	2.88	3.58	3.34	- -
Operating Margin (%)	41.78	- -	42.75	34.6	31.21	33.15	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-280.73	547.73	1,595.16	-17.63	49.8	-385.55	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	41.78	44.62	42.75	34.6	31.21	33.15	40.95	41.95	44.27	53.38	24.66	30.22	43.5
Profit Margin (%)	29.8	31.53	30.6	25.58	23.57	24.39	30.3	22.76	37.31	45.88	24.97	27.51	36.94
Net Income to Common Margin (%)	29.8	31.53	30.6	25.58	23.57	24.39	30.3	22.76	37.31	45.88	24.97	27.51	36.94
Effective Tax Rate (%)	28.68	29.32	28.43	26.06	24.5	26.41	25.99	45.74	15.72	14.06	- -	8.99	15.07
Dvd Payout Ratio (%)	- -	- -	- -	27.36	22.83	19.97	16.72	31.06	14.27	22.94	56.51	20.43	- -
Sustainable Growth Rate (%)	- -	12.24	11.44	6.33	6.22	6.98	9.03	5.21	9.68	9.48	1.89	3.98	16.72

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	30	27	6	20	40	43	42	55	52	13	72	60	- -
ST Debt	- -	7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	30	20	6	20	40	43	42	55	52	13	72	60	- -
Total Debt/EBITDA	6.69	63	1.15	4.5	9.25	8.47	96.8	139.64	160.25	27.33	156.09	130.24	- -
Net Debt/EBITDA	6.12	47.29	-0.57	3.35	15.38	14.55	83.59	122.45	137.34	-23.66	141.37	110.45	- -
Total Debt/EBIT	7.48	- -	1.24	4.9	10.1	9.15	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	6.85	- -	-0.61	3.64	16.8	15.7	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.05	12.53	12.56	12.32	12.1	11.33	12.3	12.08	12.6	12.3	12.26	12.5	- -
Long-Term Debt/Equity (%)	112.1	66.04	10.15	32.58	64.68	62.74	62.36	78.3	70.6	14.54	78.18	63.35	- -
Long-Term Debt/Capital (%)	52.94	35.04	15.8	35.87	51.13	51.14	48.7	53.72	49.89	15.25	49.16	43.67	- -
Long-Term Debt/Total Assets (%)	13.56	8.34	2.36	6.89	12.66	11.86	11.68	14.02	12.55	2.21	11.85	9.69	- -
Total Debt/Equity (%)	112.1	89.28	10.15	32.58	64.68	62.74	62.36	78.3	70.6	14.54	78.18	63.35	- -
Total Debt/Capital (%)	52.94	47.36	15.8	35.87	51.13	51.14	48.7	53.72	49.89	15.25	49.16	43.67	- -
Total Debt/Total Assets (%)	13.56	11.27	2.36	6.89	12.66	11.86	11.68	14.02	12.55	2.21	11.85	9.69	- -
Net Debt to Equity	102.6	67.02	-5.02	24.24	107.53	107.72	53.85	68.66	60.51	-12.59	70.81	53.73	- -
Net Debt/Capital (%)	50.73	40.31	-10.24	29.39	91.37	94.22	45.05	50.44	46.04	-18.46	46.69	39.67	- -
EBITDA	4	- -	5	4	4	5	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	4	- -	5	4	4	5	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	4	- -	5	4	4	5	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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	12.05	12.53	12.56	12.32	12.1	11.33	12.3	12.08	12.6	12.3	12.26	12.5	- -
Long-Term Debt/Equity (%)	112.1	66.04	10.15	32.58	64.68	62.74	62.36	78.3	70.6	14.54	78.18	63.35	- -
Long-Term Debt/Capital (%)	52.94	35.04	15.8	35.87	51.13	51.14	48.7	53.72	49.89	15.25	49.16	43.67	- -
Long-Term Debt/Total Assets (%)	13.56	8.34	2.36	6.89	12.66	11.86	11.68	14.02	12.55	2.21	11.85	9.69	- -
Total Debt/Equity (%)	112.1	89.28	10.15	32.58	64.68	62.74	62.36	78.3	70.6	14.54	78.18	63.35	- -
Total Debt/Capital (%)	52.94	47.36	15.8	35.87	51.13	51.14	48.7	53.72	49.89	15.25	49.16	43.67	- -
Total Debt/Total Assets (%)	13.56	11.27	2.36	6.89	12.66	11.86	11.68	14.02	12.55	2.21	11.85	9.69	- -
CFO/Total Liabilities	1.48	1.57	2.66	2.01	1.71	1.48	2.05	1.62	2.02	1.05	0.18	0.78	- -
CFO/CapEx	46.72	23.09	89.39	36.23	30.93	22.85	6.97	28.78	25.5	67.47	9.46	50.9	- -
Altman's Z-Score	0.27	0.22	0.44	0.4	0.38	0.36	0.33	0.33	0.33	0.29	0.26	0.2	0.1

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	2.84	2.97	3.08	3.13	3.15	3.18	2.98	2.82	3.14	2.05	1.91	4.87
Days Sales Outstanding	- -	128.36	122.85	118.33	116.78	115.76	114.62	122.32	129.61	116.16	178.16	190.79	74.89
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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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	52	53	53	57	55	66	66	74	57	- -	67
- Cash & Cash Equivalents	3	7	9	5	5	6	6	7	7	25	7	9	- -
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	30	27	6	20	40	43	42	55	52	13	72	60	- -
Enterprise Value	27	10	40	58	78	83	77	93	84	48	103	44	67
Total Capital	56	57	40	56	78	83	87	102	103	87	147	138	- -
Total Debt/Capital (%)	52.94	47.36	15.8	35.87	51.13	51.14	48.7	53.72	49.89	15.25	49.16	43.67	- -
Total Debt / EV	1.09	2.7	0.16	0.35	0.51	0.52	0.55	0.59	0.61	0.28	0.7	1.37	- -
EV/Sales	2.86	0.91	3.39	4.89	6.16	5.88	5.01	6.12	5.63	2.84	8	3.16	3.82
EV/EBITDA	6.12	23.34	7.37	13	18.06	16.45	175.02	238.58	261.65	98.53	223.4	94.79	- -
EV/EBIT	6.85	- -	7.94	14.13	19.73	17.75	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	9.56	3.04	7.38	12.54	17.95	19.19	12.68	18	12.33	8.93	110.39	10.65	- -
EV/Free Cash Flow to Firm	9.36	2.91	7.3	12.21	17.39	18.39	11.09	17.4	11.86	8.8	99.84	10.44	- -
Diluted Market Cap	- -	- -	52	53	53	58	55	68	68	77	58	- -	67
Diluted Enterprise Value	27	20	49	67	87	95	92	116	112	66	123	51	67
EV per Share	5.72	2.09	12.61	19.77	28.44	30.65	28.55	35.38	32.1	18.73	40.65	- -	26.24
TTM Sales	10	11	12	12	13	14	15	15	15	17	13	14	18
TTM EBITDA	4	- -	5	4	4	5	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	4	- -	5	4	4	5	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	3	5	5	4	4	6	5	7	5	1	4	- -
TTM Free Cash Flow to Firm	3	3	6	5	4	5	7	5	7	5	1	4	- -

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	9.5	11.11	11.83	12.84	7.98	12.64	9.6	14.25	55.67	- -	- -
EV/EBIT	6.85	- -	7.94	14.13	19.73	17.75	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	27	10	40	58	78	83	77	93	84	48	103	44	67
Low Price	- -	- -	14.15	15.81	16.74	18.99	18.25	20.4	24.29	29.12	20.75	20.45	24.3
EV/Sales	2.86	0.91	3.39	4.89	6.16	5.88	5.01	6.12	5.63	2.84	8	3.16	3.82
EV/EBITDA	6.12	23.34	7.37	13	18.06	16.45	175.02	238.58	261.65	98.53	223.4	94.79	- -
Price/Earnings	- -	- -	14.43	17.41	17.77	16.71	11.82	19.09	11.81	9.61	17.55	- -	10.34
Price/Earnings Average	- -	- -	12.98	16.56	16.93	16.33	11.29	17.55	12.18	10.69	19.8	- -	10.14
Price/Earnings High	- -	- -	14.47	18.56	21.13	18.48	12.48	19.65	12.75	11.81	24.06	- -	10.84
Price/Earnings Low	- -	- -	12.45	15.29	15.38	14.94	10.57	15.51	11.43	9.61	16.37	- -	9.58
Price/Book Value	- -	- -	1.56	1.47	1.39	1.41	1.23	1.41	1.27	1.01	0.76	- -	- -
Price/Book Value Average	- -	- -	1.4	1.4	1.32	1.38	1.17	1.29	1.31	1.12	0.85	- -	- -
Price/Book Value High	- -	- -	1.57	1.57	1.65	1.56	1.3	1.45	1.37	1.24	1.04	- -	- -
Price/Book Value Low	- -	- -	1.35	1.29	1.2	1.26	1.1	1.14	1.23	1.01	0.71	- -	- -
Price/Tangible Book Value	- -	- -	0.86	0.87	0.87	0.88	0.84	0.98	0.93	0.83	0.62	- -	0.67
Price/Tangible Book Value Average	- -	- -	0.78	0.83	0.83	0.86	0.8	0.9	0.96	0.92	0.7	- -	0.66
Price/Tangible Book Value High	- -	- -	0.86	0.93	1.04	0.97	0.89	1.01	1	1.02	0.85	- -	0.7
Price/Tangible Book Value Low	- -	- -	0.74	0.77	0.76	0.79	0.75	0.8	0.9	0.83	0.58	- -	0.62
Price/Sales	- -	- -	4.41	4.45	4.19	4.08	3.58	4.35	4.41	4.41	4.38	- -	3.82
Price/Sales Average	- -	- -	3.97	4.24	3.99	3.98	3.42	3.99	4.55	4.9	4.94	- -	3.75
Price/Sales High	- -	- -	4.43	4.75	4.98	4.51	3.78	4.47	4.76	5.42	6.01	- -	4
Price/Sales Low	- -	- -	3.81	3.91	3.63	3.65	3.2	3.53	4.26	4.41	4.09	- -	3.54
Price/Cash Flow	- -	- -	9.6	11.42	12.21	13.29	9.06	12.78	9.64	13.88	60.42	- -	- -
Price/Cash Flow Average	- -	- -	8.64	10.87	11.63	13	8.66	11.74	9.95	15.44	68.16	- -	- -
Price/Cash Flow High	- -	- -	9.63	12.18	14.52	14.71	9.57	13.16	10.41	17.06	82.82	- -	- -
Price/Cash Flow Low	- -	- -	8.29	10.03	10.56	11.89	8.11	10.38	9.33	13.88	56.35	- -	- -
Price/Free Cash Flow Average	- -	- -	8.54	10.58	11.27	12.56	7.62	11.62	9.91	15.84	62.8	- -	- -
Price/Free Cash Flow High	- -	- -	9.53	11.85	14.07	14.21	8.43	13.02	10.36	17.51	76.31	- -	- -
Price/Free Cash Flow Low	- -	- -	8.19	9.76	10.24	11.49	7.14	10.27	9.29	14.24	51.92	- -	- -
EV/Sales Average	2.86	1.85	3.71	5.5	6.71	6.61	5.82	7.14	7.5	4.22	10.01	3.69	3.75
EV/Sales High	2.86	1.85	4.16	6.01	7.7	7.14	6.18	7.62	7.71	4.74	11.07	3.69	4
EV/Sales Low	2.86	1.85	3.55	5.17	6.35	6.27	5.6	6.67	7.22	3.73	9.15	3.69	3.54
EV/EBITDA Average	6.12	47.29	8.05	14.61	19.69	18.48	203.08	278.07	348.49	146.74	279.31	110.45	- -
EV/EBITDA High	6.12	47.29	9.04	15.97	22.59	19.95	215.7	296.78	358.26	164.65	308.98	110.45	- -
EV/EBITDA Low	6.12	47.29	7.7	13.74	18.62	17.54	195.47	260.03	335.36	129.51	255.4	110.45	- -
EV/EBIT Average	6.85	- -	8.67	15.89	21.51	19.95	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	6.85	- -	9.74	17.37	24.68	21.53	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	6.85	- -	8.29	14.95	20.34	18.92	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	16.4	18	19.34	21.23	20.4	25.11	25.1	29.13	22.25	25.02	26.24
High Price	- -	- -	16.45	19.19	23	23.49	21.55	25.85	27.1	35.8	30.5	26.5	27.5
Enterprise Value Average	27	20	44	65	85	93	89	109	112	71	129	51	66
Enterprise Value High	27	20	49	71	97	101	94	116	115	80	143	51	70
Enterprise Value Low	27	20	42	61	80	88	86	102	108	63	118	51	62

Shares Outstanding	5	5	3	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	5	5	3	3	3	3	3	3	3	3	3	- -	3
Basic Weighted Avg Shares	5	5	3	3	3	3	3	3	3	3	3	- -	3
Revenue per Share	2	2.3	3.72	4.04	4.62	5.21	5.7	5.78	5.7	6.61	5.08	- -	6.87
EBITDA per Share	0.93	0.09	1.71	1.52	1.57	1.86	0.16	0.15	0.12	0.19	0.18	- -	- -
Operating Income per Share	0.84	- -	1.59	1.4	1.44	1.73	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.6	0.72	1.14	1.03	1.09	1.27	1.73	1.32	2.13	3.03	1.27	- -	2.54
Basic EPS from Cont Ops	0.6	0.72	1.14	1.03	1.09	1.27	1.73	1.32	2.13	3.03	1.27	- -	2.54
Diluted EPS, GAAP	0.6	0.72	1.14	1.03	1.09	1.26	1.72	1.28	2.05	2.91	1.24	- -	2.54
Diluted EPS from Cont Ops	0.6	0.72	1.14	1.03	1.09	1.26	1.72	1.28	2.05	2.91	1.24	- -	2.54
Dividend per Share	- -	- -	- -	0.28	0.25	0.25	0.29	0.41	0.3	0.7	0.72	- -	- -
Cash Flow per Share	0.6	0.69	1.71	1.58	1.58	1.6	2.25	1.96	2.6	2.1	0.37	- -	- -
Free Cash Flow per Basic Share	0.59	0.66	1.69	1.53	1.53	1.53	1.93	1.9	2.5	2.07	0.33	- -	- -
Cash & Equivalents per Share	0.53	3.56	5.76	5.08	5.46	6.37	7.64	10.44	12.66	15.59	10	- -	- -
Book Value per Share	5.56	6.28	10.51	12.25	13.92	15.09	16.63	17.84	19.75	28.87	29.38	- -	- -
Tangible Book Value per Share	5.22	6.02	19.03	20.64	22.12	24.12	24.35	25.54	27	35.05	35.68	- -	39.28

Madison County Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)