Mutual Federal Bancorp, Inc. Financial Ratios — MFDB Stock

Profitability (USD)

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	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 (%)	- -	8.7	4.12	2.86	1.56	-4.88	1.81	14.98	3.69	-2.25	-3.2	-3.76	3.85
Return on Assets (%)	- -	2.31	1.15	0.76	0.4	-1.26	0.33	1.64	0.39	-0.21	-0.27	-0.34	0.35
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	8.17	4.03	2.18	0.95	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	48.83	64.78	45.64	32.56	19.34	-61.74	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	43.23	60.06	39.94	28.46	17.38	-63.98	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	100.25	114	948.65	-1,185.19	- -	39.28	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	43.23	60.06	39.94	28.46	17.38	-63.98	4.04	11.62	4.33	-3.26	-6.68	-10.34	9.69
Profit Margin (%)	27.62	37.46	25.04	18.09	9.98	-40.59	4.04	11.62	4.33	-3.26	-6.68	-10.34	9.69
Net Income to Common Margin (%)	27.62	37.46	25.04	18.09	9.98	-40.59	4.04	11.62	4.33	-3.26	-6.68	-10.34	9.69
Effective Tax Rate (%)	36.1	37.64	37.3	36.45	42.61	- -	- -	- -	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	65.53	40.38	- -	- -	-18.76	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	3	2.46	2.86	1.56	-5.79	1.81	14.98	3.69	-2.25	-3.2	-3.76	3.85

Credit (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	2	5	6	- -	5	5	30	14	18	18
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	2	5	6	- -	5	5	30	14	18	18
Total Debt/EBITDA	- -	- -	- -	2.1	8.74	-4.35	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-3.03	-1.4	-0.92	-0.28	4.78	-1.85	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	2.4	9.73	-4.2	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-3.42	-1.51	-1.05	-0.32	5.32	-1.78	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	25.6	27.51	28.3	25.07	26.18	25.35	11.27	10.67	10.6	8.19	8.97	8.87	9.2
Long-Term Debt/Equity (%)	- -	- -	- -	7.08	18.58	24.22	- -	30.18	29.54	180.98	89.01	112.77	110.44
Long-Term Debt/Capital (%)	- -	- -	- -	9.61	20.74	24.95	- -	34.63	33.8	75.96	61.85	67.64	66.79
Long-Term Debt/Total Assets (%)	- -	- -	- -	2.66	6.85	8.43	- -	5.65	5.41	25.87	14.54	18.54	18.51
Total Debt/Equity (%)	- -	- -	- -	7.08	18.58	24.22	- -	30.18	29.54	180.98	89.01	112.77	110.44
Total Debt/Capital (%)	- -	- -	- -	9.61	20.74	24.95	- -	34.63	33.8	75.96	61.85	67.64	66.79
Total Debt/Total Assets (%)	- -	- -	- -	2.66	6.85	8.43	- -	5.65	5.41	25.87	14.54	18.54	18.51
Net Debt to Equity	-22.53	-19.87	-6.82	-0.95	10.17	10.28	-51.74	-93.36	-135.72	-70.75	-68.69	-61.41	-52.46
Net Debt/Capital (%)	-32.54	-26.08	-7.35	-1.44	12.52	12.36	-3,400.43	1,504.38	280.81	-42.24	-91.34	-58.31	-46.46
EBITDA	1	3	1	1	1	-1	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	1	3	1	1	1	-1	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	1	2	1	1	1	-1	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	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	25.6	27.51	28.3	25.07	26.18	25.35	11.27	10.67	10.6	8.19	8.97	8.87	9.2
Long-Term Debt/Equity (%)	- -	- -	- -	7.08	18.58	24.22	- -	30.18	29.54	180.98	89.01	112.77	110.44
Long-Term Debt/Capital (%)	- -	- -	- -	9.61	20.74	24.95	- -	34.63	33.8	75.96	61.85	67.64	66.79
Long-Term Debt/Total Assets (%)	- -	- -	- -	2.66	6.85	8.43	- -	5.65	5.41	25.87	14.54	18.54	18.51
Total Debt/Equity (%)	- -	- -	- -	7.08	18.58	24.22	- -	30.18	29.54	180.98	89.01	112.77	110.44
Total Debt/Capital (%)	- -	- -	- -	9.61	20.74	24.95	- -	34.63	33.8	75.96	61.85	67.64	66.79
Total Debt/Total Assets (%)	- -	- -	- -	2.66	6.85	8.43	- -	5.65	5.41	25.87	14.54	18.54	18.51
CFO/Total Liabilities	0.83	1.18	3.4	-1.54	1.6	1.16	-9.56	-6.89	12.81	5.44	-1.57	-0.63	-0.14
CFO/CapEx	- -	- -	- -	- -	- -	- -	-36.96	-15.49	508.63	170.28	-12.36	-28.22	-0.91
Altman's Z-Score	0.46	0.57	0.5	1.24	0.91	0.72	0.24	0.37	0.33	0.23	0.21	0.23	0.16

Working Capital (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	16.26	12.09	10.19	8.46	6.35	34.21	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	22.44	30.2	35.81	43.14	57.48	10.67	- -	- -	- -	- -	- -	- -
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

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	64	37	31	- -	11	12	9	6	10	- -
- Cash & Cash Equivalents	4	4	1	2	2	3	8	15	23	12	11	10	9
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	2	5	6	- -	5	5	30	14	18	18
Enterprise Value	-4	-4	-1	64	40	33	-8	- -	-6	28	9	18	9
Total Capital	17	18	18	21	24	24	8	14	15	40	23	27	27
Total Debt/Capital (%)	- -	- -	- -	9.61	20.74	24.95	- -	34.63	33.8	75.96	61.85	67.64	66.79
Total Debt / EV	- -	- -	- -	0.03	0.13	0.18	- -	11.41	-0.79	1.09	1.58	1	1.9
EV/Sales	- -	- -	- -	21.69	13.48	14.92	- -	0.04	- -	4.14	2.07	5.66	2.71
EV/EBITDA	- -	- -	- -	66.62	69.69	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	76.2	77.55	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	54.09	61.68	- -	- -	- -	5.08	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	54.09	61.68	- -	- -	- -	5.05	- -	- -	859.09
Diluted Market Cap	- -	- -	- -	64	37	31	- -	11	12	9	6	10	- -
Diluted Enterprise Value	-4	-4	-1	64	40	33	-8	- -	-6	28	9	18	9
EV per Share	- -	- -	- -	14.39	11.27	9.74	- -	0.13	- -	8.31	2.75	5.49	- -
TTM Sales	3	4	3	3	3	2	6	11	8	7	4	3	3
TTM EBITDA	1	3	1	1	1	-1	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	1	2	1	1	1	-1	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	1	2	-1	1	1	-5	-5	10	5	-1	-1	- -
TTM Free Cash Flow to Firm	- -	1	2	-1	1	1	-5	-5	10	5	-1	- -	- -

Multiples (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	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	- -	- -	- -	-88.27	50.37	56.96	- -	-2.35	1.21	1.69	-4.87	-20.14	- -
EV/EBIT	- -	- -	- -	76.2	77.55	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-4	-4	-1	64	40	33	-8	- -	-6	28	9	18	9
Low Price	- -	- -	- -	10.05	10.05	8	2.55	2	2.9	1.8	1.25	1.76	2
EV/Sales	- -	- -	- -	21.69	13.48	14.92	- -	0.04	- -	4.14	2.07	5.66	2.71
EV/EBITDA	- -	- -	- -	66.62	69.69	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	120.42	125.85	- -	- -	8.29	32.87	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	96.35	152.91	-38.8	- -	6.98	36.35	-45.15	-24.71	-27.09	- -
Price/Earnings High	- -	- -	- -	120.83	172.72	-43.76	- -	8.87	61.05	-62.56	-31.32	-32.89	- -
Price/Earnings Low	- -	- -	- -	83.75	120.46	-30.18	- -	5.07	27.24	-27.53	-14.08	-17.54	- -
Price/Book Value	- -	- -	- -	3.39	1.94	1.7	- -	1.16	1.19	0.97	0.66	1.15	- -
Price/Book Value Average	- -	- -	- -	2.71	2.36	1.95	- -	0.97	1.32	1.03	0.82	1.04	- -
Price/Book Value High	- -	- -	- -	3.4	2.67	2.2	- -	1.24	2.21	1.42	1.04	1.26	- -
Price/Book Value Low	- -	- -	- -	2.36	1.86	1.51	- -	0.71	0.99	0.63	0.47	0.67	- -
Price/Tangible Book Value	- -	- -	- -	2.26	1.38	1.24	- -	0.66	0.69	0.56	0.36	0.62	- -
Price/Tangible Book Value Average	- -	- -	- -	1.81	1.68	1.42	- -	0.55	0.76	0.6	0.45	0.56	- -
Price/Tangible Book Value High	- -	- -	- -	2.27	1.89	1.6	- -	0.7	1.28	0.83	0.58	0.68	- -
Price/Tangible Book Value Low	- -	- -	- -	1.57	1.32	1.1	- -	0.4	0.57	0.36	0.26	0.36	- -
Price/Sales	- -	- -	- -	21.78	12.56	13.78	- -	0.96	1.42	1.39	1.32	3.09	- -
Price/Sales Average	- -	- -	- -	17.43	15.25	15.75	- -	0.81	1.58	1.47	1.65	2.8	- -
Price/Sales High	- -	- -	- -	21.86	17.23	17.76	- -	1.03	2.65	2.04	2.09	3.4	- -
Price/Sales Low	- -	- -	- -	15.15	12.02	12.25	- -	0.59	1.18	0.9	0.94	1.81	- -
Price/Cash Flow	- -	- -	- -	-88.27	50.37	56.96	- -	-2.2	1.21	1.7	-4.48	-19.42	- -
Price/Cash Flow Average	- -	- -	- -	-70.63	61.21	65.1	- -	-1.85	1.34	1.81	-5.58	-17.6	- -
Price/Cash Flow High	- -	- -	- -	-88.58	69.13	73.42	- -	-2.35	2.24	2.5	-7.08	-21.37	- -
Price/Cash Flow Low	- -	- -	- -	-61.39	48.22	50.63	- -	-1.35	1	1.1	-3.18	-11.4	- -
Price/Free Cash Flow Average	- -	- -	- -	-70.63	61.21	65.1	- -	-1.98	1.33	1.8	-6.08	-18.24	- -
Price/Free Cash Flow High	- -	- -	- -	-88.58	69.13	73.42	- -	-2.52	2.24	2.49	-7.7	-22.15	- -
Price/Free Cash Flow Low	- -	- -	- -	-61.39	48.22	50.63	- -	-1.44	1	1.09	-3.46	-11.81	- -
EV/Sales Average	- -	- -	- -	17.34	16.18	16.89	- -	- -	- -	4.22	2.4	5.37	2.71
EV/Sales High	- -	- -	- -	21.77	18.16	18.9	- -	0.11	0.45	4.79	2.84	5.97	2.71
EV/Sales Low	- -	- -	- -	15.06	12.94	13.39	- -	- -	- -	3.65	1.69	4.38	2.71
EV/EBITDA Average	-3.03	-1.4	-0.92	53.25	83.64	-27.36	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-3.03	-1.4	-0.92	66.85	93.86	-30.62	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-3.03	-1.4	-0.92	46.25	66.91	-21.69	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-3.42	-1.51	-1.05	60.91	93.08	-26.4	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-3.42	-1.51	-1.05	76.47	104.45	-29.55	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-3.42	-1.51	-1.05	52.9	74.46	-20.93	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	14.45	10.5	9	3	3.27	3.5	2.78	1.76	3	2.36
High Price	- -	- -	- -	14.5	14.41	11.6	5.25	3.5	6.5	4.09	2.78	3.3	5.93
Enterprise Value Average	-4	-4	-1	51	48	38	-8	-1	-5	28	11	17	9
Enterprise Value High	-4	-4	-1	64	54	42	-8	1	4	32	13	19	9
Enterprise Value Low	-4	-4	-1	44	38	30	-8	-4	-8	24	7	14	9

Shares Outstanding	4	4	4	4	4	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	- -	- -	- -	4	4	3	- -	3	3	3	3	3	- -
Basic Weighted Avg Shares	- -	- -	- -	4	4	3	- -	3	3	3	3	3	- -
Revenue per Share	287.1	407.4	296.7	0.66	0.84	0.65	- -	3.39	2.46	2.01	1.33	0.97	- -
EBITDA per Share	140.2	263.9	135.4	0.22	0.16	-0.4	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	124.1	244.7	118.5	0.19	0.15	-0.42	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	79.3	152.6	74.3	0.12	0.08	-0.27	- -	0.39	0.11	-0.07	-0.09	-0.1	- -
Basic EPS from Cont Ops	79.3	152.6	74.3	0.12	0.08	-0.27	- -	0.39	0.11	-0.07	-0.09	-0.1	- -
Diluted EPS, GAAP	79.3	152.6	74.3	0.12	0.08	-0.27	- -	0.39	0.11	-0.07	-0.09	-0.1	- -
Diluted EPS from Cont Ops	79.3	152.6	74.3	0.12	0.08	-0.27	- -	0.39	0.11	-0.07	-0.09	-0.1	- -
Dividend per Share	- -	100	30	- -	- -	0.05	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	40.3	54.3	157	-0.16	0.21	0.16	- -	-1.49	2.9	1.63	-0.39	-0.15	- -
Free Cash Flow per Basic Share	40.3	54.3	157	-0.16	0.21	0.16	- -	-1.58	2.89	1.62	-0.42	-0.16	- -
Cash & Equivalents per Share	424.3	368.4	125	0.51	0.64	1.01	- -	4.64	6.89	3.55	3.36	2.98	- -
Book Value per Share	1,728.4	1,781	1,825.3	4.26	5.41	5.28	- -	2.83	2.94	2.87	2.68	2.62	- -
Tangible Book Value per Share	1,883.6	1,854	1,833.6	6.39	7.61	7.25	- -	4.97	5.08	4.95	4.83	4.85	- -

Mutual Federal Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)