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 (%)	- -	8.17	4.03	2.28	1.07	-3.51	1.18	8.27	2.12	-1.3	-1.79	-2.05	2.1
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 (%)	- -	2.81	2.4	2.28	1.07	-4.16	1.18	8.27	2.12	-1.3	-1.79	-2.05	2.1

Credit (USD)

Credit Ratios 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	27.9	28.64	28.43	37.61	36.86	34.79	21.15	18.72	18.32	14.3	16.34	16.44	16.76
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 (%)	- -	- -	- -	6.62	15.67	19.5	- -	23.19	22.8	64.41	47.09	53	52.48
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 (%)	- -	- -	- -	6.62	15.67	19.5	- -	23.19	22.8	64.41	47.09	53	52.48
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 (%)	-29.08	-24.8	-7.32	-0.96	9.23	9.32	-107.23	-253.52	2,196.27	-33.65	-57.1	-40.57	-33.21
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)

Liquidity Ratios 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	27.9	28.64	28.43	37.61	36.86	34.79	21.15	18.72	18.32	14.3	16.34	16.44	16.76
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 (%)	- -	- -	- -	6.62	15.67	19.5	- -	23.19	22.8	64.41	47.09	53	52.48
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 (%)	- -	- -	- -	6.62	15.67	19.5	- -	23.19	22.8	64.41	47.09	53	52.48
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	1.1	0.91	0.71	0.34	0.37	0.33	0.23	0.21	0.23	0.22

Working Capital (USD)

Working Capital Ratios 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)

Enterprise Value 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	- -	- -	- -	53	37	30	10	11	12	9	6	10	8
- 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	52	40	33	2	- -	-6	28	9	18	17
Total Capital	19	19	18	30	32	31	15	22	22	47	31	34	34
Total Debt/Capital (%)	- -	- -	- -	6.62	15.67	19.5	- -	23.19	22.8	64.41	47.09	53	52.48
Total Debt / EV	- -	- -	- -	0.04	0.13	0.18	- -	11.41	-0.79	1.09	1.58	0.99	1.05
EV/Sales	- -	- -	- -	17.84	13.45	14.59	0.36	0.04	- -	4.14	2.07	5.7	4.93
EV/EBITDA	- -	- -	- -	54.81	69.55	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	62.69	77.4	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	53.98	60.29	- -	- -	- -	5.08	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	53.98	60.29	- -	- -	- -	5.05	- -	- -	1,564.75
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	- -	- -	- -	14.38	11.28	9.76	0.63	0.13	- -	8.31	2.75	5.46	5.23
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)

Valuation Multiples 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	- -	- -	- -	62.69	77.4	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-4	-4	-1	52	40	33	2	- -	-6	28	9	18	17
Low Price	- -	- -	- -	10.05	10.05	8	2.55	2	2.9	1.8	1.25	1.76	2
EV/Sales	- -	- -	- -	17.84	13.45	14.59	0.36	0.04	- -	4.14	2.07	5.7	4.93
EV/EBITDA	- -	- -	- -	54.81	69.55	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	1.86	1.38	1.21	0.66	0.66	0.69	0.55	0.36	0.63	0.48
Price/Book Value Average	- -	- -	- -	1.49	1.67	1.38	0.91	0.55	0.76	0.59	0.45	0.57	0.5
Price/Book Value High	- -	- -	- -	1.87	1.89	1.56	1.15	0.7	1.28	0.82	0.57	0.69	1.2
Price/Book Value Low	- -	- -	- -	1.29	1.32	1.08	0.56	0.4	0.57	0.36	0.26	0.37	0.4
Price/Tangible Book Value	- -	- -	- -	1.86	1.38	1.21	0.66	0.66	0.69	0.56	0.36	0.63	0.48
Price/Tangible Book Value Average	- -	- -	- -	1.49	1.67	1.38	0.91	0.55	0.76	0.6	0.45	0.57	0.5
Price/Tangible Book Value High	- -	- -	- -	1.87	1.89	1.56	1.15	0.7	1.28	0.83	0.58	0.69	1.2
Price/Tangible Book Value Low	- -	- -	- -	1.29	1.32	1.08	0.56	0.4	0.57	0.36	0.26	0.37	0.4
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	- -	- -	- -	14.26	16.15	16.51	1.02	- -	- -	4.22	2.4	5.41	5.05
EV/Sales High	- -	- -	- -	17.91	18.12	18.47	1.64	0.11	0.45	4.79	2.84	6.02	8.3
EV/Sales Low	- -	- -	- -	12.38	12.92	13.09	0.1	- -	- -	3.65	1.69	4.41	4.59
EV/EBITDA Average	-3.03	-1.4	-0.92	43.8	83.47	-26.73	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-3.03	-1.4	-0.92	55	93.67	-29.92	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-3.03	-1.4	-0.92	38.03	66.77	-21.2	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-3.42	-1.51	-1.05	50.1	92.89	-25.8	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-3.42	-1.51	-1.05	62.91	104.24	-28.87	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-3.42	-1.51	-1.05	43.5	74.31	-20.46	- -	- -	- -	- -	- -	- -	- -
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	42	48	37	6	-1	-5	28	11	17	18
Enterprise Value High	-4	-4	-1	52	54	41	10	1	4	32	13	19	29
Enterprise Value Low	-4	-4	-1	36	38	29	1	-4	-8	24	7	14	16

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	1.17	1.01	0.34	0.62	0.64	1.04	2.37	4.64	6.89	3.55	3.36	2.94	2.6
Book Value per Share	5.18	5.1	5.04	7.76	7.63	7.43	4.57	4.97	5.08	5.01	4.89	4.79	4.96
Tangible Book Value per Share	5.18	5.1	5.04	7.76	7.63	7.43	4.57	4.97	5.08	4.95	4.83	4.79	4.96

Mutual Federal Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)