MCNB Banks, Inc. Financial Ratios — MKIN Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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 (%)	- -	6.89	6.99	7.02	6.76	8.65	6.44	3.45	2.55	5.22
Return on Assets (%)	- -	0.72	0.74	0.78	0.76	0.96	0.71	0.39	0.29	0.61
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	7.57	16.71	19.07	21.36	22.47	29.28	23.7	15.41	11.17	20.33
Profit Margin (%)	7.27	9.12	16.72	18.17	17.95	24.88	18.78	12.38	9.28	16.51
Net Income to Common Margin (%)	7.27	9.12	16.72	18.17	17.95	24.88	18.78	12.38	9.28	16.51
Effective Tax Rate (%)	3.97	45.44	12.32	14.91	20.12	15.02	20.78	19.67	16.9	18.78
Dvd Payout Ratio (%)	80.68	61.92	29.78	27.9	27.31	25.2	25.6	46.26	61.58	29.43
Sustainable Growth Rate (%)	- -	2.63	4.91	5.06	4.91	6.47	4.79	1.85	0.98	3.68

Credit (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	- -	5	9	9	9	9	16	22	20	24
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	5	9	9	9	9	16	22	20	24
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	10.43	10.85	11.31	11.15	10.98	11.21	11.35	11.47	11.83
Long-Term Debt/Equity (%)	- -	16.21	29.25	25.9	23.89	22.35	46.11	59.41	53.54	58.26
Long-Term Debt/Capital (%)	- -	14.12	22.65	21.11	19.94	18.56	28.88	35.08	32.79	36
Long-Term Debt/Total Assets (%)	- -	1.71	3.18	3.03	2.78	2.5	4.55	6.13	5.6	6.65
Total Debt/Equity (%)	- -	16.21	29.25	25.9	23.89	22.35	46.11	59.41	53.54	58.26
Total Debt/Capital (%)	- -	14.12	22.65	21.11	19.94	18.56	28.88	35.08	32.79	36
Total Debt/Total Assets (%)	- -	1.71	3.18	3.03	2.78	2.5	4.55	6.13	5.6	6.65
Net Debt to Equity	- -	-37.45	-59.01	-76.72	-65.75	-92.17	-36.45	-27.01	-30.67	-27.09
Net Debt/Capital (%)	- -	-48.42	-84.13	-166.76	-121.65	-326.24	-29.58	-18.98	-23.12	-20.1
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	- -	10.43	10.85	11.31	11.15	10.98	11.21	11.35	11.47	11.83
Long-Term Debt/Equity (%)	- -	16.21	29.25	25.9	23.89	22.35	46.11	59.41	53.54	58.26
Long-Term Debt/Capital (%)	- -	14.12	22.65	21.11	19.94	18.56	28.88	35.08	32.79	36
Long-Term Debt/Total Assets (%)	- -	1.71	3.18	3.03	2.78	2.5	4.55	6.13	5.6	6.65
Total Debt/Equity (%)	- -	16.21	29.25	25.9	23.89	22.35	46.11	59.41	53.54	58.26
Total Debt/Capital (%)	- -	14.12	22.65	21.11	19.94	18.56	28.88	35.08	32.79	36
Total Debt/Total Assets (%)	- -	1.71	3.18	3.03	2.78	2.5	4.55	6.13	5.6	6.65
CFO/Total Liabilities	- -	1.25	1.64	0.84	0.45	1.52	1.61	0.82	0.66	-0.66
CFO/CapEx	11.37	17.98	22.34	13.86	5.66	11.95	35.8	12.97	9.59	-12.21
Altman's Z-Score	- -	0.23	0.25	0.26	0.24	0.23	0.25	0.23	0.22	0.2

Working Capital (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	11	17	25	25	21	23	30	22	16	- -
- Cash & Cash Equivalents	- -	12	19	27	25	36	13	10	12	11
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	5	9	9	9	9	16	22	20	24
Enterprise Value	11	11	16	7	5	-4	34	34	24	13
Total Capital	- -	35	41	43	45	47	57	63	62	67
Total Debt/Capital (%)	- -	14.12	22.65	21.11	19.94	18.56	28.88	35.08	32.79	36
Total Debt / EV	- -	0.46	0.6	1.28	1.86	-2.01	0.49	0.65	0.83	1.87
EV/Sales	0.95	0.94	1.2	0.56	0.37	- -	2.5	3	2.14	0.97
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	5.37	3.29	3.62	3.17	3.72	- -	6.46	12.73	11.43	- -
EV/Free Cash Flow to Firm	4.93	3.12	3.47	2.95	3.16	- -	6.29	11.82	10.35	- -
Diluted Market Cap	11	17	25	25	21	23	30	22	16	18
Diluted Enterprise Value	11	11	16	7	5	-4	34	34	24	31
EV per Share	9.75	9.95	14.44	6.61	4.47	- -	31.17	31.43	22.44	- -
TTM Sales	11	11	13	13	13	13	13	11	11	13
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	3	4	2	1	5	5	3	2	-2
TTM Free Cash Flow to Firm	2	3	4	2	2	5	5	3	2	-2

Multiples (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	4.93	5.02	5.58	10.38	13.45	4.5	5.65	7.62	6.67	-9.29
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	11	11	16	7	5	-4	34	34	24	13
Low Price	9.15	10.06	16	18.05	17.5	18.8	21.25	19.75	13	12.35
EV/Sales	0.95	0.94	1.2	0.56	0.37	- -	2.5	3	2.14	0.97
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	13.11	16.52	11.53	10.81	8.65	7.14	11.95	15.61	14.83	- -
Price/Earnings Average	13.62	12.25	10.14	10.01	9.42	6.81	10.04	17.65	16.15	- -
Price/Earnings High	14.79	16.52	12.39	10.81	10.72	10.08	11.95	21.59	20.77	- -
Price/Earnings Low	12.3	10.39	7.93	8.39	7.97	6.32	9.07	15.23	13.34	- -
Price/Book Value	- -	0.57	0.79	0.73	0.57	0.6	0.75	0.53	0.38	- -
Price/Book Value Average	- -	0.42	0.69	0.68	0.62	0.57	0.63	0.6	0.41	- -
Price/Book Value High	- -	0.57	0.85	0.73	0.71	0.84	0.75	0.74	0.53	- -
Price/Book Value Low	- -	0.36	0.54	0.57	0.53	0.53	0.57	0.52	0.34	- -
Price/Tangible Book Value	- -	0.56	0.79	0.71	0.55	0.59	0.85	0.59	0.41	- -
Price/Tangible Book Value Average	- -	0.42	0.69	0.66	0.6	0.56	0.72	0.66	0.45	- -
Price/Tangible Book Value High	- -	0.56	0.84	0.71	0.68	0.83	0.85	0.81	0.58	- -
Price/Tangible Book Value Low	- -	0.35	0.54	0.55	0.5	0.52	0.65	0.57	0.37	- -
Price/Sales	0.95	1.51	1.93	1.96	1.55	1.78	2.24	1.93	1.38	- -
Price/Sales Average	0.99	1.12	1.69	1.82	1.69	1.69	1.89	2.18	1.5	- -
Price/Sales High	1.07	1.51	2.07	1.96	1.92	2.51	2.24	2.67	1.93	- -
Price/Sales Low	0.89	0.95	1.33	1.53	1.43	1.57	1.7	1.88	1.24	- -
Price/Cash Flow	5.37	5.3	5.83	11.13	15.83	4.87	5.8	8.2	7.36	- -
Price/Cash Flow Average	5.57	3.93	5.13	10.31	17.24	4.65	4.88	9.27	8.02	- -
Price/Cash Flow High	6.06	5.3	6.27	11.13	19.62	6.88	5.8	11.34	10.31	- -
Price/Cash Flow Low	5.04	3.33	4.01	8.64	14.58	4.31	4.41	8	6.62	- -
Price/Free Cash Flow Average	5.12	3.72	4.91	9.61	14.66	4.29	4.75	8.61	7.26	-7.74
Price/Free Cash Flow High	5.57	5.02	6	10.38	16.67	6.35	5.65	10.53	9.34	-9.29
Price/Free Cash Flow Low	4.63	3.16	3.84	8.06	12.39	3.98	4.29	7.43	6	-6.81
EV/Sales Average	0.99	0.55	0.96	0.41	0.5	- -	2.14	3.25	2.26	0.97
EV/Sales High	1.07	0.94	1.34	0.56	0.74	0.39	2.5	3.74	2.69	0.97
EV/Sales Low	0.89	0.38	0.6	0.12	0.24	- -	1.96	2.95	2	0.97
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	9.75	16	23.25	23.25	19	21.25	28	20.25	14.45	16.85
High Price	11	16	25	23.25	23.55	30	28	28	20.24	16.85
Enterprise Value Average	11	6	13	5	7	-5	29	37	26	13
Enterprise Value High	12	11	17	7	10	5	34	42	30	13
Enterprise Value Low	10	4	8	2	3	-7	26	33	23	13

Shares Outstanding	- -	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	10.23	10.62	12.06	11.83	12.24	11.96	12.48	10.48	10.5	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.74	0.97	2.02	2.15	2.2	2.98	2.34	1.3	0.97	- -
Basic EPS from Cont Ops	0.74	0.97	2.02	2.15	2.2	2.98	2.34	1.3	0.97	- -
Diluted EPS, GAAP	0.74	0.97	2.02	2.15	2.2	2.98	2.34	1.3	0.97	2.04
Diluted EPS from Cont Ops	0.74	0.97	2.02	2.15	2.2	2.98	2.34	1.3	0.97	2.04
Dividend per Share	0.6	0.6	0.6	0.6	0.6	0.75	0.6	0.6	0.6	- -
Cash Flow per Share	1.82	3.02	3.99	2.09	1.2	4.36	4.82	2.47	1.96	- -
Free Cash Flow per Basic Share	1.66	2.85	3.81	1.94	0.99	4	4.69	2.28	1.76	- -
Cash & Equivalents per Share	- -	10.68	17.48	25.12	22.82	33.38	11.96	9.32	10.71	- -
Book Value per Share	- -	28.1	29.58	31.7	33.29	35.52	37.26	37.96	38.33	- -
Tangible Book Value per Share	- -	28.51	29.62	32.74	34.71	36.22	32.81	34.52	34.93	- -

MCNB Banks, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)