MNB Holdings Corporation Financial Ratios — MNBO Stock

Profitability (USD)

	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	20.22	25.19	16.49	12.05	9.85	8.63	7.66	9.15	8.2	-3.98	-0.73	-2.85	2.37	-4.73	-0.71
Return on Assets (%)	1.05	1.19	1.05	0.97	0.81	0.71	0.66	0.9	0.94	-0.49	-0.09	-0.39	0.34	-0.62	-0.08
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	8.19	10.57	8.75	6.78	4.08	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	30.7	33.05	30.04	30.77	29.01	2.94	1.97	1.64	1.69	1.94	1.71	2.68	1.17	1.56	1.27
Operating Margin (%)	30.7	33.05	27.86	29.08	26.75	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	62.47	47.92	10.5	-55.31	1,300.04	-261.18	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	30.7	33.05	27.86	29.08	26.75	32.18	31.18	31.59	27.65	-24.04	-2.24	-18.39	9.55	-33.53	-4.29
Profit Margin (%)	20.05	21.59	17.96	18.87	17.23	17.22	15.82	20.79	22.26	-13.06	-2.18	-11.17	7.17	-22.87	-3.14
Net Income to Common Margin (%)	20.05	21.59	17.96	18.87	17.23	17.22	15.82	20.79	22.26	-13.06	-2.18	-11.17	7.17	-22.87	-3.14
Effective Tax Rate (%)	34.7	34.66	35.52	35.1	35.58	46.49	49.27	34.16	19.48	- -	- -	- -	24.96	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	20.22	25.19	16.49	12.05	9.85	8.63	7.66	9.15	8.2	-3.98	-0.73	-2.85	2.37	-4.73	-0.71

Credit (USD)

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	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	5	1	6	6	29	60	19	10	3	17	11	24	19	14	15
ST Debt	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	1	6	6	29	60	19	10	3	17	11	24	19	14	15
Total Debt/EBITDA	2.67	0.43	2.32	2.12	11.1	205.5	83.02	53.37	17.44	99.21	68.42	126.14	176.64	158.35	196.67
Net Debt/EBITDA	-1.33	-4.13	-8.27	-6.67	1.94	48.44	-71.44	-145.01	-247.61	-211.74	-396.28	-82.5	-243.73	-254.02	-185.31
Total Debt/EBIT	2.67	0.43	2.5	2.24	12.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-1.33	-4.13	-8.92	-7.06	2.11	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.59	4.86	7.61	8.46	7.93	8.43	8.76	11.05	11.88	12.83	12.82	14.76	13.98	12.27	11.24
Long-Term Debt/Equity (%)	- -	8.25	35.22	29.7	135.67	259.53	76.42	36.86	10.41	59.85	39.12	87.43	67.66	52.36	56.47
Long-Term Debt/Capital (%)	- -	12.99	32.47	28.21	63.69	72.19	43.32	26.93	9.43	37.44	28.12	46.65	40.36	34.36	36.09
Long-Term Debt/Total Assets (%)	- -	0.73	3.66	3.33	13.92	21.88	6.69	4.07	1.24	7.68	5.02	12.9	9.46	6.43	6.35
Total Debt/Equity (%)	46.41	8.25	35.22	29.7	135.67	259.53	76.42	36.86	10.41	59.85	39.12	87.43	67.66	52.36	56.47
Total Debt/Capital (%)	47.94	12.99	32.47	28.21	63.69	72.19	43.32	26.93	9.43	37.44	28.12	46.65	40.36	34.36	36.09
Total Debt/Total Assets (%)	4.23	0.73	3.66	3.33	13.92	21.88	6.69	4.07	1.24	7.68	5.02	12.9	9.46	6.43	6.35
Net Debt to Equity	-23.09	-79.65	-125.49	-93.42	23.76	61.18	-65.76	-100.16	-147.78	-127.73	-226.61	-57.18	-93.36	-83.99	-53.21
Net Debt/Capital (%)	-84.51	326.14	240.17	523.37	23.5	37.96	-192.06	61,762.37	309.29	460.65	178.98	-133.56	-1,404.98	-524.55	-113.72
EBITDA	2	2	3	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	2	2	3	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	2	2	3	3	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.59	4.86	7.61	8.46	7.93	8.43	8.76	11.05	11.88	12.83	12.82	14.76	13.98	12.27	11.24
Long-Term Debt/Equity (%)	- -	8.25	35.22	29.7	135.67	259.53	76.42	36.86	10.41	59.85	39.12	87.43	67.66	52.36	56.47
Long-Term Debt/Capital (%)	- -	12.99	32.47	28.21	63.69	72.19	43.32	26.93	9.43	37.44	28.12	46.65	40.36	34.36	36.09
Long-Term Debt/Total Assets (%)	- -	0.73	3.66	3.33	13.92	21.88	6.69	4.07	1.24	7.68	5.02	12.9	9.46	6.43	6.35
Total Debt/Equity (%)	46.41	8.25	35.22	29.7	135.67	259.53	76.42	36.86	10.41	59.85	39.12	87.43	67.66	52.36	56.47
Total Debt/Capital (%)	47.94	12.99	32.47	28.21	63.69	72.19	43.32	26.93	9.43	37.44	28.12	46.65	40.36	34.36	36.09
Total Debt/Total Assets (%)	4.23	0.73	3.66	3.33	13.92	21.88	6.69	4.07	1.24	7.68	5.02	12.9	9.46	6.43	6.35
CFO/Total Liabilities	- -	- -	1.87	0.67	0.3	0.93	1.08	1.54	0.81	-0.74	0.05	-0.28	1.15	-1.58	0.49
CFO/CapEx	- -	- -	- -	- -	- -	23.33	26.27	58.75	8.02	-20.61	5.11	-18.5	- -	-117.01	25.51
Altman's Z-Score	0.14	0.21	0.25	0.28	0.24	0.17	0.19	0.24	0.26	0.25	0.24	0.26	0.25	0.2	0.15

Working Capital (USD)

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	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	4.17	24.34	6.28	3.04	2.88	4.38	8.45	8.97	7.89	4.61	4.69	5.19	18.18	- -	- -
Days Sales Outstanding	87.55	14.99	58.11	120.26	126.82	83.35	43.19	40.71	46.28	79.1	77.79	70.26	20.08	- -	- -
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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	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	12	12	16	16	18	22	25	27	20	16	15	12	11	- -
- Cash & Cash Equivalents	7	11	29	24	24	46	36	38	47	54	75	40	45	37	29
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	5	1	6	6	29	60	19	10	3	17	11	24	19	14	15
Enterprise Value	-2	2	-11	-3	21	32	6	-2	-17	-17	-49	-1	-14	-11	-14
Total Capital	10	8	20	21	46	83	44	37	33	46	39	52	47	41	42
Total Debt/Capital (%)	47.94	12.99	32.47	28.21	63.69	72.19	43.32	26.93	9.43	37.44	28.12	46.65	40.36	34.36	36.09
Total Debt / EV	-2.01	0.47	-0.59	-1.96	1.4	1.89	3.2	-4.38	-0.19	-1.02	-0.23	-19.19	-1.32	-1.26	-1.06
EV/Sales	- -	0.3	- -	- -	2.3	3.19	0.51	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	0.91	- -	- -	7.93	108.67	25.93	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	0.91	- -	- -	8.6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	37.56	13.54	2.12	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	37.56	12.98	2.04	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	12	12	16	16	18	22	25	27	20	16	15	12	11	- -
Diluted Enterprise Value	-2	2	-11	-3	21	32	6	-2	-17	-17	-49	-1	-14	-11	-14
EV per Share	- -	4.67	- -	- -	45.46	69.47	13.05	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	6	7	9	9	9	10	12	12	11	9	9	7	9	6	6
TTM EBITDA	2	2	3	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	2	2	3	3	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	3	1	1	2	3	3	2	-1	- -	- -	2	-3	1
TTM Free Cash Flow to Firm	- -	- -	3	1	1	2	3	3	2	-1	- -	- -	2	-3	1

Multiples (USD)

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	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	4.05	14.66	28.36	7.2	7.66	7.27	13.59	-14.3	149.34	-33.96	5.94	-3.79	- -
EV/EBIT	- -	0.91	- -	- -	8.6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-2	2	-11	-3	21	32	6	-2	-17	-17	-49	-1	-14	-11	-14
Low Price	- -	18.95	18.67	26	34	34.32	38.5	46	51	41.1	34.1	31.75	20.6	23.5	24.51
EV/Sales	- -	0.3	- -	- -	2.3	3.19	0.51	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	0.91	- -	- -	7.93	108.67	25.93	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	7.71	7.21	9.11	10.08	10.27	12.14	10.48	11.71	- -	- -	- -	17.97	- -	- -
Price/Earnings Average	- -	6.8	6.03	8.66	10.17	9.79	10.78	9.66	11.16	-19.84	-83.3	-19.89	19.76	-8.63	- -
Price/Earnings High	- -	10.38	7.21	9.91	10.5	10.27	12.64	11.25	11.71	-24.79	-95.05	-21.21	22.77	-11.22	- -
Price/Earnings Low	- -	5.62	5.18	6.97	9.99	9.15	9.54	8.77	9.95	-16.17	-75.37	-18.2	14.21	-8.24	- -
Price/Book Value	- -	1.76	0.89	1.04	0.95	0.76	0.9	0.92	0.92	0.69	0.55	0.53	0.42	0.42	- -
Price/Book Value Average	- -	1.55	0.75	0.98	0.96	0.73	0.8	0.85	0.88	0.81	0.61	0.58	0.46	0.42	- -
Price/Book Value High	- -	2.37	0.89	1.13	0.99	0.76	0.93	0.98	0.92	1.01	0.69	0.61	0.53	0.54	- -
Price/Book Value Low	- -	1.28	0.64	0.79	0.94	0.68	0.7	0.77	0.78	0.66	0.55	0.53	0.33	0.4	- -
Price/Tangible Book Value	- -	0.99	0.65	0.78	0.73	0.76	0.9	0.92	0.92	0.69	0.55	0.53	0.42	0.42	- -
Price/Tangible Book Value Average	- -	0.87	0.55	0.74	0.74	0.73	0.8	0.85	0.88	0.81	0.61	0.58	0.46	0.42	- -
Price/Tangible Book Value High	- -	1.33	0.65	0.85	0.76	0.76	0.93	0.98	0.92	1.01	0.69	0.61	0.53	0.54	- -
Price/Tangible Book Value Low	- -	0.72	0.47	0.6	0.73	0.68	0.7	0.77	0.78	0.66	0.55	0.53	0.33	0.4	- -
Price/Sales	- -	1.66	1.3	1.72	1.74	1.77	1.92	2.18	2.61	2.21	1.65	2.03	1.29	2	- -
Price/Sales Average	- -	1.47	1.08	1.63	1.75	1.69	1.71	2.01	2.49	2.59	1.82	2.22	1.42	1.97	- -
Price/Sales High	- -	2.24	1.3	1.87	1.81	1.77	2	2.34	2.61	3.24	2.07	2.37	1.63	2.57	- -
Price/Sales Low	- -	1.21	0.93	1.31	1.72	1.58	1.51	1.82	2.22	2.11	1.64	2.03	1.02	1.88	- -
Price/Cash Flow	- -	- -	4.05	14.66	28.36	7.5	7.96	7.39	15.28	-13.61	178.58	-32.12	5.94	-3.76	- -
Price/Cash Flow Average	- -	- -	3.39	13.94	28.62	7.16	7.06	6.81	14.57	-15.95	196.44	-35.11	6.53	-3.7	- -
Price/Cash Flow High	- -	- -	4.05	15.96	29.54	7.5	8.28	7.93	15.28	-19.94	224.14	-37.43	7.52	-4.81	- -
Price/Cash Flow Low	- -	- -	2.91	11.21	28.1	6.69	6.25	6.18	12.99	-13.01	177.74	-32.12	4.69	-3.53	- -
Price/Free Cash Flow Average	- -	- -	3.39	13.94	28.62	6.86	6.8	6.69	12.95	-16.77	164.28	-37.12	6.53	-3.73	- -
Price/Free Cash Flow High	- -	- -	4.05	15.96	29.54	7.2	7.98	7.79	13.59	-20.95	187.44	-39.57	7.52	-4.85	- -
Price/Free Cash Flow Low	- -	- -	2.91	11.21	28.1	6.42	6.02	6.08	11.55	-13.67	148.64	-33.96	4.69	-3.56	- -
EV/Sales Average	- -	0.1	- -	- -	2.32	3.11	0.3	- -	- -	- -	- -	0.01	- -	- -	- -
EV/Sales High	- -	0.88	- -	- -	2.37	3.19	0.59	- -	- -	- -	- -	0.16	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	2.29	3	0.1	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	-1.33	0.31	-4.66	-1.36	7.99	105.87	14.99	-22.64	-100.34	-78.07	-290.11	0.5	-122.66	-127.65	-185.31
EV/EBITDA High	-1.33	2.65	-3.96	-0.59	8.18	108.67	29.91	-2.51	-93.1	-44.71	-275.14	5.98	-104.27	-89.77	-185.31
EV/EBITDA Low	-1.33	-0.46	-5.17	-2.4	7.88	102.13	5.07	-33.91	-116.28	-102.77	-300.21	-6.57	-156.67	-133.4	-185.31
EV/EBIT Average	-1.33	0.31	-5.03	-1.44	8.66	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-1.33	2.65	-4.27	-0.62	8.87	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-1.33	-0.46	-5.58	-2.54	8.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	26	26	34	34.32	38.5	49	55	60	43	34.26	31.75	26.05	25	52
High Price	- -	35	26	37	35.75	38.5	51	59	60	63	43	37	33	32	65
Enterprise Value Average	-2	1	-13	-4	21	31	3	-4	-18	-13	-47	- -	-13	-11	-14
Enterprise Value High	-2	6	-11	-2	21	32	7	- -	-17	-8	-45	1	-11	-8	-14
Enterprise Value Low	-2	-1	-14	-7	21	30	1	-6	-21	-18	-49	-1	-17	-12	-14

	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	13.49	15.62	20.07	19.78	19.75	21.78	25.51	25.23	23.01	19.46	20.76	15.62	20.22	12.47	- -
EBITDA per Share	4.14	5.16	6.03	6.09	5.73	0.64	0.5	0.41	0.39	0.38	0.35	0.42	0.24	0.19	- -
Operating Income per Share	4.14	5.16	5.59	5.75	5.28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.71	3.37	3.6	3.73	3.4	3.75	4.04	5.25	5.12	-2.54	-0.45	-1.74	1.45	-2.85	- -
Basic EPS from Cont Ops	2.71	3.37	3.6	3.73	3.4	3.75	4.04	5.25	5.12	-2.54	-0.45	-1.74	1.45	-2.85	- -
Diluted EPS, GAAP	2.71	3.37	3.6	3.73	3.4	3.75	4.04	5.25	5.12	-2.54	-0.45	-1.74	1.45	-2.85	- -
Diluted EPS from Cont Ops	2.71	3.37	3.6	3.73	3.4	3.75	4.04	5.25	5.12	-2.54	-0.45	-1.74	1.45	-2.85	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	6.41	2.32	1.21	5.13	6.16	7.44	3.93	-3.16	0.19	-0.99	4.39	-6.65	- -
Free Cash Flow per Basic Share	- -	- -	6.41	2.32	1.21	4.91	5.92	7.32	3.44	-3.31	0.15	-1.04	4.39	-6.71	- -
Cash & Equivalents per Share	16.54	23.54	63.85	53.49	52.45	100.4	77.73	82.14	102.93	117.28	164.95	87.24	99.47	80.34	- -
Book Value per Share	11.99	14.79	29.1	32.83	36.25	50.62	54.67	59.94	65.07	62.53	62.07	60.33	61.78	58.93	- -
Tangible Book Value per Share	23.37	26.38	39.73	43.45	46.87	50.62	54.67	59.94	65.07	62.53	62.07	60.33	61.78	58.93	- -

MNB Holdings Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)