Mission Bancorp Financial Ratios — MSBC Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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 (%)	- -	8.41	15.32	25.24	37.16	19.86	19.41	18.13	17.2	17.03	18.28	18.99	15.73	12.25
Return on Assets (%)	- -	0.59	0.97	1.57	2.08	1.57	1.79	1.78	1.47	1.34	1.61	1.94	1.71	1.43
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	8.43	15.4	23.35	24.41	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	29.09	31.18	41.61	51.36	57.71	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	24.6	26.94	38.36	51.36	55.58	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	36.31	66.5	81.2	68.74	-29.53	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	24.6	26.94	38.35	51.01	55.59	41.5	51.25	46.87	46.23	50.78	54.58	56.17	53.63	46.15
Profit Margin (%)	14.52	15.44	22.58	31.22	33.65	22.51	35.34	34.43	34.07	37.11	39.38	40.79	38.47	32.66
Net Income to Common Margin (%)	14.52	15.44	22.58	31.22	33.65	22.51	35.34	34.43	34.07	37.11	39.38	40.79	38.47	32.66
Effective Tax Rate (%)	41	42.69	41.13	38.79	39.48	45.27	25.77	26.53	26.29	26.92	27.86	27.38	28.28	29.24
Dvd Payout Ratio (%)	- -	- -	0.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	8.41	15.31	25.24	37.16	19.86	19.41	18.13	17.2	17.03	18.28	18.99	15.73	12.25

Credit (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	- -	- -	- -	- -	- -	- -	25	- -	22	22	22	42	22	12
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	25	- -	22	22	22	42	22	12
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-6.41	-7.95	-3.17	-3.51	-2.08	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-7.58	-9.2	-3.44	-3.51	-2.15	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.39	6.09	6.51	6.04	5.11	8.51	9.87	9.73	7.79	7.9	9.71	10.63	11.07	12.32
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	37.29	- -	21.43	18.06	17.6	26.71	11.58	5.44
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	26.87	- -	17.99	15.31	13.05	19.25	9.55	4.86
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	3.63	- -	1.71	1.43	1.46	2.53	1.17	0.63
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	37.29	- -	21.43	18.06	17.6	26.71	11.58	5.44
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	26.87	- -	17.99	15.31	13.05	19.25	9.55	4.86
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	3.63	- -	1.71	1.43	1.46	2.53	1.17	0.63
Net Debt to Equity	-84.77	-130.3	-83.59	-113.13	-77.22	-145.99	-83.15	-110.02	-276.98	-296.34	-105.3	-93.97	-154.33	-69.79
Net Debt/Capital (%)	-558.65	437.87	-494.25	415.86	283.4	325.75	-149.56	1,090.55	175.42	166.12	-355.1	-209.89	465.96	-165.92
EBITDA	1	1	2	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	1	1	2	4	5	- -	-1	-2	- -	- -	- -	-1	- -	- -
Operating Income (Loss)	1	1	2	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	8.39	6.09	6.51	6.04	5.11	8.51	9.87	9.73	7.79	7.9	9.71	10.63	11.07	12.32
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	37.29	- -	21.43	18.06	17.6	26.71	11.58	5.44
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	26.87	- -	17.99	15.31	13.05	19.25	9.55	4.86
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	3.63	- -	1.71	1.43	1.46	2.53	1.17	0.63
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	37.29	- -	21.43	18.06	17.6	26.71	11.58	5.44
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	26.87	- -	17.99	15.31	13.05	19.25	9.55	4.86
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	3.63	- -	1.71	1.43	1.46	2.53	1.17	0.63
CFO/Total Liabilities	0.48	0.7	-0.33	- -	1.82	1.39	2.36	2.02	1.23	1.23	2.01	2.18	2.05	1.64
CFO/CapEx	- -	- -	- -	- -	- -	57.7	28.01	6.55	36.78	72.84	101.3	32.6	123.56	61.29
Altman's Z-Score	0.16	0.14	0.22	0.28	0.55	0.25	0.31	0.25	0.17	0.18	0.22	0.22	0.22	0.24

Working Capital (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	- -	9.11	3.61	2.88	2.86	13.63	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	40.08	101.11	126.61	127.62	26.78	- -	- -	- -	- -	- -	- -	- -	- -
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

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	10	11	20	30	62	134	193	171	141	197	235	232	262	263
- Cash & Cash Equivalents	5	9	7	13	11	78	56	91	283	356	130	147	292	154
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	25	- -	22	22	22	42	22	12
Enterprise Value	4	3	13	18	51	56	162	80	-120	-137	126	127	-8	121
Total Capital	6	7	8	10	7	54	93	83	122	142	167	217	230	246
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	26.87	- -	17.99	15.31	13.05	19.25	9.55	4.86
Total Debt / EV	- -	- -	- -	- -	- -	- -	0.15	- -	-0.18	-0.16	0.17	0.33	-2.61	0.1
EV/Sales	1.52	0.72	2.72	2.48	5.41	2.06	4.84	2.02	- -	- -	2.05	1.7	0.06	1.46
EV/EBITDA	5.22	2.32	6.53	4.83	9.38	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	6.17	2.69	7.09	4.83	9.74	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	13.3	3.49	- -	- -	21.86	6.86	11.05	5.17	- -	- -	4.59	3.88	0.14	4.38
EV/Free Cash Flow to Firm	13.3	3.49	- -	- -	21.86	6.74	10.67	4.48	- -	- -	4.55	3.77	0.14	4.31
Diluted Market Cap	10	11	21	32	66	139	202	179	147	204	242	237	267	268
Diluted Enterprise Value	4	3	14	19	55	61	171	88	-114	-131	134	132	-4	126
EV per Share	2.24	1.33	7.04	10.73	29.68	21.58	62.15	30.04	- -	- -	45.09	44.47	1.62	41.42
TTM Sales	3	4	5	7	9	27	34	40	46	50	62	75	78	83
TTM EBITDA	1	1	2	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	1	1	2	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	1	- -	- -	2	8	15	16	14	17	28	33	35	28
TTM Free Cash Flow to Firm	- -	1	- -	- -	2	8	15	18	15	18	28	34	35	28

Multiples (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	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	29.83	15.7	-56.22	- -	28.5	16.81	13.25	10.02	9.89	11.64	8.72	7.04	7.67	9.54
EV/EBIT	6.17	2.69	7.09	4.83	9.74	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	4	3	13	18	51	56	162	80	-120	-137	126	127	-8	121
Low Price	4.56	4.83	6.5	10.46	13.4	25.05	38.58	57.57	43.69	51.71	60.8	68.3	75.39	81.62
EV/Sales	1.52	0.72	2.72	2.48	5.41	2.06	4.84	2.02	- -	- -	2.05	1.7	0.06	1.46
EV/EBITDA	5.22	2.32	6.53	4.83	9.38	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	23.3	20.74	17.88	13.72	19.65	21.95	16.28	12.52	9.01	10.54	9.69	7.62	8.7	9.7
Price/Earnings Average	23.97	19.81	14.6	12.11	16.27	16	13.54	14.13	10.49	10.13	8.76	7.48	8.09	9.73
Price/Earnings High	25.96	25.84	17.88	13.98	19.83	23.41	16.58	15.53	13.47	11.9	9.69	8.47	8.97	10.3
Price/Earnings Low	21.29	16.98	11.11	7.75	7.27	10.61	8.5	11.23	7.52	7.6	7.03	6.39	7.25	8.8
Price/Book Value	1.54	1.67	2.54	3.13	8.53	2.47	2.84	2.07	1.42	1.64	1.62	1.32	1.26	1.12
Price/Book Value Average	1.58	1.6	2.08	2.76	7.07	1.8	2.36	2.33	1.65	1.58	1.46	1.3	1.17	1.12
Price/Book Value High	1.71	2.09	2.54	3.19	8.61	2.64	2.89	2.57	2.12	1.85	1.62	1.47	1.3	1.19
Price/Book Value Low	1.41	1.37	1.58	1.77	3.15	1.19	1.48	1.86	1.18	1.18	1.17	1.11	1.05	1.02
Price/Tangible Book Value	1.54	1.68	2.56	2.69	4.26	2.5	2.88	2.07	1.38	1.64	1.9	1.48	1.38	1.19
Price/Tangible Book Value Average	1.58	1.61	2.09	2.37	3.53	1.82	2.39	2.33	1.61	1.58	1.72	1.46	1.29	1.2
Price/Tangible Book Value High	1.71	2.1	2.56	2.74	4.3	2.67	2.93	2.57	2.07	1.85	1.9	1.65	1.43	1.27
Price/Tangible Book Value Low	1.41	1.38	1.59	1.52	1.58	1.21	1.5	1.86	1.16	1.18	1.38	1.24	1.15	1.08
Price/Sales	3.38	3.2	4.04	4.28	6.61	4.94	5.75	4.31	3.07	3.91	3.81	3.11	3.35	3.17
Price/Sales Average	3.48	3.06	3.3	3.78	5.48	3.6	4.78	4.86	3.57	3.76	3.45	3.05	3.11	3.18
Price/Sales High	3.77	3.99	4.04	4.36	6.67	5.27	5.86	5.35	4.59	4.42	3.81	3.45	3.45	3.36
Price/Sales Low	3.09	2.62	2.51	2.42	2.44	2.39	3	3.87	2.56	2.82	2.77	2.61	2.79	2.87
Price/Cash Flow	29.62	15.42	-54.48	- -	26.7	16.48	13.14	11.04	9.79	11.42	8.53	7.11	7.6	9.51
Price/Cash Flow Average	30.48	14.73	-44.49	- -	22.11	12.02	10.93	12.45	11.4	10.98	7.72	6.98	7.06	9.54
Price/Cash Flow High	33.01	19.21	-54.48	- -	26.93	17.58	13.39	13.69	14.64	12.9	8.53	7.9	7.84	10.09
Price/Cash Flow Low	27.07	12.62	-33.85	- -	9.87	7.96	6.86	9.9	8.18	8.24	6.19	5.96	6.33	8.62
Price/Free Cash Flow Average	30.69	15	-45.91	- -	23.6	12.26	11.02	11.3	11.51	11.2	7.89	6.92	7.13	9.57
Price/Free Cash Flow High	33.24	19.56	-56.22	- -	28.75	17.93	13.5	12.43	14.79	13.15	8.72	7.83	7.91	10.13
Price/Free Cash Flow Low	27.26	12.85	-34.94	- -	10.54	8.12	6.92	8.99	8.26	8.4	6.33	5.91	6.39	8.65
EV/Sales Average	1.62	0.58	1.98	1.98	4.28	0.72	3.87	2.57	- -	- -	1.69	1.64	- -	1.47
EV/Sales High	1.9	1.51	2.72	2.56	5.47	2.39	4.94	3.05	- -	- -	2.05	2.04	0.17	1.65
EV/Sales Low	1.23	0.14	1.19	0.62	1.25	- -	2.09	1.57	- -	- -	1	1.2	- -	1.16
EV/EBITDA Average	5.56	1.86	4.75	3.85	7.41	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	6.55	4.85	6.53	4.99	9.48	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	4.22	0.46	2.86	1.21	2.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	6.57	2.15	5.16	3.85	7.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	7.74	5.61	7.09	4.99	9.85	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	4.99	0.53	3.1	1.21	2.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	4.99	5.9	10.46	18.51	36.24	51.83	73.92	64.18	52.34	71.66	83.81	81.43	90.48	90
High Price	5.56	7.35	10.46	18.85	36.56	55.29	75.28	79.6	78.22	80.95	83.81	90.48	93.34	95.54
Enterprise Value Average	5	2	10	14	40	19	130	102	-96	-145	104	123	-27	122
Enterprise Value High	5	5	13	18	51	65	166	121	-50	-112	126	153	- -	137
Enterprise Value Low	3	1	6	4	12	-13	70	62	-143	-192	62	89	-52	96

Shares Outstanding	2	2	2	2	2	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	2	2	2	2	2	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	2	2	2	2	2	3	3	3	3	3	3	3	3	3
Revenue per Share	1.48	1.84	2.59	4.32	5.48	10.49	12.85	14.88	17.04	18.33	21.97	26.19	27.05	28.41
EBITDA per Share	0.43	0.57	1.08	2.22	3.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.36	0.5	0.99	2.22	3.05	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.21	0.28	0.58	1.35	1.84	2.36	4.54	5.12	5.81	6.8	8.65	10.68	10.4	9.28
Basic EPS from Cont Ops	0.21	0.28	0.58	1.35	1.84	2.38	4.89	5.12	5.81	6.8	8.65	10.68	10.4	9.28
Diluted EPS, GAAP	0.21	0.28	0.57	1.29	1.73	2.28	4.35	4.9	5.6	6.58	8.38	10.46	10.22	9.1
Diluted EPS from Cont Ops	0.21	0.28	0.57	1.29	1.73	2.3	4.68	4.9	5.6	6.58	8.38	10.46	10.22	9.1
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.17	0.38	-0.19	- -	1.36	3.15	5.62	5.81	5.34	6.28	9.82	11.45	11.91	9.47
Free Cash Flow per Basic Share	0.17	0.38	-0.19	- -	1.36	3.09	5.42	4.93	5.2	6.19	9.72	11.1	11.81	9.31
Cash & Equivalents per Share	2.75	4.57	3.42	7.79	6.56	30.24	21.35	34.14	104.7	129.48	46.5	51.64	100.95	52.69
Book Value per Share	3.24	3.52	4.11	5.91	4.25	20.97	26.05	31.01	36.92	43.65	51.82	61.56	71.71	80.33
Tangible Book Value per Share	3.24	3.5	4.09	6.88	8.5	20.72	25.68	31.03	37.8	43.69	44.16	54.95	65.41	75.49

Mission Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)