Main Street Financial Services Corp. Financial Ratios — MSWV

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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 (%)	- -	18.6	15.7	12.24	13.68	12.77	15.48	7.78	23.47
Return on Assets (%)	- -	1.19	1.1	0.9	0.97	0.92	1.11	0.42	1.15
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	42.77	38.5	37.55	33.75	38.65	35.44	39.05	15.22	39.18
Profit Margin (%)	24.43	29.24	28.64	25.74	29.4	27.72	31.09	12.77	30.78
Net Income to Common Margin (%)	24.43	29.24	28.64	25.74	29.4	27.72	31.09	12.77	30.78
Effective Tax Rate (%)	42.87	24.06	23.72	23.72	23.94	21.79	20.38	16.11	21.43
Dvd Payout Ratio (%)	25.72	20.94	24.45	29.91	25.65	31.23	25.8	67.94	26.13
Sustainable Growth Rate (%)	- -	14.7	11.86	8.58	10.17	8.78	11.48	2.49	17.34

Credit (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	21	27	33	20	22	20	47	117	15
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	21	27	33	20	22	20	47	117	15
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	6	6.75	7.3	7.36	6.86	7.53	6.88	4.62	5.19
Long-Term Debt/Equity (%)	60.89	69.77	77.53	43.11	45.34	40.73	88.73	106.15	11.7
Long-Term Debt/Capital (%)	44.35	46.91	48.94	34.36	34.76	30.11	45.75	64.32	16.26
Long-Term Debt/Total Assets (%)	4.78	5.97	6.99	3.85	3.65	3.25	5.8	8.33	1.01
Total Debt/Equity (%)	60.89	69.77	77.53	43.11	45.34	40.73	88.73	106.15	11.7
Total Debt/Capital (%)	44.35	46.91	48.94	34.36	34.76	30.11	45.75	64.32	16.26
Total Debt/Total Assets (%)	4.78	5.97	6.99	3.85	3.65	3.25	5.8	8.33	1.01
Net Debt to Equity	-81.77	-70.4	-109.59	-83.54	-141.25	-68.85	-39.43	-49.19	-47.87
Net Debt/Capital (%)	-147.31	-89.86	-224.44	-199.26	1,305.34	-103.66	-25.51	-42.46	-198.87
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	-1	-1	- -	- -	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	6	6.75	7.3	7.36	6.86	7.53	6.88	4.62	5.19
Long-Term Debt/Equity (%)	60.89	69.77	77.53	43.11	45.34	40.73	88.73	106.15	11.7
Long-Term Debt/Capital (%)	44.35	46.91	48.94	34.36	34.76	30.11	45.75	64.32	16.26
Long-Term Debt/Total Assets (%)	4.78	5.97	6.99	3.85	3.65	3.25	5.8	8.33	1.01
Total Debt/Equity (%)	60.89	69.77	77.53	43.11	45.34	40.73	88.73	106.15	11.7
Total Debt/Capital (%)	44.35	46.91	48.94	34.36	34.76	30.11	45.75	64.32	16.26
Total Debt/Total Assets (%)	4.78	5.97	6.99	3.85	3.65	3.25	5.8	8.33	1.01
CFO/Total Liabilities	1.67	1.76	1.33	0.77	0.98	0.83	0.92	0.55	1.42
CFO/CapEx	145.25	22.72	20.5	15.82	10.82	3.5	30.4	23.66	32.49
Altman's Z-Score	0.12	0.13	0.21	0.21	0.18	0.2	0.18	0.12	0.16

Working Capital (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	56	58	53	60	61	88	135
- Cash & Cash Equivalents	28	27	47	38	69	33	21	54	62
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	21	27	33	20	22	20	47	117	15
Enterprise Value	-7	- -	43	40	7	46	87	151	89
Total Capital	48	58	68	57	64	65	103	183	93
Total Debt/Capital (%)	44.35	46.91	48.94	34.36	34.76	30.11	45.75	64.32	16.26
Total Debt / EV	-2.92	-111.3	0.77	0.5	3.4	0.42	0.54	0.78	0.17
EV/Sales	- -	- -	2.39	2.31	0.35	2.31	3.47	4.1	1.63
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	7.47	10.99	1.2	10.01	12.62	20.99	4.57
EV/Free Cash Flow to Firm	- -	- -	7.13	10.33	1.09	7.79	12.21	20.14	4.43
Diluted Market Cap	- -	- -	56	58	54	61	62	88	136
Diluted Enterprise Value	-7	- -	43	40	7	47	88	151	89
EV per Share	- -	- -	12.5	11.59	1.91	13.59	22.81	24.56	11.32
TTM Sales	17	18	18	17	18	20	25	37	54
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	7	6	4	5	5	7	7	19
TTM Free Cash Flow to Firm	7	8	6	4	6	6	7	7	20

Multiples (USD)

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	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	9.41	15.16	9.1	10.21	8.63	11.77	6.79
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-7	- -	43	40	7	46	87	151	89
Low Price	- -	- -	16.51	14.75	15	15.67	15.5	12	12.75
EV/Sales	- -	- -	2.39	2.31	0.35	2.31	3.47	4.1	1.63
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	11.02	13.14	9.86	10.76	7.83	18.71	8.07
Price/Earnings Average	- -	- -	11.78	13.05	10.2	10.16	9.54	19	6.9
Price/Earnings High	- -	- -	12.35	14.3	11.02	11.04	12.24	23.52	8.17
Price/Earnings Low	- -	- -	11.02	11.4	9.44	9.61	7.59	15.69	5.95
Price/Book Value	- -	- -	1.63	1.54	1.28	1.32	1.1	1.35	1.74
Price/Book Value Average	- -	- -	1.75	1.53	1.33	1.24	1.34	1.37	1.49
Price/Book Value High	- -	- -	1.83	1.68	1.43	1.35	1.72	1.7	1.76
Price/Book Value Low	- -	- -	1.63	1.34	1.23	1.18	1.07	1.13	1.29
Price/Tangible Book Value	- -	- -	1.32	1.27	1.09	1.25	1.2	0.93	1.18
Price/Tangible Book Value Average	- -	- -	1.41	1.26	1.13	1.17	1.46	0.94	1.01
Price/Tangible Book Value High	- -	- -	1.48	1.38	1.22	1.28	1.87	1.17	1.19
Price/Tangible Book Value Low	- -	- -	1.32	1.1	1.05	1.11	1.16	0.78	0.87
Price/Sales	- -	- -	3.16	3.38	2.9	2.98	2.43	2.39	2.48
Price/Sales Average	- -	- -	3.37	3.36	3	2.82	2.96	2.43	2.12
Price/Sales High	- -	- -	3.54	3.68	3.24	3.06	3.8	3	2.51
Price/Sales Low	- -	- -	3.16	2.93	2.78	2.66	2.36	2	1.83
Price/Cash Flow	- -	- -	9.87	16.12	9.79	12.93	8.85	12.23	6.98
Price/Cash Flow Average	- -	- -	10.55	16.01	10.13	12.21	10.77	12.42	5.97
Price/Cash Flow High	- -	- -	11.06	17.54	10.94	13.27	13.83	15.38	7.06
Price/Cash Flow Low	- -	- -	9.87	13.98	9.38	11.55	8.57	10.26	5.15
Price/Free Cash Flow Average	- -	- -	10.06	15.06	9.41	9.64	10.51	11.95	5.81
Price/Free Cash Flow High	- -	- -	10.55	16.5	10.16	10.47	13.49	14.79	6.87
Price/Free Cash Flow Low	- -	- -	9.41	13.15	8.71	9.12	8.36	9.87	5.01
EV/Sales Average	- -	- -	2.61	2.28	0.45	2.14	4	4.14	1.27
EV/Sales High	- -	- -	2.77	2.6	0.69	2.39	4.84	4.72	1.66
EV/Sales Low	- -	- -	2.39	1.86	0.23	1.99	3.4	3.72	0.98
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	16.51	17	15.67	17.55	16	14.31	17.28
High Price	- -	- -	18.5	18.5	17.5	18	25	17.99	17.5
Enterprise Value Average	-7	- -	47	39	8	43	101	152	69
Enterprise Value High	-7	- -	50	45	13	48	122	174	90
Enterprise Value Low	-7	- -	43	32	4	40	86	137	53

Shares Outstanding	3	3	- -	- -	3	3	3	8	8
Diluted Weighted Avg Shares	3	3	3	3	3	3	4	6	8
Basic Weighted Avg Shares	3	3	3	3	3	3	4	6	8
Revenue per Share	4.86	5.32	5.23	5.03	5.4	5.88	6.57	5.99	6.96
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.19	1.56	1.5	1.29	1.59	1.63	2.04	0.76	2.14
Basic EPS from Cont Ops	1.19	1.56	1.5	1.29	1.59	1.63	2.04	0.76	2.14
Diluted EPS, GAAP	1.19	1.56	1.5	1.29	1.56	1.61	2.03	0.76	2.14
Diluted EPS from Cont Ops	1.19	1.56	1.5	1.29	1.56	1.61	2.03	0.76	2.14
Dividend per Share	0.31	0.33	0.37	0.39	0.41	0.51	0.53	0.52	0.56
Cash Flow per Share	1.99	2.14	1.67	1.05	1.6	1.36	1.81	1.17	2.48
Free Cash Flow per Basic Share	1.98	2.04	1.59	0.99	1.45	0.97	1.75	1.12	2.4
Cash & Equivalents per Share	8.3	8.01	13.7	11.18	20.26	9.71	5.45	8.85	7.88
Book Value per Share	7.75	8.98	10.11	11.02	12.21	13.33	14.54	10.6	9.92
Tangible Book Value per Share	10.15	11.38	12.5	13.39	14.34	14.1	13.37	15.38	14.66

Main Street Financial Services Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)