Neffs Bancorp, Inc. Financial Ratios — NEFB Stock

Profitability (USD)

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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 (%)	- -	7.01	6.5	7.03	7.01	7.42	8.04	4.9	5.37	6.29	4.17	3.22	3.96
Return on Assets (%)	- -	1.31	1.22	1.31	1.27	1.28	1.46	0.91	0.93	0.97	0.63	0.49	0.6
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	7.01	6.5	7.03	7.01	7.42	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	61	57.6	56.29	57.76	52.43	52.23	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	58.28	54.1	52.93	55.02	49.62	49.57	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	239.72	2,433.33	69.01	19.05	48.86	-174.61	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	58.28	54.1	52.93	55.02	49.62	49.57	47.62	37.64	39.46	39.94	28.19	22.19	24.5
Profit Margin (%)	49.07	46.13	44.16	43.22	38.24	38.58	41.79	34.33	35.37	35.48	26.7	22.1	24.62
Net Income to Common Margin (%)	49.07	46.13	44.16	43.22	38.24	38.58	41.35	33.86	34.94	35.09	26.2	21.62	24.19
Effective Tax Rate (%)	15.81	14.74	16.58	21.44	22.94	22.17	12.25	8.79	10.35	11.16	5.29	0.4	- -
Dvd Payout Ratio (%)	25.65	28.06	28.77	24.99	23.47	25.19	26.9	35.78	32.18	28.8	50.28	54.83	43.94
Sustainable Growth Rate (%)	- -	5.04	4.63	5.28	5.37	5.55	5.87	3.15	3.64	4.48	2.07	1.45	2.22

Credit (USD)

Credit Ratios API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	10	10	8	26	10	18	36
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	10	10	8	26	10	18	36
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-0.82	-0.67	-1.16	-0.64	-0.53	-1.64	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-0.86	-0.71	-1.24	-0.67	-0.56	-1.72	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	18.4	19.1	18.53	18.65	17.67	16.77	18.78	18.05	16.14	14.44	15.16	14.7	15.24
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	14.33	13.54	10.04	39	14.72	27.35	50.46
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	12.53	11.92	9.12	28.06	12.83	21.48	33.54
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	2.69	2.44	1.62	5.63	2.23	4.02	7.69
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	14.33	13.54	10.04	39	14.72	27.35	50.46
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	12.53	11.92	9.12	28.06	12.83	21.48	33.54
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	2.69	2.44	1.62	5.63	2.23	4.02	7.69
Net Debt to Equity	-7.94	-5.69	-9.58	-5.83	-5.01	-16.25	-3.81	-20.07	-40.87	-14	-6.43	-3.89	-7.15
Net Debt/Capital (%)	-8.63	-6.03	-10.59	-6.2	-5.28	-19.41	-3.45	-21.48	-59.07	-11.2	-5.94	-3.15	-4.99
EBITDA	4	4	3	4	4	5	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	3	3	3	4	4	5	- -	-1	- -	-1	- -	- -	-2
Operating Income (Loss)	4	3	3	4	4	4	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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	18.4	19.1	18.53	18.65	17.67	16.77	18.78	18.05	16.14	14.44	15.16	14.7	15.24
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	14.33	13.54	10.04	39	14.72	27.35	50.46
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	12.53	11.92	9.12	28.06	12.83	21.48	33.54
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	2.69	2.44	1.62	5.63	2.23	4.02	7.69
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	14.33	13.54	10.04	39	14.72	27.35	50.46
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	12.53	11.92	9.12	28.06	12.83	21.48	33.54
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	2.69	2.44	1.62	5.63	2.23	4.02	7.69
CFO/Total Liabilities	2.02	1.74	1.63	1.39	1.28	1.73	1.57	1.46	1.46	1.37	1.12	0.78	0.86
CFO/CapEx	8.55	17.91	63.74	15.72	7.74	30.56	14.89	8.66	20.4	9.42	24.04	10.1	1.61
Altman's Z-Score	0.51	0.52	0.49	0.47	0.46	0.44	0.47	0.43	0.4	0.37	0.36	0.34	0.38

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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)

Enterprise Value API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	49	50	45	39	41	40	73	70	80	56	40	31	58
- Cash & Cash Equivalents	3	2	4	3	2	8	3	15	31	9	4	3	5
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	10	10	8	26	10	18	36
Enterprise Value	46	48	41	36	38	32	80	66	57	73	46	46	89
Total Capital	39	41	42	45	46	47	81	84	82	94	79	86	108
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	12.53	11.92	9.12	28.06	12.83	21.48	33.54
Total Debt / EV	- -	- -	- -	- -	- -	- -	0.13	0.15	0.13	0.36	0.22	0.4	0.41
EV/Sales	7.35	7.86	6.67	5.18	4.65	3.59	7.06	6.28	5.02	5.73	4.25	4.56	7.84
EV/EBITDA	12.06	13.65	11.85	8.97	8.87	6.88	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	12.62	14.54	12.6	9.42	9.37	7.25	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	13.11	15.81	13.62	13.47	14.11	7.97	16.74	13.38	10.11	13.35	10.68	15.19	26.04
EV/Free Cash Flow to Firm	11.73	14.98	13.41	12.66	12.5	7.72	15.68	11.99	9.63	12.07	10.26	13.82	16.05
Diluted Market Cap	49	50	46	39	41	40	73	70	81	56	41	30	58
Diluted Enterprise Value	46	48	42	36	39	32	81	66	57	73	47	46	89
EV per Share	232.61	243.15	213.9	190.83	209.39	177.83	508.08	414.56	362.42	468.38	302.52	318.55	610.69
TTM Sales	6	6	6	7	8	9	11	10	11	13	11	10	11
TTM EBITDA	4	4	3	4	4	5	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	4	3	3	4	4	4	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	3	3	3	3	4	5	5	6	5	4	3	3
TTM Free Cash Flow to Firm	4	3	3	3	3	4	5	5	6	6	5	3	6

Multiples (USD)

Valuation Multiples API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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	12.48	15.7	15.12	13.5	13.45	9.67	14.25	12.88	13.53	9.32	9.06	9.09	10.44
EV/EBIT	12.62	14.54	12.6	9.42	9.37	7.25	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	46	48	41	36	38	32	80	66	57	73	46	46	89
Low Price	235	247	228.81	204.45	169.65	208.8	367	350	445	360.01	251	186.5	196
EV/Sales	7.35	7.86	6.67	5.18	4.65	3.59	7.06	6.28	5.02	5.73	4.25	4.56	7.84
EV/EBITDA	12.06	13.65	11.85	8.97	8.87	6.88	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	15.94	17.88	17.04	12.78	13.08	11.67	15.51	19.91	20.19	12.6	14.34	13.9	- -
Price/Earnings Average	15.58	17.49	17.55	14.23	13.16	12.06	14.22	18.64	22.13	16.53	17.31	14.47	- -
Price/Earnings High	15.96	17.88	19.58	16.88	19.11	14.32	15.64	21.25	28.42	18.07	21.54	18.53	- -
Price/Earnings Low	15.08	17.32	16.6	12.78	10.01	11.07	12.34	15.66	17.69	12.6	13.59	12.34	- -
Price/Book Value	1.25	1.22	1.07	0.88	0.89	0.85	1.03	0.95	1.08	0.83	0.59	0.45	0.81
Price/Book Value Average	1.22	1.2	1.1	0.97	0.9	0.87	0.95	0.89	1.18	1.09	0.71	0.47	0.67
Price/Book Value High	1.25	1.22	1.23	1.16	1.3	1.04	1.04	1.02	1.51	1.19	0.88	0.61	0.81
Price/Book Value Low	1.18	1.19	1.04	0.88	0.68	0.8	0.82	0.75	0.94	0.83	0.56	0.4	0.4
Price/Tangible Book Value	1.25	1.22	1.07	0.88	0.89	0.85	1.03	0.95	1.08	0.83	0.59	0.45	0.81
Price/Tangible Book Value Average	1.22	1.2	1.1	0.97	0.9	0.87	0.95	0.89	1.18	1.09	0.71	0.47	0.67
Price/Tangible Book Value High	1.25	1.22	1.23	1.16	1.3	1.04	1.04	1.02	1.51	1.19	0.88	0.61	0.81
Price/Tangible Book Value Low	1.18	1.19	1.04	0.88	0.68	0.8	0.82	0.75	0.94	0.83	0.56	0.4	0.4
Price/Sales	7.82	8.25	7.52	5.52	5	4.5	6.41	6.74	7.06	4.42	3.76	3	- -
Price/Sales Average	7.64	8.07	7.75	6.15	5.03	4.65	5.88	6.31	7.73	5.8	4.54	3.13	- -
Price/Sales High	7.83	8.25	8.65	7.3	7.31	5.52	6.47	7.2	9.93	6.34	5.64	4.01	- -
Price/Sales Low	7.4	7.99	7.33	5.52	3.83	4.27	5.1	5.3	6.18	4.42	3.56	2.67	- -
Price/Cash Flow	13.94	16.58	15.36	14.36	15.18	9.99	15.2	14.36	14.2	10.31	9.44	9.99	- -
Price/Cash Flow Average	13.62	16.22	15.82	15.98	15.27	10.32	13.94	13.45	15.56	13.52	11.39	10.41	- -
Price/Cash Flow High	13.96	16.58	17.65	18.97	22.17	12.25	15.33	15.33	19.98	14.78	14.17	13.32	- -
Price/Cash Flow Low	13.19	16.06	14.96	14.36	11.61	9.48	12.1	11.3	12.44	10.31	8.94	8.88	- -
Price/Free Cash Flow Average	12.2	15.36	15.58	15.03	13.52	9.99	13.07	12.06	14.83	12.22	10.94	9.47	8.61
Price/Free Cash Flow High	12.5	15.7	17.38	17.83	19.64	11.87	14.37	13.74	19.05	13.36	13.61	12.12	10.49
Price/Free Cash Flow Low	11.8	15.21	14.73	13.5	10.28	9.18	11.34	10.13	11.86	9.32	8.58	8.08	5.14
EV/Sales Average	7.18	7.69	6.89	5.81	4.68	3.74	6.53	5.85	5.7	7.1	5.02	4.69	6.94
EV/Sales High	7.37	7.86	7.76	6.96	6.92	4.6	7.11	6.73	7.89	7.64	6.12	5.57	7.86
EV/Sales Low	6.93	7.61	6.48	5.18	3.49	3.37	5.75	4.84	4.15	5.73	4.06	4.23	5.25
EV/EBITDA Average	11.77	13.34	12.24	10.05	8.92	7.16	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	12.08	13.65	13.8	12.05	13.2	8.81	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	11.36	13.2	11.51	8.97	6.66	6.44	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	12.31	14.21	13.02	10.56	9.43	7.54	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	12.64	14.54	14.67	12.65	13.94	9.28	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	11.89	14.06	12.24	9.42	7.04	6.79	- -	- -	- -	- -	- -	- -	- -
Last Price	248.38	255	234.9	204.45	221.85	220.11	461.1	445	508	360.01	265	210	398
High Price	248.75	255	270	270	324	270	465	475	715	516	397.99	280	399.95
Enterprise Value Average	45	47	42	41	39	33	74	61	65	91	55	48	79
Enterprise Value High	46	48	47	49	57	41	81	70	90	97	67	57	90
Enterprise Value Low	43	47	40	36	29	30	66	51	47	73	44	43	60

Shares Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	31.76	30.92	31.23	37.01	44.34	48.88	71.92	66.01	72	81.39	70.53	69.91	- -
EBITDA per Share	19.37	17.81	17.58	21.38	23.25	25.53	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	18.51	16.73	16.53	20.36	22	24.23	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	15.58	14.26	13.79	16	16.96	18.86	29.74	22.35	25.16	28.56	18.48	15.11	- -
Basic EPS from Cont Ops	15.58	14.26	13.79	16	16.96	18.86	30.05	22.66	25.47	28.88	18.83	15.45	- -
Diluted EPS, GAAP	15.58	14.26	13.79	16	16.96	18.86	29.74	22.35	25.16	28.56	18.48	15.11	18.88
Diluted EPS from Cont Ops	15.58	14.26	13.79	16	16.96	18.86	30.05	22.66	25.47	28.88	18.83	15.45	19.21
Dividend per Share	4	4	3.97	4	3.98	4.75	8.31	8.31	8.41	8.54	9.65	8.62	- -
Cash Flow per Share	17.82	15.38	15.29	14.24	14.61	22.03	30.33	30.98	35.78	34.91	28.08	21.01	- -
Free Cash Flow per Basic Share	15.74	14.52	15.05	13.33	12.72	21.31	28.29	27.4	34.02	31.21	26.91	18.93	- -
Cash & Equivalents per Share	15.77	11.85	21	13.62	12.46	42.29	16.99	93.64	193.07	60.65	29.08	18.01	35.1
Book Value per Share	198.51	208.25	219.29	233.44	248.51	260.21	445.99	466.42	472.4	433.23	452.07	462.48	490.9
Tangible Book Value per Share	198.51	208.25	219.29	233.44	248.51	260.21	445.99	466.42	472.4	433.23	452.07	462.48	490.9

Neffs Bancorp, Inc.