North Dallas Bank & Trust Co Financial Ratios — NODB Stock

Profitability (USD)

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	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 (%)	- -	6.66	5.9	5.76	5.3	5.06	4.47	8.3	5.87	5.18	4.22	5.57	2.35	2.06	4.86
Return on Assets (%)	- -	0.71	0.63	0.62	0.55	0.51	0.46	0.91	0.7	0.62	0.44	0.53	0.22	0.19	0.46
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	6.66	5.9	5.76	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	41.12	35.17	31.62	30.82	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	41.12	35.17	31.62	30.82	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	121.37	-194.22	7.67	-312.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	41.12	35.17	31.62	30.82	30.35	31.91	36.39	37.86	30.46	26.75	22.41	22.94	11.21	10.15	21.5
Profit Margin (%)	27	23.18	20.83	20.3	20.26	20.96	17.41	30.57	24.35	21.38	17.89	18.5	9.5	8.55	17.79
Net Income to Common Margin (%)	27	23.18	20.83	20.3	20.26	20.96	17.41	30.57	24.35	21.38	17.89	18.5	9.5	8.55	17.79
Effective Tax Rate (%)	34.34	34.08	34.14	34.13	33.23	34.31	33.32	19.25	20.05	20.07	20.14	19.35	15.18	15.71	17.27
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	36.39	38.94	46.96	37.49	89.78	29.75	11.94
Sustainable Growth Rate (%)	- -	6.66	5.9	5.76	5.3	5.06	4.47	8.3	3.73	3.16	2.24	3.48	0.24	1.45	4.28

Credit (USD)

Credit Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	100	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	100	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-3.54	-4.56	-5.29	-6.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-3.54	-4.56	-5.29	-6.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.63	10.68	10.61	10.93	10.1	10.28	10.44	11.61	12.34	11.48	9.72	9.36	9.26	8.96	9.81
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	58.43	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	36.88	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.24	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	58.43	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	36.88	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.24	- -
Net Debt to Equity	-45.71	-45.34	-46.84	-57.12	-220.04	-187.16	-165.38	-100.62	-97.03	-173.15	-131.29	-55.82	-59.97	-150.47	-132.54
Net Debt/Capital (%)	-84.21	-82.94	-88.12	-133.2	183.31	214.73	252.96	16,259.86	-3,270.63	236.71	419.57	-126.37	-149.81	-1,891.61	407.33
EBITDA	12	10	9	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	12	10	9	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	12	10	9	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	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	10.63	10.68	10.61	10.93	10.1	10.28	10.44	11.61	12.34	11.48	9.72	9.36	9.26	8.96	9.81
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	58.43	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	36.88	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.24	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	58.43	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	36.88	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.24	- -
CFO/Total Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	0.94	0.62	0.86	0.97	0.92	-0.05	0.59
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.28	0.26	0.26	0.27	0.2	0.22	0.23	0.27	0.26	0.24	0.2	0.21	0.18	0.16	0.19

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	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	- -	4.28	4.29	4.37	9.71	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	85.21	85.07	83.52	37.59	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	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	134	141	146	159	161	186	199	224	204	200	203	174	128	116	153
- Cash & Cash Equivalents	42	43	46	58	300	263	237	152	157	294	220	88	98	258	243
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	100	- -
Enterprise Value	91	98	100	101	-140	-77	-39	71	48	-93	-17	86	30	-42	-90
Total Capital	93	96	98	102	137	141	144	151	161	170	168	157	164	271	183
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	36.88	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2.38	- -
EV/Sales	3.14	3.62	3.65	3.54	- -	- -	- -	1.78	1.26	- -	- -	1.76	0.76	- -	- -
EV/EBITDA	7.63	10.28	11.55	11.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	7.63	10.28	11.55	11.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	4.42	- -	- -	5.83	2.04	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	4.42	- -	- -	5.83	2.04	- -	- -
Diluted Market Cap	134	141	146	159	160	186	199	224	204	200	203	174	128	116	153
Diluted Enterprise Value	91	98	100	101	-140	-77	-38	71	48	-94	-17	86	30	-42	-90
EV per Share	35.53	38.1	39.1	39.25	- -	- -	- -	27.73	18.54	- -	- -	33.58	11.72	- -	- -
TTM Sales	29	27	27	28	31	33	36	40	38	40	40	49	40	40	48
TTM EBITDA	12	10	9	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	12	10	9	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	11	8	13	15	15	-1	10
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	11	8	13	15	15	-1	10

Multiples (USD)

Valuation Multiples API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2015	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	- -	- -	- -	- -	- -	- -	- -	- -	18.98	24.68	15.07	11.76	8.7	-124.89	15.32
EV/EBIT	7.63	10.28	11.55	11.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	91	98	100	101	-140	-77	-39	71	48	-93	-17	86	30	-42	-90
Low Price	40	50.25	54.75	54.1	58.68	59.86	70.5	76	78	54	72	63.25	49.5	43.05	44.65
EV/Sales	3.14	3.62	3.65	3.54	- -	- -	- -	1.78	1.26	- -	- -	1.76	0.76	- -	- -
EV/EBITDA	7.63	10.28	11.55	11.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	17.01	22.51	25.57	27.58	25.3	26.54	31.34	18.28	22.27	23.35	28.52	19.25	34.01	33.58	17.78
Price/Earnings Average	15.5	21.55	25.46	25.29	25.78	22.93	29.9	17.4	22.96	19.73	28.28	19.85	40.08	34.96	16.62
Price/Earnings High	18.32	22.51	26.02	28.02	27.72	26.74	32.39	19.33	24.16	23.8	30.14	22.44	48.3	38.43	17.91
Price/Earnings Low	13.09	20.57	24.56	24.06	23.76	21.93	28.54	15.97	21.85	16.17	25.99	17.97	33.67	32.13	13.33
Price/Book Value	1.44	1.48	1.49	1.56	1.18	1.32	1.39	1.48	1.27	1.18	1.21	1.11	0.78	0.68	0.83
Price/Book Value Average	1.32	1.41	1.48	1.43	1.2	1.14	1.32	1.41	1.3	1	1.2	1.14	0.92	0.7	0.78
Price/Book Value High	1.55	1.48	1.52	1.58	1.29	1.33	1.43	1.56	1.37	1.2	1.28	1.29	1.11	0.77	0.84
Price/Book Value Low	1.11	1.35	1.43	1.36	1.1	1.09	1.26	1.29	1.24	0.82	1.1	1.03	0.78	0.65	0.63
Price/Tangible Book Value	1.44	1.48	1.49	1.56	1.18	1.32	1.39	1.48	1.27	1.18	1.21	1.11	0.78	0.68	0.83
Price/Tangible Book Value Average	1.32	1.41	1.48	1.43	1.2	1.14	1.32	1.41	1.3	1	1.2	1.14	0.92	0.7	0.78
Price/Tangible Book Value High	1.55	1.48	1.52	1.58	1.29	1.33	1.43	1.56	1.37	1.2	1.28	1.29	1.11	0.77	0.84
Price/Tangible Book Value Low	1.11	1.35	1.43	1.36	1.1	1.09	1.26	1.29	1.24	0.82	1.1	1.03	0.78	0.65	0.63
Price/Sales	4.59	5.22	5.33	5.6	5.13	5.56	5.46	5.59	5.42	4.99	5.1	3.56	3.23	2.87	3.16
Price/Sales Average	4.19	5	5.3	5.13	5.22	4.81	5.21	5.32	5.59	4.22	5.06	3.67	3.81	2.99	2.96
Price/Sales High	4.95	5.22	5.42	5.69	5.62	5.6	5.64	5.91	5.88	5.09	5.39	4.15	4.59	3.29	3.19
Price/Sales Low	3.53	4.77	5.12	4.88	4.81	4.6	4.97	4.88	5.32	3.46	4.65	3.32	3.2	2.75	2.37
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	18.98	24.68	15.07	11.76	8.7	-124.89	15.32
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	19.56	20.85	14.94	12.13	10.25	-130.01	14.32
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	20.59	25.16	15.93	13.71	12.35	-142.93	15.44
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	18.62	17.09	13.73	10.98	8.61	-119.48	11.49
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	19.56	20.85	14.94	12.13	10.25	-130.01	14.32
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	20.59	25.16	15.93	13.71	12.35	-142.93	15.44
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	18.62	17.09	13.73	10.98	8.61	-119.48	11.49
EV/Sales Average	2.73	3.39	3.63	3.08	- -	- -	- -	1.51	1.43	- -	- -	1.88	1.33	- -	- -
EV/Sales High	3.49	3.62	3.75	3.63	- -	- -	- -	2.1	1.72	- -	- -	2.36	2.12	- -	- -
EV/Sales Low	2.08	3.16	3.44	2.83	- -	- -	- -	1.07	1.16	- -	- -	1.53	0.73	- -	- -
EV/EBITDA Average	6.64	9.65	11.48	9.99	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	8.49	10.28	11.85	11.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	5.05	9	10.89	9.18	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	6.64	9.65	11.48	9.99	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	8.49	10.28	11.85	11.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	5.05	9	10.89	9.18	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	52	55	57	62	62.5	72.45	77.4	87	79.5	78	79	67.75	50	45	59.55
High Price	56	55	58	63	68.48	73	80	92	86.25	79.5	83.5	79	71	51.5	60
Enterprise Value Average	79	92	100	88	-137	-102	-48	61	54	-125	-19	92	53	-37	-100
Enterprise Value High	102	98	103	103	-124	-76	-32	84	65	-90	-6	115	84	-25	-89
Enterprise Value Low	60	86	95	81	-150	-109	-56	43	44	-155	-35	75	29	-47	-128

Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Revenue per Share	11.32	10.54	10.7	11.08	12.19	13.03	14.18	15.57	14.66	15.62	15.48	19.03	15.47	15.67	18.83
EBITDA per Share	4.66	3.71	3.38	3.41	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	4.66	3.71	3.38	3.41	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.06	2.44	2.23	2.25	2.47	2.73	2.47	4.76	3.57	3.34	2.77	3.52	1.47	1.34	3.35
Basic EPS from Cont Ops	3.06	2.44	2.23	2.25	2.47	2.73	3.44	4.76	3.57	3.34	2.77	3.52	1.47	1.34	3.35
Diluted EPS, GAAP	3.06	2.44	2.23	2.25	2.47	2.73	2.47	4.76	3.57	3.34	2.77	3.52	1.47	1.34	3.35
Diluted EPS from Cont Ops	3.06	2.44	2.23	2.25	2.47	2.73	3.44	4.76	3.57	3.34	2.77	3.52	1.47	1.34	3.35
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	1.3	1.3	1.3	1.32	1.32	0.4	0.4
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	4.19	3.16	5.24	5.76	5.75	-0.36	3.89
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	4.19	3.16	5.24	5.76	5.75	-0.36	3.89
Cash & Equivalents per Share	16.47	16.9	17.9	22.75	116.93	102.42	92.4	59.27	60.96	114.39	85.71	34.17	38.28	100.25	94.66
Book Value per Share	36.04	37.28	38.22	39.83	53.14	54.72	55.87	58.91	62.82	66.07	65.28	61.22	63.84	66.62	71.42
Tangible Book Value per Share	36.04	37.28	38.22	39.83	53.14	54.72	55.87	58.91	62.82	66.07	65.28	61.22	63.84	66.62	71.42

North Dallas Bank & Trust Co

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)