Northumberland Bancorp Financial Ratios — NUBC Stock

Profitability (USD)

	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	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

Return on Common Equity (%)	- -	15.48	13.72	8.58	5.32	5.7	6.42	7.83	7.13	4.92	3	2.78
Return on Assets (%)	- -	1.06	0.96	0.61	0.47	0.56	0.64	0.77	0.65	0.44	0.28	0.26
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.79	3	3.2	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	45.75	48.26	44.43	32.58	17.93	18.22	20.25	25.19	23.68	16.42	10.5	9.09
Profit Margin (%)	33.16	34.64	31.96	24.59	11.25	15.91	17.31	20.87	20.01	14.38	9.6	8.53
Net Income to Common Margin (%)	33.16	34.64	31.96	24.59	11.25	15.91	17.31	20.87	20.01	14.38	9.6	8.53
Effective Tax Rate (%)	27.52	28.22	28.08	24.54	37.05	12.57	14.11	16.42	15.35	12.45	8.6	6.13
Dvd Payout Ratio (%)	10.6	10.3	12.05	- -	48.28	33.03	30.96	25.11	27.65	39.47	63.79	68.5
Sustainable Growth Rate (%)	- -	13.89	12.07	8.58	2.75	3.82	4.43	5.86	5.16	2.98	1.09	0.88

Credit (USD)

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	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	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

Total Debt	7	10	14	10	3	3	4	2	11	23	30	30
ST Debt	- -	- -	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	7	10	13	10	3	3	4	2	11	23	30	30
Total Debt/EBITDA	26.15	38.42	47.71	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	5.57	22.61	33.41	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.94	6.74	7.28	6.98	9.93	9.82	10.19	9.5	8.7	9.11	9.35	9.55
Long-Term Debt/Equity (%)	36.25	43.4	53.76	41.28	6.14	6.14	6.17	3.22	17.62	50.85	60.78	58.74
Long-Term Debt/Capital (%)	28.22	32.48	34.1	30.17	5.62	5.71	6	3.33	15.02	26.59	32.32	32.44
Long-Term Debt/Total Assets (%)	2.74	3.24	4.02	3.01	0.59	0.59	0.65	0.33	1.54	3.3	4.42	4.48
Total Debt/Equity (%)	36.59	43.4	60.2	41.28	6.14	6.14	6.17	3.22	17.62	50.85	60.78	58.74
Total Debt/Capital (%)	28.48	32.48	38.18	30.17	5.62	5.71	6	3.33	15.02	26.59	32.32	32.44
Total Debt/Total Assets (%)	2.76	3.24	4.5	3.01	0.59	0.59	0.65	0.33	1.54	3.3	4.42	4.48
Net Debt to Equity	7.79	25.54	42.16	3.96	-27.72	-23.02	-18.31	-44.12	-58.04	-38.77	-38.71	-47.33
Net Debt/Capital (%)	7.81	22.06	30.2	3.98	-33.99	-27.26	-21.67	-83.61	-97.92	-25.43	-25.93	-35.39
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.94	6.74	7.28	6.98	9.93	9.82	10.19	9.5	8.7	9.11	9.35	9.55
Long-Term Debt/Equity (%)	36.25	43.4	53.76	41.28	6.14	6.14	6.17	3.22	17.62	50.85	60.78	58.74
Long-Term Debt/Capital (%)	28.22	32.48	34.1	30.17	5.62	5.71	6	3.33	15.02	26.59	32.32	32.44
Long-Term Debt/Total Assets (%)	2.74	3.24	4.02	3.01	0.59	0.59	0.65	0.33	1.54	3.3	4.42	4.48
Total Debt/Equity (%)	36.59	43.4	60.2	41.28	6.14	6.14	6.17	3.22	17.62	50.85	60.78	58.74
Total Debt/Capital (%)	28.48	32.48	38.18	30.17	5.62	5.71	6	3.33	15.02	26.59	32.32	32.44
Total Debt/Total Assets (%)	2.76	3.24	4.5	3.01	0.59	0.59	0.65	0.33	1.54	3.3	4.42	4.48
CFO/Total Liabilities	0.88	1.19	1.12	- -	1.14	1.04	1.32	0.78	0.75	1.24	0.71	0.76
CFO/CapEx	- -	- -	- -	- -	25.64	14.51	18.53	5.92	15.45	22.52	10.84	43.66
Altman's Z-Score	0.16	0.17	0.19	0.17	0.22	0.22	0.23	0.21	0.2	0.19	0.19	0.16

Working Capital (USD)

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	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	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

Accounts Receivable Turnover	- -	2.38	2.03	2.42	22.98	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	153.06	179.48	150.83	15.88	- -	- -	- -	- -	- -	- -	- -
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

	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	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

Market Capitalization	15	24	29	26	36	39	41	35	47	39	27	- -
- Cash & Cash Equivalents	5	4	4	9	14	12	10	27	36	17	19	24
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1
+ Total Debt	7	10	14	10	3	3	4	2	11	23	30	30
Enterprise Value	16	29	39	27	25	30	35	10	22	45	37	4
Total Capital	24	30	37	34	53	56	58	60	72	86	92	92
Total Debt/Capital (%)	28.48	32.48	38.18	30.17	5.62	5.71	6	3.33	15.02	26.59	32.32	32.44
Total Debt / EV	0.43	0.33	0.36	0.38	0.12	0.11	0.1	0.21	0.49	0.51	0.8	6.87
EV/Sales	2.33	3.47	4.23	3.34	1.45	1.63	1.74	0.45	1.03	2.11	1.9	0.21
EV/EBITDA	61.37	115.89	132.28	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	7.96	8.88	12.02	- -	4.86	5.97	5.44	2.24	4.54	5.6	8.45	0.93
EV/Free Cash Flow to Firm	7.96	8.88	12.02	- -	4.68	5.59	5.16	1.92	4.26	5.36	7.74	0.91
Diluted Market Cap	15	24	29	26	36	39	41	35	47	39	27	35
Diluted Enterprise Value	16	29	39	27	25	30	35	10	22	45	37	39
EV per Share	12.58	21.62	28.59	19.54	19.14	22.58	26.02	7.25	16.69	34.94	29.11	- -
TTM Sales	7	8	9	8	18	18	20	21	21	21	20	21
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	3	3	- -	5	5	6	4	5	8	4	5
TTM Free Cash Flow to Firm	2	3	3	- -	5	5	7	5	5	8	5	5

Multiples (USD)

API ChatGPT

	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	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

Price/Free Cash Flow	7.24	7.15	8.98	- -	6.63	7.22	6.19	6.97	9.1	4.71	5.62	7.26
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	16	29	39	27	25	30	35	10	22	45	37	4
Low Price	13.38	18	26	29.25	29.1	32.55	34.8	25.9	29.85	33.15	21.55	20.3
EV/Sales	2.33	3.47	4.23	3.34	1.45	1.63	1.74	0.45	1.03	2.11	1.9	0.21
EV/EBITDA	61.37	115.89	132.28	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	6.38	8.07	9.89	13.07	18.29	13.23	12.05	7.92	10.98	12.9	14.39	- -
Price/Earnings Average	5.05	6.7	9.33	14.56	17.02	13.13	11.76	7.84	10.08	14.43	16.79	- -
Price/Earnings High	10.18	12.75	16.67	23.26	22.92	16.65	14.47	11.34	14.79	16.73	22.79	- -
Price/Earnings Low	7.47	8.35	12.04	20.31	19.62	14.75	13.43	7.78	9.2	13.92	14.66	- -
Price/Book Value	0.85	1.17	1.28	1.1	0.71	0.74	0.76	0.6	0.76	0.62	0.43	- -
Price/Book Value Average	0.67	0.97	1.21	1.22	0.66	0.73	0.74	0.6	0.7	0.7	0.5	- -
Price/Book Value High	1.36	1.85	2.16	1.95	0.89	0.93	0.91	0.86	1.03	0.81	0.68	- -
Price/Book Value Low	0.99	1.21	1.56	1.71	0.77	0.82	0.84	0.59	0.64	0.67	0.44	- -
Price/Tangible Book Value	0.78	1.05	1.25	1.05	0.74	0.75	0.73	0.56	0.76	0.88	0.55	- -
Price/Tangible Book Value Average	0.62	0.87	1.18	1.17	0.69	0.74	0.71	0.56	0.7	0.98	0.65	- -
Price/Tangible Book Value High	1.25	1.67	2.1	1.87	0.92	0.94	0.88	0.81	1.02	1.14	0.88	- -
Price/Tangible Book Value Low	0.91	1.09	1.52	1.63	0.79	0.84	0.82	0.55	0.64	0.95	0.56	- -
Price/Sales	2.12	2.8	3.16	3.21	2.06	2.11	2.09	1.65	2.2	1.85	1.38	- -
Price/Sales Average	1.67	2.32	2.98	3.58	1.91	2.09	2.04	1.64	2.02	2.07	1.61	- -
Price/Sales High	3.38	4.42	5.33	5.72	2.58	2.65	2.5	2.37	2.96	2.41	2.19	- -
Price/Sales Low	2.48	2.89	3.85	4.99	2.21	2.35	2.32	1.62	1.84	2	1.41	- -
Price/Cash Flow	7.24	7.15	8.98	- -	6.89	7.72	6.52	8.15	9.68	4.92	6.14	- -
Price/Cash Flow Average	5.72	5.94	8.47	- -	6.41	7.66	6.37	8.07	8.89	5.51	7.16	- -
Price/Cash Flow High	11.54	11.3	15.13	- -	8.63	9.72	7.83	11.67	13.05	6.39	9.72	- -
Price/Cash Flow Low	8.46	7.4	10.93	- -	7.39	8.61	7.27	8.01	8.11	5.32	6.26	- -
Price/Free Cash Flow Average	5.72	5.94	8.47	- -	6.17	7.17	6.04	6.91	8.35	5.27	6.56	6.05
Price/Free Cash Flow High	11.54	11.3	15.13	- -	8.31	9.09	7.43	9.98	12.25	6.12	8.9	8.03
Price/Free Cash Flow Low	8.46	7.4	10.93	- -	7.11	8.05	6.9	6.85	7.62	5.09	5.73	5.46
EV/Sales Average	1.89	3	4.05	3.7	1.31	1.61	1.69	0.44	0.85	2.33	2.13	0.21
EV/Sales High	3.59	5.1	6.39	5.84	1.97	2.17	2.16	1.17	1.79	2.66	2.71	0.21
EV/Sales Low	2.69	3.57	4.91	5.11	1.6	1.87	1.98	0.43	0.67	2.26	1.93	0.21
EV/EBITDA Average	49.71	100.05	126.64	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	94.59	170.04	199.96	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	70.83	119.11	153.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	11.44	17.4	21.37	18.83	27.12	29.19	31.23	26.36	35.63	30.71	21.16	27
High Price	18.25	27.5	36	33.5	33.99	36.75	37.5	37.75	48	39.85	33.5	29.88
Enterprise Value Average	13	25	37	30	23	30	34	9	18	49	42	4
Enterprise Value High	25	43	59	47	35	40	43	25	38	57	53	4
Enterprise Value Low	19	30	45	41	28	34	39	9	14	48	38	4

Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	5.4	6.22	6.76	5.86	13.18	13.87	14.97	15.95	16.22	16.56	15.32	- -
EBITDA per Share	0.21	0.19	0.22	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.79	2.16	2.16	1.44	1.48	2.21	2.59	3.33	3.25	2.38	1.47	- -
Basic EPS from Cont Ops	1.79	2.16	2.16	1.44	1.49	2.21	2.6	3.36	3.25	2.38	1.47	- -
Diluted EPS, GAAP	1.79	2.16	2.16	1.44	1.48	2.21	2.59	3.33	3.25	2.38	1.47	1.37
Diluted EPS from Cont Ops	1.79	2.16	2.16	1.44	1.49	2.21	2.6	3.36	3.25	2.38	1.47	1.37
Dividend per Share	0.19	0.22	0.26	- -	0.72	0.73	0.81	0.85	0.9	0.94	0.94	- -
Cash Flow per Share	1.58	2.43	2.38	- -	3.94	3.78	4.79	3.23	3.68	6.24	3.44	- -
Free Cash Flow per Basic Share	1.58	2.43	2.38	- -	3.78	3.52	4.53	2.69	3.44	5.96	3.13	- -
Cash & Equivalents per Share	4.22	2.95	3.09	6.7	10.2	8.96	7.82	20.62	27.19	13.58	14.77	- -
Book Value per Share	13.46	14.89	16.69	17.14	37.98	39.49	41.28	43.76	46.7	49.16	49.02	- -
Tangible Book Value per Share	14.65	16.51	17.13	17.94	36.79	38.93	42.69	46.72	46.85	35.02	38.16	- -

Northumberland Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)