Northway Financial, Inc. Financial Ratios — NWYF Stock

Profitability (USD)

	2005 Y	2006 Y	2008 Y	2009 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2005	12/31/2006	12/31/2008	12/31/2009	12/31/2013	12/31/2014	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

Return on Common Equity (%)	4.86	5.66	-1.86	3.41	10.35	9.85	7.58	4.68	8.11	3.15	9.48	5.08	8.57	2.37	5.02
Return on Assets (%)	0.42	0.5	-0.16	0.27	0.84	0.86	0.7	0.44	0.82	0.32	1.01	0.51	0.79	0.21	0.45
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	1.65	1.96	- -	- -	3.91	4.03	3.59	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	21.85	22.49	-9.64	9.29	28.01	30.11	30.01	3.89	3.62	3.91	3	3.01	2.4	2.66	2.49
Operating Margin (%)	12.94	13.77	-18.61	3.44	24.69	26.66	26.13	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	199.61	39.07	- -	53.96	76.79	-70.55	30.95	1,090.63	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	12.94	13.77	-18.61	3.44	24.69	26.66	26.13	14.82	27.56	8.7	27.54	15.83	27.37	7.5	16.96
Profit Margin (%)	9.84	11.45	-5.61	7.27	18.32	20.37	18.9	11.99	20.62	9.39	22.87	13.73	22.45	7.32	15.38
Net Income to Common Margin (%)	9.84	11.45	-5.61	7.27	17.68	19.76	18.21	11.99	20.62	9.39	22.87	13.73	22.45	7.32	15.38
Effective Tax Rate (%)	23.95	16.86	- -	- -	25.82	23.59	27.66	19.07	25.17	- -	16.95	13.28	18	2.51	9.33
Dvd Payout Ratio (%)	39.96	36.21	-128.69	21.2	25.8	23.12	29.12	43.86	24.2	65.55	20.75	36.73	20.69	72	33.37
Sustainable Growth Rate (%)	2.92	3.61	-4.26	2.69	7.68	7.57	5.37	2.63	6.15	1.08	7.51	3.21	6.79	0.66	3.34

Credit (USD)

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	2005 Y	2006 Y	2008 Y	2009 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2005	12/31/2006	12/31/2008	12/31/2009	12/31/2013	12/31/2014	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

Total Debt	115	110	139	119	116	100	100	71	74	128	21	21	21	76	146
ST Debt	9	36	43	35	35	35	44	51	53	93	- -	- -	- -	- -	- -
LT Debt	106	74	96	84	81	65	56	21	21	34	21	21	21	76	146
Total Debt/EBITDA	19.37	17.44	-73.92	45.82	10.55	8.64	9.67	54.56	57.99	104.38	16.92	17.96	20.77	77.64	155.58
Net Debt/EBITDA	16.91	14.9	-65.25	24.09	7.52	2.89	0.76	21.43	39.43	89.59	-46.55	-124.87	-73.65	56.37	86.52
Total Debt/EBIT	32.71	28.48	-38.31	123.72	11.97	9.76	11.11	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	28.56	24.32	-33.81	65.04	8.53	3.27	0.87	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.82	8.89	8.16	7.44	8.28	8.67	9.07	9.77	10.46	10.17	11.08	9.36	9	8.68	9.06
Long-Term Debt/Equity (%)	210.19	141.17	237.4	162.17	98.31	71.97	78.98	27.71	25.4	43.4	22.57	21.45	20.49	117.36	198.83
Long-Term Debt/Capital (%)	61.84	43.82	48.33	46.73	42.37	36.24	30.14	13.04	12.39	15.53	16.87	16.43	15.51	40.08	55.47
Long-Term Debt/Total Assets (%)	16.69	11.31	13.18	10.36	8.99	7.07	5.95	2.32	2.33	3.72	2.25	1.84	1.65	5.81	11.28
Total Debt/Equity (%)	228.82	211.16	344.28	230.57	141.46	110.3	141.62	95.63	91.15	160.74	22.57	21.45	20.49	117.36	198.83
Total Debt/Capital (%)	67.32	65.55	70.08	66.44	60.97	55.54	54.04	45	44.46	57.53	16.87	16.43	15.51	40.08	55.47
Total Debt/Total Assets (%)	18.17	16.92	19.11	14.73	12.94	10.83	10.67	8	8.37	13.77	2.25	1.84	1.65	5.81	11.28
Net Debt to Equity	199.79	180.38	303.91	121.22	100.83	36.95	11.15	37.56	61.97	137.97	-62.09	-149.15	-72.67	85.2	110.58
Net Debt/Capital (%)	64.27	61.91	67.41	51	52.68	29.5	8.47	24.32	35.24	53.76	-126.5	372.89	-186.82	32.69	40.93
EBITDA	6	6	-2	3	11	12	10	1	1	1	1	1	1	1	1
EBITDA-CapEx	6	6	-2	2	8	10	10	- -	1	- -	1	1	1	1	1
Operating Income (Loss)	4	4	-4	1	10	10	9	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2005 Y	2006 Y	2008 Y	2009 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2005	12/31/2006	12/31/2008	12/31/2009	12/31/2013	12/31/2014	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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.82	8.89	8.16	7.44	8.28	8.67	9.07	9.77	10.46	10.17	11.08	9.36	9	8.68	9.06
Long-Term Debt/Equity (%)	210.19	141.17	237.4	162.17	98.31	71.97	78.98	27.71	25.4	43.4	22.57	21.45	20.49	117.36	198.83
Long-Term Debt/Capital (%)	61.84	43.82	48.33	46.73	42.37	36.24	30.14	13.04	12.39	15.53	16.87	16.43	15.51	40.08	55.47
Long-Term Debt/Total Assets (%)	16.69	11.31	13.18	10.36	8.99	7.07	5.95	2.32	2.33	3.72	2.25	1.84	1.65	5.81	11.28
Total Debt/Equity (%)	228.82	211.16	344.28	230.57	141.46	110.3	141.62	95.63	91.15	160.74	22.57	21.45	20.49	117.36	198.83
Total Debt/Capital (%)	67.32	65.55	70.08	66.44	60.97	55.54	54.04	45	44.46	57.53	16.87	16.43	15.51	40.08	55.47
Total Debt/Total Assets (%)	18.17	16.92	19.11	14.73	12.94	10.83	10.67	8	8.37	13.77	2.25	1.84	1.65	5.81	11.28
CFO/Total Liabilities	0.74	0.9	1.04	0.08	1.74	1.37	0.82	0.93	0.89	1.04	0.53	0.68	0.87	1.14	-0.01
CFO/CapEx	- -	- -	18.54	0.73	4.82	8.19	45.57	6.87	15.45	8.79	- -	- -	- -	- -	- -
Altman's Z-Score	0.22	0.22	0.14	0.15	0.22	0.23	0.22	0.21	0.24	0.22	0.25	0.2	0.2	0.15	0.15

Working Capital (USD)

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	2005 Y	2006 Y	2008 Y	2009 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2005	12/31/2006	12/31/2008	12/31/2009	12/31/2013	12/31/2014	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

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)

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	2005 Y	2006 Y	2008 Y	2009 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2005	12/31/2006	12/31/2008	12/31/2009	12/31/2013	12/31/2014	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

Market Capitalization	31	31	18	12	35	43	47	60	72	66	80	69	82	- -	- -
- Cash & Cash Equivalents	15	16	16	56	33	67	92	43	24	18	77	164	94	21	65
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	115	110	139	119	116	100	100	71	74	128	21	21	21	76	146
Enterprise Value	132	125	141	74	-67	-145	-200	-173	-136	-50	-137	-247	-292	-234	-166
Total Capital	171	168	198	179	191	181	184	158	166	222	122	126	133	189	263
Total Debt/Capital (%)	67.32	65.55	70.08	66.44	60.97	55.54	54.04	45	44.46	57.53	16.87	16.43	15.51	40.08	55.47
Total Debt / EV	0.87	0.88	0.98	1.6	-1.74	-0.69	-0.5	-0.41	-0.54	-2.56	-0.15	-0.08	-0.07	-0.32	-0.88
EV/Sales	4.85	4.45	7.24	2.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	22.18	19.79	- -	28.71	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	37.46	32.31	- -	77.52	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	30.6	23.06	19.69	118.25	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	30.6	23.06	18.68	49.76	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	31	31	18	12	35	43	47	60	72	66	80	69	82	- -	- -
Diluted Enterprise Value	132	125	141	74	118	77	54	88	122	175	24	-75	9	55	81
EV per Share	39.93	38.05	51.2	27.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	27	28	19	28	39	39	34	33	35	31	41	38	41	37	38
TTM EBITDA	6	6	-2	3	11	12	10	1	1	1	1	1	1	1	1
TTM Operating Income	4	4	-4	1	10	10	9	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	5	7	1	14	11	7	8	7	9	4	7	10	14	- -
TTM Free Cash Flow to Firm	4	5	8	1	17	13	7	9	8	10	4	7	10	14	- -

Multiples (USD)

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	2005 Y	2006 Y	2008 Y	2009 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2005	12/31/2006	12/31/2008	12/31/2009	12/31/2013	12/31/2014	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

Price/Free Cash Flow	7.31	5.72	2.45	8	2.03	3.36	6.41	6.91	9.5	6.74	18.42	9.87	8.24	- -	- -
EV/EBIT	37.46	32.31	- -	77.52	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	132	125	141	74	-67	-145	-200	-173	-136	-50	-137	-247	-292	-234	-166
Low Price	13.78	14.89	9.65	4.16	11.71	16.5	20.15	20.29	26.5	28.2	28	21.7	27.5	20.55	15.5
EV/Sales	4.85	4.45	7.24	2.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	22.18	19.79	- -	28.71	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.7	9.6	- -	5.89	5	5.64	7.45	14.91	9.88	22.42	8.67	13.1	8.84	- -	- -
Price/Earnings Average	11.18	9.9	-22.29	6.78	4.44	5.19	7.22	12.07	8.94	24.71	7.76	11.98	8.31	- -	- -
Price/Earnings High	20.79	18.38	-42.88	13.84	6.98	7.58	9.64	18.37	12.19	31.14	10.15	19.02	9.75	- -	- -
Price/Earnings Low	17	15.21	-24.34	5.53	4.54	5.96	8.87	13.91	10.02	26.41	8.3	11.39	8.13	- -	- -
Price/Book Value	0.56	0.53	0.31	0.2	0.47	0.54	0.55	0.69	0.78	0.7	0.79	0.65	0.73	- -	- -
Price/Book Value Average	0.54	0.55	0.41	0.23	0.41	0.49	0.53	0.56	0.7	0.77	0.71	0.6	0.69	- -	- -
Price/Book Value High	1	1.02	0.79	0.47	0.65	0.72	0.71	0.85	0.96	0.97	0.93	0.95	0.81	- -	- -
Price/Book Value Low	0.81	0.84	0.45	0.19	0.42	0.57	0.65	0.64	0.79	0.82	0.76	0.57	0.67	- -	- -
Price/Tangible Book Value	0.82	0.78	0.65	0.3	0.48	0.53	0.77	0.93	1.01	0.95	0.99	0.8	0.91	- -	- -
Price/Tangible Book Value Average	0.78	0.81	0.85	0.34	0.43	0.49	0.75	0.75	0.91	1.05	0.88	0.73	0.85	- -	- -
Price/Tangible Book Value High	1.46	1.5	1.64	0.7	0.67	0.72	1	1.15	1.25	1.32	1.16	1.16	1	- -	- -
Price/Tangible Book Value Low	1.19	1.24	0.93	0.28	0.44	0.56	0.92	0.87	1.02	1.12	0.95	0.69	0.83	- -	- -
Price/Sales	1.15	1.1	0.95	0.43	0.88	1.12	1.36	1.79	2.04	2.11	1.98	1.8	1.98	- -	- -
Price/Sales Average	1.1	1.13	1.25	0.49	0.78	1.02	1.32	1.45	1.84	2.32	1.78	1.65	1.87	- -	- -
Price/Sales High	2.04	2.11	2.4	1.01	1.23	1.5	1.76	2.2	2.51	2.93	2.32	2.61	2.19	- -	- -
Price/Sales Low	1.67	1.74	1.36	0.4	0.8	1.18	1.62	1.67	2.07	2.48	1.9	1.56	1.83	- -	- -
Price/Cash Flow	7.27	5.7	2.58	19.02	2.45	3.77	6.55	7.92	10.12	7.5	18.42	9.87	8.24	- -	- -
Price/Cash Flow Average	6.95	5.87	3.4	21.89	2.17	3.46	6.35	6.41	9.15	8.27	16.49	9.03	7.74	- -	- -
Price/Cash Flow High	12.92	10.91	6.54	44.65	3.41	5.06	8.48	9.76	12.48	10.42	21.57	14.34	9.09	- -	- -
Price/Cash Flow Low	10.56	9.03	3.71	17.86	2.22	3.98	7.8	7.39	10.26	8.84	17.63	8.58	7.58	- -	- -
Price/Free Cash Flow Average	6.98	5.9	3.22	9.21	1.8	3.09	6.21	5.6	8.6	7.43	16.49	9.03	7.74	- -	- -
Price/Free Cash Flow High	12.99	10.96	6.2	18.79	2.83	4.51	8.29	8.52	11.73	9.36	21.57	14.34	9.09	- -	- -
Price/Free Cash Flow Low	10.62	9.07	3.52	7.52	1.84	3.55	7.63	6.45	9.64	7.94	17.63	8.58	7.58	- -	- -
EV/Sales Average	4.79	4.48	7.54	2.73	2.89	1.9	1.54	2.28	3.27	5.83	0.38	- -	0.1	1.5	2.16
EV/Sales High	5.74	5.46	8.7	3.24	3.34	2.37	1.99	3.04	3.94	6.43	0.92	- -	0.42	1.5	2.16
EV/Sales Low	5.37	5.09	7.66	2.64	2.91	2.05	1.84	2.5	3.49	5.98	0.5	- -	0.06	1.5	2.16
EV/EBITDA Average	21.95	19.94	-78.21	29.4	10.32	6.3	5.14	58.59	90.41	148.97	12.58	-70.13	4.21	56.37	86.52
EV/EBITDA High	26.27	24.26	-90.19	34.93	11.93	7.87	6.61	77.98	108.97	164.41	30.77	-37.98	17.71	56.37	86.52
EV/EBITDA Low	24.57	22.64	-79.4	28.43	10.39	6.81	6.15	64.25	96.57	153.04	16.66	-72.86	2.55	56.37	86.52
EV/EBIT Average	37.06	32.55	-40.53	79.4	11.71	7.11	5.91	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	44.37	39.61	-46.74	94.32	13.53	8.89	7.6	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	41.49	36.97	-41.15	76.76	11.79	7.69	7.06	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	9.48	9.4	6.72	4.43	12.9	15.62	16.93	21.75	26.14	23.94	29.25	24.96	29.89	19.17	17.62
High Price	16.85	18	17	10.4	18	20.99	21.9	26.8	32.25	33.25	34.25	36.25	32.97	36.75	25
Enterprise Value Average	130	126	147	76	114	73	53	76	115	182	15	-81	4	55	81
Enterprise Value High	156	153	169	91	131	91	68	102	139	201	38	-44	18	55	81
Enterprise Value Low	146	143	149	74	114	79	63	84	123	187	20	-84	3	55	81

Shares Outstanding	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	- -	- -
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	3	3	- -	- -
Revenue per Share	8.24	8.55	7.07	10.33	14.58	14.01	12.47	12.17	12.83	11.37	14.75	13.88	15.06	- -	- -
EBITDA per Share	1.8	1.92	-0.68	0.96	4.08	4.22	3.74	0.47	0.46	0.44	0.44	0.42	0.36	- -	- -
Operating Income per Share	1.07	1.18	-1.32	0.36	3.6	3.73	3.26	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.81	0.98	-0.4	0.75	2.58	2.77	2.27	1.46	2.64	1.07	3.37	1.91	3.38	- -	- -
Basic EPS from Cont Ops	0.81	0.98	-0.4	0.75	2.67	2.85	2.36	1.46	2.64	1.07	3.37	1.91	3.38	- -	- -
Diluted EPS, GAAP	0.81	0.97	-0.4	0.75	2.58	2.77	2.27	1.46	2.64	1.07	3.37	1.91	3.38	- -	- -
Diluted EPS from Cont Ops	0.81	0.97	-0.4	0.75	2.67	2.85	2.36	1.46	2.64	1.07	3.37	1.91	3.38	- -	- -
Dividend per Share	0.32	0.35	0.51	0.16	0.76	0.73	0.75	0.64	0.64	0.7	0.7	0.7	0.7	- -	- -
Cash Flow per Share	1.3	1.65	2.6	0.23	5.27	4.15	2.58	2.75	2.58	3.19	1.59	2.53	3.63	- -	- -
Free Cash Flow per Basic Share	1.3	1.65	2.46	-0.09	4.18	3.64	2.53	2.35	2.42	2.83	1.59	2.53	3.63	- -	- -
Cash & Equivalents per Share	4.42	4.89	5.91	20.85	80.76	104.79	125.81	110.55	102.41	88.49	86.43	122.14	143.62	- -	- -
Book Value per Share	16.93	17.62	21.51	22.2	27.58	29.16	30.78	31.6	33.6	34.25	36.92	38.13	40.81	- -	- -
Tangible Book Value per Share	11.55	12	10.34	14.86	26.67	29.35	21.89	23.4	25.88	25.25	29.6	31.32	32.97	- -	- -

Northway Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)