Oregon Bancorp, Inc. Financial Ratios — ORBN 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	2025 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	12/31/2025

Return on Common Equity (%)	- -	5.95	7.51	7.68	29.05	28.61	33.96	55.95	32.36	9.19	4.78	4.51	4.2
Return on Assets (%)	- -	0.62	0.88	0.88	3.23	3.38	4.5	8.5	5.54	1.7	0.89	0.78	0.7
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	5.94	7.51	6.64	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	23.04	27.45	26.33	27.52	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	19.52	22.71	26.33	27.52	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	30.35	35.43	30.68	-3.56	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	19.52	22.71	26.33	27.52	23.29	22.98	27.65	37.44	32.68	18.91	14.65	15.52	15.81
Profit Margin (%)	12.89	13.97	16.33	16.89	13.17	17.49	20.7	27.9	24.78	14.7	11.09	12.12	12.47
Net Income to Common Margin (%)	12.89	13.97	16.33	16.89	13.17	17.49	20.7	27.9	24.78	14.7	11.09	12.12	12.47
Effective Tax Rate (%)	33.93	38.49	37.99	38.63	43.44	23.88	25.11	25.47	24.18	22.26	24.28	21.91	21.17
Dvd Payout Ratio (%)	- -	- -	- -	- -	35.7	29.95	28.93	16.11	51.55	145.03	108.64	67.5	62.17
Sustainable Growth Rate (%)	- -	5.95	7.51	7.68	18.68	20.04	24.14	46.94	15.68	-4.14	-0.41	1.47	1.59

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	2025 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	12/31/2025

Total Debt	- -	- -	- -	3	1	1	3	51	2	2	2	57	39
ST Debt	- -	- -	- -	3	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	1	1	3	51	2	2	2	57	39
Total Debt/EBITDA	- -	- -	- -	2.53	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-6.04	-2.33	-1.69	-0.52	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	2.53	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-7.13	-2.81	-1.69	-0.52	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.94	10.09	13.05	10.5	11.43	12.16	14.25	15.85	18.38	18.53	18.76	16.11	17.08
Long-Term Debt/Equity (%)	- -	- -	- -	- -	5	3.44	7.86	80.88	2.87	3.36	2.6	77.7	50.7
Long-Term Debt/Capital (%)	- -	- -	- -	- -	4.76	3.32	7.29	44.72	2.79	3.19	2.5	42.99	33.43
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	0.57	0.42	1.12	12.82	0.53	0.61	0.48	12.15	8.58
Total Debt/Equity (%)	- -	- -	- -	27.93	5	3.44	7.86	80.88	2.87	3.36	2.6	77.7	50.7
Total Debt/Capital (%)	- -	- -	- -	21.82	4.76	3.32	7.29	44.72	2.79	3.19	2.5	42.99	33.43
Total Debt/Total Assets (%)	- -	- -	- -	2.93	0.57	0.42	1.12	12.82	0.53	0.61	0.48	12.15	8.58
Net Debt to Equity	-42.88	-26.44	-16.96	-5.78	-92.37	-155.37	-45.87	-44.44	-95.44	-107.72	-33.19	-57.9	-42.37
Net Debt/Capital (%)	-75.6	-35.95	-20.38	-6.13	-731.83	299.17	-74.01	-32.57	-1,260	4,244.34	-46.73	-47.13	-38.77
EBITDA	- -	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	1	1	1	- -	- -	-1	-1	-1	-1	- -	- -	- -
Operating Income (Loss)	- -	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (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	2025 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	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.94	10.09	13.05	10.5	11.43	12.16	14.25	15.85	18.38	18.53	18.76	16.11	17.08
Long-Term Debt/Equity (%)	- -	- -	- -	- -	5	3.44	7.86	80.88	2.87	3.36	2.6	77.7	50.7
Long-Term Debt/Capital (%)	- -	- -	- -	- -	4.76	3.32	7.29	44.72	2.79	3.19	2.5	42.99	33.43
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	0.57	0.42	1.12	12.82	0.53	0.61	0.48	12.15	8.58
Total Debt/Equity (%)	- -	- -	- -	27.93	5	3.44	7.86	80.88	2.87	3.36	2.6	77.7	50.7
Total Debt/Capital (%)	- -	- -	- -	21.82	4.76	3.32	7.29	44.72	2.79	3.19	2.5	42.99	33.43
Total Debt/Total Assets (%)	- -	- -	- -	2.93	0.57	0.42	1.12	12.82	0.53	0.61	0.48	12.15	8.58
CFO/Total Liabilities	1.26	1.45	- -	- -	0.57	5.38	-5.82	-10.67	25.77	14.26	4.21	0.9	0.9
CFO/CapEx	- -	- -	- -	- -	4.64	36.02	-24.01	-65.97	116.74	87.62	- -	- -	- -
Altman's Z-Score	0.1	0.12	0.14	0.15	0.38	0.39	0.5	0.62	0.59	0.46	0.37	0.31	0.33

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	2025 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	12/31/2025

Accounts Receivable Turnover	- -	12.26	33.11	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	29.78	11.02	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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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	2003 Y	2004 Y	2005 Y	2006 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	12/31/2017	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	4	4	4	9	37	41	67	111	101	82	51	55	65
- Cash & Cash Equivalents	2	1	1	4	22	46	18	28	72	79	24	43	32
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	3	1	1	3	51	2	2	2	57	39
Enterprise Value	1	2	3	8	17	-3	52	134	31	6	29	70	71
Total Capital	5	5	8	14	25	30	41	113	78	77	76	133	116
Total Debt/Capital (%)	- -	- -	- -	21.82	4.76	3.32	7.29	44.72	2.79	3.19	2.5	42.99	33.43
Total Debt / EV	- -	- -	- -	0.35	0.07	-0.3	0.06	0.38	0.07	0.43	0.07	0.82	0.54
EV/Sales	0.84	1.02	0.92	1.97	0.44	- -	0.94	1.32	0.34	0.12	0.91	2.51	2.77
EV/EBITDA	3.67	3.72	3.48	7.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	4.33	4.5	3.48	7.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	2.56	3.27	- -	- -	16.11	- -	- -	- -	0.35	0.12	2.14	19.53	21.17
EV/Free Cash Flow to Firm	2.56	3.27	- -	- -	13.25	- -	- -	- -	0.35	0.12	2.14	19.53	21.17
Diluted Market Cap	4	4	4	9	39	43	68	112	101	82	51	56	65
Diluted Enterprise Value	1	2	3	8	18	-2	53	134	31	6	29	70	71
EV per Share	1.07	1.83	2.3	6.8	7.82	- -	23.46	58.77	13.13	2.36	11.93	28.54	28.67
TTM Sales	2	2	3	4	38	43	56	101	90	47	32	28	26
TTM EBITDA	- -	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	- -	- -	1	11	-13	-36	87	47	14	4	3
TTM Free Cash Flow to Firm	1	1	- -	- -	1	12	-13	-35	87	47	14	4	3

Multiples (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	2025 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	12/31/2025

Price/Free Cash Flow	6.76	5.32	- -	- -	31.12	3.67	-5.26	-3.19	1.15	1.73	3.79	15.58	19.28
EV/EBIT	4.33	4.5	3.48	7.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	1	2	3	8	17	-3	52	134	31	6	29	70	71
Low Price	2.33	2.83	5.3	6.6	9.1	14.83	17.76	23.5	39.6	30.3	19.6	17.5	18.3
EV/Sales	0.84	1.02	0.92	1.97	0.44	- -	0.94	1.32	0.34	0.12	0.91	2.51	2.77
EV/EBITDA	3.67	3.72	3.48	7.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	17.34	11.89	8.33	12.52	7.46	5.47	5.82	3.93	4.5	11.89	14.46	16.41	20.23
Price/Earnings Average	17.07	12.12	8.04	9.52	5.28	5.43	4.57	2.49	4.82	12.6	17.5	14.69	15.93
Price/Earnings High	26.81	22.67	16.12	14.47	7.46	7.19	5.82	3.93	5.96	16.57	23.31	19.26	20.92
Price/Earnings Low	14.31	11.28	12.95	11.32	3.88	4.27	3.45	1.9	4.14	10.59	13.44	12.7	14.18
Price/Book Value	0.69	0.69	0.52	0.85	1.58	1.41	1.74	1.77	1.33	1.1	0.69	0.73	0.84
Price/Book Value Average	0.68	0.7	0.5	0.64	1.12	1.4	1.37	1.12	1.43	1.17	0.84	0.66	0.66
Price/Book Value High	1.07	1.31	1	0.98	1.58	1.85	1.74	1.77	1.76	1.54	1.12	0.86	0.87
Price/Book Value Low	0.57	0.65	0.81	0.77	0.82	1.1	1.03	0.85	1.23	0.98	0.64	0.57	0.59
Price/Tangible Book Value	0.69	0.69	0.52	0.85	1.58	1.41	1.74	1.77	1.33	1.12	0.7	0.75	0.85
Price/Tangible Book Value Average	0.68	0.7	0.5	0.65	1.12	1.4	1.37	1.12	1.43	1.19	0.85	0.68	0.67
Price/Tangible Book Value High	1.07	1.31	1.01	0.98	1.58	1.85	1.74	1.77	1.77	1.56	1.13	0.89	0.88
Price/Tangible Book Value Low	0.57	0.65	0.81	0.77	0.82	1.1	1.03	0.85	1.23	1	0.65	0.58	0.59
Price/Sales	2.24	1.66	1.36	2.11	0.98	0.96	1.21	1.1	1.11	1.75	1.6	1.99	2.52
Price/Sales Average	2.2	1.69	1.31	1.61	0.7	0.95	0.95	0.69	1.19	1.85	1.94	1.78	1.99
Price/Sales High	3.46	3.17	2.63	2.44	0.98	1.26	1.21	1.1	1.48	2.44	2.59	2.33	2.61
Price/Sales Low	1.85	1.58	2.11	1.91	0.51	0.75	0.71	0.53	1.03	1.56	1.49	1.54	1.77
Price/Cash Flow	6.76	5.32	- -	- -	36.03	3.61	-4.98	-3.13	1.16	1.75	3.79	15.47	19.28
Price/Cash Flow Average	6.66	5.42	- -	- -	25.51	3.59	-3.91	-1.98	1.25	1.85	4.58	13.85	15.18
Price/Cash Flow High	10.46	10.14	- -	- -	36.03	4.76	-4.98	-3.13	1.54	2.44	6.1	18.15	19.94
Price/Cash Flow Low	5.58	5.04	- -	- -	18.74	2.82	-2.95	-1.51	1.07	1.56	3.52	11.97	13.51
Price/Free Cash Flow Average	6.66	5.42	- -	- -	22.03	3.64	-4.13	-2.02	1.24	1.83	4.58	13.95	15.18
Price/Free Cash Flow High	10.46	10.14	- -	- -	31.12	4.82	-5.26	-3.19	1.53	2.41	6.1	18.28	19.94
Price/Free Cash Flow Low	5.58	5.04	- -	- -	16.18	2.86	-3.11	-1.54	1.06	1.54	3.52	12.06	13.51
EV/Sales Average	0.81	1.05	0.87	1.46	0.15	- -	0.68	0.92	0.42	0.23	1.24	2.3	2.23
EV/Sales High	2.07	2.53	2.19	2.3	0.44	0.22	0.94	1.32	0.7	0.81	1.89	2.86	2.86
EV/Sales Low	0.45	0.94	1.67	1.77	- -	- -	0.45	0.75	0.25	- -	0.79	2.06	2.02
EV/EBITDA Average	3.51	3.84	3.3	5.32	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	8.97	9.21	8.31	8.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	1.97	3.41	6.34	6.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	4.15	4.64	3.3	5.32	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	10.59	11.13	8.31	8.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	2.33	4.12	6.34	6.42	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	2.83	2.98	3.41	7.3	17.5	19	30	48.75	42.99	34	21.09	22.61	26.11
High Price	4.37	5.68	6.6	8.44	17.5	25	30	48.75	57	47.4	33.99	26.53	27
Enterprise Value Average	1	2	3	6	6	-4	38	93	38	11	40	64	58
Enterprise Value High	3	6	7	10	17	10	52	134	64	38	60	80	74
Enterprise Value Low	1	2	5	8	-1	-12	25	76	23	-3	25	57	52

Shares Outstanding	1	1	1	1	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	1	1	1	1	2	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	1	1	1	1	2	2	2	2	2	2	2	2	2
Revenue per Share	1.26	1.79	2.51	3.45	17.81	19.87	24.89	44.43	38.58	19.46	13.14	11.37	10.35
EBITDA per Share	0.29	0.49	0.66	0.95	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.25	0.41	0.66	0.95	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.16	0.25	0.41	0.58	2.35	3.48	5.15	12.4	9.56	2.86	1.46	1.38	1.29
Basic EPS from Cont Ops	0.16	0.25	0.41	0.58	2.35	3.48	5.15	12.4	9.56	2.86	1.46	1.38	1.29
Diluted EPS, GAAP	0.16	0.25	0.41	0.58	2.24	3.33	5.1	12.37	9.54	2.86	1.46	1.37	1.29
Diluted EPS from Cont Ops	0.16	0.25	0.41	0.58	2.24	3.33	5.1	12.37	9.54	2.86	1.46	1.37	1.29
Dividend per Share	- -	- -	- -	- -	0.84	1.04	1.49	2	4.93	4.15	1.58	0.93	0.8
Cash Flow per Share	0.42	0.56	- -	- -	0.49	5.26	-6.02	-15.58	36.99	19.44	5.57	1.46	1.35
Free Cash Flow per Basic Share	0.42	0.56	- -	- -	0.38	5.11	-6.27	-15.82	36.67	19.21	5.57	1.46	1.35
Cash & Equivalents per Share	1.76	1.15	1.11	2.9	10.23	21	7.89	12.22	30.79	32.66	9.94	17.35	13.03
Book Value per Share	4.08	4.34	6.57	8.61	11.07	13.52	17.2	27.49	32.31	30.87	30.44	30.88	31.06
Tangible Book Value per Share	4.1	4.34	6.56	8.61	11.07	13.52	17.2	27.49	32.26	30.32	29.96	29.96	30.76

Oregon Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)