JD Bancshares, Inc. Financial Ratios — JDVB Stock

Profitability (USD)

	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	12/31/2015	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 (%)	- -	- -	8.27	11.93	10.54	7.68	11.02	15.28	10.01	17.38	13.96
Return on Assets (%)	- -	- -	0.74	1.08	1.02	0.66	0.83	0.93	0.54	1.14	1.06
Return on Capital (%)	- -	- -	5.93	8.05	8.51	6.32	8.25	10.31	5.47	8.62	8.78
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	17.74	12.96	20.08	25.63	23.68	18.93	26.99	27.74	15.62	29.41	27.79
Profit Margin (%)	14.06	10.54	15.1	21.21	19.86	16.29	22.61	23.16	13.81	24.8	22.73
Net Income to Common Margin (%)	14.06	10.54	15.1	21.21	19.86	16.29	22.61	23.16	13.81	24.8	22.73
Effective Tax Rate (%)	20.74	18.66	24.81	17.26	16.11	13.98	16.21	16.49	11.58	15.65	18.19
Dvd Payout Ratio (%)	59.27	80.69	55.06	37.09	41.13	51.11	28.8	28.24	56.13	29.2	31.5
Sustainable Growth Rate (%)	- -	- -	3.72	7.5	6.2	3.76	7.84	10.96	4.39	12.31	9.57

Credit (USD)

Credit Ratios API ChatGPT

	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	12/31/2015	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	- -	4	56	20	20	20	47	29	80	80	30
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	4	56	20	20	20	47	29	80	80	30
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	9.16	8.8	9.37	10.04	7.66	7.46	4.62	6.26	6.89	8.2
Long-Term Debt/Equity (%)	- -	5.04	72.63	25.14	22.7	20.35	46.31	51.57	107.03	96.64	28.97
Long-Term Debt/Capital (%)	- -	4.8	42.07	20.09	18.5	16.91	31.65	34.02	51.7	49.14	22.46
Long-Term Debt/Total Assets (%)	- -	0.46	6.39	2.36	2.28	1.56	3.46	2.38	6.7	6.66	2.37
Total Debt/Equity (%)	- -	5.04	72.63	25.14	22.7	20.35	46.31	51.57	107.03	96.64	28.97
Total Debt/Capital (%)	- -	4.8	42.07	20.09	18.5	16.91	31.65	34.02	51.7	49.14	22.46
Total Debt/Total Assets (%)	- -	0.46	6.39	2.36	2.28	1.56	3.46	2.38	6.7	6.66	2.37
Net Debt to Equity	- -	-58.45	12.08	-23.35	-24.96	-248.22	-145.54	-33.01	6.79	25.27	-41.19
Net Debt/Capital (%)	- -	-140.7	10.78	-30.46	-33.26	167.47	319.6	-49.27	6.36	20.17	-70.03
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	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	12/31/2015	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	- -	9.16	8.8	9.37	10.04	7.66	7.46	4.62	6.26	6.89	8.2
Long-Term Debt/Equity (%)	- -	5.04	72.63	25.14	22.7	20.35	46.31	51.57	107.03	96.64	28.97
Long-Term Debt/Capital (%)	- -	4.8	42.07	20.09	18.5	16.91	31.65	34.02	51.7	49.14	22.46
Long-Term Debt/Total Assets (%)	- -	0.46	6.39	2.36	2.28	1.56	3.46	2.38	6.7	6.66	2.37
Total Debt/Equity (%)	- -	5.04	72.63	25.14	22.7	20.35	46.31	51.57	107.03	96.64	28.97
Total Debt/Capital (%)	- -	4.8	42.07	20.09	18.5	16.91	31.65	34.02	51.7	49.14	22.46
Total Debt/Total Assets (%)	- -	0.46	6.39	2.36	2.28	1.56	3.46	2.38	6.7	6.66	2.37
CFO/Total Liabilities	- -	1.07	1.39	1.82	1.39	0.96	1.52	1.34	1.85	1.5	1.29
CFO/CapEx	3.44	2.67	7.13	6.91	7.33	6.54	7.95	4	17.07	8.09	1.48
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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	12/31/2015	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	- -	- -	14.61	15.26	14.15	10.55	10.34	11.02	9.63	11.11	11.28
Days Sales Outstanding	- -	- -	24.99	23.91	25.8	34.6	35.29	33.12	37.9	32.84	32.35
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

	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	12/31/2015	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	87	89	86	82	86	85	95	96	86	84	106
- Cash & Cash Equivalents	- -	47	46	39	42	265	194	48	75	59	72
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	4	56	20	20	20	47	29	80	80	30
Enterprise Value	87	-32	-46	-63	-88	-485	-524	-365	-270	-235	-274
Total Capital	- -	78	132	101	109	119	148	87	154	162	133
Total Debt/Capital (%)	- -	4.8	42.07	20.09	18.5	16.91	31.65	34.02	51.7	49.14	22.46
Total Debt / EV	- -	-0.12	-1.2	-0.32	-0.23	-0.04	-0.09	-0.08	-0.3	-0.34	-0.11
EV/Sales	2.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	7.28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	10.27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	88	89	86	82	78	85	95	96	86	84	107
Diluted Enterprise Value	88	-32	-47	-64	-96	-485	-524	-365	-270	-235	-274
EV per Share	25.57	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	41	40	41	44	45	44	49	52	48	55	57
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	12	8	11	14	11	11	19	16	21	17	15
TTM Free Cash Flow to Firm	9	5	10	12	10	10	17	12	19	15	5

Multiples (USD)

Valuation Multiples API ChatGPT

	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	12/31/2015	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	10.29	18.1	9	6.71	8.17	8.79	5.72	8.08	4.42	5.74	22.06
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	87	-32	-46	-63	-88	-485	-524	-365	-270	-235	-274
Low Price	23.64	23.64	23.64	23.18	24.09	21.36	21.01	26	23.89	19.61	23.57
EV/Sales	2.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	15.18	20.91	13.76	8.7	8.75	11.78	8.64	7.91	13.02	6.16	8.22
Price/Earnings Average	14.65	19.9	13.47	9.3	8.69	11.6	7.6	8.06	14.31	5.74	7.02
Price/Earnings High	16.19	20.91	14.33	10.43	9.19	13.42	9.18	8.47	18.19	6.31	8.43
Price/Earnings Low	14.03	19.07	13.01	8.45	8.39	10.17	6.54	7.34	12.42	4.93	6.24
Price/Book Value	- -	1.2	1.12	1.01	0.97	0.86	0.94	1.68	1.15	1.02	1.03
Price/Book Value Average	- -	1.15	1.1	1.08	0.96	0.85	0.83	1.71	1.27	0.95	0.88
Price/Book Value High	- -	1.2	1.17	1.21	1.02	0.98	1	1.8	1.61	1.04	1.06
Price/Book Value Low	- -	1.1	1.06	0.98	0.93	0.74	0.71	1.56	1.1	0.81	0.78
Price/Tangible Book Value	- -	1.29	1.19	1.07	1.02	0.9	0.98	1.81	1.22	1.07	1.08
Price/Tangible Book Value Average	- -	1.22	1.17	1.14	1.01	0.88	0.86	1.84	1.34	1	0.92
Price/Tangible Book Value High	- -	1.29	1.24	1.28	1.07	1.02	1.04	1.94	1.71	1.1	1.1
Price/Tangible Book Value Low	- -	1.17	1.13	1.04	0.98	0.77	0.74	1.68	1.16	0.86	0.82
Price/Sales	2.13	2.2	2.08	1.85	1.74	1.92	1.95	1.83	1.8	1.53	1.87
Price/Sales Average	2.06	2.1	2.03	1.97	1.73	1.89	1.72	1.87	1.98	1.42	1.6
Price/Sales High	2.28	2.2	2.16	2.21	1.82	2.19	2.08	1.96	2.51	1.56	1.92
Price/Sales Low	1.97	2.01	1.96	1.79	1.67	1.66	1.48	1.7	1.71	1.22	1.42
Price/Cash Flow	7.3	11.33	7.74	5.74	7.05	7.45	5	6.06	4.16	5.03	7.13
Price/Cash Flow Average	7.04	10.79	7.57	6.13	7.01	7.33	4.39	6.18	4.57	4.69	6.08
Price/Cash Flow High	7.78	11.33	8.05	6.88	7.4	8.48	5.31	6.5	5.81	5.15	7.31
Price/Cash Flow Low	6.74	10.34	7.32	5.57	6.76	6.43	3.78	5.63	3.96	4.03	5.41
Price/Free Cash Flow Average	9.93	17.23	8.81	7.17	8.11	8.66	5.03	8.23	4.85	5.35	18.84
Price/Free Cash Flow High	10.97	18.1	9.37	8.04	8.57	10.01	6.08	8.66	6.17	5.88	22.63
Price/Free Cash Flow Low	9.51	16.51	8.51	6.51	7.83	7.59	4.33	7.5	4.21	4.6	16.75
EV/Sales Average	2.06	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	2.27	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	1.97	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	25.57	25.91	25	23.89	25.12	24.75	27.75	28	25.05	24.5	31.05
High Price	27.27	25.91	26.02	28.64	26.36	28.18	29.5	30	35	25.07	31.85
Enterprise Value Average	84	-36	-48	-58	-88	-487	-535	-363	-261	-241	-289
Enterprise Value High	93	-32	-43	-47	-83	-474	-518	-358	-236	-233	-271
Enterprise Value Low	81	-39	-51	-66	-91	-497	-547	-372	-274	-252	-299

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	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	12/31/2015	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

Shares Outstanding	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
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3
Revenue per Share	11.98	11.76	12.03	12.94	14.45	12.9	14.2	15.29	13.93	16.02	16.62
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.68	1.24	1.82	2.74	2.87	2.1	3.21	3.54	1.92	3.97	3.78
Basic EPS from Cont Ops	1.68	1.24	1.82	2.74	2.87	2.1	3.21	3.54	1.92	3.97	3.78
Diluted EPS, GAAP	1.68	1.24	1.82	2.74	2.87	2.1	3.21	3.54	1.92	3.97	3.78
Diluted EPS from Cont Ops	1.68	1.24	1.82	2.74	2.87	2.1	3.21	3.54	1.92	3.97	3.78
Dividend per Share	1	1	1	1.02	1.18	1.07	0.93	1	1.08	1.16	1.19
Cash Flow per Share	3.5	2.29	3.23	4.16	3.56	3.32	5.55	4.62	6.03	4.87	4.36
Free Cash Flow per Basic Share	2.49	1.43	2.78	3.56	3.08	2.81	4.85	3.46	5.67	4.27	1.41
Cash & Equivalents per Share	- -	36.2	54.73	48.28	56.56	172.15	194.18	143.22	127.19	116.48	119.68
Book Value per Share	- -	21.51	22.29	23.6	25.89	28.79	29.51	16.69	21.75	24.12	30.1
Tangible Book Value per Share	- -	20.15	20.98	22.34	24.67	27.57	28.29	15.47	20.52	22.89	28.88