Neffs Bancorp, Inc. Financial Ratios — NEFBP Stock

Profitability (USD)

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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 (%)	- -	7.01	6.5	7.03	7.01	7.42	8.04	4.9	5.37	6.29	4.17	3.22	3.96
Return on Assets (%)	- -	1.31	1.22	1.31	1.27	1.28	1.46	0.91	0.93	0.97	0.63	0.49	0.6
Return on Capital (%)	- -	7.01	6.5	7.03	7.01	7.42	7.48	4.36	4.86	5.14	3.35	2.72	- -
Return on Invested Capital (%)	- -	7.01	6.5	7.03	5.89	6.52	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	61	57.6	56.29	57.76	44.46	46.23	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	58.28	54.1	52.93	55.02	49.62	49.57	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	239.72	2,433.33	69.01	19.05	48.86	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	58.28	54.1	52.93	55.02	49.62	49.57	47.62	37.64	39.46	39.94	28.19	22.19	24.5
Profit Margin (%)	49.07	46.13	44.16	43.22	38.24	38.58	41.79	34.33	35.37	35.48	26.7	22.1	24.62
Net Income to Common Margin (%)	49.07	46.13	44.16	43.22	38.24	38.58	41.35	33.86	34.94	35.09	26.2	21.62	24.19
Effective Tax Rate (%)	15.81	14.74	16.58	21.44	22.94	22.17	12.25	8.79	10.35	11.16	5.29	0.4	- -
Dvd Payout Ratio (%)	25.65	28.06	28.77	24.99	23.47	25.19	26.9	35.78	32.18	28.8	50.28	54.83	43.94
Sustainable Growth Rate (%)	- -	5.04	4.63	5.28	5.37	5.55	5.87	3.15	3.64	4.48	2.07	1.45	2.22

Credit (USD)

Credit Ratios API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	10	10	8	26	10	18	36
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	10	10	8	26	10	18	36
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-0.82	-0.67	-1.16	-0.64	-0.62	-1.85	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-0.86	-0.71	-1.24	-0.67	-0.66	-1.96	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	18.4	19.1	18.53	18.65	17.67	16.77	18.78	18.05	16.14	14.44	15.16	14.7	15.24
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	14.33	13.54	10.04	39	14.72	27.35	50.46
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	12.53	11.92	9.12	28.06	12.83	21.48	33.54
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	2.69	2.44	1.62	5.63	2.23	4.02	7.69
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	14.33	13.54	10.04	39	14.72	27.35	50.46
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	12.53	11.92	9.12	28.06	12.83	21.48	33.54
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	2.69	2.44	1.62	5.63	2.23	4.02	7.69
Net Debt to Equity	-7.94	-5.69	-9.58	-5.83	-5.01	-16.25	-3.81	-20.07	-40.87	-14	-6.43	-3.89	-7.15
Net Debt/Capital (%)	-8.63	-6.03	-10.59	-6.2	-5.28	-19.41	-3.45	-21.48	-59.07	-11.2	-5.94	-3.15	-4.99
EBITDA	4	4	3	4	4	4	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	3	3	3	4	3	4	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	4	3	3	4	4	4	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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	18.4	19.1	18.53	18.65	17.67	16.77	18.78	18.05	16.14	14.44	15.16	14.7	15.24
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	14.33	13.54	10.04	39	14.72	27.35	50.46
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	12.53	11.92	9.12	28.06	12.83	21.48	33.54
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	2.69	2.44	1.62	5.63	2.23	4.02	7.69
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	14.33	13.54	10.04	39	14.72	27.35	50.46
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	12.53	11.92	9.12	28.06	12.83	21.48	33.54
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	2.69	2.44	1.62	5.63	2.23	4.02	7.69
CFO/Total Liabilities	2.02	1.74	1.63	1.39	1.28	1.73	1.57	1.46	1.46	1.37	1.12	0.78	0.86
CFO/CapEx	8.55	17.91	63.74	15.72	7.74	30.56	14.89	8.66	20.4	9.42	24.04	10.1	1.61
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	3	2	4	3	2	8	3	15	31	9	4	3	5
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	10	10	8	26	10	18	36
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	39	41	42	45	46	47	81	84	82	94	79	86	108
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	12.53	11.92	9.12	28.06	12.83	21.48	33.54
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	6	6	6	7	8	9	11	10	11	13	11	10	11
TTM EBITDA	4	4	3	4	4	4	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	4	3	3	4	4	4	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	3	3	3	3	4	5	5	6	5	4	3	- -
TTM Free Cash Flow to Firm	3	3	3	3	2	4	4	4	5	5	4	3	- -

Multiples (USD)

Valuation Multiples API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Low Price	- -	- -	- -	- -	- -	- -	275.01	- -	- -	280	330	- -	268.75
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	280	- -	- -	500	330	- -	275
High Price	- -	- -	- -	- -	- -	- -	288	- -	- -	500	400	- -	275
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Per Share Data Items (USD)

Per-Share Data API ChatGPT

No data availableFinancial data will appear here once available