Oakworth Capital Inc. Financial Ratios — OAKC Stock

Profitability (USD)

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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 (%)	- -	9.97	8.23	10.82	11.05	4.37	13.42	14.45
Return on Assets (%)	- -	1.19	0.9	1.01	0.9	0.32	0.93	1.03
Return on Capital (%)	- -	9.97	8.23	10.82	9.03	3.03	9.43	10.52
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	31.77	32.28	28.34	33.23	29.14	9.87	29.27	31.01
Profit Margin (%)	24.76	26.02	22.01	25.45	22.21	7.81	22.27	23.89
Net Income to Common Margin (%)	24.76	26.02	22.01	25.45	22.21	7.81	22.27	23.89
Effective Tax Rate (%)	22.08	19.4	22.34	23.39	23.78	20.81	23.9	22.95
Dvd Payout Ratio (%)	9.41	11.85	16.09	13.32	16.75	46.76	14	11.29
Sustainable Growth Rate (%)	- -	8.79	6.91	9.38	9.2	2.33	11.54	12.82

Credit (USD)

Credit Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	- -	- -	47	48	52	51
ST Debt	- -	- -	- -	- -	- -	- -	5	4
LT Debt	- -	- -	- -	- -	47	48	47	46
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	12.24	11.74	10.31	8.64	7.76	6.91	6.98	7.27
Long-Term Debt/Equity (%)	- -	- -	- -	- -	45.03	43.38	37.42	30.99
Long-Term Debt/Capital (%)	- -	- -	- -	- -	31.05	30.26	26.46	23.13
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	3.49	3	2.61	2.25
Total Debt/Equity (%)	- -	- -	- -	- -	45.03	43.38	41.42	33.97
Total Debt/Capital (%)	- -	- -	- -	- -	31.05	30.26	29.29	25.36
Total Debt/Total Assets (%)	- -	- -	- -	- -	3.49	3	2.89	2.47
Net Debt to Equity	-96.55	-114.26	-125.04	-314.79	-147.01	-112.8	-68.69	-105.01
Net Debt/Capital (%)	-2,797.79	801.39	499.35	146.56	421.67	25,654.03	-166.52	-3,695.04
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	12.24	11.74	10.31	8.64	7.76	6.91	6.98	7.27
Long-Term Debt/Equity (%)	- -	- -	- -	- -	45.03	43.38	37.42	30.99
Long-Term Debt/Capital (%)	- -	- -	- -	- -	31.05	30.26	26.46	23.13
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	3.49	3	2.61	2.25
Total Debt/Equity (%)	- -	- -	- -	- -	45.03	43.38	41.42	33.97
Total Debt/Capital (%)	- -	- -	- -	- -	31.05	30.26	29.29	25.36
Total Debt/Total Assets (%)	- -	- -	- -	- -	3.49	3	2.89	2.47
CFO/Total Liabilities	2.35	1.58	0.93	1.3	1.26	1.27	1.29	1.33
CFO/CapEx	7.49	12.79	27.81	15.43	57.02	7.53	31.12	249.59
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	16.1	15.07	17.47	15.59	11.35	10.93	11.88
Days Sales Outstanding	- -	22.67	24.22	20.9	23.41	32.17	33.4	30.72
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

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	- -	- -	- -	144	154	190
- Cash & Cash Equivalents	72	97	118	328	187	159	125	195
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	47	48	52	51
Enterprise Value	- -	- -	- -	- -	- -	-109	-75	-154
Total Capital	75	85	94	104	150	158	176	199
Total Debt/Capital (%)	- -	- -	- -	- -	31.05	30.26	29.29	25.36
Total Debt / EV	- -	- -	- -	- -	- -	-0.44	-0.69	-0.33
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	143	154	190
Diluted Enterprise Value	- -	- -	- -	- -	- -	-110	-76	-154
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	28	31	33	42	52	60	71	83
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	13	10	8	14	16	19	21	25
TTM Free Cash Flow to Firm	11	9	7	13	15	16	21	25

Multiples (USD)

Valuation Multiples API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	- -	- -	- -	8.79	7.4	7.54
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	-109	-75	-154
Low Price	- -	- -	- -	- -	- -	29	22.76	29.6
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	30.67	9.75	9.57
Price/Earnings Average	- -	- -	- -	- -	- -	34.84	8.82	8.06
Price/Earnings High	- -	- -	- -	- -	- -	41.58	11.15	10.15
Price/Earnings Low	- -	- -	- -	- -	- -	30.15	7.05	7.36
Price/Book Value	- -	- -	- -	- -	- -	1.3	1.24	1.28
Price/Book Value Average	- -	- -	- -	- -	- -	1.48	1.12	1.08
Price/Book Value High	- -	- -	- -	- -	- -	1.77	1.41	1.36
Price/Book Value Low	- -	- -	- -	- -	- -	1.28	0.89	0.98
Price/Tangible Book Value	- -	- -	- -	- -	- -	1.3	1.24	1.28
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	1.48	1.12	1.08
Price/Tangible Book Value High	- -	- -	- -	- -	- -	1.77	1.41	1.36
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	1.28	0.89	0.98
Price/Sales	- -	- -	- -	- -	- -	2.4	2.17	2.29
Price/Sales Average	- -	- -	- -	- -	- -	2.72	1.97	1.93
Price/Sales High	- -	- -	- -	- -	- -	3.25	2.48	2.43
Price/Sales Low	- -	- -	- -	- -	- -	2.36	1.57	1.76
Price/Cash Flow	- -	- -	- -	- -	- -	7.62	7.16	7.49
Price/Cash Flow Average	- -	- -	- -	- -	- -	8.66	6.48	6.31
Price/Cash Flow High	- -	- -	- -	- -	- -	10.33	8.19	7.94
Price/Cash Flow Low	- -	- -	- -	- -	- -	7.49	5.18	5.76
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	9.99	6.7	6.35
Price/Free Cash Flow High	- -	- -	- -	- -	- -	11.92	8.46	8
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	8.64	5.35	5.8
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	- -	- -	- -	- -	- -	29.5	31.5	38.5
High Price	- -	- -	- -	- -	- -	40	36	40.84
Enterprise Value Average	- -	- -	- -	- -	- -	-90	-90	-184
Enterprise Value High	- -	- -	- -	- -	- -	-58	-53	-142
Enterprise Value Low	- -	- -	- -	- -	- -	-112	-118	-198

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	5	5	5	5	5	5	5	5
Diluted Weighted Avg Shares	5	5	5	5	5	5	5	5
Basic Weighted Avg Shares	5	5	5	5	5	5	5	5
Revenue per Share	5.84	6.34	6.93	8.74	10.74	12.31	14.5	16.84
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.45	1.65	1.52	2.22	2.38	0.96	3.23	4.02
Basic EPS from Cont Ops	1.45	1.65	1.52	2.22	2.38	0.96	3.23	4.02
Diluted EPS, GAAP	1.42	1.62	1.5	2.19	2.34	0.96	3.23	4.01
Diluted EPS from Cont Ops	1.42	1.62	1.5	2.19	2.34	0.96	3.23	4.01
Dividend per Share	0.14	0.2	0.25	0.3	0.4	0.45	0.45	0.45
Cash Flow per Share	2.63	2.07	1.57	2.98	3.23	3.87	4.4	5.14
Free Cash Flow per Basic Share	2.28	1.91	1.51	2.79	3.17	3.36	4.26	5.12
Cash & Equivalents per Share	25.34	32.46	40.61	89.34	65.64	61.71	57.37	79.85
Book Value per Share	15.46	17.41	19.38	21.48	21.37	22.61	25.45	30.1
Tangible Book Value per Share	15.3	17.27	19.26	21.39	21.37	22.61	25.45	30.1