Partners Bank California Financial Ratios — PBKX 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 (%)	- -	6.77	6.27	11.79	8.25	9.48	11.12	9.92
Return on Assets (%)	- -	0.73	0.61	1.12	0.81	0.94	1.04	0.87
Return on Capital (%)	- -	3.18	2.83	5.39	3.71	4.88	6.54	7.11
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	21.79	28.01	20.86	41.91	31.92	36.71	43.62	38.66
Profit Margin (%)	14.93	18.52	14.34	29.57	22.38	25.55	30.29	26.91
Net Income to Common Margin (%)	14.93	18.52	14.34	29.57	22.38	25.55	30.29	26.91
Effective Tax Rate (%)	31.48	33.89	31.26	29.44	29.89	30.41	30.57	30.39
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	6.77	6.27	11.79	8.25	9.48	11.12	9.92

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	31	38	46	45	60	30	45	3
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	31	38	46	45	60	30	45	3
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	10.75	10.8	8.81	10.15	9.56	10.33	8.57	9.02
Long-Term Debt/Equity (%)	111.86	114.3	128.51	110.34	132.81	59.56	79.15	4.67
Long-Term Debt/Capital (%)	52.8	53.34	56.24	52.46	57.05	37.33	44.18	4.46
Long-Term Debt/Total Assets (%)	12.02	12.35	11.32	11.2	12.7	6.15	6.78	0.42
Total Debt/Equity (%)	111.86	114.3	128.51	110.34	132.81	59.56	79.15	4.67
Total Debt/Capital (%)	52.8	53.34	56.24	52.46	57.05	37.33	44.18	4.46
Total Debt/Total Assets (%)	12.02	12.35	11.32	11.2	12.7	6.15	6.78	0.42
Net Debt to Equity	-124.69	-186.37	-184.74	-209.02	-148.44	-162.98	-118.33	-117.68
Net Debt/Capital (%)	-143.03	-667.25	-422.02	-15,874.67	-175.95	4,756.6	-194.56	904.21
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	10.75	10.8	8.81	10.15	9.56	10.33	8.57	9.02
Long-Term Debt/Equity (%)	111.86	114.3	128.51	110.34	132.81	59.56	79.15	4.67
Long-Term Debt/Capital (%)	52.8	53.34	56.24	52.46	57.05	37.33	44.18	4.46
Long-Term Debt/Total Assets (%)	12.02	12.35	11.32	11.2	12.7	6.15	6.78	0.42
Total Debt/Equity (%)	111.86	114.3	128.51	110.34	132.81	59.56	79.15	4.67
Total Debt/Capital (%)	52.8	53.34	56.24	52.46	57.05	37.33	44.18	4.46
Total Debt/Total Assets (%)	12.02	12.35	11.32	11.2	12.7	6.15	6.78	0.42
CFO/Total Liabilities	1.21	1.19	1.17	1.51	1.06	1.29	1.11	0.07
CFO/CapEx	10.86	11.19	13.5	57.96	40.58	26.69	50.51	3.55
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

	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	29	39	43	46	49	49	45	53
- Cash & Cash Equivalents	35	62	66	85	67	82	67	76
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	31	38	46	45	60	30	45	3
Enterprise Value	26	15	23	6	42	-3	23	-20
Total Capital	59	71	82	86	105	80	102	67
Total Debt/Capital (%)	52.8	53.34	56.24	52.46	57.05	37.33	44.18	4.46
Total Debt / EV	1.21	2.49	2.01	7.32	1.44	-10.77	1.99	-0.15
EV/Sales	2.68	1.37	1.52	0.4	2.64	- -	1.15	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	9.19	4.68	5.28	1.13	9.19	- -	3.37	- -
EV/Free Cash Flow to Firm	10.12	5.14	5.71	1.15	9.42	- -	3.44	- -
Diluted Market Cap	30	38	44	48	50	51	46	55
Diluted Enterprise Value	26	14	24	8	43	-1	24	-18
EV per Share	7.03	3.55	5.32	1.42	9.41	- -	5.07	- -
TTM Sales	10	11	15	15	16	18	20	22
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	3	4	5	5	6	7	- -
TTM Free Cash Flow to Firm	3	3	4	5	4	5	7	- -

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	11.78	12.63	10.92	8.96	11.39	9.45	7.04	178.49
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	26	15	23	6	42	-3	23	-20
Low Price	8	8	7	9.1	10.5	10.6	8.84	9.4
EV/Sales	2.68	1.37	1.52	0.4	2.64	- -	1.15	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	20.47	17.94	19.86	10.21	13.71	10.86	7.54	8.93
Price/Earnings Average	23.33	16.91	18.99	9.78	13.58	10.76	7.32	7.98
Price/Earnings High	28.4	18.68	20.36	15.27	14.34	11.31	8.24	9.41
Price/Earnings Low	20.47	15.73	13.9	8.68	13.09	10.43	6.62	7.08
Price/Book Value	1.05	1.18	1.2	1.14	1.08	0.98	0.79	0.82
Price/Book Value Average	1.2	1.11	1.15	1.09	1.07	0.97	0.77	0.74
Price/Book Value High	1.46	1.23	1.23	1.7	1.13	1.02	0.86	0.87
Price/Book Value Low	1.05	1.04	0.84	0.97	1.03	0.94	0.69	0.65
Price/Tangible Book Value	1.05	1.18	1.2	1.14	1.08	0.98	0.79	0.82
Price/Tangible Book Value Average	1.2	1.11	1.15	1.09	1.07	0.97	0.77	0.74
Price/Tangible Book Value High	1.46	1.23	1.23	1.7	1.13	1.02	0.86	0.87
Price/Tangible Book Value Low	1.05	1.04	0.84	0.97	1.03	0.94	0.69	0.65
Price/Sales	3.06	3.32	2.85	3.02	3.07	2.77	2.28	2.4
Price/Sales Average	3.48	3.13	2.72	2.89	3.04	2.75	2.22	2.15
Price/Sales High	4.24	3.46	2.92	4.52	3.21	2.89	2.5	2.53
Price/Sales Low	3.06	2.91	1.99	2.57	2.93	2.66	2.01	1.91
Price/Cash Flow	10.46	11.33	9.93	8.46	10.7	8.74	6.69	126.01
Price/Cash Flow Average	11.92	10.68	9.49	8.11	10.59	8.65	6.49	112.58
Price/Cash Flow High	14.51	11.8	10.18	12.65	11.18	9.1	7.31	132.82
Price/Cash Flow Low	10.46	9.94	6.95	7.2	10.21	8.39	5.88	99.96
Price/Free Cash Flow Average	13.43	11.9	10.44	8.58	11.28	9.35	6.84	159.46
Price/Free Cash Flow High	16.35	13.15	11.2	13.39	11.91	9.84	7.7	188.13
Price/Free Cash Flow Low	11.78	11.08	7.65	7.62	10.87	9.07	6.19	141.58
EV/Sales Average	3.11	1.17	1.39	0.28	2.61	- -	1.08	- -
EV/Sales High	3.87	1.52	1.59	1.91	2.78	- -	1.36	- -
EV/Sales Low	2.68	0.94	0.66	- -	2.5	- -	0.87	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8	9.12	10	10.7	11	11.04	10.06	11.85
High Price	11.1	9.5	10.25	16	11.5	11.5	11	12.49
Enterprise Value Average	30	13	21	4	41	-3	21	-25
Enterprise Value High	37	17	24	29	44	-1	27	-17
Enterprise Value Low	26	10	10	-1	40	-5	17	-31

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	4	4	4	4	4	4	4	4
Diluted Weighted Avg Shares	4	4	4	4	5	5	5	5
Basic Weighted Avg Shares	4	4	4	4	4	4	4	5
Revenue per Share	2.62	2.75	3.51	3.54	3.58	3.98	4.41	4.93
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.39	0.51	0.5	1.05	0.8	1.02	1.33	1.33
Basic EPS from Cont Ops	0.39	0.51	0.5	1.05	0.8	1.02	1.33	1.33
Diluted EPS, GAAP	0.38	0.5	0.49	1.01	0.77	0.98	1.29	1.3
Diluted EPS from Cont Ops	0.38	0.5	0.49	1.01	0.77	0.98	1.29	1.3
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.76	0.8	1.01	1.26	1.03	1.26	1.5	0.09
Free Cash Flow per Basic Share	0.69	0.73	0.93	1.24	1	1.22	1.47	0.07
Cash & Equivalents per Share	9.47	14.4	15.37	19.66	15.1	18.38	15.06	16.94
Book Value per Share	7.59	7.73	8.32	9.41	10.18	11.28	12.73	14.39
Tangible Book Value per Share	7.59	7.73	8.32	9.41	10.18	11.28	12.73	14.39