Signature Bank (New York, NY) Financial Ratios — SBNYL Stock

Profitability (USD)

	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Return on Common Equity (%)	8.47	7.26	11.67	12.71	12.13	13.26	13.81	13.85	12.19	10.13	11.98	12.77	10	12.89	16.41
Return on Assets (%)	0.67	0.77	0.98	1.14	1.15	1.15	1.19	1.23	1.09	0.94	1.12	1.2	0.85	0.96	1.17
Return on Capital (%)	5.44	6.04	7.78	8.33	8.58	7.21	7.48	7.9	6.87	5.38	5.59	6.1	5.46	8.72	8.5
Return on Invested Capital (%)	- -	- -	- -	- -	- -	7.1	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	57.85	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	57.55	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	30.15	35.16	45.48	53.25	55.69	57.55	61.21	61.93	55.25	45.17	51.92	59.81	45.92	62.34	65.1
Profit Margin (%)	18.11	21.12	26.34	29.8	31.65	33.62	35.49	36.78	33.3	30.4	37.53	42.71	33.14	45.89	49.59
Net Income to Common Margin (%)	17.94	17.01	26.34	29.8	31.65	33.62	35.49	36.78	33.3	30.4	37.46	42.57	33.14	44	48.23
Effective Tax Rate (%)	39.95	39.93	42.09	44.04	43.17	41.58	42.02	40.6	39.72	32.69	27.73	28.6	27.84	26.39	23.83
Dvd Payout Ratio (%)	-0.91	-20.56	- -	- -	- -	- -	- -	- -	- -	- -	12.08	20.68	22.73	14.8	10.86
Sustainable Growth Rate (%)	8.55	8.75	11.67	12.71	12.13	13.26	13.81	13.85	12.19	10.13	10.53	10.13	7.72	10.98	14.63

Credit (USD)

Credit Ratios API ChatGPT

	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Total Debt	265	312	564	675	590	2,305	1,335	2,720	2,307	4,452	5,228	4,841	3,933	3,464	12,137
ST Debt	5	7	6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	260	305	558	675	590	2,305	1,335	2,720	2,307	4,452	5,228	4,841	3,933	3,464	12,137
Total Debt/EBITDA	- -	- -	- -	- -	- -	5.86	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	5.49	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	5.98	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	5.61	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.19	8.79	8.09	9.6	9.45	8.04	9.14	8.65	9.25	9.35	9.3	9.38	7.89	6.62	7.26
Long-Term Debt/Equity (%)	37.24	37.95	59.08	47.94	35.75	128.08	53.49	94.06	63.88	110.43	118.63	102.02	67.5	44.18	151.46
Long-Term Debt/Capital (%)	27	27.34	36.98	32.4	26.34	56.16	34.85	48.47	38.98	52.48	54.26	50.5	40.3	30.64	60.23
Long-Term Debt/Total Assets (%)	3.62	3.33	4.78	4.6	3.38	10.3	4.89	8.13	5.91	10.33	11.04	9.57	5.32	2.92	11
Total Debt/Equity (%)	37.94	38.81	59.73	47.94	35.75	128.08	53.49	94.06	63.88	110.43	118.63	102.02	67.5	44.18	151.46
Total Debt/Capital (%)	27.51	27.96	37.4	32.4	26.34	56.16	34.85	48.47	38.98	52.48	54.26	50.5	40.3	30.64	60.23
Total Debt/Total Assets (%)	3.68	3.41	4.83	4.6	3.38	10.3	4.89	8.13	5.91	10.33	11.04	9.57	5.32	2.92	11
Net Debt to Equity	21.91	26.9	54.83	45.08	30.06	120.08	41.51	82.25	48.96	102.11	111.43	80.26	-148.97	-336.85	73.64
Net Debt/Capital (%)	17.97	21.2	35.41	31.07	23.11	54.56	29.33	45.13	32.87	50.52	52.7	43.3	335.38	144.2	41.57
EBITDA	- -	- -	- -	- -	- -	394	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	381	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	392	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.19	8.79	8.09	9.6	9.45	8.04	9.14	8.65	9.25	9.35	9.3	9.38	7.89	6.62	7.26
Long-Term Debt/Equity (%)	37.24	37.95	59.08	47.94	35.75	128.08	53.49	94.06	63.88	110.43	118.63	102.02	67.5	44.18	151.46
Long-Term Debt/Capital (%)	27	27.34	36.98	32.4	26.34	56.16	34.85	48.47	38.98	52.48	54.26	50.5	40.3	30.64	60.23
Long-Term Debt/Total Assets (%)	3.62	3.33	4.78	4.6	3.38	10.3	4.89	8.13	5.91	10.33	11.04	9.57	5.32	2.92	11
Total Debt/Equity (%)	37.94	38.81	59.73	47.94	35.75	128.08	53.49	94.06	63.88	110.43	118.63	102.02	67.5	44.18	151.46
Total Debt/Capital (%)	27.51	27.96	37.4	32.4	26.34	56.16	34.85	48.47	38.98	52.48	54.26	50.5	40.3	30.64	60.23
Total Debt/Total Assets (%)	3.68	3.41	4.83	4.6	3.38	10.3	4.89	8.13	5.91	10.33	11.04	9.57	5.32	2.92	11
CFO/Total Liabilities	0.89	0.02	0.45	1.28	2.41	0.98	1.7	1.76	1.59	1.4	1.52	1.7	1.33	0.8	0.92
CFO/CapEx	5.41	0.4	14.2	23.18	44.56	16.39	31.02	44.14	33.99	23.67	56.72	23.63	25.81	27.32	19.57
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Accounts Receivable Turnover	6.93	7.47	8.04	8.82	9.38	10	11.05	11.68	12.08	11.58	10.43	9.49	7.5	6.85	7.13
Days Sales Outstanding	52.68	48.86	45.4	41.37	38.9	36.49	33.04	31.25	30.21	31.53	35.01	38.45	48.69	53.31	51.21
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

	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	112	96	46	40	94	144	299	342	539	335	317	790	12,348	29,621	5,955
+ Preferred Equity and Hybrid Capital	109	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	265	312	564	675	590	2,305	1,335	2,720	2,307	4,452	5,228	4,841	3,933	3,464	12,137
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	963	1,116	1,509	2,083	2,240	4,105	3,831	5,612	5,920	8,484	9,635	9,586	9,760	11,305	20,150
Total Debt/Capital (%)	27.51	27.96	37.4	32.4	26.34	56.16	34.85	48.47	38.98	52.48	54.26	50.5	40.3	30.64	60.23
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	239	297	388	502	586	680	836	1,014	1,190	1,274	1,350	1,373	1,594	2,001	2,696
TTM EBITDA	- -	- -	- -	- -	- -	394	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	392	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	58	2	48	169	381	203	421	539	565	546	652	778	904	880	946
TTM Free Cash Flow to Firm	47	-2	44	162	372	190	407	527	548	523	640	745	869	847	897

Multiples (USD)

Valuation Multiples API ChatGPT

	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
As of date	12/31/2008	12/31/2009	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.71	24.6	15.11
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.65	26.18	15.37
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25.85	40.86	26.1
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Signature Bank (New York, NY)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)