TEMECULA VALLEY BANCORP INC Financial Ratios — TMCV Stock

Profitability (USD)

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Return on Common Equity (%)	- -	8.74	15.89	15	24.14	31.86	29.15	27.61	20.96	14.33	-76.39
Return on Assets (%)	- -	0.75	1.24	1.17	1.67	2.12	2.04	1.89	1.61	1.18	-4.17
Return on Capital (%)	- -	8.74	15.89	15	16.14	19.91	20.04	15.45	12.94	10.57	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	24.63	39.42	58.53	16.49	22.55	30.59	32.41	35.39	36.08	31.11	-152.95
Profit Margin (%)	24.59	24.88	35.2	9.89	13.38	18.09	18.92	20.71	21.36	18.46	-119.34
Net Income to Common Margin (%)	24.59	24.88	35.2	9.89	13.38	18.09	18.92	20.71	21.36	18.46	-119.34
Effective Tax Rate (%)	- -	- -	- -	40.05	40.68	40.87	41.6	41.47	40.8	40.67	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-2.73
Sustainable Growth Rate (%)	- -	8.74	15.89	15	24.14	31.86	29.15	27.61	20.96	14.33	-78.47

Credit (USD)

Credit Ratios API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Total Debt	- -	- -	- -	- -	17	12	21	59	41	34	159
ST Debt	- -	- -	- -	- -	10	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	7	12	21	59	41	34	159
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	9.25	8.13	7.59	7.95	6.32	6.88	7.07	6.7	8.34	8.19	3.08
Long-Term Debt/Equity (%)	- -	- -	- -	- -	36.79	41.68	48.06	101.18	39.94	31.51	340.71
Long-Term Debt/Capital (%)	- -	- -	- -	- -	19.59	29.42	32.46	50.29	28.54	23.96	77.31
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	2.32	2.87	3.4	6.77	3.33	2.58	10.49
Total Debt/Equity (%)	- -	- -	- -	- -	87.77	41.68	48.06	101.18	39.94	31.51	340.71
Total Debt/Capital (%)	- -	- -	- -	- -	46.74	29.42	32.46	50.29	28.54	23.96	77.31
Total Debt/Total Assets (%)	- -	- -	- -	- -	5.54	2.87	3.4	6.77	3.33	2.58	10.49
Net Debt to Equity	- -	- -	- -	-64.39	25.68	10.19	33.34	69.71	25.13	18.35	289.62
Net Debt/Capital (%)	- -	- -	- -	-180.84	20.43	9.25	25	41.08	20.08	15.51	74.33
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.25	8.13	7.59	7.95	6.32	6.88	7.07	6.7	8.34	8.19	3.08
Long-Term Debt/Equity (%)	- -	- -	- -	- -	36.79	41.68	48.06	101.18	39.94	31.51	340.71
Long-Term Debt/Capital (%)	- -	- -	- -	- -	19.59	29.42	32.46	50.29	28.54	23.96	77.31
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	2.32	2.87	3.4	6.77	3.33	2.58	10.49
Total Debt/Equity (%)	- -	- -	- -	- -	87.77	41.68	48.06	101.18	39.94	31.51	340.71
Total Debt/Capital (%)	- -	- -	- -	- -	46.74	29.42	32.46	50.29	28.54	23.96	77.31
Total Debt/Total Assets (%)	- -	- -	- -	- -	5.54	2.87	3.4	6.77	3.33	2.58	10.49
CFO/Total Liabilities	- -	- -	- -	-6.73	-3.05	2.28	3.35	-3.16	-5.51	-0.93	-5.01
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Accounts Receivable Turnover	- -	- -	- -	- -	8.85	10.48	9.85	13.4	16.46	12.64	7.69
Days Sales Outstanding	- -	- -	- -	- -	41.22	34.83	37.05	27.25	22.17	28.89	47.49
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

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Market Capitalization	19	20	15	35	47	110	155	203	215	118	9
- Cash & Cash Equivalents	- -	- -	- -	10	12	9	6	18	15	14	24
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	17	12	21	59	41	34	159
Enterprise Value	19	20	15	25	52	113	169	243	241	138	144
Total Capital	5	7	9	15	37	42	64	117	145	142	205
Total Debt/Capital (%)	- -	- -	- -	- -	46.74	29.42	32.46	50.29	28.54	23.96	77.31
Total Debt / EV	- -	- -	- -	- -	0.33	0.11	0.12	0.24	0.17	0.25	1.1
EV/Sales	9.22	9.46	4.31	1.38	1.66	2.6	3.02	3.61	3.05	1.68	2.92
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	12.3	8.93	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	12.3	8.93	- -	- -	- -	- -
Diluted Market Cap	24	26	17	34	53	119	166	218	230	126	9
Diluted Enterprise Value	24	26	17	24	58	122	180	258	256	146	144
EV per Share	4.5	4.38	2.94	3.45	7	13.87	19.39	27.33	26.33	13.7	14.39
TTM Sales	2	2	4	18	31	43	56	67	79	82	49
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	-12	-9	9	19	-26	-62	-11	- -
TTM Free Cash Flow to Firm	- -	- -	- -	-12	-9	9	19	-26	-62	-11	- -

Multiples (USD)

Valuation Multiples API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Price/Free Cash Flow	- -	- -	- -	-2.87	-5.97	12.99	8.78	-8.49	-3.68	-11.23	-0.13
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	19	20	15	25	52	113	169	243	241	138	144
Low Price	2.56	3	2	2.5	4.28	5.45	10.75	16.6	19.66	9.75	0.63
EV/Sales	9.22	9.46	4.31	1.38	1.66	2.6	3.02	3.61	3.05	1.68	2.92
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	37.5	38.04	12.24	17.05	11.1	13.5	14.31	14.41	12.84	8.07	- -
Price/Earnings Average	30.24	45.76	13.4	13.45	9.69	8.53	11.86	12.86	12.1	12.32	- -
Price/Earnings High	37.5	65.22	20.83	19.64	11.58	16	15.73	16.42	13.66	16.55	- -
Price/Earnings Low	21.35	26.09	8.33	8.93	7.5	5.45	8.67	10.51	10.74	6.71	- -
Price/Book Value	3.51	2.95	1.73	2.32	2.4	3.7	3.6	3.48	2.09	1.09	0.2
Price/Book Value Average	2.83	3.54	1.89	1.83	2.09	2.34	2.98	3.11	1.97	1.67	1.35
Price/Book Value High	3.51	5.05	2.94	2.67	2.5	4.38	3.96	3.97	2.22	2.24	2.56
Price/Book Value Low	2	2.02	1.18	1.21	1.62	1.49	2.18	2.54	1.75	0.91	0.14
Price/Tangible Book Value	3.51	2.95	1.73	2.32	2.97	4.66	4.38	3.48	2.09	1.09	0.2
Price/Tangible Book Value Average	2.83	3.54	1.89	1.83	2.59	2.94	3.63	3.11	1.97	1.67	1.35
Price/Tangible Book Value High	3.51	5.05	2.94	2.67	3.1	5.52	4.81	3.97	2.22	2.24	2.56
Price/Tangible Book Value Low	2	2.02	1.18	1.21	2	1.88	2.65	2.54	1.75	0.91	0.14
Price/Sales	9.22	9.46	4.31	1.69	1.48	2.44	2.71	2.99	2.74	1.49	0.19
Price/Sales Average	7.44	11.38	4.72	1.33	1.3	1.54	2.24	2.66	2.58	2.27	1.27
Price/Sales High	9.22	16.23	7.33	1.94	1.55	2.89	2.98	3.4	2.92	3.05	2.41
Price/Sales Low	5.25	6.49	2.93	0.88	1	0.99	1.64	2.18	2.29	1.24	0.13
Price/Cash Flow	- -	- -	- -	-2.61	-5.24	11.56	8	-7.84	-3.48	-10.86	-0.13
Price/Cash Flow Average	- -	- -	- -	-2.06	-4.57	7.31	6.63	-7	-3.28	-16.57	-0.86
Price/Cash Flow High	- -	- -	- -	-3.01	-5.46	13.71	8.79	-8.94	-3.7	-22.27	-1.63
Price/Cash Flow Low	- -	- -	- -	-1.37	-3.54	4.67	4.85	-5.72	-2.91	-9.02	-0.09
Price/Free Cash Flow Average	- -	- -	- -	-2.26	-5.21	8.21	7.28	-7.57	-3.47	-17.14	-0.86
Price/Free Cash Flow High	- -	- -	- -	-3.3	-6.23	15.4	9.65	-9.67	-3.91	-23.03	-1.63
Price/Free Cash Flow Low	- -	- -	- -	-1.5	-4.03	5.25	5.32	-6.19	-3.08	-9.33	-0.09
EV/Sales Average	7.44	11.38	4.72	0.98	1.47	1.67	2.55	3.28	2.89	2.44	4
EV/Sales High	9.22	16.23	7.33	1.68	1.73	3.07	3.29	4.03	3.22	3.19	5.14
EV/Sales Low	5.25	6.49	2.93	0.47	1.18	1.09	1.93	2.79	2.6	1.44	2.86
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	4.5	4.38	2.94	4.78	6.33	13.5	17.75	22.77	23.5	11.73	0.94
High Price	4.5	7.5	5	5.5	6.6	16	19.5	25.95	25	24.06	11.87
Enterprise Value Average	15	25	17	18	46	72	142	221	229	200	198
Enterprise Value High	19	35	26	31	54	133	184	271	255	262	254
Enterprise Value Low	11	14	11	9	37	47	108	188	206	118	141

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008

Shares Outstanding	4	5	5	7	7	8	9	9	9	10	10
Diluted Weighted Avg Shares	5	6	6	7	8	9	9	10	10	11	10
Basic Weighted Avg Shares	4	5	5	6	7	8	9	9	9	10	10
Revenue per Share	0.49	0.46	0.68	2.83	4.26	5.53	6.55	7.63	8.57	7.88	4.92
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.12	0.12	0.24	0.28	0.57	1	1.24	1.58	1.83	1.45	-5.87
Basic EPS from Cont Ops	0.12	0.12	0.24	0.28	0.57	1	1.24	1.58	1.83	1.45	-5.87
Diluted EPS, GAAP	0.1	0.09	0.22	0.25	0.5	0.89	1.13	1.46	1.73	1.41	-5.87
Diluted EPS from Cont Ops	0.1	0.09	0.22	0.25	0.5	0.89	1.13	1.46	1.73	1.41	-5.87
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.16
Cash Flow per Share	- -	- -	- -	-1.83	-1.21	1.17	2.22	-2.9	-6.76	-1.08	-7.3
Free Cash Flow per Basic Share	- -	- -	- -	-1.83	-1.21	1.17	2.22	-2.9	-6.76	-1.08	-7.3
Cash & Equivalents per Share	- -	- -	- -	1.33	1.64	1.15	0.73	2.06	1.67	1.41	2.37
Book Value per Share	1.28	1.49	1.7	2.06	2.64	3.65	4.93	6.54	11.26	10.73	4.64
Tangible Book Value per Share	1.28	1.49	1.7	2.06	2.13	2.9	4.06	6.54	11.26	10.73	4.64