W.T.B. Financial Corp. Financial Ratios — WTBFA Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	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 (%)	- -	- -	14.66	12.83	10.16	12.2	13.42	6.33	6.09	9.69
Return on Assets (%)	- -	- -	1.3	1.21	0.9	0.96	1.06	0.51	0.5	0.87
Return on Capital (%)	- -	- -	14.66	12.63	9.91	11.81	13.03	3.01	2.6	6.79
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	34.52	34.16	36.11	35.19	28.82	34.89	38.23	20.78	20.02	28.48
Profit Margin (%)	22.48	16.21	28.72	27.45	22.47	27.26	29.91	16.31	15.76	22.19
Net Income to Common Margin (%)	22.48	16.21	28.72	27.45	22.47	27.26	29.91	16.31	15.76	22.19
Effective Tax Rate (%)	34.87	52.54	20.47	21.97	22.04	21.85	21.76	21.49	21.26	22.08
Dvd Payout Ratio (%)	14.76	20.47	14.15	21.46	24.59	23.79	22.89	33.2	33.14	24.18
Sustainable Growth Rate (%)	- -	- -	12.58	10.07	7.66	9.3	10.35	4.23	4.07	7.35

Credit (USD)

Credit Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	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	- -	- -	- -	20	18	37	13	1,929	540	288
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	20	18	37	13	1,929	540	288
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	- -	8.5	9.2	9.71	8.22	7.51	8.32	7.84	8.7	9.36
Long-Term Debt/Equity (%)	- -	- -	- -	2.87	2.17	4.47	1.55	214.9	57.77	28.82
Long-Term Debt/Capital (%)	- -	- -	- -	2.79	2.13	4.28	1.53	68.24	36.62	22.37
Long-Term Debt/Total Assets (%)	- -	- -	- -	0.28	0.18	0.34	0.13	16.85	5.03	2.7
Total Debt/Equity (%)	- -	- -	- -	2.87	2.17	4.47	1.55	214.9	57.77	28.82
Total Debt/Capital (%)	- -	- -	- -	2.79	2.13	4.28	1.53	68.24	36.62	22.37
Total Debt/Total Assets (%)	- -	- -	- -	0.28	0.18	0.34	0.13	16.85	5.03	2.7
Net Debt to Equity	- -	-161.08	-142.32	-90.03	-194.03	-246.04	-45.42	-127.59	-61.55	-71.08
Net Debt/Capital (%)	- -	263.73	336.27	-701.4	211.24	173.79	-80.92	-68.12	-63.96	-123.09
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	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	- -	8.5	9.2	9.71	8.22	7.51	8.32	7.84	8.7	9.36
Long-Term Debt/Equity (%)	- -	- -	- -	2.87	2.17	4.47	1.55	214.9	57.77	28.82
Long-Term Debt/Capital (%)	- -	- -	- -	2.79	2.13	4.28	1.53	68.24	36.62	22.37
Long-Term Debt/Total Assets (%)	- -	- -	- -	0.28	0.18	0.34	0.13	16.85	5.03	2.7
Total Debt/Equity (%)	- -	- -	- -	2.87	2.17	4.47	1.55	214.9	57.77	28.82
Total Debt/Capital (%)	- -	- -	- -	2.79	2.13	4.28	1.53	68.24	36.62	22.37
Total Debt/Total Assets (%)	- -	- -	- -	0.28	0.18	0.34	0.13	16.85	5.03	2.7
CFO/Total Liabilities	- -	1.37	2.03	1.33	1.37	1.58	1.32	1.1	0.41	1.11
CFO/CapEx	7.42	4.94	9.52	2.25	9.31	33.61	14.78	17.7	3.67	5.92
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

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	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	10	9	1,028	1,074	2,601	1,396	1,636	1,262	1,239	1,533
- Cash & Cash Equivalents	- -	855	858	627	1,565	2,049	394	1,145	575	711
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	20	18	37	13	1,929	540	288
Enterprise Value	10	-846	170	467	1,054	-616	1,255	2,046	1,204	1,110
Total Capital	- -	531	603	716	824	870	881	2,826	1,474	1,289
Total Debt/Capital (%)	- -	- -	- -	2.79	2.13	4.28	1.53	68.24	36.62	22.37
Total Debt / EV	- -	- -	- -	0.04	0.02	-0.06	0.01	0.94	0.45	0.26
EV/Sales	0.04	- -	0.59	1.54	3.1	- -	3.29	5.98	3.4	2.63
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.22	- -	1.41	5.43	8.54	- -	9.92	17.61	29.71	10.29
EV/Free Cash Flow to Firm	0.25	- -	1.58	9.78	9.57	- -	10.64	18.66	40.82	12.38
Diluted Market Cap	982	940	1,025	1,074	2,589	1,396	1,637	1,253	1,237	1,539
Diluted Enterprise Value	982	85	167	468	1,042	-616	1,257	2,036	1,202	1,116
EV per Share	385	- -	66.32	182.72	413.17	- -	498.83	810.41	480.86	452.57
TTM Sales	230	258	289	303	340	367	381	342	354	422
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	45	78	121	86	123	162	127	116	41	108
TTM Free Cash Flow to Firm	39	62	108	48	110	157	118	110	29	90

Multiples (USD)

Valuation Multiples API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	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	25.35	15.09	9.5	22.49	23.52	8.89	13.88	11.43	41.96	17.17
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	10	-846	170	467	1,054	-616	1,255	2,046	1,204	1,110
Low Price	303	325	355	400	300	505	650	490	455	510
EV/Sales	0.04	- -	0.59	1.54	3.1	- -	3.29	5.98	3.4	2.63
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	18.93	22.41	12.3	12.87	33.9	13.94	14.34	22.42	22.16	16.4
Price/Earnings Average	16.92	21.15	11.63	12.51	14.84	19.82	14.62	34.47	22.89	14.65
Price/Earnings High	22.13	22.41	13.53	13.03	34.89	25.57	14.89	67.27	25.97	16.93
Price/Earnings Low	14.9	19.79	10.92	12.26	9.97	12.8	14.34	21.98	20.37	13.38
Price/Book Value	- -	0.02	1.71	1.54	3.22	1.68	1.89	1.41	1.33	1.53
Price/Book Value Average	- -	0.02	1.61	1.5	1.41	2.38	1.92	2.16	1.37	1.37
Price/Book Value High	- -	0.02	1.88	1.56	3.32	3.08	1.96	4.22	1.55	1.58
Price/Book Value Low	- -	0.02	1.51	1.47	0.95	1.54	1.89	1.38	1.22	1.25
Price/Tangible Book Value	- -	0.02	1.71	1.54	3.22	1.68	1.89	1.41	1.33	1.53
Price/Tangible Book Value Average	- -	0.02	1.61	1.5	1.41	2.38	1.92	2.16	1.37	1.37
Price/Tangible Book Value High	- -	0.02	1.88	1.56	3.32	3.08	1.96	4.22	1.55	1.58
Price/Tangible Book Value Low	- -	0.02	1.51	1.47	0.95	1.54	1.89	1.38	1.22	1.25
Price/Sales	4.26	3.63	3.53	3.53	7.62	3.8	4.29	3.66	3.49	3.64
Price/Sales Average	3.8	3.43	3.34	3.43	3.33	5.4	4.37	5.62	3.61	3.25
Price/Sales High	4.98	3.63	3.89	3.58	7.84	6.97	4.46	10.98	4.09	3.76
Price/Sales Low	3.35	3.21	3.14	3.37	2.24	3.49	4.29	3.59	3.21	2.97
Price/Cash Flow	21.89	11.99	8.48	12.46	20.97	8.62	12.93	10.78	30.53	14.25
Price/Cash Flow Average	19.56	11.32	8.02	12.11	9.18	12.25	13.18	16.57	31.53	12.73
Price/Cash Flow High	25.58	11.99	9.32	12.61	21.59	15.81	13.43	32.34	35.77	14.7
Price/Cash Flow Low	17.23	10.59	7.52	11.87	6.17	7.91	12.93	10.56	28.06	11.63
Price/Free Cash Flow Average	22.65	14.24	8.98	21.85	10.3	12.65	14.15	17.57	43.35	15.33
Price/Free Cash Flow High	29.63	15.09	10.45	22.75	24.21	16.32	14.41	34.29	49.17	17.72
Price/Free Cash Flow Low	19.95	13.33	8.43	21.42	6.92	8.17	13.88	11.2	38.57	14.01
EV/Sales Average	0.04	- -	0.4	1.44	- -	- -	3.37	7.96	3.52	2.24
EV/Sales High	0.05	- -	0.95	1.58	3.33	1.5	3.46	13.35	4	2.74
EV/Sales Low	0.03	- -	0.19	1.37	- -	- -	3.29	5.9	3.12	1.96
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	385	368	400	420	1,020	550.01	650	500	494.96	625
High Price	450	368	440	425	1,050	1,009	675	1,500	580	645
Enterprise Value Average	9	-846	115	437	-408	-27	1,287	2,724	1,244	946
Enterprise Value High	11	-846	273	480	1,130	549	1,318	4,570	1,416	1,159
Enterprise Value Low	8	-847	55	416	-782	-730	1,255	2,020	1,104	828

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	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	- -	- -	3	3	3	3	3	3	3	2
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	2	2
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	2	2
Revenue per Share	90.45	101.3	113.23	118.82	133.93	144.73	151.51	136.67	141.67	171.71
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	20.33	16.42	32.52	32.62	30.09	39.46	45.32	22.3	22.33	38.1
Basic EPS from Cont Ops	20.33	16.42	32.52	32.62	30.09	39.46	45.32	22.3	22.33	38.1
Diluted EPS, GAAP	20.29	16.36	32.42	32.56	30.06	39.4	45.28	22.29	22.32	38.06
Diluted EPS from Cont Ops	20.29	16.36	32.42	32.56	30.06	39.4	45.28	22.29	22.32	38.06
Dividend per Share	3	3.36	4.6	7	7.4	9.39	10.37	7.4	7.4	9.21
Cash Flow per Share	17.59	30.68	47.2	33.7	48.64	63.82	50.28	46.39	16.21	43.86
Free Cash Flow per Basic Share	15.22	24.48	42.24	18.71	43.41	61.92	46.87	43.76	11.8	36.45
Cash & Equivalents per Share	- -	34,198.94	333.68	245.09	613.71	807.3	156.52	453.61	229.7	290.04
Book Value per Share	- -	21,231.64	234.45	272.22	316.3	328.11	344.59	355.53	373.21	408.07
Tangible Book Value per Share	- -	21,231.64	234.45	272.22	316.3	328.11	344.59	355.53	373.21	408.07