Oxford Bank Corporation Financial Ratios — OXBC Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	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 (%)	- -	12.95	12.02	9.44	6.53	-13.57	12.68	14.18	19.04	12.87	14.8	10.8	10.7
Return on Assets (%)	- -	1.11	1.06	0.84	0.61	-1.21	1.09	1.16	1.5	1.14	1.5	1.22	1.16
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	10.92	10.53	8.42	6.12	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	41.9	43.11	38.31	32.42	25.87	3.61	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	37.3	36.67	36.14	29.72	22.83	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	28.22	85.39	-94.16	189.47	237.25	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.3	36.67	36.14	29.72	22.82	-51.66	30.17	36.57	46.48	32.99	34.56	28.05	28.88
Profit Margin (%)	25.84	25.55	26.29	21.18	16.05	-32.78	23.76	28.81	36.62	26.38	27.03	20.73	21.52
Net Income to Common Margin (%)	25.84	25.55	26.29	21.18	16.05	-32.78	23.76	28.81	36.62	26.38	27.03	20.73	21.52
Effective Tax Rate (%)	30.71	30.33	27.23	28.76	29.65	- -	21.25	21.22	21.22	19.21	18.47	20.55	17.23
Dvd Payout Ratio (%)	24.38	25.48	26.49	32.42	45.42	-17.38	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	9.65	8.84	6.38	3.56	-15.93	12.68	14.18	19.04	12.87	14.8	10.8	10.7

Credit (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	7	6	6	6	1	1	- -	51	16	16	19	19	16
ST Debt	2	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -
LT Debt	5	5	5	5	- -	- -	- -	51	16	16	19	19	16
Total Debt/EBITDA	0.84	0.64	0.8	0.9	0.26	1.04	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-2.31	-2.61	-2.52	-3.85	-2.81	-19.51	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	0.94	0.75	0.85	0.99	0.29	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-2.59	-3.07	-2.67	-4.2	-3.18	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.37	8.71	8.84	9.01	9.71	8.07	9.08	7.56	8.18	9.54	10.69	11.98	9.92
Long-Term Debt/Equity (%)	12.66	11.82	11.07	10.5	- -	- -	0.97	92.77	25	22.54	22.45	19.17	14.66
Long-Term Debt/Capital (%)	11.3	10.63	9.72	9.19	- -	- -	0.97	49.1	20.34	17.16	17.74	15.94	12.96
Long-Term Debt/Total Assets (%)	1.11	1.05	0.98	0.93	- -	- -	0.09	7.3	2.09	1.98	2.33	2.32	1.5
Total Debt/Equity (%)	16.64	13.07	13.54	12.86	2.65	1.8	0.97	92.77	25	22.54	22.45	19.17	14.66
Total Debt/Capital (%)	14.85	11.75	11.89	11.25	2.57	1.79	0.97	49.1	20.34	17.16	17.74	15.94	12.96
Total Debt/Total Assets (%)	1.46	1.16	1.19	1.14	0.26	0.15	0.09	7.3	2.09	1.98	2.33	2.32	1.5
Net Debt to Equity	-45.72	-53.46	-42.41	-54.79	-29.12	-33.76	-184.39	-91.3	-272.37	-174.39	-104.49	-47.23	-237.58
Net Debt/Capital (%)	-92.05	-119.72	-73.2	-117.42	-40.9	-51.82	217.08	-93.52	182.25	405.42	-474.13	-64.68	190.91
EBITDA	8	9	8	7	5	1	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	8	9	8	7	5	1	-1	- -	- -	- -	-5	-1	-4
Operating Income (Loss)	7	7	7	6	5	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	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	8.37	8.71	8.84	9.01	9.71	8.07	9.08	7.56	8.18	9.54	10.69	11.98	9.92
Long-Term Debt/Equity (%)	12.66	11.82	11.07	10.5	- -	- -	0.97	92.77	25	22.54	22.45	19.17	14.66
Long-Term Debt/Capital (%)	11.3	10.63	9.72	9.19	- -	- -	0.97	49.1	20.34	17.16	17.74	15.94	12.96
Long-Term Debt/Total Assets (%)	1.11	1.05	0.98	0.93	- -	- -	0.09	7.3	2.09	1.98	2.33	2.32	1.5
Total Debt/Equity (%)	16.64	13.07	13.54	12.86	2.65	1.8	0.97	92.77	25	22.54	22.45	19.17	14.66
Total Debt/Capital (%)	14.85	11.75	11.89	11.25	2.57	1.79	0.97	49.1	20.34	17.16	17.74	15.94	12.96
Total Debt/Total Assets (%)	1.46	1.16	1.19	1.14	0.26	0.15	0.09	7.3	2.09	1.98	2.33	2.32	1.5
CFO/Total Liabilities	1.3	1.8	1.42	1.3	1.13	-0.72	1.69	1.07	- -	- -	2.02	2.42	1.79
CFO/CapEx	- -	- -	- -	- -	- -	- -	7.37	23	- -	- -	2.9	12.43	4.65
Altman's Z-Score	0.18	0.18	0.18	0.18	0.28	0.11	0.1	0.15	0.18	0.19	0.22	0.25	0.21

Working Capital (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	4	4.22	4.23	3.57	2.55	5.38	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	91.19	86.4	86.39	102.35	143.2	67.79	- -	- -	- -	- -	- -	- -
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)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	15	16	19	16	97	8	- -	59	75	72	77	83	101
- Cash & Cash Equivalents	25	28	25	32	16	13	86	50	171	122	88	46	265
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	2	2
+ Total Debt	7	6	6	6	1	1	- -	51	16	16	19	19	16
Enterprise Value	-3	-6	- -	-10	83	-5	-85	60	-80	-34	8	58	-146
Total Capital	44	47	51	54	51	38	46	104	77	92	107	118	126
Total Debt/Capital (%)	14.85	11.75	11.89	11.25	2.57	1.79	0.97	49.1	20.34	17.16	17.74	15.94	12.96
Total Debt / EV	-2.37	-0.9	143.42	-0.6	0.02	-0.14	-0.01	0.85	-0.19	-0.47	2.28	0.33	-0.11
EV/Sales	1.99	1.9	- -	1.66	4.13	1.05	- -	2.47	- -	- -	0.19	1.2	- -
EV/EBITDA	4.75	4.42	0.01	5.13	15.95	29.19	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	5.34	5.19	0.01	5.6	18.07	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	6.99	4.89	0.01	5.46	15.64	- -	- -	8.68	- -	- -	0.56	3.34	- -
EV/Free Cash Flow to Firm	6.99	4.89	0.01	5.46	15.64	- -	- -	8.32	- -	- -	0.42	3.09	- -
Diluted Market Cap	15	16	19	16	97	8	- -	59	75	72	77	83	101
Diluted Enterprise Value	-3	-6	- -	-10	83	-4	-85	60	-80	-34	8	58	-146
EV per Share	29.05	29.85	0.03	27.13	10.24	15.67	- -	26.1	- -	- -	3.39	23.41	- -
TTM Sales	19	20	20	21	20	18	22	24	30	33	45	48	51
TTM EBITDA	8	9	8	7	5	1	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	7	7	7	6	5	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	8	7	6	5	-3	8	7	- -	- -	15	17	17
TTM Free Cash Flow to Firm	5	8	7	6	5	-3	9	7	- -	- -	20	19	21

Multiples (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	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	2.87	2.11	2.9	2.49	18.39	-2.72	- -	8.21	- -	- -	3.87	4.46	4.77
EV/EBIT	5.34	5.19	0.01	5.6	18.07	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-3	-6	- -	-10	83	-5	-85	60	-80	-34	8	58	-146
Low Price	10.75	11.94	12.5	12.38	12.04	6.13	16.3	16.35	25.5	28.75	28.2	30.1	33.15
EV/Sales	1.99	1.9	- -	1.66	4.13	1.05	- -	2.47	- -	- -	0.19	1.2	- -
EV/EBITDA	4.75	4.42	0.01	5.13	15.95	29.19	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	3.17	3.22	3.68	3.58	30.22	- -	- -	8.44	6.87	8.16	6.38	8.37	9.22
Price/Earnings Average	3.13	3.1	3.49	3.98	31.89	-2.2	- -	6.78	6.29	8.32	6.22	7.94	8.1
Price/Earnings High	3.4	3.22	3.71	4.49	32.81	-2.49	- -	8.85	6.91	9.62	6.71	8.44	9.36
Price/Earnings Low	2.85	2.98	3.07	3.58	30.22	-1.26	- -	5.36	5.35	7.79	5.74	7.45	7.48
Price/Book Value	0.41	0.4	0.42	0.33	1.94	0.21	- -	1.12	1.22	0.95	0.88	0.86	0.94
Price/Book Value Average	0.4	0.38	0.4	0.36	2.05	0.35	- -	0.9	1.11	0.97	0.86	0.81	0.82
Price/Book Value High	0.44	0.4	0.43	0.41	2.11	0.4	- -	1.17	1.22	1.12	0.93	0.87	0.95
Price/Book Value Low	0.37	0.37	0.35	0.33	1.94	0.2	- -	0.71	0.95	0.91	0.79	0.76	0.76
Price/Tangible Book Value	0.39	0.39	0.43	0.33	1.95	0.21	- -	1.07	1.19	1.15	0.99	0.92	0.97
Price/Tangible Book Value Average	0.38	0.38	0.4	0.37	2.05	0.35	- -	0.86	1.09	1.17	0.97	0.87	0.85
Price/Tangible Book Value High	0.42	0.39	0.43	0.42	2.11	0.39	- -	1.13	1.2	1.35	1.04	0.92	0.98
Price/Tangible Book Value Low	0.35	0.36	0.35	0.33	1.95	0.2	- -	0.68	0.93	1.1	0.89	0.82	0.79
Price/Sales	0.82	0.82	0.97	0.76	4.85	0.44	- -	2.43	2.51	2.15	1.73	1.73	1.98
Price/Sales Average	0.81	0.79	0.92	0.84	5.12	0.72	- -	1.95	2.3	2.19	1.68	1.65	1.74
Price/Sales High	0.88	0.82	0.98	0.95	5.27	0.82	- -	2.55	2.53	2.54	1.81	1.75	2.01
Price/Sales Low	0.74	0.76	0.81	0.76	4.85	0.41	- -	1.54	1.96	2.06	1.55	1.54	1.61
Price/Cash Flow	2.87	2.11	2.9	2.49	18.39	-2.58	- -	8.57	- -	- -	5.21	4.82	5.79
Price/Cash Flow Average	2.84	2.04	2.75	2.76	19.41	-4.25	- -	6.88	- -	- -	5.07	4.58	5.09
Price/Cash Flow High	3.08	2.11	2.93	3.12	19.96	-4.79	- -	8.98	- -	- -	5.47	4.87	5.88
Price/Cash Flow Low	2.59	1.96	2.42	2.49	18.39	-2.42	- -	5.44	- -	- -	4.68	4.29	4.7
Price/Free Cash Flow Average	2.84	2.04	2.75	2.76	19.41	-4.47	- -	6.59	- -	- -	3.77	4.24	4.19
Price/Free Cash Flow High	3.08	2.11	2.93	3.12	19.96	-5.05	- -	8.61	- -	- -	4.07	4.5	4.84
Price/Free Cash Flow Low	2.59	1.96	2.42	2.49	18.39	-2.55	- -	5.21	- -	- -	3.48	3.97	3.87
EV/Sales Average	1.93	1.77	2.45	1.95	4.39	0.02	- -	1.99	- -	- -	0.14	1.11	- -
EV/Sales High	2.54	2.16	0.01	2.55	4.54	0.11	- -	2.58	- -	- -	0.27	1.22	- -
EV/Sales Low	1.98	1.92	2.26	1.79	4.13	0.94	- -	1.58	- -	- -	0.01	1.01	- -
EV/EBITDA Average	-0.38	-0.78	-0.13	-1.26	16.98	0.5	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-0.21	-0.71	0.03	-0.92	17.55	3.08	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-0.55	-0.85	-0.42	-1.51	15.95	-8.09	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-0.42	-0.91	-0.13	-1.37	19.25	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-0.24	-0.83	0.03	-1.01	19.89	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-0.62	-1	-0.44	-1.65	18.07	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	11.94	12.88	15	12.38	12.04	6.54	23.36	25.75	32.75	30.11	31.35	33.8	40.86
High Price	12.82	12.88	15.13	15.5	13.07	12.13	23.95	27	32.97	35.5	32.95	34.11	41.5
Enterprise Value Average	-3	-7	-1	-8	88	- -	-85	48	-87	-32	6	54	-158
Enterprise Value High	-2	-6	- -	-6	91	2	-85	63	-80	-21	12	58	-144
Enterprise Value Low	-4	-7	-3	-10	83	-5	-85	38	-97	-37	1	49	-165

Shares Outstanding	1	1	1	1	1	1	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	1	1	1	1	8	1	- -	2	2	2	2	2	2
Basic Weighted Avg Shares	1	1	1	1	8	1	- -	2	2	2	2	2	2
Revenue per Share	14.6	15.68	15.5	16.31	2.48	14.87	- -	10.59	13.03	13.99	18.17	19.49	20.6
EBITDA per Share	6.11	6.76	5.94	5.29	0.64	0.54	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	5.44	5.75	5.6	4.85	0.57	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.77	4	4.08	3.45	0.4	-4.87	- -	3.05	4.77	3.69	4.91	4.04	4.43
Basic EPS from Cont Ops	3.77	4	4.08	3.45	0.4	-4.87	- -	3.05	4.77	3.73	5.12	4.34	4.92
Diluted EPS, GAAP	3.77	4	4.08	3.45	0.4	-4.63	- -	3.05	4.77	3.69	4.91	4.04	4.43
Diluted EPS from Cont Ops	3.77	4	4.08	3.45	0.4	-4.63	- -	3.05	4.77	3.73	5.12	4.34	4.92
Dividend per Share	0.92	1.02	1.08	1.12	0.18	0.85	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	4.16	6.1	5.17	4.97	0.65	-2.53	- -	3.01	- -	- -	6.02	7.01	7.05
Free Cash Flow per Basic Share	4.16	6.1	5.17	4.97	0.65	-2.53	- -	2.87	- -	- -	3.94	6.45	5.54
Cash & Equivalents per Share	19.24	21.98	19.75	25.17	1.97	11.04	- -	21.88	74.88	50.85	36	18.77	106.92
Book Value per Share	29.44	32.42	35.41	37.74	6.21	30.69	- -	23.04	26.92	31.64	35.56	39.41	43.62
Tangible Book Value per Share	30.86	33.04	35.29	37.2	6.19	31.03	- -	23.96	27.49	26.23	31.6	36.9	42.18

Oxford Bank Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)