PBCO Financial Corporation Financial Ratios — PBCO Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 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	12/31/2017	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 (%)	- -	11.35	10.73	12.51	11.31	9.66	10.16	10.55	12.98	17.4	13.37	1.34	9.79	9.25
Return on Assets (%)	- -	1.74	1.58	1.73	1.52	1.07	1.04	1.13	1.37	1.66	1.18	0.12	1.04	1.08
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	11.35	10.73	12.51	11.31	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	29.29	30.26	30.61	33.65	31.02	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	27.01	27.99	29.1	32.04	31.02	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	31.76	103.87	48.84	9.27	-22.81	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.01	27.99	29.09	32.03	31.02	26.12	22.86	26.6	30.95	38.59	34.86	5.09	32.92	32.24
Profit Margin (%)	16.8	18.02	18.69	20.87	20.16	14.51	17.97	19.66	23.52	30.42	26.09	3.79	24.59	23.99
Net Income to Common Margin (%)	16.8	18.02	18.69	20.87	20.16	14.51	17.97	19.66	23.52	30.42	26.09	3.79	24.59	23.99
Effective Tax Rate (%)	37.81	35.61	35.74	34.85	35.03	44.46	21.41	26.08	24.01	21.18	25.16	25.6	25.31	25.6
Dvd Payout Ratio (%)	0.04	- -	- -	0.5	- -	0.16	0.12	0.1	- -	0.06	0.05	- -	- -	14.17
Sustainable Growth Rate (%)	- -	11.35	10.73	12.45	11.31	9.65	10.15	10.54	12.98	17.39	13.36	1.34	9.79	7.94

Credit (USD)

Credit Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 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	12/31/2017	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	- -	- -	- -	- -	- -	1	- -	16	7	7	34	50	29	28
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	1	- -	16	7	7	34	50	29	28
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-2.4	-3.53	-2.27	-2.31	-1.6	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-2.61	-3.82	-2.38	-2.43	-1.6	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.65	15.04	14.44	13.36	13.55	10.43	10.13	11.25	10.1	9.2	8.51	10.16	10.97	12.37
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	2.16	1.25	38.9	13.11	9.41	50.36	64.13	32.63	28.57
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	2.12	1.24	28	11.59	8.6	33.49	39.07	24.6	22.22
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.23	0.13	4.38	1.32	0.87	4.28	6.52	3.58	3.53
Total Debt/Equity (%)	- -	- -	- -	- -	- -	2.16	1.25	38.9	13.11	9.41	50.36	64.13	32.63	28.57
Total Debt/Capital (%)	- -	- -	- -	- -	- -	2.12	1.24	28	11.59	8.6	33.49	39.07	24.6	22.22
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.23	0.13	4.38	1.32	0.87	4.28	6.52	3.58	3.53
Net Debt to Equity	-37.22	-63.81	-37.81	-43.79	-26.65	-66.5	-74.77	-37.56	-177.76	-104.77	-23.95	-25.85	-56.88	-38.62
Net Debt/Capital (%)	-59.29	-176.3	-60.8	-77.89	-36.34	-186.47	-282.35	-37.06	274.93	-2,260.17	-18.94	-18.69	-75.08	-42.94
EBITDA	1	1	1	2	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	1	1	1	2	2	-6	-5	- -	-3	-2	-1	-4	-1	-1
Operating Income (Loss)	1	1	1	2	2	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 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	12/31/2017	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	15.65	15.04	14.44	13.36	13.55	10.43	10.13	11.25	10.1	9.2	8.51	10.16	10.97	12.37
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	2.16	1.25	38.9	13.11	9.41	50.36	64.13	32.63	28.57
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	2.12	1.24	28	11.59	8.6	33.49	39.07	24.6	22.22
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.23	0.13	4.38	1.32	0.87	4.28	6.52	3.58	3.53
Total Debt/Equity (%)	- -	- -	- -	- -	- -	2.16	1.25	38.9	13.11	9.41	50.36	64.13	32.63	28.57
Total Debt/Capital (%)	- -	- -	- -	- -	- -	2.12	1.24	28	11.59	8.6	33.49	39.07	24.6	22.22
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	0.23	0.13	4.38	1.32	0.87	4.28	6.52	3.58	3.53
CFO/Total Liabilities	0.56	4.87	3.62	1.13	- -	0.31	1.84	1.63	1.78	2.04	1.61	1.32	1.77	1.67
CFO/CapEx	- -	- -	- -	- -	- -	0.15	1.08	23.57	3.22	8.25	8.64	2.31	9.58	11.94
Altman's Z-Score	0.38	0.41	0.39	0.37	0.45	0.14	0.15	0.16	0.14	0.15	0.11	0.11	0.13	0.16

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 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	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	8.56	8.28	8.22	9.59	73.22	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	42.63	44.06	44.4	38.06	4.99	- -	- -	- -	- -	- -	- -	- -	- -
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

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 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	12/31/2017	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	13	15	18	20	31	38	40	47	45	91	72	72	76	92
- Cash & Cash Equivalents	3	5	3	4	3	21	27	16	94	83	16	20	50	38
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	1	- -	16	7	7	34	50	29	28
Enterprise Value	10	10	14	15	28	17	14	47	-42	16	90	102	54	82
Total Capital	7	8	9	10	11	32	36	58	60	87	103	127	116	126
Total Debt/Capital (%)	- -	- -	- -	- -	- -	2.12	1.24	28	11.59	8.6	33.49	39.07	24.6	22.22
Total Debt / EV	- -	- -	- -	- -	- -	0.04	0.03	0.34	-0.16	0.47	0.38	0.49	0.53	0.34
EV/Sales	2.62	2.14	2.9	2.64	4.68	1.22	0.72	2.28	- -	0.42	2.39	3.93	1.65	2.3
EV/EBITDA	8.94	7.07	9.48	7.84	15.09	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	9.69	7.64	9.98	8.24	15.09	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	45.92	4.64	7.38	20.35	- -	20.55	2.36	8.8	- -	0.99	7.62	11.26	4.3	7.13
EV/Free Cash Flow to Firm	45.92	4.64	7.38	20.35	- -	2.69	1.22	8.44	- -	0.89	6.83	7.86	3.9	6.58
Diluted Market Cap	10	13	16	17	28	33	38	43	43	61	69	72	76	- -
Diluted Enterprise Value	7	8	12	13	25	12	12	44	-44	-14	87	102	55	-10
EV per Share	5.17	5.59	8.09	9.03	14.16	5.14	4.06	13.31	11.38	2.98	16.94	19.08	10.24	16.04
TTM Sales	4	5	5	6	6	14	19	21	26	38	38	26	33	36
TTM EBITDA	1	1	1	2	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	1	1	1	2	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	2	2	1	- -	1	6	5	8	16	12	9	13	12
TTM Free Cash Flow to Firm	- -	2	2	1	- -	6	11	6	11	18	13	13	14	12

Multiples (USD)

Valuation Multiples API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 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	12/31/2017	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	45.66	5.72	8.2	23.04	- -	5.09	3.42	7.76	3.89	3.44	5.25	5.56	5.44	- -
EV/EBIT	9.69	7.64	9.98	8.24	15.09	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	10	10	14	15	28	17	14	47	-42	16	90	102	54	82
Low Price	4.96	6.26	9.24	11.05	10.86	7.99	10.55	11.34	8.3	11.38	13.4	10.25	11.04	13.75
EV/Sales	2.62	2.14	2.9	2.64	4.68	1.22	0.72	2.28	- -	0.42	2.39	3.93	1.65	2.3
EV/EBITDA	8.94	7.07	9.48	7.84	15.09	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	15.49	14.64	16.46	13.45	23.31	15.67	11.12	10.62	6.94	5.33	7.04	73.47	9.36	- -
Price/Earnings Average	12.37	12.15	15.51	13.98	20.34	14.58	11.26	10.85	6.42	4.42	7.82	66.64	8.55	- -
Price/Earnings High	17.1	16.6	18.19	17.13	23.51	15.8	12.78	12.41	8.07	5.33	9.03	76.74	10.01	- -
Price/Earnings Low	11.72	10.94	15.18	12.72	16.17	11.24	9.94	9.16	5.06	3.53	6.96	55.79	7.25	- -
Price/Book Value	1.76	1.91	1.96	1.93	2.77	1.19	1.12	1.12	0.85	1.15	1.05	0.93	0.86	0.94
Price/Book Value Average	1.4	1.59	1.85	2	2.42	1.11	1.13	1.15	0.78	0.96	1.17	0.84	0.79	0.8
Price/Book Value High	1.94	2.17	2.17	2.45	2.8	1.2	1.29	1.31	0.98	1.15	1.35	0.97	0.92	0.94
Price/Book Value Low	1.33	1.43	1.81	1.82	1.92	0.86	1	0.97	0.62	0.76	1.04	0.7	0.67	0.72
Price/Tangible Book Value	1.76	1.91	1.96	1.93	2.81	1.34	1.24	1.22	0.9	1.2	1.11	0.97	0.9	0.98
Price/Tangible Book Value Average	1.4	1.59	1.85	2	2.45	1.24	1.25	1.25	0.83	1	1.23	0.88	0.82	0.83
Price/Tangible Book Value High	1.94	2.17	2.17	2.45	2.84	1.35	1.42	1.42	1.05	1.2	1.42	1.01	0.96	0.98
Price/Tangible Book Value Low	1.33	1.43	1.81	1.82	1.95	0.96	1.11	1.05	0.66	0.8	1.1	0.74	0.69	0.75
Price/Sales	2.6	2.64	3.08	2.81	4.7	2.27	2	2.09	1.63	1.62	1.84	2.78	2.3	- -
Price/Sales Average	2.08	2.19	2.9	2.92	4.1	2.12	2.02	2.13	1.51	1.34	2.04	2.52	2.1	- -
Price/Sales High	2.87	2.99	3.4	3.58	4.74	2.29	2.3	2.44	1.9	1.62	2.36	2.91	2.46	- -
Price/Sales Low	1.97	1.97	2.84	2.65	3.26	1.63	1.79	1.8	1.19	1.07	1.82	2.11	1.78	- -
Price/Cash Flow	45.66	5.72	7.82	21.64	- -	38.35	6.54	8.04	5.08	3.84	5.86	7.97	6	- -
Price/Cash Flow Average	36.46	4.75	7.37	22.48	- -	35.68	6.62	8.22	4.7	3.18	6.51	7.23	5.48	- -
Price/Cash Flow High	50.39	6.49	8.64	27.56	- -	38.66	7.51	9.4	5.91	3.84	7.52	8.32	6.42	- -
Price/Cash Flow Low	34.52	4.27	7.21	20.45	- -	27.5	5.84	6.94	3.71	2.55	5.79	6.05	4.65	- -
Price/Free Cash Flow Average	36.46	4.75	7.72	23.94	- -	4.74	3.46	7.93	3.6	2.85	5.84	5.04	4.97	- -
Price/Free Cash Flow High	50.39	6.49	9.06	29.35	- -	5.13	3.93	9.08	4.53	3.44	6.74	5.81	5.82	- -
Price/Free Cash Flow Low	34.52	4.27	7.56	21.78	- -	3.65	3.06	6.7	2.84	2.28	5.19	4.22	4.21	- -
EV/Sales Average	1.95	1.59	2.69	2.77	4.02	1.03	0.75	2.33	- -	- -	2.6	3.68	1.45	1.92
EV/Sales High	2.96	2.57	3.28	3.58	4.73	1.24	1.04	2.66	- -	0.42	2.93	4.06	1.81	2.31
EV/Sales Low	1.81	1.33	2.62	2.45	3.09	0.47	0.5	1.97	- -	- -	2.37	3.26	1.13	1.7
EV/EBITDA Average	6.65	5.26	8.8	8.24	12.96	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	10.12	8.48	10.71	10.62	15.23	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	6.17	4.39	8.57	7.29	9.98	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	7.21	5.69	9.26	8.66	12.96	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	10.97	9.17	11.27	11.16	15.23	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	6.69	4.74	9.01	7.66	9.98	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	6.56	8.38	10.02	11.69	15.66	11.14	11.8	13.15	11.38	17.18	13.55	13.5	14.25	17.95
High Price	7.24	9.5	11.07	14.89	15.79	11.23	13.56	15.37	13.24	17.18	17.38	14.1	15.24	18
Enterprise Value Average	7	8	13	16	24	15	14	48	-46	- -	98	95	48	69
Enterprise Value High	11	12	16	21	28	18	20	55	-35	16	111	105	60	82
Enterprise Value Low	7	6	13	14	19	7	9	41	-54	-15	89	84	37	61

Shares Outstanding	2	2	2	2	2	3	3	4	4	5	5	5	5	5
Diluted Weighted Avg Shares	2	2	2	1	2	3	3	3	4	4	5	5	5	- -
Basic Weighted Avg Shares	2	2	2	1	2	3	3	3	4	4	5	5	5	- -
Revenue per Share	2.52	3.18	3.26	4.16	3.33	4.9	5.91	6.3	6.97	10.59	7.38	4.85	6.19	- -
EBITDA per Share	0.74	0.96	1	1.4	1.03	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.68	0.89	0.95	1.33	1.03	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.42	0.57	0.61	0.87	0.67	0.71	1.06	1.24	1.64	3.22	1.92	0.18	1.52	- -
Basic EPS from Cont Ops	0.42	0.57	0.61	0.87	0.67	0.71	1.06	1.24	1.64	3.22	1.92	0.18	1.52	- -
Diluted EPS, GAAP	0.42	0.57	0.58	0.82	0.67	0.7	1.05	1.23	1.63	3.21	1.92	0.18	1.52	- -
Diluted EPS from Cont Ops	0.42	0.57	0.58	0.82	0.67	0.7	1.05	1.23	1.63	3.21	1.92	0.18	1.52	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.14	1.46	1.28	0.54	- -	0.29	1.81	1.63	2.24	4.47	2.31	1.69	2.37	- -
Free Cash Flow per Basic Share	0.14	1.46	1.28	0.54	- -	-1.63	0.13	1.57	1.54	3.93	2.04	0.96	2.13	- -
Cash & Equivalents per Share	1.39	2.79	1.93	2.66	1.5	6.2	7.87	4.41	23.94	15.6	3.08	3.76	9.41	7.36
Book Value per Share	3.73	4.38	5.11	6.07	5.64	9.33	10.53	11.73	13.47	14.89	12.85	14.56	16.54	19.05
Tangible Book Value per Share	3.73	4.38	5.11	6.07	5.57	8.34	9.54	10.79	12.62	14.26	12.22	13.94	15.91	18.4

PBCO Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)