Poage Bankshares, Inc. Financial Ratios — PBSK Stock

Profitability (USD)

	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y
As of date	09/30/2009	09/30/2010	09/30/2011	09/30/2012	09/30/2013	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017

Return on Common Equity (%)	- -	8.42	6.05	5.42	7.12	- -	5.88	9.59	5.17	-8.62
Return on Assets (%)	- -	0.77	0.55	0.49	0.71	- -	0.52	0.75	0.4	-0.63
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	3.47	2.38	1.97	2.89	- -	2.22	3.56	2.1	- -
Gross Margin (%)	100	100	100	100	100	- -	100	100	100	100
EBITDA Margin (%)	25.49	28.02	24.7	21.28	29.54	- -	18.12	25.7	18.41	6.04
Operating Margin (%)	22.03	25.18	20.78	17.78	26	- -	13.54	19.93	12.32	- -
Incremental Operating Margin (%)	- -	32.35	48.44	1	204.07	26	13.54	63.77	156.31	273
Pretax Margin (%)	22.03	25.18	20.78	17.78	26	- -	13.54	19.93	12.32	-14.87
Profit Margin (%)	18.65	19.41	17.84	14.13	18.45	- -	10.17	15.27	9.11	-15.24
Net Income to Common Margin (%)	18.65	19.41	17.84	14.13	18.45	- -	10.17	15.27	9.11	-15.24
Effective Tax Rate (%)	15.36	22.94	14.17	20.49	29.06	- -	24.9	23.41	26.04	- -
Dvd Payout Ratio (%)	- -	- -	- -	25.65	23.1	- -	38.03	26.44	55.71	-28.49
Sustainable Growth Rate (%)	- -	8.42	6.05	4.03	5.48	- -	3.64	7.05	2.29	-11.07

Credit (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y
As of date	09/30/2009	09/30/2010	09/30/2011	09/30/2012	09/30/2013	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017

Total Debt	39	32	23	18	13	20	21	19	12	10
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	39	32	23	18	13	20	21	19	12	10
Total Debt/EBITDA	19.72	10.2	9.88	7.43	3.83	- -	6.27	3.47	3.35	9.07
Net Debt/EBITDA	10.3	-3.52	-10.82	-2.42	1.46	- -	1.12	-1.37	-3.92	-11.59
Total Debt/EBIT	22.82	11.35	11.74	8.9	4.35	- -	8.4	4.48	5.01	- -
Net Debt/EBIT	11.91	-3.92	-12.86	-2.9	1.66	- -	1.5	-1.76	-5.86	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.92	9.3	8.78	9.29	10.69	10.66	7.71	7.89	7.66	7.04
Long-Term Debt/Equity (%)	146.46	116.07	39.12	29.17	22.85	34.61	30.3	26.06	17.7	16.7
Long-Term Debt/Capital (%)	61.28	54.33	44.53	37.5	29.84	39.3	39.24	35.11	25.72	24.68
Long-Term Debt/Total Assets (%)	14.11	11.06	7.05	5.57	4.55	6.9	4.98	4.27	2.65	2.31
Total Debt/Equity (%)	146.46	116.07	39.12	29.17	22.85	34.61	30.3	26.06	17.7	16.7
Total Debt/Capital (%)	61.28	54.33	44.53	37.5	29.84	39.3	39.24	35.11	25.72	24.68
Total Debt/Total Assets (%)	14.11	11.06	7.05	5.57	4.55	6.9	4.98	4.27	2.65	2.31
Net Debt to Equity	76.46	-40.11	-42.86	-9.5	8.7	23.02	5.4	-10.25	-20.7	-21.35
Net Debt/Capital (%)	45.24	-69.82	-730.19	-24.3	13.94	30.1	10.33	-27.05	-68.13	-72.09
EBITDA	2	3	2	2	3	- -	3	5	4	1
EBITDA-CapEx	1	2	2	2	3	- -	1	4	3	1
Operating Income (Loss)	2	3	2	2	3	- -	2	4	2	- -

Liquidity (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y
As of date	09/30/2009	09/30/2010	09/30/2011	09/30/2012	09/30/2013	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.92	9.3	8.78	9.29	10.69	10.66	7.71	7.89	7.66	7.04
Long-Term Debt/Equity (%)	146.46	116.07	39.12	29.17	22.85	34.61	30.3	26.06	17.7	16.7
Long-Term Debt/Capital (%)	61.28	54.33	44.53	37.5	29.84	39.3	39.24	35.11	25.72	24.68
Long-Term Debt/Total Assets (%)	14.11	11.06	7.05	5.57	4.55	6.9	4.98	4.27	2.65	2.31
Total Debt/Equity (%)	146.46	116.07	39.12	29.17	22.85	34.61	30.3	26.06	17.7	16.7
Total Debt/Capital (%)	61.28	54.33	44.53	37.5	29.84	39.3	39.24	35.11	25.72	24.68
Total Debt/Total Assets (%)	14.11	11.06	7.05	5.57	4.55	6.9	4.98	4.27	2.65	2.31
CFO/Total Liabilities	1.07	-0.79	1.32	1.36	2.13	- -	0.72	1.27	1.42	1.26
CFO/CapEx	4.24	-3.02	14.59	16.11	9.17	- -	1.2	4.52	9.75	22.04
Altman's Z-Score	0.17	0.2	0.24	0.27	0.33	0.15	0.26	0.29	0.27	0.25

Working Capital (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y
As of date	09/30/2009	09/30/2010	09/30/2011	09/30/2012	09/30/2013	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017

Accounts Receivable Turnover	- -	8.23	6.62	8.14	9.78	- -	26.96	15.49	14.4	13.39
Days Sales Outstanding	- -	44.36	55.11	44.86	37.3	- -	13.54	23.57	25.35	27.25
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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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y
As of date	09/30/2009	09/30/2010	09/30/2011	09/30/2012	09/30/2013	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017

Market Capitalization	- -	- -	31	35	42	- -	48	59	65	70
- Cash & Cash Equivalents	19	43	48	23	8	7	17	26	26	23
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	39	32	23	18	13	20	21	19	12	10
Enterprise Value	-59	-58	6	29	47	13	52	52	51	57
Total Capital	64	59	52	47	44	51	53	53	47	42
Total Debt/Capital (%)	61.28	54.33	44.53	37.5	29.84	39.3	39.24	35.11	25.72	24.68
Total Debt / EV	-0.67	-0.55	3.96	0.6	0.28	1.5	0.4	0.36	0.24	0.18
EV/Sales	- -	- -	0.62	2.64	4	- -	2.86	2.48	2.58	3.04
EV/EBITDA	- -	- -	2.49	12.39	13.54	- -	15.77	9.66	14	50.31
EV/EBIT	- -	- -	2.96	14.83	15.39	- -	21.12	12.45	20.93	- -
EV/Cash Flow to Firm	- -	- -	1.64	8.47	9.41	- -	20.69	11.14	9.15	11.8
EV/Free Cash Flow to Firm	- -	- -	1.53	7.97	8.48	- -	11.29	9.13	8.3	11.29
Diluted Market Cap	- -	- -	31	35	42	- -	48	59	65	70
Diluted Enterprise Value	21	-11	6	29	47	13	52	52	51	57
EV per Share	- -	- -	1.88	9.49	15.07	- -	15.16	14.4	14.35	16.88
TTM Sales	8	11	9	11	12	- -	18	21	20	19
TTM EBITDA	2	3	2	2	3	- -	3	5	4	1
TTM Operating Income	2	3	2	2	3	- -	2	4	2	- -
TTM Cash Flow to Firm	3	-2	4	3	5	- -	3	5	6	5
TTM Free Cash Flow to Firm	3	-1	4	4	6	- -	5	6	6	5

Multiples (USD)

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	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y
As of date	09/30/2009	09/30/2010	09/30/2011	09/30/2012	09/30/2013	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017

Price/Free Cash Flow	- -	- -	8.19	9.53	7.57	- -	10.49	10.43	10.7	13.89
EV/EBIT	- -	- -	2.96	14.83	15.39	- -	21.12	12.45	20.93	- -
Enterprise Value	-59	-58	6	29	47	13	52	52	51	57
Low Price	- -	- -	10.85	10.76	12.25	12.75	12.46	14.5	15.5	17.2
EV/Sales	- -	- -	0.62	2.64	4	- -	2.86	2.48	2.58	3.04
EV/EBITDA	- -	- -	2.49	12.39	13.54	- -	15.77	9.66	14	50.31
Price/Earnings	- -	- -	18.44	22.3	19.36	- -	26.12	18.55	36.23	- -
Price/Earnings Average	- -	- -	18.6	21.14	18.89	- -	25.29	16.79	34.04	-22.1
Price/Earnings High	- -	- -	21.11	25.47	21.73	- -	30.79	19.53	41.23	-24.81
Price/Earnings Low	- -	- -	19.92	21.16	17.63	- -	23.11	16.36	30.58	-20.32
Price/Book Value	- -	- -	1.08	1.2	1.34	- -	1.51	1.72	1.85	2.24
Price/Book Value Average	- -	- -	1.09	1.13	1.31	- -	1.46	1.56	1.74	2.01
Price/Book Value High	- -	- -	1.24	1.37	1.51	- -	1.78	1.81	2.11	2.26
Price/Book Value Low	- -	- -	1.17	1.13	1.22	- -	1.33	1.52	1.56	1.85
Price/Tangible Book Value	- -	- -	0.53	0.58	0.72	- -	0.74	0.86	0.98	1.19
Price/Tangible Book Value Average	- -	- -	0.53	0.55	0.7	- -	0.71	0.78	0.92	1.07
Price/Tangible Book Value High	- -	- -	0.6	0.66	0.81	- -	0.87	0.9	1.11	1.2
Price/Tangible Book Value Low	- -	- -	0.57	0.55	0.66	- -	0.65	0.76	0.83	0.99
Price/Sales	- -	- -	3.29	3.15	3.57	- -	2.66	2.83	3.3	3.74
Price/Sales Average	- -	- -	3.32	2.99	3.48	- -	2.57	2.56	3.1	3.37
Price/Sales High	- -	- -	3.77	3.6	4.01	- -	3.13	2.98	3.76	3.78
Price/Sales Low	- -	- -	3.55	2.99	3.25	- -	2.35	2.5	2.79	3.1
Price/Cash Flow	- -	- -	8.75	10.12	8.4	- -	19.22	12.72	11.72	14.52
Price/Cash Flow Average	- -	- -	8.83	9.59	8.19	- -	18.6	11.52	11.01	13.07
Price/Cash Flow High	- -	- -	10.03	11.56	9.43	- -	22.65	13.4	13.34	14.68
Price/Cash Flow Low	- -	- -	9.46	9.6	7.65	- -	17	11.22	9.89	12.02
Price/Free Cash Flow Average	- -	- -	8.27	9.03	7.39	- -	10.15	9.44	10.05	12.5
Price/Free Cash Flow High	- -	- -	9.38	10.88	8.5	- -	12.36	10.98	12.17	14.04
Price/Free Cash Flow Low	- -	- -	8.85	9.04	6.89	- -	9.28	9.2	9.03	11.5
EV/Sales Average	2.63	- -	0.65	2.47	3.92	- -	2.77	2.21	2.38	2.67
EV/Sales High	2.63	- -	1.09	3.08	4.44	- -	3.33	2.63	3.03	3.08
EV/Sales Low	2.63	- -	0.88	2.48	3.68	- -	2.55	2.15	2.06	2.4
EV/EBITDA Average	10.3	-3.52	2.61	11.62	13.25	- -	15.3	8.61	12.92	44.15
EV/EBITDA High	10.3	-3.52	4.43	14.49	15.03	- -	18.39	10.24	16.48	50.98
EV/EBITDA Low	10.3	-3.52	3.56	11.63	12.47	- -	14.08	8.36	11.21	39.66
EV/EBIT Average	11.91	-3.92	3.11	13.91	15.06	- -	20.49	11.1	19.32	- -
EV/EBIT High	11.91	-3.92	5.26	17.35	17.07	- -	24.62	13.2	24.64	- -
EV/EBIT Low	11.91	-3.92	4.24	13.92	14.16	- -	18.85	10.77	16.76	- -
Last Price	- -	- -	10.04	11.34	13.45	13.09	14.09	16.44	18.36	20.77
High Price	- -	- -	11.5	12.95	15.1	15.1	16.6	17.31	20.9	21
Enterprise Value Average	21	-11	6	28	46	13	50	46	47	50
Enterprise Value High	21	-11	10	34	52	13	61	55	60	58
Enterprise Value Low	21	-11	8	28	43	13	46	45	41	45

Shares Outstanding	3	3	3	3	3	3	4	4	4	4
Diluted Weighted Avg Shares	3	3	3	3	3	- -	3	4	4	3
Basic Weighted Avg Shares	3	3	3	3	3	- -	3	4	4	3
Revenue per Share	2.32	3.34	3.05	3.6	3.77	- -	5.3	5.8	5.56	5.55
EBITDA per Share	0.59	0.94	0.75	0.77	1.11	- -	0.96	1.49	1.02	0.34
Operating Income per Share	0.51	0.84	0.63	0.64	0.98	- -	0.72	1.16	0.69	- -
Basic EPS, GAAP	0.43	0.65	0.54	0.51	0.69	- -	0.54	0.89	0.51	-0.85
Basic EPS from Cont Ops	0.43	0.65	0.54	0.51	0.69	- -	0.54	0.89	0.51	-0.85
Diluted EPS, GAAP	0.43	0.65	0.54	0.51	0.69	- -	0.54	0.89	0.5	-0.85
Diluted EPS from Cont Ops	0.43	0.65	0.54	0.51	0.69	- -	0.54	0.89	0.5	-0.85
Dividend per Share	- -	- -	- -	0.13	0.16	- -	0.21	0.23	0.28	0.24
Cash Flow per Share	0.8	-0.62	1.15	1.12	1.6	- -	0.73	1.29	1.57	1.43
Free Cash Flow per Basic Share	0.61	-0.82	1.07	1.05	1.43	- -	0.12	1.01	1.41	1.37
Cash & Equivalents per Share	29.16	26.82	15.61	7.55	2.64	- -	4.96	7.22	7.45	6.93
Book Value per Share	7.38	8.03	9.28	9.48	10.03	- -	9.34	9.57	9.91	9.29
Tangible Book Value per Share	7.97	8.23	19.04	19.51	18.66	- -	19.16	19.14	18.75	17.46

Poage Bankshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)