Pacific Alliance Bank Financial Ratios — PFBN Stock

Profitability (USD)

	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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 (%)	- -	-16.64	9.17	5.93	11.62	11.07	6.97	2.7	4.2
Return on Assets (%)	- -	-6.75	1.46	0.73	1.32	1.35	0.9	0.36	0.54
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-800	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-800	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	72.79	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	- -	38.32	32.53	52.89	53.55	41.25	20.56	26.32
Profit Margin (%)	-800	-203.66	26.92	22.88	37.23	37.49	28.95	14.45	18.45
Net Income to Common Margin (%)	-800	-203.66	26.92	22.88	37.23	37.49	28.95	14.45	18.45
Effective Tax Rate (%)	- -	- -	29.75	29.68	29.62	29.99	29.81	29.75	29.9
Dvd Payout Ratio (%)	- -	- -	13.55	13.81	6.5	6.11	8.98	22.49	14.08
Sustainable Growth Rate (%)	- -	-16.64	7.92	5.11	10.87	10.4	6.35	2.1	3.61

Credit (USD)

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	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	2	- -	13	8	25	35	25	17
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	2	- -	13	8	25	35	25	17
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	0.66	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	0.66	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	85.77	25.03	14.1	10.89	11.83	12.59	13.37	13.05	12.63
Long-Term Debt/Equity (%)	- -	13.42	- -	31.32	17.71	52.4	67.38	46.8	30.16
Long-Term Debt/Capital (%)	- -	12.59	- -	24.86	15.44	33.83	40.01	31.79	23.41
Long-Term Debt/Total Assets (%)	- -	3.61	- -	3.6	2.16	6.44	8.91	6.08	3.86
Total Debt/Equity (%)	- -	13.42	- -	31.32	17.71	52.4	67.38	46.8	30.16
Total Debt/Capital (%)	- -	12.59	- -	24.86	15.44	33.83	40.01	31.79	23.41
Total Debt/Total Assets (%)	- -	3.61	- -	3.6	2.16	6.44	8.91	6.08	3.86
Net Debt to Equity	-3.29	8.58	-43.18	-136.88	-81.78	-71.58	-86.36	-115.98	-92.82
Net Debt/Capital (%)	-3.43	8.44	-81.63	1,253.76	-248.62	-85.91	-105.24	-371.6	-257.82
EBITDA	-1	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	- -	- -	- -	-6	-3	- -	- -	-1
Operating Income (Loss)	-1	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	85.77	25.03	14.1	10.89	11.83	12.59	13.37	13.05	12.63
Long-Term Debt/Equity (%)	- -	13.42	- -	31.32	17.71	52.4	67.38	46.8	30.16
Long-Term Debt/Capital (%)	- -	12.59	- -	24.86	15.44	33.83	40.01	31.79	23.41
Long-Term Debt/Total Assets (%)	- -	3.61	- -	3.6	2.16	6.44	8.91	6.08	3.86
Total Debt/Equity (%)	- -	13.42	- -	31.32	17.71	52.4	67.38	46.8	30.16
Total Debt/Capital (%)	- -	12.59	- -	24.86	15.44	33.83	40.01	31.79	23.41
Total Debt/Total Assets (%)	- -	3.61	- -	3.6	2.16	6.44	8.91	6.08	3.86
CFO/Total Liabilities	- -	- -	0.82	0.39	1.04	1.49	1.9	0.84	0.6
CFO/CapEx	- -	- -	13.43	6.47	0.57	1.95	75.21	75.38	4.46
Altman's Z-Score	-0.2	0.16	0.16	0.11	0.15	0.16	0.16	0.15	0.11

Working Capital (USD)

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	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	7.78	56.95	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	46.91	6.41	- -	- -	- -	- -	- -	- -
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)

API ChatGPT

	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	14	32	20	30	30	30	29	- -
- Cash & Cash Equivalents	1	1	17	57	37	34	45	62	52
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	2	- -	13	8	25	35	25	17
Enterprise Value	-1	16	15	-24	1	21	20	-8	-35
Total Capital	16	15	37	52	52	74	87	79	73
Total Debt/Capital (%)	- -	12.59	- -	24.86	15.44	33.83	40.01	31.79	23.41
Total Debt / EV	- -	0.12	- -	-0.55	5.35	1.2	1.78	-3.16	-0.48
EV/Sales	- -	13.31	1.79	- -	0.12	1.52	1.61	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	8.26	- -	0.44	4.1	3.05	- -	- -
EV/Free Cash Flow to Firm	- -	- -	7.69	- -	0.16	2.71	3.01	- -	- -
Diluted Market Cap	- -	14	33	20	31	30	30	29	- -
Diluted Enterprise Value	-1	16	16	-24	2	21	20	-8	-35
EV per Share	- -	9.43	4.9	- -	0.48	6.6	6.17	- -	- -
TTM Sales	- -	1	9	10	13	14	12	10	12
TTM EBITDA	-1	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-1	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	2	1	3	5	6	3	2
TTM Free Cash Flow to Firm	- -	- -	2	1	9	8	7	3	3

Multiples (USD)

API ChatGPT

	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	16.3	13.98	3.28	3.93	4.52	9.58	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-1	16	15	-24	1	21	20	-8	-35
Low Price	- -	4.5	10	6.1	6.4	9	8	8.25	8.31
EV/Sales	- -	13.31	1.79	- -	0.12	1.52	1.61	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	13.89	8.87	6.3	5.84	8.37	20.26	- -
Price/Earnings Average	- -	-5.6	14.07	10.66	5.53	5.84	7.88	19.19	- -
Price/Earnings High	- -	-7.27	14.64	14.57	6.3	6.09	9.09	20.82	- -
Price/Earnings Low	- -	-3.12	13.55	8.42	4.16	5.53	7.24	18.57	- -
Price/Book Value	- -	1.09	0.86	0.51	0.69	0.61	0.56	0.54	- -
Price/Book Value Average	- -	1.02	0.87	0.62	0.61	0.61	0.53	0.51	- -
Price/Book Value High	- -	1.32	0.91	0.84	0.69	0.64	0.61	0.56	- -
Price/Book Value Low	- -	0.57	0.84	0.49	0.46	0.58	0.49	0.5	- -
Price/Tangible Book Value	- -	1.02	0.83	0.49	0.67	0.63	0.57	0.54	- -
Price/Tangible Book Value Average	- -	0.95	0.84	0.58	0.59	0.63	0.54	0.52	- -
Price/Tangible Book Value High	- -	1.23	0.87	0.8	0.67	0.65	0.62	0.56	- -
Price/Tangible Book Value Low	- -	0.53	0.81	0.46	0.44	0.6	0.49	0.5	- -
Price/Sales	- -	12.28	3.74	2.03	2.35	2.19	2.42	2.93	- -
Price/Sales Average	- -	11.41	3.79	2.44	2.06	2.19	2.28	2.77	- -
Price/Sales High	- -	14.82	3.94	3.33	2.35	2.28	2.63	3.01	- -
Price/Sales Low	- -	6.35	3.65	1.93	1.55	2.07	2.1	2.68	- -
Price/Cash Flow	- -	- -	17.27	16.14	9.01	5.9	4.58	9.71	- -
Price/Cash Flow Average	- -	- -	17.49	19.41	7.91	5.9	4.31	9.2	- -
Price/Cash Flow High	- -	- -	18.2	26.53	9.01	6.15	4.98	9.98	- -
Price/Cash Flow Low	- -	- -	16.85	15.34	5.95	5.59	3.96	8.9	- -
Price/Free Cash Flow Average	- -	- -	16.51	16.81	2.88	3.93	4.26	9.08	- -
Price/Free Cash Flow High	- -	- -	17.18	22.98	3.28	4.1	4.91	9.85	- -
Price/Free Cash Flow Low	- -	- -	15.9	13.28	2.17	3.73	3.91	8.78	- -
EV/Sales Average	- -	12.44	1.84	- -	- -	1.52	1.47	- -	- -
EV/Sales High	- -	15.85	1.99	- -	0.12	1.61	1.82	- -	- -
EV/Sales Low	- -	7.38	1.7	- -	- -	1.41	1.29	- -	- -
EV/EBITDA Average	0.66	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	0.66	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	0.66	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	0.66	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	0.66	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	0.66	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	8.7	10.25	6.42	9.7	9.5	9.25	9	8.31
High Price	- -	10.5	10.8	10.55	9.7	9.9	10.05	9.25	12.5
Enterprise Value Average	-1	15	16	-20	-2	21	18	-9	-35
Enterprise Value High	-1	19	17	-11	1	22	22	-7	-35
Enterprise Value Low	-1	9	15	-25	-9	19	16	-10	-35

Shares Outstanding	2	2	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	2	2	3	3	3	3	3	3	- -
Basic Weighted Avg Shares	2	2	3	3	3	3	3	3	- -
Revenue per Share	0.06	0.71	2.74	3.17	4.13	4.34	3.82	3.08	- -
EBITDA per Share	-0.47	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-0.47	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.47	-1.44	0.74	0.72	1.54	1.63	1.11	0.44	- -
Basic EPS from Cont Ops	-0.47	-1.44	0.74	0.72	1.54	1.63	1.11	0.44	- -
Diluted EPS, GAAP	-0.47	-1.44	0.73	0.72	1.53	1.61	1.11	0.44	- -
Diluted EPS from Cont Ops	-0.47	-1.44	0.73	0.72	1.53	1.61	1.11	0.44	- -
Dividend per Share	- -	- -	0.1	0.1	0.1	0.1	0.1	0.1	- -
Cash Flow per Share	- -	- -	0.59	0.4	1.08	1.61	2.02	0.93	- -
Free Cash Flow per Basic Share	- -	- -	0.55	0.34	-0.82	0.78	1.99	0.91	- -
Cash & Equivalents per Share	0.31	0.41	5.35	18.11	11.77	10.82	14.03	19.19	- -
Book Value per Share	9.4	7.95	11.9	12.52	13.96	15.5	16.42	16.61	- -
Tangible Book Value per Share	9.46	8.54	12.38	13.23	14.4	15.12	16.25	16.55	- -

Pacific Alliance Bank

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)