Pontiac Bancorp, Inc.

PONT

PONTPontiac Bancorp, Inc. US flag

Other OTC

675.00

USD

- -

139.84MMarket Cap

Income Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	22	25	29	31	36	39	43
+ Sales & Services Revenue	22	25	29	31	36	39	43
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-12	-13	-16	-18	-19	-22	-22
- Operating Expenses	12	13	16	18	19	22	22
+ Selling, General & Admin	- -	- -	- -	- -	- -	- -	- -
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	12	13	16	18	19	22	22
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-8	-10	-12	-12	-16	-16	-21
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-8	-10	-12	-12	-16	-16	-21
Pretax Income	8	10	12	12	16	16	21
- Income Tax Expense (Benefit)	2	2	3	3	4	4	5
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	6	7	9	9	12	12	15
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	6	7	9	9	12	12	15
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	6	7	9	9	12	12	15
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	6	7	9	9	12	12	15
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITA	-1	-1	-1	-2	-1	-2	-2
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	28.82	29.79	30.52	28.23	32.85	29.7	35.38
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	6.4	7.88	8.8	9.99	12.67	12.89	- -
Depreciation Expense	1	1	1	2	1	2	2
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	30.66	36.38	43.05	43.05	56.57	56.57	- -
Basic EPS from Cont Ops	30.66	36.38	43.05	43.05	56.57	56.57	- -
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	30.5	36.2	42.8	42.93	56.53	56.27	- -
Diluted EPS from Cont Ops	30.5	36.2	42.8	42.93	56.53	56.27	- -

Balance Sheet (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	45	87	228	45	29	110	93
+ Cash & Cash Equivalents	45	87	228	45	29	110	93
+ ST Investments	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	4	4	5	6	7	8	8
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	4	4	5	6	7	8	8
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-48	-91	-233	-51	-37	-118	-101
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	8	8	10	9	10	11	10
+ Property, Plant & Equip	17	16	20	20	21	23	20
- Accumulated Depreciation	9	9	10	10	11	12	10
+ LT Investments & Receivables	74	81	127	219	173	163	170
+ LT Investments	74	81	127	219	173	163	170
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-82	-88	-137	-228	-183	-174	-180
+ Total Intangible Assets	2	1	17	17	16	27	27
+ Goodwill	1	1	14	14	14	23	23
+ Other Intangible Assets	- -	- -	3	2	2	5	4
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-84	-90	-154	-245	-199	-202	-207
Total Assets	567	625	964	988	1,016	1,151	1,172
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	4	11	40	68	20	20
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	- -	-4	-11	-40	-68	-20	-20
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	-4	-11	-40	-68	-20	-20
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	476	527	860	890	906	1,032	1,036
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	8	8	8	9	9	9	10
+ Common Stock	2	2	2	2	2	2	2
+ Additional Paid in Capital	5	5	6	6	7	7	7
- Treasury Stock	10	10	10	10	10	11	11
+ Retained Earnings	95	101	108	115	124	133	145
+ Other Equity	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	90	98	104	99	109	119	136
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	90	98	104	99	109	119	136
Total Liabilities & Equity	567	625	964	988	1,016	1,151	1,172
Shares Outstanding	- -	- -	- -	- -	- -	- -	- -
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -
Net Debt	-45	-87	-228	-45	-29	-110	-93
Net Debt to Equity	-49.63	-88.81	-218.56	-45.19	-26.94	-92.26	-68.12
Tangible Common Equity Ratio	15.68	15.43	9.25	8.45	9.33	8.14	9.57
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	6	7	9	9	12	12	15
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	3	5	4	4	3	5	3
+ Stock-Based Compensation	1	1	1	1	1	1	1
+ Deferred Income Taxes	- -	- -	- -	- -	- -	1	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	3	5	3	3	2	3	2
+ Chg in Non-Cash Work Cap	- -	-2	- -	-1	1	- -	- -
+ (Inc) Dec in Accts Receiv	- -	- -	1	-1	-1	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	- -	-1	-1	- -	2	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	9	11	12	12	16	17	18
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-4	-1	- -	- -	-1	-1	- -
+ Acq of Fixed Prod Assets	-4	-1	- -	- -	-1	-1	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	-1	- -	- -	-1	-1
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	-1	- -	- -	-1	-1
+ Net Change in LT Investment	6	-4	-8	-113	49	8	-1
+ Dec in LT Investment	18	13	26	39	70	25	16
+ Inc in LT Investment	-11	-18	-35	-152	-22	-16	-17
+ Net Cash From Acq & Div	- -	- -	21	- -	- -	136	- -
+ Cash from Divestitures	- -	- -	21	- -	- -	136	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-10	-13	1	-111	-88	-37	-33
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-7	-18	13	-225	-41	106	-35
+ Dividends Paid	-1	-2	-2	-2	-3	-3	-3
+ Net Cash From Debt	- -	4	3	29	38	-58	- -
+ Cash From Debt	- -	4	15	40	56	- -	- -
+ Repayments of Debt	- -	- -	-12	-11	-18	-58	- -
+ Other Financing Activities	11	47	116	3	-25	19	3
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	9	49	116	29	10	-43	- -
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	11	42	141	-184	-15	80	-17
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	5	10	12	11	14	15	18
Net Cash Paid for Acquisitions	- -	- -	-21	- -	- -	-136	- -
Free Cash Flow to Firm	5	10	12	11	14	15	18
Free Cash Flow to Equity	- -	14	15	40	52	-43	18
Free Cash Flow per Basic Share	23.74	51.28	57.89	55.85	68.62	74.05	- -
Price/Free Cash Flow	6.6	7.83	7.64	7.77	5.56	6.19	- -
Cash Flow to Net Income	1.42	1.5	1.39	1.32	1.34	1.42	1.19
Capital Expenditures	-4	-1	- -	- -	-1	-1	- -