Pacific State Bancorp Financial Ratios — PSBC Stock

Profitability (USD)

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Return on Common Equity (%)	- -	- -	- -	21.96	11.21	16.61	21	22.41	27.09	20.93	-24.24	- -
Return on Assets (%)	- -	0.8	0.93	0.88	0.77	1.08	1.39	1.52	1.59	1.11	-1.22	-5.82
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	11.89	9.05	10.28	11.91	13.45	14.42	5.5	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	97.84	- -	-369.47	29.94	31.93	38.01	43.23	46.71	48.13	37.94	-53.82	-158.14
Operating Margin (%)	97.84	- -	-369.47	22.64	22.62	31.93	38.86	42.97	46.1	37.47	-56.51	-166.44
Incremental Operating Margin (%)	- -	-599.01	- -	93.18	22.5	62.57	65.97	60.47	59.08	6,908	- -	- -
Pretax Margin (%)	- -	- -	- -	22.64	22.62	31.93	38.86	42.97	46.1	37.47	-56.51	-166.44
Profit Margin (%)	4.51	6.05	96.28	15.07	14.68	19.86	24.42	26.76	27.87	22.9	-27.77	-163.99
Net Income to Common Margin (%)	4.51	6.05	96.28	15.07	14.68	19.86	24.42	26.76	27.87	22.9	-27.77	-163.99
Effective Tax Rate (%)	- -	- -	- -	33.42	35.14	37.79	37.16	37.72	39.55	38.88	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	21.96	11.21	16.61	21	22.41	27.09	20.93	-24.24	- -

Credit (USD)

Credit Ratios API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Total Debt	- -	- -	- -	- -	5	10	13	13	14	89	49	38
ST Debt	- -	- -	- -	- -	1	1	4	4	5	40	- -	- -
LT Debt	- -	- -	- -	- -	4	9	9	9	9	49	49	38
Total Debt/EBITDA	- -	- -	- -	- -	1.98	2.59	2.28	1.71	1.43	11.78	-4.85	-1.7
Net Debt/EBITDA	- -	- -	- -	-2.64	-5.32	0.21	-0.97	-0.23	-0.56	5.32	-3.19	-1.23
Total Debt/EBIT	- -	- -	- -	- -	2.79	3.08	2.53	1.85	1.49	11.93	-4.62	-1.62
Net Debt/EBIT	- -	- -	- -	-3.5	-7.51	0.25	-1.08	-0.25	-0.58	5.39	-3.04	-1.17
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	- -	- -	7.78	6.28	6.67	6.6	6.93	5.03	5.57	4.46	-1.14
Long-Term Debt/Equity (%)	- -	- -	- -	- -	35.34	68.02	52.07	41.01	30.16	143.27	178.73	664.98
Long-Term Debt/Capital (%)	- -	- -	- -	- -	24.51	38.88	29.66	25.6	26.46	43.24	72.16	112.59
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	2.22	4.56	3.45	2.83	2.27	11.31	11.57	10.21
Total Debt/Equity (%)	- -	- -	- -	- -	44.17	75.45	75.84	59.72	47.02	260.79	178.73	664.98
Total Debt/Capital (%)	- -	- -	- -	- -	30.64	43.12	43.2	37.29	41.26	78.71	72.16	112.59
Total Debt/Total Assets (%)	- -	- -	- -	- -	2.78	5.05	5.02	4.12	3.53	20.59	11.57	10.21
Net Debt to Equity	- -	- -	- -	-58.01	-118.96	6.22	-32.35	-7.9	-18.31	117.79	117.52	479.79
Net Debt/Capital (%)	- -	- -	- -	-136.2	627.49	5.89	-48	-8.54	-37.65	62.55	63.02	118.35
EBITDA	10	- -	-4	2	3	4	6	7	10	8	-10	-22
EBITDA-CapEx	10	- -	-4	2	3	4	6	7	10	4	-15	-23
Operating Income (Loss)	10	- -	-4	2	2	3	5	7	9	7	-11	-23

Liquidity (USD)

Liquidity Ratios API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	- -	- -	7.78	6.28	6.67	6.6	6.93	5.03	5.57	4.46	-1.14
Long-Term Debt/Equity (%)	- -	- -	- -	- -	35.34	68.02	52.07	41.01	30.16	143.27	178.73	664.98
Long-Term Debt/Capital (%)	- -	- -	- -	- -	24.51	38.88	29.66	25.6	26.46	43.24	72.16	112.59
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	2.22	4.56	3.45	2.83	2.27	11.31	11.57	10.21
Total Debt/Equity (%)	- -	- -	- -	- -	44.17	75.45	75.84	59.72	47.02	260.79	178.73	664.98
Total Debt/Capital (%)	- -	- -	- -	- -	30.64	43.12	43.2	37.29	41.26	78.71	72.16	112.59
Total Debt/Total Assets (%)	- -	- -	- -	- -	2.78	5.05	5.02	4.12	3.53	20.59	11.57	10.21
CFO/Total Liabilities	- -	- -	- -	1.43	0.91	1.73	1.35	1.4	1.54	1.93	0.72	1.48
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.49	0.53	12.18
Altman's Z-Score	0.59	0.15	-0.06	0.2	0.16	0.24	0.35	0.32	0.33	0.25	0.03	-0.18

Working Capital (USD)

Working Capital Ratios API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Accounts Receivable Turnover	- -	- -	- -	7.77	3.03	1.83	2	2.76	2.81	2.21	1.44	1.1
Days Sales Outstanding	- -	- -	- -	47	120.51	198.97	182.07	132.35	129.83	165.11	253.53	330.53
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

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Market Capitalization	5	6	7	11	13	27	71	64	77	46	7	1
- Cash & Cash Equivalents	- -	- -	- -	5	18	9	18	14	19	49	17	11
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	5	10	13	13	14	89	49	38
Enterprise Value	5	6	7	6	-1	28	65	63	71	86	39	29
Total Capital	- -	- -	- -	9	16	24	30	34	33	113	68	34
Total Debt/Capital (%)	- -	- -	- -	- -	30.64	43.12	43.2	37.29	41.26	78.71	72.16	112.59
Total Debt / EV	- -	- -	- -	- -	-9.19	0.36	0.2	0.2	0.19	1.03	1.25	1.32
EV/Sales	0.49	0.49	7.11	0.82	- -	2.71	5.02	3.92	3.59	4.35	2.09	2.04
EV/EBITDA	0.5	- -	- -	2.75	- -	7.13	11.62	8.39	7.46	11.47	- -	- -
EV/EBIT	0.5	- -	- -	3.64	- -	8.48	12.92	9.12	7.79	11.61	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	3.53	- -	8.62	20.28	15.6	12.97	11.28	13.71	5.33
EV/Free Cash Flow to Firm	- -	- -	- -	3.53	- -	8.62	20.28	15.6	12.97	8.05	4.74	4.92
Diluted Market Cap	6	6	8	12	13	28	77	72	85	50	7	1
Diluted Enterprise Value	6	6	8	6	- -	29	72	70	80	90	39	29
EV per Share	2.06	2.31	2.66	1.91	- -	8.32	18.92	18.02	20.23	23.44	10.54	7.69
TTM Sales	11	12	1	7	8	10	13	16	20	20	19	14
TTM EBITDA	10	- -	-4	2	3	4	6	7	10	8	-10	-22
TTM Operating Income	10	- -	-4	2	2	3	5	7	9	7	-11	-23
TTM Cash Flow to Firm	- -	- -	- -	2	2	3	3	4	6	8	3	5
TTM Free Cash Flow to Firm	- -	- -	- -	2	2	3	3	4	6	11	8	6

Multiples (USD)

Valuation Multiples API ChatGPT

	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y
As of date	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009

Price/Free Cash Flow	- -	- -	- -	7.33	8.79	8.64	24.07	17.92	15.51	4.69	0.85	0.24
EV/EBIT	0.5	- -	- -	3.64	- -	8.48	12.92	9.12	7.79	11.61	- -	- -
Enterprise Value	5	6	7	6	-1	28	65	63	71	86	39	29
Low Price	1.88	1.75	2.16	2.56	3.63	4	7.75	14	16.26	12	1.9	0.34
EV/Sales	0.49	0.49	7.11	0.82	- -	2.71	5.02	3.92	3.59	4.35	2.09	2.04
EV/EBITDA	0.5	- -	- -	2.75	- -	7.13	11.62	8.39	7.46	11.47	- -	- -
Price/Earnings	10.84	8.11	7.38	10.71	11.11	13.23	22.28	15.04	13.85	10.19	- -	- -
Price/Earnings Average	12.97	6.81	6.91	8.9	11.56	10.1	13.78	13.95	12.1	14.95	-6.14	-0.22
Price/Earnings High	15.16	8.11	7.47	11.17	13.19	13.33	22.83	21.95	15.61	19.64	-10.58	-0.47
Price/Earnings Low	9.89	6.14	6	7.31	10.08	6.56	8.42	11.38	10.36	9.73	-1.36	-0.05
Price/Book Value	- -	- -	- -	1.18	1.14	2.03	4.21	3	3.95	1.93	0.37	-0.33
Price/Book Value Average	- -	- -	- -	0.98	1.19	1.55	2.6	2.78	3.45	2.83	1.69	-1.2
Price/Book Value High	- -	- -	- -	1.23	1.36	2.04	4.31	4.38	4.45	3.72	2.92	-2.55
Price/Book Value Low	- -	- -	- -	0.8	1.04	1	1.59	2.27	2.95	1.84	0.37	-0.3
Price/Tangible Book Value	0.89	0.98	0.93	1.18	1.14	2.02	4.2	3.02	2.64	1.36	0.26	0.24
Price/Tangible Book Value Average	1.07	0.82	0.87	0.98	1.19	1.54	2.59	2.8	2.31	2	1.17	0.9
Price/Tangible Book Value High	1.25	0.98	0.94	1.23	1.36	2.03	4.3	4.4	2.98	2.62	2.01	1.9
Price/Tangible Book Value Low	0.81	0.74	0.75	0.81	1.04	1	1.59	2.28	1.98	1.3	0.26	0.22
Price/Sales	0.49	0.49	7.11	1.61	1.63	2.63	5.44	4.02	3.86	2.33	0.38	0.1
Price/Sales Average	0.58	0.41	6.65	1.34	1.7	2.01	3.36	3.73	3.37	3.42	1.7	0.36
Price/Sales High	0.68	0.49	7.19	1.68	1.94	2.65	5.57	5.87	4.35	4.5	2.94	0.77
Price/Sales Low	0.45	0.37	5.78	1.1	1.48	1.3	2.06	3.05	2.89	2.23	0.38	0.09
Price/Cash Flow	- -	- -	- -	6.92	8.42	8.36	21.98	16.02	13.93	6.05	2.47	0.26
Price/Cash Flow Average	- -	- -	- -	5.74	8.76	6.38	13.59	14.86	12.17	8.88	11.17	0.95
Price/Cash Flow High	- -	- -	- -	7.21	10	8.42	22.51	23.39	15.71	11.66	19.25	2.01
Price/Cash Flow Low	- -	- -	- -	4.72	7.64	4.14	8.31	12.13	10.42	5.78	2.47	0.24
Price/Free Cash Flow Average	- -	- -	- -	6.09	9.14	6.6	14.88	16.62	13.55	6.88	3.86	0.87
Price/Free Cash Flow High	- -	- -	- -	7.65	10.44	8.71	24.66	26.15	17.49	9.03	6.66	1.86
Price/Free Cash Flow Low	- -	- -	- -	5.01	7.98	4.28	9.1	13.56	11.6	4.47	0.85	0.22
EV/Sales Average	0.58	0.41	6.65	0.55	0.01	2.09	2.94	3.63	3.1	5.44	3.42	2.3
EV/Sales High	0.68	0.49	7.19	0.89	0.24	2.73	5.16	5.77	4.08	6.52	4.65	2.71
EV/Sales Low	0.45	0.37	5.78	0.31	- -	1.38	1.64	2.94	2.62	4.25	2.09	2.03
EV/EBITDA Average	0.6	- -	-1.8	1.84	-0.01	5.49	6.81	7.76	6.45	14.34	-6.35	-1.46
EV/EBITDA High	0.7	- -	-1.95	2.98	0.74	7.18	11.92	12.35	8.48	17.17	-8.65	-1.71
EV/EBITDA Low	0.46	- -	-1.56	1.04	-0.69	3.64	3.79	6.29	5.44	11.19	-3.89	-1.28
EV/EBIT Average	0.6	- -	-1.8	2.43	-0.01	6.54	7.58	8.44	6.73	14.52	-6.05	-1.38
EV/EBIT High	0.7	- -	-1.95	3.94	1.05	8.54	13.26	13.43	8.86	17.39	-8.23	-1.63
EV/EBIT Low	0.46	- -	-1.56	1.37	-0.97	4.33	4.21	6.84	5.68	11.33	-3.7	-1.22
Last Price	2.06	2.31	2.66	3.75	4	8.07	20.5	18.5	21.74	12.57	1.9	0.37
High Price	2.88	2.31	2.69	3.91	4.75	8.13	21	27	24.51	24.23	14.8	2.9
Enterprise Value Average	6	5	7	4	- -	22	38	58	62	108	64	32
Enterprise Value High	7	6	8	6	2	28	67	92	81	129	87	38
Enterprise Value Low	5	5	6	2	-2	14	21	47	52	84	39	29

Shares Outstanding	- -	- -	- -	3	3	3	3	3	4	4	4	4
Diluted Weighted Avg Shares	3	3	3	3	3	3	4	4	4	4	4	4
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	4	4	4	4
Revenue per Share	4.21	4.71	0.37	2.32	2.45	3.07	3.77	4.6	5.63	5.39	5.04	3.78
EBITDA per Share	4.12	- -	-1.38	0.7	0.78	1.17	1.63	2.15	2.71	2.04	-2.71	-5.97
Operating Income per Share	4.12	- -	-1.38	0.53	0.55	0.98	1.46	1.98	2.6	2.02	-2.85	-6.28
Basic EPS, GAAP	0.19	0.28	0.36	0.35	0.36	0.61	0.92	1.23	1.57	1.23	-1.4	-6.19
Basic EPS from Cont Ops	0.19	0.28	0.36	0.35	0.36	0.61	0.92	1.23	1.57	1.23	-1.4	-6.19
Diluted EPS, GAAP	0.17	0.27	0.34	0.33	0.35	0.59	0.84	1.1	1.41	1.14	-1.4	-6.19
Diluted EPS from Cont Ops	0.17	0.27	0.34	0.33	0.35	0.59	0.84	1.1	1.41	1.14	-1.4	-6.19
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	0.54	0.47	0.97	0.93	1.15	1.56	2.08	0.77	1.44
Free Cash Flow per Basic Share	- -	- -	- -	0.54	0.47	0.97	0.93	1.15	1.56	1.24	-0.69	1.33
Cash & Equivalents per Share	- -	- -	- -	1.84	5.72	2.77	5.29	4.15	5.38	13.2	4.5	2.83
Book Value per Share	- -	- -	- -	3.19	3.5	3.98	4.87	6.16	5.51	6.51	5.07	-1.14
Tangible Book Value per Share	2.31	2.36	2.87	3.17	3.5	4	4.89	6.13	8.23	9.23	7.35	1.53

Pacific State Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)