Pacific Valley Bancorp Financial Ratios — PVBK Stock

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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 (%)	- -	-7.73	-4.87	9.69	8.67	9.18	11.52	9.78	8.19	5.89
Return on Assets (%)	- -	-1.9	-0.87	1.17	0.8	0.78	0.98	0.85	0.71	0.53
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-384.16	-51.87	-15.59	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-400.19	-57.11	-21.67	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	7.82	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-400.19	-57.11	-21.67	29.83	30.98	31.87	35.73	35.19	33.18	23.41
Profit Margin (%)	-400.76	-57.17	-21.69	20.98	21.9	22.02	24.96	24.8	23.4	16.46
Net Income to Common Margin (%)	-400.76	-57.17	-21.69	20.98	21.9	22.02	24.96	24.8	23.4	16.46
Effective Tax Rate (%)	- -	- -	- -	29.66	29.3	30.9	30.13	29.54	29.49	29.7
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-7.73	-4.87	9.69	8.67	9.18	11.52	9.78	8.19	5.89

Credit (USD)

Credit Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	3	3	- -	- -	- -	17	17	17	17
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	3	3	- -	- -	- -	17	17	17	17
Total Debt/EBITDA	- -	-3.91	-5.67	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	1.86	-2.44	3.52	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	-3.55	-4.08	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	1.79	-2.21	2.53	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	40.32	17.36	18.11	10.21	8.43	8.6	8.48	8.82	8.6	9.25
Long-Term Debt/Equity (%)	- -	28.15	15.34	- -	- -	- -	35.39	32.56	29.94	24.17
Long-Term Debt/Capital (%)	- -	21.97	13.3	- -	- -	- -	26.14	24.56	23.04	19.47
Long-Term Debt/Total Assets (%)	- -	4.89	2.78	- -	- -	- -	3	2.87	2.57	2.38
Total Debt/Equity (%)	- -	28.15	15.34	- -	- -	- -	35.39	32.56	29.94	24.17
Total Debt/Capital (%)	- -	21.97	13.3	- -	- -	- -	26.14	24.56	23.04	19.47
Total Debt/Total Assets (%)	- -	4.89	2.78	- -	- -	- -	3	2.87	2.57	2.38
Net Debt to Equity	-8.84	17.56	-9.53	-37.93	-44.25	-102.92	-58.67	-38.06	-159.2	-166.86
Net Debt/Capital (%)	-9.7	14.93	-10.53	-61.11	-79.38	3,522.85	-76.47	-40.28	544.16	390.91
EBITDA	-1	-1	-1	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	-1	-1	- -	- -	- -	- -	- -	- -	-3
Operating Income (Loss)	-1	-1	-1	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	40.32	17.36	18.11	10.21	8.43	8.6	8.48	8.82	8.6	9.25
Long-Term Debt/Equity (%)	- -	28.15	15.34	- -	- -	- -	35.39	32.56	29.94	24.17
Long-Term Debt/Capital (%)	- -	21.97	13.3	- -	- -	- -	26.14	24.56	23.04	19.47
Long-Term Debt/Total Assets (%)	- -	4.89	2.78	- -	- -	- -	3	2.87	2.57	2.38
Total Debt/Equity (%)	- -	28.15	15.34	- -	- -	- -	35.39	32.56	29.94	24.17
Total Debt/Capital (%)	- -	21.97	13.3	- -	- -	- -	26.14	24.56	23.04	19.47
Total Debt/Total Assets (%)	- -	4.89	2.78	- -	- -	- -	3	2.87	2.57	2.38
CFO/Total Liabilities	-2.55	-1.22	-0.51	0.9	1.08	1.08	1.51	1	0.57	0.56
CFO/CapEx	- -	- -	- -	- -	29.79	21.09	48.77	25.52	12.68	1.17
Altman's Z-Score	-0.12	-0.07	0.23	0.05	0.1	0.13	0.13	0.12	0.11	0.12

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	4.31	3.54	18.72	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	84.63	103.23	19.5	- -	- -	- -	- -	- -	- -
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

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	37	- -	34	48	53	46	47	53
- Cash & Cash Equivalents	1	1	5	14	17	44	28	20	90	117
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	4
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	3	3	- -	- -	- -	17	17	17	17
Enterprise Value	-1	2	35	-14	17	4	42	43	-26	-43
Total Capital	11	14	23	36	39	43	64	69	73	87
Total Debt/Capital (%)	- -	21.97	13.3	- -	- -	- -	26.14	24.56	23.04	19.47
Total Debt / EV	- -	1.6	0.09	- -	- -	- -	0.4	0.39	-0.65	-0.4
EV/Sales	119.86	1.26	10.36	2.07	1.15	0.21	1.99	2.21	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	9.31	3.73	0.75	5.4	8.1	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	9.31	3.61	0.71	5.29	7.8	- -	- -
Diluted Market Cap	- -	- -	32	40	34	48	52	46	46	- -
Diluted Enterprise Value	-1	2	30	26	17	3	41	43	-27	-96
EV per Share	9.2	1.01	12.49	5.52	3.55	0.76	8.47	8.82	- -	- -
TTM Sales	- -	1	3	13	15	17	21	20	19	22
TTM EBITDA	-1	-1	-1	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-1	-1	-1	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	-1	- -	3	5	5	8	5	3	4
TTM Free Cash Flow to Firm	- -	-1	- -	3	5	5	8	6	4	7

Multiples (USD)

Valuation Multiples API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	- -	- -	-69.9	14.09	7.21	9.26	6.59	8.23	12.51	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-1	2	35	-14	17	4	42	43	-26	-43
Low Price	- -	- -	12.06	7.6	5.64	7.18	9.32	7.95	7.7	9.11
EV/Sales	119.86	1.26	10.36	2.07	1.15	0.21	1.99	2.21	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	14.91	10.51	12.65	9.96	9.41	10.48	- -
Price/Earnings Average	- -	- -	-45.69	16.04	10.2	12.53	9.96	9.4	9.98	- -
Price/Earnings High	- -	- -	-50.03	18.28	14.28	14.49	12.89	11.8	10.78	- -
Price/Earnings Low	- -	- -	-39.46	13.55	8.3	9.16	8.66	7.95	8.5	- -
Price/Book Value	- -	- -	1.89	- -	0.88	1.11	1.11	0.89	0.83	0.81
Price/Book Value Average	- -	- -	2.01	- -	0.85	1.1	1.11	0.89	0.79	0.83
Price/Book Value High	- -	- -	2.2	- -	1.2	1.28	1.44	1.12	0.86	0.88
Price/Book Value Low	- -	- -	1.74	- -	0.7	0.81	0.97	0.75	0.67	0.75
Price/Tangible Book Value	- -	- -	1.89	- -	0.88	1.11	1.11	0.89	0.83	0.81
Price/Tangible Book Value Average	- -	- -	2.01	- -	0.85	1.1	1.11	0.89	0.79	0.83
Price/Tangible Book Value High	- -	- -	2.2	- -	1.2	1.28	1.44	1.12	0.86	0.88
Price/Tangible Book Value Low	- -	- -	1.74	- -	0.7	0.81	0.97	0.75	0.67	0.75
Price/Sales	- -	- -	9.33	3.13	2.3	2.79	2.49	2.33	2.45	- -
Price/Sales Average	- -	- -	9.91	3.37	2.23	2.76	2.49	2.33	2.34	- -
Price/Sales High	- -	- -	10.85	3.84	3.13	3.19	3.22	2.93	2.52	- -
Price/Sales Low	- -	- -	8.56	2.84	1.82	2.02	2.16	1.97	1.99	- -
Price/Cash Flow	- -	- -	-69.9	14.09	7.45	9.7	6.73	8.55	13.49	- -
Price/Cash Flow Average	- -	- -	-74.22	15.17	7.23	9.61	6.73	8.54	12.85	- -
Price/Cash Flow High	- -	- -	-81.28	17.28	10.12	11.11	8.71	10.73	13.88	- -
Price/Cash Flow Low	- -	- -	-64.11	12.81	5.89	7.02	5.85	7.23	10.94	- -
Price/Free Cash Flow Average	- -	- -	-74.22	15.17	7	9.17	6.59	8.22	11.91	- -
Price/Free Cash Flow High	- -	- -	-81.28	17.28	9.8	10.61	8.54	10.32	12.86	- -
Price/Free Cash Flow Low	- -	- -	-64.11	12.81	5.7	6.71	5.73	6.96	10.14	- -
EV/Sales Average	109.59	1.26	11.04	2.3	1.09	0.19	2	2.21	- -	- -
EV/Sales High	120.12	1.26	12.14	2.77	1.99	0.62	2.74	2.81	- -	- -
EV/Sales Low	90.68	1.26	9.46	1.78	0.67	- -	1.67	1.85	- -	- -
EV/EBITDA Average	1.86	-2.44	-70.8	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	1.86	-2.44	-77.86	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	1.86	-2.44	-60.67	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	1.79	-2.21	-50.94	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	1.79	-2.21	-56.02	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	1.79	-2.21	-43.65	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	13.15	8.36	7.14	9.92	10.72	9.4	9.5	9.8
High Price	- -	- -	15.29	10.25	9.7	11.36	13.88	11.8	9.77	10.7
Enterprise Value Average	-1	2	37	-14	16	3	42	43	-28	-41
Enterprise Value High	-1	2	41	-14	29	11	57	55	-25	-38
Enterprise Value Low	-1	2	32	-14	10	-10	35	36	-35	-46

Shares Outstanding	2	2	3	- -	5	5	5	5	5	5
Diluted Weighted Avg Shares	2	2	2	5	5	5	5	5	5	- -
Basic Weighted Avg Shares	2	2	2	5	5	5	5	5	5	- -
Revenue per Share	0.08	0.81	1.41	2.67	3.1	3.56	4.31	4.03	3.87	- -
EBITDA per Share	-0.29	-0.42	-0.22	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-0.31	-0.46	-0.31	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.31	-0.46	-0.31	0.56	0.68	0.78	1.08	1	0.91	- -
Basic EPS from Cont Ops	-0.31	-0.46	-0.31	0.56	0.68	0.78	1.08	1	0.91	- -
Diluted EPS, GAAP	-0.31	-0.46	-0.31	0.56	0.68	0.78	1.08	1	0.91	- -
Diluted EPS from Cont Ops	-0.31	-0.46	-0.31	0.56	0.68	0.78	1.08	1	0.91	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.23	-0.34	-0.19	0.59	0.96	1.02	1.59	1.1	0.7	- -
Free Cash Flow per Basic Share	-0.23	-0.34	-0.19	0.59	0.93	0.97	1.56	1.06	0.65	- -
Cash & Equivalents per Share	0.55	0.61	1.73	- -	3.59	9.16	5.66	4.01	18.17	21.58
Book Value per Share	6.2	5.75	6.95	- -	8.11	8.9	9.65	10.55	11.41	12.13
Tangible Book Value per Share	6.2	5.75	6.95	- -	8.11	8.9	9.65	10.55	11.41	12.13

Pacific Valley Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)