Redwood Capital Bancorp Financial Ratios — RWCB Stock

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	-3.78	- -	- -	14.87	13.96	14.42	9.73	8.98
Return on Assets (%)	- -	-0.47	0.81	1.47	1.02	1.07	1.35	1	0.97
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	8.89	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-324.61	-3.32	18.65	4.5	5.04	3	2.32	2.33	2.2
Operating Margin (%)	-345.64	-9.41	14.28	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	54.22	-5.87	- -	- -	- -	- -	- -
Pretax Margin (%)	-345.64	-9.39	14.29	34.51	39.45	39.79	41.51	33.5	32.01
Profit Margin (%)	-345.84	-9.42	14.27	24.4	28.65	28.67	30	24.44	23.14
Net Income to Common Margin (%)	-345.84	-9.42	14.27	24.4	28.65	28.67	30	24.44	23.14
Effective Tax Rate (%)	- -	- -	0.13	29.31	27.38	27.94	27.73	27.04	27.72
Dvd Payout Ratio (%)	- -	- -	- -	12.27	9.76	9.48	8.86	11.84	13.06
Sustainable Growth Rate (%)	- -	-3.78	- -	- -	13.42	12.64	13.14	8.58	7.8

Credit (USD)

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	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	- -	9	11	11	11	5	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	9	11	11	11	5	- -
Total Debt/EBITDA	- -	- -	- -	11.07	11.18	17.46	20.2	9.96	- -
Net Debt/EBITDA	2.59	36.42	-5.09	-62.05	-86.35	-35.73	-17.28	-29.82	-40.4
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	2.43	12.84	-6.64	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.97	10.02	-2.2	7.05	6.75	8.76	9.92	10.65	11.07
Long-Term Debt/Equity (%)	- -	- -	- -	25.22	27.38	28.46	24.07	9.89	- -
Long-Term Debt/Capital (%)	- -	- -	- -	20.48	21.46	19.3	17.54	8.11	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	1.81	1.85	2.09	2.11	0.94	- -
Total Debt/Equity (%)	- -	- -	- -	25.22	27.38	28.46	24.07	9.89	- -
Total Debt/Capital (%)	- -	- -	- -	20.48	21.46	19.3	17.54	8.11	- -
Total Debt/Total Assets (%)	- -	- -	- -	1.81	1.85	2.09	2.11	0.94	- -
Net Debt to Equity	-79.32	-50.14	-55.93	-141.31	-211.39	-58.26	-20.59	-29.6	-36.15
Net Debt/Capital (%)	-379.02	-96.06	68.66	325.67	190.08	-95.83	-22.24	-35.93	-51.16
EBITDA	-3	- -	1	1	1	1	1	1	- -
EBITDA-CapEx	-3	- -	1	1	- -	- -	-3	- -	- -
Operating Income (Loss)	-3	- -	1	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.97	10.02	-2.2	7.05	6.75	8.76	9.92	10.65	11.07
Long-Term Debt/Equity (%)	- -	- -	- -	25.22	27.38	28.46	24.07	9.89	- -
Long-Term Debt/Capital (%)	- -	- -	- -	20.48	21.46	19.3	17.54	8.11	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	1.81	1.85	2.09	2.11	0.94	- -
Total Debt/Equity (%)	- -	- -	- -	25.22	27.38	28.46	24.07	9.89	- -
Total Debt/Capital (%)	- -	- -	- -	20.48	21.46	19.3	17.54	8.11	- -
Total Debt/Total Assets (%)	- -	- -	- -	1.81	1.85	2.09	2.11	0.94	- -
CFO/Total Liabilities	-4.86	0.14	1.13	0.33	2.15	1.54	1.62	1.39	1.29
CFO/CapEx	- -	- -	- -	11.09	18.7	35.46	2.34	34.95	24.43
Altman's Z-Score	-0.02	0.12	0.25	0.14	0.14	0.17	0.2	0.21	0.16

Working Capital (USD)

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	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	7.51	5.33	4.33	2.66	2.28	2.11	3.77	- -
Days Sales Outstanding	- -	48.58	68.48	84.36	137.06	159.81	172.67	96.84	- -
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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	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	16	17	32	29	40	36	44	41	- -
- Cash & Cash Equivalents	7	4	5	59	96	34	20	20	20
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	9	11	11	11	5	- -
Enterprise Value	9	13	27	-76	-113	-60	31	-48	-24
Total Capital	8	8	-2	44	51	57	63	62	59
Total Debt/Capital (%)	- -	- -	- -	20.48	21.46	19.3	17.54	8.11	- -
Total Debt / EV	- -	- -	- -	-0.12	-0.1	-0.18	0.36	-0.11	- -
EV/Sales	11.4	4.04	5.08	- -	- -	- -	1.3	- -	- -
EV/EBITDA	- -	- -	27.21	- -	- -	- -	56.12	- -	- -
EV/EBIT	- -	- -	35.54	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	127.05	25.07	- -	- -	- -	3.96	- -	- -
EV/Free Cash Flow to Firm	- -	127.05	25.07	- -	- -	- -	2.77	- -	- -
Diluted Market Cap	17	19	35	29	41	37	44	42	- -
Diluted Enterprise Value	10	15	30	-21	-44	14	35	27	-20
EV per Share	5.42	8.08	16.01	- -	- -	- -	15.65	- -	- -
TTM Sales	1	3	5	18	20	21	23	22	22
TTM EBITDA	-3	- -	1	1	1	1	1	1	- -
TTM Operating Income	-3	- -	1	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-2	- -	1	2	12	7	8	7	6
TTM Free Cash Flow to Firm	-2	- -	1	2	13	8	11	7	6

Multiples (USD)

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	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	-7.8	179.76	32.67	17.48	3.23	4.78	4.03	6.15	- -
EV/EBIT	- -	- -	35.54	- -	- -	- -	- -	- -	- -
Enterprise Value	9	13	27	-76	-113	-60	31	-48	-24
Low Price	8.9	11.33	11.33	10.6	15.2	17.1	17.15	20.17	20.41
EV/Sales	11.4	4.04	5.08	- -	- -	- -	1.3	- -	- -
EV/EBITDA	- -	- -	27.21	- -	- -	- -	56.12	- -	- -
Price/Earnings	- -	- -	42.22	6.57	7.17	6.05	6.25	7.86	- -
Price/Earnings Average	-5.17	-52.38	34.81	5.88	7.1	6.53	5.29	7.95	- -
Price/Earnings High	-8.1	-77.92	55.56	8.3	8.25	7.68	6.25	8.41	- -
Price/Earnings Low	-5.41	-60.18	25.18	4.64	5.3	5.59	4.75	7.46	- -
Price/Book Value	1.86	2.13	-13.91	0.83	1	0.79	0.85	0.73	- -
Price/Book Value Average	1.68	2	-11.47	0.74	0.99	0.85	0.72	0.74	- -
Price/Book Value High	2.64	2.98	-18.31	1.05	1.15	1	0.85	0.78	- -
Price/Book Value Low	1.76	2.3	-8.3	0.59	0.74	0.73	0.65	0.69	- -
Price/Tangible Book Value	1.87	2.18	3.55	0.83	1.03	0.99	1	0.85	- -
Price/Tangible Book Value Average	1.69	2.05	2.93	0.74	1.02	1.07	0.85	0.86	- -
Price/Tangible Book Value High	2.65	3.05	4.67	1.05	1.19	1.26	1	0.91	- -
Price/Tangible Book Value Low	1.77	2.35	2.12	0.59	0.76	0.92	0.76	0.81	- -
Price/Sales	19.8	5.25	6.02	1.6	2.05	1.73	1.88	1.92	- -
Price/Sales Average	17.87	4.94	4.97	1.44	2.03	1.87	1.59	1.94	- -
Price/Sales High	28.01	7.34	7.93	2.02	2.36	2.2	1.88	2.06	- -
Price/Sales Low	18.7	5.67	3.59	1.13	1.52	1.6	1.43	1.82	- -
Price/Cash Flow	-7.3	165.03	29.76	19.06	3.35	4.86	5.71	6.19	- -
Price/Cash Flow Average	-6.59	155.15	24.54	17.06	3.32	5.25	4.83	6.26	- -
Price/Cash Flow High	-10.32	230.78	39.16	24.07	3.86	6.17	5.71	6.63	- -
Price/Cash Flow Low	-6.89	178.24	17.75	13.47	2.48	4.49	4.34	5.87	- -
Price/Free Cash Flow Average	-7.04	169.01	26.93	15.65	3.2	5.16	3.41	6.22	- -
Price/Free Cash Flow High	-11.03	251.39	42.98	22.08	3.72	6.06	4.03	6.58	- -
Price/Free Cash Flow Low	-7.37	194.16	19.48	12.36	2.39	4.42	3.06	5.84	- -
EV/Sales Average	9.47	3.73	4.02	- -	- -	0.8	1.19	1.25	- -
EV/Sales High	19.61	6.13	6.98	- -	- -	1.13	1.47	1.36	- -
EV/Sales Low	10.3	4.46	2.64	- -	- -	0.53	1.03	1.13	- -
EV/EBITDA Average	-2.92	-112.38	21.54	-30.16	-45.97	26.7	51.12	53.65	-40.4
EV/EBITDA High	-6.04	-184.91	37.4	-17.06	-39.46	37.64	63.57	58.53	-40.4
EV/EBITDA Low	-3.17	-134.52	14.17	-36.87	-56.24	17.68	44.21	48.51	-40.4
EV/EBIT Average	-2.74	-39.63	28.13	- -	- -	- -	- -	- -	- -
EV/EBIT High	-5.67	-65.2	48.86	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-2.98	-47.43	18.51	- -	- -	- -	- -	- -	- -
Last Price	9.42	10.49	19	15	20.58	18.5	22.55	21.26	28.5
High Price	13.33	14.67	25	18.94	23.67	23.49	22.55	22.75	29.65
Enterprise Value Average	7	12	21	-25	-45	17	28	27	-20
Enterprise Value High	15	20	37	-14	-39	24	35	29	-20
Enterprise Value Low	8	15	14	-30	-55	11	24	24	-20

	2004 Y	2005 Y	2006 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	- -
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	- -
Revenue per Share	0.48	2	3.15	9.35	10.02	10.67	12.02	11.06	- -
EBITDA per Share	-1.54	-0.07	0.59	0.42	0.5	0.32	0.28	0.26	- -
Operating Income per Share	-1.64	-0.19	0.45	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-1.65	-0.19	0.45	2.28	2.87	3.06	3.61	2.7	- -
Basic EPS from Cont Ops	-1.65	-0.19	0.45	2.28	2.87	3.06	3.61	2.7	- -
Diluted EPS, GAAP	-1.54	-0.17	0.41	2.28	2.82	3.03	3.58	2.65	- -
Diluted EPS from Cont Ops	-1.54	-0.17	0.41	2.28	2.82	3.03	3.58	2.65	- -
Dividend per Share	- -	- -	- -	0.28	0.28	0.29	0.32	0.32	- -
Cash Flow per Share	-1.29	0.06	0.64	0.79	6.14	3.81	3.95	3.43	- -
Free Cash Flow per Basic Share	-1.29	0.06	0.64	0.72	5.81	3.7	2.26	3.34	- -
Cash & Equivalents per Share	4	2.41	2.99	58.88	84.12	54.74	12.53	48.24	- -
Book Value per Share	5.05	4.93	-1.37	18.1	20.66	23.38	26.48	29.05	- -
Tangible Book Value per Share	5.04	4.81	5.35	18.03	19.9	18.66	22.46	25.05	- -

Redwood Capital Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)