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

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

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
As of date	12/31/2004	12/31/2005	12/31/2006	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	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	0.23

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

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)

API ChatGPT

	2004 Y	2005 Y	2006 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	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	16	17	32	29	40	36	44	41	55
- 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	31
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	- -	1.4
EV/EBITDA	- -	- -	27.21	- -	- -	- -	56.12	- -	63.78
EV/EBIT	- -	- -	35.54	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	127.05	25.07	- -	- -	- -	3.96	- -	5.1
EV/Free Cash Flow to Firm	- -	127.05	25.07	- -	- -	- -	2.77	- -	4.9
Diluted Market Cap	17	19	35	29	41	37	44	42	56
Diluted Enterprise Value	10	15	30	-21	-44	14	35	27	36
EV per Share	5.42	8.08	16.01	- -	- -	- -	15.65	- -	16.2
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)

API ChatGPT

	2004 Y	2005 Y	2006 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	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	-7.8	179.76	32.67	17.48	3.23	4.78	4.03	6.15	8.66
EV/EBIT	- -	- -	35.54	- -	- -	- -	- -	- -	- -
Enterprise Value	9	13	27	-76	-113	-60	31	-48	31
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	- -	1.4
EV/EBITDA	- -	- -	27.21	- -	- -	- -	56.12	- -	63.78
Price/Earnings	- -	- -	42.22	6.57	7.17	6.05	6.25	7.86	10.67
Price/Earnings Average	-5.17	-52.38	34.81	5.88	7.1	6.53	5.29	7.95	9.02
Price/Earnings High	-8.1	-77.92	55.56	8.3	8.25	7.68	6.25	8.41	11.1
Price/Earnings Low	-5.41	-60.18	25.18	4.64	5.3	5.59	4.75	7.46	7.64
Price/Book Value	1.86	2.13	-13.91	0.83	1	0.79	0.85	0.73	0.94
Price/Book Value Average	1.68	2	-11.47	0.74	0.99	0.85	0.72	0.74	0.79
Price/Book Value High	2.64	2.98	-18.31	1.05	1.15	1	0.85	0.78	0.98
Price/Book Value Low	1.76	2.3	-8.3	0.59	0.74	0.73	0.65	0.69	0.67
Price/Tangible Book Value	1.87	2.18	3.55	0.83	1.03	0.99	1	0.85	1.03
Price/Tangible Book Value Average	1.69	2.05	2.93	0.74	1.02	1.07	0.85	0.86	0.87
Price/Tangible Book Value High	2.65	3.05	4.67	1.05	1.19	1.26	1	0.91	1.07
Price/Tangible Book Value Low	1.77	2.35	2.12	0.59	0.76	0.92	0.76	0.81	0.74
Price/Sales	19.8	5.25	6.02	1.6	2.05	1.73	1.88	1.92	2.47
Price/Sales Average	17.87	4.94	4.97	1.44	2.03	1.87	1.59	1.94	2.09
Price/Sales High	28.01	7.34	7.93	2.02	2.36	2.2	1.88	2.06	2.57
Price/Sales Low	18.7	5.67	3.59	1.13	1.52	1.6	1.43	1.82	1.77
Price/Cash Flow	-7.3	165.03	29.76	19.06	3.35	4.86	5.71	6.19	8.97
Price/Cash Flow Average	-6.59	155.15	24.54	17.06	3.32	5.25	4.83	6.26	7.59
Price/Cash Flow High	-10.32	230.78	39.16	24.07	3.86	6.17	5.71	6.63	9.33
Price/Cash Flow Low	-6.89	178.24	17.75	13.47	2.48	4.49	4.34	5.87	6.42
Price/Free Cash Flow Average	-7.04	169.01	26.93	15.65	3.2	5.16	3.41	6.22	7.33
Price/Free Cash Flow High	-11.03	251.39	42.98	22.08	3.72	6.06	4.03	6.58	9.01
Price/Free Cash Flow Low	-7.37	194.16	19.48	12.36	2.39	4.42	3.06	5.84	6.2
EV/Sales Average	9.47	3.73	4.02	- -	- -	0.8	1.19	1.25	1.2
EV/Sales High	19.61	6.13	6.98	- -	- -	1.13	1.47	1.36	1.68
EV/Sales Low	10.3	4.46	2.64	- -	- -	0.53	1.03	1.13	0.88
EV/EBITDA Average	-2.92	-112.38	21.54	-30.16	-45.97	26.7	51.12	53.65	54.46
EV/EBITDA High	-6.04	-184.91	37.4	-17.06	-39.46	37.64	63.57	58.53	76.29
EV/EBITDA Low	-3.17	-134.52	14.17	-36.87	-56.24	17.68	44.21	48.51	39.92
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	27
Enterprise Value High	15	20	37	-14	-39	24	35	29	38
Enterprise Value Low	8	15	14	-30	-55	11	24	24	20

Shares Outstanding	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	2	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	11.54
EBITDA per Share	-1.54	-0.07	0.59	0.42	0.5	0.32	0.28	0.26	0.25
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	2.67
Basic EPS from Cont Ops	-1.65	-0.19	0.45	2.28	2.87	3.06	3.61	2.7	2.67
Diluted EPS, GAAP	-1.54	-0.17	0.41	2.28	2.82	3.03	3.58	2.65	2.66
Diluted EPS from Cont Ops	-1.54	-0.17	0.41	2.28	2.82	3.03	3.58	2.65	2.66
Dividend per Share	- -	- -	- -	0.28	0.28	0.29	0.32	0.32	0.35
Cash Flow per Share	-1.29	0.06	0.64	0.79	6.14	3.81	3.95	3.43	3.18
Free Cash Flow per Basic Share	-1.29	0.06	0.64	0.72	5.81	3.7	2.26	3.34	3.05
Cash & Equivalents per Share	4	2.41	2.99	58.88	84.12	54.74	12.53	48.24	12.3
Book Value per Share	5.05	4.93	-1.37	18.1	20.66	23.38	26.48	29.05	30.33
Tangible Book Value per Share	5.04	4.81	5.35	18.03	19.9	18.66	22.46	25.05	27.61

Redwood Capital Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)