South Atlantic Bancshares, Inc. Financial Ratios — SABK

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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 (%)	- -	- -	76.24	58.75	50.73	50.86	40.78	44.02	35.25	36.8	29.51	19.39	16.5	22.06
Return on Assets (%)	- -	0.55	0.59	0.59	0.62	0.67	0.6	0.9	0.86	1	0.92	0.66	0.59	0.87
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	5.71	5.98	5.25	5.05	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	20.06	21.78	22.29	24.68	24.04	3.55	4.28	4.04	3.33	3.24	2.32	4.88	2.4	2.2
Operating Margin (%)	15.37	17.47	18.01	19.9	19.9	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	41.45	22.22	32.19	19.87	-103.65	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	15.37	17.47	18.01	19.9	19.9	16.68	16.01	23.7	23.22	29.76	30.43	26.88	25.85	32.81
Profit Margin (%)	23.26	13.73	14.81	14.36	14.4	14.92	12.67	19.15	18.93	23.77	24.39	21.12	20.02	26.12
Net Income to Common Margin (%)	23.26	13.73	14.81	14.36	14.4	14.92	12.67	19.15	18.93	23.77	24.39	21.12	20.02	26.12
Effective Tax Rate (%)	- -	21.38	17.76	27.86	27.64	10.55	20.87	19.18	18.48	20.13	19.82	21.42	22.55	20.4
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.52	7.53	4.63
Sustainable Growth Rate (%)	- -	- -	76.24	58.75	50.73	50.86	40.78	44.02	35.25	36.8	29.51	17.93	15.26	21.04

Credit (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	8	3	15	15	30	10	8	8	38	93	213	199	218
ST Debt	- -	- -	1	- -	- -	15	5	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	8	1	15	15	15	5	8	8	38	93	213	199	218
Total Debt/EBITDA	- -	3.12	0.84	3.89	3.45	39.17	8.56	6.4	6.22	25.52	81.01	92.27	165.19	159.93
Net Debt/EBITDA	-0.65	2.68	- -	1.87	1.8	30.81	1.35	-7.55	-19.6	-29.96	63.91	81.53	107.35	103.92
Total Debt/EBIT	- -	3.89	1.04	4.83	4.17	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-0.85	3.34	- -	2.32	2.17	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-0.07	0.46	1.05	0.96	1.45	1.2	1.71	2.34	2.54	2.84	3.34	3.47	3.67	4.22
Long-Term Debt/Equity (%)	- -	33.72	3.94	42.08	40.06	24.94	6.3	9.27	8.05	35.8	102.99	207.34	174.97	162.17
Long-Term Debt/Capital (%)	- -	84.8	20.05	79.66	69.98	41.43	24.1	32.77	24.69	51.96	66.47	79.12	75.22	72.93
Long-Term Debt/Total Assets (%)	- -	2.56	0.35	3.75	3.37	2.89	0.79	1.14	0.83	3.07	6.62	13.16	11.14	11.37
Total Debt/Equity (%)	- -	33.72	7.88	42.08	40.06	49.88	12.6	9.27	8.05	35.8	102.99	207.34	174.97	162.17
Total Debt/Capital (%)	- -	84.8	40.09	79.66	69.98	82.85	48.2	32.77	24.69	51.96	66.47	79.12	75.22	72.93
Total Debt/Total Assets (%)	- -	2.56	0.7	3.75	3.37	5.79	1.59	1.14	0.83	3.07	6.62	13.16	11.14	11.37
Net Debt to Equity	-5.66	28.91	-0.04	20.24	20.9	39.24	1.99	-10.93	-25.38	-42.03	81.26	183.2	113.7	105.38
Net Debt/Capital (%)	87.96	82.71	-0.3	65.32	54.87	79.17	12.82	-62.95	-351.28	2,709.01	57.54	74.44	63.41	61.38
EBITDA	2	3	3	4	4	1	1	1	1	1	1	2	1	1
EBITDA-CapEx	2	1	- -	3	4	- -	1	-4	- -	1	- -	-2	-5	-2
Operating Income (Loss)	2	2	2	3	4	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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	-0.07	0.46	1.05	0.96	1.45	1.2	1.71	2.34	2.54	2.84	3.34	3.47	3.67	4.22
Long-Term Debt/Equity (%)	- -	33.72	3.94	42.08	40.06	24.94	6.3	9.27	8.05	35.8	102.99	207.34	174.97	162.17
Long-Term Debt/Capital (%)	- -	84.8	20.05	79.66	69.98	41.43	24.1	32.77	24.69	51.96	66.47	79.12	75.22	72.93
Long-Term Debt/Total Assets (%)	- -	2.56	0.35	3.75	3.37	2.89	0.79	1.14	0.83	3.07	6.62	13.16	11.14	11.37
Total Debt/Equity (%)	- -	33.72	7.88	42.08	40.06	49.88	12.6	9.27	8.05	35.8	102.99	207.34	174.97	162.17
Total Debt/Capital (%)	- -	84.8	40.09	79.66	69.98	82.85	48.2	32.77	24.69	51.96	66.47	79.12	75.22	72.93
Total Debt/Total Assets (%)	- -	2.56	0.7	3.75	3.37	5.79	1.59	1.14	0.83	3.07	6.62	13.16	11.14	11.37
CFO/Total Liabilities	1.63	1.31	1.9	0.52	1.09	1.03	1.2	0.27	-2.68	3.32	1.96	0.67	0.84	0.66
CFO/CapEx	16.07	2.41	2.33	4.35	12.17	4.45	13.46	0.32	-24.96	51.82	20.5	2.34	2.09	3.93
Altman's Z-Score	0.04	0.05	0.06	0.13	0.17	0.17	0.14	0.15	0.13	0.13	0.12	0.11	0.12	0.14

Working Capital (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	10.03	9.61	11.64	13.88	15.31	16.42	16.19	15.35	14.05	11.6	8.45	7.71	8.75
Days Sales Outstanding	- -	36.4	37.98	31.37	26.29	23.84	22.23	22.54	23.79	25.99	31.46	43.2	47.36	41.74
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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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	41	61	95	79	94	92	116	103	96	121	149
- Cash & Cash Equivalents	1	1	3	8	7	6	8	10	25	74	12	16	61	68
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	8	3	15	15	30	10	8	8	38	93	213	199	218
Enterprise Value	-61	-66	-52	-3	26	83	31	16	-51	-245	-39	74	60	190
Total Capital	- -	10	6	19	21	36	21	25	32	73	140	270	265	299
Total Debt/Capital (%)	- -	84.8	40.09	79.66	69.98	82.85	48.2	32.77	24.69	51.96	66.47	79.12	75.22	72.93
Total Debt / EV	- -	-0.12	-0.05	-4.82	0.57	0.36	0.32	0.51	-0.16	-0.15	-2.39	2.89	3.34	1.15
EV/Sales	- -	- -	- -	- -	1.46	3.84	1.15	0.51	- -	- -	- -	1.56	1.19	3.07
EV/EBITDA	- -	- -	- -	- -	6.09	108.01	26.95	12.58	- -	- -	- -	31.96	49.41	139.17
EV/EBIT	- -	- -	- -	- -	7.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	5.97	17.56	4.76	9.5	- -	- -	- -	7.32	4.25	16.21
EV/Free Cash Flow to Firm	- -	- -	- -	- -	5.51	14.34	4.43	2.28	- -	- -	- -	5.13	2.88	12.92
Diluted Market Cap	- -	- -	- -	43	63	98	81	95	92	117	104	97	122	152
Diluted Enterprise Value	-1	7	- -	50	71	122	82	94	75	81	185	294	261	302
EV per Share	- -	- -	- -	- -	6.29	14.24	4.39	2.16	- -	- -	- -	9.8	7.85	25.15
TTM Sales	11	12	14	16	18	22	27	32	38	46	50	47	50	62
TTM EBITDA	2	3	3	4	4	1	1	1	1	1	1	2	1	1
TTM Operating Income	2	2	2	3	4	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	4	6	2	4	5	7	2	-23	37	26	10	14	12
TTM Free Cash Flow to Firm	5	5	9	2	5	6	7	7	-22	38	27	14	21	15

Multiples (USD)

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	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	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	- -	- -	- -	18.38	13.21	17.06	11.33	13.47	-4.22	3.08	3.85	6.72	5.9	10.33
EV/EBIT	- -	- -	- -	- -	7.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-61	-66	-52	-3	26	83	31	16	-51	-245	-39	74	60	190
Low Price	- -	- -	- -	10.45	9.05	11.82	11	10.66	7.25	11.27	11.8	9.69	10.45	14
EV/Sales	- -	- -	- -	- -	1.46	3.84	1.15	0.51	- -	- -	- -	1.56	1.19	3.07
EV/EBITDA	- -	- -	- -	- -	6.09	108.01	26.95	12.58	- -	- -	- -	31.96	49.41	139.17
Price/Earnings	- -	- -	- -	18.52	23.54	29.54	22.89	15.49	12.73	10.67	8.51	9.61	12.03	9.22
Price/Earnings Average	- -	- -	- -	18.13	17.19	26.55	30.22	15.17	10.06	9.53	9.41	8.75	9.89	7.75
Price/Earnings High	- -	- -	- -	18.52	23.54	30.44	34.14	15.86	13.2	10.71	10.33	10.91	15.17	10.24
Price/Earnings Low	- -	- -	- -	17.74	14.64	21.35	22.83	13.11	7.53	7.79	7.39	7.3	7.89	6.54
Price/Book Value	- -	- -	- -	10.84	9.53	15.3	7.36	5.59	3.81	3.31	2.19	1.71	1.84	1.84
Price/Book Value Average	- -	- -	- -	10.61	6.96	13.75	9.72	5.47	3.02	2.96	2.42	1.56	1.52	1.55
Price/Book Value High	- -	- -	- -	10.84	9.53	15.76	10.98	5.72	3.95	3.32	2.65	1.94	2.33	2.04
Price/Book Value Low	- -	- -	- -	10.38	5.92	11.06	7.34	4.73	2.26	2.42	1.9	1.3	1.21	1.31
Price/Tangible Book Value	- -	- -	- -	1.16	1.64	1.58	1.09	1.15	1	1.16	1.21	0.99	1.12	1.15
Price/Tangible Book Value Average	- -	- -	- -	1.14	1.2	1.42	1.44	1.12	0.79	1.04	1.34	0.9	0.92	0.97
Price/Tangible Book Value High	- -	- -	- -	1.16	1.64	1.63	1.63	1.17	1.04	1.17	1.47	1.12	1.41	1.28
Price/Tangible Book Value Low	- -	- -	- -	1.12	1.02	1.14	1.09	0.97	0.59	0.85	1.05	0.75	0.73	0.82
Price/Sales	- -	- -	- -	2.66	3.39	4.41	2.9	2.97	2.41	2.54	2.08	2.03	2.41	2.41
Price/Sales Average	- -	- -	- -	2.6	2.47	3.96	3.83	2.9	1.91	2.27	2.3	1.85	1.98	2.02
Price/Sales High	- -	- -	- -	2.66	3.39	4.54	4.33	3.04	2.5	2.55	2.52	2.3	3.04	2.68
Price/Sales Low	- -	- -	- -	2.55	2.11	3.19	2.89	2.51	1.43	1.85	1.8	1.54	1.58	1.71
Price/Cash Flow	- -	- -	- -	21.8	13.81	20.16	11.95	55.39	-4.03	3.09	3.98	9.52	8.64	12.73
Price/Cash Flow Average	- -	- -	- -	21.34	10.08	18.12	15.78	54.23	-3.18	2.77	4.4	8.67	7.1	10.69
Price/Cash Flow High	- -	- -	- -	21.8	13.81	20.78	17.83	56.71	-4.18	3.11	4.83	10.81	10.89	14.13
Price/Cash Flow Low	- -	- -	- -	20.88	8.59	14.58	11.92	46.86	-2.38	2.26	3.45	7.24	5.66	9.02
Price/Free Cash Flow Average	- -	- -	- -	17.99	9.64	15.33	14.96	13.19	-3.34	2.75	4.25	6.12	4.85	8.68
Price/Free Cash Flow High	- -	- -	- -	18.38	13.21	17.58	16.9	13.8	-4.38	3.09	4.67	7.64	7.44	11.47
Price/Free Cash Flow Low	- -	- -	- -	17.6	8.21	12.33	11.3	11.4	-2.5	2.25	3.34	5.11	3.87	7.32
EV/Sales Average	- -	0.58	- -	3.06	2.91	5.06	3.89	2.86	1.46	1.46	3.93	6	4.74	4.45
EV/Sales High	- -	0.58	- -	3.12	3.82	5.64	4.38	2.99	2.05	1.74	4.15	6.46	5.79	5.1
EV/Sales Low	- -	0.58	- -	3.01	2.54	4.28	2.95	2.46	0.98	1.05	3.43	5.7	4.34	4.13
EV/EBITDA Average	-0.65	2.68	- -	12.42	12.09	142.29	90.78	70.72	43.8	45.15	169.07	123.06	197.42	201.72
EV/EBITDA High	-0.65	2.68	- -	12.64	15.9	158.62	102.38	74.01	61.62	53.76	178.7	132.43	241.44	231.3
EV/EBITDA Low	-0.65	2.68	- -	12.19	10.57	120.47	68.91	60.96	29.43	32.34	147.8	116.8	180.67	187.42
EV/EBIT Average	-0.85	3.34	- -	15.4	14.61	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-0.85	3.34	- -	15.68	19.21	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-0.85	3.34	- -	15.12	12.77	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	10.91	14.55	16.35	11.03	12.6	12.25	15.44	13.6	12.75	15.94	19.75
High Price	- -	- -	- -	10.91	14.55	16.85	16.45	12.9	12.7	15.5	16.5	14.48	20.1	21.93
Enterprise Value Average	-1	7	- -	48	53	109	106	91	55	67	195	285	238	275
Enterprise Value High	-1	7	- -	49	69	121	120	95	78	80	206	306	291	316
Enterprise Value Low	-1	7	- -	47	46	92	81	78	37	48	170	270	218	256

Shares Outstanding	4	4	4	4	4	6	8	8	7	8	8	8	8	8
Diluted Weighted Avg Shares	4	4	4	4	4	6	7	8	8	8	8	8	8	8
Basic Weighted Avg Shares	4	4	4	4	4	6	7	7	7	7	8	8	8	8
Revenue per Share	2.61	2.84	3.21	4.1	4.29	3.71	3.8	4.25	5.08	6.09	6.55	6.28	6.62	8.2
EBITDA per Share	0.52	0.62	0.72	1.01	1.03	0.13	0.16	0.17	0.17	0.2	0.15	0.31	0.16	0.18
Operating Income per Share	0.4	0.5	0.58	0.82	0.85	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.61	0.39	0.48	0.59	0.62	0.55	0.48	0.81	0.96	1.45	1.6	1.33	1.33	2.14
Basic EPS from Cont Ops	0.61	0.39	0.48	0.59	0.62	0.55	0.48	0.81	0.96	1.45	1.6	1.33	1.33	2.14
Diluted EPS, GAAP	0.61	0.39	0.48	0.57	0.6	0.53	0.47	0.8	0.96	1.43	1.58	1.32	1.31	2.1
Diluted EPS from Cont Ops	0.61	0.39	0.48	0.57	0.6	0.53	0.47	0.8	0.96	1.43	1.58	1.32	1.31	2.1
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.1	0.1	0.1
Cash Flow per Share	1.01	0.91	1.5	0.5	1.05	0.81	0.92	0.23	-3.04	4.99	3.42	1.34	1.85	1.55
Free Cash Flow per Basic Share	0.94	0.53	0.85	0.39	0.97	0.63	0.85	-0.49	-3.16	4.89	3.25	0.77	0.96	1.16
Cash & Equivalents per Share	14.37	17.61	13.03	15.67	11.82	7.27	8.04	11.54	20.07	53.19	31.07	31.23	34.33	23.5
Book Value per Share	-0.05	0.35	0.9	1.01	1.53	1.07	1.5	2.25	3.21	4.66	6.22	7.46	8.64	10.73
Tangible Book Value per Share	6.02	5.73	7.65	9.37	8.89	10.35	10.12	10.99	12.25	13.28	11.2	12.89	14.26	17.1

South Atlantic Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)