Summit Bank Group, Inc. Financial Ratios — SBKO Stock

Profitability (USD)

	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	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 (%)	- -	- -	14.79	15.34	12.86	14.43	15.8	16.6	9.53	10.84	12.2
Return on Assets (%)	- -	0.53	1.54	1.53	1.22	1.25	1.31	1.45	0.87	0.97	1.13
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	3.73	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	18.19	24.09	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	14.94	20.53	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	37.49	-5.1	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	14.94	20.53	34.83	36.68	29.44	35.84	41.56	42.06	26.68	29.43	33.99
Profit Margin (%)	24.92	12.94	19.31	27.28	22.04	26.66	30.95	31.61	19.48	22.15	25.09
Net Income to Common Margin (%)	24.92	12.94	19.31	27.28	22.04	26.66	30.95	31.61	19.48	22.15	25.09
Effective Tax Rate (%)	- -	36.99	44.55	25.63	25.15	25.61	25.53	24.83	27	24.74	26.17
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	14.79	15.34	12.86	14.43	15.8	16.6	9.53	10.84	12.2

Credit (USD)

API ChatGPT

	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	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	2	2	- -	- -	- -	- -	20	20	20	18	19
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	2	2	- -	- -	- -	- -	20	20	20	18	19
Total Debt/EBITDA	4.89	2.65	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-3.17	-6.96	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	5.95	3.11	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-3.87	-8.17	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-0.57	10.99	10.29	9.75	9.23	8.29	8.26	9.16	9.12	8.79	9.79
Long-Term Debt/Equity (%)	24.66	21.93	- -	- -	- -	- -	26.4	23.2	20.57	17	14.86
Long-Term Debt/Capital (%)	123.91	17.97	- -	- -	- -	- -	20.82	18.11	16.66	14.35	12.89
Long-Term Debt/Total Assets (%)	2.95	2.41	- -	- -	- -	- -	2.17	2.03	1.82	1.47	1.45
Total Debt/Equity (%)	24.66	21.93	- -	- -	- -	- -	26.4	23.2	20.57	17	14.86
Total Debt/Capital (%)	123.91	17.97	- -	- -	- -	- -	20.82	18.11	16.66	14.35	12.89
Total Debt/Total Assets (%)	2.95	2.41	- -	- -	- -	- -	2.17	2.03	1.82	1.47	1.45
Net Debt to Equity	-16.02	-57.61	-118.62	-139.33	-106.06	-258.72	-265.46	-165.82	-77.78	-123.18	-98.42
Net Debt/Capital (%)	77.1	-135.57	637.74	354.77	1,748.23	162.98	191.47	439.99	-170.38	2,603.05	-582.17
EBITDA	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	1	- -	-1	-1	- -	-1	-1	-4	-2	- -
Operating Income (Loss)	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	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	-0.57	10.99	10.29	9.75	9.23	8.29	8.26	9.16	9.12	8.79	9.79
Long-Term Debt/Equity (%)	24.66	21.93	- -	- -	- -	- -	26.4	23.2	20.57	17	14.86
Long-Term Debt/Capital (%)	123.91	17.97	- -	- -	- -	- -	20.82	18.11	16.66	14.35	12.89
Long-Term Debt/Total Assets (%)	2.95	2.41	- -	- -	- -	- -	2.17	2.03	1.82	1.47	1.45
Total Debt/Equity (%)	24.66	21.93	- -	- -	- -	- -	26.4	23.2	20.57	17	14.86
Total Debt/Capital (%)	123.91	17.97	- -	- -	- -	- -	20.82	18.11	16.66	14.35	12.89
Total Debt/Total Assets (%)	2.95	2.41	- -	- -	- -	- -	2.17	2.03	1.82	1.47	1.45
CFO/Total Liabilities	1.23	1.35	2.05	2.11	1.52	2.34	1.36	1.76	2.25	1.92	2.36
CFO/CapEx	- -	11	25.07	6.22	7.44	87.24	11.47	13.62	5.65	9.75	- -
Altman's Z-Score	0.04	0.18	0.24	0.24	0.22	0.16	0.19	0.2	0.18	0.19	0.15

Working Capital (USD)

API ChatGPT

	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	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	- -	19.69	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	18.54	- -	- -	- -	- -	- -	- -	- -	- -	- -
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

	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	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	- -	16	63	77	76	67	111	106	87	114	- -
- Cash & Cash Equivalents	4	8	41	57	50	163	197	140	74	134	123
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	2	2	- -	- -	- -	- -	20	20	20	18	19
Enterprise Value	-1	10	22	21	27	-96	-66	-14	33	-1	-104
Total Capital	2	12	35	41	47	63	94	108	118	129	144
Total Debt/Capital (%)	123.91	17.97	- -	- -	- -	- -	20.82	18.11	16.66	14.35	12.89
Total Debt / EV	-1.54	0.22	- -	- -	- -	- -	-0.3	-1.36	0.6	-13.71	-0.18
EV/Sales	- -	2.94	1.29	0.99	1.05	- -	- -	- -	0.71	- -	- -
EV/EBITDA	- -	12.19	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	14.3	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	9.23	3.54	2.62	3.81	- -	- -	- -	1.48	- -	- -
EV/Free Cash Flow to Firm	- -	8.47	3.4	2.26	3.36	- -	- -	- -	1.26	- -	- -
Diluted Market Cap	- -	16	63	78	77	68	113	107	88	115	- -
Diluted Enterprise Value	-1	10	23	22	27	-96	-65	-13	34	- -	-104
EV per Share	- -	2.16	3.57	3.24	4.12	- -	- -	- -	4.26	- -	- -
TTM Sales	3	3	17	21	26	30	35	43	46	51	57
TTM EBITDA	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	6	8	7	16	11	16	22	22	27
TTM Free Cash Flow to Firm	1	1	6	9	8	16	12	17	26	24	27

Multiples (USD)

API ChatGPT

	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2007	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	- -	13.71	9.87	8.52	9.72	4.1	9.16	6.42	3.4	4.74	- -
EV/EBIT	- -	14.3	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-1	10	22	21	27	-96	-66	-14	33	-1	-104
Low Price	- -	3.31	6.89	9.86	11.2	8.01	9.36	12.5	11	10.11	13.32
EV/Sales	- -	2.94	1.29	0.99	1.05	- -	- -	- -	0.71	- -	- -
EV/EBITDA	- -	12.19	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	35.65	19.14	13.42	13.59	8.48	10.25	7.84	9.8	10.09	- -
Price/Earnings Average	- -	39.28	18.02	13.66	14.08	8.36	9.48	8.09	10.61	8.3	- -
Price/Earnings High	- -	45.82	20.91	17.84	15.01	10.85	10.89	8.49	12.77	11.86	- -
Price/Earnings Low	- -	34.71	12.86	10.99	12.9	7.19	6.5	7.03	9.46	6.89	- -
Price/Book Value	- -	1.58	1.82	1.91	1.63	1.07	1.49	1.2	0.89	1.03	- -
Price/Book Value Average	- -	1.74	1.71	1.94	1.69	1.05	1.38	1.24	0.96	0.85	- -
Price/Book Value High	- -	2.03	1.99	2.53	1.8	1.36	1.59	1.3	1.16	1.22	- -
Price/Book Value Low	- -	1.54	1.22	1.56	1.55	0.9	0.95	1.07	0.86	0.71	- -
Price/Tangible Book Value	- -	1.58	1.82	1.91	1.63	1.07	1.5	1.26	0.91	1.05	- -
Price/Tangible Book Value Average	- -	1.75	1.71	1.94	1.69	1.05	1.39	1.3	0.99	0.86	- -
Price/Tangible Book Value High	- -	2.04	1.99	2.53	1.8	1.36	1.6	1.36	1.19	1.23	- -
Price/Tangible Book Value Low	- -	1.54	1.22	1.56	1.55	0.9	0.95	1.13	0.88	0.72	- -
Price/Sales	- -	4.61	3.7	3.66	2.99	2.26	3.17	2.48	1.91	2.24	- -
Price/Sales Average	- -	5.08	3.48	3.73	3.1	2.23	2.93	2.56	2.07	1.84	- -
Price/Sales High	- -	5.93	4.04	4.86	3.31	2.89	3.37	2.68	2.49	2.63	- -
Price/Sales Low	- -	4.49	2.48	3	2.84	1.92	2.01	2.22	1.84	1.53	- -
Price/Cash Flow	- -	14.51	10.16	9.74	10.91	4.12	9.86	6.81	3.96	5.17	- -
Price/Cash Flow Average	- -	15.99	9.57	9.91	11.31	4.07	9.12	7.04	4.28	4.25	- -
Price/Cash Flow High	- -	18.65	11.1	12.95	12.06	5.28	10.48	7.38	5.16	6.08	- -
Price/Cash Flow Low	- -	14.13	6.83	7.98	10.36	3.5	6.26	6.11	3.82	3.53	- -
Price/Free Cash Flow Average	- -	15.1	9.3	8.67	10.08	4.05	8.48	6.62	3.68	3.9	- -
Price/Free Cash Flow High	- -	17.62	10.79	11.32	10.74	5.25	9.74	6.95	4.43	5.57	- -
Price/Free Cash Flow Low	- -	13.34	6.64	6.98	9.23	3.48	5.81	5.75	3.28	3.24	- -
EV/Sales Average	- -	3.4	1.07	1.05	1.16	- -	- -	- -	0.87	- -	- -
EV/Sales High	- -	4.25	1.63	2.19	1.36	- -	- -	- -	1.29	0.36	- -
EV/Sales Low	- -	2.81	0.07	0.32	0.89	- -	- -	- -	0.65	- -	- -
EV/EBITDA Average	-3.17	14.14	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-3.17	17.65	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-3.17	11.68	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-3.87	16.58	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-3.87	20.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-3.87	13.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	3.4	10.25	12.04	11.8	9.44	14.75	13.94	11.4	14.8	17.99
High Price	- -	4.37	11.2	16	13.04	12.08	15.68	15.1	14.85	17.39	17.99
Enterprise Value Average	-1	12	18	22	29	-97	-74	-11	40	-22	-104
Enterprise Value High	-1	14	28	46	35	-77	-59	-6	59	19	-104
Enterprise Value Low	-1	10	1	7	23	-106	-107	-25	30	-38	-104

Shares Outstanding	4	5	- -	6	6	8	8	8	8	8	8
Diluted Weighted Avg Shares	5	5	6	7	7	7	8	8	8	8	- -
Basic Weighted Avg Shares	5	5	6	6	6	7	8	8	8	8	- -
Revenue per Share	0.56	0.74	2.77	3.29	3.94	4.18	4.65	5.62	5.97	6.62	- -
EBITDA per Share	0.1	0.18	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.08	0.15	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.14	0.1	0.54	0.9	0.87	1.11	1.44	1.78	1.16	1.47	- -
Basic EPS from Cont Ops	0.14	0.1	0.54	0.9	0.87	1.11	1.44	1.78	1.16	1.47	- -
Diluted EPS, GAAP	0.14	0.09	0.53	0.88	0.86	1.11	1.42	1.76	1.15	1.45	- -
Diluted EPS from Cont Ops	0.14	0.09	0.53	0.88	0.86	1.11	1.42	1.76	1.15	1.45	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.18	0.23	1.01	1.24	1.08	2.29	1.5	2.05	2.88	2.86	- -
Free Cash Flow per Basic Share	0.18	0.21	0.97	1.04	0.94	2.26	1.37	1.9	2.37	2.57	- -
Cash & Equivalents per Share	0.82	1.71	6.68	8.8	7.68	22.93	26.08	18.41	9.7	17.37	- -
Book Value per Share	-0.1	2.15	5.64	6.32	7.24	8.86	9.87	11.65	12.83	14.31	- -
Tangible Book Value per Share	2.02	2.15	5.63	6.32	7.24	8.86	9.83	11.1	12.47	14.1	- -

Summit Bank Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)