Southern Community Bancshares, Inc. Financial Ratios — SCBS

Profitability (USD)

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2019 Y	2020 Y	2021 Y	2022 Y	2024 Y
As of date	09/30/1996	09/30/1997	09/30/1998	09/30/1999	09/30/2000	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2024

Return on Common Equity (%)	- -	12.85	14.53	14.48	18.11	15.81	10.11	11.28	11.15	6.26
Return on Assets (%)	- -	1.18	1.2	0.9	0.94	0.93	0.67	0.84	0.93	0.59
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	-7.6	-9.95	-11.67	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-336.84	43.95	-798.98	-966.32	-525.43	- -	- -	- -	- -	- -
Operating Margin (%)	-355.89	- -	-846.11	-994.84	-542.17	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-628.21	- -	- -	- -	35.52	- -	- -	- -	- -
Pretax Margin (%)	78.4	655.41	716.87	589.58	320.08	24.27	22.1	28.4	29.9	22.35
Profit Margin (%)	51.1	422.43	457.96	352.77	203.73	18.68	17.27	21.82	22.84	17.31
Net Income to Common Margin (%)	51.1	422.43	457.96	352.77	203.73	18.68	17.27	21.82	22.84	17.31
Effective Tax Rate (%)	34.81	35.55	36.12	40.17	36.35	23.05	21.84	23.15	23.62	22.56
Dvd Payout Ratio (%)	- -	16.77	302.2	381.52	55.17	3.28	3.39	2.73	8.69	27.46
Sustainable Growth Rate (%)	- -	10.69	-29.38	-40.76	8.12	15.29	9.77	10.97	10.18	4.54

Credit (USD)

API ChatGPT

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2019 Y	2020 Y	2021 Y	2022 Y	2024 Y
As of date	09/30/1996	09/30/1997	09/30/1998	09/30/1999	09/30/2000	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2024

Total Debt	- -	- -	- -	- -	- -	18	13	10	14	8
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	18	13	10	14	8
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	0.24	-7.03	1.12	0.65	0.52	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	0.23	- -	1.06	0.63	0.5	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.19	9.11	7.3	5.05	5.36	6.18	7.02	7.82	8.8	10.05
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	168.32	112.93	80	104.15	59.81
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	69.65	60.05	50.88	56.71	43.38
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	14.18	10.54	8.1	11.52	7.7
Total Debt/Equity (%)	- -	- -	- -	- -	- -	168.32	112.93	80	104.15	59.81
Total Debt/Capital (%)	- -	- -	- -	- -	- -	69.65	60.05	50.88	56.71	43.38
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	14.18	10.54	8.1	11.52	7.7
Net Debt to Equity	-6.17	-4.01	-14.54	-11.98	-9.2	-100.69	-161	-175.66	-120.31	-85.2
Net Debt/Capital (%)	-6.35	-9.86	-49.48	-48.58	-30.4	-71.42	-594.77	952.71	-189.91	-161.76
EBITDA	-1	- -	-1	-2	-2	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	- -	-1	-2	-2	- -	- -	- -	- -	- -
Operating Income (Loss)	-2	- -	-2	-2	-2	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2019 Y	2020 Y	2021 Y	2022 Y	2024 Y
As of date	09/30/1996	09/30/1997	09/30/1998	09/30/1999	09/30/2000	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.19	9.11	7.3	5.05	5.36	6.18	7.02	7.82	8.8	10.05
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	168.32	112.93	80	104.15	59.81
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	69.65	60.05	50.88	56.71	43.38
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	14.18	10.54	8.1	11.52	7.7
Total Debt/Equity (%)	- -	- -	- -	- -	- -	168.32	112.93	80	104.15	59.81
Total Debt/Capital (%)	- -	- -	- -	- -	- -	69.65	60.05	50.88	56.71	43.38
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	14.18	10.54	8.1	11.52	7.7
CFO/Total Liabilities	0.36	1.19	1.93	0.34	2.49	1.1	0.91	0.93	1.23	2.89
CFO/CapEx	- -	- -	- -	- -	- -	3.96	5.14	9.91	11.48	195.79
Altman's Z-Score	0.06	0.22	0.1	0.04	0.03	0.12	0.16	0.18	0.21	0.18

Working Capital (USD)

API ChatGPT

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2019 Y	2020 Y	2021 Y	2022 Y	2024 Y
As of date	09/30/1996	09/30/1997	09/30/1998	09/30/1999	09/30/2000	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2024

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2019 Y	2020 Y	2021 Y	2022 Y	2024 Y
As of date	09/30/1996	09/30/1997	09/30/1998	09/30/1999	09/30/2000	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2024

Market Capitalization	- -	8	6	5	3	- -	5	6	8	- -
- Cash & Cash Equivalents	- -	1	2	1	1	11	19	22	16	11
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	18	13	10	14	8
Enterprise Value	- -	8	5	4	3	7	-1	-6	6	-3
Total Capital	6	6	5	3	3	26	22	20	25	18
Total Debt/Capital (%)	- -	- -	- -	- -	- -	69.65	60.05	50.88	56.71	43.38
Total Debt / EV	- -	- -	- -	- -	- -	2.49	-15.23	-1.74	2.42	-2.36
EV/Sales	- -	41.33	26.62	23.32	8.83	1.51	- -	- -	1.17	- -
EV/EBITDA	- -	94.03	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	11.55	4.45	21.02	1.88	5.66	- -	- -	4.34	- -
EV/Free Cash Flow to Firm	- -	11.55	4.45	21.02	1.88	4.52	- -	- -	4	- -
Diluted Market Cap	- -	8	7	5	4	- -	5	6	8	- -
Diluted Enterprise Value	- -	8	5	4	3	7	-1	-6	6	-3
EV per Share	- -	6.46	5.26	4.65	3.6	- -	- -	- -	11.88	- -
TTM Sales	- -	- -	- -	- -	- -	5	5	5	5	4
TTM EBITDA	-1	- -	-1	-2	-2	- -	- -	- -	- -	- -
TTM Operating Income	-2	- -	-2	-2	-2	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	1	1	- -	1	1	1	1	1	3
TTM Free Cash Flow to Firm	- -	1	1	- -	1	2	1	1	1	3

Multiples (USD)

API ChatGPT

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2019 Y	2020 Y	2021 Y	2022 Y	2024 Y
As of date	09/30/1996	09/30/1997	09/30/1998	09/30/1999	09/30/2000	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2024

Price/Free Cash Flow	- -	12.42	6.2	27.95	2.61	- -	3.83	5.43	5.5	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	8	5	4	3	7	-1	-6	6	-3
Low Price	- -	12.25	14	9.75	8	8.05	8.25	9.08	13.51	14.2
EV/Sales	- -	41.33	26.62	23.32	8.83	1.51	- -	- -	1.17	- -
EV/EBITDA	- -	94.03	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	10.52	7.77	8.39	5.67	- -	5.61	6	7.02	- -
Price/Earnings Average	- -	8.73	8.6	8.97	6.75	- -	4.98	5.74	6.31	- -
Price/Earnings High	- -	25.38	24.29	24.53	15.18	- -	5.96	9.4	7.3	- -
Price/Earnings Low	- -	18.56	15.46	13.86	9.62	- -	4.82	4.27	5.8	- -
Price/Book Value	- -	1.29	1.31	1.54	0.99	- -	0.54	0.64	0.74	- -
Price/Book Value Average	- -	1.07	1.45	1.65	1.17	- -	0.48	0.61	0.67	- -
Price/Book Value High	- -	3.11	4.1	4.51	2.64	- -	0.57	1	0.77	- -
Price/Book Value Low	- -	2.28	2.61	2.55	1.67	- -	0.46	0.46	0.62	- -
Price/Tangible Book Value	- -	0.58	0.58	0.56	0.39	- -	0.41	0.5	0.59	- -
Price/Tangible Book Value Average	- -	0.48	0.64	0.6	0.46	- -	0.36	0.47	0.53	- -
Price/Tangible Book Value High	- -	1.39	1.8	1.65	1.04	- -	0.43	0.78	0.62	- -
Price/Tangible Book Value Low	- -	1.02	1.15	0.93	0.66	- -	0.35	0.35	0.49	- -
Price/Sales	- -	44.42	35.6	29.59	11.56	- -	0.97	1.31	1.6	- -
Price/Sales Average	- -	36.87	39.39	31.63	13.76	- -	0.86	1.25	1.44	- -
Price/Sales High	- -	107.21	111.24	86.52	30.93	- -	1.03	2.05	1.67	- -
Price/Sales Low	- -	78.41	70.79	48.9	19.59	- -	0.83	0.93	1.33	- -
Price/Cash Flow	- -	12.42	5.96	26.68	2.46	- -	4.58	5.97	5.98	- -
Price/Cash Flow Average	- -	10.3	6.59	28.51	2.93	- -	4.06	5.71	5.37	- -
Price/Cash Flow High	- -	29.97	18.62	77.99	6.59	- -	4.86	9.35	6.22	- -
Price/Cash Flow Low	- -	21.92	11.85	44.08	4.17	- -	3.93	4.24	4.94	- -
Price/Free Cash Flow Average	- -	10.3	6.86	29.88	3.11	- -	3.4	5.19	4.94	- -
Price/Free Cash Flow High	- -	29.97	19.37	81.73	6.99	- -	4.07	8.49	5.72	- -
Price/Free Cash Flow Low	- -	21.92	12.33	46.19	4.43	- -	3.29	3.86	4.54	- -
EV/Sales Average	- -	33.77	30.41	25.35	11.03	1.51	- -	- -	1	- -
EV/Sales High	- -	104.12	102.26	80.24	28.2	1.51	- -	- -	1.23	- -
EV/Sales Low	- -	75.31	61.81	42.63	16.86	1.51	- -	- -	0.89	- -
EV/EBITDA Average	0.24	76.84	-3.81	-2.62	-2.1	- -	- -	- -	- -	- -
EV/EBITDA High	0.24	236.88	-12.8	-8.3	-5.37	- -	- -	- -	- -	- -
EV/EBITDA Low	0.24	171.35	-7.74	-4.41	-3.21	- -	- -	- -	- -	- -
EV/EBIT Average	0.23	- -	-3.59	-2.55	-2.03	- -	- -	- -	- -	- -
EV/EBIT High	0.23	- -	-12.09	-8.07	-5.2	- -	- -	- -	- -	- -
EV/EBIT Low	0.23	- -	-7.31	-4.28	-3.11	- -	- -	- -	- -	- -
Last Price	- -	6.94	7.04	5.9	4.72	9.37	9.61	12.78	16.34	19.5
High Price	- -	16.75	22	17.25	12.63	10	10.2	20	17	19.5
Enterprise Value Average	- -	6	5	4	3	7	-1	-6	5	-3
Enterprise Value High	- -	20	18	13	8	7	-1	-2	6	-3
Enterprise Value Low	- -	14	11	7	5	7	-2	-8	4	-3

Shares Outstanding	1	1	1	1	1	- -	- -	- -	- -	- -
Diluted Weighted Avg Shares	1	1	1	1	1	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	1	1	1	1	1	- -	- -	- -	- -	- -
Revenue per Share	0.38	0.16	0.2	0.2	0.41	- -	9.92	9.75	10.19	- -
EBITDA per Share	-1.28	0.07	-1.58	-1.93	-2.15	- -	- -	- -	- -	- -
Operating Income per Share	-1.35	- -	-1.67	-1.98	-2.21	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.19	0.66	0.91	0.7	0.83	- -	1.71	2.13	2.33	- -
Basic EPS from Cont Ops	0.19	0.66	0.91	0.7	0.83	- -	1.71	2.13	2.33	- -
Diluted EPS, GAAP	0.19	0.66	0.87	0.67	0.78	- -	1.71	2.13	2.33	- -
Diluted EPS from Cont Ops	0.19	0.66	0.87	0.67	0.78	- -	1.71	2.13	2.33	- -
Dividend per Share	- -	0.11	2.74	2.68	0.46	- -	0.06	0.06	0.2	- -
Cash Flow per Share	0.18	0.56	1.18	0.22	1.92	- -	2.1	2.14	2.73	- -
Free Cash Flow per Basic Share	0.18	0.56	1.18	0.22	1.92	- -	1.69	1.92	2.5	- -
Cash & Equivalents per Share	0.31	0.48	1.78	1.25	1.12	- -	38.06	45.29	33.21	- -
Book Value per Share	5.16	5.38	5.36	3.83	4.78	- -	17.76	19.91	21.95	- -
Tangible Book Value per Share	5	12.06	12.21	10.45	12.12	- -	23.64	25.78	27.6	- -

Southern Community Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)