Santa Cruz County Bank Financial Ratios — SCZC Stock

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	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

Return on Common Equity (%)	- -	-3.14	12.94	10.56	20.15	12.48	13.48	14.07	14.16	22.16	12.58	11.96	12.4	15.39	15.49
Return on Assets (%)	- -	-0.58	1.89	0.67	1.19	1.02	1.12	1.18	1.11	1.76	1.42	1.41	1.36	1.8	1.99
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	5.26	12.63	12.24	13.14	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-106.91	-2.3	19.94	18.84	30.17	36.44	40.57	0.82	1.13	1.22	1.94	2.72	2.37	1.88	2
Operating Margin (%)	-119.03	-9.89	19.94	18.84	28.01	34.79	39.38	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	58.52	13.94	37.33	82.83	86.23	-302.53	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-119.03	-9.89	19.94	18.84	28.01	34.79	39.38	41.94	46.59	48.82	45.11	46.39	45.34	58.54	57.65
Profit Margin (%)	-119.09	-9.91	29.19	10.79	18.38	21.25	24.07	25.44	23.43	35.02	31.78	32.99	32.08	41.39	40.71
Net Income to Common Margin (%)	-119.09	-9.91	29.19	10.79	18.38	21.25	24.07	25.44	23.43	35.02	31.78	32.99	32.08	41.39	40.71
Effective Tax Rate (%)	- -	- -	- -	42.76	34.4	38.9	38.88	39.35	49.71	28.28	29.57	28.88	29.24	29.29	29.38
Dvd Payout Ratio (%)	- -	- -	- -	- -	8.93	9.74	7.91	6.72	6.67	5.89	6.84	6.58	8.88	13.05	10.99
Sustainable Growth Rate (%)	- -	-3.14	12.94	10.56	18.35	11.27	12.41	13.13	13.22	20.85	11.72	11.17	11.3	13.39	13.79

Credit (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	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

Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5	40	- -	- -	32
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	40	- -	- -	32
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.76	27.89	- -	- -	18.83
Net Debt/EBITDA	0.61	35.69	-3.19	-4.17	-14.25	-10.29	-10.37	-521.88	-310.42	-269.68	-207.38	-18.94	-99.93	-54.96	-6.89
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	0.55	8.29	-3.19	-4.17	-15.35	-10.78	-10.69	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	24.38	15.89	13.59	0.34	8.11	8.2	8.36	8.39	7.31	8.55	12.94	10.89	11.06	12.26	13.37
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.35	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.52	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.47	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.35	23.96	- -	- -	14.13
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.52	20.67	- -	- -	11.93
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.47	2.84	- -	- -	1.81
Net Debt to Equity	-7.97	-22.39	-26.86	-37.25	-236.44	-199.58	-215.44	-214.21	-176.05	-155.8	-102.66	-16.26	-84.52	-39.15	-5.17
Net Debt/Capital (%)	-8.64	-28.49	-35.63	108.4	171.57	195.77	182.35	183.29	184.15	213.05	1,346.4	-21.48	-509.56	-56.7	-5.22
EBITDA	-1	- -	1	2	5	7	9	- -	- -	- -	1	1	2	1	2
EBITDA-CapEx	-1	- -	1	2	5	7	9	- -	- -	-2	- -	-2	-1	-2	- -
Operating Income (Loss)	-2	- -	1	2	5	7	9	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	24.38	15.89	13.59	0.34	8.11	8.2	8.36	8.39	7.31	8.55	12.94	10.89	11.06	12.26	13.37
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.35	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.52	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.47	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.35	23.96	- -	- -	14.13
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.52	20.67	- -	- -	11.93
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.47	2.84	- -	- -	1.81
CFO/Total Liabilities	-3.45	0.37	- -	- -	0.51	-1.1	-0.95	0.09	-0.77	-0.35	0.13	-0.05	-0.98	0.65	1.54
CFO/CapEx	- -	- -	- -	- -	28.2	-16.9	-55.86	1.34	-10.71	-0.76	2.66	-0.18	-4.94	2.67	18.96
Altman's Z-Score	0.19	0.26	0.27	0.21	0.18	0.2	0.23	0.19	0.21	0.23	0.18	0.17	0.17	0.2	0.24

Working Capital (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	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

Accounts Receivable Turnover	- -	15.99	13.38	13.12	18.16	15.1	14.94	15.08	14.89	14.44	13.75	4.89	3.56	3.19	3.13
Days Sales Outstanding	- -	22.83	27.28	27.82	20.1	24.17	24.44	24.2	24.51	25.27	26.54	74.62	102.47	114.45	116.74
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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	2004 Y	2005 Y	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	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

Market Capitalization	20	36	34	27	34	41	61	78	108	112	132	160	187	203	245
- Cash & Cash Equivalents	1	3	5	7	77	77	95	109	101	107	155	68	157	77	44
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5	40	- -	- -	32
Enterprise Value	19	33	30	20	-43	-47	-45	-49	-11	-21	-71	82	-243	-195	-29
Total Capital	11	15	18	1	32	38	43	49	46	57	144	195	188	214	272
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.52	20.67	- -	- -	11.93
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.07	0.49	- -	- -	-1.11
EV/Sales	14.14	7.86	3.98	2.19	- -	- -	- -	- -	- -	3.46	- -	1.55	- -	- -	- -
EV/EBITDA	- -	- -	19.95	11.6	- -	- -	- -	- -	- -	- -	- -	56.85	- -	- -	- -
EV/EBIT	- -	- -	19.95	11.6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	107.96	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	107.96	- -	- -	- -	- -	- -	- -	- -	- -	- -	28.57	- -	- -	- -
Diluted Market Cap	20	36	34	27	35	41	62	79	108	113	132	160	188	204	246
Diluted Enterprise Value	19	33	30	20	-42	-36	-33	-29	7	7	-18	133	31	126	234
EV per Share	5.9	9.53	7.43	5.1	- -	- -	- -	- -	- -	20.99	- -	9.71	- -	- -	- -
TTM Sales	1	4	7	9	18	21	23	26	29	32	39	53	66	75	86
TTM EBITDA	-1	- -	1	2	5	7	9	- -	- -	- -	1	1	2	1	2
TTM Operating Income	-2	- -	1	2	5	7	9	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-1	- -	- -	- -	2	-5	-4	- -	-4	-2	1	-1	-15	10	24
TTM Free Cash Flow to Firm	-1	- -	- -	- -	2	-4	-4	1	-4	1	2	3	-12	14	25

Multiples (USD)

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	2004 Y	2005 Y	2006 Y	2007 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2007	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

Price/Free Cash Flow	-16.84	119.22	- -	- -	18.44	-9.48	-14.12	97.5	-26.89	173.58	82.42	55.66	-15.88	14.8	9.7
EV/EBIT	- -	- -	19.95	11.6	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	19	33	30	20	-43	-47	-45	-49	-11	-21	-71	82	-243	-195	-29
Low Price	4.17	6.17	9.81	7.89	5.79	7.24	8.85	11.61	16.32	21.93	20.73	14.54	20.33	21.25	22.65
EV/Sales	14.14	7.86	3.98	2.19	- -	- -	- -	- -	- -	3.46	- -	1.55	- -	- -	- -
EV/EBITDA	- -	- -	19.95	11.6	- -	- -	- -	- -	- -	- -	- -	56.85	- -	- -	- -
Price/Earnings	- -	- -	15.8	27.55	10.28	9.33	11.22	12.03	15.93	9.83	10.72	9.09	8.81	6.56	6.97
Price/Earnings Average	-11.92	-65.64	18.42	34.32	8.96	8.89	9.35	10	13.63	10.59	10.68	8.93	8.97	6.2	5.95
Price/Earnings High	-13.73	-151.42	26.68	46.52	12.74	12.31	12.83	14.58	19.55	13.52	12.88	13.98	10.7	7.27	7.15
Price/Earnings Low	-8.4	-51.39	17.99	31.37	8.33	8.53	8.47	9.43	12.82	10.31	10.1	7.02	8.13	5.85	5.41
Price/Book Value	1.8	2.35	1.9	48.83	1.05	1.08	1.42	1.58	2.34	1.97	0.95	1.03	1	0.95	1.02
Price/Book Value Average	1.73	1.76	2.22	60.81	0.92	1.03	1.18	1.32	2	2.13	0.95	1.01	1.01	0.9	0.87
Price/Book Value High	1.99	4.05	3.21	82.43	1.31	1.43	1.63	1.92	2.87	2.72	1.14	1.58	1.21	1.05	1.05
Price/Book Value Low	1.22	1.38	2.17	55.59	0.85	0.99	1.07	1.24	1.88	2.07	0.9	0.79	0.92	0.85	0.79
Price/Tangible Book Value	1.8	2.37	1.95	1.41	1.06	1.08	1.41	1.56	1.9	1.63	1.08	1.14	1.19	1.19	1.21
Price/Tangible Book Value Average	1.73	1.77	2.27	1.76	0.92	1.03	1.17	1.3	1.63	1.76	1.08	1.12	1.21	1.13	1.03
Price/Tangible Book Value High	1.99	4.09	3.29	2.38	1.31	1.42	1.61	1.9	2.33	2.25	1.3	1.76	1.44	1.33	1.24
Price/Tangible Book Value Low	1.22	1.39	2.21	1.61	0.86	0.98	1.06	1.23	1.53	1.71	1.02	0.88	1.1	1.06	0.94
Price/Sales	14.8	8.68	4.61	2.97	1.89	1.98	2.7	3.06	3.73	3.44	3.41	3	2.83	2.72	2.84
Price/Sales Average	14.19	6.5	5.38	3.7	1.65	1.89	2.25	2.54	3.19	3.71	3.39	2.94	2.88	2.56	2.42
Price/Sales High	16.35	15	7.79	5.02	2.34	2.62	3.09	3.71	4.58	4.73	4.09	4.61	3.43	3.01	2.91
Price/Sales Low	10	5.09	5.25	3.38	1.53	1.81	2.04	2.4	3	3.61	3.21	2.32	2.61	2.42	2.2
Price/Cash Flow	-16.84	119.22	- -	- -	18.37	-8.78	-13.68	168.07	-24.38	-53.43	113.37	-246.17	-12.63	20.27	10.17
Price/Cash Flow Average	-16.15	89.31	- -	- -	16	-8.37	-11.41	139.81	-20.85	-57.58	112.95	-241.75	-12.87	19.15	8.68
Price/Cash Flow High	-18.61	206.03	- -	- -	22.77	-11.59	-15.65	203.71	-29.91	-73.5	136.2	-378.74	-15.34	22.48	10.43
Price/Cash Flow Low	-11.38	69.92	- -	- -	14.88	-8.03	-10.33	131.76	-19.62	-56.06	106.82	-190.09	-11.66	18.07	7.89
Price/Free Cash Flow Average	-16.15	89.31	- -	- -	16.06	-9.03	-11.78	81.1	-23	187.07	82.12	54.66	-16.18	13.98	8.28
Price/Free Cash Flow High	-18.61	206.03	- -	- -	22.85	-12.5	-16.16	118.17	-32.99	238.78	99.02	85.63	-19.29	16.41	9.95
Price/Free Cash Flow Low	-11.38	69.92	- -	- -	14.93	-8.66	-10.66	76.43	-21.64	182.14	77.67	42.98	-14.66	13.19	7.52
EV/Sales Average	13.54	5.68	4.74	2.92	- -	- -	- -	- -	- -	0.42	- -	2.43	0.51	1.53	2.29
EV/Sales High	15.7	14.18	7.15	4.23	- -	- -	- -	- -	1.08	1.45	0.21	4.1	1.06	1.98	2.77
EV/Sales Low	9.35	4.27	4.61	2.6	- -	- -	- -	- -	- -	0.33	- -	1.8	0.24	1.39	2.07
EV/EBITDA Average	-12.67	-247.25	23.77	15.48	-8.8	-5.1	-4.82	-209.91	-26.94	34.78	-25.31	89.32	21.36	81.2	114.3
EV/EBITDA High	-14.69	-617.03	35.86	22.46	-6.49	-3.11	-2.76	-67.33	96.27	118.94	10.78	150.67	44.66	104.92	138.76
EV/EBITDA Low	-8.74	-185.83	23.14	13.79	-9.18	-5.31	-5.35	-227.88	-43.65	26.75	-34.81	66.19	9.96	73.53	103.3
EV/EBIT Average	-11.38	-57.46	23.77	15.48	-9.47	-5.34	-4.97	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-13.19	-143.39	35.86	22.46	-6.99	-3.25	-2.84	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-7.85	-43.19	23.14	13.79	-9.89	-5.56	-5.51	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	6.17	10.52	8.62	6.93	7.15	7.92	11.72	14.81	20.28	20.9	22	18.83	22.02	23.84	29.19
High Price	6.82	18.18	14.55	11.7	8.86	10.45	13.41	17.95	24.88	28.75	26.43	28.97	26.75	26.44	29.94
Enterprise Value Average	18	24	35	26	-48	-38	-44	-44	-9	14	-19	129	34	114	197
Enterprise Value High	21	59	53	38	-35	-23	-25	-14	31	47	8	218	70	148	239
Enterprise Value Low	12	18	34	24	-50	-40	-49	-47	-14	11	-26	96	16	104	178

Shares Outstanding	3	4	4	4	2	5	5	5	5	5	8	8	9	8	8
Diluted Weighted Avg Shares	3	3	4	4	5	5	5	5	5	5	6	9	9	9	8
Basic Weighted Avg Shares	3	3	4	4	5	5	5	5	5	5	6	8	9	9	8
Revenue per Share	0.42	1.21	1.87	2.33	3.78	3.99	4.34	4.84	5.43	6.07	6.46	6.28	7.79	8.78	10.28
EBITDA per Share	-0.45	-0.03	0.37	0.44	1.14	1.45	1.76	0.04	0.06	0.07	0.13	0.17	0.19	0.17	0.21
Operating Income per Share	-0.5	-0.12	0.37	0.44	1.06	1.39	1.71	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.5	-0.12	0.55	0.25	0.7	0.85	1.05	1.23	1.27	2.13	2.05	2.07	2.5	3.63	4.19
Basic EPS from Cont Ops	-0.5	-0.12	0.55	0.25	0.7	0.85	1.05	1.23	1.27	2.13	2.05	2.07	2.5	3.63	4.19
Diluted EPS, GAAP	-0.5	-0.12	0.55	0.25	0.67	0.84	1.03	1.21	1.27	2.1	2.05	2.06	2.49	3.62	4.17
Diluted EPS from Cont Ops	-0.5	-0.12	0.55	0.25	0.67	0.84	1.03	1.21	1.27	2.1	2.05	2.06	2.49	3.62	4.17
Dividend per Share	- -	- -	- -	- -	0.06	0.08	0.08	0.08	0.08	0.13	0.14	0.14	0.22	0.47	0.46
Cash Flow per Share	-0.37	0.09	- -	- -	0.39	-0.9	-0.86	0.09	-0.83	-0.39	0.19	-0.08	-1.74	1.18	2.87
Free Cash Flow per Basic Share	-0.37	0.09	- -	- -	0.38	-0.95	-0.87	0.02	-0.91	-0.9	0.12	-0.49	-2.1	0.74	2.72
Cash & Equivalents per Share	0.27	0.99	1.19	1.83	16.27	17.13	20.32	24.01	22.41	24.86	34.68	13.88	50.55	46.76	36.56
Book Value per Share	3.43	4.48	4.53	0.14	6.79	7.32	8.25	9.36	8.68	10.59	23.16	18.29	22.12	25.12	28.57
Tangible Book Value per Share	3.42	4.44	4.43	4.92	6.76	7.36	8.34	9.46	10.66	12.81	20.35	16.5	18.56	19.95	24.13

Santa Cruz County Bank

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)