Skyline Bankshares, Inc. Financial Ratios — SLBK Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	7.86	7.68	13.22	18.46	13.42	19.03	17.73	14.8	10.42	19.76
Return on Assets (%)	- -	0.54	0.44	0.74	1.03	0.75	1.02	1.03	0.95	0.66	1.26
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.65	5.25	6.38	6.1	6.23	6.18	5.37	5.3	5.3	5.39	4.82
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	12.28	18.41	22.1	19.85	27.2	21.77	30.61	31.3	28.37	20.01	34.43
Profit Margin (%)	7.68	12.39	9.7	15.65	21.78	17.47	24.38	25.14	22.79	15.88	27.23
Net Income to Common Margin (%)	7.68	12.39	9.7	15.65	21.78	17.47	24.38	25.14	22.79	15.88	27.23
Effective Tax Rate (%)	37.49	32.7	56.12	21.15	19.92	19.76	20.35	19.68	19.68	20.66	20.92
Dvd Payout Ratio (%)	17.25	19.56	33.09	24.81	20.74	26.96	17.13	17.48	24.26	34.71	18.55
Sustainable Growth Rate (%)	- -	6.32	5.14	9.94	14.63	9.8	15.77	14.63	11.21	6.8	16.1

Credit (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	20	- -	- -	- -	10	10	8	- -	25	50	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	25	25	- -
LT Debt	20	- -	- -	- -	10	10	8	- -	- -	25	- -
Total Debt/EBITDA	33.11	- -	- -	- -	4.89	4.82	3.93	- -	11.09	19.83	- -
Net Debt/EBITDA	23.63	-25.96	-9.46	-11.91	-16.25	-40.9	-5.81	-13.88	1.5	12.11	-8.15
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.3	5.49	5.94	5.28	5.89	5.36	5.4	6.24	6.58	6.05	6.7
Long-Term Debt/Equity (%)	65.24	- -	- -	- -	12.28	11.75	9.63	- -	- -	28.2	- -
Long-Term Debt/Capital (%)	39.33	- -	- -	- -	19.38	17.89	13.24	- -	- -	20.21	- -
Long-Term Debt/Total Assets (%)	6.03	- -	- -	- -	1.42	1.17	0.82	- -	- -	2.05	- -
Total Debt/Equity (%)	65.24	- -	- -	- -	12.28	11.75	9.63	- -	30.16	56.39	- -
Total Debt/Capital (%)	39.33	- -	- -	- -	19.38	17.89	13.24	- -	26.63	40.42	- -
Total Debt/Total Assets (%)	6.03	- -	- -	- -	1.42	1.17	0.82	- -	2.39	4.11	- -
Net Debt to Equity	46.55	-47.98	-26.42	-27.79	-40.83	-99.73	-14.24	-41.27	4.08	34.45	-21.22
Net Debt/Capital (%)	31.62	-658.76	-86.72	-140.94	-398.14	217.7	-29.16	-93.69	4.68	29.3	-35.83
EBITDA	1	1	2	2	2	2	2	2	2	3	3
EBITDA-CapEx	- -	- -	1	-1	-2	-2	-4	-2	-1	-1	-5
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.3	5.49	5.94	5.28	5.89	5.36	5.4	6.24	6.58	6.05	6.7
Long-Term Debt/Equity (%)	65.24	- -	- -	- -	12.28	11.75	9.63	- -	- -	28.2	- -
Long-Term Debt/Capital (%)	39.33	- -	- -	- -	19.38	17.89	13.24	- -	- -	20.21	- -
Long-Term Debt/Total Assets (%)	6.03	- -	- -	- -	1.42	1.17	0.82	- -	- -	2.05	- -
Total Debt/Equity (%)	65.24	- -	- -	- -	12.28	11.75	9.63	- -	30.16	56.39	- -
Total Debt/Capital (%)	39.33	- -	- -	- -	19.38	17.89	13.24	- -	26.63	40.42	- -
Total Debt/Total Assets (%)	6.03	- -	- -	- -	1.42	1.17	0.82	- -	2.39	4.11	- -
CFO/Total Liabilities	0.66	0.71	0.02	1.04	1.51	0.85	1.05	1.15	1.18	1.13	1.58
CFO/CapEx	7.13	5.31	0.1	2.22	2.44	1.45	1.64	2.8	3.99	3.44	2.31
Altman's Z-Score	0.16	0.15	0.19	0.17	0.19	0.16	0.16	0.17	0.17	0.16	0.19

Working Capital (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	12.9	14.43	15.14	15.81	15.18	16.49	15.31	13.22	12.51	13.6
Days Sales Outstanding	- -	28.29	25.3	24.11	23.09	24.04	22.14	23.84	27.62	29.18	26.83
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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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	28	51	52	67	53	70	59	60	68	106
- Cash & Cash Equivalents	6	27	15	21	43	95	20	30	22	19	23
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	20	- -	- -	- -	10	10	8	- -	25	50	- -
Enterprise Value	-42	-61	-15	-15	1	-66	-72	-107	-64	-20	78
Total Capital	51	31	33	36	52	56	62	62	94	124	87
Total Debt/Capital (%)	39.33	- -	- -	- -	19.38	17.89	13.24	- -	26.63	40.42	- -
Total Debt / EV	-0.48	- -	- -	- -	8.67	-0.15	-0.11	- -	-0.39	-2.49	- -
EV/Sales	- -	- -	- -	- -	0.04	- -	- -	- -	- -	2.01	1.34
EV/EBITDA	- -	- -	- -	- -	0.56	- -	- -	- -	- -	37.25	27.85
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	0.12	- -	- -	- -	- -	7.38	4.16
EV/Free Cash Flow to Firm	- -	- -	- -	- -	0.09	- -	- -	- -	- -	5.72	2.9
Diluted Market Cap	- -	28	51	52	67	53	70	59	60	68	106
Diluted Enterprise Value	14	2	36	31	34	-32	58	29	64	98	83
EV per Share	- -	- -	- -	- -	0.19	- -	- -	- -	- -	16.91	13.98
TTM Sales	13	20	25	29	33	34	39	41	43	47	58
TTM EBITDA	1	1	2	2	2	2	2	2	2	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	4	- -	6	9	7	10	11	11	13	19
TTM Free Cash Flow to Firm	2	4	1	9	13	11	15	14	14	16	27

Multiples (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	6.68	46.85	5.67	5.07	4.74	4.56	4.07	4.24	4.12	3.94
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-42	-61	-15	-15	1	-66	-72	-107	-64	-20	78
Low Price	- -	7.96	8.6	10.9	10.67	7	9.8	11.14	9.32	9.66	11.76
EV/Sales	- -	- -	- -	- -	0.04	- -	- -	- -	- -	2.01	1.34
EV/EBITDA	- -	- -	- -	- -	0.56	- -	- -	- -	- -	37.25	27.85
Price/Earnings	- -	11.76	21.02	11.4	9.4	8.95	7.4	5.71	6.21	9.12	6.7
Price/Earnings Average	- -	11.25	17.86	13.11	8.63	8.87	6.7	6.25	6.01	8.36	5.46
Price/Earnings High	- -	14.57	26.9	16.76	10.93	13.41	8.8	7.5	7.16	9.54	6.77
Price/Earnings Low	- -	13.25	17.79	13.54	9.22	7.25	6.18	6.06	5.36	7.23	4.15
Price/Book Value	- -	0.93	1.57	1.44	1.62	1.15	1.31	0.94	0.87	0.92	1.23
Price/Book Value Average	- -	0.89	1.33	1.65	1.49	1.13	1.18	1.03	0.85	0.84	1
Price/Book Value High	- -	1.15	2.01	2.11	1.88	1.71	1.55	1.24	1.01	0.96	1.24
Price/Book Value Low	- -	1.05	1.33	1.71	1.59	0.93	1.09	1	0.76	0.73	0.76
Price/Tangible Book Value	- -	0.53	0.93	0.75	0.9	0.66	0.88	0.86	0.76	0.88	1.1
Price/Tangible Book Value Average	- -	0.51	0.79	0.87	0.82	0.65	0.79	0.94	0.74	0.81	0.89
Price/Tangible Book Value High	- -	0.66	1.18	1.11	1.04	0.99	1.04	1.13	0.88	0.92	1.11
Price/Tangible Book Value Low	- -	0.6	0.78	0.89	0.88	0.54	0.73	0.91	0.66	0.7	0.68
Price/Sales	- -	1.46	2.04	1.78	2.05	1.56	1.8	1.44	1.41	1.45	1.82
Price/Sales Average	- -	1.39	1.73	2.05	1.88	1.55	1.63	1.57	1.37	1.33	1.49
Price/Sales High	- -	1.81	2.61	2.62	2.38	2.34	2.14	1.89	1.63	1.52	1.84
Price/Sales Low	- -	1.64	1.73	2.12	2.01	1.27	1.51	1.52	1.22	1.15	1.13
Price/Cash Flow	- -	7.94	520.58	8.22	7.15	8.01	7.35	5.53	5.31	5.31	5.65
Price/Cash Flow Average	- -	7.6	442.28	9.45	6.56	7.93	6.65	6.04	5.14	4.87	4.61
Price/Cash Flow High	- -	9.84	666.1	12.08	8.31	11.99	8.73	7.25	6.12	5.56	5.71
Price/Cash Flow Low	- -	8.95	440.65	9.76	7.01	6.48	6.13	5.86	4.58	4.21	3.5
Price/Free Cash Flow Average	- -	6.4	39.8	6.52	4.66	4.7	4.13	4.45	4.11	3.78	3.21
Price/Free Cash Flow High	- -	8.28	59.94	8.33	5.9	7.1	5.42	5.35	4.9	4.31	3.99
Price/Free Cash Flow Low	- -	7.54	39.65	6.73	4.97	3.84	3.81	4.32	3.67	3.27	2.44
EV/Sales Average	1.1	0.03	1.13	1.33	0.87	- -	1.32	0.83	1.45	1.98	1.09
EV/Sales High	1.1	0.44	2	1.9	1.37	- -	1.83	1.15	1.71	2.17	1.45
EV/Sales Low	1.1	0.28	1.12	1.39	1	- -	1.19	0.79	1.3	1.8	0.74
EV/EBITDA Average	23.63	0.58	17.68	21.72	13.94	-15.81	24.61	15.75	27.37	36.72	22.69
EV/EBITDA High	23.63	8.4	31.42	31.06	21.98	-2.98	34.15	21.69	32.32	40.21	30.1
EV/EBITDA Low	23.63	5.3	17.58	22.81	16	-20.41	22.26	14.83	24.57	33.4	15.28
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	7.06	10.16	9.18	10.88	8.65	11.74	10.51	10.79	12.18	19
High Price	- -	8.75	13	13.49	12.65	12.95	13.95	13.8	12.45	12.75	19.2
Enterprise Value Average	14	1	28	38	29	-33	51	34	62	93	64
Enterprise Value High	14	9	50	55	45	-6	71	47	73	101	84
Enterprise Value Low	14	5	28	40	33	-42	46	32	55	84	43

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	5	5	5	6	6	6	6	6	6	6	6
Diluted Weighted Avg Shares	5	4	5	6	6	6	6	6	6	6	6
Basic Weighted Avg Shares	5	4	5	6	6	6	6	6	6	6	6
Revenue per Share	2.59	4.85	4.98	5.14	5.31	5.53	6.51	7.32	7.63	8.41	10.42
EBITDA per Share	0.12	0.25	0.32	0.31	0.33	0.34	0.35	0.39	0.4	0.45	0.5
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.2	0.6	0.48	0.81	1.16	0.97	1.59	1.84	1.74	1.34	2.84
Basic EPS from Cont Ops	0.2	0.6	0.48	0.81	1.16	0.97	1.59	1.84	1.74	1.34	2.84
Diluted EPS, GAAP	0.2	0.6	0.48	0.81	1.16	0.97	1.59	1.84	1.74	1.34	2.84
Diluted EPS from Cont Ops	0.2	0.6	0.48	0.81	1.16	0.97	1.59	1.84	1.74	1.34	2.84
Dividend per Share	0.03	0.12	0.16	0.2	0.24	0.26	0.27	0.32	0.42	0.46	0.53
Cash Flow per Share	0.4	0.89	0.02	1.12	1.52	1.08	1.6	1.9	2.03	2.29	3.36
Free Cash Flow per Basic Share	0.34	0.72	-0.18	0.61	0.9	0.34	0.62	1.22	1.52	1.63	1.91
Cash & Equivalents per Share	12.3	22.14	13.1	11.82	12.31	21.13	25.1	29.57	26.71	24.79	5.02
Book Value per Share	6.15	7.61	6.48	6.39	6.73	7.55	8.99	11.14	12.34	13.26	15.51
Tangible Book Value per Share	6.11	13.2	10.98	12.19	12.14	13.08	13.41	12.24	14.11	13.85	17.32

Skyline Bankshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)