Summit Bancshares, Inc. Financial Ratios — SMAL Stock

Profitability (USD)

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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 (%)	17.37	23.5	19.64	10.69	2.85	5.2	19.05	19.7	13.55	7.65	6.07	8.45	12.71	9.78	6.27
Return on Assets (%)	1.47	2.01	1.94	1.14	0.29	0.54	2	2.3	1.72	0.99	0.69	0.93	1.62	1.48	1.06
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	14.33	21.42	19.64	10.69	2.85	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	40.53	50.85	53.87	35.19	13.94	1.91	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	40.53	50.85	51.86	32.51	11.05	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	80.72	105.91	12.85	228.45	124.85	496.68	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	40.53	50.85	51.86	32.51	11.05	19.63	39.78	35.01	44.47	29.98	26.19	35.69	44.12	39.66	29.56
Profit Margin (%)	24.93	31	32.35	20.34	6.21	12.08	16.79	24.69	31.85	21.24	18.54	25.13	31.14	28.02	20.96
Net Income to Common Margin (%)	24.93	31	32.35	20.34	6.21	12.08	16.79	24.69	31.85	21.24	18.54	25.13	31.14	28.02	20.96
Effective Tax Rate (%)	38.5	39.03	37.61	37.43	43.78	38.48	57.8	29.47	28.39	29.16	29.18	29.59	29.43	29.35	29.1
Dvd Payout Ratio (%)	- -	- -	57.57	23.67	- -	- -	18.17	11.62	8.18	28.28	18.44	13.78	25.86	48.76	54.25
Sustainable Growth Rate (%)	17.37	23.5	8.33	8.16	2.85	5.2	15.59	17.41	12.44	5.48	4.95	7.29	9.43	5.01	2.87

Credit (USD)

API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1
Total Debt/EBITDA	0.75	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-8.94	-6.2	-5.25	-14.25	-34.98	-239.1	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	0.75	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-8.94	-6.2	-5.45	-15.43	-44.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.75	8.36	11.52	9.82	10.27	10.49	- -	11.69	13.74	12.2	10.68	11.39	14.21	16.19	17.56
Long-Term Debt/Equity (%)	20.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.95	2.2	1.5
Long-Term Debt/Capital (%)	17.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.86	2.15	1.48
Long-Term Debt/Total Assets (%)	1.81	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.42	0.36	0.26
Total Debt/Equity (%)	20.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.95	2.2	1.5
Total Debt/Capital (%)	17.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.86	2.15	1.48
Total Debt/Total Assets (%)	1.81	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.42	0.36	0.26
Net Debt to Equity	-245.82	-225.54	-152.02	-287.76	-220.61	-191.78	- -	-214.96	-169.98	-129.03	-119.57	-188.62	-178.3	-126.68	-104.74
Net Debt/Capital (%)	168.58	179.66	292.22	153.26	182.91	208.95	- -	186.98	242.9	444.45	611.04	212.84	236.63	517.38	3,235.4
EBITDA	4	6	6	4	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	4	6	6	4	1	- -	-4	-1	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	4	6	6	3	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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	8.75	8.36	11.52	9.82	10.27	10.49	- -	11.69	13.74	12.2	10.68	11.39	14.21	16.19	17.56
Long-Term Debt/Equity (%)	20.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.95	2.2	1.5
Long-Term Debt/Capital (%)	17.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.86	2.15	1.48
Long-Term Debt/Total Assets (%)	1.81	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.42	0.36	0.26
Total Debt/Equity (%)	20.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.95	2.2	1.5
Total Debt/Capital (%)	17.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.86	2.15	1.48
Total Debt/Total Assets (%)	1.81	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.42	0.36	0.26
CFO/Total Liabilities	- -	- -	2.39	2.01	1.76	1.38	- -	1.55	2.12	1.18	1.26	1.31	2.25	2.02	1.87
CFO/CapEx	- -	- -	- -	- -	- -	- -	0.41	3.34	27.07	13.29	20.58	88.84	104.61	47.11	23.17
Altman's Z-Score	0.35	0.37	0.43	0.29	0.22	0.2	- -	0.36	0.36	0.28	0.25	0.27	0.34	0.4	0.29

Working Capital (USD)

API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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	17.96	15.75	2.94	1.38	0.94	0.77	1.93	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	20.33	23.18	124.35	265.43	389.88	474.33	189.2	- -	- -	- -	- -	- -	- -	- -	- -
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

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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	32	36	35	16	10	11	36	65	47	34	43	43	43	52	- -
- Cash & Cash Equivalents	39	37	32	51	41	37	- -	67	60	48	47	78	81	60	51
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1
Enterprise Value	-4	-1	2	-36	-30	-26	36	-3	-14	-14	-4	-35	-37	-8	-51
Total Capital	18	16	21	18	18	19	- -	31	35	37	39	41	47	49	50
Total Debt/Capital (%)	17.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.86	2.15	1.48
Total Debt / EV	-0.74	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.04	-0.14	-0.01
EV/Sales	- -	- -	0.21	- -	- -	- -	3.27	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	0.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	0.4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.61	- -	- -	- -	20.15	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	0.61	- -	- -	- -	5.86	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	32	36	35	16	10	11	36	65	47	34	43	43	43	52	- -
Diluted Enterprise Value	-4	-1	2	-36	-30	-26	36	-3	-14	-14	-4	-35	-37	-8	-51
EV per Share	- -	- -	1.52	- -	- -	- -	30	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	10	12	11	10	8	8	11	12	14	13	13	14	18	16	14
TTM EBITDA	4	6	6	4	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	4	6	6	3	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	4	3	3	2	2	4	5	3	4	4	6	5	4
TTM Free Cash Flow to Firm	- -	- -	4	3	3	2	6	5	5	3	4	4	6	5	4

Multiples (USD)

API ChatGPT

	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010	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	- -	- -	8.9	4.8	3.67	4.69	5.86	13.62	9.53	10	9.77	10.13	6.89	10.18	- -
EV/EBIT	- -	- -	0.4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-4	-1	2	-36	-30	-26	36	-3	-14	-14	-4	-35	-37	-8	-51
Low Price	17	17	19.7	10.25	7	8	20.5	29.55	38.01	21.25	28.5	35.6	35.1	37	43.68
EV/Sales	- -	- -	0.21	- -	- -	- -	3.27	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	0.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	12.89	9.91	9.38	7.59	20.1	10.9	19.48	21.01	10.29	12.23	18.26	12.59	7.79	11.37	- -
Price/Earnings Average	13.22	9.19	9.92	12.13	20.88	11.27	16.71	13.8	12.32	11.74	18.42	12.72	7.84	10.86	- -
Price/Earnings High	14.86	10.06	10.75	14.06	30.15	14.54	19.48	21.03	14.5	17.6	19.49	13.79	8.47	12.04	- -
Price/Earnings Low	12.63	8.55	8.3	6.48	17.59	10.57	13.31	11.45	10.03	9.12	14.62	12.28	7.44	9.49	- -
Price/Book Value	2.18	2.2	1.63	0.89	0.56	0.55	- -	2.07	1.31	0.91	1.08	1.04	0.95	1.08	- -
Price/Book Value Average	2.24	2.04	1.73	1.42	0.59	0.57	- -	1.36	1.57	0.87	1.09	1.05	0.95	1.04	- -
Price/Book Value High	2.51	2.23	1.87	1.64	0.85	0.74	- -	2.07	1.85	1.31	1.15	1.14	1.03	1.15	- -
Price/Book Value Low	2.14	1.9	1.44	0.76	0.49	0.54	- -	1.13	1.28	0.68	0.87	1.01	0.9	0.9	- -
Price/Tangible Book Value	2.18	2.2	1.63	0.89	0.56	0.55	- -	2.07	1.31	0.91	1.08	1.04	0.95	1.08	- -
Price/Tangible Book Value Average	2.24	2.04	1.73	1.42	0.59	0.57	- -	1.36	1.57	0.87	1.09	1.05	0.95	1.04	- -
Price/Tangible Book Value High	2.51	2.23	1.87	1.64	0.85	0.74	- -	2.07	1.85	1.31	1.15	1.14	1.03	1.15	- -
Price/Tangible Book Value Low	2.14	1.9	1.44	0.76	0.49	0.54	- -	1.13	1.28	0.68	0.87	1.01	0.9	0.9	- -
Price/Sales	3.21	3.07	3.03	1.54	1.25	1.32	3.27	5.19	3.28	2.6	3.39	3.16	2.42	3.19	- -
Price/Sales Average	3.3	2.85	3.21	2.47	1.3	1.36	2.8	3.41	3.92	2.49	3.42	3.2	2.44	3.04	- -
Price/Sales High	3.7	3.12	3.48	2.86	1.87	1.76	3.27	5.19	4.62	3.74	3.61	3.47	2.64	3.37	- -
Price/Sales Low	3.15	2.65	2.69	1.32	1.09	1.28	2.23	2.83	3.19	1.94	2.71	3.08	2.32	2.66	- -
Price/Cash Flow	- -	- -	8.89	4.8	3.67	4.69	20.15	17.69	9.88	10.75	10.25	10.25	6.95	10.39	- -
Price/Cash Flow Average	- -	- -	9.4	7.68	3.82	4.84	17.28	11.62	11.83	10.32	10.34	10.35	7	9.93	- -
Price/Cash Flow High	- -	- -	10.19	8.91	5.51	6.25	20.15	17.71	13.92	15.47	10.94	11.23	7.57	11	- -
Price/Cash Flow Low	- -	- -	7.87	4.1	3.22	4.54	13.77	9.65	9.63	8.01	8.21	9.99	6.64	8.67	- -
Price/Free Cash Flow Average	- -	- -	9.41	7.68	3.82	4.84	5.03	8.94	11.41	9.6	9.86	10.24	6.93	9.72	- -
Price/Free Cash Flow High	- -	- -	10.2	8.91	5.51	6.25	5.86	13.63	13.42	14.38	10.43	11.1	7.5	10.78	- -
Price/Free Cash Flow Low	- -	- -	7.88	4.1	3.22	4.54	4	7.42	9.28	7.45	7.83	9.88	6.58	8.49	- -
EV/Sales Average	- -	- -	0.38	- -	- -	- -	2.8	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	0.08	- -	0.65	- -	- -	- -	3.27	- -	0.37	0.06	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	2.23	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	-0.81	-0.6	0.71	-7.24	-25.67	-167.83	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	0.2	-0.06	1.21	-6.12	-21.54	-147.17	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-1.17	-0.98	-0.26	-10.51	-27.14	-172.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-0.81	-0.6	0.74	-7.84	-32.39	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	0.2	-0.06	1.25	-6.63	-27.18	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-1.17	-0.98	-0.27	-11.38	-34.25	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	17.35	19.7	22.25	12	8	8.25	30	54.2	39	28.5	35.6	36.5	36.75	44.35	56.7
High Price	20	20	25.5	22.25	12	11	30	54.25	54.95	41.01	38	40	40	46.96	58.08
Enterprise Value Average	-3	-4	4	-26	-30	-26	31	-25	-5	-16	-4	-34	-36	-10	-51
Enterprise Value High	1	- -	7	-22	-25	-23	36	-2	5	1	-2	-31	-33	-5	-51
Enterprise Value Low	-5	-6	-2	-38	-32	-27	25	-32	-15	-23	-13	-36	-38	-16	-51

Shares Outstanding	2	2	2	1	1	1	- -	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	2	2	2	1	1	1	1	1	1	1	1	1	1	1	- -
Basic Weighted Avg Shares	2	2	2	1	1	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	5.4	6.41	7.33	7.78	6.41	6.26	9.17	10.45	11.9	10.97	10.52	11.54	15.16	13.92	- -
EBITDA per Share	2.19	3.26	3.95	2.74	0.89	0.12	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	2.19	3.26	3.8	2.53	0.71	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.35	1.99	2.37	1.58	0.4	0.76	1.54	2.58	3.79	2.33	1.95	2.9	4.72	3.9	- -
Basic EPS from Cont Ops	1.35	1.99	2.37	1.58	0.4	0.76	1.54	2.58	3.79	2.33	1.95	2.9	4.72	3.9	- -
Diluted EPS, GAAP	1.35	1.99	2.37	1.58	0.4	0.76	1.54	2.58	3.79	2.33	1.95	2.9	4.72	3.9	- -
Diluted EPS from Cont Ops	1.35	1.99	2.37	1.58	0.4	0.76	1.54	2.58	3.79	2.33	1.95	2.9	4.72	3.9	- -
Dividend per Share	- -	- -	1.37	0.37	- -	- -	0.28	0.3	0.31	0.66	0.36	0.4	1.22	1.9	- -
Cash Flow per Share	- -	- -	2.5	2.5	2.18	1.76	1.49	3.06	3.95	2.65	3.47	3.56	5.29	4.27	- -
Free Cash Flow per Basic Share	- -	- -	2.5	2.5	2.18	1.76	-2.14	2.15	3.8	2.45	3.3	3.52	5.23	4.18	- -
Cash & Equivalents per Share	21.2	20.2	20.73	39.01	31.24	28.61	- -	56.3	50.49	40.4	39.36	66.2	69.31	51.8	- -
Book Value per Share	7.96	8.96	13.64	13.56	14.16	14.92	- -	26.19	29.71	31.31	32.92	35.1	38.88	40.89	- -
Tangible Book Value per Share	7.96	8.96	13.64	13.56	14.16	14.92	- -	26.19	29.71	31.31	32.92	35.1	38.88	40.89	- -

Summit Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)