Solvay Bank Corp. Financial Ratios — SOBS Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	13.17	12.49	11.7	11.56	11.87	10.82	8.69	11.28	7.42	10.29	10.28	5.91	4.36	5.48
Return on Assets (%)	- -	1.11	1.12	1.11	1.09	1.08	1.07	0.91	1.16	0.72	0.96	0.97	0.55	0.39	0.48
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	13.3	12.69	11.95	11.73	11.87	11.01	9.38	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	42.18	44.47	44.32	44.06	38.53	37.65	40.21	35.09	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	37.56	39.44	39.78	39.91	38.53	37.65	36.23	29.82	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	178.48	47.97	47.96	-1.87	-9.09	12.53	-87.2	-80.13	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	37.56	39.44	39.78	39.91	38.53	37.65	36.23	29.82	35.13	28.7	38.14	39.48	25.45	19.07	21.58
Profit Margin (%)	24.76	26.45	26.38	26.43	25.93	26.21	25.46	21.96	28.48	23.44	30.44	31.05	20.79	15.45	18.28
Net Income to Common Margin (%)	24.76	26.45	26.38	26.43	25.93	26.21	25.46	21.96	28.48	23.44	30.44	31.05	20.79	15.45	18.28
Effective Tax Rate (%)	34.06	32.93	33.7	33.78	32.7	30.4	29.71	26.35	18.93	18.32	20.18	21.33	18.3	19.02	15.3
Dvd Payout Ratio (%)	18.77	21.3	23.71	26.15	- -	- -	27.73	31.37	35.93	47.33	32.97	34.82	66.88	95.44	77.14
Sustainable Growth Rate (%)	- -	10.37	9.53	8.64	11.56	11.87	7.82	5.96	7.23	3.91	6.9	6.7	1.96	0.2	1.25

Credit (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	- -	- -	- -	- -	5	- -	52	29	4	50	81	45	16
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	5	- -	52	29	4	50	81	45	16
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	0.59	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-1.95	-2.74	-1.66	-2.08	-2.09	-1.85	-0.8	-1.53	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	0.66	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-2.19	-3.09	-1.85	-2.3	-2.09	-1.85	-0.88	-1.8	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.27	8.58	9.29	9.73	9.12	9.12	10.64	10.4	10.24	9.24	9.39	9.52	9.16	8.73	8.91
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	10.56	- -	56.75	29.25	3.71	71.37	104.49	56.01	16.67
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	8.42	- -	35.26	23.17	3.47	31.83	43.68	30.03	12.82
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	0.98	- -	5.58	2.78	0.34	4.45	7.1	3.75	1.31
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	10.56	- -	56.75	29.25	3.71	71.37	104.49	56.01	16.67
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	8.42	- -	35.26	23.17	3.47	31.83	43.68	30.03	12.82
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	0.98	- -	5.58	2.78	0.34	4.45	7.1	3.75	1.31
Net Debt to Equity	-42.83	-58.56	-34.01	-39.88	-36.55	-30.82	-14.19	-23.12	-13.59	-14.17	-10.25	-20.86	-14.15	-16.73	-11.55
Net Debt/Capital (%)	-73.85	-137.48	-50.05	-63.97	-56.92	-45.04	-14.1	-26	-9.22	-12.64	-10.61	-10.26	-6.29	-9.86	-9.75
EBITDA	7	8	8	8	7	7	8	8	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	7	8	8	8	7	7	8	7	-2	-1	- -	- -	- -	-1	-2
Operating Income (Loss)	7	7	7	7	7	7	8	7	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 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	8.27	8.58	9.29	9.73	9.12	9.12	10.64	10.4	10.24	9.24	9.39	9.52	9.16	8.73	8.91
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	10.56	- -	56.75	29.25	3.71	71.37	104.49	56.01	16.67
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	8.42	- -	35.26	23.17	3.47	31.83	43.68	30.03	12.82
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	0.98	- -	5.58	2.78	0.34	4.45	7.1	3.75	1.31
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	10.56	- -	56.75	29.25	3.71	71.37	104.49	56.01	16.67
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	8.42	- -	35.26	23.17	3.47	31.83	43.68	30.03	12.82
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	0.98	- -	5.58	2.78	0.34	4.45	7.1	3.75	1.31
CFO/Total Liabilities	1.61	1.5	1.81	1.37	- -	- -	1.2	1.03	1.08	1.01	1.25	0.99	1.18	0.13	0.64
CFO/CapEx	- -	- -	- -	- -	- -	- -	8.5	9.52	5.46	18.3	103.87	95.89	35.26	1.45	3.59
Altman's Z-Score	0.18	0.19	0.17	0.18	0.33	0.3	0.26	0.24	0.2	0.18	0.19	0.19	0.17	0.16	0.13

Working Capital (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	112	97	55	52	79	80	92	85	80	66	- -
- Cash & Cash Equivalents	14	22	14	17	16	14	12	12	12	14	10	15	11	13	11
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	5	- -	52	29	4	50	81	45	16
Enterprise Value	-14	-22	-14	-17	97	83	49	40	118	95	85	120	150	97	5
Total Capital	34	37	41	44	43	44	59	57	148	125	107	156	185	149	121
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	8.42	- -	35.26	23.17	3.47	31.83	43.68	30.03	12.82
Total Debt / EV	- -	- -	- -	- -	- -	- -	0.1	- -	0.44	0.31	0.04	0.42	0.54	0.46	3.25
EV/Sales	1.11	1.06	3.66	2.75	4.98	4.19	2.32	1.81	3.9	3.12	2.53	3.45	5	3.31	0.15
EV/EBITDA	2.64	2.38	8.26	6.25	12.93	11.14	5.77	5.15	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	2.97	2.68	9.2	6.9	12.93	11.14	6.4	6.07	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	3.22	3.15	9.39	9.21	- -	- -	8.71	7.78	12.94	9.97	6.84	11.56	12.02	67.44	0.69
EV/Free Cash Flow to Firm	3.22	3.15	9.39	9.21	- -	- -	7.8	7.04	10.94	9.46	6.77	11.44	11.69	39.95	0.54
Diluted Market Cap	- -	- -	- -	- -	112	97	55	52	79	80	92	- -	80	66	76
Diluted Enterprise Value	-14	-22	-14	-17	97	83	49	40	118	95	85	35	150	97	81
EV per Share	7.11	6.81	24.55	18.72	35.08	30.07	18.61	15.42	48.73	37.7	33.61	47.2	59.03	38.38	- -
TTM Sales	17	18	18	19	19	20	21	22	30	30	34	35	30	29	31
TTM EBITDA	7	8	8	8	7	7	8	8	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	7	7	7	7	7	7	8	7	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	6	7	6	- -	- -	6	5	9	9	12	10	12	1	7
TTM Free Cash Flow to Firm	6	6	7	6	- -	- -	6	6	11	10	13	10	13	2	9

Multiples (USD)

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	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	8.88	9.12	7.27	7.96	7.29	- -	6.24	27.07	8.53
EV/EBIT	2.97	2.68	9.2	6.9	12.93	11.14	6.4	6.07	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-14	-22	-14	-17	97	83	49	40	118	95	85	120	150	97	5
Low Price	- -	- -	- -	- -	35.45	31.77	17.24	14.22	30.66	27.21	29.93	32.38	25.1	22.9	25.02
EV/Sales	1.11	1.06	3.66	2.75	4.98	4.19	2.32	1.81	3.9	3.12	2.53	3.45	5	3.31	0.15
EV/EBITDA	2.64	2.38	8.26	6.25	12.93	11.14	5.77	5.15	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	22.32	18.66	10.37	10.67	9.1	11.21	8.95	7.85	12.84	14.52	- -
Price/Earnings Average	- -	- -	- -	- -	22.68	22.03	13.56	10.37	9.76	11.17	8.78	8.59	12.2	15.2	- -
Price/Earnings High	- -	- -	- -	- -	23.84	25.83	18.02	15.37	11.02	13.72	9.64	9.64	16.3	18.25	- -
Price/Earnings Low	- -	- -	- -	- -	19.42	16.9	8.44	7.59	8.62	9.6	7.4	7.62	10.23	12.78	- -
Price/Book Value	- -	- -	- -	- -	2.61	2.18	1.02	0.9	0.82	0.83	0.89	0.79	0.77	0.63	- -
Price/Book Value Average	- -	- -	- -	- -	2.65	2.58	1.33	0.88	0.88	0.83	0.87	0.87	0.73	0.66	- -
Price/Book Value High	- -	- -	- -	- -	2.79	3.02	1.77	1.3	0.99	1.02	0.96	0.98	0.97	0.8	- -
Price/Book Value Low	- -	- -	- -	- -	2.27	1.98	0.83	0.64	0.78	0.71	0.74	0.77	0.61	0.56	- -
Price/Tangible Book Value	- -	- -	- -	- -	2.63	2.17	1.17	1.01	0.86	0.8	0.92	1.21	1.03	0.83	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	2.67	2.56	1.53	0.98	0.92	0.8	0.9	1.33	0.98	0.86	- -
Price/Tangible Book Value High	- -	- -	- -	- -	2.81	3	2.03	1.46	1.04	0.98	0.99	1.49	1.31	1.04	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	2.29	1.96	0.95	0.72	0.81	0.69	0.76	1.18	0.82	0.73	- -
Price/Sales	- -	- -	- -	- -	5.79	4.89	2.64	2.34	2.59	2.63	2.72	2.44	2.67	2.24	- -
Price/Sales Average	- -	- -	- -	- -	5.88	5.77	3.45	2.28	2.78	2.62	2.67	2.67	2.54	2.35	- -
Price/Sales High	- -	- -	- -	- -	6.18	6.77	4.59	3.38	3.14	3.22	2.94	2.99	3.39	2.82	- -
Price/Sales Low	- -	- -	- -	- -	5.04	4.43	2.15	1.67	2.45	2.25	2.25	2.37	2.13	1.97	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	9.92	10.08	8.6	8.4	7.36	8.16	6.42	45.7	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	12.97	9.8	9.23	8.37	7.22	8.93	6.09	47.85	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	17.24	14.52	10.42	10.28	7.93	10.03	8.15	57.45	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	8.07	7.17	8.14	7.2	6.09	7.93	5.11	40.23	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	11.61	8.87	7.8	7.93	7.15	- -	5.93	28.34	8.21
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	15.43	13.14	8.81	9.75	7.86	- -	7.92	34.03	9.06
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	7.22	6.49	6.88	6.82	6.03	- -	4.97	23.83	7.14
EV/Sales Average	0.84	0.81	2.72	3.35	5.08	5.08	3.13	1.74	4.09	3.11	2.48	3.68	4.87	3.41	0.15
EV/Sales High	3.24	3.63	8.44	8.76	5.38	6.07	4.27	2.84	4.45	3.71	2.74	4.01	5.72	3.89	0.15
EV/Sales Low	1.82	2.18	3.62	6.12	4.23	3.73	1.83	1.13	3.76	2.74	2.06	3.38	4.46	3.04	0.15
EV/EBITDA Average	-1.95	-2.74	-1.66	-2.08	13.18	13.49	7.79	4.97	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-1.95	-2.74	-1.66	-2.08	13.96	16.13	10.61	8.09	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-1.95	-2.74	-1.66	-2.08	10.98	9.92	4.55	3.23	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-2.19	-3.09	-1.85	-2.3	13.18	13.49	8.64	5.84	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-2.19	-3.09	-1.85	-2.3	13.96	16.13	11.78	9.53	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-2.19	-3.09	-1.85	-2.3	10.98	9.92	5.05	3.8	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	40.74	35.06	21.18	19.99	32.39	31.75	36.19	33.33	31.5	26.01	29.89
High Price	- -	- -	- -	- -	43.52	48.54	36.82	28.79	39.23	38.87	39	40.95	40	32.7	31.75
Enterprise Value Average	-14	-22	-14	-17	99	100	66	39	124	94	83	128	146	100	5
Enterprise Value High	-14	-22	-14	-17	104	120	89	63	135	113	92	139	171	114	5
Enterprise Value Low	-14	-22	-14	-17	82	74	38	25	114	83	69	117	133	89	5

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	2	3	3	- -	3	3	3
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	2	3	3	3	3	3	- -
Revenue per Share	6.38	6.45	6.71	6.8	7.04	7.17	8.02	8.53	12.5	12.09	13.29	13.67	11.8	11.6	- -
EBITDA per Share	2.69	2.87	2.97	3	2.71	2.7	3.23	2.99	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	2.4	2.54	2.67	2.71	2.71	2.7	2.91	2.54	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.58	1.71	1.77	1.8	1.83	1.88	2.04	1.87	3.56	2.83	4.04	4.25	2.45	1.79	- -
Basic EPS from Cont Ops	1.58	1.71	1.77	1.8	1.83	1.88	2.04	1.87	3.56	2.83	4.04	4.25	2.45	1.79	- -
Diluted EPS, GAAP	1.58	1.71	1.77	1.8	1.83	1.88	2.04	1.87	3.56	2.83	4.04	- -	2.45	1.79	2.27
Diluted EPS from Cont Ops	1.58	1.71	1.77	1.8	1.83	1.88	2.04	1.87	3.56	2.83	4.04	- -	2.45	1.79	2.27
Dividend per Share	0.3	0.36	0.42	0.47	- -	- -	0.57	0.59	1.28	1.34	1.33	1.48	1.64	1.71	- -
Cash Flow per Share	2.2	2.17	2.61	2.03	- -	- -	2.14	1.98	3.76	3.78	4.92	4.08	4.91	0.57	- -
Free Cash Flow per Basic Share	2.2	2.17	2.61	2.03	- -	- -	1.88	1.77	3.08	3.57	4.87	4.04	4.77	0.18	- -
Cash & Equivalents per Share	5.25	7.86	4.93	6.23	5.66	4.99	4.49	4.57	5.14	5.59	4.04	5.73	4.31	5.27	- -
Book Value per Share	12.36	13.57	14.78	15.96	15.6	16.06	20.81	22.13	39.44	38.29	40.64	41.97	41.05	41.12	- -
Tangible Book Value per Share	12.26	13.42	14.49	15.61	15.48	16.17	18.12	19.75	37.86	39.46	39.38	27.47	30.47	31.51	- -

Solvay Bank Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)