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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	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 (%)	- -	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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	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	8.27	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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	85	80	66	76
Diluted Enterprise Value	-14	-22	-14	-17	97	83	49	40	118	95	85	120	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
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	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	- -	- -	- -	- -	- -	- -	8.88	9.12	7.27	7.96	7.29	8.08	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	8.83	5.93	28.34	8.21
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	15.43	13.14	8.81	9.75	7.86	9.92	7.92	34.03	9.06
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	7.22	6.49	6.88	6.82	6.03	7.85	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

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	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	4.25	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	4.25	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)