SouthPoint Bancshares, Inc. Financial Ratios — SOUB Stock

Profitability (USD)

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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 (%)	- -	43.18	33.79	34.96	27.25	32.26	29.04	-16.47	-22.26
Return on Assets (%)	- -	1.29	1.29	1.49	1.21	1.21	1.03	-0.55	-0.63
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	30.56	30.85	31.01	28.64	25.86	31.24	33.73	-20.93	-22.52
Profit Margin (%)	18.46	25.12	24.57	22.28	20.17	24.38	26.36	-14.99	-17.46
Net Income to Common Margin (%)	18.46	25.12	24.57	22.28	20.17	24.38	26.36	-14.99	-17.46
Effective Tax Rate (%)	39.61	18.59	20.75	22.19	22.02	21.96	21.85	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	43.18	33.79	34.96	27.25	32.26	29.04	-16.47	-22.26

Credit (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	30	19	2	91	83	358	161	34	34
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	30	19	2	91	83	358	161	34	34
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.56	3.37	4.22	4.29	4.54	3.36	3.71	2.96	2.67
Long-Term Debt/Equity (%)	111.12	62.85	6.08	196.83	160.3	414.81	156.49	36.3	40.06
Long-Term Debt/Capital (%)	78.98	61.03	11.48	78.61	71.92	88.65	72.43	39.23	44.74
Long-Term Debt/Total Assets (%)	9.62	5.27	0.55	15.77	11.63	26.22	9.73	1.91	2.16
Total Debt/Equity (%)	111.12	62.85	6.08	196.83	160.3	414.81	156.49	36.3	40.06
Total Debt/Capital (%)	78.98	61.03	11.48	78.61	71.92	88.65	72.43	39.23	44.74
Total Debt/Total Assets (%)	9.62	5.27	0.55	15.77	11.63	26.22	9.73	1.91	2.16
Net Debt to Equity	-11.68	-25.04	-33.92	-33.98	-74.01	-142.96	-84.49	-141.08	-282.27
Net Debt/Capital (%)	-9.06	-32.12	-177.82	-15.7	-49.72	-43.99	-64.22	290.65	146.46
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-6	-3	- -	-1	- -	-5	-3	-2	-3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	2.56	3.37	4.22	4.29	4.54	3.36	3.71	2.96	2.67
Long-Term Debt/Equity (%)	111.12	62.85	6.08	196.83	160.3	414.81	156.49	36.3	40.06
Long-Term Debt/Capital (%)	78.98	61.03	11.48	78.61	71.92	88.65	72.43	39.23	44.74
Long-Term Debt/Total Assets (%)	9.62	5.27	0.55	15.77	11.63	26.22	9.73	1.91	2.16
Total Debt/Equity (%)	111.12	62.85	6.08	196.83	160.3	414.81	156.49	36.3	40.06
Total Debt/Capital (%)	78.98	61.03	11.48	78.61	71.92	88.65	72.43	39.23	44.74
Total Debt/Total Assets (%)	9.62	5.27	0.55	15.77	11.63	26.22	9.73	1.91	2.16
CFO/Total Liabilities	2.8	1.59	1.16	0.58	2.76	1.8	1.63	0.95	1.97
CFO/CapEx	1.29	1.92	18.84	3.35	267.36	4.78	7.58	7.51	9.76
Altman's Z-Score	0.08	0.09	0.17	0.16	0.18	0.12	0.12	0.11	0.09

Working Capital (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	- -	- -	- -	- -	- -	- -	- -
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)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	42	43	71	89	82	109	43
- Cash & Cash Equivalents	3	8	13	16	38	123	87	131	238
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	30	19	2	91	83	358	161	34	34
Enterprise Value	27	12	32	118	115	324	157	12	-161
Total Capital	38	32	20	115	115	404	223	86	76
Total Debt/Capital (%)	78.98	61.03	11.48	78.61	71.92	88.65	72.43	39.23	44.74
Total Debt / EV	1.12	1.66	0.07	0.77	0.72	1.11	1.03	2.88	-0.21
EV/Sales	1.58	0.67	1.56	3.58	2.99	6.25	2.65	0.19	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	3.36	2.17	7.36	38.31	6.32	14.04	6.19	0.74	- -
EV/Free Cash Flow to Firm	1.89	1.43	6.99	29.51	6.3	11.61	5.47	0.65	- -
Diluted Market Cap	- -	- -	42	43	71	89	82	109	43
Diluted Enterprise Value	27	12	32	118	115	324	157	12	-161
EV per Share	13.29	5.78	15.87	58.6	57.12	112.41	54.22	4.03	- -
TTM Sales	17	17	20	33	39	52	59	62	60
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	8	5	4	3	18	23	25	16	29
TTM Free Cash Flow to Firm	14	8	5	4	18	28	29	18	32

Multiples (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	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	- -	- -	9.25	10.75	3.86	3.18	2.88	6.06	1.33
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	27	12	32	118	115	324	157	12	-161
Low Price	- -	- -	17.1	14	21.35	29	26.25	28.5	13.6
EV/Sales	1.58	0.67	1.56	3.58	2.99	6.25	2.65	0.19	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	8.41	5.86	9.1	7.03	5.29	- -	- -
Price/Earnings Average	- -	- -	7.42	5.01	7.92	7.4	5.53	-10.4	-6.89
Price/Earnings High	- -	- -	8.41	6.8	9.1	9.11	6.49	-12.1	-11.02
Price/Earnings Low	- -	- -	6.85	3.84	5.55	6.61	4.87	-8.84	-3.87
Price/Book Value	- -	- -	2.43	1.74	2.18	1.93	1.34	2.09	1.03
Price/Book Value Average	- -	- -	2.14	1.49	1.9	2.04	1.4	1.87	1.72
Price/Book Value High	- -	- -	2.43	2.02	2.18	2.51	1.65	2.17	2.76
Price/Book Value Low	- -	- -	1.98	1.14	1.33	1.82	1.23	1.59	0.97
Price/Tangible Book Value	- -	- -	1.14	0.93	1.37	1.24	0.93	1.39	0.62
Price/Tangible Book Value Average	- -	- -	1.01	0.8	1.19	1.31	0.98	1.24	1.03
Price/Tangible Book Value High	- -	- -	1.14	1.08	1.37	1.61	1.14	1.45	1.65
Price/Tangible Book Value Low	- -	- -	0.93	0.61	0.83	1.17	0.86	1.06	0.58
Price/Sales	- -	- -	2.07	1.31	1.83	1.71	1.39	1.74	0.72
Price/Sales Average	- -	- -	1.82	1.12	1.6	1.8	1.46	1.56	1.2
Price/Sales High	- -	- -	2.07	1.52	1.83	2.22	1.71	1.81	1.92
Price/Sales Low	- -	- -	1.68	0.86	1.12	1.61	1.28	1.33	0.68
Price/Cash Flow	- -	- -	9.74	13.96	3.87	3.85	3.26	6.87	1.47
Price/Cash Flow Average	- -	- -	8.6	11.93	3.37	4.05	3.41	6.14	2.46
Price/Cash Flow High	- -	- -	9.74	16.21	3.87	4.99	4	7.14	3.94
Price/Cash Flow Low	- -	- -	7.93	9.15	2.36	3.62	3	5.22	1.38
Price/Free Cash Flow Average	- -	- -	8.16	9.19	3.36	3.35	3.01	5.42	2.24
Price/Free Cash Flow High	- -	- -	9.25	12.49	3.86	4.13	3.53	6.3	3.58
Price/Free Cash Flow Low	- -	- -	7.53	7.05	2.35	3	2.65	4.61	1.26
EV/Sales Average	1.58	0.67	1.32	3.39	2.76	6.34	2.71	- -	- -
EV/Sales High	1.58	0.67	1.56	3.79	2.99	6.76	2.97	0.26	- -
EV/Sales Low	1.58	0.67	1.18	3.13	2.28	6.15	2.54	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	21	21.35	35	30.83	28.51	37.5	14.45
High Price	- -	- -	21	24.8	35	39.99	35	38.99	38.75
Enterprise Value Average	27	12	27	112	106	328	161	- -	-132
Enterprise Value High	27	12	32	125	115	350	175	16	-89
Enterprise Value Low	27	12	24	103	88	318	150	-14	-164

Shares Outstanding	2	2	2	2	2	3	3	3	3
Diluted Weighted Avg Shares	2	2	2	2	2	3	3	3	3
Basic Weighted Avg Shares	2	2	2	2	2	3	3	3	3
Revenue per Share	8.44	8.68	10.16	16.36	19.08	17.99	20.46	21.5	20.14
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.56	2.18	2.5	3.64	3.85	4.39	5.39	-3.22	-3.52
Basic EPS from Cont Ops	1.56	2.18	2.5	3.64	3.85	4.39	5.39	-3.22	-3.52
Diluted EPS, GAAP	1.56	2.18	2.5	3.64	3.85	4.39	5.39	-3.22	-3.52
Diluted EPS from Cont Ops	1.56	2.18	2.5	3.64	3.85	4.39	5.39	-3.22	-3.52
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	3.96	2.66	2.16	1.53	9.03	8.01	8.76	5.46	9.83
Free Cash Flow per Basic Share	0.88	1.28	2.04	1.07	9	6.33	7.6	4.73	8.82
Cash & Equivalents per Share	1.56	3.83	6.25	7.77	18.97	42.9	30.17	45.06	80.17
Book Value per Share	3.95	6.14	8.64	12.25	16.04	15.94	21.27	17.96	14.05
Tangible Book Value per Share	13.37	15.29	18.42	22.88	25.63	24.78	30.59	26.94	23.48

SouthPoint Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)