Susquehanna Community Financial, Inc. Financial Ratios — SQCF

Profitability (USD)

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

Return on Common Equity (%)	- -	15.89	16.15	16.07	16.68	16.15	15.37	10.24	10.16	9.12	3.74	4
Return on Assets (%)	- -	1.06	1.13	1.08	1	0.93	1.41	1.12	1.06	0.95	0.39	0.4
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	8.9	9.43	9.15	7.88	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	51.06	60.7	57.44	42.07	39.43	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	41.12	43.4	45.55	42.07	39.43	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	63.09	73.2	424.29	-255.88	-2,018.67	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	41.12	43.4	45.55	42.07	39.43	39.52	33.71	32.25	32.77	30.07	13.77	14.72
Profit Margin (%)	32.14	32.87	33.84	32.66	31.06	30.37	31.18	28.84	29.14	26.98	13.38	14
Net Income to Common Margin (%)	32.14	32.87	33.84	32.66	31.06	30.37	31.18	28.84	29.14	26.98	13.38	14
Effective Tax Rate (%)	21.85	24.26	25.72	22.36	21.24	23.14	7.51	10.59	11.07	10.26	2.81	4.9
Dvd Payout Ratio (%)	62.01	45.47	42.52	- -	- -	- -	45.11	44.31	52.39	55.67	123.16	116.09
Sustainable Growth Rate (%)	- -	8.66	9.28	16.07	16.68	16.15	8.43	5.71	4.84	4.04	-0.87	-0.64

Credit (USD)

API ChatGPT

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

Total Debt	8	9	9	11	17	19	34	12	12	10	51	62
ST Debt	- -	2	1	2	9	11	- -	- -	- -	- -	- -	- -
LT Debt	8	7	8	8	8	8	34	12	12	10	51	62
Total Debt/EBITDA	2.49	2.17	2.06	3.3	5.59	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	0.71	1.34	1.28	2.11	4.31	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	3.1	3.04	2.6	3.3	5.59	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	0.89	1.87	1.61	2.11	4.31	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.82	6.59	7.4	6.09	5.85	5.69	11.16	10.74	10.18	10.7	10.06	9.97
Long-Term Debt/Equity (%)	47.51	41.17	43.35	50.35	47.44	45.32	67.62	22.53	21.34	31.11	143.05	186.37
Long-Term Debt/Capital (%)	36.56	29.86	31.23	32.69	25.67	23.69	39.75	18.53	16.96	14.39	46.22	51.49
Long-Term Debt/Total Assets (%)	3.93	3.17	3.56	3.48	3.26	3.06	7.36	2.44	2.08	1.8	8.64	10.58
Total Debt/Equity (%)	47.51	52.3	48.71	65.95	99.56	107.16	67.62	22.53	21.34	31.11	143.05	186.37
Total Debt/Capital (%)	36.56	37.93	35.09	42.82	53.88	56.02	39.75	18.53	16.96	14.39	46.22	51.49
Total Debt/Total Assets (%)	3.93	4.03	4	4.56	6.84	7.24	7.36	2.44	2.08	1.8	8.64	10.58
Net Debt to Equity	13.61	32.22	30.19	42.16	76.7	77.13	-9.37	-14.3	-13.64	-19.22	-17.09	-16.63
Net Debt/Capital (%)	14.17	27.36	25.1	32.37	47.37	47.83	-5.83	-13.33	-12.16	-9.75	-5.85	-4.81
EBITDA	3	4	4	3	3	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	3	4	4	3	3	- -	-4	-1	-1	-1	-1	- -
Operating Income (Loss)	3	3	3	3	3	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.82	6.59	7.4	6.09	5.85	5.69	11.16	10.74	10.18	10.7	10.06	9.97
Long-Term Debt/Equity (%)	47.51	41.17	43.35	50.35	47.44	45.32	67.62	22.53	21.34	31.11	143.05	186.37
Long-Term Debt/Capital (%)	36.56	29.86	31.23	32.69	25.67	23.69	39.75	18.53	16.96	14.39	46.22	51.49
Long-Term Debt/Total Assets (%)	3.93	3.17	3.56	3.48	3.26	3.06	7.36	2.44	2.08	1.8	8.64	10.58
Total Debt/Equity (%)	47.51	52.3	48.71	65.95	99.56	107.16	67.62	22.53	21.34	31.11	143.05	186.37
Total Debt/Capital (%)	36.56	37.93	35.09	42.82	53.88	56.02	39.75	18.53	16.96	14.39	46.22	51.49
Total Debt/Total Assets (%)	3.93	4.03	4	4.56	6.84	7.24	7.36	2.44	2.08	1.8	8.64	10.58
CFO/Total Liabilities	1.35	1.34	1.52	- -	- -	- -	1.6	1.71	1.43	0.95	0.56	0.82
CFO/CapEx	- -	- -	- -	- -	- -	- -	1.5	11.11	5.48	6.69	4.07	9.71
Altman's Z-Score	0.2	0.21	0.23	0.21	0.2	0.15	0.24	0.23	0.22	0.22	0.19	0.16

Working Capital (USD)

API ChatGPT

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

Accounts Receivable Turnover	- -	5.7	5.98	6.19	5.88	5.18	19.84	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	63.98	61.09	58.96	62.03	70.42	18.39	- -	- -	- -	- -	- -
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

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

Market Capitalization	12	16	18	18	18	17	42	39	43	38	30	- -
- Cash & Cash Equivalents	6	4	3	4	4	5	5	8	7	6	6	6
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	8	9	9	11	17	19	34	12	12	10	51	62
Enterprise Value	15	22	23	25	31	31	71	44	47	42	75	57
Total Capital	22	25	26	25	31	34	85	66	69	70	110	121
Total Debt/Capital (%)	36.56	37.93	35.09	42.82	53.88	56.02	39.75	18.53	16.96	14.39	46.22	51.49
Total Debt / EV	0.55	0.42	0.39	0.43	0.55	0.61	0.48	0.28	0.25	0.24	0.68	1.1
EV/Sales	2.31	3.12	3.02	3.22	4.02	3.97	4.34	2.34	2.42	2.15	4.51	3.38
EV/EBITDA	4.52	5.13	5.26	7.66	10.19	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	5.61	7.18	6.63	7.66	10.19	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	5.74	7.69	7.33	- -	- -	- -	10.86	5.7	6.48	8.52	24.38	12.49
EV/Free Cash Flow to Firm	5.74	7.69	7.33	- -	- -	- -	6.51	5.23	5.48	7.41	19.57	11.32
Diluted Market Cap	12	16	18	18	18	17	42	39	43	38	30	- -
Diluted Enterprise Value	15	22	23	25	31	31	71	44	47	42	75	57
EV per Share	4.6	6.93	7.24	7.66	9.63	9.69	23.98	15.03	16.27	14.9	26.28	- -
TTM Sales	6	7	8	8	8	8	16	19	19	20	17	17
TTM EBITDA	3	4	4	3	3	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	3	3	3	3	3	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	3	3	- -	- -	- -	6	8	7	5	3	5
TTM Free Cash Flow to Firm	3	3	3	- -	- -	- -	11	8	9	6	4	5

Multiples (USD)

API ChatGPT

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

Price/Free Cash Flow	4.83	5.69	5.55	- -	- -	- -	3.83	4.7	4.99	6.74	7.87	- -
EV/EBIT	5.61	7.18	6.63	7.66	10.19	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	15	22	23	25	31	31	71	44	47	42	75	57
Low Price	9.25	9.4	12.25	12.5	12.13	10.76	16.37	16	17.2	15.5	10	10
EV/Sales	2.31	3.12	3.02	3.22	4.02	3.97	4.34	2.34	2.42	2.15	4.51	3.38
EV/EBITDA	4.52	5.13	5.26	7.66	10.19	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	6.04	7.01	6.76	7.15	7.47	7.29	8.21	7.3	7.56	7.25	13.56	- -
Price/Earnings Average	6.05	5.84	6.71	7.5	7.35	7.41	7.71	7.11	7.43	8.22	15.78	- -
Price/Earnings High	16.39	17.44	20.03	18.69	17.64	17.18	12.02	10.77	10.18	12.81	22.7	- -
Price/Earnings Low	14.44	12.86	15.1	16.11	16.3	14.5	9.51	8.66	8.78	8.29	12.83	- -
Price/Book Value	0.88	1.07	1.04	1.26	1.23	1.16	0.82	0.73	0.75	0.65	0.51	- -
Price/Book Value Average	0.88	0.89	1.04	1.32	1.21	1.18	0.77	0.71	0.74	0.73	0.59	- -
Price/Book Value High	2.38	2.66	3.1	3.29	2.9	2.73	1.2	1.07	1.01	1.14	0.85	- -
Price/Book Value Low	2.1	1.96	2.33	2.84	2.68	2.3	0.95	0.86	0.87	0.74	0.48	- -
Price/Tangible Book Value	0.72	0.91	0.94	1.12	1.05	0.98	0.84	0.72	0.78	1.2	0.85	- -
Price/Tangible Book Value Average	0.73	0.76	0.93	1.17	1.04	0.99	0.79	0.7	0.77	1.36	0.99	- -
Price/Tangible Book Value High	1.97	2.27	2.79	2.92	2.49	2.31	1.22	1.06	1.05	2.12	1.42	- -
Price/Tangible Book Value Low	1.73	1.68	2.1	2.51	2.3	1.95	0.97	0.85	0.91	1.37	0.8	- -
Price/Sales	1.94	2.3	2.29	2.34	2.32	2.21	2.56	2.1	2.2	1.96	1.81	- -
Price/Sales Average	1.95	1.92	2.27	2.45	2.28	2.25	2.4	2.05	2.17	2.22	2.11	- -
Price/Sales High	5.27	5.73	6.78	6.1	5.48	5.22	3.75	3.1	2.97	3.46	3.04	- -
Price/Sales Low	4.64	4.23	5.11	5.26	5.06	4.4	2.97	2.5	2.56	2.24	1.72	- -
Price/Cash Flow	4.83	5.69	5.55	- -	- -	- -	6.4	5.12	5.9	7.75	9.8	- -
Price/Cash Flow Average	4.84	4.74	5.51	- -	- -	- -	6.01	4.98	5.8	8.78	11.41	- -
Price/Cash Flow High	13.11	14.16	16.46	- -	- -	- -	9.37	7.55	7.95	13.69	16.42	- -
Price/Cash Flow Low	11.55	10.44	12.41	- -	- -	- -	7.41	6.07	6.85	8.86	9.28	- -
Price/Free Cash Flow Average	4.84	4.74	5.51	- -	- -	- -	3.6	4.57	4.91	7.64	9.16	- -
Price/Free Cash Flow High	13.11	14.16	16.46	- -	- -	- -	5.62	6.93	6.72	11.91	13.18	- -
Price/Free Cash Flow Low	11.55	10.44	12.41	- -	- -	- -	4.44	5.57	5.8	7.71	7.45	- -
EV/Sales Average	2.31	2.73	3	3.34	3.98	4	4.19	2.29	2.38	2.41	4.81	3.38
EV/Sales High	5.63	6.55	7.51	6.99	7.18	6.97	5.53	3.34	3.18	3.65	5.74	3.38
EV/Sales Low	5.01	5.04	5.84	6.15	6.76	6.16	4.75	2.74	2.77	2.43	4.41	3.38
EV/EBITDA Average	4.52	4.5	5.23	7.93	10.09	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	11.03	10.78	13.08	16.62	18.2	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	9.8	8.3	10.17	14.62	17.14	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	5.62	6.29	6.59	7.93	10.09	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	13.7	15.09	16.49	16.62	18.2	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	12.17	11.61	12.83	14.62	17.14	- -	- -	- -	- -	- -	- -	- -
Last Price	3.87	5.12	5.48	5.55	5.56	5.41	14.13	13.49	14.81	13.55	10.57	12.8
High Price	10.5	12.75	16.25	14.5	13.13	12.75	20.7	19.9	19.95	23.94	17.7	13.5
Enterprise Value Average	15	19	23	25	31	31	68	43	46	47	80	57
Enterprise Value High	36	47	58	53	55	55	90	62	61	72	95	57
Enterprise Value Low	32	36	45	47	52	48	77	51	54	48	73	57

Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	- -
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	3	3	- -
Revenue per Share	1.99	2.22	2.4	2.38	2.4	2.44	5.52	6.41	6.73	6.93	5.82	- -
EBITDA per Share	1.02	1.35	1.38	1	0.94	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.82	0.96	1.09	1	0.94	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.64	0.73	0.81	0.78	0.74	0.74	1.72	1.85	1.96	1.87	0.78	- -
Basic EPS from Cont Ops	0.64	0.73	0.81	0.78	0.74	0.74	1.72	1.85	1.96	1.87	0.78	- -
Diluted EPS, GAAP	0.64	0.73	0.81	0.78	0.74	0.74	1.72	1.85	1.96	1.87	0.78	- -
Diluted EPS from Cont Ops	0.64	0.73	0.81	0.78	0.74	0.74	1.72	1.85	1.96	1.87	0.78	- -
Dividend per Share	0.4	0.33	0.34	- -	- -	- -	0.78	0.82	1.03	1.04	0.96	- -
Cash Flow per Share	0.8	0.9	0.99	- -	- -	- -	2.21	2.64	2.51	1.75	1.08	- -
Free Cash Flow per Basic Share	0.8	0.9	0.99	- -	- -	- -	0.73	2.4	2.05	1.49	0.81	- -
Cash & Equivalents per Share	1.81	1.13	1.08	1.19	1.21	1.67	1.58	2.68	2.59	2.17	2.13	- -
Book Value per Share	4.4	4.8	5.25	4.4	4.52	4.67	17.32	18.54	19.82	20.94	20.76	- -
Tangible Book Value per Share	5.34	5.61	5.83	4.97	5.28	5.53	16.9	18.72	18.96	11.31	12.47	- -

Susquehanna Community Financial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)