SVB & T Corporation Financial Ratios — SVBT Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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 (%)	- -	9.13	10.11	9.11	10.01	13.71	10.57	8.65	8.69	11.5
Return on Assets (%)	- -	0.94	1.06	0.95	1.02	1.5	1.21	0.96	0.98	1.38
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.94	4.3	4.47	4.22	3.41	3.07	3.2	3.53	3.33	2.93
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	25.81	26.85	27.04	23.52	22.99	32.13	27.92	25.07	25.71	34.06
Profit Margin (%)	19.1	20.31	22.93	20.36	19.85	27	23.49	21.69	22.34	28.49
Net Income to Common Margin (%)	19.1	20.21	22.85	20.28	19.78	26.94	23.43	21.63	22.28	28.44
Effective Tax Rate (%)	26	24.36	15.19	13.41	13.66	15.98	15.88	13.46	13.1	16.35
Dvd Payout Ratio (%)	14.67	13.82	12.85	10.37	11.81	8.01	10.67	13.66	14.04	11.13
Sustainable Growth Rate (%)	- -	7.87	8.81	8.17	8.83	12.62	9.44	7.47	7.47	10.22

Credit (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	24	25	40	42	40	29	10	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	30	24	25	40	42	40	29	10	- -	- -
Total Debt/EBITDA	47.17	32.99	30.54	47.34	50.48	47.02	33.49	10.87	- -	- -
Net Debt/EBITDA	31.57	16.41	18.05	33.37	18.06	33.6	18.68	-3.46	-61.21	-48.23
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	10.24	10.27	10.63	10.18	10.14	11.65	11.19	10.99	11.39	12.5
Long-Term Debt/Equity (%)	84.26	64.6	60.79	86.69	81.76	69.76	52.54	16.59	- -	- -
Long-Term Debt/Capital (%)	44.99	38.09	36.64	46.25	45.43	40.84	31.57	12.89	- -	- -
Long-Term Debt/Total Assets (%)	8.4	6.34	6.16	8.78	8.47	8.06	5.17	1.63	- -	- -
Total Debt/Equity (%)	84.26	64.6	60.79	86.69	81.76	69.76	52.54	16.59	- -	- -
Total Debt/Capital (%)	44.99	38.09	36.64	46.25	45.43	40.84	31.57	12.89	- -	- -
Total Debt/Total Assets (%)	8.4	6.34	6.16	8.78	8.47	8.06	5.17	1.63	- -	- -
Net Debt to Equity	56.39	32.14	35.93	61.11	29.26	49.84	29.3	-5.28	-85.94	-59.32
Net Debt/Capital (%)	35.37	23.44	25.47	37.76	22.95	33.03	20.46	-4.94	-325.99	-118.75
EBITDA	1	1	1	1	1	1	1	1	1	1
EBITDA-CapEx	- -	- -	- -	-1	1	- -	- -	1	1	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	10.24	10.27	10.63	10.18	10.14	11.65	11.19	10.99	11.39	12.5
Long-Term Debt/Equity (%)	84.26	64.6	60.79	86.69	81.76	69.76	52.54	16.59	- -	- -
Long-Term Debt/Capital (%)	44.99	38.09	36.64	46.25	45.43	40.84	31.57	12.89	- -	- -
Long-Term Debt/Total Assets (%)	8.4	6.34	6.16	8.78	8.47	8.06	5.17	1.63	- -	- -
Total Debt/Equity (%)	84.26	64.6	60.79	86.69	81.76	69.76	52.54	16.59	- -	- -
Total Debt/Capital (%)	44.99	38.09	36.64	46.25	45.43	40.84	31.57	12.89	- -	- -
Total Debt/Total Assets (%)	8.4	6.34	6.16	8.78	8.47	8.06	5.17	1.63	- -	- -
CFO/Total Liabilities	1.12	1.02	1.46	1.08	1.32	1.87	1.81	1.42	0.94	1.51
CFO/CapEx	3.81	10.03	13.64	2.15	35.45	6.86	14.44	23.44	17.06	17.94
Altman's Z-Score	0.19	0.19	0.27	0.25	0.24	0.29	0.27	0.24	0.25	0.29

Working Capital (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	- -	10.79	10.48	9.4	9.26	9.57	9.26	8.23	8.11	9.12
Days Sales Outstanding	- -	33.82	34.83	38.82	39.4	38.13	39.43	44.36	45.02	40.01
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

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	- -	- -	44	45	40	55	51	43	46	65
- Cash & Cash Equivalents	10	12	10	12	27	11	13	13	56	44
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	30	24	25	40	42	40	29	10	- -	- -
Enterprise Value	-29	-40	3	15	-6	17	10	-22	-75	15
Total Capital	66	63	67	86	92	97	92	78	73	81
Total Debt/Capital (%)	44.99	38.09	36.64	46.25	45.43	40.84	31.57	12.89	- -	- -
Total Debt / EV	-1.03	-0.61	7.55	2.65	-6.94	2.37	3.01	-0.45	- -	- -
EV/Sales	- -	- -	0.18	0.75	- -	0.61	0.36	- -	- -	0.49
EV/EBITDA	- -	- -	4.04	17.89	- -	19.81	11.11	- -	- -	16.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.62	3.42	- -	2.05	1.05	- -	- -	1.76
EV/Free Cash Flow to Firm	- -	- -	0.58	2.33	- -	1.79	0.99	- -	- -	1.67
Diluted Market Cap	- -	- -	44	45	40	55	51	43	47	65
Diluted Enterprise Value	20	12	59	73	55	83	68	40	-9	22
EV per Share	- -	- -	2.93	13.44	- -	15.09	8.75	- -	- -	13.75
TTM Sales	16	17	18	20	24	27	27	26	27	31
TTM EBITDA	1	1	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	4	5	4	6	8	9	8	5	9
TTM Free Cash Flow to Firm	5	4	6	6	6	9	10	8	6	9

Multiples (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	- -	- -	7.82	6.93	6.69	5.88	5.27	5.23	8.13	7.2
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-29	-40	3	15	-6	17	10	-22	-75	15
Low Price	- -	- -	33.75	39.53	30.5	34.13	45.95	34.35	37	42.25
EV/Sales	- -	- -	0.18	0.75	- -	0.61	0.36	- -	- -	0.49
EV/EBITDA	- -	- -	4.04	17.89	- -	19.81	11.11	- -	- -	16.68
Price/Earnings	- -	- -	10.69	11.06	8.34	7.43	8.12	7.61	7.61	7.37
Price/Earnings Average	- -	- -	10.45	11.12	7.92	6.55	8.64	7.96	7.21	5.76
Price/Earnings High	- -	- -	11.22	11.56	9.67	7.43	17.99	9.37	7.65	7.49
Price/Earnings Low	- -	- -	9.13	10.94	7.07	5.11	7.98	6.7	6.66	5.28
Price/Book Value	- -	- -	1.04	0.97	0.8	0.96	0.82	0.64	0.64	0.81
Price/Book Value Average	- -	- -	1.01	0.98	0.76	0.84	0.87	0.66	0.6	0.63
Price/Book Value High	- -	- -	1.09	1.01	0.93	0.96	1.82	0.78	0.64	0.82
Price/Book Value Low	- -	- -	0.89	0.96	0.68	0.66	0.81	0.56	0.56	0.58
Price/Tangible Book Value	- -	- -	1.09	0.98	0.79	0.97	0.93	0.71	0.74	0.91
Price/Tangible Book Value Average	- -	- -	1.07	0.98	0.75	0.85	0.99	0.75	0.71	0.71
Price/Tangible Book Value High	- -	- -	1.14	1.02	0.91	0.97	2.07	0.88	0.75	0.93
Price/Tangible Book Value Low	- -	- -	0.93	0.97	0.67	0.67	0.92	0.63	0.65	0.65
Price/Sales	- -	- -	2.44	2.24	1.65	2	1.9	1.65	1.69	2.1
Price/Sales Average	- -	- -	2.39	2.26	1.57	1.76	2.02	1.72	1.61	1.64
Price/Sales High	- -	- -	2.56	2.34	1.91	2	4.21	2.03	1.7	2.13
Price/Sales Low	- -	- -	2.09	2.22	1.4	1.38	1.87	1.45	1.48	1.5
Price/Cash Flow	- -	- -	8.39	10.16	6.88	6.74	5.63	5.46	8.57	7.55
Price/Cash Flow Average	- -	- -	8.21	10.21	6.53	5.94	6	5.71	8.13	5.9
Price/Cash Flow High	- -	- -	8.81	10.61	7.98	6.74	12.48	6.72	8.62	7.68
Price/Cash Flow Low	- -	- -	7.16	10.05	5.83	4.63	5.54	4.81	7.5	5.41
Price/Free Cash Flow Average	- -	- -	7.64	6.97	6.36	5.18	5.61	5.47	7.71	5.63
Price/Free Cash Flow High	- -	- -	8.21	7.24	7.76	5.88	11.68	6.44	8.18	7.32
Price/Free Cash Flow Low	- -	- -	6.67	6.85	5.67	4.04	5.18	4.61	7.12	5.16
EV/Sales Average	1.25	0.71	3.2	3.67	2.19	2.8	2.63	1.6	- -	0.23
EV/Sales High	1.25	0.71	3.38	3.76	2.53	3.04	4.82	1.91	- -	0.72
EV/Sales Low	1.25	0.71	2.9	3.63	2.02	2.41	2.47	1.33	- -	0.09
EV/EBITDA Average	31.77	16.58	71.62	87.02	64.15	91.16	82.04	45.39	-12.78	7.8
EV/EBITDA High	31.77	16.58	75.55	89.1	74.3	98.92	150.39	54	-9.86	24.67
EV/EBITDA Low	31.77	16.58	64.84	86.14	59.21	78.55	77.18	37.7	-16.49	3.14
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	39.53	39.97	36	49.65	46.75	39	42.25	59
High Price	- -	- -	41.5	41.75	41.73	49.65	103.6	48	42.5	60
Enterprise Value Average	20	12	58	73	53	77	71	42	-12	7
Enterprise Value High	20	12	61	75	62	83	130	50	-9	22
Enterprise Value Low	20	12	52	72	49	66	67	35	-15	3

Shares Outstanding	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1
Revenue per Share	14.28	15.21	16.18	17.81	21.81	24.8	24.59	23.69	24.93	28.16
EBITDA per Share	0.56	0.65	0.72	0.75	0.74	0.76	0.79	0.84	0.83	0.82
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.73	3.07	3.7	3.61	4.31	6.68	5.76	5.12	5.55	8.01
Basic EPS from Cont Ops	2.73	3.09	3.71	3.63	4.33	6.7	5.77	5.14	5.57	8.02
Diluted EPS, GAAP	2.73	3.07	3.7	3.61	4.31	6.68	5.76	5.12	5.53	7.95
Diluted EPS from Cont Ops	2.73	3.09	3.71	3.63	4.33	6.7	5.77	5.14	5.54	7.97
Dividend per Share	0.4	0.44	0.49	0.39	0.52	0.55	0.63	0.71	0.79	0.91
Cash Flow per Share	3.19	3.13	4.71	3.93	5.23	7.37	8.3	7.15	4.93	7.81
Free Cash Flow per Basic Share	2.36	2.82	4.37	2.1	5.08	6.29	7.72	6.84	4.64	7.38
Cash & Equivalents per Share	52.52	57.09	58.82	62.2	79.08	70.49	64.48	68.36	110.61	45.36
Book Value per Share	32.35	35	38.11	41.21	45.01	51.79	57.04	61.39	66.26	73.15
Tangible Book Value per Share	31.4	33.34	36.25	40.9	45.83	51.24	50.07	54.75	56.72	64.82

SVB & T Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)