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
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)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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)

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	2016 Y	2017 Y	2018 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	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	0.22

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	44	45	40	55	51	43	46	- -
- 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	-50
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	- -	- -	- -
EV/EBITDA	- -	- -	4.04	17.89	- -	19.81	11.11	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.62	3.42	- -	2.05	1.05	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	0.58	2.33	- -	1.79	0.99	- -	- -	- -
Diluted Market Cap	- -	- -	44	45	40	55	51	43	47	- -
Diluted Enterprise Value	20	12	59	73	55	83	68	40	-9	-44
EV per Share	- -	- -	2.93	13.44	- -	15.09	8.75	- -	- -	- -
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)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	7.82	6.93	6.69	5.88	5.27	5.23	8.13	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-29	-40	3	15	-6	17	10	-22	-75	-50
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	- -	- -	- -
EV/EBITDA	- -	- -	4.04	17.89	- -	19.81	11.11	- -	- -	- -
Price/Earnings	- -	- -	10.69	11.06	8.34	7.43	8.12	7.61	7.61	- -
Price/Earnings Average	- -	- -	10.45	11.12	7.92	6.55	8.64	7.96	7.21	- -
Price/Earnings High	- -	- -	11.22	11.56	9.67	7.43	17.99	9.37	7.65	- -
Price/Earnings Low	- -	- -	9.13	10.94	7.07	5.11	7.98	6.7	6.66	- -
Price/Book Value	- -	- -	1.04	0.97	0.8	0.96	0.82	0.64	0.64	- -
Price/Book Value Average	- -	- -	1.01	0.98	0.76	0.84	0.87	0.66	0.6	- -
Price/Book Value High	- -	- -	1.09	1.01	0.93	0.96	1.82	0.78	0.64	- -
Price/Book Value Low	- -	- -	0.89	0.96	0.68	0.66	0.81	0.56	0.56	- -
Price/Tangible Book Value	- -	- -	1.09	0.98	0.79	0.97	0.93	0.71	0.74	- -
Price/Tangible Book Value Average	- -	- -	1.07	0.98	0.75	0.85	0.99	0.75	0.71	- -
Price/Tangible Book Value High	- -	- -	1.14	1.02	0.91	0.97	2.07	0.88	0.75	- -
Price/Tangible Book Value Low	- -	- -	0.93	0.97	0.67	0.67	0.92	0.63	0.65	- -
Price/Sales	- -	- -	2.44	2.24	1.65	2	1.9	1.65	1.69	- -
Price/Sales Average	- -	- -	2.39	2.26	1.57	1.76	2.02	1.72	1.61	- -
Price/Sales High	- -	- -	2.56	2.34	1.91	2	4.21	2.03	1.7	- -
Price/Sales Low	- -	- -	2.09	2.22	1.4	1.38	1.87	1.45	1.48	- -
Price/Cash Flow	- -	- -	8.39	10.16	6.88	6.74	5.63	5.46	8.57	- -
Price/Cash Flow Average	- -	- -	8.21	10.21	6.53	5.94	6	5.71	8.13	- -
Price/Cash Flow High	- -	- -	8.81	10.61	7.98	6.74	12.48	6.72	8.62	- -
Price/Cash Flow Low	- -	- -	7.16	10.05	5.83	4.63	5.54	4.81	7.5	- -
Price/Free Cash Flow Average	- -	- -	7.64	6.97	6.36	5.18	5.61	5.47	7.71	- -
Price/Free Cash Flow High	- -	- -	8.21	7.24	7.76	5.88	11.68	6.44	8.18	- -
Price/Free Cash Flow Low	- -	- -	6.67	6.85	5.67	4.04	5.18	4.61	7.12	- -
EV/Sales Average	1.25	0.71	3.2	3.67	2.19	2.8	2.63	1.6	- -	- -
EV/Sales High	1.25	0.71	3.38	3.76	2.53	3.04	4.82	1.91	- -	- -
EV/Sales Low	1.25	0.71	2.9	3.63	2.02	2.41	2.47	1.33	- -	- -
EV/EBITDA Average	31.77	16.58	71.62	87.02	64.15	91.16	82.04	45.39	-12.78	-48.09
EV/EBITDA High	31.77	16.58	75.55	89.1	74.3	98.92	150.39	54	-9.86	-48.09
EV/EBITDA Low	31.77	16.58	64.84	86.14	59.21	78.55	77.18	37.7	-16.49	-48.09
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	-44
Enterprise Value High	20	12	61	75	62	83	130	50	-9	-44
Enterprise Value Low	20	12	52	72	49	66	67	35	-15	-44

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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	- -
Basic Weighted Avg Shares	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	- -
EBITDA per Share	0.56	0.65	0.72	0.75	0.74	0.76	0.79	0.84	0.83	- -
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	- -
Basic EPS from Cont Ops	2.73	3.09	3.71	3.63	4.33	6.7	5.77	5.14	5.57	- -
Diluted EPS, GAAP	2.73	3.07	3.7	3.61	4.31	6.68	5.76	5.12	5.53	- -
Diluted EPS from Cont Ops	2.73	3.09	3.71	3.63	4.33	6.7	5.77	5.14	5.54	- -
Dividend per Share	0.4	0.44	0.49	0.39	0.52	0.55	0.63	0.71	0.79	- -
Cash Flow per Share	3.19	3.13	4.71	3.93	5.23	7.37	8.3	7.15	4.93	- -
Free Cash Flow per Basic Share	2.36	2.82	4.37	2.1	5.08	6.29	7.72	6.84	4.64	- -
Cash & Equivalents per Share	52.52	57.09	58.82	62.2	79.08	70.49	64.48	68.36	110.61	- -
Book Value per Share	32.35	35	38.11	41.21	45.01	51.79	57.04	61.39	66.26	- -
Tangible Book Value per Share	31.4	33.34	36.25	40.9	45.83	51.24	50.07	54.75	56.72	- -

SVB & T Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)