Town Center Bank Financial Ratios — TCNB Stock

Profitability (USD)

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	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 (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	- -	0.37	0.07	0.7	0.16	1.71	2.13	0.55	1.05	0.19	0.75	0.96	0.9
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	3.72	0.67	6.62	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-3.05	13.23	5.41	23.79	3.3	3.17	3.16	1.97	1.17	0.92	1.04	0.9	0.84
Operating Margin (%)	-6.49	10.07	2.15	19.67	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	152.84	147.06	4,776.92	-228.52	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-6.49	10.07	2.15	19.67	3.92	11.07	8.73	20.56	34.13	6.72	25	31.15	31.46
Profit Margin (%)	-6.49	10.07	2.15	19.67	3.92	42.08	54.5	14.17	24.43	4.67	17.43	21.76	21.97
Net Income to Common Margin (%)	-6.49	10.07	2.15	19.67	3.92	42.08	54.5	14.17	24.43	4.67	17.43	21.76	21.97
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	31.06	28.44	30.42	30.26	30.15	30.15
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	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	- -	2	2	- -	3	3	5	8	6	- -	20	20	23
ST Debt	- -	- -	- -	- -	- -	2	4	8	6	- -	- -	- -	- -
LT Debt	- -	2	2	- -	3	1	1	- -	- -	- -	20	20	23
Total Debt/EBITDA	- -	4.05	10.47	- -	23.62	23.08	40.32	76.76	84.29	6.19	317.94	323.06	389.83
Net Debt/EBITDA	72.16	-16.04	-27.82	-5.61	-9.32	-2.24	19.25	-99.67	-134.56	-272.37	17.94	26.11	-14.49
Total Debt/EBIT	- -	5.32	26.32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	33.92	-21.08	-69.91	-6.78	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-12.94	-10.39	-10.95	-11.36	-10.72	-8.5	-6.18	-3.76	-2.85	-4.69	-3.56	-2.27	-1.23
Long-Term Debt/Equity (%)	- -	21.03	21.47	- -	30.71	8.79	8.73	1.66	2.97	2.05	118.33	107.65	112.52
Long-Term Debt/Capital (%)	- -	-21.09	-21.26	- -	-39.69	-17.15	-91.93	13.39	21.92	-5.38	135.53	123.09	110.61
Long-Term Debt/Total Assets (%)	- -	1.81	1.92	- -	3.05	0.96	1.16	0.16	0.33	0.24	13.57	12.12	12.82
Total Debt/Equity (%)	- -	21.03	21.47	- -	30.71	26.37	36.87	50.94	39.37	2.05	118.33	107.65	112.52
Total Debt/Capital (%)	- -	-21.09	-21.26	- -	-39.69	-51.44	-388.22	410.21	290.38	-5.38	135.53	123.09	110.61
Total Debt/Total Assets (%)	- -	1.81	1.92	- -	3.05	2.89	4.91	4.97	4.35	0.24	13.57	12.12	12.82
Net Debt to Equity	-84.59	-83.33	-57.04	-48.55	-12.12	-2.56	17.6	-66.14	-62.85	-90.37	6.68	8.7	-4.18
Net Debt/Capital (%)	38.3	40.84	31.78	30.63	10.08	3.19	-65.02	64.22	54.17	70.31	-27.42	-75.72	27.92
EBITDA	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	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	-12.94	-10.39	-10.95	-11.36	-10.72	-8.5	-6.18	-3.76	-2.85	-4.69	-3.56	-2.27	-1.23
Long-Term Debt/Equity (%)	- -	21.03	21.47	- -	30.71	8.79	8.73	1.66	2.97	2.05	118.33	107.65	112.52
Long-Term Debt/Capital (%)	- -	-21.09	-21.26	- -	-39.69	-17.15	-91.93	13.39	21.92	-5.38	135.53	123.09	110.61
Long-Term Debt/Total Assets (%)	- -	1.81	1.92	- -	3.05	0.96	1.16	0.16	0.33	0.24	13.57	12.12	12.82
Total Debt/Equity (%)	- -	21.03	21.47	- -	30.71	26.37	36.87	50.94	39.37	2.05	118.33	107.65	112.52
Total Debt/Capital (%)	- -	-21.09	-21.26	- -	-39.69	-51.44	-388.22	410.21	290.38	-5.38	135.53	123.09	110.61
Total Debt/Total Assets (%)	- -	1.81	1.92	- -	3.05	2.89	4.91	4.97	4.35	0.24	13.57	12.12	12.82
CFO/Total Liabilities	-0.02	0.46	0.39	0.72	0.67	0.71	0.62	1.03	1.89	0.26	1.6	1.5	1.34
CFO/CapEx	-0.62	9.89	3.94	5.6	6.99	20.62	4.88	90.81	104.5	3.64	28.18	- -	- -
Altman's Z-Score	-0.16	-0.1	-0.11	-0.08	-0.09	-0.06	-0.03	-0.01	0.02	0.01	0.04	0.07	0.07

Working Capital (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	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	- -	6.85	6.87	7.77	8.79	8.32	8.3	9.07	11.19	10.05	20.44	- -	- -
Days Sales Outstanding	- -	53.27	53.15	46.98	41.55	43.87	43.98	40.25	32.63	36.33	17.86	- -	- -
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

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	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	4	5	6	7	8	8	8	7	9	7	11	14	14
- Cash & Cash Equivalents	7	10	7	5	4	3	2	18	21	14	19	18	24
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	2	2	- -	3	3	5	8	6	- -	20	20	23
Enterprise Value	-3	-3	-32	-29	-18	-15	-6	-17	-19	-34	11	4	7
Total Capital	-12	-9	-9	-11	-8	-6	-1	2	2	-6	15	16	21
Total Debt/Capital (%)	- -	-21.09	-21.26	- -	-39.69	-51.44	-388.22	410.21	290.38	-5.38	135.53	123.09	110.61
Total Debt / EV	- -	-0.65	-0.06	- -	-0.17	-0.19	-0.83	-0.46	-0.34	-0.01	1.78	4.66	3.2
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.86	0.63	1.02
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	178.27	69.34	121.69
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.39	1.95	3.37
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.2	1.95	3.37
Diluted Market Cap	4	5	6	7	8	8	8	7	9	7	11	14	14
Diluted Enterprise Value	-3	-3	1	3	7	7	11	-3	-6	-7	12	16	13
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.81	1.84	3.08
TTM Sales	3	4	4	4	4	4	4	5	7	6	6	7	7
TTM EBITDA	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	1	1	1	1	1	3	- -	2	2	2
TTM Free Cash Flow to Firm	- -	1	- -	1	1	1	1	1	3	- -	2	2	2

Multiples (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	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	538.98	9.43	12.44	10.15	12.03	11.13	11.37	4.8	3.55	18.36	5.13	6.31	6.58
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-3	-3	-32	-29	-18	-15	-6	-17	-19	-34	11	4	7
Low Price	1.85	1.4	2.01	2.5	3.05	3.2	3.05	2.45	2.56	2.73	3.1	4.78	5.4
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.86	0.63	1.02
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	178.27	69.34	121.69
Price/Earnings	- -	12.85	76.77	10.38	54.09	4.46	3.52	9.68	5.59	27.51	10.55	9.29	9.03
Price/Earnings Average	-21.65	12.01	72.92	9.54	51.72	5.26	3.4	9.79	5.21	32.62	8.7	8.86	9.01
Price/Earnings High	-25.24	14.28	91.81	10.55	54.09	5.71	3.64	12.18	5.81	39.93	12.21	9.92	9.29
Price/Earnings Low	-19.87	8.69	61.72	8.37	47.14	4.33	3.18	7.85	3.72	24.22	6.88	7.47	8.13
Price/Book Value	-0.36	-0.42	-0.51	-0.68	-0.77	-0.87	-1.2	-1.2	-2.11	-1.15	-2.11	-3.7	-6.34
Price/Book Value Average	-0.4	-0.39	-0.49	-0.62	-0.74	-1.03	-1.16	-1.22	-1.97	-1.36	-1.74	-3.52	-6.33
Price/Book Value High	-0.46	-0.47	-0.61	-0.69	-0.77	-1.12	-1.24	-1.51	-2.19	-1.67	-2.44	-3.94	-6.52
Price/Book Value Low	-0.36	-0.28	-0.41	-0.54	-0.67	-0.85	-1.08	-0.98	-1.4	-1.01	-1.38	-2.97	-5.71
Price/Tangible Book Value	0.5	0.51	0.63	0.74	0.84	0.68	0.55	0.46	0.55	0.46	0.65	0.75	0.69
Price/Tangible Book Value Average	0.54	0.48	0.59	0.68	0.8	0.8	0.54	0.47	0.51	0.55	0.54	0.71	0.68
Price/Tangible Book Value High	0.63	0.56	0.75	0.75	0.84	0.87	0.57	0.58	0.57	0.67	0.76	0.8	0.7
Price/Tangible Book Value Low	0.5	0.34	0.5	0.6	0.73	0.66	0.5	0.38	0.36	0.41	0.43	0.6	0.62
Price/Sales	1.29	1.29	1.65	2.04	2.12	1.88	1.92	1.37	1.36	1.29	1.84	2.02	1.98
Price/Sales Average	1.4	1.21	1.57	1.88	2.03	2.21	1.85	1.39	1.27	1.52	1.52	1.93	1.98
Price/Sales High	1.64	1.44	1.98	2.07	2.12	2.4	1.99	1.73	1.42	1.87	2.13	2.16	2.04
Price/Sales Low	1.29	0.87	1.33	1.65	1.85	1.82	1.73	1.11	0.91	1.13	1.2	1.62	1.79
Price/Cash Flow	-331.68	10.39	15.6	11.96	13.75	11.67	13.69	4.85	3.58	23.41	5.32	6.31	6.58
Price/Cash Flow Average	-361.38	9.72	14.82	10.99	13.15	13.76	13.24	4.9	3.34	27.76	4.39	6.02	6.56
Price/Cash Flow High	-421.32	11.54	18.66	12.15	13.75	14.92	14.18	6.1	3.72	33.99	6.16	6.73	6.76
Price/Cash Flow Low	-331.68	7.03	12.54	9.64	11.98	11.31	12.36	3.93	2.38	20.62	3.47	5.07	5.92
Price/Free Cash Flow Average	587.24	8.82	11.82	9.33	11.5	13.12	10.99	4.85	3.31	21.77	4.24	6.02	6.56
Price/Free Cash Flow High	684.64	10.48	14.88	10.31	12.03	14.23	11.77	6.04	3.69	26.65	5.94	6.73	6.76
Price/Free Cash Flow Low	538.98	6.38	10	8.18	10.48	10.79	10.26	3.89	2.36	16.17	3.35	5.07	5.92
EV/Sales Average	- -	- -	0.06	0.54	1.72	2.14	2.52	- -	- -	- -	1.7	2.16	1.86
EV/Sales High	- -	- -	0.47	0.74	1.81	2.33	2.65	- -	- -	- -	2.32	2.39	1.92
EV/Sales Low	- -	- -	- -	0.31	1.54	1.75	2.4	- -	- -	- -	1.39	1.86	1.67
EV/EBITDA Average	26.1	-6.9	1.2	2.28	52.17	67.6	79.76	-26.61	-84.4	-101.21	163.11	239.69	222.11
EV/EBITDA High	18.46	-5.18	8.72	3.11	54.99	73.52	83.93	-9.37	-71.9	-64.22	221.67	265.12	229.55
EV/EBITDA Low	29.88	-9.43	-3.26	1.31	46.72	55.21	75.85	-40.56	-115.54	-143.66	132.77	206.03	199.1
EV/EBIT Average	12.27	-9.06	3.02	2.76	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	8.68	-6.8	21.9	3.76	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	14.05	-12.39	-8.19	1.59	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	1.85	2.07	2.5	3.1	3.5	3.3	3.38	3.02	3.85	3.1	4.75	5.95	6
High Price	2.35	2.3	2.99	3.15	3.5	4.22	3.5	3.8	4	4.5	5.5	6.35	6.17
Enterprise Value Average	-3	-3	- -	2	7	9	10	-3	-6	-5	10	15	13
Enterprise Value High	-2	-3	2	3	7	10	11	-1	-6	-3	14	16	14
Enterprise Value Low	-3	-5	-1	1	6	7	10	-4	-9	-7	8	13	12

Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2
Revenue per Share	1.44	1.6	1.51	1.52	1.65	1.76	1.76	2.2	2.82	2.41	2.58	2.94	3.02
EBITDA per Share	-0.04	0.21	0.08	0.36	0.05	0.06	0.06	0.04	0.03	0.02	0.03	0.03	0.03
Operating Income per Share	-0.09	0.16	0.03	0.3	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.09	0.16	0.03	0.3	0.06	0.74	0.96	0.31	0.69	0.11	0.45	0.64	0.66
Basic EPS from Cont Ops	-0.09	0.16	0.03	0.3	0.06	0.74	0.96	0.31	0.69	0.11	0.45	0.64	0.66
Diluted EPS, GAAP	-0.09	0.16	0.03	0.3	0.06	0.74	0.96	0.31	0.69	0.11	0.45	0.64	0.66
Diluted EPS from Cont Ops	-0.09	0.16	0.03	0.3	0.06	0.74	0.96	0.31	0.69	0.11	0.45	0.64	0.66
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.01	0.2	0.16	0.26	0.25	0.28	0.25	0.62	1.07	0.13	0.89	0.94	0.91
Free Cash Flow per Basic Share	-0.01	0.18	0.12	0.21	0.22	0.27	0.2	0.62	1.06	0.1	0.86	0.94	0.91
Cash & Equivalents per Share	3.16	4.25	17.16	15.35	12.57	11.21	8.32	13.61	14.75	17.99	8.52	12.69	12.78
Book Value per Share	-5.09	-4.92	-4.89	-4.59	-4.52	-3.78	-2.82	-2.51	-1.82	-2.7	-2.25	-1.61	-0.95
Tangible Book Value per Share	3.73	4.08	3.99	4.17	4.19	4.88	6.09	6.52	7.06	6.72	7.25	7.97	8.76

Town Center Bank

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)