Third Century Bancorp Financial Ratios — TDCB Stock

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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 (%)	- -	2.36	2.19	5.37	9.31	11.15	14.32	11.62	13.84	16.53
Return on Assets (%)	- -	0.42	0.35	0.64	0.92	1.04	0.81	0.34	0.42	0.57
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	2.36	1.38	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	24.4	18.86	16.94	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	20.45	16.07	13.51	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-32.26	-112.44	-52.45	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	20.45	16.07	13.51	17.72	22.52	27.65	23.73	9.99	14.57	19.48
Profit Margin (%)	12.34	9.66	8.1	14.01	18.74	23.89	21.78	11.18	14.31	17.61
Net Income to Common Margin (%)	12.34	9.66	8.1	14.01	18.74	23.89	21.78	11.18	14.31	17.61
Effective Tax Rate (%)	39.69	39.89	40.01	20.91	16.76	13.59	8.19	- -	1.8	9.56
Dvd Payout Ratio (%)	9.74	44.61	778.53	24.96	25.31	12.99	20.65	52.25	13.28	15.52
Sustainable Growth Rate (%)	- -	1.31	-14.83	4.03	6.96	9.7	11.37	5.55	12	13.97

Credit (USD)

Credit Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	25	12	12	5	32	56	61	55
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	25	12	12	5	32	56	61	55
Total Debt/EBITDA	- -	- -	25.78	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-9.92	-7.73	15.83	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	32.32	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-11.84	-9.07	19.85	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	18.1	17.44	14.55	9.98	9.77	8.91	2.86	3.04	3.03	3.77
Long-Term Debt/Equity (%)	- -	- -	126.64	69.71	57.17	23.22	393.58	591.67	642.72	416.1
Long-Term Debt/Capital (%)	- -	- -	55.88	41.08	36.37	18.84	79.74	85.54	86.54	80.62
Long-Term Debt/Total Assets (%)	- -	- -	18.43	6.96	5.58	2.07	11.26	17.98	19.46	15.7
Total Debt/Equity (%)	- -	- -	126.64	69.71	57.17	23.22	393.58	591.67	642.72	416.1
Total Debt/Capital (%)	- -	- -	55.88	41.08	36.37	18.84	79.74	85.54	86.54	80.62
Total Debt/Total Assets (%)	- -	- -	18.43	6.96	5.58	2.07	11.26	17.98	19.46	15.7
Net Debt to Equity	-53.68	-36.03	77.77	-21.85	-23.87	-22.56	-46.71	-141.67	-97.28	-257.08
Net Debt/Capital (%)	-115.9	-56.32	43.75	-14.78	-17.91	-22.41	-10.45	-25.76	-15.07	-99.25
EBITDA	1	1	1	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	1	1	1	- -	- -	- -	-2	-2	- -	- -
Operating Income (Loss)	1	1	1	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	18.1	17.44	14.55	9.98	9.77	8.91	2.86	3.04	3.03	3.77
Long-Term Debt/Equity (%)	- -	- -	126.64	69.71	57.17	23.22	393.58	591.67	642.72	416.1
Long-Term Debt/Capital (%)	- -	- -	55.88	41.08	36.37	18.84	79.74	85.54	86.54	80.62
Long-Term Debt/Total Assets (%)	- -	- -	18.43	6.96	5.58	2.07	11.26	17.98	19.46	15.7
Total Debt/Equity (%)	- -	- -	126.64	69.71	57.17	23.22	393.58	591.67	642.72	416.1
Total Debt/Capital (%)	- -	- -	55.88	41.08	36.37	18.84	79.74	85.54	86.54	80.62
Total Debt/Total Assets (%)	- -	- -	18.43	6.96	5.58	2.07	11.26	17.98	19.46	15.7
CFO/Total Liabilities	0.5	1.05	1.05	0.53	0.44	0.32	1	0.47	0.88	0.71
CFO/CapEx	- -	- -	- -	1.91	6.86	11.01	1.1	0.77	12.17	12.02
Altman's Z-Score	0.24	0.24	0.22	0.09	0.09	0.09	0.09	0.09	0.1	0.1

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	17.54	22.06	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	20.81	16.55	- -	- -	- -	- -	- -	- -
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)

Enterprise Value API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	13	13	19	- -	- -	- -	- -	8	11	11
- Cash & Cash Equivalents	12	8	9	4	5	5	4	13	9	34
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	25	12	12	5	32	56	61	55
Enterprise Value	1	5	34	8	7	- -	28	51	62	32
Total Capital	23	22	44	30	32	27	40	66	70	68
Total Debt/Capital (%)	- -	- -	55.88	41.08	36.37	18.84	79.74	85.54	86.54	80.62
Total Debt / EV	- -	- -	0.73	1.46	1.72	34.94	1.13	1.1	0.98	1.72
EV/Sales	0.21	0.96	6	1.19	0.72	0.01	2.86	5.61	6.78	3
EV/EBITDA	0.86	5.11	35.4	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	1.03	6	44.39	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	2.05	4.8	28.15	9.97	8.11	0.2	10.18	36.12	23.35	13.31
EV/Free Cash Flow to Firm	2.05	4.8	28.15	6.55	7.08	0.19	5.34	15.74	21.58	12.29
Diluted Market Cap	13	12	17	14	18	21	11	8	11	- -
Diluted Enterprise Value	1	4	32	23	25	21	39	51	62	21
EV per Share	0.65	3.22	20.44	- -	- -	- -	- -	43.2	52.88	27.28
TTM Sales	5	6	6	7	9	10	10	9	9	11
TTM EBITDA	1	1	1	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	1	1	1	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	1	1	1	1	3	1	3	2
TTM Free Cash Flow to Firm	1	1	1	1	1	1	5	3	3	3

Multiples (USD)

Valuation Multiples API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	25.66	11.06	13.96	11	18.52	26.76	2.17	2.52	3.64	- -
EV/EBIT	1.03	6	44.39	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	1	5	34	8	7	- -	28	51	62	32
Low Price	10.9	12.2	10.55	10.75	8.5	14.1	8.6	6.05	6.14	8.01
EV/Sales	0.21	0.96	6	1.19	0.72	0.01	2.86	5.61	6.78	3
EV/EBITDA	0.86	5.11	35.4	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	21.33	22.95	36.66	14.23	10.07	8.75	5.3	8.05	8	- -
Price/Earnings Average	19.47	23.06	30.44	14.15	7.56	7.9	7.71	9.36	6.74	- -
Price/Earnings High	37.05	39.72	44.77	15.48	10.4	9	10.19	11.99	8.85	- -
Price/Earnings Low	28.85	34.61	34.23	12.8	5.7	7.05	4.7	6.91	5.44	- -
Price/Book Value	0.58	0.6	0.96	- -	- -	- -	- -	0.88	1.12	0.83
Price/Book Value Average	0.53	0.6	0.8	- -	- -	- -	- -	1.02	0.95	0.8
Price/Book Value High	1.01	1.04	1.17	- -	- -	- -	- -	1.31	1.24	0.98
Price/Book Value Low	0.79	0.9	0.9	- -	- -	- -	- -	0.75	0.76	0.71
Price/Tangible Book Value	0.58	0.6	0.96	- -	- -	- -	- -	0.88	1.12	0.83
Price/Tangible Book Value Average	0.53	0.6	0.8	- -	- -	- -	- -	1.02	0.95	0.8
Price/Tangible Book Value High	1.01	1.04	1.17	- -	- -	- -	- -	1.31	1.24	0.98
Price/Tangible Book Value Low	0.79	0.9	0.9	- -	- -	- -	- -	0.75	0.76	0.71
Price/Sales	2.63	2.22	2.97	1.99	1.89	2.09	1.15	0.9	1.14	- -
Price/Sales Average	2.4	2.23	2.47	1.98	1.42	1.89	1.68	1.05	0.96	- -
Price/Sales High	4.57	3.84	3.63	2.17	1.95	2.15	2.22	1.34	1.27	- -
Price/Sales Low	3.56	3.34	2.77	1.79	1.07	1.68	1.02	0.77	0.78	- -
Price/Cash Flow	25.66	11.06	13.94	16.74	21.22	28.99	4.1	5.79	3.94	- -
Price/Cash Flow Average	23.42	11.11	11.58	16.66	15.94	26.17	5.97	6.74	3.32	- -
Price/Cash Flow High	44.56	19.13	17.03	18.21	21.93	29.81	7.9	8.63	4.36	- -
Price/Cash Flow Low	34.7	16.67	13.02	15.06	12.03	23.35	3.64	4.97	2.68	- -
Price/Free Cash Flow Average	23.42	11.11	11.59	10.94	13.91	24.15	3.15	2.94	3.07	- -
Price/Free Cash Flow High	44.56	19.13	17.05	11.96	19.14	27.52	4.17	3.76	4.03	- -
Price/Free Cash Flow Low	34.7	16.67	13.03	9.89	10.5	21.56	1.92	2.17	2.48	- -
EV/Sales Average	0.02	0.98	5.43	1.19	0.72	0.01	2.86	5.76	6.6	2.96
EV/Sales High	2.15	2.73	6.73	1.19	0.72	0.01	2.86	6.06	6.91	3.18
EV/Sales Low	1.14	2.19	5.78	1.19	0.72	0.01	2.86	5.48	6.41	2.85
EV/EBITDA Average	-0.08	5.17	32.08	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	8.81	14.49	39.73	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	4.66	11.63	34.11	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-0.09	6.07	40.23	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	10.51	17	49.82	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	5.56	13.65	42.76	- -	- -	- -	- -	- -	- -	- -
Last Price	8.06	8.09	11.3	11.95	15	17.5	9.7	7.05	9.03	9.35
High Price	14	14	13.8	13	15.5	18	18.66	10.5	9.99	11
Enterprise Value Average	- -	5	31	8	7	- -	28	52	61	31
Enterprise Value High	11	15	38	8	7	- -	28	55	63	34
Enterprise Value Low	6	12	33	8	7	- -	28	50	59	30

Shares Outstanding	2	2	2	- -	- -	- -	- -	1	1	1
Diluted Weighted Avg Shares	2	2	1	1	1	1	1	1	1	- -
Basic Weighted Avg Shares	2	2	1	1	1	1	1	1	1	- -
Revenue per Share	3.06	3.65	3.8	5.99	7.95	8.37	8.41	7.84	7.89	- -
EBITDA per Share	0.75	0.69	0.64	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.63	0.59	0.51	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.38	0.35	0.31	0.84	1.49	2	1.83	0.88	1.13	- -
Basic EPS from Cont Ops	0.38	0.35	0.31	0.84	1.49	2	1.83	0.88	1.13	- -
Diluted EPS, GAAP	0.38	0.35	0.31	0.84	1.49	1.99	1.82	0.88	1.13	- -
Diluted EPS from Cont Ops	0.38	0.35	0.31	0.84	1.49	1.99	1.82	0.88	1.13	- -
Dividend per Share	0.04	0.16	2.4	0.21	0.38	0.26	0.38	0.46	0.15	- -
Cash Flow per Share	0.31	0.73	0.81	0.71	0.71	0.6	2.36	1.22	2.29	- -
Free Cash Flow per Basic Share	0.31	0.73	0.81	0.34	0.6	0.55	0.22	-0.36	2.1	- -
Cash & Equivalents per Share	7.41	4.87	5.74	- -	- -	- -	- -	11.38	7.82	28.98
Book Value per Share	13.81	13.52	11.75	- -	- -	- -	- -	8.03	8.04	11.27
Tangible Book Value per Share	13.81	13.52	11.75	- -	- -	- -	- -	8.03	8.04	11.27

Third Century Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)