Pathward Financial, Inc. Financial Ratios — FM7 Stock

Profitability (USD)

	2011 Y	2012 Y	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	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Return on Common Equity (%)	6.08	15.12	9.29	9.89	8.09	10.96	11.67	8.76	12.25	12.44	16.53	19.94	22.66	25.41	22.12
Return on Assets (%)	0.4	1.17	0.8	0.84	0.79	1.02	0.97	0.93	1.61	1.71	2.22	2.25	2.01	2.44	2.53
Return on Capital (%)	4.5	12.72	8.2	8.92	3.53	2.83	2.61	3.2	- -	7.56	14.41	18	20.96	19.17	17.35
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	12.06	31.18	22.55	22.56	19.25	26.38	24.39	20.86	21.65	25.95	30.78	34.77	25.82	33.75	33.11
Profit Margin (%)	6.77	19.92	17.67	19.04	17.9	22.57	19.86	18.76	21.44	23.63	27.88	29.15	23.85	28.29	27.59
Net Income to Common Margin (%)	6.77	19.92	17.67	19.04	17.9	22.57	19.86	18.76	21.44	23.63	27.88	29.15	23.85	28.29	27.59
Effective Tax Rate (%)	43.85	36.13	21.63	15.61	7.04	14.43	18.55	8.91	- -	4.92	6.84	14.53	6.18	15.6	16.26
Dvd Payout Ratio (%)	34.94	10.7	21.81	20.26	19.35	13.21	10.77	10.83	7.35	6.23	4.27	3.77	3.67	2.73	2.5
Sustainable Growth Rate (%)	3.96	13.5	7.26	7.89	6.53	9.51	10.42	7.81	11.35	11.66	15.82	19.19	21.83	24.72	21.57

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	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	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Total Debt	21	21	17	17	559	1,185	1,488	511	858	98	93	36	47	410	42
ST Debt	- -	- -	- -	- -	540	1,092	1,402	422	642	- -	- -	- -	13	377	9
LT Debt	21	21	17	17	19	92	86	89	216	98	93	36	34	33	33
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.32	8.85	8.45	8.51	10.73	8.36	8.31	12.75	13.58	13.85	13.01	9.56	8.25	10.92	11.96
Long-Term Debt/Equity (%)	26.45	14.61	12.11	9.9	7.17	27.6	19.69	11.9	25.57	11.59	10.65	5.58	5.48	4.06	3.9
Long-Term Debt/Capital (%)	20.92	12.75	10.8	9.01	2.34	6.08	4.45	7.07	12.68	10.39	9.62	5.29	5.09	2.71	3.72
Long-Term Debt/Total Assets (%)	1.67	1.29	1.02	0.84	0.77	2.31	1.64	1.52	3.49	1.61	1.39	0.53	0.45	0.44	0.47
Total Debt/Equity (%)	26.45	14.61	12.11	9.9	206.19	353.62	342.37	68.34	101.64	11.59	10.65	5.58	7.58	49.91	4.95
Total Debt/Capital (%)	20.92	12.75	10.8	9.01	67.34	77.96	77.39	40.6	50.41	10.39	9.62	5.29	7.05	33.29	4.72
Total Debt/Total Assets (%)	1.67	1.29	1.02	0.84	22.12	29.57	28.45	8.76	13.87	1.61	1.39	0.53	0.62	5.45	0.59
Net Debt to Equity	-317.19	-84.84	-15.91	-7.16	195.2	122.01	50.19	54.72	84.45	-40.12	-25.37	-54.56	-53.16	30.65	-9.11
Net Debt/Capital (%)	146.04	-559.46	-18.92	-7.72	65.95	54.81	33.32	35.31	45.25	-65.6	-33.99	-120.09	-113.49	23.46	-10.02
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	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	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.32	8.85	8.45	8.51	10.73	8.36	8.31	12.75	13.58	13.85	13.01	9.56	8.25	10.92	11.96
Long-Term Debt/Equity (%)	26.45	14.61	12.11	9.9	7.17	27.6	19.69	11.9	25.57	11.59	10.65	5.58	5.48	4.06	3.9
Long-Term Debt/Capital (%)	20.92	12.75	10.8	9.01	2.34	6.08	4.45	7.07	12.68	10.39	9.62	5.29	5.09	2.71	3.72
Long-Term Debt/Total Assets (%)	1.67	1.29	1.02	0.84	0.77	2.31	1.64	1.52	3.49	1.61	1.39	0.53	0.45	0.44	0.47
Total Debt/Equity (%)	26.45	14.61	12.11	9.9	206.19	353.62	342.37	68.34	101.64	11.59	10.65	5.58	7.58	49.91	4.95
Total Debt/Capital (%)	20.92	12.75	10.8	9.01	67.34	77.96	77.39	40.6	50.41	10.39	9.62	5.29	7.05	33.29	4.72
Total Debt/Total Assets (%)	1.67	1.29	1.02	0.84	22.12	29.57	28.45	8.76	13.87	1.61	1.39	0.53	0.62	5.45	0.59
CFO/Total Liabilities	1.83	5.32	-1.49	1.37	2.18	2.14	2.5	2.71	3.58	8.91	10	4.75	4.76	7.28	7.14
CFO/CapEx	11.93	19.38	-4.38	11.08	9.78	11.25	17.65	5.43	1.21	7.09	9.08	0.66	0.73	1.77	2.11
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	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	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Accounts Receivable Turnover	5.56	7.08	6.13	6.01	5.96	8.2	12.36	13.3	21.33	23.94	30.91	30.29	29.11	23.7	19.27
Days Sales Outstanding	65.67	51.57	59.51	60.7	61.23	44.51	29.52	27.45	17.11	15.25	11.81	12.05	12.54	15.4	18.94
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

	2011 Y	2012 Y	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	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	661	1,665	948	1,213	1,647	1,684
- Cash & Cash Equivalents	277	145	40	30	28	774	1,268	100	127	427	314	388	376	158	121
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	4	4	4	1	- -	-1	- -	-1
+ Total Debt	21	21	17	17	559	1,185	1,488	511	858	98	93	36	47	410	42
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-479	-420	-1,287	-921	157	632
Total Capital	102	167	160	192	831	1,520	1,922	1,259	1,702	946	965	681	665	1,233	900
Total Debt/Capital (%)	20.92	12.75	10.8	9.01	67.34	77.96	77.39	40.6	50.41	10.39	9.62	5.29	7.05	33.29	4.72
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.2	-0.22	-0.03	-0.05	2.61	0.07
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.24	0.94
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.32	1.4
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.74	2.67
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	686	1,669	962	1,247	1,670	1,739
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-454	-416	-1,272	-887	181	688
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.32	27.76
TTM Sales	69	86	76	83	101	147	226	275	452	443	508	519	601	648	674
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	22	80	-23	26	49	78	120	138	- -	467	582	290	328	489	451
TTM Free Cash Flow to Firm	20	76	-28	23	44	72	113	112	- -	401	518	-149	-122	212	237

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	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	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.71	3.22	-6.47	-10.22	7.88	7.35
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-479	-420	-1,287	-921	157	632
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.97	19.75	32.17	33.4	42.49	64.64
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.24	0.94
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.55	11.77	6.37	8.68	9.1	9.31
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.64	9.68	9.44	8.58	7.48	9.68
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.52	12.11	12.75	10.7	9.51	10.72
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.75	4.42	6.22	6.26	5.84	8.14
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.78	1.91	1.47	1.96	2	1.96
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.03	1.57	2.18	1.94	1.65	2.04
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.62	1.97	2.94	2.41	2.09	2.26
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.57	0.72	1.44	1.41	1.28	1.72
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.34	3.15	3.06	4.2	3.32	3.07
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.77	2.59	4.54	4.15	2.73	3.2
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.77	3.24	6.12	5.17	3.47	3.54
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.97	1.18	2.99	3.02	2.13	2.69
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.55	3.28	1.86	2.07	2.58	2.57
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.04	2.7	2.75	2.05	2.12	2.67
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.19	3.38	3.72	2.55	2.69	2.96
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.12	1.23	1.81	1.49	1.65	2.25
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.47	2.87	3.32	3.79	3.41	3.84
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.94	2.36	4.92	3.75	2.8	3.99
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.03	2.95	6.65	4.67	3.56	4.42
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.07	1.08	3.24	2.73	2.19	3.36
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.25	2.65	-9.59	-10.11	6.47	7.65
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.53	3.32	-12.95	-12.61	8.23	8.47
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.24	1.21	-6.32	-7.37	5.05	6.43
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.04
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.51	- -	- -	- -	0.36	1.32
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.62
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.23	52.57	32.93	46.32	66.27	73.94
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	39.72	54.07	65.95	57.11	69.23	85.16
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-268	-715	-829	-934	-136	700
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	225	-373	-336	-638	231	887
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-660	-1,460	-1,309	-1,259	-434	420

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	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	09/30/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021	09/30/2022	09/30/2023	09/30/2024	09/30/2025

Shares Outstanding	9	16	18	19	24	26	29	39	38	34	32	29	26	25	23
Diluted Weighted Avg Shares	9	10	17	19	20	25	28	31	39	36	32	29	27	25	24
Basic Weighted Avg Shares	9	10	17	18	20	25	28	31	39	36	32	29	27	25	23
Revenue per Share	7.33	8.28	4.53	4.5	4.99	5.83	8.15	8.95	11.64	12.43	16.02	17.74	22.38	25.73	28.79
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.5	1.65	0.8	0.86	0.89	1.32	1.62	1.68	2.49	2.94	4.47	5.17	5.34	7.28	7.94
Basic EPS from Cont Ops	0.5	1.65	0.8	0.86	0.89	1.32	1.62	1.7	2.61	3.07	4.59	5.27	5.42	7.33	7.98
Diluted EPS, GAAP	0.5	1.64	0.8	0.85	0.89	1.31	1.61	1.67	2.49	2.94	4.46	5.17	5.32	7.27	7.9
Diluted EPS from Cont Ops	0.5	1.64	0.8	0.85	0.89	1.31	1.61	1.69	2.6	3.07	4.59	5.27	5.4	7.32	7.94
Dividend per Share	0.17	0.18	0.17	0.17	0.17	0.17	0.17	0.19	0.2	0.2	0.2	0.2	0.2	0.2	0.2
Cash Flow per Share	2.34	7.7	-1.38	1.41	2.44	3.11	4.33	4.48	4.91	13.11	18.33	9.92	12.22	19.42	19.26
Free Cash Flow per Basic Share	2.14	7.31	-1.69	1.28	2.19	2.83	4.08	3.66	0.84	11.26	16.31	-5.09	-4.55	8.42	10.11
Cash & Equivalents per Share	29.33	35.53	18.66	27.67	28.88	65.86	82.26	40.45	26.89	36.14	68.8	78.88	83.25	76.45	48.02
Book Value per Share	8.54	8.93	7.85	9.44	11.08	13.1	15.05	19	22.22	24.55	27.49	22.41	23.65	33.1	37.68
Tangible Book Value per Share	8.4	8.81	7.72	9.3	8.2	10.52	9.82	9.45	12.63	14.33	16.67	10.77	11.04	19.98	24.05