Touchmark Bancshares, Inc. Financial Ratios — TMAK Stock

Profitability (USD)

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	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 (%)	- -	- -	- -	- -	- -	- -	- -	102.35	55.13	63.14	32.77	36.25	15.02	8.69
Return on Assets (%)	- -	-8.54	-2.91	-2.94	0.05	- -	1.36	1.28	1.13	1.96	1.54	1.84	0.76	0.5
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	100	100	100	100	- -	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	-158.21	-62.79	-53.69	10.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	-165.43	-68.65	-59.62	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	-419.75	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	- -	- -	- -	- -	- -	47.66	45.64	37.51	57.34	52.16	63.19	31.52	24.87
Profit Margin (%)	- -	-165.43	-68.65	-59.62	1.17	- -	35.73	34.88	28.88	43.91	39.41	48.37	24.21	19.58
Net Income to Common Margin (%)	- -	-165.43	-68.65	-59.62	1.17	- -	35.73	34.88	28.88	43.91	39.41	48.37	24.21	19.58
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	25.04	23.57	23.01	23.42	24.43	23.45	23.2	21.29
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	14.17	25.91	28.46	18.83	38.1	30.79	77.8	134.27
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	75.83	39.44	51.25	20.29	25.09	3.34	-2.98

Credit (USD)

API ChatGPT

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	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	3	11	24	13	12	28	20	16	9	- -	- -	- -	- -	- -
ST Debt	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	2	11	24	13	12	28	20	16	9	- -	- -	- -	- -	- -
Total Debt/EBITDA	49.15	-3.77	-8.96	-3.7	20.07	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	49.15	-2.08	-7.17	-2.66	5.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	-3.6	-8.19	-3.34	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-1.99	-6.56	-2.4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-47.65	-6.34	-5.75	-7.9	-8.59	-0.23	0.78	1.72	2.37	3.85	5.77	4.64	5.62	5.88
Long-Term Debt/Equity (%)	- -	36.21	83.56	55.65	49.55	60.64	41.5	28.79	15.7	- -	0.25	0.11	- -	0.31
Long-Term Debt/Capital (%)	149.53	165.62	145.1	683.15	1,130.06	103.29	86.71	68.94	47.04	- -	0.81	0.31	- -	0.89
Long-Term Debt/Total Assets (%)	84.2	16.01	18.51	9.26	9.43	7.18	5.07	3.81	2.1	- -	0.05	0.01	- -	0.05
Total Debt/Equity (%)	-225.17	36.21	83.56	55.65	49.55	60.64	41.5	28.79	15.7	- -	0.25	0.11	- -	0.31
Total Debt/Capital (%)	184.62	165.62	145.1	683.15	1,130.06	103.29	86.71	68.94	47.04	- -	0.81	0.31	- -	0.89
Total Debt/Total Assets (%)	103.97	16.01	18.51	9.26	9.43	7.18	5.07	3.81	2.1	- -	0.05	0.01	- -	0.05
Net Debt to Equity	-225.17	20	66.9	39.98	12.93	-8.39	-39.52	-47.94	-61.86	-166.52	-36.81	-67.82	-59.64	-92.57
Net Debt/Capital (%)	184.62	353.6	163.46	-531.3	-40.1	-16.69	-473.02	776.19	217.25	118.22	558.06	205.45	246.46	160.66
EBITDA	- -	-3	-3	-4	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-3	-4	-5	-4	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	-3	-3	-4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	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	-47.65	-6.34	-5.75	-7.9	-8.59	-0.23	0.78	1.72	2.37	3.85	5.77	4.64	5.62	5.88
Long-Term Debt/Equity (%)	- -	36.21	83.56	55.65	49.55	60.64	41.5	28.79	15.7	- -	0.25	0.11	- -	0.31
Long-Term Debt/Capital (%)	149.53	165.62	145.1	683.15	1,130.06	103.29	86.71	68.94	47.04	- -	0.81	0.31	- -	0.89
Long-Term Debt/Total Assets (%)	84.2	16.01	18.51	9.26	9.43	7.18	5.07	3.81	2.1	- -	0.05	0.01	- -	0.05
Total Debt/Equity (%)	-225.17	36.21	83.56	55.65	49.55	60.64	41.5	28.79	15.7	- -	0.25	0.11	- -	0.31
Total Debt/Capital (%)	184.62	165.62	145.1	683.15	1,130.06	103.29	86.71	68.94	47.04	- -	0.81	0.31	- -	0.89
Total Debt/Total Assets (%)	103.97	16.01	18.51	9.26	9.43	7.18	5.07	3.81	2.1	- -	0.05	0.01	- -	0.05
CFO/Total Liabilities	-32.79	-3.65	-3.85	0.99	0.51	- -	2.12	1.2	1.11	1.94	2.75	3.11	2.34	2.2
CFO/CapEx	-0.52	-1.07	-2.08	72.34	21.91	- -	67.92	70.35	83.58	395.75	137.22	368.28	370.5	61.16
Altman's Z-Score	-0.67	-0.21	-0.12	-0.16	-0.08	- -	0.11	0.13	0.12	0.18	0.23	0.16	0.17	0.19

Working Capital (USD)

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	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	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	- -	8.88	8.73	11.42	10.8	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	41.11	41.81	31.95	33.8	- -	- -	- -	- -	- -	- -	- -	- -	- -
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

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	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	- -	- -	- -	- -	- -	- -	35	42	33	49	46	45	37	45
- Cash & Cash Equivalents	- -	5	5	4	9	4	20	26	35	105	24	48	43	66
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	3	11	24	13	12	28	20	16	9	- -	- -	- -	- -	- -
Enterprise Value	3	6	19	10	3	24	36	31	6	-56	22	-3	-5	-21
Total Capital	2	7	16	2	1	27	24	22	19	16	20	25	25	25
Total Debt/Capital (%)	184.62	165.62	145.1	683.15	1,130.06	103.29	86.71	68.94	47.04	- -	0.81	0.31	- -	0.89
Total Debt / EV	1	1.81	1.25	1.39	3.83	1.16	0.57	0.49	1.45	- -	0.01	-0.03	- -	-0.01
EV/Sales	- -	3.29	4.5	1.43	0.56	- -	2.41	2.11	0.38	- -	1.49	- -	- -	- -
EV/EBITDA	49.15	- -	- -	- -	5.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	4.78	7.41	1.51	- -	2.93	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	4.72	7.31	1.49	- -	2.91	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	35	42	33	49	46	45	37	45
Diluted Enterprise Value	3	6	19	10	3	24	36	31	6	-56	22	-3	-5	-21
EV per Share	0.95	1.98	5.52	2.78	0.94	- -	8.07	7	1.39	- -	4.95	- -	- -	- -
TTM Sales	- -	2	4	7	6	- -	15	15	16	19	15	17	15	11
TTM EBITDA	- -	-3	-3	-4	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	-3	-3	-4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	8	4	4	7	8	14	9	8
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	8	4	4	7	8	14	9	8

Multiples (USD)

API ChatGPT

	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2007	12/31/2008	12/31/2009	12/31/2010	12/31/2011	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	- -	- -	- -	- -	- -	- -	4.59	9.71	7.83	7.05	6.06	3.16	4.17	5.77
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	3	6	19	10	3	24	36	31	6	-56	22	-3	-5	-21
Low Price	- -	- -	- -	- -	- -	7.55	7.8	7.85	5.5	7.35	10.3	9.45	7.67	8.25
EV/Sales	- -	3.29	4.5	1.43	0.56	- -	2.41	2.11	0.38	- -	1.49	- -	- -	- -
EV/EBITDA	49.15	- -	- -	- -	5.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	6.55	8.03	6.92	5.92	7.85	5.63	9.93	20.66
Price/Earnings Average	- -	- -	- -	- -	- -	- -	7.85	7.46	6.52	5.12	8.33	5.63	11.04	19.4
Price/Earnings High	- -	- -	- -	- -	- -	- -	8.65	8.03	9.01	6.59	8.53	6.16	12.87	20.87
Price/Earnings Low	- -	- -	- -	- -	- -	- -	6.51	6.78	5.22	3.95	7.85	5.29	9.18	17.05
Price/Book Value	- -	- -	- -	- -	- -	- -	11.17	5.96	3.22	3.04	2.35	1.84	1.47	1.82
Price/Book Value Average	- -	- -	- -	- -	- -	- -	13.38	5.54	3.04	2.63	2.49	1.84	1.63	1.71
Price/Book Value High	- -	- -	- -	- -	- -	- -	14.76	5.96	4.2	3.38	2.55	2.01	1.9	1.84
Price/Book Value Low	- -	- -	- -	- -	- -	- -	11.1	5.03	2.43	2.03	2.35	1.73	1.36	1.5
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	0.71	0.77	0.57	0.78	0.7	0.64	0.52	0.63
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	0.85	0.72	0.54	0.67	0.75	0.64	0.58	0.59
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	0.94	0.77	0.74	0.87	0.77	0.7	0.67	0.64
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	0.71	0.65	0.43	0.52	0.7	0.6	0.48	0.52
Price/Sales	- -	- -	- -	- -	- -	- -	2.34	2.8	2	2.6	3.09	2.72	2.4	4.04
Price/Sales Average	- -	- -	- -	- -	- -	- -	2.8	2.6	1.88	2.25	3.28	2.72	2.67	3.8
Price/Sales High	- -	- -	- -	- -	- -	- -	3.09	2.8	2.6	2.89	3.36	2.98	3.11	4.09
Price/Sales Low	- -	- -	- -	- -	- -	- -	2.33	2.36	1.51	1.74	3.09	2.56	2.22	3.34
Price/Cash Flow	- -	- -	- -	- -	- -	- -	4.65	9.85	7.92	7.07	6.1	3.16	4.18	5.86
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	5.57	9.15	7.46	6.12	6.48	3.16	4.65	5.5
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	6.15	9.85	10.31	7.87	6.64	3.46	5.42	5.92
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	4.63	8.31	5.97	4.72	6.1	2.98	3.87	4.83
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	5.49	9.02	7.37	6.1	6.43	3.16	4.64	5.41
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	6.06	9.71	10.19	7.85	6.59	3.45	5.4	5.82
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	4.56	8.2	5.9	4.71	6.06	2.97	3.86	4.76
EV/Sales Average	- -	3.29	4.5	1.43	0.56	- -	2.87	1.91	0.26	- -	1.67	- -	- -	- -
EV/Sales High	- -	3.29	4.5	1.43	0.56	- -	3.16	2.11	0.98	- -	1.76	0.09	0.36	- -
EV/Sales Low	- -	3.29	4.5	1.43	0.56	- -	2.39	1.67	- -	- -	1.49	- -	- -	- -
EV/EBITDA Average	49.15	-2.08	-7.17	-2.66	5.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	49.15	-2.08	-7.17	-2.66	5.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	49.15	-2.08	-7.17	-2.66	5.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	-1.99	-6.56	-2.4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	-1.99	-6.56	-2.4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	-1.99	-6.56	-2.4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	10.17	7.85	9.3	7.3	11	10.3	10.05	8.3	10
High Price	- -	- -	- -	- -	- -	10.17	10.37	9.3	9.5	12.25	11.2	11	10.75	10.1
Enterprise Value Average	3	6	19	10	3	24	43	28	4	-63	25	-3	-1	-23
Enterprise Value High	3	6	19	10	3	24	47	31	16	-50	26	1	6	-20
Enterprise Value Low	3	6	19	10	3	24	36	25	-2	-72	22	-5	-8	-28

Shares Outstanding	3	3	3	3	3	- -	4	4	4	4	4	4	4	4
Diluted Weighted Avg Shares	3	3	3	3	3	- -	4	4	4	4	4	4	4	4
Basic Weighted Avg Shares	3	3	3	3	3	- -	4	4	4	4	4	4	4	4
Revenue per Share	- -	0.6	1.23	1.95	1.67	- -	3.35	3.32	3.65	4.23	3.33	3.69	3.45	2.47
EBITDA per Share	0.02	-0.95	-0.77	-1.05	0.18	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	-1	-0.84	-1.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.44	-1	-0.84	-1.16	0.02	- -	1.2	1.16	1.05	1.86	1.31	1.79	0.84	0.48
Basic EPS from Cont Ops	-0.44	-1	-0.84	-1.16	0.02	- -	1.2	1.16	1.05	1.86	1.31	1.79	0.84	0.48
Diluted EPS, GAAP	-0.44	-1	-0.84	-1.16	0.02	- -	1.2	1.16	1.05	1.86	1.31	1.79	0.84	0.48
Diluted EPS from Cont Ops	-0.44	-1	-0.84	-1.16	0.02	- -	1.2	1.16	1.05	1.86	1.31	1.79	0.84	0.48
Dividend per Share	- -	- -	- -	- -	- -	- -	0.17	0.3	0.3	0.35	0.5	0.55	0.65	0.65
Cash Flow per Share	-0.44	-0.46	-1.12	0.34	0.16	- -	1.69	0.94	0.92	1.56	1.69	3.18	1.98	1.71
Free Cash Flow per Basic Share	-1.28	-0.88	-1.66	0.34	0.15	- -	1.66	0.93	0.91	1.55	1.68	3.17	1.98	1.68
Cash & Equivalents per Share	- -	1.61	1.37	1.09	2.67	- -	4.36	5.77	7.92	23.51	5.39	10.69	9.52	14.66
Book Value per Share	-0.44	-1.42	-2.14	-3.31	-3.29	- -	0.7	1.56	2.26	3.62	4.39	5.47	5.65	5.49
Tangible Book Value per Share	-0.42	9.92	8.25	6.96	7.28	- -	11.04	12.03	12.81	14.12	14.63	15.76	15.95	15.84

Touchmark Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)