TowneBank Financial Ratios — TOWN 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	12/31/2011	12/31/2012	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 (%)	16.82	21.18	21.84	20.61	25.3	21.96	24.32	30.16	25.5	22.97	28.4	21	15.26	14.86	14.46
Return on Assets (%)	0.84	0.89	0.92	0.87	1.11	0.94	1.06	1.36	1.2	1.1	1.39	1.17	0.94	0.95	0.92
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	4.52	4.61	4.5	5.8	4.78	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.4	28.58	31.59	31.82	36.57	32.55	5.46	5.4	5.21	4.39	4.24	4.18	4.93	5.07	4.83
Operating Margin (%)	- -	23.5	26.25	26.07	31.14	27.04	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	-278.71	219.54	132.1	21.08	53.38	11.02	-134.16	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	22.37	23.5	26.25	26.07	31.14	27.04	32.92	32.33	31.3	30.4	41.21	34.54	26.72	27.44	25.22
Profit Margin (%)	16.37	16.64	17.86	17.42	20.99	18.02	19.55	25.15	24.64	21.98	31.72	27.53	22.06	23.32	20.33
Net Income to Common Margin (%)	11.24	13.91	16.05	17.11	20.99	18.02	19.55	25.15	24.64	21.98	31.72	27.53	22.06	23.32	20.33
Effective Tax Rate (%)	27.95	26.07	27.91	28.81	29.04	28.44	37.14	19.9	18.49	15.84	19.58	19.65	16.66	14.5	18.75
Dvd Payout Ratio (%)	31.63	38.7	21.9	32.55	31.87	39.57	35.17	31.65	33.23	27.02	23.56	32.69	45.76	45.91	46.09
Sustainable Growth Rate (%)	11.5	12.99	17.06	13.9	17.23	13.27	15.77	20.62	17.03	16.76	21.71	14.13	8.28	8.04	7.8

Credit (USD)

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	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	12/31/2011	12/31/2012	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	294	380	395	398	429	688	774	1,047	720	705	405	277	460	263	336
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	294	380	395	398	429	688	774	1,047	720	705	405	277	460	263	336
Total Debt/EBITDA	26.74	5.83	5.35	5.17	3.95	5.66	31.6	36.46	24.52	24.26	14.06	9.66	13.43	7.51	8.36
Net Debt/EBITDA	-1.86	3.85	2.58	2.39	1.63	4.54	10.32	12.55	9.45	-39.89	-100.41	-30.52	-19.54	-30.69	-25.22
Total Debt/EBIT	- -	7.09	6.44	6.31	4.64	6.81	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	4.68	3.1	2.92	1.92	5.46	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	3.5	3.55	4.01	4.3	4.43	4.18	4.54	4.48	4.92	4.64	5.12	6.07	6.21	6.53	6.19
Long-Term Debt/Equity (%)	56.44	67.87	67.5	64.4	52.31	63.27	67.76	68.07	43.55	39.53	21.14	14.67	22.36	12.26	13.85
Long-Term Debt/Capital (%)	50.86	56.08	59.15	57.02	59.83	66.58	66.02	67.12	54.5	50.32	32.15	22.1	30.21	18.75	21.53
Long-Term Debt/Total Assets (%)	7.2	8.62	8.45	7.99	6.81	8.62	9.08	9.38	6.03	4.82	2.48	1.75	2.73	1.53	1.71
Total Debt/Equity (%)	56.44	67.87	67.5	64.4	52.31	63.27	67.76	68.07	43.55	39.53	21.14	14.67	22.36	12.26	13.85
Total Debt/Capital (%)	50.86	56.08	59.15	57.02	59.83	66.58	66.02	67.12	54.5	50.32	32.15	22.1	30.21	18.75	21.53
Total Debt/Total Assets (%)	7.2	8.62	8.45	7.99	6.81	8.62	9.08	9.38	6.03	4.82	2.48	1.75	2.73	1.53	1.71
Net Debt to Equity	-3.92	44.78	32.51	29.79	21.61	50.71	22.14	23.43	16.78	-64.98	-150.91	-46.37	-32.52	-50.13	-41.76
Net Debt/Capital (%)	-7.75	45.73	41.09	38.03	38.09	61.48	38.83	41.27	31.58	250.26	141.96	-864.8	-170.01	-1,663.46	-479.38
EBITDA	11	65	74	77	109	121	24	29	29	29	29	29	34	35	40
EBITDA-CapEx	-16	45	55	65	85	103	11	8	-7	-17	-2	-24	-8	-22	-10
Operating Income (Loss)	- -	54	61	63	93	101	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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	12/31/2011	12/31/2012	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	3.5	3.55	4.01	4.3	4.43	4.18	4.54	4.48	4.92	4.64	5.12	6.07	6.21	6.53	6.19
Long-Term Debt/Equity (%)	56.44	67.87	67.5	64.4	52.31	63.27	67.76	68.07	43.55	39.53	21.14	14.67	22.36	12.26	13.85
Long-Term Debt/Capital (%)	50.86	56.08	59.15	57.02	59.83	66.58	66.02	67.12	54.5	50.32	32.15	22.1	30.21	18.75	21.53
Long-Term Debt/Total Assets (%)	7.2	8.62	8.45	7.99	6.81	8.62	9.08	9.38	6.03	4.82	2.48	1.75	2.73	1.53	1.71
Total Debt/Equity (%)	56.44	67.87	67.5	64.4	52.31	63.27	67.76	68.07	43.55	39.53	21.14	14.67	22.36	12.26	13.85
Total Debt/Capital (%)	50.86	56.08	59.15	57.02	59.83	66.58	66.02	67.12	54.5	50.32	32.15	22.1	30.21	18.75	21.53
Total Debt/Total Assets (%)	7.2	8.62	8.45	7.99	6.81	8.62	9.08	9.38	6.03	4.82	2.48	1.75	2.73	1.53	1.71
CFO/Total Liabilities	0.16	1.05	2.83	1.02	1.48	2.68	1.91	3.3	0.1	1	3.59	2.98	1.08	0.91	1.52
CFO/CapEx	0.21	1.96	6.03	3.73	3.48	10.22	10.49	15.23	0.28	2.79	16.63	7.95	3.79	2.43	5.25
Altman's Z-Score	0.14	0.2	0.21	0.21	0.26	0.3	0.26	0.21	0.22	0.18	0.2	0.22	0.21	0.23	0.21

Working Capital (USD)

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	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	12/31/2011	12/31/2012	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

- -

Days Sales Outstanding

- -

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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	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	12/31/2011	12/31/2012	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	354	477	506	532	1,066	1,890	1,912	1,704	2,005	1,697	2,290	2,238	2,221	2,552	2,550
- Cash & Cash Equivalents	314	129	205	214	252	137	521	687	443	1,864	3,297	1,153	1,128	1,339	1,351
+ Preferred Equity and Hybrid Capital	135	134	76	76	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	6	7	9	9	9	11	11	13	13	17	17	15	16	15	7
+ Total Debt	294	380	395	398	429	688	774	1,047	720	705	405	277	460	263	336
Enterprise Value	144	418	238	198	529	1,639	1,310	982	854	-813	-2,391	-464	-561	1,429	1,375
Total Capital	578	678	668	698	717	1,033	1,173	1,560	1,321	1,401	1,260	1,254	1,522	1,404	1,562
Total Debt/Capital (%)	50.86	56.08	59.15	57.02	59.83	66.58	66.02	67.12	54.5	50.32	32.15	22.1	30.21	18.75	21.53
Total Debt / EV	2.04	0.91	1.66	2.01	0.81	0.42	0.59	1.07	0.84	-0.87	-0.17	-0.6	-0.82	0.18	0.24
EV/Sales	0.71	1.84	1.02	0.82	1.78	4.39	2.92	1.85	1.52	- -	- -	- -	- -	2.06	1.65
EV/EBITDA	13.11	6.42	3.22	2.57	4.86	13.5	53.46	34.19	29.07	- -	- -	- -	- -	40.75	34.18
EV/EBIT	- -	7.81	3.88	3.13	5.71	16.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	25.62	10.38	2.06	4.44	6.52	8.88	9.28	3.09	82.8	- -	- -	- -	- -	10.38	5.26
EV/Free Cash Flow to Firm	4.37	6.87	1.77	3.5	5.06	8.09	8.48	2.9	18.16	- -	- -	- -	- -	7.35	4.42
Diluted Market Cap	367	481	507	532	1,068	1,890	1,919	1,707	2,008	1,699	2,292	2,238	2,222	2,560	2,561
Diluted Enterprise Value	487	873	782	802	1,254	2,452	2,183	2,081	2,299	557	-582	1,377	1,569	1,499	1,554
EV per Share	4.84	13.6	7.24	5.62	10.35	28.84	21.07	13.8	11.85	- -	- -	- -	- -	19.07	17.99
TTM Sales	204	228	234	242	297	373	448	532	563	662	679	686	694	692	834
TTM EBITDA	11	65	74	77	109	121	24	29	29	29	29	29	34	35	40
TTM Operating Income	- -	54	61	63	93	101	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	40	116	45	81	185	141	318	10	128	519	416	159	138	261
TTM Free Cash Flow to Firm	33	61	135	56	104	203	155	338	47	174	550	468	201	194	311

Multiples (USD)

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	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	12/31/2011	12/31/2012	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	11.15	7.89	3.76	9.43	10.23	9.33	12.42	5.05	42.7	9.78	4.17	4.78	11.04	13.17	8.23
EV/EBIT	- -	7.81	3.88	3.13	5.71	16.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	144	418	238	198	529	1,639	1,310	982	854	-813	-2,391	-464	-561	1,429	1,375
Low Price	10.19	11.75	13.43	12.93	14.25	16.5	28.55	22.88	23.32	15.03	21.76	26.18	21.22	25.7	29.43
EV/Sales	0.71	1.84	1.02	0.82	1.78	4.39	2.92	1.85	1.52	- -	- -	- -	- -	2.06	1.65
EV/EBITDA	13.11	6.42	3.22	2.57	4.86	13.5	53.46	34.19	29.07	- -	- -	- -	- -	40.75	34.18
Price/Earnings	15.45	15.03	13.47	12.84	17.09	28.1	21.81	12.74	14.45	11.66	10.63	11.84	14.5	15.82	15.04
Price/Earnings Average	16.94	13.47	13.1	12.8	14.51	19.35	22.66	16.07	14.01	10.12	10.2	11.49	12.61	14.14	15.56
Price/Earnings High	21.41	15.52	15.18	14.18	18.54	29.2	25.03	18	15.07	14.01	11.55	13.36	15.47	17.78	17.13
Price/Earnings Low	13.26	11.4	11.76	10.98	11.67	13.95	20.25	12.17	12.11	7.47	7.32	10.05	10.34	11.93	13.27
Price/Book Value	2.47	3.05	2.7	2.48	3.82	5.66	4.94	3.41	3.41	2.5	2.73	2.33	2.12	2.27	2.09
Price/Book Value Average	2.71	2.73	2.62	2.47	3.25	3.9	5.13	4.3	3.3	2.17	2.62	2.26	1.85	2.03	2.16
Price/Book Value High	3.43	3.15	3.04	2.74	4.15	5.89	5.67	4.82	3.55	3	2.97	2.62	2.27	2.55	2.38
Price/Book Value Low	2.12	2.31	2.36	2.12	2.61	2.81	4.58	3.26	2.86	1.6	1.88	1.97	1.51	1.71	1.84
Price/Tangible Book Value	1.3	1.55	1.3	1.31	1.67	2.41	2.29	1.63	1.74	1.32	1.63	1.61	1.45	1.57	1.47
Price/Tangible Book Value Average	1.43	1.39	1.26	1.3	1.42	1.66	2.38	2.06	1.69	1.15	1.56	1.57	1.26	1.4	1.52
Price/Tangible Book Value High	1.81	1.6	1.47	1.45	1.81	2.51	2.63	2.3	1.81	1.59	1.77	1.82	1.54	1.76	1.67
Price/Tangible Book Value Low	1.12	1.18	1.14	1.12	1.14	1.2	2.13	1.56	1.46	0.84	1.12	1.37	1.03	1.18	1.29
Price/Sales	1.74	2.09	2.16	2.2	3.59	5.06	4.26	3.2	3.56	2.56	3.37	3.26	3.2	3.69	3.06
Price/Sales Average	1.9	1.87	2.1	2.19	3.05	3.49	4.43	4.04	3.45	2.22	3.23	3.16	2.78	3.3	3.16
Price/Sales High	2.41	2.16	2.44	2.43	3.89	5.26	4.89	4.53	3.71	3.08	3.66	3.68	3.41	4.14	3.48
Price/Sales Low	1.49	1.59	1.89	1.88	2.45	2.51	3.96	3.06	2.98	1.64	2.32	2.77	2.28	2.78	2.7
Price/Cash Flow	62.91	11.82	4.38	11.94	13.14	10.24	13.55	5.37	194.4	13.27	4.41	5.39	13.95	18.53	9.75
Price/Cash Flow Average	68.96	10.59	4.25	11.9	11.16	7.05	14.08	6.77	188.52	11.52	4.23	5.23	12.14	16.56	10.09
Price/Cash Flow High	87.17	12.2	4.93	13.19	14.26	10.64	15.56	7.58	202.78	15.95	4.79	6.08	14.89	20.83	11.11
Price/Cash Flow Low	53.96	8.96	3.82	10.21	8.97	5.08	12.58	5.13	162.95	8.5	3.04	4.57	9.95	13.98	8.6
Price/Free Cash Flow Average	12.22	7.07	3.66	9.4	8.69	6.42	12.9	6.37	41.41	8.49	4	4.64	9.61	11.78	8.51
Price/Free Cash Flow High	15.44	8.14	4.24	10.42	11.09	9.69	14.25	7.13	44.54	11.75	4.53	5.4	11.78	14.81	9.37
Price/Free Cash Flow Low	9.56	5.99	3.28	8.07	6.98	4.63	11.53	4.82	35.8	6.26	2.87	4.06	7.87	9.94	7.26
EV/Sales Average	2.5	3.59	3.28	3.3	3.67	4.99	5.02	4.74	3.97	0.5	- -	1.91	1.84	1.76	1.96
EV/Sales High	3	3.88	3.62	3.54	4.52	6.77	5.48	5.23	4.23	1.35	- -	2.42	2.47	2.61	2.28
EV/Sales Low	2.08	3.31	3.07	2.99	3.08	4.02	4.55	3.76	3.5	- -	- -	1.51	1.34	1.25	1.49
EV/EBITDA Average	46.25	12.57	10.39	10.39	10.04	15.34	91.87	87.87	76.08	11.38	-23.57	45.67	37.4	34.8	40.52
EV/EBITDA High	55.56	13.57	11.45	11.13	12.35	20.8	100.36	96.84	81.09	30.87	-13.45	57.96	50.2	51.54	47.16
EV/EBITDA Low	38.57	11.57	9.71	9.41	8.41	12.35	83.23	69.67	67.11	-1.91	-45.06	36.19	27.21	24.66	30.86
EV/EBIT Average	- -	15.29	12.5	12.67	11.8	18.47	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	16.5	13.78	13.58	14.51	25.03	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	14.07	11.68	11.48	9.88	14.87	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	11.88	15.49	15.39	15.12	20.87	33.25	30.75	23.95	27.82	23.48	31.59	30.84	29.76	34.06	33.37
High Price	16.46	15.99	17.34	16.7	22.64	34.55	35.3	33.85	29.02	28.21	34.32	34.79	31.76	38.28	38.01
Enterprise Value Average	508	819	767	800	1,092	1,864	2,251	2,524	2,235	331	-679	1,311	1,280	1,220	1,630
Enterprise Value High	610	884	846	857	1,343	2,526	2,459	2,782	2,382	897	-387	1,663	1,718	1,807	1,897
Enterprise Value Low	424	754	717	725	914	1,500	2,039	2,001	1,971	-56	-1,298	1,039	931	865	1,241

Shares Outstanding	30	31	35	36	52	62	63	72	73	73	73	73	74	75	79
Diluted Weighted Avg Shares	31	31	33	35	51	57	62	71	72	72	73	73	75	75	77
Basic Weighted Avg Shares	30	31	33	35	51	57	62	71	72	72	72	73	75	75	76
Revenue per Share	6.84	7.41	7.12	6.88	5.82	6.57	7.21	7.48	7.82	9.16	9.37	9.46	9.3	9.24	10.91
EBITDA per Share	0.37	2.12	2.25	2.19	2.13	2.14	0.39	0.4	0.41	0.4	0.4	0.4	0.46	0.47	0.53
Operating Income per Share	- -	1.74	1.87	1.79	1.81	1.78	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.77	1.03	1.14	1.18	1.22	1.18	1.41	1.88	1.93	2.01	2.97	2.6	2.05	2.15	2.22
Basic EPS from Cont Ops	1.1	1.29	1.35	1.28	1.29	1.27	1.49	1.94	1.99	2.34	3.1	2.63	2.07	2.17	2.24
Diluted EPS, GAAP	0.74	1.02	1.14	1.18	1.22	1.18	1.4	1.88	1.92	2.01	2.97	2.6	2.05	2.15	2.21
Diluted EPS from Cont Ops	1.06	1.28	1.34	1.28	1.28	1.27	1.49	1.93	1.99	2.34	3.1	2.62	2.07	2.16	2.23
Dividend per Share	0.58	0.64	0.41	0.46	0.43	0.54	0.55	0.63	0.69	0.72	0.76	0.86	0.96	1	1.04
Cash Flow per Share	0.19	1.31	3.52	1.27	1.59	3.25	2.27	4.46	0.14	1.77	7.16	5.73	2.13	1.84	3.42
Free Cash Flow per Basic Share	-0.73	0.64	2.93	0.93	1.13	2.93	2.05	4.17	-0.37	1.14	6.73	5.01	1.57	1.08	2.77
Cash & Equivalents per Share	21.64	18.83	22.77	23.26	19.1	16.71	22.32	25.05	26.14	44.71	70.4	41.26	43.64	18.71	19.87
Book Value per Share	4.8	5.08	5.7	6.1	5.46	5.87	6.23	7.03	8.16	9.39	11.56	13.26	14.01	15.02	15.95
Tangible Book Value per Share	9.1	9.96	11.83	11.55	12.52	13.79	13.41	14.7	15.99	17.79	19.43	19.12	20.56	21.74	22.75

TowneBank

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)