Traditions Bancorp, Inc.

TRBK

TRBKTraditions Bancorp, Inc. US flag

Other OTC

29.43

USD

-1.01

- -

80.54MMarket Cap

Profitability (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Return on Common Equity (%)	- -	30.9	26.33	17.51	13.19
Return on Assets (%)	- -	1.41	1.18	0.75	0.61
Return on Capital (%)	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	27.32	30.05	29.98	22.16	19.19
Profit Margin (%)	22.27	24.1	24.02	18.09	15.6
Net Income to Common Margin (%)	22.27	24.1	24.02	18.09	15.6
Effective Tax Rate (%)	18.46	19.79	19.88	18.38	18.72
Dvd Payout Ratio (%)	- -	- -	15.24	11.71	17.83
Sustainable Growth Rate (%)	- -	30.9	22.32	15.46	10.84

Credit (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Total Debt	24	3	3	39	36
ST Debt	- -	- -	- -	- -	- -
LT Debt	24	3	3	39	36
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	4.22	4.88	4.15	4.45	4.78
Long-Term Debt/Equity (%)	41.81	4.23	4.9	68.65	56.06
Long-Term Debt/Capital (%)	50.98	8.26	9.3	53.11	47.08
Long-Term Debt/Total Assets (%)	4.39	0.44	0.43	5.04	4.26
Total Debt/Equity (%)	41.81	4.23	4.9	68.65	56.06
Total Debt/Capital (%)	50.98	8.26	9.3	53.11	47.08
Total Debt/Total Assets (%)	4.39	0.44	0.43	5.04	4.26
Net Debt to Equity	-14.06	-28.82	-68.53	-13.78	-20.31
Net Debt/Capital (%)	-20.69	-128.96	431.17	-11.93	-20.56
EBITDA	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	-1	-1	- -	-1
Operating Income (Loss)	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Cash Ratio	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.22	4.88	4.15	4.45	4.78
Long-Term Debt/Equity (%)	41.81	4.23	4.9	68.65	56.06
Long-Term Debt/Capital (%)	50.98	8.26	9.3	53.11	47.08
Long-Term Debt/Total Assets (%)	4.39	0.44	0.43	5.04	4.26
Total Debt/Equity (%)	41.81	4.23	4.9	68.65	56.06
Total Debt/Capital (%)	50.98	8.26	9.3	53.11	47.08
Total Debt/Total Assets (%)	4.39	0.44	0.43	5.04	4.26
CFO/Total Liabilities	-0.03	-3.27	6.8	2.04	1.48
CFO/CapEx	-0.55	-25.23	48.92	62.72	10.48
Altman's Z-Score	0.17	0.17	0.16	0.14	0.1

Working Capital (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

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)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Market Capitalization	62	55	66	53	- -
- Cash & Cash Equivalents	8	19	45	8	13
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	24	3	3	39	36
Enterprise Value	78	39	25	84	23
Total Capital	47	34	34	74	76
Total Debt/Capital (%)	50.98	8.26	9.3	53.11	47.08
Total Debt / EV	0.3	0.07	0.13	0.47	1.57
EV/Sales	3.34	1.12	0.72	2.64	0.72
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.53	5.71	1.99
EV/Free Cash Flow to Firm	601.53	- -	0.52	5.62	1.81
Diluted Market Cap	63	56	67	53	- -
Diluted Enterprise Value	78	39	26	85	23
EV per Share	25.06	12.5	8.16	29.83	- -
TTM Sales	23	35	34	32	32
TTM EBITDA	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	-19	47	15	11
TTM Free Cash Flow to Firm	- -	-18	47	15	13

Multiples (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Price/Free Cash Flow	482.31	-3.1	1.41	3.58	- -
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	78	39	25	84	23
Low Price	16.59	13.2	17.15	18.5	16.65
EV/Sales	3.34	1.12	0.72	2.64	0.72
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	11.96	6.62	8.06	9.14	- -
Price/Earnings Average	11.07	5.99	7.79	10.44	- -
Price/Earnings High	13.16	7.45	9.22	11.98	- -
Price/Earnings Low	9.92	4.92	6.32	9.05	- -
Price/Book Value	2.73	1.77	2.13	1.52	- -
Price/Book Value Average	2.52	1.6	2.06	1.74	- -
Price/Book Value High	3	1.99	2.43	1.99	- -
Price/Book Value Low	2.26	1.32	1.67	1.51	- -
Price/Tangible Book Value	1.1	0.83	1.02	0.92	- -
Price/Tangible Book Value Average	1.01	0.75	0.98	1.05	- -
Price/Tangible Book Value High	1.21	0.94	1.16	1.21	- -
Price/Tangible Book Value Low	0.91	0.62	0.8	0.91	- -
Price/Sales	2.66	1.59	1.94	1.65	- -
Price/Sales Average	2.47	1.44	1.87	1.89	- -
Price/Sales High	2.93	1.8	2.21	2.17	- -
Price/Sales Low	2.21	1.19	1.52	1.64	- -
Price/Cash Flow	-400	-2.95	1.42	3.58	- -
Price/Cash Flow Average	-370.35	-2.68	1.37	4.09	- -
Price/Cash Flow High	-440	-3.33	1.63	4.69	- -
Price/Cash Flow Low	-331.8	-2.2	1.12	3.54	- -
Price/Free Cash Flow Average	446.56	-2.81	1.37	4.09	- -
Price/Free Cash Flow High	530.54	-3.49	1.62	4.69	- -
Price/Free Cash Flow Low	400.07	-2.3	1.11	3.54	- -
EV/Sales Average	3.14	0.97	0.66	2.87	0.72
EV/Sales High	3.6	1.32	1	3.15	0.72
EV/Sales Low	2.88	0.71	0.31	2.62	0.72
EV/EBITDA Average	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	20	17.75	21.85	18.7	19.4
High Price	22	20	25	24.5	19.4
Enterprise Value Average	74	34	22	91	23
Enterprise Value High	84	46	34	100	23
Enterprise Value Low	68	25	10	83	23

Profitability (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Return on Common Equity (%)	- -	30.9	26.33	17.51	13.19
Return on Assets (%)	- -	1.41	1.18	0.75	0.61
Return on Capital (%)	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -
Pretax Margin (%)	27.32	30.05	29.98	22.16	19.19
Profit Margin (%)	22.27	24.1	24.02	18.09	15.6
Net Income to Common Margin (%)	22.27	24.1	24.02	18.09	15.6
Effective Tax Rate (%)	18.46	19.79	19.88	18.38	18.72
Dvd Payout Ratio (%)	- -	- -	15.24	11.71	17.83
Sustainable Growth Rate (%)	- -	30.9	22.32	15.46	10.84

Credit (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Total Debt	24	3	3	39	36
ST Debt	- -	- -	- -	- -	- -
LT Debt	24	3	3	39	36
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	4.22	4.88	4.15	4.45	4.78
Long-Term Debt/Equity (%)	41.81	4.23	4.9	68.65	56.06
Long-Term Debt/Capital (%)	50.98	8.26	9.3	53.11	47.08
Long-Term Debt/Total Assets (%)	4.39	0.44	0.43	5.04	4.26
Total Debt/Equity (%)	41.81	4.23	4.9	68.65	56.06
Total Debt/Capital (%)	50.98	8.26	9.3	53.11	47.08
Total Debt/Total Assets (%)	4.39	0.44	0.43	5.04	4.26
Net Debt to Equity	-14.06	-28.82	-68.53	-13.78	-20.31
Net Debt/Capital (%)	-20.69	-128.96	431.17	-11.93	-20.56
EBITDA	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	-1	-1	- -	-1
Operating Income (Loss)	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Cash Ratio	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.22	4.88	4.15	4.45	4.78
Long-Term Debt/Equity (%)	41.81	4.23	4.9	68.65	56.06
Long-Term Debt/Capital (%)	50.98	8.26	9.3	53.11	47.08
Long-Term Debt/Total Assets (%)	4.39	0.44	0.43	5.04	4.26
Total Debt/Equity (%)	41.81	4.23	4.9	68.65	56.06
Total Debt/Capital (%)	50.98	8.26	9.3	53.11	47.08
Total Debt/Total Assets (%)	4.39	0.44	0.43	5.04	4.26
CFO/Total Liabilities	-0.03	-3.27	6.8	2.04	1.48
CFO/CapEx	-0.55	-25.23	48.92	62.72	10.48
Altman's Z-Score	0.17	0.17	0.16	0.14	0.1

Working Capital (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

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)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Market Capitalization	62	55	66	53	- -
- Cash & Cash Equivalents	8	19	45	8	13
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -
+ Total Debt	24	3	3	39	36
Enterprise Value	78	39	25	84	23
Total Capital	47	34	34	74	76
Total Debt/Capital (%)	50.98	8.26	9.3	53.11	47.08
Total Debt / EV	0.3	0.07	0.13	0.47	1.57
EV/Sales	3.34	1.12	0.72	2.64	0.72
EV/EBITDA	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.53	5.71	1.99
EV/Free Cash Flow to Firm	601.53	- -	0.52	5.62	1.81
Diluted Market Cap	63	56	67	53	- -
Diluted Enterprise Value	78	39	26	85	23
EV per Share	25.06	12.5	8.16	29.83	- -
TTM Sales	23	35	34	32	32
TTM EBITDA	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	-19	47	15	11
TTM Free Cash Flow to Firm	- -	-18	47	15	13

Multiples (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Price/Free Cash Flow	482.31	-3.1	1.41	3.58	- -
EV/EBIT	- -	- -	- -	- -	- -
Enterprise Value	78	39	25	84	23
Low Price	16.59	13.2	17.15	18.5	16.65
EV/Sales	3.34	1.12	0.72	2.64	0.72
EV/EBITDA	- -	- -	- -	- -	- -
Price/Earnings	11.96	6.62	8.06	9.14	- -
Price/Earnings Average	11.07	5.99	7.79	10.44	- -
Price/Earnings High	13.16	7.45	9.22	11.98	- -
Price/Earnings Low	9.92	4.92	6.32	9.05	- -
Price/Book Value	2.73	1.77	2.13	1.52	- -
Price/Book Value Average	2.52	1.6	2.06	1.74	- -
Price/Book Value High	3	1.99	2.43	1.99	- -
Price/Book Value Low	2.26	1.32	1.67	1.51	- -
Price/Tangible Book Value	1.1	0.83	1.02	0.92	- -
Price/Tangible Book Value Average	1.01	0.75	0.98	1.05	- -
Price/Tangible Book Value High	1.21	0.94	1.16	1.21	- -
Price/Tangible Book Value Low	0.91	0.62	0.8	0.91	- -
Price/Sales	2.66	1.59	1.94	1.65	- -
Price/Sales Average	2.47	1.44	1.87	1.89	- -
Price/Sales High	2.93	1.8	2.21	2.17	- -
Price/Sales Low	2.21	1.19	1.52	1.64	- -
Price/Cash Flow	-400	-2.95	1.42	3.58	- -
Price/Cash Flow Average	-370.35	-2.68	1.37	4.09	- -
Price/Cash Flow High	-440	-3.33	1.63	4.69	- -
Price/Cash Flow Low	-331.8	-2.2	1.12	3.54	- -
Price/Free Cash Flow Average	446.56	-2.81	1.37	4.09	- -
Price/Free Cash Flow High	530.54	-3.49	1.62	4.69	- -
Price/Free Cash Flow Low	400.07	-2.3	1.11	3.54	- -
EV/Sales Average	3.14	0.97	0.66	2.87	0.72
EV/Sales High	3.6	1.32	1	3.15	0.72
EV/Sales Low	2.88	0.71	0.31	2.62	0.72
EV/EBITDA Average	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -
Last Price	20	17.75	21.85	18.7	19.4
High Price	22	20	25	24.5	19.4
Enterprise Value Average	74	34	22	91	23
Enterprise Value High	84	46	34	100	23
Enterprise Value Low	68	25	10	83	23

Shares Outstanding	- -	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	- -
Basic Weighted Avg Shares	3	3	3	3	- -
Revenue per Share	7.51	11.13	11.29	11.31	- -
EBITDA per Share	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.67	2.68	2.71	2.04	- -
Basic EPS from Cont Ops	1.67	2.68	2.71	2.04	- -
Diluted EPS, GAAP	1.66	2.66	2.67	2.01	- -
Diluted EPS from Cont Ops	1.66	2.66	2.67	2.01	- -
Dividend per Share	- -	- -	0.41	0.24	- -
Cash Flow per Share	-0.05	-6.01	15.36	5.22	- -
Free Cash Flow per Basic Share	-0.14	-6.25	15.05	5.14	- -
Cash & Equivalents per Share	2.57	6.16	14.74	2.79	- -
Book Value per Share	7.34	10.03	10.27	12.29	- -
Tangible Book Value per Share	18.25	21.36	21.52	20.28	- -

Traditions Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)