Touchstone Bankshares, Inc. Financial Ratios — TSBA Stock

Profitability (USD)

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
Return on Common Equity (%)	- -	28.61	15.69	13.57	13.12	11.59	11.05	10.05	6.79	13.19	8.54	15.28	12.55
Return on Assets (%)	- -	1.17	1.13	0.97	0.96	0.86	0.83	0.77	0.42	0.73	0.46	0.8	0.67
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	10.23	7.73	6.29	5.24	4.13	-8.68	5.1	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-150.32	35.47	36.41	33.93	34.28	31.83	-46.24	27.67	- -	- -	- -	- -	- -
Operating Margin (%)	-150.32	28.54	29.49	26.96	27.49	25.32	-52.25	21.35	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	87.24	36.32	-50.28	42.13	-38.15	- -	1,134	-14.71	- -	- -	- -	- -
Pretax Margin (%)	35.54	28.54	29.49	26.96	27.49	25.32	24.85	21.35	7.88	19.89	13.15	24.48	18.8
Profit Margin (%)	66.85	19.4	19.83	18.44	18.86	17.46	17.37	15.77	6.4	16.23	11.05	19.91	16.7
Net Income to Common Margin (%)	66.85	19.4	19.83	18.44	18.86	17.46	17.37	15.77	6.36	16.19	11.01	19.86	16.66
Effective Tax Rate (%)	- -	32.02	32.75	31.58	31.4	31.05	30.13	26.12	18.72	18.44	15.97	18.68	11.16
Dvd Payout Ratio (%)	- -	16.15	22.22	26.22	29.12	33.46	37.25	41.54	75.04	28.4	40.95	22.05	24.23
Sustainable Growth Rate (%)	- -	23.99	12.21	10.01	9.3	7.71	6.93	5.88	1.69	9.45	5.04	11.91	9.51

Credit (USD)

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	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
Total Debt	- -	- -	5	5	15	14	14	- -	8	34	32	8	49
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	5	4	14	14	14	- -	8	34	32	8	49
Total Debt/EBITDA	- -	0.14	2.12	2.05	6.11	6.06	-3.97	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	-1.86	-0.16	-0.01	3.42	4.25	-2.9	-3.12	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	0.17	2.61	2.58	7.62	7.62	-3.51	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-2.31	-0.2	-0.01	4.27	5.34	-2.57	-4.04	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	7.41	7.06	7.28	7.41	7.45	7.5	7.75	5.54	5.56	5.14	5.29	5.41
Long-Term Debt/Equity (%)	- -	0.41	32.29	28.28	90.91	82.75	75.64	- -	17.08	71.03	64.4	15.37	114.01
Long-Term Debt/Capital (%)	- -	0.7	34	30.31	56.87	55.29	53.05	- -	24.21	56.25	54.04	20.27	59.04
Long-Term Debt/Total Assets (%)	- -	0.05	3.78	3.29	10.09	9.22	8.48	- -	1.77	7.16	6.06	1.35	7.81
Total Debt/Equity (%)	- -	2.01	34.73	30.6	93.11	82.75	75.64	- -	17.08	71.03	64.4	15.37	114.01
Total Debt/Capital (%)	- -	3.42	36.57	32.79	58.24	55.29	53.05	- -	24.21	56.25	54.04	20.27	59.04
Total Debt/Total Assets (%)	- -	0.26	4.07	3.55	10.33	9.22	8.48	- -	1.77	7.16	6.06	1.35	7.81
Net Debt to Equity	- -	-27.56	-2.62	-0.1	52.13	58.05	55.34	-39.43	-35.55	-46.78	-48.45	-49.12	-30.74
Net Debt/Capital (%)	- -	-94.47	-4.55	-0.16	43.85	46.45	45.26	-114.54	-101.51	-58.84	-68.51	-183.88	-18.93
EBITDA	-2	2	2	2	2	2	-3	2	- -	- -	- -	- -	- -
EBITDA-CapEx	-2	2	2	2	2	2	-6	2	-3	-1	- -	-1	-1
Operating Income (Loss)	-2	2	2	2	2	2	-4	2	- -	- -	- -	- -	- -

Liquidity (USD)

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	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	7.41	7.06	7.28	7.41	7.45	7.5	7.75	5.54	5.56	5.14	5.29	5.41
Long-Term Debt/Equity (%)	- -	0.41	32.29	28.28	90.91	82.75	75.64	- -	17.08	71.03	64.4	15.37	114.01
Long-Term Debt/Capital (%)	- -	0.7	34	30.31	56.87	55.29	53.05	- -	24.21	56.25	54.04	20.27	59.04
Long-Term Debt/Total Assets (%)	- -	0.05	3.78	3.29	10.09	9.22	8.48	- -	1.77	7.16	6.06	1.35	7.81
Total Debt/Equity (%)	- -	2.01	34.73	30.6	93.11	82.75	75.64	- -	17.08	71.03	64.4	15.37	114.01
Total Debt/Capital (%)	- -	3.42	36.57	32.79	58.24	55.29	53.05	- -	24.21	56.25	54.04	20.27	59.04
Total Debt/Total Assets (%)	- -	0.26	4.07	3.55	10.33	9.22	8.48	- -	1.77	7.16	6.06	1.35	7.81
CFO/Total Liabilities	- -	1.41	1.4	1.34	1.33	1.13	1.16	0.86	0.84	1.23	0.94	0.8	0.86
CFO/CapEx	- -	- -	- -	- -	- -	- -	0.79	3.63	1.27	8.37	9.88	5.33	8.17
Altman's Z-Score	-0.03	0.21	0.23	0.21	0.21	0.21	0.09	0.19	0.16	0.16	0.13	0.14	0.1

Working Capital (USD)

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	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
Accounts Receivable Turnover	- -	23.63	13.94	13.87	12.09	9.77	9.3	9.62	43.35	- -	- -	- -	- -
Days Sales Outstanding	- -	15.45	26.18	26.31	30.18	37.37	39.23	37.94	8.42	- -	- -	- -	- -
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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	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
Market Capitalization	5	8	13	10	10	13	11	8	35	39	27	36	- -
- Cash & Cash Equivalents	- -	4	5	5	6	4	4	7	16	22	24	25	13
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	5	5	15	14	14	- -	8	34	32	8	49
Enterprise Value	5	4	12	10	18	22	21	1	27	50	35	19	36
Total Capital	- -	8	14	14	25	25	26	13	31	60	60	39	82
Total Debt/Capital (%)	- -	3.42	36.57	32.79	58.24	55.29	53.05	- -	24.21	56.25	54.04	20.27	59.04
Total Debt / EV	- -	0.07	0.41	0.46	0.81	0.62	0.64	- -	0.28	0.67	0.91	0.42	1.37
EV/Sales	3.46	0.72	1.89	1.51	2.58	3.09	2.88	0.17	1.4	2.48	1.71	0.84	1.47
EV/EBITDA	- -	2.02	5.2	4.44	7.53	9.71	- -	0.63	- -	- -	- -	- -	- -
EV/EBIT	- -	2.51	6.42	5.59	9.4	12.21	- -	0.81	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	3.21	8.08	6.5	10.8	14.66	12.99	1.08	8.45	9.72	7.79	4.43	7.15
EV/Free Cash Flow to Firm	- -	3.21	8.08	6.5	10.8	14.66	5.72	0.85	4.73	8.68	7.07	3.73	6.37
Diluted Market Cap	5	8	13	10	10	13	11	8	36	39	28	36	- -
Diluted Enterprise Value	5	4	12	10	18	23	21	1	28	50	36	19	36
EV per Share	3.62	2.74	6.44	5.31	9.45	11.69	11.15	0.72	8.23	15.1	10.64	5.66	- -
TTM Sales	1	6	7	7	7	7	7	8	19	20	21	22	24
TTM EBITDA	-2	2	2	2	2	2	-3	2	- -	- -	- -	- -	- -
TTM Operating Income	-2	2	2	2	2	2	-4	2	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	1	2	2	2	2	2	1	3	5	5	4	5
TTM Free Cash Flow to Firm	- -	1	2	2	2	2	4	2	6	6	5	5	6

Multiples (USD)

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	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
Price/Free Cash Flow	- -	6.15	8.33	6.53	5.92	8.29	3.06	5.06	6.19	6.75	5.51	7.18	- -
EV/EBIT	- -	2.51	6.42	5.59	9.4	12.21	- -	0.81	- -	- -	- -	- -	- -
Enterprise Value	5	4	12	10	18	22	21	1	27	50	35	19	36
Low Price	6	7	9.7	9.05	9.3	10	8.24	4.54	12.65	12.08	8.11	9.1	9.34
EV/Sales	3.46	0.72	1.89	1.51	2.58	3.09	2.88	0.17	1.4	2.48	1.71	0.84	1.47
EV/EBITDA	- -	2.02	5.2	4.44	7.53	9.71	- -	0.63	- -	- -	- -	- -	- -
Price/Earnings	5.17	7.09	9.84	8.18	7.48	9.95	8.88	6.57	28.59	11.78	11.99	8.1	- -
Price/Earnings Average	4.96	6.17	8.78	8.95	8.07	9.49	8.34	7.25	30.49	11.13	12.63	7.78	- -
Price/Earnings High	10	16.22	21.84	20.77	16.86	19.09	17.18	17.4	39.35	13.94	20.04	9.52	- -
Price/Earnings Low	8.57	9.46	14.37	13.92	13.48	15.15	12.28	6.98	33.86	12.24	11.83	6.82	- -
Price/Book Value	- -	1.01	1.46	1.06	0.94	1.11	0.95	0.64	1.5	1.48	1	1.17	- -
Price/Book Value Average	- -	0.88	1.3	1.16	1.01	1.06	0.89	0.71	1.6	1.4	1.05	1.12	- -
Price/Book Value High	- -	2.32	3.24	2.69	2.12	2.14	1.84	1.7	2.06	1.76	1.67	1.38	- -
Price/Book Value Low	- -	1.35	2.13	1.8	1.69	1.7	1.31	0.68	1.77	1.54	0.98	0.99	- -
Price/Tangible Book Value	0.63	0.58	0.88	0.67	0.63	0.75	0.64	0.47	0.83	0.84	0.56	0.72	- -
Price/Tangible Book Value Average	0.61	0.5	0.78	0.73	0.68	0.71	0.6	0.52	0.89	0.8	0.59	0.69	- -
Price/Tangible Book Value High	1.22	1.32	1.95	1.69	1.41	1.43	1.23	1.25	1.15	1	0.93	0.84	- -
Price/Tangible Book Value Low	1.04	0.77	1.28	1.13	1.13	1.13	0.88	0.5	0.99	0.88	0.55	0.61	- -
Price/Sales	3.46	1.38	1.95	1.51	1.41	1.74	1.54	1.04	1.82	1.91	1.32	1.61	- -
Price/Sales Average	3.32	1.2	1.74	1.65	1.52	1.66	1.45	1.14	1.94	1.8	1.39	1.54	- -
Price/Sales High	6.69	3.15	4.33	3.83	3.18	3.33	2.98	2.74	2.5	2.26	2.21	1.89	- -
Price/Sales Low	5.73	1.84	2.85	2.57	2.54	2.65	2.13	1.1	2.15	1.98	1.3	1.35	- -
Price/Cash Flow	- -	6.15	8.33	6.51	5.9	8.24	6.95	6.45	10.97	7.49	6.01	8.46	- -
Price/Cash Flow Average	- -	5.35	7.44	7.12	6.36	7.86	6.52	7.12	11.7	7.07	6.34	8.12	- -
Price/Cash Flow High	- -	14.07	18.49	16.53	13.29	15.81	13.44	17.09	15.1	8.86	10.05	9.94	- -
Price/Cash Flow Low	- -	8.2	12.17	11.08	10.63	12.55	9.6	6.86	12.99	7.78	5.93	7.12	- -
Price/Free Cash Flow Average	- -	5.35	7.44	7.14	6.39	7.9	2.87	5.58	6.6	6.38	5.8	6.9	- -
Price/Free Cash Flow High	- -	14.07	18.49	16.57	13.35	15.9	5.91	13.4	8.52	7.98	9.21	8.44	- -
Price/Free Cash Flow Low	- -	8.2	12.17	11.11	10.67	12.62	4.23	5.38	7.33	7.01	5.44	6.05	- -
EV/Sales Average	3.32	0.54	1.68	1.65	2.69	3.01	2.79	0.28	1.52	2.37	1.78	0.78	1.47
EV/Sales High	6.69	2.49	4.27	3.83	4.35	4.69	4.33	1.88	2.09	2.82	2.59	1.12	1.47
EV/Sales Low	5.73	1.18	2.79	2.57	3.71	4	3.47	0.24	1.74	2.55	1.69	0.59	1.47
EV/EBITDA Average	-2.21	1.52	4.63	4.86	7.86	9.45	-6.03	1.01	- -	- -	- -	- -	- -
EV/EBITDA High	-4.45	7.01	11.74	11.28	12.69	14.72	-9.36	6.8	- -	- -	- -	- -	- -
EV/EBITDA Low	-3.81	3.32	7.67	7.56	10.83	12.56	-7.52	0.86	- -	- -	- -	- -	- -
EV/EBIT Average	-2.21	1.89	5.71	6.12	9.8	11.89	-5.34	1.31	- -	- -	- -	- -	- -
EV/EBIT High	-4.45	8.72	14.49	14.2	15.83	18.51	-8.28	8.82	- -	- -	- -	- -	- -
EV/EBIT Low	-3.81	4.12	9.47	9.52	13.51	15.79	-6.65	1.12	- -	- -	- -	- -	- -
Last Price	3.62	5.25	6.64	5.32	5.16	6.57	5.96	4.27	10.68	11.63	8.22	10.81	8.86
High Price	7	12	14.74	13.5	11.63	12.6	11.53	11.31	14.7	13.76	13.74	12.7	12.8
Enterprise Value Average	5	3	11	11	19	22	21	2	30	48	37	17	36
Enterprise Value High	10	14	28	26	31	34	32	15	41	57	54	25	36
Enterprise Value Low	8	7	18	17	26	29	26	2	34	52	35	13	36

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y
Shares Outstanding	- -	2	2	2	2	2	2	2	- -	3	3	3	3
Diluted Weighted Avg Shares	1	2	2	2	2	2	2	2	3	3	3	3	- -
Basic Weighted Avg Shares	1	2	2	2	2	2	2	2	3	3	3	3	- -
Revenue per Share	1.05	3.81	3.4	3.52	3.66	3.78	3.86	4.12	5.87	6.1	6.23	6.72	- -
EBITDA per Share	-1.57	1.35	1.24	1.2	1.25	1.2	-1.79	1.14	- -	- -	- -	- -	- -
Operating Income per Share	-1.57	1.09	1	0.95	1.01	0.96	-2.02	0.88	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.7	0.74	0.67	0.65	0.69	0.66	0.67	0.65	0.37	0.99	0.69	1.33	- -
Basic EPS from Cont Ops	0.7	0.74	0.67	0.65	0.69	0.66	0.67	0.65	0.38	0.99	0.69	1.34	- -
Diluted EPS, GAAP	0.7	0.74	0.67	0.65	0.69	0.66	0.67	0.65	0.37	0.98	0.68	1.32	- -
Diluted EPS from Cont Ops	0.7	0.74	0.67	0.65	0.69	0.66	0.67	0.65	0.37	0.98	0.68	1.33	- -
Dividend per Share	- -	0.12	0.15	0.17	0.2	0.22	0.25	0.27	0.28	0.28	0.28	0.3	- -
Cash Flow per Share	- -	0.85	0.8	0.82	0.88	0.8	0.86	0.66	0.97	1.55	1.37	1.28	- -
Free Cash Flow per Basic Share	- -	0.85	0.8	0.82	0.88	0.8	-0.23	0.48	0.21	1.37	1.23	1.04	- -
Cash & Equivalents per Share	- -	2.7	2.82	2.46	3.37	2.18	1.9	3.55	4.76	6.65	7.3	7.52	- -
Book Value per Share	- -	5.17	4.55	5.01	5.49	5.9	6.28	6.66	7.14	7.84	8.24	9.23	- -
Tangible Book Value per Share	5.74	9.12	7.56	8	8.23	8.81	9.38	9.01	12.82	13.77	14.72	15.04	- -

Touchstone Bankshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)