Trinity Bank, N.A. Financial Ratios — TYBT Stock

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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 (%)	- -	10.19	16.96	20.15	13.06	14.59	16.19	15.93	15.05	- -
Return on Assets (%)	- -	0.69	1.03	1.99	1.37	1.44	1.66	1.72	1.68	- -
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	- -
EBITDA Margin (%)	-6.42	26.73	33.49	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-17.98	18.9	33.49	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	81.41	113.68	-12.79	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	- -	33.49	44	46.09	46.77	55.33	57.18	54.03	- -
Profit Margin (%)	-17.98	18.9	30.66	38.57	40.35	39.77	47.04	50.11	46.53	- -
Net Income to Common Margin (%)	-17.98	18.9	30.66	38.57	40.35	39.77	47.04	50.11	46.53	- -
Effective Tax Rate (%)	- -	- -	8.45	12.34	12.46	14.97	14.97	12.36	13.9	- -
Dvd Payout Ratio (%)	- -	- -	- -	33.19	30.15	26.45	23.06	22.53	23.04	- -
Sustainable Growth Rate (%)	- -	10.19	16.96	13.46	9.12	10.73	12.46	12.34	11.59	- -

Credit (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	101.69	-26.84	-21.46	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	36.34	-37.98	-21.46	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.42	6.28	5.89	11.15	9.99	9.74	10.72	10.89	11.38	- -
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt to Equity	-102.81	-172.53	-186.82	-181.89	-70.62	-98.26	-59.38	-89.53	-134.05	- -
Net Debt/Capital (%)	174.56	137.45	137.5	202.71	-329.59	2,591.88	-115.36	-631.92	526.54	- -
EBITDA	- -	1	1	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	1	1	- -	- -	- -	- -	- -	-2	- -
Operating Income (Loss)	- -	- -	1	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	7.42	6.28	5.89	11.15	9.99	9.74	10.72	10.89	11.38	- -
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	-0.12	2	- -	1.87	1.65	2.03	2.42	2.09	1.98	- -
CFO/CapEx	- -	- -	- -	24.86	63.36	92.65	23.83	19.06	4.47	- -
Altman's Z-Score	0.17	0.18	0.22	0.32	0.27	0.28	0.31	0.3	0.3	- -

Working Capital (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	11.27	40.79	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	32.39	8.95	- -	- -	- -	- -	- -	- -
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

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	15	16	22	71	70	82	97	98	98	101
- Cash & Cash Equivalents	10	18	21	68	29	44	26	46	73	- -
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	4	5	6	34	38	42	48	53	59	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	15	17	22	75	72	86	101	102	103	106
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	2	2	3	10	12	15	15	16	18	- -
TTM EBITDA	- -	1	1	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	1	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	5	6	8	10	9	9	- -
TTM Free Cash Flow to Firm	- -	- -	- -	5	6	8	10	10	11	- -

Multiples (USD)

API ChatGPT

	2004 Y	2005 Y	2006 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	-266.15	12.68	- -	14.14	12.79	10.79	9.96	10.73	9.04	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Low Price	11.3	14	15.25	59.5	57.5	61.31	76	79.25	80	84
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	34.52	24.84	17.64	14.74	14.14	13.29	12.22	11.61	- -
Price/Earnings Average	-50.59	34.1	21.05	17.57	14.29	13.14	12.67	11.69	11.28	- -
Price/Earnings High	-55.76	34.52	24.84	17.91	16.12	14.14	13.51	12.22	12.12	- -
Price/Earnings Low	-45.01	33.33	18.94	16.15	13.24	11.41	11.41	10.76	10.21	- -
Price/Book Value	3.53	3.34	3.89	2.07	1.84	1.96	2.02	1.85	1.65	- -
Price/Book Value Average	3.26	3.29	3.29	2.06	1.78	1.82	1.93	1.77	1.6	- -
Price/Book Value High	3.59	3.34	3.89	2.1	2.01	1.96	2.06	1.85	1.72	- -
Price/Book Value Low	2.9	3.22	2.96	1.9	1.65	1.58	1.74	1.63	1.45	- -
Price/Tangible Book Value	1.55	1.57	1.98	1.91	1.69	1.85	2.24	1.92	1.79	- -
Price/Tangible Book Value Average	1.43	1.55	1.68	1.9	1.64	1.72	2.14	1.84	1.74	- -
Price/Tangible Book Value High	1.58	1.57	1.98	1.94	1.85	1.85	2.28	1.92	1.87	- -
Price/Tangible Book Value Low	1.27	1.51	1.51	1.75	1.52	1.49	1.93	1.69	1.58	- -
Price/Sales	9.84	6.52	7.62	6.8	5.95	5.62	6.25	6.13	5.4	- -
Price/Sales Average	9.09	6.44	6.46	6.78	5.77	5.22	5.96	5.86	5.25	- -
Price/Sales High	10.02	6.52	7.62	6.91	6.51	5.62	6.36	6.13	5.64	- -
Price/Sales Low	8.09	6.3	5.81	6.23	5.34	4.54	5.37	5.39	4.75	- -
Price/Cash Flow	-266.15	12.07	- -	14.06	12.47	10.45	9.93	10.8	10.58	- -
Price/Cash Flow Average	-245.86	11.92	- -	14.01	12.09	9.71	9.47	10.32	10.28	- -
Price/Cash Flow High	-270.99	12.07	- -	14.28	13.64	10.45	10.1	10.8	11.05	- -
Price/Cash Flow Low	-218.73	11.66	- -	12.88	11.2	8.43	8.53	9.51	9.3	- -
Price/Free Cash Flow Average	-245.86	12.52	- -	14.09	12.4	10.02	9.5	10.26	8.78	- -
Price/Free Cash Flow High	-270.99	12.68	- -	14.36	13.99	10.79	10.13	10.73	9.43	- -
Price/Free Cash Flow Low	-218.73	12.24	- -	12.95	11.49	8.7	8.55	9.45	7.94	- -
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.75	14.5	20	64.98	64	76	88.5	90	91	93
High Price	14	14.5	20	66	70	76	90	90	95	106
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Shares Outstanding	- -	- -	- -	- -	- -	- -	- -	1	1	- -
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1
Revenue per Share	1.4	2.22	2.63	9.55	10.76	13.52	14.16	14.69	16.84	- -
EBITDA per Share	-0.09	0.59	0.88	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-0.25	0.42	0.88	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.25	0.42	0.81	3.68	4.34	5.38	6.66	7.36	7.84	- -
Basic EPS from Cont Ops	-0.25	0.42	0.81	3.68	4.34	5.38	6.66	7.36	7.84	- -
Diluted EPS, GAAP	-0.25	0.4	0.81	3.52	4.17	5.15	6.37	7.04	7.5	- -
Diluted EPS from Cont Ops	-0.25	0.4	0.81	3.52	4.17	5.15	6.37	7.04	7.5	- -
Dividend per Share	- -	- -	- -	1.22	1.31	1.42	1.54	1.66	1.81	- -
Cash Flow per Share	-0.05	1.2	- -	4.62	5.13	7.27	8.91	8.33	8.6	- -
Free Cash Flow per Basic Share	-0.05	1.2	- -	4.44	5.05	7.19	8.54	7.9	6.67	- -
Cash & Equivalents per Share	9.12	15.95	18.87	61.96	26.67	40.39	23.43	41.95	68	- -
Book Value per Share	3.9	4.35	5.15	31.39	34.77	38.84	43.73	48.59	55.09	- -
Tangible Book Value per Share	8.88	9.24	10.1	34.06	37.77	41.11	39.45	46.86	50.73	- -

Trinity Bank, N.A.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)