Tri-County Financial Group, Inc. Financial Ratios — TYFG

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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 (%)	- -	5.45	7.73	8.67	17.18	10.03	9.07	7.46	7.47	9.08
Return on Assets (%)	- -	0.4	0.62	0.78	1.63	0.97	0.83	0.65	0.67	0.87
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.68	3.28	2.92	2.71	2.13	2.43	2.88	2.88	3.43	2.55
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	20.32	14.92	19.11	23.53	36.75	24.75	27.61	22.96	23.67	27.44
Profit Margin (%)	14	8.67	14.57	17.67	26.86	18.26	20.54	17.24	17.82	20.29
Net Income to Common Margin (%)	12.63	8.66	14.29	17.67	26.86	18.26	20.54	17.24	17.82	20.29
Effective Tax Rate (%)	31.09	41.88	23.78	24.91	26.89	26.21	25.61	24.91	24.74	26.04
Dvd Payout Ratio (%)	16.67	27.64	19.84	16.61	7.35	14.05	18.23	22.13	20.86	17.47
Sustainable Growth Rate (%)	- -	3.95	6.2	7.23	15.92	8.62	7.42	5.81	5.91	7.49

Credit (USD)

Credit Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	20	61	99	37	20	15	230	126	78	88
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	20	61	99	37	20	15	230	126	78	88
Total Debt/EBITDA	11.63	40.45	71.91	26.89	12.34	8.39	134.06	74.89	38.78	51.15
Net Debt/EBITDA	-10.62	7.63	43.83	16.45	-40.32	-89.85	113.64	58.87	17.62	24.23
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.32	7.17	8.63	9.4	9.56	9.73	8.63	8.77	9.3	9.89
Long-Term Debt/Equity (%)	29.34	66.42	101.57	34.09	15.51	10.8	172.66	92.41	54.3	55.64
Long-Term Debt/Capital (%)	22.68	39.91	50.39	25.42	13.43	9.75	63.32	48.03	35.19	35.75
Long-Term Debt/Total Assets (%)	2.15	5.73	8.76	3.2	1.48	1.05	14.89	8.1	5.05	5.5
Total Debt/Equity (%)	29.34	66.42	101.57	34.09	15.51	10.8	172.66	92.41	54.3	55.64
Total Debt/Capital (%)	22.68	39.91	50.39	25.42	13.43	9.75	63.32	48.03	35.19	35.75
Total Debt/Total Assets (%)	2.15	5.73	8.76	3.2	1.48	1.05	14.89	8.1	5.05	5.5
Net Debt to Equity	-26.8	12.52	61.91	20.85	-50.67	-115.66	146.36	72.65	24.67	26.36
Net Debt/Capital (%)	-36.6	11.13	38.24	17.25	-102.72	738.48	59.41	42.08	19.79	20.86
EBITDA	2	2	1	1	2	2	2	2	2	2
EBITDA-CapEx	-2	- -	- -	- -	-3	1	-1	1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	7.32	7.17	8.63	9.4	9.56	9.73	8.63	8.77	9.3	9.89
Long-Term Debt/Equity (%)	29.34	66.42	101.57	34.09	15.51	10.8	172.66	92.41	54.3	55.64
Long-Term Debt/Capital (%)	22.68	39.91	50.39	25.42	13.43	9.75	63.32	48.03	35.19	35.75
Long-Term Debt/Total Assets (%)	2.15	5.73	8.76	3.2	1.48	1.05	14.89	8.1	5.05	5.5
Total Debt/Equity (%)	29.34	66.42	101.57	34.09	15.51	10.8	172.66	92.41	54.3	55.64
Total Debt/Capital (%)	22.68	39.91	50.39	25.42	13.43	9.75	63.32	48.03	35.19	35.75
Total Debt/Total Assets (%)	2.15	5.73	8.76	3.2	1.48	1.05	14.89	8.1	5.05	5.5
CFO/Total Liabilities	2.22	1.42	1.56	0.94	-1.54	4.54	1.78	0.62	0.97	0.74
CFO/CapEx	5.01	13.01	9.32	6.29	-4.37	71.49	10.96	23.28	11.14	22.38
Altman's Z-Score	0.19	0.19	0.19	0.2	0.2	0.22	0.2	0.19	0.2	0.22

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	- -	9.45	8.52	8.47	13.39	14.74	11.22	8.62	7.78	8.58
Days Sales Outstanding	- -	38.64	42.87	43.07	27.26	24.76	32.54	42.35	46.91	42.54
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)

Enterprise Value API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	68	99	97	100	87	120	121	107	109	116
- Cash & Cash Equivalents	39	50	38	14	84	173	35	27	42	46
+ Preferred Equity and Hybrid Capital	- -	15	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	20	61	99	37	20	15	230	126	78	88
Enterprise Value	-31	36	51	21	-77	-174	95	31	1	81
Total Capital	90	153	196	144	147	151	363	262	221	246
Total Debt/Capital (%)	22.68	39.91	50.39	25.42	13.43	9.75	63.32	48.03	35.19	35.75
Total Debt / EV	-0.66	1.71	1.94	1.77	-0.26	-0.08	2.43	4.11	145.66	1.09
EV/Sales	- -	0.78	1.08	0.41	- -	- -	1.59	0.53	0.01	1.2
EV/EBITDA	- -	23.7	37.15	15.16	- -	- -	55.2	18.24	0.27	46.91
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	2.59	3.17	2.13	- -	- -	3.77	3.49	0.04	7.57
EV/Free Cash Flow to Firm	- -	2.41	2.87	1.84	- -	- -	3.46	3.35	0.04	7.25
Diluted Market Cap	51	82	98	102	88	123	124	109	113	118
Diluted Enterprise Value	32	109	158	124	24	-35	318	208	148	160
EV per Share	- -	14.53	20.68	8.39	- -	- -	37.99	12.65	0.22	33.89
TTM Sales	48	46	47	50	75	72	60	58	59	67
TTM EBITDA	2	2	1	1	2	2	2	2	2	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	20	14	16	10	-18	58	25	9	13	11
TTM Free Cash Flow to Firm	23	15	18	11	-14	58	27	9	15	11

Multiples (USD)

Valuation Multiples API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	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	2.15	5.54	5.5	9.07	-6.2	2.12	4.52	11.93	7.68	10.64
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-31	36	51	21	-77	-174	95	31	1	81
Low Price	22.1	27.25	39.27	39	29.25	34.5	43.1	40.26	37.9	42.5
EV/Sales	- -	0.78	1.08	0.41	- -	- -	1.59	0.53	0.01	1.2
EV/EBITDA	- -	23.7	37.15	15.16	- -	- -	55.2	18.24	0.27	46.91
Price/Earnings	8.28	18.95	13.42	11.24	4.32	9.1	9.88	10.75	10.71	8.56
Price/Earnings Average	7.52	16.12	14.5	11.34	4.15	8.19	9.58	11.04	9.83	7.95
Price/Earnings High	8.28	19.02	15.21	11.77	5.01	9.18	9.95	11.91	10.71	8.64
Price/Earnings Low	6.66	12.8	13.42	10.8	3.59	6.46	8.74	9.84	8.92	7.42
Price/Book Value	0.97	1.3	1	0.93	0.69	0.88	0.91	0.78	0.76	0.74
Price/Book Value Average	0.88	1.11	1.08	0.94	0.66	0.79	0.88	0.8	0.7	0.69
Price/Book Value High	0.97	1.31	1.13	0.97	0.8	0.89	0.92	0.87	0.76	0.75
Price/Book Value Low	0.78	0.88	1	0.89	0.57	0.63	0.81	0.72	0.63	0.64
Price/Tangible Book Value	1.08	1.43	1.07	0.99	0.74	0.94	0.98	0.84	0.81	0.78
Price/Tangible Book Value Average	0.98	1.22	1.16	1	0.71	0.85	0.95	0.86	0.74	0.73
Price/Tangible Book Value High	1.08	1.44	1.22	1.04	0.85	0.95	0.98	0.93	0.81	0.79
Price/Tangible Book Value Low	0.87	0.97	1.07	0.95	0.61	0.67	0.86	0.77	0.67	0.68
Price/Sales	1.05	1.64	1.92	1.99	1.16	1.66	2.03	1.85	1.91	1.74
Price/Sales Average	0.95	1.4	2.07	2	1.12	1.49	1.97	1.9	1.75	1.61
Price/Sales High	1.05	1.65	2.17	2.08	1.35	1.68	2.04	2.05	1.91	1.75
Price/Sales Low	0.84	1.11	1.92	1.91	0.96	1.18	1.79	1.7	1.59	1.5
Price/Cash Flow	2.56	5.47	5.61	10.27	-4.71	2.09	4.82	12.3	8.27	11
Price/Cash Flow Average	2.32	4.66	6.06	10.36	-4.53	1.88	4.68	12.64	7.6	10.21
Price/Cash Flow High	2.56	5.49	6.36	10.75	-5.46	2.11	4.85	13.63	8.27	11.1
Price/Cash Flow Low	2.05	3.7	5.61	9.87	-3.91	1.48	4.26	11.26	6.89	9.53
Price/Free Cash Flow Average	1.95	4.71	5.94	9.14	-5.96	1.9	4.38	12.25	7.05	9.88
Price/Free Cash Flow High	2.15	5.56	6.23	9.49	-7.19	2.13	4.55	13.21	7.68	10.74
Price/Free Cash Flow Low	1.73	3.74	5.5	8.71	-5.15	1.5	3.99	10.91	6.39	9.22
EV/Sales Average	0.89	2.42	3.5	2.45	0.26	- -	5.24	3.58	2.31	2.22
EV/Sales High	1.02	2.75	3.61	2.53	0.49	- -	5.32	3.72	2.46	2.36
EV/Sales Low	0.75	2.04	3.34	2.36	0.11	- -	5.07	3.37	2.15	2.12
EV/EBITDA Average	24.26	73.9	120.02	90.4	12.26	-28.32	182.32	124.06	67.51	87.26
EV/EBITDA High	27.83	83.98	123.75	93.22	23.06	-20.86	184.94	129.16	71.95	92.75
EV/EBITDA Low	20.28	62.36	114.36	86.9	5.06	-41.27	176.27	116.92	62.88	83.06
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	27.5	40.35	39.27	40.6	35.25	48.59	48.75	44	45.5	49.04
High Price	27.5	40.5	44.5	42.5	40.85	49	49.07	48.75	45.5	49.5
Enterprise Value Average	43	112	165	123	20	-50	312	208	135	150
Enterprise Value High	49	127	170	127	37	-37	317	217	144	159
Enterprise Value Low	36	94	157	118	8	-73	302	196	126	143

Shares Outstanding	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	3	3	3	3	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2
Revenue per Share	26.28	24.59	20.48	20.44	30.36	29.23	24.02	23.75	23.85	28.24
EBITDA per Share	0.97	0.81	0.6	0.55	0.65	0.71	0.69	0.68	0.82	0.72
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	3.32	2.13	2.93	3.61	8.16	5.34	4.93	4.09	4.25	5.73
Basic EPS from Cont Ops	3.68	2.13	2.98	3.61	8.16	5.34	4.93	4.09	4.25	5.73
Diluted EPS, GAAP	3.28	1.95	2.7	3.53	8.04	5.21	4.83	4.05	4.2	5.67
Diluted EPS from Cont Ops	3.64	1.96	2.75	3.53	8.04	5.21	4.83	4.05	4.2	5.67
Dividend per Share	0.91	0.59	0.64	0.6	0.6	0.75	0.9	0.91	0.89	1
Cash Flow per Share	10.76	7.37	7	3.95	-7.48	23.24	10.11	3.58	5.5	4.46
Free Cash Flow per Basic Share	8.61	6.81	6.25	3.32	-9.19	22.91	9.19	3.42	5.01	4.26
Cash & Equivalents per Share	48.36	56.91	58.63	47.09	74.1	124.98	103.02	83.29	77.75	52.1
Book Value per Share	28.36	31.03	39.42	43.66	51.29	55.17	53.43	56.2	59.81	66.43
Tangible Book Value per Share	25.4	28.15	36.58	40.85	47.89	51.61	49.92	52.6	56.18	62.77

Tri-County Financial Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)