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
Return on Common Equity (%)	- -	6.16	9.7	11.71	22.73	12.78	10.72	8.27	8.15	9.91
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 (%)	- -	4.45	7.78	9.77	21.06	10.99	8.76	6.44	6.45	8.18

Credit (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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	6.63	6.22	6.41	6.95	7.36	7.78	7.72	7.97	8.59	8.99
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 (%)	24.45	42.75	57.77	31.56	16.77	11.91	65.85	50.4	37.04	37.96
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 (%)	24.45	42.75	57.77	31.56	16.77	11.91	65.85	50.4	37.04	37.96
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 (%)	-41.97	12.34	45.47	22	-192.52	323.18	62.04	44.4	21.09	22.47
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)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.63	6.22	6.41	6.95	7.36	7.78	7.72	7.97	8.59	8.99
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 (%)	24.45	42.75	57.77	31.56	16.77	11.91	65.85	50.4	37.04	37.96
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 (%)	24.45	42.75	57.77	31.56	16.77	11.91	65.85	50.4	37.04	37.96
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	0.18	0.18	0.18	0.2	0.2	0.22	0.2	0.19	0.2	0.22

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	50	76	90	100	87	120	121	108	112	117
- 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	-49	12	44	20	-77	-174	94	32	3	81
Total Capital	84	143	171	116	117	124	349	250	210	231
Total Debt/Capital (%)	24.45	42.75	57.77	31.56	16.77	11.91	65.85	50.4	37.04	37.96
Total Debt / EV	-0.42	5.1	2.23	1.79	-0.26	-0.08	2.44	3.93	23.88	1.08
EV/Sales	- -	0.26	0.94	0.41	- -	- -	1.58	0.55	0.06	1.2
EV/EBITDA	- -	7.94	32.29	15.01	- -	- -	54.91	19.07	1.62	47.17
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	0.87	2.76	2.11	- -	- -	3.75	3.65	0.24	7.61
EV/Free Cash Flow to Firm	- -	0.81	2.49	1.82	- -	- -	3.44	3.5	0.22	7.29
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	- -	6.4	19.31	8.32	- -	- -	37.94	13.05	1.33	33.95
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)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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	-49	12	44	20	-77	-174	94	32	3	81
Low Price	22.1	27.25	39.27	39	29.25	34.5	43.1	40.26	37.9	42.5
EV/Sales	- -	0.26	0.94	0.41	- -	- -	1.58	0.55	0.06	1.2
EV/EBITDA	- -	7.94	32.29	15.01	- -	- -	54.91	19.07	1.62	47.17
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	0.79	1.14	1.25	1.26	0.89	1.1	1.01	0.87	0.84	0.82
Price/Book Value Average	0.72	0.97	1.35	1.27	0.86	0.99	0.98	0.9	0.78	0.76
Price/Book Value High	0.79	1.14	1.42	1.31	1.03	1.11	1.02	0.97	0.84	0.82
Price/Book Value Low	0.64	0.77	1.25	1.21	0.74	0.78	0.9	0.8	0.7	0.71
Price/Tangible Book Value	0.8	1.09	1	0.99	0.73	0.94	0.97	0.85	0.83	0.78
Price/Tangible Book Value Average	0.73	0.93	1.08	1	0.71	0.85	0.94	0.87	0.76	0.73
Price/Tangible Book Value High	0.8	1.09	1.13	1.04	0.85	0.95	0.98	0.94	0.83	0.79
Price/Tangible Book Value Low	0.64	0.74	1	0.95	0.61	0.67	0.86	0.78	0.69	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	0.56	1.98	3.35	2.45	0.26	- -	5.24	3.6	2.35	2.23
EV/Sales High	0.66	2.23	3.45	2.53	0.49	- -	5.31	3.75	2.51	2.37
EV/Sales Low	0.45	1.69	3.2	2.35	0.11	- -	5.06	3.39	2.19	2.12
EV/EBITDA Average	15.15	60.49	114.77	90.25	12.12	-28.32	182.04	124.91	68.76	87.49
EV/EBITDA High	17.79	68.15	118.25	93.06	22.89	-20.86	184.65	130.08	73.31	93
EV/EBITDA Low	12.21	51.71	109.5	86.75	4.94	-41.27	176.01	117.68	64.01	83.28
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	27	91	157	123	19	-50	312	210	138	150
Enterprise Value High	31	103	162	127	37	-37	316	219	147	160
Enterprise Value Low	22	78	150	118	8	-73	302	198	128	143

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
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	65.44	74.82	62.97	47.19	74.3	124.98	103.45	82.21	75.86	51.91
Book Value per Share	34.78	35.37	31.43	32.35	39.59	44.07	48.04	50.46	53.87	60.17
Tangible Book Value per Share	34.38	37.02	39.29	40.94	48.01	51.61	50.13	51.92	54.81	62.54

Tri-County Financial Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)