The Victory Bancorp, Inc. Financial Ratios — VTYB Stock

Profitability (USD)

	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2019 Y	2020 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	03/31/2019	12/31/2019	03/31/2020	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	- -	- -	- -	144.23	72.38	13.53	45.34	- -	35.47	43.9	30.28	14.73	10.44
Return on Assets (%)	- -	0.61	0.49	0.65	0.8	0.2	0.79	- -	0.63	0.9	0.85	0.49	0.37
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	- -	100	100	100	100	100
EBITDA Margin (%)	4.61	4.3	3.54	2.79	2.59	- -	2.34	- -	2.3	2.05	2.03	2.16	1.87
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	15.75	19.29	18.39	24.41	24.35	24.07	24.66	- -	23.12	31.36	29.58	19.6	15.18
Profit Margin (%)	9.05	14.63	11.93	14.73	18.99	19.13	19.11	- -	18.07	25.82	23.47	15.38	11.88
Net Income to Common Margin (%)	5.8	11.43	9.56	13.74	18.99	19.13	19.11	- -	18.07	25.82	23.47	15.38	11.88
Effective Tax Rate (%)	42.55	24.16	35.14	39.67	22	20.5	22.51	- -	21.88	17.67	20.68	21.52	21.75
Dvd Payout Ratio (%)	- -	- -	- -	3.05	8.21	- -	9.12	- -	17.14	14.81	18.38	23.91	30.87
Sustainable Growth Rate (%)	- -	- -	- -	139.83	66.44	13.53	41.21	- -	29.39	37.4	24.72	11.21	7.22

Credit (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2019 Y	2020 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	03/31/2019	12/31/2019	03/31/2020	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	13	24	31	15	9	10	11	18	28	23	17	49	33
ST Debt	- -	- -	- -	- -	2	- -	- -	- -	- -	- -	- -	32	12
LT Debt	13	24	31	15	7	10	11	18	28	23	17	17	21
Total Debt/EBITDA	43.28	81.62	112.36	57.28	35.6	- -	41.87	- -	97.27	74.37	51.73	162.89	125.48
Net Debt/EBITDA	37.07	72.61	103.73	44.68	12.77	- -	13.64	- -	-289.89	-251.49	26.56	121.57	84.56
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-1.23	-0.65	0.01	0.79	1.39	1.51	1.94	1.89	1.7	2.41	3.24	3.47	3.58
Long-Term Debt/Equity (%)	99.78	227.29	208.88	93.81	39.39	54.77	55.25	91.8	128.09	92.41	63.19	59.32	71.78
Long-Term Debt/Capital (%)	76.46	94.32	92.08	89.47	54.58	71.5	66.8	76.98	79.41	68.55	54.69	25.76	42.76
Long-Term Debt/Total Assets (%)	8.47	13.76	15.3	6.75	2.76	3.79	3.91	6.33	6.57	5.25	3.91	3.75	4.57
Total Debt/Equity (%)	99.78	227.29	208.88	93.81	52.33	54.77	55.25	91.8	128.09	92.41	63.19	175.43	111.63
Total Debt/Capital (%)	76.46	94.32	92.08	89.47	72.5	71.5	66.8	76.98	79.41	68.55	54.69	76.16	66.5
Total Debt/Total Assets (%)	8.47	13.76	15.3	6.75	3.66	3.79	3.91	6.33	6.57	5.25	3.91	11.09	7.1
Net Debt to Equity	85.47	202.21	192.83	73.17	18.77	11.2	18	64.59	-381.74	-312.49	32.44	130.93	75.23
Net Debt/Capital (%)	73.56	93.66	91.48	86.89	48.6	33.91	39.6	70.17	109.53	115.7	38.26	70.45	57.22
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2019 Y	2020 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	03/31/2019	12/31/2019	03/31/2020	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-1.23	-0.65	0.01	0.79	1.39	1.51	1.94	1.89	1.7	2.41	3.24	3.47	3.58
Long-Term Debt/Equity (%)	99.78	227.29	208.88	93.81	39.39	54.77	55.25	91.8	128.09	92.41	63.19	59.32	71.78
Long-Term Debt/Capital (%)	76.46	94.32	92.08	89.47	54.58	71.5	66.8	76.98	79.41	68.55	54.69	25.76	42.76
Long-Term Debt/Total Assets (%)	8.47	13.76	15.3	6.75	2.76	3.79	3.91	6.33	6.57	5.25	3.91	3.75	4.57
Total Debt/Equity (%)	99.78	227.29	208.88	93.81	52.33	54.77	55.25	91.8	128.09	92.41	63.19	175.43	111.63
Total Debt/Capital (%)	76.46	94.32	92.08	89.47	72.5	71.5	66.8	76.98	79.41	68.55	54.69	76.16	66.5
Total Debt/Total Assets (%)	8.47	13.76	15.3	6.75	3.66	3.79	3.91	6.33	6.57	5.25	3.91	11.09	7.1
CFO/Total Liabilities	1.2	0.75	0.57	1.45	1.01	- -	1.1	- -	- -	1.69	-3.69	5.37	0.6
CFO/CapEx	8.92	11.25	6.13	16.04	14.3	- -	16.65	- -	-0.05	26.46	-39.92	180.78	5.31
Altman's Z-Score	0.02	0.02	0.03	0.04	0.08	0.06	0.1	0.02	0.07	0.1	0.12	0.11	0.1

Working Capital (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2019 Y	2020 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	03/31/2019	12/31/2019	03/31/2020	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Accounts Receivable Turnover	- -	15.73	16.03	16.08	13.73	3.29	14.77	- -	13.14	14.34	13.13	9.38	8.76
Days Sales Outstanding	- -	23.2	22.77	22.7	26.59	111	24.71	- -	27.78	25.45	27.79	38.93	41.67
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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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2019 Y	2020 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	03/31/2019	12/31/2019	03/31/2020	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	- -	- -	- -	- -	14	16	20	- -	19	25	29	22	21
- Cash & Cash Equivalents	2	3	2	3	6	8	7	5	112	102	8	12	11
+ Preferred Equity and Hybrid Capital	6	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	13	24	31	15	9	10	11	18	28	23	17	49	33
Enterprise Value	16	23	27	6	8	9	13	2	-78	-77	-1	23	10
Total Capital	17	26	33	17	13	14	16	24	36	34	30	64	49
Total Debt/Capital (%)	76.46	94.32	92.08	89.47	72.5	71.5	66.8	76.98	79.41	68.55	54.69	76.16	66.5
Total Debt / EV	0.84	1.05	1.13	2.63	1.19	1.12	0.87	8.3	-0.36	-0.3	-14.25	2.12	3.18
EV/Sales	2.38	3.34	3.52	0.61	0.77	3.36	1.13	- -	- -	- -	- -	1.66	0.74
EV/EBITDA	51.65	77.7	99.4	21.75	29.92	- -	47.98	- -	- -	- -	- -	76.67	39.45
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	9.24	18.72	25.58	1.91	3.28	- -	4.4	- -	- -	- -	- -	1.04	3.94
EV/Free Cash Flow to Firm	8.31	17.19	21.99	1.79	3.07	- -	4.15	- -	- -	- -	- -	1.03	3.32
Diluted Market Cap	- -	- -	- -	- -	14	16	21	- -	19	27	30	23	22
Diluted Enterprise Value	17	24	31	12	17	18	24	13	-65	-52	39	60	44
EV per Share	8.16	11.87	13.92	3.3	3.97	4.54	6.42	- -	- -	- -	- -	11.71	5.22
TTM Sales	7	7	8	9	10	3	11	- -	13	15	16	14	14
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	1	1	3	2	- -	3	- -	- -	7	-15	22	3
TTM Free Cash Flow to Firm	2	1	1	3	3	- -	3	- -	- -	7	-14	22	3

Multiples (USD)

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	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2019 Y	2020 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	03/31/2019	12/31/2019	03/31/2020	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	- -	- -	- -	- -	5.6	- -	6.85	- -	77.35	3.61	-2.13	1.03	6.98
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	16	23	27	6	8	9	13	2	-78	-77	-1	23	10
Low Price	- -	- -	- -	- -	7.25	6.9	6.9	5.75	5.75	8.98	13.08	9.6	9.27
EV/Sales	2.38	3.34	3.52	0.61	0.77	3.36	1.13	- -	- -	- -	- -	1.66	0.74
EV/EBITDA	51.65	77.7	99.4	21.75	29.92	- -	47.98	- -	- -	- -	- -	76.67	39.45
Price/Earnings	- -	- -	- -	- -	7.44	32.11	9.42	- -	8.36	6.45	7.91	10.45	12.71
Price/Earnings Average	- -	- -	- -	- -	8.31	30.86	8.34	- -	7.41	5.98	7.52	11.68	12.47
Price/Earnings High	- -	- -	- -	- -	8.98	33.86	9.8	- -	9.64	6.91	8	14.55	14.19
Price/Earnings Low	- -	- -	- -	- -	7.44	26.7	6.33	- -	4.93	4.43	6.96	8.84	11
Price/Book Value	- -	- -	- -	- -	4.04	4.1	3.69	- -	2.6	2.39	2.13	1.46	1.28
Price/Book Value Average	- -	- -	- -	- -	4.51	3.93	3.27	- -	2.3	2.21	2.03	1.63	1.26
Price/Book Value High	- -	- -	- -	- -	4.88	4.32	3.84	- -	3	2.56	2.15	2.03	1.43
Price/Book Value Low	- -	- -	- -	- -	4.04	3.4	2.48	- -	1.53	1.64	1.88	1.23	1.11
Price/Tangible Book Value	- -	- -	- -	- -	0.8	0.89	1.01	- -	0.86	1.01	1.12	0.8	0.72
Price/Tangible Book Value Average	- -	- -	- -	- -	0.9	0.86	0.9	- -	0.77	0.94	1.06	0.89	0.71
Price/Tangible Book Value High	- -	- -	- -	- -	0.97	0.94	1.05	- -	1	1.08	1.13	1.11	0.8
Price/Tangible Book Value Low	- -	- -	- -	- -	0.8	0.74	0.68	- -	0.51	0.7	0.98	0.68	0.62
Price/Sales	- -	- -	- -	- -	1.41	6.14	1.8	- -	1.51	1.67	1.86	1.61	1.51
Price/Sales Average	- -	- -	- -	- -	1.58	5.9	1.59	- -	1.34	1.54	1.76	1.8	1.48
Price/Sales High	- -	- -	- -	- -	1.71	6.48	1.87	- -	1.74	1.78	1.88	2.24	1.69
Price/Sales Low	- -	- -	- -	- -	1.41	5.11	1.21	- -	0.89	1.14	1.63	1.36	1.31
Price/Cash Flow	- -	- -	- -	- -	5.99	- -	7.04	- -	-1,584.44	3.59	-1.99	1.01	8.09
Price/Cash Flow Average	- -	- -	- -	- -	6.69	- -	6.23	- -	-1,404.82	3.33	-1.89	1.12	7.94
Price/Cash Flow High	- -	- -	- -	- -	7.23	- -	7.32	- -	-1,828.2	3.85	-2.01	1.4	9.03
Price/Cash Flow Low	- -	- -	- -	- -	5.99	- -	4.73	- -	-934.41	2.47	-1.75	0.85	7
Price/Free Cash Flow Average	- -	- -	- -	- -	6.25	- -	6.06	- -	68.58	3.35	-2.02	1.15	6.84
Price/Free Cash Flow High	- -	- -	- -	- -	6.76	- -	7.12	- -	89.24	3.87	-2.15	1.43	7.79
Price/Free Cash Flow Low	- -	- -	- -	- -	5.6	- -	4.6	- -	45.61	2.48	-1.87	0.87	6.04
EV/Sales Average	2.61	3.5	4.01	1.25	1.91	6.67	1.91	- -	- -	- -	2.3	4.43	3.06
EV/Sales High	2.61	3.5	4.01	1.25	2.04	7.25	2.19	- -	- -	- -	2.42	4.87	3.26
EV/Sales Low	2.61	3.5	4.01	1.25	1.74	5.88	1.53	- -	- -	- -	2.17	3.99	2.89
EV/EBITDA Average	56.71	81.39	113.31	44.68	73.72	- -	81.62	- -	-231.76	-176.03	113.36	204.62	163.94
EV/EBITDA High	56.71	81.39	113.31	44.68	78.65	- -	93.51	- -	-214.24	-164.26	118.86	225.05	174.9
EV/EBITDA Low	56.71	81.39	113.31	44.68	67.36	- -	65.19	- -	-251.22	-195.54	106.94	184.44	154.64
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	7.25	8.3	10.28	7.95	9.75	13.07	14.86	11.35	10.71
High Price	- -	- -	- -	- -	8.75	8.75	10.69	11.25	11.25	14	15.02	15.8	11.95
Enterprise Value Average	17	24	31	12	19	18	21	13	-67	-55	36	62	43
Enterprise Value High	17	24	31	12	20	19	24	13	-62	-51	38	68	46
Enterprise Value Low	17	24	31	12	17	15	17	13	-73	-61	34	56	40

Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	- -	2	2	2	2	2
Basic Weighted Avg Shares	2	2	2	2	2	2	2	- -	2	2	2	2	2
Revenue per Share	3.43	3.55	3.96	5.43	5.13	1.35	5.71	- -	6.46	7.85	8.01	7.06	7.09
EBITDA per Share	0.16	0.15	0.14	0.15	0.13	- -	0.13	- -	0.15	0.16	0.16	0.15	0.13
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.2	0.41	0.38	0.75	0.97	0.26	1.09	- -	1.17	2.03	1.88	1.09	0.84
Basic EPS from Cont Ops	0.31	0.52	0.47	0.8	0.97	0.26	1.09	- -	1.17	2.03	1.88	1.09	0.84
Diluted EPS, GAAP	0.2	0.41	0.38	0.75	0.97	0.26	1.06	- -	1.14	1.94	1.8	1.06	0.82
Diluted EPS from Cont Ops	0.31	0.52	0.47	0.8	0.97	0.26	1.06	- -	1.14	1.94	1.8	1.06	0.82
Dividend per Share	0.11	0.11	0.09	0.08	0.08	- -	0.1	- -	0.2	0.3	0.35	0.26	0.26
Cash Flow per Share	0.88	0.63	0.54	1.73	1.21	- -	1.46	- -	-0.01	3.64	-7.47	11.28	1.32
Free Cash Flow per Basic Share	0.78	0.58	0.46	1.62	1.13	- -	1.37	- -	-0.14	3.5	-7.66	11.22	1.07
Cash & Equivalents per Share	1.78	1.94	3.16	5.39	8	8.85	9.46	- -	64.4	64.65	23.87	24.52	22.09
Book Value per Share	-1	-0.59	0.01	1.02	1.79	2.03	2.78	- -	3.75	5.48	6.98	7.78	8.36
Tangible Book Value per Share	3.75	4.15	6.19	9.26	9.04	9.29	10.14	- -	11.29	12.92	13.32	14.18	14.87

The Victory Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)