Westbury Bancorp, Inc. Financial Ratios — WBBW Stock

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
Return on Common Equity (%)	- -	-15.58	- -	2.03	-3.12	7.5	6.87	5.31	7.34	10.95	10.32	12.17
Return on Assets (%)	- -	-1.27	- -	0.18	-0.26	0.58	0.52	0.38	0.52	0.82	0.83	1.05
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	- -	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	10.45	9.85	- -	5.51	4.68	4.78	4.62	3.63	3.18	3.28	4.17	4.11
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-10.58	-33.33	- -	5.12	-11.46	6.42	20.09	16.2	24.57	29.78	29.93	35.69
Profit Margin (%)	-5.07	-28.8	- -	3.73	-6.31	13.94	12.78	10.22	14.11	21.55	21.54	25.6
Net Income to Common Margin (%)	-5.07	-28.8	- -	3.73	-6.31	13.94	12.78	10.22	14.11	21.55	21.54	25.6
Effective Tax Rate (%)	- -	- -	- -	27.06	- -	- -	36.39	36.89	42.56	27.63	28.04	28.27
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-15.58	- -	2.03	-3.12	7.5	6.87	5.31	7.34	10.95	10.32	12.17

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
Total Debt	10	3	1	- -	17	36	20	24	51	30	22	15
ST Debt	- -	- -	- -	- -	- -	18	- -	4	27	26	- -	10
LT Debt	10	3	1	- -	17	18	20	20	24	4	22	5
Total Debt/EBITDA	3.54	1.32	- -	- -	15.96	29.78	15.95	23.76	53.85	28.77	15.42	9.8
Net Debt/EBITDA	-13.62	-6.93	- -	-34.42	-0.57	16.14	-7.67	1.63	34.33	0.65	-17.3	-8.59
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.43	7.8	8.68	8.59	7.96	7.63	7.43	6.97	7.28	7.75	8.29	9.01
Long-Term Debt/Equity (%)	19.43	7.46	2.68	- -	19.66	22.84	25.12	24.67	31.13	5.03	27.32	5.88
Long-Term Debt/Capital (%)	16.4	7.08	2.67	- -	27.31	21.23	27.69	25.29	21.73	4.3	22.66	5.1
Long-Term Debt/Total Assets (%)	1.65	0.59	0.24	- -	2.99	2.82	2.85	2.53	2.94	0.49	2.43	0.54
Total Debt/Equity (%)	19.43	7.46	2.68	- -	19.66	45.68	25.12	29.6	66.15	36.57	27.32	17.64
Total Debt/Capital (%)	16.4	7.08	2.67	- -	27.31	42.47	27.69	30.35	46.18	31.25	22.66	15.3
Total Debt/Total Assets (%)	1.65	0.59	0.24	- -	2.99	5.63	2.85	3.04	6.25	3.52	2.43	1.63
Net Debt to Equity	-74.87	-39.16	-68.04	-52.61	-0.7	24.76	-12.07	2.03	42.16	0.82	-30.65	-15.47
Net Debt/Capital (%)	-309.35	-66.75	-231.07	4,819.51	-1.36	28.58	-22.55	2.9	35.36	1.66	-48.96	-18.82
EBITDA	3	3	- -	1	1	1	1	1	1	1	1	2
EBITDA-CapEx	2	2	- -	1	-1	-2	1	- -	1	-5	-3	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.43	7.8	8.68	8.59	7.96	7.63	7.43	6.97	7.28	7.75	8.29	9.01
Long-Term Debt/Equity (%)	19.43	7.46	2.68	- -	19.66	22.84	25.12	24.67	31.13	5.03	27.32	5.88
Long-Term Debt/Capital (%)	16.4	7.08	2.67	- -	27.31	21.23	27.69	25.29	21.73	4.3	22.66	5.1
Long-Term Debt/Total Assets (%)	1.65	0.59	0.24	- -	2.99	2.82	2.85	2.53	2.94	0.49	2.43	0.54
Total Debt/Equity (%)	19.43	7.46	2.68	- -	19.66	45.68	25.12	29.6	66.15	36.57	27.32	17.64
Total Debt/Capital (%)	16.4	7.08	2.67	- -	27.31	42.47	27.69	30.35	46.18	31.25	22.66	15.3
Total Debt/Total Assets (%)	1.65	0.59	0.24	- -	2.99	5.63	2.85	3.04	6.25	3.52	2.43	1.63
CFO/Total Liabilities	0.99	1.14	- -	1.61	1.06	1.27	1.08	1.15	1.52	1.01	1.29	1.88
CFO/CapEx	8.83	17.44	- -	25.55	2.44	1.95	13.33	5.66	31.75	1.29	2.35	52.46
Altman's Z-Score	0.16	0.16	0.12	0.26	0.24	0.23	0.21	0.19	0.2	0.21	0.19	0.17

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
Market Capitalization	- -	- -	- -	67	71	74	72	72	76	82	56	- -
- Cash & Cash Equivalents	50	21	33	48	18	16	30	22	18	55	46	28
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	10	3	1	- -	17	36	20	24	51	30	22	15
Enterprise Value	-110	-117	-96	-86	-20	13	-31	-48	5	-46	-64	-193
Total Capital	63	49	47	47	62	85	72	79	110	96	95	98
Total Debt/Capital (%)	16.4	7.08	2.67	- -	27.31	42.47	27.69	30.35	46.18	31.25	22.66	15.3
Total Debt / EV	-0.09	-0.03	-0.01	- -	-0.84	2.82	-0.64	-0.5	11.05	-0.66	-0.34	-0.08
EV/Sales	- -	- -	- -	- -	- -	0.51	- -	- -	0.15	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	10.57	- -	- -	4.87	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	1.79	- -	- -	0.41	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	1.19	- -	- -	0.4	- -	- -	- -
Diluted Market Cap	- -	- -	- -	67	71	74	73	74	78	84	57	- -
Diluted Enterprise Value	-40	-18	-32	20	70	93	63	76	111	59	33	-13
EV per Share	- -	- -	- -	- -	- -	3.1	- -	- -	1.33	- -	- -	- -
TTM Sales	28	26	- -	25	23	25	27	28	30	32	34	37
TTM EBITDA	3	3	- -	1	1	1	1	1	1	1	1	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	6	6	- -	7	5	7	7	8	11	8	10	16
TTM Free Cash Flow to Firm	6	6	- -	8	7	11	7	10	12	14	15	16

Multiples (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
Price/Free Cash Flow	- -	- -	- -	8.89	9.86	6.83	10.03	7.77	6.75	6.09	3.84	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-110	-117	-96	-86	-20	13	-31	-48	5	-46	-64	-193
Low Price	- -	- -	- -	13.02	13.81	14.79	17.22	19.04	19.59	19.77	17.97	19.65
EV/Sales	- -	- -	- -	- -	- -	0.51	- -	- -	0.15	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	10.57	- -	- -	4.87	- -	- -	- -
Price/Earnings	- -	- -	- -	71.95	- -	20.87	20.8	25.46	18.14	11.91	7.7	- -
Price/Earnings Average	- -	- -	- -	68.73	-47.51	19.56	20.09	26.15	18.35	10.76	8.96	- -
Price/Earnings High	- -	- -	- -	72.7	-49.92	21.77	21.58	29.35	20.99	12.15	11.37	- -
Price/Earnings Low	- -	- -	- -	65.78	-45.24	17.32	18.34	24.3	16.16	9.2	6.95	- -
Price/Book Value	- -	- -	- -	1.45	1.56	1.51	1.38	1.32	1.28	1.24	0.76	- -
Price/Book Value Average	- -	- -	- -	1.38	1.51	1.41	1.34	1.35	1.3	1.12	0.88	- -
Price/Book Value High	- -	- -	- -	1.46	1.58	1.57	1.43	1.52	1.49	1.26	1.12	- -
Price/Book Value Low	- -	- -	- -	1.32	1.43	1.25	1.22	1.26	1.14	0.96	0.68	- -
Price/Tangible Book Value	- -	- -	- -	0.76	0.83	0.95	0.92	0.9	1	1	0.71	- -
Price/Tangible Book Value Average	- -	- -	- -	0.73	0.8	0.89	0.88	0.93	1.01	0.9	0.82	- -
Price/Tangible Book Value High	- -	- -	- -	0.77	0.84	0.99	0.95	1.04	1.15	1.02	1.04	- -
Price/Tangible Book Value Low	- -	- -	- -	0.7	0.76	0.79	0.81	0.86	0.89	0.77	0.64	- -
Price/Sales	- -	- -	- -	2.69	3.11	2.91	2.66	2.6	2.56	2.57	1.66	- -
Price/Sales Average	- -	- -	- -	2.57	3	2.73	2.57	2.67	2.59	2.32	1.93	- -
Price/Sales High	- -	- -	- -	2.71	3.15	3.04	2.76	3	2.96	2.62	2.45	- -
Price/Sales Low	- -	- -	- -	2.46	2.85	2.42	2.34	2.48	2.28	1.98	1.5	- -
Price/Cash Flow	- -	- -	- -	9.24	13.9	10.33	10.68	8.9	6.79	10.5	5.31	- -
Price/Cash Flow Average	- -	- -	- -	8.82	13.39	9.68	10.32	9.14	6.86	9.49	6.18	- -
Price/Cash Flow High	- -	- -	- -	9.33	14.07	10.78	11.08	10.26	7.85	10.7	7.84	- -
Price/Cash Flow Low	- -	- -	- -	8.45	12.75	8.57	9.42	8.49	6.04	8.11	4.79	- -
Price/Free Cash Flow Average	- -	- -	- -	8.49	9.5	6.4	9.69	7.98	6.83	5.5	4.46	- -
Price/Free Cash Flow High	- -	- -	- -	8.98	9.98	7.13	10.4	8.96	7.81	6.21	5.67	- -
Price/Free Cash Flow Low	- -	- -	- -	8.13	9.05	5.67	8.84	7.41	6.01	4.7	3.46	- -
EV/Sales Average	- -	- -	- -	0.67	2.97	3.5	2.21	2.73	3.68	1.53	1.21	- -
EV/Sales High	- -	- -	- -	0.82	3.12	3.81	2.4	3.06	4.05	1.82	1.73	- -
EV/Sales Low	- -	- -	- -	0.56	2.83	3.19	1.99	2.54	3.37	1.19	0.78	- -
EV/EBITDA Average	-13.62	-6.93	- -	12.13	63.44	73.15	47.95	75.33	115.79	46.56	28.97	-8.59
EV/EBITDA High	-13.62	-6.93	- -	14.82	66.7	79.6	52.05	84.36	127.53	55.63	41.43	-8.59
EV/EBITDA Low	-13.62	-6.93	- -	10.14	60.39	66.63	43.09	70.12	106.07	36.28	18.6	-8.59
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	14.24	15.05	17.82	19.53	19.95	22	25.6	19.9	28.95
High Price	- -	- -	- -	14.39	15.24	18.59	20.26	23	25.45	26.1	29.4	29.5
Enterprise Value Average	-40	-18	-32	17	68	88	60	76	110	49	40	-13
Enterprise Value High	-40	-18	-32	21	71	96	65	85	121	58	58	-13
Enterprise Value Low	-40	-18	-32	14	64	81	54	71	100	38	26	-13

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
Shares Outstanding	5	5	5	5	5	4	4	4	4	3	3	3
Diluted Weighted Avg Shares	5	5	- -	5	5	4	4	4	4	3	3	- -
Basic Weighted Avg Shares	5	5	- -	5	5	4	4	4	3	3	3	- -
Revenue per Share	5.44	5.14	- -	5.3	4.84	6.12	7.35	7.67	8.59	9.97	12	- -
EBITDA per Share	0.57	0.51	- -	0.29	0.23	0.29	0.34	0.28	0.27	0.33	0.5	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.28	-1.48	- -	0.2	-0.31	0.85	0.94	0.78	1.21	2.15	2.59	- -
Basic EPS from Cont Ops	-0.28	-1.48	- -	0.2	-0.31	0.85	0.94	0.78	1.21	2.15	2.59	- -
Diluted EPS, GAAP	-0.28	-1.48	- -	0.2	-0.31	0.85	0.93	0.76	1.18	2.09	2.51	- -
Diluted EPS from Cont Ops	-0.28	-1.48	- -	0.2	-0.31	0.85	0.93	0.76	1.18	2.09	2.51	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1.1	1.18	- -	1.54	1.08	1.73	1.83	2.24	3.24	2.44	3.75	- -
Free Cash Flow per Basic Share	0.97	1.12	- -	1.48	0.64	0.84	1.69	1.85	3.14	0.55	2.16	- -
Cash & Equivalents per Share	23.43	23.45	- -	32.36	22.96	23.45	33.38	39.9	35.37	49.29	50.37	- -
Book Value per Share	10.25	8.77	- -	9.85	9.62	11.82	14.13	15.16	17.14	20.7	26.35	- -
Tangible Book Value per Share	9.8	8.5	- -	18.73	18.05	18.8	21.33	22.12	22.05	25.59	28.14	- -

Westbury Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)