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
As of date	12/31/2010	12/31/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021

Return on Common Equity (%)	- -	-15.34	- -	1.36	-1.62	4.26	4.38	3.54	5.32	8.63	8.95	11.63
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 (%)	- -	-15.34	- -	1.36	-1.62	4.26	4.38	3.54	5.32	8.63	8.95	11.63

Credit (USD)

Credit Ratios API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
As of date	12/31/2010	12/31/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021

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	8.51	7.97	8.9	16.68	15.21	12.34	11.33	10.26	9.45	9.64	8.89	9.22
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 (%)	16.27	6.94	2.61	- -	16.43	15.68	20.07	19.03	18.73	3.69	21.46	5
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 (%)	16.27	6.94	2.61	- -	16.43	31.36	20.07	22.84	39.81	26.78	21.46	15
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 (%)	-297.99	-64.36	-212.91	-111.01	-0.71	19.84	-13.73	1.99	29.66	1.19	-44.2	-18.31
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)

Liquidity Ratios API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
As of date	12/31/2010	12/31/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.51	7.97	8.9	16.68	15.21	12.34	11.33	10.26	9.45	9.64	8.89	9.22
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 (%)	16.27	6.94	2.61	- -	16.43	15.68	20.07	19.03	18.73	3.69	21.46	5
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 (%)	16.27	6.94	2.61	- -	16.43	31.36	20.07	22.84	39.81	26.78	21.46	15
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	0.25	0.23	0.22	0.2	0.2	0.21	0.19	0.22

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
As of date	12/31/2010	12/31/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021

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)

Enterprise Value API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
As of date	12/31/2010	12/31/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021

Market Capitalization	- -	- -	- -	73	76	77	80	80	81	86	55	77
- 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	-80	-15	16	-23	-41	9	-41	-64	-116
Total Capital	64	50	48	91	103	115	100	105	128	113	100	100
Total Debt/Capital (%)	16.27	6.94	2.61	- -	16.43	31.36	20.07	22.84	39.81	26.78	21.46	15
Total Debt / EV	-0.09	-0.03	-0.01	- -	-1.17	2.2	-0.86	-0.59	5.69	-0.73	-0.34	-0.13
EV/Sales	- -	- -	- -	- -	- -	0.65	- -	- -	0.3	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	13.54	- -	- -	9.47	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	2.3	- -	- -	0.8	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	1.52	- -	- -	0.77	- -	- -	- -
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	- -	- -	- -	- -	- -	3.78	- -	- -	2.45	- -	- -	- -
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)

Valuation Multiples API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y
As of date	12/31/2010	12/31/2011	09/30/2012	09/30/2013	09/30/2014	09/30/2015	09/30/2016	09/30/2017	09/30/2018	09/30/2019	09/30/2020	09/30/2021

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	-80	-15	16	-23	-41	9	-41	-64	-116
Low Price	- -	- -	- -	13.02	13.81	14.79	17.22	19.04	19.59	19.77	17.97	19.65
EV/Sales	- -	- -	- -	- -	- -	0.65	- -	- -	0.3	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	13.54	- -	- -	9.47	- -	- -	- -
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	- -	- -	- -	0.81	0.88	0.98	1.01	0.99	1.05	1.05	0.7	0.91
Price/Book Value Average	- -	- -	- -	0.77	0.85	0.92	0.97	1.01	1.06	0.95	0.82	0.83
Price/Book Value High	- -	- -	- -	0.82	0.89	1.02	1.04	1.14	1.21	1.07	1.04	0.92
Price/Book Value Low	- -	- -	- -	0.74	0.81	0.81	0.89	0.94	0.93	0.81	0.63	0.62
Price/Tangible Book Value	- -	- -	- -	0.82	0.9	0.99	1.02	0.99	1.05	1.05	0.71	0.91
Price/Tangible Book Value Average	- -	- -	- -	0.79	0.87	0.93	0.98	1.02	1.07	0.95	0.82	0.83
Price/Tangible Book Value High	- -	- -	- -	0.83	0.91	1.04	1.05	1.15	1.22	1.07	1.04	0.93
Price/Tangible Book Value Low	- -	- -	- -	0.75	0.83	0.83	0.9	0.95	0.94	0.81	0.64	0.62
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	- -	- -	- -	0.89	3.21	3.63	2.49	3.01	3.83	1.65	1.2	1.54
EV/Sales High	- -	- -	- -	1.05	3.37	3.96	2.7	3.37	4.22	1.96	1.72	1.76
EV/Sales Low	- -	- -	- -	0.77	3.05	3.31	2.24	2.8	3.5	1.29	0.77	1.05
EV/EBITDA Average	-13.62	-6.93	- -	16.09	68.54	75.94	54	82.94	120.44	50.24	28.87	37.51
EV/EBITDA High	-13.62	-6.93	- -	19.02	72.05	82.7	58.55	92.9	132.85	59.8	41.3	42.7
EV/EBITDA Low	-13.62	-6.93	- -	13.93	65.24	69.1	48.62	77.19	110.16	39.43	18.52	25.57
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	22	73	92	68	84	114	53	40	57
Enterprise Value High	-40	-18	-32	26	77	100	73	94	126	63	58	65
Enterprise Value Low	-40	-18	-32	19	69	84	61	78	104	41	26	39

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	18.99	29.82	21.27	22.35	30.1	36.17	33.47	46.85	50.49	78.1
Book Value per Share	10.35	8.97	9.11	17.62	17.04	18.21	19.43	20.23	21.03	24.46	28.32	31.94
Tangible Book Value per Share	9.8	8.5	8.74	17.26	16.72	17.93	19.23	20.05	20.86	24.32	28.2	31.88

Westbury Bancorp, Inc.