W.T.B. Financial Corporation Financial Ratios — WTBFB Stock

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 (%)	- -	15.39	14.32	12.88	10.84	13.04	13.53	6.25	6.06	9.68
Return on Assets (%)	- -	1.34	1.3	1.21	0.9	0.96	1.06	0.51	0.5	0.87
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	34.52	34.16	36.11	35.19	28.82	34.89	38.23	20.78	20.02	28.48
Profit Margin (%)	22.48	16.21	28.72	27.45	22.47	27.26	29.91	16.31	15.76	22.19
Net Income to Common Margin (%)	22.48	16.21	28.72	27.45	22.47	27.26	29.91	16.31	15.76	22.19
Effective Tax Rate (%)	34.87	52.54	20.47	21.97	22.04	21.85	21.76	21.49	21.26	22.08
Dvd Payout Ratio (%)	14.76	20.47	14.15	21.46	24.59	23.79	22.89	33.2	33.14	24.18
Sustainable Growth Rate (%)	- -	12.24	12.29	10.11	8.17	9.94	10.44	4.17	4.05	7.34

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
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	18	37	13	1,929	540	288
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	20	18	37	13	1,929	540	288
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	8.7	9.41	9.44	7.45	7.24	8.47	7.91	8.72	9.36
Long-Term Debt/Equity (%)	- -	- -	- -	2.87	2.17	4.47	1.55	214.9	57.77	28.82
Long-Term Debt/Capital (%)	- -	- -	- -	2.87	2.34	4.43	1.5	68.06	36.56	22.38
Long-Term Debt/Total Assets (%)	- -	- -	- -	0.28	0.18	0.34	0.13	16.85	5.03	2.7
Total Debt/Equity (%)	- -	- -	- -	2.87	2.17	4.47	1.55	214.9	57.77	28.82
Total Debt/Capital (%)	- -	- -	- -	2.87	2.34	4.43	1.5	68.06	36.56	22.38
Total Debt/Total Assets (%)	- -	- -	- -	0.28	0.18	0.34	0.13	16.85	5.03	2.7
Net Debt to Equity	- -	-161.08	-142.32	-90.03	-194.03	-246.04	-45.42	-127.59	-61.55	-71.08
Net Debt/Capital (%)	- -	274.32	356.09	-894.74	191.84	169.47	-78.42	-67.81	-63.8	-123.14
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-6	-16	-13	-38	-13	-5	-9	-7	-11	-18
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
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	- -	8.7	9.41	9.44	7.45	7.24	8.47	7.91	8.72	9.36
Long-Term Debt/Equity (%)	- -	- -	- -	2.87	2.17	4.47	1.55	214.9	57.77	28.82
Long-Term Debt/Capital (%)	- -	- -	- -	2.87	2.34	4.43	1.5	68.06	36.56	22.38
Long-Term Debt/Total Assets (%)	- -	- -	- -	0.28	0.18	0.34	0.13	16.85	5.03	2.7
Total Debt/Equity (%)	- -	- -	- -	2.87	2.17	4.47	1.55	214.9	57.77	28.82
Total Debt/Capital (%)	- -	- -	- -	2.87	2.34	4.43	1.5	68.06	36.56	22.38
Total Debt/Total Assets (%)	- -	- -	- -	0.28	0.18	0.34	0.13	16.85	5.03	2.7
CFO/Total Liabilities	- -	1.37	2.03	1.33	1.37	1.58	1.32	1.1	0.41	1.11
CFO/CapEx	7.42	4.94	9.52	2.25	9.31	33.61	14.78	17.7	3.67	5.92
Altman's Z-Score	- -	0.25	0.25	0.26	0.19	0.19	0.21	0.18	0.2	0.23

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
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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)

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	649	901	804	978	847	976	858	766	775	898
- Cash & Cash Equivalents	- -	855	858	627	1,565	2,049	394	1,145	575	711
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	20	18	37	13	1,929	540	288
Enterprise Value	649	46	-54	371	-700	-1,036	478	1,550	739	475
Total Capital	- -	543	617	697	749	840	896	2,834	1,476	1,289
Total Debt/Capital (%)	- -	- -	- -	2.87	2.34	4.43	1.5	68.06	36.56	22.38
Total Debt / EV	- -	- -	- -	0.05	-0.03	-0.04	0.03	1.24	0.73	0.61
EV/Sales	2.82	0.18	- -	1.22	- -	- -	1.25	4.53	2.09	1.12
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	14.5	0.59	- -	4.31	- -	- -	3.78	13.34	18.25	4.4
EV/Free Cash Flow to Firm	12.78	0.49	- -	2.99	- -	- -	3.54	12.63	14.34	3.77
Diluted Market Cap	650	904	807	980	848	977	859	767	775	899
Diluted Enterprise Value	650	49	-51	373	-700	-1,035	479	1,550	740	476
EV per Share	255	18.11	- -	145.41	- -	- -	189.94	618.83	295.87	193.1
TTM Sales	230	258	289	303	340	367	381	342	354	422
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	45	78	121	86	123	162	127	116	41	108
TTM Free Cash Flow to Firm	51	94	133	124	137	167	135	123	52	126

Multiples (USD)

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	12.81	9.63	6.06	7.88	6.21	5.87	6.36	6.25	15.04	7.13
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	649	46	-54	371	-700	-1,036	478	1,550	739	475
Low Price	186	250	314.85	311.3	228.01	334	328	242	237	279.99
EV/Sales	2.82	0.18	- -	1.22	- -	- -	1.25	4.53	2.09	1.12
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	12.54	21.56	9.68	11.74	11.1	9.76	7.53	13.72	13.88	9.58
Price/Earnings Average	10.34	17.7	11.2	11.09	9.89	9.75	7.95	13.29	12.62	8.19
Price/Earnings High	12.79	22.53	12.08	11.83	12.75	10.39	8.78	16.68	13.88	9.58
Price/Earnings Low	9.15	15.22	9.68	9.54	7.58	8.46	7.24	10.85	10.61	7.35
Price/Book Value	- -	1.66	1.3	1.45	1.16	1.22	0.97	0.85	0.83	0.9
Price/Book Value Average	- -	1.36	1.51	1.36	1.03	1.21	1.03	0.82	0.75	0.77
Price/Book Value High	- -	1.73	1.63	1.46	1.33	1.29	1.13	1.03	0.83	0.9
Price/Book Value Low	- -	1.17	1.3	1.17	0.79	1.05	0.94	0.67	0.63	0.69
Price/Tangible Book Value	- -	1.7	1.33	1.41	1.05	1.17	0.99	0.85	0.83	0.9
Price/Tangible Book Value Average	- -	1.39	1.54	1.33	0.94	1.17	1.05	0.83	0.75	0.77
Price/Tangible Book Value High	- -	1.77	1.67	1.42	1.21	1.25	1.16	1.04	0.83	0.9
Price/Tangible Book Value Low	- -	1.2	1.33	1.14	0.72	1.02	0.95	0.68	0.63	0.69
Price/Sales	2.82	3.49	2.78	3.22	2.49	2.66	2.25	2.24	2.19	2.13
Price/Sales Average	2.33	2.87	3.22	3.04	2.22	2.66	2.38	2.17	1.99	1.82
Price/Sales High	2.87	3.65	3.47	3.25	2.86	2.83	2.63	2.72	2.19	2.13
Price/Sales Low	2.06	2.47	2.78	2.62	1.7	2.31	2.16	1.77	1.67	1.63
Price/Cash Flow	14.5	11.54	6.67	11.36	6.87	6.03	6.78	6.6	19.12	8.32
Price/Cash Flow Average	11.96	9.47	7.72	10.73	6.12	6.03	7.16	6.39	17.39	7.12
Price/Cash Flow High	14.78	12.06	8.33	11.45	7.89	6.42	7.92	8.02	19.12	8.32
Price/Cash Flow Low	10.57	8.15	6.67	9.24	4.69	5.23	6.52	5.22	14.62	6.38
Price/Free Cash Flow Average	10.56	7.91	7.01	7.44	5.53	5.86	6.71	6.05	13.67	6.09
Price/Free Cash Flow High	13.06	10.07	7.56	7.94	7.13	6.25	7.42	7.59	15.04	7.13
Price/Free Cash Flow Low	9.34	6.8	6.06	6.41	4.24	5.09	6.12	4.94	11.5	5.47
EV/Sales Average	2.33	- -	0.25	1.04	- -	- -	1.38	4.46	1.89	0.82
EV/Sales High	2.87	0.34	0.5	1.25	- -	- -	1.63	5.01	2.09	1.12
EV/Sales Low	2.06	- -	- -	0.62	- -	- -	1.17	4.06	1.57	0.63
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	255	354	314.85	383	334	385	341.1	306	310	365
High Price	260	369.99	393	386	383.6	410	397.98	371.99	310	365
Enterprise Value Average	535	-115	72	317	-792	-1,037	526	1,526	669	345
Enterprise Value High	661	87	146	379	-575	-973	621	1,715	739	475
Enterprise Value Low	473	-219	-54	188	-969	-1,165	445	1,390	557	266

Shares Outstanding	- -	- -	3	3	3	3	3	3	3	2
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	2	2
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	2	2
Revenue per Share	90.45	101.3	113.23	118.82	133.93	144.73	151.51	136.67	141.67	171.71
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	20.33	16.42	32.52	32.62	30.09	39.46	45.32	22.3	22.33	38.1
Basic EPS from Cont Ops	20.33	16.42	32.52	32.62	30.09	39.46	45.32	22.3	22.33	38.1
Diluted EPS, GAAP	20.29	16.36	32.42	32.56	30.06	39.4	45.28	22.29	22.32	38.06
Diluted EPS from Cont Ops	20.29	16.36	32.42	32.56	30.06	39.4	45.28	22.29	22.32	38.06
Dividend per Share	3	3.36	4.6	7	7.4	9.39	10.37	7.4	7.4	9.21
Cash Flow per Share	17.59	30.68	47.2	33.7	48.64	63.82	50.28	46.39	16.21	43.86
Free Cash Flow per Basic Share	15.22	24.48	42.24	18.71	43.41	61.92	46.87	43.76	11.8	36.45
Cash & Equivalents per Share	- -	335.89	335.84	245.42	617.08	808.43	156.51	457.15	230.12	289.15
Book Value per Share	- -	213.44	241.53	265.02	288.51	316.71	350.73	361.36	374.82	406.7
Tangible Book Value per Share	- -	208.53	235.97	272.58	318.04	328.57	344.56	358.3	373.89	406.81

W.T.B. Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)