Ratios	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	―	0.05	0.05	0.07	0.15
Quick Ratio	―	0.05	0.05	0.07	0.15
Cash Ratio	―	0.05	0.05	0.07	0.13
Solvency Ratio	―	>-0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	―	>-0.01	<0.01	0.02	<0.01
Short-Term Operating Cash Flow Coverage	―	0.00	0.00	0.00	0.00
Net Current Asset Value	$ ―	$ -281.63M	$ -274.74M	$ -230.23M	$ -205.21M
Leverage Ratios
Debt-to-Assets Ratio	―	0.06	0.14	0.02	0.03
Debt-to-Equity Ratio	―	0.62	1.36	0.20	0.20
Debt-to-Capital Ratio	―	0.38	0.58	0.17	0.17
Long-Term Debt-to-Capital Ratio	―	0.38	0.58	0.17	0.17
Financial Leverage Ratio	―	9.70	9.40	8.28	7.82
Debt Service Coverage Ratio	―	>-0.01	<0.01	2.36	3.59
Interest Coverage Ratio	―	-0.05	-0.04	2.84	4.03
Debt to Market Cap	―	0.63	1.84	0.23	0.20
Interest Debt Per Share	―	11.02	19.16	2.89	2.88
Net Debt to EBITDA	―	-56.44	889.77	-3.45	-9.07
Profitability Margins
Gross Profit Margin	―	52.75%	66.29%	92.72%	94.76%
EBIT Margin	―	-2.27%	-1.38%	20.71%	21.12%
EBITDA Margin	―	-0.76%	0.26%	22.92%	25.34%
Operating Profit Margin	―	-2.27%	-1.38%	20.71%	21.12%
Pretax Profit Margin	―	-2.27%	-1.38%	20.71%	21.12%
Net Profit Margin	―	-1.87%	-1.60%	15.01%	14.62%
Continuous Operations Profit Margin	―	-1.87%	-1.60%	15.01%	14.62%
Net Income Per EBT	―	82.37%	115.79%	72.45%	69.24%
EBT Per EBIT	―	100.00%	99.97%	100.00%	100.00%
Return on Assets (ROA)	―	-0.10%	-0.08%	0.65%	0.55%
Return on Equity (ROE)	―	-1.00%	-0.71%	5.40%	4.31%
Return on Capital Employed (ROCE)	―	-0.73%	-0.25%	6.20%	5.18%
Return on Invested Capital (ROIC)	―	-0.60%	-0.25%	4.50%	3.58%
Return on Tangible Assets	―	-0.10%	-0.08%	0.65%	0.55%
Earnings Yield	―	-1.01%	-0.96%	6.26%	4.33%
Efficiency Ratios
Receivables Turnover	―	0.00	0.00	10.88	2.99
Payables Turnover	―	0.00	0.00	0.96	0.45
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	3.91	3.26	2.93	2.33
Asset Turnover	―	0.05	0.05	0.04	0.04
Working Capital Turnover Ratio	―	-0.07	-0.07	-0.06	-0.06
Cash Conversion Cycle	―	0.00	0.00	-347.76	-680.32
Days of Sales Outstanding	―	0.00	0.00	33.56	121.97
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	0.00	381.32	802.28
Operating Cycle	―	0.00	0.00	33.56	121.97
Cash Flow Ratios
Operating Cash Flow Per Share	―	-0.43	0.37	1.50	0.49
Free Cash Flow Per Share	―	-0.46	0.05	1.42	0.47
CapEx Per Share	―	0.02	0.31	0.08	0.01
Free Cash Flow to Operating Cash Flow	―	1.05	0.15	0.95	0.97
Dividend Paid and CapEx Coverage Ratio	―	-18.79	1.17	18.94	37.31
Capital Expenditure Coverage Ratio	―	-18.79	1.17	18.94	37.31
Operating Cash Flow Coverage Ratio	―	-0.06	0.02	0.59	0.18
Operating Cash Flow to Sales Ratio	―	-0.06	0.07	0.33	0.13
Free Cash Flow Yield	―	-3.65%	0.59%	12.89%	3.61%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	-99.30	-104.00	15.97	23.11
Price-to-Sales (P/S) Ratio	―	1.86	1.66	2.40	3.38
Price-to-Book (P/B) Ratio	―	0.99	0.74	0.86	1.00
Price-to-Free Cash Flow (P/FCF) Ratio	―	-27.42	170.92	7.76	27.72
Price-to-Operating Cash Flow Ratio	―	-28.88	25.32	7.35	26.98
Price-to-Earnings Growth (PEG) Ratio	―	-2.23	0.92	0.76	-0.07
Price-to-Fair Value	―	0.99	0.74	0.86	1.00
Enterprise Value Multiple	―	-300.16	1.53K	7.01	4.27
Enterprise Value	―	41.33M	60.15M	19.65M	11.21M
EV to EBITDA	―	-300.16	1.53K	7.01	4.27
EV to Sales	―	2.29	3.98	1.61	1.08
EV to Free Cash Flow	―	-33.76	408.48	5.20	8.88
EV to Operating Cash Flow	―	-35.56	60.50	4.93	8.64
Tangible Book Value Per Share	―	12.62	12.66	12.77	13.21
Shareholders’ Equity Per Share	―	12.62	12.66	12.77	13.21
Tax and Other Ratios
Effective Tax Rate	―	0.18	-0.16	0.28	0.31
Revenue Per Share	―	6.72	5.63	4.59	3.89
Net Income Per Share	―	-0.13	-0.09	0.69	0.57
Tax Burden	―	0.82	1.16	0.72	0.69
Interest Burden	―	1.00	1.00	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.03	0.04	0.05	0.04
Stock-Based Compensation to Revenue	―	0.00	0.00	0.02	0.02
Income Quality	―	3.44	-4.11	2.17	0.86

Pacific West Bancorp (PWBK) Ratios

Pacific West Bancorp Ratios