Ratios	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	―	0.00	0.00	0.00	0.00
Quick Ratio	―	0.00	0.00	0.00	0.00
Cash Ratio	―	0.00	0.00	0.00	0.00
Solvency Ratio	―	<0.01	<0.01	0.35	0.00
Operating Cash Flow Ratio	―	0.00	0.00	0.00	0.00
Short-Term Operating Cash Flow Coverage	―	0.00	0.00	0.00	0.00
Net Current Asset Value	$ ―	$ -637.97M	$ -617.94M	$ 115.03M	$ 56.07M
Leverage Ratios
Debt-to-Assets Ratio	―	0.00	0.09	0.03	0.00
Debt-to-Equity Ratio	―	0.00	1.59	0.41	0.00
Debt-to-Capital Ratio	―	0.00	0.61	0.29	0.00
Long-Term Debt-to-Capital Ratio	―	0.00	0.00	0.29	0.00
Financial Leverage Ratio	―	17.28	18.65	14.80	11.87
Debt Service Coverage Ratio	―	-0.03	-0.27	-0.51	-0.20
Interest Coverage Ratio	―	0.49	2.66	4.18	2.02
Debt to Market Cap	―	0.00	0.00	0.49	0.00
Interest Debt Per Share	―	8.03	46.05	15.89	1.57
Net Debt to EBITDA	―	0.00	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	―	100.00%	100.00%	100.00%	100.00%
EBIT Margin	―	-7.79%	-7.61%	-8.32%	-7.13%
EBITDA Margin	―	0.00%	0.00%	0.00%	0.00%
Operating Profit Margin	―	18.35%	17.11%	20.07%	15.88%
Pretax Profit Margin	―	17.72%	16.16%	20.07%	15.88%
Net Profit Margin	―	16.46%	14.42%	17.62%	14.30%
Continuous Operations Profit Margin	―	16.46%	14.42%	17.62%	14.30%
Net Income Per EBT	―	92.89%	89.23%	87.75%	90.03%
EBT Per EBIT	―	96.61%	94.43%	100.00%	100.00%
Return on Assets (ROA)	―	0.61%	0.56%	0.65%	0.68%
Return on Equity (ROE)	―	10.58%	10.45%	9.62%	8.03%
Return on Capital Employed (ROCE)	―	0.68%	0.67%	0.74%	0.75%
Return on Invested Capital (ROIC)	―	0.63%	2.50%	1.88%	3.04%
Return on Tangible Assets	―	0.62%	0.56%	0.65%	0.68%
Earnings Yield	―	14.73%	9.67%	11.60%	9.57%
Efficiency Ratios
Receivables Turnover	―	0.00	0.00	0.00	0.00
Payables Turnover	―	0.00	0.00	0.00	0.00
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	1.07	1.03	1.04	1.60
Asset Turnover	―	0.04	0.04	0.04	0.05
Working Capital Turnover Ratio	―	0.74	0.32	0.27	0.71
Cash Conversion Cycle	―	0.00	0.00	0.00	0.00
Days of Sales Outstanding	―	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	0.00	0.00	0.00
Operating Cycle	―	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	―	6.63	6.59	6.76	0.03
Free Cash Flow Per Share	―	6.09	4.92	-0.54	-5.60
CapEx Per Share	―	0.54	1.67	7.30	5.63
Free Cash Flow to Operating Cash Flow	―	0.92	0.75	-0.08	-204.92
Dividend Paid and CapEx Coverage Ratio	―	4.67	2.62	0.83	<0.01
Capital Expenditure Coverage Ratio	―	12.28	3.95	0.93	<0.01
Operating Cash Flow Coverage Ratio	―	0.00	0.15	0.45	0.00
Operating Cash Flow to Sales Ratio	―	0.31	0.32	0.34	<0.01
Free Cash Flow Yield	―	25.41%	16.19%	-1.78%	-18.71%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	6.79	10.34	8.62	10.45
Price-to-Sales (P/S) Ratio	―	1.12	1.49	1.52	1.49
Price-to-Book (P/B) Ratio	―	0.72	1.08	0.83	0.84
Price-to-Free Cash Flow (P/FCF) Ratio	―	3.94	6.18	-56.20	-5.35
Price-to-Operating Cash Flow Ratio	―	3.62	4.61	4.49	1.10K
Price-to-Earnings Growth (PEG) Ratio	―	0.34	-0.63	0.38	1.40
Price-to-Fair Value	―	0.72	1.08	0.83	0.84
Enterprise Value Multiple	―	0.00	0.00	0.00	0.00
Enterprise Value	―	-11.38M	67.31M	-75.30M	-16.63M
EV to EBITDA	―	0.00	0.00	0.00	0.00
EV to Sales	―	-0.42	2.52	-2.88	-0.63
EV to Free Cash Flow	―	-1.49	10.46	106.50	2.25
EV to Operating Cash Flow	―	-1.37	7.81	-8.51	-461.97
Tangible Book Value Per Share	―	29.65	24.43	522.41	420.25
Shareholders’ Equity Per Share	―	33.37	28.09	36.57	35.68
Tax and Other Ratios
Effective Tax Rate	―	0.07	0.11	0.12	0.10
Revenue Per Share	―	21.44	20.37	19.98	20.04
Net Income Per Share	―	3.53	2.94	3.52	2.87
Tax Burden	―	0.93	0.89	0.88	0.90
Interest Burden	―	-2.27	-2.12	-2.41	-2.23
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.02	0.04	0.03	0.05
Stock-Based Compensation to Revenue	―	0.00	0.00	0.00	0.00
Income Quality	―	1.88	2.24	1.92	<0.01

West Shore Bank (WSSH) Ratios

West Shore Bank Ratios