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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 0.6x - 0.7x | 0.7x |
| Historical Pb Multiple | 0.7x - 0.9x | 0.8x |
| Fair Value | $8.18 - $9.04 | $8.61 |
| Upside | -23.9% - -15.9% | -19.9% |
| Benchmarks | - | Full Ticker |
| Main Street Financial Services Corp. | - | OTCPK:MSWV |
| Merchants & Marine Bancorp, Inc. | - | OTCPK:MNMB |
| Avidbank Holdings, Inc. | - | OTCPK:AVBH |
| Columbia Financial, Inc. | - | NasdaqGS:CLBK |
| Catalyst Bancorp, Inc. | - | NasdaqCM:CLST |
| Seneca Financial Corp. | - | OTCPK:SNNF |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| MSWV | MNMB | AVBH | CLBK | CLST | SNNF | |||
| OTCPK:MSWV | OTCPK:MNMB | OTCPK:AVBH | NasdaqGS:CLBK | NasdaqCM:CLST | OTCPK:SNNF | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | -6.1% | NM- | 10.3% | NM- | NM- | -8.6% | ||
| 3Y CAGR | -14.2% | 35.3% | 19.7% | NM- | NM- | -26.3% | ||
| Latest Twelve Months | -4.2% | -9.1% | 35.2% | -109.9% | 151.6% | -5.7% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 30.7% | 11.4% | 25.8% | 21.2% | -14.4% | 14.1% | ||
| Prior Fiscal Year | 31.8% | 15.4% | 24.8% | 15.8% | 5.7% | 8.4% | ||
| Latest Fiscal Year | 14.7% | 11.7% | 27.2% | -7.0% | -59.7% | 7.3% | ||
| Latest Twelve Months | 17.7% | 11.4% | 27.3% | -0.9% | 19.4% | 7.3% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 13.6% | 5.3% | 11.8% | 5.4% | -0.4% | 5.3% | ||
| Prior Fiscal Year | 16.0% | 8.8% | 11.1% | 3.4% | 0.6% | 3.5% | ||
| Latest Twelve Months | 8.1% | 6.9% | 11.7% | -0.1% | 2.7% | 3.1% | ||
| Next Fiscal Year | #NUM! | #NUM! | 11.0% | 4.0% | #NUM! | #NUM! | ||
| Two Fiscal Years Forward | 5.8% | 7.7% | 12.8% | 5.0% | -4.3% | 3.1% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 2.6x | 1.1x | 2.1x | 8.7x | 4.7x | 2.0x | ||
| Price / LTM EPS | 14.7x | 9.7x | 7.5x | -963.9x | 24.0x | 27.9x | ||
| Price / Book | 0.9x | 0.7x | 0.8x | 1.4x | 0.7x | 0.8x | ||
| Price / Fwd Book | 0.9x | 0.7x | 0.8x | 1.4x | 0.7x | 0.8x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.7x | 0.8x | 1.4x | |||||
| Historical P/B Ratio | 0.7x | 0.8x | 0.9x | |||||
| Selected P/B Multiple | 0.6x | 0.7x | 0.7x | |||||
| (x) Book Value | 24 | 24 | 24 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | MSWV | MNMB | AVBH | CLBK | CLST | SNNF | |
| Value of Common Equity | 100 | 52 | 162 | 1,540 | 52 | 20 | |
| (/) Shares Outstanding | 7.8 | 1.3 | 7.9 | 104.9 | 4.2 | 1.8 | |
| Implied Stock Price | 12.75 | 39.00 | 20.43 | 14.68 | 12.48 | 10.75 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |
| Implied Stock Price (Trading Cur) | 12.75 | 39.00 | 20.43 | 14.68 | 12.48 | 10.75 | |
| Trading Currency | USD | USD | USD | USD | USD | USD | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | |