| Company Name: | Wilber Corporation | | Ticker Symbol: | GIW | | | WWW Address: | www.wilberbank.com | | CEO: | Douglas C. Gulotty | | No. of Employees: | 295 | | Common Issue Type: | CS | | Business Description: | A bank holding company, which through its subsidiary, Wilber National Bank offers a full range of commercial and consumer financial products.
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| | | Industry Information: | BANKING - Regional - Northeast Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 6.9 |  -0.07 | 6.27 | 8.04 | 6.98 | 7.02 | 6.83 | 3938 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 72.7 | 10.5 | 0.13 | 0.55 | 0.38 | 10.5 | 3.5 | 14.15 - 5.52 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 6.90 | $ | | PE Ratio - LTM | 10.5 | |
| Market Capitalisation | 72.7 | mil |
| Latest Shares Outstanding | 10.5 | mil |
| Earnings pS (EPS) | 0.55 | $ |
| Dividend pS (DPS) | 0.38 | ¢ |
| Dividend Yield | 3.5 | % |
| Dividend Payout Ratio | 69 | % |
| Revenue per Employee | 178,647 | $ |
| Effective Tax Rate | 22.3 | % |
| Float | 6.6 | mil |
| Float as % of Shares Outstanding | 62.6 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 45.9 | % |
| Pre-Tax Profit Margin | 16.6 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.8 | % |
| Return on Equity (ROE) | 9.7 | % |
| Return on Capital Invested (ROCI) | 5.4 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 12.8 | |
| Interest Cover | 1.6 | |
| Total Debt/Equity (Gearing Ratio) | 1.07 | |
| LT Debt/Total Capital | 44.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 6.82 | $ |
| Tangible Book-Value pS | 6.38 | $ |
| Cash Flow pS | 0.66 | $ |
| Free Cash Flow pS | 0.45 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.01 | |
| Price/Tangible Book Ratio | 1.08 | |
| Price/Cash Flow | 10.4 | |
| Price/Free Cash Flow | 15.4 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 11/01/2009 |
| Dividend Ex-Date | 11/08/2009 |
| Dividend Record Date | 11/11/2009 |
| Dividend Pay Date | 11/26/2009 |
| Dividend Amount | 60 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.24 |
| Current Dividend Yield | 3.5 |
| 5-Y Average Dividend Yield | 4.2 |
| Payout Ratio | 69.0 |
| 5-Y Average Payout Ratio | 57.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 6.6 | 105 | 78 | 97 |
| 4 Weeks | 7.25 | 5.52 | 6.72 | 2.7 | 96 | 71 | 1,272 |
| 13 Weeks | 8.85 | 5.52 | 8.45 | -18.3 | 76 | 50 | 3,084 |
| 26 Weeks | 14.15 | 5.52 | 7.83 | -11.8 | 73 | 124 | 15,643 |
| 52 Weeks | 14.15 | 5.52 | 5.95 | 16.0 | 94 | 71 | 17,633 |
| YTD | 14.15 | 5.52 | - | -2.1 | 80 | 74 | 16,815 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 6.72 | 6.69 | 7.50 | 8.68 | 8.35 | 0.13 | 0.18 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 5.01 | 92.0 | 3.52 |
| Income | -4.11 | 45.6 | -1.70 |
| Dividend | -2.21 | 34.2 | -4.54 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -4.32 | NA | -2.14 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 6.9 | 9.7 | -0.7 |
| Earnings % | 27.7 | 97.7 | -24.5 |
| EPS % | 27.5 | 100.0 | -24.7 |
| EPS $ | 0.11 | 0.13 | -0.18 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 1.94 |
| Free Cash Flow Margin 5YEAR AVG | 20.50 |
| Cash-Flow pS | 0.51 |
| Free Cash-Flow pS | 0.09 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 13.71 |
| Debt Ratio | 92.71 |
| Total Debt/Equity (Gearing Ratio) | 1.21 |
| LT Debt/Equity | 0.89 |
| LT Debt/Capital Invested | 47.06 |
| LT Debt/Total Liabilities | 6.99 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.05 |
| Tobin's Q Ratio | 0.08 |
| Current P/E Ratio - LTM | 10.50 |
| Enterprise Value (EV)/EBITDA | 0.02 |
| Enterprise Value (EV)/Free Cash Flow | 0.74 |
| Dividend Yield | 3.5 |
| Price/Tangible Book Ratio - LTM | 1.08 |
| Price/Book Ratio - LTM | 1.01 |
| Price/Cash Flow Ratio | 10.4 |
| Price/Free Cash Flow Ratio - LTM | 15.4 |
| P/E Ratio (1 month ago) - LTM | 11.6 |
| P/E Ratio (26 weeks ago) - LTM | 15.3 |
| P/E Ratio (52 weeks ago) - LTM | 11.2 |
| 5-Y High P/E Ratio | 20.1 |
| 5-Y Low P/E Ratio | 10.1 |
| 5-Y Average P/E Ratio | 14.3 |
| Current P/E Ratio as % of 5-Y Average P/E | 73 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 10.7 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 6.38 |
| Book Value pS - LTM | 6.82 |
| Capital Invested pS | 12.10 |
| Cash Flow pS - LTM | 0.66 |
| Free Cash Flow pS - LTM | 0.45 |
| Earnings pS (EPS) | 0.55 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 8.62 |
| Return on Equity (ROE) - 5YEAR AVRG. | 11.0 |
| Return on Capital Invested (ROCI) | 4.56 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 6.2 |
| Return on Assets (ROA) | 0.63 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.9 |
| EBIT Margin - LTM | 46.1 |
| EBITDA Margin - LTM | 45.9 |
| Pre-Tax Profit Margin | 28.33 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 38.93 |
| Net Profit Margin | 22.00 |
| Net Profit Margin - 5YEAR AVRG. | 29.57 |
| Effective Tax Rate | 22.34 |
| Effective Tax Rate - 5YEAR AVRG. | 23.87 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 187,895 |
| Net Income per Employee - LTM | 23,688 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,164.76 |
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