| Company Name: | Camco Financial Corporation | | Ticker Symbol: | CAFI | | | WWW Address: | www.camcofinancial.com | | CEO: | James E. Huston | | No. of Employees: | 246 | | Common Issue Type: | CS | | Business Description: | The Company is engaged in the financial services business in Ohio, Kentucky and West Virginia, through its wholly-owned subsidiaries, Advantage Bank and Camco Title Agency, Inc.
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| | | Industry Information: | BANKING - Savings & Loans [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 1.77 |  0.0 | 0.01 | 3.6 | 1.81 | 1.85 | 1.77 | 1701 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 12.7 | 7.2 | 2.44 | -2.14 | 0.41 | 0.0 | 2.3 | 6.24 - 0.56 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 1.77 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 12.7 | mil |
| Latest Shares Outstanding | 7.2 | mil |
| Earnings pS (EPS) | -2.14 | $ |
| Dividend pS (DPS) | 0.41 | ¢ |
| Dividend Yield | 2.3 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 245,898 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 6.7 | mil |
| Float as % of Shares Outstanding | 94.2 | % |
| 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 | 20.6 | % |
| Pre-Tax Profit Margin | -39.1 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -1.7 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -7.3 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 12.3 | |
| Interest Cover | 0.1 | |
| Total Debt/Equity (Gearing Ratio) | 1.84 | |
| LT Debt/Total Capital | 65.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 10.15 | $ |
| Tangible Book-Value pS | 9.61 | $ |
| Cash Flow pS | -2.12 | $ |
| Free Cash Flow pS | 1.12 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.17 | |
| Price/Tangible Book Ratio | 0.18 | |
| Price/Cash Flow | -0.8 | |
| Price/Free Cash Flow | 1.6 | |
| 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 | 04/13/2009 |
| Dividend Ex-Date | 04/15/2009 |
| Dividend Record Date | 04/19/2009 |
| Dividend Pay Date | 04/27/2009 |
| Dividend Amount | 10 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.04 |
| Current Dividend Yield | 2.3 |
| 5-Y Average Dividend Yield | 4.5 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 45.0 |
|  | | 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 | - | - | - | 0.0 | 100 | 37 | 67 |
| 4 Weeks | 2.08 | 1.75 | 2.02 | -12.4 | 87 | 32 | 646 |
| 13 Weeks | 2.60 | 1.40 | 2.11 | -16.1 | 79 | 38 | 2,461 |
| 26 Weeks | 3.00 | 1.40 | 2.46 | -28.0 | 58 | 34 | 4,354 |
| 52 Weeks | 6.24 | 0.56 | 4.85 | -63.5 | 27 | 68 | 17,060 |
| YTD | 5.59 | 0.56 | - | -44.3 | 46 | 40 | 8,889 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 1.86 | 1.89 | 2.00 | 2.30 | 2.10 | 2.44 | 2.64 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | -2.58 | 24.1 | -7.39 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | -22.28 | 35.6 | -44.04 |
| Capital Spending | -6.02 | NA | -35.05 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -17.5 | -20.8 | -15.0 |
| Earnings % | 34.6 | -66.8 | -100.0 |
| EPS % | 33.3 | -66.7 | -100.0 |
| EPS $ | 0.02 | -0.10 | -2.75 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 11.36 |
| Free Cash Flow Margin 5YEAR AVG | 1.49 |
| Cash-Flow pS | 1.37 |
| Free Cash-Flow pS | 0.90 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 13.95 |
| Debt Ratio | 92.83 |
| Total Debt/Equity (Gearing Ratio) | 2.56 |
| LT Debt/Equity | 2.56 |
| LT Debt/Capital Invested | 71.94 |
| LT Debt/Total Liabilities | 19.79 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.01 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | -0.00 |
| Enterprise Value (EV)/Free Cash Flow | -8.22 |
| Dividend Yield | 2.3 |
| Price/Tangible Book Ratio - LTM | 0.18 |
| Price/Book Ratio - LTM | 0.17 |
| Price/Cash Flow Ratio | -0.8 |
| Price/Free Cash Flow Ratio - LTM | 1.6 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 0.0 |
| P/E Ratio (52 weeks ago) - LTM | 28.5 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 9.61 |
| Book Value pS - LTM | 10.15 |
| Capital Invested pS | 35.71 |
| Cash Flow pS - LTM | -2.12 |
| Free Cash Flow pS - LTM | 1.12 |
| Earnings pS (EPS) | -2.14 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | -21.37 |
| Return on Equity (ROE) - 5YEAR AVRG. | 0.3 |
| Return on Capital Invested (ROCI) | -6.00 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 0.1 |
| Return on Assets (ROA) | -1.53 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.0 |
| EBIT Margin - LTM | 5.6 |
| EBITDA Margin - LTM | 20.6 |
| Pre-Tax Profit Margin | -50.87 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 5.06 |
| Net Profit Margin | -59.37 |
| Net Profit Margin - 5YEAR AVRG. | -1.09 |
| Effective Tax Rate | 38.97 |
| Effective Tax Rate - 5YEAR AVRG. | 34.10 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 211,354 |
| Net Income per Employee - LTM | -61,671 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,723.61 |
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