| Company Name: | PAB Bankshares, Incorporated | | Ticker Symbol: | PABK | | | WWW Address: | www.pabbankshares.com | | CEO: | Donald J. (Jay) Torbert, Jr. | | No. of Employees: | 292 | | Common Issue Type: | CS | | Business Description: | A bank holding company for The Park Avenue Bank, which offers traditional banking products and services to commercial and individual customers in Georgia and Florida.
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| | | Industry Information: | BANKING - Regional - Mid-Atlantic Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 1.5101 |  0.0001 | 1.51 | 1.6 | 1.51 | 1.51 | 1.51 | 1300 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 20.8 | 13.8 | 1.75 | -0.63 | 0.38 | 0.0 | 25.2 | 5.33 - 1.51 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 1.51 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 20.8 | mil |
| Latest Shares Outstanding | 13.8 | mil |
| Earnings pS (EPS) | -0.63 | $ |
| Dividend pS (DPS) | 0.38 | ¢ |
| Dividend Yield | 25.2 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 258,174 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 6.8 | mil |
| Float as % of Shares Outstanding | 72.7 | % |
| 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 | -8.3 | % |
| Pre-Tax Profit Margin | -57.4 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -2.1 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -12.6 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 15.0 | |
| Interest Cover | 0.0 | |
| Total Debt/Equity (Gearing Ratio) | 1.45 | |
| LT Debt/Total Capital | 59.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 6.03 | $ |
| Tangible Book-Value pS | 5.60 | $ |
| Cash Flow pS | -1.86 | $ |
| Free Cash Flow pS | 0.66 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.25 | |
| Price/Tangible Book Ratio | 0.27 | |
| Price/Cash Flow | -0.8 | |
| Price/Free Cash Flow | 2.3 | |
| 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 | 05/19/2008 |
| Dividend Ex-Date | 06/25/2008 |
| Dividend Record Date | 06/29/2008 |
| Dividend Pay Date | 07/14/2008 |
| Dividend Amount | 95 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.38 |
| Current Dividend Yield | 25.2 |
| 5-Y Average Dividend Yield | 4.5 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 32.0 |
|  | | 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 | - | - | - | -5.6 | 93 | 113 | 17 |
| 4 Weeks | 2.08 | 1.51 | 1.98 | -23.7 | 71 | 86 | 1,375 |
| 13 Weeks | 3.42 | 1.51 | 3.34 | -54.8 | 42 | 52 | 3,137 |
| 26 Weeks | 3.99 | 1.51 | 3.58 | -57.8 | 35 | 43 | 5,338 |
| 52 Weeks | 5.33 | 1.51 | 5.05 | -70.1 | 24 | 42 | 10,521 |
| YTD | 4.90 | 1.51 | - | -65.7 | 28 | 41 | 9,173 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 1.56 | 1.62 | 2.49 | 2.94 | 3.11 | 1.75 | 1.75 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 8.97 | 44.3 | -5.13 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 0.00 | NA | 0.00 |
| 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 % | -10.1 | -16.3 | -16.9 |
| Earnings % | 0.0 | 0.0 | -100.0 |
| EPS % | 0.0 | 0.0 | -100.0 |
| EPS $ | -2.05 | -1.61 | -1.74 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 11.78 |
| Free Cash Flow Margin 5YEAR AVG | 12.82 |
| Cash-Flow pS | 1.10 |
| Free Cash-Flow pS | 0.90 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 14.74 |
| Debt Ratio | 93.22 |
| Total Debt/Equity (Gearing Ratio) | 1.31 |
| LT Debt/Equity | 1.31 |
| LT Debt/Capital Invested | 56.71 |
| LT Debt/Total Liabilities | 9.54 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.02 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | -0.00 |
| Enterprise Value (EV)/Free Cash Flow | 0.66 |
| Dividend Yield | 25.2 |
| Price/Tangible Book Ratio - LTM | 0.27 |
| Price/Book Ratio - LTM | 0.25 |
| Price/Cash Flow Ratio | -0.8 |
| Price/Free Cash Flow Ratio - LTM | 2.3 |
| 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 | 36.1 |
| 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 | 5.60 |
| Book Value pS - LTM | 6.03 |
| Capital Invested pS | 15.34 |
| Cash Flow pS - LTM | -1.86 |
| Free Cash Flow pS - LTM | 0.66 |
| Earnings pS (EPS) | -0.63 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | -6.45 |
| Return on Equity (ROE) - 5YEAR AVRG. | 8.7 |
| Return on Capital Invested (ROCI) | -2.79 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 5.0 |
| Return on Assets (ROA) | -0.44 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.7 |
| EBIT Margin - LTM | -8.3 |
| EBITDA Margin - LTM | -8.3 |
| Pre-Tax Profit Margin | -27.23 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 30.06 |
| Net Profit Margin | -17.00 |
| Net Profit Margin - 5YEAR AVRG. | 20.00 |
| Effective Tax Rate | 37.55 |
| Effective Tax Rate - 5YEAR AVRG. | 34.78 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 237,876 |
| Net Income per Employee - LTM | -88,087 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,952.47 |
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