| Company Name: | 21st Century Holding Company | | Ticker Symbol: | TCHC | | | WWW Address: | www.21stcenturyholding.com | | CEO: | Michael H. Braun | | No. of Employees: | 110 | | Common Issue Type: | CS | | Business Description: | An insurance holding company which, through its subsidiaries, is engaged in insurance underwriting, distribution and claims processing in the United States.
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| | | Industry Information: | INSURANCE - Property & Casualty Insurance [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 4.19 |  -0.01 | 4.15 | 4.23 | 4.16 | 4.23 | 3.95 | 8579 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 33.7 | 8.0 | 1.10 | -0.31 | 0.72 | 0.0 | 5.7 | 5.10 - 1.29 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 4.20 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 33.7 | mil |
| Latest Shares Outstanding | 8.0 | mil |
| Earnings pS (EPS) | -0.31 | $ |
| Dividend pS (DPS) | 0.72 | ¢ |
| Dividend Yield | 5.7 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 612,336 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 6.9 | mil |
| Float as % of Shares Outstanding | 86.5 | % |
| 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 | -13.1 | % |
| Pre-Tax Profit Margin | -11.4 | % |
| Assets Turnover | 0.3 | % |
| Return on Assets (ROA) | -2.8 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -7.6 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 2.7 | |
| Interest Cover | 0.0 | |
| Total Debt/Equity (Gearing Ratio) | 0.15 | |
| LT Debt/Total Capital | 0.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 9.37 | $ |
| Tangible Book-Value pS | 9.37 | $ |
| Cash Flow pS | -0.71 | $ |
| Free Cash Flow pS | -1.14 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.45 | |
| Price/Tangible Book Ratio | 0.45 | |
| Price/Cash Flow | -5.9 | |
| Price/Free Cash Flow | -3.7 | |
| 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 | 09/03/2009 |
| Dividend Ex-Date | 10/28/2009 |
| Dividend Record Date | 11/01/2009 |
| Dividend Pay Date | 11/30/2009 |
| Dividend Amount | 60 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.24 |
| Current Dividend Yield | 5.7 |
| 5-Y Average Dividend Yield | 5.4 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 15.0 |
|  | | 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 | - | - | - | 3.7 | 104 | 193 | 1,043 |
| 4 Weeks | 4.68 | 3.79 | 4.60 | -8.7 | 90 | 286 | 5,712 |
| 13 Weeks | 4.98 | 3.33 | 3.70 | 13.5 | 107 | 270 | 17,282 |
| 26 Weeks | 5.10 | 2.95 | 3.05 | 37.7 | 112 | 231 | 29,390 |
| 52 Weeks | 5.10 | 1.29 | 3.68 | 14.1 | 84 | 270 | 67,776 |
| YTD | 5.10 | 1.29 | - | -9.3 | 75 | 277 | 62,289 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 4.15 | 4.13 | 4.20 | 3.72 | 3.61 | 1.10 | 0.75 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | -3.89 | 9.5 | -16.86 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 16.20 | 59.5 | 4.47 |
| 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 % | -11.3 | -19.3 | -43.5 |
| Earnings % | -100.0 | 0.0 | -100.0 |
| EPS % | -100.0 | 0.0 | -100.0 |
| EPS $ | -0.40 | -0.31 | -2.96 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -41.76 |
| Free Cash Flow Margin 5YEAR AVG | 9.55 |
| Cash-Flow pS | -2.80 |
| Free Cash-Flow pS | -3.51 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 2.59 |
| Debt Ratio | 61.33 |
| Total Debt/Equity (Gearing Ratio) | 0.11 |
| LT Debt/Equity | 0.00 |
| LT Debt/Capital Invested | 0.00 |
| LT Debt/Total Liabilities | 0.00 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.16 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | 0.10 |
| Enterprise Value (EV)/Free Cash Flow | 4.97 |
| Dividend Yield | 5.7 |
| Price/Tangible Book Ratio - LTM | 0.45 |
| Price/Book Ratio - LTM | 0.45 |
| Price/Cash Flow Ratio | -5.9 |
| Price/Free Cash Flow Ratio - LTM | -3.7 |
| 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 | 3.5 |
| 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 | 9.37 |
| Book Value pS - LTM | 9.37 |
| Capital Invested pS | 9.51 |
| Cash Flow pS - LTM | -0.71 |
| Free Cash Flow pS - LTM | -1.14 |
| Earnings pS (EPS) | -0.31 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | -3.25 |
| Return on Equity (ROE) - 5YEAR AVRG. | 11.7 |
| Return on Capital Invested (ROCI) | -3.25 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 10.5 |
| Return on Assets (ROA) | -1.26 |
| Return on Assets (ROA) - 5YEAR AVRG. | 3.1 |
| EBIT Margin - LTM | -11.4 |
| EBITDA Margin - LTM | -13.1 |
| Pre-Tax Profit Margin | -5.64 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 5.96 |
| Net Profit Margin | -3.68 |
| Net Profit Margin - 5YEAR AVRG. | 5.23 |
| Effective Tax Rate | 34.82 |
| Effective Tax Rate - 5YEAR AVRG. | 34.51 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 559,573 |
| Net Income per Employee - LTM | -51,636 |
| Assets/Revenue - LTM | 333.33 |
| Assets/Revenue - 5YEAR AVRG. | 240.21 |
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