blueharbor bank
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
33.1727.2717.9922.5411.6912.139.028.227.068.2810.4312.13
Price/Sales ratio
7.134.473.243.643.013.902.763.002.883.322.433.90
Price/Book Value ratio
1.761.110.931.190.981.150.830.991.141.201.180.98
Price/Cash Flow ratio
58.4715.9215.5816.4010.4712.588.235.905.5910.90N/A12.58
Price/Free Cash Flow ratio
63.8317.5716.3926.92-11.4121.8012.366.527.7011.22N/A-11.41
Price/Earnings Growth ratio
1.51-1.770.492.530.150.541.050.180.162.180.100.54
Dividend Yield
N/AN/A0.00%N/AN/AN/AN/A0.73%N/AN/A1.81%N/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%127.70%100%100%
Operating Profit Margin
36.05%28.50%31.62%35.32%33.90%40.11%39.03%46.83%56.49%57.55%41.69%33.90%
Pretax Profit Margin
33.95%25.88%28.53%32.71%32.87%40.11%39.03%46.83%52.47%51.60%30.29%40.11%
Net Profit Margin
21.51%16.41%18.00%16.18%25.74%32.16%30.65%36.55%40.79%40.13%23.50%32.16%
Effective Tax Rate
36.62%36.61%36.89%50.53%21.67%19.82%21.46%21.94%22.26%22.22%22.41%21.67%
Return on Assets
0.85%0.59%0.70%0.64%1.12%1.24%1.02%1.17%1.69%1.66%1.27%1.12%
Return On Equity
5.32%4.10%5.18%5.30%8.38%9.53%9.24%12.07%16.24%14.49%12.06%8.38%
Return on Capital Employed
1.42%1.03%1.46%1.71%1.94%1.56%1.31%1.50%2.35%3.99%2.25%1.94%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
162.36118.020.220.210.1211.141.12K6.47K1.84K0.30N/A11.14
Cash ratio
162.36118.020.170.160.081.85350.992.37K328.720.08N/A1.85
Days of Sales Outstanding
N/AN/AN/AN/AN/A24.2227.4720.0323.1526.53N/A24.22
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/A26.53N/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A-24.36N/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/A50.90N/AN/A
Debt Ratios
Debt Ratio
N/AN/A0.030.010.020.010.000.000.000.00N/A0.01
Debt Equity Ratio
N/AN/A0.230.110.180.080.000.000.000.00N/A0.08
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Total Debt to Capitalization
N/AN/A0.180.100.150.070.000.000.000.00N/A0.07
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A1.87N/A
Cash Flow to Debt Ratio
N/AN/A0.250.610.501.1325.5343.00133.34196.00N/A1.13
Company Equity Multiplier
6.256.887.378.167.477.678.9810.279.568.708.947.47
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.120.280.200.220.280.310.330.500.510.30N/A0.31
Free Cash Flow / Operating Cash Flow Ratio
0.910.900.950.60-0.910.570.660.900.720.97N/A-0.91
Cash Flow Coverage Ratio
N/AN/A0.250.610.501.1325.5343.00133.34196.00N/A1.13
Short Term Coverage Ratio
N/AN/A0.250.610.501.1325.5343.00133.34196.00N/A1.13
Dividend Payout Ratio
N/AN/A0.01%N/AN/AN/AN/A6.03%N/AN/AN/AN/A