CF Bankshares
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
40.304.6717.2436.6411.656.653.607.247.457.3911.4411.44
Price/Sales ratio
1.901.912.273.462.431.921.212.502.642.451.471.92
Price/Book Value ratio
0.550.540.711.221.090.790.961.060.970.800.910.79
Price/Cash Flow ratio
18.294.1015.6512.48-4.21-0.61-0.860.523.406.9313.40-4.21
Price/Free Cash Flow ratio
32.494.1316.0713.55-4.00-0.61-0.860.533.487.2013.75-4.00
Price/Earnings Growth ratio
-0.370.00-0.22-1.700.030.060.02-0.19N/A-1.04-1.580.06
Dividend Yield
1.20%3.58%2.67%1.52%N/AN/A0.18%0.63%0.85%1.17%1.04%N/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%90.38%100%
Operating Profit Margin
25.23%35.81%44.27%48.45%60.16%36.28%41.46%42.78%81.01%N/A17.39%36.28%
Pretax Profit Margin
4.72%11.73%19.73%24.29%26.01%36.28%41.46%42.78%44.03%41.10%15.56%36.28%
Net Profit Margin
4.72%40.93%13.17%9.44%20.85%28.92%33.83%34.60%35.40%33.17%12.59%28.92%
Effective Tax Rate
N/A-248.67%33.23%61.10%19.83%20.26%18.39%19.12%19.59%19.29%18.21%20.26%
Return on Assets
0.15%1.27%0.37%0.27%0.64%1.09%2.00%1.23%0.99%0.82%0.63%1.09%
Return On Equity
1.38%11.68%4.14%3.34%9.37%11.90%26.86%14.72%13.04%10.90%8.20%11.90%
Return on Capital Employed
0.81%1.12%1.26%1.44%1.86%1.37%2.49%1.54%2.31%N/A0.88%1.37%
Liquidity Ratios
Current Ratio
0.140.080.140.100.110.050.51N/AN/AN/A22.470.11
Quick Ratio
15.5918.7756.8136.4233.5816.8122.4526.0715.36N/A22.4716.81
Cash ratio
10.5911.7524.2515.2314.696.7110.1311.486.41N/A11.036.71
Days of Sales Outstanding
111.24203.32N/AN/AN/AN/AN/AN/AN/AN/A31.93N/A
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/AN/A31.93N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A31.93N/A
Debt Ratios
Debt Ratio
0.060.050.040.030.050.040.150.060.060.060.050.05
Debt Equity Ratio
0.560.510.470.460.750.482.090.830.890.800.750.75
Long-term Debt to Capitalization
0.360.330.320.310.420.320.670.450.470.440.420.42
Total Debt to Capitalization
0.360.330.320.310.420.320.670.450.470.440.420.42
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A2.48N/AN/AN/A0.32N/A
Cash Flow to Debt Ratio
0.050.250.090.21-0.34-2.63-0.532.420.310.140.09-0.34
Company Equity Multiplier
9.149.1611.0911.9514.5910.9113.4011.9313.0713.2412.6012.60
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.100.460.140.27-0.57-3.11-1.414.740.770.350.10-0.57
Free Cash Flow / Operating Cash Flow Ratio
0.560.990.970.921.051.001.000.980.970.960.991.00
Cash Flow Coverage Ratio
0.050.250.090.21-0.34-2.63-0.532.420.310.140.09-0.34
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
48.64%16.75%46.09%55.72%N/AN/A0.65%4.59%6.34%8.71%11.84%N/A