Community Bankers'
Financial ratios & Valuation

Historical Multiples (2019 – 2023)

2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
8.838.718.287.0012.0510.298.50
Price/Sales ratio
1.231.091.311.150.820.751.23
Price/Book Value ratio
0.830.650.811.290.900.771.05
Price/Cash Flow ratio
6.885.905.625.2315.0512.865.76
Price/Free Cash Flow ratio
7.076.115.955.4720.4618.766.03
Price/Earnings Growth ratio
N/A-0.630.260.92-0.222.58-0.18
Dividend Yield
4.33%5.08%4.11%4.50%3.86%1.45%4.30%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%
Operating Profit Margin
1.09%0.88%0.47%0.43%8.50%N/A0.45%
Pretax Profit Margin
16.92%14.99%18.87%19.57%7.38%7.38%19.22%
Net Profit Margin
14.04%12.52%15.84%16.50%6.85%6.85%16.17%
Effective Tax Rate
17.03%16.48%16.08%15.66%7.18%7.18%15.87%
Return on Assets
0.66%0.51%0.60%0.66%0.29%0.29%0.63%
Return On Equity
9.42%7.56%9.81%18.48%7.53%8.05%14.15%
Return on Capital Employed
0.08%0.09%0.05%0.04%1.74%N/A0.05%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/A0.01N/A
Quick Ratio
0.040.070.020.020.01-0.010.02
Cash ratio
0.040.070.020.02-0.01-0.010.02
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
N/A0.03N/AN/A0.060.06N/A
Debt Equity Ratio
N/A0.51N/AN/A1.571.57N/A
Long-term Debt to Capitalization
N/A0.08N/AN/A0.100.10N/A
Total Debt to Capitalization
N/A0.34N/AN/A0.610.61N/A
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
N/A0.21N/AN/A0.030.03N/A
Company Equity Multiplier
14.2014.6816.1127.7125.1525.1515.40
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.180.180.230.220.050.050.22
Free Cash Flow / Operating Cash Flow Ratio
0.970.960.940.950.730.730.95
Cash Flow Coverage Ratio
N/A0.21N/AN/A0.030.03N/A
Short Term Coverage Ratio
N/A0.26N/AN/A0.040.04N/A
Dividend Payout Ratio
38.29%44.37%34.12%31.53%46.55%46.55%39.24%