Elmer Bancorp
Financial ratios & Valuation

Historical Multiples (2018 – 2023)

2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
10.7210.8211.7211.028.016.948.9411.02
Price/Sales ratio
1.491.681.291.561.421.381.471.29
Price/Book Value ratio
0.780.830.610.720.710.670.750.61
Price/Cash Flow ratio
7.468.789.197.356.666.16N/A7.35
Price/Free Cash Flow ratio
-41.33114.0049.198.848.267.17N/A8.84
Price/Earnings Growth ratio
N/A0.91-0.400.330.230.310.18-0.40
Dividend Yield
3.46%3.07%1.06%1.97%2.20%2.71%2.29%1.06%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100.00%104.67%100%
Operating Profit Margin
21.37%22.76%16.69%21.48%26.77%38.22%39.00%16.69%
Pretax Profit Margin
19.24%21.60%14.96%19.45%24.77%27.83%21.00%14.96%
Net Profit Margin
13.98%15.57%11.00%14.15%17.83%19.86%15.42%11.00%
Effective Tax Rate
27.35%27.88%26.44%27.25%28.03%28.63%26.57%26.44%
Return on Assets
0.65%0.72%0.44%0.51%0.70%0.87%0.76%0.44%
Return On Equity
7.34%7.72%5.20%6.61%8.88%9.72%8.71%5.20%
Return on Capital Employed
1.34%1.70%1.11%1.29%1.67%2.87%3.29%1.11%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/A0.25N/A
Quick Ratio
0.320.400.511.130.830.250.251.13
Cash ratio
0.300.030.020.020.040.250.250.02
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
N/AN/AN/AN/AN/AN/AN/AN/A
Debt Equity Ratio
N/AN/AN/AN/AN/AN/AN/AN/A
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/AN/A
Total Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/AN/A
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
N/AN/AN/AN/AN/AN/AN/AN/A
Company Equity Multiplier
11.2210.6811.7112.7412.6811.1411.1412.74
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.200.190.140.210.210.22N/A0.21
Free Cash Flow / Operating Cash Flow Ratio
-0.180.070.180.830.800.86N/A0.83
Cash Flow Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
37.18%33.31%12.50%21.83%17.68%18.84%N/A21.83%