The Farmers Bank of Appomattox
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
9.439.1510.0114.8713.8411.4010.219.248.958.649.4911.40
Price/Sales ratio
2.292.322.653.673.273.032.742.792.492.201.733.03
Price/Book Value ratio
0.710.720.881.151.020.870.740.811.030.760.710.87
Price/Cash Flow ratio
9.589.3713.2715.1910.0310.6510.037.726.515.98N/A10.65
Price/Free Cash Flow ratio
10.3410.3414.4116.0610.6712.3111.438.046.817.81N/A12.31
Price/Earnings Growth ratio
N/A0.890.62-1.77-7.540.974.060.37-2.73-0.880.17-7.54
Dividend Yield
3.98%3.72%3.15%2.55%2.93%3.00%3.59%3.64%4.33%4.54%4.34%2.93%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%131.78%100.90%100%
Operating Profit Margin
30.55%33.06%40.06%39.64%36.20%31.44%31.63%34.97%40.34%45.35%-11.46%31.44%
Pretax Profit Margin
30.55%33.06%30.65%30.25%27.40%31.44%31.63%34.97%31.86%29.23%20.96%31.44%
Net Profit Margin
24.36%25.40%26.46%24.69%23.64%26.59%26.91%30.20%27.90%25.45%18.28%26.59%
Effective Tax Rate
20.26%23.16%13.67%18.37%13.73%15.41%14.94%13.64%12.42%12.92%12.74%15.41%
Return on Assets
0.94%0.99%1.10%0.99%1.00%1.09%0.96%1.03%1.01%0.83%0.74%1.09%
Return On Equity
7.57%7.97%8.80%7.77%7.39%7.70%7.32%8.76%11.54%8.87%7.99%7.39%
Return on Capital Employed
1.18%1.30%1.66%1.59%1.54%1.29%1.13%1.20%1.46%3.68%-0.46%1.29%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
43.27144.71163.24709.20574.67488.771.05K1.32K572.840.04N/A488.77
Cash ratio
33.1243.3847.2159.1455.1038.8973.2559.2427.460.04N/A38.89
Days of Sales Outstanding
51.0748.1146.6244.0539.2538.1243.1444.1542.22N/A43.3639.25
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/A43.36N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A-2.18KN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A2.22KN/A
Debt Ratios
Debt Ratio
N/A0.000.000.00N/AN/AN/A0.00N/A0.00N/AN/A
Debt Equity Ratio
N/A0.050.030.04N/AN/AN/A0.05N/A0.07N/AN/A
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Total Debt to Capitalization
N/A0.040.030.04N/AN/AN/A0.05N/A0.06N/AN/A
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A-0.41N/A
Cash Flow to Debt Ratio
N/A1.531.981.58N/AN/AN/A1.97N/A1.82N/AN/A
Company Equity Multiplier
8.037.987.997.827.337.017.578.4411.3710.6010.177.33
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.240.240.190.240.320.280.270.360.380.36N/A0.28
Free Cash Flow / Operating Cash Flow Ratio
0.920.900.920.940.930.860.870.960.950.76N/A0.86
Cash Flow Coverage Ratio
N/A1.531.981.58N/AN/AN/A1.97N/A1.82N/AN/A
Short Term Coverage Ratio
N/A1.531.981.58N/AN/AN/A1.97N/A1.82N/AN/A
Dividend Payout Ratio
37.61%34.05%31.61%37.98%40.69%34.28%36.76%33.73%38.84%39.29%N/A34.28%