First Choice Bancorp
Financial ratios & Valuation

Historical Multiples (2013 – 2020)

2013 2014 2015 2016 2017 2018 2019 2020 TTM Median
Valuation Ratios
Price/Earnings ratio
36.9331.3630.5822.8726.0617.5111.317.479.8926.06
Price/Sales ratio
6.445.545.345.274.884.533.742.333.434.88
Price/Book Value ratio
3.052.271.781.861.811.061.200.771.171.81
Price/Cash Flow ratio
25.9046.2640.5010.3916.69774.885.217.7612.4710.39
Price/Free Cash Flow ratio
28.6675.6944.4810.5117.49-557.915.298.1312.7110.51
Price/Earnings Growth ratio
N/A0.6113.150.67-2.190.720.131.972.530.67
Dividend Yield
0.38%0.60%N/AN/A3.00%2.86%3.15%5.40%N/A3.00%
Profitability Indicator Ratios
Gross Profit Margin
N/A100%100%100%100%100%100%100%28.15%100%
Operating Profit Margin
N/A49.69%48.39%56.11%54.77%51.83%61.76%44.29%14.27%54.77%
Pretax Profit Margin
24.85%30.31%30.08%39.25%39.37%36.91%47.40%44.29%49.45%39.25%
Net Profit Margin
17.45%17.69%17.48%23.05%18.75%25.90%33.07%31.29%34.76%23.05%
Effective Tax Rate
29.78%41.63%41.86%41.27%52.37%29.84%30.24%29.34%29.69%52.37%
Return on Assets
0.60%0.64%0.66%0.95%0.81%0.93%1.82%15.12%31.73%0.95%
Return On Equity
8.26%7.23%5.83%8.15%6.95%6.09%10.63%10.31%12.33%8.15%
Return on Capital Employed
N/A1.83%1.84%2.34%2.37%1.98%3.66%137.17%-10092.77%2.37%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/A0.270.27
Quick Ratio
N/A53.9825.4227.021.23K2.350.260.683.301.23K
Cash ratio
N/A32.8019.4419.03904.661.971.531.462.87904.66
Days of Sales Outstanding
66.5554.6458.9978.6528.9231.6723.6237.7534.7834.78
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.920.050.00N/A0.020.060.060.7620.5620.56
Debt Equity Ratio
12.540.560.06N/A0.190.390.380.527.707.70
Long-term Debt to Capitalization
0.450.360.06N/A0.160.030.030.000.240.24
Total Debt to Capitalization
0.450.360.06N/A0.160.280.270.340.390.39
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/A5.952.662.66
Cash Flow to Debt Ratio
0.140.080.67N/A0.560.000.600.180.140.56
Company Equity Multiplier
13.5411.138.788.518.556.545.820.680.378.55
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.240.110.130.500.290.000.710.300.270.29
Free Cash Flow / Operating Cash Flow Ratio
0.900.610.910.980.95-1.380.980.950.980.98
Cash Flow Coverage Ratio
0.140.080.67N/A0.560.000.600.180.140.56
Short Term Coverage Ratio
N/AN/AN/AN/AN/A0.000.670.190.28N/A
Dividend Payout Ratio
14.13%19.06%N/AN/A78.35%50.12%35.64%40.40%N/A78.35%