Heritage Southeast Bancorporation
Financial ratios & Valuation

Historical Multiples (2016 – 2021)

2016 2017 2018 2019 2020 2021 TTM Median
Valuation Ratios
Price/Earnings ratio
1.8958.4517.92120.9042.0413.6713.63120.90
Price/Sales ratio
0.812.853.402.742.842.683.013.01
Price/Book Value ratio
0.381.411.820.771.301.221.431.43
Price/Cash Flow ratio
4.298.2913.1829.9210.539.17102.2013.18
Price/Free Cash Flow ratio
9.3311.00-23.63105.5914.719.87135.63-23.63
Price/Earnings Growth ratio
N/A-0.600.07-1.420.230.060.06-1.42
Dividend Yield
N/AN/AN/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%N/A100%
Operating Profit Margin
18.20%27.33%35.31%20.26%20.77%32.70%N/A20.26%
Pretax Profit Margin
11.08%19.36%23.98%4.14%8.35%25.34%28.21%23.98%
Net Profit Margin
42.66%4.88%18.98%2.26%6.75%19.66%22.06%18.98%
Effective Tax Rate
-285.03%74.78%20.85%45.28%19.11%22.40%21.79%20.85%
Return on Assets
1.61%0.19%0.86%0.06%0.28%0.83%0.91%0.86%
Return On Equity
20.48%2.42%10.18%0.64%3.10%8.97%10.47%10.18%
Return on Capital Employed
0.68%1.11%1.61%0.59%0.87%1.41%N/A0.59%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
1.23K669.9218.69125.1490.3440.53N/A125.14
Cash ratio
574.21409.047.1019.0314.888.51N/A19.03
Days of Sales Outstanding
12.3613.2913.4333.5421.3316.83N/A33.54
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
0.020.020.050.010.020.020.910.05
Debt Equity Ratio
0.260.320.590.170.300.2810.490.59
Long-term Debt to Capitalization
0.200.240.330.090.160.050.050.09
Total Debt to Capitalization
0.200.240.370.140.230.220.220.14
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
0.340.520.230.150.400.470.040.15
Company Equity Multiplier
12.6912.2111.799.8211.0010.7411.4911.49
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.180.340.250.090.260.290.020.09
Free Cash Flow / Operating Cash Flow Ratio
0.450.75-0.550.280.710.920.75-0.55
Cash Flow Coverage Ratio
0.340.520.230.150.400.470.040.15
Short Term Coverage Ratio
N/AN/A1.740.381.200.600.060.38
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/A