HV Bancorp
Financial ratios & Valuation

Historical Multiples (2015 – 2022)

2015 2016 2017 2018 2019 2020 2021 2022 TTM Median
Valuation Ratios
Price/Earnings ratio
41.3025.2825.7138.8039.286.0510.6725.4518.4539.28
Price/Sales ratio
2.822.611.492.792.781.261.542.201.762.78
Price/Book Value ratio
2.261.990.460.971.020.891.011.341.520.97
Price/Cash Flow ratio
13.58-4.191.1445.33-1.87-0.931.001.861.171.17
Price/Free Cash Flow ratio
14.45-4.051.1878.01-1.80-0.911.031.861.171.17
Price/Earnings Growth ratio
N/A0.396.94-1.202.980.01-0.37-0.55-0.66-1.20
Dividend Yield
N/AN/A195.92%3.65%N/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%18.15%100%
Operating Profit Margin
16.86%23.16%16.91%22.09%32.20%28.93%19.75%26.56%N/A32.20%
Pretax Profit Margin
8.31%15.64%7.80%9.47%8.64%28.93%19.75%10.89%12.03%9.47%
Net Profit Margin
6.84%10.34%5.81%7.19%7.07%20.93%14.51%8.66%9.58%7.19%
Effective Tax Rate
17.69%33.84%25.52%24.06%18.08%27.64%26.54%20.49%20.35%18.08%
Return on Assets
0.37%0.56%0.26%0.25%0.24%0.66%0.72%0.36%6.65%0.25%
Return On Equity
5.48%7.91%1.80%2.50%2.61%14.81%9.50%5.29%8.35%2.50%
Return on Capital Employed
0.92%1.26%0.76%0.79%1.12%0.92%0.98%1.12%N/A1.12%
Liquidity Ratios
Current Ratio
N/AN/A111.1928.03N/AN/AN/AN/A6.01N/A
Quick Ratio
N/AN/AN/AN/A103.25N/AN/A6.016.01103.25
Cash ratio
N/AN/AN/AN/A49.81N/AN/A1.500.1249.81
Days of Sales Outstanding
20.8719.4023.1232.0428.4219.7217.5135.06N/A28.42
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
0.040.100.040.070.090.030.080.0811.000.07
Debt Equity Ratio
0.611.540.280.710.980.871.061.2613.620.71
Long-term Debt to Capitalization
0.370.600.220.410.490.460.510.51N/A0.49
Total Debt to Capitalization
0.370.600.220.410.490.460.510.55N/A0.49
Interest Coverage Ratio
N/AN/A0.85N/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
0.27-0.301.410.02-0.55-1.090.940.57N/AN/A
Company Equity Multiplier
14.6014.036.899.6910.5522.1313.1314.621.2310.55
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.20-0.621.300.06-1.47-1.351.531.181.500.06
Free Cash Flow / Operating Cash Flow Ratio
0.931.030.970.581.041.020.970.990.990.58
Cash Flow Coverage Ratio
0.27-0.301.410.02-0.55-1.090.940.57N/AN/A
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/A3.706.63N/A
Dividend Payout Ratio
N/AN/A5037.60%141.68%N/AN/AN/AN/AN/AN/A