Huron Valley Bancorp
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
9.997.648.799.387.559.59.547.958.728.13N/A8.52
Price/Sales ratio
1.711.511.591.671.712.071.872.041.942.16N/A1.89
Price/Book Value ratio
0.640.660.870.990.981.160.920.930.950.98N/A1.07
Price/Cash Flow ratio
N/AN/AN/AN/AN/A7.299.156.386.396.64N/A3.64
Price/Free Cash Flow ratio
N/AN/AN/AN/AN/A7.6110.736.676.556.87N/A3.80
Price/Earnings Growth ratio
0.250.16-5.451.040.181.48-0.760.22-2.940.31N/A0.83
Dividend Yield
N/AN/AN/AN/AN/A0.57%0.48%0.43%0.49%0.41%N/A0.28%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%66.24%N/A100%
Operating Profit Margin
28.30%29.86%27.44%29.84%28.68%27.34%24.86%32.48%28.16%45.06%N/A28.01%
Pretax Profit Margin
28.30%29.86%27.44%29.84%28.68%27.34%24.86%32.48%28.16%33.67%N/A28.01%
Net Profit Margin
17.18%19.83%18.12%17.82%22.65%21.87%19.64%25.66%22.27%26.61%N/A22.26%
Effective Tax Rate
37.00%33.57%33.94%40.29%20.99%19.99%21.00%20.97%20.89%20.96%N/A20.49%
Return on Assets
0.67%0.88%0.82%0.81%1.06%1.10%0.78%0.86%0.87%1.08%N/A1.08%
Return On Equity
6.40%8.71%9.95%10.56%13.04%12.24%9.73%11.73%10.90%12.12%N/A12.64%
Return on Capital Employed
1.12%2.01%1.84%2.04%2.08%2.01%1.60%2.08%2.02%4.12%N/A2.04%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
59.400.090.120.270.240.300.470.750.500.18N/A0.27
Cash ratio
59.400.090.120.270.240.300.440.740.490.18N/A0.27
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
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/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.010.010.020.020.010.010.010.000.000.00N/A0.01
Debt Equity Ratio
0.120.160.240.280.240.180.130.080.090.09N/A0.21
Long-term Debt to Capitalization
0.100.140.190.220.190.150.120.080.080.08N/A0.17
Total Debt to Capitalization
0.100.140.190.220.190.150.120.080.080.08N/A0.17
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
N/AN/AN/AN/AN/A0.860.741.641.501.52N/A0.43
Company Equity Multiplier
9.429.8312.1212.9912.1911.0512.3413.6012.4911.17N/A11.62
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
N/AN/AN/AN/AN/A0.280.200.310.300.32N/A0.14
Free Cash Flow / Operating Cash Flow Ratio
N/AN/AN/AN/AN/A0.950.850.950.970.96N/A0.47
Cash Flow Coverage Ratio
N/AN/AN/AN/AN/A0.860.741.641.501.52N/A0.43
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
N/AN/AN/AN/AN/A5.50%4.61%3.42%4.31%3.40%N/A2.75%