Oxford Bank
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
1.3013.0114.5725.189.9310.128.506.858.166.34-6.5810.12
Price/Sales ratio
0.891.671.872.231.802.132.262.402.011.792.141.80
Price/Book Value ratio
0.390.610.791.130.981.141.081.191.030.911.030.98
Price/Cash Flow ratio
N/AN/AN/AN/AN/A6.918.63N/AN/AN/A17.736.91
Price/Free Cash Flow ratio
N/AN/AN/AN/AN/A7.999.02N/AN/AN/A23.107.99
Price/Earnings Growth ratio
0.00-0.140.85-1.870.060.310.270.11-0.360.180.000.31
Dividend Yield
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%98.79%117.32%N/A100%
Operating Profit Margin
24.41%27.12%24.17%25.13%24.21%27.60%33.83%44.51%30.82%49.08%-54.19%27.60%
Pretax Profit Margin
8.60%18.56%19.09%23.99%22.86%26.72%33.83%44.51%30.82%36.07%-51.37%26.72%
Net Profit Margin
68.47%12.88%12.88%8.87%18.15%21.04%26.65%35.06%24.64%28.21%-32.60%21.04%
Effective Tax Rate
695.93%30.62%32.48%63.00%20.61%21.25%21.22%21.22%19.20%18.46%36.53%20.61%
Return on Assets
2.76%0.47%0.54%0.42%0.87%1.04%1.00%1.44%1.10%1.47%-1.28%1.04%
Return On Equity
30.00%4.75%5.47%4.52%9.91%11.32%12.72%17.34%12.69%14.38%-13.54%11.32%
Return on Capital Employed
0.98%1.19%1.24%1.35%1.31%1.60%1.59%2.34%1.77%4.06%-2.13%1.60%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
38.201.760.701.231.230.950.351.040.700.2731.821.23
Cash ratio
38.201.700.681.221.231.130.351.040.700.2719.701.23
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A165.58N/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
N/AN/AN/A0.000.000.000.070.020.010.010.910.00
Debt Equity Ratio
N/AN/AN/A0.010.020.000.920.240.220.1811.250.02
Long-term Debt to Capitalization
N/AN/AN/A0.010.020.000.480.190.180.15N/A0.00
Total Debt to Capitalization
N/AN/AN/A0.010.020.000.480.190.180.15N/A0.00
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A-0.66N/A
Cash Flow to Debt Ratio
N/AN/AN/AN/AN/A17.180.13N/AN/AN/AN/A17.18
Company Equity Multiplier
10.849.9610.0510.6711.3410.8412.7111.9711.449.7312.2511.34
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
N/AN/AN/AN/AN/A0.300.26N/AN/AN/A0.120.30
Free Cash Flow / Operating Cash Flow Ratio
N/AN/AN/AN/AN/A0.860.95N/AN/AN/A0.760.86
Cash Flow Coverage Ratio
N/AN/AN/AN/AN/A17.180.13N/AN/AN/AN/A17.18
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A3.23N/A
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A