Pinnacle 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
25.6923.9311.2915.049.2910.8611.468.818.666.7817.399.29
Price/Sales ratio
2.692.512.052.542.502.641.882.262.231.952.932.50
Price/Book Value ratio
1.020.960.981.301.231.120.771.020.990.901.501.23
Price/Cash Flow ratio
13.9923.1112.5444.006.6511.029.707.748.506.57N/A11.02
Price/Free Cash Flow ratio
14.5677.1213.30-11.167.6711.5317.478.228.726.61N/A11.53
Price/Earnings Growth ratio
-0.303.110.080.880.16-1.18-0.360.091.250.190.07-1.18
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%100%124.11%N/A100%
Operating Profit Margin
17.34%17.88%30.86%35.46%40.22%35.58%23.98%36.21%36.38%40.41%24.12%35.58%
Pretax Profit Margin
17.34%17.88%30.86%33.77%37.45%35.58%23.98%36.21%36.38%40.41%33.77%35.58%
Net Profit Margin
10.47%10.51%18.21%16.89%26.90%24.36%16.45%25.69%25.77%28.74%16.89%24.36%
Effective Tax Rate
39.58%41.24%40.96%49.97%28.15%31.54%31.39%29.05%29.17%28.86%49.97%28.15%
Return on Assets
0.41%0.40%0.83%0.86%1.48%1.32%0.63%1.04%1.11%1.44%0.86%1.32%
Return On Equity
4.00%4.04%8.72%8.63%13.30%10.35%6.76%11.67%11.47%13.38%8.94%10.35%
Return on Capital Employed
0.69%0.69%1.42%1.83%2.25%1.98%0.94%1.50%1.60%8.05%N/A1.98%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
59.2731.1222.2432.2821.6515.5524.8143.7915.220.41N/A15.55
Cash ratio
51.9226.869.6914.569.596.9111.0920.295.100.14N/A6.91
Days of Sales Outstanding
275.69256.38N/A156.90174.33213.90216.09205.75207.45173.75156.90213.90
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/A173.75N/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A-546.25N/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/A720.01N/AN/A
Debt Ratios
Debt Ratio
N/AN/AN/AN/AN/A0.000.000.000.00N/A0.900.90
Debt Equity Ratio
N/AN/AN/AN/AN/A0.060.080.000.00N/A9.009.00
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/A0.07N/AN/AN/AN/AN/A
Total Debt to Capitalization
N/AN/AN/AN/AN/A0.050.070.000.00N/AN/A0.05
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A14.30N/A
Cash Flow to Debt Ratio
N/AN/AN/AN/AN/A1.630.9323.0921.91N/AN/A1.63
Company Equity Multiplier
9.549.9710.4710.008.947.8010.5911.1210.289.2910.008.94
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.190.100.160.050.370.230.190.290.260.29N/A0.23
Free Cash Flow / Operating Cash Flow Ratio
0.960.290.94-3.940.860.950.550.940.970.99N/A0.95
Cash Flow Coverage Ratio
N/AN/AN/AN/AN/A1.630.9323.0921.91N/AN/A1.63
Short Term Coverage Ratio
N/AN/AN/AN/AN/A1.63N/A23.0921.91N/AN/A1.63
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A