Pinnacle Bancshares
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
10.1810.7511.4110.113.0210.579.148.284.533.936.323.02
Price/Sales ratio
2.482.722.752.463.022.632.432.841.451.301.582.63
Price/Book Value ratio
0.830.921.090.890.850.990.841.093.551.371.270.85
Price/Cash Flow ratio
9.168.749.598.636.817.329.809.344.372.725.687.32
Price/Free Cash Flow ratio
10.349.4910.6617.517.998.1311.9711.944.713.876.828.13
Price/Earnings Growth ratio
2.050.951.950.950.01-0.160.600.16-5.471.34-3.13-0.16
Dividend Yield
2.55%2.17%1.94%1.97%1.96%2.57%2.58%2.19%4.60%5.56%3.86%1.96%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%99.99%100%100%
Operating Profit Margin
29.28%30.73%30.18%30.26%40.72%1.70%1.63%42.19%41.24%58.07%29.87%1.70%
Pretax Profit Margin
29.15%30.43%30.13%30.74%100%28.16%33.26%42.19%41.24%42.64%29.87%28.16%
Net Profit Margin
24.34%25.38%24.14%24.33%100%24.89%26.62%34.29%32.19%33.15%23.38%24.89%
Effective Tax Rate
16.49%16.59%19.89%20.83%7.08%11.61%19.96%18.73%21.94%22.23%21.71%7.08%
Return on Assets
0.92%1.01%1.05%1.05%3.49%1.25%1.15%1.38%1.35%1.30%1.14%1.25%
Return On Equity
8.19%8.59%9.61%8.82%28.36%9.38%9.26%13.15%78.49%35.03%27.20%27.20%
Return on Capital Employed
1.11%1.22%1.74%1.75%1.42%0.11%0.09%6.15%9.12%11.28%1.95%1.42%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.20N/A
Quick Ratio
15.3718.310.110.0910.970.140.090.070.070.080.200.20
Cash ratio
15.3718.310.030.0310.970.130.080.050.050.00N/A0.13
Days of Sales Outstanding
N/AN/AN/AN/AN/A40.2845.54N/AN/AN/AN/A40.28
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
0.010.010.010.020.010.010.010.000.000.040.030.01
Debt Equity Ratio
0.120.110.130.170.110.100.090.080.551.210.600.11
Long-term Debt to Capitalization
0.110.100.110.150.100.090.080.070.350.540.370.10
Total Debt to Capitalization
0.110.100.110.150.100.090.080.080.350.540.370.10
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A1.59N/A
Cash Flow to Debt Ratio
0.720.880.870.581.101.340.921.301.450.410.361.34
Company Equity Multiplier
8.858.499.118.378.127.488.039.5257.9826.7917.508.12
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.270.310.280.280.440.350.240.300.330.470.260.35
Free Cash Flow / Operating Cash Flow Ratio
0.880.920.890.490.850.900.810.780.920.700.890.85
Cash Flow Coverage Ratio
0.720.880.870.581.101.340.921.301.450.410.361.34
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/A29.6440.2143.54N/AN/AN/A
Dividend Payout Ratio
26.02%23.34%22.21%19.99%5.95%27.21%23.66%18.23%20.87%21.92%24.49%5.95%