Partners Bancorp
Financial ratios & Valuation

Historical Multiples (2013 – 2022)

2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 TTM Median
Valuation Ratios
Price/Earnings ratio
-5.839.2511.7711.7617.3312.2924.4920.4123.5211.608.1212.29
Price/Sales ratio
2.291.572.312.332.632.264.222.203.182.581.942.26
Price/Book Value ratio
0.790.711.051.021.201.021.100.851.241.130.891.02
Price/Cash Flow ratio
5.064.895.667.7110.977.5618.4549.069.417.608.897.56
Price/Free Cash Flow ratio
5.275.425.918.4714.929.0421.96-139.7810.817.819.199.19
Price/Earnings Growth ratio
0.00-0.060.235.64-1.210.39-0.61-6.730.750.14-0.20-1.21
Dividend Yield
N/AN/AN/A1.03%1.11%1.32%0.82%1.53%1.02%1.30%1.20%1.11%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%99.98%100%100%
Operating Profit Margin
-62.94%26.35%30.98%31.64%29.46%44.24%24.98%14.11%17.62%40.51%39.10%29.46%
Pretax Profit Margin
-62.94%26.35%30.98%31.64%29.46%26.28%25.01%15.36%18.50%29.41%31.95%29.46%
Net Profit Margin
-39.31%16.97%19.66%19.88%15.17%18.37%17.26%10.82%13.52%22.24%23.91%15.17%
Effective Tax Rate
37.54%35.60%36.54%37.15%48.49%30.07%30.86%21.41%22.15%25.06%26.16%30.07%
Return on Assets
-1.33%0.78%0.80%0.78%0.60%0.74%0.46%0.37%0.45%0.86%1.03%0.60%
Return On Equity
-13.60%7.77%8.99%8.69%6.95%8.30%4.52%4.18%5.28%9.82%11.20%6.95%
Return on Capital Employed
-2.16%1.23%1.26%1.24%1.17%1.80%0.70%0.48%0.59%1.64%1.70%1.17%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/A0.47N/AN/A14.94N/A
Quick Ratio
13.227.35322.43362.01336.9790.673.56901.6716.432.1314.9490.67
Cash ratio
3.992.12158.46110.40126.733.841.31577.9011.681.653.503.84
Days of Sales Outstanding
30.2622.9622.4225.2525.9225.7233.6036.4428.7127.2326.0425.92
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/A27.23N/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A9.75KN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/A-9.72KN/AN/A
Debt Ratios
Debt Ratio
0.040.040.050.060.080.070.080.090.050.050.030.07
Debt Equity Ratio
0.460.470.620.680.940.860.801.000.590.660.410.86
Long-term Debt to Capitalization
0.260.240.380.400.480.430.300.430.290.260.250.43
Total Debt to Capitalization
0.310.320.380.400.480.460.440.500.370.390.290.46
Interest Coverage Ratio
-3.392.472.24N/AN/AN/AN/A0.65N/AN/A1.99N/A
Cash Flow to Debt Ratio
0.330.300.290.190.110.150.070.010.220.220.240.11
Company Equity Multiplier
10.179.9211.1611.0911.4511.209.6211.1811.7311.3510.7011.20
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.450.320.400.300.230.290.220.040.330.330.210.29
Free Cash Flow / Operating Cash Flow Ratio
0.950.900.950.910.730.830.84-0.350.870.970.960.73
Cash Flow Coverage Ratio
0.330.300.290.190.110.150.070.010.220.220.240.11
Short Term Coverage Ratio
1.601.01N/AN/AN/A1.270.160.070.700.491.441.44
Dividend Payout Ratio
N/AN/AN/A12.22%19.25%16.34%20.27%31.43%24.00%15.17%13.61%16.34%