Summit Bank Group
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
12.5012.7113.2719.0613.4213.588.4710.247.839.80151.4513.42
Price/Sales ratio
3.363.212.753.533.322.652.133.062.202.2915.533.32
Price/Book Value ratio
1.781.601.521.811.901.631.061.501.250.916.151.90
Price/Cash Flow ratio
11.0512.2713.8110.129.6010.914.129.856.813.9559.539.60
Price/Free Cash Flow ratio
12.00171.5117.7710.5411.4112.604.1713.398.544.8165.4811.41
Price/Earnings Growth ratio
0.201.496.774.950.20-4.070.300.340.33-0.28-0.73-4.07
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%172.90%N/A100%
Operating Profit Margin
42.80%40.97%33.87%34.37%33.87%26.87%34.60%40.36%37.65%44.42%15.73%26.87%
Pretax Profit Margin
42.44%40.70%33.37%33.40%33.29%26.14%33.87%40.17%37.46%32.14%15.73%26.14%
Net Profit Margin
26.88%25.28%20.71%18.52%24.76%19.56%25.20%29.91%28.16%23.46%10.25%19.56%
Effective Tax Rate
36.64%37.88%37.92%44.55%25.63%25.14%25.61%25.52%24.82%26.99%34.98%25.63%
Return on Assets
1.33%1.15%1.01%0.97%1.38%1.10%1.04%1.20%1.39%0.82%0.39%1.10%
Return On Equity
14.24%12.59%11.47%9.50%14.20%12.00%12.56%14.64%16.01%9.32%4.19%12.00%
Return on Capital Employed
2.13%1.88%8.60%9.64%12.46%2.08%1.95%2.16%15.82%10.57%N/A2.08%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
185.43258.760.160.150.160.370.921.010.250.19N/A0.37
Cash ratio
185.43258.760.050.040.040.100.790.870.160.08N/A0.10
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A37.94N/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/A37.94N/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A-1.27N/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/A39.21N/AN/A
Debt Ratios
Debt Ratio
N/AN/A0.000.000.000.000.020.020.020.050.900.00
Debt Equity Ratio
N/AN/A0.060.000.030.030.350.280.250.619.230.03
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/A0.200.180.36N/AN/A
Total Debt to Capitalization
N/AN/A0.060.000.030.030.260.220.200.37N/A0.03
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.30N/A
Cash Flow to Debt Ratio
N/AN/A1.6845.335.003.860.720.530.720.37N/A3.86
Company Equity Multiplier
10.6410.8611.339.7210.2710.8412.0612.1811.4711.2910.2310.84
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.300.260.190.340.340.240.510.310.320.580.260.24
Free Cash Flow / Operating Cash Flow Ratio
0.920.070.770.960.840.860.980.730.790.820.900.84
Cash Flow Coverage Ratio
N/AN/A1.6845.335.003.860.720.530.720.37N/A3.86
Short Term Coverage Ratio
N/AN/A1.6845.335.003.860.727.078.755.79N/A3.86
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A