Southeastern Banking
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
3.5512.1610.7021.148.009.929.929.537.635.657.559.92
Price/Sales ratio
2.032.022.283.322.523.072.653.212.662.022.552.52
Price/Book Value ratio
0.630.700.841.220.991.100.871.081.150.851.040.99
Price/Cash Flow ratio
6.798.557.158.768.477.948.278.806.755.15N/A7.94
Price/Free Cash Flow ratio
7.228.857.6913.5316.498.248.3615.316.875.66N/A8.24
Price/Earnings Growth ratio
0.00-0.180.23-0.840.05-3.10-0.670.300.360.330.070.05
Dividend Yield
N/A1.54%2.56%2.02%2.51%7.24%3.33%7.18%2.91%3.68%6.03%2.51%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%101.12%94.48%100%
Operating Profit Margin
15.70%24.50%39.57%39.61%41.93%39.26%33.71%42.94%44.39%55.44%4.22%39.26%
Pretax Profit Margin
-11.73%23.34%30.14%37.55%39.07%38.82%33.33%42.53%44.39%45.54%43.10%39.07%
Net Profit Margin
57.22%16.67%21.34%15.74%31.52%31.03%26.73%33.75%34.89%35.87%34.04%31.52%
Effective Tax Rate
-587.46%28.56%29.21%58.07%19.32%20.06%19.80%20.63%21.39%21.23%21.02%19.32%
Return on Assets
2.03%0.66%0.93%0.67%1.63%1.44%1.05%1.16%1.34%1.71%1.83%1.63%
Return On Equity
17.83%5.76%7.93%5.78%12.39%11.18%8.76%11.40%15.18%15.16%14.85%12.39%
Return on Capital Employed
0.55%2.14%2.13%2.13%2.84%2.29%1.73%1.98%5.40%2.65%0.22%2.29%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
N/A0.391.121.070.560.921.011.000.28N/AN/A0.92
Cash ratio
N/A0.330.960.940.480.770.980.970.26N/AN/A0.77
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/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/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/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Equity Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Total Debt to Capitalization
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.43N/A
Cash Flow to Debt Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Company Equity Multiplier
8.778.738.488.527.597.738.339.7511.268.847.577.73
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.290.230.310.380.290.380.320.360.390.39N/A0.38
Free Cash Flow / Operating Cash Flow Ratio
0.930.960.920.640.510.960.980.570.980.91N/A0.96
Cash Flow Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
N/A18.80%27.47%42.83%20.12%71.93%33.09%68.46%22.24%20.83%N/A71.93%