SSB Bancorp
Financial ratios & Valuation

Historical Multiples (2015 – 2023)

2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
22.2036.1236.0649.1639.7812.1718.0612.119.0614.2325.97
Price/Sales ratio
3.935.864.794.083.331.611.901.891.702.482.90
Price/Book Value ratio
1.931.841.750.920.830.770.860.660.630.770.80
Price/Cash Flow ratio
58.3025.2328.1338.2116.74-0.31-0.47-1.02-9.3517.8117.28
Price/Free Cash Flow ratio
-11.52291.60-10.7152.6817.97-0.31-0.47-1.02-8.6221.2135.32
Price/Earnings Growth ratio
N/A-0.91N/A-1.593.580.05-0.790.560.211.182.38
Dividend Yield
N/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%N/A100%
Operating Profit Margin
32.24%79.41%78.69%73.02%10.47%17.81%12.75%20.48%24.48%N/A14.14%
Pretax Profit Margin
28.39%24.26%26.45%9.69%10.47%17.82%12.75%20.48%24.48%23.57%10.08%
Net Profit Margin
17.71%16.23%13.28%8.30%8.37%13.26%10.53%15.66%18.84%17.44%8.34%
Effective Tax Rate
37.62%33.09%49.78%14.25%19.99%25.56%17.38%23.55%23.04%25.98%17.12%
Return on Assets
0.74%0.41%0.34%0.20%0.21%0.61%0.47%0.52%0.64%0.53%0.20%
Return On Equity
8.69%5.11%4.86%1.87%2.08%6.34%4.77%5.47%6.98%5.63%1.98%
Return on Capital Employed
1.72%2.03%2.03%1.77%0.26%1.41%1.38%0.69%2.73%N/A0.84%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
0.60103.50173.5441.17180.990.510.14225.600.13N/A90.75
Cash ratio
0.5249.1084.3238.6773.52-0.02-0.0192.730.12N/A36.76
Days of Sales Outstanding
N/AN/AN/A50.97N/AN/AN/A49.8052.4859.67N/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/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/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.160.120.150.160.150.160.110.070.060.900.16
Debt Equity Ratio
1.911.482.181.541.501.701.200.790.749.241.52
Long-term Debt to Capitalization
0.630.590.680.600.600.570.500.440.420.520.58
Total Debt to Capitalization
0.650.590.680.600.600.630.540.440.42N/A0.61
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
0.010.040.020.010.03-1.43-1.51-0.81-0.09N/A0.01
Company Equity Multiplier
11.6312.2814.199.299.7010.3910.1510.3510.8710.249.49
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.060.230.170.100.19-5.11-4.02-1.84-0.180.130.16
Free Cash Flow / Operating Cash Flow Ratio
-5.050.08-2.620.720.931.001.001.001.080.830.96
Cash Flow Coverage Ratio
0.010.040.020.010.03-1.43-1.51-0.81-0.09N/A0.01
Short Term Coverage Ratio
0.18N/AN/AN/AN/A-6.88-10.53N/AN/AN/AN/A
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A