Standard AVB Financial Corp.
Financial ratios & Valuation

Historical Multiples (2010 – 2020)

2010 2011 2012 2013 2014 2015 2016 2018 2019 2020 TTM Median
Valuation Ratios
Price/Earnings ratio
14.8419.4718.950.2415.4713.3225.2615.7315.6721.27N/A13.32
Price/Sales ratio
3.042.983.640.043.373.024.994.114.124.17N/A3.02
Price/Book Value ratio
0.950.590.690.000.670.631.041.000.971.01N/A0.63
Price/Cash Flow ratio
14.287.9212.530.1112.1312.2224.8110.969.6015.33N/A12.22
Price/Free Cash Flow ratio
15.898.5713.370.129.1910.9622.8110.589.5415.37N/A10.96
Price/Earnings Growth ratio
0.41-2.090.840.050.650.79-2.52N/A29.78-1.06N/A0.79
Dividend Yield
N/AN/A1.08%72.62%0.99%1.30%1.32%2.95%2.94%2.73%N/A1.30%
Profitability Indicator Ratios
Gross Profit Margin
N/AN/AN/AN/A100%100%100%100%100%100%29.56%100%
Operating Profit Margin
30.19%21.24%26.96%26.21%54.34%32.20%27.55%54.92%60.92%22.30%0.02%32.20%
Pretax Profit Margin
30.19%21.24%26.96%26.21%30.36%32.20%27.55%32.79%33.27%22.30%25.39%32.20%
Net Profit Margin
20.50%15.31%19.23%19.58%21.80%22.74%19.78%26.12%26.29%19.62%21.87%21.80%
Effective Tax Rate
32.09%27.90%28.66%25.31%28.19%29.39%28.22%20.34%20.97%11.99%13.86%29.39%
Return on Assets
0.67%0.55%0.66%0.65%0.71%0.75%0.61%0.90%0.89%22.51%1.07%0.71%
Return On Equity
6.43%3.07%3.68%3.86%4.34%4.75%4.15%6.38%6.20%4.74%5.49%4.34%
Return on Capital Employed
N/AN/AN/A0.88%1.78%1.07%0.85%1.91%2.08%25.58%N/A1.07%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/A0.74N/AN/AN/AN/A
Quick Ratio
N/AN/AN/AN/A179.60171.15176.190.740.64N/AN/A171.15
Cash ratio
N/AN/AN/AN/A3.656.016.803.636.22N/AN/A6.01
Days of Sales Outstanding
94.6479.0867.0591.0385.0386.2295.8793.6856.067.59K66.5386.22
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
0.890.810.820.820.100.110.090.110.102.901.230.10
Debt Equity Ratio
8.594.524.534.850.640.750.660.790.690.616.330.64
Long-term Debt to Capitalization
0.450.260.250.270.390.430.400.430.410.370.350.43
Total Debt to Capitalization
N/AN/AN/A0.270.390.430.400.440.410.37N/A0.43
Interest Coverage Ratio
0.680.680.951.00N/A1.541.22N/AN/A-1.06-0.001.54
Cash Flow to Debt Ratio
0.080.200.160.200.080.060.060.110.140.10N/A0.06
Company Equity Multiplier
9.595.525.515.856.096.306.787.036.920.215.116.30
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.210.370.290.400.270.240.200.370.420.270.290.27
Free Cash Flow / Operating Cash Flow Ratio
0.890.920.930.981.311.111.081.031.000.990.991.11
Cash Flow Coverage Ratio
N/AN/AN/A0.200.080.060.060.110.140.10N/A0.06
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/A2.79N/AN/AN/AN/A
Dividend Payout Ratio
N/AN/A20.60%17.93%15.37%17.43%33.48%46.44%46.21%58.15%N/A17.43%