Town Center Bank
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
12.8476.7610.3754.094.463.519.685.5827.5010.54149.704.46
Price/Sales ratio
1.291.652.042.121.871.911.371.361.281.501.631.91
Price/Book Value ratio
0.500.620.740.830.670.550.460.540.460.650.530.55
Price/Cash Flow ratio
10.3815.5911.9513.7511.6613.694.853.58-249.465.31N/A13.69
Price/Free Cash Flow ratio
11.5520.9114.5516.0412.2617.224.903.61-63.455.51N/A17.22
Price/Earnings Growth ratio
-0.04-0.940.01-0.670.000.11-0.140.04-0.320.030.250.00
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%100%N/A100%
Operating Profit Margin
26.00%19.32%34.85%16.78%29.66%8.73%20.55%34.13%12.00%N/AN/A8.73%
Pretax Profit Margin
10.06%2.15%19.67%3.92%11.06%8.73%20.55%34.13%6.71%20.41%8.66%8.73%
Net Profit Margin
10.06%2.15%19.67%3.92%42.07%54.49%14.17%24.42%4.67%14.23%1.09%54.49%
Effective Tax Rate
158.24%797.36%77.18%327.81%-280.17%-524.23%31.06%28.43%30.42%30.25%87.41%-280.17%
Return on Assets
0.34%0.07%0.73%0.15%1.66%2.1%0.46%1.07%0.19%0.71%0.03%2.1%
Return On Equity
3.95%0.81%7.15%1.54%15.17%15.76%4.78%9.75%1.67%6.20%0.33%15.76%
Return on Capital Employed
0.89%0.65%1.31%0.65%1.17%0.35%0.71%1.52%0.50%N/AN/A0.35%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
4.4187.27283.19126.88188.846.047.5835.0596.26N/AN/A6.04
Cash ratio
4.2037.6931.3115.1019.020.592.1811.9922.62N/AN/A0.59
Days of Sales Outstanding
49.95N/AN/AN/AN/AN/AN/AN/A38.25N/A36.51N/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
0.010.01N/A0.030.020.040.000.04N/A0.130.900.02
Debt Equity Ratio
0.210.21N/A0.300.260.350.010.39N/A1.189.500.26
Long-term Debt to Capitalization
0.170.17N/A0.230.200.060.010.24N/A0.54N/A0.06
Total Debt to Capitalization
0.170.17N/A0.230.200.260.010.28N/A0.54N/A0.26
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
0.230.18N/A0.190.220.115.740.38N/A0.10N/A0.11
Company Equity Multiplier
11.6111.189.6810.079.137.5010.249.068.578.7110.509.13
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.120.100.170.150.160.140.280.38-0.000.28N/A0.14
Free Cash Flow / Operating Cash Flow Ratio
0.890.740.820.850.950.790.980.993.930.96N/A0.79
Cash Flow Coverage Ratio
0.230.18N/A0.190.220.115.740.38N/A0.10N/A0.11
Short Term Coverage Ratio
N/AN/AN/AN/AN/A0.14N/A2.50N/AN/AN/A0.14
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A