University Bancorp
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
42.4610.179.649.2020.9911.592.304.2921.9913.6415.0115.01
Price/Sales ratio
0.880.750.720.920.880.630.480.850.960.680.790.63
Price/Book Value ratio
3.092.232.032.011.551.251.141.411.050.880.971.25
Price/Cash Flow ratio
-2.8825.67-3.60-290.9119.02-0.76-2.971.841.6514.1715.5815.58
Price/Free Cash Flow ratio
-2.73-220.46-3.15-13.216.88K-0.74-2.761.941.6718.2421.1421.14
Price/Earnings Growth ratio
-0.730.030.460.28-0.370.230.00-0.47-0.250.300.15-0.37
Dividend Yield
0.57%0.07%1.48%N/AN/A0.55%0.23%2.68%2.66%0.55%1.21%0.55%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
2.70%11.38%11.98%9.16%5.92%7.15%27.36%26.05%7.79%8.96%8.96%5.92%
Pretax Profit Margin
2.70%11.38%12.07%9.41%6.00%7.46%29.41%28.17%6.16%8.36%8.36%6.00%
Net Profit Margin
2.07%7.45%7.49%10.00%4.21%5.51%21.16%19.80%4.38%5.00%5.00%4.21%
Effective Tax Rate
36.56%34.50%34.61%-11.89%23.44%22.00%21.07%22.15%20.98%25.03%25.03%23.44%
Return on Assets
0.62%1.78%1.99%2.08%0.90%0.99%5.02%5.06%0.47%0.58%0.58%0.99%
Return On Equity
7.29%21.92%21.05%21.92%7.38%10.77%49.47%32.88%4.81%6.46%6.67%10.77%
Return on Capital Employed
0.82%2.73%3.20%1.91%1.27%1.30%6.51%6.69%0.85%1.92%1.92%1.27%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.09N/A
Quick Ratio
11.52157.2079.81148.54131.90164.86239.4579.90101.000.090.09164.86
Cash ratio
8.6473.2735.8671.2456.1979.37114.4336.9643.760.050.0579.37
Days of Sales Outstanding
16.2516.60N/A17.2015.9717.51N/AN/AN/A30.4530.4515.97
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/A30.45N/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/A30.45N/A
Debt Ratios
Debt Ratio
0.010.000.010.000.000.000.030.030.100.140.140.00
Debt Equity Ratio
0.140.100.130.070.050.040.320.251.011.631.630.05
Long-term Debt to Capitalization
0.120.090.110.060.050.040.230.190.500.610.610.05
Total Debt to Capitalization
0.120.090.110.060.050.040.240.200.500.620.620.05
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.58N/A
Cash Flow to Debt Ratio
-7.400.80-4.32-0.091.50-34.04-1.192.970.630.030.03-34.04
Company Equity Multiplier
11.6812.3110.5610.528.1810.789.856.4910.0911.0911.098.18
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-0.300.02-0.20-0.000.04-0.83-0.160.450.580.040.040.04
Free Cash Flow / Operating Cash Flow Ratio
1.05-0.111.1422.020.001.031.070.940.980.770.770.00
Cash Flow Coverage Ratio
-7.400.80-4.32-0.091.50-34.04-1.192.970.630.030.03-34.04
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/A-21.3949.2861.075.225.22N/A
Dividend Payout Ratio
24.40%0.80%14.36%N/AN/A6.47%0.53%11.51%58.53%7.58%7.58%6.47%