Ratios	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	―	0.30	0.53	0.39	0.36
Quick Ratio	―	0.30	0.53	0.39	0.36
Cash Ratio	―	0.05	0.07	0.05	0.04
Solvency Ratio	―	0.03	0.03	0.02	0.02
Operating Cash Flow Ratio	―	0.03	0.06	0.03	0.02
Short-Term Operating Cash Flow Coverage	―	38.52	1.44	0.44	39.33
Net Current Asset Value	$ ―	$ -951.32M	$ -774.70M	$ -769.38M	$ -644.85M
Leverage Ratios
Debt-to-Assets Ratio	―	0.03	0.05	0.08	0.04
Debt-to-Equity Ratio	―	0.23	0.56	1.13	0.44
Debt-to-Capital Ratio	―	0.18	0.36	0.53	0.31
Long-Term Debt-to-Capital Ratio	―	0.18	0.23	0.53	0.31
Financial Leverage Ratio	―	8.93	10.44	14.02	12.10
Debt Service Coverage Ratio	―	2.32	0.78	0.39	6.46
Interest Coverage Ratio	―	3.37	5.07	11.79	10.37
Debt to Market Cap	―	0.13	0.31	0.90	0.23
Interest Debt Per Share	―	16.36	26.06	34.48	13.69
Net Debt to EBITDA	―	-0.58	0.20	1.23	0.04
Profitability Margins
Gross Profit Margin	―	83.83%	87.88%	94.57%	90.84%
EBIT Margin	―	44.56%	51.53%	58.29%	54.76%
EBITDA Margin	―	44.71%	51.84%	58.61%	55.03%
Operating Profit Margin	―	44.56%	51.53%	58.29%	54.76%
Pretax Profit Margin	―	44.56%	51.53%	58.29%	54.76%
Net Profit Margin	―	32.44%	37.41%	42.86%	39.84%
Continuous Operations Profit Margin	―	32.44%	37.41%	42.86%	39.84%
Net Income Per EBT	―	72.82%	72.60%	73.53%	72.74%
EBT Per EBIT	―	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	―	2.27%	2.46%	2.05%	1.90%
Return on Equity (ROE)	―	20.28%	25.68%	28.72%	22.99%
Return on Capital Employed (ROCE)	―	21.34%	9.19%	18.33%	21.95%
Return on Invested Capital (ROIC)	―	15.48%	3.63%	10.11%	15.91%
Return on Tangible Assets	―	2.27%	2.46%	2.05%	1.90%
Earnings Yield	―	10.98%	14.07%	14.06%	11.74%
Efficiency Ratios
Receivables Turnover	―	0.00	0.00	1.91	2.61
Payables Turnover	―	0.00	0.00	0.20	0.32
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	274.09	229.42	153.16	175.27
Asset Turnover	―	0.07	0.07	0.05	0.05
Working Capital Turnover Ratio	―	-0.16	-0.17	-0.10	-0.09
Cash Conversion Cycle	―	0.00	0.00	-1.60K	-1.02K
Days of Sales Outstanding	―	0.00	0.00	191.20	139.85
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	0.00	1.79K	1.16K
Operating Cycle	―	0.00	0.00	191.20	139.85
Cash Flow Ratios
Operating Cash Flow Per Share	―	10.84	15.41	9.17	6.11
Free Cash Flow Per Share	―	10.79	15.32	9.07	6.02
CapEx Per Share	―	0.05	0.09	0.10	0.08
Free Cash Flow to Operating Cash Flow	―	1.00	0.99	0.99	0.99
Dividend Paid and CapEx Coverage Ratio	―	214.97	181.16	92.22	73.20
Capital Expenditure Coverage Ratio	―	214.97	181.16	92.22	73.20
Operating Cash Flow Coverage Ratio	―	0.90	0.66	0.27	0.48
Operating Cash Flow to Sales Ratio	―	0.33	0.55	0.46	0.36
Free Cash Flow Yield	―	11.01%	20.39%	14.99%	10.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	9.11	7.11	7.11	8.52
Price-to-Sales (P/S) Ratio	―	2.95	2.66	3.05	3.39
Price-to-Book (P/B) Ratio	―	1.85	1.83	2.04	1.96
Price-to-Free Cash Flow (P/FCF) Ratio	―	9.08	4.90	6.67	9.46
Price-to-Operating Cash Flow Ratio	―	9.04	4.88	6.60	9.33
Price-to-Earnings Growth (PEG) Ratio	―	5.07	0.29	0.26	0.11
Price-to-Fair Value	―	1.85	1.83	2.04	1.96
Enterprise Value Multiple	―	6.03	5.33	6.43	6.20
Enterprise Value	―	283.81M	247.88M	233.13M	175.92M
EV to EBITDA	―	6.03	5.33	6.43	6.20
EV to Sales	―	2.70	2.76	3.77	3.41
EV to Free Cash Flow	―	8.29	5.10	8.24	9.52
EV to Operating Cash Flow	―	8.25	5.07	8.16	9.39
Tangible Book Value Per Share	―	53.06	41.17	29.62	29.10
Shareholders’ Equity Per Share	―	53.06	41.17	29.62	29.10
Tax and Other Ratios
Effective Tax Rate	―	0.27	0.27	0.26	0.27
Revenue Per Share	―	33.16	28.26	19.84	16.79
Net Income Per Share	―	10.76	10.57	8.51	6.69
Tax Burden	―	0.73	0.73	0.74	0.73
Interest Burden	―	1.00	1.00	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.24	0.23	0.26	0.23
Stock-Based Compensation to Revenue	―	0.00	0.02	0.03	0.02
Income Quality	―	1.01	1.46	1.08	0.91

FFB Bancorp (FFBB) Ratios

FFB Bancorp Ratios