Ratios	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	―	0.15	0.65	0.21	0.39
Quick Ratio	―	0.15	0.65	0.21	0.39
Cash Ratio	―	0.15	0.63	0.21	0.38
Solvency Ratio	―	0.01	0.02	0.01	<0.01
Operating Cash Flow Ratio	―	0.02	0.09	<0.01	<0.01
Short-Term Operating Cash Flow Coverage	―	0.00	1.56	0.00	0.00
Net Current Asset Value	$ ―	$ -229.79M	$ -252.32M	$ -260.37M	$ -194.57M
Leverage Ratios
Debt-to-Assets Ratio	―	0.00	<0.01	0.00	0.00
Debt-to-Equity Ratio	―	0.00	0.09	0.00	0.00
Debt-to-Capital Ratio	―	0.00	0.09	0.00	0.00
Long-Term Debt-to-Capital Ratio	―	0.00	0.00	0.00	0.00
Financial Leverage Ratio	―	8.57	9.88	13.37	11.16
Debt Service Coverage Ratio	―	-0.99	1.43	8.57	4.70
Interest Coverage Ratio	―	4.03	10.08	9.27	4.29
Debt to Market Cap	―	0.00	0.12	0.00	0.00
Interest Debt Per Share	―	1.33	5.00	0.60	0.63
Net Debt to EBITDA	―	0.00	-4.60	-14.11	-44.80
Profitability Margins
Gross Profit Margin	―	100.00%	96.83%	97.24%	96.53%
EBIT Margin	―	-3.58%	31.98%	25.56%	14.91%
EBITDA Margin	―	0.00%	35.28%	29.63%	20.08%
Operating Profit Margin	―	21.77%	31.98%	25.56%	14.91%
Pretax Profit Margin	―	23.65%	31.98%	25.56%	14.91%
Net Profit Margin	―	18.31%	24.68%	19.58%	11.15%
Continuous Operations Profit Margin	―	18.31%	24.68%	19.58%	11.15%
Net Income Per EBT	―	77.44%	77.17%	76.60%	74.76%
EBT Per EBIT	―	108.62%	100.00%	100.00%	100.00%
Return on Assets (ROA)	―	1.08%	1.44%	0.88%	0.43%
Return on Equity (ROE)	―	9.23%	14.23%	11.77%	4.78%
Return on Capital Employed (ROCE)	―	10.10%	2.24%	13.63%	5.72%
Return on Invested Capital (ROIC)	―	7.82%	1.70%	10.44%	4.28%
Return on Tangible Assets	―	1.09%	1.45%	0.89%	0.43%
Earnings Yield	―	8.37%	18.76%	14.99%	6.85%
Efficiency Ratios
Receivables Turnover	―	17.53	16.52	14.05	22.40
Payables Turnover	―	0.00	6.56	10.37	9.50
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	2.76	2.75	2.43	1.94
Asset Turnover	―	0.06	0.06	0.04	0.04
Working Capital Turnover Ratio	―	-0.15	-0.14	-0.07	-0.07
Cash Conversion Cycle	―	20.82	-33.55	-9.23	-22.11
Days of Sales Outstanding	―	20.82	22.09	25.98	16.30
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	55.64	35.20	38.40
Operating Cycle	―	20.82	22.09	25.98	16.30
Cash Flow Ratios
Operating Cash Flow Per Share	―	6.18	6.55	2.78	3.32
Free Cash Flow Per Share	―	5.91	5.74	2.54	3.09
CapEx Per Share	―	0.27	0.81	0.24	0.23
Free Cash Flow to Operating Cash Flow	―	0.96	0.88	0.91	0.93
Dividend Paid and CapEx Coverage Ratio	―	5.65	4.19	2.90	3.48
Capital Expenditure Coverage Ratio	―	22.55	8.07	11.67	14.19
Operating Cash Flow Coverage Ratio	―	0.00	1.56	0.00	0.00
Operating Cash Flow to Sales Ratio	―	0.25	0.26	0.13	0.18
Free Cash Flow Yield	―	10.94%	17.08%	8.88%	10.42%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	11.94	5.33	6.67	14.60
Price-to-Sales (P/S) Ratio	―	2.19	1.32	1.31	1.63
Price-to-Book (P/B) Ratio	―	1.10	0.76	0.79	0.70
Price-to-Free Cash Flow (P/FCF) Ratio	―	9.14	5.86	11.26	9.59
Price-to-Operating Cash Flow Ratio	―	8.74	5.13	10.30	8.92
Price-to-Earnings Growth (PEG) Ratio	―	-0.42	0.11	0.06	-0.45
Price-to-Fair Value	―	1.10	0.76	0.79	0.70
Enterprise Value Multiple	―	0.00	-0.87	-9.70	-36.70
Enterprise Value	―	-297.09K	-5.73M	-45.86M	-97.67M
EV to EBITDA	―	0.00	-0.87	-9.70	-36.70
EV to Sales	―	-0.02	-0.31	-2.87	-7.37
EV to Free Cash Flow	―	-0.07	-1.37	-24.78	-43.42
EV to Operating Cash Flow	―	-0.07	-1.20	-22.65	-40.36
Tangible Book Value Per Share	―	45.27	40.26	32.04	37.75
Shareholders’ Equity Per Share	―	49.00	44.30	36.40	42.44
Tax and Other Ratios
Effective Tax Rate	―	0.23	0.23	0.23	0.25
Revenue Per Share	―	24.69	25.54	21.89	18.19
Net Income Per Share	―	4.52	6.30	4.29	2.03
Tax Burden	―	0.77	0.77	0.77	0.75
Interest Burden	―	-6.60	1.00	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.06	0.02	0.03	0.04
Stock-Based Compensation to Revenue	―	0.00	0.00	0.00	0.00
Income Quality	―	1.37	1.04	0.65	1.64

Peoples Bancorp (PEBC) Ratios

Peoples Bancorp Ratios