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Sturgis Bancorp Inc (STBI)
OTHER OTC:STBI
US Market

Sturgis Bancorp (STBI) Ratios

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Sturgis Bancorp Ratios

STBI's free cash flow for Q2 2025 was $0.70. For the 2025 fiscal year, STBI's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.12 0.12 0.11 0.21
Quick Ratio
0.00 0.12 0.12 0.11 0.21
Cash Ratio
0.00 0.03 0.05 0.02 0.07
Solvency Ratio
<0.01 <0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
0.00 <0.01 0.01 0.02 0.02
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -921.34M$ -803.11M$ -767.94M$ -731.42M$ -574.25M
Leverage Ratios
Debt-to-Assets Ratio
0.03 0.08 0.06 0.10 0.14
Debt-to-Equity Ratio
0.49 1.37 0.98 1.63 1.98
Debt-to-Capital Ratio
0.33 0.58 0.50 0.62 0.66
Long-Term Debt-to-Capital Ratio
0.33 0.58 0.50 0.62 0.66
Financial Leverage Ratio
15.79 17.26 16.49 16.46 14.34
Debt Service Coverage Ratio
0.44 0.15 0.65 1.83 2.10
Interest Coverage Ratio
0.54 0.17 0.58 1.78 1.86
Debt to Market Cap
0.59 1.95 1.42 1.98 2.56
Interest Debt Per Share
22.10 44.04 31.33 42.26 50.63
Net Debt to EBITDA
2.18 17.48 1.64 7.39 6.39
Profitability Margins
Gross Profit Margin
71.58%58.46%72.39%87.32%84.21%
EBIT Margin
15.65%5.63%14.60%22.59%23.34%
EBITDA Margin
15.65%5.63%18.50%27.07%30.28%
Operating Profit Margin
15.65%5.63%14.60%22.59%23.34%
Pretax Profit Margin
15.65%5.63%14.60%22.59%23.34%
Net Profit Margin
12.69%5.05%12.28%18.71%19.29%
Continuous Operations Profit Margin
12.69%5.05%12.28%18.71%19.29%
Net Income Per EBT
81.12%89.77%84.09%82.81%82.66%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.75%0.30%0.65%0.77%0.84%
Return on Equity (ROE)
12.41%5.12%10.79%12.60%12.10%
Return on Capital Employed (ROCE)
0.92%2.26%6.02%5.53%4.59%
Return on Invested Capital (ROIC)
0.75%2.03%5.06%4.58%3.80%
Return on Tangible Assets
0.75%0.30%0.66%0.77%0.85%
Earnings Yield
14.38%7.28%15.53%15.27%15.68%
Efficiency Ratios
Receivables Turnover
17.14 16.48 15.82 13.15 17.36
Payables Turnover
0.00 8.96 8.18 5.90 12.22
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
3.15 3.00 2.56 2.03 2.49
Asset Turnover
0.06 0.06 0.05 0.04 0.04
Working Capital Turnover Ratio
8.35 -0.08 -0.07 -0.06 1.90
Cash Conversion Cycle
21.30 -18.57 -21.53 -34.06 -8.86
Days of Sales Outstanding
21.30 22.15 23.07 27.76 21.02
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 40.72 44.60 61.82 29.88
Operating Cycle
21.30 22.15 23.07 27.76 21.02
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 3.54 5.16 5.64 5.93
Free Cash Flow Per Share
0.00 3.05 3.65 3.17 4.89
CapEx Per Share
0.00 0.50 1.51 2.46 1.04
Free Cash Flow to Operating Cash Flow
0.00 0.86 0.71 0.56 0.82
Dividend Paid and CapEx Coverage Ratio
0.00 3.01 2.35 1.79 3.53
Capital Expenditure Coverage Ratio
0.00 7.12 3.41 2.29 5.69
Operating Cash Flow Coverage Ratio
0.00 0.10 0.20 0.14 0.12
Operating Cash Flow to Sales Ratio
0.00 0.14 0.23 0.34 0.38
Free Cash Flow Yield
0.00%16.82%20.17%15.64%25.73%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
6.96 13.73 6.44 6.55 6.38
Price-to-Sales (P/S) Ratio
0.88 0.69 0.79 1.23 1.23
Price-to-Book (P/B) Ratio
0.82 0.70 0.69 0.82 0.77
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 5.94 4.96 6.39 3.89
Price-to-Operating Cash Flow Ratio
0.00 5.11 3.51 3.60 3.20
Price-to-Earnings Growth (PEG) Ratio
11.93 -0.26 -0.69 1.63 1.29
Price-to-Fair Value
0.82 0.70 0.69 0.82 0.77
Enterprise Value Multiple
7.83 29.81 5.91 11.91 10.45
Enterprise Value
72.02M 94.15M 53.57M 114.12M 104.10M
EV to EBITDA
7.83 29.81 5.91 11.91 10.45
EV to Sales
1.23 1.68 1.09 3.23 3.17
EV to Free Cash Flow
0.00 14.37 6.86 16.83 10.00
EV to Operating Cash Flow
0.00 12.35 4.85 9.48 8.24
Tangible Book Value Per Share
26.57 21.59 21.92 20.49 20.48
Shareholders’ Equity Per Share
29.27 25.76 26.04 24.61 24.63
Tax and Other Ratios
Effective Tax Rate
0.19 0.10 0.16 0.17 0.17
Revenue Per Share
27.19 26.08 22.89 16.57 15.45
Net Income Per Share
3.45 1.32 2.81 3.10 2.98
Tax Burden
0.81 0.90 0.84 0.83 0.83
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.38 0.33 0.37 0.42 0.39
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
0.00 2.69 1.84 1.82 1.99
Currency in USD