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STOCKS

Sturgis Bancorp (STBI)

:STBI

STBI

Sturgis Bancorp

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Sturgis Bancorp (STBI) Ratios

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Sturgis Bancorp Ratios

STBI's free cash flow for Q4 2024 was $0.67. For the 2024 fiscal year, STBI's free cash flow was decreased by $ and operating cash flow was $0.15. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.13	0.09	106.36	294.23	303.17
Quick Ratio	0.13	0.09	130.12	392.84	453.87
Cash Ratio	0.03	0.07	19.72	94.16	144.83
Solvency Ratio	<0.01	<0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.00	0.02	15.84	29.71	3.58
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -792.91M	$ -811.91M	$ -731.42M	$ -574.25M	$ -451.88M
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.06	0.10	0.14	0.12
Debt-to-Equity Ratio	0.87	0.98	1.63	1.98	1.62
Debt-to-Capital Ratio	0.46	0.50	0.62	0.66	0.62
Long-Term Debt-to-Capital Ratio	0.46	0.50	0.62	0.66	0.62
Financial Leverage Ratio	16.76	16.49	16.46	14.34	13.66
Debt Service Coverage Ratio	0.30	0.60	1.83	2.10	1.97
Interest Coverage Ratio	1.18	1.04	2.78	1.86	2.03
Debt to Market Cap	1.11	1.42	1.98	2.56	1.95
Interest Debt Per Share	29.87	31.33	42.26	50.63	37.68
Net Debt to EBITDA	3.73	1.74	7.39	6.39	0.84
Profitability Margins
Gross Profit Margin	92.45%	136.83%	100.00%	100.00%	100.00%
EBIT Margin	40.98%	19.80%	25.87%	26.68%	27.14%
EBITDA Margin	11.00%	23.53%	31.01%	34.62%	31.10%
Operating Profit Margin	34.15%	35.16%	40.40%	26.68%	27.14%
Pretax Profit Margin	14.65%	19.80%	25.87%	26.68%	27.14%
Net Profit Margin	12.22%	16.65%	21.43%	22.05%	22.46%
Continuous Operations Profit Margin	12.22%	16.65%	21.43%	22.05%	22.46%
Net Income Per EBT	83.39%	84.09%	82.81%	82.66%	82.74%
EBT Per EBIT	42.89%	56.33%	64.05%	100.00%	100.00%
Return on Assets (ROA)	0.65%	0.65%	0.77%	0.84%	0.93%
Return on Equity (ROE)	11.28%	10.79%	12.60%	12.10%	12.75%
Return on Capital Employed (ROCE)	15.22%	3.90%	1.44%	1.02%	1.13%
Return on Invested Capital (ROIC)	12.70%	3.17%	5.40%	2.50%	2.53%
Return on Tangible Assets	0.66%	0.66%	0.77%	0.85%	0.95%
Earnings Yield	15.87%	15.53%	15.27%	15.68%	15.39%
Efficiency Ratios
Receivables Turnover	14.46	0.00	0.00	0.00	0.00
Payables Turnover	1.89	-8.05	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.63	1.89	1.77	2.17	2.26
Asset Turnover	0.05	0.04	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.16	-0.16	0.30	0.21	0.24
Cash Conversion Cycle	-167.61	45.35	0.00	0.00	0.00
Days of Sales Outstanding	25.24	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	192.85	-45.35	0.00	0.00	0.00
Operating Cycle	25.24	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	5.16	5.64	5.93	0.81
Free Cash Flow Per Share	0.00	3.65	3.17	4.89	-0.70
CapEx Per Share	0.00	1.51	2.46	1.04	1.51
Free Cash Flow to Operating Cash Flow	0.00	0.71	0.56	0.82	-0.87
Dividend Paid and CapEx Coverage Ratio	0.00	2.35	1.79	3.53	0.38
Capital Expenditure Coverage Ratio	0.00	3.41	2.29	5.69	0.54
Operating Cash Flow Coverage Ratio	0.00	0.20	0.14	0.12	0.02
Operating Cash Flow to Sales Ratio	0.00	0.31	0.39	0.44	0.06
Free Cash Flow Yield	0.00%	20.17%	15.64%	25.73%	-3.80%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	6.30	6.44	6.55	6.38	6.50
Price-to-Sales (P/S) Ratio	0.87	1.07	1.40	1.41	1.46
Price-to-Book (P/B) Ratio	0.69	0.69	0.82	0.77	0.83
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	4.96	6.39	3.89	-26.35
Price-to-Operating Cash Flow Ratio	0.00	3.51	3.60	3.20	22.86
Price-to-Earnings Growth (PEG) Ratio	0.05	-0.69	1.63	1.29	0.30
Price-to-Fair Value	0.69	0.69	0.82	0.77	0.83
Enterprise Value Multiple	11.66	6.30	11.91	10.45	5.54
Enterprise Value	65.63M	53.57M	114.12M	104.10M	46.03M
EV to EBITDA	11.66	6.30	11.91	10.45	5.54
EV to Sales	1.28	1.48	3.69	3.62	1.72
EV to Free Cash Flow	0.00	6.86	16.83	10.00	-31.08
EV to Operating Cash Flow	0.00	4.85	9.48	8.24	26.97
Tangible Book Value Per Share	22.34	21.92	20.49	20.48	18.42
Shareholders’ Equity Per Share	26.51	26.04	24.61	24.63	22.28
Tax and Other Ratios
Effective Tax Rate	0.17	0.16	0.17	0.17	0.17
Revenue Per Share	23.71	16.87	14.47	13.51	12.65
Net Income Per Share	2.90	2.81	3.10	2.98	2.84
Tax Burden	0.83	0.84	0.83	0.83	0.83
Interest Burden	0.36	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	0.29	0.50	0.48	0.45	0.40
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	0.00	1.84	1.82	1.99	0.28

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