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Coeur d'Alene Bancorp (CDAB) Ratios
Coeur d'Alene Bancorp Ratios
CDAB's free cash flow for Q4 2025 was $2.01M. For the 2025 fiscal year, CDAB's free cash flow was decreased by $-767.34K and operating cash flow was $2.78M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 131.64 | 0.08 | 0.03 | 0.09 | 0.29 |
| Quick Ratio | 131.64 | 0.08 | 0.03 | 0.17 | 0.58 |
| Cash Ratio | 112.11 | 0.04 | 0.03 | 0.08 | 0.28 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 19.20 | 0.01 | 0.02 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 19.20 | 0.75 | 0.00 | 3050.34 | 17.12 |
| Net Current Asset Value | $ -197.32M | $ -204.18M | $ -213.42M | $ -208.15M | $ -161.70M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.09 | 0.07 | 0.02 | 0.02 |
| Debt-to-Equity Ratio | 0.24 | 0.93 | 0.81 | 0.29 | 0.26 |
| Debt-to-Capital Ratio | 0.19 | 0.48 | 0.45 | 0.23 | 0.21 |
| Long-Term Debt-to-Capital Ratio | 0.16 | 0.43 | 0.45 | 0.23 | 0.19 |
| Financial Leverage Ratio | 9.23 | 10.35 | 11.57 | 14.52 | 11.46 |
| Debt Service Coverage Ratio | 0.53 | 0.32 | 1.42 | 4.15 | 4.20 |
| Interest Coverage Ratio | 0.69 | 0.61 | 1.51 | 4.47 | 6.40 |
| Debt to Market Cap | 0.15 | 0.64 | 0.71 | 0.24 | 0.24 |
| Interest Debt Per Share | 4.74 | 13.32 | 9.69 | 2.93 | 3.17 |
| Net Debt to EBITDA | -5.06 | 6.86 | 3.88 | -3.95 | -21.59 |
| Profitability Margins | |||||
| Gross Profit Margin | 74.93% | 100.00% | 122.20% | 92.61% | 94.99% |
| EBIT Margin | 15.33% | -5.65% | 31.25% | 33.03% | 32.03% |
| EBITDA Margin | 15.33% | 26.71% | 35.27% | 37.44% | 36.56% |
| Operating Profit Margin | 15.33% | 24.07% | 31.25% | 33.03% | 32.03% |
| Pretax Profit Margin | 15.33% | 21.06% | 31.25% | 33.03% | 32.03% |
| Net Profit Margin | 12.40% | 17.30% | 25.25% | 26.29% | 24.93% |
| Continuous Operations Profit Margin | 12.40% | 17.30% | 25.25% | 26.29% | 24.93% |
| Net Income Per EBT | 80.88% | 82.12% | 80.80% | 79.60% | 77.83% |
| EBT Per EBIT | 100.00% | 87.49% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.65% | 0.61% | 0.89% | 0.89% | 0.72% |
| Return on Equity (ROE) | 6.02% | 6.31% | 10.29% | 12.86% | 8.22% |
| Return on Capital Employed (ROCE) | 0.81% | 3.11% | 3.55% | 12.47% | 8.20% |
| Return on Invested Capital (ROIC) | 0.65% | 2.45% | 2.87% | 9.93% | 6.35% |
| Return on Tangible Assets | 0.65% | 0.61% | 0.89% | 0.89% | 0.72% |
| Earnings Yield | 4.78% | 4.65% | 9.05% | 10.60% | 8.18% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.60 | 8.35 | 7.34 | 7.78 | 9.94 |
| Payables Turnover | 0.00 | 0.00 | -22.56 | 30.04 | 39.41 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | -0.03 | -0.01 |
| Fixed Asset Turnover | 2.06 | 1.43 | 0.00 | 1.83 | 1.55 |
| Asset Turnover | 0.05 | 0.04 | 0.04 | 0.03 | 0.03 |
| Working Capital Turnover Ratio | -0.18 | -0.05 | -0.05 | -0.05 | -0.12 |
| Cash Conversion Cycle | 25.00 | 43.73 | 65.88 | -11628.79 | -63877.11 |
| Days of Sales Outstanding | 25.00 | 43.73 | 49.70 | 46.90 | 36.73 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | -11663.53 | -63904.58 |
| Days of Payables Outstanding | 0.00 | 0.00 | -16.18 | 12.15 | 9.26 |
| Operating Cycle | 25.00 | 43.73 | 49.70 | -11616.63 | -63867.85 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.44 | 1.11 | 1.41 | 1.51 | 1.30 |
| Free Cash Flow Per Share | 1.04 | 0.59 | 1.38 | 1.36 | 1.27 |
| Dividend Paid and CapEx Coverage Ratio | 2.42 | 2.13 | 4.25 | 3.42 | 56.36 |
| Capital Expenditure Coverage Ratio | 3.62 | 2.13 | 44.99 | 9.98 | 56.36 |
| Operating Cash Flow Coverage Ratio | 0.44 | 0.10 | 0.16 | 0.58 | 0.43 |
| Operating Cash Flow to Sales Ratio | 0.22 | 0.25 | 0.32 | 0.35 | 0.34 |
| Free Cash Flow Yield | 6.08% | 3.50% | 11.12% | 12.56% | 11.08% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 20.91 | 21.52 | 11.05 | 9.43 | 12.22 |
| Price-to-Sales (P/S) Ratio | 2.59 | 3.72 | 2.79 | 2.48 | 3.05 |
| Price-to-Book (P/B) Ratio | 1.26 | 1.36 | 1.14 | 1.21 | 1.00 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 16.46 | 28.53 | 8.99 | 7.96 | 9.02 |
| Price-to-Operating Cash Flow Ratio | 11.92 | 15.14 | 8.79 | 7.17 | 8.86 |
| Price-to-Earnings Growth (PEG) Ratio | 4.08 | -0.71 | -6.30 | 0.44 | 0.34 |
| Enterprise Value Multiple | 11.87 | 20.80 | 11.79 | 2.67 | -13.26 |
| Enterprise Value | 23.23M | 47.39M | 34.88M | 8.23M | -34.51M |
| EV to EBITDA | 11.87 | 20.80 | 11.79 | 2.67 | -13.26 |
| EV to Sales | 1.82 | 5.56 | 4.16 | 1.00 | -4.85 |
| EV to Free Cash Flow | 11.54 | 42.58 | 13.39 | 3.21 | -14.35 |
| EV to Operating Cash Flow | 8.36 | 22.59 | 13.09 | 2.89 | -14.10 |
| Tangible Book Value Per Share | 13.59 | 12.33 | 10.42 | 8.86 | 11.42 |
| Shareholders’ Equity Per Share | 13.61 | 12.36 | 10.89 | 8.91 | 11.44 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.18 | 0.19 | 0.20 | 0.22 |
| Revenue Per Share | 6.61 | 4.51 | 4.44 | 4.36 | 3.78 |
| Net Income Per Share | 0.82 | 0.78 | 1.12 | 1.14 | 0.94 |
| Tax Burden | 0.81 | 0.82 | 0.81 | 0.80 | 0.78 |
| Interest Burden | 1.00 | -3.73 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.41 | 0.07 | 0.05 | 0.05 | 0.06 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.76 | 1.42 | 1.26 | 1.32 | 1.38 |
Currency in USD