First Southern Bank (FSBH) Ratios

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First Southern Bank Ratios

See a summary of FSBH’s cash flow.

Ratios	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	―	0.08	0.09	0.19	0.30
Quick Ratio	―	0.08	0.09	0.19	0.30
Cash Ratio	―	0.08	0.08	0.19	0.30
Solvency Ratio	―	<0.01	<0.01	<0.01	0.01
Operating Cash Flow Ratio	―	0.01	0.01	<0.01	<0.01
Short-Term Operating Cash Flow Coverage	―	0.00	0.00	0.00	0.00
Net Current Asset Value	$ ―	$ -263.84M	$ -257.55M	$ -231.40M	$ -187.77M
Leverage Ratios
Debt-to-Assets Ratio	―	0.00	0.00	0.00	0.00
Debt-to-Equity Ratio	―	0.00	0.00	0.00	0.00
Debt-to-Capital Ratio	―	0.00	0.00	0.00	0.00
Long-Term Debt-to-Capital Ratio	―	0.00	0.00	0.00	0.00
Financial Leverage Ratio	―	11.50	12.52	14.00	14.64
Debt Service Coverage Ratio	―	-0.17	0.92	18.16	2.80
Interest Coverage Ratio	―	0.78	0.96	3.06	1.62
Debt to Market Cap	―	0.00	0.00	0.00	0.00
Interest Debt Per Share	―	1.39	0.92	0.26	0.27
Net Debt to EBITDA	―	0.00	-7.39	-20.73	0.00
Profitability Margins
Gross Profit Margin	―	100.00%	82.50%	100.00%	93.32%
EBIT Margin	―	-3.76%	16.76%	18.61%	-3.99%
EBITDA Margin	―	0.00%	20.17%	23.08%	0.00%
Operating Profit Margin	―	23.60%	16.76%	17.75%	10.79%
Pretax Profit Margin	―	22.15%	16.76%	-68.19%	10.79%
Net Profit Margin	―	16.89%	12.74%	14.06%	29.46%
Continuous Operations Profit Margin	―	16.89%	12.74%	14.06%	29.46%
Net Income Per EBT	―	76.25%	76.00%	-20.62%	272.95%
EBT Per EBIT	―	93.82%	100.00%	-384.24%	100.00%
Return on Assets (ROA)	―	0.74%	0.65%	0.51%	1.01%
Return on Equity (ROE)	―	8.48%	8.20%	7.11%	14.77%
Return on Capital Employed (ROCE)	―	11.34%	10.26%	8.57%	5.35%
Return on Invested Capital (ROIC)	―	8.65%	7.80%	-1.77%	-0.82%
Return on Tangible Assets	―	0.74%	0.65%	0.51%	1.01%
Earnings Yield	―	10.66%	8.80%	6.97%	12.36%
Efficiency Ratios
Receivables Turnover	―	10.09	13.50	10.44	14.44
Payables Turnover	―	0.00	8.88	0.00	12.71
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	1.70	1.95	1.35	1.23
Asset Turnover	―	0.04	0.05	0.04	0.03
Working Capital Turnover Ratio	―	-0.05	-0.06	-0.05	-0.06
Cash Conversion Cycle	―	36.18	-14.09	34.95	-3.46
Days of Sales Outstanding	―	36.18	27.04	34.95	25.27
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	41.13	0.00	28.73
Operating Cycle	―	36.18	27.04	34.95	25.27
Cash Flow Ratios
Operating Cash Flow Per Share	―	1.00	1.01	0.76	0.54
Free Cash Flow Per Share	―	0.80	0.88	0.47	-0.44
CapEx Per Share	―	0.19	0.14	0.29	0.97
Free Cash Flow to Operating Cash Flow	―	0.81	0.87	0.62	-0.82
Dividend Paid and CapEx Coverage Ratio	―	5.13	7.42	2.62	0.55
Capital Expenditure Coverage Ratio	―	5.13	7.42	2.62	0.55
Operating Cash Flow Coverage Ratio	―	0.00	0.00	0.00	0.00
Operating Cash Flow to Sales Ratio	―	0.22	0.19	0.17	0.13
Free Cash Flow Yield	―	11.06%	11.52%	5.22%	-4.58%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	9.42	11.36	14.35	8.09
Price-to-Sales (P/S) Ratio	―	1.58	1.45	2.02	2.38
Price-to-Book (P/B) Ratio	―	0.80	0.93	1.02	1.20
Price-to-Free Cash Flow (P/FCF) Ratio	―	9.04	8.68	19.17	-21.83
Price-to-Operating Cash Flow Ratio	―	7.28	7.51	11.85	17.84
Price-to-Earnings Growth (PEG) Ratio	―	0.63	0.65	-0.28	<0.01
Price-to-Fair Value	―	0.80	0.93	1.02	1.20
Enterprise Value Multiple	―	0.00	-0.22	-11.99	0.00
Enterprise Value	―	-1.33M	-693.62K	-30.75M	-57.83M
EV to EBITDA	―	0.00	-0.22	-11.99	0.00
EV to Sales	―	-0.10	-0.04	-2.77	-5.83
EV to Free Cash Flow	―	-0.55	-0.26	-26.29	53.36
EV to Operating Cash Flow	―	-0.45	-0.23	-16.24	-43.60
Tangible Book Value Per Share	―	9.11	8.17	8.87	7.99
Shareholders’ Equity Per Share	―	9.11	8.17	8.87	7.99
Tax and Other Ratios
Effective Tax Rate	―	0.24	0.24	1.21	-1.73
Revenue Per Share	―	4.58	5.26	4.49	4.01
Net Income Per Share	―	0.77	0.67	0.63	1.18
Tax Burden	―	0.76	0.76	-0.21	2.73
Interest Burden	―	-5.89	1.00	-3.66	-2.71
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.03	0.02	0.02	0.02
Stock-Based Compensation to Revenue	―	<0.01	<0.01	0.00	0.00
Income Quality	―	1.29	1.51	1.21	0.45

Currency in USD