First Federal Savings Bank of SC (FSGB) Ratios

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First Federal Savings Bank of SC Ratios

See a summary of FSGB’s cash flow.

Ratios	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	―	0.06	0.05	0.07	1.66K
Quick Ratio	―	0.06	0.05	0.07	1.66K
Cash Ratio	―	0.06	0.04	0.07	1.61K
Solvency Ratio	―	<0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	―	0.01	>-0.01	0.01	13.24
Short-Term Operating Cash Flow Coverage	―	0.00	0.00	0.00	0.00
Net Current Asset Value	$ ―	$ -120.69M	$ -126.75M	$ -138.42M	$ -118.91M
Leverage Ratios
Debt-to-Assets Ratio	―	0.02	0.06	0.14	0.02
Debt-to-Equity Ratio	―	0.16	0.71	2.07	0.32
Debt-to-Capital Ratio	―	0.14	0.42	0.67	0.24
Long-Term Debt-to-Capital Ratio	―	0.14	0.42	0.67	0.24
Financial Leverage Ratio	―	10.73	11.67	14.86	15.03
Debt Service Coverage Ratio	―	0.63	0.39	0.71	-0.41
Interest Coverage Ratio	―	0.71	0.46	0.80	1.83
Debt to Market Cap	―	0.00	0.00	1.77	0.16
Interest Debt Per Share	―	0.00	0.00	22.74	3.32
Net Debt to EBITDA	―	-4.64	3.09	14.82	0.00
Profitability Margins
Gross Profit Margin	―	81.09%	64.74%	84.94%	100.00%
EBIT Margin	―	13.49%	16.34%	12.05%	-2.27%
EBITDA Margin	―	15.34%	18.03%	13.54%	0.00%
Operating Profit Margin	―	13.49%	16.34%	12.05%	9.71%
Pretax Profit Margin	―	13.49%	16.34%	12.05%	9.96%
Net Profit Margin	―	10.15%	12.18%	9.19%	7.81%
Continuous Operations Profit Margin	―	10.15%	12.18%	9.19%	7.81%
Net Income Per EBT	―	75.26%	74.51%	76.26%	78.38%
EBT Per EBIT	―	100.00%	100.00%	100.00%	102.64%
Return on Assets (ROA)	―	0.58%	0.54%	0.40%	0.26%
Return on Equity (ROE)	―	6.22%	6.36%	5.90%	3.97%
Return on Capital Employed (ROCE)	―	6.72%	4.89%	2.47%	0.33%
Return on Invested Capital (ROIC)	―	5.06%	3.64%	1.88%	0.76%
Return on Tangible Assets	―	0.58%	0.54%	0.40%	0.26%
Earnings Yield	―	0.00%	0.00%	5.03%	2.00%
Efficiency Ratios
Receivables Turnover	―	0.00	11.84	12.53	11.56
Payables Turnover	―	171.07	63.99	6.60	0.00
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	2.10	1.68	3.89	2.69
Asset Turnover	―	0.06	0.04	0.04	0.03
Working Capital Turnover Ratio	―	-0.07	-0.06	-0.14	-0.13
Cash Conversion Cycle	―	-2.13	25.11	-26.16	31.59
Days of Sales Outstanding	―	0.00	30.82	29.12	31.59
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	2.13	5.70	55.28	0.00
Operating Cycle	―	0.00	30.82	29.12	31.59
Cash Flow Ratios
Operating Cash Flow Per Share	―	0.00	0.00	1.41	0.12
Free Cash Flow Per Share	―	0.00	0.00	1.37	0.10
CapEx Per Share	―	0.00	0.00	0.04	0.02
Free Cash Flow to Operating Cash Flow	―	0.85	1.00	0.97	0.81
Dividend Paid and CapEx Coverage Ratio	―	6.70	0.00	37.69	5.31
Capital Expenditure Coverage Ratio	―	6.70	0.00	37.69	5.31
Operating Cash Flow Coverage Ratio	―	0.59	-0.01	0.06	0.04
Operating Cash Flow to Sales Ratio	―	0.16	-0.02	0.21	0.03
Free Cash Flow Yield	―	0.00%	0.00%	11.15%	0.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	0.00	0.00	19.88	49.89
Price-to-Sales (P/S) Ratio	―	0.00	0.00	1.83	3.90
Price-to-Book (P/B) Ratio	―	0.00	0.00	1.17	1.98
Price-to-Free Cash Flow (P/FCF) Ratio	―	0.00	0.00	8.97	189.82
Price-to-Operating Cash Flow Ratio	―	0.00	0.00	8.73	154.05
Price-to-Earnings Growth (PEG) Ratio	―	0.00	0.00	0.31	-0.73
Price-to-Fair Value	―	0.00	0.00	1.17	1.98
Enterprise Value Multiple	―	-4.64	3.09	28.31	0.00
Enterprise Value	―	-5.75M	3.61M	26.13M	7.06M
EV to EBITDA	―	-4.64	3.09	28.31	0.00
EV to Sales	―	-0.71	0.56	3.83	1.45
EV to Free Cash Flow	―	-5.37	-36.12	18.82	70.59
EV to Operating Cash Flow	―	-4.57	-36.12	18.32	57.28
Tangible Book Value Per Share	―	0.00	0.00	10.49	9.46
Shareholders’ Equity Per Share	―	0.00	0.00	10.49	9.46
Tax and Other Ratios
Effective Tax Rate	―	0.25	0.25	0.24	0.22
Revenue Per Share	―	0.00	0.00	6.73	4.81
Net Income Per Share	―	0.00	0.00	0.62	0.38
Tax Burden	―	0.75	0.75	0.76	0.78
Interest Burden	―	1.00	1.00	1.00	-4.38
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	<0.01	0.03	0.04	0.00
Stock-Based Compensation to Revenue	―	0.00	0.00	0.00	0.00
Income Quality	―	1.53	-0.13	2.28	0.32

Currency in USD