Pontiac Bancorp (PONT) Ratios

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Pontiac Bancorp Ratios

See a summary of PONT’s cash flow.

Ratios	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	―	0.09	0.12	0.05	0.06
Quick Ratio	―	0.09	0.12	0.05	0.06
Cash Ratio	―	0.09	0.11	0.04	0.05
Solvency Ratio	―	0.02	0.01	0.01	0.01
Operating Cash Flow Ratio	―	0.02	0.02	0.02	0.01
Short-Term Operating Cash Flow Coverage	―	0.00	0.00	0.00	0.00
Net Current Asset Value	$ ―	$ -942.70M	$ -914.76M	$ -869.32M	$ -838.91M
Leverage Ratios
Debt-to-Assets Ratio	―	0.02	0.02	0.07	0.04
Debt-to-Equity Ratio	―	0.14	0.16	0.62	0.41
Debt-to-Capital Ratio	―	0.13	0.14	0.38	0.29
Long-Term Debt-to-Capital Ratio	―	0.13	0.14	0.38	0.29
Financial Leverage Ratio	―	8.59	9.68	9.28	10.02
Debt Service Coverage Ratio	―	0.91	0.73	1.29	4.01
Interest Coverage Ratio	―	1.10	0.86	1.58	4.52
Debt to Market Cap	―	0.00	0.18	0.71	0.43
Interest Debt Per Share	―	0.00	182.21	376.39	208.20
Net Debt to EBITDA	―	-3.28	-5.18	2.25	-0.35
Profitability Margins
Gross Profit Margin	―	69.73%	68.33%	78.06%	92.39%
EBIT Margin	―	33.29%	27.24%	34.72%	34.39%
EBITDA Margin	―	36.14%	30.11%	37.35%	38.85%
Operating Profit Margin	―	33.29%	27.24%	34.72%	34.39%
Pretax Profit Margin	―	33.29%	27.24%	34.72%	34.39%
Net Profit Margin	―	24.67%	20.29%	25.65%	26.09%
Continuous Operations Profit Margin	―	24.67%	20.29%	25.65%	26.09%
Net Income Per EBT	―	74.10%	74.51%	73.86%	75.86%
EBT Per EBIT	―	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	―	1.31%	1.02%	1.15%	0.89%
Return on Equity (ROE)	―	11.22%	9.86%	10.71%	8.96%
Return on Capital Employed (ROCE)	―	11.85%	10.07%	7.59%	7.16%
Return on Invested Capital (ROIC)	―	8.78%	7.50%	5.60%	5.43%
Return on Tangible Assets	―	1.34%	1.04%	1.17%	0.91%
Earnings Yield	―	0.00%	10.66%	12.30%	9.60%
Efficiency Ratios
Receivables Turnover	―	0.00	7.23	6.13	5.38
Payables Turnover	―	0.00	0.00	0.00	0.00
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	5.97	5.24	4.53	3.61
Asset Turnover	―	0.05	0.05	0.05	0.03
Working Capital Turnover Ratio	―	-0.07	-0.07	-0.06	-0.05
Cash Conversion Cycle	―	0.00	50.49	59.51	67.88
Days of Sales Outstanding	―	0.00	50.49	59.51	67.88
Days of Inventory Outstanding	―	0.00	0.00	0.00	0.00
Days of Payables Outstanding	―	0.00	0.00	0.00	0.00
Operating Cycle	―	0.00	50.49	59.51	67.88
Cash Flow Ratios
Operating Cash Flow Per Share	―	0.00	80.03	75.68	57.15
Free Cash Flow Per Share	―	0.00	74.00	68.62	56.04
CapEx Per Share	―	0.00	6.03	7.06	1.12
Free Cash Flow to Operating Cash Flow	―	0.98	0.92	0.91	0.98
Dividend Paid and CapEx Coverage Ratio	―	5.62	4.23	3.84	5.13
Capital Expenditure Coverage Ratio	―	40.82	13.27	10.72	51.10
Operating Cash Flow Coverage Ratio	―	0.94	0.85	0.23	0.29
Operating Cash Flow to Sales Ratio	―	0.29	0.29	0.34	0.35
Free Cash Flow Yield	―	0.00%	13.96%	14.92%	12.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	0.00	9.38	8.13	10.42
Price-to-Sales (P/S) Ratio	―	0.00	1.90	2.09	2.72
Price-to-Book (P/B) Ratio	―	0.00	0.92	0.87	0.93
Price-to-Free Cash Flow (P/FCF) Ratio	―	0.00	7.16	6.70	8.03
Price-to-Operating Cash Flow Ratio	―	0.00	6.62	6.08	7.87
Price-to-Earnings Growth (PEG) Ratio	―	0.00	-23.43	0.26	31.10
Price-to-Fair Value	―	0.00	0.92	0.87	0.93
Enterprise Value Multiple	―	-3.28	1.14	7.84	6.65
Enterprise Value	―	-73.43M	19.78M	133.88M	87.46M
EV to EBITDA	―	-3.28	1.14	7.84	6.65
EV to Sales	―	-1.18	0.34	2.93	2.58
EV to Free Cash Flow	―	-4.12	1.29	9.41	7.63
EV to Operating Cash Flow	―	-4.02	1.19	8.53	7.48
Tangible Book Value Per Share	―	0.00	440.89	449.91	401.58
Shareholders’ Equity Per Share	―	0.00	573.00	528.07	482.27
Tax and Other Ratios
Effective Tax Rate	―	0.26	0.25	0.26	0.24
Revenue Per Share	―	0.00	278.53	220.58	165.59
Net Income Per Share	―	0.00	56.52	56.57	43.19
Tax Burden	―	0.74	0.75	0.74	0.76
Interest Burden	―	1.00	1.00	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	―	0.02	0.02	0.02	0.03
Income Quality	―	1.19	1.42	1.34	1.32

Currency in USD