Summit Bancshares (SMAL) Ratios

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Summit Bancshares Ratios

See a summary of SMAL’s cash flow.

Ratios	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	―	82.86	0.25	0.31	0.25
Quick Ratio	―	82.86	0.25	0.31	0.25
Cash Ratio	―	15.00	0.25	0.31	0.25
Solvency Ratio	―	0.01	0.02	0.02	0.01
Operating Cash Flow Ratio	―	11.77	0.02	0.02	0.01
Short-Term Operating Cash Flow Coverage	―	11.77	0.00	0.00	0.00
Net Current Asset Value	$ ―	$ -199.99M	$ -185.94M	$ -192.49M	$ -242.52M
Leverage Ratios
Debt-to-Assets Ratio	―	<0.01	<0.01	<0.01	0.00
Debt-to-Equity Ratio	―	0.02	0.02	0.03	0.00
Debt-to-Capital Ratio	―	0.01	0.02	0.03	0.00
Long-Term Debt-to-Capital Ratio	―	0.00	0.02	0.03	0.00
Financial Leverage Ratio	―	5.70	6.18	7.04	8.78
Debt Service Coverage Ratio	―	1.28	2.26	3.78	5.95
Interest Coverage Ratio	―	2.01	3.30	5.21	8.08
Debt to Market Cap	―	<0.01	0.02	0.03	0.00
Interest Debt Per Share	―	2.46	2.44	2.17	0.46
Net Debt to EBITDA	―	-1.07	-8.84	-9.99	-15.58
Profitability Margins
Gross Profit Margin	―	85.20%	100.00%	92.19%	95.77%
EBIT Margin	―	26.04%	40.41%	40.68%	34.18%
EBITDA Margin	―	27.09%	41.36%	41.49%	35.26%
Operating Profit Margin	―	26.04%	43.36%	40.68%	34.18%
Pretax Profit Margin	―	26.04%	39.66%	40.68%	34.18%
Net Profit Margin	―	18.46%	28.02%	28.70%	24.07%
Continuous Operations Profit Margin	―	18.46%	28.02%	28.70%	24.07%
Net Income Per EBT	―	70.90%	70.65%	70.57%	70.41%
EBT Per EBIT	―	100.00%	91.45%	100.00%	100.00%
Return on Assets (ROA)	―	1.08%	1.54%	1.72%	0.94%
Return on Equity (ROE)	―	6.18%	9.54%	12.14%	8.26%
Return on Capital Employed (ROCE)	―	1.53%	12.50%	14.39%	9.82%
Return on Invested Capital (ROIC)	―	1.08%	8.83%	10.16%	6.91%
Return on Tangible Assets	―	1.08%	1.54%	1.72%	0.94%
Earnings Yield	―	4.58%	7.86%	11.49%	7.16%
Efficiency Ratios
Receivables Turnover	―	20.60	0.00	0.00	0.00
Payables Turnover	―	0.00	0.00	0.00	0.00
Inventory Turnover	―	0.00	0.00	0.00	0.00
Fixed Asset Turnover	―	2.70	2.54	2.85	2.15
Asset Turnover	―	0.06	0.06	0.06	0.04
Working Capital Turnover Ratio	―	-0.22	-0.09	-0.09	-0.06
Cash Conversion Cycle	―	17.72	0.00	0.00	0.00
Days of Sales Outstanding	―	17.72	0.00	0.00	0.00
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	―	17.72	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	―	3.69	3.81	4.73	3.21
Free Cash Flow Per Share	―	3.53	3.73	4.68	3.18
CapEx Per Share	―	0.16	0.08	0.05	0.04
Free Cash Flow to Operating Cash Flow	―	0.96	0.98	0.99	0.99
Dividend Paid and CapEx Coverage Ratio	―	2.35	2.14	4.16	8.10
Capital Expenditure Coverage Ratio	―	23.17	47.11	104.61	88.84
Operating Cash Flow Coverage Ratio	―	5.84	4.75	4.61	0.00
Operating Cash Flow to Sales Ratio	―	0.26	0.31	0.32	0.30
Free Cash Flow Yield	―	6.23%	8.42%	12.74%	8.70%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	21.81	11.37	8.71	13.96
Price-to-Sales (P/S) Ratio	―	4.03	3.56	2.50	3.36
Price-to-Book (P/B) Ratio	―	1.35	1.21	1.06	1.15
Price-to-Free Cash Flow (P/FCF) Ratio	―	16.04	11.88	7.85	11.49
Price-to-Operating Cash Flow Ratio	―	15.35	11.63	7.77	11.36
Price-to-Earnings Growth (PEG) Ratio	―	-0.65	-0.65	0.14	0.29
Enterprise Value Multiple	―	13.80	-0.22	-3.97	-6.05
Enterprise Value	―	61.27M	-1.50M	-31.50M	-30.15M
EV to EBITDA	―	13.80	-0.22	-3.97	-6.05
EV to Sales	―	3.74	-0.09	-1.65	-2.13
EV to Free Cash Flow	―	14.89	-0.31	-5.17	-7.30
EV to Operating Cash Flow	―	14.25	-0.30	-5.12	-7.22
Tangible Book Value Per Share	―	42.04	36.55	34.77	31.64
Shareholders’ Equity Per Share	―	42.04	36.55	34.77	31.64
Tax and Other Ratios
Effective Tax Rate	―	0.29	0.29	0.29	0.30
Revenue Per Share	―	14.08	12.44	14.71	10.86
Net Income Per Share	―	2.60	3.49	4.22	2.61
Tax Burden	―	0.71	0.71	0.71	0.70
Interest Burden	―	1.00	0.98	1.00	1.00
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.44	<0.01	<0.01	<0.01
Stock-Based Compensation to Revenue	―	0.00	0.00	0.00	0.00
Income Quality	―	1.42	1.09	1.12	1.23

Currency in USD