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Sturgis Bancorp Inc (STBI)
OTHER OTC:STBI
US Market
STBI
Sturgis Bancorp
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Sturgis Bancorp (STBI) Ratios

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Sturgis Bancorp Ratios

STBI's free cash flow for Q2 2026 was $0.78. For the 2026 fiscal year, STBI's free cash flow was decreased by $ and operating cash flow was $0.21. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 7.61 0.12 0.12 0.11
Quick Ratio
 0.00 7.61 0.12 0.12 0.11
Cash Ratio
 0.00 5.75 0.03 0.05 0.02
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00 8.78 <0.01 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -948.06M$ -921.34M$ -803.11M$ -767.94M$ -731.42M
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.03 0.08 0.06 0.10
Debt-to-Equity Ratio
 0.85 0.49 1.37 0.98 1.63
Debt-to-Capital Ratio
 0.46 0.33 0.58 0.50 0.62
Long-Term Debt-to-Capital Ratio
 0.46 0.33 0.58 0.50 0.62
Financial Leverage Ratio
 15.41 15.79 17.26 16.49 16.46
Debt Service Coverage Ratio
 0.53 0.44 0.15 0.65 1.83
Interest Coverage Ratio
 0.65 0.54 0.17 0.58 1.78
Debt to Market Cap
 0.81 0.66 1.95 1.42 1.98
Interest Debt Per Share
 33.74 22.10 44.04 31.33 42.26
Net Debt to EBITDA
 4.15 2.18 17.48 1.64 7.39
Profitability Margins
Gross Profit Margin
73.88%71.76%58.46%72.39%87.32%
EBIT Margin
18.07%15.55%5.63%14.60%22.59%
EBITDA Margin
18.07%15.55%5.63%18.50%27.07%
Operating Profit Margin
18.07%15.55%5.63%14.60%22.59%
Pretax Profit Margin
18.07%15.55%5.63%14.60%22.59%
Net Profit Margin
14.55%12.61%5.05%12.28%18.71%
Continuous Operations Profit Margin
14.55%12.61%5.05%12.28%18.71%
Net Income Per EBT
80.55%81.11%89.77%84.09%82.81%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.85%0.75%0.30%0.65%0.77%
Return on Equity (ROE)
13.75%11.79%5.12%10.79%12.60%
Return on Capital Employed (ROCE)
1.06%0.92%2.26%6.02%5.53%
Return on Invested Capital (ROIC)
0.85%0.75%2.03%5.06%4.58%
Return on Tangible Assets
0.86%0.75%0.30%0.66%0.77%
Earnings Yield
14.09%16.09%7.28%15.53%15.27%
Efficiency Ratios
Receivables Turnover
 16.78 17.25 16.48 15.82 13.15
Payables Turnover
 7.30 9.03 8.96 8.18 5.90
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.32 3.17 3.00 2.56 2.03
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 3.96 -0.17 -0.08 -0.07 -0.06
Cash Conversion Cycle
 -28.27 -19.28 -18.57 -21.53 -34.06
Days of Sales Outstanding
 21.75 21.16 22.15 23.07 27.76
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 50.02 40.44 40.72 44.60 61.82
Operating Cycle
 21.75 21.16 22.15 23.07 27.76
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 7.52 3.54 5.16 5.64
Free Cash Flow Per Share
 0.00 6.42 3.05 3.65 3.17
CapEx Per Share
 0.00 1.09 0.50 1.51 2.46
Free Cash Flow to Operating Cash Flow
 0.00 0.85 0.86 0.71 0.56
Dividend Paid and CapEx Coverage Ratio
 0.00 4.24 3.01 2.35 1.79
Capital Expenditure Coverage Ratio
 0.00 6.89 7.12 3.41 2.29
Operating Cash Flow Coverage Ratio
 0.00 0.53 0.10 0.20 0.14
Operating Cash Flow to Sales Ratio
 0.00 0.27 0.14 0.23 0.34
Free Cash Flow Yield
0.00%29.95%16.82%20.17%15.64%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.08 6.22 13.71 6.44 6.55
Price-to-Sales (P/S) Ratio
 1.16 0.78 0.69 0.79 1.23
Price-to-Book (P/B) Ratio
 0.94 0.73 0.70 0.69 0.82
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 3.34 5.94 4.96 6.39
Price-to-Operating Cash Flow Ratio
 0.00 2.85 5.11 3.51 3.60
Price-to-Earnings Growth (PEG) Ratio
 0.22 0.04 -0.26 -0.69 1.63
Price-to-Fair Value
 0.94 0.73 0.70 0.69 0.82
Enterprise Value Multiple
 10.58 7.22 29.81 5.91 11.91
Enterprise Value
 115.59M 66.39M 94.15M 53.57M 114.12M
EV to EBITDA
 10.58 7.22 29.81 5.91 11.91
EV to Sales
 1.91 1.12 1.68 1.09 3.23
EV to Free Cash Flow
 0.00 4.78 14.37 6.86 16.83
EV to Operating Cash Flow
 0.00 4.09 12.35 4.85 9.48
Tangible Book Value Per Share
 26.41 25.16 21.59 21.92 20.49
Shareholders’ Equity Per Share
 30.74 29.27 25.76 26.04 24.61
Tax and Other Ratios
Effective Tax Rate
 0.19 0.19 0.10 0.16 0.17
Revenue Per Share
 27.83 27.36 26.08 22.89 16.57
Net Income Per Share
 4.05 3.45 1.32 2.81 3.10
Tax Burden
 0.81 0.81 0.90 0.84 0.83
Interest Burden
 1.00 1.00 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 0.41 0.34 0.37 0.42
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.00 2.18 2.69 1.84 1.82
Currency in USD