West Shore Bank (WSSH) Ratios

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West Shore Bank Ratios

See a summary of WSSH’s cash flow.

Ratios	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	―	0.06	0.07	0.07	0.06
Quick Ratio	―	0.06	0.07	0.07	0.06
Cash Ratio	―	0.06	0.07	0.07	0.06
Solvency Ratio	―	0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	―	0.01	<0.01	0.01	0.02
Short-Term Operating Cash Flow Coverage	―	0.00	0.17	0.12	0.00
Net Current Asset Value	$ ―	$ -725.43M	$ -691.02M	$ -637.97M	$ -617.94M
Leverage Ratios
Debt-to-Assets Ratio	―	0.06	0.08	0.12	0.09
Debt-to-Equity Ratio	―	0.90	1.30	2.06	1.59
Debt-to-Capital Ratio	―	0.47	0.56	0.67	0.61
Long-Term Debt-to-Capital Ratio	―	0.47	0.44	0.37	0.61
Financial Leverage Ratio	―	14.37	15.93	17.28	18.65
Debt Service Coverage Ratio	―	0.57	-0.03	>-0.01	-0.27
Interest Coverage Ratio	―	0.51	0.40	0.49	2.66
Debt to Market Cap	―	1.18	2.02	3.03	1.47
Interest Debt Per Share	―	53.83	63.73	76.79	46.05
Net Debt to EBITDA	―	1.44	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	―	70.24%	100.00%	100.00%	100.00%
EBIT Margin	―	15.24%	-6.99%	-7.79%	-7.61%
EBITDA Margin	―	19.33%	0.00%	0.00%	0.00%
Operating Profit Margin	―	15.24%	21.98%	18.35%	17.11%
Pretax Profit Margin	―	15.24%	20.35%	17.72%	16.16%
Net Profit Margin	―	12.78%	16.65%	16.46%	14.42%
Continuous Operations Profit Margin	―	12.78%	16.65%	16.46%	14.42%
Net Income Per EBT	―	83.88%	81.83%	92.89%	89.23%
EBT Per EBIT	―	100.00%	92.58%	96.61%	94.43%
Return on Assets (ROA)	―	0.76%	0.63%	0.61%	0.56%
Return on Equity (ROE)	―	10.94%	10.06%	10.58%	10.45%
Return on Capital Employed (ROCE)	―	5.41%	1.86%	3.66%	3.57%
Return on Invested Capital (ROIC)	―	4.54%	1.42%	2.28%	-1.03%
Return on Tangible Assets	―	0.77%	0.64%	0.62%	0.56%
Earnings Yield	―	14.36%	15.67%	14.73%	9.67%
Efficiency Ratios
Receivables Turnover	―	0.00	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	―	2.11	1.21	1.06	1.03
Asset Turnover	―	0.06	0.04	0.04	0.04
Working Capital Turnover Ratio	―	-0.09	-0.06	-0.05	-0.06
Cash Conversion Cycle	―	0.00	0.00	0.00	0.00
Days of Sales Outstanding	―	0.00	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	―	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	―	6.86	3.40	6.63	6.59
Free Cash Flow Per Share	―	6.52	3.12	6.09	4.92
CapEx Per Share	―	0.34	0.29	0.54	1.67
Free Cash Flow to Operating Cash Flow	―	0.95	0.92	0.92	0.75
Dividend Paid and CapEx Coverage Ratio	―	5.45	2.82	4.67	2.62
Capital Expenditure Coverage Ratio	―	20.19	11.91	12.28	3.95
Operating Cash Flow Coverage Ratio	―	0.16	0.07	0.10	0.15
Operating Cash Flow to Sales Ratio	―	0.17	0.14	0.31	0.32
Free Cash Flow Yield	―	18.39%	12.41%	25.41%	16.19%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	6.96	6.38	6.79	10.34
Price-to-Sales (P/S) Ratio	―	0.89	1.06	1.12	1.49
Price-to-Book (P/B) Ratio	―	0.76	0.64	0.72	1.08
Price-to-Free Cash Flow (P/FCF) Ratio	―	5.44	8.06	3.94	6.18
Price-to-Operating Cash Flow Ratio	―	5.17	7.38	3.62	4.61
Price-to-Earnings Growth (PEG) Ratio	―	0.24	0.56	0.34	-0.63
Price-to-Fair Value	―	0.76	0.64	0.72	1.08
Enterprise Value Multiple	―	6.04	0.00	0.00	0.00
Enterprise Value	―	57.11M	64.31M	74.61M	67.31M
EV to EBITDA	―	6.04	0.00	0.00	0.00
EV to Sales	―	1.17	2.21	2.78	2.52
EV to Free Cash Flow	―	7.14	16.74	9.80	10.46
EV to Operating Cash Flow	―	6.78	15.34	9.00	7.81
Tangible Book Value Per Share	―	42.86	35.39	29.65	24.43
Shareholders’ Equity Per Share	―	46.52	39.12	33.37	28.09
Tax and Other Ratios
Effective Tax Rate	―	0.16	0.18	0.07	0.11
Revenue Per Share	―	39.83	23.63	21.44	20.37
Net Income Per Share	―	5.09	3.93	3.53	2.94
Tax Burden	―	0.84	0.82	0.93	0.89
Interest Burden	―	1.00	-2.91	-2.27	-2.12
Research & Development to Revenue	―	0.00	0.00	0.00	0.00
SG&A to Revenue	―	0.04	0.02	0.02	0.04
Stock-Based Compensation to Revenue	―	0.00	0.00	0.00	0.00
Income Quality	―	1.35	0.86	1.88	2.24

Currency in USD