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Fundamentals

USB

USB Bank Plc (CR)

Price and Valuation

200920082007200620001999199819971996
P/E
93.86
62.53
4.58
11.23
11.03
8.85
8.92
10.89
20.41
Price to Sales
2.28
2.41
1.65
2.27
0.56
0.66
N/A
N/A
N/A
Price to Operating Cash Flow Per Share
1.40
N/A
1.31
0.94
N/A
N/A
N/A
N/A
N/A
Price to Book value
1.17
1.16
1.22
1.68
0.18
N/A
0.32
0.35
0.41

Dividend Policy

200920082007200620001999199819971996
Dividend Yield (%)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Av. Dividend per share (cents)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Dividend Payout
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Dividend Cover
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

Growth

200920082007200620001999199819971996
Sustainable growth (%)
1.25
1.85
26.62
14.93
1.63
N/A
3.61
3.21
2.02
EPS Growth (1 Yr)
N/A
-92.69
144.89
N/A
-19.82
0.79
22.21
87.34
N/A
Dividend Growth (1Yr)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cashflow Growth (1yr)
N/A
-268.77
-28.18
N/A
N/A
N/A
N/A
N/A
N/A

Profitability

200920082007200620001999199819971996
Gross Profit Margin (%)
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Profit Margin (%)
N/A
N/A
N/A
N/A
9.83
N/A
N/A
N/A
N/A
Earnings Yield (%)
1.07
1.60
21.82
8.91
9.06
11.30
11.21
9.18
4.90

Management Effectiveness

200920082007200620001999199819971996
ROE (%)
1.25
1.85
26.62
14.93
1.63
N/A
3.61
3.21
2.02
ROCE (%)
N/A
N/A
N/A
N/A
N/A
N/A
25.96
17.78
8.89
Asset Turnover
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A

Efficiency

200920082007200620001999199819971996
Turnover per employee (€)
€ 78,977.88
€ 74,635.80
€ 114,045.82
€ 83,747.89
€ 116,501.42
€ 138,126.54
N/A
N/A
N/A
Staff cost per employee (€)
€ 47,618.86
€ 42,358.35
€ 40,364.34
€ 37,976.14
€ 20,638.27
€ 27,874.51
N/A
N/A
N/A
Number οf employees
199
199
190
189
134
76
N/A
N/A
N/A

Financial Strength

200920082007200620001999199819971996
Current Ratio
N/A
N/A
N/A
N/A
N/A
N/A
1.16
1.23
1.49
Quick Ratio
N/A
N/A
N/A
N/A
N/A
N/A
1.16
1.23
1.49
Interest Coverage
N/A
N/A
N/A
N/A
65.29
N/A
1.21
1.30
1.22
Stock Days
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debtor Days
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Creditor Days
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Working Capital Days
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gearing Ratio - Basis 1 (%)
N/A
N/A
N/A
N/A
N/A
N/A
5.93
11.83
31.04
Gearing Ratio - Basis 2 (%)
N/A
N/A
N/A
N/A
N/A
N/A
5.59
10.58
23.69
Long term Debt (€)
N/A
N/A
N/A
N/A
N/A
N/A
€ 780,435
€ 1,040,580
€ 1,300,725
Total Debt (€)
N/A
N/A
N/A
N/A
N/A
N/A
€ 780,435
€ 1,040,580
€ 1,300,725

Per share

200920082007200620001999199819971996
EPS - Av. (cents)
0.84
1.26
17.24
7.04
7.16
8.93
8.86
7.25
3.87
EPS -Tot. (cents)
N/A
N/A
17.24
N/A
1.75
1.72
1.05
0.62
0.19
Net Oper. Cash Flow per share (cents)
56.39
-101.87
60.36
84.05
-292.53
N/A
N/A
N/A
N/A
Book Value per Share (cents)
67.36
68.13
64.76
47.14
438.69
N/A
245.59
225.76
191.39
Equity Per Share (cents)
67.36
68.13
64.76
47.14
438.69
N/A
245.59
225.76
191.39
Average number of shares
45,384,453
45,384,453
45,384,453
45,384,453
11,062,382
8,750,000
5,363,014
3,895,112
2,189,489
Total number of shares
N/A
N/A
45,384,453
N/A
45,384,453
45,384,453
45,384,453
45,384,453
45,384,453