Isabella Bank Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jan '26 Jan 30, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	297	187	146	166	169	128
Market Cap Growth	68.44%	28.03%	-12.30%	-1.53%	31.90%	-26.57%
PE Ratio	19.16	13.91	8.87	7.99	9.84	14.38
PS Ratio	4.56	2.82	2.26	2.41	2.86	2.52
PB Ratio	1.53	0.92	0.80	0.95	0.91	0.72
P/FCF Ratio	18.09	11.02	8.01	7.50	8.03	7.64
P/OCF Ratio	15.57	9.84	6.66	6.61	7.53	7.12
Debt / Equity Ratio	0.40	0.54	0.57	0.47	0.47	0.73
Debt / FCF Ratio	4.74	6.45	5.77	3.68	4.15	7.75
Return on Equity (ROE)	8.27%	6.73%	9.35%	11.20%	9.08%	5.08%
Return on Assets (ROA)	0.83%	0.67%	0.89%	1.09%	0.98%	0.58%
Earnings Yield	5.22%	7.19%	11.28%	12.52%	10.16%	6.96%
FCF Yield	5.53%	9.07%	12.49%	13.33%	12.46%	13.08%
Payout Ratio	44.52%	58.66%	45.23%	36.34%	42.91%	78.31%
Buyback Yield / Dilution	1.18%	1.23%	0.94%	4.00%	1.73%	-0.14%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.