SJF Bank Ratios and Metrics

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	732	710	466	400	400	321
Market Cap Growth	47.19%	52.35%	16.51%	0.01%	24.78%	70.98%
Last Close Price	44.94	43.48	26.90	21.66	20.87	14.71
PE Ratio	10.25	9.95	7.48	6.81	9.71	6.78
PS Ratio	3.54	3.44	2.45	2.18	2.56	2.19
PB Ratio	1.22	1.18	0.88	0.78	0.81	0.75
P/FCF Ratio	-	-	1.94	4.99	-	-
P/OCF Ratio	-	-	1.83	4.33	-	-
Debt / Equity Ratio	0.54	0.54	0.49	0.73	0.58	0.45
Debt / FCF Ratio	-	-	1.09	4.68	-	-
Net Debt / Equity Ratio	-0.72	-0.72	-1.00	-0.32	-0.23	-0.67
Net Debt / FCF Ratio	1.41	1.41	-2.22	-2.07	0.55	2.20
Return on Equity (ROE)	12.29%	12.29%	13.49%	13.05%	9.38%	12.36%
Return on Assets (ROA)	1.82%	1.82%	1.95%	1.82%	1.29%	1.60%
Earnings Yield	9.76%	10.05%	14.82%	16.24%	11.08%	15.62%
FCF Yield	-41.79%	-43.05%	51.55%	20.05%	-50.89%	-40.60%
Dividend Yield	0.29%	-	4.12%	4.30%	3.43%	4.61%
Payout Ratio	36.02%	36.02%	30.41%	27.41%	34.82%	5.52%
Buyback Yield / Dilution	-6.77%	-6.77%	1.85%	0.52%	-0.17%	0.31%
Total Shareholder Return	-6.47%	-6.77%	5.97%	4.82%	3.26%	4.91%

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