Benchmark Bankshares Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 26, 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	163	116	103	102	110	74
Market Cap Growth	57.98%	12.01%	1.83%	-7.38%	48.96%	-16.13%
Last Close Price	36.75	24.78	21.12	19.96	20.88	13.70
PE Ratio	8.59	7.31	6.73	7.67	9.52	7.21
PS Ratio	2.58	2.01	1.91	2.20	2.63	1.95
PB Ratio	1.33	1.06	1.05	1.19	1.30	0.96
P/FCF Ratio	-	8.39	8.90	6.97	9.16	6.79
P/OCF Ratio	-	7.13	6.39	6.67	8.31	6.03
Debt / Equity Ratio	-	0.01	0.02	0.04	0.05	0.07
Debt / FCF Ratio	-	0.09	0.17	0.22	0.38	0.49
Net Debt / Equity Ratio	-0.60	-0.61	-1.02	-1.16	-3.20	-2.21
Net Debt / FCF Ratio	-	-4.84	-8.66	-6.80	-22.55	-15.65
Return on Equity (ROE)	16.46%	15.23%	16.69%	15.57%	14.29%	14.04%
Return on Assets (ROA)	1.51%	1.33%	1.34%	1.22%	1.21%	1.29%
Earnings Yield	11.68%	13.68%	14.87%	13.03%	10.51%	13.88%
FCF Yield	-	11.92%	11.23%	14.35%	10.91%	14.73%
Dividend Yield	2.61%	3.47%	3.79%	3.66%	3.26%	4.82%
Payout Ratio	-	23.16%	22.93%	23.88%	25.96%	28.11%
Buyback Yield / Dilution	0.48%	0.95%	0.30%	0.18%	-1.09%	6.10%
Total Shareholder Return	3.09%	4.42%	4.09%	3.84%	2.16%	10.92%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.