Commencement Bancorp Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 13, 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	64	62	48	40	46	55
Market Cap Growth	60.27%	28.16%	21.91%	-13.14%	-16.41%	15.21%
Last Close Price	17.07	16.66	12.70	9.80	11.28	13.13
PE Ratio	9.59	9.25	16.08	13.03	8.33	13.06
PS Ratio	2.40	2.34	2.36	2.03	2.33	3.36
PB Ratio	1.06	1.03	0.94	0.79	0.98	1.02
P/FCF Ratio	-	-	14.04	10.66	14.33	7.19
P/OCF Ratio	-	-	10.14	9.98	13.99	7.14
Debt / Equity Ratio	-	-	0.04	0.03	0.61	0.04
Debt / FCF Ratio	-	-	0.65	0.34	8.98	0.30
Net Debt / Equity Ratio	-0.55	-0.55	-1.21	-0.28	0.32	-1.13
Net Debt / FCF Ratio	-	-	-17.99	-3.76	4.74	-8.00
Return on Equity (ROE)	12.02%	12.02%	5.93%	6.30%	10.96%	7.95%
Return on Assets (ROA)	1.01%	1.01%	0.49%	0.52%	0.99%	0.79%
Earnings Yield	10.54%	10.81%	6.22%	7.68%	12.01%	7.66%
FCF Yield	-	-	7.12%	9.38%	6.98%	13.91%
Payout Ratio	-	-	26.13%	-	-	-
Buyback Yield / Dilution	3.22%	3.22%	3.33%	0.65%	3.79%	0.18%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.