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 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	May '25 May 29, 2025	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	2015 - 2019
Market Capitalization	46	48	40	46	55	47	Upgrade
Market Cap Growth	21.91%	21.91%	-13.14%	-16.41%	15.21%	-19.60%	Upgrade
Last Close Price	12.24	12.70	9.80	11.28	13.13	11.13	Upgrade
PE Ratio	15.90	16.08	13.03	8.33	13.06	11.78	Upgrade
PS Ratio	2.26	2.36	2.03	2.33	3.36	3.07	Upgrade
PB Ratio	0.90	0.94	0.79	0.98	1.02	0.92	Upgrade
P/FCF Ratio	13.44	14.04	10.66	14.33	7.19	8.79	Upgrade
P/OCF Ratio	9.70	10.14	9.98	13.99	7.14	8.66	Upgrade
Debt / Equity Ratio	0.04	0.04	0.03	0.61	0.04	0.05	Upgrade
Debt / FCF Ratio	0.65	0.65	0.34	8.98	0.30	0.52	Upgrade
Return on Equity (ROE)	5.93%	5.93%	6.30%	10.96%	7.95%	8.10%	Upgrade
Return on Assets (ROA)	0.49%	0.49%	0.52%	0.99%	0.79%	0.88%	Upgrade
Earnings Yield	6.50%	6.22%	7.68%	12.01%	7.66%	8.49%	Upgrade
FCF Yield	7.44%	7.12%	9.38%	6.98%	13.91%	11.38%	Upgrade
Payout Ratio	26.13%	26.13%	-	-	-	-	Upgrade
Buyback Yield / Dilution	3.33%	3.33%	0.65%	3.79%	0.18%	-2.38%	Upgrade

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