IBW Financial 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	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	28	27	10	17	20	21
Market Cap Growth	158.12%	162.34%	-39.85%	-12.82%	-5.91%	27.27%
Last Close Price	45.00	41.61	15.85	25.86	32.08	34.02
PE Ratio	31.35	29.24	3.99	13.61	7.89	3.71
PS Ratio	0.89	0.87	0.31	0.62	0.67	0.62
PB Ratio	0.21	0.21	0.08	0.14	0.31	0.44
P/FCF Ratio	5.97	5.83	1.99	-	-	-
P/OCF Ratio	4.70	4.58	1.15	5.42	7.29	-
Debt / Equity Ratio	0.04	0.04	0.24	0.06	0.18	0.10
Debt / FCF Ratio	1.13	1.13	6.03	-	-	-
Net Debt / Equity Ratio	-0.49	-0.49	-0.19	-0.56	-0.92	-1.83
Net Debt / FCF Ratio	-13.63	-13.63	-4.64	264.02	18.18	20.21
Return on Equity (ROE)	1.41%	1.41%	2.16%	1.48%	4.52%	12.83%
Return on Assets (ROA)	0.24%	0.24%	0.36%	0.20%	0.43%	1.04%
Earnings Yield	3.34%	6.69%	26.27%	8.04%	12.80%	27.10%
FCF Yield	16.74%	17.16%	50.34%	-1.52%	-16.36%	-20.71%
Dividend Yield	0.29%	0.58%	1.20%	0.66%	0.50%	0.73%
Payout Ratio	57.36%	57.36%	9.25%	16.43%	4.92%	3.07%
Buyback Yield / Dilution	-8.16%	-	-	-4.41%	-3.60%	0.14%
Total Shareholder Return	-7.87%	0.58%	1.20%	-3.75%	-3.10%	0.87%

Updated Sep 1, 2018. Source: S&P Global Market Intelligence. Banks template. Financial Sources.