The Victory Bancorp, Inc. (VTYB)

The Victory Bancorp Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb 11, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	42	21	22	29	25	19
Market Cap Growth	63.29%	-5.35%	-23.62%	14.94%	34.05%	-5.11%
Last Close Price	20.94	10.49	10.85	13.91	11.94	8.70
PE Ratio	20.16	12.74	10.45	7.93	6.45	8.36
PS Ratio	2.77	1.52	1.61	1.84	1.69	1.66
PB Ratio	1.32	0.72	0.80	1.12	1.01	0.86
P/FCF Ratio	29.81	9.99	1.01	-	3.74	-
P/OCF Ratio	20.17	8.11	1.01	-	3.59	-
Debt / Equity Ratio	0.55	1.12	1.75	0.63	0.92	3.14
Debt / FCF Ratio	12.36	15.46	2.22	-	3.41	-
Net Debt / Equity Ratio	-0.71	0.79	1.27	0.25	-3.20	-2.09
Net Debt / FCF Ratio	-16.00	10.89	1.61	-0.43	-11.83	166.98
Return on Equity (ROE)	7.04%	5.80%	7.91%	14.38%	16.73%	10.88%
Return on Assets (ROA)	0.45%	0.37%	0.49%	0.85%	0.91%	0.64%
Earnings Yield	5.14%	7.85%	9.57%	12.61%	15.50%	11.96%
FCF Yield	3.35%	10.01%	98.83%	-51.41%	26.77%	-1.45%
Dividend Yield	1.24%	2.48%	2.40%	1.80%	1.67%	2.30%
Payout Ratio	24.04%	30.87%	23.91%	18.38%	14.81%	17.14%
Buyback Yield / Dilution	-4.74%	0.34%	0.99%	-0.78%	-1.70%	0.55%
Total Shareholder Return	-3.49%	2.82%	3.39%	1.02%	-0.03%	2.85%

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