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	Jan 16, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	39	21	22	29	25	19
Market Cap Growth	25.38%	-5.35%	-23.62%	14.94%	34.05%	-5.11%
Last Close Price	19.38	10.49	10.85	13.91	11.94	8.70
PE Ratio	18.65	12.74	10.45	7.93	6.45	8.36
PS Ratio	2.56	1.52	1.61	1.84	1.69	1.66
PB Ratio	1.22	0.72	0.80	1.12	1.01	0.86
P/FCF Ratio	27.59	9.99	1.01	-	3.74	-
P/OCF Ratio	18.67	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	-
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	5.55%	7.85%	9.57%	12.61%	15.50%	11.96%
FCF Yield	3.63%	10.01%	98.83%	-51.41%	26.77%	-1.45%
Dividend Yield	1.34%	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	-3.39%	2.82%	3.39%	1.02%	-0.03%	2.85%

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