The Victory 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
Period Ending	Mar '26 Mar 27, 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	46	21	22	29	25	19
Market Cap Growth	89.06%	-5.35%	-23.62%	14.94%	34.05%	-5.11%
Last Close Price	22.00	10.46	10.82	13.87	11.91	8.67
PE Ratio	21.18	12.74	10.45	7.93	6.45	8.36
PS Ratio	3.06	1.52	1.61	1.84	1.69	1.66
PB Ratio	1.46	0.72	0.80	1.12	1.01	0.86
P/FCF Ratio	32.94	9.99	1.01	-	3.74	-
P/OCF Ratio	22.29	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	4.65%	7.85%	9.57%	12.61%	15.50%	11.96%
FCF Yield	3.04%	10.01%	98.83%	-51.41%	26.77%	-1.45%
Dividend Yield	1.18%	2.49%	2.40%	1.80%	1.68%	2.31%
Payout Ratio	25.03%	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	-3.55%	2.82%	3.40%	1.03%	-0.02%	2.85%