ALBY Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Net Interest Income	11.75	10.95	10.49	8.5	7.16	Upgrade
Net Interest Income Growth (YoY)	7.30%	4.44%	23.34%	18.73%	4.68%	Upgrade
Other Non-Interest Income	0.93	0.99	0.92	0.87	0.94	Upgrade
Total Non-Interest Income	0.93	0.99	0.92	0.87	0.94	Upgrade
Non-Interest Income Growth (YoY)	-5.48%	7.52%	5.16%	-7.43%	-18.51%	Upgrade
Revenues Before Loan Losses	12.68	11.94	11.4	9.37	8.1	Upgrade
Revenue	12.68	11.94	11.4	9.37	8.1	Upgrade
Revenue Growth (YoY)	6.24%	4.68%	21.65%	15.69%	1.33%	Upgrade
Other Non-Interest Expense	6.28	6.2	6.06	5.74	5.56	Upgrade
Total Non-Interest Expense	6.28	6.2	6.06	5.74	5.56	Upgrade
EBT Excluding Unusual Items	6.4	5.74	5.34	3.63	2.54	Upgrade
Pretax Income	6.4	5.74	5.34	3.63	2.54	Upgrade
Income Tax Expense	1.5	1.29	1.28	0.83	0.55	Upgrade
Net Income	4.9	4.45	4.07	2.81	1.99	Upgrade
Net Income to Common	4.9	4.45	4.07	2.81	1.99	Upgrade
Net Income Growth	10.18%	9.42%	44.80%	41.25%	12.13%	Upgrade
Basic Shares Outstanding	1	1	1	1	1	Upgrade
Diluted Shares Outstanding	1	1	1	1	1	Upgrade
Shares Change (YoY)	0.79%	0.60%	0.64%	0.72%	0.20%	Upgrade
EPS (Basic)	3.78	3.46	3.18	2.21	1.58	Upgrade
EPS (Diluted)	3.78	3.46	3.18	2.21	1.58	Upgrade
EPS Growth	9.36%	8.80%	43.89%	40.12%	11.90%	Upgrade
Dividend Per Share	2.000	0.750	0.750	-	-	Upgrade
Dividend Growth	166.67%	-	-	-	-	Upgrade
Effective Tax Rate	23.38%	22.48%	23.91%	22.73%	21.70%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.