Primary Bank 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	2019 - 2017
Period Ending	Apr '26 Apr 23, 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	2019 - 2017
Market Capitalization	143	117	105	111	93	72	Upgrade
Market Cap Growth	47.00%	12.08%	-6.01%	19.48%	28.83%	76.03%	Upgrade
Last Close Price	29.50	24.89	22.50	24.25	21.00	16.50	Upgrade
PE Ratio	13.47	11.07	10.47	10.45	11.12	20.57	Upgrade
PS Ratio	5.48	4.49	3.88	4.54	4.60	6.20	Upgrade
PB Ratio	1.44	1.18	1.19	1.46	1.46	1.36	Upgrade
P/FCF Ratio	11.22	9.19	8.53	9.10	27.45	34.49	Upgrade
P/OCF Ratio	11.22	9.19	8.48	9.07	23.47	27.53	Upgrade
Debt / Equity Ratio	0.02	0.02	0.02	0.15	0.03	0.02	Upgrade
Debt / FCF Ratio	0.14	0.14	0.17	0.96	0.59	0.53	Upgrade
Net Debt / Equity Ratio	-0.93	-0.93	-1.01	-0.70	-2.38	-2.43	Upgrade
Net Debt / FCF Ratio	-7.30	-7.30	-7.27	-4.35	-44.71	-61.49	Upgrade
Return on Equity (ROE)	11.27%	11.27%	12.15%	15.21%	14.35%	8.53%	Upgrade
Return on Assets (ROA)	1.51%	1.51%	1.48%	1.61%	1.36%	0.81%	Upgrade
Earnings Yield	7.40%	9.03%	9.55%	9.57%	8.99%	4.86%	Upgrade
FCF Yield	8.91%	10.88%	11.72%	10.99%	3.64%	2.90%	Upgrade
Buyback Yield / Dilution	-14.21%	-1.27%	0.28%	-4.37%	-8.35%	-35.36%	Upgrade

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