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Zacks Company Profile for VSB Bancorp Inc. (VSBN : OTCBB)

• Company Description    VSB BANCORP, INC. is the one-bank holding company for Victory State Bank, a Staten Island based commercial bank. The Bank's initial capitalization of $7.0 million was primarily raised in the Staten Island community. The Bancorp's total equity has increased to $21.6 million primarily through the retention of earnings. The Bank operates five full service locations in Staten Island: the main office in Great Kills, and branches on Forest Avenue (West Brighton), Hyatt Street (St. George), Hylan Boulevard (Dongan Hills) and on Bay Street (Rosebank). Number of Employees:

• Price / Volume Information    Yesterday's Closing Price: $ Daily Weekly Monthly 20 Day Moving Average: shares Shares Outstanding: (millions) Market Capitalization: $ (millions) Beta: 52 Week High: $32.50 52 Week Low: $18.26 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week % % 12 Week % % Year To Date % %

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 4142 HYLAN BOULEVARD - STATEN ISLAND,NY 10308 USA ph: 718-979-1100 fax: 718-979-1101 None http://www.victorystatebank.com

• General Corporate Information    Officers Raffaele M. Branca - Chief Executive Officer;President;Chief Financial Joseph J. LiBassi - Chairman Carlos M. Perez - Director Robert S. Cutrona - Director Chaim Farkas - Director Peer Information - (-) - (-) - (-) - (-) - (-) - (-) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 917927105 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: - Next Expected EPS Date: - Share - Related Items Shares Outstanding: Most Recent Split Date: (:1) Beta: Market Capitalization: $ (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: % Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: NA - $0.00 Next EPS Report Date: -

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: - PEG Ratio: - Price Ratios Price/Book: - Price/Cash Flow: - Price / Sales: - EPS Growth vs. Year Ago Period: -% vs. Previous Quarter: -% Sales Growth vs. Year Ago Period: -% vs. Previous Quarter: -% ROE 06/30/25 - - 03/31/25 - - 12/31/24 - - ROA 06/30/25 - - 03/31/25 - - 12/31/24 - - Current Ratio 06/30/25 - - 03/31/25 - - 12/31/24 - - Quick Ratio 06/30/25 - - 03/31/25 - - 12/31/24 - - Operating Margin 06/30/25 - - 03/31/25 - - 12/31/24 - - Net Margin 06/30/25 - - 03/31/25 - - 12/31/24 - - Pre-Tax Margin 06/30/25 - - 03/31/25 - - 12/31/24 - - Book Value 06/30/25 - - 03/31/25 - - 12/31/24 - - Inventory Turnover 06/30/25 - - 03/31/25 - - 12/31/24 - - Debt-to-Equity 06/30/25 - - 03/31/25 - - 12/31/24 - - Debt-to-Capital 06/30/25 - - 03/31/25 - - 12/31/24 - -

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