ALLY

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 19.79 11.64 4.83 5.75 12.34
Price to Sales 1.35 1.29 0.92 2.10 2.00
Book Value Per Common Share 123.73 123.92 42.96 150.89 117.73
Price to Book 0.29 0.28 0.57 0.32 0.30
Price to Operating Cash Flow 2.19 1.91 0.97 2.21 2.92
Price to Free Cash Flow
Enterprise Value to EBITDA 10674.53 9898.87 6988.43 12393.00 17761.09
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
Price to Earnings 27.41 169.35 -44.48 15.02 30.75 96.64 9.39 13.85 26.55 6.63 10.19 23.25 7.90 10.95 21.33
Price to Sales 2.10 3.33 7.31 1.79 3.05 6.25 1.32 1.96 3.67 1.44 2.62 6.84 3.13 4.62 8.76
Book Value Per Common Share 88.60 84.01 82.05 123.73 85.43 77.68 76.73 123.92 69.16 76.82 76.35 42.96 68.35 79.80 88.71 150.89 99.05 97.28 39.34 117.73
Price to Book 0.44 0.46 0.44 0.29 0.42 0.51 0.53 0.28 0.39 0.35 0.33 0.57 0.41 0.42 0.49 0.32 0.52 0.51 1.15 0.30
Price to Operating Cash Flow 3.93 6.39 11.99 2.79 4.17 9.26 1.73 2.71 5.39 1.77 3.17 8.89 6.10 11.46 14.50
Price to Free Cash Flow
Enterprise Value to EBITDA 18482.50 29216.08 76384.10 14958.11 25062.42 51135.24 11643.69 17982.96 35529.49 18322.46 34821.39 89802.17 33151.44 48299.26 86839.09

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -39.33 -40.71 -38.89 186.51
Revenue YoY -0.40 -2.54 2.71 22.73
EBITDA YoY -3.46 1.84 -19.26 72.52
Net Profit YoY -34.51 -40.49 -43.99 182.03
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
Earning YoY 521.74 83.72 207.14 45.64 103.13 27.66 75.94 41.98 114.62
Revenue YoY 59.84 135.11 52.76 100.70 47.09 99.00 47.87 97.24 49.35 107.64
EBITDA YoY 59.10 179.97 50.33 100.08 52.56 110.03 63.86 51.59 90.04 -17.57 43.86 93.29
Net Profit YoY 313.39 79.16 187.26 45.68 103.13 26.30 73.59 41.98 113.07

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 81.99 58.60 19.65 47.11 103.66
Quick Ratio
Current Ratio
Debt to Equity 0.46 0.45 0.45 0.42 0.45
Long-Term Debt to Equity
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
Cash Per Common Share 33.08 34.23 33.69 82.40 28.09 24.05 26.64 58.85 28.06 32.89 32.31 20.79 21.45 19.38 19.48 50.55 38.16 44.91 50.59 103.92
Quick Ratio
Current Ratio
Debt to Equity 0.78 0.78 0.79 0.46 0.78 0.77 0.76 0.45 0.77 0.76 0.75 0.45 0.73 0.73 0.70 0.42 0.70 0.69 0.72 0.45
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.11 0.16 0.27 0.50 0.17
ROE 0.16 0.23 0.39 0.71 0.25
Gross Margin 93.35 94.86 96.68 89.30 94.57
Operating Margin 111.39 114.86 108.71 142.94 89.44
EBITDA Margin 126.05 130.05 124.45 158.31 112.62
Net Profit Margin 8.17 12.42 20.34 37.29 16.23
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
ROA 0.13 0.03 -0.05 0.19 0.11 0.04 0.21 0.14 0.07 0.33 0.27 0.16 0.59 0.41 0.19
ROE 0.22 0.06 -0.10 0.34 0.19 0.06 0.38 0.25 0.12 0.58 0.47 0.27 1.00 0.69 0.32
Gross Margin 91.28 89.95 89.55 92.97 92.65 94.36 94.65 94.69 95.81 96.52 96.51 73.82 95.02 99.95 96.75
Operating Margin 95.16 94.40 71.84 104.02 105.77 105.39 97.74 94.04 87.90 57.31 55.76 58.41 74.16 77.18 80.74
EBITDA Margin 112.92 113.44 95.26 119.30 121.22 121.60 112.75 108.71 103.00 73.37 71.57 74.29 89.66 93.09 100.00
Net Profit Margin 9.07 3.51 -14.60 13.27 11.31 7.91 15.36 15.51 15.19 23.06 27.00 30.68 40.09 42.17 41.09

Dividends

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Dividend Yield
Dividend Payout Ratio
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Assets 627,647,000.00 649,420,000.00 644,491,000.00 613,471,000.00 632,170,000.00
   Deposits 445,196,000.00 475,141,000.00 152,297,000.00 406,397,000.00 441,146,000.00
      Cash and Short-Term Investments 25,163,000.00 17,801,000.00 6,222,000.00 17,083,000.00 38,937,000.00
            Cash and Cash Equivalents 25,163,000.00 17,801,000.00 6,222,000.00 13,771,000.00 35,724,000.00
            Short-Term Investments 0 0 0 3,312,000.00 3,213,000.00
      Net Receivables 929,000.00 935,000.00 786,000.00 600,000.00 704,000.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 9,611,000.00 11,191,000.00 2,463,000.00 2,287,000.00 1,703,000.00
      Goodwill 551,000.00 669,000.00 822,000.00 822,000.00 343,000.00
      Intangible Assets 131,000.00 112,000.00 109,000.00 129,000.00 59,000.00
      Long-Term Investments 632,000.00 651,000.00 608,000.00 472,000.00 320,000.00
      Non-Current Deferred Assets 0 0 0 0 0
      Other Non-Current Assets 0 0 0 0 0
Liabilities 197,552,000.00 200,986,000.00 199,256,000.00 182,083,000.00 197,324,000.00
      Payables and Expenses 0 0 0 0 0
            Account Payables 0 0 0 0 0
            Current Accrued Liabilities 0 0 0 0 0
      Short-Term Debt 8,125,000.00 16,561,000.00 4,418,000.00 0 12,816,000.00
      Other Current Liabilities 0 0 0 0 0
      Long-Term Debt 12,676,000.00 13,230,000.00 13,344,000.00 11,160,000.00 16,921,000.00
      Other Non-Current Liabilities 0 0 0 0 0
Equity 430,095,000.00 448,434,000.00 445,235,000.00 431,388,000.00 434,846,000.00
   Shareholders Equity 37,785,000.00 37,482,000.00 12,859,000.00 50,992,000.00 44,109,000.00
      Capital Stock 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 0
      Share Premium 0 0 0 0 0
      Retained Earnings 270,000.00 154,000.00 -384,000.00 -1,599,000.00 -4,278,000.00
      Treasury Shares 6,909,000.00 6,871,000.00 6,838,000.00 5,188,000.00 3,194,000.00
      Accumulated Other Comprehensive Income -3,924,000.00 -3,816,000.00 -4,059,000.00 -158,000.00 631,000.00
   Minority Interest 0 0 0 0 0
Investments 2,562,000.00 2,402,000.00 23,711,000.00 8,060,000.00 104,136,000.00
Debt 130,649,000.00 138,784,000.00 123,018,000.00 120,844,000.00 171,018,000.00
Net Debt 105,486,000.00 120,983,000.00 116,796,000.00 103,761,000.00 132,081,000.00
Common Shares Outstanding 305,388.00 302,459.26 299,324.36 337,941.00 374,674.41
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 8,181,000.00 8,214,000.00 8,428,000.00 8,206,000.00 6,686,000.00
   Net Premiums 419,000.00 276,000.00 197,000.00 192,000.00 224,000.00
Cost Of Revenue 544,000.00 422,000.00 280,000.00 878,000.00 363,000.00
Interest Income 7,472,000.00 6,897,000.00 2,857,000.00 1,914,000.00 3,243,000.00
Interest Expense 7,472,000.00 6,897,000.00 2,857,000.00 1,914,000.00 3,243,000.00
Net Interest 7,472,000.00 6,897,000.00 2,857,000.00 1,914,000.00 3,243,000.00
Non-Interest Income 4,468,000.00 4,195,000.00 4,837,000.00 4,321,000.00 6,793,000.00
Non-Interest Expense 10,831,000.00 10,792,000.00 10,039,000.00 8,870,000.00 8,359,000.00
Provisions for Credit Losses 0 0 0 617,000.00 1,439,000.00
Gross Profit 7,637,000.00 7,792,000.00 8,148,000.00 7,328,000.00 6,323,000.00
   Selling, General and Administrative Expenses 438,000.00 436,000.00 406,000.00 345,000.00 314,000.00
EBT 1,641,000.00 2,538,000.00 6,305,000.00 9,816,000.00 2,737,000.00
Income Tax 160,000.00 347,000.00 374,000.00 378,000.00 28,000.00
Equity Method Investments Income 20,000.00 4,000.00 102,000.00 132,000.00 161,000.00
Net Income 668,000.00 1,020,000.00 1,714,000.00 3,060,000.00 1,085,000.00
EBIT 9,113,000.00 9,435,000.00 9,162,000.00 11,730,000.00 5,980,000.00
Deprecation and Amortization 1,199,000.00 1,247,000.00 1,327,000.00 1,261,000.00 1,550,000.00
EBITDA 10,312,000.00 10,682,000.00 10,489,000.00 12,991,000.00 7,530,000.00
EPS 0.00 0.00 0.01 0.01 0.00
Diluted EPS 0.00 0.00 0.01 0.01 0.00
Average Shares Outstanding Basic 306,913.00 303,751.00 316,690.00 362,583.00 375,629.00
Average Shares Outstanding Diluted 310,160.00 305,135.00 318,629.00 365,180.00 377,101.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 5,039,000.00 5,542,000.00 7,980,000.00 7,795,000.00 4,587,000.00
   Operating Net Income 2,004,000.00 3,060,000.00 5,142,000.00 9,180,000.00 3,255,000.00
   Deprecation and Amortization 1,199,000.00 1,247,000.00 1,327,000.00 1,261,000.00 1,550,000.00
   Deferred Income Tax 28,000.00 -65,000.00 553,000.00 116,000.00 242,000.00
   Share Based Compensation 0 0 0 0 0
   Change in Working Capital 258,000.00 684,000.00 -1,682,000.00 440,000.00 -360,000.00
   Other Operating Activities 1,550,000.00 616,000.00 2,640,000.00 -3,202,000.00 -100,000.00
Investing Cash Flow 4,826,000.00 -7,628,000.00 -17,237,000.00 -10,452,000.00 10,173,000.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 0 0 0 0 0
   Net Purchase/Sale of Investments Net 5,938,000.00 4,324,000.00 13,964,000.00 39,089,000.00 36,919,000.00
   Net Purchase/Sale of Business 1,956,000.00 0 0 699,000.00 0
   Net Loan & Lease Activity 4,978,000.00 4,492,000.00 7,284,000.00 7,510,000.00 8,713,000.00
   Other Investing Activities -8,046,000.00 -16,444,000.00 -38,485,000.00 -57,750,000.00 -35,459,000.00
Financing Cash Flow -5,244,000.00 3,878,000.00 9,502,000.00 -9,093,000.00 -206,000.00
   Net Issuance/Repayment of Debt 10,681,000.00 15,695,000.00 18,775,000.00 6,726,000.00 21,256,000.00
   Net Issuance/Repurchase of Equity 38,000.00 33,000.00 1,650,000.00 8,636,000.00 106,000.00
   Dividends Paid 964,000.00 956,000.00 988,000.00 762,000.00 579,000.00
   Other Financing Activities -16,927,000.00 -12,806,000.00 -11,911,000.00 -25,217,000.00 -22,147,000.00
Net Change in Cash 4,609,000.00 1,795,000.00 238,000.00 -11,750,000.00 14,557,000.00
   Cash at Beginning of Period 6,771,000.00 5,644,000.00 5,984,000.00 17,420,000.00 2,017,000.00
   Cash at End of Period 11,380,000.00 7,439,000.00 6,222,000.00 5,670,000.00 16,574,000.00
Free Cash Flow 0 0 0 0 0
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
Assets 415,046,000.00 411,114,000.00 420,562,000.00 627,647,000.00 424,920,000.00 423,517,000.00 427,493,000.00 649,420,000.00 444,854,000.00 449,811,000.00 452,740,000.00 644,491,000.00 430,137,000.00 420,749,000.00 418,552,000.00 613,471,000.00 409,397,000.00 415,452,000.00 427,093,000.00 632,170,000.00
   Deposits 419,505,000.00 416,315,000.00 430,497,000.00 445,196,000.00 454,276,000.00 450,711,000.00 463,465,000.00 475,141,000.00 465,814,000.00 474,035,000.00 464,839,000.00 152,297,000.00 405,909,000.00 396,055,000.00 398,425,000.00 406,397,000.00 409,318,000.00 420,811,000.00 433,084,000.00 441,146,000.00
      Cash and Short-Term Investments 10,246,000.00 10,592,000.00 10,409,000.00 25,163,000.00 8,616,000.00 7,369,000.00 8,153,000.00 17,801,000.00 8,515,000.00 9,972,000.00 9,780,000.00 6,222,000.00 6,905,000.00 6,372,000.00 6,539,000.00 17,083,000.00 14,050,000.00 16,742,000.00 18,982,000.00 38,937,000.00
            Cash and Cash Equivalents 10,246,000.00 10,592,000.00 10,409,000.00 25,163,000.00 8,616,000.00 7,369,000.00 8,153,000.00 17,801,000.00 8,515,000.00 9,972,000.00 9,780,000.00 6,222,000.00 5,004,000.00 4,167,000.00 3,932,000.00 13,771,000.00 10,915,000.00 13,664,000.00 15,778,000.00 35,724,000.00
            Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 1,901,000.00 2,205,000.00 2,607,000.00 3,312,000.00 3,135,000.00 3,078,000.00 3,204,000.00 3,213,000.00
      Net Receivables 896,000.00 887,000.00 1,710,000.00 929,000.00 945,000.00 936,000.00 941,000.00 935,000.00 898,000.00 847,000.00 807,000.00 786,000.00 702,000.00 646,000.00 609,000.00 600,000.00 580,000.00 1,073,177,000.00 608,000.00 704,000.00
      Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Property, Plant, Equipment Net 10,035,000.00 9,458,000.00 9,449,000.00 9,611,000.00 9,950,000.00 10,107,000.00 10,663,000.00 11,191,000.00 11,595,000.00 11,952,000.00 12,253,000.00 2,463,000.00 2,446,000.00 2,390,000.00 2,289,000.00 2,287,000.00 2,223,000.00 1,810,000.00 1,770,000.00 1,703,000.00
      Goodwill 190,000.00 190,000.00 190,000.00 551,000.00 669,000.00 669,000.00 669,000.00 669,000.00 822,000.00 822,000.00 822,000.00 822,000.00 822,000.00 822,000.00 822,000.00 822,000.00 343,000.00 343,000.00 343,000.00 343,000.00
      Intangible Assets 80,000.00 80,000.00 80,000.00 131,000.00 127,000.00 123,000.00 118,000.00 112,000.00 128,000.00 122,000.00 116,000.00 109,000.00 104,000.00 112,000.00 121,000.00 129,000.00 72,000.00 68,000.00 63,000.00 59,000.00
      Long-Term Investments 705,000.00 680,000.00 665,000.00 632,000.00 658,000.00 649,000.00 638,000.00 651,000.00 650,000.00 621,000.00 595,000.00 608,000.00 576,000.00 583,000.00 544,000.00 472,000.00 402,000.00 382,000.00 370,000.00 320,000.00
      Non-Current Deferred Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Other Non-Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Liabilities 181,330,000.00 180,483,000.00 185,478,000.00 197,552,000.00 185,598,000.00 184,300,000.00 185,210,000.00 200,986,000.00 194,108,000.00 193,803,000.00 193,890,000.00 199,256,000.00 181,926,000.00 178,145,000.00 172,949,000.00 182,083,000.00 167,926,000.00 170,052,000.00 179,189,000.00 197,324,000.00
      Payables and Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
            Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
            Current Accrued Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Short-Term Debt 19,397,000.00 19,298,000.00 16,707,000.00 8,125,000.00 8,855,000.00 15,682,000.00 0 16,561,000.00 12,066,000.00 11,050,000.00 7,339,000.00 4,418,000.00 36,016,000.00 38,883,000.00 19,750,000.00 0 0 0 0 12,816,000.00
      Other Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Long-Term Debt 13,243,000.00 12,360,000.00 12,037,000.00 12,676,000.00 13,067,000.00 11,470,000.00 12,437,000.00 13,230,000.00 14,125,000.00 14,985,000.00 15,563,000.00 13,344,000.00 13,377,000.00 13,410,000.00 11,712,000.00 11,160,000.00 9,518,000.00 9,749,000.00 14,866,000.00 16,921,000.00
      Other Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Equity 233,716,000.00 230,631,000.00 235,084,000.00 430,095,000.00 239,322,000.00 239,217,000.00 242,283,000.00 448,434,000.00 250,746,000.00 256,008,000.00 258,850,000.00 445,235,000.00 248,211,000.00 242,604,000.00 245,603,000.00 431,388,000.00 241,471,000.00 245,400,000.00 247,904,000.00 434,846,000.00
   Shareholders Equity 27,290,000.00 25,875,000.00 25,202,000.00 37,785,000.00 26,057,000.00 23,693,000.00 23,325,000.00 37,482,000.00 20,885,000.00 23,201,000.00 22,980,000.00 12,859,000.00 20,528,000.00 24,959,000.00 29,035,000.00 50,992,000.00 34,629,000.00 35,276,000.00 14,625,000.00 44,109,000.00
      Capital Stock 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 2,324,000.00 0 0
      Share Premium 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Retained Earnings 427,000.00 151,000.00 -78,000.00 270,000.00 595,000.00 360,000.00 188,000.00 154,000.00 197,000.00 23,000.00 -185,000.00 -384,000.00 -544,000.00 -721,000.00 -1,076,000.00 -1,599,000.00 -2,136,000.00 -2,726,000.00 -3,555,000.00 -4,278,000.00
      Treasury Shares 6,945,000.00 6,944,000.00 6,943,000.00 6,909,000.00 6,902,000.00 6,901,000.00 6,900,000.00 6,871,000.00 6,867,000.00 6,867,000.00 6,865,000.00 6,838,000.00 6,787,000.00 6,372,000.00 5,772,000.00 5,188,000.00 4,594,000.00 3,915,000.00 3,413,000.00 3,194,000.00
      Accumulated Other Comprehensive Income -2,944,000.00 -3,219,000.00 -3,262,000.00 -3,924,000.00 -3,393,000.00 -4,009,000.00 -3,989,000.00 -3,816,000.00 -4,765,000.00 -3,863,000.00 -3,776,000.00 -4,059,000.00 -4,340,000.00 -3,009,000.00 -1,791,000.00 -158,000.00 51,000.00 216,000.00 27,000.00 631,000.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 2,539,000.00 2,759,000.00 2,775,000.00 2,562,000.00 2,581,000.00 2,513,000.00 2,316,000.00 2,402,000.00 2,131,000.00 2,234,000.00 2,113,000.00 23,711,000.00 5,875,000.00 6,425,000.00 7,137,000.00 8,060,000.00 7,821,000.00 859,133,000.00 114,421,000.00 104,136,000.00
Debt 131,289,000.00 122,679,000.00 123,756,000.00 130,649,000.00 114,819,000.00 115,483,000.00 106,147,000.00 138,784,000.00 137,336,000.00 136,353,000.00 135,159,000.00 123,018,000.00 138,965,000.00 144,992,000.00 120,007,000.00 120,844,000.00 97,421,000.00 109,882,000.00 133,417,000.00 171,018,000.00
Net Debt 121,043,000.00 112,087,000.00 113,347,000.00 105,486,000.00 106,203,000.00 108,114,000.00 97,994,000.00 120,983,000.00 128,821,000.00 126,381,000.00 125,379,000.00 116,796,000.00 132,060,000.00 138,620,000.00 113,468,000.00 103,761,000.00 83,371,000.00 93,140,000.00 114,435,000.00 132,081,000.00
Common Shares Outstanding 308,000.00 308,000.00 307,152.47 305,388.00 305,000.00 305,000.00 304,000.00 302,459.26 302,000.00 302,000.00 301,000.00 299,324.36 300,335.09 312,781.37 327,306.30 337,941.00 349,599.00 362,639.00 371,804.63 374,674.41
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31
Revenues 5,791,000.00 3,623,000.00 1,541,000.00 -3,880,000.00 6,089,000.00 3,986,000.00 1,986,000.00 -4,212,000.00 6,147,000.00 4,179,000.00 2,100,000.00 -4,145,000.00 6,227,000.00 4,211,000.00 2,135,000.00 -3,760,000.00 6,007,000.00 4,022,000.00 1,937,000.00
   Net Premiums 0 0 0 419,000.00 0 0 0 276,000.00 0 0 0 197,000.00 0 0 0 192,000.00 0 0 0
Cost Of Revenue 505,000.00 364,000.00 161,000.00 -289,000.00 428,000.00 293,000.00 112,000.00 -217,000.00 329,000.00 222,000.00 88,000.00 -643,000.00 217,000.00 147,000.00 559,000.00 514,000.00 299,000.00 2,000.00 63,000.00
Interest Income 4,846,000.00 3,268,000.00 1,675,000.00 -3,911,000.00 5,673,000.00 3,788,000.00 1,922,000.00 -2,689,000.00 4,989,000.00 3,139,000.00 1,458,000.00 -84,000.00 1,672,000.00 868,000.00 401,000.00 -1,197,000.00 1,499,000.00 1,055,000.00 557,000.00
Interest Expense 4,846,000.00 3,268,000.00 1,675,000.00 -3,911,000.00 5,673,000.00 3,788,000.00 1,922,000.00 -2,689,000.00 4,989,000.00 3,139,000.00 1,458,000.00 -84,000.00 1,672,000.00 868,000.00 401,000.00 -1,197,000.00 1,499,000.00 1,055,000.00 557,000.00
Net Interest 4,846,000.00 3,268,000.00 1,675,000.00 -3,911,000.00 5,673,000.00 3,788,000.00 1,922,000.00 -2,689,000.00 4,989,000.00 3,139,000.00 1,458,000.00 -84,000.00 1,672,000.00 868,000.00 401,000.00 -1,197,000.00 1,499,000.00 1,055,000.00 557,000.00
Non-Interest Income 1,213,000.00 629,000.00 63,000.00 1,253,000.00 1,650,000.00 1,035,000.00 530,000.00 -1,750,000.00 1,439,000.00 3,012,000.00 1,494,000.00 488,000.00 3,153,000.00 754,000.00 442,000.00 -100,000.00 1,494,000.00 1,103,000.00 1,824,000.00
Non-Interest Expense 4,136,000.00 2,896,000.00 1,634,000.00 3,110,000.00 3,819,000.00 2,594,000.00 1,308,000.00 3,264,000.00 3,747,000.00 2,515,000.00 1,266,000.00 3,236,000.00 3,421,000.00 2,260,000.00 1,122,000.00 2,889,000.00 3,020,000.00 2,018,000.00 943,000.00
Provisions for Credit Losses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 501,000.00 672,000.00 93,000.00 -135,000.00 -13,000.00
Gross Profit 5,286,000.00 3,259,000.00 1,380,000.00 -3,591,000.00 5,661,000.00 3,693,000.00 1,874,000.00 -3,995,000.00 5,818,000.00 3,957,000.00 2,012,000.00 -3,502,000.00 6,010,000.00 4,064,000.00 1,576,000.00 -4,274,000.00 5,708,000.00 4,020,000.00 1,874,000.00
   Selling, General and Administrative Expenses 312,000.00 204,000.00 103,000.00 -196,000.00 319,000.00 209,000.00 106,000.00 -219,000.00 328,000.00 219,000.00 108,000.00 -185,000.00 297,000.00 197,000.00 97,000.00 -141,000.00 249,000.00 159,000.00 78,000.00
EBT 665,000.00 152,000.00 -568,000.00 381,000.00 661,000.00 428,000.00 171,000.00 340,000.00 1,019,000.00 791,000.00 388,000.00 2,082,000.00 1,897,000.00 1,480,000.00 846,000.00 3,804,000.00 2,956,000.00 2,049,000.00 1,007,000.00
Income Tax 140,000.00 25,000.00 59,000.00 -24,000.00 147,000.00 23,000.00 14,000.00 63,000.00 74,000.00 142,000.00 68,000.00 -620,000.00 460,000.00 343,000.00 191,000.00 -736,000.00 549,000.00 354,000.00 211,000.00
Equity Method Investments Income 64,000.00 41,000.00 26,000.00 2,000.00 14,000.00 12,000.00 -8,000.00 -1,000.00 8,000.00 15,000.00 -18,000.00 -59,000.00 96,000.00 45,000.00 20,000.00 2,000.00 71,000.00 45,000.00 14,000.00
Net Income 525,000.00 127,000.00 -225,000.00 -748,000.00 808,000.00 451,000.00 157,000.00 -891,000.00 944,000.00 648,000.00 319,000.00 -1,514,000.00 1,436,000.00 1,137,000.00 655,000.00 -1,840,000.00 2,408,000.00 1,696,000.00 796,000.00
EBIT 5,511,000.00 3,420,000.00 1,107,000.00 -3,530,000.00 6,334,000.00 4,216,000.00 2,093,000.00 -2,349,000.00 6,008,000.00 3,930,000.00 1,846,000.00 1,998,000.00 3,569,000.00 2,348,000.00 1,247,000.00 2,607,000.00 4,455,000.00 3,104,000.00 1,564,000.00
Deprecation and Amortization 1,028,000.00 690,000.00 361,000.00 -669,000.00 930,000.00 616,000.00 322,000.00 -606,000.00 923,000.00 613,000.00 317,000.00 -678,000.00 1,000,000.00 666,000.00 339,000.00 -683,000.00 931,000.00 640,000.00 373,000.00
EBITDA 6,539,000.00 4,110,000.00 1,468,000.00 -4,199,000.00 7,264,000.00 4,832,000.00 2,415,000.00 -2,955,000.00 6,931,000.00 4,543,000.00 2,163,000.00 1,320,000.00 4,569,000.00 3,014,000.00 1,586,000.00 1,924,000.00 5,386,000.00 3,744,000.00 1,937,000.00
EPS 0.00 0.00 -0.00 -0.00 0.00 0.00 0.00 -0.00 0.00 0.00 0.00 -0.00 0.00 0.00 0.00 -0.00 0.01 0.00 0.00
Diluted EPS 0.00 0.00 -0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00
Average Shares Outstanding Basic 309,753.00 309,453.00 309,006.00 308,562.00 306,699.00 306,388.00 306,003.00 305,677.00 303,497.00 303,173.00 302,657.00 280,368.00 321,884.00 328,830.00 335,678.00 334,081.00 368,215.00 372,807.00 375,229.00
Average Shares Outstanding Diluted 312,633.00 312,033.00 309,006.00 313,279.00 309,786.00 309,154.00 308,421.00 308,441.00 304,601.00 304,050.00 303,448.00 281,947.00 323,875.00 330,882.00 337,812.00 337,181.00 370,745.00 375,265.00 377,529.00
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31
Operating Cash Flow 3,089,000.00 1,887,000.00 940,000.00 -3,126,000.00 3,908,000.00 2,916,000.00 1,341,000.00 -3,590,000.00 4,680,000.00 3,020,000.00 1,432,000.00 -2,207,000.00 5,074,000.00 3,472,000.00 1,641,000.00 1,920,000.00 3,083,000.00 1,622,000.00 1,170,000.00
   Operating Net Income 525,000.00 127,000.00 -225,000.00 588,000.00 808,000.00 451,000.00 157,000.00 1,149,000.00 944,000.00 648,000.00 319,000.00 1,914,000.00 1,436,000.00 1,137,000.00 655,000.00 4,280,000.00 2,408,000.00 1,696,000.00 796,000.00
   Deprecation and Amortization 1,028,000.00 690,000.00 361,000.00 -669,000.00 930,000.00 616,000.00 322,000.00 -606,000.00 923,000.00 613,000.00 317,000.00 -678,000.00 1,000,000.00 666,000.00 339,000.00 -683,000.00 931,000.00 640,000.00 373,000.00
   Deferred Income Tax 0 0 0 28,000.00 0 0 0 -65,000.00 0 0 0 553,000.00 0 0 0 116,000.00 0 0 0
   Share Based Compensation 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
   Change in Working Capital 694,000.00 197,000.00 97,000.00 -519,000.00 648,000.00 128,000.00 1,000.00 -774,000.00 1,028,000.00 348,000.00 82,000.00 1,477,000.00 -1,488,000.00 -1,222,000.00 -449,000.00 -1,579,000.00 1,036,000.00 942,000.00 41,000.00
   Other Operating Activities 842,000.00 873,000.00 707,000.00 -2,554,000.00 1,522,000.00 1,721,000.00 861,000.00 -3,294,000.00 1,785,000.00 1,411,000.00 714,000.00 -5,473,000.00 4,126,000.00 2,891,000.00 1,096,000.00 -214,000.00 -1,292,000.00 -1,656,000.00 -40,000.00
Investing Cash Flow -813,000.00 1,568,000.00 -1,341,000.00 -4,523,000.00 3,454,000.00 2,394,000.00 3,501,000.00 -551,000.00 -4,215,000.00 -2,480,000.00 -382,000.00 11,791,000.00 -13,908,000.00 -9,435,000.00 -5,685,000.00 -9,238,000.00 -1,575,000.00 -91,000.00 452,000.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
   Net Purchase/Sale of Investments Net 13,167,000.00 11,325,000.00 7,584,000.00 -2,197,000.00 4,177,000.00 2,692,000.00 1,266,000.00 -2,410,000.00 3,376,000.00 2,158,000.00 1,200,000.00 -14,261,000.00 12,716,000.00 9,343,000.00 6,166,000.00 -33,075,000.00 31,604,000.00 24,224,000.00 16,336,000.00
   Net Purchase/Sale of Business 2,412,000.00 2,412,000.00 0 -3,905,000.00 1,956,000.00 1,956,000.00 1,949,000.00 0 0 0 0 0 0 0 0 699,000.00 0 0 0
   Net Loan & Lease Activity 4,978,000.00 4,492,000.00 7,284,000.00 7,510,000.00 8,713,000.00
   Other Investing Activities -20,031,000.00 -14,366,000.00 -9,773,000.00 5,304,000.00 -6,481,000.00 -5,039,000.00 -1,830,000.00 3,459,000.00 -10,817,000.00 -6,682,000.00 -2,404,000.00 30,346,000.00 -32,996,000.00 -22,619,000.00 -13,216,000.00 26,440,000.00 -39,021,000.00 -28,191,000.00 -16,978,000.00
Financing Cash Flow -2,057,000.00 -3,337,000.00 438,000.00 8,508,000.00 -5,494,000.00 -4,620,000.00 -3,638,000.00 -5,749,000.00 2,431,000.00 3,873,000.00 3,323,000.00 -7,433,000.00 8,895,000.00 5,053,000.00 2,987,000.00 2,280,000.00 -6,543,000.00 -3,663,000.00 -1,167,000.00
   Net Issuance/Repayment of Debt 8,204,000.00 5,796,000.00 2,812,000.00 5,584,000.00 5,023,000.00 2,549,000.00 -2,475,000.00 21,000.00 7,513,000.00 5,550,000.00 2,611,000.00 -22,208,000.00 17,425,000.00 16,327,000.00 7,231,000.00 2,288,000.00 3,320,000.00 1,858,000.00 -740,000.00
   Net Issuance/Repurchase of Equity 36,000.00 35,000.00 34,000.00 -52,000.00 31,000.00 30,000.00 29,000.00 -52,000.00 29,000.00 29,000.00 27,000.00 -1,717,000.00 1,599,000.00 1,184,000.00 584,000.00 1,646,000.00 3,724,000.00 3,047,000.00 219,000.00
   Dividends Paid 368,000.00 248,000.00 128,000.00 232,000.00 363,000.00 244,000.00 125,000.00 229,000.00 360,000.00 243,000.00 124,000.00 216,000.00 381,000.00 259,000.00 132,000.00 279,000.00 266,000.00 144,000.00 73,000.00
   Other Financing Activities -10,665,000.00 -9,416,000.00 -2,536,000.00 2,744,000.00 -10,911,000.00 -7,443,000.00 -1,317,000.00 -5,947,000.00 -5,471,000.00 -1,949,000.00 561,000.00 16,276,000.00 -10,510,000.00 -12,717,000.00 -4,960,000.00 -1,933,000.00 -13,853,000.00 -8,712,000.00 -719,000.00
Net Change in Cash 224,000.00 128,000.00 37,000.00 858,000.00 1,865,000.00 685,000.00 1,201,000.00 -9,890,000.00 2,896,000.00 4,416,000.00 4,373,000.00 2,152,000.00 52,000.00 -911,000.00 -1,055,000.00 -5,043,000.00 -5,035,000.00 -2,129,000.00 457,000.00
   Cash at Beginning of Period 11,380,000.00 11,380,000.00 11,380,000.00 10,522,000.00 7,439,000.00 7,439,000.00 7,439,000.00 17,329,000.00 6,222,000.00 6,222,000.00 6,222,000.00 4,070,000.00 5,670,000.00 5,670,000.00 5,670,000.00 10,713,000.00 16,574,000.00 16,574,000.00 16,574,000.00
   Cash at End of Period 11,604,000.00 11,508,000.00 11,417,000.00 11,380,000.00 9,304,000.00 8,124,000.00 8,640,000.00 7,439,000.00 9,118,000.00 10,638,000.00 10,595,000.00 6,222,000.00 5,722,000.00 4,759,000.00 4,615,000.00 5,670,000.00 11,539,000.00 14,445,000.00 17,031,000.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0