ASRV

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 12.76 -16.18 8.95 9.41 11.59
Price to Sales 2.88 3.83 4.57 4.40 4.16
Book Value Per Common Share 19.48 17.83 18.61 20.47 18.36
Price to Book 0.14 0.18 0.21 0.19 0.17
Price to Operating Cash Flow 16.76 8.82 12.94 6.63 -38.88
Price to Free Cash Flow
Enterprise Value to EBITDA 11632.34 30653.67 20812.82 22105.42 19854.13
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 11.60 30.40 20.25 16.31 25.11 23.64 22.08 31.75 33.89 10.00 15.15 28.86 12.53 17.86 33.83
Price to Sales 4.46 7.10 11.57 3.73 4.87 10.98 4.21 6.16 15.00 5.75 8.80 17.67 5.91 9.21 19.72
Book Value Per Common Share 6.94 6.71 6.70 19.48 6.55 6.28 6.06 17.83 11.75 12.01 12.28 18.61 5.94 6.22 6.65 20.47 6.66 6.52 6.17 18.36
Price to Book 0.42 0.45 0.36 0.14 0.40 0.36 0.43 0.18 0.23 0.21 0.25 0.21 0.64 0.63 0.61 0.19 0.58 0.60 0.66 0.17
Price to Operating Cash Flow 24.68 93.54 66.94 -64.44 -85.93 -20.72 8.77 17.46 29.19 35.06 64.27 38.19 8.75 7.25 10.24
Price to Free Cash Flow
Enterprise Value to EBITDA 16678.97 28543.01 39910.11 15499.22 20650.91 43770.00 21442.71 32404.23 69880.09 43630.14 70645.52 138241.00 44240.63 64408.86 125223.80

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 7.32 51.85
Revenue YoY 7.78 -1.66 -1.54 16.73
EBITDA YoY 110.30 -44.16 8.67 10.89
Net Profit YoY -99.72 0.00 10688.38 19.66
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 150.00 -16.67 77.78 -18.18 1386.49 50.00 -11.11 1100.00 46.15 85.71 40.91 83.33
Revenue YoY 51.76 103.78 48.92 95.44 52.48 102.87 47.53 95.93 54.18 107.20
EBITDA YoY 63.24 74.92 53.86 77.50 57.67 79.60 152.11 56.20 90.84 43.90 88.25
Net Profit YoY 156.46 -14.78 50.07 78.95 -99.61 55.46 113.33 -99.71 54.76 92.47 44.76 88.49

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 2.06 1.03 1.53 2.74 1.97
Quick Ratio
Current Ratio
Debt to Equity 6.26 0.01 0.01 0.80 0.80
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 5.22 3.76 2.64 2.10 2.35 2.00 1.86 1.03 1.05 1.00 1.29 1.53 1.67 1.70 1.88 2.74 2.11 3.53 2.18 1.97
Quick Ratio
Current Ratio
Debt to Equity 11.76 12.06 11.92 6.26 11.99 12.54 12.32 0.01 12.44 11.99 11.71 0.01 12.29 11.42 10.71 0.80 10.77 11.23 11.45 0.80
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.23 1.15 1.15 0.43 0.38
ROE 1.68 1.16 1.16 0.77 0.68
Gross Margin 94.34 48.74 99.66 92.65 81.48
Operating Margin 230.15 110.39 202.92 178.15 190.91
EBITDA Margin 243.68 124.89 219.96 199.29 209.77
Net Profit Margin 23.05 8969.85 8821.33 80.51 78.53
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 0.29 0.11 0.13 0.96 0.64 0.36 0.89 0.58 0.27 0.70 0.46 0.24 0.68 0.46 0.25
ROE 3.64 1.47 1.72 12.46 8.67 4.83 12.01 7.56 3.46 9.34 5.77 2.80 7.96 5.62 3.15
Gross Margin 68.35 57.06 97.20 98.53 98.45 86.27 86.91 82.72 66.17 98.01 90.53 89.77 92.43 93.13 88.62
Operating Margin 251.42 232.22 273.11 222.30 214.54 238.17 181.73 174.55 198.42 114.73 106.59 109.59 113.09 120.55 133.12
EBITDA Margin 267.63 248.81 289.86 235.53 227.97 251.01 196.61 190.14 214.78 131.91 124.59 127.91 133.55 143.08 157.48
Net Profit Margin 38.86 23.00 54.99 114.16 113.29 123.73 112.85 110.68 105.25 84.02 80.09 81.53 80.70 85.95 94.48

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 1,557,848.00 113,310,030.00 113,262,333.00 2,815,892.00 2,685,442.00
   Deposits 1,200,995.00 1,158,360.00 1,108,537.00 1,139,378.00 1,054,920.00
      Cash and Short-Term Investments 34,680.00 17,680.00 26,240.00 46,734.00 33,602.00
            Cash and Cash Equivalents 34,330.00 9,778.00 23,062.00 35,790.00 23,112.00
            Short-Term Investments 350.00 499.00 3,178.00 10,944.00 10,490.00
      Net Receivables 5,486.00 5,529.00 60,380.00 39,946.00 38,010.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 16,878.00 14,880.00 15,090.00 14,749.00 15,094.00
      Goodwill 27,211.00 40,811.00 40,811.00 42,511.00 23,844.00
      Intangible Assets 77.00 101.00 0 0 0
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 1,412.00 2,679.00 2,789.00 0 1,572.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 1,343,352.00 1,315,838.00 1,286,103.00 1,247,234.00 1,196,931.00
      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 14,642.00 40,951.00 88,641.00 0 24,702.00
      Other Current Liabilities 0 0 0 0 0
      Long-Term Debt 0 0 0 0 0
      Other Non-Current Liabilities 0 0 0 0 0
Equity 214,496.00 111,994,192.00 111,976,230.00 1,568,658.00 1,488,511.00
   Shareholders Equity 321,744.00 305,650.00 318,534.00 349,647.00 313,197.00
      Capital Stock 268.00 268.00 267.00 267.00 267.00
      Share Premium 146,372.00 146,364.00 146,225.00 146,069.00 145,969.00
      Retained Earnings 60,482.00 58,901.00 65,486.00 60,005.00 54,641.00
      Treasury Shares 84,791.00 83,280.00 83,280.00 83,280.00 83,280.00
      Accumulated Other Comprehensive Income -30,166.00 -39,952.00 -45,040.00 -13,024.00 -26,396.00
   Minority Interest 0 0 0 0 0
Investments 87,135.00 87,744.00 671,792.00 694,775.00 644,421.00
Debt 115,095.00 165,663.00 260,538.00 83,387.00 107,412.00
Net Debt 80,415.00 147,983.00 234,298.00 36,653.00 73,810.00
Common Shares Outstanding 16,519.27 17,147.27 17,117.62 17,081.50 17,060.14
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 15,621.00 14,493.00 14,737.00 14,968.00 12,823.00
Cost Of Revenue 884.00 7,429.00 50.00 1,100.00 2,375.00
Interest Income 66,732.00 61,081.00 49,204.00 46,784.00 46,988.00
Interest Expense 30,457.00 25,434.00 9,549.00 9,384.00 12,157.00
Net Interest 9,539.00 36,020.00 40,563.00 39,083.00 36,367.00
Non-Interest Income 17,975.00 16,389.00 16,692.00 17,761.00 16,275.00
Non-Interest Expense 48,740.00 49,368.00 48,004.00 46,970.00 44,455.00
Provisions for Credit Losses 884.00 7,429.00 50.00 1,100.00 2,375.00
Gross Profit 14,737.00 7,064.00 14,687.00 13,868.00 10,448.00
   Selling, General and Administrative Expenses 14,545.00 14,633.00 12,062.00 9,980.00 9,599.00
EBT 5,494.00 -9,435.00 20,356.00 17,281.00 12,324.00
Income Tax 82.00 3,110.00 2,854.00 2,602.00 1,747.00
Net Income 3,601.00 1,300,000.00 1,300,000.00 12,050.00 10,070.00
EBIT 35,951.00 15,999.00 29,905.00 26,665.00 24,481.00
Deprecation and Amortization 2,115.00 2,102.00 2,511.00 3,164.00 2,418.00
EBITDA 38,066.00 18,101.00 32,416.00 29,829.00 26,899.00
EPS 0.00 -0.00 0.00 0.00 0.00
Diluted EPS 0.00 -0.00 0.00 0.00 0.00
Average Shares Outstanding Basic 16,802.00 17,143.00 17,107.00 17,073.00 17,053.00
Average Shares Outstanding Diluted 16,802.00 17,144.00 17,146.00 17,114.00 17,063.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 2,687.00 6,288.00 5,209.00 9,939.00 -1,373.00
   Operating Net Income 3,601.00 1,286,677.00 1,329,792.00 28,288.00 18,392.00
   Deprecation and Amortization 2,115.00 2,102.00 2,511.00 3,164.00 2,418.00
   Deferred Income Tax -34.00 -565.00 533.00 729.00 1,614.00
   Share Based Compensation 8.00 45.00 50.00 43.00 3.00
   Change in Working Capital 1,359.00 5,186.00 4,074.00 1,601.00 8,289.00
   Other Operating Activities -4,362.00 -1,287,157.00 -1,331,751.00 -23,886.00 -32,089.00
Investing Cash Flow -23,099.00 -39,994.00 -56,281.00 -488.00 -95,317.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 1,711.00 1,381.00 2,080.00 1,241.00 1,325.00
   Net Purchase/Sale of Investments Net 57,257.00 71,631.00 98,035.00 126,308.00 89,641.00
   Net Purchase/Sale of Business 0 0 0 40,431.00 0
   Net Loan & Lease Activity 332,559.00 350,667.00 440,491.00 614,623.00 513,389.00
   Other Investing Activities -414,626.00 -463,673.00 -596,887.00 -783,091.00 -699,672.00
Financing Cash Flow 24,131.00 24,771.00 32,933.00 146.00 106,026.00
   Net Issuance/Repayment of Debt 19,769.00 12,471.00 111,748.00 55,022.00 63,272.00
   Net Issuance/Repurchase of Equity 1,511.00 94.00 106.00 57.00 229.00
   Dividends Paid 2,020.00 2,058.00 1,967.00 1,708.00 1,716.00
   Other Financing Activities 831.00 10,148.00 -80,888.00 -56,641.00 40,809.00
Net Change in Cash 2,749.00 -8,560.00 -20,494.00 13,132.00 8,790.00
   Cash at Beginning of Period 14,997.00 22,587.00 43,456.00 27,969.00 0
   Cash at End of Period 17,746.00 14,027.00 22,962.00 41,101.00 0
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 1,461,494.00 1,448,733.00 1,431,524.00 1,557,848.00 1,405,187.00 1,403,438.00 1,384,516.00 113,310,030.00 1,361,789.00 1,345,721.00 1,345,957.00 113,262,333.00 1,350,048.00 1,321,402.00 1,331,265.00 2,815,892.00 1,338,886.00 1,360,583.00 1,311,412.00 2,685,442.00
   Deposits 1,258,588.00 1,244,533.00 1,216,838.00 1,200,995.00 1,189,330.00 1,170,359.00 1,176,578.00 1,158,360.00 1,129,290.00 1,127,569.00 1,131,789.00 1,108,537.00 1,152,813.00 1,142,756.00 1,140,889.00 1,139,378.00 1,144,391.00 1,168,742.00 1,117,091.00 1,054,920.00
      Cash and Short-Term Investments 86,278.00 62,081.00 43,572.00 34,680.00 39,701.00 34,182.00 31,874.00 17,680.00 18,028.00 17,086.00 22,167.00 26,240.00 28,516.00 29,032.00 32,111.00 46,734.00 35,977.00 60,237.00 37,224.00 33,602.00
            Cash and Cash Equivalents 68,430.00 45,261.00 43,395.00 34,330.00 39,355.00 33,841.00 31,537.00 9,778.00 14,430.00 13,720.00 18,051.00 23,062.00 28,516.00 29,032.00 26,238.00 35,790.00 30,182.00 57,294.00 78,819.00 23,112.00
            Short-Term Investments 17,848.00 16,820.00 177.00 350.00 346.00 341.00 337.00 499.00 492.00 478.00 465.00 3,178.00 491.00 482.00 5,873.00 10,944.00 5,795.00 2,943.00 3,405.00 10,490.00
      Net Receivables 6,021.00 5,738.00 5,817.00 5,486.00 5,827.00 5,797.00 6,098.00 5,529.00 5,650.00 4,790.00 5,090.00 60,380.00 52,115.00 29,543.00 29,176.00 39,946.00 29,168.00 28,389.00 28,583.00 38,010.00
      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 15,358.00 15,296.00 15,499.00 16,878.00 17,914.00 17,525.00 17,464.00 14,880.00 14,920.00 14,794.00 15,008.00 15,090.00 15,140.00 14,986.00 14,681.00 14,749.00 14,782.00 14,992.00 14,956.00 15,094.00
      Goodwill 13,611.00 13,611.00 13,611.00 27,211.00 13,611.00 13,611.00 13,611.00 40,811.00 13,611.00 13,611.00 13,611.00 40,811.00 13,611.00 13,611.00 13,611.00 42,511.00 15,311.00 15,311.00 11,944.00 23,844.00
      Intangible Assets 61.00 66.00 71.00 77.00 82.00 88.00 94.00 101.00 107.00 113.00 120.00 0 0 0 0 0 0 0 0 0
      Long-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Non-Current Deferred Assets 0 370.00 688.00 1,412.00 1,203.00 1,701.00 2,280.00 2,679.00 4,855.00 4,315.00 3,272.00 2,789.00 4,339.00 2,779.00 311.00 0 346.00 850.00 2,479.00 1,572.00
      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 1,346,919.00 1,337,812.00 1,320,765.00 1,343,352.00 1,297,005.00 1,299,777.00 1,280,583.00 1,315,838.00 1,260,463.00 1,242,156.00 1,240,058.00 1,286,103.00 1,248,461.00 1,215,010.00 1,217,573.00 1,247,234.00 1,225,150.00 1,249,311.00 1,206,081.00 1,196,931.00
      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 0 2,688.00 10,373.00 14,642.00 11,760.00 34,583.00 11,446.00 40,951.00 63,451.00 56,676.00 52,989.00 88,641.00 26,274.00 0 0 0 0 0 0 24,702.00
      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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      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 114,575.00 110,921.00 110,759.00 214,496.00 108,182.00 103,661.00 103,933.00 111,994,192.00 101,326.00 103,565.00 105,899.00 111,976,230.00 101,587.00 106,392.00 113,692.00 1,568,658.00 113,736.00 111,272.00 105,331.00 1,488,511.00
   Shareholders Equity 114,575.00 110,921.00 110,759.00 321,744.00 108,182.00 103,661.00 103,933.00 305,650.00 201,471.00 205,949.00 210,617.00 318,534.00 101,587.00 106,392.00 113,692.00 349,647.00 113,736.00 111,272.00 105,331.00 313,197.00
      Capital Stock 268.00 268.00 268.00 268.00 268.00 268.00 268.00 268.00 268.00 268.00 268.00 267.00 267.00 267.00 267.00 267.00 267.00 267.00 267.00 267.00
      Share Premium 146,372.00 146,372.00 146,372.00 146,372.00 146,372.00 146,372.00 146,372.00 146,364.00 146,354.00 146,343.00 146,331.00 146,225.00 146,198.00 146,175.00 146,162.00 146,069.00 146,038.00 146,025.00 145,997.00 145,969.00
      Retained Earnings 63,166.00 61,117.00 61,894.00 60,482.00 60,089.00 59,401.00 60,291.00 58,901.00 64,738.00 64,604.00 65,306.00 65,486.00 65,052.00 63,463.00 61,996.00 60,005.00 58,581.00 57,577.00 56,295.00 54,641.00
      Treasury Shares 84,791.00 84,791.00 84,791.00 84,791.00 84,791.00 84,791.00 83,280.00 83,280.00 83,280.00 83,280.00 83,280.00 83,280.00 83,280.00 83,280.00 83,280.00 83,280.00 83,280.00 83,280.00 83,280.00 83,280.00
      Accumulated Other Comprehensive Income -20,880.00 -24,090.00 -25,968.00 -30,166.00 -27,512.00 -35,178.00 -39,436.00 -39,952.00 -53,508.00 -48,740.00 -45,452.00 -45,040.00 -53,300.00 -40,466.00 -22,906.00 -13,024.00 -15,740.00 -18,634.00 -27,896.00 -26,396.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 17,848.00 16,820.00 96,026.00 87,135.00 88,757.00 86,905.00 87,821.00 87,744.00 80,136.00 81,014.00 83,231.00 671,792.00 648,034.00 634,762.00 617,312.00 694,775.00 594,738.00 607,576.00 568,207.00 644,421.00
Debt 30,809.00 33,579.00 41,280.00 115,095.00 44,224.00 67,121.00 44,055.00 165,663.00 93,524.00 86,521.00 82,895.00 260,538.00 56,347.00 30,139.00 30,116.00 83,387.00 30,258.00 24,258.00 24,323.00 107,412.00
Net Debt 0 0 0 80,415.00 4,523.00 32,939.00 12,181.00 147,983.00 75,496.00 69,435.00 60,728.00 234,298.00 27,831.00 1,107.00 0 36,653.00 0 0 0 73,810.00
Common Shares Outstanding 16,519.27 16,519.27 16,519.27 16,519.27 16,519.27 16,519.27 17,147.27 17,147.27 17,147.27 17,147.27 17,147.27 17,117.62 17,112.62 17,109.10 17,109.08 17,081.50 17,075.00 17,075.00 17,069.00 17,060.14
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 10,731.00 7,071.00 3,470.00 -8,179.00 11,811.00 7,931.00 4,058.00 -6,842.00 10,780.00 7,070.00 3,485.00 -8,130.00 11,299.00 7,659.00 3,909.00 -7,053.00 11,226.00 7,281.00 3,514.00
Cost Of Revenue 3,396.00 3,036.00 97.00 30.00 174.00 123.00 557.00 3,617.00 1,411.00 1,222.00 1,179.00 -1,300.00 225.00 725.00 400.00 -650.00 850.00 500.00 400.00
Interest Income 21,862.00 14,386.00 7,091.00 12,463.00 22,933.00 15,112.00 16,224.00 -27,838.00 44,892.00 29,453.00 14,574.00 -19,634.00 35,255.00 22,555.00 11,028.00 -23,571.00 34,979.00 23,607.00 11,769.00
Interest Expense 21,862.00 14,386.00 7,091.00 -14,866.00 22,933.00 15,112.00 7,278.00 -7,477.00 17,181.00 10,702.00 5,028.00 789.00 4,835.00 2,664.00 1,261.00 -2,935.00 6,194.00 4,048.00 2,077.00
Net Interest 21,862.00 14,386.00 7,091.00 -37,253.00 22,933.00 15,112.00 8,747.00 -19,565.00 27,431.00 18,632.00 9,522.00 -19,515.00 30,420.00 19,891.00 9,767.00 -18,953.00 28,785.00 19,559.00 9,692.00
Non-Interest Income 12,618.00 8,217.00 4,121.00 -9,813.00 13,522.00 9,319.00 4,947.00 -12,112.00 13,625.00 9,369.00 5,507.00 -8,915.00 12,799.00 8,473.00 4,335.00 -9,295.00 13,429.00 9,013.00 4,614.00
Non-Interest Expense 35,436.00 23,472.00 11,763.00 -25,167.00 36,882.00 25,161.00 11,864.00 -24,970.00 37,235.00 25,140.00 11,963.00 -22,380.00 35,316.00 23,589.00 11,479.00 -22,541.00 34,863.00 23,343.00 11,305.00
Provisions for Credit Losses 3,396.00 3,036.00 -97.00 1,738.00 -174.00 -123.00 -557.00 3,617.00 1,411.00 1,222.00 1,179.00 1,400.00 -225.00 -725.00 -400.00 -650.00 850.00 500.00 400.00
Gross Profit 7,335.00 4,035.00 3,373.00 -8,209.00 11,637.00 7,808.00 3,501.00 -10,459.00 9,369.00 5,848.00 2,306.00 -6,830.00 11,074.00 6,934.00 3,509.00 -6,403.00 10,376.00 6,781.00 3,114.00
   Selling, General and Administrative Expenses 9,733.00 6,638.00 3,300.00 -7,962.00 11,176.00 7,889.00 3,442.00 -8,238.00 11,332.00 7,863.00 3,676.00 -3,873.00 8,129.00 5,253.00 2,553.00 -4,933.00 7,477.00 4,971.00 2,465.00
EBT 5,118.00 2,034.00 2,386.00 -2,119.00 3,323.00 1,903.00 2,387.00 -15,371.00 2,410.00 1,639.00 1,887.00 3,705.00 8,128.00 5,500.00 3,023.00 3,450.00 6,501.00 4,729.00 2,601.00
Income Tax 965.00 417.00 482.00 -1,474.00 652.00 379.00 525.00 1,909.00 488.00 336.00 377.00 -479.00 1,627.00 1,101.00 605.00 -139.00 1,281.00 940.00 520.00
Net Income 4,170.00 1,626.00 1,908.00 -23,889.00 13,484.00 8,985.00 5,021.00 1,276,342.00 12,165.00 7,825.00 3,668.00 1,281,186.00 9,493.00 6,134.00 3,187.00 -6,587.00 9,059.00 6,258.00 3,320.00
EBIT 26,980.00 16,420.00 9,477.00 -16,985.00 26,256.00 17,015.00 9,665.00 -22,848.00 19,591.00 12,341.00 6,915.00 4,494.00 12,963.00 8,164.00 4,284.00 515.00 12,695.00 8,777.00 4,678.00
Deprecation and Amortization 1,739.00 1,173.00 581.00 -1,033.00 1,562.00 1,065.00 521.00 -1,174.00 1,604.00 1,102.00 570.00 -1,525.00 1,942.00 1,378.00 716.00 -1,630.00 2,297.00 1,641.00 856.00
EBITDA 28,719.00 17,593.00 10,058.00 -18,018.00 27,818.00 18,080.00 10,186.00 -24,022.00 21,195.00 13,443.00 7,485.00 2,969.00 14,905.00 9,542.00 5,000.00 -1,115.00 14,992.00 10,418.00 5,534.00
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 0.00 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 0.00 0.00 0.00
Average Shares Outstanding Basic 16,519.27 16,519.00 16,519.00 16,075.00 16,897.00 17,089.00 17,147.00 17,160.00 17,142.00 17,139.00 17,131.00 17,127.00 17,105.00 17,102.00 17,094.00 17,089.00 17,071.00 17,068.00 17,064.00
Average Shares Outstanding Diluted 16,519.27 16,519.00 16,519.00 16,075.00 16,897.00 17,089.00 17,147.00 17,127.00 17,146.00 17,148.00 17,155.00 17,144.00 17,146.00 17,148.00 17,146.00 17,127.00 17,114.00 17,114.00 17,101.00
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 1,941.00 537.00 599.00 5,974.00 -685.00 -450.00 -2,152.00 -3,174.00 5,178.00 2,494.00 1,790.00 498.00 1,854.00 1,048.00 1,809.00 -13,654.00 7,579.00 9,251.00 6,763.00
   Operating Net Income 4,170.00 1,626.00 1,908.00 -14,178.00 7,830.00 4,551.00 5,398.00 1,272,845.00 5,529.00 3,796.00 4,507.00 1,289,838.00 19,503.00 13,197.00 7,254.00 -4,982.00 15,660.00 11,367.00 6,243.00
   Deprecation and Amortization 1,739.00 1,173.00 581.00 -1,033.00 1,562.00 1,065.00 521.00 -1,174.00 1,604.00 1,102.00 570.00 -1,525.00 1,942.00 1,378.00 716.00 -1,630.00 2,297.00 1,641.00 856.00
   Deferred Income Tax 593.00 234.00 167.00 -531.00 -177.00 344.00 330.00 -490.00 -166.00 -257.00 348.00 -1,112.00 601.00 455.00 589.00 -1,705.00 1,023.00 905.00 506.00
   Share Based Compensation 0 0 0 -16.00 8.00 8.00 8.00 -26.00 35.00 24.00 12.00 -27.00 38.00 26.00 13.00 -8.00 30.00 17.00 4.00
   Change in Working Capital 6,980.00 6,355.00 1,273.00 -4,168.00 1,279.00 2,361.00 1,887.00 -1,529.00 2,919.00 2,293.00 1,503.00 -3,792.00 5,147.00 2,305.00 414.00 -3,106.00 4,089.00 560.00 58.00
   Other Operating Activities -11,541.00 -8,851.00 -3,330.00 25,900.00 -11,187.00 -8,779.00 -10,296.00 -1,272,800.00 -4,743.00 -4,464.00 -5,150.00 -1,282,884.00 -25,377.00 -16,313.00 -7,177.00 -2,223.00 -15,520.00 -5,239.00 -904.00
Investing Cash Flow 786.00 -16,616.00 -2,438.00 -31,253.00 155.00 -4,559.00 12,558.00 -56,698.00 -6,437.00 9,235.00 13,906.00 -3,587.00 -38,574.00 -6,964.00 -7,156.00 45,822.00 -8,630.00 -9,463.00 -28,217.00
   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 647.00 141.00 0 -2,034.00 1,949.00 1,158.00 638.00 -628.00 1,010.00 623.00 376.00 -946.00 1,621.00 1,033.00 372.00 -516.00 834.00 625.00 298.00
   Net Purchase/Sale of Investments Net 78,502.00 48,982.00 23,421.00 -11,333.00 34,845.00 21,602.00 12,143.00 8,654.00 34,387.00 19,274.00 9,316.00 -68,125.00 79,994.00 55,773.00 30,393.00 -98,464.00 100,987.00 81,561.00 42,224.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -40,431.00 40,431.00 40,431.00 0
   Net Loan & Lease Activity 332,559.00 350,667.00 440,491.00 614,623.00 513,389.00
   Other Investing Activities -68,964.00 -69,786.00 -97,161.00 163,409.00 -291,000.00 -194,374.00 -92,661.00 122,106.00 -310,320.00 -186,355.00 -89,104.00 282,070.00 -452,083.00 -294,400.00 -132,474.00 473,163.00 -593,434.00 -439,483.00 -223,337.00
Financing Cash Flow 33,291.00 23,366.00 7,723.00 13,135.00 8,619.00 9,365.00 -6,988.00 62,542.00 -3,675.00 -17,605.00 -16,491.00 18,594.00 24,135.00 -6,153.00 -3,643.00 -61,497.00 5,524.00 28,945.00 27,174.00
   Net Issuance/Repayment of Debt -2,651.00 -1,910.00 903.00 9,740.00 11,261.00 15,883.00 -17,115.00 29,894.00 8,469.00 -6,365.00 -19,527.00 57,603.00 40,568.00 8,733.00 4,844.00 54,203.00 23,387.00 -7,758.00 -14,810.00
   Net Issuance/Repurchase of Equity 0 0 0 -1,511.00 1,511.00 1,511.00 0 -188.00 94.00 94.00 94.00 -145.00 91.00 80.00 80.00 -45.00 39.00 39.00 24.00
   Dividends Paid 1,486.00 991.00 496.00 -1,047.00 1,524.00 1,029.00 514.00 -1,027.00 1,542.00 1,029.00 514.00 -855.00 1,454.00 941.00 427.00 -852.00 1,280.00 853.00 427.00
   Other Financing Activities 34,456.00 24,285.00 6,324.00 5,953.00 -5,677.00 -9,058.00 9,613.00 33,863.00 -13,780.00 -12,363.00 2,428.00 -38,009.00 -17,978.00 -15,907.00 -8,994.00 -114,803.00 -19,182.00 35,811.00 41,533.00
Net Change in Cash 36,018.00 7,287.00 5,884.00 -13,114.00 8,089.00 4,356.00 3,418.00 3,045.00 -4,934.00 -5,876.00 -795.00 13,150.00 -12,585.00 -12,069.00 -8,990.00 -25,794.00 4,473.00 28,733.00 5,720.00
   Cash at Beginning of Period 17,746.00 17,746.00 17,746.00 30,860.00 14,027.00 14,027.00 14,027.00 10,982.00 22,962.00 22,962.00 22,962.00 9,812.00 41,101.00 41,101.00 41,101.00 66,895.00 31,504.00 0 0
   Cash at End of Period 53,764.00 25,033.00 23,630.00 17,746.00 22,116.00 18,383.00 17,445.00 14,027.00 18,028.00 17,086.00 22,167.00 22,962.00 28,516.00 29,032.00 32,111.00 41,101.00 35,977.00 0 0
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0