AXP
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 21.14 | 16.68 | 14.98 | 16.29 | |
| Price to Sales | 3.20 | 2.28 | 2.10 | 3.05 | |
| Book Value Per Common Share | 124.50 | 112.17 | 95.45 | 83.56 | 82.06 |
| Price to Book | 2.38 | 1.67 | 1.55 | 1.96 | |
| Price to Operating Cash Flow | 9.72 | 5.73 | 4.20 | 5.63 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 35474.83 | 28030.77 | 29862.88 | 33825.14 |
| 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 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 27.98 | 41.27 | 73.91 | 24.68 | 30.91 | 68.17 | 17.35 | 32.87 | 68.44 | 17.34 | 26.15 | 68.50 | 21.37 | 29.77 | 51.62 | |||||
| Price to Sales | 4.35 | 6.41 | 11.12 | 3.98 | 5.17 | 10.39 | 2.46 | 4.40 | 8.58 | 2.62 | 4.16 | 12.06 | 4.41 | 6.86 | 12.55 | |||||
| Book Value Per Common Share | 89.38 | 88.18 | 84.22 | 124.50 | 79.86 | 78.48 | 75.62 | 112.17 | 70.61 | 68.37 | 65.78 | 95.45 | 59.58 | 57.69 | 55.36 | 83.56 | 58.98 | 60.40 | 57.29 | 82.06 |
| Price to Book | 3.72 | 3.62 | 3.19 | 2.38 | 3.40 | 2.95 | 3.01 | 1.67 | 2.11 | 2.55 | 2.51 | 1.55 | 2.26 | 2.40 | 3.38 | 1.96 | 2.84 | 2.74 | 2.47 | |
| Price to Operating Cash Flow | 15.07 | 24.46 | 39.59 | 23.44 | 16.49 | 29.57 | 9.34 | 36.40 | -325.09 | 8.02 | 12.86 | 36.48 | 13.84 | 24.25 | 49.88 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 125785.77 | 188412.20 | 329202.71 | 108478.62 | 139522.58 | 295442.46 | 76963.33 | 145625.76 | 306387.84 | 96179.78 | 152869.03 | 411497.20 | 122382.48 | 176959.46 | 300698.70 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 25.02 | 13.89 | -1.79 | 470.45 | |
| Revenue YoY | 8.98 | 14.48 | 24.73 | 17.44 | |
| EBITDA YoY | 21.54 | 31.44 | -0.13 | 160.27 | |
| Net Profit YoY | 20.96 | 11.45 | -6.77 | 157.10 |
| 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 | 53.56 | 112.36 | 46.73 | 124.25 | 62.26 | 119.92 | 46.79 | 94.14 | 41.26 | 102.55 | ||||||||||
| Revenue YoY | 52.91 | 105.24 | 51.77 | 103.37 | 52.43 | 105.41 | 53.94 | 114.15 | 56.60 | 113.01 | ||||||||||
| EBITDA YoY | 54.41 | 105.67 | -75.91 | 48.95 | 113.25 | -74.09 | 60.51 | 120.10 | -75.07 | 53.86 | 98.48 | -77.02 | 42.93 | 97.27 | ||||||
| Net Profit YoY | 53.06 | 111.65 | 45.98 | 123.72 | 61.43 | 119.71 | 46.25 | 93.57 | 40.44 | 102.01 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 124.40 | 139.92 | 101.22 | 62.61 | 95.53 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.84 | 0.85 | 0.85 | 0.82 | 0.83 |
| 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 | 156.98 | 165.53 | 149.81 | 126.17 | 134.04 | 147.34 | 150.38 | 142.25 | 118.99 | 115.95 | 109.92 | 102.31 | 82.93 | 69.61 | 73.13 | 64.91 | 70.14 | 76.80 | 100.20 | 95.53 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 8.18 | 8.15 | 8.05 | 0.84 | 8.12 | 8.22 | 0.81 | 0.85 | 0.80 | 0.80 | 0.80 | 0.85 | 0.80 | 0.80 | 0.79 | 0.82 | 0.77 | 0.76 | 0.78 | 0.83 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 1.66 | 1.43 | 1.46 | 1.90 | 0.72 |
| ROE | 3.05 | 2.64 | 2.71 | 3.45 | 1.32 |
| Gross Margin | 76.41 | 91.86 | 95.87 | 93.30 | 86.89 |
| Operating Margin | 86.52 | 77.13 | 66.47 | 82.86 | 34.92 |
| EBITDA Margin | 89.06 | 79.85 | 69.55 | 86.86 | 39.19 |
| Net Profit Margin | 15.36 | 13.84 | 14.21 | 19.02 | 8.69 |
| 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 | 2.81 | 1.85 | 0.92 | 2.94 | 2.00 | 0.45 | 1.28 | 0.81 | 0.38 | 1.38 | 0.99 | 0.54 | 1.72 | 1.21 | 0.58 | |||||
| ROE | 25.82 | 16.93 | 8.28 | 26.79 | 18.46 | 0.82 | 2.31 | 1.47 | 0.69 | 2.49 | 1.78 | 0.96 | 3.04 | 2.12 | 1.03 | |||||
| Gross Margin | 77.89 | 77.46 | 79.05 | 92.02 | 92.10 | 91.97 | 92.20 | 92.32 | 92.61 | 97.01 | 98.50 | 99.44 | 90.26 | 86.73 | 85.11 | |||||
| Operating Margin | 31.70 | 31.37 | 31.21 | 33.53 | 34.25 | 32.60 | 28.85 | 27.28 | 25.21 | 23.96 | 23.94 | 25.85 | 31.00 | 34.27 | 37.01 | |||||
| EBITDA Margin | 34.17 | 33.84 | 33.77 | 36.09 | 36.77 | 35.07 | 31.60 | 30.01 | 28.01 | 27.08 | 27.10 | 29.24 | 35.22 | 38.59 | 41.67 | |||||
| Net Profit Margin | 15.72 | 15.71 | 15.23 | 16.32 | 16.97 | 15.42 | 14.40 | 13.60 | 12.72 | 15.36 | 16.17 | 17.89 | 20.97 | 23.39 | 24.66 |
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 | 611,141,000.00 | 586,860,000.00 | 513,400,000.00 | 424,725,000.00 | 433,776,000.00 |
| Deposits | 139,413,000.00 | 129,144,000.00 | 110,239,000.00 | 84,382,000.00 | 86,875,000.00 |
| Cash and Short-Term Investments | 88,573,000.00 | 102,844,000.00 | 76,016,000.00 | 49,397,000.00 | 76,898,000.00 |
| Cash and Cash Equivalents | 88,352,000.00 | 102,678,000.00 | 75,709,000.00 | 49,209,000.00 | 76,741,000.00 |
| Short-Term Investments | 221,000.00 | 166,000.00 | 307,000.00 | 188,000.00 | 157,000.00 |
| Net Receivables | 203,031,000.00 | 188,074,000.00 | 166,958,000.00 | 141,697,000.00 | 114,077,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 6,175,000.00 | 5,138,000.00 | 5,215,000.00 | 4,988,000.00 | 5,015,000.00 |
| Goodwill | 4,187,000.00 | 3,851,000.00 | 3,786,000.00 | 3,804,000.00 | 3,852,000.00 |
| Intangible Assets | 642,000.00 | 717,000.00 | 720,000.00 | 733,000.00 | 759,000.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 279,152,000.00 | 269,746,000.00 | 235,978,000.00 | 191,371,000.00 | 196,808,000.00 |
| Payables and Expenses | 2,676,000.00 | 2,567,000.00 | 2,530,000.00 | 2,528,000.00 | 2,336,000.00 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 2,676,000.00 | 2,567,000.00 | 2,530,000.00 | 2,528,000.00 | 2,336,000.00 |
| Short-Term Debt | 1,374,000.00 | 1,293,000.00 | 1,348,000.00 | 2,243,000.00 | 1,878,000.00 |
| 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 | 331,989,000.00 | 317,114,000.00 | 277,422,000.00 | 233,354,000.00 | 236,968,000.00 |
| Shareholders Equity | 87,397,000.00 | 81,099,000.00 | 70,923,000.00 | 63,586,000.00 | 66,057,000.00 |
| Capital Stock | 141,000.00 | 145,000.00 | 149,000.00 | 153,000.00 | 161,000.00 |
| Share Premium | 11,370,000.00 | 11,372,000.00 | 11,493,000.00 | 11,495,000.00 | 11,881,000.00 |
| Retained Earnings | 22,148,000.00 | 19,612,000.00 | 16,279,000.00 | 13,474,000.00 | 13,837,000.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -3,395,000.00 | -3,072,000.00 | -3,210,000.00 | -4,738,000.00 | -4,328,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 221,000.00 | 166,000.00 | 307,000.00 | 188,000.00 | 157,000.00 |
| Debt | 201,181,000.00 | 193,655,000.00 | 172,593,000.00 | 156,680,000.00 | 168,246,000.00 |
| Net Debt | 112,608,000.00 | 90,811,000.00 | 96,577,000.00 | 107,283,000.00 | 91,348,000.00 |
| Common Shares Outstanding | 702,000.00 | 723,000.00 | 743,000.00 | 761,000.00 | 805,000.00 |
| Preferred Shares Outstanding | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 65,949,000.00 | 60,515,000.00 | 52,862,000.00 | 42,380,000.00 | 36,087,000.00 |
| Cost Of Revenue | 15,555,000.00 | 4,923,000.00 | 2,182,000.00 | 2,838,000.00 | 4,730,000.00 |
| Interest Income | 49,534,000.00 | 41,652,000.00 | 26,026,000.00 | 18,245,000.00 | 20,521,000.00 |
| Interest Expense | 18,373,000.00 | 15,134,000.00 | 6,383,000.00 | 3,048,000.00 | 4,826,000.00 |
| Net Interest | 15,543,000.00 | 13,134,000.00 | 9,895,000.00 | 7,750,000.00 | 7,985,000.00 |
| Non-Interest Income | 151,608,000.00 | 142,550,000.00 | 129,289,000.00 | 104,233,000.00 | 56,684,000.00 |
| Non-Interest Expense | 96,597,000.00 | 45,974,000.00 | 41,875,000.00 | 33,815,000.00 | 27,956,000.00 |
| Provisions for Credit Losses | 15,555,000.00 | 4,923,000.00 | 2,182,000.00 | -2,838,000.00 | 4,730,000.00 |
| Gross Profit | 50,394,000.00 | 55,592,000.00 | 50,680,000.00 | 39,542,000.00 | 31,357,000.00 |
| Selling, General and Administrative Expenses | 17,966,000.00 | 10,870,000.00 | 10,401,000.00 | 9,053,000.00 | 6,747,000.00 |
| EBT | 38,685,000.00 | 31,539,000.00 | 28,755,000.00 | 32,067,000.00 | 7,774,000.00 |
| Income Tax | 2,640,000.00 | 1,976,000.00 | 1,827,000.00 | 2,381,000.00 | 925,000.00 |
| Net Income | 10,129,000.00 | 8,374,000.00 | 7,514,000.00 | 8,060,000.00 | 3,135,000.00 |
| EBIT | 57,058,000.00 | 46,673,000.00 | 35,138,000.00 | 35,115,000.00 | 12,600,000.00 |
| Deprecation and Amortization | 1,676,000.00 | 1,651,000.00 | 1,626,000.00 | 1,695,000.00 | 1,543,000.00 |
| EBITDA | 58,734,000.00 | 48,324,000.00 | 36,764,000.00 | 36,810,000.00 | 14,143,000.00 |
| EPS | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Diluted EPS | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Average Shares Outstanding Basic | 712,000.00 | 735,000.00 | 751,000.00 | 789,000.00 | 805,000.00 |
| Average Shares Outstanding Diluted | 713,000.00 | 736,000.00 | 752,000.00 | 790,000.00 | 806,000.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 21,737,000.00 | 24,042,000.00 | 26,397,000.00 | 22,942,000.00 | 8,421,000.00 |
| Operating Net Income | 30,387,000.00 | 25,122,000.00 | 22,542,000.00 | 24,180,000.00 | 12,543,000.00 |
| Deprecation and Amortization | 1,676,000.00 | 1,651,000.00 | 1,626,000.00 | 1,695,000.00 | 1,543,000.00 |
| Deferred Income Tax | -990,000.00 | -1,329,000.00 | -1,189,000.00 | 294,000.00 | -939,000.00 |
| Share Based Compensation | 504,000.00 | 450,000.00 | 375,000.00 | 330,000.00 | 249,000.00 |
| Change in Working Capital | -17,000.00 | 2,573,000.00 | -202,000.00 | -1,362,000.00 | 1,785,000.00 |
| Other Operating Activities | -9,823,000.00 | -4,425,000.00 | 3,245,000.00 | -2,195,000.00 | -6,760,000.00 |
| Investing Cash Flow | -27,901,000.00 | -27,269,000.00 | -38,540,000.00 | -10,765,000.00 | 23,088,000.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 1,911,000.00 | 1,563,000.00 | 1,855,000.00 | 1,550,000.00 | 1,478,000.00 |
| Net Purchase/Sale of Investments Net | 3,814,000.00 | 5,462,000.00 | 6,093,000.00 | 21,611,000.00 | 27,581,000.00 |
| Net Purchase/Sale of Business | 1,048,000.00 | 64,000.00 | 15,000.00 | -1,000.00 | 597,000.00 |
| Net Loan & Lease Activity | 0 | 0 | 29,562,000.00 | 27,557,000.00 | -26,906,000.00 |
| Other Investing Activities | -34,674,000.00 | -34,358,000.00 | -76,065,000.00 | -61,482,000.00 | 20,338,000.00 |
| Financing Cash Flow | -2,111,000.00 | 17,196,000.00 | 26,889,000.00 | -28,621,000.00 | -16,816,000.00 |
| Net Issuance/Repayment of Debt | 39,940,000.00 | 41,991,000.00 | 60,307,000.00 | 27,911,000.00 | 13,035,000.00 |
| Net Issuance/Repurchase of Equity | 18,140,000.00 | 10,856,000.00 | 10,416,000.00 | 6,496,000.00 | 44,000.00 |
| Dividends Paid | 1,999,000.00 | 1,780,000.00 | 1,565,000.00 | 1,448,000.00 | 1,474,000.00 |
| Other Financing Activities | -62,190,000.00 | -37,431,000.00 | -45,399,000.00 | -64,476,000.00 | -31,369,000.00 |
| Net Change in Cash | -8,315,000.00 | 14,146,000.00 | 14,733,000.00 | -16,564,000.00 | 15,057,000.00 |
| Cash at Beginning of Period | 48,955,000.00 | 32,450,000.00 | 19,181,000.00 | 38,592,000.00 | 17,908,000.00 |
| Cash at End of Period | 40,640,000.00 | 46,596,000.00 | 33,914,000.00 | 22,028,000.00 | 32,965,000.00 |
| 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 | 297,550,000.00 | 295,556,000.00 | 282,244,000.00 | 611,141,000.00 | 270,979,000.00 | 272,219,000.00 | 538,261,000.00 | 586,860,000.00 | 501,587,000.00 | 489,904,000.00 | 471,842,000.00 | 513,400,000.00 | 429,915,000.00 | 410,298,000.00 | 391,862,000.00 | 424,725,000.00 | 368,261,000.00 | 373,973,000.00 | 386,067,000.00 | 433,776,000.00 |
| Deposits | 149,883,000.00 | 149,386,000.00 | 146,396,000.00 | 139,413,000.00 | 135,438,000.00 | 133,746,000.00 | 134,418,000.00 | 129,144,000.00 | 124,439,000.00 | 122,756,000.00 | 120,806,000.00 | 110,239,000.00 | 103,463,000.00 | 96,411,000.00 | 90,917,000.00 | 84,382,000.00 | 84,326,000.00 | 84,905,000.00 | 89,193,000.00 | 86,875,000.00 |
| Cash and Short-Term Investments | 109,412,000.00 | 115,874,000.00 | 105,016,000.00 | 88,573,000.00 | 95,836,000.00 | 105,790,000.00 | 108,426,000.00 | 102,844,000.00 | 87,816,000.00 | 85,916,000.00 | 81,672,000.00 | 76,016,000.00 | 62,364,000.00 | 52,554,000.00 | 55,356,000.00 | 49,397,000.00 | 55,832,000.00 | 61,592,000.00 | 80,560,000.00 | 76,898,000.00 |
| Cash and Cash Equivalents | 108,141,000.00 | 115,677,000.00 | 104,755,000.00 | 88,352,000.00 | 95,716,000.00 | 105,602,000.00 | 108,357,000.00 | 102,678,000.00 | 87,732,000.00 | 85,206,000.00 | 81,465,000.00 | 75,709,000.00 | 61,361,000.00 | 51,872,000.00 | 53,585,000.00 | 49,209,000.00 | 55,724,000.00 | 60,169,000.00 | 80,347,000.00 | 76,741,000.00 |
| Short-Term Investments | 1,271,000.00 | 197,000.00 | 261,000.00 | 221,000.00 | 120,000.00 | 188,000.00 | 69,000.00 | 166,000.00 | 84,000.00 | 710,000.00 | 207,000.00 | 307,000.00 | 1,003,000.00 | 682,000.00 | 1,771,000.00 | 188,000.00 | 108,000.00 | 1,423,000.00 | 213,000.00 | 157,000.00 |
| Net Receivables | 212,424,000.00 | 208,149,000.00 | 202,176,000.00 | 203,031,000.00 | 196,152,000.00 | 193,032,000.00 | 188,437,000.00 | 188,074,000.00 | 178,391,000.00 | 174,458,000.00 | 168,086,000.00 | 166,958,000.00 | 155,632,000.00 | 152,323,000.00 | 142,203,000.00 | 141,697,000.00 | 124,614,000.00 | 121,441,000.00 | 109,566,000.00 | 114,077,000.00 |
| 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 | 5,861,000.00 | 5,662,000.00 | 5,383,000.00 | 6,175,000.00 | 5,308,000.00 | 5,247,000.00 | 5,138,000.00 | 5,138,000.00 | 5,124,000.00 | 5,177,000.00 | 5,204,000.00 | 5,215,000.00 | 5,095,000.00 | 5,093,000.00 | 5,046,000.00 | 4,988,000.00 | 4,960,000.00 | 4,891,000.00 | 4,943,000.00 | 5,015,000.00 |
| Goodwill | 0 | 0 | 0 | 4,187,000.00 | 0 | 0 | 0 | 3,851,000.00 | 0 | 0 | 0 | 3,786,000.00 | 0 | 0 | 0 | 3,804,000.00 | 0 | 0 | 0 | 3,852,000.00 |
| Intangible Assets | 0 | 0 | 0 | 642,000.00 | 0 | 0 | 0 | 717,000.00 | 0 | 0 | 0 | 720,000.00 | 0 | 0 | 0 | 733,000.00 | 0 | 0 | 0 | 759,000.00 |
| 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 | 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 | 265,133,000.00 | 263,245,000.00 | 251,042,000.00 | 279,152,000.00 | 241,272,000.00 | 242,679,000.00 | 240,497,000.00 | 269,746,000.00 | 223,263,000.00 | 218,201,000.00 | 209,850,000.00 | 235,978,000.00 | 190,975,000.00 | 182,063,000.00 | 173,479,000.00 | 191,371,000.00 | 159,835,000.00 | 161,434,000.00 | 168,618,000.00 | 196,808,000.00 |
| Payables and Expenses | 0 | 0 | 0 | 2,676,000.00 | 0 | 0 | 0 | 2,567,000.00 | 0 | 0 | 0 | 2,530,000.00 | 0 | 0 | 0 | 2,528,000.00 | 0 | 0 | 0 | 2,336,000.00 |
| 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 | 2,676,000.00 | 0 | 0 | 0 | 2,567,000.00 | 0 | 0 | 0 | 2,530,000.00 | 0 | 0 | 0 | 2,528,000.00 | 0 | 0 | 0 | 2,336,000.00 |
| Short-Term Debt | 1,446,000.00 | 1,493,000.00 | 1,559,000.00 | 1,374,000.00 | 1,457,000.00 | 1,639,000.00 | 1,742,000.00 | 1,293,000.00 | 1,613,000.00 | 1,583,000.00 | 1,724,000.00 | 1,348,000.00 | 1,515,000.00 | 1,984,000.00 | 2,122,000.00 | 2,243,000.00 | 2,253,000.00 | 1,864,000.00 | 1,578,000.00 | 1,878,000.00 |
| 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 | 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 | 32,417,000.00 | 32,311,000.00 | 31,202,000.00 | 331,989,000.00 | 29,707,000.00 | 29,540,000.00 | 297,764,000.00 | 317,114,000.00 | 278,324,000.00 | 271,703,000.00 | 261,992,000.00 | 277,422,000.00 | 238,940,000.00 | 228,235,000.00 | 218,383,000.00 | 233,354,000.00 | 208,426,000.00 | 212,539,000.00 | 217,449,000.00 | 236,968,000.00 |
| Shareholders Equity | 61,585,000.00 | 61,374,000.00 | 59,038,000.00 | 87,397,000.00 | 56,219,000.00 | 55,880,000.00 | 54,373,000.00 | 81,099,000.00 | 51,472,000.00 | 50,322,000.00 | 48,878,000.00 | 70,923,000.00 | 44,503,000.00 | 43,327,000.00 | 41,793,000.00 | 63,586,000.00 | 45,889,000.00 | 48,197,000.00 | 46,000,000.00 | 66,057,000.00 |
| Capital Stock | 138,000.00 | 140,000.00 | 140,000.00 | 141,000.00 | 141,000.00 | 143,000.00 | 144,000.00 | 145,000.00 | 146,000.00 | 148,000.00 | 149,000.00 | 149,000.00 | 150,000.00 | 151,000.00 | 151,000.00 | 153,000.00 | 156,000.00 | 160,000.00 | 161,000.00 | 161,000.00 |
| Share Premium | 11,059,000.00 | 11,052,000.00 | 11,037,000.00 | 11,370,000.00 | 11,295,000.00 | 11,332,000.00 | 11,354,000.00 | 11,372,000.00 | 11,401,000.00 | 11,509,000.00 | 11,522,000.00 | 11,493,000.00 | 11,482,000.00 | 11,476,000.00 | 11,451,000.00 | 11,495,000.00 | 12,401,000.00 | 11,858,000.00 | 11,878,000.00 | 11,881,000.00 |
| Retained Earnings | 24,469,000.00 | 24,367,000.00 | 23,391,000.00 | 22,148,000.00 | 21,466,000.00 | 21,265,000.00 | 20,421,000.00 | 19,612,000.00 | 18,953,000.00 | 18,130,000.00 | 17,427,000.00 | 16,279,000.00 | 15,685,000.00 | 14,751,000.00 | 13,754,000.00 | 13,474,000.00 | 14,832,000.00 | 16,402,000.00 | 15,308,000.00 | 13,837,000.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -3,249,000.00 | -3,248,000.00 | -3,366,000.00 | -3,395,000.00 | -3,195,000.00 | -3,200,000.00 | -3,155,000.00 | -3,072,000.00 | -3,176,000.00 | -3,084,000.00 | -3,106,000.00 | -3,210,000.00 | -3,377,000.00 | -3,143,000.00 | -2,973,000.00 | -4,738,000.00 | -4,552,000.00 | -4,370,000.00 | -4,386,000.00 | -4,328,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1,271,000.00 | 197,000.00 | 261,000.00 | 221,000.00 | 120,000.00 | 188,000.00 | 69,000.00 | 166,000.00 | 84,000.00 | 710,000.00 | 207,000.00 | 307,000.00 | 1,003,000.00 | 682,000.00 | 1,771,000.00 | 188,000.00 | 108,000.00 | 1,423,000.00 | 213,000.00 | 157,000.00 |
| Debt | 73,252,000.00 | 75,969,000.00 | 66,824,000.00 | 201,181,000.00 | 71,629,000.00 | 68,586,000.00 | 63,997,000.00 | 193,655,000.00 | 61,483,000.00 | 63,097,000.00 | 54,527,000.00 | 172,593,000.00 | 56,352,000.00 | 54,447,000.00 | 52,247,000.00 | 156,680,000.00 | 45,795,000.00 | 51,093,000.00 | 56,360,000.00 | 168,246,000.00 |
| Net Debt | 0 | 0 | 0 | 112,608,000.00 | 0 | 0 | 0 | 90,811,000.00 | 0 | 0 | 0 | 96,577,000.00 | 0 | 1,893,000.00 | 0 | 107,283,000.00 | 0 | 0 | 0 | 91,348,000.00 |
| Common Shares Outstanding | 689,000.00 | 696,000.00 | 701,000.00 | 702,000.00 | 704,000.00 | 712,000.00 | 719,000.00 | 723,000.00 | 729,000.00 | 736,000.00 | 743,000.00 | 743,000.00 | 747,000.00 | 751,000.00 | 755,000.00 | 761,000.00 | 778,000.00 | 798,000.00 | 803,000.00 | 805,000.00 |
| Preferred Shares Outstanding | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 1.60 | 2.35 | 1.60 | 1.60 | 1.60 |
| 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 | 53,249,000.00 | 34,823,000.00 | 16,967,000.00 | -30,756,000.00 | 48,770,000.00 | 32,134,000.00 | 15,801,000.00 | -27,817,000.00 | 44,716,000.00 | 29,335,000.00 | 14,281,000.00 | -22,689,000.00 | 38,686,000.00 | 25,130,000.00 | 11,735,000.00 | -16,226,000.00 | 30,235,000.00 | 19,307,000.00 | 9,064,000.00 |
| Cost Of Revenue | 11,771,000.00 | 7,848,000.00 | 3,555,000.00 | 7,856,000.00 | 3,893,000.00 | 2,537,000.00 | 1,269,000.00 | -1,871,000.00 | 3,486,000.00 | 2,253,000.00 | 1,055,000.00 | 584,000.00 | 1,155,000.00 | 377,000.00 | 66,000.00 | -4,018,000.00 | 2,944,000.00 | 2,562,000.00 | 1,350,000.00 |
| Interest Income | 38,078,000.00 | 24,829,000.00 | 12,284,000.00 | -20,733,000.00 | 35,504,000.00 | 23,188,000.00 | 11,575,000.00 | -14,615,000.00 | 28,959,000.00 | 18,446,000.00 | 8,862,000.00 | -7,148,000.00 | 17,448,000.00 | 10,673,000.00 | 5,053,000.00 | -8,207,000.00 | 13,332,000.00 | 8,712,000.00 | 4,408,000.00 |
| Interest Expense | 6,174,000.00 | 4,043,000.00 | 1,966,000.00 | 6,084,000.00 | 6,213,000.00 | 4,070,000.00 | 2,006,000.00 | 5,697,000.00 | 4,901,000.00 | 3,103,000.00 | 1,433,000.00 | 3,746,000.00 | 1,556,000.00 | 760,000.00 | 321,000.00 | 1,011,000.00 | 991,000.00 | 684,000.00 | 362,000.00 |
| Net Interest | 12,842,000.00 | 8,356,000.00 | 4,169,000.00 | -7,230,000.00 | 11,505,000.00 | 7,499,000.00 | 3,769,000.00 | -5,467,000.00 | 9,530,000.00 | 6,088,000.00 | 2,983,000.00 | -4,000,000.00 | 7,137,000.00 | 4,559,000.00 | 2,199,000.00 | -3,370,000.00 | 5,642,000.00 | 3,648,000.00 | 1,830,000.00 |
| Non-Interest Income | 121,221,000.00 | 79,401,000.00 | 38,394,000.00 | -70,188,000.00 | 111,795,000.00 | 73,905,000.00 | 36,096,000.00 | -66,643,000.00 | 105,558,000.00 | 69,741,000.00 | 33,894,000.00 | -55,679,000.00 | 94,647,000.00 | 61,713,000.00 | 28,608,000.00 | -38,225,000.00 | 73,779,000.00 | 46,977,000.00 | 21,702,000.00 |
| Non-Interest Expense | 38,702,000.00 | 25,388,000.00 | 12,487,000.00 | 27,810,000.00 | 34,738,000.00 | 22,662,000.00 | 11,387,000.00 | -20,495,000.00 | 33,229,000.00 | 22,181,000.00 | 11,059,000.00 | -16,496,000.00 | 29,817,000.00 | 19,498,000.00 | 9,056,000.00 | -10,910,000.00 | 23,324,000.00 | 14,655,000.00 | 6,746,000.00 |
| Provisions for Credit Losses | 11,771,000.00 | 7,848,000.00 | 3,555,000.00 | 7,856,000.00 | 3,893,000.00 | 2,537,000.00 | 1,269,000.00 | -1,871,000.00 | 3,486,000.00 | 2,253,000.00 | 1,055,000.00 | 716,000.00 | 1,155,000.00 | 377,000.00 | -66,000.00 | 4,018,000.00 | -2,944,000.00 | -2,562,000.00 | -1,350,000.00 |
| Gross Profit | 41,478,000.00 | 26,975,000.00 | 13,412,000.00 | -38,612,000.00 | 44,877,000.00 | 29,597,000.00 | 14,532,000.00 | -25,946,000.00 | 41,230,000.00 | 27,082,000.00 | 13,226,000.00 | -23,273,000.00 | 37,531,000.00 | 24,753,000.00 | 11,669,000.00 | -12,208,000.00 | 27,291,000.00 | 16,745,000.00 | 7,714,000.00 |
| Selling, General and Administrative Expenses | 14,009,000.00 | 9,200,000.00 | 4,501,000.00 | 648,000.00 | 8,675,000.00 | 5,775,000.00 | 2,868,000.00 | -5,553,000.00 | 8,159,000.00 | 5,530,000.00 | 2,734,000.00 | -4,864,000.00 | 7,825,000.00 | 5,173,000.00 | 2,267,000.00 | -3,038,000.00 | 6,340,000.00 | 3,985,000.00 | 1,766,000.00 |
| EBT | 10,705,000.00 | 6,880,000.00 | 3,330,000.00 | 18,466,000.00 | 10,139,000.00 | 6,935,000.00 | 3,145,000.00 | 16,470,000.00 | 8,001,000.00 | 4,901,000.00 | 2,167,000.00 | 13,074,000.00 | 7,714,000.00 | 5,255,000.00 | 2,712,000.00 | 14,758,000.00 | 8,383,000.00 | 5,933,000.00 | 2,993,000.00 |
| Income Tax | 2,334,000.00 | 1,411,000.00 | 746,000.00 | -1,731,000.00 | 2,180,000.00 | 1,483,000.00 | 708,000.00 | -846,000.00 | 1,560,000.00 | 911,000.00 | 351,000.00 | -1,750,000.00 | 1,772,000.00 | 1,192,000.00 | 613,000.00 | -1,837,000.00 | 2,042,000.00 | 1,418,000.00 | 758,000.00 |
| Net Income | 8,371,000.00 | 5,469,000.00 | 2,584,000.00 | -5,719,000.00 | 7,959,000.00 | 5,452,000.00 | 2,437,000.00 | -3,873,000.00 | 6,441,000.00 | 3,990,000.00 | 1,816,000.00 | -4,590,000.00 | 5,942,000.00 | 4,063,000.00 | 2,099,000.00 | -5,031,000.00 | 6,341,000.00 | 4,515,000.00 | 2,235,000.00 |
| EBIT | 16,879,000.00 | 10,923,000.00 | 5,296,000.00 | 24,550,000.00 | 16,352,000.00 | 11,005,000.00 | 5,151,000.00 | 22,167,000.00 | 12,902,000.00 | 8,004,000.00 | 3,600,000.00 | 16,820,000.00 | 9,270,000.00 | 6,015,000.00 | 3,033,000.00 | 15,769,000.00 | 9,374,000.00 | 6,617,000.00 | 3,355,000.00 |
| Deprecation and Amortization | 1,315,000.00 | 860,000.00 | 433,000.00 | -773,000.00 | 1,248,000.00 | 811,000.00 | 390,000.00 | -778,000.00 | 1,229,000.00 | 800,000.00 | 400,000.00 | -775,000.00 | 1,208,000.00 | 795,000.00 | 398,000.00 | -837,000.00 | 1,276,000.00 | 834,000.00 | 422,000.00 |
| EBITDA | 18,194,000.00 | 11,783,000.00 | 5,729,000.00 | 23,777,000.00 | 17,600,000.00 | 11,816,000.00 | 5,541,000.00 | 21,389,000.00 | 14,131,000.00 | 8,804,000.00 | 4,000,000.00 | 16,045,000.00 | 10,478,000.00 | 6,810,000.00 | 3,431,000.00 | 14,932,000.00 | 10,650,000.00 | 7,451,000.00 | 3,777,000.00 |
| EPS | 0.01 | 0.01 | 0.00 | -0.00 | 0.01 | 0.01 | 0.00 | -0.00 | 0.01 | 0.01 | 0.00 | -0.00 | 0.01 | 0.01 | 0.00 | -0.00 | 0.01 | 0.01 | 0.00 |
| Diluted EPS | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
| Average Shares Outstanding Basic | 697,000.00 | 700,000.00 | 701,000.00 | 694,000.00 | 715,000.00 | 718,000.00 | 721,000.00 | 718,000.00 | 738,000.00 | 741,000.00 | 743,000.00 | 740,000.00 | 752,000.00 | 755,000.00 | 757,000.00 | 754,000.00 | 796,000.00 | 802,000.00 | 804,000.00 |
| Average Shares Outstanding Diluted | 698,000.00 | 701,000.00 | 702,000.00 | 695,000.00 | 716,000.00 | 719,000.00 | 722,000.00 | 719,000.00 | 739,000.00 | 742,000.00 | 744,000.00 | 741,000.00 | 753,000.00 | 756,000.00 | 758,000.00 | 755,000.00 | 797,000.00 | 803,000.00 | 805,000.00 |
| 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 | 15,361,000.00 | 9,128,000.00 | 4,764,000.00 | -2,171,000.00 | 8,272,000.00 | 10,084,000.00 | 5,552,000.00 | 9,083,000.00 | 11,790,000.00 | 3,546,000.00 | -377,000.00 | 1,731,000.00 | 12,647,000.00 | 8,139,000.00 | 3,880,000.00 | 5,560,000.00 | 9,637,000.00 | 5,465,000.00 | 2,280,000.00 |
| Operating Net Income | 8,371,000.00 | 5,469,000.00 | 2,584,000.00 | 14,539,000.00 | 7,959,000.00 | 5,452,000.00 | 2,437,000.00 | 12,875,000.00 | 6,441,000.00 | 3,990,000.00 | 1,816,000.00 | 10,438,000.00 | 5,942,000.00 | 4,063,000.00 | 2,099,000.00 | 11,089,000.00 | 6,341,000.00 | 4,515,000.00 | 2,235,000.00 |
| Deprecation and Amortization | 1,315,000.00 | 860,000.00 | 433,000.00 | -773,000.00 | 1,248,000.00 | 811,000.00 | 390,000.00 | -778,000.00 | 1,229,000.00 | 800,000.00 | 400,000.00 | -775,000.00 | 1,208,000.00 | 795,000.00 | 398,000.00 | -837,000.00 | 1,276,000.00 | 834,000.00 | 422,000.00 |
| Deferred Income Tax | -642,000.00 | -385,000.00 | 0 | -990,000.00 | 0 | 0 | 0 | -1,329,000.00 | 0 | 0 | 0 | -1,189,000.00 | 0 | 0 | 0 | 294,000.00 | 0 | 0 | 0 |
| Share Based Compensation | 410,000.00 | 285,000.00 | 158,000.00 | -345,000.00 | 393,000.00 | 280,000.00 | 176,000.00 | -279,000.00 | 341,000.00 | 248,000.00 | 140,000.00 | -227,000.00 | 282,000.00 | 198,000.00 | 122,000.00 | -207,000.00 | 256,000.00 | 183,000.00 | 98,000.00 |
| Change in Working Capital | 1,333,000.00 | 1,152,000.00 | 2,000.00 | -1,476,000.00 | 1,139,000.00 | 381,000.00 | -61,000.00 | -1,165,000.00 | 1,937,000.00 | 1,415,000.00 | 386,000.00 | -444,000.00 | 340,000.00 | 156,000.00 | -254,000.00 | 260,000.00 | -863,000.00 | -282,000.00 | -477,000.00 |
| Other Operating Activities | 4,574,000.00 | 1,747,000.00 | 1,587,000.00 | -13,126,000.00 | -2,467,000.00 | 3,160,000.00 | 2,610,000.00 | -241,000.00 | 1,842,000.00 | -2,907,000.00 | -3,119,000.00 | -6,072,000.00 | 4,875,000.00 | 2,927,000.00 | 1,515,000.00 | -5,039,000.00 | 2,627,000.00 | 215,000.00 | 2,000.00 |
| Investing Cash Flow | -12,944,000.00 | -6,346,000.00 | 451,000.00 | -3,965,000.00 | -12,157,000.00 | -8,635,000.00 | -3,144,000.00 | -266,000.00 | -16,264,000.00 | -9,335,000.00 | -1,404,000.00 | 2,544,000.00 | -22,915,000.00 | -15,392,000.00 | -2,777,000.00 | -18,341,000.00 | 793,000.00 | 2,009,000.00 | 4,774,000.00 |
| 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 | 1,703,000.00 | 1,049,000.00 | 430,000.00 | -862,000.00 | 1,416,000.00 | 961,000.00 | 396,000.00 | -670,000.00 | 1,137,000.00 | 736,000.00 | 360,000.00 | -833,000.00 | 1,342,000.00 | 899,000.00 | 447,000.00 | -457,000.00 | 1,079,000.00 | 609,000.00 | 319,000.00 |
| Net Purchase/Sale of Investments Net | 2,232,000.00 | 1,357,000.00 | 524,000.00 | -2,324,000.00 | 3,120,000.00 | 2,327,000.00 | 691,000.00 | -280,000.00 | 2,745,000.00 | 1,820,000.00 | 1,177,000.00 | -6,441,000.00 | 5,653,000.00 | 3,770,000.00 | 3,111,000.00 | -3,907,000.00 | 14,018,000.00 | 10,544,000.00 | 956,000.00 |
| Net Purchase/Sale of Business | 633,000.00 | 633,000.00 | 0 | 948,000.00 | 684,000.00 | -584,000.00 | 0 | -128,000.00 | 64,000.00 | 64,000.00 | 64,000.00 | -15,000.00 | 15,000.00 | 15,000.00 | 0 | -1,000.00 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 0 | 0 | 29,562,000.00 | 27,557,000.00 | -26,906,000.00 | ||||||||||||||
| Other Investing Activities | -17,512,000.00 | -9,385,000.00 | -503,000.00 | -1,727,000.00 | -17,377,000.00 | -11,339,000.00 | -4,231,000.00 | 2,415,000.00 | -20,210,000.00 | -11,955,000.00 | -4,608,000.00 | 13,403,000.00 | -49,356,000.00 | -32,992,000.00 | -7,120,000.00 | -30,332,000.00 | -24,094,000.00 | -15,424,000.00 | 8,368,000.00 |
| Financing Cash Flow | 11,364,000.00 | 14,321,000.00 | 6,643,000.00 | -17,354,000.00 | 5,206,000.00 | 4,856,000.00 | 5,181,000.00 | -20,339,000.00 | 14,312,000.00 | 14,626,000.00 | 8,597,000.00 | -7,795,000.00 | 18,933,000.00 | 11,218,000.00 | 4,533,000.00 | -4,368,000.00 | -15,298,000.00 | -9,416,000.00 | 461,000.00 |
| Net Issuance/Repayment of Debt | 37,272,000.00 | 23,812,000.00 | 8,433,000.00 | 3,272,000.00 | 20,046,000.00 | 12,509,000.00 | 4,113,000.00 | 2,548,000.00 | 22,687,000.00 | 12,016,000.00 | 4,740,000.00 | -16,206,000.00 | 36,851,000.00 | 27,176,000.00 | 12,486,000.00 | 13,275,000.00 | 8,713,000.00 | 5,444,000.00 | 479,000.00 |
| Net Issuance/Repurchase of Equity | 4,963,000.00 | 2,586,000.00 | 1,230,000.00 | 8,681,000.00 | 5,038,000.00 | 3,100,000.00 | 1,321,000.00 | 6,379,000.00 | 2,772,000.00 | 1,371,000.00 | 334,000.00 | 3,566,000.00 | 2,916,000.00 | 2,315,000.00 | 1,619,000.00 | 3,932,000.00 | 2,488,000.00 | 45,000.00 | 31,000.00 |
| Dividends Paid | 1,688,000.00 | 1,102,000.00 | 509,000.00 | -915,000.00 | 1,489,000.00 | 973,000.00 | 452,000.00 | -818,000.00 | 1,326,000.00 | 867,000.00 | 405,000.00 | -693,000.00 | 1,160,000.00 | 753,000.00 | 345,000.00 | -729,000.00 | 1,090,000.00 | 724,000.00 | 363,000.00 |
| Other Financing Activities | -32,559,000.00 | -13,179,000.00 | -3,529,000.00 | -28,392,000.00 | -21,367,000.00 | -11,726,000.00 | -705,000.00 | -28,448,000.00 | -12,473,000.00 | 372,000.00 | 3,118,000.00 | 5,538,000.00 | -21,994,000.00 | -19,026,000.00 | -9,917,000.00 | -20,846,000.00 | -27,589,000.00 | -15,629,000.00 | -412,000.00 |
| Net Change in Cash | 14,066,000.00 | 17,297,000.00 | 11,868,000.00 | -23,553,000.00 | 1,322,000.00 | 6,299,000.00 | 7,617,000.00 | -11,814,000.00 | 9,994,000.00 | 9,044,000.00 | 6,922,000.00 | -4,320,000.00 | 9,154,000.00 | 4,249,000.00 | 5,650,000.00 | -16,661,000.00 | -5,049,000.00 | -2,169,000.00 | 7,315,000.00 |
| Cash at Beginning of Period | 40,640,000.00 | 40,640,000.00 | 40,640,000.00 | 64,193,000.00 | 46,596,000.00 | 46,596,000.00 | 46,596,000.00 | 58,410,000.00 | 33,914,000.00 | 33,914,000.00 | 33,914,000.00 | 38,234,000.00 | 22,028,000.00 | 22,028,000.00 | 22,028,000.00 | 38,689,000.00 | 32,965,000.00 | 32,965,000.00 | 32,965,000.00 |
| Cash at End of Period | 54,706,000.00 | 57,937,000.00 | 52,508,000.00 | 40,640,000.00 | 47,918,000.00 | 52,895,000.00 | 54,213,000.00 | 46,596,000.00 | 43,908,000.00 | 42,958,000.00 | 40,836,000.00 | 33,914,000.00 | 31,182,000.00 | 26,277,000.00 | 27,678,000.00 | 22,028,000.00 | 27,916,000.00 | 30,796,000.00 | 40,280,000.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |