BHB
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 10.69 | 9.92 | 11.05 | 11.00 | 10.36 |
| Price to Sales | 16.41 | 15.25 | 13.94 | ||
| Book Value Per Common Share | 86.63 | 85.43 | 78.26 | 84.30 | 80.94 |
| Price to Book | 0.35 | 0.34 | 0.41 | 0.34 | 0.28 |
| Price to Operating Cash Flow | 5.61 | 7.10 | 6.34 | 6.68 | 7.64 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 34933.18 | 37414.41 | 67078.85 | 65002.51 | 46363.74 |
| 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 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 18.92 | 28.26 | 44.03 | 14.41 | 20.06 | 40.12 | 10.23 | 30.76 | 12.81 | 19.74 | 46.92 | 14.24 | 23.08 | 46.70 | |||
| Price to Sales | 17.92 | 26.14 | 58.29 | 19.91 | 31.24 | 66.20 | |||||||||||
| Book Value Per Common Share | 60.03 | 58.02 | 57.83 | 86.63 | 30.12 | 28.81 | 28.64 | 85.43 | 26.67 | 27.00 | 78.26 | 25.28 | 26.22 | 27.11 | 27.97 | 27.80 | 27.16 |
| Price to Book | 0.51 | 0.52 | 0.51 | 0.35 | 1.02 | 0.93 | 0.92 | 0.34 | 0.89 | 0.98 | 0.41 | 1.05 | 0.99 | 1.06 | 1.00 | 1.03 | 1.08 |
| Price to Operating Cash Flow | 15.29 | 31.45 | 48.44 | 12.01 | 26.19 | 47.26 | 11.45 | 23.03 | 9.84 | 19.86 | 69.28 | 13.64 | 33.11 | 71.37 | |||
| Price to Free Cash Flow | |||||||||||||||||
| Enterprise Value to EBITDA | 56125.46 | 77596.52 | 141245.72 | 48365.04 | 64482.44 | 130018.36 | 41943.54 | 150737.85 | 83865.12 | 130916.81 | 311817.09 | 84695.04 | 128567.54 | 266867.80 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -3.38 | 2.07 | 10.27 | 20.64 | |
| Revenue YoY | 3.43 | 14.92 | |||
| EBITDA YoY | 12.34 | 65.26 | 8.15 | -10.32 | |
| Net Profit YoY | -2.92 | 2.97 | 10.83 | 18.21 |
| 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 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 51.89 | 58.21 | 59.70 | 103.03 | -71.43 | 168.60 | 58.02 | 114.75 | 58.87 | 96.83 | |||||||
| Revenue YoY | 49.71 | 101.56 | 53.91 | 106.36 | |||||||||||||
| EBITDA YoY | 53.10 | 84.92 | 53.32 | 104.96 | -63.72 | 221.73 | 60.25 | 115.26 | 48.88 | 102.14 | |||||||
| Net Profit YoY | 54.32 | 59.66 | 59.91 | 101.60 | -71.08 | 168.27 | 58.27 | 115.27 | 59.59 | 95.20 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 9.94 | 13.05 | 12.76 | 33.63 | 30.35 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 3.76 | 3.80 | 4.12 | 3.59 | 3.73 |
| 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 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 8.75 | 5.68 | 5.76 | 9.91 | 5.33 | 6.69 | 5.02 | 13.02 | 8.11 | 5.47 | 12.73 | 5.46 | 4.47 | 7.40 | 22.81 | 11.62 | 14.97 |
| Quick Ratio | |||||||||||||||||
| Current Ratio | |||||||||||||||||
| Debt to Equity | 8.06 | 7.77 | 7.69 | 3.76 | 7.76 | 8.19 | 8.09 | 3.80 | 8.86 | 8.62 | 4.12 | 9.11 | 8.44 | 8.07 | 7.93 | 7.76 | 8.20 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.95 | 1.00 | 1.00 | 0.94 | 0.79 |
| ROE | 4.51 | 4.82 | 5.11 | 4.30 | 3.74 |
| Gross Margin | |||||
| Operating Margin | 240.67 | 234.20 | 294.99 | ||
| EBITDA Margin | 245.35 | 234.64 | 300.67 | ||
| Net Profit Margin | 148.33 | 138.42 | 134.56 |
| 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 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.53 | 0.40 | 0.25 | 0.81 | 0.50 | 0.26 | 0.88 | 0.33 | 0.81 | 0.53 | 0.25 | 0.79 | 0.51 | 0.25 | |||
| ROE | 4.83 | 3.48 | 2.19 | 7.08 | 4.64 | 2.32 | 8.64 | 3.19 | 8.17 | 4.98 | 2.24 | 7.06 | 4.45 | 2.34 | |||
| Gross Margin | |||||||||||||||||
| Operating Margin | 209.67 | 195.61 | 183.76 | 233.55 | 234.84 | 247.59 | |||||||||||
| EBITDA Margin | 213.71 | 199.65 | 186.95 | 235.08 | 243.03 | 248.10 | |||||||||||
| Net Profit Margin | 139.60 | 132.04 | 123.64 | 140.12 | 135.13 | 142.86 |
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 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | |||||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 4,589,855.00 | 4,469,164.00 | 4,368,985.00 | 4,199,589.00 | 4,203,838.00 |
| Deposits | 7,535,946.00 | 7,674,792.00 | 6,364,311.00 | 6,706,200.00 | 7,355,555.00 |
| Cash and Short-Term Investments | 151,451.00 | 197,534.00 | 191,940.00 | 503,350.00 | 462,755.00 |
| Cash and Cash Equivalents | 151,451.00 | 197,534.00 | 191,940.00 | 503,350.00 | 462,755.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 1,235.00 | 2,189.00 | 0 | 10,923.00 | 23,988.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 60,627.00 | 55,946.00 | 56,465.00 | 59,448.00 | 63,552.00 |
| Goodwill | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 |
| Intangible Assets | 3,938.00 | 4,869.00 | 5,801.00 | 6,733.00 | 7,670.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 23,330.00 | 22,979.00 | 24,443.00 | 5,547.00 | 1,745.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 3,624,899.00 | 3,538,826.00 | 3,516,353.00 | 3,285,086.00 | 3,314,421.00 |
| 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 | 249,712.00 | 270,765.00 | 331,369.00 | 94,802.00 | 93,455.00 |
| 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 | 964,956.00 | 930,338.00 | 852,632.00 | 914,503.00 | 889,417.00 |
| Shareholders Equity | 1,323,748.00 | 1,296,177.00 | 1,180,350.00 | 1,261,957.00 | 1,234,023.00 |
| Capital Stock | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 |
| Share Premium | 194,607.00 | 193,114.00 | 191,922.00 | 190,876.00 | 190,084.00 |
| Retained Earnings | 297,857.00 | 272,101.00 | 243,815.00 | 215,592.00 | 195,607.00 |
| Treasury Shares | 15,357.00 | 16,151.00 | 16,804.00 | 17,481.00 | 18,223.00 |
| Accumulated Other Comprehensive Income | -51,536.00 | -149,586.00 | -175,020.00 | 6,909.00 | 33,048.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 533,255.00 | 547,362.00 | 3,776,127.00 | 4,184,694.00 | 4,058,942.00 |
| Debt | 290,601.00 | 331,505.00 | 394,246.00 | 178,524.00 | 336,023.00 |
| Net Debt | 139,150.00 | 133,971.00 | 202,306.00 | 0 | 0 |
| Common Shares Outstanding | 15,279.78 | 15,172.13 | 15,082.69 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 0 | 0 | 29,364.00 | 28,391.00 | 24,705.00 |
| Interest Income | 213,602.00 | 198,944.00 | 145,255.00 | 126,372.00 | 145,123.00 |
| Interest Expense | 78,606.00 | 60,198.00 | 15,826.00 | 17,863.00 | 29,674.00 |
| Net Interest | 113,839.00 | 117,675.00 | 113,681.00 | 95,573.00 | 99,180.00 |
| Non-Interest Income | 165,446.00 | 160,045.00 | 35,374.00 | 45,131.00 | 53,253.00 |
| Non-Interest Expense | 102,839.00 | 99,313.00 | 96,436.00 | 95,963.00 | 99,325.00 |
| Selling, General and Administrative Expenses | 17,983.00 | 21,563.00 | 21,628.00 | 20,565.00 | 21,088.00 |
| EBT | 52,614.00 | 57,117.00 | 54,845.00 | 48,628.00 | 43,203.00 |
| Income Tax | 6,864.00 | 10,288.00 | 9,591.00 | 8,260.00 | 9,076.00 |
| Net Income | 43,544.00 | 44,852.00 | 43,557.00 | 39,299.00 | 33,244.00 |
| EBIT | 131,220.00 | 117,315.00 | 70,671.00 | 66,491.00 | 72,877.00 |
| Deprecation and Amortization | 2,541.00 | 1,748.00 | 1,374.00 | 125.00 | 1,404.00 |
| EBITDA | 133,761.00 | 119,063.00 | 72,045.00 | 66,616.00 | 74,281.00 |
| 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 | 15,240.00 | 15,142.00 | 15,040.00 | 14,969.00 | 15,246.00 |
| Average Shares Outstanding Diluted | 15,311.00 | 15,195.00 | 15,112.00 | 15,045.00 | 15,272.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 83,142.00 | 62,624.00 | 75,990.00 | 64,847.00 | 45,104.00 |
| Operating Net Income | 43,544.00 | 44,852.00 | 43,557.00 | 39,299.00 | 33,244.00 |
| Deprecation and Amortization | 2,541.00 | 1,748.00 | 1,374.00 | 125.00 | 1,404.00 |
| Deferred Income Tax | -366.00 | -686.00 | -707.00 | 427.00 | -38.00 |
| Share Based Compensation | 3,292.00 | 2,650.00 | 1,938.00 | 2,149.00 | 1,570.00 |
| Change in Working Capital | -389.00 | 7,188.00 | 1,839.00 | 462.00 | 2,728.00 |
| Other Operating Activities | 34,520.00 | 6,872.00 | 27,989.00 | 22,385.00 | 6,196.00 |
| Investing Cash Flow | -137,878.00 | -62,290.00 | -410,580.00 | -6,062.00 | 142,747.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 7,396.00 | 6,946.00 | 2,518.00 | 1,716.00 | 6,776.00 |
| Net Purchase/Sale of Investments Net | 117,887.00 | 49,705.00 | 189,889.00 | 453,870.00 | 522,801.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 340.00 |
| Net Loan & Lease Activity | 147,343.00 | 0 | 604.00 | 608.00 | -53,400.00 |
| Other Investing Activities | -410,504.00 | -118,941.00 | -603,591.00 | -462,256.00 | -333,770.00 |
| Financing Cash Flow | 31,333.00 | 2,713.00 | 181,274.00 | -42,572.00 | -37,236.00 |
| Net Issuance/Repayment of Debt | 0 | 2,317.00 | 13,587.00 | 151,046.00 | 209,332.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 14,808.00 |
| Dividends Paid | 17,788.00 | 16,566.00 | 15,334.00 | 14,072.00 | 13,417.00 |
| Other Financing Activities | 13,545.00 | -16,170.00 | 152,353.00 | -207,690.00 | -274,793.00 |
| Net Change in Cash | -23,403.00 | 3,047.00 | -153,316.00 | 16,213.00 | 150,615.00 |
| Cash at Beginning of Period | 95,565.00 | 91,795.00 | 245,611.00 | 234,176.00 | 75,392.00 |
| Cash at End of Period | 72,162.00 | 94,842.00 | 92,295.00 | 250,389.00 | 226,007.00 |
| 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 | 2023-03-31 | 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 | 4,717,252.00 | 4,112,005.00 | 4,063,226.00 | 4,589,855.00 | 4,029,927.00 | 4,034,200.00 | 3,958,975.00 | 4,469,164.00 | 3,983,941.00 | 3,928,478.00 | 4,368,985.00 | 3,840,246.00 | 3,715,757.00 | 3,692,070.00 | 4,199,589.00 | 3,738,345.00 | 3,639,675.00 | 3,730,230.00 | 4,203,838.00 |
| Deposits | 9,006,745.00 | 7,778,138.00 | 7,699,523.00 | 7,535,946.00 | 7,451,881.00 | 7,234,534.00 | 7,136,878.00 | 7,674,792.00 | 7,623,183.00 | 6,666,352.00 | 6,364,311.00 | 6,565,508.00 | 6,558,728.00 | 6,607,995.00 | 6,706,200.00 | 5,350,135.00 | 5,045,348.00 | 5,238,197.00 | 7,355,555.00 |
| Cash and Short-Term Investments | 136,714.00 | 87,035.00 | 88,131.00 | 151,451.00 | 81,220.00 | 101,836.00 | 76,219.00 | 197,534.00 | 122,816.00 | 82,702.00 | 191,940.00 | 82,065.00 | 67,116.00 | 111,049.00 | 503,350.00 | 341,199.00 | 173,718.00 | 223,512.00 | 462,755.00 |
| Cash and Cash Equivalents | 136,714.00 | 87,035.00 | 88,131.00 | 151,451.00 | 81,220.00 | 101,836.00 | 76,219.00 | 197,534.00 | 122,816.00 | 82,702.00 | 191,940.00 | 82,065.00 | 67,116.00 | 111,049.00 | 503,350.00 | 341,199.00 | 173,718.00 | 223,512.00 | 462,755.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 5,545.00 | 2,829.00 | 1,515.00 | 1,235.00 | 1,272.00 | 3,897.00 | 3,137.00 | 2,189.00 | 2,016.00 | 463.00 | 0 | 982.00 | 3,539.00 | 5,743.00 | 10,923.00 | 15,005.00 | 15,842.00 | 20,248.00 | 23,988.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 68,388.00 | 52,647.00 | 51,659.00 | 60,627.00 | 51,644.00 | 51,628.00 | 47,849.00 | 55,946.00 | 47,790.00 | 47,549.00 | 56,465.00 | 56,391.00 | 57,031.00 | 57,870.00 | 59,448.00 | 59,558.00 | 60,892.00 | 62,309.00 | 63,552.00 |
| Goodwill | 141,819.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 | 119,477.00 |
| Intangible Assets | 16,989.00 | 3,472.00 | 3,705.00 | 3,938.00 | 4,171.00 | 4,404.00 | 4,637.00 | 4,869.00 | 5,102.00 | 5,568.00 | 5,801.00 | 6,034.00 | 6,267.00 | 6,500.00 | 6,733.00 | 6,966.00 | 7,198.00 | 7,431.00 | 7,670.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 31,721.00 | 23,290.00 | 23,298.00 | 23,330.00 | 20,923.00 | 24,750.00 | 23,849.00 | 22,979.00 | 28,328.00 | 22,858.00 | 24,443.00 | 25,288.00 | 18,405.00 | 12,614.00 | 5,547.00 | 5,811.00 | 4,349.00 | 5,639.00 | 1,745.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 4,196,297.00 | 3,643,145.00 | 3,595,915.00 | 3,624,899.00 | 3,570,011.00 | 3,595,293.00 | 3,523,261.00 | 3,538,826.00 | 3,579,733.00 | 3,520,068.00 | 3,516,353.00 | 3,460,281.00 | 3,322,160.00 | 3,285,071.00 | 3,285,086.00 | 3,319,910.00 | 3,224,103.00 | 3,324,649.00 | 3,314,421.00 |
| Payables and Expenses | 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 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 57,615.00 | 256,177.00 | 199,716.00 | 249,712.00 | 185,936.00 | 329,076.00 | 269,161.00 | 270,765.00 | 304,489.00 | 335,659.00 | 331,369.00 | 186,166.00 | 114,754.00 | 94,943.00 | 94,802.00 | 96,667.00 | 97,389.00 | 109,605.00 | 93,455.00 |
| Other Current Liabilities | 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 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 520,955.00 | 468,860.00 | 467,311.00 | 964,956.00 | 459,916.00 | 438,907.00 | 435,714.00 | 930,338.00 | 404,208.00 | 408,410.00 | 852,632.00 | 379,965.00 | 393,597.00 | 406,999.00 | 914,503.00 | 418,435.00 | 415,572.00 | 405,581.00 | 889,417.00 |
| Shareholders Equity | 1,001,885.00 | 888,911.00 | 885,798.00 | 1,323,748.00 | 459,916.00 | 438,907.00 | 435,714.00 | 1,296,177.00 | 404,208.00 | 408,410.00 | 1,180,350.00 | 379,965.00 | 393,597.00 | 406,999.00 | 1,261,957.00 | 418,435.00 | 415,572.00 | 405,581.00 | 1,234,023.00 |
| Capital Stock | 35,470.00 | 32,769.00 | 32,769.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 | 32,857.00 |
| Share Premium | 232,827.00 | 195,798.00 | 194,776.00 | 194,607.00 | 194,189.00 | 193,486.00 | 193,246.00 | 193,114.00 | 192,673.00 | 192,261.00 | 191,922.00 | 191,438.00 | 191,346.00 | 191,766.00 | 190,876.00 | 190,892.00 | 190,801.00 | 190,564.00 | 190,084.00 |
| Retained Earnings | 307,986.00 | 304,500.00 | 303,448.00 | 297,857.00 | 291,392.00 | 283,729.00 | 277,991.00 | 272,101.00 | 266,365.00 | 252,884.00 | 243,815.00 | 235,218.00 | 227,698.00 | 221,101.00 | 215,592.00 | 209,426.00 | 201,994.00 | 196,561.00 | 195,607.00 |
| Treasury Shares | 15,303.00 | 15,398.00 | 14,858.00 | 15,357.00 | 15,437.00 | 15,678.00 | 15,812.00 | 16,151.00 | 16,287.00 | 16,441.00 | 16,804.00 | 16,959.00 | 17,333.00 | 17,370.00 | 17,481.00 | 17,628.00 | 17,774.00 | 17,865.00 | 18,223.00 |
| Accumulated Other Comprehensive Income | -40,025.00 | -48,809.00 | -48,824.00 | -51,536.00 | -129,255.00 | -166,461.00 | -157,704.00 | -149,586.00 | -214,200.00 | -159,453.00 | -175,020.00 | -187,767.00 | -122,913.00 | -64,065.00 | 6,909.00 | 8,664.00 | 23,082.00 | 10,392.00 | 33,048.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 407,356.00 | 334,325.00 | 316,842.00 | 533,255.00 | 543,492.00 | 527,683.00 | 537,563.00 | 547,362.00 | 524,287.00 | 572,758.00 | 3,776,127.00 | 3,730,413.00 | 3,927,218.00 | 4,051,998.00 | 4,184,694.00 | 3,771,032.00 | 4,312,459.00 | 4,349,384.00 | 4,058,942.00 |
| Debt | 192,185.00 | 297,061.00 | 240,602.00 | 290,601.00 | 246,787.00 | 389,890.00 | 329,938.00 | 331,505.00 | 367,492.00 | 398,574.00 | 394,246.00 | 249,005.00 | 177,553.00 | 178,703.00 | 178,524.00 | 250,350.00 | 340,033.00 | 352,213.00 | 336,023.00 |
| Net Debt | 55,471.00 | 210,026.00 | 152,471.00 | 139,150.00 | 165,567.00 | 288,054.00 | 253,719.00 | 133,971.00 | 244,676.00 | 315,872.00 | 202,306.00 | 166,940.00 | 110,437.00 | 67,654.00 | 0 | 0 | 166,315.00 | 128,701.00 | 0 |
| Common Shares Outstanding | 16,688.57 | 15,321.76 | 15,317.22 | 15,279.78 | 15,267.86 | 15,232.42 | 15,211.88 | 15,172.13 | 15,155.97 | 15,124.45 | 15,082.69 | 0 | 0 | 0 | 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 | 2023-09-30 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -15,100.00 | 22,239.00 | 14,855.00 | 7,370.00 | -13,016.00 | 21,077.00 | 13,694.00 | 6,636.00 |
| Interest Income | 169,260.00 | 106,983.00 | 52,821.00 | -104,128.00 | 160,336.00 | 105,218.00 | 52,176.00 | 146,845.00 | 46,142.00 | -49,934.00 | 101,548.00 | 63,318.00 | 30,323.00 | -65,203.00 | 96,074.00 | 63,338.00 | 32,163.00 |
| Interest Expense | 56,287.00 | 37,324.00 | 18,531.00 | -32,478.00 | 56,469.00 | 36,847.00 | 17,768.00 | 39,485.00 | 9,445.00 | 1,516.00 | 7,643.00 | 4,468.00 | 2,199.00 | -8,614.00 | 12,524.00 | 9,191.00 | 4,762.00 |
| Net Interest | 95,861.00 | 58,902.00 | 29,007.00 | -54,802.00 | 84,772.00 | 55,814.00 | 28,055.00 | 88,882.00 | 30,906.00 | -42,161.00 | 80,727.00 | 50,817.00 | 24,298.00 | -45,783.00 | 71,758.00 | 46,176.00 | 23,422.00 |
| Non-Interest Income | 115,824.00 | 69,807.00 | 40,159.00 | -81,007.00 | 124,723.00 | 82,418.00 | 39,312.00 | 120,769.00 | 40,098.00 | -24,221.00 | 27,146.00 | 23,131.00 | 9,318.00 | -18,003.00 | 33,083.00 | 19,803.00 | 10,248.00 |
| Non-Interest Expense | 83,928.00 | 51,189.00 | 24,651.00 | -40,657.00 | 72,102.00 | 47,706.00 | 23,688.00 | 69,112.00 | 22,704.00 | -35,654.00 | 66,618.00 | 43,586.00 | 21,886.00 | -38,330.00 | 67,587.00 | 44,215.00 | 22,491.00 |
| Selling, General and Administrative Expenses | 14,613.00 | 9,537.00 | 4,601.00 | -15,087.00 | 16,479.00 | 10,962.00 | 5,629.00 | 16,210.00 | 5,411.00 | -10,141.00 | 16,143.00 | 10,542.00 | 5,084.00 | -10,527.00 | 15,321.00 | 10,274.00 | 5,497.00 |
| EBT | 31,208.00 | 20,170.00 | 12,695.00 | -24,567.00 | 39,064.00 | 25,453.00 | 12,664.00 | 44,528.00 | 16,588.00 | -20,074.00 | 38,985.00 | 24,590.00 | 11,344.00 | -22,710.00 | 36,702.00 | 22,968.00 | 11,668.00 |
| Income Tax | 5,321.00 | 3,091.00 | 2,484.00 | -7,349.00 | 6,531.00 | 5,113.00 | 2,569.00 | 9,629.00 | 3,584.00 | -6,489.00 | 7,952.00 | 5,894.00 | 2,234.00 | -6,041.00 | 7,638.00 | 4,475.00 | 2,188.00 |
| Net Income | 25,158.00 | 16,303.00 | 10,211.00 | -19,448.00 | 32,545.00 | 20,352.00 | 10,095.00 | 34,907.00 | 13,012.00 | -16,215.00 | 31,045.00 | 19,615.00 | 9,112.00 | -18,219.00 | 29,533.00 | 18,505.00 | 9,480.00 |
| EBIT | 87,495.00 | 57,494.00 | 31,226.00 | -57,045.00 | 95,533.00 | 62,300.00 | 30,432.00 | 84,013.00 | 26,033.00 | -18,558.00 | 46,628.00 | 29,058.00 | 13,543.00 | -31,324.00 | 49,226.00 | 32,159.00 | 16,430.00 |
| Deprecation and Amortization | 3,077.00 | 1,666.00 | 766.00 | -1,038.00 | 1,826.00 | 1,202.00 | 551.00 | 1,378.00 | 508.00 | -360.00 | 899.00 | 600.00 | 235.00 | -1,353.00 | 322.00 | 1,122.00 | 34.00 |
| EBITDA | 90,572.00 | 59,160.00 | 31,992.00 | -58,083.00 | 97,359.00 | 63,502.00 | 30,983.00 | 85,391.00 | 26,541.00 | -18,918.00 | 47,527.00 | 29,658.00 | 13,778.00 | -32,677.00 | 49,548.00 | 33,281.00 | 16,464.00 |
| 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 |
| 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 |
| Average Shares Outstanding Basic | 15,622.00 | 15,312.00 | 15,304.00 | 15,320.00 | 15,229.00 | 15,213.00 | 15,198.00 | 15,135.00 | 15,110.00 | 15,106.00 | 15,029.00 | 15,014.00 | 15,011.00 | 15,031.00 | 14,961.00 | 14,950.00 | 14,934.00 |
| Average Shares Outstanding Diluted | 15,685.00 | 15,382.00 | 15,393.00 | 15,409.00 | 15,292.00 | 15,273.00 | 15,270.00 | 15,189.00 | 15,190.00 | 15,152.00 | 15,100.00 | 15,094.00 | 15,102.00 | 15,112.00 | 15,035.00 | 15,026.00 | 15,007.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 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 | 31,121.00 | 14,588.00 | 9,320.00 | 19,902.00 | 39,113.00 | 15,612.00 | 8,515.00 | 31,226.00 | 17,353.00 | 9,725.00 | 40,518.00 | 19,546.00 | 6,201.00 | 15,006.00 | 30,763.00 | 12,922.00 | 6,156.00 |
| Operating Net Income | 25,158.00 | 16,303.00 | 10,211.00 | -19,448.00 | 32,545.00 | 20,352.00 | 10,095.00 | 34,907.00 | 13,012.00 | -16,215.00 | 31,045.00 | 19,615.00 | 9,112.00 | -18,219.00 | 29,533.00 | 18,505.00 | 9,480.00 |
| Deprecation and Amortization | 3,077.00 | 1,666.00 | 766.00 | -1,038.00 | 1,826.00 | 1,202.00 | 551.00 | 1,378.00 | 508.00 | -360.00 | 899.00 | 600.00 | 235.00 | -641.00 | -322.00 | 1,122.00 | -34.00 |
| Deferred Income Tax | 0 | 0 | 0 | -366.00 | 0 | 0 | 0 | 0 | 0 | -707.00 | 0 | 0 | 0 | 427.00 | 0 | 0 | 0 |
| Share Based Compensation | 2,138.00 | 1,206.00 | 507.00 | -461.00 | 2,095.00 | 1,171.00 | 487.00 | 1,396.00 | 299.00 | 674.00 | 716.00 | 94.00 | 454.00 | -878.00 | 1,364.00 | 997.00 | 666.00 |
| Change in Working Capital | 6,691.00 | 10,997.00 | 3,078.00 | -11,008.00 | -896.00 | 8,246.00 | 3,269.00 | 10,686.00 | -2,394.00 | -12,133.00 | 2,954.00 | 4,549.00 | 6,469.00 | -9,900.00 | 373.00 | 6,102.00 | 3,887.00 |
| Other Operating Activities | -5,943.00 | -15,584.00 | -5,242.00 | 52,223.00 | 3,543.00 | -15,359.00 | -5,887.00 | -17,141.00 | 5,928.00 | 38,466.00 | 4,904.00 | -5,312.00 | -10,069.00 | 44,217.00 | -185.00 | -13,804.00 | -7,843.00 |
| Investing Cash Flow | 106,771.00 | -20,959.00 | 32,072.00 | 997.00 | -74,386.00 | -57,262.00 | -7,227.00 | -58,389.00 | -38,117.00 | 311,314.00 | -355,277.00 | -224,777.00 | -141,840.00 | -79,240.00 | 79,668.00 | 21,318.00 | -27,808.00 |
| 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 |
| Net Purchase/Sale of PPE | 4,633.00 | 3,533.00 | 1,545.00 | -5,386.00 | 6,548.00 | 5,489.00 | 745.00 | 3,650.00 | 1,153.00 | -1,064.00 | 1,842.00 | 1,138.00 | 602.00 | -1,490.00 | 1,216.00 | 1,008.00 | 982.00 |
| Net Purchase/Sale of Investments Net | 181,890.00 | 94,215.00 | 47,318.00 | -40,402.00 | 86,288.00 | 59,501.00 | 12,500.00 | 33,542.00 | 3,534.00 | -177,438.00 | 166,958.00 | 124,978.00 | 75,391.00 | -121,581.00 | 277,303.00 | 189,878.00 | 108,270.00 |
| Net Purchase/Sale of Business | 77,521.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 147,343.00 | 0 | 604.00 | 608.00 | -53,400.00 | ||||||||||||
| Other Investing Activities | -157,273.00 | -118,707.00 | -16,791.00 | -100,558.00 | -167,222.00 | -122,252.00 | -20,472.00 | -95,581.00 | -42,804.00 | 489,390.00 | -524,077.00 | -350,893.00 | -218,011.00 | -94,956.00 | -151,332.00 | -104,238.00 | -111,730.00 |
| Financing Cash Flow | -73,340.00 | 21,244.00 | -25,423.00 | -19,051.00 | 21,651.00 | 48,644.00 | -19,911.00 | 57,684.00 | 11,171.00 | 16,582.00 | 146,435.00 | 21,958.00 | -3,701.00 | 19,989.00 | 4,811.00 | -86,529.00 | 19,157.00 |
| Net Issuance/Repayment of Debt | -192,097.00 | 0 | 0 | 0 | 0 | 5.00 | 5.00 | 14.00 | 3.00 | -26,649.00 | 20,128.00 | 19,962.00 | 146.00 | 82,011.00 | 82,906.00 | -10,376.00 | -3,495.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 547.00 | 0 | 39.00 | 169.00 | 0 |
| Dividends Paid | 15,029.00 | 9,660.00 | 4,620.00 | -8,395.00 | 13,254.00 | 8,724.00 | 4,205.00 | 12,357.00 | 3,943.00 | -7,197.00 | 11,419.00 | 7,509.00 | 3,603.00 | -6,560.00 | 10,472.00 | 6,876.00 | 3,284.00 |
| Other Financing Activities | 103,728.00 | 11,584.00 | -30,043.00 | -10,646.00 | 8,397.00 | 39,915.00 | -24,121.00 | 45,313.00 | 7,225.00 | 50,975.00 | 114,888.00 | -5,513.00 | -7,997.00 | -55,254.00 | -88,606.00 | -83,198.00 | 19,368.00 |
| Net Change in Cash | 64,552.00 | 14,873.00 | 15,969.00 | 1,848.00 | -13,622.00 | 6,994.00 | -18,623.00 | 30,521.00 | -9,593.00 | 337,621.00 | -168,324.00 | -183,273.00 | -139,340.00 | -44,245.00 | 115,242.00 | -52,289.00 | -2,495.00 |
| Cash at Beginning of Period | 72,162.00 | 72,162.00 | 72,162.00 | 70,314.00 | 94,842.00 | 94,842.00 | 94,842.00 | 92,295.00 | 92,295.00 | -245,326.00 | 250,389.00 | 250,389.00 | 250,389.00 | 294,634.00 | 226,007.00 | 226,007.00 | 226,007.00 |
| Cash at End of Period | 136,714.00 | 87,035.00 | 88,131.00 | 72,162.00 | 81,220.00 | 101,836.00 | 76,219.00 | 122,816.00 | 82,702.00 | 92,295.00 | 82,065.00 | 67,116.00 | 111,049.00 | 250,389.00 | 341,249.00 | 173,718.00 | 223,512.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |