BMRC

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings -45.71 17.76 11.22 16.05 15.33
Price to Sales 157.52 164.33 235.03 240.19 250.84
Book Value Per Common Share 81.18 81.52 77.13 84.82 79.61
Price to Book 0.29 0.27 0.43 0.44 0.43
Price to Operating Cash Flow 7.33 6.47 7.47 5.10 8.27
Price to Free Cash Flow
Enterprise Value to EBITDA 114213.87 52727.74 74325.65 118887.91 98393.02
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 101.17 -99.30 71.19 -22.32 -13.72 93.17 15.11 20.08 37.10 14.13 23.54 53.14 22.21 23.12 58.45
Price to Sales 222.75 310.75 626.99 175.15 229.00 487.50 184.46 264.13 655.39 274.27 410.59 927.78 322.65 414.29 1072.88
Book Value Per Common Share 27.58 27.21 27.13 81.18 27.17 26.72 26.81 81.52 25.94 26.32 26.71 77.13 24.74 25.58 26.27 84.82 28.54 26.71 26.29 79.61
Price to Book 0.88 0.84 0.81 0.29 0.74 0.61 0.63 0.27 0.70 0.67 0.82 0.43 1.21 1.24 1.34 0.44 1.32 1.19 1.49 0.43
Price to Operating Cash Flow 15.22 28.13 71.45 18.30 33.51 62.34 8.39 13.14 26.00 12.23 25.77 48.51 16.11 21.34 42.08
Price to Free Cash Flow
Enterprise Value to EBITDA 105252.11 225124.99 210833.42 225806.81 166116.06 53710.72 78628.79 189348.35 94921.13 159470.90 371362.67 171014.66 142414.63 308716.52

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -57.68 26.29 3.57
Revenue YoY 12.82 -3.68 0.23 20.04
EBITDA YoY -50.38 -4.84 42.16 5.87
Net Profit YoY 502.73 -57.29 40.20 9.87
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 34344.44 37.50 49.15 57.04 104.55 23.19 105.97
Revenue YoY 48.00 108.70 62.04 105.79 48.13 100.75 41.22 105.00 58.64 108.61
EBITDA YoY 127.07 -3.60 118.95 51.74 94.39 58.52 111.10 21.28 72.98
Net Profit YoY 71.14 54.23 -74.66 37.84 48.21 56.54 105.74 28.97 103.78

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 9.20 2.35 3.14 24.70 15.21
Quick Ratio
Current Ratio
Debt to Equity 3.75 3.83 4.53 4.29 3.57
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 13.75 14.32 16.27 9.18 14.26 14.38 2.26 2.33 7.69 2.48 2.38 3.11 11.66 7.29 10.76 22.24 42.38 19.47 10.69 15.23
Quick Ratio
Current Ratio
Debt to Equity 7.72 7.50 7.61 3.75 7.68 7.49 7.63 3.83 8.64 8.65 8.61 4.53 9.97 9.56 9.30 4.29 8.29 2.17 2.14 3.57
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 2.90 0.47 1.02 0.70 0.92
ROE 13.77 2.27 5.65 3.69 4.22
Gross Margin -30.42 53.75
Operating Margin 1354.46 2926.29 2966.23 2234.43 2362.18
EBITDA Margin 1383.64 3145.92 3184.06 2244.82 2545.43
Net Profit Margin 4955.08 927.51 2091.87 1495.41 1633.82
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 2.60 1.58 1.01 -0.38 -0.51 0.08 0.48 0.34 0.23 0.78 0.50 0.24 0.55 0.46 0.23
ROE 22.67 13.40 8.67 -3.30 -4.36 0.67 4.61 3.30 2.19 8.50 5.26 2.49 5.13 1.45 0.71
Gross Margin -61.67 -153.75 -656.19 -1100.41
Operating Margin 2095.28 1357.53 2979.40 644.63 -627.07 2781.37 3231.42 3148.50 3250.66 2739.21 2469.92 2461.83 2112.57 2627.70 2820.70
EBITDA Margin 2134.91 1391.49 3012.43 775.92 -440.33 2973.06 3465.43 3382.90 3493.62 2911.57 2593.82 2518.83 2195.85 2872.40 3463.93
Net Profit Margin 5784.59 5002.55 6769.63 -781.45 -1667.84 528.39 1216.72 1307.57 1771.11 1940.41 1750.49 1744.17 1455.98 1790.96 1833.40

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 4,136,883.00 4,243,067.00 4,559,744.00 4,765,267.00 3,273,763.00
   Deposits 3,220,015.00 3,290,075.00 3,573,348.00 3,808,550.00 2,504,249.00
      Cash and Short-Term Investments 147,633.00 37,642.00 49,917.00 354,265.00 205,649.00
            Cash and Cash Equivalents 147,633.00 37,642.00 49,917.00 354,265.00 205,649.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 0 0 0 0 10,757,254.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 25,857.00 28,108.00 32,955.00 31,162.00 30,531.00
      Goodwill 72,754.00 72,754.00 72,754.00 72,754.00 30,140.00
      Intangible Assets 0 0 0 0 0
      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 3,266,069.00 3,364,943.00 3,735,560.00 3,864,531.00 2,557,257.00
      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 0 0 0 0 0
      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 870,814.00 878,124.00 824,184.00 900,736.00 716,506.00
   Shareholders Equity 1,306,221.00 1,317,186.00 1,236,276.00 1,351,104.00 1,074,759.00
      Capital Stock 215,511.00 217,498.00 215,057.00 212,524.00 125,905.00
      Share Premium 0 0 0 0 0
      Retained Earnings 249,964.00 274,570.00 270,781.00 239,868.00 219,747.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -30,068.00 -53,006.00 -73,746.00 -2,024.00 12,601.00
   Minority Interest 0 0 0 0 0
Investments 1,266,733.00 1,477,226.00 1,774,303.00 1,852,012.00 10,829,075.00
Debt 21,509.00 22,906.00 26,639.00 25,848.00 35,393.00
Common Shares Outstanding 16,089.45 16,158.41 16,029.14 15,929.24 13,500.45
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 2,420.00 2,145.00 2,227.00 2,222.00 1,851.00
Cost Of Revenue 0 0 0 2,898.00 856.00
Interest Income 315,621.00 178,154.00 164,807.00 124,695.00 114,141.00
Interest Expense 46,613.00 36,733.00 2,549.00 4,763.00 3,137.00
Net Interest 94,660.00 102,761.00 127,492.00 104,951.00 96,659.00
Non-Interest Income -45,140.00 4,989.00 10,905.00 10,132.00 8,550.00
Non-Interest Expense 83,632.00 81,186.00 77,062.00 76,663.00 61,353.00
Provisions for Credit Losses 0 0 0 -2,898.00 -856.00
Gross Profit 0 0 0 -676.00 995.00
   Selling, General and Administrative Expenses 5,129.00 3,598.00 3,299.00 4,974.00 2,181.00
EBT -13,835.00 26,036.00 63,509.00 44,886.00 40,587.00
Income Tax 5,860.00 5,637.00 16,393.00 10,423.00 9,908.00
Net Income 119,913.00 19,895.00 46,586.00 33,228.00 30,242.00
EBIT 32,778.00 62,769.00 66,058.00 49,649.00 43,724.00
Deprecation and Amortization 706.00 4,711.00 4,851.00 231.00 3,392.00
EBITDA 33,484.00 67,480.00 70,909.00 49,880.00 47,116.00
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 16,042.00 16,012.00 15,921.00 14,340.00 13,525.00
Average Shares Outstanding Diluted 16,042.00 16,026.00 15,969.00 14,422.00 13,617.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 52,019.00 54,531.00 70,109.00 104,741.00 56,157.00
   Operating Net Income 94,686.00 59,685.00 139,758.00 99,684.00 90,726.00
   Deprecation and Amortization -706.00 -4,711.00 -4,851.00 231.00 -3,392.00
   Deferred Income Tax -5,152.00 84.00 -434.00 216.00 -1,658.00
   Share Based Compensation 630.00 522.00 963.00 972.00 1,203.00
   Change in Working Capital 6,982.00 6,342.00 -7,053.00 -1,841.00 4,567.00
   Other Operating Activities -44,421.00 -7,391.00 -58,274.00 5,479.00 -35,289.00
Investing Cash Flow 195,136.00 334,415.00 -218,996.00 -341,285.00 -174,907.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 541.00 1,749.00 2,266.00 1,044.00 981.00
   Net Purchase/Sale of Investments Net 534,156.00 315,550.00 751,366.00 1,114,336.00 275,790.00
   Net Purchase/Sale of Business 0 0 0 140,577.00 0
   Net Loan & Lease Activity 0 0 0 -256,856.00 249,337.00
   Other Investing Activities -339,561.00 17,116.00 -972,628.00 -1,340,386.00 -701,015.00
Financing Cash Flow -137,164.00 -401,221.00 -155,461.00 385,160.00 131,472.00
   Net Issuance/Repayment of Debt -25,848.00 -85,852.00 131.00 13,971.00 172.00
   Net Issuance/Repurchase of Equity 4,253.00 230.00 3,321.00 81,987.00 15,100.00
   Dividends Paid 16,197.00 16,106.00 15,673.00 13,107.00 12,506.00
   Other Financing Activities -131,766.00 -331,705.00 -174,586.00 276,095.00 103,694.00
Net Change in Cash 109,991.00 -12,275.00 -304,348.00 148,616.00 12,722.00
   Cash at Beginning of Period 27,313.00 42,728.00 349,772.00 199,025.00 187,598.00
   Cash at End of Period 137,304.00 30,453.00 45,424.00 347,641.00 200,320.00
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 3,869,021.00 3,726,193.00 3,784,243.00 4,136,883.00 3,792,833.00 3,694,728.00 3,767,176.00 4,243,067.00 4,035,549.00 4,092,133.00 4,135,279.00 4,559,744.00 4,348,653.00 4,326,904.00 4,330,424.00 4,765,267.00 4,261,062.00 3,979,918.00 3,974,233.00 3,273,763.00
   Deposits 3,382,576.00 3,245,048.00 3,301,971.00 3,220,015.00 3,309,249.00 3,213,777.00 3,284,102.00 3,290,075.00 3,443,684.00 3,325,212.00 3,250,574.00 3,573,348.00 3,902,710.00 3,830,670.00 3,861,342.00 3,808,550.00 3,727,696.00 6,154,850.00 6,100,998.00 2,504,249.00
      Cash and Short-Term Investments 219,333.00 228,863.00 259,924.00 147,633.00 229,172.00 231,408.00 36,308.00 37,642.00 123,132.00 39,657.00 37,993.00 49,917.00 185,552.00 115,905.00 170,901.00 354,265.00 584,739.00 257,543.00 142,819.00 205,649.00
            Cash and Cash Equivalents 219,333.00 228,863.00 259,924.00 147,633.00 229,172.00 231,408.00 36,308.00 37,642.00 123,132.00 39,657.00 37,993.00 49,917.00 185,552.00 115,905.00 170,901.00 354,265.00 584,739.00 257,543.00 142,819.00 205,649.00
            Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Net Receivables 0 0 0 0 0 0 0 0 0 0 0 0 2,158,336.00 2,162,632.00 2,201,854.00 0 2,317,019.00 2,002,767.00 15,712,762.00 10,757,254.00
      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 24,769.00 25,788.00 25,900.00 25,857.00 26,755.00 27,723.00 29,099.00 28,108.00 29,763.00 31,422.00 31,544.00 32,955.00 32,108.00 29,420.00 30,780.00 31,162.00 32,583.00 28,754.00 29,163.00 30,531.00
      Goodwill 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 72,754.00 30,140.00 30,140.00 30,140.00
      Intangible Assets 0 0 0 0 0 0 0 0 0 0 0 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 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 3,425,203.00 3,287,655.00 3,344,677.00 3,266,069.00 3,355,873.00 3,259,785.00 3,330,496.00 3,364,943.00 3,616,931.00 3,668,192.00 3,705,105.00 3,735,560.00 3,952,061.00 3,917,331.00 3,910,016.00 3,864,531.00 3,802,537.00 2,725,169.00 2,707,841.00 2,557,257.00
      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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      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 443,818.00 438,538.00 439,566.00 870,814.00 436,960.00 434,943.00 436,680.00 878,124.00 418,618.00 423,941.00 430,174.00 824,184.00 396,592.00 409,573.00 420,408.00 900,736.00 458,525.00 1,254,749.00 1,266,392.00 716,506.00
   Shareholders Equity 443,818.00 438,538.00 439,566.00 1,306,221.00 436,960.00 434,943.00 436,680.00 1,317,186.00 418,618.00 423,941.00 430,174.00 1,236,276.00 396,592.00 409,573.00 420,408.00 1,351,104.00 458,525.00 348,649.00 350,292.00 1,074,759.00
      Capital Stock 214,467.00 214,713.00 216,263.00 215,511.00 215,465.00 218,773.00 218,342.00 217,498.00 217,202.00 216,589.00 215,965.00 215,057.00 214,720.00 213,864.00 213,204.00 212,524.00 217,680.00 108,430.00 118,386.00 125,905.00
      Share Premium 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Retained Earnings 241,727.00 238,225.00 250,815.00 249,964.00 247,983.00 247,477.00 273,450.00 274,570.00 277,996.00 276,732.00 276,209.00 270,781.00 261,907.00 253,737.00 246,511.00 239,868.00 233,997.00 231,841.00 225,600.00 219,747.00
      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 -12,376.00 -14,400.00 -27,512.00 -30,068.00 -26,488.00 -31,307.00 -55,112.00 -53,006.00 -76,580.00 -69,380.00 -62,000.00 -73,746.00 -80,035.00 -58,028.00 -39,307.00 -2,024.00 6,848.00 8,378.00 6,306.00 12,601.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 1,355,356.00 1,215,299.00 1,240,649.00 1,266,733.00 1,256,992.00 1,157,527.00 1,451,433.00 1,477,226.00 1,593,957.00 1,717,750.00 1,756,093.00 1,774,303.00 4,890,563.00 4,918,955.00 4,737,839.00 1,852,012.00 3,673,654.00 2,858,806.00 16,467,812.00 10,829,075.00
Debt 19,528.00 20,668.00 21,497.00 21,509.00 22,278.00 23,016.00 24,150.00 22,906.00 24,040.00 25,220.00 25,433.00 26,639.00 27,109.00 24,473.00 25,739.00 25,848.00 27,088.00 25,357.00 26,023.00 35,393.00
Common Shares Outstanding 16,094.69 16,116.47 16,202.87 16,089.45 16,082.88 16,278.26 16,285.79 16,158.41 16,139.32 16,107.19 16,107.21 16,029.14 16,029.05 16,009.60 16,003.85 15,929.24 16,066.89 13,055.10 13,326.51 13,500.45
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 1,739.00 1,175.00 563.00 -1,115.00 1,844.00 1,138.00 553.00 -1,043.00 1,585.00 1,070.00 533.00 -1,340.00 1,737.00 1,230.00 600.00 -899.00 1,615.00 1,018.00 488.00
Cost Of Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 970.00 -14,756.00 4,098.00 7,698.00 5,858.00
Interest Income 247,722.00 159,738.00 78,739.00 57,593.00 129,495.00 85,582.00 42,951.00 -88,663.00 133,442.00 88,995.00 44,380.00 -70,071.00 120,480.00 77,229.00 37,169.00 -45,543.00 87,825.00 55,452.00 26,961.00
Interest Expense 31,545.00 20,669.00 10,293.00 -23,523.00 35,367.00 23,317.00 11,452.00 -8,228.00 25,574.00 14,939.00 4,448.00 -915.00 1,718.00 1,168.00 578.00 -2,082.00 2,790.00 2,254.00 1,801.00
Net Interest 79,051.00 50,858.00 24,946.00 -42,625.00 69,430.00 45,161.00 22,694.00 -59,664.00 78,497.00 54,029.00 29,899.00 -57,623.00 94,122.00 61,095.00 29,898.00 -37,963.00 74,318.00 46,565.00 22,031.00
Non-Interest Income -21,743.00 -26,669.00 5,185.00 3,220.00 -24,113.00 -27,001.00 2,754.00 -11,892.00 8,272.00 5,674.00 2,935.00 -5,875.00 8,318.00 5,595.00 2,867.00 -2,955.00 7,413.00 3,848.00 1,826.00
Non-Interest Expense 64,082.00 42,754.00 21,264.00 -44,080.00 63,480.00 43,063.00 21,169.00 -39,231.00 60,192.00 40,445.00 19,780.00 -37,553.00 56,959.00 38,281.00 19,375.00 -22,781.00 53,654.00 30,968.00 14,822.00
Provisions for Credit Losses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -970.00 14,756.00 -4,098.00 -7,698.00 -5,858.00
Gross Profit 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -370.00 13,857.00 -2,483.00 -6,680.00 -5,370.00
   Selling, General and Administrative Expenses 2,960.00 1,845.00 937.00 -2,070.00 4,000.00 2,121.00 1,078.00 -2,122.00 2,677.00 1,920.00 1,123.00 -1,506.00 2,314.00 1,578.00 913.00 -2,059.00 4,321.00 1,849.00 863.00
EBT 4,892.00 -4,718.00 6,481.00 36,169.00 -23,480.00 -30,453.00 3,929.00 -31,236.00 25,644.00 18,750.00 12,878.00 -25,758.00 45,862.00 29,212.00 14,193.00 -22,902.00 31,328.00 24,496.00 11,964.00
Income Tax 1,026.00 1,058.00 1,605.00 -15,690.00 9,070.00 11,473.00 1,007.00 -8,919.00 6,359.00 4,759.00 3,438.00 -7,173.00 12,157.00 7,681.00 3,728.00 -6,672.00 7,814.00 6,264.00 3,017.00
Net Income 100,594.00 58,780.00 38,113.00 150,381.00 -14,410.00 -18,980.00 2,922.00 -22,821.00 19,285.00 13,991.00 9,440.00 -19,115.00 33,705.00 21,531.00 10,465.00 -17,465.00 23,514.00 18,232.00 8,947.00
EBIT 36,437.00 15,951.00 16,774.00 12,646.00 11,887.00 -7,136.00 15,381.00 -39,464.00 51,218.00 33,689.00 17,326.00 -26,673.00 47,580.00 30,380.00 14,771.00 -24,984.00 34,118.00 26,750.00 13,765.00
Deprecation and Amortization 689.00 399.00 186.00 -4,900.00 2,421.00 2,125.00 1,060.00 -2,801.00 3,709.00 2,508.00 1,295.00 -9.00 2,994.00 1,524.00 342.00 -6,744.00 1,345.00 2,491.00 3,139.00
EBITDA 37,126.00 16,350.00 16,960.00 7,746.00 14,308.00 -5,011.00 16,441.00 -42,265.00 54,927.00 36,197.00 18,621.00 -26,682.00 50,574.00 31,904.00 15,113.00 -31,728.00 35,463.00 29,241.00 16,904.00
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 15,957.00 15,983.00 15,977.00 15,916.00 16,076.00 16,095.00 16,081.00 16,086.00 16,002.00 15,990.00 15,970.00 15,998.00 15,912.00 15,898.00 15,876.00 16,972.00 13,798.00 13,227.00 13,363.00
Average Shares Outstanding Diluted 15,979.00 15,983.00 16,002.00 15,905.00 16,076.00 16,095.00 16,092.00 16,080.00 16,017.00 16,008.00 15,999.00 16,021.00 15,959.00 15,950.00 15,946.00 17,022.00 13,881.00 13,316.00 13,469.00
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 25,456.00 12,976.00 4,936.00 22,267.00 17,651.00 7,775.00 4,326.00 -15,283.00 34,872.00 21,498.00 13,444.00 71.00 38,951.00 19,608.00 11,479.00 40,210.00 32,326.00 19,769.00 12,436.00
   Operating Net Income 108,326.00 51,460.00 47,865.00 125,154.00 -14,410.00 -18,980.00 2,922.00 16,969.00 19,285.00 13,991.00 9,440.00 74,057.00 33,705.00 21,531.00 10,465.00 48,991.00 23,514.00 18,232.00 8,947.00
   Deprecation and Amortization 689.00 399.00 186.00 4,900.00 -2,421.00 -2,125.00 -1,060.00 2,801.00 -3,709.00 -2,508.00 -1,295.00 9.00 -2,994.00 -1,524.00 -342.00 7,206.00 -1,345.00 -2,491.00 -3,139.00
   Deferred Income Tax 0 0 0 -5,152.00 0 0 0 84.00 0 0 0 -434.00 0 0 0 216.00 0 0 0
   Share Based Compensation 589.00 363.00 168.00 -938.00 736.00 627.00 205.00 -577.00 584.00 354.00 161.00 -301.00 642.00 385.00 237.00 -1,332.00 951.00 738.00 615.00
   Change in Working Capital -2,719.00 -1,139.00 -5,273.00 -11,284.00 8,854.00 12,847.00 -3,435.00 -6,534.00 6,732.00 4,638.00 1,506.00 15,934.00 -7,719.00 -5,451.00 -9,817.00 9,768.00 -4,825.00 -1,818.00 -4,966.00
   Other Operating Activities -81,429.00 -38,107.00 -38,010.00 -90,413.00 24,892.00 15,406.00 5,694.00 -28,026.00 11,980.00 5,023.00 3,632.00 -89,194.00 15,317.00 4,667.00 10,936.00 -24,639.00 14,031.00 5,108.00 10,979.00
Investing Cash Flow -90,418.00 63,968.00 39,879.00 -350,646.00 204,452.00 303,703.00 37,627.00 96,950.00 176,486.00 48,605.00 12,374.00 565,952.00 -283,031.00 -265,299.00 -236,618.00 -4,421.00 -18,924.00 -112,165.00 -205,775.00
   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 1,692.00 1,281.00 314.00 -247.00 377.00 250.00 161.00 -3,249.00 1,737.00 1,823.00 1,438.00 1,020.00 762.00 354.00 130.00 -698.00 833.00 765.00 144.00
   Net Purchase/Sale of Investments Net 760,685.00 559,810.00 96,558.00 -327,483.00 489,336.00 351,993.00 20,310.00 55,485.00 168,094.00 59,011.00 32,960.00 -875,302.00 693,864.00 545,376.00 387,428.00 -26,034.00 625,622.00 296,340.00 218,408.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00 140,577.00 0 0
   Net Loan & Lease Activity 0 0 0 -256,856.00 249,337.00
   Other Investing Activities -852,795.00 -497,123.00 -56,993.00 -22,916.00 -285,261.00 -48,540.00 17,156.00 44,714.00 6,655.00 -12,229.00 -22,024.00 1,440,234.00 -977,657.00 -811,029.00 -624,176.00 279,167.00 -785,956.00 -409,270.00 -424,327.00
Financing Cash Flow 146,991.00 14,615.00 77,805.00 32,841.00 -23,384.00 -110,523.00 -36,098.00 -158,452.00 -133,650.00 -75,870.00 -33,249.00 -299,806.00 81,991.00 13,955.00 48,399.00 -271,314.00 371,017.00 149,619.00 135,838.00
   Net Issuance/Repayment of Debt 97.00 77.00 38.00 51,925.00 -25,887.00 -25,924.00 -25,962.00 -567,676.00 8,112.00 180,275.00 293,437.00 -59.00 96.00 63.00 31.00 -29.00 13,940.00 32.00 28.00
   Net Issuance/Repurchase of Equity 3,293.00 2,175.00 0 19.00 4,234.00 0 0 -460.00 230.00 230.00 230.00 -2,809.00 2,071.00 2,070.00 1,989.00 17,255.00 35,874.00 20,028.00 8,830.00
   Dividends Paid 12,103.00 8,079.00 4,025.00 -8,135.00 12,177.00 8,113.00 4,042.00 -8,016.00 12,070.00 8,040.00 4,012.00 -7,477.00 11,666.00 7,662.00 3,822.00 -5,389.00 9,264.00 6,138.00 3,094.00
   Other Financing Activities 131,498.00 4,284.00 73,742.00 -10,968.00 -13,908.00 -92,712.00 -14,178.00 417,700.00 -154,062.00 -264,415.00 -330,928.00 -289,461.00 68,158.00 4,160.00 42,557.00 -283,151.00 311,939.00 123,421.00 123,886.00
Net Change in Cash 82,029.00 91,559.00 122,620.00 -295,538.00 198,719.00 200,955.00 5,855.00 -76,785.00 77,708.00 -5,767.00 -7,431.00 266,217.00 -162,089.00 -231,736.00 -176,740.00 -235,525.00 384,419.00 57,223.00 -57,501.00
   Cash at Beginning of Period 137,304.00 137,304.00 137,304.00 432,842.00 30,453.00 30,453.00 30,453.00 107,238.00 45,424.00 45,424.00 45,424.00 -220,793.00 347,641.00 347,641.00 347,641.00 583,166.00 200,320.00 200,320.00 200,320.00
   Cash at End of Period 219,333.00 228,863.00 259,924.00 137,304.00 229,172.00 231,408.00 36,308.00 30,453.00 123,132.00 39,657.00 37,993.00 45,424.00 185,552.00 115,905.00 170,901.00 347,641.00 584,739.00 257,543.00 142,819.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0