BOH - Bank of Hawaii Corp.

BOH

Valuation Ratios

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Price to Earnings	20.47	17.42	14.10	13.32	19.80
Price to Sales	23.02
Book Value Per Common Share	189.20	162.37	149.05	193.55	169.40
Price to Book	0.38	0.45	0.52	0.43	0.45
Price to Operating Cash Flow	9.18	9.96	5.96	7.61	11.02
Price to Free Cash Flow
Enterprise Value to EBITDA	30640.00	31749.34	37849.99	45539.20	53236.69

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
Price to Earnings	20.14	32.94	70.38		23.96	33.85	71.71		14.44	18.16	45.68		19.03	27.45	63.10		17.37	26.32	59.26
Price to Sales
Book Value Per Common Share	83.10	80.15	77.80	189.20	75.36	71.77	62.65	162.37	57.51	57.72	58.10	149.05	52.91	57.96	65.82	193.55	53.97	77.24	66.31	169.40
Price to Book	0.79	0.84	0.89	0.38	0.83	0.80	1.00	0.45	0.86	0.71	0.90	0.52	1.44	1.28	1.28	0.43	1.52	1.09	1.35	0.45
Price to Operating Cash Flow	18.77	26.73	148.71		29.14	21.64	43.20		15.66	-83.56	-66.07		11.23	18.66	79.82		9.63	15.89	19.54
Price to Free Cash Flow
Enterprise Value to EBITDA	56876.24	90065.67	186904.27		55346.78	77610.44	168704.58		47949.19	63990.50	175993.41		128299.80	188832.27	441279.51		174720.94	186353.17	409261.06

Earnings Data

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Earning YoY	-16.35	-24.36	-12.56	62.53
Revenue YoY
EBITDA YoY	1.90	11.14	10.26	28.22
Net Profit YoY	-12.39	-24.18	-10.88	64.74

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-09-30	2024-06-30	2024-03-31	2023-09-30	2023-06-30	2023-03-31	2022-09-30	2022-06-30	2022-03-31	2021-09-30	2021-06-30
Earning YoY	59.02	109.18		55.03	94.25		51.54	99.12		47.60	103.76		47.81	111.92
Revenue YoY
EBITDA YoY	54.00	103.35	331.85	53.92	99.37	20.35	60.93	118.17	-65.89	49.94	106.63	-60.72	49.89	107.05
Net Profit YoY	58.22	108.30		57.27	93.66		51.56	98.33		47.27	103.70		48.68	112.65

Financial Strength

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Cash Per Common Share	22.07	25.49	10.15	14.07	15.46
Quick Ratio
Current Ratio
Debt to Equity	0.81	0.83	0.84	0.81	0.82
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	24.87	19.42	23.64	21.90	32.28	23.49	22.66	25.18	16.61	42.63	15.58	10.09	16.53	21.13	14.97	13.92	16.45	29.64	34.97	15.31
Quick Ratio
Current Ratio
Debt to Equity	12.41	12.60	13.01	0.81	13.29	13.45	15.31	0.83	16.27	17.37	16.67	0.84	17.04	16.23	14.87	0.81	13.38	13.32	0.88	0.82
Long-Term Debt to Equity

Profitability

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
ROA	0.31	0.35	0.46	0.54	0.36
ROE	0.55	0.64	0.85	0.97	0.65
Gross Margin	90.87
Operating Margin	750.53
EBITDA Margin	757.20
Net Profit Margin	122.85

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-09-30	2024-06-30	2024-03-31	2023-09-30	2023-06-30	2023-03-31	2022-09-30	2022-06-30	2022-03-31	2021-09-30	2021-06-30	2021-03-31
ROA	0.60	0.39	0.18	0.47	0.30	0.16	0.60	0.37	0.20	0.71	0.48	0.24	0.83	0.56	0.14
ROE	8.09	5.26	2.58	6.65	4.37	2.53	10.32	6.84	3.46	12.83	8.28	3.78	11.87	8.05	0.26
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

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	49,116,971.00	49,101,782.00	48,716,162.00	47,330,090.00	42,736,396.00
Deposits	20,633,037.00	21,055,045.00	20,615,696.00	20,360,108.00	18,211,621.00
Cash and Short-Term Investments	870,745.00	1,000,944.00	401,767.00	560,434.00	614,088.00
Cash and Cash Equivalents	870,745.00	1,000,944.00	401,767.00	560,434.00	614,088.00
Short-Term Investments	0	0	0	0	0
Net Receivables	14,059,819.00	132,625.00	122,002.00	90,542.00	98,603.00
Inventory	0	0	0	0	0
Other Current Assets	0	0	0	0	0
Property, Plant, Equipment Net	264,645.00	280,965.00	299,084.00	295,014.00	299,237.00
Real Estate	0	2,098.00	1,040.00	2,332.00	2,332.00
Goodwill	45,646.00	45,646.00	45,646.00	45,646.00	45,646.00
Intangible Assets	0	0	0	0	0
Long-Term Investments	0	0	0	0	0
Non-Current Deferred Assets	172,499.00	183,691.00	177,713.00	42,277.00	16,724.00
Other Non-Current Assets	0	0	0	0	0
Liabilities	21,947,109.00	22,331,102.00	22,299,995.00	21,185,327.00	19,240,731.00
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	558,274.00	560,190.00	410,294.00	10,391.00	60,481.00
Other Non-Current Liabilities	0	0	0	0	0
Equity	27,169,862.00	26,770,680.00	26,416,167.00	26,144,763.00	23,495,665.00
Shareholders Equity	7,523,138.00	6,454,527.00	5,937,570.00	7,791,048.00	6,796,305.00
Capital Stock	345,585.00	180,583.00	180,582.00	180,581.00	580.00
Share Premium	647,403.00	636,422.00	620,578.00	602,508.00	591,360.00
Retained Earnings	2,133,838.00	2,107,569.00	2,055,912.00	1,950,375.00	1,811,979.00
Treasury Shares	1,115,663.00	1,113,644.00	1,105,419.00	1,055,471.00	1,037,234.00
Accumulated Other Comprehensive Income	-343,389.00	-396,688.00	-434,658.00	-66,382.00	7,822.00
Minority Interest	0	0	0	0	0
Investments	887,387.00	33,725,009.00	38,182,320.00	50,287,139.00	42,239,843.00
Debt	647,068.00	654,883.00	510,820.00	113,601.00	167,893.00
Net Debt	0	0	109,053.00	0	0
Common Shares Outstanding	39,762.25	39,753.14	39,835.75	40,253.19	40,119.31
Preferred Shares Outstanding	0	180.00	180.00	180.00	0

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Revenues	122,093.00	0	0	0	0
Cost Of Revenue	11,150.00	9,000.00	15,600.00	101,000.00	117,800.00
Interest Income	867,966.00	815,481.00	598,583.00	527,418.00	547,085.00
Interest Expense	397,171.00	313,350.00	56,808.00	29,426.00	50,102.00
Net Interest	466,580.00	497,025.00	540,558.00	497,290.00	496,322.00
Non-Interest Income	172,529.00	706,436.00	630,164.00	685,412.00	737,636.00
Non-Interest Expense	863,238.00	878,585.00	833,891.00	789,729.00	750,236.00
Provisions for Credit Losses	11,150.00	9,000.00	-15,600.00	-101,000.00	117,800.00
Gross Profit	110,943.00	0	0	0	0
Selling, General and Administrative Expenses	123,027.00	76,219.00	72,360.00	59,436.00	70,218.00
EBT	519,176.00	586,295.00	758,718.00	709,615.00	523,116.00
Income Tax	86,098.00	101,442.00	124,282.00	142,425.00	73,639.00
Net Income	149,994.00	171,202.00	225,804.00	253,372.00	153,804.00
EBIT	916,347.00	899,645.00	815,526.00	739,041.00	573,218.00
Deprecation and Amortization	8,144.00	7,611.00	768.00	1,324.00	4,184.00
EBITDA	924,491.00	907,256.00	816,294.00	740,365.00	577,402.00
EPS	0.00	0.00	0.01	0.01	0.00
Diluted EPS	0.00	0.00	0.01	0.01	0.00
Average Shares Outstanding Basic	39,450.74	39,274.29	39,601.09	39,837.80	39,726.21
Average Shares Outstanding Diluted	39,700.39	39,428.91	39,788.00	40,053.66	39,892.11

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Operating Cash Flow	306,026.00	285,862.00	515,626.00	438,539.00	276,280.00
Operating Net Income	149,994.00	171,202.00	225,804.00	253,372.00	153,804.00
Deprecation and Amortization	8,144.00	7,611.00	768.00	1,324.00	-4,184.00
Deferred Income Tax	-12,220.00	-11,205.00	-2,713.00	3,020.00	-42,586.00
Share Based Compensation	15,223.00	16,543.00	16,913.00	14,046.00	8,373.00
Change in Working Capital	33,841.00	86,070.00	-14,746.00	-27,012.00	128,002.00
Other Operating Activities	111,044.00	15,641.00	289,600.00	193,789.00	32,871.00
Investing Cash Flow	-60,518.00	561,401.00	-1,254,613.00	-2,589,282.00	-2,357,447.00
Capital Expenditure	0.00	0.00	0.00	0.00	0.00
Net Purchase/Sale of PPE	9,679.00	9,402.00	28,761.00	32,618.00	35,268.00
Net Purchase/Sale of Investments Net	1,072,119.00	898,481.00	2,472,701.00	7,485,697.00	6,202,878.00
Net Purchase/Sale of Business	0	0	0	0	0
Net Loan & Lease Activity	99,827.00	325,262.00	1,397,056.00	342,767.00	990,169.00
Other Investing Activities	-1,242,143.00	-671,744.00	-5,153,131.00	-10,450,364.00	-9,585,762.00
Financing Cash Flow	-401,017.00	-241,923.00	593,091.00	2,036,761.00	2,166,245.00
Net Issuance/Repayment of Debt	-50,385.00	1,975,104.00	675,097.00	-100,010.00	121,368.00
Net Issuance/Repurchase of Equity	518,208.00	40,336.00	123,720.00	440,712.00	54,790.00
Dividends Paid	249,914.00	239,344.00	240,868.00	227,216.00	107,434.00
Other Financing Activities	-1,118,754.00	-2,496,707.00	-446,594.00	1,468,843.00	1,882,653.00
Net Change in Cash	-155,509.00	605,340.00	-145,896.00	-113,982.00	85,078.00
Cash at Beginning of Period	919,080.00	395,604.00	547,663.00	674,416.00	529,010.00
Cash at End of Period	763,571.00	1,000,944.00	401,767.00	560,434.00	614,088.00
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	24,014,609.00	23,709,752.00	23,885,056.00	49,116,971.00	23,799,174.00	23,300,768.00	23,420,860.00	49,101,782.00	23,549,785.00	24,947,936.00	23,931,977.00	48,716,162.00	23,134,040.00	23,232,699.00	23,000,317.00	47,330,090.00	22,965,383.00	22,672,183.00	44,032,942.00	42,736,396.00
Deposits	21,080,669.00	20,798,914.00	21,008,217.00	20,633,037.00	20,978,322.00	20,408,502.00	20,676,586.00	21,055,045.00	20,802,309.00	20,508,615.00	20,491,300.00	20,615,696.00	20,888,773.00	21,025,681.00	20,716,287.00	20,360,108.00	20,493,678.00	20,169,709.00	19,556,651.00	18,211,621.00
Cash and Short-Term Investments	985,223.00	768,683.00	935,200.00	870,745.00	1,272,763.00	925,338.00	891,521.00	1,000,944.00	652,226.00	1,673,442.00	611,985.00	401,767.00	655,649.00	839,366.00	595,054.00	560,434.00	655,962.00	1,181,467.00	1,392,854.00	614,088.00
Cash and Cash Equivalents	985,223.00	768,683.00	935,200.00	870,745.00	1,272,763.00	925,338.00	891,521.00	1,000,944.00	652,226.00	1,673,442.00	611,985.00	401,767.00	655,649.00	839,366.00	595,054.00	560,434.00	655,962.00	1,181,467.00	1,392,854.00	614,088.00
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	13,990,325.00	13,969,039.00	86,006.00	14,059,819.00	13,902,986.00	99,529,998.00	134,687.00	132,625.00	130,541.00	129,120.00	126,175.00	122,002.00	100,143.00	94,341.00	90,792.00	90,542.00	93,551.00	62,846.00	95,817.00	98,603.00
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	278,897.00	275,815.00	271,435.00	264,645.00	273,635.00	277,076.00	277,987.00	280,965.00	282,990.00	289,583.00	294,518.00	299,084.00	302,864.00	293,964.00	293,306.00	295,014.00	296,151.00	295,772.00	295,857.00	299,237.00
Real Estate	0	0	0	0	2,667.00	2,672.00	2,672.00	2,098.00	1,040.00	1,040.00	1,040.00	1,040.00	1,040.00	2,332.00	2,332.00	2,332.00	2,332.00	2,332.00	2,332.00	2,332.00
Goodwill	31,517.00	31,517.00	31,517.00	45,646.00	31,517.00	31,517.00	31,517.00	45,646.00	31,517.00	31,517.00	31,517.00	45,646.00	31,517.00	31,517.00	31,517.00	45,646.00	31,517.00	31,517.00	31,517.00	45,646.00
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	172,499.00	0	0	0	183,691.00	0	0	0	177,713.00	0	0	0	42,277.00	0	0	0	16,724.00
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	22,223,426.00	21,966,645.00	22,180,121.00	21,947,109.00	22,133,700.00	21,687,919.00	21,984,883.00	22,331,102.00	22,185,945.00	23,589,657.00	22,577,547.00	22,299,995.00	21,851,656.00	21,883,953.00	21,551,432.00	21,185,327.00	21,368,274.00	21,088,652.00	20,587,050.00	19,240,731.00
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	558,201.00	558,226.00	558,250.00	558,274.00	558,297.00	560,136.00	560,163.00	560,190.00	560,217.00	1,760,243.00	510,269.00	410,294.00	10,319.00	10,343.00	10,367.00	10,391.00	10,414.00	10,437.00	60,459.00	60,481.00
Other Non-Current Liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Equity	1,791,183.00	1,743,107.00	1,704,935.00	27,169,862.00	1,665,474.00	1,612,849.00	1,435,977.00	26,770,680.00	1,363,840.00	1,358,279.00	1,354,430.00	26,416,167.00	1,282,384.00	1,348,746.00	1,448,885.00	26,144,763.00	1,597,109.00	1,583,531.00	23,445,892.00	23,495,665.00
Shareholders Equity	3,306,115.00	3,187,020.00	3,091,473.00	7,523,138.00	2,995,588.00	2,851,337.00	2,488,373.00	6,454,527.00	2,286,069.00	2,293,127.00	2,303,562.00	5,937,570.00	2,117,074.00	2,329,044.00	2,651,617.00	7,791,048.00	3,145,650.00	3,125,594.00	2,678,655.00	6,796,305.00
Capital Stock	345,587.00	345,587.00	345,586.00	345,585.00	345,585.00	345,585.00	180,584.00	180,583.00	180,583.00	180,583.00	180,583.00	180,582.00	180,582.00	180,582.00	180,582.00	180,581.00	180,580.00	180,580.00	580.00	580.00
Share Premium	659,922.00	655,479.00	651,374.00	647,403.00	643,620.00	639,841.00	640,663.00	636,422.00	632,425.00	628,202.00	624,126.00	620,578.00	615,985.00	611,694.00	607,061.00	602,508.00	598,341.00	594,261.00	594,804.00	591,360.00
Retained Earnings	2,178,263.00	2,158,450.00	2,144,326.00	2,133,838.00	2,127,585.00	2,119,140.00	2,114,729.00	2,107,569.00	2,108,702.00	2,091,289.00	2,074,428.00	2,055,912.00	2,024,641.00	2,002,005.00	1,974,790.00	1,950,375.00	1,916,861.00	1,884,431.00	1,844,057.00	1,811,979.00
Treasury Shares	1,116,338.00	1,117,215.00	1,117,954.00	1,115,663.00	1,115,956.00	1,117,356.00	1,116,418.00	1,113,644.00	1,116,259.00	1,118,364.00	1,119,409.00	1,105,419.00	1,091,130.00	1,077,087.00	1,067,395.00	1,055,471.00	1,050,105.00	1,034,273.00	1,037,433.00	1,037,234.00
Accumulated Other Comprehensive Income	-276,251.00	-299,194.00	-318,397.00	-343,389.00	-335,360.00	-374,361.00	-383,581.00	-396,688.00	-441,611.00	-423,431.00	-405,298.00	-434,658.00	-447,694.00	-368,448.00	-246,153.00	-66,382.00	-48,568.00	-41,468.00	-41,787.00	7,822.00
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	938,060.00	929,732.00	899,313.00	887,387.00	891,609.00	131,587,394.00	32,968,879.00	33,725,009.00	33,831,943.00	36,140,793.00	37,608,740.00	38,182,320.00	36,022,267.00	46,266,978.00	49,376,215.00	50,287,139.00	52,029,385.00	50,507,428.00	45,325,474.00	42,239,843.00
Debt	649,891.00	650,607.00	650,517.00	647,068.00	648,653.00	653,500.00	654,267.00	654,883.00	655,670.00	1,858,011.00	610,015.00	510,820.00	113,024.00	110,065.00	111,641.00	113,601.00	114,866.00	115,817.00	166,279.00	167,893.00
Net Debt	0	0	0	0	0	0	0	0	3,444.00	184,569.00	0	109,053.00	0	0	0	0	0	0	0	0
Common Shares Outstanding	39,785.20	39,765.38	39,734.30	39,762.25	39,748.30	39,729.94	39,720.72	39,753.14	39,748.70	39,725.35	39,646.51	39,835.75	40,011.47	40,182.66	40,288.36	40,253.19	58,285.62	40,465.48	40,394.23	40,119.31
Preferred Shares Outstanding	0	0	0	0	0	0	180.00	180.00	180.00	180.00	180.00	180.00	180.00	180.00	180.00	180.00	180.00	180.00	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
Revenues	0	0	0	122,093.00	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Revenue	9,000.00	6,500.00	3,250.00	-2,650.00	7,400.00	4,400.00	2,000.00	-4,000.00	6,500.00	4,500.00	2,000.00	-27,400.00	16,000.00	16,000.00	11,000.00	-70,000.00	81,600.00	60,800.00	28,600.00
Interest Income	663,779.00	435,003.00	215,371.00	-416,978.00	647,642.00	425,976.00	211,326.00	-368,459.00	604,210.00	390,801.00	188,929.00	-228,812.00	425,930.00	270,690.00	130,775.00	-256,976.00	394,933.00	260,511.00	128,950.00
Interest Expense	268,364.00	177,331.00	88,479.00	-192,481.00	298,132.00	195,102.00	96,418.00	-85,595.00	218,788.00	127,780.00	52,377.00	14,295.00	25,233.00	11,970.00	5,310.00	-18,336.00	23,505.00	16,061.00	8,196.00
Net Interest	392,165.00	255,490.00	125,807.00	-222,544.00	346,402.00	228,784.00	113,938.00	-280,473.00	381,240.00	260,303.00	135,955.00	-242,690.00	399,820.00	258,165.00	125,263.00	-238,264.00	370,902.00	244,083.00	120,569.00
Non-Interest Income	134,819.00	88,853.00	44,058.00	-83,610.00	129,482.00	84,372.00	42,285.00	447,381.00	134,326.00	83,992.00	40,737.00	384,535.00	116,369.00	85,709.00	43,551.00	426,262.00	128,779.00	87,401.00	42,970.00
Non-Interest Expense	333,629.00	221,242.00	110,459.00	220,117.00	322,177.00	215,085.00	105,859.00	229,155.00	321,556.00	215,955.00	111,919.00	210,642.00	312,562.00	206,813.00	103,874.00	203,561.00	291,911.00	195,392.00	98,865.00
Provisions for Credit Losses	9,000.00	6,500.00	3,250.00	-2,650.00	7,400.00	4,400.00	2,000.00	-4,000.00	6,500.00	4,500.00	2,000.00	27,400.00	-16,000.00	-16,000.00	-11,000.00	70,000.00	-81,600.00	-60,800.00	-28,600.00
Gross Profit	0	0	0	110,943.00	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling, General and Administrative Expenses	92,855.00	61,366.00	30,649.00	2,609.00	60,379.00	40,136.00	19,903.00	-36,156.00	56,458.00	37,579.00	18,338.00	-35,331.00	54,324.00	35,723.00	17,644.00	-33,203.00	42,285.00	31,536.00	18,818.00
EBT	184,355.00	116,601.00	56,156.00	230,834.00	146,307.00	93,671.00	48,364.00	212,172.00	187,510.00	123,840.00	62,773.00	331,590.00	211,627.00	145,061.00	70,440.00	215,579.00	248,570.00	166,492.00	78,974.00
Income Tax	83,633.00	53,194.00	22,748.00	-44,909.00	65,808.00	42,958.00	22,241.00	-73,381.00	86,645.00	58,178.00	30,000.00	-66,299.00	93,056.00	66,458.00	31,067.00	-92,445.00	118,451.00	78,561.00	37,858.00
Net Income	144,967.00	91,622.00	43,985.00	-67,703.00	110,832.00	70,474.00	36,391.00	-109,349.00	140,806.00	92,903.00	46,842.00	-105,223.00	164,497.00	111,696.00	54,834.00	-123,594.00	189,535.00	127,482.00	59,949.00
EBIT	452,719.00	293,932.00	144,635.00	38,353.00	444,439.00	288,773.00	144,782.00	126,577.00	406,298.00	251,620.00	115,150.00	345,885.00	236,860.00	157,031.00	75,750.00	197,243.00	272,075.00	182,553.00	87,170.00
Deprecation and Amortization	6,430.00	4,222.00	1,988.00	-4,401.00	6,344.00	4,090.00	2,111.00	-4,520.00	5,620.00	4,339.00	2,172.00	-1,907.00	523.00	1,285.00	867.00	-2,185.00	2,035.00	320.00	1,154.00
EBITDA	459,149.00	298,154.00	146,623.00	33,952.00	450,783.00	292,863.00	146,893.00	122,057.00	411,918.00	255,959.00	117,322.00	343,978.00	237,383.00	158,316.00	76,617.00	195,058.00	274,110.00	182,873.00	88,324.00
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	39,611.37	39,588.92	39,554.83	39,622.29	39,429.82	39,400.45	39,350.39	39,296.60	39,264.45	39,259.28	39,276.83	39,258.28	39,670.41	39,722.99	39,752.68	39,787.88	39,870.45	39,865.27	39,827.59
Average Shares Outstanding Diluted	39,920.00	39,888.29	39,876.41	39,901.61	39,654.71	39,618.77	39,626.46	39,474.97	39,392.43	39,382.36	39,465.89	39,450.12	39,848.79	39,896.70	39,956.39	39,957.75	40,088.90	40,096.53	40,071.48

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	138,490.00	100,000.00	18,344.00	60,093.00	84,936.00	104,162.00	56,835.00	211,620.00	124,570.00	-19,369.00	-30,959.00	46,615.00	268,867.00	158,349.00	41,795.00	-295,412.00	340,275.00	211,269.00	182,407.00
Operating Net Income	144,967.00	91,622.00	43,985.00	-67,703.00	110,832.00	70,474.00	36,391.00	-109,349.00	140,806.00	92,903.00	46,842.00	-105,223.00	164,497.00	111,696.00	54,834.00	-123,594.00	189,535.00	127,482.00	59,949.00
Deprecation and Amortization	6,430.00	4,222.00	1,988.00	-4,401.00	6,344.00	4,090.00	2,111.00	-4,520.00	5,620.00	4,339.00	2,172.00	3,443.00	-523.00	-1,285.00	-867.00	123.00	2,035.00	320.00	-1,154.00
Deferred Income Tax	0	0	0	-3,159.00	-7,284.00	-4,245.00	2,468.00	-14,138.00	-2,041.00	-734.00	5,708.00	-44.00	-6,840.00	839.00	3,332.00	-12,710.00	5,308.00	4,025.00	6,397.00
Share Based Compensation	11,680.00	7,517.00	3,680.00	-7,363.00	11,051.00	7,505.00	4,030.00	-6,479.00	11,979.00	7,672.00	3,371.00	-7,216.00	11,947.00	8,172.00	4,010.00	-4,514.00	9,658.00	6,122.00	2,780.00
Change in Working Capital	55,498.00	24,036.00	41,058.00	-32,565.00	69,544.00	-3,141.00	3.00	-234,138.00	73,757.00	145,871.00	100,580.00	-40,563.00	-31,065.00	5,516.00	51,366.00	119,263.00	-68,084.00	-29,331.00	-48,860.00
Other Operating Activities	-80,085.00	-27,397.00	-72,367.00	175,284.00	-105,551.00	29,479.00	11,832.00	580,244.00	-105,551.00	-269,420.00	-189,632.00	196,218.00	130,851.00	33,411.00	-70,880.00	-273,980.00	201,823.00	102,651.00	163,295.00
Investing Cash Flow	-214,021.00	-142,716.00	-136,375.00	-968,814.00	245,680.00	418,468.00	244,148.00	-4,130.00	463,718.00	118,946.00	-17,133.00	58,379.00	-552,525.00	-439,043.00	-321,424.00	2,217,852.00	-2,459,767.00	-1,626,329.00	-721,038.00
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	25,832.00	17,162.00	8,117.00	-13,519.00	12,486.00	7,852.00	2,860.00	-3,420.00	5,536.00	5,046.00	2,240.00	-14,979.00	24,805.00	13,277.00	5,658.00	20,114.00	9,008.00	3,496.00	0
Net Purchase/Sale of Investments Net	1,250,196.00	850,546.00	406,186.00	-55,355.00	691,400.00	297,865.00	138,209.00	-410,373.00	747,906.00	395,235.00	165,713.00	-1,586,410.00	1,686,953.00	1,409,201.00	962,957.00	-4,832,729.00	6,412,220.00	4,162,061.00	1,744,145.00
Net Purchase/Sale of Business	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Loan & Lease Activity	99,827.00	325,262.00	1,397,056.00	342,767.00	990,169.00
Other Investing Activities	-1,452,190.00	-952,316.00	-601,278.00	-1,281,511.00	-417,322.00	243,400.00	213,290.00	813,618.00	-567,584.00	-552,086.00	-365,692.00	2,310,255.00	-3,334,850.00	-2,553,700.00	-1,574,836.00	7,161,105.00	-9,030,760.00	-5,911,026.00	-2,669,683.00
Financing Cash Flow	297,183.00	47,828.00	289,660.00	666,422.00	-58,797.00	-598,236.00	-410,406.00	-1,334,502.00	-337,829.00	1,172,098.00	258,310.00	-659,657.00	378,873.00	559,626.00	314,249.00	-3,424,441.00	2,161,366.00	1,982,439.00	1,317,397.00
Net Issuance/Repayment of Debt	50,073.00	50,048.00	50,024.00	49,453.00	-49,919.00	-49,946.00	27.00	-1,775,049.00	1,975,077.00	1,350,051.00	425,025.00	724,953.00	-24,928.00	-24,952.00	24.00	157.00	-100,033.00	-56.00	-78.00
Net Issuance/Repurchase of Equity	7,636.00	6,209.00	4,629.00	175,186.00	169,873.00	168,405.00	4,744.00	-10,277.00	18,479.00	16,904.00	15,230.00	34,470.00	44,863.00	28,139.00	16,248.00	39,854.00	209,735.00	185,230.00	5,893.00
Dividends Paid	100,542.00	67,010.00	33,497.00	68,250.00	91,584.00	60,055.00	30,025.00	59,887.00	89,732.00	59,812.00	29,913.00	59,735.00	90,487.00	60,412.00	30,234.00	62,616.00	83,435.00	54,139.00	27,026.00
Other Financing Activities	138,932.00	-75,439.00	201,510.00	373,533.00	-270,335.00	-776,750.00	-445,202.00	390,937.00	-2,421,117.00	-254,669.00	-211,858.00	-1,478,815.00	268,451.00	496,027.00	267,743.00	-3,527,068.00	1,968,229.00	1,743,126.00	1,284,556.00
Net Change in Cash	221,652.00	5,112.00	171,629.00	-242,299.00	271,819.00	-75,606.00	-109,423.00	-1,127,012.00	250,459.00	1,271,675.00	210,218.00	-554,663.00	95,215.00	278,932.00	34,620.00	-1,502,001.00	41,874.00	567,379.00	778,766.00
Cash at Beginning of Period	763,571.00	763,571.00	763,571.00	1,005,870.00	1,000,944.00	1,000,944.00	1,000,944.00	2,127,956.00	401,767.00	401,767.00	401,767.00	956,430.00	560,434.00	560,434.00	560,434.00	2,062,435.00	614,088.00	614,088.00	614,088.00
Cash at End of Period	985,223.00	768,683.00	935,200.00	763,571.00	1,272,763.00	925,338.00	891,521.00	1,000,944.00	652,226.00	1,673,442.00	611,985.00	401,767.00	655,649.00	839,366.00	595,054.00	560,434.00	655,962.00	1,181,467.00	1,392,854.00
Free Cash Flow	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0