BSRR

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 10.18 9.51 9.44 9.63 10.27
Price to Sales 17.09 14.35 25.34 34.93 30.94
Book Value Per Common Share 75.36 68.56 59.07 71.22 67.04
Price to Book 0.38 0.33 0.36 0.38 0.36
Price to Operating Cash Flow 4.71 5.50 5.45 7.55 5.95
Price to Free Cash Flow
Enterprise Value to EBITDA 29988.56 31269.15 40196.31 67336.57 50731.24
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 13.32 20.62 42.24 13.69 16.46 31.56 9.82 13.47 29.69 11.16 19.58 50.98 11.09 17.08 36.71
Price to Sales 22.44 35.55 69.04 22.85 27.07 51.18 16.34 22.77 47.93 31.25 52.11 123.42 42.66 70.66 147.41
Book Value Per Common Share 26.71 26.00 25.45 75.36 24.88 24.19 23.56 68.56 21.01 20.90 20.40 59.07 19.56 19.82 21.59 71.22 23.70 23.21 22.58 67.04
Price to Book 1.08 1.14 1.10 0.38 1.16 0.92 0.86 0.33 0.90 0.81 0.84 0.36 1.01 1.10 1.16 0.38 1.02 1.10 1.19 0.36
Price to Operating Cash Flow 19.93 85.32 9.48 11.82 42.41 41.98 5.73 9.75 24.49 8.85 22.67 39.94 4.70 18.21 27.79
Price to Free Cash Flow
Enterprise Value to EBITDA 51802.71 80857.38 162604.93 51195.09 61424.97 118044.61 37276.65 53462.36 124357.69 70148.54 126072.73 320599.09 78392.44 120260.67 259115.22

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 19.83 5.33 -20.21 21.03
Revenue YoY 4.63 84.31 5.82 0.69
EBITDA YoY 28.56 33.09 30.21 -15.15
Net Profit YoY 16.40 3.52 -21.75 21.35
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 50.69 118.18 55.15 112.50 53.17 117.24 59.46 126.53 46.98 104.11
Revenue YoY 53.03 104.91 52.10 107.98 54.70 105.78 51.48 105.43 58.02 98.45
EBITDA YoY 49.77 112.04 54.27 110.32 59.05 125.59 63.29 121.29 46.09 104.61
Net Profit YoY 49.15 116.83 54.12 110.00 52.95 113.35 59.81 124.26 46.54 105.69

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 15.01 11.40 12.06 35.11 10.96
Quick Ratio
Current Ratio
Debt to Equity 4.68 5.15 5.59 4.27 4.24
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 7.03 9.50 11.56 15.07 9.27 12.77 8.22 11.33 6.00 6.97 5.58 11.89 5.79 10.81 16.88 35.05 27.70 24.53 22.74 10.84
Quick Ratio
Current Ratio
Debt to Equity 9.30 9.60 9.25 4.68 9.30 9.52 9.30 5.15 11.11 11.15 11.03 5.59 10.97 10.36 9.50 4.27 8.44 8.15 8.56 4.24
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 1.00 0.84 0.84 1.13 0.98
ROE 5.68 5.15 5.54 5.93 5.15
Gross Margin 81.00 82.44 13.06 69.19 27.33
Operating Margin 564.89 459.34 633.75 514.45 613.23
EBITDA Margin 567.41 461.79 639.50 519.69 616.73
Net Profit Margin 167.79 150.82 268.52 363.09 301.27
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
ROA 0.79 0.52 0.25 0.82 0.53 0.26 0.76 0.50 0.24 0.75 0.49 0.22 0.97 0.70 0.33
ROE 8.17 5.55 2.59 8.42 5.60 2.70 9.25 6.03 2.85 9.00 5.55 2.27 9.16 6.37 3.18
Gross Margin 60.69 72.27 64.86 87.53 91.45 98.31 99.08 98.28 95.17 53.91 49.59 80.26 71.76 66.31 90.96
Operating Margin 426.15 436.43 422.99 446.32 440.24 434.81 434.13 422.16 385.61 442.54 409.58 377.14 544.25 588.89 569.82
EBITDA Margin 429.94 439.30 424.53 448.90 442.59 437.67 436.61 424.67 387.38 448.97 416.49 386.64 549.03 593.88 576.00
Net Profit Margin 168.18 172.56 163.07 166.70 164.52 162.94 166.73 168.64 162.66 280.61 265.99 243.65 384.82 414.97 400.36

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 4,059,036.00 4,155,653.00 4,003,503.00 3,820,377.00 3,600,923.00
   Deposits 2,891,668.00 2,761,223.00 2,846,164.00 2,781,572.00 2,624,606.00
      Cash and Short-Term Investments 214,395.00 167,641.00 180,361.00 535,199.00 166,834.00
            Cash and Cash Equivalents 214,395.00 167,641.00 180,361.00 535,199.00 166,834.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 15,999.00 20,347.00 18,354.00 14,256.00 17,738.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 43,231.00 42,707.00 29,378.00 29,071.00 34,705.00
      Goodwill 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00
      Intangible Assets 618.00 1,399.00 2,275.00 3,275.00 4,307.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 22,671.00 28,682.00 34,984.00 3,792.00 839.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 3,344,432.00 3,479,459.00 3,396,339.00 3,095,389.00 2,913,131.00
      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 108,860.00 387,621.00 328,169.00 106,937.00 142,900.00
      Other Current Liabilities 0 0 0 0 0
      Long-Term Debt 49,393.00 49,304.00 49,214.00 49,141.00 0
      Other Non-Current Liabilities 0 0 0 0 0
Equity 714,604.00 676,194.00 607,164.00 724,988.00 687,792.00
   Shareholders Equity 1,071,906.00 1,014,291.00 896,116.00 1,087,482.00 1,031,688.00
      Capital Stock 222,439.00 225,473.00 112,928.00 229,924.00 230,504.00
      Share Premium 4,509.00 4,581.00 4,148.00 3,910.00 3,736.00
      Retained Earnings 275,085.00 259,050.00 243,082.00 234,410.00 208,371.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -31,257.00 -35,980.00 -56,576.00 11,167.00 18,405.00
   Minority Interest 0 0 0 0 0
Investments 77,028.00 164,981.00 169,486.00 9,721,248.00 5,382,571.00
Debt 170,462.00 169,928.00 169,390.00 168,886.00 213,148.00
Net Debt 0 2,287.00 0 0 46,314.00
Common Shares Outstanding 14,223.05 14,793.83 15,170.37 15,270.01 15,388.42
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 24,173.00 23,103.00 12,535.00 11,846.00 11,765.00
Cost Of Revenue 4,593.00 4,058.00 10,898.00 3,650.00 8,550.00
Interest Income 172,348.00 163,121.00 121,819.00 113,076.00 110,243.00
Interest Expense 52,319.00 50,716.00 12,204.00 4,050.00 5,408.00
Net Interest 120,029.00 112,405.00 109,615.00 109,026.00 104,835.00
Non-Interest Income 31,521.00 30,400.00 30,770.00 28,079.00 26,150.00
Non-Interest Expense 92,890.00 92,660.00 84,803.00 83,556.00 75,912.00
Provisions for Credit Losses 4,593.00 4,058.00 10,898.00 -3,650.00 8,550.00
Gross Profit 19,580.00 19,045.00 1,637.00 8,196.00 3,215.00
   Selling, General and Administrative Expenses 12,374.00 10,160.00 9,718.00 9,837.00 9,842.00
EBT 84,231.00 55,406.00 67,236.00 56,892.00 66,739.00
Income Tax 10,932.00 9,297.00 9,577.00 13,150.00 10,256.00
Net Income 40,560.00 34,844.00 33,659.00 43,012.00 35,444.00
EBIT 136,550.00 106,122.00 79,440.00 60,942.00 72,147.00
Deprecation and Amortization 611.00 565.00 721.00 621.00 411.00
EBITDA 137,161.00 106,687.00 80,161.00 61,563.00 72,558.00
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 14,284.40 14,706.14 14,955.76 15,241.96 15,216.75
Average Shares Outstanding Diluted 14,396.02 14,737.87 15,022.75 15,353.44 15,280.33
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 87,787.00 60,256.00 58,325.00 54,828.00 61,203.00
   Operating Net Income 40,560.00 34,844.00 33,659.00 43,012.00 35,444.00
   Deprecation and Amortization 611.00 565.00 721.00 621.00 411.00
   Deferred Income Tax 4,028.00 -2,343.00 -2,759.00 85.00 -2,611.00
   Share Based Compensation 1,956.00 1,749.00 1,284.00 995.00 688.00
   Change in Working Capital 28,939.00 44,089.00 43,033.00 -1,226.00 -7,435.00
   Other Operating Activities 11,693.00 -18,648.00 -17,613.00 11,341.00 34,706.00
Investing Cash Flow 141,227.00 -83,690.00 -480,996.00 -4,380.00 -627,252.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 5,649.00 21,494.00 1,272.00 1,797.00 2,916.00
   Net Purchase/Sale of Investments Net 484,434.00 293,894.00 583,404.00 578,712.00 104,499.00
   Net Purchase/Sale of Business 0 0 0 0 0
   Net Loan & Lease Activity 246,875.00 60,025.00 76,225.00 -472,589.00 697,305.00
   Other Investing Activities -595,731.00 -459,103.00 -1,141,897.00 -112,300.00 -1,431,972.00
Financing Cash Flow -204,322.00 9,243.00 248,230.00 143,806.00 564,571.00
   Net Issuance/Repayment of Debt 131,739.00 72,952.00 -122,768.00 266,081.00 -86,573.00
   Net Issuance/Repurchase of Equity 34,634.00 17,840.00 11,012.00 11,003.00 6,674.00
   Dividends Paid 13,634.00 13,714.00 13,919.00 13,232.00 12,207.00
   Other Financing Activities -384,329.00 -95,263.00 346,067.00 -146,510.00 632,263.00
Net Change in Cash 24,692.00 -14,191.00 -174,441.00 194,254.00 -8,660.00
   Cash at Beginning of Period 75,972.00 92,793.00 251,572.00 63,274.00 0
   Cash at End of Period 100,664.00 78,602.00 77,131.00 257,528.00 0
Free Cash Flow 0 0 0 0 0
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
Assets 3,709,377.00 3,770,302.00 3,606,183.00 4,059,036.00 3,696,154.00 3,681,202.00 3,553,072.00 4,155,653.00 3,738,880.00 3,762,461.00 3,693,984.00 4,003,503.00 3,532,289.00 3,396,635.00 3,418,854.00 3,820,377.00 3,442,739.00 3,272,048.00 3,326,037.00 3,600,923.00
   Deposits 2,932,760.00 2,974,469.00 2,849,884.00 2,891,668.00 2,962,159.00 2,942,410.00 2,847,004.00 2,761,223.00 2,869,720.00 2,918,759.00 2,948,988.00 2,846,164.00 2,885,468.00 2,850,999.00 2,864,943.00 2,781,572.00 2,820,646.00 2,775,914.00 2,853,892.00 2,624,606.00
      Cash and Short-Term Investments 95,501.00 130,012.00 159,711.00 214,395.00 132,797.00 183,990.00 119,244.00 167,641.00 88,542.00 103,483.00 83,506.00 180,361.00 86,683.00 161,875.00 253,534.00 535,199.00 422,350.00 373,902.00 346,211.00 166,834.00
            Cash and Cash Equivalents 95,501.00 130,012.00 159,711.00 214,395.00 132,797.00 183,990.00 119,244.00 167,641.00 88,542.00 103,483.00 83,506.00 180,361.00 86,683.00 161,875.00 253,534.00 535,199.00 422,350.00 373,902.00 346,211.00 166,834.00
            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 15,999.00 0 0 0 20,347.00 0 0 0 18,354.00 0 0 22,530.00 14,256.00 15,617.00 16,421.00 18,319.00 17,738.00
      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 41,855.00 41,908.00 15,338.00 43,231.00 15,647.00 16,007.00 16,067.00 42,707.00 21,926.00 22,072.00 22,321.00 29,378.00 22,688.00 22,937.00 23,239.00 29,071.00 24,490.00 25,949.00 33,095.00 34,705.00
      Goodwill 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00 27,357.00
      Intangible Assets 0 0 0 618.00 0 0 0 1,399.00 0 0 0 2,275.00 0 0 0 3,275.00 0 0 0 4,307.00
      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 22,671.00 0 0 0 28,682.00 0 0 0 34,984.00 0 0 0 3,792.00 0 0 0 839.00
      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 3,349,294.00 3,414,595.00 3,254,427.00 3,344,432.00 3,337,456.00 3,331,182.00 3,207,978.00 3,479,459.00 3,430,021.00 3,452,869.00 3,386,974.00 3,396,339.00 3,237,217.00 3,097,588.00 3,093,163.00 3,095,389.00 3,078,232.00 2,914,319.00 2,978,056.00 2,913,131.00
      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 0 108,860.00 0 0 0 387,621.00 0 0 0 328,169.00 0 0 0 106,937.00 0 0 5,000.00 142,900.00
      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 49,461.00 49,438.00 49,416.00 49,393.00 49,371.00 49,348.00 49,326.00 49,304.00 49,281.00 49,259.00 49,236.00 49,214.00 49,196.00 49,173.00 49,151.00 49,141.00 49,221.00 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 360,083.00 355,707.00 351,756.00 714,604.00 358,698.00 350,020.00 345,094.00 676,194.00 308,859.00 309,592.00 307,010.00 607,164.00 295,072.00 299,047.00 325,691.00 724,988.00 364,507.00 357,729.00 347,981.00 687,792.00
   Shareholders Equity 360,083.00 355,707.00 351,756.00 1,071,906.00 358,698.00 350,020.00 345,094.00 1,014,291.00 308,859.00 309,592.00 307,010.00 896,116.00 295,072.00 299,047.00 325,691.00 1,087,482.00 364,507.00 357,729.00 347,981.00 1,031,688.00
      Capital Stock 104,012.00 105,045.00 106,277.00 222,439.00 108,435.00 107,929.00 109,295.00 225,473.00 109,638.00 110,097.00 111,801.00 112,928.00 112,111.00 111,727.00 111,673.00 229,924.00 114,096.00 113,453.00 113,453.00 230,504.00
      Share Premium 5,081.00 4,968.00 4,429.00 4,509.00 5,263.00 5,336.00 4,815.00 4,581.00 4,934.00 4,887.00 4,561.00 4,148.00 4,470.00 4,585.00 4,281.00 3,910.00 3,710.00 4,190.00 3,961.00 3,736.00
      Retained Earnings 276,155.00 274,354.00 269,931.00 275,085.00 273,575.00 267,478.00 262,906.00 259,050.00 256,201.00 251,119.00 246,723.00 243,082.00 239,496.00 233,179.00 227,445.00 234,410.00 231,717.00 224,689.00 216,218.00 208,371.00
      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 -25,165.00 -28,660.00 -28,881.00 -31,257.00 -28,575.00 -30,723.00 -31,922.00 -35,980.00 -61,914.00 -56,511.00 -56,075.00 -56,576.00 -61,005.00 -50,444.00 -17,708.00 11,167.00 14,984.00 15,397.00 14,349.00 18,405.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 70,409.00 87,487.00 80,655.00 77,028.00 68,866.00 101,085.00 92,029.00 164,981.00 155,390.00 169,487.00 172,090.00 169,486.00 288,539.00 220,579.00 9,884,297.00 9,721,248.00 7,234,823.00 6,034,531.00 5,481,176.00 5,382,571.00
Debt 108,545.00 108,160.00 85,299.00 170,462.00 85,165.00 85,097.00 85,030.00 169,928.00 84,896.00 84,829.00 84,762.00 169,390.00 84,632.00 84,565.00 84,498.00 168,886.00 84,479.00 35,213.00 40,169.00 213,148.00
Net Debt 13,044.00 0 0 0 0 0 0 2,287.00 0 0 1,256.00 0 0 0 0 0 0 0 0 46,314.00
Common Shares Outstanding 13,482.46 13,681.83 13,818.77 14,223.05 14,414.56 14,466.87 14,645.30 14,793.83 14,702.08 14,811.74 15,050.74 15,170.37 15,085.67 15,090.79 15,086.03 15,270.01 15,382.52 15,410.76 15,410.76 15,388.42
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 17,501.00 11,436.00 5,581.00 -11,576.00 18,114.00 11,909.00 5,726.00 -10,475.00 17,127.00 11,071.00 5,380.00 -6,210.00 9,460.00 6,245.00 3,040.00 -5,089.00 8,677.00 5,491.00 2,767.00
Cost Of Revenue 6,880.00 3,171.00 1,961.00 1,220.00 2,258.00 1,018.00 97.00 3,451.00 157.00 190.00 260.00 2,790.00 4,360.00 3,148.00 600.00 -900.00 2,450.00 1,850.00 250.00
Interest Income 128,108.00 84,170.00 41,453.00 -82,321.00 129,253.00 84,455.00 40,961.00 -73,270.00 120,678.00 78,294.00 37,419.00 -44,765.00 86,216.00 54,287.00 26,081.00 -59,111.00 85,179.00 57,550.00 29,458.00
Interest Expense 35,374.00 23,405.00 11,341.00 -25,070.00 39,577.00 25,568.00 12,244.00 -16,559.00 36,143.00 21,845.00 9,287.00 1,971.00 5,963.00 2,945.00 1,325.00 -1,378.00 2,719.00 1,806.00 903.00
Net Interest 92,734.00 60,765.00 30,112.00 -57,251.00 89,676.00 58,887.00 28,717.00 -56,711.00 84,535.00 56,449.00 28,132.00 -46,736.00 80,253.00 51,342.00 24,756.00 -57,733.00 82,460.00 55,744.00 28,555.00
Non-Interest Income 23,252.00 15,195.00 6,642.00 -17,296.00 24,009.00 16,219.00 8,589.00 -13,127.00 22,355.00 14,593.00 6,579.00 -14,909.00 23,114.00 16,502.00 6,063.00 -13,170.00 20,977.00 13,442.00 6,830.00
Non-Interest Expense 69,819.00 46,184.00 22,417.00 -48,882.00 70,028.00 47,218.00 24,526.00 -44,814.00 68,522.00 45,960.00 22,992.00 -40,938.00 63,282.00 42,286.00 20,173.00 -38,602.00 61,381.00 40,506.00 20,271.00
Provisions for Credit Losses 6,880.00 3,171.00 1,961.00 1,220.00 2,258.00 1,018.00 97.00 3,451.00 157.00 190.00 260.00 2,790.00 4,360.00 3,148.00 600.00 400.00 -2,450.00 -1,850.00 250.00
Gross Profit 10,621.00 8,265.00 3,620.00 -12,796.00 15,856.00 10,891.00 5,629.00 -13,926.00 16,970.00 10,881.00 5,120.00 -9,000.00 5,100.00 3,097.00 2,440.00 -4,189.00 6,227.00 3,641.00 2,517.00
   Selling, General and Administrative Expenses 9,354.00 6,120.00 2,978.00 -6,001.00 9,173.00 6,177.00 3,025.00 -4,190.00 7,251.00 4,769.00 2,330.00 -4,445.00 7,170.00 4,699.00 2,294.00 -5,233.00 7,472.00 5,112.00 2,486.00
EBT 39,207.00 26,505.00 12,266.00 3,448.00 41,270.00 26,860.00 12,653.00 -19,156.00 38,211.00 24,892.00 11,459.00 -1,438.00 35,901.00 22,633.00 10,140.00 -33,008.00 44,506.00 30,530.00 14,864.00
Income Tax 9,774.00 6,771.00 3,165.00 -10,732.00 11,074.00 7,267.00 3,323.00 -9,289.00 9,656.00 6,222.00 2,708.00 -8,533.00 9,355.00 6,022.00 2,733.00 -9,495.00 11,115.00 7,744.00 3,786.00
Net Income 29,433.00 19,734.00 9,101.00 -18,559.00 30,196.00 19,593.00 9,330.00 -21,132.00 28,555.00 18,670.00 8,751.00 -16,905.00 26,546.00 16,611.00 7,407.00 -24,243.00 33,391.00 22,786.00 11,078.00
EBIT 74,581.00 49,910.00 23,607.00 -21,622.00 80,847.00 52,428.00 24,897.00 -35,715.00 74,354.00 46,737.00 20,746.00 533.00 41,864.00 25,578.00 11,465.00 -34,386.00 47,225.00 32,336.00 15,767.00
Deprecation and Amortization 662.00 328.00 86.00 -300.00 467.00 280.00 164.00 -233.00 425.00 278.00 95.00 -609.00 609.00 432.00 289.00 -238.00 414.00 274.00 171.00
EBITDA 75,243.00 50,238.00 23,693.00 -21,922.00 81,314.00 52,708.00 25,061.00 -35,948.00 74,779.00 47,015.00 20,841.00 -76.00 42,473.00 26,010.00 11,754.00 -34,624.00 47,639.00 32,610.00 15,938.00
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 13,582.19 13,692.00 13,820.01 13,893.74 14,331.03 14,404.37 14,508.47 14,237.44 14,762.23 14,853.05 14,971.84 14,856.87 14,968.24 14,976.77 15,021.14 15,254.89 15,247.48 15,242.45 15,223.01
Average Shares Outstanding Diluted 13,674.93 13,777.01 13,916.34 14,125.19 14,437.79 14,467.48 14,553.63 29,284.28 14,791.70 14,875.51 0 14,859.34 15,046.88 15,063.80 15,120.99 15,340.85 15,369.25 15,365.97 15,337.71
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 19,705.00 4,765.00 40,625.00 38,199.00 35,006.00 7,601.00 6,981.00 -24,998.00 48,867.00 25,860.00 10,527.00 1,173.00 33,405.00 14,353.00 9,394.00 -59,892.00 78,740.00 21,301.00 14,679.00
   Operating Net Income 29,433.00 19,734.00 9,101.00 -18,559.00 30,196.00 19,593.00 9,330.00 -21,132.00 28,555.00 18,670.00 8,751.00 -16,905.00 26,546.00 16,611.00 7,407.00 -24,243.00 33,391.00 22,786.00 11,078.00
   Deprecation and Amortization 662.00 328.00 86.00 -300.00 467.00 280.00 164.00 -233.00 425.00 278.00 95.00 -609.00 609.00 432.00 289.00 -238.00 414.00 274.00 171.00
   Deferred Income Tax 690.00 -338.00 -155.00 4,879.00 -425.00 -289.00 -137.00 -1,646.00 -347.00 -231.00 -119.00 1,241.00 -2,397.00 -2,414.00 811.00 6,846.00 -2,702.00 -2,057.00 -2,002.00
   Share Based Compensation 1,477.00 1,041.00 502.00 -924.00 1,385.00 1,008.00 487.00 -723.00 1,240.00 819.00 413.00 -721.00 958.00 676.00 371.00 -395.00 681.00 469.00 240.00
   Change in Working Capital -22,642.00 -14,898.00 30,236.00 8,046.00 17,227.00 9,030.00 -5,364.00 27,644.00 19,149.00 4,389.00 -7,093.00 -13,916.00 33,191.00 23,208.00 550.00 -41,780.00 47,941.00 -1,055.00 -6,332.00
   Other Operating Activities 10,085.00 -1,102.00 855.00 45,057.00 -13,844.00 -22,021.00 2,501.00 -28,908.00 -155.00 1,935.00 8,480.00 32,083.00 -25,502.00 -24,160.00 -34.00 -82.00 -985.00 884.00 11,524.00
Investing Cash Flow -103,920.00 -125,539.00 67,635.00 -348,008.00 98,655.00 170,084.00 220,496.00 254,752.00 -125,609.00 -129,376.00 -83,457.00 187,779.00 -400,882.00 -178,702.00 -89,191.00 -538,147.00 126,457.00 247,793.00 159,517.00
   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 1,080.00 836.00 385.00 -9,965.00 5,422.00 5,305.00 4,887.00 19,171.00 1,138.00 747.00 438.00 -458.00 899.00 566.00 265.00 46.00 1,400.00 283.00 68.00
   Net Purchase/Sale of Investments Net 322,298.00 258,255.00 166,363.00 -505,230.00 424,738.00 298,026.00 266,900.00 -466,211.00 288,410.00 286,310.00 185,385.00 -321,559.00 485,055.00 245,800.00 174,108.00 102,098.00 294,500.00 134,696.00 47,418.00
   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 246,875.00 60,025.00 76,225.00 -472,589.00 697,305.00
   Other Investing Activities -595,820.00 -493,977.00 -73,949.00 373,561.00 -567,774.00 -283,131.00 -118,387.00 751,572.00 -482,676.00 -458,297.00 -269,702.00 503,646.00 -923,122.00 -462,771.00 -259,650.00 -986,300.00 153,908.00 432,511.00 287,581.00
Financing Cash Flow 79,052.00 150,122.00 -49,213.00 134,276.00 -79,466.00 -72,297.00 -186,835.00 -288,083.00 88,153.00 129,868.00 79,305.00 -92,901.00 196,632.00 68,696.00 75,803.00 -135,919.00 145,736.00 33,391.00 100,598.00
   Net Issuance/Repayment of Debt -8,111.00 -22,351.00 9,896.00 -332,286.00 148,413.00 170,882.00 144,730.00 39,011.00 55,696.00 18,353.00 -40,108.00 -139,743.00 5,075.00 11,077.00 823.00 119,659.00 102,636.00 31,397.00 12,389.00
   Net Issuance/Repurchase of Equity 25,039.00 18,787.00 14,775.00 14,922.00 9,144.00 7,118.00 3,450.00 -140.00 8,738.00 6,526.00 2,716.00 -4,033.00 5,226.00 4,936.00 4,883.00 10,509.00 386.00 54.00 54.00
   Dividends Paid 10,346.00 6,963.00 3,514.00 -6,689.00 10,179.00 6,748.00 3,396.00 -7,096.00 10,361.00 6,954.00 3,495.00 -7,016.00 10,449.00 6,978.00 3,508.00 -6,309.00 9,842.00 6,468.00 3,231.00
   Other Financing Activities 51,778.00 146,723.00 -77,398.00 458,329.00 -247,202.00 -257,045.00 -338,411.00 -319,858.00 13,358.00 98,035.00 113,202.00 57,891.00 175,882.00 45,705.00 66,589.00 -259,778.00 32,872.00 -4,528.00 84,924.00
Net Change in Cash -5,163.00 29,348.00 59,047.00 -175,533.00 54,195.00 105,388.00 40,642.00 -58,329.00 11,411.00 26,352.00 6,375.00 96,051.00 -170,845.00 -95,653.00 -3,994.00 -733,958.00 350,933.00 302,485.00 274,794.00
   Cash at Beginning of Period 100,664.00 100,664.00 100,664.00 276,197.00 78,602.00 78,602.00 78,602.00 136,931.00 77,131.00 77,131.00 77,131.00 -18,920.00 257,528.00 257,528.00 257,528.00 991,486.00 0 0 0
   Cash at End of Period 95,501.00 130,012.00 159,711.00 100,664.00 132,797.00 183,990.00 119,244.00 78,602.00 88,542.00 103,483.00 83,506.00 77,131.00 86,683.00 161,875.00 253,534.00 257,528.00 0 0 0
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0