CMA
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 12.22 | 8.63 | 7.81 | 10.18 | 16.98 |
| Price to Sales | 10.66 | 9.23 | 11.11 | 14.76 | 10.24 |
| Book Value Per Common Share | |||||
| Price to Book | |||||
| Price to Operating Cash Flow | 13.69 | 5.89 | 13.73 | 18.53 | 8.37 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 50.38 | 41.71 | 46.87 | 44.71 | 55.55 | 18.02 | 27.03 | 65.06 | 28.81 |
| Price to Sales | 10.52 | 9.19 | 42.60 | 9.76 | 38.82 | 29.32 | 47.04 | 61.06 | 51.77 |
| Book Value Per Common Share | 58.23 | 52.90 | 55.50 | ||||||
| Price to Book | 1.18 | 1.13 | 1.08 | ||||||
| Price to Operating Cash Flow | -32.66 | 16.39 | 28.56 | 7.54 | -35.41 | 12.31 | -16.69 | 63.17 | |
| Price to Free Cash Flow | -29.19 | 17.37 | 7.80 | ||||||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -21.79 | -24.42 | 0.12 | 159.88 | |
| Revenue YoY | -3.26 | 1.27 | -1.01 | 5.01 | |
| EBITDA YoY | |||||
| Net Profit YoY | -21.43 | -23.89 | -1.58 | 148.37 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | -4.90 | 13.49 | -5.97 | 35.35 | -58.92 | -8.37 | 89.21 | -44.18 | |
| Revenue YoY | -1.30 | 363.93 | -77.44 | 333.69 | -3.61 | -2.02 | 2.06 | 0.00 | |
| EBITDA YoY | |||||||||
| Net Profit YoY | -6.42 | 13.33 | -6.78 | 35.11 | -58.68 | -7.58 | 88.46 | -46.94 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 53.98 | 75.01 | 49.15 | 169.45 | 114.67 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 11.12 | 12.40 | 15.48 | 10.98 | 9.95 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 46.75 | 41.67 | 84.64 | 46.79 | 104.82 | 107.48 | |||
| Quick Ratio | |||||||||
| Current Ratio | |||||||||
| Debt to Equity | 9.42 | 10.37 | 10.01 | 9.82 | 12.13 | 14.20 | 15.60 | 11.67 | 9.59 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.85 | 0.99 | 1.31 | 1.20 | 0.52 |
| ROE | 10.26 | 13.33 | 21.66 | 14.44 | 5.70 |
| Gross Margin | 68.26 | 44.24 | 61.93 | -141.21 | -259.23 |
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 86.92 | 107.02 | 142.39 | 143.22 | 60.55 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.23 | 0.24 | 0.21 | 0.22 | 0.16 | 0.35 | 0.41 | 0.20 | 0.40 |
| ROE | 2.36 | 2.73 | 2.34 | 2.40 | 2.17 | 5.29 | 6.77 | 2.59 | 4.21 |
| Gross Margin | 45.36 | 62.57 | 22.68 | 29.29 | 71.65 | -376.29 | |||
| Operating Margin | |||||||||
| EBITDA Margin | |||||||||
| Net Profit Margin | 20.88 | 22.03 | 90.16 | 21.82 | 70.05 | 163.40 | 173.23 | 93.81 | 176.80 |
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 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | ||||||
| Dividend Payout Ratio | 55.43 | 51.87 | 55.93 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 79,297,000.00 | 85,834,000.00 | 85,406,000.00 | 94,616,000.00 | 88,129,000.00 |
| Deposits | 162,474,000.00 | 164,151,000.00 | 172,309,000.00 | 199,194,000.00 | 176,988,000.00 |
| Cash and Short-Term Investments | 7,179,000.00 | 9,901,000.00 | 6,439,000.00 | 22,876,000.00 | 15,939,000.00 |
| Cash and Cash Equivalents | 6,804,000.00 | 9,502,000.00 | 6,282,000.00 | 22,679,000.00 | 15,767,000.00 |
| Short-Term Investments | 375,000.00 | 399,000.00 | 157,000.00 | 197,000.00 | 172,000.00 |
| Net Receivables | 38,000.00 | 728,000.00 | 661,000.00 | 618,000.00 | 992,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 473,000.00 | 445,000.00 | 400,000.00 | 454,000.00 | 765,000.00 |
| Real Estate | 4,000.00 | 0 | 0 | 0 | 0 |
| Goodwill | 635,000.00 | 635,000.00 | 635,000.00 | 635,000.00 | 635,000.00 |
| 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 | 72,754,000.00 | 79,428,000.00 | 80,225,000.00 | 86,719,000.00 | 80,079,000.00 |
| 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 | 3,565,000.00 | 3,211,000.00 | 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 | 6,543,000.00 | 6,406,000.00 | 5,181,000.00 | 7,897,000.00 | 8,050,000.00 |
| Shareholders Equity | 0 | 0 | 0 | 0 | 0 |
| Capital Stock | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 |
| Share Premium | 2,218,000.00 | 2,224,000.00 | 2,220,000.00 | 2,175,000.00 | 2,185,000.00 |
| Retained Earnings | 12,017,000.00 | 11,727,000.00 | 11,258,000.00 | 10,494,000.00 | 9,623,000.00 |
| Treasury Shares | -6,066,000.00 | -6,032,000.00 | -6,090,000.00 | 6,095,000.00 | -5,461,000.00 |
| Accumulated Other Comprehensive Income | -3,161,000.00 | -3,048,000.00 | -3,742,000.00 | -212,000.00 | 168,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 15,420,000.00 | 17,268,000.00 | 19,169,000.00 | 17,183,000.00 | 172,000.00 |
| Debt | 6,673,000.00 | 9,771,000.00 | 6,235,000.00 | 2,796,000.00 | 5,728,000.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 772,000.00 | 798,000.00 | 788,000.00 | 796,000.00 | 758,000.00 |
| Cost Of Revenue | 245,000.00 | 445,000.00 | 300,000.00 | 1,920,000.00 | 2,723,000.00 |
| Interest Income | 4,330,000.00 | 4,633,000.00 | 2,790,000.00 | 1,929,000.00 | 2,126,000.00 |
| Interest Expense | 1,749,000.00 | 1,661,000.00 | 206,000.00 | 57,000.00 | 182,000.00 |
| Net Interest | 2,190,000.00 | 2,514,000.00 | 2,466,000.00 | 1,844,000.00 | 3,885,000.00 |
| Non-Interest Income | 2,171,000.00 | 2,205,000.00 | 2,177,000.00 | 2,304,000.00 | 2,463,000.00 |
| Non-Interest Expense | -4,614,000.00 | -4,718,000.00 | -3,996,000.00 | -3,722,000.00 | -4,020,000.00 |
| Provisions for Credit Losses | 245,000.00 | 445,000.00 | -300,000.00 | 1,920,000.00 | -2,723,000.00 |
| Gross Profit | 527,000.00 | 353,000.00 | 488,000.00 | -1,124,000.00 | -1,965,000.00 |
| Selling, General and Administrative Expenses | 403,000.00 | 211,000.00 | 213,000.00 | 196,000.00 | 196,000.00 |
| EBT | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 354,000.00 | 507,000.00 | 633,000.00 | 628,000.00 | 215,000.00 |
| Net Income Including Non-Controlling Interests | 2,792,000.00 | 3,524,000.00 | 4,604,000.00 | 4,686,000.00 | 1,931,000.00 |
| Net Income Non-Controlling Interests | -2,121,000.00 | -2,670,000.00 | -3,482,000.00 | -3,546,000.00 | -1,472,000.00 |
| Net Income | 671,000.00 | 854,000.00 | 1,122,000.00 | 1,140,000.00 | 459,000.00 |
| Deprecation and Amortization | 103,000.00 | 106,000.00 | 122,000.00 | 135,000.00 | 123,000.00 |
| EPS | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Diluted EPS | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 |
| Average Shares Outstanding Basic | 133,000.00 | 132,000.00 | 131,000.00 | 135,000.00 | 139,000.00 |
| Average Shares Outstanding Diluted | 134,000.00 | 133,000.00 | 133,000.00 | 137,000.00 | 140,000.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 601,000.00 | 1,251,000.00 | 638,000.00 | 634,000.00 | 928,000.00 |
| Operating Net Income | 698,000.00 | 881,000.00 | 1,151,000.00 | 1,168,000.00 | 474,000.00 |
| Deprecation and Amortization | 103,000.00 | 106,000.00 | 122,000.00 | 135,000.00 | 123,000.00 |
| Deferred Income Tax | -1,000.00 | -92,000.00 | -27,000.00 | 79,000.00 | -89,000.00 |
| Share Based Compensation | 54,000.00 | 52,000.00 | 60,000.00 | 41,000.00 | 24,000.00 |
| Change in Working Capital | -340,000.00 | 343,000.00 | -483,000.00 | -337,000.00 | -140,000.00 |
| Other Operating Activities | 87,000.00 | -39,000.00 | -185,000.00 | -452,000.00 | 536,000.00 |
| Investing Cash Flow | 3,261,000.00 | 3,494,000.00 | -9,952,000.00 | 1,723,000.00 | 4,602,000.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of Investments Net | 1,697,000.00 | 2,485,000.00 | -4,959,000.00 | -2,400,000.00 | 3,350,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 1,514,000.00 | 1,265,000.00 | -4,824,000.00 | 4,067,000.00 | -2,136,000.00 |
| Other Investing Activities | 50,000.00 | -256,000.00 | -169,000.00 | 56,000.00 | 3,388,000.00 |
| Financing Cash Flow | -6,560,000.00 | -1,525,000.00 | -7,083,000.00 | 4,555,000.00 | 13,623,000.00 |
| Net Issuance/Repayment of Debt | -3,065,000.00 | 3,504,000.00 | 3,711,000.00 | 2,800,000.00 | -1,746,000.00 |
| Net Issuance/Repurchase of Equity | 122,000.00 | 35,000.00 | 71,000.00 | 763,000.00 | 203,000.00 |
| Dividends Paid | 400,000.00 | 394,000.00 | 376,000.00 | 392,000.00 | 383,000.00 |
| Other Financing Activities | -4,017,000.00 | -5,458,000.00 | -11,241,000.00 | 600,000.00 | 14,783,000.00 |
| Net Change in Cash | -2,698,000.00 | 3,220,000.00 | -16,397,000.00 | 0 | 0 |
| Cash at Beginning of Period | 9,502,000.00 | 6,282,000.00 | 22,679,000.00 | 0 | 0 |
| Cash at End of Period | 6,804,000.00 | 9,502,000.00 | 6,282,000.00 | 0 | 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 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 77,376,000.00 | 77,988,000.00 | 77,622,000.00 | 79,297,000.00 | 79,663,000.00 | 79,444,000.00 | 85,834,000.00 | 91,127,000.00 | 85,406,000.00 | 84,143,000.00 | 89,165,000.00 | 94,616,000.00 | 86,291,000.00 | 88,129,000.00 |
| Deposits | 0 | 0 | 157,186,000.00 | 162,474,000.00 | 0 | 158,048,000.00 | 164,151,000.00 | 156,733,000.00 | 172,309,000.00 | 175,070,000.00 | 188,262,000.00 | 199,194,000.00 | 180,428,000.00 | 176,988,000.00 |
| Cash and Short-Term Investments | 0 | 0 | 6,171,000.00 | 7,179,000.00 | 0 | 5,501,000.00 | 9,901,000.00 | 11,088,000.00 | 6,439,000.00 | 6,129,000.00 | 13,731,000.00 | 22,876,000.00 | 15,047,000.00 | 15,939,000.00 |
| Cash and Cash Equivalents | 5,039,000.00 | 5,288,000.00 | 5,792,000.00 | 6,804,000.00 | 6,393,000.00 | 5,135,000.00 | 9,502,000.00 | 10,734,000.00 | 6,282,000.00 | 5,970,000.00 | 13,550,000.00 | 22,679,000.00 | 14,871,000.00 | 15,767,000.00 |
| Short-Term Investments | 11,941,000.00 | 7,608,000.00 | 379,000.00 | 375,000.00 | 1,336,000.00 | 366,000.00 | 399,000.00 | 354,000.00 | 157,000.00 | 159,000.00 | 181,000.00 | 197,000.00 | 176,000.00 | 172,000.00 |
| Net Receivables | 782,000.00 | 754,000.00 | 37,000.00 | 38,000.00 | 767,000.00 | 728,000.00 | 728,000.00 | 693,000.00 | 661,000.00 | 624,000.00 | 599,000.00 | 618,000.00 | 807,000.00 | 992,000.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 432,000.00 | 436,000.00 | 447,000.00 | 473,000.00 | 476,000.00 | 462,000.00 | 445,000.00 | 399,000.00 | 400,000.00 | 412,000.00 | 444,000.00 | 454,000.00 | 456,000.00 | 765,000.00 |
| Real Estate | 0 | 0 | 3,000.00 | 4,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 635,000.00 | 635,000.00 | 0 | 0 | 635,000.00 | 0 | 635,000.00 | 0 | 0 | 635,000.00 | 0 | 635,000.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 11,941,000.00 | 7,608,000.00 | 0 | 0 | 16,250,000.00 | 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 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 69,947,000.00 | 71,128,000.00 | 70,570,000.00 | 72,754,000.00 | 72,297,000.00 | 73,394,000.00 | 79,428,000.00 | 85,133,000.00 | 80,225,000.00 | 79,074,000.00 | 82,129,000.00 | 86,719,000.00 | 78,139,000.00 | 80,079,000.00 |
| Payables and Expenses | 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 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 2,925,000.00 | 0 | 0 | 0 | 0 | 3,565,000.00 | 0 | 3,211,000.00 | 508,000.00 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 5,422,000.00 | 5,762,000.00 | 0 | 0 | 6,786,000.00 | 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 |
| Equity | 7,429,000.00 | 6,860,000.00 | 7,052,000.00 | 6,543,000.00 | 7,366,000.00 | 6,050,000.00 | 6,406,000.00 | 5,994,000.00 | 5,181,000.00 | 5,069,000.00 | 7,036,000.00 | 7,897,000.00 | 8,152,000.00 | 8,050,000.00 |
| Shareholders Equity | 7,429,000.00 | 6,860,000.00 | 0 | 0 | 7,366,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capital Stock | 1,533,000.00 | 1,141,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 | 1,535,000.00 |
| Share Premium | 2,197,000.00 | 2,199,000.00 | 2,198,000.00 | 2,218,000.00 | 2,217,000.00 | 2,202,000.00 | 2,224,000.00 | 2,209,000.00 | 2,220,000.00 | 2,209,000.00 | 2,194,000.00 | 2,175,000.00 | 2,183,000.00 | 2,185,000.00 |
| Retained Earnings | 12,268,000.00 | 12,185,000.00 | 12,093,000.00 | 12,017,000.00 | 11,949,000.00 | 11,765,000.00 | 11,727,000.00 | 11,476,000.00 | 11,258,000.00 | 11,005,000.00 | 10,585,000.00 | 10,494,000.00 | 9,975,000.00 | 9,623,000.00 |
| Treasury Shares | 6,308,000.00 | 6,166,000.00 | -6,079,000.00 | -6,066,000.00 | 5,980,000.00 | -5,995,000.00 | -6,032,000.00 | -6,055,000.00 | -6,090,000.00 | -6,093,000.00 | -6,105,000.00 | 6,095,000.00 | -5,436,000.00 | -5,461,000.00 |
| Accumulated Other Comprehensive Income | -2,261,000.00 | -2,499,000.00 | -2,695,000.00 | -3,161,000.00 | -2,355,000.00 | -3,457,000.00 | -3,048,000.00 | -3,171,000.00 | -3,742,000.00 | -3,587,000.00 | -1,173,000.00 | -212,000.00 | -105,000.00 | 168,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 15,481,000.00 | 15,420,000.00 | 0 | 16,612,000.00 | 17,268,000.00 | 18,649,000.00 | 19,169,000.00 | 19,611,000.00 | 18,991,000.00 | 17,183,000.00 | 176,000.00 | 172,000.00 |
| Debt | 5,422,000.00 | 8,687,000.00 | 5,733,000.00 | 6,673,000.00 | 6,786,000.00 | 7,121,000.00 | 9,771,000.00 | 7,084,000.00 | 6,235,000.00 | 3,524,000.00 | 2,682,000.00 | 2,796,000.00 | 2,852,000.00 | 5,728,000.00 |
| Net Debt | 383,000.00 | 3,399,000.00 | 0 | 0 | 393,000.00 | 1,620,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 127,589.08 | 129,676.76 | 0 | 0 | 132,723.31 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| Revenues | 838,000.00 | 849,000.00 | 183,000.00 | 811,000.00 | 187,000.00 | 194,000.00 | 198,000.00 | 194,000.00 | 194,000.00 |
| Cost Of Revenue | 0 | 0 | 100,000.00 | 0 | 70,000.00 | 150,000.00 | 140,000.00 | 55,000.00 | 924,000.00 |
| Interest Income | 946,000.00 | 931,000.00 | 980,000.00 | 982,000.00 | 1,128,000.00 | 1,008,000.00 | 784,000.00 | 478,000.00 | 463,000.00 |
| Interest Expense | 372,000.00 | 356,000.00 | 349,000.00 | 448,000.00 | 471,000.00 | 241,000.00 | 43,000.00 | 13,000.00 | 16,000.00 |
| Net Interest | 0 | 0 | 575,000.00 | 0 | 548,000.00 | 708,000.00 | 707,000.00 | 456,000.00 | 889,000.00 |
| Non-Interest Income | 0 | 0 | 530,000.00 | 0 | 467,000.00 | 592,000.00 | 559,000.00 | 500,000.00 | 660,000.00 |
| Non-Interest Expense | 589,000.00 | 574,000.00 | -1,168,000.00 | 562,000.00 | -1,206,000.00 | -1,102,000.00 | -1,004,000.00 | -946,000.00 | -1,014,000.00 |
| Provisions for Credit Losses | 0 | 0 | 100,000.00 | 0 | -70,000.00 | -150,000.00 | 140,000.00 | -55,000.00 | 924,000.00 |
| Gross Profit | 0 | 0 | 83,000.00 | 0 | 117,000.00 | 44,000.00 | 58,000.00 | 139,000.00 | -730,000.00 |
| Selling, General and Administrative Expenses | 373,000.00 | 380,000.00 | 100,000.00 | 356,000.00 | 52,000.00 | 49,000.00 | 53,000.00 | 45,000.00 | 45,000.00 |
| EBT | 227,000.00 | 244,000.00 | 0 | 235,000.00 | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 51,000.00 | 45,000.00 | 102,000.00 | 51,000.00 | 55,000.00 | 166,000.00 | 204,000.00 | 95,000.00 | 200,000.00 |
| Net Income Including Non-Controlling Interests | 176,000.00 | 199,000.00 | 516,000.00 | 184,000.00 | 414,000.00 | 972,000.00 | 1,053,000.00 | 567,000.00 | 1,065,000.00 |
| Net Income Non-Controlling Interests | 0 | 0 | -351,000.00 | 0 | -283,000.00 | -655,000.00 | -710,000.00 | -385,000.00 | -722,000.00 |
| Net Income | 175,000.00 | 187,000.00 | 165,000.00 | 177,000.00 | 131,000.00 | 317,000.00 | 343,000.00 | 182,000.00 | 343,000.00 |
| Deprecation and Amortization | 24,000.00 | 25,000.00 | 15,000.00 | 23,000.00 | 26,000.00 | 25,000.00 | 0.00 | 33,000.00 | 33,000.00 |
| EPS | 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 |
| Average Shares Outstanding Basic | 128,676.47 | 130,769.23 | 132,000.00 | 132,089.55 | 132,000.00 | 131,000.00 | 131,000.00 | 131,000.00 | 140,000.00 |
| Average Shares Outstanding Diluted | 129,802.00 | 131,731.00 | 133,000.00 | 134,039.00 | 133,000.00 | 132,000.00 | 132,000.00 | 133,000.00 | 141,000.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -270,000.00 | 476,000.00 | 273,000.00 | 1,049,000.00 | -205,000.00 | 462,000.00 | 0.00 | -710,000.00 | 159,000.00 |
| Operating Net Income | 176,000.00 | 199,000.00 | 172,000.00 | 184,000.00 | 138,000.00 | 324,000.00 | 162,000.00 | 189,000.00 | 350,000.00 |
| Deprecation and Amortization | 24,000.00 | 25,000.00 | 15,000.00 | 23,000.00 | 26,000.00 | 25,000.00 | 0.00 | 33,000.00 | 33,000.00 |
| Deferred Income Tax | 49,000.00 | 7,000.00 | 4,000.00 | 14,000.00 | -7,000.00 | -9,000.00 | 0.00 | -2,000.00 | 39,000.00 |
| Share Based Compensation | 1,000.00 | 8,000.00 | 27,000.00 | 9,000.00 | 27,000.00 | 28,000.00 | 0.00 | 28,000.00 | 22,000.00 |
| Change in Working Capital | -519,000.00 | 219,000.00 | 30,000.00 | 814,000.00 | -400,000.00 | 105,000.00 | 0.00 | -924,000.00 | -78,000.00 |
| Other Operating Activities | -1,000.00 | 18,000.00 | 25,000.00 | 5,000.00 | 11,000.00 | -11,000.00 | 0.00 | -34,000.00 | -207,000.00 |
| Investing Cash Flow | 655,000.00 | -1,048,000.00 | 913,000.00 | 1,837,000.00 | 1,739,000.00 | -1,006,000.00 | 0.00 | -3,197,000.00 | 1,008,000.00 |
| Capital Expenditure | 0 | 0 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | -32,000.00 | -27,000.00 | 0 | -34,000.00 | 0 | 0 | 0.00 | 0 | 0 |
| Net Purchase/Sale of Investments Net | 317,000.00 | 340,000.00 | 287,000.00 | 469,000.00 | 351,000.00 | 1,021,000.00 | 0.00 | -2,799,000.00 | 992,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | 0 | 0 |
| Net Loan & Lease Activity | 1,514,000.00 | 1,265,000.00 | -4,824,000.00 | 4,067,000.00 | -2,136,000.00 | ||||
| Other Investing Activities | 370,000.00 | -1,361,000.00 | 21,000.00 | 1,402,000.00 | 113,000.00 | -503,000.00 | 0.00 | -7,000.00 | -1,669,000.00 |
| Financing Cash Flow | -634,000.00 | 68,000.00 | -2,198,000.00 | -1,305,000.00 | -5,901,000.00 | 4,996,000.00 | 0.00 | -5,222,000.00 | -2,063,000.00 |
| Net Issuance/Repayment of Debt | -3,275,000.00 | 1,700,000.00 | 225,000.00 | -1,750,000.00 | -2,565,000.00 | 11,805,000.00 | 0.00 | 0 | -2,800,000.00 |
| Net Issuance/Repurchase of Equity | -152,000.00 | -114,000.00 | 54,000.00 | 0 | 11,000.00 | 17,000.00 | 0.00 | 57,000.00 | 18,000.00 |
| Dividends Paid | -97,000.00 | -97,000.00 | 99,000.00 | -99,000.00 | 98,000.00 | 94,000.00 | 0.00 | 95,000.00 | 101,000.00 |
| Other Financing Activities | 2,890,000.00 | -1,421,000.00 | -2,576,000.00 | 544,000.00 | -3,445,000.00 | -6,920,000.00 | 0.00 | -5,374,000.00 | 618,000.00 |
| Net Change in Cash | -249,000.00 | -504,000.00 | -1,012,000.00 | 1,581,000.00 | -4,367,000.00 | 4,452,000.00 | 0.00 | -9,129,000.00 | 0 |
| Cash at Beginning of Period | 5,288,000.00 | 5,792,000.00 | 6,804,000.00 | 4,812,000.00 | 9,502,000.00 | 6,282,000.00 | 0 | 22,679,000.00 | 0 |
| Cash at End of Period | 5,039,000.00 | 5,288,000.00 | 5,792,000.00 | 6,393,000.00 | 5,135,000.00 | 10,734,000.00 | 5,970,000.00 | 13,550,000.00 | 0 |
| Free Cash Flow | -302,000.00 | 449,000.00 | 0 | 1,015,000.00 | 0 | 0 | 0.00 | 0 | 0 |