COLB

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 10.55 14.91 9.42 11.73 16.54
Price to Sales 37.83 38.81 116.51 107.88 102.54
Book Value Per Common Share 24.43 23.95 84.42 98.92 98.37
Price to Book 1.11 1.11 0.36 0.33 0.36
Price to Operating Cash Flow 5.70 5.26 5.88 6.76 8.82
Price to Free Cash Flow
Enterprise Value to EBITDA 49025.39 63645.04 80887.68
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 16.82 20.51 60.83 13.96 17.00 32.25 15.15 31.20 -238.00 12.45 19.23 43.61 16.88 25.71 59.03
Price to Sales 93.80 125.36 269.91 102.47 119.89 250.97 80.49 120.21 234.10 150.39 223.48 506.59 157.96 230.21 414.33
Book Value Per Common Share 26.04 25.41 24.93 24.43 25.17 23.76 23.68 23.95 22.21 23.16 23.44 84.42 26.90 28.53 30.02 98.92 32.38 32.52 31.71 98.37
Price to Book 0.99 0.92 1.00 1.11 1.04 0.84 0.82 1.11 0.91 0.88 0.91 0.36 1.07 1.00 1.08 0.33 1.17 1.19 1.36 0.36
Price to Operating Cash Flow 12.11 21.35 42.68 13.50 12.34 21.72 6.71 16.26 -85.96 10.08 13.83 40.31 14.26 21.46 51.70
Price to Free Cash Flow
Enterprise Value to EBITDA 78090.46 121960.73 286737.39 120282.21 183534.15 439615.44

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 43.02 -44.06 14.70 28.57
Revenue YoY 10.84 565.11 -8.43 -11.12
EBITDA YoY 19.76 27.01
Net Profit YoY 53.04 39.39 23.35 31.49
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 34.21 178.05 59.83 95.00 106.15 55.70 101.35 50.00 105.48
Revenue YoY 53.96 101.91 -57.17 53.66 115.18 -60.82 56.59 114.97 49.89 101.29 43.63 61.26
EBITDA YoY 57.54 108.69 50.37 114.36
Net Profit YoY 40.15 175.99 59.86 96.83 113.83 55.83 102.24 49.60 106.14

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 9.01 11.07 8.82 50.56 37.08
Quick Ratio
Current Ratio
Debt to Equity 4.58 4.77 4.08 3.55 3.04
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 10.71 9.29 9.93 8.96 10.13 9.93 10.57 10.37 12.59 18.69 23.25 8.75 10.22 17.33 53.73 46.81 55.04 49.37 54.86 36.69
Quick Ratio
Current Ratio
Debt to Equity 7.66 8.72 8.84 4.58 8.84 9.46 9.53 4.77 10.22 10.10 10.05 4.08 8.65 8.17 7.88 3.55 7.01 6.72 6.62 3.04
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.93 0.61 1.11 0.86 0.81
ROE 5.21 3.49 5.65 3.92 3.29
Gross Margin 28.82 -58.80
Operating Margin 2151.55 1725.64 1221.05
EBITDA Margin 2394.38 1830.74 1281.10
Net Profit Margin 358.62 259.73 1239.36 920.07 621.90
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 0.50 0.46 0.17 0.75 0.47 0.24 0.49 0.22 -0.03 0.89 0.57 0.27 0.86 0.59 0.30
ROE 4.30 4.47 1.65 7.40 4.91 2.50 5.51 2.47 -0.29 8.57 5.19 2.44 6.88 4.58 2.28
Gross Margin -111.67 -45.89 -41.98 -46.33 -41.63 -6.67 -228.57 -295.09 -637.42
Operating Margin 1701.44 1621.12 1591.67 1261.10 1208.90 934.66
EBITDA Margin 1941.47 1847.16 1781.62 1327.80 1268.27 954.11
Net Profit Margin 558.33 613.37 448.73 735.01 706.52 772.41 529.69 387.89 -98.09 1209.61 1163.53 1158.08 936.95 899.54 703.66

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 57,150,998.00 57,613,835.00 22,505,683.00 23,554,745.00 18,968,317.00
   Deposits 41,720,732.00 153,972,942.00 16,711,450.00 18,010,115.00 13,869,862.00
      Cash and Short-Term Investments 1,878,255.00 2,162,534.00 688,359.00 3,674,858.00 2,626,601.00
            Cash and Cash Equivalents 1,878,255.00 2,162,534.00 688,359.00 3,674,858.00 2,626,601.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 0 37,441,951.00 446,684.00 423,175.00 408,011.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 459,897.00 454,781.00 213,734.00 172,144.00 162,059.00
      Real Estate 0 0 0 381.00 553.00
      Goodwill 1,029,234.00 1,029,234.00 827,901.00 827,901.00 770,571.00
      Intangible Assets 484,248.00 603,679.00 50,979.00 68,375.00 52,549.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 359,425.00 347,203.00 0 0 0
      Other Non-Current Assets 0 0 0 0 0
Liabilities 46,914,550.00 47,623,767.00 18,079,377.00 18,377,261.00 14,273,103.00
      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 10,236,448.00 9,990,068.00 4,426,306.00 5,177,484.00 4,695,214.00
   Shareholders Equity 5,118,224.00 4,995,034.00 6,639,459.00 7,766,226.00 7,042,821.00
      Capital Stock 5,817,458.00 5,802,747.00 1,944,471.00 1,930,187.00 1,660,998.00
      Share Premium 0 0 0 0 0
      Retained Earnings -237,254.00 -467,571.00 850,011.00 694,227.00 575,248.00
      Treasury Shares 0 0 70,834.00 70,834.00 70,834.00
      Accumulated Other Comprehensive Income -461,980.00 -340,142.00 -1,020,990.00 35,162.00 182,195.00
   Minority Interest 0 0 0 0 0
Investments 41,382,081.00 44,159,275.00 47,406,267.00 59,643,972.00 46,891,206.00
Debt 1,780,185.00 1,712,776.00 40,620.00 40,620.00 35,092.00
Common Shares Outstanding 209,536.32 208,584.67 78,646.00 78,511.00 71,598.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 148,814.00 134,259.00 20,186.00 22,044.00 24,802.00
Cost Of Revenue 105,924.00 213,199.00 0 0 0
Interest Income 2,845,467.00 2,650,986.00 646,481.00 536,065.00 517,809.00
Interest Expense 1,036,838.00 989,070.00 23,645.00 8,546.00 17,698.00
Net Interest 1,718,402.00 1,793,171.00 630,650.00 530,537.00 500,111.00
Non-Interest Income 210,966.00 203,927.00 99,144.00 94,094.00 104,500.00
Non-Interest Expense 1,104,694.00 1,312,700.00 402,383.00 360,304.00 334,519.00
Provisions for Credit Losses 105,924.00 213,199.00 0 0 0
Gross Profit 42,890.00 -78,940.00 0 0 0
   Selling, General and Administrative Expenses 264,893.00 268,772.00 106,807.00 93,606.00 72,007.00
EBT 0 0 410,666.00 371,855.00 285,147.00
Income Tax 176,191.00 112,465.00 69,075.00 55,423.00 39,123.00
Net Income 533,675.00 348,715.00 250,178.00 202,820.00 154,244.00
EBIT 0 0 434,311.00 380,401.00 302,845.00
Deprecation and Amortization 228,106.00 211,726.00 49,018.00 23,168.00 14,893.00
EBITDA 0 0 483,329.00 403,569.00 317,738.00
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 208,463.00 195,304.00 78,047.00 72,683.00 70,835.00
Average Shares Outstanding Diluted 209,337.00 195,871.00 78,193.00 72,873.00 70,880.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 988,306.00 991,181.00 399,706.00 352,054.00 288,430.00
   Operating Net Income 1,601,025.00 1,046,145.00 764,462.00 618,573.00 469,094.00
   Deprecation and Amortization 228,106.00 211,726.00 49,018.00 23,168.00 14,893.00
   Deferred Income Tax 30,839.00 12,895.00 -6,113.00 -6,629.00 -13,768.00
   Share Based Compensation 20,426.00 18,073.00 16,158.00 14,926.00 10,737.00
   Change in Working Capital 41,381.00 -76,384.00 65,880.00 -37,627.00 80,905.00
   Other Operating Activities -933,471.00 -221,274.00 -489,699.00 -260,357.00 -273,431.00
Investing Cash Flow 114,571.00 358,201.00 -395,690.00 -2,356,187.00 -1,918,785.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 0 40,688.00 7,210.00 6,125.00 8,720.00
   Net Purchase/Sale of Investments Net 935,858.00 3,171,569.00 1,243,382.00 4,346,786.00 797,826.00
   Net Purchase/Sale of Business 1.00 -131,052.00 0 157,157.00 0
   Net Loan & Lease Activity 516,630.00 1,335,189.00 1,061,878.00 -174,463.00 619,543.00
   Other Investing Activities -1,337,918.00 -4,058,193.00 -2,708,160.00 -6,691,792.00 -3,344,874.00
Financing Cash Flow -1,363,628.00 -578,726.00 -534,240.00 2,173,612.00 2,015,877.00
   Net Issuance/Repayment of Debt 10,634,508.00 33,823,847.00 429,415.00 12,234.00 471,886.00
   Net Issuance/Repurchase of Equity 5,715.00 14,934.00 2,110.00 2,350.00 44,056.00
   Dividends Paid 300,221.00 270,261.00 188,708.00 167,631.00 191,724.00
   Other Financing Activities -12,304,072.00 -34,687,768.00 -1,154,473.00 1,991,397.00 1,308,211.00
Net Change in Cash -260,752.00 770,656.00 -530,224.00 170,948.00 406,093.00
   Cash at Beginning of Period 2,139,007.00 1,391,878.00 821,965.00 0 0
   Cash at End of Period 1,878,255.00 2,162,534.00 291,741.00 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 2024-06-30 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 67,496,000.00 51,901,442.00 51,519,266.00 57,150,998.00 51,908,599.00 52,047,483.00 52,224,006.00 57,613,835.00 51,993,815.00 53,592,096.00 53,994,226.00 22,505,683.00 20,405,369.00 20,564,390.00 20,963,958.00 23,554,745.00 18,602,462.00 18,013,477.00 17,335,116.00 18,968,317.00
   Deposits 55,771,000.00 41,742,657.00 42,217,694.00 41,720,732.00 41,514,688.00 41,523,272.00 41,706,160.00 153,972,942.00 41,624,368.00 40,834,917.00 41,586,347.00 16,711,450.00 17,941,325.00 17,956,926.00 18,299,213.00 18,010,115.00 15,953,399.00 15,345,432.00 14,767,466.00 13,869,862.00
      Cash and Short-Term Investments 2,343,000.00 1,942,170.00 2,072,706.00 1,878,255.00 2,111,022.00 2,068,831.00 2,201,117.00 2,162,534.00 2,403,695.00 3,407,216.00 3,635,185.00 688,359.00 797,722.00 1,351,376.00 4,186,957.00 3,674,858.00 3,906,230.00 3,501,713.00 3,888,137.00 2,626,601.00
            Cash and Cash Equivalents 2,343,000.00 1,942,170.00 2,072,706.00 1,878,255.00 2,111,022.00 2,068,831.00 2,201,117.00 2,162,534.00 2,403,695.00 3,407,216.00 3,635,185.00 688,359.00 797,722.00 1,351,376.00 4,186,957.00 3,674,858.00 3,906,230.00 3,501,713.00 3,888,137.00 2,626,601.00
            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 37,503,002.00 37,709,987.00 37,642,413.00 37,441,951.00 37,170,598.00 37,049,299.00 37,091,280.00 446,684.00 433,094.00 414,225.00 405,638.00 423,175.00 391,256.00 390,723.00 401,855.00 408,011.00
      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 572,000.00 467,357.00 451,622.00 459,897.00 444,331.00 446,120.00 450,702.00 454,781.00 452,075.00 487,953.00 502,486.00 213,734.00 161,853.00 168,586.00 170,055.00 172,144.00 157,488.00 158,827.00 160,179.00 162,059.00
      Real Estate 0 0 0 0 0 0 0 0 0 0 0 0 0 33.00 381.00 381.00 381.00 381.00 521.00 553.00
      Goodwill 1,481,000.00 1,029,234.00 1,029,234.00 1,029,234.00 1,029,234.00 1,029,234.00 1,029,234.00 1,029,234.00 1,029,234.00 1,029,234.00 1,030,142.00 827,901.00 823,172.00 823,172.00 823,172.00 827,901.00 765,842.00 765,842.00 765,842.00 770,571.00
      Intangible Assets 754,000.00 430,443.00 456,269.00 484,248.00 513,303.00 542,358.00 571,588.00 603,679.00 636,883.00 666,762.00 702,315.00 50,979.00 27,921.00 30,140.00 32,359.00 68,375.00 21,123.00 22,958.00 24,810.00 52,549.00
      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 392,000.00 299,043.00 311,192.00 359,425.00 286,432.00 361,773.00 356,031.00 347,203.00 469,841.00 362,880.00 351,229.00 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 59,706,000.00 46,559,560.00 46,281,457.00 46,914,550.00 46,634,771.00 47,070,811.00 47,266,761.00 47,623,767.00 47,361,653.00 48,763,908.00 49,109,503.00 18,079,377.00 18,289,888.00 18,321,172.00 18,603,179.00 18,377,261.00 16,279,195.00 15,680,231.00 15,060,053.00 14,273,103.00
      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 35,000.00 50,000.00 50,000.00 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 7,790,000.00 5,341,882.00 5,237,809.00 10,236,448.00 5,273,828.00 4,976,672.00 4,957,245.00 9,990,068.00 4,632,162.00 4,828,188.00 4,884,723.00 4,426,306.00 2,115,481.00 2,243,218.00 2,360,779.00 5,177,484.00 2,323,267.00 2,333,246.00 2,275,063.00 4,695,214.00
   Shareholders Equity 7,790,000.00 5,341,882.00 5,237,809.00 5,118,224.00 5,273,828.00 4,976,672.00 4,957,245.00 4,995,034.00 4,632,162.00 4,828,188.00 4,884,723.00 6,639,459.00 2,115,481.00 2,243,218.00 2,360,779.00 7,766,226.00 2,323,267.00 2,333,246.00 2,275,063.00 7,042,821.00
      Capital Stock 8,189,000.00 5,826,488.00 5,823,287.00 5,817,458.00 5,812,237.00 5,807,041.00 5,802,322.00 5,802,747.00 5,798,167.00 5,792,792.00 5,788,553.00 1,944,471.00 1,940,385.00 1,935,180.00 1,931,076.00 1,930,187.00 1,670,076.00 1,664,953.00 1,661,129.00 1,660,998.00
      Share Premium 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Retained Earnings -131,000.00 -150,822.00 -227,006.00 -237,254.00 -304,525.00 -374,687.00 -418,946.00 -467,571.00 -485,576.00 -545,842.00 -603,696.00 850,011.00 804,774.00 763,487.00 728,314.00 694,227.00 651,308.00 642,018.00 607,040.00 575,248.00
      Treasury Shares 0 0 0 0 0 0 0 0 0 0 0 70,834.00 70,834.00 70,834.00 70,834.00 70,834.00 70,834.00 70,834.00 70,834.00 70,834.00
      Accumulated Other Comprehensive Income -268,000.00 -333,784.00 -358,472.00 -461,980.00 -233,884.00 -455,682.00 -426,131.00 -340,142.00 -680,429.00 -418,762.00 -300,134.00 -1,020,990.00 -1,117,688.00 -769,230.00 -455,554.00 35,162.00 72,717.00 97,109.00 77,728.00 182,195.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 55,137,000.00 43,274,484.00 41,152,841.00 41,382,081.00 43,393,307.00 42,524,494.00 43,092,405.00 44,159,275.00 42,530,020.00 45,002,426.00 46,258,471.00 47,406,267.00 48,545,244.00 52,550,877.00 56,353,650.00 59,643,972.00 49,712,745.00 27,024,475.00 27,481,450.00 46,891,206.00
Debt 1,161,000.00 1,093,567.00 1,083,604.00 1,780,185.00 1,056,986.00 1,053,643.00 1,057,872.00 1,712,776.00 1,124,480.00 1,070,715.00 1,033,811.00 40,620.00 20,310.00 20,310.00 20,310.00 40,620.00 35,000.00 35,000.00 35,046.00 35,092.00
Common Shares Outstanding 299,147.00 210,213.25 210,112.42 209,536.32 209,531.88 209,459.12 209,370.39 208,584.67 208,575.48 208,513.64 208,429.24 78,646.00 78,647.00 78,621.00 78,644.00 78,511.00 71,760.00 71,742.00 71,739.00 71,598.00
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
Revenues 60,000.00 38,970.00 19,301.00 45,067.00 53,116.00 34,567.00 16,064.00 41,005.00 48,176.00 30,766.00 14,312.00 -9,765.00 14,986.00 9,998.00 4,967.00 -14,275.00 17,067.00 11,883.00 7,369.00
Cost Of Revenue 127,000.00 56,852.00 27,403.00 -37,893.00 77,725.00 48,956.00 17,136.00 -172,183.00 158,290.00 121,553.00 105,539.00 0 0 0 0 0 0 0 0
Interest Income 2,110,000.00 1,350,143.00 663,637.00 -1,438,588.00 2,149,928.00 1,426,349.00 707,778.00 -983,720.00 1,935,297.00 1,204,877.00 494,532.00 -266,748.00 466,346.00 298,598.00 148,285.00 -231,495.00 388,029.00 253,489.00 126,042.00
Interest Expense 682,000.00 446,491.00 222,248.00 -852,900.00 947,957.00 629,643.00 312,138.00 -238,715.00 694,993.00 402,775.00 130,017.00 6,410.00 10,203.00 4,947.00 2,085.00 -3,568.00 6,033.00 4,033.00 2,048.00
Net Interest 1,376,000.00 871,441.00 424,995.00 -836,800.00 1,281,029.00 850,811.00 423,362.00 -779,748.00 1,339,548.00 858,673.00 374,698.00 -277,688.00 462,973.00 297,763.00 147,602.00 -226,415.00 383,052.00 249,906.00 123,994.00
Non-Interest Income 208,000.00 130,839.00 66,377.00 -95,670.00 161,219.00 95,060.00 50,357.00 -83,615.00 138,394.00 94,413.00 54,735.00 -50,035.00 75,813.00 49,186.00 24,180.00 -44,822.00 69,854.00 45,896.00 23,166.00
Non-Interest Expense 1,011,000.00 618,117.00 340,122.00 -587,700.00 838,118.00 566,760.00 287,516.00 -677,019.00 975,524.00 671,377.00 342,818.00 -204,980.00 301,878.00 200,432.00 105,053.00 -148,612.00 257,682.00 167,675.00 83,559.00
Provisions for Credit Losses 127,000.00 56,852.00 27,403.00 -37,893.00 77,725.00 48,956.00 17,136.00 -172,183.00 158,290.00 121,553.00 105,539.00 0 0 0 0 0 0 0 0
Gross Profit -67,000.00 -17,882.00 -8,102.00 82,960.00 -24,609.00 -14,389.00 -1,072.00 213,188.00 -110,114.00 -90,787.00 -91,227.00 0 0 0 0 0 0 0 0
   Selling, General and Administrative Expenses 211,000.00 137,700.00 71,071.00 -125,789.00 196,360.00 129,891.00 64,431.00 -113,874.00 194,452.00 129,566.00 58,628.00 -55,258.00 79,670.00 53,801.00 28,594.00 -33,856.00 65,106.00 41,324.00 21,032.00
EBT 0 0 0 0 0 0 0 0 0 0 0 -68,215.00 244,775.00 157,133.00 76,973.00 -43,791.00 209,199.00 139,620.00 66,827.00
Income Tax 111,000.00 88,279.00 37,238.00 -90,726.00 135,999.00 85,931.00 44,987.00 -22,182.00 88,944.00 40,817.00 4,886.00 -33,868.00 52,569.00 33,874.00 16,500.00 -28,675.00 42,589.00 28,397.00 13,112.00
Net Income 335,000.00 239,032.00 86,609.00 -225,035.00 390,406.00 244,224.00 124,080.00 -11,770.00 255,184.00 119,339.00 -14,038.00 -104,946.00 181,272.00 116,330.00 57,522.00 -115,834.00 159,909.00 106,892.00 51,853.00
EBIT 0 0 0 0 0 0 0 0 0 0 0 -61,805.00 254,978.00 162,080.00 79,058.00 -47,359.00 215,232.00 143,653.00 68,875.00
Deprecation and Amortization 166,000.00 105,002.00 48,754.00 -119,479.00 173,025.00 116,905.00 57,655.00 -55,431.00 150,381.00 90,065.00 26,711.00 -18,987.00 35,971.00 22,599.00 9,435.00 3,296.00 11,383.00 7,056.00 1,433.00
EBITDA 0 0 0 0 0 0 0 0 0 0 0 -80,792.00 290,949.00 184,679.00 88,493.00 -44,063.00 226,615.00 150,709.00 70,308.00
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 218,694.00 208,964.00 208,800.00 208,778.00 208,435.00 208,379.00 208,260.00 251,511.00 190,997.00 182,325.00 156,383.00 78,247.00 78,027.00 77,989.00 77,925.00 77,974.00 70,965.00 70,924.00 70,869.00
Average Shares Outstanding Diluted 219,712.00 209,965.00 210,023.00 210,256.00 209,137.00 208,999.00 208,956.00 252,695.00 191,546.00 182,860.00 156,383.00 78,448.00 78,142.00 78,099.00 78,083.00 78,149.00 71,155.00 71,079.00 71,109.00
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 465,000.00 228,807.00 122,012.00 63,982.00 403,018.00 335,798.00 185,508.00 225,320.00 577,469.00 227,359.00 -38,967.00 -47,950.00 223,717.00 161,563.00 62,376.00 -23,561.00 189,101.00 127,442.00 59,072.00
   Operating Net Income 335,000.00 239,032.00 86,609.00 842,315.00 390,406.00 244,224.00 124,080.00 685,660.00 255,184.00 119,339.00 -14,038.00 33,400.00 373,478.00 239,589.00 117,995.00 -31,629.00 326,519.00 218,115.00 105,568.00
   Deprecation and Amortization 166,000.00 105,002.00 48,754.00 -119,479.00 173,025.00 116,905.00 57,655.00 -55,431.00 150,381.00 90,065.00 26,711.00 -18,987.00 35,971.00 22,599.00 9,435.00 3,296.00 11,383.00 7,056.00 1,433.00
   Deferred Income Tax 30,000.00 0 0 30,839.00 0 0 0 12,895.00 0 0 0 -6,113.00 0 0 0 -6,629.00 0 0 0
   Share Based Compensation 23,000.00 16,247.00 11,186.00 -9,028.00 15,124.00 9,908.00 4,422.00 -9,867.00 13,317.00 8,979.00 5,644.00 -7,606.00 12,059.00 7,910.00 3,795.00 -5,873.00 10,835.00 6,936.00 3,028.00
   Change in Working Capital -184,000.00 -154,661.00 -138,888.00 -121,078.00 -89,275.00 133,427.00 118,307.00 -18,576.00 51,258.00 -40,563.00 -68,503.00 -27,085.00 52,412.00 31,536.00 9,017.00 46,471.00 -34,874.00 -27,477.00 -21,747.00
   Other Operating Activities 95,000.00 23,187.00 114,351.00 -559,587.00 -86,262.00 -168,666.00 -118,956.00 -389,361.00 107,329.00 49,539.00 11,219.00 -21,559.00 -250,203.00 -140,071.00 -77,866.00 -29,197.00 -124,762.00 -77,188.00 -29,210.00
Investing Cash Flow 1,589,000.00 -233,940.00 250,245.00 41,192.00 236,866.00 -85,812.00 -77,675.00 -1,274,684.00 701,757.00 469,815.00 461,313.00 752,288.00 -559,497.00 -453,248.00 -135,233.00 1,624,131.00 -1,933,439.00 -1,379,164.00 -667,715.00
   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 30,000.00 22,002.00 241.00 0 0 0 0 33,690.00 0 3,512.00 3,486.00 -3,803.00 5,557.00 3,639.00 1,817.00 -2,101.00 4,334.00 3,087.00 805.00
   Net Purchase/Sale of Investments Net 5,198,000.00 1,181,348.00 268,214.00 -416,584.00 650,757.00 503,978.00 197,707.00 -4,819,508.00 2,929,392.00 2,620,164.00 2,441,521.00 -1,131,491.00 1,046,066.00 786,756.00 542,051.00 545,653.00 3,176,805.00 443,948.00 180,380.00
   Net Purchase/Sale of Business -874,000.00 0 0 1.00 0 0 0 692,709.00 -274,587.00 -274,587.00 -274,587.00 0 0 0 0 157,157.00 0 0 0
   Net Loan & Lease Activity 516,630.00 1,335,189.00 1,061,878.00 -174,463.00 619,543.00
   Other Investing Activities -2,576,000.00 -1,470,433.00 15,654.00 941,152.00 -692,966.00 -1,047,097.00 -539,007.00 3,115,379.00 -2,944,452.00 -2,460,624.00 -1,768,496.00 2,736,289.00 -2,680,982.00 -1,944,589.00 -818,878.00 1,331,589.00 -5,006,027.00 -2,003,598.00 -1,013,756.00
Financing Cash Flow -1,590,000.00 69,048.00 -177,806.00 -259,293.00 -691,396.00 -343,689.00 -69,250.00 -3,742,147.00 -170,174.00 1,415,399.00 1,918,196.00 -464,767.00 -171,259.00 -118,833.00 220,619.00 -2,083,285.00 1,988,047.00 1,429,488.00 839,362.00
   Net Issuance/Repayment of Debt 17,380,000.00 10,754,808.00 4,605,759.00 -13,004,401.00 8,031,714.00 7,795,741.00 7,811,454.00 -15,070,681.00 23,295,111.00 16,566,642.00 9,032,775.00 524,040.00 -37,220.00 -15,624.00 -41,781.00 84,133.00 -33,799.00 -2,865.00 -35,235.00
   Net Issuance/Repurchase of Equity 12,000.00 9,985.00 8,125.00 -10,380.00 5,634.00 5,614.00 4,847.00 -3,531.00 7,291.00 5,958.00 5,216.00 -2,034.00 2,110.00 1,017.00 1,017.00 -2,197.00 2,351.00 1,098.00 1,098.00
   Dividends Paid 226,000.00 150,468.00 75,170.00 -149,988.00 225,144.00 150,068.00 74,997.00 -91,120.00 195,351.00 120,448.00 45,582.00 46,449.00 70,876.00 47,428.00 23,955.00 47,355.00 59,922.00 40,244.00 20,110.00
   Other Financing Activities -19,208,000.00 -10,846,213.00 -4,866,860.00 12,905,476.00 -8,953,888.00 -8,295,112.00 -7,960,548.00 11,423,185.00 -23,667,927.00 -15,277,649.00 -7,165,377.00 -1,033,222.00 -207,025.00 -151,654.00 237,428.00 -2,212,576.00 1,959,573.00 1,391,011.00 853,389.00
Net Change in Cash 464,000.00 63,915.00 194,451.00 -154,120.00 -51,512.00 -93,703.00 38,583.00 -4,791,511.00 1,109,052.00 2,112,573.00 2,340,542.00 239,571.00 -507,039.00 -410,518.00 147,762.00 -481,246.00 243,709.00 177,766.00 230,719.00
   Cash at Beginning of Period 1,879,000.00 1,878,255.00 1,878,255.00 2,032,375.00 2,162,534.00 2,162,534.00 2,162,534.00 6,954,045.00 1,294,643.00 1,294,643.00 1,294,643.00 52,170.00 824,714.00 824,714.00 824,714.00 0.00 0 0 0
   Cash at End of Period 2,343,000.00 1,942,170.00 2,072,706.00 1,878,255.00 2,111,022.00 2,068,831.00 2,201,117.00 2,162,534.00 2,403,695.00 3,407,216.00 3,635,185.00 291,741.00 317,675.00 414,196.00 972,476.00 0 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