CTBI

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 11.50 10.06 10.01 8.83
Price to Sales 418.88 532.28 443.77 395.38
Book Value Per Common Share 125.64 117.04 105.15 117.39 110.31
Price to Book 0.42 0.37 0.44 0.37
Price to Operating Cash Flow 6.96 6.69 6.38 5.37
Price to Free Cash Flow
Enterprise Value to EBITDA 25975.80 39233.57 62387.53 59976.84
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 14.24 20.35 41.28 14.78 20.50 41.01 10.32 16.39 35.14 12.18 18.05 37.12 10.91 15.12 33.11
Price to Sales 307.08 445.83 1831.27 513.02 667.58 1562.27 515.96 863.35 1946.15 481.59 687.76 1244.71 489.53 709.67 1713.23
Book Value Per Common Share 45.91 44.57 43.32 125.64 84.07 79.59 78.33 117.04 36.30 36.71 36.54 105.15 33.66 35.32 36.53 117.39 38.78 38.36 37.14 110.31
Price to Book 1.22 1.19 1.16 0.42 0.59 0.55 0.54 0.37 0.94 0.97 1.04 0.44 1.20 1.14 1.13 0.37 1.09 1.05 1.19
Price to Operating Cash Flow 11.19 18.14 24.77 10.76 16.99 29.24 9.32 15.65 26.94 9.99 15.61 26.84 9.14 10.26 24.68
Price to Free Cash Flow
Enterprise Value to EBITDA 53149.85 76282.72 150853.07 51476.62 69407.65 137805.52 43271.66 71609.36 163095.17 79826.52 122991.34 256072.67 74891.53 103704.80 226788.98

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 5.73 -5.01 -7.09 47.46
Revenue YoY 54.24 -20.21 -5.91 32.30
EBITDA YoY 83.20 52.53 1.68 5.63
Net Profit YoY 13.04 -4.66 -6.97 47.79
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 51.15 113.11 57.75 104.81 53.00 100.93 48.66 101.80 44.57 100.75
Revenue YoY 53.53 332.59 48.00 139.39 61.41 111.49 43.18 77.80 51.34 121.23
EBITDA YoY 51.78 107.85 138.47 53.59 103.33 59.46 113.57 54.54 104.49 44.43 100.62
Net Profit YoY 50.58 114.26 58.00 104.39 53.28 100.47 48.43 102.75 44.46 101.33

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 41.50 31.78 15.50 36.20 39.14
Quick Ratio
Current Ratio
Debt to Equity 0.71 3.66 3.83 3.43 3.47
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 56.39 43.93 37.88 41.25 26.87 19.07 33.92 31.58 25.51 13.12 27.21 15.43 29.80 24.70 19.27 36.08 24.21 51.98 48.38 39.00
Quick Ratio
Current Ratio
Debt to Equity 6.98 6.92 7.00 0.71 6.84 7.07 7.27 3.66 7.63 7.36 7.42 3.83 8.09 7.62 7.33 3.43 6.79 7.03 7.10 3.47
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.67 1.19 1.35 1.42 1.02
ROE 1.14 5.55 6.51 6.30 4.54
Gross Margin -1345.99 -362.39 -165.71 -550.97 -982.06
Operating Margin 16108.80 13468.77 7136.62 6463.97 8251.52
EBITDA Margin 16225.00 13660.08 7145.88 6612.18 8281.79
Net Profit Margin 3881.07 5295.59 4431.96 4482.11 4012.41
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 1.08 0.75 0.35 1.01 0.66 0.32 1.05 0.70 0.35 1.08 0.73 0.36 1.28 0.87 0.44
ROE 8.64 5.91 2.84 7.93 5.31 2.64 9.09 5.87 2.94 9.85 6.33 3.02 9.93 6.95 3.57
Gross Margin -190.40 -164.95 -2066.80 -381.80 -379.80 -442.04 -320.54 -324.59 -220.69 -124.10 9.25 -48.31 -804.44 -1236.50 -993.65
Operating Margin 5701.25 5763.22 11978.74 9928.05 9567.09 11277.55 11826.35 11986.41 11974.43 6008.72 5534.41 4789.49 6410.52 6739.07 7434.79
EBITDA Margin 5810.03 5877.12 12231.98 10031.28 9666.24 11380.61 11989.65 12136.82 12018.97 6053.86 5608.87 4876.78 6553.40 6866.77 7572.21
Net Profit Margin 2189.12 2232.05 4506.48 3474.65 3254.73 3812.04 4995.37 5260.46 5549.71 3952.80 3813.06 3343.73 4489.61 4703.17 5168.05

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 13,209,340.00 6,537,620.00 6,072,848.00 6,181,926.00 5,858,352.00
   Deposits 5,070,189.00 4,724,622.00 4,426,143.00 4,344,292.00 4,016,082.00
      Cash and Short-Term Investments 744,849.00 568,401.00 276,513.00 643,848.00 694,580.00
            Cash and Cash Equivalents 744,849.00 549,411.00 263,483.00 630,283.00 679,725.00
            Short-Term Investments 0 18,990.00 13,030.00 13,565.00 14,855.00
      Net Receivables 40,584,460.00 36,617,058.00 33,534,974.00 30,810,312.00 15,818.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 61,351.00 58,155.00 56,575.00 52,741.00 55,312.00
      Real Estate 3,647.00 1,616.00 3,671.00 3,486.00 7,694.00
      Goodwill 70,463.00 70,463.00 70,463.00 70,463.00 70,463.00
      Intangible Assets 0 0 0 0 0
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 29,515.00 28,575.00 40,138.00 0 0
      Other Non-Current Assets 0 0 0 0 0
Liabilities 5,500,928.00 5,133,204.00 4,816,754.00 4,785,522.00 4,548,622.00
      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 240,666.00 225,745.00 215,931.00 271,588.00 356,362.00
      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 7,708,412.00 1,404,416.00 1,256,094.00 1,396,404.00 1,309,730.00
   Shareholders Equity 2,268,830.00 2,106,624.00 1,884,141.00 2,094,606.00 1,964,595.00
      Capital Stock 90,290.00 89,999.00 89,591.00 89,215.00 89,052.00
      Share Premium 233,802.00 231,130.00 229,012.00 227,085.00 225,507.00
      Retained Earnings 531,861.00 484,400.00 438,596.00 386,750.00 326,738.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -98,369.00 -103,321.00 -129,152.00 -4,848.00 13,568.00
   Minority Interest 0 0 0 0 0
Investments 42,667,370.00 39,790,968.00 37,584,297.00 36,090,467.00 5,998,421.00
Debt 140,547.00 141,975.00 136,810.00 132,187.00 133,154.00
Common Shares Outstanding 18,057.92 17,999.84 17,918.28 17,843.08 17,810.40
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 2,272.00 1,473.00 1,846.00 1,962.00 1,483.00
Cost Of Revenue 32,853.00 6,811.00 4,905.00 12,772.00 16,047.00
Interest Income 313,443.00 268,650.00 197,742.00 178,169.00 176,441.00
Interest Expense 259,306.00 99,827.00 30,700.00 16,180.00 26,969.00
Net Interest 185,995.00 173,110.00 169,102.00 163,079.00 150,991.00
Non-Interest Income 62,565.00 57,659.00 57,916.00 60,463.00 54,560.00
Non-Interest Expense 130,923.00 125,390.00 121,071.00 119,285.00 119,239.00
Provisions for Credit Losses 32,853.00 6,811.00 4,905.00 -12,772.00 16,047.00
Gross Profit -30,581.00 -5,338.00 -3,059.00 -10,810.00 -14,564.00
   Selling, General and Administrative Expenses 211,908.00 97,770.00 95,060.00 95,426.00 87,351.00
EBT 106,686.00 98,568.00 101,042.00 110,643.00 95,401.00
Income Tax 45,354.00 18,553.00 17,399.00 21,020.00 10,510.00
Net Income 88,178.00 78,004.00 81,814.00 87,939.00 59,504.00
EBIT 365,992.00 198,395.00 131,742.00 126,823.00 122,370.00
Deprecation and Amortization 2,640.00 2,818.00 171.00 2,908.00 449.00
EBITDA 368,632.00 201,213.00 131,913.00 129,731.00 122,819.00
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 17,950.00 17,887.00 17,836.00 17,786.00 17,748.00
Average Shares Outstanding Diluted 17,977.00 17,900.00 17,851.00 17,804.00 17,756.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 136,694.00 117,221.00 128,346.00 144,470.00 89,165.00
   Operating Net Income 331,258.00 234,015.00 245,382.00 263,861.00 179,438.00
   Deprecation and Amortization 2,640.00 2,818.00 -171.00 -2,908.00 -449.00
   Deferred Income Tax -1,748.00 535.00 3,880.00 6,089.00 -2,458.00
   Share Based Compensation 1,354.00 1,576.00 1,366.00 850.00 944.00
   Change in Working Capital 7,706.00 4,484.00 1,773.00 -1,495.00 1,485.00
   Other Operating Activities -204,516.00 -126,207.00 -123,884.00 -121,927.00 -89,795.00
Investing Cash Flow -335,944.00 -226,780.00 -280,102.00 -358,686.00 -693,581.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 8,419.00 6,974.00 6,933.00 3,269.00 1,538.00
   Net Purchase/Sale of Investments Net 222,768.00 165,908.00 384,932.00 1,103,886.00 468,443.00
   Net Purchase/Sale of Business 0 0 0 0 0
   Net Loan & Lease Activity 444,061.00 344,217.00 302,466.00 -146,050.00 306,523.00
   Other Investing Activities -1,011,192.00 -743,879.00 -974,433.00 -1,319,791.00 -1,470,085.00
Financing Cash Flow 296,969.00 252,523.00 -31,644.00 189,495.00 677,384.00
   Net Issuance/Repayment of Debt 215,166.00 466,594.00 34,387.00 -84,735.00 171,574.00
   Net Issuance/Repurchase of Equity 1,770.00 1,129.00 1,041.00 965.00 4,050.00
   Dividends Paid 33,407.00 32,187.00 29,938.00 27,916.00 27,142.00
   Other Financing Activities 46,626.00 -247,387.00 -97,010.00 245,349.00 474,618.00
Net Change in Cash 97,719.00 142,964.00 -183,400.00 -26,479.00 73,552.00
   Cash at Beginning of Period 271,786.00 128,436.00 312,086.00 338,235.00 264,683.00
   Cash at End of Period 369,505.00 271,400.00 128,686.00 311,756.00 338,235.00
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 6,638,129.00 6,390,938.00 6,276,518.00 13,209,340.00 5,962,968.00 5,804,339.00 5,850,255.00 6,537,620.00 5,634,932.00 5,520,798.00 5,529,320.00 6,072,848.00 5,474,338.00 5,447,350.00 5,443,133.00 6,181,926.00 5,385,585.00 5,494,163.00 5,360,119.00 5,858,352.00
   Deposits 5,385,461.00 5,233,008.00 5,111,305.00 5,070,189.00 4,838,262.00 4,733,798.00 4,784,270.00 4,724,622.00 4,627,892.00 4,516,660.00 4,543,424.00 4,426,143.00 4,535,068.00 4,472,928.00 4,428,304.00 4,344,292.00 4,296,236.00 4,323,702.00 4,233,772.00 4,016,082.00
      Cash and Short-Term Investments 1,015,493.00 790,825.00 681,575.00 744,849.00 482,125.00 341,937.00 607,986.00 568,401.00 456,161.00 234,560.00 486,293.00 276,513.00 531,348.00 440,317.00 343,375.00 643,848.00 430,602.00 924,200.00 859,870.00 694,580.00
            Cash and Cash Equivalents 1,015,493.00 790,825.00 681,575.00 744,849.00 482,125.00 323,567.00 586,841.00 549,411.00 438,761.00 219,335.00 471,993.00 263,483.00 519,503.00 427,577.00 329,215.00 630,283.00 415,797.00 909,085.00 846,455.00 679,725.00
            Short-Term Investments 0 0 0 0 0 18,370.00 21,145.00 18,990.00 17,400.00 15,225.00 14,300.00 13,030.00 11,845.00 12,740.00 14,160.00 13,565.00 14,805.00 15,115.00 13,415.00 14,855.00
      Net Receivables 43,727,394.00 42,887,654.00 42,284,675.00 40,584,460.00 39,720,402.00 38,908,902.00 37,925,677.00 36,617,058.00 36,321,281.00 35,871,255.00 34,447,552.00 33,534,974.00 32,808,067.00 32,152,445.00 31,764,987.00 30,810,312.00 30,714,779.00 31,180,185.00 15,188.00 15,818.00
      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 64,193.00 64,416.00 63,447.00 61,351.00 59,231.00 59,262.00 59,028.00 58,155.00 57,891.00 56,387.00 56,441.00 56,575.00 53,724.00 52,709.00 52,679.00 52,741.00 52,544.00 53,120.00 53,784.00 55,312.00
      Real Estate 0 0 0 3,647.00 1,344.00 1,626.00 1,266.00 1,616.00 2,175.00 2,047.00 2,776.00 3,671.00 1,864.00 1,954.00 2,299.00 3,486.00 4,314.00 5,848.00 6,224.00 7,694.00
      Goodwill 65,490.00 65,490.00 65,490.00 70,463.00 65,490.00 65,490.00 65,490.00 70,463.00 65,490.00 65,490.00 65,490.00 70,463.00 65,490.00 65,490.00 65,490.00 70,463.00 65,490.00 65,490.00 65,490.00 70,463.00
      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 21,747.00 23,918.00 24,541.00 29,515.00 21,172.00 29,990.00 29,917.00 28,575.00 41,268.00 34,591.00 31,653.00 40,138.00 46,435.00 31,851.00 19,574.00 0 314.00 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 5,806,756.00 5,584,069.00 5,492,346.00 5,500,928.00 5,202,206.00 5,085,016.00 5,142,531.00 5,133,204.00 4,981,898.00 4,860,673.00 4,872,499.00 4,816,754.00 4,871,778.00 4,815,300.00 4,789,762.00 4,785,522.00 4,693,942.00 4,810,080.00 4,698,050.00 4,548,622.00
      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 0 240,666.00 0 0 0 225,745.00 0 0 0 215,931.00 0 0 0 271,588.00 0 0 0 356,362.00
      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 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 831,373.00 806,869.00 784,172.00 7,708,412.00 760,762.00 719,323.00 707,724.00 1,404,416.00 653,034.00 660,125.00 656,821.00 1,256,094.00 602,560.00 632,050.00 653,371.00 1,396,404.00 691,643.00 684,083.00 662,069.00 1,309,730.00
   Shareholders Equity 831,373.00 806,869.00 784,172.00 2,268,830.00 1,517,602.00 1,434,724.00 1,411,526.00 2,106,624.00 653,034.00 660,125.00 656,821.00 1,884,141.00 602,560.00 632,050.00 653,371.00 2,094,606.00 691,643.00 684,083.00 662,069.00 1,964,595.00
      Capital Stock 90,552.00 90,527.00 90,510.00 90,290.00 90,261.00 90,129.00 90,096.00 89,999.00 89,956.00 89,918.00 89,881.00 89,591.00 89,506.00 89,475.00 89,420.00 89,215.00 89,188.00 89,158.00 89,131.00 89,052.00
      Share Premium 235,769.00 235,154.00 234,355.00 233,802.00 233,263.00 232,179.00 231,626.00 231,130.00 230,503.00 229,943.00 229,333.00 229,012.00 228,484.00 228,020.00 227,589.00 227,085.00 226,671.00 226,268.00 225,861.00 225,507.00
      Retained Earnings 576,165.00 561,805.00 545,372.00 531,861.00 517,814.00 504,116.00 490,869.00 484,400.00 473,976.00 461,578.00 450,044.00 438,596.00 424,006.00 412,484.00 399,347.00 386,750.00 374,621.00 360,595.00 343,511.00 326,738.00
      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 -71,113.00 -80,617.00 -86,065.00 -98,369.00 -80,576.00 -107,101.00 -106,867.00 -103,321.00 -141,401.00 -121,314.00 -112,437.00 -129,152.00 -139,436.00 -97,929.00 -62,985.00 -4,848.00 1,163.00 8,062.00 3,566.00 13,568.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 45,452,607.00 44,394,246.00 43,939,663.00 42,667,370.00 42,198,584.00 41,425,367.00 40,674,674.00 39,790,968.00 39,393,444.00 39,348,310.00 38,338,478.00 37,584,297.00 37,183,802.00 37,250,259.00 37,556,163.00 36,090,467.00 36,429,288.00 35,835,227.00 6,944,585.00 5,998,421.00
Debt 80,752.00 79,988.00 80,419.00 140,547.00 79,604.00 80,010.00 80,393.00 141,975.00 81,097.00 81,667.00 82,023.00 136,810.00 70,477.00 70,320.00 70,637.00 132,187.00 71,070.00 71,370.00 71,390.00 133,154.00
Common Shares Outstanding 18,110.33 18,105.37 18,101.76 18,057.92 18,052.15 18,025.76 18,019.35 17,999.84 17,991.42 17,983.70 17,976.35 17,918.28 17,901.37 17,895.18 17,884.11 17,843.08 17,837.31 17,831.48 17,826.08 17,810.40
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 3,281.00 2,137.00 494.00 -1,127.00 1,736.00 1,173.00 490.00 -799.00 1,188.00 736.00 348.00 -1,295.00 1,502.00 1,049.00 590.00 -1,036.00 1,530.00 1,011.00 457.00
Cost Of Revenue 9,528.00 5,662.00 10,704.00 16,205.00 8,364.00 5,628.00 2,656.00 -2,426.00 4,996.00 3,125.00 1,116.00 -288.00 3,366.00 952.00 875.00 -19,576.00 13,838.00 13,512.00 4,998.00
Interest Income 256,187.00 167,625.00 82,054.00 -144,673.00 231,464.00 151,650.00 75,002.00 -113,488.00 195,321.00 125,822.00 60,995.00 -74,948.00 140,284.00 88,879.00 43,527.00 -87,940.00 133,812.00 88,086.00 44,211.00
Interest Expense 95,326.00 62,318.00 30,787.00 70,518.00 94,996.00 62,381.00 31,411.00 -21,265.00 65,186.00 38,827.00 17,079.00 3,222.00 15,926.00 8,057.00 3,495.00 -7,175.00 11,549.00 7,837.00 3,969.00
Net Interest 160,861.00 105,307.00 51,267.00 -83,333.00 136,468.00 89,269.00 43,591.00 -87,936.00 130,135.00 86,995.00 43,916.00 -76,110.00 124,358.00 80,822.00 40,032.00 -79,675.00 122,263.00 80,249.00 40,242.00
Non-Interest Income 47,014.00 31,068.00 14,897.00 -29,816.00 46,405.00 30,842.00 15,134.00 -28,395.00 43,934.00 28,438.00 13,682.00 -30,660.00 44,145.00 29,466.00 14,965.00 -31,698.00 45,486.00 31,098.00 15,577.00
Non-Interest Expense 106,615.00 69,871.00 34,208.00 -63,093.00 97,154.00 64,642.00 32,220.00 -63,177.00 93,762.00 62,915.00 31,890.00 -58,437.00 90,812.00 59,337.00 29,359.00 -54,969.00 88,136.00 57,808.00 28,310.00
Provisions for Credit Losses 9,528.00 5,662.00 10,704.00 16,205.00 8,364.00 5,628.00 2,656.00 -2,426.00 4,996.00 3,125.00 1,116.00 -288.00 3,366.00 952.00 875.00 19,576.00 -13,838.00 -13,512.00 -4,998.00
Gross Profit -6,247.00 -3,525.00 -10,210.00 -17,332.00 -6,628.00 -4,455.00 -2,166.00 1,627.00 -3,808.00 -2,389.00 -768.00 -1,007.00 -1,864.00 97.00 -285.00 18,540.00 -12,308.00 -12,501.00 -4,541.00
   Selling, General and Administrative Expenses 170,638.00 111,764.00 54,132.00 54,642.00 78,676.00 52,381.00 26,209.00 -48,953.00 72,857.00 48,985.00 24,881.00 -47,089.00 71,601.00 47,246.00 23,302.00 -44,082.00 70,584.00 46,474.00 22,450.00
EBT 91,732.00 60,842.00 28,388.00 -44,359.00 77,355.00 49,841.00 23,849.00 -50,728.00 75,311.00 49,393.00 24,592.00 -48,045.00 74,325.00 49,999.00 24,763.00 -66,192.00 86,532.00 60,295.00 30,008.00
Income Tax 20,950.00 13,971.00 6,416.00 11,486.00 17,035.00 11,663.00 5,170.00 -13,371.00 15,967.00 10,677.00 5,280.00 -12,590.00 14,954.00 10,000.00 5,035.00 -16,005.00 17,857.00 12,762.00 6,406.00
Net Income 71,825.00 47,699.00 22,262.00 -28,999.00 60,320.00 38,178.00 18,679.00 -39,371.00 59,345.00 38,717.00 19,313.00 -37,284.00 59,371.00 39,999.00 19,728.00 -51,919.00 68,691.00 47,549.00 23,618.00
EBIT 187,058.00 123,160.00 59,175.00 26,159.00 172,351.00 112,222.00 55,260.00 -71,993.00 140,497.00 88,220.00 41,671.00 -44,823.00 90,251.00 58,056.00 28,258.00 -73,367.00 98,081.00 68,132.00 33,977.00
Deprecation and Amortization 3,569.00 2,434.00 1,251.00 -820.00 1,792.00 1,163.00 505.00 -384.00 1,940.00 1,107.00 155.00 -1,803.00 678.00 781.00 515.00 -1,197.00 2,186.00 1,291.00 628.00
EBITDA 190,627.00 125,594.00 60,426.00 25,339.00 174,143.00 113,385.00 55,765.00 -72,377.00 142,437.00 89,327.00 41,826.00 -46,626.00 90,929.00 58,837.00 28,773.00 -74,564.00 100,267.00 69,423.00 34,605.00
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 18,009.00 18,004.00 17,995.00 18,000.00 17,942.00 17,932.00 17,926.00 17,917.00 17,882.00 17,877.00 17,872.00 17,865.00 17,832.00 17,827.00 17,820.00 17,808.00 17,783.00 17,779.00 17,774.00
Average Shares Outstanding Diluted 18,037.00 18,029.00 18,022.00 18,049.00 17,965.00 17,951.00 17,943.00 17,939.00 17,892.00 17,885.00 17,884.00 17,890.00 17,844.00 17,838.00 17,832.00 17,837.00 17,798.00 17,794.00 17,787.00
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 90,051.00 52,513.00 36,582.00 -18,298.00 82,768.00 46,078.00 26,146.00 -14,342.00 65,766.00 40,624.00 25,173.00 -17,600.00 72,414.00 46,182.00 27,350.00 -39,114.00 81,934.00 69,944.00 31,706.00
   Operating Net Income 212,346.00 140,613.00 65,916.00 115,580.00 120,642.00 76,357.00 18,679.00 -744.00 118,693.00 77,437.00 38,629.00 26,916.00 118,741.00 79,997.00 19,728.00 -15,987.00 137,426.00 95,142.00 47,280.00
   Deprecation and Amortization 3,569.00 2,434.00 1,251.00 -820.00 1,792.00 1,163.00 505.00 -384.00 1,940.00 1,107.00 155.00 1,803.00 -678.00 -781.00 -515.00 1,197.00 -2,186.00 -1,291.00 -628.00
   Deferred Income Tax -1,743.00 -754.00 433.00 -2,495.00 250.00 251.00 246.00 -178.00 243.00 242.00 228.00 2,961.00 306.00 306.00 307.00 8,017.00 -642.00 -643.00 -643.00
   Share Based Compensation 2,646.00 947.00 544.00 -1,697.00 2,021.00 687.00 343.00 -1,941.00 2,352.00 788.00 377.00 -1,868.00 2,008.00 742.00 484.00 -422.00 636.00 423.00 213.00
   Change in Working Capital 11,501.00 1,080.00 6,643.00 -28,301.00 16,114.00 11,805.00 8,088.00 -8,885.00 11,222.00 -569.00 2,716.00 -3,555.00 2,919.00 532.00 1,877.00 -649.00 -5,931.00 5,075.00 10.00
   Other Operating Activities -138,268.00 -91,807.00 -38,205.00 -100,565.00 -58,051.00 -44,185.00 -1,715.00 -2,210.00 -68,684.00 -38,381.00 -16,932.00 -43,857.00 -50,882.00 -34,614.00 5,469.00 -31,270.00 -47,369.00 -28,762.00 -14,526.00
Investing Cash Flow -286,156.00 -158,059.00 -104,641.00 91,909.00 -211,300.00 -151,260.00 -65,293.00 133,411.00 -177,413.00 -155,195.00 -27,583.00 434,945.00 -252,997.00 -226,774.00 -235,276.00 469,057.00 -408,599.00 -262,856.00 -156,288.00
   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 5,646.00 4,437.00 2,077.00 -2,581.00 5,114.00 3,705.00 2,181.00 -1,689.00 5,376.00 2,377.00 910.00 -1,222.00 4,821.00 2,262.00 1,072.00 -1,371.00 2,001.00 1,424.00 1,215.00
   Net Purchase/Sale of Investments Net 317,109.00 187,923.00 168,559.00 -130,727.00 196,373.00 93,327.00 63,795.00 -80,743.00 123,172.00 84,047.00 39,432.00 -447,261.00 326,549.00 280,284.00 225,360.00 -815,234.00 1,040,157.00 748,079.00 130,884.00
   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 444,061.00 344,217.00 302,466.00 -146,050.00 306,523.00
   Other Investing Activities -923,567.00 -569,988.00 -427,997.00 410,934.00 -717,152.00 -461,933.00 -243,041.00 437,576.00 -583,427.00 -462,266.00 -135,762.00 1,059,042.00 -806,352.00 -658,824.00 -568,299.00 1,153,369.00 -1,294,498.00 -906,022.00 -272,640.00
Financing Cash Flow 334,224.00 131,331.00 39,219.00 142,409.00 98,072.00 -4,557.00 61,045.00 -154,724.00 202,219.00 95,430.00 109,598.00 -303,257.00 128,456.00 82,502.00 60,655.00 -525,260.00 196,206.00 309,097.00 209,452.00
   Net Issuance/Repayment of Debt 245,014.00 185,113.00 6,492.00 -205,034.00 208,261.00 202,452.00 9,487.00 -327,368.00 473,832.00 220,216.00 99,914.00 44,106.00 -932.00 7,667.00 -16,454.00 -34,029.00 -63,811.00 14,724.00 -1,619.00
   Net Issuance/Repurchase of Equity 1,021.00 732.00 276.00 -588.00 1,495.00 572.00 291.00 -544.00 837.00 558.00 278.00 -461.00 755.00 499.00 248.00 -472.00 719.00 480.00 238.00
   Dividends Paid 26,449.00 16,925.00 8,461.00 -16,327.00 24,960.00 16,515.00 8,259.00 -15,364.00 23,953.00 15,733.00 7,865.00 -13,524.00 22,077.00 14,256.00 7,129.00 -13,414.00 20,798.00 13,691.00 6,841.00
   Other Financing Activities 61,740.00 -71,439.00 23,990.00 364,358.00 -136,644.00 -224,096.00 43,008.00 188,552.00 -296,403.00 -141,077.00 1,541.00 -333,378.00 106,556.00 60,080.00 69,732.00 -477,345.00 238,500.00 280,202.00 203,992.00
Net Change in Cash 138,119.00 25,785.00 -28,840.00 216,020.00 -30,460.00 -109,739.00 21,898.00 -35,655.00 90,572.00 -19,141.00 107,188.00 114,088.00 -52,127.00 -98,090.00 -147,271.00 -97,075.00 -130,459.00 116,185.00 84,870.00
   Cash at Beginning of Period 369,505.00 369,505.00 369,505.00 153,485.00 271,400.00 271,400.00 271,400.00 307,055.00 128,686.00 128,686.00 128,686.00 14,598.00 311,756.00 311,756.00 311,756.00 408,831.00 338,235.00 338,235.00 338,235.00
   Cash at End of Period 507,624.00 395,290.00 340,665.00 369,505.00 240,940.00 161,661.00 293,298.00 271,400.00 219,258.00 109,545.00 235,874.00 128,686.00 259,629.00 213,666.00 164,485.00 311,756.00 207,776.00 454,420.00 423,105.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0