CWBC - Community West Bancshares

CWBC

Valuation Ratios

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Price to Earnings	43.04	8.01	6.59	5.78	5.60
Price to Sales
Book Value Per Common Share	63.71	52.56	44.65	62.39	58.76
Price to Book	0.30	0.33	0.34	0.21	0.15
Price to Operating Cash Flow	11.30	6.61	-11.76	3.24	3.52
Price to Free Cash Flow
Enterprise Value to EBITDA	41956.50	22583.06	23500.83	20920.45	20899.03

Breakdown	2025-09-30	2025-06-30	2025-03-31	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	14.68	22.95	42.00	385.20	-108.82	49.94		7.78	10.75	21.08		8.61	13.25	27.47		7.45	11.17	21.40
Price to Sales
Book Value Per Common Share	20.77	19.86	19.66	19.19	18.49	17.89	52.56	15.37	15.86	15.49	44.65	13.54	14.53	16.31	62.39	20.57	20.36	19.31	58.76
Price to Book	1.00	0.98	0.94	1.00	1.00	0.87	0.33	0.84	0.77	0.82	0.34	1.03	0.98	0.86	0.21	0.63	0.66	0.66	0.15
Price to Operating Cash Flow	11.05	16.37	31.62	14.92	27.43	45.68		6.50	9.20	14.06		11.73	30.43	-260.89		5.01	6.03	25.15
Price to Free Cash Flow
Enterprise Value to EBITDA	45909.07	66401.42	122789.49	90422.90	162897.71	132178.70		30596.32	44146.05	103666.92		47189.97	72771.94	148412.30		43334.86	67140.11	132734.86

Earnings Data

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Earning YoY	-79.26	-4.41	-2.16	43.21
Revenue YoY
EBITDA YoY	-13.37	21.74	-2.12	40.54
Net Profit YoY	-69.98	-4.16	-6.18	39.58

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-09-30	2024-06-30	2023-09-30	2023-06-30	2023-03-31	2022-09-30	2022-06-30	2022-03-31	2021-09-30	2021-06-30
Earning YoY	67.06	93.18				47.79	88.33		50.00	111.76		45.83	100.00
Revenue YoY
EBITDA YoY	54.56	97.26	815.06	87.61	55.20	54.30	126.64	141.52	50.53	107.69	210.58	46.65	103.11
Net Profit YoY	67.43	94.44	42.17			48.22	90.13		50.55	107.49		43.35	101.12

Financial Strength

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Cash Per Common Share	14.50	9.79	6.15	29.29	11.29
Quick Ratio
Current Ratio
Debt to Equity	0.76	5.55	6.64	4.52	3.60
Long-Term Debt to Equity

Breakdown	2025-09-30	2025-06-30	2025-03-31	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	6.76	7.44	8.19	9.46	7.60	5.75	9.72	6.90	11.54	6.06	6.14	4.10	2.90	8.11	30.08	5.49	9.66	17.19	11.31
Quick Ratio
Current Ratio
Debt to Equity	8.09	8.41	8.55	8.71	8.95	10.41	5.55	12.41	12.29	12.53	6.64	14.27	12.82	11.64	4.52	8.53	8.08	8.10	3.60
Long-Term Debt to Equity

Profitability

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
ROA	0.10	0.94	1.00	1.04	0.90
ROE	0.18	6.17	7.63	5.73	4.15
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-09-30	2024-06-30	2024-03-31	2023-09-30	2023-06-30	2023-03-31	2022-09-30	2022-06-30	2022-03-31	2021-09-30	2021-06-30	2021-03-31
ROA	0.75	0.45	0.23	0.02	-0.08	0.15	0.81	0.53	0.28	0.78	0.54	0.25	0.92	0.66	0.34
ROE	6.79	4.24	2.23	0.21	-0.75	1.74	10.81	7.07	3.83	11.97	7.42	3.18	8.75	5.99	3.09
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

Dividends

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Dividend Yield
Dividend Payout Ratio

Breakdown	2025-09-30	2025-06-30	2025-03-31	2024-09-30	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	7,476,316.00	2,710,502.00	2,667,589.00	2,737,856.00	2,254,383.00
Deposits	5,861,223.00	2,041,612.00	2,099,649.00	2,122,797.00	1,722,710.00
Cash and Short-Term Investments	247,685.00	114,881.00	72,100.00	358,410.00	141,452.00
Cash and Cash Equivalents	241,099.00	108,232.00	65,542.00	350,994.00	141,452.00
Short-Term Investments	6,586.00	6,649.00	6,558.00	7,416.00	0
Net Receivables	2,334,221.00	1,290,797.00	1,254,918.00	1,038,240.00	1,104,959.00
Inventory	0	0	0	0	0
Other Current Assets	0	0	0	0	0
Property, Plant, Equipment Net	33,978.00	22,353.00	18,616.00	15,688.00	16,423.00
Goodwill	96,828.00	53,777.00	53,777.00	53,777.00	53,777.00
Intangible Assets	9,268.00	0	68.00	522.00	1,183.00
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	3,229,175.00	2,296,374.00	2,318,269.00	2,242,166.00	1,764,341.00
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	4,247,141.00	414,128.00	349,320.00	495,690.00	490,042.00
Shareholders Equity	1,088,055.00	621,192.00	523,980.00	743,535.00	735,063.00
Capital Stock	207,816.00	62,550.00	61,487.00	66,820.00	79,416.00
Share Premium	0	0	0	0	0
Retained Earnings	209,984.00	210,548.00	194,400.00	173,393.00	150,749.00
Treasury Shares	0	0	0	0	0
Accumulated Other Comprehensive Income	-55,115.00	-66,034.00	-81,227.00	7,632.00	14,856.00
Minority Interest	0	0	0	0	0
Investments	2,412,639.00	3,334,588.00	5,192,401.00	7,782,230.00	3,550,638.00
Debt	69,889.00	174,488.00	174,198.00	113,908.00	5,155.00
Net Debt	0	59,607.00	102,098.00	0	0
Common Shares Outstanding	0	11,818.04	11,735.29	11,916.65	12,509.85

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Cost Of Revenue	11,113.00	309.00	1,000.00	4,300.00	3,275.00
Interest Income	160,388.00	102,418.00	82,988.00	73,856.00	66,018.00
Interest Expense	50,021.00	23,281.00	3,422.00	1,302.00	1,595.00
Net Interest	110,367.00	82,429.00	79,566.00	72,554.00	64,423.00
Non-Interest Income	6,445.00	7,020.00	5,054.00	9,005.00	13,797.00
Non-Interest Expense	94,701.00	55,300.00	48,479.00	47,842.00	47,684.00
Provisions for Credit Losses	11,113.00	85.00	-1,000.00	-4,300.00	3,275.00
Selling, General and Administrative Expenses	17,420.00	13,619.00	9,691.00	4,882.00	10,016.00
EBT	16,914.00	57,830.00	60,919.00	66,073.00	47,247.00
Income Tax	4,914.00	6,758.00	7,629.00	8,856.00	6,553.00
Net Income	7,666.00	25,536.00	26,645.00	28,401.00	20,347.00
EBIT	66,935.00	81,111.00	64,341.00	67,375.00	48,842.00
Deprecation and Amortization	11,900.00	9,896.00	10,417.00	8,999.00	5,503.00
EBITDA	78,835.00	91,007.00	74,758.00	76,374.00	54,345.00
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	17,077.02	11,728.86	11,715.38	12,237.42	12,534.08
Average Shares Outstanding Diluted	17,179.80	11,752.87	11,739.07	12,281.93	12,576.32

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Operating Cash Flow	29,284.00	30,878.00	-14,917.00	50,636.00	32,315.00
Operating Net Income	30,664.00	76,608.00	79,935.00	85,203.00	61,041.00
Deprecation and Amortization	11,900.00	9,896.00	10,417.00	8,999.00	5,503.00
Deferred Income Tax	-867.00	110.00	224.00	1,465.00	-1,051.00
Share Based Compensation	879.00	858.00	497.00	405.00	470.00
Change in Working Capital	804.00	-19.00	-1,097.00	-1,689.00	1,138.00
Other Operating Activities	-14,096.00	-56,575.00	-104,893.00	-43,747.00	-34,786.00
Investing Cash Flow	64,473.00	24,194.00	-197,596.00	-365,137.00	-372,607.00
Capital Expenditure	0.00	0.00	0.00	0.00	0.00
Net Purchase/Sale of PPE	5,061.00	13,068.00	377.00	1,058.00	1,498.00
Net Purchase/Sale of Investments Net	125,847.00	67,002.00	623,246.00	576,923.00	35,914.00
Net Purchase/Sale of Business	-58,521.00	0	0	0	0
Net Loan & Lease Activity	113,078.00	35,297.00	216,523.00	-60,738.00	154,331.00
Other Investing Activities	-120,992.00	-91,173.00	-1,037,742.00	-882,380.00	-564,350.00
Financing Cash Flow	-27,560.00	-34,940.00	59,358.00	430,854.00	357,217.00
Net Issuance/Repayment of Debt	1,979,000.00	7,022,000.00	4,919,652.00	34,299.00	0
Net Issuance/Repurchase of Equity	1,502.00	414.00	15,038.00	28,159.00	23,060.00
Dividends Paid	8,230.00	5,657.00	5,638.00	5,757.00	5,530.00
Other Financing Activities	-2,016,292.00	-7,063,011.00	-4,880,970.00	362,639.00	328,627.00
Net Change in Cash	66,197.00	22,558.00	-132,297.00	93,189.00	17,704.00
Cash at Beginning of Period	54,201.00	31,170.00	163,467.00	70,278.00	52,574.00
Cash at End of Period	120,398.00	53,728.00	31,170.00	163,467.00	70,278.00
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	3,612,264.00	3,576,811.00	3,553,086.00	7,476,316.00	3,531,298.00	3,484,671.00	2,415,624.00	2,710,502.00	2,435,359.00	2,489,807.00	2,463,893.00	2,667,589.00	2,425,698.00	2,353,592.00	2,423,030.00	2,737,856.00	2,348,377.00	2,280,550.00	2,200,523.00	2,254,383.00
Deposits	3,075,931.00	2,994,921.00	2,928,678.00	5,861,223.00	2,921,695.00	2,869,300.00	2,031,249.00	2,041,612.00	2,148,842.00	2,200,294.00	2,175,747.00	2,099,649.00	2,139,144.00	2,105,997.00	2,162,360.00	2,122,797.00	2,058,092.00	1,979,094.00	1,922,403.00	1,722,710.00
Cash and Short-Term Investments	128,327.00	141,078.00	155,076.00	247,685.00	155,803.00	116,220.00	67,538.00	114,881.00	80,929.00	135,216.00	70,925.00	72,100.00	48,122.00	34,065.00	95,908.00	358,410.00	67,693.00	120,666.00	214,841.00	141,452.00
Cash and Cash Equivalents	121,558.00	134,373.00	148,392.00	241,099.00	149,013.00	109,669.00	60,959.00	108,232.00	74,575.00	128,658.00	64,262.00	65,542.00	41,578.00	27,233.00	88,837.00	350,994.00	67,693.00	120,666.00	214,841.00	141,452.00
Short-Term Investments	6,769.00	6,705.00	6,684.00	6,586.00	6,790.00	6,551.00	6,579.00	6,649.00	6,354.00	6,558.00	6,663.00	6,558.00	6,544.00	6,832.00	7,071.00	7,416.00	0	0	0	0
Net Receivables	2,451,142.00	2,399,387.00	2,346,897.00	2,334,221.00	2,297,143.00	2,256,571.00	1,286,609.00	1,290,797.00	1,275,411.00	1,255,658.00	1,285,554.00	1,254,918.00	1,223,973.00	1,134,688.00	1,010,963.00	1,038,240.00	1,083,906.00	1,071,335.00	1,093,511.00	1,104,959.00
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	23,569.00	23,974.00	23,828.00	33,978.00	23,524.00	21,752.00	14,102.00	22,353.00	9,703.00	10,939.00	8,040.00	18,616.00	7,909.00	8,060.00	8,178.00	15,688.00	8,429.00	8,465.00	8,349.00	16,423.00
Goodwill	96,828.00	96,828.00	96,828.00	96,828.00	96,379.00	96,379.00	53,777.00	53,777.00	53,777.00	53,777.00	53,777.00	53,777.00	53,777.00	53,777.00	53,777.00	53,777.00	53,777.00	53,777.00	53,777.00	53,777.00
Intangible Assets	8,516.00	8,767.00	9,017.00	9,268.00	9,518.00	9,769.00	0	0	0	0	0	68.00	102.00	242.00	382.00	522.00	662.00	835.00	1,009.00	1,183.00
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	0	0	0	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	0	0	0	0	0	0
Liabilities	3,214,688.00	3,196,809.00	3,180,889.00	3,229,175.00	3,167,783.00	3,134,429.00	2,203,907.00	2,296,374.00	2,253,709.00	2,302,447.00	2,281,841.00	2,318,269.00	2,266,884.00	2,183,339.00	2,231,370.00	2,242,166.00	2,101,829.00	2,029,501.00	1,958,678.00	1,764,341.00
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	269,722.00	0	0	0	0	0	100,000.00	9,324.00	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	397,576.00	380,002.00	372,197.00	4,247,141.00	363,515.00	350,242.00	211,717.00	414,128.00	181,650.00	187,360.00	182,052.00	349,320.00	158,814.00	170,253.00	191,660.00	495,690.00	246,548.00	251,049.00	241,845.00	490,042.00
Shareholders Equity	397,576.00	380,002.00	372,197.00	1,088,055.00	363,515.00	350,242.00	211,717.00	621,192.00	181,650.00	187,360.00	182,052.00	523,980.00	158,814.00	170,253.00	191,660.00	743,535.00	246,548.00	251,049.00	241,845.00	735,063.00
Capital Stock	209,671.00	209,268.00	208,958.00	207,816.00	207,164.00	206,821.00	62,801.00	62,550.00	62,338.00	62,128.00	61,924.00	61,487.00	61,262.00	60,975.00	62,893.00	66,820.00	68,265.00	75,265.00	79,732.00	79,416.00
Share Premium	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Earnings	230,119.00	221,542.00	215,999.00	209,984.00	205,362.00	204,250.00	212,805.00	210,548.00	206,073.00	201,100.00	196,229.00	194,400.00	188,174.00	183,197.00	178,054.00	173,393.00	167,993.00	162,910.00	156,851.00	150,749.00
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	-42,214.00	-50,808.00	-52,760.00	-55,115.00	-49,011.00	-60,829.00	-63,889.00	-66,034.00	-86,761.00	-75,868.00	-76,101.00	-81,227.00	-90,622.00	-73,919.00	-49,287.00	7,632.00	10,290.00	12,874.00	5,262.00	14,856.00
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	2,383,805.00	2,372,229.00	2,378,854.00	2,412,639.00	2,524,540.00	2,465,809.00	2,603,227.00	3,334,588.00	2,683,525.00	2,789,470.00	2,836,603.00	5,192,401.00	5,473,206.00	5,777,165.00	8,139,474.00	7,782,230.00	5,301,937.00	4,762,239.00	3,843,763.00	3,550,638.00
Debt	69,998.00	69,962.00	69,925.00	69,889.00	69,853.00	69,817.00	339,502.00	174,488.00	69,708.00	69,671.00	69,635.00	174,198.00	169,563.00	48,850.00	39,490.00	113,908.00	5,155.00	5,155.00	5,155.00	5,155.00
Net Debt	0	0	0	0	0	0	271,964.00	59,607.00	0	0	0	102,098.00	121,441.00	14,785.00	0	0	0	0	0	0
Common Shares Outstanding	19,138.68	19,130.51	0	0	18,945.59	18,939.53	11,831.99	11,818.04	11,814.88	11,812.42	11,754.94	11,735.29	11,732.01	11,717.15	11,752.62	11,916.65	11,987.90	12,329.09	12,524.61	12,509.85

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
Cost Of Revenue	3,239.00	2,572.00	41.00	-9,713.00	9,889.00	10,407.00	530.00	-1,878.00	967.00	702.00	518.00	500.00	500.00	0	0	-4,600.00	3,800.00	3,300.00	1,800.00
Interest Income	138,052.00	91,163.00	45,138.00	-49,772.00	114,909.00	69,624.00	25,627.00	-48,451.00	76,596.00	50,130.00	24,143.00	-33,480.00	59,639.00	38,647.00	18,182.00	-34,892.00	54,699.00	36,202.00	17,847.00
Interest Expense	37,621.00	25,677.00	12,956.00	-15,415.00	36,566.00	21,495.00	7,375.00	-6,010.00	16,748.00	9,981.00	2,562.00	-471.00	2,068.00	1,240.00	585.00	-409.00	853.00	566.00	292.00
Net Interest	100,431.00	65,486.00	32,182.00	-35,178.00	78,343.00	48,129.00	19,073.00	-43,251.00	62,313.00	41,786.00	21,581.00	-33,009.00	57,571.00	37,407.00	17,597.00	-34,483.00	53,846.00	35,636.00	17,555.00
Non-Interest Income	7,941.00	4,975.00	2,611.00	-2,370.00	4,142.00	3,037.00	1,636.00	-2,476.00	4,752.00	3,169.00	1,575.00	-3,468.00	4,084.00	2,604.00	1,834.00	-3,294.00	6,224.00	4,076.00	1,999.00
Non-Interest Expense	67,934.00	45,766.00	23,470.00	-35,981.00	71,513.00	43,836.00	15,333.00	-25,361.00	40,446.00	27,010.00	13,205.00	-22,820.00	36,326.00	23,528.00	11,445.00	-21,644.00	35,080.00	23,018.00	11,388.00
Provisions for Credit Losses	3,239.00	2,572.00	-41.00	-8,653.00	9,889.00	10,407.00	-530.00	2,272.00	-967.00	-702.00	-518.00	-500.00	-500.00	0	0	-13,200.00	3,800.00	3,300.00	1,800.00
Selling, General and Administrative Expenses	8,554.00	5,621.00	2,827.00	5,258.00	6,653.00	3,966.00	1,543.00	4,700.00	4,012.00	2,521.00	2,386.00	-4,622.00	7,385.00	4,711.00	2,217.00	-9,080.00	7,103.00	4,644.00	2,215.00
EBT	37,199.00	22,123.00	11,364.00	14,107.00	1,083.00	-3,077.00	4,801.00	4,714.00	26,143.00	17,655.00	9,318.00	11,621.00	24,829.00	16,483.00	7,986.00	7,323.00	28,790.00	19,994.00	9,966.00
Income Tax	10,201.00	5,998.00	3,071.00	3,014.00	312.00	463.00	1,125.00	-6,494.00	6,501.00	4,403.00	2,348.00	-3,943.00	5,817.00	3,855.00	1,900.00	-5,810.00	7,227.00	4,952.00	2,487.00
Net Income	26,998.00	16,125.00	8,293.00	5,833.00	771.00	-2,614.00	3,676.00	-14,328.00	19,642.00	13,252.00	6,970.00	-11,081.00	19,012.00	12,628.00	6,086.00	-15,683.00	21,563.00	15,042.00	7,479.00
EBIT	74,820.00	47,800.00	24,320.00	-1,308.00	37,649.00	18,418.00	12,176.00	-1,296.00	42,891.00	27,636.00	11,880.00	11,150.00	26,897.00	17,723.00	8,571.00	6,914.00	29,643.00	20,560.00	10,258.00
Deprecation and Amortization	12,057.00	8,408.00	4,175.00	4,422.00	2,704.00	3,091.00	1,683.00	-4,711.00	7,270.00	4,873.00	2,464.00	-5,211.00	7,787.00	5,318.00	2,523.00	-3,342.00	6,440.00	4,045.00	1,856.00
EBITDA	86,877.00	56,208.00	28,495.00	3,114.00	40,353.00	21,509.00	13,859.00	-6,007.00	50,161.00	32,509.00	14,344.00	5,939.00	34,684.00	23,041.00	11,094.00	3,572.00	36,083.00	24,605.00	12,114.00
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	18,980.66	18,960.67	18,933.83	24,797.22	16,478.05	15,282.27	11,750.53	11,774.86	11,723.23	11,713.52	11,703.81	11,561.67	11,723.79	11,746.80	11,829.25	11,624.62	12,332.25	12,497.22	12,495.61
Average Shares Outstanding Diluted	19,051.29	19,028.42	19,014.77	24,984.06	16,575.36	15,369.53	11,790.23	11,796.71	11,745.61	11,738.04	11,731.14	11,557.45	11,748.69	11,778.13	11,872.02	11,653.90	12,378.59	12,548.10	12,547.14

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	35,801.00	22,596.00	11,067.00	-6,282.00	21,278.00	10,306.00	3,982.00	-18,565.00	23,437.00	15,474.00	10,532.00	-33,750.00	13,944.00	5,524.00	-635.00	-15,597.00	32,079.00	27,775.00	6,379.00
Operating Net Income	26,998.00	16,125.00	8,293.00	28,831.00	771.00	-2,614.00	3,676.00	36,744.00	19,642.00	13,252.00	6,970.00	42,209.00	19,012.00	12,628.00	6,086.00	41,119.00	21,563.00	15,042.00	7,479.00
Deprecation and Amortization	12,057.00	8,408.00	4,175.00	4,422.00	2,704.00	3,091.00	1,683.00	-4,711.00	7,270.00	4,873.00	2,464.00	-5,211.00	7,787.00	5,318.00	2,523.00	-3,342.00	6,440.00	4,045.00	1,856.00
Deferred Income Tax	0	0	0	-867.00	0	0	0	110.00	0	0	0	224.00	0	0	0	1,465.00	0	0	0
Share Based Compensation	875.00	600.00	291.00	-291.00	621.00	368.00	181.00	-490.00	689.00	519.00	140.00	-105.00	324.00	181.00	97.00	-216.00	310.00	210.00	101.00
Change in Working Capital	-2,087.00	-1,713.00	-1,076.00	-3,594.00	2,636.00	2,664.00	-902.00	506.00	40.00	-381.00	-184.00	-957.00	-210.00	-20.00	90.00	1,049.00	-1,404.00	-1,095.00	-239.00
Other Operating Activities	-2,042.00	-824.00	-616.00	-34,783.00	14,546.00	6,797.00	-656.00	-50,724.00	-4,204.00	-2,789.00	1,142.00	-69,910.00	-12,969.00	-12,583.00	-9,431.00	-55,672.00	5,170.00	9,573.00	-2,818.00
Investing Cash Flow	-78,047.00	-39,424.00	804.00	-122,595.00	78,634.00	80,474.00	27,960.00	-20,522.00	20,851.00	30,068.00	-6,203.00	232,181.00	-196,788.00	-125,153.00	-107,836.00	275,531.00	-354,108.00	-226,371.00	-60,189.00
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	1,813.00	1,389.00	434.00	304.00	3,436.00	880.00	441.00	2,517.00	7,078.00	3,263.00	210.00	176.00	115.00	84.00	2.00	-899.00	898.00	713.00	346.00
Net Purchase/Sale of Investments Net	46,696.00	32,446.00	10,214.00	-76,564.00	109,404.00	68,308.00	24,699.00	-33,372.00	43,413.00	33,742.00	23,219.00	-983,226.00	592,773.00	575,888.00	437,811.00	503,205.00	38,727.00	23,660.00	11,331.00
Net Purchase/Sale of Business	0	0	0	-175,567.00	58,523.00	58,523.00	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Loan & Lease Activity	113,078.00	35,297.00	216,523.00	-60,738.00	154,331.00
Other Investing Activities	-235,560.00	-132,500.00	-19,054.00	143,130.00	-178,280.00	-92,364.00	6,522.00	23,147.00	-49,095.00	-6,381.00	-58,844.00	1,254,042.00	-975,150.00	-798,110.00	-518,524.00	-229,141.00	-376,140.00	-218,740.00	-58,359.00
Financing Cash Flow	43,406.00	30,803.00	16,123.00	36,617.00	-4,627.00	-34,839.00	-24,711.00	-114,766.00	-883.00	51,946.00	28,763.00	-18,833.00	60,955.00	-16,605.00	33,841.00	-335,947.00	319,444.00	248,984.00	198,373.00
Net Issuance/Repayment of Debt	1,873,000.00	951,000.00	178,000.00	-1,853,000.00	1,713,000.00	1,444,000.00	675,000.00	-13,195,000.00	6,739,000.00	6,739,000.00	6,739,000.00	-1,573,880.00	4,185,652.00	2,307,880.00	0	34,299.00	0	0	0
Net Issuance/Repurchase of Equity	1,282.00	1,154.00	1,011.00	846.00	357.00	229.00	70.00	50.00	164.00	124.00	76.00	-4,427.00	7,467.00	7,323.00	4,675.00	10,556.00	12,381.00	5,165.00	57.00
Dividends Paid	6,863.00	4,567.00	2,278.00	-2,830.00	5,957.00	3,684.00	1,419.00	-2,812.00	4,238.00	2,821.00	1,410.00	-2,842.00	4,231.00	2,824.00	1,425.00	-2,820.00	4,319.00	2,881.00	1,377.00
Other Financing Activities	-1,837,739.00	-925,918.00	-165,166.00	1,891,601.00	-1,723,941.00	-1,482,752.00	-701,200.00	13,082,996.00	-6,744,285.00	-6,689,999.00	-6,711,723.00	1,562,316.00	-4,136,395.00	-2,334,632.00	27,741.00	-377,982.00	302,744.00	240,938.00	196,939.00
Net Change in Cash	1,160.00	13,975.00	27,994.00	-92,260.00	95,285.00	55,941.00	7,231.00	-151,427.00	43,405.00	97,488.00	33,092.00	200,456.00	-121,889.00	-136,234.00	-74,630.00	-99,177.00	-2,585.00	50,388.00	144,563.00
Cash at Beginning of Period	120,398.00	120,398.00	120,398.00	212,658.00	53,728.00	53,728.00	53,728.00	205,155.00	31,170.00	31,170.00	31,170.00	-169,286.00	163,467.00	163,467.00	163,467.00	262,644.00	70,278.00	70,278.00	70,278.00
Cash at End of Period	121,558.00	134,373.00	148,392.00	120,398.00	149,013.00	109,669.00	60,959.00	53,728.00	74,575.00	128,658.00	64,262.00	31,170.00	41,578.00	27,233.00	88,837.00	163,467.00	67,693.00	120,666.00	214,841.00
Free Cash Flow	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0