EFSI
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 8.43 | 11.28 | |||
| Price to Sales | |||||
| Book Value Per Common Share | 33.79 | 30.78 | 29.15 | 31.93 | 30.86 |
| Price to Book | 1.08 | 0.97 | |||
| Price to Operating Cash Flow | 6.89 | 15.38 | |||
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 13140.57 | 8057.55 |
| 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 | 49.78 | -90.06 | -21.43 | 12.56 | 20.49 | 41.46 | ||||||||||||||
| Price to Sales | 19.95 | |||||||||||||||||||
| Book Value Per Common Share | 34.52 | 33.41 | 32.81 | 33.79 | 33.20 | 31.24 | 30.28 | 30.78 | 28.74 | 29.47 | 29.66 | 29.15 | 28.22 | 28.58 | 29.37 | 31.93 | 31.83 | 31.25 | 30.63 | 30.86 |
| Price to Book | 1.10 | 0.92 | 1.00 | 1.08 | 0.98 | 1.06 | 0.99 | 0.97 | ||||||||||||
| Price to Operating Cash Flow | 12.27 | 19.68 | 25.85 | 9.25 | 23.79 | 15.72 | ||||||||||||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 48596.87 | 134951.68 | 1335927.96 | 28101.47 | 44709.40 | 83528.81 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | 62.41 | -36.21 | 30.31 | -2.14 | |
| Revenue YoY | |||||
| EBITDA YoY | -25.60 | 87.66 | 374.94 | -12.54 | |
| Net Profit YoY | 63.97 | -35.56 | 31.76 | -1.35 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 60.25 | 123.61 | 50.00 | 80.82 | 56.25 | 121.28 | 48.54 | 103.57 | ||||||||||||
| Revenue YoY | ||||||||||||||||||||
| EBITDA YoY | 243.12 | 823.94 | -92.52 | 55.93 | 106.46 | -81.91 | 62.03 | 114.52 | -76.33 | 65.50 | 131.12 | 46.98 | 102.12 | |||||||
| Net Profit YoY | 54.95 | 59.72 | 125.00 | 49.95 | 79.61 | 56.37 | 122.83 | 48.99 | 104.93 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 54.35 | 39.27 | 19.21 | 18.62 | 23.39 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 14.68 | 15.84 | 14.89 | 10.82 | 9.76 |
| 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 | 49.87 | 73.63 | 57.95 | 54.86 | 50.96 | 34.76 | 35.88 | 39.29 | 40.27 | 22.37 | 36.54 | 19.17 | 10.30 | 9.24 | 27.58 | 18.55 | 19.83 | 30.34 | 25.41 | 23.47 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 9.41 | 10.33 | 9.79 | 14.68 | 14.97 | 15.11 | 15.55 | 15.84 | 16.80 | 16.09 | 15.82 | 14.89 | 13.96 | 13.10 | 12.46 | 10.82 | 10.41 | 10.33 | 10.28 | 9.76 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.82 | 0.51 | 0.90 | 0.85 | 0.99 |
| ROE | 12.89 | 8.63 | 14.27 | 9.99 | 10.63 |
| Gross Margin | -60900.00 | ||||
| Operating Margin | 2314400.00 | ||||
| EBITDA Margin | 2328300.00 | ||||
| Net Profit Margin | 484033.33 |
| 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 | 0.20 | 0.12 | -0.37 | 0.49 | 0.32 | 0.14 | 0.39 | 0.26 | 0.15 | 0.77 | 0.52 | 0.24 | 0.70 | 0.48 | 0.24 | |||||
| ROE | 2.09 | 1.39 | -3.95 | 7.77 | 5.16 | 2.37 | 6.88 | 4.47 | 2.47 | 11.50 | 7.28 | 3.18 | 7.96 | 5.45 | 2.72 | |||||
| Gross Margin | 17.06 | |||||||||||||||||||
| Operating Margin | 404.72 | |||||||||||||||||||
| EBITDA Margin | 410.43 | |||||||||||||||||||
| Net Profit Margin | 38.05 |
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 | 1,866,215.00 | 1,825,597.00 | 1,616,717.00 | 1,303,038.00 | 1,130,152.00 |
| Deposits | 1,575,156.00 | 1,506,322.00 | 1,264,075.00 | 1,177,235.00 | 1,013,098.00 |
| Cash and Short-Term Investments | 193,159.00 | 138,353.00 | 66,894.00 | 64,068.00 | 79,920.00 |
| Cash and Cash Equivalents | 193,159.00 | 138,353.00 | 66,894.00 | 64,068.00 | 79,920.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 2,660.00 | 1,661.00 | 153.00 | 876.00 | 814,328.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 23,804.00 | 22,495.00 | 22,830.00 | 23,388.00 | 18,725.00 |
| Real Estate | 0 | 0 | 108.00 | 0 | 607.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 20.00 | 75.00 | 48.00 | 65.00 | 76.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 1,747,228.00 | 1,717,218.00 | 1,514,988.00 | 1,192,758.00 | 1,025,078.00 |
| 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 | 25,000.00 | 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 | 118,987.00 | 108,379.00 | 101,729.00 | 110,280.00 | 105,074.00 |
| Shareholders Equity | 118,987.00 | 108,379.00 | 101,729.00 | 110,280.00 | 105,074.00 |
| Capital Stock | 8,714.00 | 8,660.00 | 8,629.00 | 8,556.00 | 8,460.00 |
| Share Premium | 14,901.00 | 14,280.00 | 13,268.00 | 12,115.00 | 10,811.00 |
| Retained Earnings | 114,012.00 | 103,445.00 | 100,278.00 | 89,764.00 | 82,524.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -18,640.00 | -18,006.00 | -20,446.00 | -155.00 | 3,279.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 128,887.00 | 147,011.00 | 158,389.00 | 193,370.00 | 1,267.00 |
| Debt | 29,512.00 | 29,444.00 | 29,377.00 | 0 | 0 |
| Common Shares Outstanding | 3,520.89 | 3,520.89 | 3,490.09 | 3,454.13 | 3,405.03 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 0 | 0 | 3.00 | 0 | 0 |
| Cost Of Revenue | 7,679.00 | 1,641.00 | 1,830.00 | 1,483.00 | 1,457.00 |
| Interest Income | 91,321.00 | 83,128.00 | 54,686.00 | 42,676.00 | 38,908.00 |
| Interest Expense | 40,094.00 | 98,511.00 | 16,419.00 | 1,677.00 | 3,281.00 |
| Net Interest | 153,681.00 | 150,873.00 | 147,639.00 | 40,999.00 | 35,627.00 |
| Non-Interest Income | 21,557.00 | 14,745.00 | 13,345.00 | 11,320.00 | 8,579.00 |
| Non-Interest Expense | 153,996.00 | 158,262.00 | 129,171.00 | 38,049.00 | 29,441.00 |
| Provisions for Credit Losses | 2,525.00 | 1,641.00 | 1,830.00 | 1,483.00 | 1,457.00 |
| Gross Profit | 0 | 0 | -1,827.00 | 0 | 0 |
| Selling, General and Administrative Expenses | 14,677.00 | 7,450.00 | 6,016.00 | 7,373.00 | 4,242.00 |
| EBT | 56,703.00 | 31,899.00 | 53,013.00 | 12,787.00 | 13,308.00 |
| Income Tax | 10,313.00 | 3,415.00 | 9,135.00 | 1,735.00 | 2,102.00 |
| Net Income | 15,343.00 | 9,357.00 | 14,521.00 | 11,021.00 | 11,172.00 |
| EBIT | 96,797.00 | 130,410.00 | 69,432.00 | 14,464.00 | 16,589.00 |
| Deprecation and Amortization | 721.00 | 667.00 | 417.00 | 243.00 | 227.00 |
| EBITDA | 97,518.00 | 131,077.00 | 69,849.00 | 14,707.00 | 16,816.00 |
| 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 | 3,553.92 | 3,523.55 | 3,482.37 | 3,440.08 | 3,417.54 |
| Average Shares Outstanding Diluted | 3,553.92 | 3,523.55 | 3,482.37 | 3,440.08 | 3,417.54 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 18,762.00 | 6,875.00 | 13,814.00 | 14,221.00 | 11,006.00 |
| Operating Net Income | 15,343.00 | 9,357.00 | 14,521.00 | 11,021.00 | 11,172.00 |
| Deprecation and Amortization | 721.00 | 667.00 | 417.00 | -243.00 | 227.00 |
| Deferred Income Tax | 600.00 | -1,509.00 | -86.00 | -1,437.00 | -471.00 |
| Share Based Compensation | 912.00 | 1,213.00 | 1,017.00 | 850.00 | 604.00 |
| Change in Working Capital | -1,413.00 | 5,918.00 | 4,036.00 | 3,037.00 | 487.00 |
| Other Operating Activities | 2,599.00 | -8,771.00 | -6,091.00 | 993.00 | -1,013.00 |
| Investing Cash Flow | 16,746.00 | -130,284.00 | -331,336.00 | -190,979.00 | -201,474.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 8,691.00 | 1,110.00 | 871.00 | 520.00 | 461.00 |
| Net Purchase/Sale of Investments Net | 30,720.00 | 24,873.00 | 78,003.00 | 169,619.00 | 56,840.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 0 | -51,871.00 | -155,525.00 | -100,176.00 | 191,411.00 |
| Other Investing Activities | -22,665.00 | -104,396.00 | -254,685.00 | -260,942.00 | -450,186.00 |
| Financing Cash Flow | 19,298.00 | 194,868.00 | 320,348.00 | 160,906.00 | 236,729.00 |
| Net Issuance/Repayment of Debt | 0 | -155,000.00 | 204,326.00 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | 4,299.00 | 4,229.00 | 3,808.00 | 3,261.00 | 3,198.00 |
| Other Financing Activities | 14,999.00 | 345,639.00 | 112,214.00 | 157,645.00 | 233,531.00 |
| Net Change in Cash | 54,806.00 | 71,459.00 | 2,826.00 | -15,852.00 | 46,261.00 |
| Cash at Beginning of Period | 138,353.00 | 66,894.00 | 64,068.00 | 79,920.00 | 33,659.00 |
| Cash at End of Period | 193,159.00 | 138,353.00 | 66,894.00 | 64,068.00 | 79,920.00 |
| 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 | 1,932,473.00 | 2,035,080.00 | 1,904,477.00 | 1,866,215.00 | 1,881,701.00 | 1,790,405.00 | 1,782,901.00 | 1,825,597.00 | 1,801,470.00 | 1,776,716.00 | 1,756,722.00 | 1,616,717.00 | 1,473,120.00 | 1,402,513.00 | 1,374,295.00 | 1,303,038.00 | 1,252,753.00 | 1,219,144.00 | 1,184,957.00 | 1,130,152.00 |
| Deposits | 1,655,048.00 | 1,766,524.00 | 1,613,791.00 | 1,575,156.00 | 1,545,936.00 | 1,488,584.00 | 1,473,942.00 | 1,506,322.00 | 1,498,380.00 | 1,458,008.00 | 1,389,951.00 | 1,264,075.00 | 1,254,114.00 | 1,231,513.00 | 1,231,323.00 | 1,177,235.00 | 1,130,665.00 | 1,099,398.00 | 1,067,989.00 | 1,013,098.00 |
| Cash and Short-Term Investments | 268,129.00 | 396,002.00 | 264,946.00 | 193,159.00 | 181,191.00 | 123,655.00 | 127,633.00 | 138,353.00 | 142,038.00 | 78,895.00 | 128,715.00 | 66,894.00 | 35,935.00 | 32,137.00 | 95,910.00 | 64,068.00 | 68,408.00 | 104,463.00 | 87,150.00 | 79,920.00 |
| Cash and Cash Equivalents | 268,129.00 | 396,002.00 | 264,946.00 | 193,159.00 | 181,191.00 | 123,655.00 | 127,633.00 | 138,353.00 | 142,038.00 | 78,895.00 | 128,715.00 | 66,894.00 | 35,935.00 | 32,137.00 | 95,910.00 | 64,068.00 | 68,408.00 | 104,463.00 | 87,150.00 | 79,920.00 |
| 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 | 3,479.00 | 3,302.00 | 3,173.00 | 2,660.00 | 3,657.00 | 3,058.00 | 1,593.00 | 1,661.00 | 3,564.00 | 3,570.00 | 0 | 153.00 | 90.00 | 399.00 | 843.00 | 876.00 | 1,148.00 | 1,073.00 | 844,293.00 | 814,328.00 |
| 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 | 24,519.00 | 24,536.00 | 24,669.00 | 23,804.00 | 22,198.00 | 22,308.00 | 22,245.00 | 22,495.00 | 22,903.00 | 22,641.00 | 22,499.00 | 22,830.00 | 22,832.00 | 18,155.00 | 18,333.00 | 23,388.00 | 18,572.00 | 18,627.00 | 18,822.00 | 18,725.00 |
| Real Estate | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 108.00 | 0 | 0 | 0 | 0 | 193.00 | 423.00 | 515.00 | 607.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 | 0 | 0 | 0 | 20.00 | 0 | 0 | 0 | 75.00 | 0 | 0 | 0 | 48.00 | 0 | 0 | 0 | 65.00 | 0 | 0 | 0 | 76.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 1,746,892.00 | 1,855,432.00 | 1,728,002.00 | 1,747,228.00 | 1,763,857.00 | 1,679,290.00 | 1,675,196.00 | 1,717,218.00 | 1,700,287.00 | 1,672,746.00 | 1,652,262.00 | 1,514,988.00 | 1,374,620.00 | 1,303,023.00 | 1,272,192.00 | 1,192,758.00 | 1,142,951.00 | 1,111,542.00 | 1,079,893.00 | 1,025,078.00 |
| 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 | 101.00 | 172.00 | 25,000.00 | 25,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 185,581.00 | 179,648.00 | 176,475.00 | 118,987.00 | 117,844.00 | 111,115.00 | 107,705.00 | 108,379.00 | 101,183.00 | 103,970.00 | 104,460.00 | 101,729.00 | 98,500.00 | 99,490.00 | 102,103.00 | 110,280.00 | 109,802.00 | 107,602.00 | 105,064.00 | 105,074.00 |
| Shareholders Equity | 185,581.00 | 179,648.00 | 176,475.00 | 118,987.00 | 117,844.00 | 111,115.00 | 107,705.00 | 108,379.00 | 101,183.00 | 103,970.00 | 104,460.00 | 101,729.00 | 98,500.00 | 99,490.00 | 102,103.00 | 110,280.00 | 109,802.00 | 107,602.00 | 105,064.00 | 105,074.00 |
| Capital Stock | 13,260.00 | 13,260.00 | 13,252.00 | 8,714.00 | 8,714.00 | 8,707.00 | 8,705.00 | 8,660.00 | 8,660.00 | 8,661.00 | 8,651.00 | 8,629.00 | 8,600.00 | 8,594.00 | 8,586.00 | 8,556.00 | 8,521.00 | 8,515.00 | 8,495.00 | 8,460.00 |
| Share Premium | 64,458.00 | 64,154.00 | 63,922.00 | 14,901.00 | 14,633.00 | 14,604.00 | 14,368.00 | 14,280.00 | 13,970.00 | 13,881.00 | 13,435.00 | 13,268.00 | 13,003.00 | 12,594.00 | 12,260.00 | 12,115.00 | 11,750.00 | 11,426.00 | 11,021.00 | 10,811.00 |
| Retained Earnings | 113,448.00 | 109,530.00 | 105,928.00 | 114,012.00 | 108,927.00 | 106,567.00 | 104,449.00 | 103,445.00 | 102,106.00 | 100,844.00 | 99,845.00 | 100,278.00 | 98,128.00 | 95,058.00 | 92,040.00 | 89,764.00 | 88,446.00 | 86,539.00 | 84,462.00 | 82,524.00 |
| 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 | -5,585.00 | -7,296.00 | -6,627.00 | -18,640.00 | -14,430.00 | -18,763.00 | -19,817.00 | -18,006.00 | -23,553.00 | -19,416.00 | -17,471.00 | -20,446.00 | -21,231.00 | -16,756.00 | -10,783.00 | -155.00 | 1,085.00 | 1,122.00 | 1,086.00 | 3,279.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 125,165.00 | 124,693.00 | 114,844.00 | 128,887.00 | 140,018.00 | 138,269.00 | 141,106.00 | 147,011.00 | 142,559.00 | 151,513.00 | 160,192.00 | 158,389.00 | 156,361.00 | 181,162.00 | 194,554.00 | 193,370.00 | 1,049.00 | 1,045.00 | 1,267.00 | 1,267.00 |
| Debt | 29,562.00 | 29,545.00 | 29,529.00 | 29,512.00 | 29,495.00 | 29,478.00 | 29,461.00 | 29,444.00 | 29,428.00 | 29,411.00 | 29,394.00 | 29,377.00 | 29,360.00 | 29,343.00 | 29,327.00 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 5,376.35 | 5,376.35 | 5,378.65 | 3,520.89 | 3,549.58 | 3,556.84 | 3,557.23 | 3,520.89 | 3,520.89 | 3,528.24 | 3,522.43 | 3,490.09 | 3,490.17 | 3,481.19 | 3,477.02 | 3,454.13 | 3,449.20 | 3,442.78 | 3,429.69 | 3,405.03 |
| 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 | 10,196.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cost Of Revenue | 8,457.00 | 5,703.00 | 1,233.00 | 4,348.00 | 2,200.00 | 656.00 | 475.00 | -1,524.00 | 1,337.00 | 1,119.00 | 709.00 | -510.00 | 900.00 | 900.00 | 540.00 | -1,182.00 | 1,183.00 | 883.00 | 599.00 |
| Interest Income | 74,250.00 | 48,317.00 | 23,502.00 | -41,578.00 | 67,327.00 | 43,660.00 | 21,912.00 | -35,465.00 | 61,113.00 | 38,922.00 | 18,558.00 | -19,501.00 | 38,522.00 | 24,156.00 | 11,509.00 | -18,980.00 | 31,211.00 | 20,429.00 | 10,016.00 |
| Interest Expense | 28,017.00 | 19,283.00 | 10,166.00 | -18,063.00 | 29,599.00 | 19,070.00 | 9,488.00 | 55,650.00 | 23,111.00 | 13,836.00 | 5,914.00 | 12,386.00 | 2,565.00 | 1,098.00 | 370.00 | -1,035.00 | 1,304.00 | 921.00 | 487.00 |
| Net Interest | 138,699.00 | 87,102.00 | 13,336.00 | 78,939.00 | 37,728.00 | 24,590.00 | 12,424.00 | 75,141.00 | 38,002.00 | 25,086.00 | 12,644.00 | 77,485.00 | 35,957.00 | 23,058.00 | 11,139.00 | -17,945.00 | 29,907.00 | 19,508.00 | 9,529.00 |
| Non-Interest Income | 13,252.00 | -3,637.00 | -8,554.00 | -2,716.00 | 13,036.00 | 7,766.00 | 3,471.00 | -6,756.00 | 11,092.00 | 6,883.00 | 3,526.00 | -7,246.00 | 10,256.00 | 7,092.00 | 3,243.00 | -4,142.00 | 7,958.00 | 5,077.00 | 2,427.00 |
| Non-Interest Expense | 120,996.00 | 77,964.00 | 12,589.00 | 78,955.00 | 37,777.00 | 24,887.00 | 12,377.00 | 81,061.00 | 39,474.00 | 25,341.00 | 12,386.00 | 67,288.00 | 31,509.00 | 20,451.00 | 9,923.00 | -12,676.00 | 26,166.00 | 16,643.00 | 7,916.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | -1,054.00 | 2,315.00 | 789.00 | 475.00 | -1,524.00 | 1,337.00 | 1,119.00 | 709.00 | -510.00 | 900.00 | 900.00 | 540.00 | -1,182.00 | 1,183.00 | 883.00 | 599.00 |
| Gross Profit | 1,739.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,827.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 12,706.00 | 8,411.00 | 1,732.00 | 5,566.00 | 4,494.00 | 3,048.00 | 1,569.00 | -3,817.00 | 5,584.00 | 3,824.00 | 1,859.00 | -2,971.00 | 4,435.00 | 3,170.00 | 1,382.00 | -238.00 | 3,788.00 | 2,572.00 | 1,251.00 |
| EBT | 13,248.00 | -7,476.00 | -9,040.00 | 36,060.00 | 10,787.00 | 6,813.00 | 3,043.00 | 14,881.00 | 8,337.00 | 5,561.00 | 3,120.00 | 26,491.00 | 13,804.00 | 8,799.00 | 3,919.00 | -8,229.00 | 10,516.00 | 7,059.00 | 3,441.00 |
| Income Tax | 1,608.00 | 2,364.00 | 2,066.00 | 7,108.00 | 1,630.00 | 1,080.00 | 495.00 | 587.00 | 1,375.00 | 918.00 | 535.00 | 4,429.00 | 2,480.00 | 1,557.00 | 669.00 | -1,816.00 | 1,778.00 | 1,194.00 | 579.00 |
| Net Income | 3,880.00 | 2,504.00 | -6,974.00 | -2,095.00 | 9,157.00 | 5,733.00 | 2,548.00 | -4,833.00 | 6,962.00 | 4,643.00 | 2,585.00 | -7,295.00 | 11,324.00 | 7,242.00 | 3,250.00 | -6,444.00 | 8,738.00 | 5,865.00 | 2,862.00 |
| EBIT | 41,265.00 | 11,807.00 | 1,126.00 | 17,997.00 | 40,386.00 | 25,883.00 | 12,531.00 | 70,531.00 | 31,448.00 | 19,397.00 | 9,034.00 | 38,877.00 | 16,369.00 | 9,897.00 | 4,289.00 | -9,264.00 | 11,820.00 | 7,980.00 | 3,928.00 |
| Deprecation and Amortization | 582.00 | 389.00 | 194.00 | -353.00 | 534.00 | 360.00 | 180.00 | -270.00 | 479.00 | 307.00 | 151.00 | -78.00 | 274.00 | 159.00 | 62.00 | -350.00 | 238.00 | 224.00 | 131.00 |
| EBITDA | 41,847.00 | 12,196.00 | 1,320.00 | 17,644.00 | 40,920.00 | 26,243.00 | 12,711.00 | 70,261.00 | 31,927.00 | 19,704.00 | 9,185.00 | 38,799.00 | 16,643.00 | 10,056.00 | 4,351.00 | -9,614.00 | 12,058.00 | 8,204.00 | 4,059.00 |
| 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 | 5,376.35 | 5,378.21 | 4,572.30 | 3,546.03 | 3,555.38 | 3,557.07 | 3,557.20 | 3,517.88 | 3,526.94 | 3,526.93 | 3,522.43 | 6,962.33 | 3,487.55 | 3,479.59 | 0 | 3,440.08 | 0 | 0 | 0 |
| Average Shares Outstanding Diluted | 5,376.35 | 5,378.21 | 4,572.30 | 3,546.03 | 3,555.38 | 3,557.07 | 3,557.20 | 3,517.88 | 3,526.94 | 3,526.93 | 3,522.43 | 6,962.33 | 3,487.55 | 3,479.59 | 0 | 10,333.48 | 0 | 0 | 3,426.84 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 16,576.00 | 8,366.00 | 5,800.00 | -5,372.00 | 12,447.00 | 4,933.00 | 6,754.00 | -4,037.00 | 12,887.00 | -2,189.00 | 214.00 | 6,523.00 | 4,626.00 | 2,488.00 | 177.00 | -4,963.00 | 9,797.00 | 5,506.00 | 3,881.00 |
| Operating Net Income | 3,880.00 | -1,704.00 | -6,974.00 | -2,095.00 | 9,157.00 | 5,733.00 | 2,548.00 | -4,833.00 | 6,962.00 | 4,643.00 | 2,585.00 | -7,295.00 | 11,324.00 | 7,242.00 | 3,250.00 | -6,444.00 | 8,738.00 | 5,865.00 | 2,862.00 |
| Deprecation and Amortization | 582.00 | 389.00 | 194.00 | -353.00 | 534.00 | 360.00 | 180.00 | -270.00 | 479.00 | 307.00 | 151.00 | -78.00 | 274.00 | 159.00 | 62.00 | 350.00 | -238.00 | -224.00 | -131.00 |
| Deferred Income Tax | 0 | 0 | 0 | 600.00 | 0 | 0 | 0 | -1,509.00 | 0 | 0 | 0 | -86.00 | 0 | 0 | 0 | -1,437.00 | 0 | 0 | 0 |
| Share Based Compensation | 917.00 | 613.00 | 323.00 | -585.00 | 644.00 | 551.00 | 302.00 | -647.00 | 903.00 | 640.00 | 317.00 | -341.00 | 746.00 | 417.00 | 195.00 | -220.00 | 617.00 | 306.00 | 147.00 |
| Change in Working Capital | 947.00 | -3,546.00 | -5,928.00 | -2,891.00 | 1,973.00 | 1,252.00 | -1,747.00 | -20,118.00 | 17,769.00 | 5,983.00 | 2,284.00 | -6,044.00 | 11,314.00 | 2,776.00 | -4,010.00 | -882.00 | 1,557.00 | 2,120.00 | 242.00 |
| Other Operating Activities | 10,250.00 | 12,614.00 | 18,185.00 | -48.00 | 139.00 | -2,963.00 | 5,471.00 | 23,340.00 | -13,226.00 | -13,762.00 | -5,123.00 | 20,367.00 | -19,032.00 | -8,106.00 | 680.00 | 3,670.00 | -877.00 | -2,561.00 | 761.00 |
| Investing Cash Flow | 9,659.00 | 32,529.00 | 30,226.00 | -18,136.00 | -11,032.00 | 20,119.00 | 25,795.00 | 190,197.00 | -105,725.00 | -139,652.00 | -75,104.00 | 75,378.00 | -211,191.00 | -144,767.00 | -50,756.00 | 61,957.00 | -136,443.00 | -65,777.00 | -50,716.00 |
| 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 | 1,219.00 | 839.00 | 574.00 | 7,336.00 | 746.00 | 515.00 | 94.00 | -540.00 | 1,127.00 | 516.00 | 7.00 | -361.00 | 493.00 | 408.00 | 331.00 | -830.00 | 597.00 | 404.00 | 349.00 |
| Net Purchase/Sale of Investments Net | 212,599.00 | 188,735.00 | 168,634.00 | 2,038.00 | 14,965.00 | 8,925.00 | 4,792.00 | -15,694.00 | 20,288.00 | 14,265.00 | 6,014.00 | -68,440.00 | 65,353.00 | 43,987.00 | 37,103.00 | 77,709.00 | 42,489.00 | 31,781.00 | 17,640.00 |
| 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 | 0 | -51,871.00 | -155,525.00 | -100,176.00 | 191,411.00 | ||||||||||||||
| Other Investing Activities | -204,159.00 | -157,045.00 | -138,982.00 | -27,510.00 | -26,743.00 | 10,679.00 | 20,909.00 | 146,413.00 | -77,815.00 | -115,631.00 | -57,363.00 | 101,025.00 | -179,223.00 | -120,799.00 | -55,688.00 | 64,185.00 | -138,013.00 | -79,780.00 | -107,334.00 |
| Financing Cash Flow | 48,735.00 | 161,948.00 | 35,761.00 | 60,894.00 | 41,423.00 | -39,750.00 | -43,269.00 | -263,667.00 | 167,982.00 | 153,842.00 | 136,711.00 | -50,853.00 | 178,432.00 | 110,348.00 | 82,421.00 | -93,107.00 | 115,134.00 | 84,814.00 | 54,065.00 |
| Net Issuance/Repayment of Debt | 101.00 | 172.00 | 0 | 0 | 244.00 | 302.00 | 347.00 | 125,000.00 | -175,000.00 | -150,000.00 | 45,000.00 | 12,754.00 | 104,327.00 | 57,918.00 | 29,327.00 | 0 | 0 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 53,501.00 | 53,501.00 | 53,501.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | 4,444.00 | 2,778.00 | 1,110.00 | -2,100.00 | 3,198.00 | 2,134.00 | 1,067.00 | -2,117.00 | 3,173.00 | 2,116.00 | 1,057.00 | -1,682.00 | 2,762.00 | 1,851.00 | 877.00 | -1,411.00 | 2,418.00 | 1,511.00 | 743.00 |
| Other Financing Activities | -9,311.00 | 105,497.00 | -18,850.00 | 63,887.00 | 37,981.00 | -42,186.00 | -44,683.00 | -386,550.00 | 339,809.00 | 301,726.00 | 90,654.00 | -61,925.00 | 71,343.00 | 50,579.00 | 52,217.00 | -91,696.00 | 112,716.00 | 83,303.00 | 53,322.00 |
| Net Change in Cash | 74,970.00 | 202,843.00 | 71,787.00 | 37,386.00 | 42,838.00 | -14,698.00 | -10,720.00 | -77,507.00 | 75,144.00 | 12,001.00 | 61,821.00 | 31,048.00 | -28,133.00 | -31,931.00 | 31,842.00 | -36,113.00 | -11,512.00 | 24,543.00 | 7,230.00 |
| Cash at Beginning of Period | 193,159.00 | 193,159.00 | 193,159.00 | 155,773.00 | 138,353.00 | 138,353.00 | 138,353.00 | 215,860.00 | 66,894.00 | 66,894.00 | 66,894.00 | 35,846.00 | 64,068.00 | 64,068.00 | 64,068.00 | 100,181.00 | 79,920.00 | 79,920.00 | 79,920.00 |
| Cash at End of Period | 268,129.00 | 396,002.00 | 264,946.00 | 193,159.00 | 181,191.00 | 123,655.00 | 127,633.00 | 138,353.00 | 142,038.00 | 78,895.00 | 128,715.00 | 66,894.00 | 35,935.00 | 32,137.00 | 95,910.00 | 64,068.00 | 68,408.00 | 104,463.00 | 87,150.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |