FBNC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 23.77 | 14.57 | 10.40 | 14.33 | 12.04 |
| Price to Sales | 25.72 | 45.95 | |||
| Book Value Per Common Share | 34.96 | 33.38 | 28.89 | 34.54 | 31.26 |
| Price to Book | 1.26 | 1.11 | 1.48 | 1.32 | 1.08 |
| Price to Operating Cash Flow | 10.32 | 11.48 | 6.59 | 9.83 | 17.09 |
| Price to Free Cash Flow | 10.48 | 11.88 | 6.75 | 10.55 | 21.82 |
| Enterprise Value to EBITDA | 58665.93 | 50506.77 | 67723.22 | 106037.62 | 70309.95 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 107.94 | 47.41 | 45.61 | 92.42 | 59.21 | 96.00 | 43.97 | 43.94 | |||||
| Price to Sales | 17.96 | ||||||||||||
| Book Value Per Common Share | 38.67 | 37.53 | 36.46 | 34.96 | 35.74 | 33.44 | 33.38 | 31.72 | 28.89 | 31.36 | 34.54 | 30.78 | 31.26 |
| Price to Book | 1.37 | 1.17 | 1.10 | 1.26 | 1.16 | 1.08 | 1.11 | 1.12 | 1.48 | 1.33 | 1.32 | 1.41 | 1.08 |
| Price to Operating Cash Flow | 31.39 | 44.35 | -73.43 | 39.37 | 14.78 | 40.14 | |||||||
| Price to Free Cash Flow | 31.54 | 44.86 | -67.88 | 39.74 | 14.96 | 47.08 | |||||||
| Enterprise Value to EBITDA | 310358.67 | 196471.61 | 181252.98 | 173710.77 | 285354.31 | 289537.95 | 282712.24 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -27.17 | -38.35 | 29.15 | 13.52 | |
| Revenue YoY | 113.69 | ||||
| EBITDA YoY | 2.87 | 33.38 | 47.02 | 11.72 | |
| Net Profit YoY | -26.81 | -29.13 | 53.63 | 17.39 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | -47.31 | 5.68 | 95.56 | -26.23 | 64.86 | -61.05 | -4.04 | ||||||
| Revenue YoY | |||||||||||||
| EBITDA YoY | -24.06 | 1.58 | 67.74 | -0.77 | 17.29 | ||||||||
| Net Profit YoY | -47.20 | 5.93 | 96.30 | -26.61 | 66.69 | -55.37 | 20.48 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 12.37 | 5.84 | 7.62 | 15.44 | 12.74 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 7.40 | 7.83 | 9.30 | 7.54 | 7.16 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 14.50 | 17.28 | 18.78 | 12.27 | 8.66 | 5.79 | 17.58 | 7.57 | 15.97 | 12.94 | 18.69 | 12.85 | |
| Quick Ratio | |||||||||||||
| Current Ratio | |||||||||||||
| Debt to Equity | 6.95 | 7.10 | 7.25 | 7.40 | 7.23 | 7.79 | 7.83 | 8.51 | 9.30 | 8.53 | 7.54 | 7.82 | 7.16 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.63 | 0.86 | 1.38 | 0.91 | 1.12 |
| ROE | 5.27 | 7.59 | 14.24 | 7.77 | 9.12 |
| Gross Margin | 76.54 | 45.72 | |||
| Operating Margin | 406.55 | 835.13 | |||
| EBITDA Margin | 441.92 | 918.00 | |||
| Net Profit Margin | 108.69 | 317.32 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.16 | 0.31 | 0.29 | 0.15 | 0.21 | 0.12 | 0.32 | 0.36 | |||||
| ROE | 1.27 | 2.48 | 2.41 | 1.26 | 1.84 | 1.17 | 3.04 | 3.22 | |||||
| Gross Margin | |||||||||||||
| Operating Margin | |||||||||||||
| EBITDA Margin | |||||||||||||
| Net Profit Margin | 19.55 |
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 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | ||||||||||||
| Dividend Payout Ratio | 48.85 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 12,147,694.00 | 12,114,942.00 | 10,625,049.00 | 10,508,901.00 | 7,289,751.00 |
| Deposits | 10,530,525.00 | 16,683,322.00 | 14,889,055.00 | 12,394,966.00 | 8,374,226.00 |
| Cash and Short-Term Investments | 507,507.00 | 237,855.00 | 270,318.00 | 461,162.00 | 367,290.00 |
| Cash and Cash Equivalents | 507,507.00 | 237,855.00 | 270,318.00 | 461,162.00 | 367,290.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 36,329.00 | 37,351.00 | 29,710.00 | 86,899.00 | 26,349.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 157,259.00 | 168,020.00 | 152,920.00 | 156,811.00 | 138,016.00 |
| Goodwill | 478,750.00 | 478,750.00 | 364,263.00 | 364,263.00 | 239,272.00 |
| Intangible Assets | 22,904.00 | 32,858.00 | 12,675.00 | 17,827.00 | 15,366.00 |
| 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 | 10,702,083.00 | 10,742,562.00 | 9,593,453.00 | 9,278,326.00 | 6,396,330.00 |
| 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 | 1,100.00 | 529,000.00 | 220,000.00 | 900.00 | 500.00 |
| 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 | 1,445,611.00 | 1,372,380.00 | 1,031,596.00 | 1,230,575.00 | 893,421.00 |
| Shareholders Equity | 1,445,611.00 | 1,372,380.00 | 1,031,596.00 | 1,230,575.00 | 893,421.00 |
| Capital Stock | 971,313.00 | 963,990.00 | 725,153.00 | 722,671.00 | 400,582.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 756,327.00 | 716,420.00 | 648,418.00 | 532,874.00 | 478,489.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -282,029.00 | -308,030.00 | -341,975.00 | -24,970.00 | 14,350.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 1,897,175.00 | 1,937,784.00 | 2,045,000.00 | 2,514,805.00 | 1,620,683.00 |
| Debt | 91,876.00 | 647,991.00 | 306,898.00 | 88,578.00 | 17,868.00 |
| Net Debt | 0 | 410,136.00 | 36,580.00 | 0 | 0 |
| Common Shares Outstanding | 41,347.42 | 41,109.99 | 35,704.15 | 35,629.18 | 28,579.33 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 70,123.00 | 32,816.00 | 0 | 0 | 0 |
| Cost Of Revenue | 16,448.00 | 17,813.00 | 12,400.00 | 15,031.00 | 35,039.00 |
| Interest Income | 519,240.00 | 488,759.00 | 340,957.00 | 255,918.00 | 237,684.00 |
| Interest Expense | 186,967.00 | 142,101.00 | 16,103.00 | 9,523.00 | 19,562.00 |
| Net Interest | 332,273.00 | 346,658.00 | 324,854.00 | 246,395.00 | 218,122.00 |
| Non-Interest Income | 17,899.00 | 57,490.00 | 67,985.00 | 73,611.00 | 81,346.00 |
| Non-Interest Expense | -235,607.00 | -254,379.00 | -195,220.00 | -184,656.00 | -161,298.00 |
| Provisions for Credit Losses | 16,448.00 | 17,813.00 | 12,400.00 | 15,031.00 | 35,039.00 |
| Gross Profit | 53,675.00 | 15,003.00 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 133,837.00 | 129,340.00 | 109,117.00 | 98,343.00 | 96,219.00 |
| EBT | 98,117.00 | 131,956.00 | 185,219.00 | 120,319.00 | 103,131.00 |
| Income Tax | 21,902.00 | 27,825.00 | 38,283.00 | 24,675.00 | 21,654.00 |
| Net Income | 76,215.00 | 104,131.00 | 146,936.00 | 95,644.00 | 81,477.00 |
| EBIT | 285,084.00 | 274,057.00 | 201,322.00 | 129,842.00 | 122,693.00 |
| Deprecation and Amortization | 24,807.00 | 27,194.00 | 24,534.00 | 23,776.00 | 14,813.00 |
| EBITDA | 309,891.00 | 301,251.00 | 225,856.00 | 153,618.00 | 137,506.00 |
| 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 | 41,021.47 | 40,746.77 | 35,485.62 | 29,876.15 | 28,839.87 |
| Average Shares Outstanding Diluted | 41,327.22 | 41,164.83 | 35,674.73 | 30,027.78 | 28,981.57 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 174,781.00 | 131,396.00 | 230,654.00 | 138,901.00 | 57,075.00 |
| Operating Net Income | 76,215.00 | 104,131.00 | 146,936.00 | 95,644.00 | 81,477.00 |
| Deprecation and Amortization | 24,807.00 | 27,194.00 | 24,534.00 | 23,776.00 | 14,813.00 |
| Deferred Income Tax | 0 | -782.00 | -1,810.00 | -4,800.00 | 0 |
| Share Based Compensation | 4,920.00 | 5,125.00 | 2,982.00 | 2,268.00 | 2,540.00 |
| Change in Working Capital | -4,676.00 | 12,161.00 | 1,660.00 | 12,916.00 | 3,940.00 |
| Other Operating Activities | 73,515.00 | -16,433.00 | 56,352.00 | 9,097.00 | -45,695.00 |
| Investing Cash Flow | 169,666.00 | -191,365.00 | -713,359.00 | -1,270,443.00 | -960,281.00 |
| Capital Expenditure | -2,657.00 | -4,421.00 | -5,287.00 | -9,402.00 | -12,363.00 |
| Net Purchase/Sale of PPE | -1,318.00 | -3,451.00 | -4,988.00 | -9,089.00 | -12,174.00 |
| Net Purchase/Sale of Investments Net | 139,987.00 | 270,718.00 | -141,041.00 | -1,361,144.00 | -714,611.00 |
| Net Purchase/Sale of Business | 0 | 22,610.00 | 0 | 220,306.00 | -9,559.00 |
| Net Loan & Lease Activity | 17,494.00 | -466,488.00 | -558,398.00 | -97,559.00 | -233,788.00 |
| Other Investing Activities | 16,160.00 | -10,333.00 | -3,645.00 | -13,555.00 | 22,214.00 |
| Financing Cash Flow | -74,795.00 | 27,506.00 | 291,861.00 | 1,225,414.00 | 1,039,194.00 |
| Net Issuance/Repayment of Debt | -529,049.00 | 303,009.00 | 219,867.00 | -5,729.00 | -250,035.00 |
| Net Issuance/Repurchase of Equity | 4,094.00 | 4,519.00 | 0 | 4,036.00 | 31,868.00 |
| Dividends Paid | 36,249.00 | 34,940.00 | 30,660.00 | 22,228.00 | 20,936.00 |
| Other Financing Activities | 413,911.00 | -314,962.00 | 41,334.00 | 1,204,879.00 | 1,236,425.00 |
| Net Change in Cash | 269,652.00 | -32,463.00 | -190,844.00 | 93,872.00 | 135,988.00 |
| Cash at Beginning of Period | 237,855.00 | 270,318.00 | 461,162.00 | 367,290.00 | 231,302.00 |
| Cash at End of Period | 507,507.00 | 237,855.00 | 270,318.00 | 461,162.00 | 367,290.00 |
| Free Cash Flow | 172,124.00 | 126,975.00 | 225,367.00 | 129,499.00 | 44,712.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 12,750,263.00 | 12,608,265.00 | 12,436,245.00 | 12,147,694.00 | 12,153,430.00 | 12,091,597.00 | 12,114,942.00 | 12,363,149.00 | 10,625,049.00 | 10,652,060.00 | 10,508,901.00 | 7,736,394.00 | 7,289,751.00 |
| Deposits | 10,881,170.00 | 10,830,380.00 | 10,744,659.00 | 10,530,525.00 | 0 | 10,303,311.00 | 16,683,322.00 | 10,372,598.00 | 14,889,055.00 | 12,757,719.00 | 12,394,966.00 | 9,022,432.00 | 8,374,226.00 |
| Cash and Short-Term Investments | 597,975.00 | 711,286.00 | 772,441.00 | 507,507.00 | 0 | 353,842.00 | 237,855.00 | 713,382.00 | 270,318.00 | 565,759.00 | 461,162.00 | 530,066.00 | 367,290.00 |
| Cash and Cash Equivalents | 597,975.00 | 711,286.00 | 772,441.00 | 507,507.00 | 744,441.00 | 353,842.00 | 237,855.00 | 713,382.00 | 270,318.00 | 565,759.00 | 461,162.00 | 530,066.00 | 367,290.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 1,907,458.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 35,986.00 | 36,681.00 | 35,452.00 | 36,329.00 | 32,890.00 | 35,147.00 | 37,351.00 | 34,673.00 | 29,710.00 | 28,358.00 | 86,899.00 | 9,142,064.00 | 26,349.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 155,141.00 | 155,661.00 | 155,354.00 | 157,259.00 | 144,868.00 | 167,097.00 | 168,020.00 | 171,688.00 | 152,920.00 | 155,862.00 | 156,811.00 | 140,170.00 | 138,016.00 |
| Goodwill | 478,750.00 | 478,750.00 | 478,750.00 | 478,750.00 | 478,750.00 | 478,750.00 | 478,750.00 | 478,750.00 | 364,263.00 | 364,263.00 | 364,263.00 | 239,272.00 | 239,272.00 |
| Intangible Assets | 18,526.00 | 19,920.00 | 21,388.00 | 22,904.00 | 24,466.00 | 30,886.00 | 32,858.00 | 39,262.00 | 12,675.00 | 16,928.00 | 17,827.00 | 14,606.00 | 15,366.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 2,429,259.00 | 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 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 11,146,940.00 | 11,052,085.00 | 10,928,069.00 | 10,702,083.00 | 10,675,905.00 | 10,715,498.00 | 10,742,562.00 | 11,063,188.00 | 9,593,453.00 | 9,534,570.00 | 9,278,326.00 | 6,859,541.00 | 6,396,330.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 5,566.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 5,566.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 1,100.00 | 0 | 0 | 529,000.00 | 0 | 220,000.00 | 0 | 900.00 | 0 | 500.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 14,370.00 | 0 | 0 | 0 | 0 | 0 | 0 | 17,354.00 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 1,603,323.00 | 1,556,180.00 | 1,508,176.00 | 1,445,611.00 | 1,477,525.00 | 1,376,099.00 | 1,372,380.00 | 1,299,961.00 | 1,031,596.00 | 1,117,490.00 | 1,230,575.00 | 876,853.00 | 893,421.00 |
| Shareholders Equity | 1,603,323.00 | 1,556,180.00 | 1,508,176.00 | 1,445,611.00 | 1,477,525.00 | 1,376,099.00 | 1,372,380.00 | 1,299,961.00 | 1,031,596.00 | 1,117,490.00 | 1,230,575.00 | 876,853.00 | 893,421.00 |
| Capital Stock | 973,235.00 | 973,041.00 | 971,174.00 | 971,313.00 | 970,450.00 | 965,429.00 | 963,990.00 | 959,422.00 | 725,153.00 | 723,441.00 | 722,671.00 | 397,094.00 | 400,582.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 823,483.00 | 812,657.00 | 783,630.00 | 756,327.00 | 761,881.00 | 732,643.00 | 716,420.00 | 654,573.00 | 648,418.00 | 559,004.00 | 532,874.00 | 483,944.00 | 478,489.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -193,395.00 | -229,518.00 | -246,628.00 | -282,029.00 | -254,806.00 | -321,973.00 | -308,030.00 | -314,034.00 | -341,975.00 | -164,955.00 | -24,970.00 | -4,185.00 | 14,350.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2,000,847.00 | 1,995,592.00 | 1,905,461.00 | 1,897,175.00 | 0 | 1,886,949.00 | 1,937,784.00 | 2,042,379.00 | 2,045,000.00 | 2,425,911.00 | 2,514,805.00 | 6,644,594.00 | 1,620,683.00 |
| Debt | 92,421.00 | 92,237.00 | 92,055.00 | 91,876.00 | 14,370.00 | 349,678.00 | 647,991.00 | 626,119.00 | 306,898.00 | 88,318.00 | 88,578.00 | 17,354.00 | 17,868.00 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 0 | 410,136.00 | 0 | 36,580.00 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 41,465.44 | 41,468.10 | 41,368.83 | 41,347.42 | 41,340.10 | 41,156.29 | 41,109.99 | 40,986.99 | 35,704.15 | 35,639.89 | 35,629.18 | 28,489.47 | 28,579.33 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|
| Revenues | 0 | 0 | 0 | 94,870.00 | 0 | 0 | 0 | 0 |
| Cost Of Revenue | 3,442.00 | 2,212.00 | 1,116.00 | 0 | 1,200.00 | 12,502.00 | 2,000.00 | 0 |
| Interest Income | 144,200.00 | 136,741.00 | 132,660.00 | 131,409.00 | 126,572.00 | 117,174.00 | 79,109.00 | 58,009.00 |
| Interest Expense | 41,711.00 | 40,065.00 | 39,777.00 | 48,366.00 | 47,340.00 | 24,688.00 | 2,231.00 | 2,771.00 |
| Net Interest | 102,489.00 | 96,676.00 | 92,883.00 | 0 | 79,232.00 | 92,486.00 | 76,878.00 | 55,238.00 |
| Non-Interest Income | -12,879.00 | 14,341.00 | 12,902.00 | 0 | 12,938.00 | 13,536.00 | 19,251.00 | 20,669.00 |
| Non-Interest Expense | -60,211.00 | -58,983.00 | -57,893.00 | 56,485.00 | -59,187.00 | -74,175.00 | -51,465.00 | -40,065.00 |
| Provisions for Credit Losses | 3,442.00 | 2,212.00 | 1,116.00 | 0 | 1,200.00 | 12,502.00 | 2,000.00 | 0 |
| Selling, General and Administrative Expenses | 36,210.00 | 34,200.00 | 33,853.00 | 39,278.00 | 31,305.00 | 33,009.00 | 26,838.00 | 23,035.00 |
| EBT | 25,957.00 | 49,822.00 | 46,776.00 | 22,572.00 | 31,783.00 | 19,345.00 | 42,664.00 | 35,842.00 |
| Income Tax | 5,594.00 | 11,256.00 | 10,370.00 | 3,892.00 | 6,511.00 | 4,184.00 | 8,695.00 | 7,648.00 |
| Net Income Including Non-Controlling Interests | 0 | 0 | 0 | 18,680.00 | 0 | 0 | 0 | 0 |
| Net Income | 20,363.00 | 38,566.00 | 36,406.00 | 18,546.00 | 25,272.00 | 15,161.00 | 33,969.00 | 28,194.00 |
| EBIT | 67,668.00 | 89,887.00 | 86,553.00 | 0 | 79,123.00 | 44,033.00 | 44,895.00 | 38,613.00 |
| Deprecation and Amortization | 2,994.00 | 3,168.00 | 5,058.00 | 4,256.00 | 6,454.00 | 6,986.00 | 6,519.00 | 5,221.00 |
| EBITDA | 70,662.00 | 93,055.00 | 91,611.00 | 0 | 85,577.00 | 51,019.00 | 51,414.00 | 43,834.00 |
| EPS | 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 |
| Average Shares Outstanding Basic | 41,237.87 | 41,168.26 | 41,130.78 | 40,971.52 | 40,843.86 | 40,583.42 | 35,433.74 | 28,357.81 |
| Average Shares Outstanding Diluted | 41,481.54 | 41,441.39 | 41,406.53 | 41,366.74 | 41,249.64 | 41,112.69 | 35,640.98 | 28,537.85 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 0 | 0 | 52,596.00 | 38,422.00 | -20,092.00 | 36,615.00 | 100,143.00 | 30,733.00 |
| Operating Net Income | 20,363.00 | 38,566.00 | 36,406.00 | 18,680.00 | 25,272.00 | 15,161.00 | 33,969.00 | 28,194.00 |
| Deprecation and Amortization | 2,994.00 | 3,168.00 | 5,058.00 | 4,256.00 | 6,454.00 | 6,986.00 | 6,519.00 | 5,221.00 |
| Deferred Income Tax | 0 | 0 | 0 | -4,456.00 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 1,020.00 | 1,365.00 | 662.00 | 1,118.00 | 547.00 | 397.00 |
| Change in Working Capital | 0 | 0 | 8,127.00 | 2,383.00 | -49,018.00 | 11,087.00 | 2,990.00 | -7,742.00 |
| Other Operating Activities | 0 | 0 | 1,985.00 | 16,194.00 | -3,462.00 | 2,263.00 | 56,118.00 | 4,663.00 |
| Investing Cash Flow | 0 | 0 | 8,583.00 | 87,907.00 | 171,104.00 | 32,378.00 | -249,025.00 | -318,053.00 |
| Capital Expenditure | 0.00 | 0.00 | -243.00 | 0 | -1,641.00 | -346.00 | -1,217.00 | -4,534.00 |
| Net Purchase/Sale of PPE | 0 | 0 | 99.00 | 306.00 | -1,631.00 | -331.00 | -1,118.00 | -4,316.00 |
| Net Purchase/Sale of Investments Net | 0 | 0 | 21,974.00 | 37,457.00 | 87,389.00 | 171,670.00 | -271,611.00 | -425,785.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 22,610.00 | 0 | 0 |
| Net Loan & Lease Activity | 17,494.00 | -466,488.00 | -558,398.00 | -97,559.00 | -233,788.00 | |||
| Other Investing Activities | 0 | 0 | 51.00 | 50,144.00 | 14,743.00 | -27,513.00 | -5,006.00 | 116,582.00 |
| Financing Cash Flow | 0 | 0 | 203,755.00 | 9,700.00 | -35,025.00 | 374,071.00 | 253,479.00 | 450,096.00 |
| Net Issuance/Repayment of Debt | 0 | 0 | -12.00 | -12.00 | -298,012.00 | 279,966.00 | -33.00 | -531.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 1,118.00 | 0 | 726.00 | 3,215.00 | 0 | 4,036.00 |
| Dividends Paid | 0 | 0 | 9,105.00 | -9,060.00 | 9,042.00 | 7,852.00 | 7,123.00 | 5,140.00 |
| Other Financing Activities | 0 | 0 | 193,544.00 | 18,772.00 | 253,219.00 | 83,038.00 | 246,389.00 | 441,451.00 |
| Net Change in Cash | 0 | 0 | 264,934.00 | 136,029.00 | 115,987.00 | 443,064.00 | 104,597.00 | 162,776.00 |
| Cash at Beginning of Period | 0 | 0 | 507,507.00 | 608,412.00 | 237,855.00 | 270,318.00 | 461,162.00 | 367,290.00 |
| Cash at End of Period | 597,975.00 | 711,286.00 | 772,441.00 | 744,441.00 | 353,842.00 | 713,382.00 | 565,759.00 | 530,066.00 |
| Free Cash Flow | 0 | 0 | 52,353.00 | 37,984.00 | -21,733.00 | 36,269.00 | 98,926.00 | 26,199.00 |