FCBC

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 14.82 13.90 12.02 11.33 10.68
Price to Sales 53.09 47.70 39.40 43.09 29.47
Book Value Per Common Share 85.58 81.01 77.05 67.20 72.13
Price to Book 0.49 0.46 0.44 0.50 0.30
Price to Operating Cash Flow 7.11 6.26 4.91 5.81 4.63
Price to Free Cash Flow
Enterprise Value to EBITDA 82129.54 86157.18 81110.96 74972.28 68257.76
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 17.58 29.90 58.89 20.55 26.50 49.47 14.51 23.78 34.32 15.62 23.72 49.49 13.67 18.77 36.13
Price to Sales 51.08 90.15 180.08 73.26 95.27 185.48 50.65 77.68 128.66 49.01 68.67 135.63 56.93 84.80 174.87
Book Value Per Common Share 55.33 54.42 53.66 85.58 56.47 55.03 54.42 81.01 52.16 51.82 52.34 77.05 49.50 49.96 50.16 67.20 49.91 49.18 48.28 72.13
Price to Book 0.63 0.72 0.70 0.49 0.76 0.67 0.64 0.46 0.56 0.57 0.48 0.44 0.65 0.59 0.56 0.50 0.64 0.61 0.62 0.30
Price to Operating Cash Flow 15.04 30.61 52.28 18.51 21.61 37.79 11.20 18.54 25.68 12.82 17.46 45.45 15.13 26.62 42.01
Price to Free Cash Flow
Enterprise Value to EBITDA 96576.23 162261.42 313380.42 114085.79 147558.54 280568.73 92713.23 157679.75 227047.51 103824.04 157663.56 331378.34 90871.48 126072.06 246563.03

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 5.24 -5.32 -4.41 46.04
Revenue YoY 2.83 -1.53 5.70 3.28
EBITDA YoY 16.58 17.49 -9.85 34.28
Net Profit YoY 7.46 2.91 -8.81 42.43
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 51.15 104.69 51.08 98.57 62.40 71.23 65.32 117.54 45.91 91.57
Revenue YoY 56.81 107.40 51.92 106.38 56.24 109.88 51.45 104.97 57.21 104.16
EBITDA YoY 49.30 100.55 51.67 100.70 65.83 99.57 63.10 115.47 45.19 91.81
Net Profit YoY 50.97 103.62 51.05 98.76 67.79 83.30 64.41 117.85 45.02 91.79

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 41.36 13.75 21.71 78.60 51.92
Quick Ratio
Current Ratio
Debt to Equity 2.60 2.75 3.22 3.23 3.03
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 23.36 21.58 22.63 41.42 17.17 17.92 13.47 13.38 6.36 8.81 5.69 22.11 13.79 23.79 27.19 80.73 36.37 35.20 35.58 52.09
Quick Ratio
Current Ratio
Debt to Equity 5.25 5.33 5.50 2.60 5.19 5.35 5.38 2.75 5.63 5.80 6.07 3.22 6.67 6.79 6.65 3.23 6.35 6.32 6.37 3.03
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 1.36 1.27 1.31 1.41 1.04
ROE 4.90 4.77 5.53 5.98 4.21
Gross Margin 75.01 33.87 53.76 -26.00 2.70
Operating Margin 593.42 510.96 435.85 518.76 396.17
EBITDA Margin 645.38 569.23 477.09 559.42 430.27
Net Profit Margin 358.56 343.10 328.31 380.54 275.95
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 1.14 0.76 0.37 1.20 0.79 0.40 1.10 0.64 0.39 1.08 0.64 0.29 1.29 0.89 0.47
ROE 7.11 4.79 2.38 7.41 5.02 2.53 7.31 4.33 2.73 8.27 4.96 2.24 9.50 6.55 3.43
Gross Margin 99.71 99.55 91.63 76.75 83.78 70.70 32.85 11.81 44.86 70.94 65.54 43.94 -56.76 -101.39 -32.00
Operating Margin 488.79 511.31 524.97 589.96 589.87 605.80 510.82 470.27 514.18 422.58 390.68 369.35 570.12 618.91 659.78
EBITDA Margin 528.94 555.57 574.56 639.53 640.62 658.72 572.53 539.44 567.30 462.30 429.29 408.38 612.48 663.19 705.87
Net Profit Margin 291.19 302.46 308.08 356.51 358.58 372.32 349.80 325.73 372.97 313.83 289.09 272.01 417.49 452.57 481.76

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 3,787,891.00 3,772,652.00 3,558,069.00 3,623,062.00 3,438,475.00
   Deposits 2,691,247.00 2,722,325.00 2,678,815.00 2,729,391.00 2,546,247.00
      Cash and Short-Term Investments 758,860.00 247,521.00 358,680.00 1,362,606.00 923,211.00
            Cash and Cash Equivalents 758,860.00 247,521.00 358,680.00 1,362,606.00 923,211.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 108,152.00 119,924.00 98,228.00 31,600.00 36,208.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 49,224.00 50,680.00 47,340.00 52,284.00 58,530.00
      Goodwill 143,946.00 143,946.00 129,565.00 129,565.00 129,565.00
      Intangible Assets 13,014.00 15,145.00 4,176.00 5,622.00 7,069.00
      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 2,735,107.00 2,766,064.00 2,714,099.00 2,767,512.00 2,585,015.00
      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 1,820.00 1,500.00 1,800.00 1,650.00 1,130.00
      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 1,052,784.00 1,006,588.00 843,970.00 855,550.00 853,460.00
   Shareholders Equity 1,568,005.00 1,498,931.00 1,250,236.00 1,134,160.00 1,278,267.00
      Capital Stock 18,322.00 18,502.00 16,225.00 16,878.00 17,723.00
      Share Premium 169,752.00 175,841.00 128,508.00 147,619.00 173,345.00
      Retained Earnings 349,489.00 319,902.00 292,971.00 264,824.00 237,585.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -11,171.00 -10,951.00 -15,719.00 -1,546.00 -1,923.00
   Minority Interest 0 0 0 0 0
Investments 1,584,409.00 2,551,117.00 2,720,454.00 696,547.00 750,222.00
Debt 1,820.00 1,500.00 1,800.00 1,650.00 1,130.00
Common Shares Outstanding 18,321.79 18,502.40 16,225.40 16,878.22 17,722.51
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 14,392.00 13,996.00 14,213.00 13,446.00 13,019.00
Cost Of Revenue 3,597.00 9,255.00 6,572.00 16,942.00 12,668.00
Interest Income 146,142.00 137,165.00 114,319.00 105,310.00 114,036.00
Interest Expense 19,674.00 9,481.00 1,656.00 2,836.00 5,464.00
Net Interest 126,468.00 127,684.00 112,663.00 102,474.00 108,572.00
Non-Interest Income 39,390.00 37,452.00 37,182.00 34,301.00 29,833.00
Non-Interest Expense 96,567.00 95,177.00 83,116.00 78,718.00 79,625.00
Provisions for Credit Losses 3,597.00 9,255.00 6,572.00 -16,942.00 12,668.00
Gross Profit 10,795.00 4,741.00 7,641.00 -3,496.00 351.00
   Selling, General and Administrative Expenses 10,365.00 9,834.00 8,530.00 8,513.00 8,218.00
EBT 65,731.00 62,033.00 60,292.00 66,916.00 46,113.00
Income Tax 14,132.00 13,901.00 13,242.00 14,929.00 9,810.00
Net Income 51,604.00 48,020.00 46,662.00 51,168.00 35,926.00
EBIT 85,405.00 71,514.00 61,948.00 69,752.00 51,577.00
Deprecation and Amortization 7,478.00 8,156.00 5,861.00 5,467.00 4,440.00
EBITDA 92,883.00 79,670.00 67,809.00 75,219.00 56,017.00
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 18,349.50 17,996.37 16,519.85 17,335.62 17,781.75
Average Shares Outstanding Diluted 18,430.21 18,027.15 16,562.26 17,402.94 17,815.38
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 107,525.00 106,573.00 114,128.00 99,636.00 82,817.00
   Operating Net Income 154,870.00 144,154.00 140,198.00 154,120.00 107,778.00
   Deprecation and Amortization 7,478.00 8,156.00 5,861.00 5,467.00 4,440.00
   Deferred Income Tax 1,847.00 1,346.00 1,964.00 5,251.00 -1,505.00
   Share Based Compensation 403.00 597.00 718.00 1,281.00 1,643.00
   Change in Working Capital 0 0 0 0 0
   Other Operating Activities -57,073.00 -47,680.00 -34,613.00 -66,483.00 -29,539.00
Investing Cash Flow 231,681.00 284,443.00 -544,344.00 26,736.00 4,514.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 3,936.00 4,597.00 2,702.00 5,654.00 6,056.00
   Net Purchase/Sale of Investments Net 441,733.00 266,935.00 315,021.00 62,000.00 56,940.00
   Net Purchase/Sale of Business 0 0 0 0 0
   Net Loan & Lease Activity -152,942.00 -64,538.00 236,620.00 -27,467.00 69,259.00
   Other Investing Activities -61,046.00 77,449.00 -1,098,687.00 -13,451.00 -127,741.00
Financing Cash Flow -88,901.00 -447,749.00 -67,117.00 92,145.00 138,312.00
   Net Issuance/Repayment of Debt 0 0 338.00 572.00 -677.00
   Net Issuance/Repurchase of Equity 1,410.00 91.00 172.00 538.00 0
   Dividends Paid 22,017.00 21,089.00 18,515.00 18,059.00 17,876.00
   Other Financing Activities -112,328.00 -468,929.00 -86,142.00 72,976.00 121,113.00
Net Change in Cash 250,305.00 -56,733.00 -497,333.00 220,878.00 239,552.00
   Cash at Beginning of Period 127,149.00 173,153.00 668,179.00 456,561.00 217,009.00
   Cash at End of Period 377,454.00 116,420.00 170,846.00 677,439.00 456,561.00
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 3,189,613.00 3,181,014.00 3,225,773.00 3,787,891.00 3,224,361.00 3,232,819.00 3,235,981.00 3,772,652.00 3,284,225.00 3,391,437.00 3,051,672.00 3,558,069.00 3,160,799.00 3,258,377.00 3,244,127.00 3,623,062.00 3,139,711.00 3,129,283.00 3,140,066.00 3,438,475.00
   Deposits 2,630,593.00 2,635,364.00 2,684,477.00 2,691,247.00 2,659,253.00 2,677,272.00 2,682,215.00 2,722,325.00 2,746,136.00 2,852,678.00 2,584,624.00 2,678,815.00 2,710,221.00 2,798,539.00 2,782,944.00 2,729,391.00 2,673,846.00 2,665,694.00 2,673,100.00 2,546,247.00
      Cash and Short-Term Investments 427,705.00 395,057.00 414,682.00 758,860.00 315,338.00 329,877.00 248,905.00 247,521.00 113,397.00 152,660.00 92,385.00 358,680.00 229,095.00 398,242.00 457,306.00 1,362,606.00 635,007.00 618,738.00 628,745.00 923,211.00
            Cash and Cash Equivalents 427,705.00 395,057.00 414,682.00 758,860.00 315,338.00 329,877.00 248,905.00 247,521.00 113,397.00 152,660.00 92,385.00 358,680.00 229,095.00 398,242.00 457,306.00 1,362,606.00 635,007.00 618,738.00 628,745.00 923,211.00
            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 36,484.00 35,148.00 105,369.00 108,152.00 109,768.00 109,706.00 113,798.00 119,924.00 113,774.00 113,094.00 96,162.00 98,228.00 92,156.00 93,230.00 90,362.00 31,600.00 92,338.00 97,634.00 34,896.00 36,208.00
      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 47,522.00 48,023.00 48,780.00 49,224.00 49,654.00 50,528.00 51,333.00 50,680.00 51,205.00 53,546.00 47,407.00 47,340.00 48,563.00 50,447.00 51,630.00 52,284.00 53,605.00 54,346.00 58,179.00 58,530.00
      Goodwill 143,946.00 143,946.00 143,946.00 143,946.00 143,946.00 143,946.00 143,946.00 143,946.00 143,946.00 143,946.00 129,565.00 129,565.00 129,565.00 129,565.00 129,565.00 129,565.00 129,565.00 129,565.00 129,565.00 129,565.00
      Intangible Assets 11,531.00 11,964.00 12,490.00 13,014.00 13,550.00 14,085.00 14,615.00 15,145.00 15,681.00 16,217.00 3,942.00 4,176.00 4,541.00 4,905.00 5,266.00 5,622.00 5,987.00 6,352.00 6,712.00 7,069.00
      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 2,678,888.00 2,678,185.00 2,729,356.00 2,735,107.00 2,703,667.00 2,723,935.00 2,729,037.00 2,766,064.00 2,788,558.00 2,892,717.00 2,619,941.00 2,714,099.00 2,748,541.00 2,840,331.00 2,819,971.00 2,767,512.00 2,712,347.00 2,701,749.00 2,714,067.00 2,585,015.00
      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 2,510.00 2,340.00 2,020.00 1,820.00 2,530.00 1,590.00 1,390.00 1,500.00 1,740.00 1,590.00 1,250.00 1,800.00 1,290.00 1,940.00 1,680.00 1,650.00 1,650.00 1,650.00 1,180.00 1,130.00
      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 510,725.00 502,829.00 496,417.00 1,052,784.00 520,694.00 508,884.00 506,944.00 1,006,588.00 495,667.00 498,720.00 431,731.00 843,970.00 412,258.00 418,046.00 424,156.00 855,550.00 427,364.00 427,534.00 425,999.00 853,460.00
   Shareholders Equity 1,013,396.00 996,511.00 983,329.00 1,568,005.00 1,032,979.00 1,005,354.00 1,001,989.00 1,498,931.00 973,890.00 982,979.00 850,237.00 1,250,236.00 805,491.00 824,432.00 841,800.00 1,134,160.00 852,075.00 852,503.00 849,343.00 1,278,267.00
      Capital Stock 18,315.00 18,311.00 18,327.00 18,322.00 18,291.00 18,270.00 18,413.00 18,502.00 18,671.00 18,969.00 16,243.00 16,225.00 16,273.00 16,502.00 16,782.00 16,878.00 17,071.00 17,335.00 17,592.00 17,723.00
      Share Premium 169,569.00 169,358.00 169,867.00 169,752.00 168,691.00 168,272.00 173,041.00 175,841.00 180,951.00 189,917.00 128,666.00 128,508.00 129,914.00 136,705.00 144,088.00 147,619.00 154,086.00 161,853.00 169,173.00 173,345.00
      Retained Earnings 330,895.00 324,307.00 317,728.00 349,489.00 342,121.00 334,756.00 327,389.00 319,902.00 313,489.00 304,295.00 300,047.00 292,971.00 285,096.00 276,499.00 269,798.00 264,824.00 258,860.00 250,911.00 241,889.00 237,585.00
      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 -8,054.00 -9,147.00 -9,505.00 -11,171.00 -8,409.00 -12,414.00 -11,899.00 -10,951.00 -17,444.00 -14,461.00 -13,225.00 -15,719.00 -19,025.00 -11,660.00 -6,512.00 -1,546.00 -2,653.00 -2,565.00 -2,655.00 -1,923.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 45,672.00 49,786.00 1,166,931.00 1,584,409.00 1,500,021.00 1,167,174.00 1,496,223.00 2,551,117.00 2,477,988.00 2,829,357.00 2,774,421.00 2,720,454.00 2,696,580.00 2,589,903.00 2,418,327.00 696,547.00 696,960.00 718,578.00 788,787.00 750,222.00
Debt 2,510.00 2,340.00 2,020.00 1,820.00 2,530.00 1,590.00 1,390.00 1,500.00 1,740.00 1,590.00 1,250.00 1,800.00 1,290.00 1,940.00 1,680.00 1,650.00 1,650.00 1,650.00 1,180.00 1,130.00
Common Shares Outstanding 18,314.90 18,311.23 18,326.66 18,321.79 18,290.94 18,270.27 18,413.09 18,502.40 18,671.47 18,969.28 16,243.55 16,225.40 16,273.18 16,502.14 16,781.97 16,878.22 17,071.05 17,334.55 17,592.01 17,722.51
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 12,476.00 7,956.00 3,836.00 -6,995.00 10,817.00 7,120.00 3,450.00 -6,152.00 10,359.00 6,630.00 3,159.00 -7,314.00 10,859.00 7,170.00 3,498.00 -5,501.00 9,728.00 6,188.00 3,031.00
Cost Of Revenue 36.00 36.00 321.00 -1,084.00 2,515.00 1,155.00 1,011.00 -5,290.00 6,956.00 5,847.00 1,742.00 -1,016.00 3,156.00 2,471.00 1,961.00 -14,771.00 15,250.00 12,462.00 4,001.00
Interest Income 106,256.00 70,557.00 35,169.00 -72,415.00 109,710.00 72,818.00 36,029.00 -59,245.00 101,163.00 65,058.00 30,189.00 -48,260.00 83,331.00 53,609.00 25,639.00 -55,008.00 79,478.00 53,689.00 27,151.00
Interest Expense 14,004.00 9,602.00 4,871.00 -8,578.00 14,575.00 9,277.00 4,400.00 378.00 5,542.00 2,784.00 777.00 -1,028.00 1,289.00 909.00 486.00 -1,862.00 2,236.00 1,593.00 869.00
Net Interest 92,252.00 60,955.00 30,298.00 -63,837.00 95,135.00 63,541.00 31,629.00 -59,623.00 95,621.00 62,274.00 29,412.00 -47,232.00 82,042.00 52,700.00 25,153.00 -53,146.00 77,242.00 52,096.00 26,282.00
Non-Interest Income 31,458.00 20,569.00 10,229.00 -17,523.00 29,053.00 18,601.00 9,259.00 -15,489.00 26,990.00 17,368.00 8,583.00 -18,058.00 27,998.00 18,048.00 9,194.00 -14,720.00 25,086.00 16,366.00 7,569.00
Non-Interest Expense 76,679.00 50,399.00 24,944.00 -47,562.00 72,460.00 48,283.00 23,386.00 -39,517.00 68,397.00 45,484.00 20,813.00 -40,497.00 62,386.00 41,241.00 19,986.00 -35,300.00 57,017.00 38,181.00 18,820.00
Provisions for Credit Losses 36.00 36.00 321.00 -1,084.00 2,515.00 1,155.00 1,011.00 -5,290.00 6,956.00 5,847.00 1,742.00 -1,016.00 3,156.00 2,471.00 1,961.00 14,771.00 -15,250.00 -12,462.00 -4,001.00
Gross Profit 12,440.00 7,920.00 3,515.00 -5,911.00 8,302.00 5,965.00 2,439.00 -862.00 3,403.00 783.00 1,417.00 -6,298.00 7,703.00 4,699.00 1,537.00 9,270.00 -5,522.00 -6,274.00 -970.00
   Selling, General and Administrative Expenses 8,547.00 5,807.00 3,003.00 -4,875.00 7,576.00 5,118.00 2,546.00 -3,797.00 6,952.00 4,541.00 2,138.00 -4,942.00 6,662.00 4,548.00 2,262.00 -3,761.00 6,101.00 4,097.00 2,076.00
EBT 46,978.00 31,078.00 15,267.00 -32,732.00 49,241.00 32,722.00 16,500.00 -29,202.00 47,374.00 28,395.00 15,466.00 -23,844.00 44,599.00 27,103.00 12,434.00 -42,143.00 53,225.00 36,705.00 19,129.00
Income Tax 10,662.00 7,022.00 3,445.00 -7,347.00 10,655.00 7,176.00 3,648.00 -7,538.00 11,045.00 6,731.00 3,663.00 -6,412.00 10,440.00 6,322.00 2,892.00 -10,453.00 12,384.00 8,548.00 4,450.00
Net Income 36,329.00 24,064.00 11,818.00 -25,336.00 38,564.00 25,531.00 12,845.00 -21,594.00 36,236.00 21,596.00 11,782.00 -17,660.00 34,079.00 20,728.00 9,515.00 -32,052.00 40,613.00 28,005.00 14,602.00
EBIT 60,982.00 40,680.00 20,138.00 -41,310.00 63,816.00 41,999.00 20,900.00 -28,824.00 52,916.00 31,179.00 16,243.00 -24,872.00 45,888.00 28,012.00 12,920.00 -44,005.00 55,461.00 38,298.00 19,998.00
Deprecation and Amortization 5,009.00 3,521.00 1,902.00 -3,323.00 5,362.00 3,613.00 1,826.00 -4,500.00 6,392.00 4,586.00 1,678.00 -2,585.00 4,313.00 2,768.00 1,365.00 -2,791.00 4,121.00 2,740.00 1,397.00
EBITDA 65,991.00 44,201.00 22,040.00 -44,633.00 69,178.00 45,612.00 22,726.00 -33,324.00 59,308.00 35,765.00 17,921.00 -27,457.00 50,201.00 30,780.00 14,285.00 -46,796.00 59,582.00 41,038.00 21,395.00
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 18,311.66 18,310.03 18,324.76 18,145.57 18,366.25 18,410.04 18,476.13 20,616.98 17,816.51 17,323.71 16,228.30 15,904.72 16,617.77 16,739.62 16,817.28 16,637.49 17,457.48 17,577.55 17,669.94
Average Shares Outstanding Diluted 18,417.07 18,427.50 18,451.32 18,267.78 18,432.02 18,475.11 18,545.91 20,598.14 17,857.49 17,363.48 16,289.49 15,956.97 16,654.70 16,772.85 16,864.51 16,739.33 17,511.90 17,631.33 17,729.19
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 42,379.00 23,432.00 13,211.00 16,388.00 42,821.00 31,384.00 16,932.00 16,136.00 46,833.00 27,777.00 15,827.00 33,962.00 41,528.00 28,200.00 10,438.00 30,719.00 36,593.00 19,709.00 12,615.00
   Operating Net Income 72,632.00 48,112.00 23,644.00 902.00 77,172.00 51,092.00 25,704.00 4,562.00 72,658.00 43,328.00 23,606.00 11,234.00 68,318.00 41,562.00 19,084.00 -13,234.00 81,682.00 56,314.00 29,358.00
   Deprecation and Amortization 5,009.00 3,521.00 1,902.00 -3,323.00 5,362.00 3,613.00 1,826.00 -4,500.00 6,392.00 4,586.00 1,678.00 -2,585.00 4,313.00 2,768.00 1,365.00 -2,791.00 4,121.00 2,740.00 1,397.00
   Deferred Income Tax 0 0 0 1,847.00 0 0 0 1,346.00 0 0 0 1,964.00 0 0 0 5,251.00 0 0 0
   Share Based Compensation 1,419.00 1,326.00 0 -484.00 403.00 403.00 81.00 -471.00 516.00 432.00 120.00 -343.00 536.00 353.00 172.00 -678.00 858.00 699.00 402.00
   Change in Working Capital -86.00 -420.00 99.00 0 -998.00 -897.00 -162.00 0 1,149.00 906.00 -633.00 0 445.00 533.00 200.00 0 -906.00 -572.00 -328.00
   Other Operating Activities -36,595.00 -29,107.00 -12,434.00 15,389.00 -39,118.00 -22,827.00 -10,517.00 16,621.00 -33,882.00 -21,475.00 -8,944.00 24,870.00 -32,084.00 -17,016.00 -10,383.00 40,365.00 -49,162.00 -39,472.00 -18,214.00
Investing Cash Flow 124,535.00 100,921.00 74,244.00 -422,107.00 243,446.00 246,235.00 164,107.00 -187,958.00 265,584.00 202,248.00 4,569.00 587,976.00 -499,110.00 -356,659.00 -276,551.00 -108,060.00 48,722.00 44,632.00 41,442.00
   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 1,798.00 1,364.00 1,121.00 -3,800.00 3,783.00 2,163.00 1,790.00 -2,442.00 4,080.00 1,943.00 1,016.00 -2,175.00 2,292.00 1,614.00 971.00 -4,305.00 5,032.00 3,877.00 1,050.00
   Net Purchase/Sale of Investments Net 162,713.00 140,722.00 120,277.00 -41,541.00 198,389.00 160,589.00 124,296.00 -96,559.00 184,361.00 119,421.00 59,712.00 -428,387.00 285,286.00 250,000.00 208,122.00 -23,257.00 39,557.00 27,108.00 18,592.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 176,684.00 0 0 0 0 0 0 0 0 0
   Net Loan & Lease Activity -152,942.00 -64,538.00 236,620.00 -27,467.00 69,259.00
   Other Investing Activities 42,753.00 20,579.00 -14,599.00 -498,202.00 166,980.00 180,920.00 89,256.00 82,243.00 120,718.00 -79,048.00 -46,464.00 1,191,064.00 -983,723.00 -741,668.00 -564,360.00 -179,524.00 45,318.00 52,970.00 67,785.00
Financing Cash Flow -116,663.00 -106,750.00 -50,227.00 111,164.00 -87,349.00 -64,162.00 -48,554.00 269,185.00 -369,866.00 -248,211.00 -98,857.00 -171,597.00 9,238.00 49,262.00 45,980.00 -216,949.00 93,131.00 97,836.00 118,127.00
   Net Issuance/Repayment of Debt 0 0 0 0 0 0 0 0 0 0 0 -2,135.00 422.00 1,099.00 952.00 -155.00 142.00 30.00 555.00
   Net Issuance/Repurchase of Equity 2,093.00 1,971.00 120.00 -19,521.00 9,667.00 8,291.00 2,973.00 -24,823.00 17,129.00 7,737.00 48.00 -35,731.00 19,575.00 12,138.00 4,190.00 -39,393.00 21,718.00 13,096.00 5,117.00
   Dividends Paid 54,923.00 49,246.00 43,579.00 -10,363.00 16,345.00 10,677.00 5,358.00 -9,607.00 15,718.00 10,272.00 4,706.00 -8,886.00 13,807.00 9,053.00 4,541.00 -8,646.00 13,468.00 8,809.00 4,428.00
   Other Financing Activities -173,679.00 -157,967.00 -93,926.00 141,048.00 -113,361.00 -83,130.00 -56,885.00 303,615.00 -402,713.00 -266,220.00 -103,611.00 -124,845.00 -24,566.00 26,972.00 36,297.00 -168,755.00 57,803.00 75,901.00 108,027.00
Net Change in Cash 50,251.00 17,603.00 37,228.00 -294,555.00 198,918.00 213,457.00 132,485.00 97,363.00 -57,449.00 -18,186.00 -78,461.00 450,341.00 -448,344.00 -279,197.00 -220,133.00 -291,929.00 178,446.00 162,177.00 172,184.00
   Cash at Beginning of Period 377,454.00 377,454.00 377,454.00 672,009.00 116,420.00 116,420.00 116,420.00 19,057.00 170,846.00 170,846.00 170,846.00 -279,495.00 677,439.00 677,439.00 677,439.00 969,368.00 456,561.00 456,561.00 456,561.00
   Cash at End of Period 427,705.00 395,057.00 414,682.00 377,454.00 315,338.00 329,877.00 248,905.00 116,420.00 113,397.00 152,660.00 92,385.00 170,846.00 229,095.00 398,242.00 457,306.00 677,439.00 635,007.00 618,738.00 628,745.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0