FCNCA
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 11.16 | 1.81 | 11.24 | 15.40 |
| Price to Sales | 117.92 | 76.92 | 72.26 | 4.43 |
| Book Value Per Common Share | 1549.87 | 1463.05 | 622.07 | 482.66 |
| Price to Book | 1.36 | 0.97 | 1.22 | 1.72 |
| Price to Operating Cash Flow | 10.14 | 7.75 | 4.22 | -28.68 |
| Price to Free Cash Flow | 20.86 | 16.73 | 6.32 | -20.83 |
| Enterprise Value to EBITDA | 33929.83 | 13018.58 | 49470.35 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 41.53 | 46.19 | 53.79 | 42.40 | 35.41 | 33.18 | 1.49 | 41.38 | 39.86 |
| Price to Sales | 9.46 | 11.25 | 381.36 | 10.84 | 317.80 | 316.82 | 282.72 | 284.76 | 300.08 |
| Book Value Per Common Share | 1742.34 | 1705.11 | 1642.33 | 1609.96 | 1547.15 | 1503.31 | 1322.81 | 625.83 | 669.87 |
| Price to Book | 1.03 | 1.15 | 1.13 | 1.14 | 1.09 | 1.09 | 0.74 | 1.27 | 0.99 |
| Price to Operating Cash Flow | 25.10 | 30.15 | 256.84 | 26.71 | 51.54 | -39.05 | 26.26 | ||
| Price to Free Cash Flow | 42.49 | 50.00 | -143.83 | 50.90 | 135.01 | -20.37 | 66.05 | ||
| Enterprise Value to EBITDA | 127385.39 | 104084.57 | 14198.99 | 194857.87 | 254898.27 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | -75.87 | 1063.69 | 25.22 | |
| Revenue YoY | -4.10 | 64.42 | -91.13 | |
| EBITDA YoY | -43.59 | 565.06 | ||
| Net Profit YoY | -75.78 | 944.26 | 107.56 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 1.70 | 22.89 | 675782.35 | -8.67 | -3.51 | -92.47 | 3295.02 | 15.39 | |
| Revenue YoY | 5.56 | 3387.88 | 3070.13 | 2.67 | 50.00 | 13.64 | 25.71 | ||
| EBITDA YoY | -70.28 | -77.07 | 1448.37 | 56.07 | |||||
| Net Profit YoY | -1.25 | 16.15 | -32.45 | -11.74 | -3.28 | -92.32 | 2921.59 | -38.60 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | 1564.44 | 2414.25 | 362.99 | |
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 9.06 | 9.06 | 10.31 | 11.31 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 1911.13 | 1829.78 | 2199.29 | 2767.66 | 429.29 | 627.92 | |||
| Quick Ratio | |||||||||
| Current Ratio | |||||||||
| Debt to Equity | 9.62 | 9.30 | 9.26 | 8.66 | 8.78 | 8.97 | 10.17 | 10.12 | 9.27 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 1.24 | 5.36 | 1.00 | 0.91 |
| ROE | 12.49 | 53.95 | 11.36 | 11.17 |
| Gross Margin | 14.79 | 17.16 | -15.95 | |
| Operating Margin | 3424.90 | 5887.31 | 1133.74 | |
| EBITDA Margin | 3475.49 | 5908.58 | 1460.74 | |
| Net Profit Margin | 1080.54 | 4278.36 | 673.62 | 28.78 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.24 | 0.24 | 0.21 | 0.28 | 0.32 | 0.34 | 4.43 | 0.29 | 0.47 |
| ROE | 2.52 | 2.52 | 2.17 | 2.73 | 3.14 | 3.35 | 49.53 | 3.20 | 4.85 |
| Gross Margin | 12.12 | 22.08 | 40.00 | -12.00 | -18.18 | -22.86 | |||
| Operating Margin | 2853.03 | 2971.43 | 3028.00 | 19664.00 | 1179.55 | 817.14 | |||
| EBITDA Margin | 2993.94 | 3044.00 | 19912.00 | 1461.36 | 1177.14 | ||||
| Net Profit Margin | 22.80 | 24.37 | 731.82 | 25.56 | 918.18 | 974.67 | 19036.00 | 715.91 | 1465.71 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | |||
| Dividend Payout Ratio | 7.94 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | ||||||
| Dividend Payout Ratio | 7.04 | 7.13 | 6.09 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 223,720,000.00 | 213,758,000.00 | 109,298,000.00 | 58,309,000.00 |
| Deposits | 155,229,000.00 | 145,854,000.00 | 89,408,000.00 | 0 |
| Cash and Short-Term Investments | 22,437,000.00 | 35,074,000.00 | 5,638,000.00 | 0 |
| Cash and Cash Equivalents | 22,336,000.00 | 34,990,000.00 | 5,543,000.00 | 9,453,000.00 |
| Short-Term Investments | 101,000.00 | 84,000.00 | 95,000.00 | 9,203,000.00 |
| Net Receivables | 85,000.00 | 76,000.00 | 60,000.00 | 1,204,000.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 2,322,000.00 | 3,626,000.00 | 2,995,000.00 | 1,297,000.00 |
| Goodwill | 346,000.00 | 346,000.00 | 346,000.00 | 346,000.00 |
| Intangible Assets | 249,000.00 | 312,000.00 | 140,000.00 | 42,000.00 |
| Long-Term Investments | 0 | 0 | 0 | 13,280,000.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 201,492,000.00 | 192,503,000.00 | 99,636,000.00 | 53,571,000.00 |
| Payables and Expenses | 0 | 0 | 0 | 13,000.00 |
| Account Payables | 0 | 0 | 0 | 8,000.00 |
| Current Accrued Liabilities | 0 | 0 | 0 | 5,000.00 |
| Short-Term Debt | 367,000.00 | 485,000.00 | 2,186,000.00 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 36,684,000.00 | 37,169,000.00 | 4,459,000.00 | 1,259,000.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 22,228,000.00 | 21,255,000.00 | 9,662,000.00 | 4,738,000.00 |
| Shareholders Equity | 22,228,000.00 | 21,255,000.00 | 9,662,000.00 | 4,738,000.00 |
| Capital Stock | 894,000.00 | 895,000.00 | 882,000.00 | 350,000.00 |
| Share Premium | 2,417,000.00 | 4,108,000.00 | 4,109,000.00 | 0 |
| Retained Earnings | 19,361,000.00 | 16,742,000.00 | 5,392,000.00 | 4,378,000.00 |
| Treasury Shares | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -445,000.00 | -491,000.00 | -735,000.00 | 10,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 |
| Investments | 259,000.00 | 557,000.00 | 95,000.00 | 0 |
| Debt | 37,051,000.00 | 37,654,000.00 | 6,645,000.00 | 1,259,000.00 |
| Net Debt | 14,614,000.00 | 2,580,000.00 | 1,007,000.00 | 852,253.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 9,816.41 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 257,000.00 | 268,000.00 | 163,000.00 | 1,838,000.00 |
| Cost Of Revenue | 219,000.00 | 222,000.00 | 189,000.00 | 0 |
| Interest Income | 12,353,000.00 | 10,391,000.00 | 3,413,000.00 | 1,451,000.00 |
| Interest Expense | 5,210,000.00 | 3,701,000.00 | 486,000.00 | 61,000.00 |
| Net Interest | 7,143,000.00 | 13,428,000.00 | 2,946,000.00 | 0 |
| Non-Interest Income | 2,615,000.00 | 12,075,000.00 | 2,136,000.00 | 0 |
| Non-Interest Expense | -11,470,000.00 | -10,670,000.00 | 3,075,000.00 | 1,133,000.00 |
| Provisions for Credit Losses | 0 | 0 | 551,000.00 | 0 |
| Gross Profit | 38,000.00 | 46,000.00 | -26,000.00 | 0 |
| Selling, General and Administrative Expenses | 439,000.00 | 419,000.00 | 304,000.00 | 783,000.00 |
| EBT | 3,592,000.00 | 12,077,000.00 | 1,362,000.00 | 701,000.00 |
| Income Tax | 1,608,000.00 | 1,208,000.00 | 572,000.00 | 154,000.00 |
| Net Income Including Non-Controlling Interests | 0 | 0 | 0 | 547,000.00 |
| Net Income | 2,777,000.00 | 11,466,000.00 | 1,098,000.00 | 529,000.00 |
| EBIT | 8,802,000.00 | 15,778,000.00 | 1,848,000.00 | 0 |
| Deprecation and Amortization | 130,000.00 | 57,000.00 | 533,000.00 | 143,000.00 |
| EBITDA | 8,932,000.00 | 15,835,000.00 | 2,381,000.00 | 0 |
| EPS | 0.19 | 0.79 | 0.07 | 0.05 |
| Diluted EPS | 0.19 | 0.78 | 0.07 | 0.05 |
| Average Shares Outstanding Basic | 14,341.87 | 14,527.90 | 15,531.92 | 9,816.41 |
| Average Shares Outstanding Diluted | 14,342.66 | 14,539.61 | 15,549.94 | 9,816.41 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 2,988,000.00 | 2,660,000.00 | 2,791,000.00 | -284,000.00 |
| Operating Net Income | 2,777,000.00 | 11,466,000.00 | 1,098,000.00 | 547,000.00 |
| Deprecation and Amortization | 130,000.00 | -57,000.00 | 533,000.00 | 143,000.00 |
| Deferred Income Tax | 6,000.00 | -165,000.00 | 206,000.00 | -8,000.00 |
| Share Based Compensation | 0 | 5,000.00 | 19,000.00 | 0 |
| Change in Working Capital | -1,607,000.00 | -913,000.00 | 245,000.00 | -728,000.00 |
| Other Operating Activities | 1,682,000.00 | -7,676,000.00 | 690,000.00 | -238,000.00 |
| Investing Cash Flow | -10,155,000.00 | 2,429,000.00 | 75,000.00 | -7,568,000.00 |
| Capital Expenditure | -1,535,000.00 | -1,428,000.00 | -926,000.00 | 0 |
| Net Purchase/Sale of PPE | -1,535,000.00 | -1,428,000.00 | -913,000.00 | -106,000.00 |
| Net Purchase/Sale of Investments Net | -14,246,000.00 | -9,720,000.00 | -617,000.00 | -3,117,000.00 |
| Net Purchase/Sale of Business | 0 | 810,000.00 | 134,000.00 | 0 |
| Net Loan & Lease Activity | -7,484,000.00 | 6,057,000.00 | -5,344,000.00 | 0 |
| Other Investing Activities | 14,645,000.00 | 8,138,000.00 | 7,741,000.00 | -4,345,000.00 |
| Financing Cash Flow | 7,073,000.00 | -4,699,000.00 | -2,686,000.00 | 7,828,000.00 |
| Net Issuance/Repayment of Debt | -568,000.00 | -4,840,000.00 | 352,000.00 | -106,000.00 |
| Net Issuance/Repurchase of Equity | 1,648,000.00 | 0 | 1,240,000.00 | 0 |
| Dividends Paid | 158,000.00 | 117,000.00 | 83,000.00 | -42,000.00 |
| Other Financing Activities | 5,835,000.00 | 24,000.00 | -4,361,000.00 | 7,976,000.00 |
| Net Change in Cash | -94,000.00 | 390,000.00 | 180,000.00 | -24,000.00 |
| Cash at Beginning of Period | 908,000.00 | 518,000.00 | 338,000.00 | 362,000.00 |
| Cash at End of Period | 814,000.00 | 908,000.00 | 518,000.00 | 338,000.00 |
| Free Cash Flow | 1,453,000.00 | 1,232,000.00 | 1,865,000.00 | -391,000.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 233,488,000.00 | 229,653,000.00 | 228,822,000.00 | 223,720,000.00 | 220,567,000.00 | 219,827,000.00 | 217,836,000.00 | 213,758,000.00 | 214,658,000.00 | 109,298,000.00 | 109,310,000.00 | 108,597,000.00 |
| Deposits | 0 | 0 | 159,325,000.00 | 155,229,000.00 | 0 | 151,079,000.00 | 149,609,000.00 | 145,854,000.00 | 140,050,000.00 | 89,408,000.00 | 87,553,000.00 | 91,597,000.00 |
| Cash and Short-Term Investments | 0 | 0 | 25,944,000.00 | 22,437,000.00 | 0 | 26,595,000.00 | 31,963,000.00 | 35,074,000.00 | 40,205,000.00 | 5,638,000.00 | 6,745,000.00 | 9,908,000.00 |
| Cash and Cash Equivalents | 25,672,000.00 | 27,073,000.00 | 25,849,000.00 | 22,336,000.00 | 26,502,000.00 | 26,517,000.00 | 31,884,000.00 | 34,990,000.00 | 40,120,000.00 | 5,543,000.00 | 6,653,000.00 | 9,808,000.00 |
| Short-Term Investments | 13,228,000.00 | 10,310,000.00 | 95,000.00 | 101,000.00 | 28,190,000.00 | 78,000.00 | 79,000.00 | 84,000.00 | 85,000.00 | 95,000.00 | 92,000.00 | 100,000.00 |
| Net Receivables | 6,478,000.00 | 6,186,000.00 | 185,000.00 | 85,000.00 | 3,399,000.00 | 92,000.00 | 86,000.00 | 76,000.00 | 94,000.00 | 60,000.00 | 21,000.00 | 83,000.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 12,034,000.00 | 11,899,000.00 | 2,344,000.00 | 2,322,000.00 | 11,491,000.00 | 2,282,000.00 | 355,000.00 | 3,626,000.00 | 337,000.00 | 2,995,000.00 | 366,000.00 | 384,000.00 |
| Goodwill | 346,000.00 | 346,000.00 | 346,000.00 | 346,000.00 | 346,000.00 | 346,000.00 | 346,000.00 | 346,000.00 | 346,000.00 | 346,000.00 | 346,000.00 | 346,000.00 |
| Intangible Assets | 238,000.00 | 250,000.00 | 234,000.00 | 249,000.00 | 292,000.00 | 280,000.00 | 295,000.00 | 312,000.00 | 364,000.00 | 140,000.00 | 145,000.00 | 156,000.00 |
| Long-Term Investments | 45,284,000.00 | 43,486,000.00 | 0 | 0 | 41,007,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 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 |
| Liabilities | 211,502,000.00 | 207,357,000.00 | 206,527,000.00 | 201,492,000.00 | 197,739,000.00 | 197,340,000.00 | 195,988,000.00 | 192,503,000.00 | 195,442,000.00 | 99,636,000.00 | 99,477,000.00 | 98,027,000.00 |
| Payables and Expenses | 105,000.00 | 120,000.00 | 0 | 0 | 414,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 105,000.00 | 120,000.00 | 0 | 0 | 149,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 265,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 450,000.00 | 367,000.00 | 0 | 386,000.00 | 395,000.00 | 485,000.00 | 1,009,000.00 | 2,186,000.00 | 3,128,000.00 | 616,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 38,593,000.00 | 37,997,000.00 | 37,956,000.00 | 36,684,000.00 | 37,143,000.00 | 37,072,000.00 | 37,145,000.00 | 37,169,000.00 | 45,085,000.00 | 4,459,000.00 | 5,215,000.00 | 2,676,000.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 21,986,000.00 | 22,296,000.00 | 22,295,000.00 | 22,228,000.00 | 22,828,000.00 | 22,487,000.00 | 21,848,000.00 | 21,255,000.00 | 19,216,000.00 | 9,662,000.00 | 9,833,000.00 | 10,570,000.00 |
| Shareholders Equity | 21,986,000.00 | 22,296,000.00 | 22,295,000.00 | 22,228,000.00 | 22,828,000.00 | 22,487,000.00 | 21,848,000.00 | 21,255,000.00 | 19,216,000.00 | 9,662,000.00 | 9,833,000.00 | 10,570,000.00 |
| Capital Stock | 894,000.00 | 894,000.00 | 882,000.00 | 894,000.00 | 895,000.00 | 882,000.00 | 895,000.00 | 895,000.00 | 882,000.00 | 882,000.00 | 882,000.00 | 882,000.00 |
| Share Premium | 270,000.00 | 1,179,000.00 | 1,798,000.00 | 2,417,000.00 | 3,389,000.00 | 4,099,000.00 | 4,099,000.00 | 4,108,000.00 | 4,104,000.00 | 4,109,000.00 | 4,506,000.00 | 5,344,000.00 |
| Retained Earnings | 20,866,000.00 | 20,337,000.00 | 19,802,000.00 | 19,361,000.00 | 18,703,000.00 | 18,102,000.00 | 17,435,000.00 | 16,742,000.00 | 14,885,000.00 | 5,392,000.00 | 5,160,000.00 | 4,634,000.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -44,000.00 | -114,000.00 | -199,000.00 | -445,000.00 | -159,000.00 | -610,000.00 | -582,000.00 | -491,000.00 | -669,000.00 | -735,000.00 | -729,000.00 | -305,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 440,000.00 | 259,000.00 | 0 | 470,000.00 | 473,000.00 | 557,000.00 | 85,000.00 | 95,000.00 | 92,000.00 | 100,000.00 |
| Debt | 38,593,000.00 | 37,997,000.00 | 38,406,000.00 | 37,051,000.00 | 37,143,000.00 | 37,458,000.00 | 37,540,000.00 | 37,654,000.00 | 46,094,000.00 | 6,645,000.00 | 8,343,000.00 | 1,953,000.00 |
| Net Debt | 12,513,000.00 | 10,505,000.00 | 12,462,000.00 | 14,614,000.00 | 10,260,000.00 | 10,863,000.00 | 5,577,000.00 | 2,580,000.00 | 5,889,000.00 | 1,007,000.00 | 1,598,000.00 | 0 |
| Common Shares Outstanding | 12,618.63 | 13,075.98 | 0 | 0 | 14,179.21 | 0 | 0 | 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 | 2023-03-31 | 2022-09-30 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 2,430,000.00 | 2,302,000.00 | 66,000.00 | -2,336,000.00 | 2,441,000.00 | 77,000.00 | 75,000.00 | 50,000.00 | 44,000.00 | 35,000.00 |
| Cost Of Revenue | 0 | 0 | 58,000.00 | 114,000.00 | 0 | 60,000.00 | 45,000.00 | 56,000.00 | 52,000.00 | 43,000.00 |
| Interest Income | 2,998,000.00 | 2,945,000.00 | 2,895,000.00 | 3,001,000.00 | 3,138,000.00 | 3,130,000.00 | 3,084,000.00 | 1,211,000.00 | 906,000.00 | 716,000.00 |
| Interest Expense | 1,264,000.00 | 1,250,000.00 | 1,232,000.00 | 1,292,000.00 | 1,342,000.00 | 1,309,000.00 | 1,267,000.00 | 361,000.00 | 111,000.00 | 61,000.00 |
| Net Interest | 0 | 0 | 1,663,000.00 | 3,505,000.00 | 0 | 1,821,000.00 | 1,817,000.00 | 850,000.00 | 795,000.00 | 649,000.00 |
| Non-Interest Income | 0 | 0 | 635,000.00 | 1,349,000.00 | 0 | 639,000.00 | 627,000.00 | 10,259,000.00 | 433,000.00 | 850,000.00 |
| Non-Interest Expense | 1,352,000.00 | 1,286,000.00 | -2,986,000.00 | -7,242,000.00 | 1,296,000.00 | -2,772,000.00 | -2,752,000.00 | 855,000.00 | 760,000.00 | 810,000.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 533,000.00 | 50,000.00 | 401,000.00 |
| Gross Profit | 0 | 0 | 8,000.00 | -9,000.00 | 0 | 17,000.00 | 30,000.00 | -6,000.00 | -8,000.00 | -8,000.00 |
| Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 760,000.00 | 810,000.00 |
| Selling, General and Administrative Expenses | 955,000.00 | 935,000.00 | 115,000.00 | -660,000.00 | 898,000.00 | 100,000.00 | 101,000.00 | 77,000.00 | 75,000.00 | 49,000.00 |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 685,000.00 | 761,000.00 |
| Operating Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -768,000.00 | -818,000.00 |
| EBT | 751,000.00 | 758,000.00 | 651,000.00 | 736,000.00 | 873,000.00 | 979,000.00 | 1,004,000.00 | 9,471,000.00 | 408,000.00 | 225,000.00 |
| Income Tax | 183,000.00 | 183,000.00 | 168,000.00 | 829,000.00 | 234,000.00 | 272,000.00 | 273,000.00 | 94,000.00 | 93,000.00 | 92,000.00 |
| Net Income Including Non-Controlling Interests | 568,000.00 | 575,000.00 | 0 | 0 | 639,000.00 | 0 | 0 | 0 | 0 | 0 |
| Net Income | 554,000.00 | 561,000.00 | 483,000.00 | 715,000.00 | 624,000.00 | 707,000.00 | 731,000.00 | 9,518,000.00 | 315,000.00 | 513,000.00 |
| EBIT | 0 | 0 | 1,883,000.00 | 4,243,000.00 | 0 | 2,288,000.00 | 2,271,000.00 | 9,832,000.00 | 519,000.00 | 286,000.00 |
| Deprecation and Amortization | 91,000.00 | 100,000.00 | 93,000.00 | 76,000.00 | 42,000.00 | 0.00 | 12,000.00 | 124,000.00 | 124,000.00 | 126,000.00 |
| EBITDA | 0 | 0 | 1,976,000.00 | 6,649,000.00 | 0 | 0 | 2,283,000.00 | 9,956,000.00 | 643,000.00 | 412,000.00 |
| EPS | 0.04 | 0.04 | 0.03 | 0.00 | 0.04 | 0.05 | 0.05 | 0.65 | 0.02 | 0.02 |
| Diluted EPS | 0.04 | 0.04 | 0.03 | 0.00 | 0.04 | 0.05 | 0.05 | 0.65 | 0.02 | 0.02 |
| Average Shares Outstanding Basic | 12,849.34 | 13,237.23 | 13,575.23 | 13,923.71 | 14,375.97 | 14,534.50 | 14,533.30 | 14,526.69 | 15,711.98 | 15,779.15 |
| Average Shares Outstanding Diluted | 12,849.34 | 13,237.23 | 13,575.23 | 13,923.70 | 14,375.97 | 14,534.50 | 14,536.44 | 14,539.71 | 15,727.99 | 15,779.15 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-03-31 | 2022-09-30 | 2022-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 916,000.00 | 859,000.00 | 98,000.00 | 1,536,000.00 | 991,000.00 | 0.00 | 461,000.00 | -362,000.00 | 0.00 | 400,000.00 |
| Operating Net Income | 568,000.00 | 575,000.00 | 483,000.00 | 1,431,000.00 | 639,000.00 | -24,000.00 | 731,000.00 | 9,518,000.00 | 44,000.00 | 271,000.00 |
| Deprecation and Amortization | 91,000.00 | 100,000.00 | 93,000.00 | 100,000.00 | 42,000.00 | 0.00 | -12,000.00 | 124,000.00 | -124,000.00 | 126,000.00 |
| Deferred Income Tax | -30,000.00 | -34,000.00 | -40,000.00 | -51,000.00 | 56,000.00 | 0.00 | 1,000.00 | -69,000.00 | 0.00 | -61,000.00 |
| Share Based Compensation | 0 | 0 | 0 | 0 | 0 | 0.00 | 0 | 1,000.00 | 0.00 | 12,000.00 |
| Change in Working Capital | 100,000.00 | 55,000.00 | -883,000.00 | -1,124,000.00 | 78,000.00 | 0.00 | -561,000.00 | -915,000.00 | 0.00 | 248,000.00 |
| Other Operating Activities | 0 | 0 | 445,000.00 | 1,204,000.00 | 176,000.00 | 0.00 | 302,000.00 | -9,021,000.00 | 0.00 | -196,000.00 |
| Investing Cash Flow | -3,801,000.00 | -562,000.00 | -4,877,000.00 | -5,563,000.00 | -301,000.00 | 0.00 | -4,291,000.00 | 2,628,000.00 | 0.00 | 2,382,000.00 |
| Capital Expenditure | 0 | 0 | -273,000.00 | -1,250,000.00 | 0 | 0.00 | -285,000.00 | -332,000.00 | 0.00 | -241,000.00 |
| Net Purchase/Sale of PPE | -304,000.00 | -280,000.00 | -273,000.00 | -825,000.00 | -425,000.00 | 0.00 | -285,000.00 | -332,000.00 | 0.00 | -222,000.00 |
| Net Purchase/Sale of Investments Net | -1,591,000.00 | 1,165,000.00 | 43,000.00 | -9,166,000.00 | -114,000.00 | 0.00 | -4,966,000.00 | 361,000.00 | 0.00 | -211,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0.00 | 0 | 1,347,000.00 | 0.00 | 134,000.00 |
| Net Loan & Lease Activity | -7,484,000.00 | 6,057,000.00 | -5,344,000.00 | 0 | ||||||
| Other Investing Activities | 0 | 0 | -3,006,000.00 | 11,016,000.00 | 238,000.00 | 0.00 | 3,391,000.00 | 524,000.00 | 0.00 | 3,217,000.00 |
| Financing Cash Flow | 2,870,000.00 | -220,000.00 | 4,777,000.00 | 4,045,000.00 | -592,000.00 | 0.00 | 3,620,000.00 | -1,186,000.00 | 0.00 | -2,597,000.00 |
| Net Issuance/Repayment of Debt | 594,000.00 | -351,000.00 | 1,324,000.00 | -131,000.00 | -316,000.00 | 0.00 | -121,000.00 | 4,292,000.00 | 0.00 | -3,003,000.00 |
| Net Issuance/Repurchase of Equity | -896,000.00 | -613,000.00 | 618,000.00 | 2,348,000.00 | -700,000.00 | 0.00 | 0 | 0 | 0.00 | 0 |
| Dividends Paid | -39,000.00 | -40,000.00 | 42,000.00 | 157,000.00 | -38,000.00 | 0.00 | 39,000.00 | 26,000.00 | 0.00 | 14,000.00 |
| Other Financing Activities | 3,211,000.00 | 784,000.00 | 2,793,000.00 | 1,671,000.00 | 462,000.00 | 0.00 | 3,702,000.00 | -5,504,000.00 | 0.00 | 392,000.00 |
| Net Change in Cash | -15,000.00 | 77,000.00 | -2,000.00 | 18,000.00 | 98,000.00 | 0.00 | -210,000.00 | 1,080,000.00 | 0.00 | 185,000.00 |
| Cash at Beginning of Period | 889,000.00 | 812,000.00 | 814,000.00 | 796,000.00 | 764,000.00 | 0 | 908,000.00 | 518,000.00 | 0 | 338,000.00 |
| Cash at End of Period | 874,000.00 | 889,000.00 | 812,000.00 | 814,000.00 | 862,000.00 | 764,000.00 | 698,000.00 | 1,598,000.00 | 481,000.00 | 523,000.00 |
| Free Cash Flow | 541,000.00 | 518,000.00 | -175,000.00 | 757,000.00 | 520,000.00 | 0.00 | 176,000.00 | -694,000.00 | 0.00 | 159,000.00 |