Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 14.70 8.96 15.12 9.28
Price to Sales 3.41
Book Value Per Common Share 16.32 16.40 15.42 15.01 18.54
Price to Book 1.23 0.86 1.59 1.09
Price to Operating Cash Flow 8.58 4.76 4.82 6.09
Price to Free Cash Flow
Enterprise Value to EBITDA 22109.90 18605.38 43916.09 25631.31
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2023-03-31 2022-09-30 2022-06-30 2022-03-31 2021-09-30 2021-06-30 2021-03-31
Price to Earnings 16.50 24.37 47.37 14.51 23.54 46.67 8.75 10.84 39.51 20.09 33.12 67.11 12.07 18.38 41.24
Price to Sales 4.56 6.62 12.37 961.59
Book Value Per Common Share 17.55 17.48 16.92 16.57 15.76 16.00 15.59 16.10 16.02 14.94 15.46 15.76 14.99 15.00 14.50
Price to Book 1.29 1.21 1.15 0.94 1.00 0.96 0.71 0.70 1.11 1.53 1.41 1.49 1.09 1.15 1.17
Price to Operating Cash Flow 49.70 25.15 28.77 7.85 12.59 10.20 6.43 25.70 -138.37 5.36 7.69 18.05 15.76 9.39 8.78
Price to Free Cash Flow
Enterprise Value to EBITDA 52224.17 76155.01 145546.87 38028.71 59926.65 120033.54 29108.51 43711.39 167195.16 121809.58 207249.92 433233.09 78396.21 119163.53 255798.64

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -13.29 -2.47 -7.95 -7.37
Revenue YoY
EBITDA YoY 17.92 39.83 -14.20 180.79
Net Profit YoY -13.60 -0.33 -9.91 18.22
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2023-03-31 2022-09-30 2022-06-30 2022-03-31 2021-09-30 2021-06-30 2021-03-31
Earning YoY 57.47 112.20 59.70 103.03 21.15 131.11 72.73 88.57 43.62 129.27
Revenue YoY 54.14 102.22 -74.47
EBITDA YoY 54.73 106.81 27.54 53.73 103.09 365.36 48.74 142.91 -49.38 78.51 94.81 -75.38 42.80 118.90
Net Profit YoY 56.86 110.55 55.75 103.65 23.78 129.48 72.28 88.72 42.96 131.76

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 14.23 12.84 13.23 112.41 81.12
Quick Ratio
Current Ratio
Debt to Equity 0.54 0.53 0.47 0.43 0.48
Long-Term Debt to Equity
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2023-03-31 2022-09-30 2022-06-30 2022-03-31 2021-09-30 2021-06-30 2021-03-31
Cash Per Common Share 12.94 10.06 12.18 13.19 13.22 16.41 16.71 36.26 20.95 27.77 74.44 105.13 110.79 101.09 87.33
Quick Ratio
Current Ratio
Debt to Equity 0.56 0.57 0.56 0.58 0.60 0.54 0.58 0.67 0.57 0.45 0.44 0.44 0.46 0.47 0.48
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.24 0.28 0.30 0.29 0.26
ROE 0.37 0.43 0.44 0.41 0.38
Gross Margin
Operating Margin 151.60
EBITDA Margin 154.29
Net Profit Margin 24.29
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2023-03-31 2022-09-30 2022-06-30 2022-03-31 2021-09-30 2021-06-30 2021-03-31
ROA 0.23 0.15 0.07 0.20 0.13 0.06 0.23 0.18 0.08 0.21 0.11 0.06 0.23 0.16 0.07
ROE 0.36 0.23 0.11 0.31 0.20 0.10 0.37 0.30 0.13 0.31 0.16 0.08 0.33 0.24 0.10
Gross Margin
Operating Margin 84.00 84.04 82.27 15844.44
EBITDA Margin 87.24 86.91 84.98 16066.67
Net Profit Margin 28.45 27.95 26.85 4344.44

Dividends

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Dividend Yield
Dividend Payout Ratio
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2023-03-31 2022-09-30 2022-06-30 2022-03-31 2021-09-30 2021-06-30 2021-03-31
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Assets 318,517,000.00 315,230,000.00 302,746,000.00 349,477,000.00 328,197,000.00
   Deposits 65,581,000.00 65,780,000.00 63,489,000.00 74,895,000.00 69,982,000.00
      Cash and Short-Term Investments 7,689,000.00 7,043,000.00 7,079,000.00 61,416,000.00 35,052,000.00
            Cash and Cash Equivalents 7,689,000.00 7,043,000.00 7,079,000.00 61,416,000.00 35,052,000.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 0 0 0 0 285,502,000.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 870,000.00 896,000.00 943,000.00 1,010,000.00 1,126,000.00
      Goodwill 1,510,000.00 1,510,000.00 1,511,000.00 3,100,000.00 3,100,000.00
      Intangible Assets 143,000.00 186,000.00 234,000.00 298,000.00 354,000.00
      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 111,591,000.00 108,831,000.00 96,903,000.00 105,900,000.00 106,519,000.00
      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 7,350,000.00 5,607,000.00 5,347,000.00 4,674,000.00 4,749,000.00
      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 206,926,000.00 206,399,000.00 205,843,000.00 243,577,000.00 221,678,000.00
   Shareholders Equity 8,816,000.00 8,996,000.00 8,252,000.00 8,199,000.00 8,012,000.00
      Capital Stock 1,180,000.00 1,389,000.00 2,364,000.00 1,373,000.00 1,287,000.00
      Share Premium 4,808,000.00 5,351,000.00 4,840,000.00 4,743,000.00 5,074,000.00
      Retained Earnings 7,482,000.00 7,264,000.00 6,130,000.00 5,091,000.00 4,061,000.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -1,128,000.00 -1,188,000.00 -1,368,000.00 -288,000.00 -140,000.00
   Minority Interest 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00
Investments 18,652,000.00 19,339,000.00 19,138,000.00 17,518,000.00 284,386,000.00
Debt 12,796,000.00 11,028,000.00 13,512,000.00 13,120,000.00 14,341,000.00
Net Debt 5,107,000.00 3,985,000.00 6,433,000.00 0 0
Common Shares Outstanding 0 0 0 0 0
Preferred Shares Outstanding 16.75 26.75 31.69 26.75 26.25
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 3,190,000.00 0 0 0 0
Cost Of Revenue 0 260,000.00 380,000.00 1,240,000.00 503,000.00
Interest Income 8,820,000.00 4,249,000.00 2,779,000.00 2,175,000.00 1,905,000.00
Interest Expense 1,841,000.00 1,560,000.00 291,000.00 164,000.00 236,000.00
Net Interest 2,511,000.00 2,540,000.00 2,392,000.00 1,994,000.00 1,662,000.00
Non-Interest Income 679,000.00 927,000.00 815,000.00 1,076,000.00 1,492,000.00
Non-Interest Expense 2,035,000.00 2,079,000.00 1,953,000.00 2,096,000.00 1,718,000.00
Provisions for Credit Losses 0 260,000.00 380,000.00 -1,240,000.00 503,000.00
   Selling, General and Administrative Expenses 608,000.00 316,000.00 302,000.00 291,000.00 221,000.00
EBT 2,995,000.00 2,567,000.00 2,632,000.00 3,192,000.00 933,000.00
Income Tax 354,000.00 429,000.00 470,000.00 513,000.00 132,000.00
Net Income Including Non-Controlling Interests 756,000.00 878,000.00 888,000.00 988,000.00 833,000.00
Net Income Non-Controlling Interests 19,000.00 19,000.00 12,000.00 11,000.00 12,000.00
Net Income 775,000.00 897,000.00 900,000.00 999,000.00 845,000.00
EBIT 4,836,000.00 4,127,000.00 2,923,000.00 3,356,000.00 1,169,000.00
Deprecation and Amortization 86,000.00 47,000.00 62,000.00 123,000.00 70,000.00
EBITDA 4,922,000.00 4,174,000.00 2,985,000.00 3,479,000.00 1,239,000.00
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 540,317.00 548,410.00 535,033.00 546,354.00 432,125.00
Average Shares Outstanding Diluted 544,285.00 561,732.00 566,004.00 551,241.00 433,954.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 1,268,000.00 1,631,000.00 2,719,000.00 1,466,000.00 339,000.00
   Operating Net Income 2,268,000.00 2,630,000.00 2,782,000.00 3,028,000.00 2,557,000.00
   Deprecation and Amortization 86,000.00 47,000.00 62,000.00 123,000.00 70,000.00
   Deferred Income Tax -2,000.00 52,000.00 98,000.00 8,000.00 -13,000.00
   Share Based Compensation 59,000.00 36,000.00 151,000.00 43,000.00 32,000.00
   Change in Working Capital -1,011,000.00 -1,163,000.00 -2,120,000.00 -1,824,000.00 0
   Other Operating Activities -132,000.00 29,000.00 1,746,000.00 88,000.00 -2,307,000.00
Investing Cash Flow -1,065,000.00 -2,595,000.00 8,355,000.00 -4,616,000.00 -4,871,000.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 52,000.00 1,000.00 18,000.00 42,000.00 12,000.00
   Net Purchase/Sale of Investments Net 3,578,000.00 1,186,000.00 4,818,000.00 7,296,000.00 9,454,000.00
   Net Purchase/Sale of Business 0 11,000.00 22,000.00 0 -2,071,000.00
   Net Loan & Lease Activity 1,337,000.00 3,303,000.00 3,224,000.00 -3,509,000.00 819,000.00
   Other Investing Activities -6,032,000.00 -7,096,000.00 273,000.00 -8,445,000.00 -13,085,000.00
Financing Cash Flow -1,482,000.00 672,000.00 -10,708,000.00 3,187,000.00 5,371,000.00
   Net Issuance/Repayment of Debt 851,000.00 43,000.00 382,000.00 153,000.00 2,585,000.00
   Net Issuance/Repurchase of Equity 1,470,000.00 30,000.00 1,085,000.00 1,378,000.00 310,000.00
   Dividends Paid 741,000.00 751,000.00 723,000.00 743,000.00 490,000.00
   Other Financing Activities -4,544,000.00 -152,000.00 -12,898,000.00 913,000.00 1,986,000.00
Net Change in Cash -211,000.00 -292,000.00 366,000.00 37,000.00 839,000.00
   Cash at Beginning of Period 1,748,000.00 2,023,000.00 1,177,000.00 1,751,000.00 809,000.00
   Cash at End of Period 1,537,000.00 1,731,000.00 1,543,000.00 1,788,000.00 1,648,000.00
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 314,206,000.00 309,612,000.00 306,896,000.00 318,517,000.00 311,204,000.00 308,366,000.00 306,943,000.00 315,230,000.00 307,570,000.00 320,806,000.00 304,555,000.00 302,746,000.00 301,075,000.00 323,521,000.00 337,946,000.00 349,477,000.00 336,224,000.00 333,502,000.00 332,485,000.00 328,197,000.00
   Deposits 65,525,000.00 65,577,000.00 64,208,000.00 65,581,000.00 66,575,000.00 64,794,000.00 65,741,000.00 65,780,000.00 67,015,000.00 65,433,000.00 61,440,000.00 63,489,000.00 66,015,000.00 70,550,000.00 74,114,000.00 74,895,000.00 74,264,000.00 73,280,000.00 73,166,000.00 69,982,000.00
      Cash and Short-Term Investments 6,598,000.00 5,159,000.00 6,299,000.00 7,689,000.00 7,180,000.00 7,264,000.00 9,106,000.00 7,043,000.00 9,106,000.00 19,511,000.00 11,248,000.00 7,079,000.00 14,847,000.00 39,745,000.00 56,057,000.00 61,416,000.00 60,874,000.00 55,729,000.00 48,229,000.00 35,052,000.00
            Cash and Cash Equivalents 6,598,000.00 5,159,000.00 6,299,000.00 7,689,000.00 7,180,000.00 7,264,000.00 9,106,000.00 7,043,000.00 9,106,000.00 19,511,000.00 11,248,000.00 7,079,000.00 14,847,000.00 39,745,000.00 56,057,000.00 61,416,000.00 60,874,000.00 55,729,000.00 48,229,000.00 35,052,000.00
            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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 752,597,100.00 285,502,000.00
      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 553,000.00 561,000.00 569,000.00 870,000.00 572,000.00 584,000.00 586,000.00 896,000.00 590,000.00 595,000.00 603,000.00 943,000.00 622,000.00 636,000.00 669,000.00 1,010,000.00 692,000.00 714,000.00 719,000.00 1,126,000.00
      Goodwill 1,510,000.00 1,510,000.00 1,510,000.00 1,510,000.00 1,510,000.00 1,510,000.00 1,510,000.00 1,510,000.00 1,511,000.00 1,511,000.00 1,511,000.00 1,511,000.00 1,511,000.00 1,511,000.00 1,511,000.00 3,100,000.00 1,511,000.00 1,511,000.00 3,100,000.00 3,100,000.00
      Intangible Assets 114,000.00 123,000.00 133,000.00 143,000.00 154,000.00 165,000.00 175,000.00 186,000.00 198,000.00 210,000.00 222,000.00 234,000.00 246,000.00 272,000.00 285,000.00 298,000.00 311,000.00 325,000.00 339,000.00 354,000.00
      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 113,175,000.00 112,365,000.00 110,751,000.00 111,591,000.00 114,026,000.00 116,054,000.00 107,478,000.00 108,831,000.00 112,893,000.00 128,999,000.00 110,459,000.00 96,903,000.00 93,827,000.00 99,373,000.00 102,874,000.00 105,900,000.00 105,331,000.00 106,806,000.00 107,948,000.00 106,519,000.00
      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 4,271,000.00 3,461,000.00 3,795,000.00 7,350,000.00 2,585,000.00 4,515,000.00 2,703,000.00 5,607,000.00 2,507,000.00 6,946,000.00 6,484,000.00 5,347,000.00 1,416,000.00 1,953,000.00 1,719,000.00 4,674,000.00 2,225,000.00 2,246,000.00 2,203,000.00 4,749,000.00
      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 201,031,000.00 197,247,000.00 196,145,000.00 206,926,000.00 197,178,000.00 192,312,000.00 199,465,000.00 206,399,000.00 194,677,000.00 191,807,000.00 194,096,000.00 205,843,000.00 207,248,000.00 224,148,000.00 235,072,000.00 243,577,000.00 230,893,000.00 226,696,000.00 224,537,000.00 221,678,000.00
   Shareholders Equity 8,949,000.00 8,962,000.00 8,749,000.00 8,816,000.00 9,021,000.00 8,660,000.00 8,878,000.00 8,996,000.00 8,498,000.00 8,665,000.00 8,600,000.00 8,252,000.00 7,988,000.00 8,256,000.00 8,401,000.00 8,199,000.00 8,237,000.00 8,270,000.00 8,012,000.00 8,012,000.00
      Capital Stock 1,011,000.00 1,170,000.00 1,169,000.00 1,180,000.00 1,185,000.00 1,188,000.00 1,383,000.00 1,389,000.00 1,389,000.00 1,389,000.00 2,858,000.00 2,364,000.00 2,363,000.00 2,363,000.00 2,362,000.00 1,373,000.00 1,379,000.00 1,384,000.00 1,285,000.00 1,287,000.00
      Share Premium 4,288,000.00 4,459,000.00 4,472,000.00 4,808,000.00 4,947,000.00 5,007,000.00 5,214,000.00 5,351,000.00 5,337,000.00 5,325,000.00 4,863,000.00 4,840,000.00 4,812,000.00 4,791,000.00 4,769,000.00 4,743,000.00 4,866,000.00 4,997,000.00 5,036,000.00 5,074,000.00
      Retained Earnings 4,848,000.00 4,671,000.00 4,517,000.00 7,482,000.00 4,304,000.00 4,172,000.00 4,072,000.00 7,264,000.00 3,874,000.00 3,830,000.00 3,595,000.00 6,130,000.00 3,254,000.00 3,079,000.00 2,996,000.00 5,091,000.00 2,753,000.00 2,612,000.00 2,402,000.00 4,061,000.00
      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 -849,000.00 -912,000.00 -983,000.00 -1,128,000.00 -989,000.00 -1,281,000.00 -1,271,000.00 -1,188,000.00 -1,582,000.00 -1,359,000.00 -1,208,000.00 -1,368,000.00 -1,427,000.00 -963,000.00 -712,000.00 -288,000.00 -241,000.00 -203,000.00 -241,000.00 -140,000.00
   Minority Interest 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00 295,000.00
Investments 23,845,000.00 18,811,000.00 18,405,000.00 18,652,000.00 20,256,000.00 17,676,000.00 15,741,000.00 19,339,000.00 16,210,000.00 15,063,000.00 15,743,000.00 19,138,000.00 18,265,000.00 14,851,000.00 18,667,000.00 17,518,000.00 12,586,000.00 8,882,000.00 444,924,000.00 284,386,000.00
Debt 8,823,000.00 8,005,000.00 9,709,000.00 12,796,000.00 6,519,000.00 8,357,000.00 6,528,000.00 11,028,000.00 6,253,000.00 10,660,000.00 12,110,000.00 13,512,000.00 7,095,000.00 7,633,000.00 7,513,000.00 13,120,000.00 8,149,000.00 8,279,000.00 8,207,000.00 14,341,000.00
Net Debt 2,225,000.00 2,846,000.00 3,410,000.00 5,107,000.00 0 1,093,000.00 0 3,985,000.00 0 0 862,000.00 6,433,000.00 0 0 0 0 0 0 0 0
Common Shares Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 552,374.49 0
Preferred Shares Outstanding 8.75 16.75 16.75 16.75 16.75 16.75 26.75 26.75 26.75 26.75 31.69 31.69 31.69 31.69 31.69 26.75 26.75 26.75 26.25 26.25
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 2,531,000.00 1,642,000.00 812,000.00 3,181,000.00 0 9,000.00 0 0 0 0 0 0 0 0 0 0 0 0 0
Cost Of Revenue 0 0 0 0 0 0 50,000.00 -100,000.00 210,000.00 100,000.00 50,000.00 150,000.00 50,000.00 20,000.00 160,000.00 -559,000.00 980,000.00 640,000.00 179,000.00
Interest Income 6,332,000.00 4,158,000.00 2,049,000.00 2,115,000.00 3,375,000.00 2,225,000.00 1,105,000.00 -1,811,000.00 3,121,000.00 1,998,000.00 941,000.00 -772,000.00 1,909,000.00 1,125,000.00 517,000.00 -1,115,000.00 1,637,000.00 1,099,000.00 554,000.00
Interest Expense 1,189,000.00 786,000.00 383,000.00 -922,000.00 1,403,000.00 912,000.00 448,000.00 -379,000.00 1,091,000.00 616,000.00 232,000.00 43,000.00 144,000.00 73,000.00 31,000.00 -100,000.00 130,000.00 90,000.00 44,000.00
Net Interest 1,946,000.00 1,272,000.00 631,000.00 -1,248,000.00 1,881,000.00 1,253,000.00 625,000.00 -1,389,000.00 1,923,000.00 1,318,000.00 688,000.00 -791,000.00 1,683,000.00 1,021,000.00 479,000.00 -1,014,000.00 1,496,000.00 1,004,000.00 508,000.00
Non-Interest Income 585,000.00 370,000.00 181,000.00 -477,000.00 581,000.00 381,000.00 194,000.00 -560,000.00 745,000.00 571,000.00 171,000.00 -486,000.00 642,000.00 430,000.00 229,000.00 -634,000.00 829,000.00 583,000.00 298,000.00
Non-Interest Expense 1,529,000.00 978,000.00 487,000.00 -1,022,000.00 1,527,000.00 1,015,000.00 515,000.00 -940,000.00 1,508,000.00 1,033,000.00 478,000.00 -972,000.00 1,450,000.00 982,000.00 493,000.00 -1,057,000.00 1,567,000.00 1,042,000.00 544,000.00
Provisions for Credit Losses 0 0 0 0 0 0 50,000.00 -100,000.00 210,000.00 100,000.00 50,000.00 510,000.00 50,000.00 -20,000.00 -160,000.00 559,000.00 -980,000.00 -640,000.00 -179,000.00
   Selling, General and Administrative Expenses 474,000.00 310,000.00 152,000.00 170,000.00 225,000.00 145,000.00 68,000.00 -145,000.00 231,000.00 154,000.00 76,000.00 -141,000.00 223,000.00 147,000.00 73,000.00 -58,000.00 190,000.00 106,000.00 53,000.00
EBT 937,000.00 594,000.00 285,000.00 1,432,000.00 795,000.00 514,000.00 254,000.00 530,000.00 950,000.00 756,000.00 331,000.00 1,073,000.00 825,000.00 479,000.00 255,000.00 1,177,000.00 1,003,000.00 705,000.00 307,000.00
Income Tax 399,000.00 246,000.00 122,000.00 -299,000.00 328,000.00 216,000.00 109,000.00 -483,000.00 432,000.00 333,000.00 147,000.00 24,000.00 181,000.00 208,000.00 57,000.00 -395,000.00 448,000.00 321,000.00 139,000.00
Net Income Including Non-Controlling Interests 708,000.00 451,000.00 214,000.00 -406,000.00 594,000.00 381,000.00 187,000.00 -635,000.00 699,000.00 567,000.00 247,000.00 -292,000.00 626,000.00 362,000.00 192,000.00 -539,000.00 763,000.00 534,000.00 230,000.00
Net Income Non-Controlling Interests 12,000.00 8,000.00 4,000.00 -11,000.00 15,000.00 10,000.00 5,000.00 -8,000.00 14,000.00 9,000.00 4,000.00 -5,000.00 8,000.00 6,000.00 3,000.00 -7,000.00 9,000.00 6,000.00 3,000.00
Net Income 720,000.00 459,000.00 218,000.00 -417,000.00 609,000.00 391,000.00 192,000.00 -643,000.00 713,000.00 576,000.00 251,000.00 -297,000.00 634,000.00 368,000.00 195,000.00 -546,000.00 772,000.00 540,000.00 233,000.00
EBIT 2,126,000.00 1,380,000.00 668,000.00 510,000.00 2,198,000.00 1,426,000.00 702,000.00 151,000.00 2,041,000.00 1,372,000.00 563,000.00 1,116,000.00 969,000.00 552,000.00 286,000.00 1,077,000.00 1,133,000.00 795,000.00 351,000.00
Deprecation and Amortization 82,000.00 47,000.00 22,000.00 31,000.00 25,000.00 20,000.00 10,000.00 2,000.00 22,000.00 15,000.00 8,000.00 12,000.00 36,000.00 11,000.00 3,000.00 97,000.00 8,000.00 4,000.00 14,000.00
EBITDA 2,208,000.00 1,427,000.00 690,000.00 541,000.00 2,223,000.00 1,446,000.00 712,000.00 153,000.00 2,063,000.00 1,387,000.00 571,000.00 1,128,000.00 1,005,000.00 563,000.00 289,000.00 1,174,000.00 1,141,000.00 799,000.00 365,000.00
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 509,990.00 512,596.00 517,116.00 512,456.00 544,356.00 549,479.00 554,977.00 573,715.00 544,952.00 538,035.00 536,938.00 538,386.00 534,613.00 533,915.00 533,218.00 532,465.00 549,434.00 551,268.00 552,249.00
Average Shares Outstanding Diluted 515,919.00 518,701.00 523,423.00 519,099.00 547,629.00 552,539.00 557,873.00 550,819.00 561,930.00 562,188.00 571,991.00 590,835.00 563,538.00 559,834.00 549,809.00 536,087.00 554,199.00 557,146.00 557,532.00
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 2023-09-30 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 232,000.00 432,000.00 349,000.00 -1,335,000.00 1,077,000.00 688,000.00 838,000.00 530,000.00 934,000.00 236,000.00 -69,000.00 -1,779,000.00 2,286,000.00 1,518,000.00 694,000.00 -1,181,000.00 568,000.00 1,015,000.00 1,064,000.00
   Operating Net Income 1,398,000.00 890,000.00 644,000.00 -193,000.00 1,158,000.00 742,000.00 561,000.00 -589,000.00 1,366,000.00 1,114,000.00 739,000.00 194,000.00 1,258,000.00 738,000.00 592,000.00 -298,000.00 1,548,000.00 1,076,000.00 702,000.00
   Deprecation and Amortization 82,000.00 47,000.00 22,000.00 31,000.00 25,000.00 20,000.00 10,000.00 2,000.00 22,000.00 15,000.00 8,000.00 12,000.00 36,000.00 11,000.00 3,000.00 149,000.00 -8,000.00 -4,000.00 -14,000.00
   Deferred Income Tax 56,000.00 20,000.00 2,000.00 102,000.00 -21,000.00 -26,000.00 -57,000.00 22,000.00 23,000.00 1,000.00 6,000.00 -264,000.00 167,000.00 157,000.00 38,000.00 16,000.00 -28,000.00 23,000.00 -3,000.00
   Share Based Compensation 48,000.00 33,000.00 18,000.00 -34,000.00 44,000.00 31,000.00 18,000.00 -15,000.00 21,000.00 8,000.00 22,000.00 52,000.00 53,000.00 32,000.00 14,000.00 -19,000.00 31,000.00 21,000.00 10,000.00
   Change in Working Capital -53,000.00 -723,000.00 -239,000.00 375,000.00 -258,000.00 -781,000.00 -347,000.00 1,797,000.00 -1,032,000.00 -1,194,000.00 -734,000.00 1,605,000.00 -1,873,000.00 -1,479,000.00 -373,000.00 -4,900,000.00 1,179,000.00 1,108,000.00 789,000.00
   Other Operating Activities -1,299,000.00 165,000.00 -98,000.00 -1,616,000.00 129,000.00 702,000.00 653,000.00 -687,000.00 534,000.00 292,000.00 -110,000.00 -3,378,000.00 2,645,000.00 2,059,000.00 420,000.00 3,871,000.00 -2,154,000.00 -1,209,000.00 -420,000.00
Investing Cash Flow -99,000.00 -83,000.00 693,000.00 1,897,000.00 -802,000.00 -1,284,000.00 -876,000.00 9,366,000.00 -3,833,000.00 -6,106,000.00 -2,022,000.00 -1,674,000.00 7,155,000.00 2,720,000.00 154,000.00 7,875,000.00 -4,473,000.00 -3,946,000.00 -4,072,000.00
   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 29,000.00 18,000.00 9,000.00 17,000.00 35,000.00 0 0 0.00 1,000.00 0 0 -18,000.00 17,000.00 15,000.00 4,000.00 15,000.00 22,000.00 4,000.00 1,000.00
   Net Purchase/Sale of Investments Net 1,360,000.00 927,000.00 464,000.00 2,006,000.00 921,000.00 438,000.00 213,000.00 -910,000.00 930,000.00 693,000.00 473,000.00 -4,019,000.00 4,284,000.00 2,644,000.00 1,909,000.00 -1,617,000.00 4,390,000.00 2,847,000.00 1,676,000.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 11,000.00 0 0 0 22,000.00 0 0 0 0 0 0 0
   Net Loan & Lease Activity 1,337,000.00 3,303,000.00 3,224,000.00 -3,509,000.00 819,000.00
   Other Investing Activities -2,022,000.00 -1,760,000.00 553,000.00 1,785,000.00 -2,979,000.00 -3,261,000.00 -1,577,000.00 14,910,000.00 -8,548,000.00 -10,014,000.00 -3,444,000.00 3,362,000.00 383,000.00 -1,579,000.00 -1,893,000.00 8,832,000.00 -5,994,000.00 -5,196,000.00 -6,087,000.00
Financing Cash Flow 16,000.00 -371,000.00 -936,000.00 -1,706,000.00 30,000.00 321,000.00 -127,000.00 -9,712,000.00 2,794,000.00 5,746,000.00 1,844,000.00 3,590,000.00 -9,346,000.00 -4,181,000.00 -771,000.00 -6,885,000.00 3,815,000.00 3,208,000.00 3,049,000.00
   Net Issuance/Repayment of Debt 871,000.00 61,000.00 395,000.00 -1,306,000.00 37,000.00 1,966,000.00 154,000.00 -8,377,000.00 1,000.00 4,440,000.00 3,979,000.00 1,665,000.00 -707,000.00 -171,000.00 -405,000.00 74,000.00 27,000.00 48,000.00 4,000.00
   Net Issuance/Repurchase of Equity 668,000.00 396,000.00 368,000.00 260,000.00 563,000.00 488,000.00 159,000.00 -9,000.00 15,000.00 15,000.00 9,000.00 -492,000.00 536,000.00 530,000.00 511,000.00 566,000.00 442,000.00 296,000.00 74,000.00
   Dividends Paid 271,000.00 183,000.00 92,000.00 155,000.00 291,000.00 197,000.00 98,000.00 178,000.00 287,000.00 191,000.00 95,000.00 170,000.00 276,000.00 184,000.00 93,000.00 174,000.00 285,000.00 189,000.00 95,000.00
   Other Financing Activities -1,794,000.00 -1,011,000.00 -1,791,000.00 -815,000.00 -861,000.00 -2,330,000.00 -538,000.00 -1,504,000.00 2,491,000.00 1,100,000.00 -2,239,000.00 2,247,000.00 -9,451,000.00 -4,724,000.00 -970,000.00 -7,699,000.00 3,061,000.00 2,675,000.00 2,876,000.00
Net Change in Cash 149,000.00 -22,000.00 106,000.00 -76,000.00 305,000.00 -275,000.00 -165,000.00 184,000.00 -105,000.00 -124,000.00 -247,000.00 137,000.00 95,000.00 57,000.00 77,000.00 -191,000.00 -90,000.00 277,000.00 41,000.00
   Cash at Beginning of Period 1,537,000.00 1,537,000.00 1,537,000.00 1,613,000.00 1,731,000.00 1,731,000.00 1,731,000.00 1,547,000.00 1,543,000.00 1,543,000.00 1,543,000.00 1,406,000.00 1,788,000.00 1,788,000.00 1,788,000.00 1,979,000.00 1,648,000.00 1,648,000.00 1,648,000.00
   Cash at End of Period 1,686,000.00 1,515,000.00 1,643,000.00 1,537,000.00 2,036,000.00 1,456,000.00 1,566,000.00 1,731,000.00 1,438,000.00 1,419,000.00 1,296,000.00 1,543,000.00 1,883,000.00 1,845,000.00 1,865,000.00 1,788,000.00 1,558,000.00 1,925,000.00 1,689,000.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0