FIBK

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 14.83 12.40 19.72 13.04 16.11
Price to Sales 45.43 41.76 53.87 55.60 63.10
Book Value Per Common Share 91.78 89.79 83.78 96.20 63.40
Price to Book 0.35 0.34 0.46 0.42 0.64
Price to Operating Cash Flow 6.13 4.11 5.84 5.93 6.95
Price to Free Cash Flow
Enterprise Value to EBITDA 33307.76 27924.88 61283.68 61684.76 68817.05
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 2021-09-30 2021-06-30 2021-03-31
Price to Earnings 17.04 24.42 58.47 18.15 24.15 47.74 13.20 20.03 55.30 35.71 127.03 -102.14 17.58 27.52 55.47
Price to Sales 63.60 85.19 172.69 56.69 77.22 152.10 44.63 63.76 165.61 75.89 112.25 230.68 73.43 119.34 278.02
Book Value Per Common Share 64.43 63.09 61.60 91.78 62.02 58.17 57.85 89.79 54.03 55.22 56.72 83.78 52.77 57.63 60.86 64.33 64.07 62.89
Price to Book 0.49 0.46 0.47 0.35 0.49 0.48 0.47 0.34 0.46 0.43 0.53 0.46 0.76 0.66 0.60 0.63 0.65 0.73
Price to Operating Cash Flow 13.80 20.28 37.62 12.15 16.82 31.94 7.22 10.78 53.69 9.46 14.30 52.61 12.08 24.30 40.22
Price to Free Cash Flow
Enterprise Value to EBITDA 58097.89 81976.03 164701.31 50209.02 67836.79 131020.57 44701.73 68317.24 187542.30 184851.83 475827.86 124198.05 192214.42 384212.79

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -11.69 26.53 -37.18 23.32
Revenue YoY -3.66 3.10 64.30 9.73
EBITDA YoY -10.92 73.77 62.08 7.86
Net Profit YoY -12.23 27.35 5.26 19.17
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 2021-09-30 2021-06-30 2021-03-31
Earning YoY 58.47 140.82 46.96 101.75 58.82 120.37 276.67 50.66 83.13
Revenue YoY 48.14 104.09 50.54 101.09 49.48 107.49 59.48 131.76 56.48 111.76
EBITDA YoY 54.68 102.03 49.22 97.10 735.38 59.86 120.52 -53.13 164.19 48.99 81.71
Net Profit YoY 58.57 142.83 46.88 102.74 58.96 119.01 2.18 279.15 50.16 82.68

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 20.07 22.02 18.36 79.01 73.52
Quick Ratio
Current Ratio
Debt to Equity 3.96 4.30 4.80 4.50 4.07
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 2021-09-30 2021-06-30 2021-03-31
Cash Per Common Share 14.05 10.57 8.45 19.76 6.79 9.32 14.47 21.98 13.93 14.78 18.64 18.15 5.75 28.98 86.49 36.23 31.62 35.65
Quick Ratio
Current Ratio
Debt to Equity 6.93 7.06 7.41 3.96 7.79 8.39 8.39 4.30 8.90 8.92 9.01 4.80 9.43 8.80 8.64 8.76 8.61 8.54
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.69 0.75 0.57 0.88 0.81
ROE 3.42 3.99 3.29 4.83 4.11
Gross Margin -102.04 67.41
Operating Margin 1309.38 1430.89 836.98 888.69 845.74
EBITDA Margin 1385.33 1498.17 888.93 901.11 916.79
Net Profit Margin 307.07 337.04 272.87 425.94 392.21
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 2021-09-30 2021-06-30 2021-03-31
ROA 0.71 0.44 0.18 0.59 0.39 0.19 0.64 0.40 0.18 0.37 0.10 0.73 0.50 0.28
ROE 5.61 3.56 1.49 5.17 3.67 1.82 6.35 3.95 1.78 3.87 0.94 7.10 4.76 2.66
Gross Margin 25.53 -14.61 -135.09
Operating Margin 1017.99 998.57 963.16 1072.17 1086.49 1094.02 932.24 868.81 809.09 329.80 152.77 -238.51 575.74 600.46 687.25
EBITDA Margin 1103.09 1056.45 1067.25 1146.86 1157.03 1180.43 1010.17 944.59 888.77 416.82 251.60 -68.92 591.12 620.83 723.53
Net Profit Margin 373.89 349.28 293.57 312.21 320.00 317.39 337.93 317.78 301.07 212.80 89.50 417.16 434.72 503.92

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 2021-09-30 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 32,756,000.00 34,199,600.00 35,669,200.00 21,871,000.00 19,860,800.00
   Deposits 23,015,600.00 23,323,100.00 25,073,600.00 16,269,600.00 14,217,000.00
      Cash and Short-Term Investments 2,066,600.00 2,284,700.00 1,895,800.00 4,870,700.00 4,676,800.00
            Cash and Cash Equivalents 2,066,600.00 1,431,700.00 1,895,800.00 4,870,700.00 4,676,800.00
            Short-Term Investments 0 853,000.00 0 0 0
      Net Receivables 206,800.00 233,600.00 211,000.00 81,400.00 92,700.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 427,200.00 444,300.00 444,700.00 299,600.00 312,300.00
      Real Estate 4,300.00 16,500.00 12,700.00 2,000.00 2,500.00
      Goodwill 1,100,900.00 1,100,900.00 1,100,900.00 621,600.00 621,600.00
      Intangible Assets 66,800.00 81,400.00 97,000.00 41,300.00 51,200.00
      Long-Term Investments 0 0 1,100.00 2,900.00 2,900.00
      Non-Current Deferred Assets 118,400.00 150,000.00 210,500.00 0 0
      Other Non-Current Assets 0 0 0 0 0
Liabilities 26,148,000.00 27,744,600.00 29,521,600.00 17,897,800.00 15,941,200.00
      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 1,567,500.00 2,603,000.00 2,327,000.00 0 0
      Other Current Liabilities 0 0 0 0 0
      Long-Term Debt 132,200.00 120,800.00 163,100.00 112,400.00 112,400.00
      Other Non-Current Liabilities 0 0 0 0 0
Equity 6,608,000.00 6,455,000.00 6,147,600.00 3,973,200.00 3,919,600.00
   Shareholders Equity 9,598,400.00 9,332,400.00 8,750,400.00 5,930,800.00 4,033,000.00
      Capital Stock 0 0 0 0 0
      Share Premium 0 0 0 0 0
      Retained Earnings 1,166,400.00 1,135,100.00 1,072,700.00 1,052,600.00 962,100.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -321,900.00 -356,500.00 -477,100.00 -11,000.00 56,600.00
   Minority Interest 0 0 0 0 0
Investments 10,432,100.00 15,465,200.00 65,924,200.00 43,928,300.00 32,520,800.00
Debt 3,593,400.00 3,050,000.00 2,610,900.00 373,400.00 373,400.00
Net Debt 1,526,800.00 765,300.00 715,100.00 0 0
Common Shares Outstanding 104,585.96 103,941.63 104,442.02 0 0
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 73,600.00 76,400.00 74,100.00 45,100.00 41,100.00
Cost Of Revenue 148,700.00 0 0 14,700.00 0
Interest Income 1,314,300.00 1,292,500.00 1,026,300.00 505,500.00 523,600.00
Interest Expense 499,500.00 419,700.00 91,500.00 25,500.00 33,200.00
Net Interest 821,600.00 878,800.00 942,600.00 488,200.00 497,000.00
Non-Interest Income 178,100.00 147,000.00 163,200.00 150,500.00 156,700.00
Non-Interest Expense 637,400.00 656,800.00 766,000.00 405,500.00 387,500.00
Provisions for Credit Losses 148,700.00 0 0 -14,700.00 0
Gross Profit -75,100.00 0 0 30,400.00 0
   Selling, General and Administrative Expenses 202,900.00 201,400.00 194,900.00 129,400.00 121,600.00
EBT 464,200.00 673,500.00 528,700.00 375,300.00 314,400.00
Income Tax 61,300.00 75,100.00 36,000.00 103,800.00 42,000.00
Net Income 226,000.00 257,500.00 202,200.00 192,100.00 161,200.00
EBIT 963,700.00 1,093,200.00 620,200.00 400,800.00 347,600.00
Deprecation and Amortization 55,900.00 51,400.00 38,500.00 5,600.00 29,200.00
EBITDA 1,019,600.00 1,144,600.00 658,700.00 406,400.00 376,800.00
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 102,978.30 103,752.21 103,274.07 61,650.31 63,611.89
Average Shares Outstanding Diluted 103,190.86 103,780.10 103,341.00 61,741.83 63,729.47
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 545,200.00 776,200.00 683,300.00 423,100.00 373,400.00
   Operating Net Income 678,000.00 772,500.00 606,600.00 768,400.00 483,600.00
   Deprecation and Amortization 55,900.00 51,400.00 38,500.00 5,600.00 29,200.00
   Deferred Income Tax 21,300.00 20,400.00 -4,700.00 5,000.00 -6,600.00
   Share Based Compensation 23,700.00 0 9,600.00 8,900.00 7,500.00
   Change in Working Capital 6,600.00 -103,100.00 242,200.00 9,000.00 37,100.00
   Other Operating Activities -240,300.00 35,000.00 -208,900.00 -373,800.00 -177,400.00
Investing Cash Flow 1,758,800.00 1,253,400.00 -949,800.00 -2,120,000.00 -1,869,800.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 23,000.00 28,200.00 10,500.00 10,300.00 30,200.00
   Net Purchase/Sale of Investments Net 1,551,100.00 1,775,700.00 6,475,800.00 5,331,400.00 3,928,100.00
   Net Purchase/Sale of Business 0 0 2,006,900.00 0 0
   Net Loan & Lease Activity -372,300.00 185,800.00 951,400.00 -458,500.00 901,300.00
   Other Investing Activities 557,000.00 -736,300.00 -10,394,400.00 -7,003,200.00 -6,729,400.00
Financing Cash Flow -1,987,700.00 -2,201,200.00 -1,234,100.00 1,822,800.00 2,672,500.00
   Net Issuance/Repayment of Debt -1,544,100.00 5,900.00 2,520,000.00 -40,300.00 393,800.00
   Net Issuance/Repurchase of Equity 1,200.00 34,000.00 398,100.00 11,600.00 235,800.00
   Dividends Paid 195,900.00 195,100.00 182,100.00 101,600.00 128,600.00
   Other Financing Activities -640,700.00 -2,436,200.00 -4,334,300.00 1,749,900.00 1,914,300.00
Net Change in Cash 316,300.00 -171,600.00 -1,500,600.00 125,900.00 1,176,100.00
   Cash at Beginning of Period 580,300.00 749,600.00 2,371,100.00 2,218,900.00 1,100,700.00
   Cash at End of Period 896,600.00 578,000.00 870,500.00 2,344,800.00 2,276,800.00
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 27,332,900.00 27,566,400.00 28,279,800.00 32,756,000.00 29,595,500.00 30,289,500.00 30,144,800.00 34,199,600.00 30,540,800.00 30,976,300.00 31,637,700.00 35,669,200.00 31,344,700.00 32,061,800.00 33,162,200.00 21,871,000.00 19,372,200.00 18,940,500.00 18,443,400.00 19,860,800.00
   Deposits 22,605,000.00 22,630,600.00 22,732,800.00 23,015,600.00 22,864,100.00 22,870,700.00 22,810,000.00 23,323,100.00 23,679,500.00 23,579,200.00 24,107,000.00 25,073,600.00 25,884,800.00 26,863,800.00 28,088,300.00 16,269,600.00 16,007,300.00 15,565,700.00 15,094,000.00 14,217,000.00
      Cash and Short-Term Investments 1,449,200.00 1,090,200.00 871,400.00 2,066,600.00 698,600.00 958,500.00 1,488,000.00 2,284,700.00 1,446,100.00 1,533,500.00 1,933,700.00 1,895,800.00 591,900.00 2,927,400.00 8,030,600.00 4,870,700.00 2,233,500.00 1,948,400.00 2,196,000.00 4,676,800.00
            Cash and Cash Equivalents 1,449,200.00 1,090,200.00 871,400.00 2,066,600.00 698,600.00 958,500.00 635,000.00 1,431,700.00 593,100.00 680,500.00 1,080,700.00 1,895,800.00 591,900.00 2,927,400.00 8,030,600.00 4,870,700.00 2,233,500.00 1,948,400.00 2,196,000.00 4,676,800.00
            Short-Term Investments 0 0 0 0 0 0 853,000.00 853,000.00 853,000.00 853,000.00 853,000.00 0 0 0 0 0 0 0 0 0
      Net Receivables 136,100.00 137,000.00 138,900.00 206,800.00 166,000.00 167,600.00 176,600.00 233,600.00 186,200.00 178,900.00 167,400.00 211,000.00 150,400.00 127,500.00 110,900.00 81,400.00 56,100.00 54,300.00 53,400.00 92,700.00
      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 415,100.00 413,000.00 428,900.00 427,200.00 432,700.00 436,500.00 439,900.00 444,300.00 446,300.00 443,700.00 443,400.00 444,700.00 445,400.00 442,700.00 444,400.00 299,600.00 297,300.00 299,100.00 305,500.00 312,300.00
      Real Estate 0 0 0 4,300.00 4,400.00 6,700.00 14,400.00 16,500.00 11,600.00 14,400.00 13,400.00 12,700.00 16,400.00 16,800.00 17,500.00 2,000.00 2,300.00 2,000.00 2,200.00 2,500.00
      Goodwill 1,100,900.00 1,100,900.00 1,100,900.00 1,100,900.00 1,100,900.00 1,100,900.00 1,100,900.00 1,100,900.00 1,100,900.00 1,100,900.00 1,100,900.00 1,100,900.00 1,100,000.00 1,099,800.00 1,137,600.00 621,600.00 621,600.00 621,600.00 621,600.00 621,600.00
      Intangible Assets 56,600.00 60,000.00 63,500.00 66,800.00 70,400.00 74,000.00 77,700.00 81,400.00 85,200.00 89,100.00 93,000.00 97,000.00 101,000.00 105,100.00 109,600.00 41,300.00 43,700.00 46,100.00 48,600.00 51,200.00
      Long-Term Investments 0 0 0 0 0 0 0 0 0 0 0 1,100.00 400.00 200.00 600.00 2,900.00 100.00 200.00 1,500.00 2,900.00
      Non-Current Deferred Assets 66,700.00 76,700.00 92,500.00 118,400.00 110,900.00 154,500.00 161,300.00 150,000.00 215,300.00 193,500.00 173,200.00 210,500.00 223,800.00 176,900.00 137,400.00 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 23,884,200.00 24,144,600.00 24,918,500.00 26,148,000.00 26,229,700.00 27,064,200.00 26,935,100.00 27,744,600.00 27,455,300.00 27,855,100.00 28,477,400.00 29,521,600.00 28,339,200.00 28,789,900.00 29,721,100.00 17,897,800.00 17,387,400.00 16,969,600.00 16,510,000.00 15,941,200.00
      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 0 250,000.00 960,000.00 1,567,500.00 2,080,000.00 2,430,000.00 2,342,000.00 2,603,000.00 2,067,000.00 2,589,000.00 2,710,000.00 2,327,000.00 625,000.00 0 0 0 0 0 0 0
      Other Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Long-Term Debt 146,200.00 252,000.00 0 132,200.00 137,300.00 383,400.00 370,800.00 120,800.00 0 0 0 163,100.00 0 0 0 112,400.00 0 0 0 112,400.00
      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 3,448,700.00 3,421,800.00 3,361,300.00 6,608,000.00 3,365,800.00 3,225,300.00 3,209,700.00 6,455,000.00 3,085,500.00 3,121,200.00 3,160,300.00 6,147,600.00 3,005,500.00 3,271,900.00 3,441,100.00 3,973,200.00 1,984,800.00 1,970,900.00 1,933,400.00 3,919,600.00
   Shareholders Equity 6,699,000.00 6,616,600.00 6,462,000.00 9,598,400.00 6,482,600.00 6,082,500.00 6,049,500.00 9,332,400.00 5,673,600.00 5,799,200.00 5,920,400.00 8,750,400.00 5,511,900.00 6,210,200.00 6,664,100.00 5,930,800.00 3,965,600.00 3,948,100.00 3,873,600.00 4,033,000.00
      Capital Stock 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Share Premium 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Retained Earnings 1,213,500.00 1,191,200.00 1,168,600.00 1,166,400.00 1,163,300.00 1,156,900.00 1,145,900.00 1,135,100.00 1,122,300.00 1,098,800.00 1,080,700.00 1,072,700.00 1,035,800.00 993,800.00 974,500.00 1,052,600.00 1,026,900.00 1,005,200.00 988,200.00 962,100.00
      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 -204,100.00 -232,900.00 -267,500.00 -321,900.00 -254,900.00 -385,500.00 -386,900.00 -356,500.00 -521,700.00 -459,000.00 -399,100.00 -477,100.00 -507,700.00 -329,800.00 -202,000.00 -11,000.00 14,300.00 24,100.00 6,700.00 56,600.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 9,716,100.00 9,882,200.00 10,143,300.00 10,432,100.00 13,758,200.00 13,998,600.00 14,331,700.00 15,465,200.00 15,406,200.00 15,811,000.00 16,177,900.00 65,924,200.00 64,724,300.00 72,127,600.00 60,334,500.00 43,928,300.00 40,383,600.00 37,017,900.00 35,057,300.00 32,520,800.00
Debt 309,300.00 915,100.00 2,213,300.00 3,593,400.00 4,460,400.00 5,406,500.00 5,217,900.00 3,050,000.00 2,350,900.00 2,872,900.00 2,993,900.00 2,610,900.00 908,800.00 283,500.00 283,500.00 373,400.00 199,400.00 199,400.00 199,400.00 373,400.00
Net Debt 0 0 1,341,900.00 1,526,800.00 3,761,800.00 4,448,000.00 3,729,900.00 765,300.00 904,800.00 1,339,400.00 1,060,200.00 715,100.00 316,900.00 0 0 0 0 0 0 0
Common Shares Outstanding 103,967.26 104,874.18 104,909.76 104,585.96 104,529.86 104,560.62 104,571.62 103,941.63 105,011.37 105,020.68 104,382.02 104,442.02 104,450.80 107,758.04 109,503.01 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
Revenues 51,700.00 34,900.00 17,100.00 -37,500.00 55,700.00 37,000.00 18,400.00 -39,100.00 58,000.00 38,800.00 18,700.00 -29,700.00 54,700.00 34,300.00 14,800.00 -20,500.00 33,800.00 21,600.00 10,200.00
Cost Of Revenue 38,500.00 40,000.00 40,200.00 148,700.00 0 0 0 0 0 0 0 0 0 0 0 14,700.00 0 0 0
Interest Income 899,100.00 605,800.00 306,200.00 -655,100.00 986,100.00 655,300.00 328,000.00 -631,100.00 965,100.00 639,600.00 318,900.00 -307,300.00 720,300.00 429,300.00 184,000.00 -248,100.00 379,700.00 248,600.00 125,300.00
Interest Expense 273,800.00 188,600.00 98,300.00 -241,400.00 369,400.00 246,900.00 124,600.00 -118,000.00 284,800.00 175,900.00 77,000.00 38,800.00 33,300.00 13,400.00 6,000.00 -1,500.00 13,300.00 9,100.00 4,600.00
Net Interest 619,000.00 412,200.00 205,000.00 -387,600.00 607,300.00 401,800.00 200,100.00 -488,400.00 671,000.00 457,300.00 238,900.00 -335,500.00 684,200.00 415,900.00 178,000.00 -238,400.00 366,400.00 239,500.00 120,700.00
Non-Interest Income 126,800.00 83,100.00 42,000.00 -79,800.00 131,100.00 84,700.00 42,100.00 -32,400.00 102,500.00 60,500.00 16,400.00 -107,800.00 121,600.00 100,200.00 49,200.00 -74,100.00 113,100.00 73,400.00 38,100.00
Non-Interest Expense 473,600.00 315,700.00 160,600.00 -316,400.00 476,500.00 317,100.00 160,200.00 -329,500.00 490,800.00 329,700.00 165,800.00 -449,400.00 590,700.00 417,500.00 207,200.00 -193,600.00 303,300.00 197,400.00 98,400.00
Provisions for Credit Losses 38,500.00 40,000.00 40,200.00 148,700.00 0 0 0 0 0 0 0 0 0 0 0 -14,700.00 0 0 0
Gross Profit 13,200.00 -5,100.00 -23,100.00 -75,100.00 0 0 0 0 0 0 0 0 0 0 0 30,400.00 0 0 0
   Selling, General and Administrative Expenses 156,100.00 103,700.00 53,400.00 -98,800.00 150,000.00 99,700.00 52,000.00 -116,300.00 157,100.00 106,100.00 54,500.00 -94,000.00 147,200.00 95,300.00 46,400.00 -73,200.00 99,400.00 68,300.00 34,900.00
EBT 252,500.00 159,900.00 66,400.00 4,600.00 227,800.00 155,100.00 76,700.00 182,100.00 255,900.00 161,200.00 74,300.00 383,900.00 147,100.00 39,000.00 -41,300.00 7,900.00 181,300.00 120,600.00 65,500.00
Income Tax 59,200.00 38,000.00 16,200.00 -47,600.00 53,900.00 36,700.00 18,300.00 -40,700.00 59,900.00 37,900.00 18,000.00 -10,900.00 30,700.00 8,300.00 7,900.00 22,700.00 40,300.00 26,700.00 14,100.00
Net Income 193,300.00 121,900.00 50,200.00 -124,700.00 173,900.00 118,400.00 58,400.00 -118,100.00 196,000.00 123,300.00 56,300.00 55,100.00 116,400.00 30,700.00 0 -94,200.00 141,000.00 93,900.00 51,400.00
EBIT 526,300.00 348,500.00 164,700.00 -236,800.00 597,200.00 402,000.00 201,300.00 64,100.00 540,700.00 337,100.00 151,300.00 422,700.00 180,400.00 52,400.00 -35,300.00 6,400.00 194,600.00 129,700.00 70,100.00
Deprecation and Amortization 44,000.00 20,200.00 17,800.00 -27,700.00 41,600.00 26,100.00 15,900.00 -38,100.00 45,200.00 29,400.00 14,900.00 -68,100.00 47,600.00 33,900.00 25,100.00 -7,700.00 5,200.00 4,400.00 3,700.00
EBITDA 570,300.00 368,700.00 182,500.00 -264,500.00 638,800.00 428,100.00 217,200.00 26,000.00 585,900.00 366,500.00 166,200.00 354,600.00 228,000.00 86,300.00 -10,200.00 -1,300.00 199,800.00 134,100.00 73,800.00
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 103,169.16 103,177.08 103,092.23 103,260.50 102,917.61 102,890.70 102,844.40 103,697.92 103,793.85 103,779.39 103,737.66 116,335.76 102,879.42 101,025.93 92,855.17 61,743.11 61,641.34 61,624.92 61,591.88
Average Shares Outstanding Diluted 103,404.80 103,404.06 103,415.99 103,522.92 103,125.06 103,075.44 103,040.03 103,655.49 103,824.28 103,821.93 103,818.72 116,497.13 102,935.36 101,076.33 92,855.17 61,797.29 61,732.82 61,723.14 61,714.06
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 238,300.00 146,600.00 78,500.00 27,900.00 259,800.00 169,900.00 87,600.00 130,200.00 358,700.00 229,600.00 57,700.00 -89,400.00 438,600.00 269,200.00 64,900.00 41,100.00 205,400.00 106,100.00 70,500.00
   Operating Net Income 193,300.00 121,900.00 50,200.00 327,300.00 173,900.00 118,400.00 58,400.00 396,900.00 196,000.00 123,300.00 56,300.00 526,300.00 116,400.00 30,700.00 -66,800.00 482,100.00 141,000.00 93,900.00 51,400.00
   Deprecation and Amortization 44,000.00 20,200.00 17,800.00 -27,700.00 41,600.00 26,100.00 15,900.00 -38,100.00 45,200.00 29,400.00 14,900.00 -68,100.00 47,600.00 33,900.00 25,100.00 -7,700.00 5,200.00 4,400.00 3,700.00
   Deferred Income Tax 11,900.00 12,000.00 7,700.00 8,300.00 6,600.00 6,400.00 0 -11,600.00 9,900.00 10,800.00 11,300.00 15,400.00 -4,800.00 -8,800.00 -6,500.00 -18,200.00 4,600.00 9,000.00 9,600.00
   Share Based Compensation 10,500.00 7,200.00 3,900.00 5,000.00 9,700.00 6,100.00 2,900.00 0 8,600.00 5,000.00 2,300.00 -7,700.00 8,700.00 6,200.00 2,400.00 -6,500.00 7,500.00 5,500.00 2,400.00
   Change in Working Capital -190,800.00 -169,500.00 -143,000.00 7,500.00 -23,200.00 40,000.00 -17,700.00 37,400.00 2,500.00 -59,300.00 -83,700.00 -163,800.00 254,700.00 142,000.00 9,300.00 -38,400.00 25,100.00 25,100.00 -2,800.00
   Other Operating Activities 169,400.00 154,800.00 141,900.00 -292,500.00 51,200.00 -27,100.00 28,100.00 -238,500.00 96,500.00 120,400.00 56,600.00 -391,500.00 16,000.00 65,200.00 101,400.00 -370,200.00 22,000.00 -31,800.00 6,200.00
Investing Cash Flow 2,485,900.00 1,742,200.00 833,700.00 -686,400.00 1,200,000.00 713,300.00 531,900.00 -1,979,500.00 1,329,700.00 1,034,900.00 868,300.00 -1,995,900.00 -313,000.00 -163,400.00 1,522,500.00 2,387,800.00 -1,873,900.00 -1,674,700.00 -959,200.00
   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 19,500.00 12,100.00 4,200.00 -9,100.00 16,400.00 8,900.00 6,800.00 -11,400.00 19,400.00 13,200.00 7,000.00 -41,700.00 27,200.00 15,500.00 9,500.00 4,000.00 5,500.00 300.00 500.00
   Net Purchase/Sale of Investments Net 2,048,200.00 704,700.00 376,800.00 -889,200.00 1,111,600.00 777,500.00 551,200.00 -1,951,100.00 1,450,300.00 1,234,300.00 1,042,200.00 -6,487,800.00 5,895,600.00 4,620,600.00 2,447,400.00 -2,887,800.00 3,872,600.00 2,839,900.00 1,506,700.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 -4,013,800.00 2,006,900.00 2,006,900.00 2,006,900.00 0 0 0 0
   Net Loan & Lease Activity -372,300.00 185,800.00 951,400.00 -458,500.00 901,300.00
   Other Investing Activities 2,026,500.00 2,090,000.00 911,200.00 218,300.00 298,500.00 -26,600.00 66,800.00 255,400.00 -268,700.00 -389,300.00 -333,700.00 7,994,400.00 -8,708,300.00 -6,845,600.00 -2,834,900.00 5,655,300.00 -5,579,500.00 -4,551,900.00 -2,527,100.00
Financing Cash Flow -2,171,600.00 -1,695,200.00 -937,400.00 416,700.00 -1,339,200.00 -502,700.00 -562,500.00 1,934,900.00 -1,965,800.00 -1,454,500.00 -715,800.00 2,156,600.00 -1,878,500.00 -1,391,300.00 -120,900.00 -1,850,500.00 1,625,200.00 1,240,200.00 807,900.00
   Net Issuance/Repayment of Debt -1,381,100.00 -1,332,000.00 -603,400.00 -82,400.00 -998,400.00 -213,800.00 -249,500.00 -10,800.00 -423,300.00 139,100.00 300,900.00 1,410,100.00 840,600.00 166,400.00 102,900.00 135,100.00 -83,900.00 -52,700.00 -38,800.00
   Net Issuance/Repurchase of Equity 30,700.00 3,200.00 3,200.00 -2,200.00 1,200.00 1,100.00 1,100.00 28,600.00 1,800.00 1,800.00 1,800.00 131,600.00 199,000.00 66,000.00 1,500.00 -5,800.00 5,800.00 5,800.00 5,800.00
   Dividends Paid 146,200.00 97,100.00 48,000.00 -97,600.00 146,900.00 97,800.00 48,800.00 -96,800.00 146,400.00 97,200.00 48,300.00 -85,200.00 133,100.00 89,500.00 44,700.00 -50,700.00 76,200.00 50,800.00 25,300.00
   Other Financing Activities -967,400.00 -463,500.00 -385,200.00 598,900.00 -488,900.00 -387,800.00 -362,900.00 2,013,900.00 -1,690,700.00 -1,692,600.00 -1,066,800.00 700,100.00 -3,051,200.00 -1,713,200.00 -270,000.00 -1,929,100.00 1,627,100.00 1,236,300.00 815,600.00
Net Change in Cash 552,600.00 193,600.00 -25,200.00 -241,800.00 120,600.00 380,500.00 57,000.00 85,600.00 -277,400.00 -190,000.00 210,200.00 71,300.00 -1,752,900.00 -1,285,500.00 1,466,500.00 578,400.00 -43,300.00 -328,400.00 -80,800.00
   Cash at Beginning of Period 896,600.00 896,600.00 896,600.00 1,138,400.00 578,000.00 578,000.00 578,000.00 492,400.00 870,500.00 870,500.00 870,500.00 799,200.00 2,344,800.00 2,344,800.00 2,344,800.00 1,766,400.00 2,276,800.00 2,276,800.00 2,276,800.00
   Cash at End of Period 1,449,200.00 1,090,200.00 871,400.00 896,600.00 698,600.00 958,500.00 635,000.00 578,000.00 593,100.00 680,500.00 1,080,700.00 870,500.00 591,900.00 1,059,300.00 3,811,300.00 2,344,800.00 2,233,500.00 1,948,400.00 2,196,000.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0