FMBH

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 11.12 10.93 8.86 14.86 12.42
Price to Sales 38.41 36.30 28.77 37.51 34.83
Book Value Per Common Share 106.26 99.87 92.87 105.18 101.83
Price to Book 0.35 0.35 0.35 0.41 0.33
Price to Operating Cash Flow 5.11 6.38 -8.06 -8.90 6.20
Price to Free Cash Flow
Enterprise Value to EBITDA 34663.26 39274.15 47480.59 79881.80 63813.99
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 13.29 19.63 37.53 15.56 19.46 38.00 11.02 13.87 28.96 12.25 20.62 44.76 21.16 44.03 183.04
Price to Sales 55.32 79.85 143.56 56.23 73.25 146.61 37.37 45.65 101.15 40.14 63.72 124.28 52.49 73.61 154.30
Book Value Per Common Share 38.85 37.27 36.32 106.26 35.91 34.05 33.40 99.87 30.97 32.18 32.26 92.87 29.37 30.63 32.61 105.18 34.69 34.08 34.79 101.83
Price to Book 0.98 1.01 0.96 0.35 1.08 0.97 0.98 0.35 0.86 0.75 0.84 0.35 1.09 1.16 1.18 0.41 1.18 1.19 1.26 0.33
Price to Operating Cash Flow 10.20 16.08 17.39 10.80 14.82 26.86 13.55 12.99 27.47 12.05 36.27 30.77 15.91 536.56 35.26
Price to Free Cash Flow
Enterprise Value to EBITDA 47999.58 71471.58 136542.53 48338.12 61320.31 121059.92 41922.16 50889.17 114276.30 68351.83 121634.55 274361.66 111436.81 210166.30 659592.51

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 4.42 -12.43 25.69 6.27
Revenue YoY 9.74 -7.55 10.22 26.34
EBITDA YoY 20.71 52.17 42.68 9.69
Net Profit YoY 14.45 -5.51 41.68 13.74
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 49.21 105.38 47.93 96.51 38.51 85.11 50.87 101.16 110.87 283.33
Revenue YoY 45.92 93.19 54.22 101.56 45.51 96.86 42.30 91.60 42.29 101.83
EBITDA YoY 50.50 105.28 50.18 98.69 55.03 99.23 59.54 109.16 91.21 202.44
Net Profit YoY 49.25 105.71 48.40 96.30 42.29 86.38 52.19 106.87 112.22 297.42

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 11.45 14.33 15.28 19.12 50.17
Quick Ratio
Current Ratio
Debt to Equity 4.01 4.37 4.92 2.75 3.76
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 24.39 17.15 18.12 11.41 14.99 20.93 31.04 13.10 35.64 17.18 16.69 15.07 15.90 13.63 23.43 18.92 38.44 37.95 47.61 50.10
Quick Ratio
Current Ratio
Debt to Equity 7.40 7.59 7.69 4.01 7.81 8.32 8.62 4.37 9.64 9.15 9.10 4.92 10.07 9.64 4.22 2.75 4.18 3.94 8.70 3.76
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.93 0.81 0.97 0.69 0.84
ROE 4.66 4.35 5.76 2.59 3.98
Gross Margin 75.30
Operating Margin 1021.33 938.34 546.44 402.07 473.42
EBITDA Margin 1112.39 1011.29 614.37 474.59 546.62
Net Profit Margin 345.77 331.53 324.35 252.32 280.26
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 0.87 0.59 0.29 0.79 0.53 0.27 0.65 0.53 0.29 0.79 0.52 0.23 0.52 0.25 0.07
ROE 7.30 5.10 2.55 6.96 4.95 2.57 6.89 5.41 2.90 8.71 5.49 1.17 2.68 1.24 0.68
Gross Margin 53.69 62.35 71.52 87.96 93.23
Operating Margin 1067.33 1034.93 970.67 1068.62 1097.94 1111.33 892.62 833.77 823.18 516.65 456.96 416.62 399.36 284.60 179.23
EBITDA Margin 1158.21 1122.96 1056.81 1163.10 1194.41 1211.63 955.75 897.04 886.38 587.25 523.81 479.83 470.97 350.47 233.88
Net Profit Margin 416.34 407.04 382.26 361.06 375.20 385.25 322.03 329.31 347.84 321.12 300.26 278.09 244.99 164.25 83.41

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 8,479,777.00 8,516,689.00 7,493,473.00 7,454,724.00 5,410,146.00
   Deposits 6,057,096.00 6,123,659.00 5,257,001.00 10,472,972.00 3,692,784.00
      Cash and Short-Term Investments 272,566.00 312,042.00 308,202.00 342,036.00 838,758.00
            Cash and Cash Equivalents 245,932.00 287,598.00 306,336.00 339,654.00 837,257.00
            Short-Term Investments 26,634.00 24,444.00 1,866.00 2,382.00 1,501.00
      Net Receivables 26,696,888.00 26,304,043.00 22,743,353.00 19,391,136.00 6,336,111.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 119,396.00 120,920.00 111,202.00 100,977.00 93,938.00
      Real Estate 4,427.00 2,387.00 8,561.00 12,036.00 5,268.00
      Goodwill 203,391.00 281,067.00 174,370.00 118,653.00 104,992.00
      Intangible Assets 58,515.00 67,770.00 29,485.00 29,523.00 23,128.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 59,586.00 70,067.00 72,254.00 443.00 460.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 6,786,995.00 6,930,281.00 6,227,163.00 5,468,936.00 4,273,690.00
      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 0 0 0 0 0
      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 1,692,782.00 1,586,408.00 1,266,310.00 1,985,788.00 1,136,456.00
   Shareholders Equity 2,539,173.00 2,379,612.00 1,899,465.00 1,901,682.00 1,704,684.00
      Capital Stock 100,258.00 99,919.00 86,366.00 76,835.00 71,449.00
      Share Premium 512,810.00 509,314.00 427,001.00 340,419.00 297,806.00
      Retained Earnings 395,189.00 338,662.00 289,284.00 234,162.00 197,726.00
      Treasury Shares 22,239.00 20,893.00 20,053.00 19,208.00 18,828.00
      Accumulated Other Comprehensive Income -142,383.00 -136,427.00 -151,507.00 -831.00 17,095.00
   Minority Interest 0 0 0 0 0
Investments 30,515,125.00 31,192,885.00 28,808,333.00 27,652,508.00 11,061,188.00
Debt 237,694.00 276,241.00 243,869.00 252,822.00 268,321.00
Common Shares Outstanding 23,895.81 23,827.14 20,452.38 18,080.30 16,741.21
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 22,818.00 20,793.00 22,492.00 20,407.00 16,153.00
Cost Of Revenue 5,635.00 0 0 0 0
Interest Income 357,379.00 300,166.00 215,891.00 183,013.00 144,141.00
Interest Expense 128,651.00 106,703.00 31,614.00 15,262.00 16,729.00
Net Interest 228,728.00 193,463.00 184,277.00 167,751.00 127,412.00
Non-Interest Income 96,286.00 86,786.00 74,682.00 69,767.00 59,520.00
Non-Interest Expense 214,983.00 185,740.00 162,861.00 155,579.00 111,087.00
Provisions for Credit Losses 5,635.00 0 0 0 0
Gross Profit 17,183.00 0 0 0 0
   Selling, General and Administrative Expenses 48,654.00 38,676.00 35,547.00 33,040.00 24,831.00
EBT 104,396.00 88,405.00 91,292.00 66,788.00 59,742.00
Income Tax 22,487.00 16,998.00 15,570.00 12,678.00 13,562.00
Net Income 78,898.00 68,935.00 72,952.00 51,490.00 45,270.00
EBIT 233,047.00 195,108.00 122,906.00 82,050.00 76,471.00
Deprecation and Amortization 20,778.00 15,169.00 15,278.00 14,799.00 11,825.00
EBITDA 253,825.00 210,277.00 138,184.00 96,849.00 88,296.00
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 23,800.52 21,780.22 20,169.08 17,887.00 16,716.88
Average Shares Outstanding Diluted 23,895.68 21,868.79 20,243.63 17,939.01 16,762.86
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 171,650.00 118,376.00 -80,282.00 -85,989.00 90,776.00
   Operating Net Income 78,898.00 68,935.00 72,952.00 51,490.00 45,270.00
   Deprecation and Amortization 20,778.00 15,169.00 15,278.00 14,799.00 11,825.00
   Deferred Income Tax 590.00 16,739.00 -2,232.00 -3,355.00 -4,963.00
   Share Based Compensation 2,360.00 1,656.00 1,802.00 1,304.00 774.00
   Change in Working Capital -32,591.00 73,761.00 239,323.00 223,626.00 43,265.00
   Other Operating Activities 101,615.00 -57,884.00 -407,405.00 -373,853.00 -5,395.00
Investing Cash Flow -11,509.00 432,553.00 -111,365.00 -451,531.00 -563,122.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 4,952.00 3,639.00 5,020.00 3,702.00 2,463.00
   Net Purchase/Sale of Investments Net 148,046.00 455,345.00 201,211.00 941,132.00 900,611.00
   Net Purchase/Sale of Business 0 0 67,323.00 58,029.00 0
   Net Loan & Lease Activity 99,074.00 20,826.00 416,204.00 32,032.00 445,694.00
   Other Investing Activities -263,581.00 -47,257.00 -801,123.00 -1,486,426.00 -1,911,890.00
Financing Cash Flow -180,195.00 -575,184.00 171,911.00 195,099.00 912,918.00
   Net Issuance/Repayment of Debt 0 0 39,623.00 -60,669.00 118,081.00
   Net Issuance/Repurchase of Equity 3,426.00 2,938.00 95,339.00 48,717.00 1,646.00
   Dividends Paid 22,371.00 19,557.00 17,830.00 14,721.00 12,814.00
   Other Financing Activities -205,992.00 -597,679.00 19,119.00 192,330.00 780,377.00
Net Change in Cash -20,054.00 -24,255.00 -19,736.00 -342,421.00 440,572.00
   Cash at Beginning of Period 141,270.00 167,319.00 172,169.00 511,023.00 -23,291.00
   Cash at End of Period 121,216.00 143,064.00 152,433.00 168,602.00 417,281.00
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 7,830,368.00 7,680,475.00 7,572,688.00 8,479,777.00 7,562,489.00 7,581,060.00 7,678,246.00 8,516,689.00 7,855,294.00 6,703,869.00 6,682,850.00 7,493,473.00 6,651,383.00 6,660,922.00 7,380,006.00 7,454,724.00 6,711,359.00 6,487,582.00 5,837,270.00 5,410,146.00
   Deposits 6,289,543.00 6,190,199.00 6,130,380.00 6,057,096.00 6,088,834.00 6,115,779.00 6,242,936.00 6,123,659.00 6,346,324.00 5,219,585.00 5,030,778.00 5,257,001.00 5,483,198.00 5,318,978.00 11,535,610.00 10,472,972.00 10,488,124.00 10,024,644.00 4,737,693.00 3,692,784.00
      Cash and Short-Term Investments 582,332.00 409,322.00 432,286.00 272,566.00 358,426.00 500,253.00 740,935.00 312,042.00 792,026.00 352,675.00 342,053.00 308,202.00 325,280.00 278,651.00 452,134.00 342,036.00 695,195.00 685,738.00 823,589.00 838,758.00
            Cash and Cash Equivalents 555,224.00 382,064.00 405,460.00 245,932.00 331,882.00 474,705.00 715,147.00 287,598.00 768,434.00 350,221.00 339,983.00 306,336.00 323,378.00 276,803.00 449,920.00 339,654.00 693,107.00 683,932.00 821,789.00 837,257.00
            Short-Term Investments 27,108.00 27,258.00 26,826.00 26,634.00 26,544.00 25,548.00 25,788.00 24,444.00 23,592.00 2,454.00 2,070.00 1,866.00 1,902.00 1,848.00 2,214.00 2,382.00 2,088.00 1,806.00 1,800.00 1,501.00
      Net Receivables 30,788,022.00 30,554,548.00 30,233,426.00 26,696,888.00 29,490,024.00 29,185,927.00 25,952,215.00 26,304,043.00 26,135,326.00 22,690,892.00 22,446,865.00 22,743,353.00 22,244,649.00 21,959,902.00 21,564,140.00 19,391,136.00 19,133,173.00 8,147,462.00 7,957,141.00 6,336,111.00
      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 108,002.00 110,892.00 111,263.00 119,396.00 116,024.00 116,564.00 115,984.00 120,920.00 116,196.00 104,819.00 105,270.00 111,202.00 105,853.00 106,415.00 104,561.00 100,977.00 97,943.00 98,852.00 104,078.00 93,938.00
      Real Estate 3,911.00 3,948.00 4,246.00 4,427.00 3,679.00 2,954.00 2,646.00 2,387.00 5,538.00 7,992.00 8,224.00 8,561.00 8,857.00 10,098.00 9,616.00 12,036.00 12,970.00 17,779.00 37,970.00 5,268.00
      Goodwill 203,391.00 203,391.00 203,391.00 203,391.00 210,321.00 252,509.00 252,512.00 281,067.00 281,070.00 180,921.00 168,970.00 174,370.00 173,694.00 174,476.00 174,465.00 118,653.00 117,253.00 120,573.00 122,948.00 104,992.00
      Intangible Assets 51,826.00 52,156.00 55,280.00 58,515.00 61,748.00 60,916.00 64,238.00 67,770.00 71,332.00 32,252.00 27,961.00 29,485.00 30,803.00 32,406.00 34,034.00 29,523.00 30,803.00 27,222.00 24,658.00 23,128.00
      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 50,798.00 58,700.00 57,896.00 59,586.00 55,591.00 67,814.00 69,876.00 70,067.00 104,541.00 72,284.00 66,698.00 72,254.00 0 0 0 443.00 0 0 0 460.00
      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 6,898,189.00 6,786,335.00 6,701,739.00 6,786,995.00 6,703,992.00 6,767,415.00 6,880,294.00 6,930,281.00 7,117,346.00 6,043,182.00 6,020,985.00 6,227,163.00 6,050,668.00 6,034,654.00 5,965,621.00 5,468,936.00 5,416,134.00 5,174,516.00 5,235,386.00 4,273,690.00
      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 0 0 0 0 0 0 0 0 0 0 0 0 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 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 932,179.00 894,140.00 870,949.00 1,692,782.00 858,497.00 813,645.00 797,952.00 1,586,408.00 737,948.00 660,687.00 661,865.00 1,266,310.00 600,715.00 626,268.00 1,414,385.00 1,985,788.00 1,295,225.00 1,313,066.00 601,884.00 1,136,456.00
   Shareholders Equity 932,179.00 894,140.00 870,949.00 2,539,173.00 858,497.00 813,645.00 797,952.00 2,379,612.00 737,948.00 660,687.00 661,865.00 1,899,465.00 600,715.00 626,268.00 666,385.00 1,901,682.00 627,225.00 616,066.00 601,884.00 1,704,684.00
      Capital Stock 100,662.00 100,630.00 100,602.00 100,258.00 100,227.00 100,194.00 100,166.00 99,919.00 99,877.00 86,670.00 86,636.00 86,366.00 86,334.00 86,310.00 86,264.00 76,835.00 76,815.00 76,797.00 76,652.00 71,449.00
      Share Premium 516,746.00 516,495.00 515,975.00 512,810.00 512,415.00 512,181.00 511,785.00 509,314.00 509,095.00 428,504.00 428,283.00 427,001.00 426,767.00 426,562.00 426,148.00 340,419.00 340,118.00 340,452.00 338,897.00 297,806.00
      Retained Earnings 445,836.00 429,342.00 411,633.00 395,189.00 381,736.00 367,967.00 353,694.00 338,662.00 326,052.00 315,636.00 303,768.00 289,284.00 273,335.00 260,080.00 246,805.00 234,162.00 221,295.00 206,934.00 198,408.00 197,726.00
      Treasury Shares 22,861.00 22,645.00 22,420.00 22,239.00 21,336.00 21,081.00 20,858.00 20,893.00 20,245.00 20,059.00 19,884.00 20,053.00 19,576.00 19,418.00 19,272.00 19,208.00 18,761.00 18,640.00 18,757.00 18,828.00
      Accumulated Other Comprehensive Income -110,012.00 -130,710.00 -135,350.00 -142,383.00 -116,692.00 -146,998.00 -147,667.00 -136,427.00 -178,903.00 -151,566.00 -137,901.00 -151,507.00 -167,663.00 -128,240.00 -74,028.00 -831.00 5,633.00 8,781.00 5,087.00 17,095.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 34,442,815.00 34,151,423.00 33,565,541.00 30,515,125.00 33,839,365.00 33,545,322.00 30,632,512.00 31,192,885.00 31,486,009.00 28,277,170.00 28,520,958.00 28,808,333.00 28,524,461.00 29,386,165.00 29,805,500.00 27,652,508.00 26,800,198.00 14,809,123.00 13,745,828.00 11,061,188.00
Debt 117,940.00 117,564.00 118,125.00 237,694.00 126,470.00 142,484.00 145,599.00 276,241.00 145,154.00 129,256.00 129,352.00 243,869.00 129,262.00 129,639.00 129,133.00 252,822.00 129,831.00 130,356.00 130,936.00 268,321.00
Common Shares Outstanding 23,996.83 23,988.85 23,981.92 23,895.81 23,904.05 23,895.87 23,888.93 23,827.14 23,830.04 20,528.19 20,519.72 20,452.38 20,454.64 20,448.80 20,437.18 18,080.30 18,083.13 18,078.47 0 16,741.21
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 2021-12-31 2021-09-30 2021-06-30 2021-03-31
Revenues 16,350.00 11,205.00 5,800.00 -9,774.00 16,543.00 10,727.00 5,322.00 -11,371.00 15,795.00 10,855.00 5,514.00 -11,222.00 16,291.00 11,448.00 5,975.00 -8,607.00 14,146.00 9,942.00 4,926.00
Cost Of Revenue 7,572.00 4,219.00 1,652.00 2,917.00 1,992.00 726.00 0 0 0 0 0 0 0 0 0 0 0 0 0
Interest Income 298,426.00 194,632.00 94,336.00 -218,246.00 289,383.00 191,165.00 95,077.00 -148,596.00 233,843.00 144,121.00 70,798.00 -128,922.00 177,277.00 113,221.00 54,315.00 -113,807.00 153,130.00 98,032.00 45,658.00
Interest Expense 87,460.00 57,688.00 28,150.00 -65,430.00 97,759.00 64,120.00 32,202.00 -32,258.00 74,238.00 44,243.00 20,480.00 3,334.00 16,577.00 8,080.00 3,623.00 -8,437.00 11,707.00 7,940.00 4,052.00
Net Interest 189,635.00 123,272.00 59,409.00 -108,755.00 169,778.00 112,235.00 55,470.00 -71,287.00 136,001.00 85,558.00 43,191.00 -88,198.00 138,605.00 90,348.00 43,522.00 -73,531.00 125,007.00 79,511.00 36,764.00
Non-Interest Income 71,366.00 48,457.00 24,864.00 -45,015.00 69,923.00 46,900.00 24,478.00 -42,676.00 65,018.00 41,965.00 22,479.00 -42,565.00 56,475.00 39,684.00 21,088.00 -36,407.00 52,392.00 36,033.00 17,749.00
Non-Interest Expense 166,380.00 109,234.00 54,472.00 -101,818.00 158,686.00 104,753.00 53,362.00 -66,171.00 128,715.00 81,619.00 41,577.00 -82,956.00 123,489.00 81,940.00 40,388.00 -85,568.00 119,934.00 83,613.00 37,600.00
Provisions for Credit Losses 7,572.00 4,219.00 1,652.00 2,917.00 1,992.00 726.00 0 0 0 0 0 0 0 0 0 0 0 0 0
Gross Profit 8,778.00 6,986.00 4,148.00 -7,369.00 14,551.00 10,001.00 0 0 0 0 0 0 0 0 0 0 0 0 0
   Selling, General and Administrative Expenses 37,628.00 24,608.00 12,838.00 -19,532.00 34,435.00 22,489.00 11,262.00 -15,195.00 27,551.00 17,679.00 8,641.00 -18,423.00 26,835.00 18,062.00 9,073.00 -12,494.00 23,291.00 15,053.00 7,190.00
EBT 87,049.00 58,276.00 28,149.00 -55,226.00 79,023.00 53,656.00 26,943.00 -49,520.00 66,752.00 46,263.00 24,910.00 -41,801.00 67,590.00 44,233.00 21,270.00 -3,130.00 44,786.00 20,355.00 4,777.00
Income Tax 18,978.00 12,617.00 5,928.00 -16,492.00 19,174.00 13,365.00 6,440.00 -16,077.00 16,856.00 10,502.00 5,717.00 -14,245.00 15,301.00 9,860.00 4,654.00 -2,194.00 10,156.00 4,047.00 669.00
Net Income 68,071.00 45,609.00 22,171.00 -41,583.00 59,730.00 40,248.00 20,503.00 -36,856.00 50,864.00 35,747.00 19,180.00 -30,351.00 52,313.00 34,374.00 16,616.00 -3,605.00 34,656.00 16,330.00 4,109.00
EBIT 174,509.00 115,964.00 56,299.00 -120,656.00 176,782.00 117,776.00 59,145.00 -81,778.00 140,990.00 90,506.00 45,390.00 -38,467.00 84,167.00 52,313.00 24,893.00 -11,567.00 56,493.00 28,295.00 8,829.00
Deprecation and Amortization 14,858.00 9,864.00 4,996.00 -10,538.00 15,630.00 10,348.00 5,338.00 -5,155.00 9,971.00 6,868.00 3,485.00 -7,654.00 11,502.00 7,653.00 3,777.00 -4,573.00 10,131.00 6,549.00 2,692.00
EBITDA 189,367.00 125,828.00 61,295.00 -131,194.00 192,412.00 128,124.00 64,483.00 -86,933.00 150,961.00 97,374.00 48,875.00 -46,121.00 95,669.00 59,966.00 28,670.00 -16,140.00 66,624.00 34,844.00 11,521.00
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 23,876.02 23,867.59 23,858.82 23,528.05 23,905.10 23,896.21 23,872.73 23,879.46 22,220.44 20,528.72 20,492.25 20,476.98 20,454.67 20,448.80 19,295.86 18,097.75 18,083.13 18,067.19 17,299.93
Average Shares Outstanding Diluted 23,997.20 23,988.97 23,959.23 23,617.59 24,006.65 23,998.15 23,960.33 23,963.61 22,319.33 20,628.24 20,563.97 20,551.35 20,535.22 20,529.52 19,358.46 18,146.72 18,136.15 18,120.21 17,352.95
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
Operating Cash Flow 88,671.00 55,631.00 47,884.00 3,431.00 86,151.00 53,020.00 29,048.00 16,344.00 43,569.00 38,158.00 20,305.00 -178,786.00 54,260.00 20,111.00 24,133.00 -155,585.00 46,679.00 1,364.00 21,553.00
   Operating Net Income 68,071.00 45,609.00 22,171.00 -41,583.00 59,730.00 40,248.00 20,503.00 -36,856.00 50,864.00 35,747.00 19,180.00 -30,351.00 52,313.00 34,374.00 16,616.00 -3,605.00 34,656.00 16,330.00 4,109.00
   Deprecation and Amortization 14,858.00 9,864.00 4,996.00 -10,538.00 15,630.00 10,348.00 5,338.00 -5,155.00 9,971.00 6,868.00 3,485.00 -7,654.00 11,502.00 7,653.00 3,777.00 -4,573.00 10,131.00 6,549.00 2,692.00
   Deferred Income Tax 0 0 0 590.00 0 0 0 16,739.00 0 0 0 -2,232.00 0 0 0 -3,355.00 0 0 0
   Share Based Compensation 1,996.00 1,359.00 688.00 -1,172.00 1,741.00 1,185.00 606.00 -608.00 1,213.00 744.00 307.00 -957.00 1,342.00 909.00 508.00 -268.00 786.00 524.00 262.00
   Change in Working Capital 3,103.00 -6,435.00 -27,171.00 21,460.00 -19,927.00 -23,042.00 -11,082.00 81,090.00 3,055.00 -8,510.00 -1,874.00 219,141.00 16,681.00 5,493.00 -1,992.00 148,234.00 22,848.00 50,926.00 1,618.00
   Other Operating Activities 643.00 5,234.00 47,200.00 34,674.00 28,977.00 24,281.00 13,683.00 -38,866.00 -21,534.00 3,309.00 -793.00 -356,733.00 -27,578.00 -28,318.00 5,224.00 -292,018.00 -21,742.00 -72,965.00 12,872.00
Investing Cash Flow -139,286.00 -93,124.00 4,545.00 -217,627.00 39,451.00 69,264.00 97,403.00 -126,988.00 412,634.00 57,173.00 89,734.00 23,503.00 -104,987.00 -93,756.00 63,875.00 41,776.00 -348,901.00 -63,132.00 -81,274.00
   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 12,685.00 7,431.00 5,430.00 -2,833.00 3,710.00 2,595.00 1,480.00 -2,231.00 3,021.00 1,908.00 941.00 -1,641.00 3,874.00 2,760.00 27.00 -1,422.00 2,367.00 1,562.00 1,195.00
   Net Purchase/Sale of Investments Net 249,438.00 138,012.00 33,752.00 -64,653.00 120,383.00 69,701.00 22,615.00 20,978.00 350,279.00 56,288.00 27,800.00 -115,478.00 163,254.00 99,810.00 53,625.00 -561,397.00 744,800.00 511,956.00 245,773.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 -134,646.00 67,323.00 67,323.00 67,323.00 -20,502.00 27,061.00 24,409.00 27,061.00
   Net Loan & Lease Activity 99,074.00 20,826.00 416,204.00 32,032.00 445,694.00
   Other Investing Activities -558,782.00 -335,572.00 -65,786.00 -318,871.00 -117,947.00 19,387.00 153,850.00 -267,688.00 80,412.00 13,485.00 126,534.00 446,755.00 -649,102.00 -500,242.00 -98,534.00 376,074.00 -1,106,446.00 -427,070.00 -328,984.00
Financing Cash Flow 206,486.00 106,294.00 27,825.00 -132,038.00 -104,475.00 -29,868.00 86,186.00 -182,936.00 -225,399.00 -73,511.00 -93,338.00 118,875.00 43,079.00 42,587.00 -32,630.00 -72,263.00 230,147.00 -14,772.00 51,987.00
   Net Issuance/Repayment of Debt 4,000.00 4,000.00 4,000.00 0 0 0 0 0 0 0 0 17,029.00 33,916.00 -16,857.00 5,535.00 46,354.00 -57,046.00 -55,543.00 5,566.00
   Net Issuance/Repurchase of Equity 895.00 644.00 434.00 1,619.00 839.00 586.00 382.00 1,251.00 792.00 554.00 341.00 93,069.00 1,019.00 834.00 417.00 46,382.00 1,724.00 432.00 179.00
   Dividends Paid 17,424.00 11,456.00 5,727.00 -10,699.00 16,656.00 10,943.00 5,471.00 -8,630.00 14,096.00 9,395.00 4,696.00 -7,737.00 13,140.00 8,454.00 3,973.00 -6,080.00 10,755.00 6,789.00 3,257.00
   Other Financing Activities 184,167.00 90,194.00 17,664.00 -122,958.00 -121,970.00 -41,397.00 80,333.00 -175,557.00 -240,287.00 -83,460.00 -98,375.00 16,514.00 -4,996.00 50,156.00 -42,555.00 -158,919.00 274,714.00 33,550.00 42,985.00
Net Change in Cash 155,871.00 68,801.00 80,254.00 -346,234.00 21,127.00 92,416.00 212,637.00 -293,580.00 230,804.00 21,820.00 16,701.00 -36,408.00 -7,648.00 -31,058.00 55,378.00 -186,072.00 -72,075.00 -76,540.00 -7,734.00
   Cash at Beginning of Period 121,216.00 121,216.00 121,216.00 467,450.00 143,064.00 143,064.00 143,064.00 436,644.00 152,433.00 152,433.00 152,433.00 188,841.00 168,602.00 168,602.00 168,602.00 354,674.00 417,281.00 417,281.00 417,281.00
   Cash at End of Period 277,087.00 190,017.00 201,470.00 121,216.00 164,191.00 235,480.00 355,701.00 143,064.00 383,237.00 174,253.00 169,134.00 152,433.00 160,954.00 137,544.00 223,980.00 168,602.00 345,206.00 340,741.00 409,547.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0