FMNB

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Price to Earnings 11.56 10.78
Price to Sales 52.57 53.44
Book Value Per Common Share 10.80 10.78 8.58 13.94
Price to Book 1.32 1.34
Price to Operating Cash Flow 7.97 8.67
Price to Free Cash Flow
Enterprise Value to EBITDA 17873.49 38280.06
Breakdown 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
Price to Earnings 37.27 36.25 17.79 20.15 44.53
Price to Sales 11.02 11.02 76.33 85.84 178.37
Book Value Per Common Share 11.63 11.41 10.80 11.70 10.56 10.57 10.78 8.43 9.80 10.01 8.58 7.80 9.45 11.58 13.94 13.33 12.95
Price to Book 1.19 1.14 1.32 1.29 1.18 1.26 1.34
Price to Operating Cash Flow 36.98 31.41 10.58 15.73 37.84
Price to Free Cash Flow 41.72 40.44
Enterprise Value to EBITDA 48749.34 59514.59 130526.37

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Earning YoY -8.21 -25.14 0.56
Revenue YoY -0.09 4.88 2.12
EBITDA YoY 111.23 48.01 29.05
Net Profit YoY -9.63 -16.09 16.88
Breakdown 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
Earning YoY 2.78 37.10 106.67 59.32 210.53 48.94 100.00 -71.17 52.34
Revenue YoY 5.30 36.22 94.45 54.15 86.90 48.42 94.32 -63.65 50.83
EBITDA YoY 47.78 105.20 60.66 156.97 54.61 103.74 -65.99 51.52
Net Profit YoY 2.45 34.86 104.31 58.08 207.91 48.58 100.68 -65.66 53.14

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Cash Per Common Share 2.84 3.55 2.86 4.87
Quick Ratio
Current Ratio
Debt to Equity 11.61 11.56 12.97 7.77
Long-Term Debt to Equity
Breakdown 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
Cash Per Common Share 2.82 5.63 5.49 4.60 3.53 3.19 3.89 4.19 2.85 2.98 2.56 4.93 4.19 3.78 6.38
Quick Ratio
Current Ratio
Debt to Equity 10.83 11.02 11.61 10.91 12.00 11.80 11.56 14.73 12.82 12.64 12.97 14.51 11.80 9.68 7.77 7.79 7.89
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
ROA 0.90 1.00 1.48 1.25
ROE 11.32 12.57 20.73 10.97
Gross Margin 18.37 13.75 97.41 50.74
Operating Margin 2897.74 1328.13 941.64 747.86
EBITDA Margin 2961.12 1400.61 992.47 785.36
Net Profit Margin 454.99 503.05 628.73 549.31
Breakdown 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
ROA 0.27 0.26 0.62 0.47 0.23 0.74 0.46 0.15 1.15 0.77 0.38 1.39 0.92
ROE 3.18 3.16 7.39 6.08 2.97 11.59 6.31 2.01 17.79 9.89 4.02 12.22 8.21
Gross Margin -7.22 74.31 83.92 -18.97 -78.37 -232.39 90.28 87.42 63.08 93.19 89.66
Operating Margin 1513.07 1394.92 1318.33 1264.99 1203.29 863.43 907.85 869.56 828.86 900.38 896.32
EBITDA Margin 1575.30 1452.05 1376.01 1342.53 1288.11 936.84 955.68 917.39 874.99 935.43 931.17
Net Profit Margin 29.57 30.39 439.46 443.88 422.45 491.18 478.97 290.72 650.25 649.54 628.98 665.93 655.88

Dividends

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Dividend Yield
Dividend Payout Ratio
Breakdown 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
Dividend Yield 0.00 0.00
Dividend Payout Ratio 45.77 46.85

Financial Statements

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Assets 5,118,924.00 5,078,350.00 4,082,200.00 4,142,749.00
   Deposits 8,458,607.00 4,177,386.00 6,985,485.00 3,547,235.00
      Cash and Short-Term Investments 106,164.00 132,554.00 96,946.00 141,940.00
            Cash and Cash Equivalents 106,164.00 132,554.00 96,946.00 141,940.00
            Short-Term Investments 0 0 0 0
      Net Receivables 3,268,346.00 3,198,127.00 2,404,750.00 2,331,082.00
      Inventory 0 0 0 0
      Other Current Assets 0 0 0 0
      Property, Plant, Equipment Net 61,974.00 53,164.00 47,582.00 43,920.00
      Goodwill 167,450.00 167,446.00 94,640.00 94,240.00
      Intangible Assets 20,750.00 22,842.00 7,026.00 8,366.00
      Long-Term Investments 306.00 424.00 600.00 0
      Non-Current Deferred Assets 0 0 0 0
      Other Non-Current Assets 0 0 0 0
Liabilities 4,712,896.00 4,673,935.00 3,789,905.00 3,670,317.00
      Payables and Expenses 0 0 0 0
            Account Payables 0 0 0 0
            Current Accrued Liabilities 0 0 0 0
      Short-Term Debt 305,000.00 355,000.00 95,000.00 0
      Other Current Liabilities 0 0 0 0
      Long-Term Debt 0 0 0 0
      Other Non-Current Liabilities 0 0 0 0
Equity 406,028.00 404,415.00 292,295.00 472,432.00
   Shareholders Equity 406,028.00 404,415.00 292,295.00 472,432.00
      Capital Stock 366,059.00 365,305.00 305,340.00 306,123.00
      Share Premium 0 0 0 0
      Retained Earnings 257,173.00 236,757.00 212,375.00 173,896.00
      Treasury Shares 23,939.00 25,093.00 14,930.00 16,882.00
      Accumulated Other Comprehensive Income -193,265.00 -172,554.00 -210,490.00 9,295.00
   Minority Interest 0 0 0 0
Investments 4,580,304.00 1,335,012.00 1,301,469.00 1,458,136.00
Debt 391,150.00 443,663.00 183,211.00 87,758.00
Net Debt 284,986.00 311,109.00 86,265.00 0
Common Shares Outstanding 37,585.61 37,502.77 34,055.12 33,898.24
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Revenues 10,099.00 10,108.00 9,638.00 9,438.00
Cost Of Revenue 8,244.00 8,718.00 250.00 4,649.00
Interest Income 227,732.00 213,335.00 142,086.00 116,459.00
Interest Expense 99,364.00 75,549.00 17,920.00 8,469.00
Net Interest 128,368.00 137,786.00 124,166.00 107,990.00
Non-Interest Income 125,148.00 125,583.00 132,606.00 114,579.00
Non-Interest Expense 106,691.00 111,796.00 94,411.00 79,176.00
Provisions for Credit Losses 8,244.00 9,153.00 1,122.00 5,366.00
Gross Profit 1,855.00 1,390.00 9,388.00 4,789.00
Operating Expenses 214,021.00 0 0 0
   Selling, General and Administrative Expenses 21,408.00 21,578.00 19,440.00 14,536.00
   Other Operating Expenses 192,613.00 0 0 0
Operating Income -212,166.00 0 0 0
EBT 193,279.00 58,698.00 72,835.00 62,114.00
Income Tax 8,003.00 15,908.00 23,131.00 19,929.00
Net Income 45,949.00 50,848.00 60,597.00 51,844.00
EBIT 292,643.00 134,247.00 90,755.00 70,583.00
Deprecation and Amortization 6,401.00 7,327.00 4,899.00 3,539.00
EBITDA 299,044.00 141,574.00 95,654.00 74,122.00
EPS 0.00 0.00 0.00 0.00
Diluted EPS 0.00 0.00 0.00 0.00
Average Shares Outstanding Basic 37,327.85 37,384.12 33,844.94 29,167.36
Average Shares Outstanding Diluted 37,511.89 37,498.27 33,928.94 29,279.79
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Operating Cash Flow 66,615.00 62,306.00 83,685.00 54,933.00
   Operating Net Income 45,949.00 49,932.00 60,597.00 51,844.00
   Deprecation and Amortization 6,401.00 7,327.00 4,899.00 3,539.00
   Deferred Income Tax 2,389.00 -464.00 1,353.00 -524.00
   Share Based Compensation 2,643.00 2,612.00 1,817.00 1,193.00
   Change in Working Capital -4,365.00 3,860.00 -10,065.00 8,081.00
   Other Operating Activities 13,598.00 -961.00 25,084.00 -9,200.00
Investing Cash Flow -95,125.00 77,936.00 -208,453.00 -423,613.00
   Capital Expenditure 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 12,023.00 4,413.00 6,904.00 1,412.00
   Net Purchase/Sale of Investments Net 225,222.00 180,602.00 357,837.00 961,690.00
   Net Purchase/Sale of Business 600.00 13,175.00 1,033.00 -83,773.00
   Net Loan & Lease Activity 70,293.00 61,919.00 77,198.00 -231,479.00
   Other Investing Activities -403,263.00 -182,173.00 -651,425.00 -1,071,463.00
Financing Cash Flow 10,590.00 -112,135.00 87,529.00 226,849.00
   Net Issuance/Repayment of Debt -50,000.00 185,000.00 95,000.00 133,962.00
   Net Issuance/Repurchase of Equity 0 11,544.00 0 164.00
   Dividends Paid 25,388.00 25,396.00 22,004.00 14,072.00
   Other Financing Activities 35,202.00 -334,075.00 -29,475.00 78,651.00
Net Change in Cash -17,920.00 28,107.00 -37,239.00 -141,831.00
   Cash at Beginning of Period 103,658.00 75,551.00 112,790.00 0
   Cash at End of Period 85,738.00 103,658.00 75,551.00 0
Free Cash Flow 0 0 0 0
Breakdown 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
Assets 5,178,428.00 5,157,040.00 5,118,924.00 5,236,503.00 5,156,853.00 5,080,010.00 5,078,350.00 4,971,163.00 5,073,454.00 5,109,886.00 4,082,200.00 4,120,022.00 4,114,364.00 4,205,855.00 4,142,749.00 3,317,047.00 3,260,058.00
   Deposits 0 0 8,458,607.00 8,648,742.00 4,205,835.00 4,198,125.00 4,177,386.00 8,769,043.00 8,520,361.00 8,710,151.00 6,985,485.00 7,091,843.00 7,196,080.00 7,347,622.00 3,547,235.00 2,866,413.00 2,778,823.00
      Cash and Short-Term Investments 0 0 106,164.00 210,285.00 204,788.00 171,595.00 132,554.00 119,264.00 145,863.00 158,510.00 96,946.00 100,795.00 86,559.00 166,851.00 141,940.00 106,741.00 180,198.00
            Cash and Cash Equivalents 20,100.00 18,464.00 106,164.00 210,285.00 204,788.00 171,595.00 132,554.00 119,264.00 145,863.00 158,510.00 96,946.00 100,795.00 86,559.00 166,851.00 141,940.00 106,741.00 173,540.00
            Short-Term Investments 665,872.00 667,694.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6,658.00
      Net Receivables 0 0 3,268,346.00 3,280,517.00 3,237,369.00 3,181,318.00 3,198,127.00 3,168,554.00 3,155,200.00 3,152,339.00 2,404,750.00 2,399,981.00 2,374,485.00 2,304,971.00 2,331,082.00 1,894,216.00 1,274,717.00
      Inventory 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
      Property, Plant, Equipment Net 55,788.00 54,991.00 61,974.00 57,095.00 54,151.00 54,109.00 53,164.00 53,844.00 53,696.00 63,665.00 47,582.00 47,827.00 43,130.00 43,205.00 43,920.00 29,290.00 29,357.00
      Goodwill 167,450.00 167,450.00 167,450.00 167,446.00 167,446.00 167,446.00 167,446.00 167,907.00 167,907.00 167,907.00 94,640.00 94,640.00 94,240.00 94,240.00 94,240.00 45,775.00 45,775.00
      Intangible Assets 19,281.00 20,016.00 20,750.00 20,894.00 21,524.00 22,153.00 22,842.00 23,419.00 24,144.00 25,366.00 7,026.00 7,728.00 7,527.00 7,947.00 8,366.00 2,895.00 3,210.00
      Long-Term Investments 1,351,603.00 1,353,274.00 306.00 0 0 0 424.00 0 0 0 600.00 0 0 0 0 9,600.00 9,500.00
      Non-Current Deferred Assets 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
Liabilities 4,740,680.00 4,727,906.00 4,712,896.00 4,796,825.00 4,760,159.00 4,682,984.00 4,673,935.00 4,655,181.00 4,706,463.00 4,735,244.00 3,789,905.00 3,854,403.00 3,792,915.00 3,811,969.00 3,670,317.00 2,939,523.00 2,893,150.00
      Payables and Expenses 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
            Current Accrued Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Short-Term Debt 203,000.00 102,000.00 305,000.00 285,000.00 406,000.00 345,000.00 355,000.00 0 300,000.00 204,000.00 95,000.00 155,000.00 50,000.00 0 0 0 3,828.00
      Other Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Long-Term Debt 86,428.00 86,275.00 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
Equity 437,748.00 429,134.00 406,028.00 439,678.00 396,694.00 397,026.00 404,415.00 315,982.00 366,991.00 374,642.00 292,295.00 265,619.00 321,449.00 393,886.00 472,432.00 377,524.00 366,908.00
   Shareholders Equity 437,748.00 429,134.00 406,028.00 439,678.00 396,694.00 397,026.00 404,415.00 315,982.00 366,991.00 374,642.00 292,295.00 265,619.00 321,449.00 393,886.00 472,432.00 377,524.00 366,908.00
      Capital Stock 365,790.00 365,645.00 366,059.00 365,542.00 364,985.00 364,843.00 365,305.00 364,929.00 364,644.00 364,318.00 305,340.00 304,838.00 304,707.00 304,670.00 306,123.00 208,539.00 208,312.00
      Share Premium 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Retained Earnings 271,869.00 264,356.00 257,173.00 249,171.00 247,023.00 241,628.00 236,757.00 228,553.00 221,612.00 213,013.00 212,375.00 204,808.00 194,809.00 184,302.00 173,896.00 172,939.00 160,042.00
      Treasury Shares 23,173.00 23,566.00 23,939.00 24,084.00 24,081.00 24,491.00 25,093.00 25,287.00 25,737.00 25,995.00 14,930.00 14,865.00 15,247.00 15,586.00 16,882.00 18,214.00 18,250.00
      Accumulated Other Comprehensive Income -176,738.00 -177,301.00 -193,265.00 -150,951.00 -191,233.00 -184,954.00 -172,554.00 -252,213.00 -193,528.00 -176,694.00 -210,490.00 -229,162.00 -162,820.00 -79,500.00 9,295.00 14,260.00 16,804.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 4,580,304.00 4,607,484.00 4,521,693.00 1,304,768.00 1,335,012.00 1,246,078.00 1,361,853.00 1,395,119.00 1,301,469.00 1,329,532.00 1,396,133.00 1,497,645.00 1,458,136.00 1,202,402.00 1,002,929.00
Debt 289,428.00 188,275.00 391,150.00 371,038.00 494,890.00 433,777.00 443,663.00 88,550.00 388,437.00 292,324.00 183,211.00 243,098.00 137,985.00 87,872.00 87,758.00 49,649.00 78,369.00
Net Debt 269,328.00 169,811.00 284,986.00 160,753.00 290,102.00 262,182.00 311,109.00 0 242,574.00 133,814.00 86,265.00 142,303.00 51,426.00 0 0 0 0
Common Shares Outstanding 37,641.67 37,614.63 37,585.61 37,573.65 37,574.78 37,545.86 37,502.77 37,489.48 37,457.25 37,439.39 34,055.12 34,059.66 34,032.16 34,007.68 33,898.24 28,321.58 28,321.89
Breakdown 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
Revenues 47,043.00 44,676.00 -5,523.00 7,398.00 5,431.00 2,793.00 -4,767.00 7,453.00 4,835.00 2,587.00 -5,041.00 7,265.00 4,895.00 2,519.00 6,929.00 4,594.00
Cost Of Revenue 0 0 -1,532.00 7,932.00 1,395.00 449.00 -17,372.00 8,867.00 8,624.00 8,599.00 -2,002.00 706.00 616.00 930.00 472.00 475.00
Interest Income 57,240.00 56,764.00 -109,045.00 169,823.00 111,900.00 55,054.00 -100,201.00 158,266.00 104,037.00 51,233.00 -62,733.00 103,975.00 67,565.00 33,279.00 84,774.00 56,399.00
Interest Expense 22,781.00 23,110.00 -46,344.00 74,194.00 48,147.00 23,367.00 -25,233.00 53,310.00 32,849.00 14,623.00 2,030.00 9,241.00 4,612.00 2,037.00 6,483.00 4,642.00
Net Interest 0 0 -62,701.00 95,629.00 63,753.00 31,687.00 -74,968.00 104,956.00 71,188.00 36,610.00 -64,763.00 94,734.00 62,953.00 31,242.00 78,291.00 51,757.00
Non-Interest Income 0 0 -44,718.00 90,906.00 53,889.00 25,071.00 -54,429.00 89,115.00 59,622.00 31,275.00 -110,019.00 108,006.00 81,525.00 53,094.00 86,118.00 61,365.00
Non-Interest Expense 26,440.00 27,791.00 -54,307.00 80,517.00 53,442.00 27,039.00 -60,858.00 84,824.00 57,108.00 30,722.00 -61,278.00 73,316.00 51,917.00 30,456.00 51,566.00 35,202.00
Provisions for Credit Losses 0 0 -634.00 7,932.00 1,395.00 -449.00 -16,937.00 8,867.00 8,624.00 8,599.00 730.00 706.00 616.00 -930.00 0 0
Gross Profit 0 0 -3,991.00 -534.00 4,036.00 2,344.00 12,605.00 -1,414.00 -3,789.00 -6,012.00 -3,039.00 6,559.00 4,279.00 1,589.00 6,457.00 4,119.00
Operating Expenses 0 0 214,021.00 0 0 0 0 0 0 0 0 0 0 0 0 0
   Selling, General and Administrative Expenses 15,176.00 17,884.00 -11,232.00 16,356.00 10,869.00 5,415.00 -10,997.00 16,264.00 10,919.00 5,392.00 -12,711.00 15,276.00 10,668.00 6,207.00 10,200.00 6,784.00
   Other Operating Expenses 0 0 192,613.00 0 0 0 0 0 0 0 0 0 0 0 0 0
Operating Income 0 0 -212,166.00 0 0 0 0 0 0 0 0 0 0 0 0 0
EBT 16,320.00 16,354.00 114,471.00 37,743.00 27,611.00 13,454.00 -15,316.00 40,970.00 25,330.00 7,714.00 -40,674.00 56,714.00 37,953.00 18,842.00 55,904.00 36,535.00
Income Tax 2,410.00 2,776.00 -4,984.00 6,185.00 4,588.00 2,214.00 6,366.00 5,614.00 3,289.00 639.00 4,502.00 9,473.00 6,158.00 2,998.00 9,762.00 6,404.00
Net Income Including Non-Controlling Interests 13,910.00 13,578.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Income 13,910.00 13,578.00 -22,468.00 32,511.00 24,107.00 11,799.00 -16,439.00 36,608.00 23,158.00 7,521.00 -34,283.00 47,241.00 31,795.00 15,844.00 46,142.00 30,131.00
EBIT 0 0 68,127.00 111,937.00 75,758.00 36,821.00 -40,549.00 94,280.00 58,179.00 22,337.00 -38,644.00 65,955.00 42,565.00 20,879.00 62,387.00 41,177.00
Deprecation and Amortization 1,736.00 1,613.00 -2,917.00 4,604.00 3,103.00 1,611.00 -4,452.00 5,779.00 4,101.00 1,899.00 -2,079.00 3,475.00 2,341.00 1,162.00 2,429.00 1,601.00
EBITDA 0 0 65,210.00 116,541.00 78,861.00 38,432.00 -45,001.00 100,059.00 62,280.00 24,236.00 -40,723.00 69,430.00 44,906.00 22,041.00 64,816.00 42,778.00
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
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
Average Shares Outstanding Basic 37,594.60 37,716.67 37,354.66 37,352.87 37,325.65 37,278.21 36,755.03 37,430.78 37,527.05 37,823.63 33,857.25 33,851.60 33,850.45 33,820.49 28,246.21 28,244.88
Average Shares Outstanding Diluted 37,622.00 37,716.67 37,514.20 37,566.96 37,487.13 37,479.25 36,902.80 37,533.21 37,623.87 37,933.20 33,919.59 33,931.88 33,927.35 33,936.94 28,360.56 28,352.79
Breakdown 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
Operating Cash Flow 14,018.00 15,670.00 -29,563.00 53,373.00 29,642.00 13,163.00 -28,715.00 48,450.00 28,875.00 13,696.00 -31,870.00 62,123.00 40,233.00 13,199.00 39,957.00 23,447.00
   Operating Net Income 13,910.00 13,578.00 -19,872.00 31,558.00 23,023.00 11,240.00 -14,540.00 35,356.00 22,041.00 7,075.00 -34,283.00 47,241.00 31,795.00 15,844.00 46,142.00 30,131.00
   Deprecation and Amortization 1,736.00 1,613.00 -2,917.00 4,604.00 3,103.00 1,611.00 -4,452.00 5,779.00 4,101.00 1,899.00 -2,079.00 3,475.00 2,341.00 1,162.00 2,429.00 1,601.00
   Deferred Income Tax 0 0 2,389.00 0 0 0 -464.00 0 0 0 1,353.00 0 0 0 0 0
   Share Based Compensation 645.00 642.00 -1,263.00 1,956.00 1,288.00 662.00 -1,275.00 2,008.00 1,264.00 615.00 -667.00 1,316.00 803.00 365.00 865.00 587.00
   Change in Working Capital -3,553.00 -2,800.00 1,946.00 -7,318.00 -810.00 1,817.00 -10,937.00 2,012.00 7,935.00 4,850.00 -12,096.00 -4,387.00 -1,309.00 7,727.00 11,409.00 12,496.00
   Other Operating Activities 1,280.00 2,637.00 -9,846.00 22,573.00 3,038.00 -2,167.00 2,953.00 3,295.00 -6,466.00 -743.00 15,902.00 14,478.00 6,603.00 -11,899.00 -20,888.00 -21,368.00
Investing Cash Flow -46,159.00 7,417.00 -42,689.00 -60,773.00 -19,074.00 27,411.00 -155,394.00 96,461.00 72,747.00 64,122.00 379,707.00 -253,600.00 -205,037.00 -129,523.00 -431,348.00 -289,640.00
   Capital Expenditure 0 0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE -1,307.00 -3,487.00 12,023.00 0 0 0 4,413.00 0 0 0 -2,226.00 5,824.00 2,939.00 367.00 460.00 122.00
   Net Purchase/Sale of Investments Net 7,079.00 2,962.00 -163,293.00 161,643.00 122,171.00 104,701.00 -186,698.00 156,902.00 114,553.00 95,845.00 -392,555.00 306,809.00 248,434.00 195,149.00 788,873.00 529,284.00
   Net Purchase/Sale of Business 0 0 600.00 0 0 0 -26,350.00 13,175.00 13,175.00 13,175.00 0.00 1,033.00 0 0 0 0
   Net Loan & Lease Activity 70,293.00 61,919.00 77,198.00 -231,479.00
   Other Investing Activities 0 0 134,242.00 -302,662.00 -173,530.00 -61,313.00 32,491.00 -97,853.00 -65,417.00 -51,394.00 790,494.00 -638,975.00 -502,003.00 -300,941.00 -1,035,388.00 -698,710.00
Financing Cash Flow 9,625.00 4,431.00 -153,447.00 92,878.00 66,761.00 4,398.00 100,882.00 -126,539.00 -61,110.00 -25,368.00 -329,772.00 158,668.00 117,472.00 141,161.00 216,578.00 160,929.00
   Net Issuance/Repayment of Debt 101,000.00 -203,000.00 -21,000.00 -70,000.00 51,000.00 -10,000.00 191,000.00 -170,000.00 130,000.00 34,000.00 -110,000.00 155,000.00 50,000.00 0 24,459.00 3,287.00
   Net Issuance/Repurchase of Equity 0 0 0 0 0 0 -23,088.00 11,544.00 11,544.00 11,544.00 0 0 0 0 116.00 116.00
   Dividends Paid -6,366.00 -6,361.00 -12,679.00 19,038.00 12,688.00 6,341.00 -12,804.00 19,064.00 12,733.00 6,403.00 -10,490.00 16,248.00 10,831.00 5,415.00 9,340.00 6,227.00
   Other Financing Activities 0 0 -119,768.00 143,840.00 3,073.00 8,057.00 -54,226.00 12,853.00 -215,387.00 -77,315.00 -209,282.00 -12,580.00 56,641.00 135,746.00 182,663.00 151,299.00
Net Change in Cash -22,516.00 27,518.00 -225,699.00 85,478.00 77,329.00 44,972.00 -83,227.00 18,372.00 40,512.00 52,450.00 18,065.00 -32,809.00 -47,332.00 24,837.00 -174,813.00 -105,264.00
   Cash at Beginning of Period 113,256.00 85,738.00 311,437.00 103,658.00 103,658.00 103,658.00 186,885.00 75,551.00 75,551.00 75,551.00 57,486.00 112,790.00 112,790.00 112,790.00 0 0
   Cash at End of Period 90,740.00 113,256.00 85,738.00 189,136.00 180,987.00 148,630.00 103,658.00 93,923.00 116,063.00 128,001.00 75,551.00 79,981.00 65,458.00 137,627.00 0 0
Free Cash Flow 12,424.00 12,172.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0