FRAF - Franklin Financial Services Corporation

FRAF

Valuation Ratios

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Price to Earnings	11.87	10.14	10.68	7.45
Price to Sales
Book Value Per Common Share	90.04	90.73	78.03	106.09	99.95
Price to Book	0.33	0.35	0.46	0.31
Price to Operating Cash Flow	5.18	4.64	5.57	5.21
Price to Free Cash Flow
Enterprise Value to EBITDA	20816.46	30900.01	57362.34	49433.77

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	13.49	15.67	40.28		12.50	19.78	34.03		12.34	19.40	39.52		12.47	20.38	49.60		8.80	13.95	28.35
Price to Sales
Book Value Per Common Share	68.53	63.55	60.82	90.04	33.93	31.01	30.55	90.73	26.31	27.53	28.07	78.03	24.60	27.54	30.77	106.09	34.49	68.51	62.67	99.95
Price to Book	0.67	0.54	0.58	0.33	0.89	0.91	0.86	0.35	1.08	1.01	1.06	0.46	1.28	1.10	1.10	0.31	0.92	0.47	0.50
Price to Operating Cash Flow	9.25	11.06	17.82		7.58	13.23	15.70		6.04	9.09	16.88		7.88	14.45	33.73		5.91	11.69	13.12
Price to Free Cash Flow
Enterprise Value to EBITDA	37660.90	42950.39	93972.65		28620.48	42322.44	77880.36		43285.98	70537.62	168624.22		83330.37	138443.49	340169.59		64287.59	100088.02	202750.53

Earnings Data

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Earning YoY	-18.97	-7.99	-23.87	51.02
Revenue YoY
EBITDA YoY	42.44	61.55	-7.07	26.61
Net Profit YoY	-18.38	-8.97	-23.85	53.25

Breakdown	2025-09-30	2025-06-30	2024-09-30	2024-06-30	2023-09-30	2023-06-30	2022-09-30	2022-06-30	2021-09-30	2021-06-30
Earning YoY	54.30	151.14	68.53	85.71	61.54	90.67	70.95	117.65	57.64	108.18
Revenue YoY
EBITDA YoY	51.86	114.36	57.77	99.47	67.87	121.06	72.80	117.99	55.08	108.34
Net Profit YoY	54.47	150.61	65.97	90.24	61.57	90.40	70.27	118.79	58.03	109.13

Financial Strength

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Cash Per Common Share	52.94	12.34	22.06	46.31	21.92
Quick Ratio
Current Ratio
Debt to Equity	0.83	6.52	7.03	5.21	4.85
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	47.57	52.73	55.96	52.65	59.96	44.09	46.94	12.35	21.76	19.11	24.05	22.21	53.19	49.03	43.50	46.09	27.31	26.23	28.68	21.75
Quick Ratio
Current Ratio
Debt to Equity	0.87	0.87	0.87	0.83	13.35	13.90	13.99	6.52	14.93	13.50	12.85	7.03	16.08	14.04	11.89	5.21	10.34	10.10	10.35	4.85
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	0.68	0.81	1.01	0.75
ROE	0.45	5.15	6.54	6.24	4.41
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

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	0.33	0.21	0.09	0.49	0.31	0.17	0.55	0.36	0.19	0.61	0.36	0.17	0.92	0.60	0.30
ROE	0.62	0.40	0.16	7.08	4.67	2.50	8.82	5.23	2.66	10.38	5.41	2.20	10.44	6.68	3.43
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin

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	4,558,178.00	1,987,838.00	1,833,411.00	1,950,462.00	1,699,769.00
Deposits	3,947,199.00	3,208,402.00	3,160,286.00	3,242,971.00	2,785,311.00
Cash and Short-Term Investments	233,096.00	53,996.00	97,515.00	204,692.00	95,487.00
Cash and Cash Equivalents	232,598.00	52,715.00	96,282.00	203,249.00	94,314.00
Short-Term Investments	498.00	1,281.00	1,233.00	1,443.00	1,173.00
Net Receivables	266.00	0	678,523.00	15,066.00	16,789.00
Inventory	0	0	0	0	0
Other Current Assets	0	0	0	0	0
Property, Plant, Equipment Net	33,145.00	33,223.00	36,036.00	23,949.00	18,377.00
Goodwill	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00
Intangible Assets	0	0	0	0	0
Long-Term Investments	0	0	0	0	0
Non-Current Deferred Assets	10,831.00	11,801.00	15,630.00	3,314.00	2,401.00
Other Non-Current Assets	0	0	0	0	0
Liabilities	2,072,826.00	1,723,566.00	1,605,017.00	1,636,332.00	1,409,417.00
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	130,000.00	15,000.00	15,000.00	15,000.00
Other Current Liabilities	0	0	0	0	0
Long-Term Debt	0	5,000.00	5,000.00	5,000.00	5,000.00
Other Non-Current Liabilities	0	0	0	0	0
Equity	2,485,352.00	264,272.00	228,394.00	314,130.00	290,352.00
Shareholders Equity	398,640.00	396,604.00	342,591.00	471,195.00	438,718.00
Capital Stock	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00
Share Premium	43,791.00	43,646.00	43,535.00	43,085.00	42,589.00
Retained Earnings	139,463.00	133,993.00	125,892.00	116,612.00	102,520.00
Treasury Shares	7,741.00	9,274.00	8,654.00	6,796.00	7,834.00
Accumulated Other Comprehensive Income	-35,508.00	-81,880.00	-153,861.00	-1,641.00	3,190.00
Minority Interest	0	0	0	0	0
Investments	2,376,227.00	2,334,600.00	2,157,477.00	2,120,687.00	398,113.00
Debt	4,263.00	214,477.00	85,767.00	24,445.00	24,887.00
Net Debt	0	160,481.00	0	0	0
Common Shares Outstanding	4,427.36	4,371.23	4,390.40	4,441.44	4,389.35

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Net Premiums	0	0	0	295.00	840.00
Cost Of Revenue	1,983.00	135.00	0	0	0
Interest Income	101,451.00	76,762.00	56,449.00	47,573.00	45,939.00
Interest Expense	44,987.00	24,176.00	5,910.00	3,950.00	4,405.00
Net Interest	57,514.00	53,637.00	51,586.00	44,671.00	41,961.00
Non-Interest Income	13,679.00	14,851.00	15,250.00	19,488.00	15,084.00
Non-Interest Expense	55,895.00	50,011.00	48,691.00	43,245.00	39,362.00
Provisions for Credit Losses	1,983.00	0	0	0	0
Selling, General and Administrative Expenses	14,108.00	9,920.00	9,730.00	8,550.00	8,332.00
EBT	16,505.00	18,445.00	20,283.00	24,579.00	17,747.00
Income Tax	1,648.00	1,261.00	1,957.00	2,881.00	151.00
Net Income	11,099.00	13,598.00	14,938.00	19,616.00	12,800.00
EBIT	61,492.00	42,621.00	26,193.00	28,529.00	22,152.00
Deprecation and Amortization	2,090.00	2,016.00	1,437.00	1,202.00	1,330.00
EBITDA	63,582.00	44,637.00	27,630.00	29,731.00	23,482.00
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	4,403.00	4,374.00	4,421.00	4,420.00	4,357.00
Average Shares Outstanding Diluted	4,414.00	4,381.00	4,445.00	4,440.00	4,366.00

Breakdown	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31
Operating Cash Flow	25,407.00	29,722.00	28,635.00	28,071.00	11,364.00
Operating Net Income	33,297.00	40,794.00	44,814.00	58,848.00	38,400.00
Deprecation and Amortization	2,090.00	2,016.00	1,437.00	1,202.00	1,330.00
Deferred Income Tax	-473.00	1,140.00	1,172.00	90.00	-839.00
Share Based Compensation	634.00	483.00	462.00	204.00	197.00
Change in Working Capital	-4.00	4,448.00	1,713.00	-1,041.00	2,828.00
Other Operating Activities	-10,137.00	-19,159.00	-20,963.00	-31,232.00	-30,552.00
Investing Cash Flow	-184,366.00	-178,267.00	-95,055.00	-133,938.00	-277,314.00
Capital Expenditure	0.00	0.00	0.00	0.00	0.00
Net Purchase/Sale of PPE	2,567.00	499.00	12,218.00	8,807.00	484.00
Net Purchase/Sale of Investments Net	178,681.00	90,365.00	106,841.00	252,261.00	3,141.00
Net Purchase/Sale of Business	0	0	0	0	0
Net Loan & Lease Activity	141,652.00	205,939.00	48,866.00	-12,547.00	77,429.00
Other Investing Activities	-507,266.00	-475,070.00	-262,980.00	-382,459.00	-358,368.00
Financing Cash Flow	338,499.00	103,356.00	-47,967.00	221,398.00	259,213.00
Net Issuance/Repayment of Debt	200,000.00	130,000.00	0	0	19,541.00
Net Issuance/Repurchase of Equity	1,898.00	4,882.00	6,764.00	2,656.00	4,250.00
Dividends Paid	5,629.00	5,595.00	5,658.00	5,524.00	5,226.00
Other Financing Activities	130,972.00	-37,121.00	-60,389.00	213,218.00	230,196.00
Net Change in Cash	179,540.00	-45,189.00	-114,387.00	115,531.00	-6,737.00
Cash at Beginning of Period	24,073.00	68,329.00	179,286.00	0	0
Cash at End of Period	203,613.00	23,140.00	64,899.00	0	0
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	4,584,212.00	4,573,908.00	4,516,329.00	4,558,178.00	2,151,363.00	2,039,126.00	2,011,614.00	1,987,838.00	1,827,910.00	1,736,165.00	1,711,285.00	1,833,411.00	1,847,162.00	1,832,296.00	1,767,061.00	1,950,462.00	1,732,441.00	1,678,308.00	1,597,559.00	1,699,769.00
Deposits	1,902,895.00	1,893,471.00	1,867,577.00	3,947,199.00	1,723,491.00	1,586,458.00	1,559,312.00	3,208,402.00	1,567,414.00	1,513,135.00	1,502,110.00	3,160,286.00	1,704,983.00	1,679,187.00	1,596,386.00	3,242,971.00	1,544,295.00	1,491,208.00	1,421,042.00	2,785,311.00
Cash and Short-Term Investments	212,818.00	235,216.00	248,233.00	233,096.00	264,560.00	200,831.00	205,507.00	53,996.00	95,224.00	83,833.00	105,678.00	97,515.00	235,735.00	218,164.00	193,394.00	204,692.00	121,262.00	116,076.00	126,071.00	95,487.00
Cash and Cash Equivalents	212,818.00	235,216.00	248,233.00	232,598.00	262,595.00	199,775.00	204,349.00	52,715.00	94,066.00	82,693.00	104,517.00	96,282.00	234,430.00	216,679.00	191,918.00	203,249.00	119,370.00	114,630.00	124,739.00	94,314.00
Short-Term Investments	0	0	0	498.00	1,965.00	1,056.00	1,158.00	1,281.00	1,158.00	1,140.00	1,161.00	1,233.00	1,305.00	1,485.00	1,476.00	1,443.00	1,892.00	1,446.00	1,332.00	1,173.00
Net Receivables	0	0	0	266.00	0	0	0	0	736,892.00	697,246.00	676,906.00	678,523.00	696,069.00	687,578.00	15,050.00	15,066.00	15,366.00	15,055.00	16,136.00	16,789.00
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	32,166.00	32,381.00	32,855.00	33,145.00	33,413.00	33,354.00	33,433.00	33,223.00	33,856.00	34,261.00	35,509.00	36,036.00	35,368.00	32,169.00	27,856.00	23,949.00	22,955.00	16,206.00	18,124.00	18,377.00
Goodwill	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00	9,016.00
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
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	8,252.00	9,575.00	9,860.00	10,831.00	9,135.00	11,789.00	11,880.00	11,801.00	14,877.00	14,730.00	13,676.00	15,630.00	17,816.00	13,534.00	9,135.00	3,314.00	3,632.00	6,231.00	6,135.00	2,401.00
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	2,130,734.00	2,129,381.00	2,106,087.00	2,072,826.00	2,001,435.00	1,902,317.00	1,877,377.00	1,723,566.00	1,713,141.00	1,616,395.00	1,587,702.00	1,605,017.00	1,739,011.00	1,710,499.00	1,629,925.00	1,636,332.00	1,579,603.00	1,527,152.00	1,456,860.00	1,409,417.00
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	130,000.00	110,000.00	70,000.00	50,000.00	15,000.00	0	0	0	15,000.00	0	0	0	15,000.00
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	5,000.00	0	0	0	5,000.00	0	0	0	5,000.00	0	0	0	5,000.00
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	2,453,478.00	2,444,527.00	2,410,242.00	2,485,352.00	149,928.00	136,809.00	134,237.00	264,272.00	114,769.00	119,770.00	123,583.00	228,394.00	108,151.00	121,797.00	137,136.00	314,130.00	152,838.00	151,156.00	140,699.00	290,352.00
Shareholders Equity	306,880.00	283,944.00	270,926.00	398,640.00	149,928.00	136,809.00	134,237.00	396,604.00	114,769.00	119,770.00	123,583.00	342,591.00	108,151.00	121,797.00	137,136.00	471,195.00	152,838.00	303,156.00	276,232.00	438,718.00
Capital Stock	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00	4,711.00
Share Premium	43,750.00	43,763.00	43,607.00	43,791.00	43,697.00	43,547.00	43,459.00	43,646.00	43,512.00	43,422.00	43,356.00	43,535.00	43,377.00	43,248.00	43,077.00	43,085.00	42,949.00	42,774.00	42,513.00	42,589.00
Retained Earnings	150,279.00	146,403.00	141,967.00	139,463.00	140,388.00	137,581.00	135,955.00	133,993.00	131,919.00	129,452.00	127,877.00	125,892.00	123,579.00	120,354.00	118,203.00	116,612.00	114,378.00	109,930.00	106,032.00	102,520.00
Treasury Shares	6,591.00	6,729.00	7,038.00	7,741.00	7,983.00	8,149.00	8,654.00	9,274.00	9,539.00	9,854.00	8,365.00	8,654.00	8,415.00	7,526.00	6,411.00	6,796.00	7,027.00	7,103.00	7,391.00	7,834.00
Accumulated Other Comprehensive Income	-25,806.00	-30,784.00	-31,856.00	-35,508.00	-61,770.00	-81,762.00	-82,468.00	-81,880.00	-111,668.00	-95,922.00	-87,992.00	-153,861.00	-110,202.00	-77,980.00	-44,888.00	-1,641.00	-4,346.00	844.00	-5,166.00	3,190.00
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	2,264,040.00	2,286,536.00	2,188,148.00	2,376,227.00	2,341,436.00	2,281,325.00	2,291,380.00	2,334,600.00	2,256,203.00	2,142,602.00	2,223,096.00	2,157,477.00	2,465,925.00	2,527,825.00	2,500,729.00	2,120,687.00	2,699,922.00	513,693.00	423,510.00	398,113.00
Debt	3,968.00	4,111.00	4,252.00	4,263.00	4,403.00	4,527.00	4,678.00	214,477.00	194,613.00	154,747.00	135,634.00	85,767.00	85,908.00	84,615.00	84,361.00	24,445.00	84,562.00	84,676.00	84,789.00	24,887.00
Net Debt	0	0	0	0	0	0	0	160,481.00	99,389.00	70,914.00	29,956.00	0	0	0	0	0	0	0	0	0
Common Shares Outstanding	4,478.09	4,468.00	4,454.38	4,427.36	4,418.75	4,412.37	4,393.87	4,371.23	4,361.51	4,349.99	4,402.68	4,390.40	4,395.65	4,422.28	4,456.92	4,441.44	4,431.45	4,425.09	4,407.58	4,389.35

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
Net Premiums	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	148.00	147.00	0	0
Cost Of Revenue	2,611.00	1,414.00	779.00	-950.00	1,483.00	998.00	452.00	-6,855.00	3,872.00	2,122.00	996.00	0	0	0	0	0	0	0	0
Interest Income	85,333.00	55,658.00	27,058.00	-45,493.00	74,594.00	48,541.00	23,809.00	-30,162.00	55,247.00	35,094.00	16,583.00	-18,948.00	39,454.00	24,409.00	11,534.00	-22,594.00	35,440.00	23,135.00	11,592.00
Interest Expense	34,297.00	22,815.00	11,452.00	-18,221.00	32,176.00	20,776.00	10,256.00	-4,141.00	15,509.00	9,062.00	3,746.00	1,223.00	2,471.00	1,490.00	726.00	-444.00	2,178.00	1,468.00	748.00
Net Interest	51,036.00	32,843.00	15,606.00	-26,222.00	42,418.00	27,765.00	13,553.00	-24,970.00	39,738.00	26,032.00	12,837.00	-19,124.00	36,983.00	22,919.00	10,808.00	-21,102.00	33,262.00	21,667.00	10,844.00
Non-Interest Income	14,475.00	9,664.00	4,562.00	-12,439.00	13,392.00	8,538.00	4,188.00	-5,894.00	10,766.00	6,754.00	3,225.00	-8,249.00	11,639.00	7,976.00	3,884.00	-8,354.00	14,899.00	8,716.00	4,227.00
Non-Interest Expense	44,114.00	28,965.00	14,577.00	-26,612.00	41,561.00	27,642.00	13,304.00	-23,539.00	36,864.00	24,667.00	12,019.00	-21,367.00	35,496.00	23,296.00	11,266.00	-18,462.00	31,265.00	20,277.00	10,165.00
Provisions for Credit Losses	2,611.00	1,414.00	779.00	-950.00	1,483.00	998.00	452.00	0	1,857.00	991.00	467.00	0	0	0	0	0	0	0	0
Selling, General and Administrative Expenses	10,949.00	7,105.00	3,676.00	-565.00	7,258.00	4,962.00	2,453.00	-4,853.00	7,379.00	4,890.00	2,504.00	-4,250.00	7,174.00	4,585.00	2,221.00	-3,895.00	6,402.00	4,092.00	1,951.00
EBT	18,786.00	12,128.00	4,812.00	-7,909.00	12,766.00	7,663.00	3,985.00	-3,831.00	11,704.00	7,058.00	3,514.00	-3,868.00	13,126.00	7,599.00	3,426.00	-11,929.00	18,796.00	12,006.00	5,706.00
Income Tax	3,603.00	2,299.00	890.00	-2,399.00	2,154.00	1,269.00	624.00	-1,328.00	1,577.00	790.00	222.00	-1,371.00	1,905.00	1,009.00	414.00	-2,733.00	2,833.00	1,905.00	876.00
Net Income	15,183.00	9,829.00	3,922.00	-9,268.00	10,612.00	6,394.00	3,361.00	-6,089.00	10,127.00	6,268.00	3,292.00	-5,885.00	11,221.00	6,590.00	3,012.00	-11,278.00	15,963.00	10,101.00	4,830.00
EBIT	53,083.00	34,943.00	16,264.00	-26,130.00	44,942.00	28,439.00	14,241.00	-7,972.00	27,213.00	16,120.00	7,260.00	-2,645.00	15,597.00	9,089.00	4,152.00	-12,373.00	20,974.00	13,474.00	6,454.00
Deprecation and Amortization	1,608.00	1,071.00	537.00	-1,055.00	1,567.00	1,040.00	538.00	-957.00	1,506.00	988.00	479.00	-423.00	1,049.00	544.00	267.00	-694.00	925.00	647.00	324.00
EBITDA	54,691.00	36,014.00	16,801.00	-27,185.00	46,509.00	29,479.00	14,779.00	-8,929.00	28,719.00	17,108.00	7,739.00	-3,068.00	16,646.00	9,633.00	4,419.00	-13,067.00	21,899.00	14,121.00	6,778.00
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	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	4,474.00	4,461.00	4,436.00	4,267.00	4,412.00	4,555.00	4,378.00	4,336.00	4,377.00	4,388.00	4,395.00	4,356.00	4,432.00	4,450.00	4,446.00	4,418.00	4,441.00	4,425.00	4,396.00
Average Shares Outstanding Diluted	4,498.00	4,471.00	4,451.00	4,285.00	4,423.00	4,562.00	4,386.00	4,315.00	4,391.00	4,401.00	4,417.00	4,388.00	4,453.00	4,469.00	4,470.00	4,434.00	4,467.00	4,444.00	4,415.00

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	22,257.00	13,960.00	8,823.00	-9,168.00	17,535.00	9,736.00	7,304.00	-12,022.00	20,642.00	13,385.00	7,717.00	-2,843.00	17,746.00	9,286.00	4,446.00	-18,335.00	23,870.00	12,087.00	10,449.00
Operating Net Income	15,183.00	9,829.00	3,922.00	12,930.00	10,612.00	6,394.00	3,361.00	21,107.00	10,127.00	6,268.00	3,292.00	23,991.00	11,221.00	6,590.00	3,012.00	27,954.00	15,963.00	10,101.00	4,830.00
Deprecation and Amortization	1,608.00	1,071.00	537.00	-1,055.00	1,567.00	1,040.00	538.00	-957.00	1,506.00	988.00	479.00	-423.00	1,049.00	544.00	267.00	-694.00	925.00	647.00	324.00
Deferred Income Tax	0	0	0	-473.00	0	0	0	1,140.00	0	0	0	1,172.00	0	0	0	90.00	0	0	0
Share Based Compensation	633.00	475.00	194.00	-257.00	465.00	296.00	130.00	-271.00	366.00	253.00	135.00	-181.00	352.00	221.00	70.00	-120.00	161.00	115.00	48.00
Change in Working Capital	-2,311.00	-3,016.00	-476.00	2,226.00	-1,230.00	-1,592.00	592.00	2,284.00	1,361.00	-1,159.00	1,962.00	3,382.00	-1,683.00	-1,966.00	1,980.00	744.00	-4,831.00	3,047.00	-1.00
Other Operating Activities	7,144.00	5,601.00	4,646.00	-22,539.00	6,121.00	3,598.00	2,683.00	-35,325.00	7,282.00	7,035.00	1,849.00	-30,784.00	6,807.00	3,897.00	-883.00	-46,309.00	11,652.00	-1,823.00	5,248.00
Investing Cash Flow	-112,083.00	-85,227.00	-38,317.00	-20,170.00	-96,531.00	-49,553.00	-18,112.00	-20,133.00	-132,082.00	-40,767.00	14,715.00	96,532.00	-97,430.00	-77,358.00	-16,799.00	166,098.00	-168,746.00	-105,847.00	-25,443.00
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	882.00	433.00	246.00	-1,929.00	2,184.00	1,451.00	861.00	-319.00	479.00	228.00	111.00	-11,634.00	11,007.00	8,584.00	4,261.00	1,050.00	7,367.00	222.00	168.00
Net Purchase/Sale of Investments Net	161.00	161.00	161.00	147,530.00	19,616.00	8,025.00	3,510.00	-79,716.00	85,536.00	47,365.00	37,180.00	-23,843.00	67,581.00	51,578.00	11,525.00	19,228.00	216,973.00	16,060.00	0
Net Purchase/Sale of Business	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Loan & Lease Activity	141,652.00	205,939.00	48,866.00	-12,547.00	77,429.00
Other Investing Activities	-279,108.00	-206,975.00	-96,859.00	-116,255.00	-227,463.00	-120,448.00	-43,100.00	130,711.00	-373,774.00	-182,777.00	-49,230.00	170,834.00	-225,904.00	-173,347.00	-34,563.00	143,427.00	-399,326.00	-110,388.00	-16,172.00
Financing Cash Flow	74,357.00	75,444.00	50,837.00	-320,316.00	292,173.00	196,404.00	170,238.00	-43,685.00	120,494.00	27,315.00	-768.00	-264,763.00	114,691.00	91,192.00	10,913.00	-165,440.00	186,623.00	134,745.00	65,470.00
Net Issuance/Repayment of Debt	0	0	0	-390,000.00	290,000.00	150,000.00	150,000.00	-420,000.00	290,000.00	210,000.00	50,000.00	0	0	0	0	0	0	0	0
Net Issuance/Repurchase of Equity	973.00	671.00	165.00	770.00	621.00	455.00	52.00	-286.00	2,427.00	2,411.00	330.00	2,539.00	2,707.00	1,485.00	33.00	616.00	1,205.00	815.00	20.00
Dividends Paid	4,367.00	2,889.00	1,418.00	-2,793.00	4,217.00	2,806.00	1,399.00	-2,814.00	4,198.00	2,806.00	1,405.00	-2,865.00	4,254.00	2,848.00	1,421.00	-2,590.00	4,105.00	2,691.00	1,318.00
Other Financing Activities	69,017.00	71,884.00	49,254.00	71,707.00	-2,665.00	43,143.00	18,787.00	379,415.00	-176,131.00	-187,902.00	-52,503.00	-264,437.00	107,730.00	86,859.00	9,459.00	-163,466.00	181,313.00	131,239.00	64,132.00
Net Change in Cash	-15,469.00	4,177.00	21,343.00	-349,654.00	213,177.00	156,587.00	159,430.00	-75,840.00	9,054.00	-67.00	21,664.00	-171,074.00	35,007.00	23,120.00	-1,440.00	-17,677.00	41,747.00	40,985.00	50,476.00
Cash at Beginning of Period	203,613.00	203,613.00	203,613.00	553,267.00	23,140.00	23,140.00	23,140.00	98,980.00	64,899.00	64,899.00	64,899.00	235,973.00	175,149.00	175,149.00	175,149.00	0.00	0	0	0
Cash at End of Period	188,144.00	207,790.00	224,956.00	203,613.00	236,317.00	179,727.00	182,570.00	23,140.00	73,953.00	64,832.00	86,563.00	64,899.00	210,156.00	198,269.00	173,709.00	0	0	0	0
Free Cash Flow	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0