FXNC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 23.01 | 14.12 | 6.37 | 12.30 | 9.29 |
| Price to Sales | 11.29 | 13.31 | 10.64 | 14.15 | 10.94 |
| Book Value Per Common Share | 18.56 | 18.56 | 17.30 | 18.79 | 17.47 |
| Price to Book | 1.24 | 1.17 | 0.99 | 1.22 | 0.97 |
| Price to Operating Cash Flow | -7.21 | 8.31 | 4.00 | 16.22 | 5.46 |
| Price to Free Cash Flow | -6.28 | 9.38 | 4.19 | 18.15 | 5.81 |
| Enterprise Value to EBITDA | 57970.93 | 50165.79 | 42177.68 | 88145.53 | 52122.83 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 36.58 | 34.77 | 124.72 | 48.61 | 31.88 | 25.92 | 35.00 | 34.82 | |||||
| Price to Sales | 9.31 | 7.99 | 61.56 | 7.56 | 40.14 | 41.02 | 52.64 | 42.95 | |||||
| Book Value Per Common Share | 20.11 | 19.30 | 18.77 | 18.56 | 19.87 | 18.77 | 18.56 | 17.80 | 17.30 | 17.05 | 18.79 | 17.65 | 17.47 |
| Price to Book | 1.13 | 1.01 | 1.20 | 1.24 | 0.88 | 0.87 | 1.17 | 0.89 | 0.99 | 1.23 | 1.22 | 0.99 | 0.97 |
| Price to Operating Cash Flow | 24.19 | 37.22 | 57.15 | 17.92 | 21.68 | 21.79 | 15.19 | 16.77 | |||||
| Price to Free Cash Flow | 29.87 | 42.54 | 66.22 | 22.29 | 23.18 | 22.57 | 15.54 | 17.08 | |||||
| Enterprise Value to EBITDA | 206525.18 | 104097.96 | 134826.76 | 257015.10 | 215908.85 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -35.06 | -42.75 | 43.85 | 2.75 | |
| Revenue YoY | 38.52 | 1.68 | 11.64 | 19.73 | |
| EBITDA YoY | 31.18 | 6.72 | 56.61 | 3.10 | |
| Net Profit YoY | -27.62 | -42.70 | 62.15 | 16.95 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 10.71 | 211.11 | -50.00 | -29.41 | -16.39 | 1.67 | 20.00 | ||||||
| Revenue YoY | 0.10 | 568.70 | -77.50 | 473.15 | 5.05 | -2.85 | 26.22 | ||||||
| EBITDA YoY | 33.13 | 44.22 | 30.09 | ||||||||||
| Net Profit YoY | 9.88 | 216.08 | -28.91 | -29.95 | -16.63 | 3.22 | 53.08 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 23.42 | 13.91 | 10.70 | 31.71 | 26.10 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 11.07 | 11.21 | 11.64 | 10.87 | 10.20 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 22.94 | 18.15 | 22.12 | 13.92 | 12.40 | 10.68 | 24.01 | 28.26 | 36.24 | 26.19 | |||
| Quick Ratio | |||||||||||||
| Current Ratio | |||||||||||||
| Debt to Equity | 10.21 | 10.76 | 11.05 | 11.07 | 10.60 | 11.28 | 11.21 | 11.27 | 11.64 | 12.30 | 10.87 | 10.97 | 10.20 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.35 | 0.68 | 1.23 | 0.75 | 0.93 |
| ROE | 4.18 | 8.28 | 15.50 | 8.85 | 10.43 |
| Gross Margin | 44.65 | 39.93 | 81.63 | 92.79 | 60.18 |
| Operating Margin | 225.04 | 255.04 | 244.01 | 169.08 | 189.70 |
| EBITDA Margin | 251.15 | 265.22 | 252.69 | 180.13 | 209.17 |
| Net Profit Margin | 49.12 | 94.00 | 166.82 | 114.86 | 117.59 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.27 | 0.25 | 0.08 | 0.16 | 0.22 | 0.28 | 0.26 | 0.24 | |||||
| ROE | 3.06 | 2.91 | 0.95 | 1.80 | 2.72 | 3.44 | 3.50 | 2.84 | |||||
| Gross Margin | 74.60 | 60.63 | |||||||||||
| Operating Margin | 258.50 | 373.78 | 293.88 | 204.54 | 181.95 | ||||||||
| EBITDA Margin | 298.26 | 385.98 | 304.55 | 205.14 | 199.04 | ||||||||
| Net Profit Margin | 25.32 | 23.06 | 48.79 | 15.44 | 126.34 | 159.18 | 149.82 | 123.53 |
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 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | ||||||||||
| Dividend Payout Ratio | 24.27 | 26.65 | 39.86 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 2,010,281.00 | 1,419,295.00 | 1,369,383.00 | 1,389,437.00 | 950,932.00 |
| Deposits | 1,803,778.00 | 1,233,726.00 | 1,241,332.00 | 1,248,752.00 | 842,461.00 |
| Cash and Short-Term Investments | 162,874.00 | 87,161.00 | 66,914.00 | 176,006.00 | 127,297.00 |
| Cash and Cash Equivalents | 162,874.00 | 87,161.00 | 66,914.00 | 176,006.00 | 127,297.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 1,456,215.00 | 962,111.00 | 4,543.00 | 3,903.00 | 2,962.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 36,827.00 | 22,142.00 | 21,876.00 | 22,403.00 | 19,319.00 |
| Goodwill | 3,030.00 | 3,030.00 | 3,030.00 | 3,030.00 | 0 |
| Intangible Assets | 14,986.00 | 117.00 | 136.00 | 154.00 | 19.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 1,843,750.00 | 1,303,024.00 | 1,261,023.00 | 1,272,398.00 | 866,016.00 |
| 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 | 166,531.00 | 116,271.00 | 108,360.00 | 117,039.00 | 84,916.00 |
| Shareholders Equity | 166,531.00 | 116,271.00 | 108,360.00 | 117,039.00 | 84,916.00 |
| Capital Stock | 11,218.00 | 7,829.00 | 7,831.00 | 7,785.00 | 6,075.00 |
| Share Premium | 77,058.00 | 32,950.00 | 32,716.00 | 31,966.00 | 6,151.00 |
| Retained Earnings | 96,947.00 | 94,198.00 | 90,284.00 | 76,990.00 | 69,292.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -18,692.00 | -18,706.00 | -22,471.00 | 298.00 | 3,398.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 277,329.00 | 303,179.00 | 164,815.00 | 291,308.00 | 142,100.00 |
| Debt | 30,455.00 | 14,276.00 | 14,274.00 | 19,272.00 | 19,270.00 |
| Common Shares Outstanding | 8,974.10 | 6,263.10 | 6,264.91 | 6,228.18 | 4,860.40 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 14,182.00 | 10,238.00 | 10,069.00 | 9,019.00 | 7,533.00 |
| Cost Of Revenue | 7,850.00 | 6,150.00 | 1,850.00 | 650.00 | 3,000.00 |
| Interest Income | 76,319.00 | 57,719.00 | 49,395.00 | 37,144.00 | 32,851.00 |
| Interest Expense | 23,867.00 | 14,306.00 | 3,820.00 | 2,304.00 | 3,383.00 |
| Net Interest | 52,452.00 | 43,413.00 | 45,575.00 | 34,840.00 | 29,468.00 |
| Non-Interest Income | 16,380.00 | 11,784.00 | 12,621.00 | 10,187.00 | 8,225.00 |
| Non-Interest Expense | -52,934.00 | -37,242.00 | -35,597.00 | -32,732.00 | -23,786.00 |
| Provisions for Credit Losses | -7,850.00 | -6,150.00 | -1,850.00 | 650.00 | -3,000.00 |
| Gross Profit | 6,332.00 | 4,088.00 | 8,219.00 | 8,369.00 | 4,533.00 |
| Selling, General and Administrative Expenses | 7,496.00 | 6,334.00 | 5,962.00 | 7,724.00 | 4,326.00 |
| EBT | 8,048.00 | 11,805.00 | 20,749.00 | 12,945.00 | 10,907.00 |
| Income Tax | 1,082.00 | 2,181.00 | 3,952.00 | 2,586.00 | 2,049.00 |
| Net Income | 6,966.00 | 9,624.00 | 16,797.00 | 10,359.00 | 8,858.00 |
| EBIT | 31,915.00 | 26,111.00 | 24,569.00 | 15,249.00 | 14,290.00 |
| Deprecation and Amortization | 3,703.00 | 1,042.00 | 874.00 | 997.00 | 1,467.00 |
| EBITDA | 35,618.00 | 27,153.00 | 25,443.00 | 16,246.00 | 15,757.00 |
| 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 | 6,955.59 | 6,265.39 | 6,252.37 | 5,550.59 | 4,878.14 |
| Average Shares Outstanding Diluted | 6,971.09 | 6,279.10 | 6,259.36 | 5,559.08 | 4,880.27 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | -22,204.00 | 16,390.00 | 26,772.00 | 7,868.00 | 15,091.00 |
| Operating Net Income | 6,966.00 | 9,624.00 | 16,797.00 | 10,359.00 | 8,858.00 |
| Deprecation and Amortization | 3,703.00 | 1,042.00 | 874.00 | 997.00 | 1,467.00 |
| Deferred Income Tax | -437.00 | -399.00 | -241.00 | -1,682.00 | -923.00 |
| Share Based Compensation | 635.00 | 753.00 | 785.00 | 354.00 | 290.00 |
| Change in Working Capital | 2,980.00 | 76.00 | 4,278.00 | -1,169.00 | 176.00 |
| Other Operating Activities | -36,051.00 | 5,294.00 | 4,279.00 | -991.00 | 5,223.00 |
| Investing Cash Flow | 136,826.00 | -34,345.00 | -120,140.00 | -126,304.00 | -70,486.00 |
| Capital Expenditure | -3,300.00 | -1,866.00 | -1,181.00 | -835.00 | -909.00 |
| Net Purchase/Sale of PPE | -3,282.00 | -1,816.00 | -1,181.00 | -803.00 | -859.00 |
| Net Purchase/Sale of Investments Net | 88,509.00 | 19,273.00 | -24,835.00 | -161,552.00 | 37,271.00 |
| Net Purchase/Sale of Business | 70,243.00 | 0 | 0 | -83,745.00 | 0 |
| Net Loan & Lease Activity | -20,869.00 | -51,888.00 | -94,389.00 | 80,145.00 | -56,017.00 |
| Other Investing Activities | 5,525.00 | 1,952.00 | 1,446.00 | 40,486.00 | -49,972.00 |
| Financing Cash Flow | -38,909.00 | 38,202.00 | -15,724.00 | 167,145.00 | 136,907.00 |
| Net Issuance/Repayment of Debt | -50,000.00 | 50,000.00 | 0 | 0 | 4,990.00 |
| Net Issuance/Repurchase of Equity | 106.00 | 682.00 | 0 | 39.00 | 2,118.00 |
| Dividends Paid | 4,038.00 | 3,596.00 | 3,308.00 | 2,505.00 | 2,007.00 |
| Other Financing Activities | 6,947.00 | -16,076.00 | -19,032.00 | 164,601.00 | 127,792.00 |
| Net Change in Cash | 75,713.00 | 20,247.00 | -109,092.00 | 48,709.00 | 81,512.00 |
| Cash at Beginning of Period | 87,161.00 | 66,914.00 | 176,006.00 | 127,297.00 | 45,785.00 |
| Cash at End of Period | 162,874.00 | 87,161.00 | 66,914.00 | 176,006.00 | 127,297.00 |
| Free Cash Flow | -25,504.00 | 14,524.00 | 25,591.00 | 7,033.00 | 14,182.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-03-31 | 2023-12-31 | 2023-03-31 | 2022-12-31 | 2022-03-31 | 2021-12-31 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 2,030,754.00 | 2,041,441.00 | 2,033,347.00 | 2,010,281.00 | 1,450,716.00 | 1,447,195.00 | 1,419,295.00 | 1,372,332.00 | 1,369,383.00 | 1,417,662.00 | 1,389,437.00 | 1,028,130.00 | 950,932.00 |
| Deposits | 0 | 0 | 1,824,976.00 | 1,803,778.00 | 0 | 1,259,137.00 | 1,233,726.00 | 1,241,525.00 | 1,241,332.00 | 1,292,892.00 | 1,248,752.00 | 916,057.00 | 842,461.00 |
| Cash and Short-Term Investments | 0 | 0 | 206,032.00 | 162,874.00 | 0 | 138,709.00 | 87,161.00 | 77,801.00 | 66,914.00 | 149,790.00 | 176,006.00 | 176,262.00 | 127,297.00 |
| Cash and Cash Equivalents | 189,317.00 | 194,315.00 | 206,032.00 | 162,874.00 | 126,516.00 | 138,709.00 | 87,161.00 | 77,801.00 | 66,914.00 | 149,790.00 | 176,006.00 | 176,262.00 | 127,297.00 |
| Short-Term Investments | 11,513.00 | 15,300.00 | 0 | 0 | 146,013.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 6,238.00 | 6,143.00 | 1,441,341.00 | 1,456,215.00 | 4,794.00 | 965,349.00 | 962,111.00 | 913,639.00 | 4,543.00 | 4,056.00 | 3,903.00 | 2,609.00 | 2,962.00 |
| Inventory | 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 |
| Property, Plant, Equipment Net | 34,107.00 | 34,530.00 | 34,609.00 | 36,827.00 | 22,960.00 | 21,993.00 | 22,142.00 | 21,637.00 | 21,876.00 | 22,278.00 | 22,403.00 | 19,087.00 | 19,319.00 |
| Goodwill | 3,030.00 | 3,030.00 | 3,030.00 | 3,030.00 | 3,030.00 | 3,030.00 | 3,030.00 | 3,030.00 | 3,030.00 | 3,030.00 | 3,030.00 | 0 | 0 |
| Intangible Assets | 13,661.00 | 14,102.00 | 14,544.00 | 14,986.00 | 104.00 | 113.00 | 117.00 | 131.00 | 136.00 | 150.00 | 154.00 | 5.00 | 19.00 |
| Long-Term Investments | 301,084.00 | 294,009.00 | 0 | 0 | 267,438.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 1,849,545.00 | 1,867,909.00 | 1,864,671.00 | 1,843,750.00 | 1,325,601.00 | 1,329,379.00 | 1,303,024.00 | 1,260,521.00 | 1,261,023.00 | 1,311,099.00 | 1,272,398.00 | 942,204.00 | 866,016.00 |
| Payables and Expenses | 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 |
| Current Accrued Liabilities | 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 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 30,520.00 | 55,427.00 | 0 | 0 | 64,278.00 | 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 |
| Equity | 181,209.00 | 173,532.00 | 168,676.00 | 166,531.00 | 125,115.00 | 117,816.00 | 116,271.00 | 111,811.00 | 108,360.00 | 106,563.00 | 117,039.00 | 85,926.00 | 84,916.00 |
| Shareholders Equity | 181,209.00 | 173,532.00 | 168,676.00 | 166,531.00 | 125,115.00 | 117,816.00 | 116,271.00 | 111,811.00 | 108,360.00 | 106,563.00 | 117,039.00 | 85,926.00 | 84,916.00 |
| Capital Stock | 11,262.00 | 11,236.00 | 11,233.00 | 11,218.00 | 7,871.00 | 7,847.00 | 7,829.00 | 7,851.00 | 7,831.00 | 7,812.00 | 7,785.00 | 6,086.00 | 6,075.00 |
| Share Premium | 78,187.00 | 77,578.00 | 77,354.00 | 77,058.00 | 33,409.00 | 33,021.00 | 32,950.00 | 32,937.00 | 32,716.00 | 32,298.00 | 31,966.00 | 6,214.00 | 6,151.00 |
| Retained Earnings | 104,964.00 | 100,810.00 | 97,152.00 | 96,947.00 | 99,270.00 | 96,465.00 | 94,198.00 | 91,239.00 | 90,284.00 | 79,845.00 | 76,990.00 | 71,144.00 | 69,292.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -13,204.00 | -16,092.00 | -17,063.00 | -18,692.00 | -15,435.00 | -19,517.00 | -18,706.00 | -20,216.00 | -22,471.00 | -13,392.00 | 298.00 | 2,482.00 | 3,398.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 273,704.00 | 277,329.00 | 0 | 275,612.00 | 303,179.00 | 315,459.00 | 164,815.00 | 286,801.00 | 291,308.00 | 161,373.00 | 142,100.00 |
| Debt | 30,520.00 | 55,427.00 | 30,740.00 | 30,455.00 | 64,278.00 | 14,277.00 | 14,276.00 | 14,275.00 | 14,274.00 | 14,273.00 | 19,272.00 | 19,271.00 | 19,270.00 |
| Common Shares Outstanding | 9,009.21 | 8,989.14 | 8,986.70 | 8,974.10 | 6,296.70 | 6,277.37 | 6,263.10 | 6,280.38 | 6,264.91 | 6,249.78 | 6,228.18 | 4,868.46 | 4,860.40 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|
| Revenues | 21,922.00 | 21,900.00 | 3,275.00 | 14,558.00 | 2,540.00 | 2,418.00 | 2,489.00 | 1,972.00 |
| Cost Of Revenue | 0 | 0 | 832.00 | 0 | 1,000.00 | 0 | 0 | 0 |
| Interest Income | 25,022.00 | 25,096.00 | 24,022.00 | 17,411.00 | 16,334.00 | 13,528.00 | 11,024.00 | 8,095.00 |
| Interest Expense | 6,792.00 | 6,617.00 | 6,571.00 | 5,695.00 | 5,484.00 | 2,352.00 | 476.00 | 583.00 |
| Net Interest | 0 | 0 | 17,451.00 | 0 | 10,850.00 | 11,176.00 | 10,548.00 | 7,512.00 |
| Non-Interest Income | 0 | 0 | 3,611.00 | 0 | 4,047.00 | 2,778.00 | 2,711.00 | 2,143.00 |
| Non-Interest Expense | 14,794.00 | 14,114.00 | -18,335.00 | 9,840.00 | 9,887.00 | 9,200.00 | 8,644.00 | -6,650.00 |
| Provisions for Credit Losses | 0 | 0 | -832.00 | 0 | -1,000.00 | 0 | 0 | 0 |
| Gross Profit | 0 | 0 | 2,443.00 | 0 | 1,540.00 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 9,116.00 | 8,634.00 | 2,790.00 | 6,384.00 | 1,544.00 | 1,489.00 | 1,428.00 | 1,582.00 |
| EBT | 6,820.00 | 6,335.00 | 1,895.00 | 2,793.00 | 4,010.00 | 4,754.00 | 4,615.00 | 3,005.00 |
| Income Tax | 1,270.00 | 1,284.00 | 297.00 | 545.00 | 801.00 | 905.00 | 886.00 | 569.00 |
| Net Income Including Non-Controlling Interests | 5,550.00 | 5,051.00 | 0 | 2,248.00 | 0 | 0 | 0 | 0 |
| Net Income | 5,550.00 | 5,051.00 | 1,598.00 | 2,248.00 | 3,209.00 | 3,849.00 | 3,729.00 | 2,436.00 |
| EBIT | 0 | 0 | 8,466.00 | 0 | 9,494.00 | 7,106.00 | 5,091.00 | 3,588.00 |
| Deprecation and Amortization | 1,148.00 | 1,116.00 | 1,302.00 | 452.00 | 310.00 | 258.00 | 15.00 | 337.00 |
| EBITDA | 0 | 0 | 9,768.00 | 0 | 9,804.00 | 7,364.00 | 5,106.00 | 3,925.00 |
| EPS | 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 |
| Average Shares Outstanding Basic | 8,999.15 | 8,987.18 | 8,979.53 | 6,288.00 | 6,269.79 | 6,273.91 | 6,238.97 | 4,863.82 |
| Average Shares Outstanding Diluted | 9,023.18 | 9,001.97 | 9,005.92 | 6,303.28 | 6,282.53 | 6,281.12 | 6,245.70 | 4,872.10 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 8,437.00 | 4,701.00 | 3,527.00 | 6,142.00 | 4,703.00 | 4,553.00 | 8,624.00 | 5,050.00 |
| Operating Net Income | 5,550.00 | 5,051.00 | 1,598.00 | 2,248.00 | 3,209.00 | 3,849.00 | 3,729.00 | 2,436.00 |
| Deprecation and Amortization | 1,148.00 | 1,116.00 | 1,302.00 | 452.00 | 310.00 | 258.00 | 15.00 | 337.00 |
| Deferred Income Tax | 484.00 | 0 | 0 | 143.00 | 46.00 | 325.00 | 200.00 | -95.00 |
| Share Based Compensation | 586.00 | 180.00 | 265.00 | 264.00 | 142.00 | 338.00 | 485.00 | 74.00 |
| Change in Working Capital | 569.00 | -1,825.00 | 662.00 | 1,413.00 | -1,054.00 | 554.00 | 4,507.00 | -592.00 |
| Other Operating Activities | 100.00 | 179.00 | -300.00 | 1,622.00 | 2,050.00 | -771.00 | -312.00 | 2,890.00 |
| Investing Cash Flow | 6,428.00 | -18,005.00 | 19,337.00 | -1,838.00 | 22,412.00 | 7,155.00 | -73,047.00 | -29,100.00 |
| Capital Expenditure | 0 | 0 | -483.00 | 0 | -305.00 | -159.00 | -195.00 | -91.00 |
| Net Purchase/Sale of PPE | -260.00 | -604.00 | -449.00 | -1,205.00 | -305.00 | -157.00 | -195.00 | -79.00 |
| Net Purchase/Sale of Investments Net | -3,466.00 | -23,606.00 | 6,431.00 | 5,641.00 | 26,158.00 | 5,165.00 | -61,937.00 | 14,211.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | -20,869.00 | -51,888.00 | -94,389.00 | 80,145.00 | -56,017.00 | |||
| Other Investing Activities | 10,154.00 | 6,205.00 | -212.00 | -6,274.00 | 672.00 | 520.00 | 100.00 | -34,854.00 |
| Financing Cash Flow | -19,863.00 | 1,587.00 | 20,294.00 | -13,422.00 | 24,433.00 | -821.00 | 38,207.00 | 73,015.00 |
| Net Issuance/Repayment of Debt | -25,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 95.00 | 25.00 | 183.00 | 39.00 |
| Dividends Paid | -1,347.00 | -1,346.00 | 1,347.00 | -896.00 | 900.00 | 901.00 | 817.00 | 545.00 |
| Other Financing Activities | 6,484.00 | 0 | 18,947.00 | -12,526.00 | 23,438.00 | -1,747.00 | 37,207.00 | 72,431.00 |
| Net Change in Cash | -4,998.00 | -11,717.00 | 43,158.00 | -9,118.00 | 51,548.00 | 10,887.00 | -26,216.00 | 48,965.00 |
| Cash at Beginning of Period | 194,315.00 | 206,032.00 | 162,874.00 | 135,634.00 | 87,161.00 | 66,914.00 | 176,006.00 | 127,297.00 |
| Cash at End of Period | 189,317.00 | 194,315.00 | 206,032.00 | 126,516.00 | 138,709.00 | 77,801.00 | 149,790.00 | 176,262.00 |
| Free Cash Flow | 6,834.00 | 4,113.00 | 3,044.00 | 4,937.00 | 4,398.00 | 4,394.00 | 8,429.00 | 4,959.00 |