GBCI

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 29.89 20.56 18.04 19.76
Price to Sales 60.46 51.73 66.07 86.38
Book Value Per Common Share 82.56 78.34 72.77 86.37 72.53
Price to Book 0.61 0.53 0.68 0.66
Price to Operating Cash Flow 11.77 6.79 9.34 7.41
Price to Free Cash Flow
Enterprise Value to EBITDA 81032.67 73317.46 127583.21 168262.12
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 32.23 46.32 92.13 40.09 54.88 138.90 18.75 29.69 76.38 24.32 36.48 82.43 22.59 33.18 67.15
Price to Sales 78.05 105.77 222.55 73.86 92.84 204.57 47.92 79.98 222.98 89.12 134.07 290.97 115.43 181.96 397.77
Book Value Per Common Share 59.25 57.58 55.60 82.56 54.92 52.21 51.58 78.34 47.34 48.90 49.10 72.77 45.59 49.34 50.74 86.37 50.81 50.24 24.04 72.53
Price to Book 0.82 0.75 0.80 0.61 0.83 0.71 0.78 0.53 0.60 0.64 0.86 0.68 1.08 0.96 0.99 0.66 1.09 1.10 2.37
Price to Operating Cash Flow 22.56 35.83 95.65 33.12 709.51 -79.87 9.04 15.74 47.42 15.51 24.24 71.05 12.67 18.13 36.88
Price to Free Cash Flow 18.22
Enterprise Value to EBITDA 106917.18 147812.08 293103.15 102914.96 130458.13 292881.72 71765.53 126414.16 371129.69 184006.36 280843.79 627799.79 169069.08 250162.14 514926.77

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -16.42 -26.64 -4.53 2.14
Revenue YoY 6.17 6.88 27.08 19.58
EBITDA YoY 12.46 45.64 15.04 -1.75
Net Profit YoY -14.71 -26.48 6.48 6.89
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 62.37 93.75 67.65 134.48 44.76 90.91 55.38 113.11 47.59 95.29
Revenue YoY 54.63 108.10 54.10 104.99 52.63 106.91 55.87 104.79 58.43 111.03
EBITDA YoY 56.19 101.75 55.23 108.01 61.06 117.84 58.13 110.83 48.70 98.64
Net Profit YoY 63.25 96.73 66.02 137.03 45.15 89.78 55.02 112.68 47.73 96.07

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 18.06 26.25 8.63 11.22 15.15
Quick Ratio
Current Ratio
Debt to Equity 3.16 4.04 4.12 3.54 3.47
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 7.34 7.95 8.65 18.02 8.73 7.09 7.01 26.25 15.08 9.48 13.80 8.62 3.84 3.75 3.95 10.06 3.65 9.65 9.20 15.06
Quick Ratio
Current Ratio
Debt to Equity 3.74 3.79 5.24 3.16 7.45 7.59 7.65 4.04 8.40 8.05 8.14 4.12 8.23 7.84 7.54 3.54 7.55 7.34 7.24 3.47
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.58 0.72 1.02 0.97 1.26
ROE 2.41 3.61 5.21 4.39 5.65
Gross Margin 69.89 83.29 75.90 64.60 18.27
Operating Margin 703.66 670.36 496.73 564.46 651.79
EBITDA Margin 747.56 705.78 517.92 572.12 696.30
Net Profit Margin 202.26 251.76 365.97 436.78 488.63
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 0.54 0.33 0.19 0.45 0.28 0.12 0.60 0.42 0.22 0.83 0.54 0.26 1.09 0.77 0.41
ROE 2.57 1.59 1.16 3.82 2.37 1.01 5.62 3.79 2.00 7.66 4.74 2.20 9.32 6.40 3.34
Gross Margin 50.73 40.14 65.34 71.74 74.09 62.76 82.13 80.92 73.80 77.34 85.97 63.24 89.34 80.61 99.65
Operating Margin 708.61 701.54 724.99 689.46 684.62 674.01 643.68 607.40 571.54 479.96 476.51 453.45 661.32 713.09 767.00
EBITDA Margin 743.95 736.51 759.70 719.60 714.38 703.99 667.76 632.81 601.05 484.34 477.42 463.74 682.89 727.59 773.00
Net Profit Margin 241.59 228.83 242.06 183.49 170.32 147.29 255.71 268.90 293.17 366.06 368.07 354.41 511.14 548.18 590.01

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 32,801,389.00 31,091,332.00 29,803,881.00 29,433,886.00 21,101,370.00
   Deposits 20,546,994.00 19,929,167.00 20,606,555.00 21,337,249.00 14,797,529.00
      Cash and Short-Term Investments 2,043,430.00 2,910,320.00 955,358.00 1,113,984.00 1,437,136.00
            Cash and Cash Equivalents 2,043,430.00 2,910,320.00 955,358.00 1,113,984.00 1,437,136.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 99,262.00 94,902.00 83,908.00 77,192.00 44,815,117.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 448,254.00 397,509.00 370,606.00 367,118.00 372,155.00
      Goodwill 1,051,318.00 985,393.00 985,393.00 985,393.00 514,013.00
      Intangible Assets 51,182.00 31,870.00 41,601.00 52,259.00 55,509.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 138,955.00 159,070.00 193,187.00 27,693.00 0
      Other Non-Current Assets 0 0 0 0 0
Liabilities 24,913,151.00 24,921,945.00 23,983,704.00 22,953,729.00 16,383,813.00
      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 3,985.00 2,740,000.00 3,987.00 1,455.00 3,023.00
      Other Current Liabilities 0 0 0 0 0
      Long-Term Debt 36,657.00 41,241.00 43,586.00 46,446.00 46,652.00
      Other Non-Current Liabilities 0 0 0 0 0
Equity 7,888,238.00 6,169,387.00 5,820,177.00 6,480,157.00 4,717,557.00
   Shareholders Equity 9,362,266.00 8,686,730.00 8,061,123.00 9,560,225.00 6,921,123.00
      Capital Stock 1,134.00 1,109.00 1,108.00 1,107.00 954.00
      Share Premium 2,448,758.00 2,350,104.00 2,344,005.00 2,338,814.00 1,495,053.00
      Retained Earnings 1,083,258.00 1,043,181.00 966,984.00 810,342.00 667,944.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -309,296.00 -374,113.00 -468,792.00 27,359.00 572,360.00
   Minority Interest 0 0 0 0 0
Investments 3,383,435.00 8,288,130.00 19,817,743.00 13,967,505.00 60,906,685.00
Debt 532,420.00 3,271,772.00 531,128.00 530,480.00 552,336.00
Net Debt 0 361,452.00 0 0 0
Common Shares Outstanding 113,401.96 110,888.94 110,777.78 110,687.53 95,426.36
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 94,011.00 88,547.00 82,850.00 65,194.00 54,520.00
Cost Of Revenue 28,306.00 14,795.00 19,963.00 23,076.00 44,559.00
Interest Income 1,334,985.00 1,219,585.00 998,675.00 803,173.00 726,680.00
Interest Expense 435,218.00 325,973.00 41,261.00 18,558.00 27,315.00
Net Interest 704,632.00 691,682.00 788,379.00 662,516.00 599,749.00
Non-Interest Income 128,446.00 118,079.00 120,732.00 144,820.00 172,867.00
Non-Interest Expense 600,146.00 545,077.00 536,118.00 454,962.00 420,508.00
Provisions for Credit Losses 28,306.00 14,795.00 19,963.00 23,076.00 44,559.00
Gross Profit 65,705.00 73,752.00 62,887.00 42,118.00 9,961.00
   Selling, General and Administrative Expenses 100,074.00 92,760.00 88,408.00 74,813.00 69,006.00
EBT 226,304.00 267,608.00 370,280.00 349,438.00 328,040.00
Income Tax 32,983.00 41,585.00 64,165.00 61,274.00 58,532.00
Net Income 190,144.00 222,927.00 303,202.00 284,757.00 266,400.00
EBIT 661,522.00 593,581.00 411,541.00 367,996.00 355,355.00
Deprecation and Amortization 41,268.00 31,368.00 17,559.00 4,989.00 24,267.00
EBITDA 702,790.00 624,949.00 429,100.00 372,985.00 379,622.00
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 113,170.16 110,864.50 110,757.47 99,313.26 94,883.86
Average Shares Outstanding Diluted 113,243.43 110,890.45 110,827.93 99,398.25 94,932.35
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 482,781.00 674,337.00 586,083.00 759,853.00 362,236.00
   Operating Net Income 570,432.00 668,781.00 909,606.00 854,271.00 799,200.00
   Deprecation and Amortization 41,268.00 31,368.00 17,559.00 -4,989.00 24,267.00
   Deferred Income Tax 2,608.00 507.00 2,177.00 -9,095.00 -6,863.00
   Share Based Compensation 7,456.00 7,671.00 7,051.00 5,977.00 4,845.00
   Change in Working Capital -106,437.00 134,073.00 42,416.00 -13,940.00 42,922.00
   Other Operating Activities -32,546.00 -168,063.00 -392,726.00 -72,371.00 -502,135.00
Investing Cash Flow 492,545.00 -207,495.00 -1,351,723.00 -3,906,280.00 -3,577,445.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 62,652.00 49,286.00 23,242.00 9,449.00 11,828.00
   Net Purchase/Sale of Investments Net 1,151,044.00 887,481.00 2,675,030.00 8,062,503.00 4,058,614.00
   Net Purchase/Sale of Business 107,684.00 0 0 -1,622,717.00 -43,713.00
   Net Loan & Lease Activity 0 0 5,432,753.00 6,529,504.00 4,732,941.00
   Other Investing Activities -828,835.00 -1,144,262.00 -9,482,748.00 -16,885,019.00 -12,337,115.00
Financing Cash Flow -1,408,771.00 510,639.00 686,327.00 2,984,851.00 3,544,980.00
   Net Issuance/Repayment of Debt 4,769,117.00 1,484,261.00 1,734,242.00 12,237.00 466,663.00
   Net Issuance/Repurchase of Equity 0 0 140.00 265.00 2,979.00
   Dividends Paid 150,034.00 146,690.00 157,540.00 145,557.00 131,263.00
   Other Financing Activities -6,327,922.00 -1,120,312.00 -1,205,595.00 2,826,792.00 2,944,075.00
Net Change in Cash -433,445.00 977,481.00 -79,313.00 -161,576.00 329,771.00
   Cash at Beginning of Period 1,281,853.00 376,861.00 481,308.00 599,262.00 303,371.00
   Cash at End of Period 848,408.00 1,354,342.00 401,995.00 437,686.00 633,142.00
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 32,329,390.00 32,309,448.00 29,362,610.00 32,801,389.00 28,402,409.00 28,013,710.00 28,048,388.00 31,091,332.00 28,240,411.00 27,713,271.00 27,987,872.00 29,803,881.00 26,928,239.00 26,884,577.00 26,294,968.00 29,433,886.00 21,464,474.00 20,637,313.00 19,920,077.00 21,101,370.00
   Deposits 21,870,949.00 21,628,502.00 20,634,050.00 20,546,994.00 20,714,764.00 20,101,759.00 20,427,523.00 19,929,167.00 20,395,164.00 20,008,230.00 20,148,308.00 20,606,555.00 21,879,642.00 21,783,683.00 21,697,895.00 21,337,249.00 17,503,314.00 16,760,892.00 16,104,324.00 14,797,529.00
      Cash and Short-Term Investments 854,244.00 915,507.00 981,485.00 2,043,430.00 987,833.00 800,779.00 788,660.00 2,910,320.00 1,672,094.00 1,051,320.00 1,529,534.00 955,358.00 425,212.00 415,406.00 436,805.00 1,113,984.00 348,888.00 921,207.00 878,450.00 1,437,136.00
            Cash and Cash Equivalents 854,244.00 915,507.00 981,485.00 2,043,430.00 987,833.00 800,779.00 788,660.00 2,910,320.00 1,672,094.00 1,051,320.00 1,529,534.00 955,358.00 425,212.00 415,406.00 436,805.00 1,113,984.00 348,888.00 921,207.00 878,450.00 1,437,136.00
            Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Net Receivables 120,757.00 108,642.00 104,157.00 99,262.00 114,882.00 103,027.00 106,650.00 94,902.00 105,105.00 88,911.00 91,133.00 83,908.00 94,058.00 81,019.00 82,046.00 77,192.00 80,302.00 71,026.00 392,769.00 44,815,117.00
      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 464,936.00 465,411.00 446,713.00 448,254.00 37,111.00 37,885.00 40,065.00 397,509.00 41,529.00 42,491.00 42,931.00 370,606.00 44,160.00 46,097.00 44,414.00 367,118.00 44,480.00 45,273.00 368,652.00 372,155.00
      Goodwill 1,121,401.00 1,121,401.00 1,051,318.00 1,051,318.00 1,053,556.00 1,023,762.00 1,023,762.00 985,393.00 985,393.00 985,393.00 985,393.00 985,393.00 985,393.00 985,393.00 985,393.00 985,393.00 514,013.00 514,013.00 514,013.00 514,013.00
      Intangible Assets 61,135.00 64,949.00 47,911.00 51,182.00 52,780.00 43,028.00 46,046.00 31,870.00 34,297.00 36,725.00 39,152.00 41,601.00 44,265.00 46,930.00 49,594.00 52,259.00 48,045.00 50,533.00 53,021.00 55,509.00
      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 99,702.00 114,528.00 122,942.00 138,955.00 125,432.00 155,834.00 161,327.00 159,070.00 203,745.00 179,815.00 172,453.00 193,187.00 204,351.00 147,263.00 120,025.00 27,693.00 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 25,506,130.00 25,559,716.00 24,653,578.00 24,913,151.00 25,042,396.00 24,753,629.00 24,805,065.00 24,921,945.00 25,237,607.00 24,651,049.00 24,925,161.00 23,983,704.00 24,010,901.00 23,843,783.00 23,215,879.00 22,953,729.00 18,954,489.00 18,161,997.00 17,502,937.00 16,383,813.00
      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 4,189.00 4,152.00 4,003.00 3,985.00 3,943.00 3,971.00 3,911.00 2,740,000.00 3,710.00 3,663.00 3,574.00 3,987.00 3,835.00 1,894.00 1,455.00 1,455.00 1,527.00 3,176.00 3,211.00 3,023.00
      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 37,178.00 38,122.00 35,980.00 36,657.00 37,514.00 38,358.00 40,572.00 41,241.00 41,802.00 42,617.00 42,990.00 43,586.00 44,009.00 47,925.00 46,240.00 46,446.00 46,063.00 45,120.00 46,039.00 46,652.00
      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 6,823,260.00 6,749,732.00 4,709,032.00 7,888,238.00 3,360,013.00 3,260,081.00 3,243,323.00 6,169,387.00 3,002,804.00 3,062,222.00 3,062,711.00 5,820,177.00 2,917,338.00 3,040,794.00 3,079,089.00 6,480,157.00 2,509,985.00 2,475,316.00 2,417,140.00 4,717,557.00
   Shareholders Equity 7,023,686.00 6,825,873.00 6,312,105.00 9,362,266.00 6,227,794.00 5,920,239.00 5,849,109.00 8,686,730.00 5,248,821.00 5,422,265.00 5,443,580.00 8,061,123.00 5,049,566.00 5,465,266.00 5,620,577.00 9,560,225.00 4,852,891.00 4,798,352.00 2,295,385.00 6,921,123.00
      Capital Stock 1,186.00 1,186.00 1,135.00 1,134.00 1,134.00 1,134.00 1,134.00 1,109.00 1,109.00 1,109.00 1,109.00 1,108.00 1,108.00 1,108.00 1,108.00 1,107.00 955.00 955.00 955.00 954.00
      Share Premium 2,657,469.00 2,655,894.00 2,449,311.00 2,448,758.00 2,447,200.00 2,445,479.00 2,443,584.00 2,350,104.00 2,348,305.00 2,346,422.00 2,344,514.00 2,344,005.00 2,342,452.00 2,341,097.00 2,339,405.00 2,338,814.00 1,497,939.00 1,496,488.00 1,495,438.00 1,495,053.00
      Retained Earnings 1,142,523.00 1,113,839.00 1,100,273.00 1,083,258.00 1,059,022.00 1,045,483.00 1,038,294.00 1,043,181.00 1,025,547.00 1,009,782.00 991,509.00 966,984.00 923,945.00 881,246.00 841,489.00 810,342.00 811,063.00 766,070.00 719,072.00 667,944.00
      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 -192,890.00 -238,655.00 -263,111.00 -309,296.00 -262,306.00 -354,651.00 -372,305.00 -374,113.00 -500,367.00 -430,787.00 -410,228.00 -468,792.00 -495,148.00 -327,212.00 -247,809.00 27,359.00 77,659.00 90,442.00 239,760.00 572,360.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 3,083,207.00 3,198,361.00 3,304,113.00 3,383,435.00 3,571,991.00 3,630,571.00 8,080,656.00 8,288,130.00 8,295,543.00 8,608,109.00 8,862,706.00 19,817,743.00 9,511,710.00 32,413,768.00 33,296,934.00 13,967,505.00 31,818,918.00 26,638,032.00 31,621,579.00 60,906,685.00
Debt 217,147.00 218,806.00 192,616.00 532,420.00 133,065.00 133,024.00 132,984.00 3,271,772.00 132,903.00 132,863.00 132,822.00 531,128.00 132,742.00 132,701.00 132,661.00 530,480.00 132,580.00 132,540.00 132,499.00 552,336.00
Net Debt 0 0 0 0 0 0 0 361,452.00 0 0 0 0 0 0 0 0 0 0 0 0
Common Shares Outstanding 118,552.85 118,550.48 113,517.94 113,401.96 113,394.79 113,394.09 113,388.59 110,888.94 110,879.37 110,873.89 110,868.71 110,777.78 110,766.95 110,766.29 110,763.32 110,687.53 95,512.66 95,507.23 95,501.82 95,426.36
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 72,540.00 46,912.00 22,543.00 -43,520.00 69,973.00 45,407.00 22,151.00 -41,470.00 65,938.00 43,200.00 20,879.00 -36,515.00 61,062.00 39,174.00 19,129.00 -23,191.00 45,789.00 28,901.00 13,695.00
Cost Of Revenue 35,737.00 28,081.00 7,814.00 -11,482.00 19,772.00 11,767.00 8,249.00 -10,700.00 11,782.00 8,243.00 5,470.00 -6,405.00 13,839.00 5,498.00 7,031.00 12,543.00 4,880.00 5,605.00 48.00
Interest Income 1,058,185.00 687,834.00 335,571.00 -639,822.00 987,568.00 651,619.00 335,620.00 -515,354.00 888,856.00 570,553.00 275,530.00 -431,915.00 729,772.00 471,648.00 229,170.00 -337,866.00 574,637.00 377,544.00 188,858.00
Interest Expense 300,069.00 200,445.00 99,946.00 -227,607.00 329,625.00 220,278.00 112,922.00 -59,737.00 218,933.00 121,081.00 45,696.00 4,905.00 20,235.00 11,160.00 4,961.00 -8,764.00 13,355.00 9,227.00 4,740.00
Net Interest 622,974.00 397,595.00 189,979.00 -307,995.00 513,189.00 332,958.00 166,480.00 -377,908.00 525,226.00 358,172.00 186,192.00 -360,489.00 584,320.00 378,993.00 185,555.00 -281,471.00 474,894.00 312,281.00 156,812.00
Non-Interest Income 100,938.00 65,586.00 32,642.00 -60,633.00 96,897.00 62,193.00 29,989.00 -54,004.00 87,214.00 56,974.00 27,895.00 -66,923.00 92,249.00 61,843.00 33,563.00 -81,402.00 110,458.00 75,643.00 40,121.00
Non-Interest Expense 474,220.00 306,437.00 151,318.00 -281,995.00 437,503.00 292,795.00 151,843.00 -250,653.00 395,162.00 265,586.00 134,982.00 -243,908.00 389,889.00 259,829.00 130,308.00 -139,065.00 300,775.00 196,667.00 96,585.00
Provisions for Credit Losses 35,737.00 28,081.00 7,814.00 -11,482.00 19,772.00 11,767.00 8,249.00 -10,700.00 11,782.00 8,243.00 5,470.00 -6,405.00 13,839.00 5,498.00 7,031.00 33,513.00 -4,880.00 -5,605.00 48.00
Gross Profit 36,803.00 18,831.00 14,729.00 -32,038.00 50,201.00 33,640.00 13,902.00 -30,770.00 54,156.00 34,957.00 15,409.00 -30,110.00 47,223.00 33,676.00 12,098.00 -35,734.00 40,909.00 23,296.00 13,647.00
   Selling, General and Administrative Expenses 80,901.00 52,411.00 25,576.00 -50,934.00 75,615.00 50,368.00 25,025.00 -48,526.00 70,306.00 46,971.00 24,009.00 -43,056.00 66,037.00 43,756.00 21,671.00 -29,796.00 52,650.00 34,867.00 17,092.00
EBT 213,955.00 128,663.00 63,489.00 -53,473.00 152,811.00 90,589.00 36,377.00 -152,840.00 205,496.00 141,317.00 73,635.00 -159,849.00 272,841.00 175,509.00 81,779.00 -237,181.00 289,457.00 196,862.00 100,300.00
Income Tax 38,706.00 21,314.00 8,921.00 -8,442.00 24,421.00 13,254.00 3,750.00 -32,875.00 36,885.00 25,151.00 12,424.00 -30,457.00 49,316.00 31,322.00 13,984.00 -52,066.00 55,409.00 38,433.00 19,498.00
Net Income 175,249.00 107,349.00 54,568.00 -48,208.00 128,390.00 77,335.00 32,627.00 -123,061.00 168,611.00 116,166.00 61,211.00 -132,305.00 223,525.00 144,187.00 67,795.00 -188,522.00 234,048.00 158,429.00 80,802.00
EBIT 514,024.00 329,108.00 163,435.00 -281,080.00 482,436.00 310,867.00 149,299.00 -212,577.00 424,429.00 262,398.00 119,331.00 -154,944.00 293,076.00 186,669.00 86,740.00 -245,945.00 302,812.00 206,089.00 105,040.00
Deprecation and Amortization 25,637.00 16,404.00 7,825.00 21.00 21,092.00 13,513.00 6,642.00 -1,653.00 15,881.00 10,977.00 6,163.00 12,561.00 2,672.00 357.00 1,969.00 -9,904.00 9,877.00 4,193.00 823.00
EBITDA 539,661.00 345,512.00 171,260.00 -281,059.00 503,528.00 324,380.00 155,941.00 -214,230.00 440,310.00 273,375.00 125,494.00 -142,383.00 295,748.00 187,026.00 88,709.00 -255,849.00 312,689.00 210,282.00 105,863.00
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 116,316.75 115,180.49 113,451.20 114,153.56 113,093.58 112,941.34 112,492.14 110,927.76 110,857.79 110,847.81 110,824.65 110,807.99 110,752.23 110,745.02 110,724.65 110,807.17 95,494.21 95,485.84 95,465.80
Average Shares Outstanding Diluted 116,382.82 115,244.55 113,546.37 114,299.91 113,137.86 112,981.53 112,554.40 110,917.71 110,882.72 110,879.65 110,881.71 110,901.10 110,811.27 110,799.37 110,800.00 110,906.97 95,573.52 95,565.59 95,546.92
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 250,905.00 138,479.00 52,446.00 377,527.00 156,040.00 5,943.00 -56,729.00 7,120.00 349,511.00 219,527.00 98,179.00 -59,688.00 350,747.00 216,666.00 78,358.00 -95,287.00 417,310.00 290,085.00 147,745.00
   Operating Net Income 175,249.00 107,349.00 54,568.00 332,080.00 128,390.00 77,335.00 32,627.00 322,793.00 168,611.00 116,166.00 61,211.00 474,099.00 223,525.00 144,187.00 67,795.00 380,992.00 234,048.00 158,429.00 80,802.00
   Deprecation and Amortization 25,637.00 16,404.00 7,825.00 21.00 21,092.00 13,513.00 6,642.00 -1,653.00 15,881.00 10,977.00 6,163.00 17,213.00 2,672.00 -357.00 -1,969.00 9,904.00 -9,877.00 -4,193.00 -823.00
   Deferred Income Tax 0 0 0 2,608.00 0 0 0 507.00 0 0 0 2,177.00 0 0 0 -9,095.00 0 0 0
   Share Based Compensation 5,025.00 3,809.00 2,541.00 -1,619.00 4,376.00 3,084.00 1,615.00 -1,827.00 4,577.00 3,181.00 1,740.00 -2,022.00 4,218.00 3,081.00 1,774.00 -1,362.00 3,440.00 2,408.00 1,491.00
   Change in Working Capital 28,204.00 -587.00 -8,930.00 165,586.00 -69,615.00 -105,095.00 -97,313.00 -11,744.00 108,208.00 35,706.00 1,903.00 -61,224.00 56,076.00 31,751.00 15,813.00 19,328.00 5,010.00 -3,695.00 -34,583.00
   Other Operating Activities 16,790.00 11,504.00 -3,558.00 -121,149.00 71,797.00 17,106.00 -300.00 -300,956.00 52,234.00 53,497.00 27,162.00 -489,931.00 64,256.00 38,004.00 -5,055.00 -495,054.00 184,689.00 137,136.00 100,858.00
Investing Cash Flow 319,954.00 361,497.00 205,507.00 -377,398.00 437,304.00 223,271.00 209,368.00 388,041.00 -282,874.00 -282,796.00 -29,866.00 1,682,060.00 -1,402,445.00 -1,175,055.00 -456,283.00 2,536,942.00 -3,360,929.00 -1,903,573.00 -1,178,720.00
   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 1,435.00 0.00 -1,435.00 0.00
   Net Purchase/Sale of PPE 24,890.00 16,668.00 7,714.00 12,879.00 27,340.00 18,143.00 4,290.00 -15,610.00 36,492.00 20,243.00 8,161.00 -10,227.00 16,909.00 12,696.00 3,864.00 5,124.00 4,187.00 -1,435.00 1,573.00
   Net Purchase/Sale of Investments Net 879,056.00 649,988.00 238,630.00 -757,638.00 911,553.00 608,282.00 388,847.00 -511,020.00 691,258.00 466,461.00 240,782.00 -2,058,971.00 2,053,253.00 1,687,468.00 993,280.00 -1,748,952.00 5,227,685.00 2,979,241.00 1,604,529.00
   Net Purchase/Sale of Business 26,125.00 26,125.00 0 -61,806.00 107,684.00 30,903.00 30,903.00 0 0 0 0 0 0 0 0 -1,622,717.00 0 0 0
   Net Loan & Lease Activity 0 0 5,432,753.00 6,529,504.00 4,732,941.00
   Other Investing Activities -610,117.00 -331,284.00 -40,837.00 429,167.00 -609,273.00 -434,057.00 -214,672.00 3,134,414.00 -1,010,624.00 -2,238,843.00 -1,029,209.00 7,672,908.00 -8,002,757.00 -6,141,686.00 -3,011,213.00 8,998,365.00 -13,417,978.00 -8,161,091.00 -4,304,315.00
Financing Cash Flow -565,023.00 -432,877.00 -124,876.00 1,052,180.00 -959,853.00 -782,777.00 -718,321.00 -2,464,643.00 1,203,462.00 712,594.00 1,059,226.00 -1,666,050.00 1,039,224.00 936,109.00 377,044.00 -2,852,350.00 2,659,365.00 1,901,553.00 1,276,283.00
   Net Issuance/Repayment of Debt 1,154,490.00 768,016.00 352,726.00 -10,117,065.00 4,824,026.00 5,180,374.00 4,881,782.00 -2,873,833.00 1,489,584.00 1,349,211.00 1,519,299.00 584,858.00 582,104.00 538,463.00 28,817.00 13,993.00 29,459.00 -16,394.00 -14,821.00
   Net Issuance/Repurchase of Equity 0 0 0 0 0 0 0 0 0 0 0 140.00 0 0 0 -326.00 265.00 165.00 161.00
   Dividends Paid 76,962.00 37,833.00 363.00 36,809.00 75,166.00 37,745.00 314.00 36,027.00 73,485.00 36,886.00 292.00 13,980.00 84,414.00 47,851.00 11,295.00 12,176.00 74,709.00 44,142.00 14,530.00
   Other Financing Activities -1,796,475.00 -1,238,726.00 -477,965.00 11,132,436.00 -5,859,045.00 -6,000,896.00 -5,600,417.00 373,163.00 -359,607.00 -673,503.00 -460,365.00 -2,265,028.00 372,706.00 349,795.00 336,932.00 -2,878,193.00 2,554,932.00 1,873,640.00 1,276,413.00
Net Change in Cash 5,836.00 67,099.00 133,077.00 1,052,309.00 -366,509.00 -553,563.00 -565,682.00 -2,069,482.00 1,270,099.00 649,325.00 1,127,539.00 -43,678.00 -12,474.00 -22,280.00 -881.00 -410,695.00 -284,254.00 288,065.00 245,308.00
   Cash at Beginning of Period 848,408.00 848,408.00 848,408.00 -203,901.00 1,354,342.00 1,354,342.00 1,354,342.00 3,423,824.00 401,995.00 401,995.00 401,995.00 445,673.00 437,686.00 437,686.00 437,686.00 848,381.00 633,142.00 633,142.00 633,142.00
   Cash at End of Period 854,244.00 915,507.00 981,485.00 848,408.00 987,833.00 800,779.00 788,660.00 1,354,342.00 1,672,094.00 1,051,320.00 1,529,534.00 401,995.00 425,212.00 415,406.00 436,805.00 437,686.00 348,888.00 921,207.00 878,450.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 288,650.00 0