HBANM
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 20.35 | 17.09 | 14.73 | 28.91 | |
| Price to Sales | 24.95 | 22.24 | 23.67 | 29.84 | |
| Book Value Per Common Share | 11.58 | 11.49 | 10.12 | 26.52 | 38.51 |
| Price to Book | 2.18 | 1.87 | 2.14 | 0.99 | |
| Price to Operating Cash Flow | 10.49 | 7.26 | 5.88 | 10.91 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 96656.70 | 93905.32 | 159686.99 | 180667.56 |
| 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 | 21.17 | 32.09 | 68.00 | 26.34 | 37.89 | 87.54 | 18.64 | 26.05 | 54.73 | 21.90 | 37.71 | 83.00 | 40.77 | 64.15 | ||||||
| Price to Sales | 29.72 | 44.28 | 95.81 | 32.51 | 45.00 | 98.10 | 28.57 | 40.35 | 83.81 | 33.99 | 56.01 | 116.30 | 40.11 | 58.82 | ||||||
| Book Value Per Common Share | 7.60 | 7.16 | 5.33 | 11.58 | 5.63 | 4.70 | 4.67 | 11.49 | 3.87 | 4.40 | 4.58 | 10.12 | 3.66 | 4.76 | 11.00 | 26.52 | 13.29 | 13.99 | 26.66 | 38.51 |
| Price to Book | 3.09 | 3.09 | 4.34 | 2.18 | 4.21 | 4.59 | 4.88 | 1.87 | 5.35 | 4.50 | 4.78 | 2.14 | 6.28 | 5.15 | 2.26 | 0.99 | 1.99 | 1.88 | ||
| Price to Operating Cash Flow | 22.03 | 30.21 | 65.55 | 103.90 | 40.72 | 71.06 | 17.01 | 37.64 | 242.95 | 12.41 | 19.35 | 42.19 | 20.35 | 28.52 | ||||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 117045.33 | 168647.90 | 350853.93 | 121455.55 | 169439.79 | 368921.38 | 116938.42 | 174699.11 | 419293.91 | 252921.26 | 456030.86 | 492307.42 | 266411.99 | 425395.06 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -1.59 | -14.29 | 61.54 | 28.17 | |
| Revenue YoY | 4.86 | 6.22 | 18.42 | 25.91 | |
| EBITDA YoY | 14.25 | 69.79 | 87.30 | -32.15 | |
| Net Profit YoY | -0.56 | -12.82 | 72.82 | 58.51 |
| 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 | 60.87 | 102.94 | 57.89 | 119.23 | 46.05 | 90.00 | 61.54 | 116.67 | 58.54 | -16.33 | ||||||||||
| Revenue YoY | 58.24 | 107.41 | 52.01 | 107.14 | 47.67 | 88.06 | 54.76 | 104.55 | 65.76 | 115.77 | ||||||||||
| EBITDA YoY | 52.99 | 99.48 | 53.16 | 107.08 | 56.12 | 117.80 | 69.24 | 113.46 | 57.61 | 13.00 | ||||||||||
| Net Profit YoY | 59.17 | 101.71 | 57.89 | 113.13 | 47.11 | 92.86 | 59.46 | 117.17 | 72.92 | -2.82 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 10.50 | 8.23 | 2.59 | 2.80 | 2.29 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.79 | 0.78 | 0.79 | 0.75 | 0.59 |
| 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 | 10.44 | 10.38 | 13.80 | 5.23 | 11.62 | 10.08 | 9.67 | 4.10 | 2.35 | 2.71 | 3.03 | 1.29 | 2.47 | 2.46 | 2.77 | 2.46 | 2.85 | 3.39 | 1.99 | 2.29 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 0.63 | 0.78 | 0.82 | 0.79 | 0.82 | 0.83 | 0.83 | 0.78 | 0.83 | 0.83 | 0.83 | 0.79 | 0.83 | 0.82 | 0.82 | 0.75 | 0.80 | 0.79 | 0.81 | 0.59 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.44 | 0.48 | 0.57 | 0.34 | 0.26 |
| ROE | 0.78 | 0.84 | 1.02 | 0.60 | 0.41 |
| Gross Margin | 99.91 | -18.55 | |||
| Operating Margin | 475.41 | 418.64 | 262.52 | 150.94 | 307.58 |
| EBITDA Margin | 518.26 | 475.64 | 297.57 | 188.14 | 349.10 |
| Net Profit Margin | 132.15 | 139.36 | 169.80 | 116.35 | 92.42 |
| 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 | 0.34 | 0.24 | 0.12 | 0.34 | 0.22 | 0.11 | 0.45 | 0.30 | 0.16 | 0.44 | 0.28 | 0.13 | 0.25 | 0.15 | 0.21 | |||||
| ROE | 0.56 | 0.43 | 0.22 | 0.63 | 0.41 | 0.19 | 0.82 | 0.55 | 0.29 | 0.80 | 0.50 | 0.23 | 0.46 | 0.26 | 0.38 | |||||
| Gross Margin | 97.73 | 92.95 | 69.73 | 72.97 | ||||||||||||||||
| Operating Margin | 460.33 | 472.94 | 488.89 | 491.02 | 481.75 | 477.08 | 437.44 | 415.66 | 363.13 | 233.33 | 213.81 | 200.00 | 143.58 | 133.40 | 331.98 | |||||
| EBITDA Margin | 509.98 | 527.47 | 548.43 | 537.52 | 533.48 | 533.63 | 490.74 | 464.17 | 400.80 | 269.74 | 246.67 | 236.36 | 181.23 | 190.61 | 363.96 | |||||
| Net Profit Margin | 146.88 | 146.02 | 150.14 | 133.27 | 128.30 | 124.70 | 163.13 | 163.75 | 159.68 | 163.38 | 158.57 | 149.35 | 112.59 | 107.93 | 239.64 |
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 | 445,247,000.00 | 410,704,000.00 | 393,765,000.00 | 375,650,000.00 | 314,317,000.00 |
| Deposits | 1,137,150,000.00 | 1,058,516,000.00 | 1,035,162,000.00 | 1,003,463,000.00 | 692,782,000.00 |
| Cash and Short-Term Investments | 15,243,000.00 | 11,898,000.00 | 3,727,000.00 | 3,533,000.00 | 2,334,000.00 |
| Cash and Cash Equivalents | 13,332,000.00 | 10,323,000.00 | 2,010,000.00 | 2,203,000.00 | 1,436,000.00 |
| Short-Term Investments | 1,911,000.00 | 1,575,000.00 | 1,717,000.00 | 1,330,000.00 | 898,000.00 |
| Net Receivables | 0 | 0 | 0 | 2,030,000.00 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 1,344,000.00 | 1,374,000.00 | 1,435,000.00 | 1,480,000.00 | 956,000.00 |
| Goodwill | 5,561,000.00 | 5,561,000.00 | 5,571,000.00 | 5,349,000.00 | 1,990,000.00 |
| Intangible Assets | 444,000.00 | 477,000.00 | 492,000.00 | 497,000.00 | 411,000.00 |
| 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 | 197,009,000.00 | 179,509,000.00 | 173,513,000.00 | 161,358,000.00 | 116,585,000.00 |
| 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 | 1,194,000.00 | 3,720,000.00 | 12,162,000.00 | 2,004,000.00 | 1,098,000.00 |
| 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 | 248,238,000.00 | 231,195,000.00 | 220,252,000.00 | 214,292,000.00 | 197,732,000.00 |
| Shareholders Equity | 33,748,000.00 | 33,354,000.00 | 29,266,000.00 | 38,135,000.00 | 39,171,000.00 |
| Capital Stock | 2,004,000.00 | 2,409,000.00 | 2,181,000.00 | 2,181,000.00 | 2,201,000.00 |
| Share Premium | 15,484,000.00 | 15,389,000.00 | 15,309,000.00 | 15,222,000.00 | 8,781,000.00 |
| Retained Earnings | 5,204,000.00 | 4,322,000.00 | 3,419,000.00 | 2,202,000.00 | 1,878,000.00 |
| Treasury Shares | 86,000.00 | 91,000.00 | 80,000.00 | 79,000.00 | 59,000.00 |
| Accumulated Other Comprehensive Income | -2,866,000.00 | -2,676,000.00 | -3,098,000.00 | -229,000.00 | 192,000.00 |
| Minority Interest | 42,000.00 | 45,000.00 | 38,000.00 | 21,000.00 | 0 |
| Investments | 1,911,000.00 | 380,213,000.00 | 368,128,000.00 | 395,416,000.00 | 109,511,000.00 |
| Debt | 112,649,000.00 | 86,983,000.00 | 78,937,000.00 | 51,430,000.00 | 59,550,000.00 |
| Net Debt | 97,406,000.00 | 75,085,000.00 | 75,210,000.00 | 47,897,000.00 | 57,216,000.00 |
| Common Shares Outstanding | 2,914,255.81 | 2,904,042.95 | 2,892,458.04 | 1,437,742.17 | 1,017,196.78 |
| Preferred Shares Outstanding | 877.50 | 881.59 | 557.50 | 557.50 | 1,101.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 1,468,000.00 | 1,400,000.00 | 1,318,000.00 | 1,113,000.00 | 884,000.00 |
| Cost Of Revenue | 0 | 0 | 0 | 1,000.00 | 1,048,000.00 |
| Interest Income | 10,571,000.00 | 9,447,000.00 | 6,094,000.00 | 4,245,000.00 | 3,690,000.00 |
| Interest Expense | 4,576,000.00 | 3,477,000.00 | 696,000.00 | 89,000.00 | 423,000.00 |
| Net Interest | 5,345,000.00 | 5,439,000.00 | 5,273,000.00 | 4,102,000.00 | 3,224,000.00 |
| Non-Interest Income | 2,040,000.00 | 1,921,000.00 | 1,981,000.00 | 1,889,000.00 | 1,591,000.00 |
| Non-Interest Expense | 9,672,000.00 | 9,596,000.00 | 8,686,000.00 | 9,747,000.00 | 5,845,000.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | -1,000.00 | 1,048,000.00 |
| Gross Profit | 0 | 0 | 0 | 1,112,000.00 | -164,000.00 |
| Selling, General and Administrative Expenses | 1,101,000.00 | 1,065,000.00 | 1,024,000.00 | 1,329,000.00 | 635,000.00 |
| EBT | 2,403,000.00 | 2,384,000.00 | 2,764,000.00 | 1,591,000.00 | 2,296,000.00 |
| Income Tax | 813,000.00 | 751,000.00 | 986,000.00 | 532,000.00 | 264,000.00 |
| Net Income Including Non-Controlling Interests | 1,920,000.00 | 1,931,000.00 | 2,227,000.00 | 1,293,000.00 | 0 |
| Net Income Non-Controlling Interests | 20,000.00 | 20,000.00 | 11,000.00 | 2,000.00 | 0 |
| Net Income | 1,940,000.00 | 1,951,000.00 | 2,238,000.00 | 1,295,000.00 | 817,000.00 |
| EBIT | 6,979,000.00 | 5,861,000.00 | 3,460,000.00 | 1,680,000.00 | 2,719,000.00 |
| Deprecation and Amortization | 629,000.00 | 798,000.00 | 462,000.00 | 414,000.00 | 367,000.00 |
| EBITDA | 7,608,000.00 | 6,659,000.00 | 3,922,000.00 | 2,094,000.00 | 3,086,000.00 |
| 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 | 1,451,421.00 | 1,446,449.00 | 1,441,279.00 | 1,262,435.00 | 1,017,117.00 |
| Average Shares Outstanding Diluted | 1,476,442.00 | 1,468,016.00 | 1,465,220.00 | 1,286,733.00 | 1,032,683.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 3,491,000.00 | 4,287,000.00 | 5,311,000.00 | 3,045,000.00 | 2,782,000.00 |
| Operating Net Income | 5,860,000.00 | 5,893,000.00 | 6,736,000.00 | 3,889,000.00 | 3,268,000.00 |
| Deprecation and Amortization | 629,000.00 | 798,000.00 | 462,000.00 | 414,000.00 | 367,000.00 |
| Deferred Income Tax | -26,000.00 | -302,000.00 | 319,000.00 | -76,000.00 | -93,000.00 |
| Share Based Compensation | 106,000.00 | 97,000.00 | 105,000.00 | 129,000.00 | 77,000.00 |
| Change in Working Capital | -65,000.00 | 76,000.00 | -38,000.00 | 41,000.00 | -35,000.00 |
| Other Operating Activities | -3,013,000.00 | -2,275,000.00 | -2,273,000.00 | -1,352,000.00 | -802,000.00 |
| Investing Cash Flow | -14,483,000.00 | -4,257,000.00 | -12,313,000.00 | -3,793,000.00 | -8,888,000.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 143,000.00 | 140,000.00 | 214,000.00 | 247,000.00 | 119,000.00 |
| Net Purchase/Sale of Investments Net | 29,459,000.00 | 10,881,000.00 | 17,813,000.00 | 41,912,000.00 | 9,063,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | 29,000.00 | 714,000.00 | 0 |
| Net Loan & Lease Activity | 10,705,000.00 | 5,629,000.00 | 11,774,000.00 | -936,000.00 | 9,463,000.00 |
| Other Investing Activities | -54,790,000.00 | -20,907,000.00 | -42,143,000.00 | -45,730,000.00 | -27,533,000.00 |
| Financing Cash Flow | 13,812,000.00 | 3,871,000.00 | 8,877,000.00 | -1,959,000.00 | 12,878,000.00 |
| Net Issuance/Repayment of Debt | 14,171,000.00 | 27,619,000.00 | 22,326,000.00 | 4,955,000.00 | 3,612,000.00 |
| Net Issuance/Repurchase of Equity | 410,000.00 | 798,000.00 | 0 | 3,672,000.00 | 2,160,000.00 |
| Dividends Paid | 1,046,000.00 | 1,034,000.00 | 1,010,000.00 | 888,000.00 | 698,000.00 |
| Other Financing Activities | -1,815,000.00 | -25,580,000.00 | -14,459,000.00 | -11,474,000.00 | 6,408,000.00 |
| Net Change in Cash | 2,820,000.00 | 3,901,000.00 | 1,875,000.00 | -2,707,000.00 | 6,772,000.00 |
| Cash at Beginning of Period | 10,027,000.00 | 6,228,000.00 | 4,829,000.00 | 8,229,000.00 | -177,000.00 |
| Cash at End of Period | 12,847,000.00 | 10,129,000.00 | 6,704,000.00 | 5,522,000.00 | 6,595,000.00 |
| 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 | 495,059,000.00 | 436,584,000.00 | 427,498,000.00 | 445,247,000.00 | 408,947,000.00 | 400,782,000.00 | 395,281,000.00 | 410,704,000.00 | 379,344,000.00 | 382,760,000.00 | 383,564,000.00 | 393,765,000.00 | 363,684,000.00 | 362,078,000.00 | 358,134,000.00 | 375,650,000.00 | 351,508,000.00 | 353,802,000.00 | 254,112,000.00 | 314,317,000.00 |
| Deposits | 1,211,284,000.00 | 1,154,078,000.00 | 1,157,371,000.00 | 1,137,150,000.00 | 1,108,443,000.00 | 1,080,473,000.00 | 1,072,475,000.00 | 1,058,516,000.00 | 1,041,877,000.00 | 1,035,962,000.00 | 1,016,748,000.00 | 1,035,162,000.00 | 1,023,987,000.00 | 1,017,905,000.00 | 1,029,451,000.00 | 1,003,463,000.00 | 994,012,000.00 | 999,633,000.00 | 613,198,000.00 | 692,782,000.00 |
| Cash and Short-Term Investments | 15,215,000.00 | 15,108,000.00 | 20,073,000.00 | 15,243,000.00 | 16,852,000.00 | 14,608,000.00 | 14,008,000.00 | 11,898,000.00 | 3,402,000.00 | 3,910,000.00 | 4,378,000.00 | 3,727,000.00 | 3,561,000.00 | 3,540,000.00 | 3,980,000.00 | 3,533,000.00 | 3,429,000.00 | 3,627,000.00 | 2,021,000.00 | 2,334,000.00 |
| Cash and Cash Equivalents | 13,232,000.00 | 10,947,000.00 | 15,928,000.00 | 13,332,000.00 | 12,840,000.00 | 12,783,000.00 | 12,405,000.00 | 10,323,000.00 | 1,860,000.00 | 1,846,000.00 | 1,771,000.00 | 2,010,000.00 | 1,901,000.00 | 1,989,000.00 | 1,806,000.00 | 2,203,000.00 | 2,054,000.00 | 2,150,000.00 | 1,148,000.00 | 1,436,000.00 |
| Short-Term Investments | 1,983,000.00 | 4,161,000.00 | 4,145,000.00 | 1,911,000.00 | 4,012,000.00 | 1,825,000.00 | 1,603,000.00 | 1,575,000.00 | 1,542,000.00 | 2,064,000.00 | 2,607,000.00 | 1,717,000.00 | 1,660,000.00 | 1,551,000.00 | 2,174,000.00 | 1,330,000.00 | 1,375,000.00 | 1,477,000.00 | 873,000.00 | 898,000.00 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,030,000.00 | 2,107,000.00 | 2,218,000.00 | 0 | 0 |
| 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 | 1,112,000.00 | 1,104,000.00 | 1,085,000.00 | 1,344,000.00 | 1,093,000.00 | 1,095,000.00 | 1,095,000.00 | 1,374,000.00 | 1,096,000.00 | 1,128,000.00 | 1,136,000.00 | 1,435,000.00 | 1,171,000.00 | 1,175,000.00 | 1,173,000.00 | 1,480,000.00 | 1,126,000.00 | 1,128,000.00 | 747,000.00 | 956,000.00 |
| Goodwill | 5,547,000.00 | 5,561,000.00 | 5,561,000.00 | 5,561,000.00 | 5,561,000.00 | 5,561,000.00 | 5,561,000.00 | 5,561,000.00 | 5,561,000.00 | 5,561,000.00 | 5,561,000.00 | 5,571,000.00 | 5,571,000.00 | 5,571,000.00 | 5,349,000.00 | 5,349,000.00 | 5,316,000.00 | 5,316,000.00 | 1,990,000.00 | 1,990,000.00 |
| Intangible Assets | 0 | 0 | 0 | 444,000.00 | 0 | 0 | 0 | 477,000.00 | 0 | 0 | 0 | 492,000.00 | 0 | 0 | 0 | 497,000.00 | 497,000.00 | 510,000.00 | 0 | 411,000.00 |
| 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 | 0 | 0 | 0 | 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 | 0 | 0 | 0 |
| Liabilities | 191,649,000.00 | 190,791,000.00 | 193,013,000.00 | 197,009,000.00 | 184,068,000.00 | 181,231,000.00 | 178,924,000.00 | 179,509,000.00 | 171,506,000.00 | 173,063,000.00 | 173,695,000.00 | 173,513,000.00 | 165,223,000.00 | 163,459,000.00 | 160,987,000.00 | 161,358,000.00 | 156,729,000.00 | 156,687,000.00 | 113,708,000.00 | 116,585,000.00 |
| 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 | 1,650,000.00 | 4,306,000.00 | 5,032,000.00 | 1,194,000.00 | 5,208,000.00 | 1,122,000.00 | 1,092,000.00 | 3,720,000.00 | 4,086,000.00 | 10,080,000.00 | 41,388,000.00 | 12,162,000.00 | 2,556,000.00 | 18,288,000.00 | 3,912,000.00 | 2,004,000.00 | 2,610,000.00 | 2,346,000.00 | 1,095,000.00 | 1,098,000.00 |
| 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 | 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 | 303,410,000.00 | 245,793,000.00 | 234,485,000.00 | 248,238,000.00 | 224,879,000.00 | 219,551,000.00 | 216,357,000.00 | 231,195,000.00 | 207,838,000.00 | 209,697,000.00 | 209,869,000.00 | 220,252,000.00 | 198,461,000.00 | 198,619,000.00 | 197,147,000.00 | 214,292,000.00 | 194,779,000.00 | 197,115,000.00 | 140,404,000.00 | 197,732,000.00 |
| Shareholders Equity | 22,248,000.00 | 20,928,000.00 | 15,568,000.00 | 33,748,000.00 | 16,398,000.00 | 13,693,000.00 | 13,564,000.00 | 33,354,000.00 | 11,239,000.00 | 12,776,000.00 | 13,248,000.00 | 29,266,000.00 | 10,584,000.00 | 13,754,000.00 | 15,824,000.00 | 38,135,000.00 | 19,229,000.00 | 20,657,000.00 | 27,144,000.00 | 39,171,000.00 |
| Capital Stock | 2,746,000.00 | 2,004,000.00 | 2,004,000.00 | 2,004,000.00 | 2,409,000.00 | 2,409,000.00 | 2,409,000.00 | 2,409,000.00 | 2,499,000.00 | 2,499,000.00 | 2,499,000.00 | 2,181,000.00 | 2,181,000.00 | 2,181,000.00 | 2,181,000.00 | 2,181,000.00 | 2,282,000.00 | 2,866,000.00 | 2,686,000.00 | 2,201,000.00 |
| Share Premium | 15,537,000.00 | 15,506,000.00 | 15,479,000.00 | 15,484,000.00 | 15,455,000.00 | 15,425,000.00 | 15,407,000.00 | 15,389,000.00 | 15,363,000.00 | 15,335,000.00 | 15,332,000.00 | 15,309,000.00 | 15,282,000.00 | 15,261,000.00 | 15,255,000.00 | 15,222,000.00 | 15,350,000.00 | 15,830,000.00 | 8,806,000.00 | 8,781,000.00 |
| Retained Earnings | 6,123,000.00 | 5,751,000.00 | 5,474,000.00 | 5,204,000.00 | 4,935,000.00 | 4,682,000.00 | 4,476,000.00 | 4,322,000.00 | 4,334,000.00 | 4,052,000.00 | 3,764,000.00 | 3,419,000.00 | 3,029,000.00 | 2,691,000.00 | 2,408,000.00 | 2,202,000.00 | 2,051,000.00 | 1,939,000.00 | 2,223,000.00 | 1,878,000.00 |
| Treasury Shares | 87,000.00 | 87,000.00 | 90,000.00 | 86,000.00 | 89,000.00 | 90,000.00 | 91,000.00 | 91,000.00 | 91,000.00 | 92,000.00 | 82,000.00 | 80,000.00 | 80,000.00 | 85,000.00 | 78,000.00 | 79,000.00 | 79,000.00 | 105,000.00 | 59,000.00 | 59,000.00 |
| Accumulated Other Comprehensive Income | -2,071,000.00 | -2,246,000.00 | -2,433,000.00 | -2,866,000.00 | -2,104,000.00 | -2,911,000.00 | -2,879,000.00 | -2,676,000.00 | -3,622,000.00 | -3,006,000.00 | -2,755,000.00 | -3,098,000.00 | -3,276,000.00 | -2,098,000.00 | -1,314,000.00 | -229,000.00 | -125,000.00 | -19,000.00 | -56,000.00 | 192,000.00 |
| Minority Interest | 38,000.00 | 42,000.00 | 52,000.00 | 42,000.00 | 46,000.00 | 48,000.00 | 51,000.00 | 45,000.00 | 47,000.00 | 50,000.00 | 53,000.00 | 38,000.00 | 35,000.00 | 29,000.00 | 29,000.00 | 21,000.00 | 20,000.00 | 20,000.00 | 0 | 0 |
| Investments | 1,983,000.00 | 4,161,000.00 | 4,145,000.00 | 1,911,000.00 | 4,012,000.00 | 1,825,000.00 | 1,603,000.00 | 380,213,000.00 | 1,542,000.00 | 2,064,000.00 | 2,607,000.00 | 368,128,000.00 | 1,660,000.00 | 85,448,000.00 | 86,570,000.00 | 395,416,000.00 | 365,264,000.00 | 145,164,000.00 | 109,914,000.00 | 109,511,000.00 |
| Debt | 119,653,000.00 | 122,567,000.00 | 127,787,000.00 | 112,649,000.00 | 110,286,000.00 | 111,742,000.00 | 102,164,000.00 | 86,983,000.00 | 90,153,000.00 | 106,194,000.00 | 127,651,000.00 | 78,937,000.00 | 70,118,000.00 | 71,951,000.00 | 49,294,000.00 | 51,430,000.00 | 58,054,000.00 | 54,712,000.00 | 37,335,000.00 | 59,550,000.00 |
| Net Debt | 104,438,000.00 | 107,459,000.00 | 107,714,000.00 | 97,406,000.00 | 93,434,000.00 | 97,134,000.00 | 88,156,000.00 | 75,085,000.00 | 86,751,000.00 | 102,284,000.00 | 123,273,000.00 | 75,210,000.00 | 66,557,000.00 | 68,411,000.00 | 45,314,000.00 | 47,897,000.00 | 54,625,000.00 | 51,085,000.00 | 35,314,000.00 | 57,216,000.00 |
| Common Shares Outstanding | 2,925,688.76 | 2,924,573.04 | 2,920,787.62 | 2,914,255.81 | 2,912,797.39 | 2,912,188.84 | 2,905,922.15 | 2,904,042.95 | 2,903,542.09 | 2,903,194.43 | 2,893,694.97 | 2,892,458.04 | 2,891,810.25 | 2,891,079.34 | 1,439,174.66 | 1,437,742.17 | 1,446,461.25 | 1,476,557.43 | 1,018,052.92 | 1,017,196.78 |
| Preferred Shares Outstanding | 885.00 | 877.50 | 877.50 | 877.50 | 881.59 | 881.59 | 881.59 | 881.59 | 882.50 | 882.50 | 882.50 | 557.50 | 557.50 | 557.50 | 557.50 | 557.50 | 657.50 | 1,257.50 | 1,250.50 | 1,101.00 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 1,152,000.00 | 728,000.00 | 351,000.00 | -622,000.00 | 1,058,000.00 | 696,000.00 | 336,000.00 | -733,000.00 | 1,047,000.00 | 709,000.00 | 377,000.00 | -595,000.00 | 975,000.00 | 630,000.00 | 308,000.00 | -382,000.00 | 794,000.00 | 479,000.00 | 222,000.00 |
| Cost Of Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7,000.00 | -260,000.00 | 56,000.00 | 145,000.00 | 60,000.00 |
| Interest Income | 8,099,000.00 | 5,345,000.00 | 2,632,000.00 | -5,025,000.00 | 7,907,000.00 | 5,165,000.00 | 2,524,000.00 | -4,099,000.00 | 6,946,000.00 | 4,490,000.00 | 2,110,000.00 | -1,853,000.00 | 4,181,000.00 | 2,558,000.00 | 1,208,000.00 | -1,511,000.00 | 3,049,000.00 | 1,827,000.00 | 880,000.00 |
| Interest Expense | 3,246,000.00 | 2,152,000.00 | 1,063,000.00 | -2,235,000.00 | 3,461,000.00 | 2,257,000.00 | 1,093,000.00 | -1,083,000.00 | 2,443,000.00 | 1,498,000.00 | 619,000.00 | 224,000.00 | 304,000.00 | 119,000.00 | 49,000.00 | -59,000.00 | 39,000.00 | 6,000.00 | 103,000.00 |
| Net Interest | 4,399,000.00 | 2,893,000.00 | 1,426,000.00 | -2,491,000.00 | 3,950,000.00 | 2,599,000.00 | 1,287,000.00 | -2,848,000.00 | 4,123,000.00 | 2,755,000.00 | 1,409,000.00 | -2,091,000.00 | 3,811,000.00 | 2,407,000.00 | 1,146,000.00 | -1,650,000.00 | 2,970,000.00 | 1,810,000.00 | 972,000.00 |
| Non-Interest Income | 4,779,000.00 | 2,895,000.00 | 494,000.00 | -866,000.00 | 1,481,000.00 | 958,000.00 | 467,000.00 | -1,114,000.00 | 1,516,000.00 | 1,007,000.00 | 512,000.00 | -984,000.00 | 1,482,000.00 | 984,000.00 | 499,000.00 | -719,000.00 | 1,374,000.00 | 839,000.00 | 395,000.00 |
| Non-Interest Expense | 3,595,000.00 | 2,349,000.00 | 1,152,000.00 | 2,897,000.00 | 3,384,000.00 | 2,254,000.00 | 1,137,000.00 | 3,148,000.00 | 3,226,000.00 | 2,136,000.00 | 1,086,000.00 | 2,438,000.00 | 3,124,000.00 | 2,071,000.00 | 1,053,000.00 | -1,898,000.00 | 6,832,000.00 | 4,020,000.00 | 793,000.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7,000.00 | -30,000.00 | -56,000.00 | 145,000.00 | -60,000.00 |
| Gross Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 301,000.00 | -122,000.00 | 738,000.00 | 334,000.00 | 162,000.00 |
| Selling, General and Administrative Expenses | 883,000.00 | 585,000.00 | 301,000.00 | -794,000.00 | 948,000.00 | 626,000.00 | 321,000.00 | -491,000.00 | 779,000.00 | 521,000.00 | 256,000.00 | -541,000.00 | 773,000.00 | 523,000.00 | 269,000.00 | -279,000.00 | 935,000.00 | 485,000.00 | 188,000.00 |
| EBT | 2,057,000.00 | 1,291,000.00 | 653,000.00 | -937,000.00 | 1,734,000.00 | 1,096,000.00 | 510,000.00 | -1,952,000.00 | 2,137,000.00 | 1,449,000.00 | 750,000.00 | -1,002,000.00 | 1,971,000.00 | 1,228,000.00 | 567,000.00 | -777,000.00 | 1,101,000.00 | 633,000.00 | 634,000.00 |
| Income Tax | 351,000.00 | 218,000.00 | 122,000.00 | 227,000.00 | 308,000.00 | 192,000.00 | 86,000.00 | -85,000.00 | 414,000.00 | 278,000.00 | 144,000.00 | 285,000.00 | 371,000.00 | 225,000.00 | 105,000.00 | 108,000.00 | 206,000.00 | 116,000.00 | 102,000.00 |
| Net Income Including Non-Controlling Interests | 1,678,000.00 | 1,053,000.00 | 523,000.00 | -770,000.00 | 1,394,000.00 | 882,000.00 | 414,000.00 | -1,491,000.00 | 1,693,000.00 | 1,131,000.00 | 598,000.00 | -812,000.00 | 1,586,000.00 | 995,000.00 | 458,000.00 | -117,000.00 | 893,000.00 | 517,000.00 | 0 |
| Net Income Non-Controlling Interests | 14,000.00 | 10,000.00 | 4,000.00 | -12,000.00 | 16,000.00 | 11,000.00 | 5,000.00 | -29,000.00 | 15,000.00 | 30,000.00 | 4,000.00 | -2,000.00 | 7,000.00 | 4,000.00 | 2,000.00 | 1,000.00 | 1,000.00 | 0.00 | 0 |
| Net Income | 1,692,000.00 | 1,063,000.00 | 527,000.00 | -782,000.00 | 1,410,000.00 | 893,000.00 | 419,000.00 | -1,520,000.00 | 1,708,000.00 | 1,161,000.00 | 602,000.00 | -814,000.00 | 1,593,000.00 | 999,000.00 | 460,000.00 | -648,000.00 | 894,000.00 | 517,000.00 | 532,000.00 |
| EBIT | 5,303,000.00 | 3,443,000.00 | 1,716,000.00 | -3,172,000.00 | 5,195,000.00 | 3,353,000.00 | 1,603,000.00 | -3,035,000.00 | 4,580,000.00 | 2,947,000.00 | 1,369,000.00 | -778,000.00 | 2,275,000.00 | 1,347,000.00 | 616,000.00 | -836,000.00 | 1,140,000.00 | 639,000.00 | 737,000.00 |
| Deprecation and Amortization | 572,000.00 | 397,000.00 | 209,000.00 | -413,000.00 | 492,000.00 | 360,000.00 | 190,000.00 | -246,000.00 | 558,000.00 | 344,000.00 | 142,000.00 | -212,000.00 | 355,000.00 | 207,000.00 | 112,000.00 | -230,000.00 | 299,000.00 | 274,000.00 | 71,000.00 |
| EBITDA | 5,875,000.00 | 3,840,000.00 | 1,925,000.00 | -3,585,000.00 | 5,687,000.00 | 3,713,000.00 | 1,793,000.00 | -3,281,000.00 | 5,138,000.00 | 3,291,000.00 | 1,511,000.00 | -990,000.00 | 2,630,000.00 | 1,554,000.00 | 728,000.00 | -1,066,000.00 | 1,439,000.00 | 913,000.00 | 808,000.00 |
| 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 | 1,456,979.00 | 1,455,904.00 | 1,454,498.00 | 1,456,548.00 | 1,450,794.00 | 1,449,850.00 | 1,448,492.00 | 1,451,830.00 | 1,445,878.00 | 1,444,820.00 | 1,443,268.00 | 1,446,135.00 | 1,440,740.00 | 1,439,814.00 | 1,438,427.00 | 1,759,189.00 | 1,201,763.00 | 1,071,276.00 | 1,017,512.00 |
| Average Shares Outstanding Diluted | 1,482,677.00 | 1,481,541.00 | 1,481,879.00 | 1,483,777.00 | 1,474,859.00 | 1,473,797.00 | 1,473,335.00 | 1,467,748.00 | 1,467,537.00 | 1,467,500.00 | 1,469,279.00 | 1,468,509.00 | 1,464,234.00 | 1,463,810.00 | 1,464,327.00 | 1,786,027.00 | 1,225,428.00 | 1,094,474.00 | 1,041,003.00 |
| 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 | 1,554,000.00 | 1,067,000.00 | 513,000.00 | 1,927,000.00 | 331,000.00 | 769,000.00 | 464,000.00 | 1,638,000.00 | 1,759,000.00 | 760,000.00 | 130,000.00 | -32,000.00 | 2,670,000.00 | 1,824,000.00 | 849,000.00 | 603,000.00 | 1,565,000.00 | 988,000.00 | -111,000.00 |
| Operating Net Income | 5,104,000.00 | 3,209,000.00 | 1,589,000.00 | -2,370,000.00 | 4,262,000.00 | 2,701,000.00 | 1,267,000.00 | -4,568,000.00 | 5,154,000.00 | 3,493,000.00 | 1,814,000.00 | -437,000.00 | 4,786,000.00 | 1,003,000.00 | 1,384,000.00 | -670,000.00 | 895,000.00 | 2,068,000.00 | 1,596,000.00 |
| Deprecation and Amortization | 572,000.00 | 397,000.00 | 209,000.00 | -413,000.00 | 492,000.00 | 360,000.00 | 190,000.00 | -246,000.00 | 558,000.00 | 344,000.00 | 142,000.00 | -212,000.00 | 355,000.00 | 207,000.00 | 112,000.00 | -230,000.00 | 299,000.00 | 274,000.00 | 71,000.00 |
| Deferred Income Tax | -267,000.00 | -173,000.00 | -25,000.00 | 85,000.00 | -55,000.00 | -27,000.00 | -29,000.00 | -407,000.00 | 12,000.00 | 38,000.00 | 55,000.00 | -5,000.00 | 164,000.00 | 108,000.00 | 52,000.00 | -211,000.00 | 40,000.00 | 34,000.00 | 61,000.00 |
| Share Based Compensation | 84,000.00 | 53,000.00 | 21,000.00 | -48,000.00 | 81,000.00 | 53,000.00 | 20,000.00 | -49,000.00 | 73,000.00 | 48,000.00 | 25,000.00 | -80,000.00 | 82,000.00 | 63,000.00 | 40,000.00 | -62,000.00 | 97,000.00 | 66,000.00 | 28,000.00 |
| Change in Working Capital | -188,000.00 | 750,000.00 | 384,000.00 | -477,000.00 | 340,000.00 | 27,000.00 | 45,000.00 | -154,000.00 | 98,000.00 | 109,000.00 | 23,000.00 | -40,000.00 | -23,000.00 | -5,000.00 | 30,000.00 | 155,000.00 | -52,000.00 | -51,000.00 | -11,000.00 |
| Other Operating Activities | -3,751,000.00 | -3,169,000.00 | -1,665,000.00 | 5,150,000.00 | -4,789,000.00 | -2,345,000.00 | -1,029,000.00 | 7,062,000.00 | -4,136,000.00 | -3,272,000.00 | -1,929,000.00 | 742,000.00 | -2,694,000.00 | 448,000.00 | -769,000.00 | 1,621,000.00 | 286,000.00 | -1,403,000.00 | -1,856,000.00 |
| Investing Cash Flow | -4,911,000.00 | -4,645,000.00 | -2,150,000.00 | -432,000.00 | -7,335,000.00 | -4,454,000.00 | -2,262,000.00 | -1,138,000.00 | 312,000.00 | -1,132,000.00 | -2,299,000.00 | 12,593,000.00 | -10,346,000.00 | -9,205,000.00 | -5,355,000.00 | -8,192,000.00 | 789,000.00 | 3,986,000.00 | -376,000.00 |
| 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 | 149,000.00 | 108,000.00 | 54,000.00 | -79,000.00 | 116,000.00 | 74,000.00 | 32,000.00 | -22,000.00 | 80,000.00 | 57,000.00 | 25,000.00 | -147,000.00 | 165,000.00 | 123,000.00 | 73,000.00 | -31,000.00 | 157,000.00 | 99,000.00 | 22,000.00 |
| Net Purchase/Sale of Investments Net | 12,137,000.00 | 8,925,000.00 | 4,169,000.00 | -9,068,000.00 | 20,897,000.00 | 12,420,000.00 | 5,210,000.00 | -2,271,000.00 | 6,109,000.00 | 4,603,000.00 | 2,440,000.00 | -18,235,000.00 | 15,580,000.00 | 12,505,000.00 | 7,963,000.00 | -6,746,000.00 | 32,923,000.00 | 12,945,000.00 | 2,790,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -417,000.00 | 223,000.00 | 223,000.00 | 0 | -218,000.00 | 466,000.00 | 466,000.00 | 0 |
| Net Loan & Lease Activity | 10,705,000.00 | 5,629,000.00 | 11,774,000.00 | -936,000.00 | 9,463,000.00 | ||||||||||||||
| Other Investing Activities | -27,115,000.00 | -19,700,000.00 | -9,305,000.00 | 9,662,000.00 | -34,659,000.00 | -20,820,000.00 | -8,973,000.00 | 4,793,000.00 | -9,505,000.00 | -9,070,000.00 | -7,125,000.00 | 37,630,000.00 | -35,626,000.00 | -28,618,000.00 | -15,529,000.00 | -6,436,000.00 | -29,886,000.00 | -7,198,000.00 | -2,210,000.00 |
| Financing Cash Flow | 3,248,000.00 | 1,090,000.00 | 4,100,000.00 | -5,599,000.00 | 9,460,000.00 | 6,102,000.00 | 3,849,000.00 | -9,370,000.00 | 2,660,000.00 | 4,747,000.00 | 5,834,000.00 | -6,928,000.00 | 6,530,000.00 | 5,767,000.00 | 3,508,000.00 | -6,922,000.00 | 796,000.00 | 1,686,000.00 | 2,481,000.00 |
| Net Issuance/Repayment of Debt | 4,095,000.00 | 2,999,000.00 | 2,249,000.00 | -1,629,000.00 | 7,675,000.00 | 5,688,000.00 | 2,437,000.00 | -28,704,000.00 | 25,463,000.00 | 21,923,000.00 | 8,937,000.00 | 6,691,000.00 | 8,064,000.00 | 6,442,000.00 | 1,129,000.00 | 66,000.00 | 2,233,000.00 | 1,433,000.00 | 1,223,000.00 |
| Net Issuance/Repurchase of Equity | 741,000.00 | 0 | 0 | 410,000.00 | 0 | 0 | 0 | -153,000.00 | 317,000.00 | 317,000.00 | 317,000.00 | 0 | 0 | 0 | 0 | 1,116,000.00 | 1,586,000.00 | 485,000.00 | 485,000.00 |
| Dividends Paid | 761,000.00 | 507,000.00 | 253,000.00 | -522,000.00 | 784,000.00 | 522,000.00 | 262,000.00 | -497,000.00 | 771,000.00 | 506,000.00 | 254,000.00 | -505,000.00 | 757,000.00 | 505,000.00 | 253,000.00 | -314,000.00 | 640,000.00 | 374,000.00 | 188,000.00 |
| Other Financing Activities | -2,349,000.00 | -2,416,000.00 | 1,598,000.00 | -3,858,000.00 | 1,001,000.00 | -108,000.00 | 1,150,000.00 | 19,984,000.00 | -23,891,000.00 | -17,999,000.00 | -3,674,000.00 | -13,114,000.00 | -2,291,000.00 | -1,180,000.00 | 2,126,000.00 | -7,790,000.00 | -3,663,000.00 | -606,000.00 | 585,000.00 |
| Net Change in Cash | -109,000.00 | -2,488,000.00 | 2,463,000.00 | -4,104,000.00 | 2,456,000.00 | 2,417,000.00 | 2,051,000.00 | -8,870,000.00 | 4,731,000.00 | 4,375,000.00 | 3,665,000.00 | 5,633,000.00 | -1,146,000.00 | -1,614,000.00 | -998,000.00 | -14,511,000.00 | 3,150,000.00 | 6,660,000.00 | 1,994,000.00 |
| Cash at Beginning of Period | 12,847,000.00 | 12,847,000.00 | 12,847,000.00 | 16,951,000.00 | 10,129,000.00 | 10,129,000.00 | 10,129,000.00 | 18,999,000.00 | 6,704,000.00 | 6,704,000.00 | 6,704,000.00 | 1,071,000.00 | 5,522,000.00 | 5,522,000.00 | 5,522,000.00 | 20,033,000.00 | 6,595,000.00 | 6,595,000.00 | 6,595,000.00 |
| Cash at End of Period | 12,738,000.00 | 10,359,000.00 | 15,310,000.00 | 12,847,000.00 | 12,585,000.00 | 12,546,000.00 | 12,180,000.00 | 10,129,000.00 | 11,435,000.00 | 11,079,000.00 | 10,369,000.00 | 6,704,000.00 | 4,376,000.00 | 3,908,000.00 | 4,524,000.00 | 5,522,000.00 | 9,745,000.00 | 13,255,000.00 | 8,589,000.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |