Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 12.78 8.65 12.52 11.12 12.81
Price to Sales 20.31 33.54 31.96 30.65 27.21
Book Value Per Common Share 522.09 483.36 463.81 416.50 377.02
Price to Book 0.36 0.28 0.31 0.37 0.34
Price to Operating Cash Flow 6.59 3.91 3.37 5.33 11.15
Price to Free Cash Flow
Enterprise Value to EBITDA 20027.65 32360.33 71703.89 73413.37 73548.56
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
Price to Earnings 15.92 25.59 53.68 16.45 22.29 47.84 9.66 13.62 29.67 24.56 45.93 64.45 14.30 21.56 45.53
Price to Sales 25.50 38.54 73.93 25.84 33.42 151.31 40.38 56.35 103.49 51.83 68.00 129.16 40.37 58.58 124.91
Book Value Per Common Share 361.67 354.14 353.65 346.29 337.70 322.89 309.04 304.21 298.75 309.17 333.24 274.34 270.91 258.65 254.83
Price to Book 0.55 0.55 0.51 0.51 0.45 0.45 0.41 0.41 0.40 0.57 0.48 0.62 0.55 0.56 0.59
Price to Operating Cash Flow 12.72 21.21 46.22 15.35 12.86 39.82 6.78 12.25 46.88 7.82 9.84 16.87 9.52 12.20 19.59
Price to Free Cash Flow
Enterprise Value to EBITDA 26351.02 41210.93 82952.92 49461.71 64488.24 136044.95 40272.07 60675.07 136219.43 149358.51 271004.53 415289.34 95089.95 142845.10 299265.63

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -7.19 36.76 -16.08 38.93
Revenue YoY 126.62 -8.20 14.89 7.12
EBITDA YoY 121.83 113.49 22.71 20.84
Net Profit YoY -5.58 37.62 7.15 37.36
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
Earning YoY 63.72 127.63 59.50 123.36 44.00 125.56 106.92 31.94 54.90 102.40
Revenue YoY 51.97 105.04 52.19 371.88 42.34 88.99 51.93 112.33 49.18 104.47
EBITDA YoY 57.29 115.12 -10.09 53.43 119.90 53.66 131.04 110.18 71.33 54.41 100.89
Net Profit YoY 60.92 122.60 60.79 123.35 43.98 123.58 111.54 60.06 54.73 102.42

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 466.34 685.30 621.20 1312.31 747.90
Quick Ratio
Current Ratio
Debt to Equity 2.69 2.90 2.97 3.57 3.69
Long-Term Debt to Equity
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
Cash Per Common Share 431.96 490.51 516.01 599.21 605.54 782.60 734.14 661.20 542.79 488.74 883.54 1128.49 1207.03 1064.27 987.20
Quick Ratio
Current Ratio
Debt to Equity 4.64 4.67 4.58 4.70 4.76 5.08 5.08 5.12 5.14 5.11 5.21 6.26 6.58 6.97 7.15
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 1.02 1.10 0.84 1.05 0.83
ROE 3.78 4.30 3.33 4.79 3.90
Gross Margin
Operating Margin 915.25 989.41 409.91 398.49 348.23
EBITDA Margin 1014.15 1036.03 445.51 417.12 369.75
Net Profit Margin 167.94 403.09 268.88 288.30 224.82
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 0.94 0.58 0.26 0.86 0.54 0.24 1.03 0.72 0.33 0.59 0.27 0.24 0.90 0.59 0.29
ROE 5.32 3.31 1.48 4.91 3.13 1.44 6.27 4.42 2.03 3.63 1.70 1.72 6.86 4.71 2.39
Gross Margin 80.43 70.27
Operating Margin 876.56 841.40 792.95 489.38 484.11 1080.63 975.26 904.02 740.39 326.23 231.14 295.13 408.60 395.52 402.58
EBITDA Margin 967.74 935.01 891.18 522.37 518.15 1111.88 1002.28 928.49 759.50 346.97 250.80 310.84 424.20 409.82 417.12
Net Profit Margin 169.12 159.71 147.10 165.97 157.09 331.88 433.22 428.29 362.03 224.65 161.34 214.03 294.35 283.79 286.66

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 2024-09-30 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
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Assets 252,931,000.00 248,271,000.00 237,254,214.00 177,411,557.00 162,496,465.00
   Deposits 221,591,000.00 443,398,000.00 466,011,618.00 383,337,541.00 329,028,244.00
      Cash and Short-Term Investments 77,635,000.00 114,007,000.00 101,364,120.00 168,826,793.00 96,207,983.00
            Cash and Cash Equivalents 77,635,000.00 114,007,000.00 101,364,120.00 168,826,793.00 96,207,983.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 0 132,122,000.00 129,492,304.00 92,040,032.00 97,628,892.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 2,274,000.00 2,355,000.00 2,269,710.00 1,524,467.00 1,574,232.00
      Goodwill 8,465,000.00 8,465,000.00 8,490,089.00 4,593,112.00 4,593,112.00
      Intangible Assets 94,000.00 147,000.00 209,374.00 3,998.00 14,165.00
      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 184,377,000.00 184,557,000.00 177,418,234.00 138,604,747.00 127,821,899.00
      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 1,060,000.00 5,316,000.00 3,554,951.00 47,046.00 59,482.00
      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 68,554,000.00 63,714,000.00 59,835,980.00 38,806,810.00 34,674,566.00
   Shareholders Equity 86,917,000.00 80,412,000.00 75,681,292.00 53,582,637.00 48,498,817.00
      Capital Stock 4,878,000.00 4,112,000.00 4,110,918.00 3,579,871.00 2,579,871.00
      Share Premium 9,998,000.00 10,020,000.00 10,002,891.00 6,635,000.00 6,617,404.00
      Retained Earnings 19,079,000.00 17,524,000.00 15,753,978.00 14,646,448.00 13,461,428.00
      Treasury Shares 2,371,000.00 2,230,000.00 1,750,279.00 5,081,548.00 5,142,732.00
      Accumulated Other Comprehensive Income -164,000.00 -459,000.00 -790,030.00 -127,578.00 -63,032.00
   Minority Interest 0 0 0 0 0
Investments 140,244,000.00 198,844,000.00 190,088,090.00 57,900,844.00 60,802,986.00
Debt 72,630,000.00 44,902,000.00 23,839,385.00 17,049,980.00 20,526,147.00
Common Shares Outstanding 0 0 0 0 0
Preferred Shares Outstanding 10,215.00 0 0 0 0
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 1,541,000.00 680,000.00 740,717.00 644,716.00 601,884.00
Interest Income 11,029,000.00 10,228,000.00 6,249,046.00 3,939,927.00 4,200,763.00
Interest Expense 4,174,000.00 3,109,000.00 425,164.00 114,006.00 326,395.00
Net Interest 20,556,000.00 7,115,000.00 5,821,956.00 3,824,778.00 3,866,317.00
Non-Interest Income 7,285,000.00 5,496,000.00 5,405,405.00 4,816,340.00 4,502,810.00
Non-Interest Expense 5,421,000.00 5,419,000.00 5,100,452.00 3,647,029.00 3,418,944.00
   Selling, General and Administrative Expenses 1,452,000.00 1,065,000.00 1,011,827.00 719,472.00 682,290.00
EBT 9,930,000.00 3,619,000.00 2,611,123.00 2,455,149.00 1,769,521.00
Income Tax 2,115,000.00 1,704,000.00 1,206,707.00 1,175,908.00 821,930.00
Net Income 2,588,000.00 2,741,000.00 1,991,663.00 1,858,746.00 1,353,152.00
EBIT 14,104,000.00 6,728,000.00 3,036,287.00 2,569,155.00 2,095,916.00
Deprecation and Amortization 1,524,000.00 317,000.00 263,711.00 120,101.00 129,559.00
EBITDA 15,628,000.00 7,045,000.00 3,299,998.00 2,689,256.00 2,225,475.00
EPS 0.01 0.02 0.01 0.01 0.01
Diluted EPS 0.01 0.02 0.01 0.01 0.01
Average Shares Outstanding Basic 166,479.00 166,361.00 163,174.00 128,649.00 128,638.00
Average Shares Outstanding Diluted 167,319.00 167,002.00 164,030.00 128,812.00 128,704.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 4,747,000.00 5,826,000.00 7,028,972.00 3,706,371.00 1,468,966.00
   Operating Net Income 10,352,000.00 8,216,000.00 5,947,133.00 5,545,127.00 4,034,714.00
   Deprecation and Amortization 1,524,000.00 317,000.00 263,711.00 120,101.00 129,559.00
   Deferred Income Tax -35,000.00 -102,000.00 -22,500.00 97,515.00 -30,212.00
   Share Based Compensation 0 0 0 0 0
   Change in Working Capital -220,000.00 -295,000.00 -1,157,238.00 -619,622.00 980,205.00
   Other Operating Activities -6,874,000.00 -2,310,000.00 1,997,866.00 -1,436,750.00 -3,645,300.00
Investing Cash Flow -550,000.00 -7,874,000.00 16,592,736.00 -13,631,599.00 -22,020,481.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 216,000.00 256,000.00 214,388.00 149,213.00 172,289.00
   Net Purchase/Sale of Investments Net 22,475,000.00 5,688,000.00 12,017,246.00 4,163,771.00 2,294,644.00
   Net Purchase/Sale of Business 0 0 393,923.00 0 0
   Net Loan & Lease Activity 2,030,000.00 2,770,000.00 3,639,040.00 -5,676,670.00 7,231,694.00
   Other Investing Activities -25,271,000.00 -16,588,000.00 328,139.00 -12,267,913.00 -31,719,108.00
Financing Cash Flow -2,882,000.00 4,180,000.00 -20,983,809.00 10,701,474.00 21,347,732.00
   Net Issuance/Repayment of Debt 9,052,000.00 8,607,000.00 2,405,030.00 862,591.00 2,665,023.00
   Net Issuance/Repurchase of Equity 2,258,000.00 594,000.00 1,800,000.00 495,000.00 373,750.00
   Dividends Paid 2,066,000.00 1,936,000.00 1,762,032.00 1,296,920.00 1,272,736.00
   Other Financing Activities -16,258,000.00 -6,957,000.00 -26,950,871.00 8,046,963.00 17,036,223.00
Net Change in Cash 422,000.00 1,790,000.00 574,442.00 -215,166.00 116,438.00
   Cash at Beginning of Period 1,487,000.00 -59,000.00 945,802.00 1,552,743.00 1,436,305.00
   Cash at End of Period 1,909,000.00 1,731,000.00 1,520,244.00 1,337,577.00 1,552,743.00
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 221,877,000.00 222,284,000.00 220,921,000.00 252,931,000.00 221,785,000.00 218,355,000.00 224,937,000.00 248,271,000.00 218,924,316.00 217,371,729.00 212,156,407.00 237,254,214.00 206,480,479.00 212,432,889.00 153,063,552.00 177,411,557.00 154,801,194.00 153,122,707.00 152,781,060.00 162,496,465.00
   Deposits 226,440,000.00 229,532,000.00 231,639,000.00 221,591,000.00 228,410,000.00 225,152,000.00 298,804,000.00 443,398,000.00 459,226,875.00 457,894,814.00 450,187,646.00 466,011,618.00 475,145,530.00 480,944,450.00 370,502,979.00 383,337,541.00 366,732,398.00 363,392,436.00 359,691,137.00 329,028,244.00
      Cash and Short-Term Investments 68,954,000.00 79,316,000.00 84,733,000.00 77,635,000.00 99,884,000.00 100,946,000.00 130,271,000.00 114,007,000.00 122,226,008.00 110,275,982.00 91,043,440.00 101,364,120.00 78,430,394.00 135,438,090.00 145,512,988.00 168,826,793.00 155,262,864.00 136,869,764.00 126,891,897.00 96,207,983.00
            Cash and Cash Equivalents 68,954,000.00 79,316,000.00 84,733,000.00 77,635,000.00 99,884,000.00 100,946,000.00 130,271,000.00 114,007,000.00 122,226,008.00 110,275,982.00 91,043,440.00 101,364,120.00 78,430,394.00 135,438,090.00 145,512,988.00 168,826,793.00 155,262,864.00 136,869,764.00 126,891,897.00 96,207,983.00
            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 0 0 0 0 0 0 0 132,122,000.00 0 0 0 129,492,304.00 123,740,992.00 124,377,234.00 88,104,572.00 92,040,032.00 0 0 0 97,628,892.00
      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 1,621,000.00 1,646,000.00 1,661,000.00 2,274,000.00 1,694,000.00 1,719,000.00 1,707,000.00 2,355,000.00 1,681,051.00 1,672,998.00 1,664,021.00 2,269,710.00 1,620,339.00 1,600,172.00 1,134,718.00 1,524,467.00 1,117,903.00 1,116,703.00 1,148,941.00 1,574,232.00
      Goodwill 8,465,000.00 8,465,000.00 8,465,000.00 8,465,000.00 8,465,000.00 8,465,000.00 8,465,000.00 8,465,000.00 8,465,089.00 8,465,089.00 8,490,089.00 8,490,089.00 25,504,071.00 25,504,071.00 4,593,112.00 4,593,112.00 4,593,112.00 4,593,112.00 4,593,112.00 4,593,112.00
      Intangible Assets 74,000.00 84,000.00 93,000.00 94,000.00 107,000.00 119,000.00 132,000.00 147,000.00 162,275.00 177,221.00 192,166.00 209,374.00 226,974.00 245,358.00 2,742.00 3,998.00 5,952.00 8,690.00 11,427.00 14,165.00
      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 182,549,000.00 183,059,000.00 181,330,000.00 184,377,000.00 182,909,000.00 180,431,000.00 187,968,000.00 184,557,000.00 182,927,814.00 181,870,796.00 177,579,236.00 177,418,234.00 172,698,986.00 178,238,358.00 131,987,532.00 138,604,747.00 134,372,423.00 133,902,403.00 134,034,552.00 127,821,899.00
      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 2,059,000.00 2,071,000.00 1,573,000.00 1,060,000.00 2,605,000.00 4,764,000.00 4,795,000.00 5,316,000.00 6,730,663.00 7,907,884.00 6,995,302.00 3,554,951.00 1,812,806.00 2,014,321.00 50,307.00 47,046.00 103,548.00 91,235.00 58,957.00 59,482.00
      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 1,354,000.00 822,000.00 0 0 0 0 0 0 11,000.00 11,000.00 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 39,328,000.00 39,225,000.00 39,591,000.00 68,554,000.00 38,876,000.00 37,924,000.00 36,969,000.00 63,714,000.00 35,996,502.00 35,500,933.00 34,577,171.00 59,835,980.00 33,781,493.00 34,194,531.00 21,076,020.00 38,806,810.00 20,428,771.00 19,220,304.00 18,746,508.00 34,674,566.00
   Shareholders Equity 57,733,000.00 57,265,000.00 58,072,000.00 86,917,000.00 57,725,000.00 56,297,000.00 53,749,000.00 80,412,000.00 51,451,126.00 50,737,066.00 50,109,337.00 75,681,292.00 49,613,003.00 51,082,572.00 35,374,655.00 53,582,637.00 34,847,123.00 33,263,634.00 32,754,538.00 48,498,817.00
      Capital Stock 4,878,000.00 4,878,000.00 4,878,000.00 4,878,000.00 4,878,000.00 5,578,000.00 2,101,000.00 4,112,000.00 2,100,318.00 2,100,318.00 2,100,318.00 4,110,918.00 4,110,918.00 4,110,918.00 1,829,871.00 3,579,871.00 3,579,871.00 1,329,871.00 1,329,871.00 2,579,871.00
      Share Premium 9,995,000.00 9,981,000.00 9,968,000.00 9,998,000.00 9,986,000.00 9,976,000.00 9,976,000.00 10,020,000.00 10,012,438.00 10,000,335.00 9,986,325.00 10,002,891.00 9,994,395.00 9,986,881.00 6,611,659.00 6,635,000.00 6,624,656.00 6,620,528.00 6,611,150.00 6,617,404.00
      Retained Earnings 20,392,000.00 19,870,000.00 19,405,000.00 19,079,000.00 18,659,000.00 18,211,000.00 17,812,000.00 17,524,000.00 17,284,350.00 16,836,810.00 16,212,095.00 15,753,978.00 15,219,828.00 14,808,637.00 14,830,671.00 14,646,448.00 14,365,913.00 14,030,215.00 13,731,893.00 13,461,428.00
      Treasury Shares 4,421,000.00 4,026,000.00 2,957,000.00 2,371,000.00 2,227,000.00 2,047,000.00 2,132,000.00 2,230,000.00 2,259,705.00 2,272,702.00 2,277,519.00 1,750,279.00 1,159,153.00 595,905.00 5,019,870.00 5,081,548.00 5,082,446.00 5,084,515.00 5,089,093.00 5,142,732.00
      Accumulated Other Comprehensive Income 277,000.00 215,000.00 90,000.00 -164,000.00 -27,000.00 -551,000.00 -589,000.00 -459,000.00 -941,878.00 -864,800.00 -645,005.00 -790,030.00 -899,993.00 -506,490.00 -377,385.00 -127,578.00 -210,419.00 -176,974.00 -138,478.00 -63,032.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 145,171,000.00 141,866,000.00 141,407,000.00 140,244,000.00 136,708,000.00 129,075,000.00 174,264,000.00 198,844,000.00 200,580,597.00 205,938,766.00 199,376,368.00 190,088,090.00 186,746,446.00 168,828,828.00 77,743,940.00 57,900,844.00 52,327,000.00 51,901,434.00 56,329,710.00 60,802,986.00
Debt 54,241,000.00 51,935,000.00 48,569,000.00 72,630,000.00 53,711,000.00 54,267,000.00 54,809,000.00 44,902,000.00 38,466,113.00 39,805,496.00 39,084,568.00 23,839,385.00 18,387,058.00 16,275,233.00 15,133,755.00 17,049,980.00 15,545,604.00 15,793,425.00 15,514,213.00 20,526,147.00
Common Shares Outstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Preferred Shares Outstanding 10,215.00 10,215.00 10,215.00 10,215.00 0 0 0 0 0 0 0 0 0 0 0 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
Revenues 1,237,000.00 814,000.00 397,000.00 -523,000.00 1,149,000.00 755,000.00 160,000.00 -401,424.00 521,357.00 366,265.00 193,802.00 -333,667.00 545,874.00 359,297.00 169,213.00 -306,208.00 475,889.00 319,013.00 156,022.00
Cost Of Revenue 0 0 0 0 0 0 0 0 0 0 0 0 106,814.00 106,814.00 0 0 0 0 0
Interest Income 7,852,000.00 5,171,000.00 2,560,000.00 -5,575,000.00 8,322,000.00 5,536,000.00 2,746,000.00 -4,431,123.00 7,487,100.00 4,844,324.00 2,327,699.00 -1,249,629.00 4,176,181.00 2,394,044.00 928,450.00 -2,046,539.00 2,981,207.00 1,987,917.00 1,017,342.00
Interest Expense 2,680,000.00 1,761,000.00 865,000.00 -2,222,000.00 3,195,000.00 2,136,000.00 1,065,000.00 -716,166.00 2,091,228.00 1,225,217.00 508,721.00 143,246.00 180,329.00 77,507.00 24,082.00 -74,427.00 89,281.00 63,585.00 35,567.00
Net Interest 15,507,000.00 10,224,000.00 1,695,000.00 10,354,000.00 5,124,000.00 3,398,000.00 1,680,000.00 -3,713,438.00 5,392,781.00 3,617,393.00 1,818,264.00 -1,392,691.00 3,994,582.00 2,315,891.00 904,174.00 -1,971,337.00 2,890,985.00 1,923,735.00 981,395.00
Non-Interest Income 6,138,000.00 3,882,000.00 611,000.00 3,037,000.00 1,770,000.00 1,164,000.00 1,314,000.00 -2,951,268.00 4,188,583.00 2,905,862.00 1,352,823.00 -2,420,979.00 3,968,272.00 2,622,337.00 1,235,775.00 -2,133,292.00 3,536,289.00 2,289,375.00 1,123,968.00
Non-Interest Expense 4,114,000.00 2,751,000.00 1,415,000.00 -2,664,000.00 3,996,000.00 2,693,000.00 1,396,000.00 -2,521,346.00 3,929,327.00 2,651,789.00 1,359,230.00 -1,864,332.00 3,642,148.00 2,362,895.00 959,741.00 -1,741,327.00 2,684,123.00 1,784,789.00 919,444.00
Provisions for Credit Losses 0 0 0 0 0 0 0 0 0 0 0 0 -106,814.00 -106,814.00 0 0 0 0 0
Gross Profit 0 0 0 0 0 0 0 0 0 0 0 0 439,060.00 252,483.00 0 0 0 0 0
   Selling, General and Administrative Expenses 1,124,000.00 753,000.00 374,000.00 -622,000.00 1,084,000.00 721,000.00 269,000.00 -602,543.00 834,004.00 555,609.00 277,930.00 -341,043.00 711,985.00 449,180.00 191,705.00 -333,348.00 528,649.00 352,004.00 172,167.00
EBT 8,163,000.00 5,088,000.00 2,283,000.00 5,319,000.00 2,428,000.00 1,519,000.00 664,000.00 -2,386,414.00 2,993,339.00 2,085,908.00 926,167.00 -217,680.00 1,600,500.00 752,983.00 475,320.00 -1,190,796.00 1,855,219.00 1,198,177.00 592,549.00
Income Tax 1,887,000.00 1,188,000.00 531,000.00 1,128,000.00 521,000.00 333,000.00 133,000.00 227,467.00 734,740.00 517,250.00 224,543.00 546,066.00 374,208.00 173,287.00 113,146.00 283,308.00 454,441.00 292,859.00 145,300.00
Net Income 2,092,000.00 1,300,000.00 584,000.00 -1,036,000.00 1,907,000.00 1,186,000.00 531,000.00 -1,787,881.00 2,258,599.00 1,568,658.00 701,624.00 -176,499.00 1,226,292.00 579,696.00 362,174.00 -894,599.00 1,400,778.00 905,318.00 447,249.00
EBIT 10,843,000.00 6,849,000.00 3,148,000.00 3,097,000.00 5,623,000.00 3,655,000.00 1,729,000.00 -3,102,580.00 5,084,567.00 3,311,125.00 1,434,888.00 -74,434.00 1,780,829.00 830,490.00 499,402.00 -1,265,223.00 1,944,500.00 1,261,762.00 628,116.00
Deprecation and Amortization 1,128,000.00 762,000.00 390,000.00 838,000.00 379,000.00 257,000.00 50,000.00 49,467.00 140,898.00 89,595.00 37,040.00 53,312.00 113,189.00 70,638.00 26,572.00 -22,423.00 74,213.00 45,622.00 22,689.00
EBITDA 11,971,000.00 7,611,000.00 3,538,000.00 3,935,000.00 6,002,000.00 3,912,000.00 1,779,000.00 -3,053,113.00 5,225,465.00 3,400,720.00 1,471,928.00 -21,122.00 1,894,018.00 901,128.00 525,974.00 -1,287,646.00 2,018,713.00 1,307,384.00 650,805.00
EPS 0.01 0.01 0.00 -0.00 0.01 0.01 0.00 -0.00 0.01 0.01 0.00 -0.00 0.01 0.00 0.00 -0.00 0.01 0.01 0.00
Diluted EPS 0.01 0.01 0.00 0.00 0.01 0.01 0.00 0.00 0.01 0.01 0.00 0.00 0.01 0.00 0.00 0.00 0.01 0.01 0.00
Average Shares Outstanding Basic 159,631.00 161,701.00 164,209.00 166,057.00 166,694.00 166,705.00 166,460.00 164,442.00 166,488.00 166,782.00 167,732.00 209,987.00 160,474.00 153,290.00 128,945.00 128,823.00 128,632.00 128,604.00 128,537.00
Average Shares Outstanding Diluted 160,503.00 162,511.00 165,047.00 167,383.00 167,437.00 167,372.00 167,084.00 165,146.00 167,093.00 167,359.00 168,410.00 211,428.00 161,295.00 153,981.00 129,416.00 129,037.00 128,786.00 128,756.00 128,669.00
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 2,480,000.00 1,479,000.00 635,000.00 243,000.00 1,934,000.00 1,962,000.00 608,000.00 608,379.00 3,104,721.00 1,685,087.00 427,813.00 -370,058.00 3,620,121.00 2,483,139.00 1,295,770.00 -838,108.00 2,018,031.00 1,531,711.00 994,737.00
   Operating Net Income 2,092,000.00 1,300,000.00 584,000.00 6,728,000.00 1,907,000.00 1,186,000.00 531,000.00 3,687,119.00 2,258,599.00 1,568,658.00 701,624.00 2,520,075.00 2,485,188.00 579,696.00 362,174.00 2,791,782.00 1,400,778.00 905,318.00 447,249.00
   Deprecation and Amortization 1,128,000.00 762,000.00 390,000.00 838,000.00 379,000.00 257,000.00 50,000.00 49,467.00 140,898.00 89,595.00 37,040.00 53,312.00 113,189.00 70,638.00 26,572.00 -22,423.00 74,213.00 45,622.00 22,689.00
   Deferred Income Tax -38,000.00 -22,000.00 -6,000.00 -10,000.00 -13,000.00 -14,000.00 2,000.00 -66,771.00 -39,922.00 -6,687.00 11,380.00 140,108.00 -89,413.00 -77,346.00 4,151.00 -67,157.00 70,190.00 55,153.00 39,329.00
   Share Based Compensation 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
   Change in Working Capital 178,000.00 196,000.00 297,000.00 -112,000.00 120,000.00 -163,000.00 -65,000.00 -290,221.00 -363,990.00 71,647.00 287,564.00 1,349,329.00 -1,228,309.00 -887,876.00 -390,382.00 473,404.00 -470,576.00 -290,192.00 -332,258.00
   Other Operating Activities -880,000.00 -757,000.00 -630,000.00 -7,201,000.00 -459,000.00 696,000.00 90,000.00 -2,771,215.00 1,109,136.00 -38,126.00 -609,795.00 -4,432,882.00 2,339,466.00 2,798,027.00 1,293,255.00 -4,013,714.00 943,426.00 815,810.00 817,728.00
Investing Cash Flow -2,984,000.00 -2,985,000.00 -2,132,000.00 10,832,000.00 -2,843,000.00 -1,457,000.00 -7,082,000.00 9,080,092.00 -8,556,905.00 -6,649,475.00 -1,747,712.00 -21,899,283.00 20,257,875.00 14,038,564.00 4,195,580.00 14,460,694.00 -10,178,174.00 -8,982,372.00 -8,931,747.00
   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 87,000.00 51,000.00 25,000.00 -51,000.00 131,000.00 101,000.00 35,000.00 -69,003.00 168,213.00 101,379.00 55,411.00 -28,074.00 126,810.00 87,742.00 27,910.00 -13,427.00 87,165.00 44,459.00 31,016.00
   Net Purchase/Sale of Investments Net 12,487,000.00 7,484,000.00 4,105,000.00 -13,073,000.00 17,162,000.00 11,711,000.00 6,675,000.00 -8,111,301.00 5,320,870.00 4,519,750.00 3,958,681.00 -8,238,150.00 10,228,163.00 6,748,899.00 3,278,334.00 -1,673,037.00 3,091,516.00 1,770,893.00 974,399.00
   Net Purchase/Sale of Business 28,000.00 0 0 0 0 0 0 0 0 0 0 -393,923.00 393,923.00 393,923.00 0 0 0 0 0
   Net Loan & Lease Activity 2,030,000.00 2,770,000.00 3,639,040.00 -5,676,670.00 7,231,694.00
   Other Investing Activities -17,603,000.00 -11,714,000.00 -5,559,000.00 25,648,000.00 -21,876,000.00 -14,527,000.00 -14,516,000.00 18,152,440.00 -14,896,337.00 -12,916,071.00 -6,928,032.00 -17,191,174.00 9,450,037.00 6,542,316.00 1,526,960.00 16,662,961.00 -8,379,583.00 -9,625,475.00 -10,925,816.00
Financing Cash Flow 545,000.00 1,725,000.00 1,697,000.00 -10,256,000.00 1,394,000.00 -458,000.00 6,438,000.00 -8,430,729.00 5,700,804.00 5,292,530.00 1,617,395.00 23,564,427.00 -22,959,763.00 -16,171,006.00 -5,417,467.00 -12,338,280.00 8,087,112.00 7,308,386.00 7,644,256.00
   Net Issuance/Repayment of Debt 6,913,000.00 5,951,000.00 3,693,000.00 -2,554,000.00 4,681,000.00 3,519,000.00 3,406,000.00 -3,177,729.00 4,813,089.00 3,485,869.00 3,485,771.00 98,444.00 1,406,441.00 900,096.00 49.00 -1,705,887.00 862,541.00 852,992.00 852,945.00
   Net Issuance/Repurchase of Equity 2,129,000.00 1,725,000.00 656,000.00 594,000.00 931,000.00 733,000.00 0 -1,188,000.00 594,000.00 594,000.00 594,000.00 0.00 1,200,000.00 600,000.00 0 0.00 495,000.00 0 0
   Dividends Paid 783,000.00 509,000.00 266,000.00 529,000.00 778,000.00 504,000.00 255,000.00 459,906.00 735,773.00 486,250.00 254,071.00 498,221.00 659,568.00 416,868.00 187,375.00 334,768.00 480,929.00 317,891.00 163,332.00
   Other Financing Activities -9,280,000.00 -6,460,000.00 -2,918,000.00 -8,825,000.00 -4,996,000.00 -5,214,000.00 2,777,000.00 -4,524,906.00 -442,058.00 726,411.00 -2,716,447.00 22,967,762.00 -26,225,772.00 -18,087,970.00 -5,604,891.00 -10,967,161.00 6,248,642.00 6,137,503.00 6,627,979.00
Net Change in Cash 41,000.00 219,000.00 200,000.00 -74,000.00 485,000.00 47,000.00 -36,000.00 915,742.00 248,620.00 328,142.00 297,496.00 -768,371.00 918,233.00 350,697.00 73,883.00 292,894.00 -73,031.00 -142,275.00 -292,754.00
   Cash at Beginning of Period 1,909,000.00 1,909,000.00 1,909,000.00 1,983,000.00 1,731,000.00 1,731,000.00 1,731,000.00 815,258.00 1,520,244.00 1,520,244.00 1,520,244.00 2,288,615.00 1,337,577.00 1,337,577.00 1,337,577.00 1,044,683.00 1,552,743.00 1,552,743.00 1,552,743.00
   Cash at End of Period 1,950,000.00 2,128,000.00 2,109,000.00 1,909,000.00 2,216,000.00 1,778,000.00 1,695,000.00 1,731,000.00 1,768,864.00 1,848,386.00 1,817,740.00 1,520,244.00 2,255,810.00 1,688,274.00 1,411,460.00 1,337,577.00 1,479,712.00 1,410,468.00 1,259,989.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0