NWFL
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | -1360.25 | 15.82 | 9.31 | 8.52 | 5.68 |
| Price to Sales | 29.76 | 37.18 | 31.06 | 30.43 | 30.36 |
| Book Value Per Common Share | 70.96 | 67.38 | 61.60 | 75.30 | 81.13 |
| Price to Book | 0.38 | 0.49 | 0.54 | 0.35 | 0.32 |
| Price to Operating Cash Flow | 6.46 | 6.78 | 6.18 | 5.41 | 6.82 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 36087.54 | 41923.72 | 48054.44 | 45445.16 | 46945.54 |
| 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 | 11.45 | 19.83 | 38.37 | 17.79 | 23.72 | 49.47 | 12.69 | 19.43 | 41.44 | 9.81 | 14.19 | 32.86 | 11.44 | 18.84 | 39.13 |
| Price to Sales | 40.21 | 61.72 | 112.52 | 40.64 | 56.93 | 128.23 | 39.05 | 70.26 | 142.68 | 30.70 | 38.32 | 74.30 | 40.19 | 63.14 | 141.54 |
| Book Value Per Common Share | 53.28 | 51.42 | 44.79 | 24.29 | 22.61 | 22.47 | 20.40 | 21.42 | 21.70 | 19.49 | 21.30 | 22.86 | 24.74 | 24.49 | 23.82 |
| Price to Book | 0.48 | 0.50 | 0.54 | 1.14 | 1.12 | 1.21 | 1.26 | 1.38 | 1.36 | 1.36 | 1.14 | 1.25 | 1.03 | 1.06 | 1.12 |
| Price to Operating Cash Flow | 9.40 | 14.98 | 24.48 | 12.34 | 15.31 | 51.61 | 9.00 | 14.73 | 23.67 | 8.88 | 12.81 | 24.89 | 9.08 | 14.35 | 28.91 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA | 59212.28 | 41549.22 | 56648.20 | 122060.66 | 47925.62 | 83175.00 | 185400.27 | 66979.04 | 96926.46 | 222220.94 | 76434.13 | 124327.52 | 259864.23 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -42.06 | 17.70 | -33.84 | ||
| Revenue YoY | 3.69 | -18.55 | 25.43 | 12.50 | |
| EBITDA YoY | -3.60 | 11.76 | 21.09 | 16.47 | |
| Net Profit YoY | -5.90 | -42.67 | 17.33 | 20.87 |
| 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 | 70.77 | 106.35 | 44.86 | 94.55 | 33.55 | 114.08 | 58.48 | 96.55 | 61.59 | 102.94 | |||||
| Revenue YoY | 53.07 | 94.44 | 52.17 | 109.94 | 56.53 | 102.86 | 36.51 | 64.38 | 54.11 | 118.90 | |||||
| EBITDA YoY | 56.35 | 102.25 | 48.08 | 100.83 | 50.96 | 122.75 | 58.28 | 94.36 | 59.57 | 104.13 | |||||
| Net Profit YoY | 69.59 | 107.48 | 44.47 | 95.04 | 33.54 | 112.47 | 58.00 | 96.17 | 61.80 | 103.83 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 18.43 | 16.82 | 8.80 | 50.92 | 31.25 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 4.94 | 5.59 | 5.64 | 4.55 | 4.26 |
| 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 | 8.02 | 5.76 | 8.18 | 10.29 | 8.61 | 13.88 | 6.71 | 4.09 | 3.57 | 5.02 | 13.43 | 20.32 | 26.86 | 25.06 | 25.70 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 3.11 | 3.10 | 9.77 | 10.65 | 11.27 | 11.47 | 12.24 | 11.35 | 10.93 | 11.71 | 10.89 | 10.12 | 9.14 | 9.10 | 9.30 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.62 | 0.70 | 1.32 | 1.09 | 1.01 |
| ROE | 3.69 | 4.63 | 8.75 | 6.07 | 5.29 |
| Gross Margin | 63.87 | 22.25 | 89.73 | 39.87 | 12.22 |
| Operating Margin | 822.75 | 886.60 | 640.78 | 668.39 | 643.58 |
| EBITDA Margin | 824.56 | 886.84 | 646.32 | 669.46 | 646.64 |
| Net Profit Margin | 213.14 | 234.85 | 333.67 | 356.69 | 331.99 |
| 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 | 0.71 | 0.42 | 0.24 | 0.55 | 0.39 | 0.20 | 0.75 | 0.57 | 0.27 | 1.09 | 0.68 | 0.34 | 0.89 | 0.56 | 0.28 |
| ROE | 2.91 | 1.74 | 2.62 | 6.38 | 4.75 | 2.45 | 9.96 | 7.08 | 3.28 | 13.91 | 8.04 | 3.82 | 9.02 | 5.63 | 2.84 |
| Gross Margin | 54.55 | 7.20 | 10.06 | 80.44 | 92.32 | 63.53 | 89.33 | 57.38 | 82.11 | 91.50 | 88.39 | 90.46 | 27.82 | 11.01 | 2.60 |
| Operating Margin | 1048.44 | 1026.20 | 986.05 | 975.63 | 1000.06 | 1042.43 | 814.55 | 844.15 | 768.46 | 452.29 | 387.73 | 325.32 | 524.25 | 505.78 | 541.43 |
| EBITDA Margin | 1064.65 | 1042.28 | 1002.02 | 978.06 | 1005.07 | 1050.61 | 814.80 | 844.83 | 769.41 | 458.38 | 395.34 | 334.35 | 525.79 | 507.80 | 544.55 |
| Net Profit Margin | 344.87 | 311.28 | 291.71 | 228.52 | 240.70 | 259.09 | 308.08 | 361.11 | 344.78 | 313.15 | 270.57 | 226.72 | 351.82 | 335.09 | 359.87 |
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 | 2,535,559.00 | 2,385,952.00 | 2,217,621.00 | 2,277,034.00 | 2,050,090.00 |
| Deposits | 1,859,163.00 | 1,795,159.00 | 1,727,727.00 | 1,756,793.00 | 1,535,385.00 |
| Cash and Short-Term Investments | 149,126.00 | 135,638.00 | 71,608.00 | 416,384.00 | 225,094.00 |
| Cash and Cash Equivalents | 149,126.00 | 135,638.00 | 71,608.00 | 416,384.00 | 225,094.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 8,466.00 | 8,123.00 | 6,917.00 | 5,889.00 | 6,232.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 23,430.00 | 21,744.00 | 22,033.00 | 21,800.00 | 22,752.00 |
| Real Estate | 0 | 97.00 | 346.00 | 1,742.00 | 965.00 |
| Goodwill | 29,266.00 | 29,266.00 | 29,266.00 | 47,201.00 | 47,249.00 |
| Intangible Assets | 152.00 | 221.00 | 306.00 | 407.00 | 530.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 17,696.00 | 21,353.00 | 23,549.00 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 2,108,543.00 | 2,023,812.00 | 1,883,451.00 | 1,866,510.00 | 1,660,520.00 |
| 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 | 113,069.00 | 74,076.00 | 93,215.00 | 60,822.00 | 63,303.00 |
| 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 | 427,016.00 | 362,140.00 | 334,170.00 | 410,524.00 | 389,570.00 |
| Shareholders Equity | 574,282.00 | 543,210.00 | 501,255.00 | 615,786.00 | 584,355.00 |
| Capital Stock | 949.00 | 831.00 | 829.00 | 827.00 | 824.00 |
| Share Premium | 98,513.00 | 97,700.00 | 96,897.00 | 96,443.00 | 95,388.00 |
| Retained Earnings | 152,964.00 | 135,284.00 | 130,020.00 | 110,015.00 | 93,796.00 |
| Treasury Shares | 5,797.00 | 5,397.00 | 3,308.00 | 1,767.00 | 342.00 |
| Accumulated Other Comprehensive Income | -33,121.00 | -142,044.00 | -172,059.00 | -768.00 | 15,357.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 1,193,538.00 | 1,218,777.00 | 1,256,781.00 | 1,220,346.00 | 226,586.00 |
| Debt | 113,069.00 | 74,076.00 | 93,215.00 | 60,822.00 | 63,303.00 |
| Net Debt | 0 | 0 | 21,607.00 | 0 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 7,399.00 | 7,136.00 | 8,761.00 | 6,985.00 | 6,209.00 |
| Cost Of Revenue | 2,673.00 | 5,548.00 | 900.00 | 4,200.00 | 5,450.00 |
| Interest Income | 112,580.00 | 95,540.00 | 75,666.00 | 71,070.00 | 58,455.00 |
| Interest Expense | 50,389.00 | 33,473.00 | 7,269.00 | 5,757.00 | 7,979.00 |
| Net Interest | 62,191.00 | 62,067.00 | 68,397.00 | 65,313.00 | 110,664.00 |
| Non-Interest Income | -11,151.00 | 8,124.00 | 9,932.00 | 8,325.00 | 16,819.00 |
| Non-Interest Expense | 48,625.00 | 43,497.00 | 41,044.00 | 38,578.00 | 34,440.00 |
| Provisions for Credit Losses | 2,673.00 | 5,548.00 | 900.00 | 4,200.00 | 5,450.00 |
| Gross Profit | 4,726.00 | 1,588.00 | 7,861.00 | 2,785.00 | 759.00 |
| Selling, General and Administrative Expenses | 12,166.00 | 10,078.00 | 9,897.00 | 9,125.00 | 8,029.00 |
| EBT | 10,486.00 | 29,795.00 | 48,870.00 | 40,930.00 | 31,981.00 |
| Income Tax | 3,870.00 | 4,098.00 | 6,934.00 | 5,793.00 | 3,121.00 |
| Net Income | 15,770.00 | 16,759.00 | 29,233.00 | 24,915.00 | 20,613.00 |
| EBIT | 60,875.00 | 63,268.00 | 56,139.00 | 46,687.00 | 39,960.00 |
| Deprecation and Amortization | 134.00 | 17.00 | 485.00 | 75.00 | 190.00 |
| EBITDA | 61,009.00 | 63,285.00 | 56,624.00 | 46,762.00 | 40,150.00 |
| 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 | 8,093.00 | 8,062.00 | 8,137.00 | 8,178.00 | 7,203.00 |
| Average Shares Outstanding Diluted | 8,093.00 | 8,084.00 | 8,177.00 | 8,199.00 | 7,230.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 34,069.00 | 39,116.00 | 44,045.00 | 39,310.00 | 27,620.00 |
| Operating Net Income | 15,290.00 | 50,112.00 | 87,701.00 | 74,818.00 | 65,909.00 |
| Deprecation and Amortization | 134.00 | 17.00 | 485.00 | 75.00 | 190.00 |
| Deferred Income Tax | -125.00 | 583.00 | 419.00 | -383.00 | 850.00 |
| Share Based Compensation | 721.00 | 830.00 | 641.00 | 549.00 | 536.00 |
| Change in Working Capital | 14,969.00 | 16,381.00 | 3,940.00 | 1,624.00 | 7,973.00 |
| Other Operating Activities | 3,080.00 | -28,807.00 | -49,141.00 | -37,373.00 | -47,838.00 |
| Investing Cash Flow | -144,005.00 | -116,568.00 | -207,994.00 | -130,964.00 | -70,201.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 3,127.00 | 1,413.00 | 2,153.00 | 1,416.00 | 759.00 |
| Net Purchase/Sale of Investments Net | 422,074.00 | 49,725.00 | 176,721.00 | 347,826.00 | 58,876.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 8,844.00 |
| Net Loan & Lease Activity | 112,951.00 | 136,245.00 | 118,999.00 | -57,938.00 | 80,770.00 |
| Other Investing Activities | -682,157.00 | -303,951.00 | -505,867.00 | -422,268.00 | -219,450.00 |
| Financing Cash Flow | 116,680.00 | 109,467.00 | -8,439.00 | 187,299.00 | 136,865.00 |
| Net Issuance/Repayment of Debt | 181,438.00 | 206,625.00 | 102,391.00 | 9,980.00 | 35,026.00 |
| Net Issuance/Repurchase of Equity | 30,260.00 | 8,172.00 | 6,608.00 | 3,928.00 | 1,012.00 |
| Dividends Paid | 9,719.00 | 9,417.00 | 9,158.00 | 8,539.00 | 7,263.00 |
| Other Financing Activities | -104,737.00 | -114,747.00 | -126,596.00 | 164,852.00 | 93,564.00 |
| Net Change in Cash | 6,744.00 | 32,015.00 | -172,388.00 | 95,645.00 | 94,284.00 |
| Cash at Beginning of Period | 65,595.00 | 34,105.00 | 204,254.00 | 111,036.00 | 17,409.00 |
| Cash at End of Period | 72,339.00 | 66,120.00 | 31,866.00 | 206,681.00 | 111,693.00 |
| 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 | 2,876,051.00 | 2,829,450.00 | 2,376,044.00 | 2,535,559.00 | 2,279,751.00 | 2,235,316.00 | 2,260,423.00 | 2,385,952.00 | 2,179,998.00 | 2,141,765.00 | 2,104,363.00 | 2,217,621.00 | 2,018,870.00 | 2,066,384.00 | 2,077,698.00 | 2,277,034.00 | 2,053,691.00 | 2,025,564.00 | 2,009,836.00 | 2,050,090.00 |
| Deposits | 4,511,336.00 | 4,359,068.00 | 2,004,448.00 | 1,859,163.00 | 1,855,251.00 | 1,811,172.00 | 1,838,998.00 | 1,795,159.00 | 1,746,824.00 | 1,731,997.00 | 1,755,935.00 | 1,727,727.00 | 1,768,796.00 | 1,799,830.00 | 1,781,777.00 | 1,756,793.00 | 1,722,522.00 | 1,688,941.00 | 1,685,188.00 | 1,535,385.00 |
| Cash and Short-Term Investments | 74,730.00 | 53,045.00 | 75,407.00 | 149,126.00 | 82,880.00 | 69,395.00 | 111,963.00 | 135,638.00 | 54,146.00 | 33,089.00 | 29,015.00 | 71,608.00 | 40,877.00 | 109,666.00 | 166,026.00 | 416,384.00 | 219,933.00 | 205,173.00 | 210,499.00 | 225,094.00 |
| Cash and Cash Equivalents | 74,730.00 | 53,045.00 | 75,407.00 | 149,126.00 | 82,880.00 | 69,395.00 | 111,963.00 | 135,638.00 | 54,146.00 | 33,089.00 | 29,015.00 | 71,608.00 | 40,877.00 | 109,666.00 | 166,026.00 | 416,384.00 | 219,933.00 | 205,173.00 | 210,499.00 | 225,094.00 |
| 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 | 8,686.00 | 8,642.00 | 8,587.00 | 8,466.00 | 8,062.00 | 8,329.00 | 8,135.00 | 8,123.00 | 7,759.00 | 7,276.00 | 6,633.00 | 6,917.00 | 6,303.00 | 6,085.00 | 5,876.00 | 5,889.00 | 6,049.00 | 6,190.00 | 6,317.00 | 6,232.00 |
| 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 | 22,292.00 | 21,608.00 | 20,273.00 | 23,430.00 | 18,503.00 | 18,265.00 | 18,057.00 | 21,744.00 | 17,254.00 | 17,363.00 | 17,660.00 | 22,033.00 | 17,427.00 | 17,032.00 | 17,022.00 | 21,800.00 | 17,364.00 | 17,298.00 | 17,648.00 | 22,752.00 |
| Real Estate | 771.00 | 0 | 0 | 0 | 0 | 0 | 97.00 | 97.00 | 290.00 | 387.00 | 346.00 | 346.00 | 346.00 | 346.00 | 710.00 | 1,742.00 | 1,997.00 | 965.00 | 965.00 | 965.00 |
| Goodwill | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 29,266.00 | 47,201.00 | 29,266.00 | 29,266.00 | 47,249.00 | 47,249.00 |
| Intangible Assets | 109.00 | 121.00 | 136.00 | 152.00 | 167.00 | 183.00 | 202.00 | 221.00 | 240.00 | 260.00 | 283.00 | 306.00 | 329.00 | 353.00 | 380.00 | 407.00 | 434.00 | 461.00 | 495.00 | 530.00 |
| 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 | 16,528.00 | 17,693.00 | 17,859.00 | 17,696.00 | 18,818.00 | 21,707.00 | 21,642.00 | 21,353.00 | 25,610.00 | 23,301.00 | 22,164.00 | 23,549.00 | 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 | 2,177,046.00 | 2,139,925.00 | 2,155,337.00 | 2,108,543.00 | 2,084,097.00 | 2,053,129.00 | 2,079,210.00 | 2,023,812.00 | 2,015,296.00 | 1,968,341.00 | 1,927,948.00 | 1,883,451.00 | 1,860,021.00 | 1,892,553.00 | 1,890,892.00 | 1,866,510.00 | 1,851,083.00 | 1,825,065.00 | 1,814,729.00 | 1,660,520.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 26,500.00 | 0 | 113,069.00 | 52,453.00 | 62,335.00 | 60,055.00 | 74,076.00 | 103,881.00 | 112,290.00 | 108,555.00 | 93,215.00 | 71,754.00 | 70,427.00 | 63,622.00 | 60,822.00 | 78,246.00 | 83,599.00 | 72,917.00 | 63,303.00 |
| 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 | 699,005.00 | 689,525.00 | 220,707.00 | 427,016.00 | 195,654.00 | 182,187.00 | 181,213.00 | 362,140.00 | 164,702.00 | 173,424.00 | 176,415.00 | 334,170.00 | 158,849.00 | 173,831.00 | 186,806.00 | 410,524.00 | 202,608.00 | 200,499.00 | 195,107.00 | 389,570.00 |
| Shareholders Equity | 496,402.00 | 473,645.00 | 412,730.00 | 574,282.00 | 195,654.00 | 182,187.00 | 181,213.00 | 543,210.00 | 164,702.00 | 173,424.00 | 176,415.00 | 501,255.00 | 158,849.00 | 173,831.00 | 186,806.00 | 615,786.00 | 202,608.00 | 200,499.00 | 195,107.00 | 584,355.00 |
| Capital Stock | 949.00 | 949.00 | 949.00 | 949.00 | 831.00 | 831.00 | 831.00 | 831.00 | 829.00 | 829.00 | 829.00 | 829.00 | 828.00 | 828.00 | 827.00 | 827.00 | 825.00 | 825.00 | 824.00 | 824.00 |
| Share Premium | 127,190.00 | 126,990.00 | 126,785.00 | 98,513.00 | 98,330.00 | 98,082.00 | 97,893.00 | 97,700.00 | 97,449.00 | 97,268.00 | 97,063.00 | 96,897.00 | 96,785.00 | 96,752.00 | 96,619.00 | 96,443.00 | 96,100.00 | 95,951.00 | 95,717.00 | 95,388.00 |
| Retained Earnings | 136,662.00 | 131,199.00 | 127,865.00 | 152,964.00 | 140,489.00 | 139,070.00 | 137,285.00 | 135,284.00 | 137,363.00 | 135,583.00 | 131,416.00 | 130,020.00 | 125,243.00 | 119,414.00 | 114,845.00 | 110,015.00 | 105,668.00 | 100,818.00 | 97,201.00 | 93,796.00 |
| Treasury Shares | 6,188.00 | 6,208.00 | 6,208.00 | 5,797.00 | 5,969.00 | 5,977.00 | 5,397.00 | 5,397.00 | 5,957.00 | 6,007.00 | 2,930.00 | 3,308.00 | 3,442.00 | 2,933.00 | 1,760.00 | 1,767.00 | 1,423.00 | 656.00 | 656.00 | 342.00 |
| Accumulated Other Comprehensive Income | -23,708.00 | -27,505.00 | -28,684.00 | -33,121.00 | -38,027.00 | -49,819.00 | -49,399.00 | -142,044.00 | -64,982.00 | -54,249.00 | -49,963.00 | -172,059.00 | -60,565.00 | -40,230.00 | -23,725.00 | -768.00 | 1,438.00 | 3,561.00 | 2,021.00 | 15,357.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 403,989.00 | 1,207,380.00 | 1,226,226.00 | 1,193,538.00 | 1,190,673.00 | 1,192,734.00 | 1,195,122.00 | 1,218,777.00 | 1,141,497.00 | 1,210,863.00 | 1,254,735.00 | 1,256,781.00 | 1,281,861.00 | 1,322,631.00 | 1,304,772.00 | 1,220,346.00 | 1,085,964.00 | 333,636.00 | 275,224.00 | 226,586.00 |
| Debt | 0 | 26,500.00 | 0 | 113,069.00 | 52,453.00 | 62,335.00 | 60,055.00 | 74,076.00 | 103,881.00 | 112,290.00 | 108,555.00 | 93,215.00 | 71,754.00 | 70,427.00 | 63,622.00 | 60,822.00 | 78,246.00 | 83,599.00 | 72,917.00 | 63,303.00 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 49,735.00 | 79,201.00 | 79,540.00 | 21,607.00 | 30,877.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 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 | 5,890.00 | 3,848.00 | 1,979.00 | -3,370.00 | 5,466.00 | 3,592.00 | 1,711.00 | -3,268.00 | 5,325.00 | 3,402.00 | 1,677.00 | -6,606.00 | 7,055.00 | 5,168.00 | 3,144.00 | -3,121.00 | 5,195.00 | 3,371.00 | 1,540.00 |
| Cost Of Revenue | 2,677.00 | 3,571.00 | 1,780.00 | 704.00 | 1,069.00 | 276.00 | 624.00 | 3,230.00 | 568.00 | 1,450.00 | 300.00 | -600.00 | 600.00 | 600.00 | 300.00 | -4,050.00 | 3,750.00 | 3,000.00 | 1,500.00 |
| Interest Income | 105,130.00 | 69,033.00 | 33,954.00 | -71,953.00 | 92,924.00 | 61,414.00 | 30,195.00 | -55,787.00 | 77,029.00 | 50,034.00 | 24,264.00 | -45,783.00 | 62,339.00 | 39,791.00 | 19,319.00 | -42,101.00 | 57,327.00 | 37,388.00 | 18,456.00 |
| Interest Expense | 36,102.00 | 24,368.00 | 12,227.00 | -24,341.00 | 37,529.00 | 24,973.00 | 12,228.00 | -8,038.00 | 22,681.00 | 13,212.00 | 5,618.00 | -529.00 | 4,107.00 | 2,445.00 | 1,246.00 | -3,157.00 | 4,400.00 | 2,989.00 | 1,525.00 |
| Net Interest | 57,380.00 | 36,923.00 | 17,857.00 | -27,720.00 | 45,566.00 | 29,635.00 | 14,710.00 | -32,535.00 | 46,774.00 | 31,735.00 | 16,093.00 | -31,863.00 | 51,164.00 | 32,995.00 | 16,101.00 | -31,109.00 | 48,817.00 | 31,829.00 | 15,776.00 |
| Non-Interest Income | 7,105.00 | 4,599.00 | 2,351.00 | -23,878.00 | 6,508.00 | 4,213.00 | 2,006.00 | -3,484.00 | 6,001.00 | 3,695.00 | 1,912.00 | -7,240.00 | 8,006.00 | 5,828.00 | 3,338.00 | -4,144.00 | 6,304.00 | 4,176.00 | 1,989.00 |
| Non-Interest Expense | 37,529.00 | 24,595.00 | 12,064.00 | -21,488.00 | 35,206.00 | 23,175.00 | 11,732.00 | -20,962.00 | 32,649.00 | 21,374.00 | 10,436.00 | -20,511.00 | 30,768.00 | 20,630.00 | 10,157.00 | -18,354.00 | 28,536.00 | 18,944.00 | 9,452.00 |
| Provisions for Credit Losses | 1,305.00 | 1,807.00 | 857.00 | 2,504.00 | 1,069.00 | -276.00 | -624.00 | 7,266.00 | -568.00 | -1,450.00 | 300.00 | -600.00 | 600.00 | 600.00 | 300.00 | -4,050.00 | 3,750.00 | 3,000.00 | 1,500.00 |
| Gross Profit | 3,213.00 | 277.00 | 199.00 | -4,074.00 | 4,397.00 | 3,316.00 | 1,087.00 | -6,498.00 | 4,757.00 | 1,952.00 | 1,377.00 | -6,006.00 | 6,455.00 | 4,568.00 | 2,844.00 | 929.00 | 1,445.00 | 371.00 | 40.00 |
| Selling, General and Administrative Expenses | 10,276.00 | 6,668.00 | 3,314.00 | -5,781.00 | 9,087.00 | 5,899.00 | 2,961.00 | -5,400.00 | 7,905.00 | 5,097.00 | 2,476.00 | -6,073.00 | 7,844.00 | 5,322.00 | 2,804.00 | -5,695.00 | 7,163.00 | 4,989.00 | 2,668.00 |
| EBT | 25,651.00 | 15,120.00 | 7,287.00 | -21,870.00 | 15,799.00 | 10,949.00 | 5,608.00 | -13,674.00 | 20,694.00 | 15,506.00 | 7,269.00 | -5,507.00 | 27,802.00 | 17,593.00 | 8,982.00 | -2,779.00 | 22,835.00 | 14,061.00 | 6,813.00 |
| Income Tax | 5,338.00 | 3,142.00 | 1,514.00 | -2,916.00 | 3,308.00 | 2,303.00 | 1,175.00 | -4,811.00 | 4,245.00 | 3,177.00 | 1,487.00 | -4,239.00 | 5,709.00 | 3,610.00 | 1,854.00 | -2,821.00 | 4,570.00 | 2,769.00 | 1,275.00 |
| Net Income | 20,313.00 | 11,978.00 | 5,773.00 | -9,800.00 | 12,491.00 | 8,646.00 | 4,433.00 | -17,713.00 | 16,405.00 | 12,285.00 | 5,782.00 | -13,971.00 | 22,093.00 | 13,983.00 | 7,128.00 | -10,200.00 | 18,277.00 | 11,296.00 | 5,542.00 |
| EBIT | 61,753.00 | 39,488.00 | 19,514.00 | -46,211.00 | 53,328.00 | 35,922.00 | 17,836.00 | -21,712.00 | 43,375.00 | 28,718.00 | 12,887.00 | -6,036.00 | 31,909.00 | 20,038.00 | 10,228.00 | -5,936.00 | 27,235.00 | 17,050.00 | 8,338.00 |
| Deprecation and Amortization | 955.00 | 619.00 | 316.00 | -319.00 | 133.00 | 180.00 | 140.00 | -35.00 | 13.00 | 23.00 | 16.00 | -622.00 | 430.00 | 393.00 | 284.00 | -121.00 | 80.00 | 68.00 | 48.00 |
| EBITDA | 62,708.00 | 40,107.00 | 19,830.00 | -46,530.00 | 53,461.00 | 36,102.00 | 17,976.00 | -21,747.00 | 43,388.00 | 28,741.00 | 12,903.00 | -6,658.00 | 32,339.00 | 20,431.00 | 10,512.00 | -6,057.00 | 27,315.00 | 17,118.00 | 8,386.00 |
| 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 | 9,316.00 | 9,212.00 | 9,215.00 | 8,196.00 | 8,054.00 | 8,058.00 | 8,064.00 | 7,950.00 | 8,072.00 | 8,095.00 | 8,131.00 | 8,065.00 | 8,149.00 | 8,163.00 | 8,171.00 | 8,148.00 | 8,188.00 | 8,186.00 | 8,190.00 |
| Average Shares Outstanding Diluted | 9,317.00 | 9,214.00 | 9,216.00 | 8,181.00 | 8,060.00 | 8,061.00 | 8,070.00 | 7,998.00 | 8,078.00 | 8,112.00 | 8,148.00 | 8,171.00 | 8,166.00 | 8,175.00 | 8,196.00 | 8,167.00 | 8,207.00 | 8,208.00 | 8,214.00 |
| 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 | 25,192.00 | 15,853.00 | 9,098.00 | -1,539.00 | 18,001.00 | 13,356.00 | 4,251.00 | -10,323.00 | 23,109.00 | 16,225.00 | 10,105.00 | -5,190.00 | 24,384.00 | 15,464.00 | 9,387.00 | -6,063.00 | 23,002.00 | 14,832.00 | 7,539.00 |
| Operating Net Income | 20,313.00 | 11,978.00 | 5,773.00 | -10,280.00 | 12,491.00 | 8,646.00 | 4,433.00 | -18,504.00 | 32,645.00 | 24,405.00 | 11,566.00 | 44,497.00 | 22,093.00 | 13,983.00 | 7,128.00 | 4,510.00 | 36,598.00 | 22,609.00 | 11,101.00 |
| Deprecation and Amortization | 955.00 | 619.00 | 316.00 | -319.00 | 133.00 | 180.00 | 140.00 | -9.00 | -13.00 | 23.00 | 16.00 | -622.00 | 430.00 | 393.00 | 284.00 | -121.00 | 80.00 | 68.00 | 48.00 |
| Deferred Income Tax | -1,334.00 | -1,489.00 | -1,342.00 | -741.00 | 57.00 | 303.00 | 256.00 | 1,772.00 | -33.00 | -577.00 | -579.00 | -539.00 | 417.00 | 283.00 | 258.00 | -1,246.00 | 497.00 | 362.00 | 4.00 |
| Share Based Compensation | 536.00 | 357.00 | 179.00 | -395.00 | 541.00 | 382.00 | 193.00 | -408.00 | 613.00 | 415.00 | 210.00 | -286.00 | 473.00 | 305.00 | 149.00 | -274.00 | 411.00 | 274.00 | 138.00 |
| Change in Working Capital | 207.00 | -691.00 | 1,012.00 | -468.00 | 8,155.00 | 4,361.00 | 2,921.00 | 7,671.00 | 3,708.00 | 4,769.00 | 233.00 | 5,570.00 | 317.00 | -220.00 | -1,727.00 | 409.00 | 884.00 | 778.00 | -447.00 |
| Other Operating Activities | 4,515.00 | 5,079.00 | 3,160.00 | 10,664.00 | -3,376.00 | -516.00 | -3,692.00 | -845.00 | -13,811.00 | -12,810.00 | -1,341.00 | -53,810.00 | 654.00 | 720.00 | 3,295.00 | -9,341.00 | -15,468.00 | -9,259.00 | -3,305.00 |
| Investing Cash Flow | -85,862.00 | -64,711.00 | -51,819.00 | -45,853.00 | -52,658.00 | -32,758.00 | -12,736.00 | 146,896.00 | -118,252.00 | -90,554.00 | -54,658.00 | 172,634.00 | -174,440.00 | -133,780.00 | -72,408.00 | 116,350.00 | -100,070.00 | -84,449.00 | -62,795.00 |
| 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 | 3,646.00 | 2,609.00 | 932.00 | -174.00 | 1,660.00 | 1,087.00 | 554.00 | 557.00 | 497.00 | 268.00 | 91.00 | 216.00 | 1,295.00 | 537.00 | 105.00 | -290.00 | 967.00 | 532.00 | 207.00 |
| Net Purchase/Sale of Investments Net | 77,187.00 | 57,633.00 | 34,686.00 | 274,850.00 | 68,704.00 | 53,311.00 | 25,209.00 | -6,517.00 | 27,868.00 | 18,568.00 | 9,806.00 | -204,754.00 | 163,773.00 | 132,950.00 | 84,752.00 | 42,832.00 | 254,361.00 | 35,057.00 | 15,576.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 112,951.00 | 136,245.00 | 118,999.00 | -57,938.00 | 80,770.00 | ||||||||||||||
| Other Investing Activities | -264,011.00 | -196,797.00 | -138,958.00 | -302,826.00 | -196,680.00 | -125,980.00 | -56,671.00 | 323,424.00 | -287,059.00 | -213,933.00 | -126,383.00 | 399,519.00 | -416,061.00 | -315,918.00 | -173,407.00 | 76,055.00 | -314,429.00 | -95,054.00 | -88,840.00 |
| Financing Cash Flow | 63,061.00 | 29,564.00 | 45,789.00 | -11,742.00 | 51,417.00 | 22,677.00 | 54,328.00 | -125,210.00 | 117,423.00 | 75,552.00 | 41,702.00 | -36,358.00 | -15,748.00 | 21,301.00 | 22,366.00 | -315,168.00 | 185,308.00 | 163,097.00 | 154,062.00 |
| Net Issuance/Repayment of Debt | -3,347.00 | 9,874.00 | -49,866.00 | -59,660.00 | 77,654.00 | 84,408.00 | 79,036.00 | -171,133.00 | 223,219.00 | 119,388.00 | 35,151.00 | 20,316.00 | 40,930.00 | 35,191.00 | 5,954.00 | -53,489.00 | 24,266.00 | 26,496.00 | 12,707.00 |
| Net Issuance/Repurchase of Equity | 363.00 | 349.00 | 349.00 | 28,811.00 | 869.00 | 580.00 | 0 | 983.00 | 3,444.00 | 3,411.00 | 334.00 | 2,602.00 | 2,603.00 | 1,343.00 | 60.00 | 2,156.00 | 1,143.00 | 364.00 | 265.00 |
| Dividends Paid | 8,618.00 | 5,746.00 | 2,875.00 | -4,872.00 | 7,292.00 | 4,866.00 | 2,433.00 | -4,766.00 | 7,077.00 | 4,737.00 | 2,369.00 | -4,614.00 | 6,880.00 | 4,594.00 | 2,298.00 | -4,287.00 | 6,413.00 | 4,274.00 | 2,139.00 |
| Other Financing Activities | 57,427.00 | 13,595.00 | 92,431.00 | 23,979.00 | -34,398.00 | -67,177.00 | -27,141.00 | 49,706.00 | -116,317.00 | -51,984.00 | 3,848.00 | -54,662.00 | -66,161.00 | -19,827.00 | 14,054.00 | -259,548.00 | 153,486.00 | 131,963.00 | 138,951.00 |
| Net Change in Cash | 2,391.00 | -19,294.00 | 3,068.00 | -59,134.00 | 16,760.00 | 3,275.00 | 45,843.00 | 11,363.00 | 22,280.00 | 1,223.00 | -2,851.00 | 131,086.00 | -165,804.00 | -97,015.00 | -40,655.00 | -204,881.00 | 108,240.00 | 93,480.00 | 98,806.00 |
| Cash at Beginning of Period | 72,339.00 | 72,339.00 | 72,339.00 | 131,473.00 | 66,120.00 | 66,120.00 | 66,120.00 | 54,757.00 | 31,866.00 | 31,866.00 | 31,866.00 | -99,220.00 | 206,681.00 | 206,681.00 | 206,681.00 | 411,562.00 | 111,693.00 | 111,693.00 | 111,693.00 |
| Cash at End of Period | 74,730.00 | 53,045.00 | 75,407.00 | 72,339.00 | 82,880.00 | 69,395.00 | 111,963.00 | 66,120.00 | 54,146.00 | 33,089.00 | 29,015.00 | 31,866.00 | 40,877.00 | 109,666.00 | 166,026.00 | 206,681.00 | 219,933.00 | 205,173.00 | 210,499.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |