OSBC

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 9.36 7.53 10.62 19.08 10.74
Price to Sales 69.75 70.25 72.25 40.74 46.69
Book Value Per Common Share 43.80 37.34 28.94 34.07 31.91
Price to Book 0.41 0.41 0.55 0.37 0.32
Price to Operating Cash Flow 4.35 3.89 5.73 6.05 4.29
Price to Free Cash Flow
Enterprise Value to EBITDA 35669.87 30826.68 53163.73 85807.79 35364.98
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 16.00 19.08 37.82 10.53 15.43 28.83 8.25 11.87 26.53 13.32 24.33 53.74 12.93 17.46 32.22
Price to Sales 93.84 129.11 242.21 86.04 124.35 241.96 83.39 121.83 258.93 77.72 114.46 239.04 54.64 79.28 179.48
Book Value Per Common Share 32.30 31.07 29.92 43.80 28.59 26.26 25.17 37.34 21.81 21.08 20.48 28.94 17.25 18.68 20.13 34.07 22.81 22.51 21.90 31.91
Price to Book 0.54 0.57 0.56 0.41 0.55 0.56 0.55 0.41 0.62 0.62 0.69 0.55 0.76 0.72 0.72 0.37 0.57 0.55 0.60 0.32
Price to Operating Cash Flow 11.67 18.99 41.95 6.50 11.25 13.10 6.96 104.90 17.92 9.68 21.97 2303.17 7.44 14.70 25.09
Price to Free Cash Flow
Enterprise Value to EBITDA 76566.56 97960.95 191632.45 52212.41 76231.50 143688.57 46920.05 68551.37 161230.41 86608.68 159106.52 346695.20 80468.82 108342.07 209318.31

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -7.32 35.76 128.79 -29.79
Revenue YoY 16.39 -0.71 5.92 45.64
EBITDA YoY -0.11 66.47 106.32 -22.13
Net Profit YoY -7.05 36.09 236.29 -27.96
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 16.13 111.36 54.17 100.00 50.00 107.55 78.18 103.70 42.25 73.17
Revenue YoY 56.77 100.45 52.19 108.51 52.32 97.44 43.81 92.88 52.25 111.06
EBITDA YoY 45.73 108.61 53.70 101.73 52.32 118.49 245.15 79.25 101.44 41.82 79.38
Net Profit YoY 23.70 110.05 53.12 102.72 49.49 108.28 80.45 101.89 40.64 74.25

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 11.08 11.21 12.93 124.49 55.68
Quick Ratio
Current Ratio
Debt to Equity 3.49 4.15 5.11 4.95 3.84
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 11.06 15.73 28.48 11.07 12.91 13.48 10.96 11.20 12.20 12.61 11.54 12.92 13.03 31.61 71.37 84.58 89.76 102.07 75.44 56.24
Quick Ratio
Current Ratio
Debt to Equity 7.07 6.93 7.25 3.49 7.58 8.14 8.42 4.15 9.81 10.45 10.92 5.11 12.76 12.38 12.35 4.95 9.20 9.29 9.18 3.84
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 1.33 1.44 1.04 0.29 0.81
ROE 5.97 7.39 6.35 1.74 3.91
Gross Margin -11.59 -68.09 33.75 53.65 -62.47
Operating Margin 1879.60 2218.52 1319.12 682.33 1283.57
EBITDA Margin 1957.57 2280.95 1360.52 698.49 1306.30
Net Profit Margin 746.23 934.39 681.75 214.74 434.16
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 0.74 0.73 0.35 1.17 0.76 0.38 1.28 0.84 0.40 0.73 0.40 0.19 0.89 0.64 0.38
ROE 5.94 5.80 2.86 10.00 6.98 3.57 13.80 9.57 4.75 10.10 5.41 2.58 9.06 6.55 3.82
Gross Margin -152.94 20.87 22.31 -13.82 -35.77 -36.67 -16.61 -14.94 -44.43 32.52 89.43 -15.74 -43.17 -39.47
Operating Margin 1148.10 1244.80 1193.30 1601.55 1588.26 1643.50 1742.77 1741.85 1571.20 886.68 717.58 687.25 660.69 708.48 834.64
EBITDA Margin 1224.84 1317.64 1266.11 1648.06 1631.91 1686.80 1778.41 1778.44 1607.14 897.38 719.98 689.40 673.68 723.19 850.95
Net Profit Margin 530.78 672.67 641.96 814.00 809.04 832.17 1008.29 1027.35 973.89 585.11 466.31 445.52 421.17 455.93 552.25

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 6,406,735.00 6,386,331.00 6,489,150.00 6,864,737.00 3,445,430.00
   Deposits 14,652,222.00 14,646,165.00 16,376,552.00 15,216,629.00 7,802,661.00
      Cash and Short-Term Investments 496,645.00 500,725.00 575,885.00 3,760,535.00 1,649,515.00
            Cash and Cash Equivalents 496,645.00 500,725.00 575,885.00 3,760,535.00 1,649,515.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 1,556.00 1,322.00 491.00 4,737.00 12,611.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 94,711.00 79,310.00 72,355.00 88,005.00 45,477.00
      Real Estate 43,217.00 10,223.00 3,161.00 4,756.00 4,974.00
      Goodwill 93,260.00 86,478.00 86,478.00 154,059.00 0
      Intangible Assets 22,031.00 11,217.00 13,678.00 16,304.00 0
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 26,619.00 31,077.00 44,750.00 6,100.00 8,121.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 4,978,343.00 5,145,518.00 5,427,176.00 5,710,162.00 2,733,750.00
      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 80,000.00 1,620,000.00 360,000.00 0 0
      Other Current Liabilities 0 0 0 0 0
      Long-Term Debt 0 0 0 0 0
      Other Non-Current Liabilities 0 0 0 0 0
Equity 1,428,392.00 1,240,813.00 1,061,974.00 1,154,575.00 711,680.00
   Shareholders Equity 1,965,354.00 1,669,062.00 1,290,299.00 1,514,849.00 936,023.00
      Capital Stock 44,908.00 44,705.00 44,705.00 44,705.00 34,957.00
      Share Premium 205,284.00 202,223.00 202,276.00 202,443.00 122,212.00
      Retained Earnings 469,165.00 393,311.00 310,512.00 252,011.00 236,579.00
      Treasury Shares 575.00 177.00 3,228.00 5,900.00 101,423.00
      Accumulated Other Comprehensive Income -47,748.00 -62,781.00 -93,124.00 8,768.00 14,762.00
   Minority Interest 0 0 0 0 0
Investments 153,679.00 159,563.00 10,950,479.00 12,073,394.00 224,517.00
Debt 344,941.00 1,882,605.00 892,378.00 525,557.00 239,785.00
Net Debt 0 1,381,880.00 316,493.00 0 0
Common Shares Outstanding 44,873.47 44,697.92 44,582.31 44,461.04 29,328.72
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 11,426.00 9,817.00 9,887.00 9,334.00 6,409.00
Cost Of Revenue 12,750.00 16,501.00 6,550.00 4,326.00 10,413.00
Interest Income 297,904.00 291,970.00 216,473.00 105,215.00 104,215.00
Interest Expense 56,269.00 40,039.00 10,317.00 8,451.00 12,464.00
Net Interest 241,635.00 251,931.00 206,156.00 96,764.00 91,751.00
Non-Interest Income 43,819.00 34,179.00 43,116.00 39,230.00 37,487.00
Non-Interest Expense 159,748.00 145,201.00 151,173.00 103,801.00 81,417.00
Provisions for Credit Losses 12,750.00 16,501.00 6,550.00 4,326.00 10,413.00
Gross Profit -1,324.00 -6,684.00 3,337.00 5,008.00 -4,004.00
   Selling, General and Administrative Expenses 11,984.00 9,210.00 17,605.00 9,495.00 6,471.00
EBT 158,494.00 177,753.00 120,104.00 55,238.00 69,800.00
Income Tax 25,048.00 29,370.00 20,928.00 4,837.00 7,368.00
Net Income 85,264.00 91,729.00 67,405.00 20,044.00 27,825.00
EBIT 214,763.00 217,792.00 130,421.00 63,689.00 82,264.00
Deprecation and Amortization 8,909.00 6,129.00 4,094.00 1,508.00 1,457.00
EBITDA 223,672.00 223,921.00 134,515.00 65,197.00 83,721.00
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 44,828.29 44,663.72 44,526.65 30,208.66 29,623.33
Average Shares Outstanding Diluted 45,639.35 45,395.01 45,213.09 30,737.86 30,174.07
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 183,315.00 177,471.00 124,731.00 62,845.00 69,738.00
   Operating Net Income 255,792.00 275,187.00 202,215.00 60,132.00 83,475.00
   Deprecation and Amortization 8,909.00 6,129.00 4,094.00 1,508.00 1,457.00
   Deferred Income Tax 0 0 0 6,479.00 -646.00
   Share Based Compensation 3,914.00 3,603.00 2,960.00 1,435.00 2,089.00
   Change in Working Capital 5,741.00 -4,078.00 7,354.00 -9,981.00 6,744.00
   Other Operating Activities -91,041.00 -103,370.00 -91,892.00 3,272.00 -23,381.00
Investing Cash Flow 322,701.00 161,555.00 -432,778.00 38,512.00 -103,808.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 10,787.00 16,918.00 17,678.00 2,033.00 3,921.00
   Net Purchase/Sale of Investments Net 578,229.00 407,206.00 613,419.00 1,636,651.00 51,329.00
   Net Purchase/Sale of Business -237,441.00 0 146.00 -54,589.00 0
   Net Loan & Lease Activity -34,710.00 197,574.00 443,904.00 -122,102.00 103,887.00
   Other Investing Activities 5,836.00 -460,143.00 -1,507,925.00 -1,423,481.00 -262,945.00
Financing Cash Flow -465,511.00 -356,539.00 -314,828.00 298,358.00 334,380.00
   Net Issuance/Repayment of Debt 10,187.00 93,314.00 -14,181.00 105,653.00 61,287.00
   Net Issuance/Repurchase of Equity 1,048.00 605.00 455.00 10,417.00 5,922.00
   Dividends Paid 9,413.00 8,946.00 8,877.00 4,612.00 1,186.00
   Other Financing Activities -486,159.00 -459,404.00 -309,979.00 177,676.00 265,985.00
Net Change in Cash 40,505.00 -17,513.00 -622,875.00 399,715.00 300,310.00
   Cash at Beginning of Period 58,824.00 117,658.00 738,052.00 352,392.00 29,593.00
   Cash at End of Period 99,329.00 100,145.00 115,177.00 752,107.00 329,903.00
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 6,991,754.00 5,701,294.00 5,727,686.00 6,406,735.00 5,671,760.00 5,662,700.00 5,616,072.00 6,386,331.00 5,758,156.00 5,883,942.00 5,920,283.00 6,489,150.00 5,967,705.00 6,005,543.00 6,223,746.00 6,864,737.00 3,275,132.00 3,250,634.00 3,166,652.00 3,445,430.00
   Deposits 16,734,584.00 14,709,127.00 14,846,715.00 14,652,222.00 13,937,848.00 14,228,917.00 14,616,331.00 14,646,165.00 14,816,617.00 15,128,246.00 15,644,872.00 16,376,552.00 16,857,150.00 16,920,526.00 15,474,586.00 15,216,629.00 8,541,572.00 8,449,676.00 8,261,076.00 7,802,661.00
      Cash and Short-Term Investments 582,625.00 708,835.00 1,280,605.00 496,645.00 578,835.00 604,460.00 490,470.00 500,725.00 545,165.00 563,050.00 515,110.00 575,885.00 580,770.00 1,406,675.00 3,173,385.00 3,760,535.00 2,596,265.00 2,963,800.00 2,204,725.00 1,649,515.00
            Cash and Cash Equivalents 582,625.00 708,835.00 1,280,605.00 496,645.00 578,835.00 604,460.00 490,470.00 500,725.00 545,165.00 563,050.00 515,110.00 575,885.00 580,770.00 1,406,675.00 3,173,385.00 3,760,535.00 2,596,265.00 2,963,800.00 2,204,725.00 1,649,515.00
            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 1,463.00 3,235.00 4,202.00 1,556.00 2,447.00 2,291.00 1,072.00 1,322.00 2,297.00 1,218.00 946.00 491.00 1,297.00 1,707.00 8,075.00 4,737.00 3,009.00 6,814.00 7,842.00 12,611.00
      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 87,714.00 85,702.00 87,466.00 94,711.00 82,768.00 82,871.00 81,290.00 79,310.00 76,472.00 72,797.00 72,547.00 72,355.00 77,301.00 81,901.00 86,156.00 88,005.00 44,120.00 44,544.00 45,055.00 45,477.00
      Real Estate 12,816.00 12,986.00 5,778.00 43,217.00 16,402.00 13,820.00 10,223.00 10,223.00 407.00 761.00 2,555.00 3,161.00 3,161.00 3,224.00 4,774.00 4,756.00 3,812.00 3,777.00 4,363.00 4,974.00
      Goodwill 130,262.00 93,232.00 93,232.00 93,260.00 86,478.00 86,478.00 86,478.00 86,478.00 86,478.00 86,478.00 86,478.00 86,478.00 86,478.00 86,332.00 86,332.00 154,059.00 0 0 18,600.00 0
      Intangible Assets 24,927.00 19,972.00 20,994.00 22,031.00 9,493.00 10,063.00 10,637.00 11,217.00 11,820.00 12,436.00 13,054.00 13,678.00 14,323.00 14,980.00 15,639.00 16,304.00 0 0 0 0
      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 33,374.00 20,395.00 23,684.00 26,619.00 22,032.00 28,710.00 31,699.00 31,077.00 44,051.00 39,827.00 37,845.00 44,750.00 49,620.00 32,481.00 22,628.00 6,100.00 7,335.00 6,696.00 8,067.00 8,121.00
      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 6,125,069.00 4,982,645.00 5,033,195.00 4,978,343.00 5,010,370.00 5,043,365.00 5,019,913.00 5,145,518.00 5,225,598.00 5,369,987.00 5,423,413.00 5,427,176.00 5,533,991.00 5,556,639.00 5,757,428.00 5,710,162.00 2,953,900.00 2,934,696.00 2,855,539.00 2,733,750.00
      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 660,000.00 0 0 80,000.00 1,340,000.00 1,320,000.00 880,000.00 1,620,000.00 1,740,000.00 1,940,000.00 1,260,000.00 360,000.00 100,000.00 0 0 0 0 0 0 0
      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 866,685.00 718,649.00 694,491.00 1,428,392.00 661,390.00 619,335.00 596,159.00 1,240,813.00 532,558.00 513,955.00 496,870.00 1,061,974.00 433,714.00 448,904.00 466,318.00 1,154,575.00 321,232.00 315,938.00 311,113.00 711,680.00
   Shareholders Equity 1,701,076.00 1,399,872.00 1,347,603.00 1,965,354.00 1,282,380.00 1,177,901.00 1,128,957.00 1,669,062.00 974,497.00 941,724.00 914,640.00 1,290,299.00 769,039.00 832,564.00 895,152.00 1,514,849.00 654,713.00 646,309.00 635,492.00 936,023.00
      Capital Stock 53,015.00 45,094.00 45,094.00 44,908.00 44,908.00 44,908.00 44,908.00 44,705.00 44,705.00 44,705.00 44,705.00 44,705.00 44,705.00 44,705.00 44,705.00 44,705.00 34,957.00 34,957.00 34,957.00 34,957.00
      Share Premium 340,108.00 206,207.00 205,282.00 205,284.00 204,969.00 204,012.00 203,129.00 202,223.00 201,553.00 200,963.00 200,121.00 202,276.00 201,700.00 201,282.00 203,190.00 202,443.00 121,074.00 120,572.00 120,075.00 122,212.00
      Retained Earnings 512,131.00 505,419.00 486,300.00 469,165.00 452,745.00 432,037.00 412,388.00 393,311.00 377,320.00 355,219.00 331,890.00 310,512.00 289,126.00 271,831.00 261,807.00 252,011.00 262,513.00 255,536.00 248,165.00 236,579.00
      Treasury Shares 6,275.00 645.00 806.00 575.00 832.00 853.00 905.00 177.00 401.00 746.00 746.00 3,228.00 3,428.00 3,670.00 5,900.00 5,900.00 109,561.00 109,560.00 105,350.00 101,423.00
      Accumulated Other Comprehensive Income -32,294.00 -37,426.00 -41,379.00 -47,748.00 -40,400.00 -60,769.00 -63,361.00 -62,781.00 -90,619.00 -86,186.00 -79,100.00 -93,124.00 -98,389.00 -65,244.00 -37,484.00 8,768.00 12,249.00 14,433.00 13,266.00 14,762.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 157,690.00 189,400.00 158,942.00 153,679.00 127,947.00 149,909.00 193,861.00 159,563.00 241,430.00 166,874.00 233,060.00 10,950,479.00 11,507,713.00 12,370,412.00 12,823,088.00 12,073,394.00 5,200,755.00 215,816.00 217,899.00 224,517.00
Debt 899,325.00 180,160.00 179,723.00 344,941.00 1,519,424.00 1,498,011.00 1,057,987.00 1,882,605.00 1,914,851.00 2,115,861.00 1,651,168.00 892,378.00 502,577.00 404,972.00 406,445.00 525,557.00 396,506.00 399,745.00 205,172.00 239,785.00
Net Debt 316,700.00 0 0 0 940,589.00 893,551.00 567,517.00 1,381,880.00 1,369,686.00 1,552,811.00 1,136,058.00 316,493.00 0 0 0 0 0 0 0 0
Common Shares Outstanding 52,664.54 45,056.18 45,047.15 44,873.47 44,851.09 44,849.59 44,845.63 44,697.92 44,684.99 44,665.13 44,665.13 44,582.31 44,572.54 44,562.07 44,461.04 44,461.04 28,707.74 28,707.74 29,018.64 29,328.72
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 9,707.00 6,192.00 3,089.00 -4,602.00 8,127.00 5,340.00 2,561.00 -4,683.00 7,290.00 4,786.00 2,424.00 -5,499.00 7,484.00 5,204.00 2,698.00 -4,269.00 6,912.00 4,540.00 2,151.00
Cost Of Revenue 24,553.00 4,900.00 2,400.00 -7,250.00 9,250.00 7,250.00 3,500.00 -1,002.00 8,501.00 5,501.00 3,501.00 950.00 5,050.00 550.00 0 -13,174.00 8,000.00 6,500.00 3,000.00
Interest Income 252,878.00 148,803.00 73,565.00 -144,604.00 222,625.00 146,553.00 73,330.00 -140,508.00 218,274.00 144,045.00 70,159.00 -66,310.00 148,728.00 90,720.00 43,335.00 -44,137.00 74,376.00 49,585.00 25,391.00
Interest Expense 42,965.00 21,665.00 10,661.00 -26,932.00 42,574.00 27,080.00 13,547.00 -9,991.00 27,578.00 16,379.00 6,073.00 -2,669.00 6,663.00 4,224.00 2,099.00 -3,746.00 6,261.00 4,088.00 1,848.00
Net Interest 209,913.00 127,138.00 62,904.00 -117,672.00 180,051.00 119,473.00 59,783.00 -130,517.00 190,696.00 127,666.00 64,086.00 -63,641.00 142,065.00 86,496.00 41,236.00 -40,391.00 68,115.00 45,497.00 23,543.00
Non-Interest Income 34,208.00 21,099.00 10,201.00 -20,519.00 32,209.00 21,628.00 10,501.00 -14,194.00 25,450.00 15,573.00 7,350.00 -27,221.00 34,170.00 22,674.00 13,493.00 -19,848.00 28,559.00 19,219.00 11,300.00
Non-Interest Expense 151,087.00 87,924.00 44,505.00 -70,037.00 115,426.00 76,118.00 38,241.00 -69,648.00 108,175.00 70,752.00 35,922.00 -74,103.00 111,489.00 75,501.00 38,286.00 -26,344.00 65,268.00 43,139.00 21,738.00
Provisions for Credit Losses 24,553.00 4,900.00 2,400.00 -7,250.00 9,250.00 7,250.00 3,500.00 -1,002.00 8,501.00 5,501.00 3,501.00 950.00 5,050.00 550.00 0 21,826.00 -8,000.00 -6,500.00 -3,000.00
Gross Profit -14,846.00 1,292.00 689.00 2,648.00 -1,123.00 -1,910.00 -939.00 -3,681.00 -1,211.00 -715.00 -1,077.00 -3,751.00 2,434.00 4,654.00 0 8,905.00 -1,088.00 -1,960.00 -849.00
   Selling, General and Administrative Expenses 11,169.00 6,185.00 2,845.00 -5,214.00 8,718.00 5,724.00 2,756.00 -3,166.00 6,235.00 3,920.00 2,221.00 -14,635.00 14,199.00 11,316.00 6,725.00 -644.00 5,195.00 3,310.00 1,634.00
EBT 68,481.00 55,413.00 26,200.00 -15,366.00 87,584.00 57,733.00 28,543.00 -20,716.00 99,470.00 66,986.00 32,013.00 10,846.00 59,696.00 33,119.00 16,443.00 -28,350.00 39,406.00 28,077.00 16,105.00
Income Tax 16,958.00 13,761.00 6,370.00 -18,143.00 21,430.00 14,530.00 7,231.00 -22,819.00 25,966.00 17,817.00 8,406.00 -8,253.00 15,906.00 8,852.00 4,423.00 -17,062.00 10,295.00 7,378.00 4,226.00
Net Income 51,523.00 41,652.00 19,830.00 -45,405.00 66,154.00 43,203.00 21,312.00 -54,551.00 73,504.00 49,169.00 23,607.00 -12,672.00 43,790.00 24,267.00 12,020.00 -41,645.00 29,111.00 20,699.00 11,879.00
EBIT 111,446.00 77,078.00 36,861.00 -42,298.00 130,158.00 84,813.00 42,090.00 -30,707.00 127,048.00 83,365.00 38,086.00 8,177.00 66,359.00 37,343.00 18,542.00 -32,096.00 45,667.00 32,165.00 17,953.00
Deprecation and Amortization 7,449.00 4,510.00 2,249.00 1,689.00 3,780.00 2,331.00 1,109.00 909.00 2,598.00 1,751.00 871.00 3,110.00 801.00 125.00 58.00 -409.00 898.00 668.00 351.00
EBITDA 118,895.00 81,588.00 39,110.00 -40,609.00 133,938.00 87,144.00 43,199.00 -29,798.00 129,646.00 85,116.00 38,957.00 11,287.00 67,160.00 37,468.00 18,600.00 -32,505.00 46,565.00 32,833.00 18,304.00
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 52,686.39 45,053.65 44,967.73 44,857.43 44,850.32 44,846.85 44,758.56 44,695.15 44,675.49 44,665.13 44,619.12 44,580.55 44,565.63 44,499.39 44,461.04 33,646.91 28,925.61 29,036.35 29,225.78
Average Shares Outstanding Diluted 53,509.69 45,839.46 45,721.11 45,672.14 45,679.14 45,682.24 45,523.88 45,410.61 45,428.41 45,424.42 45,316.60 45,222.36 45,221.54 45,246.74 45,161.71 34,132.92 29,458.81 29,574.96 29,784.76
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 78,024.00 42,083.00 17,838.00 -30,550.00 107,537.00 59,038.00 47,290.00 49,584.00 87,321.00 5,562.00 35,004.00 37,292.00 60,061.00 27,100.00 278.00 -27,806.00 50,766.00 24,495.00 15,390.00
   Operating Net Income 51,523.00 41,652.00 19,830.00 125,123.00 66,154.00 43,203.00 21,312.00 128,907.00 73,504.00 49,169.00 23,607.00 122,138.00 43,790.00 24,267.00 12,020.00 -1,557.00 29,111.00 20,699.00 11,879.00
   Deprecation and Amortization 7,449.00 4,510.00 2,249.00 1,689.00 3,780.00 2,331.00 1,109.00 909.00 2,598.00 1,751.00 871.00 3,226.00 801.00 125.00 -58.00 -409.00 898.00 668.00 351.00
   Deferred Income Tax 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6,479.00 0 0 0
   Share Based Compensation 4,087.00 2,531.00 1,383.00 -2,336.00 3,085.00 2,107.00 1,058.00 -1,812.00 2,709.00 1,774.00 932.00 -1,432.00 2,176.00 1,469.00 747.00 -403.00 1,113.00 611.00 114.00
   Change in Working Capital -4,568.00 -2,695.00 5,797.00 -4,204.00 5,137.00 -17.00 4,825.00 -11,735.00 1,070.00 -456.00 7,043.00 -2,151.00 7,279.00 -729.00 2,955.00 -12,380.00 329.00 -1,487.00 3,557.00
   Other Operating Activities 19,533.00 -3,915.00 -11,421.00 -150,822.00 29,381.00 11,414.00 18,986.00 -66,685.00 7,440.00 -46,676.00 2,551.00 -84,489.00 6,015.00 1,968.00 -15,386.00 -19,536.00 19,315.00 4,004.00 -511.00
Investing Cash Flow 78,361.00 -13,426.00 76,737.00 94,596.00 63,397.00 70,818.00 93,890.00 30,945.00 124,514.00 49,018.00 -42,922.00 599,812.00 -506,355.00 -349,699.00 -176,536.00 75,134.00 -57,001.00 46,988.00 -26,609.00
   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 5,217.00 2,398.00 1,609.00 -7,474.00 8,638.00 6,293.00 3,330.00 -2,227.00 12,677.00 4,152.00 2,316.00 -7,912.00 14,837.00 9,016.00 1,737.00 166.00 929.00 595.00 343.00
   Net Purchase/Sale of Investments Net 529,647.00 341,425.00 207,253.00 -202,960.00 390,757.00 336,775.00 53,657.00 -236,861.00 316,195.00 219,498.00 108,374.00 -719,681.00 537,376.00 453,706.00 342,018.00 1,080,531.00 479,849.00 68,687.00 7,584.00
   Net Purchase/Sale of Business -10,529.00 -28.00 -28.00 -237,441.00 0 0 0 0 0 0 0 0.00 146.00 0 0 -54,589.00 0 0 0
   Net Loan & Lease Activity -34,710.00 197,574.00 443,904.00 -122,102.00 103,887.00
   Other Investing Activities -531,332.00 -384,562.00 -95,282.00 414,672.00 -297,520.00 -218,267.00 106,951.00 513,122.00 -368,610.00 -318,598.00 -286,057.00 1,505,184.00 -1,502,342.00 -1,012,376.00 -498,391.00 -1,206,638.00 -369,228.00 111,063.00 41,322.00
Financing Cash Flow -139,189.00 13,781.00 62,217.00 -57,859.00 -155,312.00 -109,109.00 -143,231.00 -77,176.00 -217,979.00 -57,147.00 -4,237.00 -35,824.00 -189,659.00 -148,173.00 58,828.00 -210,862.00 195,585.00 191,374.00 122,261.00
   Net Issuance/Repayment of Debt -12,367.00 10,595.00 2,007.00 -44,357.00 27,396.00 20,072.00 7,076.00 -12,541.00 47,738.00 53,376.00 4,741.00 24,213.00 -11,840.00 -10,738.00 -15,816.00 -6,551.00 38,130.00 62,733.00 11,341.00
   Net Issuance/Repurchase of Equity 7,376.00 1,492.00 1,430.00 -1,310.00 791.00 791.00 776.00 -1,210.00 605.00 605.00 605.00 -392.00 447.00 400.00 0 -16,538.00 10,389.00 10,388.00 6,178.00
   Dividends Paid 8,552.00 5,397.00 2,694.00 -4,025.00 6,723.00 4,478.00 2,237.00 -4,482.00 6,713.00 4,478.00 2,237.00 -4,388.00 6,650.00 4,423.00 2,192.00 -600.00 3,177.00 1,742.00 293.00
   Other Financing Activities -142,750.00 -3,703.00 56,086.00 -8,167.00 -190,222.00 -134,450.00 -153,320.00 -58,943.00 -273,035.00 -115,606.00 -11,820.00 -55,257.00 -184,916.00 -142,258.00 72,452.00 -187,173.00 143,889.00 116,511.00 104,449.00
Net Change in Cash 17,196.00 42,438.00 156,792.00 6,187.00 15,622.00 20,747.00 -2,051.00 3,353.00 -6,144.00 -2,567.00 -12,155.00 601,280.00 -635,953.00 -470,772.00 -117,430.00 -163,534.00 189,350.00 262,857.00 111,042.00
   Cash at Beginning of Period 99,329.00 99,329.00 99,329.00 93,142.00 100,145.00 100,145.00 100,145.00 96,792.00 115,177.00 115,177.00 115,177.00 -486,103.00 752,107.00 752,107.00 752,107.00 915,641.00 329,903.00 329,903.00 329,903.00
   Cash at End of Period 116,525.00 141,767.00 256,121.00 99,329.00 115,767.00 120,892.00 98,094.00 100,145.00 109,033.00 112,610.00 103,022.00 115,177.00 116,154.00 281,335.00 634,677.00 752,107.00 519,253.00 592,760.00 440,945.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0