OVBC
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 10.44 | 8.68 | 9.44 | 12.10 | |
| Price to Sales | |||||
| Book Value Per Common Share | 95.21 | 90.48 | 84.94 | 88.71 | 85.43 |
| Price to Book | 0.25 | 0.25 | 0.31 | 0.33 | |
| Price to Operating Cash Flow | 7.56 | 4.36 | 6.29 | 6.77 | |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 26360.60 | 33119.62 | 62249.27 | 76553.42 |
| 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 | 14.97 | 17.61 | 27.71 | 13.54 | 16.53 | 42.16 | 12.31 | 16.49 | 28.55 | 13.50 | 23.40 | 34.62 | 13.58 | 18.25 | 32.81 |
| Price to Sales | |||||||||||||||
| Book Value Per Common Share | 34.90 | 34.12 | 33.05 | 32.06 | 30.60 | 30.46 | 28.65 | 28.91 | 28.81 | 26.95 | 27.78 | 28.69 | 29.44 | 29.12 | 28.77 |
| Price to Book | 1.06 | 0.94 | 0.79 | 0.76 | 0.65 | 0.80 | 0.85 | 0.86 | 0.81 | 1.03 | 1.09 | 1.05 | 0.91 | 0.84 | 0.84 |
| Price to Operating Cash Flow | 16.94 | 30.53 | 247.39 | 10.74 | 18.65 | 126.10 | 8.19 | 14.45 | 26.45 | 12.98 | 28.18 | 55.95 | 15.85 | 28.74 | 169.67 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -12.45 | -5.36 | 14.29 | 14.49 | |
| Revenue YoY | |||||
| EBITDA YoY | 31.22 | 63.78 | 9.33 | -19.86 | |
| Net Profit YoY | -12.92 | -5.30 | 13.69 | 14.36 |
| 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 | 34.97 | 94.68 | 47.93 | 108.62 | 31.33 | 82.93 | 59.69 | 48.28 | 47.01 | 81.08 | |||||
| Revenue YoY | |||||||||||||||
| EBITDA YoY | |||||||||||||||
| Net Profit YoY | 35.17 | 95.55 | 47.16 | 106.41 | 31.45 | 83.14 | 60.25 | 48.46 | 47.50 | 81.03 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 35.67 | 54.98 | 20.66 | 65.21 | 59.16 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 4.54 | 0.75 | 0.74 | 0.73 | 0.73 |
| 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 | 18.96 | 11.60 | 25.60 | 17.32 | 22.61 | 26.97 | 19.10 | 23.83 | 37.80 | 47.80 | 39.83 | 69.22 | 56.96 | 52.79 | 74.17 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 8.55 | 8.40 | 8.72 | 8.82 | 8.63 | 8.42 | 8.61 | 8.23 | 8.21 | 8.74 | 8.46 | 8.21 | 7.84 | 7.87 | 7.89 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.66 | 0.44 | 0.52 | 0.44 | 0.41 |
| ROE | 3.66 | 0.77 | 0.90 | 0.77 | 0.70 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| 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 | 0.74 | 0.57 | 0.29 | 0.57 | 0.41 | 0.20 | 0.72 | 0.56 | 0.31 | 0.78 | 0.49 | 0.33 | 0.76 | 0.52 | 0.29 |
| ROE | 7.08 | 5.36 | 2.83 | 5.58 | 3.96 | 1.92 | 6.88 | 5.18 | 2.84 | 7.63 | 4.62 | 3.02 | 6.69 | 4.58 | 2.56 |
| Gross Margin | |||||||||||||||
| Operating Margin | |||||||||||||||
| EBITDA Margin | |||||||||||||||
| Net Profit Margin |
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 | 1,665,022.00 | 2,862,091.00 | 2,570,297.00 | 2,654,279.00 | 2,523,035.00 |
| Deposits | 1,275,178.00 | 1,127,136.00 | 1,027,655.00 | 1,059,908.00 | 993,739.00 |
| Cash and Short-Term Investments | 168,955.00 | 262,500.00 | 98,539.00 | 311,763.00 | 283,218.00 |
| Cash and Cash Equivalents | 168,955.00 | 262,500.00 | 98,539.00 | 311,763.00 | 283,218.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 6,436,995.00 | 5,881,409.00 | 7,541,298.00 | 7,091,497.00 | 3,319.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 22,253.00 | 22,655.00 | 21,730.00 | 21,925.00 | 22,192.00 |
| Goodwill | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 |
| Intangible Assets | 0 | 8.00 | 29.00 | 64.00 | 112.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 7,218.00 | 6,306.00 | 6,266.00 | 148.00 | 136.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 1,364,366.00 | 1,221,942.00 | 1,089,454.00 | 1,121,798.00 | 1,063,455.00 |
| 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 | 0 | 0 | 0 | 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 | 300,656.00 | 1,640,149.00 | 1,480,843.00 | 1,532,481.00 | 1,459,580.00 |
| Shareholders Equity | 450,984.00 | 432,021.00 | 405,084.00 | 424,068.00 | 408,972.00 |
| Capital Stock | 5,491.00 | 5,470.00 | 5,465.00 | 5,447.00 | 5,447.00 |
| Share Premium | 52,321.00 | 51,842.00 | 51,722.00 | 51,165.00 | 51,165.00 |
| Retained Earnings | 121,693.00 | 114,871.00 | 109,320.00 | 100,702.00 | 92,988.00 |
| Treasury Shares | 18,693.00 | 16,748.00 | 16,666.00 | 16,666.00 | 15,712.00 |
| Accumulated Other Comprehensive Income | -10,484.00 | -11,428.00 | -14,813.00 | 708.00 | 2,436.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 6,712,933.00 | 5,721,449.00 | 7,592,643.00 | 7,163,607.00 | 252,190.00 |
| Debt | 18,024.00 | 18,205.00 | 18,294.00 | 18,195.00 | 17,880.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 2,469.00 | 2,090.00 | 96.00 | 419.00 | 0 |
| Interest Income | 75,763.00 | 61,875.00 | 47,630.00 | 44,744.00 | 46,221.00 |
| Interest Expense | 26,959.00 | 15,838.00 | 2,838.00 | 3,699.00 | 6,191.00 |
| Net Interest | 48,804.00 | 46,027.00 | 44,778.00 | 41,013.00 | 39,982.00 |
| Non-Interest Income | 13,171.00 | 12,629.00 | 10,162.00 | 9,864.00 | 11,438.00 |
| Non-Interest Expense | 46,130.00 | 41,368.00 | 39,040.00 | 37,280.00 | 36,133.00 |
| Provisions for Credit Losses | 2,469.00 | 2,090.00 | -96.00 | -419.00 | 0 |
| Selling, General and Administrative Expenses | 7,725.00 | 7,378.00 | 7,708.00 | 6,606.00 | 6,119.00 |
| EBT | 13,376.00 | 15,198.00 | 15,932.00 | 14,016.00 | 15,839.00 |
| Income Tax | 2,170.00 | 4,938.00 | 5,047.00 | 4,456.00 | 3,975.00 |
| Net Income | 10,999.00 | 12,631.00 | 13,338.00 | 11,732.00 | 10,259.00 |
| EBIT | 40,335.00 | 31,036.00 | 18,770.00 | 17,715.00 | 22,030.00 |
| Deprecation and Amortization | 3,163.00 | 2,114.00 | 1,470.00 | 797.00 | 1,070.00 |
| EBITDA | 43,498.00 | 33,150.00 | 20,240.00 | 18,512.00 | 23,100.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 4,736.82 | 4,774.61 | 4,769.14 | 4,780.61 | 4,787.45 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 15,173.00 | 25,187.00 | 20,045.00 | 20,943.00 | 16,992.00 |
| Operating Net Income | 32,997.00 | 50,524.00 | 53,352.00 | 46,928.00 | 41,036.00 |
| Deprecation and Amortization | 3,163.00 | 2,114.00 | 1,470.00 | 797.00 | 1,070.00 |
| Deferred Income Tax | -1,180.00 | -745.00 | 288.00 | -130.00 | 12.00 |
| Share Based Compensation | 500.00 | 125.00 | 575.00 | 0 | 0 |
| Change in Working Capital | -1,232.00 | 4,225.00 | 2,807.00 | 972.00 | -240.00 |
| Other Operating Activities | -19,075.00 | -31,056.00 | -38,447.00 | -27,624.00 | -24,886.00 |
| Investing Cash Flow | -194,751.00 | -57,741.00 | -83,634.00 | -52,874.00 | -88,325.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 1,462.00 | 2,908.00 | 2,408.00 | 1,571.00 | 3,463.00 |
| Net Purchase/Sale of Investments Net | 173,606.00 | 28,771.00 | 107,664.00 | 254,643.00 | 40,117.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 90,997.00 | 87,481.00 | 55,028.00 | -17,181.00 | 78,038.00 |
| Other Investing Activities | -460,816.00 | -176,901.00 | -248,734.00 | -291,907.00 | -209,943.00 |
| Financing Cash Flow | 131,052.00 | 116,241.00 | -43,124.00 | 46,916.00 | 157,084.00 |
| Net Issuance/Repayment of Debt | 5,071.00 | 33,390.00 | 2,149.00 | 7,329.00 | 4,464.00 |
| Net Issuance/Repurchase of Equity | 1,945.00 | 82.00 | 0 | 954.00 | 0 |
| Dividends Paid | 4,177.00 | 4,871.00 | 4,720.00 | 4,018.00 | 4,022.00 |
| Other Financing Activities | 119,859.00 | 77,898.00 | -49,993.00 | 34,615.00 | 148,598.00 |
| Net Change in Cash | -48,526.00 | 83,687.00 | -106,713.00 | 13,731.00 | 85,947.00 |
| Cash at Beginning of Period | 131,633.00 | 44,439.00 | 152,703.00 | 138,303.00 | 52,356.00 |
| Cash at End of Period | 83,107.00 | 128,126.00 | 45,990.00 | 152,034.00 | 138,303.00 |
| 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 | 1,570,043.00 | 1,510,358.00 | 1,513,105.00 | 1,665,022.00 | 1,494,023.00 | 1,403,317.00 | 1,372,599.00 | 2,862,091.00 | 1,313,952.00 | 1,274,230.00 | 1,266,465.00 | 2,570,297.00 | 1,252,474.00 | 1,253,886.00 | 1,258,176.00 | 2,654,279.00 | 1,245,378.00 | 1,236,988.00 | 1,225,184.00 | 2,523,035.00 |
| Deposits | 1,332,487.00 | 1,276,762.00 | 1,284,169.00 | 1,275,178.00 | 1,261,420.00 | 1,178,428.00 | 1,148,784.00 | 1,127,136.00 | 1,095,540.00 | 1,076,572.00 | 1,081,195.00 | 1,027,655.00 | 1,074,325.00 | 1,073,354.00 | 1,074,418.00 | 1,059,908.00 | 1,051,675.00 | 1,045,090.00 | 1,032,628.00 | 993,739.00 |
| Cash and Short-Term Investments | 89,316.00 | 54,627.00 | 120,608.00 | 168,955.00 | 82,204.00 | 107,679.00 | 129,060.00 | 262,500.00 | 91,190.00 | 113,835.00 | 180,431.00 | 98,539.00 | 228,090.00 | 190,061.00 | 329,572.00 | 311,763.00 | 272,628.00 | 252,735.00 | 355,095.00 | 283,218.00 |
| Cash and Cash Equivalents | 89,316.00 | 54,627.00 | 120,608.00 | 168,955.00 | 82,204.00 | 107,679.00 | 129,060.00 | 262,500.00 | 91,190.00 | 113,835.00 | 180,431.00 | 98,539.00 | 228,090.00 | 190,061.00 | 329,572.00 | 311,763.00 | 272,628.00 | 252,735.00 | 355,095.00 | 283,218.00 |
| 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 | 6,900,107.00 | 6,686,781.00 | 6,341,989.00 | 6,436,995.00 | 6,360,062.00 | 6,287,299.00 | 5,983,167.00 | 5,881,409.00 | 5,797,152.00 | 5,724,079.00 | 5,465,322.00 | 7,541,298.00 | 7,299,827.00 | 7,401,484.00 | 6,912,435.00 | 7,091,497.00 | 7,214,818.00 | 7,236,598.00 | 3,257.00 | 3,319.00 |
| 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 | 21,745.00 | 21,777.00 | 22,135.00 | 22,253.00 | 22,511.00 | 22,580.00 | 22,887.00 | 22,655.00 | 22,602.00 | 22,388.00 | 21,734.00 | 21,730.00 | 21,660.00 | 21,858.00 | 21,715.00 | 21,925.00 | 22,046.00 | 22,067.00 | 22,260.00 | 22,192.00 |
| Goodwill | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 | 7,319.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 1.00 | 5.00 | 8.00 | 11.00 | 16.00 | 23.00 | 29.00 | 35.00 | 44.00 | 54.00 | 64.00 | 74.00 | 85.00 | 99.00 | 112.00 |
| 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 | 6,056.00 | 6,065.00 | 6,647.00 | 7,218.00 | 5,108.00 | 6,442.00 | 6,438.00 | 6,306.00 | 7,050.00 | 6,412.00 | 6,160.00 | 6,266.00 | 7,056.00 | 5,296.00 | 0 | 148.00 | 0 | 0 | 0 | 136.00 |
| 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 | 1,405,626.00 | 1,349,598.00 | 1,357,390.00 | 1,364,366.00 | 1,341,870.00 | 1,257,560.00 | 1,226,817.00 | 1,221,942.00 | 1,177,159.00 | 1,136,158.00 | 1,128,920.00 | 1,089,454.00 | 1,123,854.00 | 1,121,316.00 | 1,121,565.00 | 1,121,798.00 | 1,104,448.00 | 1,097,564.00 | 1,087,444.00 | 1,063,455.00 |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 164,417.00 | 160,760.00 | 155,715.00 | 300,656.00 | 152,153.00 | 145,757.00 | 145,782.00 | 1,640,149.00 | 136,793.00 | 138,072.00 | 137,545.00 | 1,480,843.00 | 128,620.00 | 132,570.00 | 136,611.00 | 1,532,481.00 | 140,930.00 | 139,424.00 | 137,740.00 | 1,459,580.00 |
| Shareholders Equity | 164,417.00 | 160,760.00 | 155,715.00 | 450,984.00 | 152,153.00 | 145,757.00 | 145,782.00 | 432,021.00 | 136,793.00 | 138,072.00 | 137,545.00 | 405,084.00 | 128,620.00 | 132,570.00 | 136,611.00 | 424,068.00 | 140,930.00 | 139,424.00 | 137,740.00 | 408,972.00 |
| Capital Stock | 5,491.00 | 5,491.00 | 5,491.00 | 5,491.00 | 5,491.00 | 5,491.00 | 5,491.00 | 5,470.00 | 5,470.00 | 5,470.00 | 5,470.00 | 5,465.00 | 5,465.00 | 5,465.00 | 5,465.00 | 5,447.00 | 5,447.00 | 5,447.00 | 5,447.00 | 5,447.00 |
| Share Premium | 52,321.00 | 52,321.00 | 52,321.00 | 52,321.00 | 52,321.00 | 52,321.00 | 52,321.00 | 51,842.00 | 51,842.00 | 51,842.00 | 51,842.00 | 51,722.00 | 51,722.00 | 51,722.00 | 51,722.00 | 51,165.00 | 51,165.00 | 51,165.00 | 51,165.00 | 51,165.00 |
| Retained Earnings | 130,135.00 | 128,188.00 | 125,062.00 | 121,693.00 | 120,214.00 | 118,531.00 | 116,614.00 | 114,871.00 | 112,699.00 | 111,499.00 | 110,017.00 | 109,320.00 | 106,799.00 | 104,110.00 | 103,829.00 | 100,702.00 | 99,400.00 | 97,369.00 | 95,514.00 | 92,988.00 |
| Treasury Shares | 18,693.00 | 18,693.00 | 18,693.00 | 18,693.00 | 18,679.00 | 18,679.00 | 16,748.00 | 16,748.00 | 16,748.00 | 16,666.00 | 16,666.00 | 16,666.00 | 16,666.00 | 16,666.00 | 16,666.00 | 16,666.00 | 16,170.00 | 15,712.00 | 15,712.00 | 15,712.00 |
| Accumulated Other Comprehensive Income | -4,837.00 | -6,547.00 | -8,466.00 | -10,484.00 | -7,194.00 | -11,907.00 | -11,896.00 | -11,428.00 | -16,470.00 | -14,073.00 | -13,118.00 | -14,813.00 | -18,700.00 | -12,061.00 | -7,739.00 | 708.00 | 1,088.00 | 1,155.00 | 1,326.00 | 2,436.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 7,067,950.00 | 6,907,927.00 | 6,591,600.00 | 6,712,933.00 | 6,665,244.00 | 6,059,975.00 | 5,803,619.00 | 5,721,449.00 | 5,672,232.00 | 5,649,100.00 | 5,460,036.00 | 7,592,643.00 | 7,385,387.00 | 7,517,692.00 | 7,067,764.00 | 7,163,607.00 | 7,253,158.00 | 7,270,563.00 | 282,568.00 | 252,190.00 |
| Debt | 9,471.00 | 9,435.00 | 9,480.00 | 18,024.00 | 9,568.00 | 9,614.00 | 9,659.00 | 18,205.00 | 9,751.00 | 9,797.00 | 9,746.00 | 18,294.00 | 9,670.00 | 9,616.00 | 9,655.00 | 18,195.00 | 9,735.00 | 9,595.00 | 9,633.00 | 17,880.00 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost Of Revenue | 2,676.00 | 1,564.00 | 416.00 | -1,066.00 | 1,852.00 | 932.00 | 751.00 | -313.00 | 1,401.00 | 513.00 | 489.00 | -6,294.00 | 2,073.00 | 939.00 | 3,378.00 | -864.00 | 354.00 | 75.00 | 854.00 |
| Interest Income | 62,386.00 | 40,839.00 | 19,800.00 | -33,998.00 | 55,741.00 | 36,336.00 | 17,684.00 | -25,489.00 | 44,752.00 | 28,816.00 | 13,796.00 | -19,341.00 | 34,422.00 | 21,887.00 | 10,662.00 | -22,312.00 | 33,577.00 | 22,343.00 | 11,136.00 |
| Interest Expense | 20,114.00 | 13,164.00 | 6,660.00 | -12,725.00 | 20,007.00 | 13,183.00 | 6,494.00 | -1,740.00 | 10,031.00 | 5,475.00 | 2,072.00 | -1,186.00 | 2,022.00 | 1,335.00 | 667.00 | -2,370.00 | 2,929.00 | 2,062.00 | 1,078.00 |
| Net Interest | 42,272.00 | 27,675.00 | 13,140.00 | -21,273.00 | 35,734.00 | 23,153.00 | 11,190.00 | -23,743.00 | 34,712.00 | 23,336.00 | 11,722.00 | -18,143.00 | 32,388.00 | 20,543.00 | 9,990.00 | -19,920.00 | 30,622.00 | 20,263.00 | 10,048.00 |
| Non-Interest Income | 8,242.00 | 6,494.00 | 3,646.00 | -6,173.00 | 9,251.00 | 6,397.00 | 3,696.00 | -6,666.00 | 9,048.00 | 6,480.00 | 3,767.00 | -8,885.00 | 8,971.00 | 6,356.00 | 3,720.00 | -7,777.00 | 8,457.00 | 5,845.00 | 3,339.00 |
| Non-Interest Expense | 33,356.00 | 21,867.00 | 10,818.00 | -19,039.00 | 32,824.00 | 21,604.00 | 10,741.00 | -20,657.00 | 31,066.00 | 20,687.00 | 10,272.00 | -20,717.00 | 30,158.00 | 19,811.00 | 9,788.00 | -18,344.00 | 27,953.00 | 18,484.00 | 9,187.00 |
| Provisions for Credit Losses | 2,676.00 | 1,564.00 | 416.00 | -1,066.00 | 1,852.00 | 932.00 | 751.00 | -313.00 | 1,401.00 | 513.00 | 489.00 | 6,294.00 | -2,073.00 | -939.00 | -3,378.00 | -844.00 | -354.00 | -75.00 | 854.00 |
| Selling, General and Administrative Expenses | 6,716.00 | 4,466.00 | 2,225.00 | -4,385.00 | 6,083.00 | 4,040.00 | 1,987.00 | -3,861.00 | 5,642.00 | 3,741.00 | 1,856.00 | -3,545.00 | 5,678.00 | 3,707.00 | 1,868.00 | -3,957.00 | 5,263.00 | 3,560.00 | 1,740.00 |
| EBT | 14,482.00 | 10,738.00 | 5,552.00 | -7,341.00 | 10,309.00 | 7,014.00 | 3,394.00 | -9,439.00 | 11,293.00 | 8,616.00 | 4,728.00 | -8,409.00 | 11,892.00 | 7,401.00 | 5,048.00 | -9,129.00 | 11,244.00 | 7,649.00 | 4,252.00 |
| Income Tax | 2,836.00 | 2,122.00 | 1,146.00 | -1,505.00 | 1,825.00 | 1,249.00 | 601.00 | 774.00 | 1,885.00 | 1,459.00 | 820.00 | 769.00 | 2,078.00 | 1,277.00 | 923.00 | 662.00 | 1,816.00 | 1,257.00 | 721.00 |
| Net Income | 11,646.00 | 8,616.00 | 4,406.00 | -6,043.00 | 8,484.00 | 5,765.00 | 2,793.00 | -7,842.00 | 9,408.00 | 7,157.00 | 3,908.00 | -6,725.00 | 9,814.00 | 6,124.00 | 4,125.00 | -7,619.00 | 9,428.00 | 6,392.00 | 3,531.00 |
| EBIT | 34,596.00 | 23,902.00 | 12,212.00 | -20,066.00 | 30,316.00 | 20,197.00 | 9,888.00 | -11,179.00 | 21,324.00 | 14,091.00 | 6,800.00 | -9,595.00 | 13,914.00 | 8,736.00 | 5,715.00 | -11,499.00 | 14,173.00 | 9,711.00 | 5,330.00 |
| Deprecation and Amortization | 0.00 | 0.00 | 0.00 | 3,163.00 | 0.00 | 0.00 | 0.00 | 2,114.00 | 0.00 | 0.00 | 0.00 | 1,470.00 | 0.00 | 0.00 | 0.00 | 797.00 | 0.00 | 0.00 | 0.00 |
| EBITDA | 0 | 0 | 0 | 43,498.00 | 0 | 0 | 0 | 33,150.00 | 0 | 0 | 0 | 20,240.00 | 0 | 0 | 0 | 18,512.00 | 0 | 0 | 0 |
| 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 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 |
| Average Shares Outstanding Basic | 4,711.00 | 4,711.00 | 4,711.00 | 4,653.10 | 4,745.49 | 4,762.92 | 4,785.77 | 4,773.14 | 4,775.31 | 4,776.52 | 4,773.46 | 4,771.92 | 4,771.77 | 4,771.77 | 4,761.07 | 4,761.30 | 4,786.25 | 4,787.45 | 4,787.45 |
| Average Shares Outstanding Diluted | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0 | 0.00 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 10,287.00 | 4,974.00 | 496.00 | -1,570.00 | 10,707.00 | 5,108.00 | 928.00 | -1,361.00 | 14,147.00 | 8,176.00 | 4,225.00 | 2,143.00 | 10,229.00 | 5,110.00 | 2,563.00 | 8,106.00 | 8,080.00 | 4,072.00 | 685.00 |
| Operating Net Income | 0 | 0 | 0 | 32,997.00 | 0 | 0 | 0 | 50,524.00 | 0 | 0 | 0 | 53,352.00 | 0 | 0 | 0 | 46,928.00 | 0 | 0 | 0 |
| Deprecation and Amortization | 0 | 0 | 0 | 3,163.00 | 0 | 0 | 0 | 2,114.00 | 0 | 0 | 0 | 1,470.00 | 0 | 0 | 0 | 797.00 | 0 | 0 | 0 |
| Deferred Income Tax | 0 | 0 | 0 | -1,180.00 | 0 | 0 | 0 | -745.00 | 0 | 0 | 0 | 288.00 | 0 | 0 | 0 | -130.00 | 0 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 0 | 500.00 | 0 | 0 | 0 | 125.00 | 0 | 0 | 0 | 575.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Working Capital | 0 | 0 | 0 | -1,232.00 | 0 | 0 | 0 | 4,225.00 | 0 | 0 | 0 | 2,807.00 | 0 | 0 | 0 | 972.00 | 0 | 0 | 0 |
| Other Operating Activities | 10,287.00 | 4,974.00 | 496.00 | -35,818.00 | 10,707.00 | 5,108.00 | 928.00 | -57,604.00 | 14,147.00 | 8,176.00 | 4,225.00 | -56,349.00 | 10,229.00 | 5,110.00 | 2,563.00 | -40,461.00 | 8,080.00 | 4,072.00 | 685.00 |
| Investing Cash Flow | -54,467.00 | -30,354.00 | 30,351.00 | 76,920.00 | -182,136.00 | -70,275.00 | -19,260.00 | 67,763.00 | -60,736.00 | -52,478.00 | -12,290.00 | 51,039.00 | -58,323.00 | -72,650.00 | -3,700.00 | 70,527.00 | -61,204.00 | -62,917.00 | 720.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 808.00 | 467.00 | 358.00 | -1,449.00 | 1,200.00 | 1,017.00 | 694.00 | -928.00 | 1,984.00 | 1,422.00 | 430.00 | -824.00 | 2,082.00 | 948.00 | 202.00 | -576.00 | 1,283.00 | 681.00 | 183.00 |
| Net Purchase/Sale of Investments Net | 211,492.00 | 143,895.00 | 67,477.00 | -36,929.00 | 153,871.00 | 37,935.00 | 18,729.00 | -7,129.00 | 16,938.00 | 12,163.00 | 6,799.00 | -74,548.00 | 78,467.00 | 66,969.00 | 36,776.00 | -5,515.00 | 132,030.00 | 111,769.00 | 16,359.00 |
| 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 | 90,997.00 | 87,481.00 | 55,028.00 | -17,181.00 | 78,038.00 | ||||||||||||||
| Other Investing Activities | -335,648.00 | -214,001.00 | -19,345.00 | 188,947.00 | -414,907.00 | -177,858.00 | -56,998.00 | 152,336.00 | -156,608.00 | -131,469.00 | -41,160.00 | 117,624.00 | -164,567.00 | -180,573.00 | -21,218.00 | 73,432.00 | -191,969.00 | -174,950.00 | 1,580.00 |
| Financing Cash Flow | 50,389.00 | -3,100.00 | 6,654.00 | -58,441.00 | 125,507.00 | 44,720.00 | 19,266.00 | -82,578.00 | 91,789.00 | 55,107.00 | 51,923.00 | -74,722.00 | 9,171.00 | 9,600.00 | 12,827.00 | -85,463.00 | 49,885.00 | 45,782.00 | 36,712.00 |
| Net Issuance/Repayment of Debt | 3,890.00 | 2,687.00 | 1,466.00 | -2,880.00 | 3,839.00 | 2,672.00 | 1,440.00 | -10,570.00 | 32,230.00 | 11,079.00 | 651.00 | -1,195.00 | 1,529.00 | 1,130.00 | 685.00 | -140.00 | 3,658.00 | 2,639.00 | 1,172.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | -1,917.00 | 1,931.00 | 1,931.00 | 0 | 0.00 | 82.00 | 0 | 0 | 0 | 0 | 0 | 0 | 496.00 | 458.00 | 0 | 0 |
| Dividends Paid | 3,204.00 | 2,121.00 | 1,037.00 | -2,119.00 | 3,141.00 | 2,105.00 | 1,050.00 | -2,720.00 | 3,820.00 | 2,769.00 | 1,002.00 | -2,711.00 | 3,717.00 | 2,716.00 | 998.00 | -2,014.00 | 3,016.00 | 2,011.00 | 1,005.00 |
| Other Financing Activities | 43,295.00 | -7,908.00 | 4,151.00 | -51,525.00 | 116,596.00 | 38,012.00 | 16,776.00 | -69,288.00 | 55,657.00 | 41,259.00 | 50,270.00 | -70,816.00 | 3,925.00 | 5,754.00 | 11,144.00 | -83,805.00 | 42,753.00 | 41,132.00 | 34,535.00 |
| Net Change in Cash | 6,209.00 | -28,480.00 | 37,501.00 | 16,909.00 | -45,922.00 | -20,447.00 | 934.00 | -16,176.00 | 45,200.00 | 10,805.00 | 43,858.00 | -21,540.00 | -38,923.00 | -57,940.00 | 11,690.00 | -8,084.00 | -3,239.00 | -13,063.00 | 38,117.00 |
| Cash at Beginning of Period | 83,107.00 | 83,107.00 | 83,107.00 | 66,198.00 | 128,126.00 | 128,126.00 | 128,126.00 | 144,302.00 | 45,990.00 | 45,990.00 | 45,990.00 | 67,530.00 | 152,034.00 | 152,034.00 | 152,034.00 | 160,118.00 | 138,303.00 | 138,303.00 | 138,303.00 |
| Cash at End of Period | 89,316.00 | 54,627.00 | 120,608.00 | 83,107.00 | 82,204.00 | 107,679.00 | 129,060.00 | 128,126.00 | 91,190.00 | 56,795.00 | 89,848.00 | 45,990.00 | 113,111.00 | 94,094.00 | 163,724.00 | 152,034.00 | 135,064.00 | 125,240.00 | 176,420.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |