QCRH

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 11.91 8.60 8.36 8.89
Price to Sales 9.50 0.07 0.06 2.93
Book Value Per Common Share 177.24 158.80 138.02 129.96 112.70
Price to Book 0.45 0.37 0.36 0.43
Price to Operating Cash Flow 3.18 2.60 6.98 9.97
Price to Free Cash Flow
Enterprise Value to EBITDA 17826.15 21273.61 28971.03 34664.81
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 13.98 20.96 46.61 14.90 18.07 38.20 10.07 12.36 27.10 11.99 22.88 37.48 11.33 18.86 41.42
Price to Sales 120.43 162.21 327.01 2.80 3.45 7.18 2.10 2.74 6.14 3.16 5.64 13.26 3.61 5.46 10.50
Book Value Per Common Share 64.55 62.04 60.44 177.24 57.92 55.65 53.99 158.80 49.51 49.22 47.95 138.02 43.65 43.55 42.87 129.96 41.68 40.00 38.42 112.70
Price to Book 1.17 1.09 1.18 0.45 1.28 1.08 1.13 0.37 0.98 0.83 0.92 0.36 1.17 1.24 1.32 0.43 1.23 1.20 1.23
Price to Operating Cash Flow 14.86 29.70 -339.13 4.66 34.65 371.50 9.51 11.36 33.85 10.66 16.60 127.31 12.66 23.22 66.97
Price to Free Cash Flow
Enterprise Value to EBITDA 45236.57 64978.08 142067.75 43579.92 53398.97 112123.15 34907.83 45794.06 105243.26 73982.35 150664.22 269285.93 73795.15 121751.91 263845.27

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -0.29 14.31 -5.71 64.06
Revenue YoY -99.00 8.10 4288.96 -3.71
EBITDA YoY 66.12 59.75 14.10 109.56
Net Profit YoY -99.00 15.31 9997.85 63.96
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 66.98 111.76 49.70 108.81 2227.96 45.18 104.94 2939.40 80.08 56.29 78.04 123.68
Revenue YoY 50.05 92.11 52.16 106.15 -98.95 53.86 109.03 -99.06 63.65 136.42 61.99 95.98
EBITDA YoY 59.11 108.34 -56.93 51.50 107.63 1080.96 55.31 114.75 -10.20 90.14 86.77 -38.16 74.54 119.58
Net Profit YoY 66.72 111.56 49.73 108.58 -99.76 45.28 104.57 -99.72 74.91 65.52 78.54 124.29

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 39.30 31.26 24.15 20.56 27.01
Quick Ratio
Current Ratio
Debt to Equity 0.75 0.06 0.06 0.75 0.77
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 35.26 33.74 49.75 39.18 36.49 24.11 19.42 31.23 18.27 35.34 47.30 23.99 15.16 15.63 14.75 20.69 16.16 20.20 15.27 26.95
Quick Ratio
Current Ratio
Debt to Equity 0.79 0.79 0.79 0.75 0.80 0.81 0.81 0.06 9.31 9.00 9.03 0.06 9.49 8.95 8.25 0.75 8.26 8.21 8.27 0.77
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.60 8.35 8.05 0.76 0.50
ROE 1.04 8.86 8.57 1.33 0.88
Gross Margin 88.03 99.88 99.88 98.84 46.47
Operating Margin 524.74 3.12 2.09 81.26 35.68
EBITDA Margin 534.82 3.22 2.18 83.92 38.56
Net Profit Margin 81.20 81.11 76.03 33.05 19.41
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 0.48 0.30 0.14 0.47 0.32 0.16 0.96 0.69 0.34 0.89 0.53 0.39 1.20 0.69 0.32
ROE 0.87 0.54 0.26 0.84 0.58 0.29 9.93 6.88 3.45 9.36 5.31 3.57 11.08 6.40 2.95
Gross Margin -18.42 -16.89 -14.87 97.32 97.11 97.91 97.06 93.69 93.06 93.17 88.61 92.65 94.28 89.53 79.89
Operating Margin 2562.84 2422.37 2246.12 62.69 62.73 62.19 58.32 57.74 56.09 42.41 36.04 46.91 46.36 42.83 38.16
EBITDA Margin 2650.03 2499.15 2304.45 64.35 64.62 64.16 60.23 59.67 58.08 45.06 38.78 49.09 48.18 44.71 39.91
Net Profit Margin 876.66 788.98 716.44 19.17 19.48 19.25 21.31 22.56 23.06 26.73 25.01 35.73 31.92 28.96 25.31

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 19,459,859.00 138,487,695.00 124,523,560.00 13,030,862.00 12,137,643.00
   Deposits 7,061,187.00 13,328,010.00 12,268,434.00 10,145,544.00 9,498,274.00
      Cash and Short-Term Investments 661,372.00 523,030.00 402,885.00 323,017.00 426,007.00
            Cash and Cash Equivalents 577,843.00 500,661.00 402,885.00 323,017.00 426,007.00
            Short-Term Investments 83,529.00 22,369.00 0 0 0
      Net Receivables 30,900.00 6,456,216.00 58,306,111.00 78,721.00 84,376.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 175,857.00 132,563.00 130,587.00 87,162.00 83,635.00
      Real Estate 661.00 1,347.00 133.00 0 20.00
      Goodwill 415,785.00 417,081.00 412,821.00 222,198.00 225,898.00
      Intangible Assets 44,244.00 55,284.00 67,036.00 37,396.00 45,524.00
      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 8,355,555.00 7,971,763.00 7,480,526.00 5,580,710.00 5,267,260.00
      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 1,800.00 1,500.00 129,630.00 3,800.00 5,430.00
      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 11,104,304.00 130,515,932.00 117,043,034.00 7,450,152.00 6,870,383.00
   Shareholders Equity 2,992,161.00 2,659,788.00 2,318,172.00 2,029,156.00 1,781,379.00
      Capital Stock 16,882.00 16,749.00 16,796.00 15,613.00 15,806.00
      Share Premium 374,975.00 370,814.00 370,712.00 273,768.00 275,807.00
      Retained Earnings 665,171.00 554,992.00 450,114.00 386,077.00 300,804.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -59,641.00 -55,959.00 -64,898.00 1,552.00 1,376.00
   Minority Interest 0 0 0 0 0
Investments 2,444,228.00 2,201,718.00 56,128,034.00 4,599,258.00 4,737,320.00
Debt 1,324,380.00 1,323,909.00 932,678.00 463,020.00 474,008.00
Net Debt 663,008.00 800,879.00 529,793.00 140,003.00 48,001.00
Common Shares Outstanding 16,882.04 16,749.25 16,795.94 15,613.46 15,805.71
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 142,800.00 14,260,800.00 13,192,200.00 300,577.00 312,171.00
Cost Of Revenue 17,098.00 16,539.00 15,234.00 3,486.00 167,112.00
Interest Income 966,705.00 415,756.00 294,639.00 201,105.00 199,404.00
Interest Expense 517,226.00 208,470.00 73,287.00 30,404.00 38,085.00
Net Interest 231,788.00 -1,130,603.00 -703,881.00 178,233.00 166,950.00
Non-Interest Income 115,529.00 132,684.00 80,729.00 100,422.00 113,798.00
Non-Interest Expense 207,642.00 210,531.00 190,016.00 153,702.00 151,755.00
Provisions for Credit Losses 17,098.00 16,539.00 15,234.00 3,486.00 167,112.00
Gross Profit 125,702.00 14,244,261.00 13,176,966.00 297,091.00 145,059.00
   Selling, General and Administrative Expenses 9,519.00 9,359.00 8,280.00 4,254.00 3,260.00
EBT 232,109.00 237,026.00 202,009.00 213,855.00 73,289.00
Income Tax 13,136.00 9,910.00 3,877.00 16,045.00 7,299.00
Net Income 115,957.00 11,566,300.00 10,030,300.00 99,331.00 60,582.00
EBIT 749,335.00 445,496.00 275,296.00 244,259.00 111,374.00
Deprecation and Amortization 14,394.00 14,261.00 12,510.00 7,976.00 8,988.00
EBITDA 763,729.00 459,757.00 287,806.00 252,235.00 120,362.00
EPS 0.01 0.01 0.01 0.01 0.00
Diluted EPS 0.01 0.01 0.01 0.01 0.00
Average Shares Outstanding Basic 16,829.00 16,732.41 16,681.84 15,708.74 15,771.65
Average Shares Outstanding Diluted 16,959.85 16,866.39 16,890.01 15,944.71 15,952.64
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 427,180.00 376,323.00 118,699.00 88,218.00 112,177.00
   Operating Net Income 113,850.00 113,558.00 99,066.00 98,905.00 60,582.00
   Deprecation and Amortization 14,394.00 14,261.00 12,510.00 7,976.00 8,988.00
   Deferred Income Tax -5,782.00 -1,295.00 -7,125.00 14,179.00 -7,621.00
   Share Based Compensation 2,825.00 2,678.00 2,438.00 2,352.00 2,150.00
   Change in Working Capital -19,597.00 81,210.00 96,745.00 56,792.00 -22,820.00
   Other Operating Activities 321,490.00 165,911.00 -84,935.00 -91,986.00 70,898.00
Investing Cash Flow -850,006.00 -756,309.00 -656,565.00 -410,727.00 -697,708.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 49,268.00 15,672.00 36,805.00 15,738.00 4,641.00
   Net Purchase/Sale of Investments Net 282,495.00 322,210.00 410,758.00 304,830.00 462,045.00
   Net Purchase/Sale of Business 0 0 342,856.00 0 0
   Net Loan & Lease Activity 642,855.00 676,700.00 654,861.00 433,544.00 564,748.00
   Other Investing Activities -1,824,624.00 -1,770,891.00 -2,101,845.00 -1,164,839.00 -1,729,142.00
Financing Cash Flow 392,739.00 399,034.00 581,750.00 282,423.00 621,182.00
   Net Issuance/Repayment of Debt 10,683.00 6,870.00 861,105.00 228,423.00 513,378.00
   Net Issuance/Repurchase of Equity 1,469.00 1,403.00 422.00 670.00 1,360.00
   Dividends Paid 4,032.00 4,029.00 3,944.00 3,793.00 3,779.00
   Other Financing Activities 376,555.00 386,732.00 -283,721.00 49,537.00 102,665.00
Net Change in Cash -30,087.00 6,559.00 64,874.00 -23,839.00 -14,925.00
   Cash at Beginning of Period 121,819.00 90,564.00 -5,151.00 61,329.00 76,254.00
   Cash at End of Period 91,732.00 97,123.00 59,723.00 37,490.00 61,329.00
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 19,219,804.00 18,567,562.00 18,387,958.00 19,459,859.00 18,235,830.00 17,766,382.00 17,221,398.00 138,487,695.00 8,540,057.00 8,226,673.00 8,036,904.00 124,523,560.00 7,730,049.00 7,392,941.00 6,175,819.00 13,030,862.00 6,014,508.00 5,805,165.00 5,645,147.00 12,137,643.00
   Deposits 7,380,068.00 7,318,353.00 7,337,390.00 7,061,187.00 14,269,266.00 13,829,334.00 13,913,550.00 13,328,010.00 13,289,704.00 13,513,440.00 13,303,326.00 12,268,434.00 12,182,070.00 11,941,314.00 9,979,378.00 10,145,544.00 10,043,656.00 9,677,870.00 9,563,564.00 9,498,274.00
      Cash and Short-Term Investments 596,505.00 570,781.00 840,787.00 661,372.00 613,602.00 405,021.00 326,006.00 523,030.00 305,615.00 591,590.00 793,556.00 402,885.00 242,991.00 257,675.00 230,440.00 323,017.00 255,818.00 319,258.00 241,282.00 426,007.00
            Cash and Cash Equivalents 513,280.00 487,881.00 758,342.00 577,843.00 554,917.00 382,659.00 303,748.00 500,661.00 305,615.00 591,590.00 793,556.00 402,885.00 242,991.00 257,675.00 230,440.00 323,017.00 255,818.00 319,258.00 241,282.00 426,007.00
            Short-Term Investments 83,225.00 82,900.00 82,445.00 83,529.00 58,685.00 22,362.00 22,258.00 22,369.00 0 0 0 0 0 0 0 0 0 0 0 0
      Net Receivables 32,200.00 45,700.00 46,100.00 30,900.00 36,500.00 36,500.00 34,000.00 6,456,216.00 31,300.00 27,300.00 55,917,907.00 58,306,111.00 54,509,107.00 92,425.00 74,786.00 78,721.00 80,670.00 78,894.00 81,831.00 84,376.00
      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 193,170.00 181,773.00 166,064.00 175,857.00 147,474.00 141,069.00 133,179.00 132,563.00 118,943.00 118,168.00 117,641.00 130,587.00 115,274.00 115,023.00 80,634.00 87,162.00 74,993.00 74,765.00 73,162.00 83,635.00
      Real Estate 0 62.00 402.00 661.00 369.00 369.00 784.00 1,347.00 120.00 0 61.00 133.00 177.00 205.00 0 0 0 1,820.00 173.00 20.00
      Goodwill 138,595.00 138,595.00 138,595.00 415,785.00 138,595.00 139,027.00 139,027.00 417,081.00 139,027.00 139,027.00 138,474.00 412,821.00 137,607.00 137,607.00 74,066.00 222,198.00 74,066.00 74,066.00 74,066.00 225,898.00
      Intangible Assets 9,077.00 9,738.00 10,400.00 44,244.00 11,751.00 12,441.00 13,131.00 55,284.00 14,537.00 15,228.00 15,993.00 67,036.00 44,768.00 46,636.00 8,856.00 37,396.00 9,857.00 10,365.00 10,873.00 45,524.00
      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 8,481,387.00 8,191,777.00 8,130,032.00 8,355,555.00 8,111,945.00 7,935,672.00 7,692,207.00 7,971,763.00 7,711,674.00 7,403,984.00 7,235,410.00 7,480,526.00 6,992,977.00 6,649,803.00 5,507,895.00 5,580,710.00 5,364,694.00 5,174,689.00 5,036,428.00 5,267,260.00
      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 2,850.00 1,350.00 2,050.00 1,800.00 2,750.00 1,600.00 2,700.00 1,500.00 470.00 1,850.00 1,100.00 129,630.00 85,180.00 1,070.00 1,190.00 3,800.00 1,600.00 7,070.00 6,840.00 5,430.00
      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 10,738,417.00 10,375,785.00 10,257,926.00 11,104,304.00 10,123,885.00 9,830,710.00 9,529,191.00 130,515,932.00 828,383.00 822,689.00 801,494.00 117,043,034.00 737,072.00 743,138.00 667,924.00 7,450,152.00 649,814.00 630,476.00 608,719.00 6,870,383.00
   Shareholders Equity 1,086,915.00 1,050,554.00 1,022,747.00 2,992,161.00 976,620.00 936,319.00 907,342.00 2,659,788.00 828,383.00 822,689.00 801,494.00 2,318,172.00 737,072.00 743,138.00 667,924.00 2,029,156.00 649,814.00 630,476.00 608,719.00 1,781,379.00
      Capital Stock 16,839.00 16,935.00 16,920.00 16,882.00 16,861.00 16,825.00 16,807.00 16,749.00 16,732.00 16,714.00 16,714.00 16,796.00 16,885.00 17,064.00 15,580.00 15,613.00 15,590.00 15,764.00 15,844.00 15,806.00
      Share Premium 375,319.00 376,571.00 375,111.00 374,975.00 373,812.00 372,378.00 371,157.00 370,814.00 369,833.00 368,860.00 368,302.00 370,712.00 372,086.00 375,358.00 272,370.00 273,768.00 272,964.00 275,485.00 276,350.00 275,807.00
      Retained Earnings 747,323.00 717,956.00 689,953.00 665,171.00 635,589.00 608,816.00 580,711.00 554,992.00 523,142.00 499,024.00 472,051.00 450,114.00 422,958.00 400,790.00 405,762.00 386,077.00 360,003.00 335,424.00 318,774.00 300,804.00
      Treasury Shares 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Accumulated Other Comprehensive Income -52,566.00 -60,908.00 -59,237.00 -59,641.00 -49,642.00 -61,700.00 -61,333.00 -55,959.00 -81,324.00 -61,909.00 -55,573.00 -64,898.00 -74,857.00 -50,074.00 -25,788.00 1,552.00 1,257.00 3,803.00 -375.00 1,376.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 2,675,204.00 2,490,417.00 2,420,635.00 2,444,228.00 3,071,908.00 2,272,940.00 2,196,031.00 2,201,718.00 2,699,776.00 2,099,550.00 53,099,526.00 56,128,034.00 52,406,121.00 4,071,771.00 3,893,652.00 4,599,258.00 4,488,958.00 4,385,292.00 3,926,670.00 4,737,320.00
Debt 757,530.00 756,345.00 756,872.00 1,324,380.00 757,322.00 756,083.00 757,059.00 1,323,909.00 764,086.00 283,368.00 282,480.00 932,678.00 556,491.00 183,166.00 153,270.00 463,020.00 153,514.00 158,908.00 163,601.00 474,008.00
Net Debt 161,025.00 185,564.00 0 663,008.00 143,720.00 351,062.00 431,053.00 800,879.00 458,471.00 0 0 529,793.00 313,500.00 0 0 140,003.00 0 0 0 48,001.00
Common Shares Outstanding 16,838.87 16,934.70 16,920.36 16,882.04 16,861.11 16,824.99 16,807.06 16,749.25 16,731.65 16,713.85 16,713.78 16,795.94 16,885.49 17,064.35 15,579.60 15,613.46 15,590.43 15,763.52 15,843.73 15,805.71
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 10,625.00 7,081.00 3,686.00 -736,768.00 445,119.00 292,542.00 141,907.00 13,503,668.00 386,117.00 250,956.00 120,059.00 12,709,779.00 258,044.00 157,682.00 66,695.00 -135,302.00 225,572.00 139,253.00 71,054.00
Cost Of Revenue 12,582.00 8,277.00 4,234.00 -6,285.00 11,949.00 8,465.00 2,969.00 -18,980.00 11,340.00 15,842.00 8,337.00 -25,254.00 17,629.00 17,960.00 4,899.00 -38,271.00 12,892.00 14,575.00 14,290.00
Interest Income 725,596.00 474,996.00 233,880.00 252,046.00 362,598.00 236,338.00 115,723.00 -175,425.00 302,839.00 193,612.00 94,730.00 -76,710.00 199,973.00 120,033.00 51,343.00 -92,456.00 148,853.00 96,924.00 47,784.00
Interest Expense 175,068.00 114,852.00 56,687.00 143,312.00 189,631.00 123,933.00 60,350.00 -47,408.00 135,892.00 82,579.00 37,407.00 21,192.00 32,632.00 14,134.00 5,329.00 -2,578.00 16,415.00 10,977.00 5,590.00
Net Interest 186,867.00 122,068.00 59,986.00 -104,357.00 170,584.00 110,862.00 54,699.00 -1,462,698.00 165,270.00 110,015.00 56,810.00 -1,020,649.00 165,902.00 105,133.00 45,733.00 -80,953.00 131,720.00 85,491.00 41,975.00
Non-Interest Income 75,658.00 39,007.00 16,892.00 -53,980.00 84,904.00 57,747.00 26,858.00 -36,475.00 84,955.00 58,362.00 25,842.00 -32,829.00 59,510.00 38,415.00 15,633.00 -43,289.00 77,437.00 42,785.00 23,489.00
Non-Interest Expense 152,709.00 96,122.00 46,539.00 -97,769.00 154,143.00 100,578.00 50,690.00 -86,359.00 149,593.00 98,512.00 48,785.00 -81,201.00 140,319.00 92,573.00 38,325.00 -70,719.00 114,290.00 72,903.00 37,228.00
Provisions for Credit Losses 12,582.00 8,277.00 4,234.00 -6,285.00 11,949.00 8,465.00 2,969.00 -18,980.00 11,340.00 15,842.00 8,337.00 -15,456.00 17,629.00 17,960.00 -4,899.00 -38,271.00 12,892.00 14,575.00 14,290.00
Gross Profit -1,957.00 -1,196.00 -548.00 -730,483.00 433,170.00 284,077.00 138,938.00 13,522,648.00 374,777.00 235,114.00 111,722.00 12,735,033.00 240,415.00 139,722.00 61,796.00 -97,031.00 212,680.00 124,678.00 56,764.00
   Selling, General and Administrative Expenses 6,511.00 4,382.00 2,110.00 -3,977.00 7,036.00 4,301.00 2,159.00 -4,478.00 6,936.00 4,694.00 2,207.00 -234.00 5,794.00 1,959.00 761.00 -428.00 2,575.00 1,480.00 627.00
EBT 97,234.00 56,676.00 26,105.00 55,249.00 89,396.00 59,566.00 27,898.00 55,464.00 89,292.00 62,331.00 29,939.00 56,552.00 76,809.00 42,691.00 25,957.00 55,518.00 88,154.00 48,660.00 21,523.00
Income Tax 5,704.00 1,860.00 308.00 2,467.00 5,771.00 3,726.00 1,172.00 -8,210.00 8,589.00 6,749.00 2,782.00 -10,930.00 8,649.00 3,825.00 2,333.00 -12,083.00 16,258.00 8,329.00 3,541.00
Net Income 93,145.00 55,868.00 26,408.00 -53,685.00 85,329.00 56,990.00 27,323.00 11,399,729.00 82,266.00 56,625.00 27,680.00 9,898,052.00 68,982.00 39,439.00 23,827.00 -30,990.00 72,008.00 40,331.00 17,982.00
EBIT 272,302.00 171,528.00 82,792.00 198,561.00 279,027.00 183,499.00 88,248.00 8,056.00 225,184.00 144,910.00 67,346.00 77,744.00 109,441.00 56,825.00 31,286.00 52,940.00 104,569.00 59,637.00 27,113.00
Deprecation and Amortization 9,264.00 5,437.00 2,150.00 -1,365.00 7,399.00 5,556.00 2,804.00 -346.00 7,390.00 4,834.00 2,383.00 -95.00 6,827.00 4,324.00 1,454.00 4.00 4,105.00 2,625.00 1,242.00
EBITDA 281,566.00 176,965.00 84,942.00 197,196.00 286,426.00 189,055.00 91,052.00 7,710.00 232,574.00 149,744.00 69,729.00 77,649.00 116,268.00 61,149.00 32,740.00 52,944.00 108,674.00 62,262.00 28,355.00
EPS 0.01 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 0.01 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 16,916.37 16,914.66 16,900.78 16,918.80 16,814.79 16,799.08 16,783.35 16,682.37 16,731.85 16,739.12 16,776.29 18,586.67 16,030.37 16,485.22 15,625.11 15,393.42 15,829.12 15,808.79 15,803.64
Average Shares Outstanding Diluted 17,011.88 17,010.14 17,013.99 17,074.16 16,938.31 16,916.26 16,910.67 16,789.40 16,863.20 16,870.83 16,942.13 18,763.17 16,243.92 16,700.68 15,852.26 15,659.47 16,058.42 16,035.39 16,025.55
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 86,133.00 38,676.00 -3,554.00 128,141.00 267,208.00 29,087.00 2,744.00 208,753.00 85,349.00 60,457.00 21,764.00 -18,511.00 76,634.00 53,630.00 6,946.00 -19,968.00 64,308.00 32,735.00 11,143.00
   Operating Net Income 91,530.00 54,816.00 25,797.00 -52,341.00 83,625.00 55,840.00 26,726.00 -49,884.00 80,703.00 55,582.00 27,157.00 -31,584.00 68,160.00 38,866.00 23,624.00 -31,304.00 71,896.00 40,331.00 17,982.00
   Deprecation and Amortization 9,264.00 5,437.00 2,150.00 -1,365.00 7,399.00 5,556.00 2,804.00 -346.00 7,390.00 4,834.00 2,383.00 -95.00 6,827.00 4,324.00 1,454.00 4.00 4,105.00 2,625.00 1,242.00
   Deferred Income Tax 0 0 0 -5,782.00 0 0 0 -1,295.00 0 0 0 -7,125.00 0 0 0 14,179.00 0 0 0
   Share Based Compensation 2,608.00 1,921.00 1,299.00 -808.00 1,872.00 1,637.00 124.00 -2,054.00 2,153.00 1,626.00 953.00 -1,287.00 1,678.00 1,296.00 751.00 -1,715.00 1,865.00 1,361.00 841.00
   Change in Working Capital -8,037.00 -21,871.00 -14,510.00 21,280.00 -16,238.00 -13,128.00 -11,511.00 -25,459.00 52,287.00 41,063.00 13,319.00 -14,963.00 58,710.00 36,852.00 16,146.00 -10,543.00 54,079.00 10,683.00 2,573.00
   Other Operating Activities -9,232.00 -1,627.00 -18,290.00 167,157.00 190,550.00 -20,818.00 -15,399.00 287,791.00 -57,184.00 -42,648.00 -22,048.00 36,543.00 -58,741.00 -27,708.00 -35,029.00 9,411.00 -67,637.00 -22,265.00 -11,495.00
Investing Cash Flow -544,138.00 -220,055.00 -123,499.00 234,865.00 -669,958.00 -332,791.00 -82,122.00 28,209.00 -426,501.00 -240,577.00 -117,440.00 71,754.00 -404,408.00 -146,825.00 -177,086.00 99,689.00 -330,502.00 -143,408.00 -36,506.00
   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 44,708.00 27,135.00 9,119.00 -15,736.00 30,544.00 22,316.00 12,144.00 265.00 8,533.00 5,175.00 1,699.00 -18,207.00 27,532.00 24,015.00 3,465.00 1,234.00 7,888.00 4,795.00 1,821.00
   Net Purchase/Sale of Investments Net 221,157.00 153,660.00 68,524.00 -82,967.00 198,626.00 103,026.00 63,810.00 -187,435.00 217,805.00 177,564.00 114,276.00 -286,473.00 337,347.00 288,859.00 71,025.00 -287,611.00 263,303.00 205,304.00 123,834.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 -290,778.00 316,817.00 316,817.00 0 0 0 0 0
   Net Loan & Lease Activity 642,855.00 676,700.00 654,861.00 433,544.00 564,748.00
   Other Investing Activities -1,217,485.00 -550,605.00 -242,606.00 650,003.00 -1,424,456.00 -777,922.00 -272,249.00 317,140.00 -1,132,596.00 -667,995.00 -287,440.00 1,000,493.00 -1,610,981.00 -1,091,260.00 -400,097.00 585,103.00 -955,309.00 -524,476.00 -270,157.00
Financing Cash Flow 443,854.00 194,416.00 134,315.00 -378,725.00 409,467.00 298,754.00 63,243.00 -291,389.00 385,694.00 204,481.00 100,248.00 -126,090.00 376,566.00 148,084.00 183,190.00 -127,542.00 262,175.00 104,942.00 42,848.00
   Net Issuance/Repayment of Debt 201,654.00 -450.00 250.00 -2,250.00 11,633.00 100.00 1,200.00 -12,660.00 5,840.00 7,220.00 6,470.00 148,645.00 701,800.00 13,270.00 -2,610.00 -929.00 226,302.00 1,640.00 1,410.00
   Net Issuance/Repurchase of Equity 356.00 -272.00 -1,125.00 -49.00 1,238.00 3.00 277.00 -59.00 931.00 467.00 64.00 1,037.00 345.00 -193.00 -767.00 402.00 328.00 200.00 -260.00
   Dividends Paid 3,044.00 2,028.00 1,013.00 -3,016.00 4,032.00 2,012.00 1,004.00 -2,033.00 3,026.00 2,023.00 1,013.00 -1,798.00 2,933.00 1,874.00 935.00 -1,897.00 2,847.00 1,896.00 947.00
   Other Financing Activities 238,800.00 193,110.00 134,177.00 -373,410.00 392,564.00 296,639.00 60,762.00 -276,637.00 375,897.00 194,771.00 92,701.00 -273,974.00 -328,512.00 133,133.00 185,632.00 -125,118.00 32,698.00 101,206.00 40,751.00
Net Change in Cash -14,151.00 13,037.00 7,262.00 -15,719.00 6,717.00 -4,950.00 -16,135.00 -66,916.00 44,542.00 24,361.00 4,572.00 -51,857.00 48,792.00 54,889.00 13,050.00 -31,574.00 -4,019.00 -5,731.00 17,485.00
   Cash at Beginning of Period 91,732.00 91,732.00 91,732.00 107,451.00 97,123.00 97,123.00 97,123.00 164,039.00 59,723.00 59,723.00 59,723.00 111,580.00 37,490.00 37,490.00 37,490.00 69,064.00 61,329.00 61,329.00 61,329.00
   Cash at End of Period 77,581.00 104,769.00 98,994.00 91,732.00 103,840.00 92,173.00 80,988.00 97,123.00 104,265.00 84,084.00 64,295.00 59,723.00 86,282.00 92,379.00 50,540.00 37,490.00 57,310.00 55,598.00 78,814.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0