SBFG
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 9.21 | 6.53 | 7.37 | 7.26 | 8.88 |
| Price to Sales | |||||
| Book Value Per Common Share | 57.44 | 54.62 | 16.82 | 420.08 | 56.32 |
| Price to Book | 0.36 | 0.28 | 1.01 | 0.04 | 0.31 |
| Price to Operating Cash Flow | 14.73 | 4.60 | 4.76 | 5.60 | 3.00 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 32031.12 | 21479.23 | 44977.40 | 1948.05 | 41219.17 |
| 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 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 12.29 | 20.54 | 63.09 | 17.57 | 17.07 | 39.37 | 11.25 | 15.78 | 40.37 | 13.16 | 21.58 | 49.78 | 8.29 | 11.75 | 17.93 | |
| Price to Sales | ||||||||||||||||
| Book Value Per Common Share | 21.37 | 20.68 | 20.29 | 19.86 | 18.72 | 18.42 | 16.38 | 17.08 | 347.13 | 332.26 | 17655.00 | 384.46 | 420.08 | 20.20 | 19.91 | 19.68 |
| Price to Book | 0.90 | 0.92 | 1.03 | 1.04 | 0.75 | 0.75 | 0.82 | 0.74 | 0.04 | 0.05 | 0.00 | 0.05 | 0.04 | 0.86 | 0.88 | 0.88 |
| Price to Operating Cash Flow | 7.84 | 40.11 | 20.13 | 39.35 | -744.68 | 300.22 | 12.83 | -95.03 | -0.02 | 9.24 | 0.03 | -95.63 | 20.58 | 62.55 | -144.32 | |
| Price to Free Cash Flow | ||||||||||||||||
| Enterprise Value to EBITDA | 36124.99 | 56835.49 | 112290.08 | 45178.26 | 46803.31 | 94335.55 | 35687.60 | 52606.00 | 6648.77 | 12537.46 | 46813.09 | 67876.44 | 109070.67 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -3.40 | 2.17 | -10.85 | 31.63 | |
| Revenue YoY | |||||
| EBITDA YoY | -10.91 | 83.90 | -19.49 | 2.54 | |
| Net Profit YoY | -5.17 | -3.40 | -31.49 | 22.30 |
| 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 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 68.82 | 181.82 | 42.68 | 134.29 | 50.00 | 128.57 | 60.00 | 100.00 | 39.33 | 54.64 | ||||||
| Revenue YoY | ||||||||||||||||
| EBITDA YoY | 57.52 | 80.78 | 51.80 | 104.41 | 56.93 | 125.64 | -65.26 | 40.74 | 60.93 | |||||||
| Net Profit YoY | 67.32 | 178.50 | 42.95 | 131.46 | 48.63 | 125.51 | 59.16 | 100.75 | 37.84 | 53.11 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 12.38 | 10.76 | 11.85 | 63.33 | 55.44 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 5.03 | 5.02 | 10.28 | 8.18 | 3.94 |
| 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 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 40.75 | 37.61 | 49.40 | 22.39 | 10.20 | 12.24 | 8.61 | 12.46 | 12343.04 | 11.93 | 12572.79 | 55.44 | 1300.10 | 57.97 | 64.29 | 84.48 |
| Quick Ratio | ||||||||||||||||
| Current Ratio | ||||||||||||||||
| Debt to Equity | 9.93 | 10.12 | 10.41 | 9.49 | 9.70 | 9.80 | 10.81 | 10.40 | 10.20 | 10.37 | 9.39 | 9.07 | 8.18 | 8.22 | 8.11 | 8.21 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.75 | 0.81 | 0.94 | 1.37 | 1.06 |
| ROE | 4.50 | 4.86 | 10.57 | 12.61 | 5.23 |
| 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 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.67 | 0.40 | 0.14 | 0.56 | 0.41 | 0.18 | 0.62 | 0.41 | 0.18 | 0.69 | 0.44 | 0.21 | 1.12 | 0.83 | 0.53 | |
| ROE | 7.34 | 4.50 | 1.64 | 5.90 | 4.37 | 1.91 | 7.31 | 4.70 | 2.05 | 7.84 | 4.53 | 2.12 | 10.36 | 7.53 | 4.92 | |
| 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 | 0.00 | ||||
| Dividend Payout Ratio | 20.54 |
| 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 | 2021-12-31 | 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 | 1,537,210.00 | 1,498,224.00 | 1,335,633.00 | 1,330,854.00 | 1,412,107.00 |
| Deposits | 4,924,904.00 | 4,296,466.00 | 4,354,766.00 | 4,451,510.00 | 1,049,011.00 |
| Cash and Short-Term Investments | 82,479.00 | 73,500.00 | 83,451.00 | 448,533.00 | 422,070.00 |
| Cash and Cash Equivalents | 82,479.00 | 73,500.00 | 83,451.00 | 448,533.00 | 422,070.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 29,820.00 | 29,757.00 | 12,273.00 | 8,760.00 | 11,397.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 20,456.00 | 21,378.00 | 22,829.00 | 23,212.00 | 23,557.00 |
| Goodwill | 23,239.00 | 23,239.00 | 23,239.00 | 23,191.00 | 22,091.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 1,046,735.00 | 1,000,212.00 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 1,282,194.00 | 1,249,540.00 | 1,217,205.00 | 1,185,925.00 | 1,126,261.00 |
| 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 | 10,585.00 | 0 | 14,923.00 | 15,320.00 | 20,200.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 19,690.00 | 0 | 19,594.00 | 19,546.00 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 255,016.00 | 248,684.00 | 118,428.00 | 144,929.00 | 285,846.00 |
| Shareholders Equity | 382,524.00 | 373,026.00 | 118,428.00 | 144,929.00 | 428,769.00 |
| Capital Stock | 61,319.00 | 61,319.00 | 61,319.00 | 54,463.00 | 54,463.00 |
| Share Premium | 15,194.00 | 15,124.00 | 15,087.00 | 14,944.00 | 14,845.00 |
| Retained Earnings | 116,186.00 | 108,486.00 | 101,966.00 | 99,716.00 | 84,578.00 |
| Treasury Shares | 34,957.00 | 30,756.00 | 27,824.00 | 22,349.00 | 13,173.00 |
| Accumulated Other Comprehensive Income | -30,234.00 | -29,831.00 | -32,120.00 | -1,845.00 | 2,210.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 619,857.00 | 674,910.00 | 510,505.00 | 561,643.00 | 0 |
| Debt | 29,300.00 | 29,828.00 | 29,658.00 | 28,444.00 | 27,098.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 345.00 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 832.00 | 556.00 | 0 | 1,050.00 | 4,500.00 |
| Interest Income | 64,349.00 | 58,152.00 | 7,207.00 | 4,020.00 | 42,635.00 |
| Interest Expense | 24,427.00 | 22,927.00 | 7,207.00 | 4,020.00 | 6,961.00 |
| Net Interest | 50,819.00 | 48,857.00 | 7,207.00 | 4,020.00 | 36,429.00 |
| Non-Interest Income | 21,574.00 | 23,252.00 | 21,944.00 | 30,697.00 | 30,096.00 |
| Non-Interest Expense | 53,962.00 | 52,331.00 | 52,582.00 | 44,808.00 | 43,087.00 |
| Provisions for Credit Losses | -832.00 | 929.00 | 0 | 1,050.00 | 4,500.00 |
| Selling, General and Administrative Expenses | 35,189.00 | 34,220.00 | 36,361.00 | 39,109.00 | 37,939.00 |
| EBT | 15,496.00 | 22,307.00 | 15,316.00 | 22,723.00 | 18,439.00 |
| Income Tax | 3,971.00 | 4,211.00 | 3,607.00 | 4,446.00 | 4,207.00 |
| Net Income Including Non-Controlling Interests | 0 | 0 | 12,521.00 | 18,277.00 | 14,944.00 |
| Net Income Non-Controlling Interests | 0 | 0 | 0.00 | 0.00 | 0.00 |
| Net Income | 11,470.00 | 12,095.00 | 12,521.00 | 18,277.00 | 14,944.00 |
| EBIT | 39,923.00 | 45,234.00 | 22,523.00 | 26,743.00 | 25,400.00 |
| Deprecation and Amortization | 3,552.00 | 3,567.00 | 4,014.00 | 6,218.00 | 6,745.00 |
| EBITDA | 43,475.00 | 48,801.00 | 26,537.00 | 32,961.00 | 32,145.00 |
| 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 | 6,660.00 | 6,829.00 | 7,042.00 | 7,083.00 | 7,613.00 |
| Average Shares Outstanding Diluted | 6,680.00 | 6,917.00 | 0 | 7,130.00 | 7,635.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 9,451.00 | 22,809.00 | 25,085.00 | 23,698.00 | 44,196.00 |
| Operating Net Income | 38,045.00 | 40,168.00 | 0 | 0 | 44,832.00 |
| Deprecation and Amortization | 3,552.00 | 3,567.00 | 4,014.00 | 6,218.00 | 6,745.00 |
| Deferred Income Tax | 2,017.00 | 1,878.00 | 2,709.00 | 2,302.00 | -2,444.00 |
| Share Based Compensation | 637.00 | 576.00 | 568.00 | 443.00 | 382.00 |
| Change in Working Capital | 2,627.00 | -8,034.00 | 10,023.00 | -7,817.00 | 10,233.00 |
| Other Operating Activities | -37,427.00 | -15,346.00 | 7,771.00 | 22,552.00 | -15,552.00 |
| Investing Cash Flow | -28,840.00 | -17,390.00 | -165,671.00 | -73,088.00 | -72,736.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 1,229.00 | 958.00 | 1,896.00 | 2,427.00 | 1,980.00 |
| Net Purchase/Sale of Investments Net | 20,471.00 | 22,893.00 | 86,496.00 | 221,165.00 | 84,021.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 1,100.00 | -16,263.00 |
| Net Loan & Lease Activity | 46,773.00 | 38,736.00 | 139,670.00 | -48,503.00 | 31,706.00 |
| Other Investing Activities | -97,313.00 | -79,977.00 | -393,733.00 | -249,277.00 | -174,180.00 |
| Financing Cash Flow | 13,970.00 | -8,458.00 | 9,141.00 | 70,439.00 | 136,887.00 |
| Net Issuance/Repayment of Debt | 311,798.00 | 1,597,400.00 | 53.00 | -4,869.00 | 15,244.00 |
| Net Issuance/Repurchase of Equity | 4,768.00 | 3,471.00 | -5,900.00 | -9,520.00 | 7,166.00 |
| Dividends Paid | 3,770.00 | 3,584.00 | 3,407.00 | 3,139.00 | -3,070.00 |
| Other Financing Activities | -306,366.00 | -1,612,913.00 | 11,581.00 | 81,689.00 | 117,547.00 |
| Net Change in Cash | -2,166.00 | -3,039.00 | -121,694.00 | 8,821.00 | 108,347.00 |
| Cash at Beginning of Period | 28,094.00 | 26,004.00 | 149,511.00 | 0 | 0 |
| Cash at End of Period | 25,928.00 | 22,965.00 | 27,817.00 | 0 | 0 |
| 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 | 1,496,263.00 | 1,486,301.00 | 1,501,002.00 | 1,537,210.00 | 1,393,949.00 | 1,342,186.00 | 1,336,012.00 | 1,498,224.00 | 1,326,474.00 | 1,341,435.00 | 1,341,293.00 | 1,335,633.00 | 1,303,377.00 | 1,293,972.00 | 1,335,130.00 | 1,330,854.00 | 1,329,725.00 | 1,312,507.00 | 1,325,867.00 | 1,412,107.00 |
| Deposits | 5,048,226.00 | 4,997,902.00 | 5,085,130.00 | 4,924,904.00 | 4,643,498.00 | 4,466,136.00 | 4,457,656.00 | 4,296,466.00 | 4,352,848.00 | 5,365,100.00 | 5,562,650.00 | 4,354,766.00 | 4,333,534.00 | 4,281,104.00 | 4,548,656.00 | 4,451,510.00 | 4,447,736.00 | 4,365,840.00 | 4,483,154.00 | 1,049,011.00 |
| Cash and Short-Term Investments | 261,150.00 | 243,084.00 | 320,130.00 | 82,479.00 | 149,750.00 | 68,366.00 | 82,223.00 | 73,500.00 | 59,027.00 | 85,852.00 | 86,500.00 | 83,451.00 | 83,802.00 | 88,701.00 | 390,009.00 | 448,533.00 | 414,045.00 | 464,979.00 | 618,108.00 | 422,070.00 |
| Cash and Cash Equivalents | 261,150.00 | 243,084.00 | 320,130.00 | 82,479.00 | 149,750.00 | 68,366.00 | 82,223.00 | 73,500.00 | 58,327.00 | 85,152.00 | 86,500.00 | 83,451.00 | 83,802.00 | 88,701.00 | 390,009.00 | 448,533.00 | 414,045.00 | 464,979.00 | 618,108.00 | 422,070.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 700.00 | 700.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 32,308.00 | 31,542.00 | 30,607.00 | 29,820.00 | 29,804.00 | 30,066.00 | 29,395.00 | 29,757.00 | 13,371.00 | 16,316.00 | 15,704.00 | 12,273.00 | 10,668.00 | 9,768.00 | 8,445.00 | 8,760.00 | 8,862.00 | 9,000.00 | 10,113.00 | 11,397.00 |
| 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 | 21,764.00 | 21,857.00 | 21,875.00 | 20,456.00 | 20,715.00 | 20,860.00 | 20,985.00 | 21,378.00 | 21,934.00 | 22,230.00 | 22,621.00 | 22,829.00 | 22,842.00 | 23,122.00 | 23,039.00 | 23,212.00 | 23,874.00 | 24,343.00 | 23,233.00 | 23,557.00 |
| Goodwill | 27,158.00 | 27,158.00 | 27,158.00 | 23,239.00 | 23,239.00 | 23,239.00 | 23,239.00 | 23,239.00 | 23,239.00 | 23,239.00 | 23,239.00 | 23,239.00 | 0 | 0 | 23,239.00 | 23,191.00 | 22,091.00 | 22,091.00 | 22,091.00 | 22,091.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 1,110,545.00 | 1,094,719.00 | 1,088,274.00 | 1,046,735.00 | 1,029,955.00 | 1,005,390.00 | 991,552.00 | 1,000,212.00 | 989,021.00 | 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 | 1,359,324.00 | 1,352,653.00 | 1,369,476.00 | 1,282,194.00 | 1,261,108.00 | 1,216,707.00 | 1,212,289.00 | 1,249,540.00 | 1,214,126.00 | 1,223,769.00 | 1,221,534.00 | 1,217,205.00 | 1,188,749.00 | 1,169,416.00 | 1,202,493.00 | 1,185,925.00 | 1,185,433.00 | 1,168,490.00 | 1,181,901.00 | 1,126,261.00 |
| 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 | 10,976.00 | 15,640.00 | 11,058.00 | 10,585.00 | 15,240.00 | 15,178.00 | 12,916.00 | 0 | 16,519.00 | 0 | 0 | 14,923.00 | 19,754.00 | 30,772.00 | 19,035.00 | 15,320.00 | 20,771.00 | 25,096.00 | 24,321.00 | 20,200.00 |
| 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 | 19,690.00 | 19,678.00 | 19,666.00 | 19,654.00 | 0 | 19,630.00 | 0 | 0 | 19,594.00 | 19,582.00 | 19,570.00 | 19,558.00 | 19,546.00 | 19,534.00 | 19,522.00 | 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 | 136,939.00 | 133,648.00 | 131,526.00 | 255,016.00 | 132,841.00 | 125,479.00 | 123,723.00 | 248,684.00 | 112,348.00 | 117,666.00 | 119,759.00 | 118,428.00 | 114,628.00 | 124,556.00 | 132,637.00 | 144,929.00 | 144,292.00 | 144,017.00 | 143,966.00 | 285,846.00 |
| Shareholders Equity | 136,939.00 | 133,648.00 | 131,526.00 | 382,524.00 | 132,841.00 | 125,479.00 | 123,723.00 | 373,026.00 | 112,348.00 | 117,666.00 | 119,759.00 | 118,428.00 | 114,628.00 | 124,556.00 | 132,637.00 | 144,929.00 | 144,292.00 | 144,017.00 | 143,966.00 | 428,769.00 |
| Capital Stock | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 61,319.00 | 54,463.00 | 54,463.00 | 54,463.00 | 54,463.00 | 54,463.00 |
| Share Premium | 15,086.00 | 15,139.00 | 14,955.00 | 15,194.00 | 15,090.00 | 15,195.00 | 14,978.00 | 15,124.00 | 15,037.00 | 15,154.00 | 14,953.00 | 15,087.00 | 15,000.00 | 15,069.00 | 14,872.00 | 14,944.00 | 14,875.00 | 14,906.00 | 14,755.00 | 14,845.00 |
| Retained Earnings | 123,370.00 | 120,273.00 | 117,397.00 | 116,186.00 | 113,515.00 | 112,104.00 | 109,937.00 | 108,486.00 | 105,521.00 | 103,725.00 | 101,548.00 | 101,966.00 | 99,309.00 | 96,809.00 | 94,833.00 | 99,716.00 | 97,183.00 | 93,851.00 | 90,883.00 | 84,578.00 |
| Treasury Shares | 39,424.00 | 37,591.00 | 35,273.00 | 34,957.00 | 32,213.00 | 31,338.00 | 30,964.00 | 30,756.00 | 30,012.00 | 29,638.00 | 28,390.00 | 27,824.00 | 27,574.00 | 26,431.00 | 24,728.00 | 22,349.00 | 21,530.00 | 19,702.00 | 15,678.00 | 13,173.00 |
| Accumulated Other Comprehensive Income | -23,412.00 | -25,492.00 | -26,872.00 | -30,234.00 | -24,870.00 | -31,801.00 | -31,547.00 | -29,831.00 | -39,517.00 | -32,894.00 | -29,671.00 | -32,120.00 | -33,426.00 | -22,210.00 | -13,659.00 | -1,845.00 | -699.00 | 499.00 | -457.00 | 2,210.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 595,513.00 | 603,510.00 | 614,554.00 | 619,857.00 | 649,811.00 | 639,180.00 | 655,360.00 | 674,910.00 | 638,303.00 | 488,117.00 | 509,046.00 | 510,505.00 | 520,220.00 | 569,569.00 | 568,997.00 | 561,643.00 | 531,463.00 | 449,581.00 | 0 | 0 |
| Debt | 29,818.00 | 29,042.00 | 28,914.00 | 29,300.00 | 298,300.00 | 288,700.00 | 281,300.00 | 29,828.00 | 28,996.00 | 39,838.00 | 40,238.00 | 29,658.00 | 29,488.00 | 29,016.00 | 29,648.00 | 28,444.00 | 28,582.00 | 28,182.00 | 28,298.00 | 27,098.00 |
| Net Debt | 0 | 0 | 0 | 0 | 148,550.00 | 220,334.00 | 199,077.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 345.00 | 0 | 345.00 | 0 | 345.00 | 345.00 | 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 | 2,082.00 | 1,658.00 | 761.00 | 373.00 | 240.00 | 133.00 | 86.00 | -478.00 | 389.00 | 395.00 | 250.00 | 0 | 0 | 0 | 0 | -1,500.00 | 1,050.00 | 750.00 | 750.00 |
| Interest Income | 54,648.00 | 35,839.00 | 17,372.00 | -29,407.00 | 47,502.00 | 30,954.00 | 15,300.00 | -16,985.00 | 43,026.00 | 28,611.00 | 3,500.00 | 1,357.00 | 3,133.00 | 1,799.00 | 918.00 | -11,866.00 | 3,095.00 | 2,086.00 | 10,705.00 |
| Interest Expense | 18,907.00 | 12,432.00 | 6,093.00 | -12,285.00 | 18,477.00 | 12,115.00 | 6,120.00 | -1,987.00 | 13,337.00 | 8,077.00 | 3,500.00 | 1,357.00 | 3,133.00 | 1,799.00 | 918.00 | -2,241.00 | 3,095.00 | 2,086.00 | 1,080.00 |
| Net Interest | 35,741.00 | 23,407.00 | 22,618.00 | -6,225.00 | 29,025.00 | 18,839.00 | 9,180.00 | -4,485.00 | 29,689.00 | 20,153.00 | 3,500.00 | 1,357.00 | 3,133.00 | 1,799.00 | 918.00 | -10,786.00 | 3,095.00 | 2,086.00 | 9,625.00 |
| Non-Interest Income | 13,399.00 | 9,155.00 | 4,107.00 | -3,174.00 | 12,460.00 | 8,337.00 | 3,951.00 | -631.00 | 12,190.00 | 8,027.00 | 3,666.00 | -8,851.00 | 14,518.00 | 10,475.00 | 5,802.00 | -21,792.00 | 24,108.00 | 17,459.00 | 10,922.00 |
| Non-Interest Expense | 35,760.00 | 24,262.00 | 12,410.00 | -9,229.00 | 31,956.00 | 20,953.00 | 10,282.00 | -11,147.00 | 31,593.00 | 21,112.00 | 10,773.00 | -11,984.00 | 32,046.00 | 21,661.00 | 10,859.00 | -21,327.00 | 33,241.00 | 21,985.00 | 10,909.00 |
| Provisions for Credit Losses | 2,082.00 | 1,658.00 | 761.00 | -373.00 | -240.00 | -133.00 | -86.00 | -1,481.00 | 1,077.00 | 1,083.00 | 250.00 | 0 | 0 | 0 | 0 | -1,500.00 | 1,050.00 | 750.00 | 750.00 |
| Selling, General and Administrative Expenses | 29,433.00 | 20,126.00 | 10,268.00 | -16,007.00 | 25,903.00 | 17,001.00 | 8,292.00 | -17,895.00 | 25,450.00 | 17,637.00 | 9,028.00 | -19,345.00 | 27,619.00 | 18,758.00 | 9,329.00 | -18,799.00 | 29,089.00 | 19,285.00 | 9,534.00 |
| EBT | 12,272.00 | 7,316.00 | 4,983.00 | -2,905.00 | 9,329.00 | 6,223.00 | 2,849.00 | 2,770.00 | 9,897.00 | 6,673.00 | 2,967.00 | 11,896.00 | 0 | 0 | 3,420.00 | -18,294.00 | 18,623.00 | 13,506.00 | 8,888.00 |
| Income Tax | 2,216.00 | 1,306.00 | 431.00 | 1,254.00 | 1,494.00 | 742.00 | 481.00 | 861.00 | 1,685.00 | 1,148.00 | 517.00 | -220.00 | 1,983.00 | 1,237.00 | 607.00 | -3,703.00 | 3,678.00 | 2,664.00 | 1,807.00 |
| Net Income Including Non-Controlling Interests | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9,708.00 | 0 | 0 | 2,813.00 | -14,591.00 | 14,945.00 | 10,842.00 | 7,081.00 |
| Net Income Non-Controlling Interests | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | 0 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 10,056.00 | 6,010.00 | 2,158.00 | -4,214.00 | 7,835.00 | 5,481.00 | 2,368.00 | -4,092.00 | 8,212.00 | 5,525.00 | 2,450.00 | -4,927.00 | 8,988.00 | 5,647.00 | 2,813.00 | -14,591.00 | 14,945.00 | 10,842.00 | 7,081.00 |
| EBIT | 31,179.00 | 19,748.00 | 11,076.00 | -15,190.00 | 27,806.00 | 18,338.00 | 8,969.00 | 783.00 | 23,234.00 | 14,750.00 | 6,467.00 | 18,185.00 | 0 | 0 | 4,338.00 | -20,535.00 | 21,718.00 | 15,592.00 | 9,968.00 |
| Deprecation and Amortization | 3,032.00 | 1,971.00 | 938.00 | -1,645.00 | 2,638.00 | 1,717.00 | 842.00 | -1,773.00 | 2,704.00 | 1,778.00 | 858.00 | -2,393.00 | 3,125.00 | 2,170.00 | 1,112.00 | -3,342.00 | 4,693.00 | 3,174.00 | 1,693.00 |
| EBITDA | 34,211.00 | 21,719.00 | 12,014.00 | -16,835.00 | 30,444.00 | 20,055.00 | 9,811.00 | -990.00 | 25,938.00 | 16,528.00 | 7,325.00 | 21,087.00 | 0 | 0 | 5,450.00 | -23,877.00 | 26,411.00 | 18,766.00 | 11,661.00 |
| 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 | 6,408.00 | 6,464.00 | 6,481.00 | 6,533.00 | 6,689.00 | 6,703.00 | 6,715.00 | 13,561.99 | 6,857.00 | 6,890.00 | 7.01 | 14,099.94 | 7,026.00 | 7.05 | 7,035.00 | 6,641.00 | 7,142.00 | 7,232.00 | 7,317.00 |
| Average Shares Outstanding Diluted | 6,427.00 | 6,483.00 | 6,502.00 | 6,578.00 | 6,704.00 | 6,715.00 | 6,723.00 | 13,748.00 | 6,944.00 | 6,976.00 | 0 | 4,735.04 | 7,098.00 | 7.12 | 7,100.00 | 6,762.00 | 7,167.00 | 7,256.00 | 7,335.00 |
| 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 | 15,769.00 | 3,078.00 | 6,703.00 | 5,774.00 | 3,495.00 | -126.00 | 308.00 | 20,648.00 | 7,217.00 | -915.00 | -4,141.00 | 10,041.00 | 12,817.00 | 3,692.00 | -1,465.00 | 16,533.00 | 6,010.00 | 2,037.00 | -882.00 |
| Operating Net Income | 10,056.00 | 6,010.00 | 2,158.00 | 22,361.00 | 7,835.00 | 5,481.00 | 2,368.00 | 26,431.00 | 8,212.00 | 5,525.00 | 0 | 0 | 8,988.00 | 5,647.00 | 0 | 0 | 7,081.00 | 7,081.00 | 7,081.00 |
| Deprecation and Amortization | 3,032.00 | 1,971.00 | 938.00 | -1,645.00 | 2,638.00 | 1,717.00 | 842.00 | -1,773.00 | 2,704.00 | 1,778.00 | 858.00 | -2,393.00 | 3,125.00 | 2,170.00 | 1,112.00 | -3,342.00 | 4,693.00 | 3,174.00 | 1,693.00 |
| Deferred Income Tax | 0 | 0 | 0 | 2,017.00 | 0 | 0 | 0 | 1,878.00 | 0 | 0 | 0 | 2,709.00 | 0 | 0 | 0 | 2,302.00 | 0 | 0 | 0 |
| Share Based Compensation | 462.00 | 341.00 | 157.00 | -447.00 | 533.00 | 384.00 | 167.00 | -444.00 | 489.00 | 366.00 | 165.00 | -424.00 | 479.00 | 355.00 | 158.00 | -328.00 | 374.00 | 274.00 | 123.00 |
| Change in Working Capital | -7,617.00 | -4,577.00 | -3,155.00 | 925.00 | 530.00 | 304.00 | 868.00 | 12,210.00 | -4,934.00 | -7,813.00 | -7,497.00 | 27,449.00 | -1,135.00 | -9,869.00 | -6,422.00 | 31,604.00 | -13,824.00 | -14,370.00 | -11,227.00 |
| Other Operating Activities | 9,836.00 | -667.00 | 6,605.00 | -17,437.00 | -8,041.00 | -8,012.00 | -3,937.00 | -17,654.00 | 746.00 | -771.00 | 2,333.00 | -2,665.00 | 1,360.00 | 5,389.00 | 3,687.00 | 7,540.00 | 7,686.00 | 5,878.00 | 1,448.00 |
| Investing Cash Flow | -4,983.00 | 7,226.00 | 9,173.00 | -29,406.00 | -14,863.00 | 3,728.00 | 11,701.00 | 16,322.00 | -10,342.00 | -14,007.00 | -9,363.00 | 121,965.00 | -132,989.00 | -111,312.00 | -43,335.00 | 53,791.00 | -77,909.00 | -43,375.00 | -5,595.00 |
| 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 | 1,904.00 | 1,451.00 | 923.00 | -435.00 | 947.00 | 558.00 | 159.00 | -674.00 | 783.00 | 511.00 | 338.00 | -878.00 | 1,313.00 | 1,044.00 | 417.00 | -1,407.00 | 1,879.00 | 1,790.00 | 165.00 |
| Net Purchase/Sale of Investments Net | 47,034.00 | 41,749.00 | 36,340.00 | -6,910.00 | 14,099.00 | 9,111.00 | 4,171.00 | -11,365.00 | 17,695.00 | 10,983.00 | 5,580.00 | -109,957.00 | 80,535.00 | 71,989.00 | 43,929.00 | -75,603.00 | 173,099.00 | 111,694.00 | 11,975.00 |
| Net Purchase/Sale of Business | 3,014.00 | 3,014.00 | 3,014.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,100.00 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 46,773.00 | 38,736.00 | 139,670.00 | -48,503.00 | 31,706.00 | ||||||||||||||
| Other Investing Activities | -102,505.00 | -68,730.00 | -54,134.00 | -42,407.00 | -59,720.00 | -11,160.00 | 15,974.00 | 53,856.00 | -55,890.00 | -48,364.00 | -29,579.00 | 296,860.00 | -317,536.00 | -257,418.00 | -115,639.00 | 108,420.00 | -228,211.00 | -136,275.00 | 6,789.00 |
| Financing Cash Flow | 48,311.00 | 43,231.00 | 63,341.00 | -10,825.00 | 37,751.00 | -4,584.00 | -8,372.00 | -18,225.00 | -5,643.00 | 8,098.00 | 7,312.00 | -2,422.00 | -1,405.00 | -12,324.00 | 25,292.00 | -126,249.00 | 69,224.00 | 55,641.00 | 71,823.00 |
| Net Issuance/Repayment of Debt | 1,391.00 | 6,055.00 | 1,473.00 | -580,175.00 | 316,453.00 | 306,391.00 | 269,129.00 | 342,900.00 | 1,254,500.00 | 0 | 0 | -23,548.00 | 4,434.00 | 15,452.00 | 3,715.00 | -14,490.00 | 582.00 | 4,907.00 | 4,132.00 |
| Net Issuance/Repurchase of Equity | 5,037.00 | 3,030.00 | 712.00 | 1,328.00 | 2,024.00 | 895.00 | 521.00 | -2,234.00 | 2,727.00 | 2,113.00 | 865.00 | -18,469.00 | 5,648.00 | 4,312.00 | 2,609.00 | -27,681.00 | 8,701.00 | 6,742.00 | 2,718.00 |
| Dividends Paid | 2,872.00 | 1,923.00 | 947.00 | -1,816.00 | 2,806.00 | 1,863.00 | 917.00 | -1,734.00 | 2,666.00 | 1,775.00 | 877.00 | -1,670.00 | 2,539.00 | 1,698.00 | 840.00 | -1,546.00 | 2,340.00 | 1,569.00 | 776.00 |
| Other Financing Activities | 39,011.00 | 32,223.00 | 60,209.00 | 569,838.00 | -283,532.00 | -313,733.00 | -278,939.00 | -357,157.00 | -1,265,536.00 | 4,210.00 | 5,570.00 | 41,265.00 | -14,026.00 | -33,786.00 | 18,128.00 | -82,532.00 | 57,601.00 | 42,423.00 | 64,197.00 |
| Net Change in Cash | 59,097.00 | 53,535.00 | 79,217.00 | -31,204.00 | 26,383.00 | -982.00 | 3,637.00 | 18,745.00 | -8,768.00 | -6,824.00 | -6,192.00 | 139,335.00 | -121,577.00 | -119,944.00 | -19,508.00 | -68,153.00 | -2,675.00 | 14,303.00 | 65,346.00 |
| Cash at Beginning of Period | 25,928.00 | 25,928.00 | 25,928.00 | 57,132.00 | 22,965.00 | 22,965.00 | 22,965.00 | 4,220.00 | 27,817.00 | 27,817.00 | 27,817.00 | -111,518.00 | 149,511.00 | 149,511.00 | 149,511.00 | 0.00 | 0 | 0 | 0 |
| Cash at End of Period | 85,025.00 | 79,463.00 | 105,145.00 | 25,928.00 | 49,348.00 | 21,983.00 | 26,602.00 | 22,965.00 | 19,049.00 | 20,993.00 | 21,625.00 | 27,817.00 | 27,934.00 | 29,567.00 | 130,003.00 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |