SFST

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 20.70 22.22 12.50 10.48
Price to Sales 57.77 73.96 86.73 43.09
Book Value Per Common Share 121.41 115.90 110.29 105.19 88.11
Price to Book 0.33 0.32 0.41 0.59
Price to Operating Cash Flow 12.57 16.91 7.24 6.25
Price to Free Cash Flow
Enterprise Value to EBITDA 22511.90 24134.56 58274.76 66406.32
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 17.30 26.05 50.65 27.93 43.00 102.45 23.43 38.67 90.29 14.03 22.82 50.84 12.08 19.31 35.25
Price to Sales 77.31 102.90 186.73 60.86 76.89 221.32 68.43 101.56 396.13 84.81 129.31 269.85 44.37 60.40 78.67
Book Value Per Common Share 43.51 42.23 41.33 121.41 40.04 39.09 38.65 115.90 37.57 37.42 37.20 110.29 35.99 35.39 34.90 105.19 33.57 31.86 30.50 88.11
Price to Book 1.01 0.90 0.80 0.33 0.85 0.75 0.82 0.32 0.72 0.66 0.83 0.41 1.16 1.23 1.46 0.59 1.59 1.61 1.54
Price to Operating Cash Flow 10.91 17.06 35.07 10.09 229.33 -88.10 20.08 -37.20 199.22 9.00 24.09 51.26 8.41 11.81 34.49
Price to Free Cash Flow
Enterprise Value to EBITDA 32676.16 43897.44 78524.38 25849.48 33982.64 75771.52 25506.72 39334.42 109707.02 79083.94 142166.16 338832.70 84320.55 133881.70 242613.16

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 14.97 -54.37 -38.59 151.48
Revenue YoY 37.76 -3.86 -63.10 -42.50
EBITDA YoY 15.95 97.69 -15.68 30.79
Net Profit YoY 15.67 -53.89 -37.67 154.86
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 74.66 124.62 79.41 119.35 79.69 88.24 55.50 91.00 67.17 99.25
Revenue YoY 53.46 110.18 46.94 165.21 61.66 214.95 45.89 79.25 42.76 42.80
EBITDA YoY 56.02 106.95 53.24 105.25 68.49 125.15 72.06 104.48 66.32 98.94
Net Profit YoY 73.12 124.97 79.37 118.91 79.40 90.94 55.31 80.83 67.75 99.59

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 40.76 39.99 44.69 44.21 27.26
Quick Ratio
Current Ratio
Debt to Equity 5.48 5.66 5.43 0.75 0.76
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 35.15 33.47 37.76 40.34 32.17 24.00 20.63 39.78 18.95 25.51 33.92 44.39 20.19 22.92 18.81 43.76 16.41 19.69 19.98 27.07
Quick Ratio
Current Ratio
Debt to Equity 11.23 11.47 11.69 5.48 11.78 11.89 12.02 5.66 12.23 12.27 12.16 5.43 10.95 10.63 10.03 0.75 9.48 9.53 9.77 0.76
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.35 0.30 0.72 0.76 0.35
ROE 2.26 2.03 4.65 1.33 0.62
Gross Margin 79.77 -40.68 -302.69 -227.00 -348.82
Operating Margin 2516.22 2962.54 1426.49 643.42 280.73
EBITDA Margin 2592.77 3080.35 1498.05 655.59 288.21
Net Profit Margin 279.32 332.66 693.54 410.61 92.64
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 0.47 0.28 0.12 0.24 0.13 0.06 0.23 0.13 0.07 0.69 0.46 0.27 1.25 0.78 0.40
ROE 5.76 3.43 1.56 3.03 1.73 0.80 3.05 1.71 0.90 8.21 5.38 3.02 13.07 8.22 4.33
Gross Margin -32.81 -42.00 -58.01 59.77 40.88 84.97 -150.55 -340.79 -789.87 -155.44 -197.98 -111.18 -160.46 0.24 80.57
Operating Margin 2342.28 2298.40 2329.71 2300.15 2203.69 2843.81 2587.88 2478.97 3447.75 1027.90 879.09 776.51 521.97 447.60 320.63
EBITDA Margin 2407.23 2367.76 2404.71 2370.39 2272.92 2936.86 2697.41 2588.11 3620.42 1078.24 914.26 801.47 531.58 456.27 327.52
Net Profit Margin 446.53 395.82 369.80 218.32 178.85 216.67 292.36 263.45 434.57 604.63 567.96 562.99 367.45 312.71 223.74

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 4,443,189.00 4,404,859.00 4,022,986.00 6,165,376.00 5,229,740.00
   Deposits 3,435,765.00 3,379,564.00 3,133,864.00 2,563,826.00 2,142,758.00
      Cash and Short-Term Investments 329,367.00 321,748.00 355,630.00 346,797.00 210,393.00
            Cash and Cash Equivalents 329,367.00 321,748.00 355,630.00 346,797.00 210,393.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 18,886,391.00 7,194.00 3,917.00 13,556.00 60,257.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 88,794.00 94,301.00 99,183.00 92,370.00 79,004.00
      Goodwill 0 0 0 0 0
      Intangible Assets 0 0 0 0 0
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 13,467.00 12,200.00 12,522.00 8,397.00 9,518.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 3,757,149.00 3,743,322.00 3,397,469.00 2,647,647.00 2,254,293.00
      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 686,040.00 661,537.00 625,517.00 3,517,729.00 2,975,447.00
   Shareholders Equity 991,332.00 937,401.00 883,536.00 833,703.00 684,882.00
      Capital Stock 82.00 81.00 80.00 79.00 78.00
      Share Premium 124,641.00 121,777.00 119,027.00 114,226.00 108,831.00
      Retained Earnings 221,077.00 205,547.00 192,121.00 165,771.00 119,060.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -11,472.00 -11,342.00 -13,410.00 -740.00 1,023.00
   Minority Interest 0 0 0 0 0
Investments 15,736,263.00 630,451.00 449,895.00 436,039.00 101,999.00
Debt 63,206.00 86,044.00 85,828.00 85,611.00 85,396.00
Common Shares Outstanding 8,164.87 8,088.19 8,011.05 7,925.82 7,772.75
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 5,560.00 4,036.00 4,198.00 11,376.00 19,785.00
Cost Of Revenue 1,125.00 5,678.00 16,905.00 37,200.00 88,800.00
Interest Income 207,036.00 182,076.00 119,672.00 187,686.00 191,068.00
Interest Expense 119,990.00 102,141.00 21,771.00 12,393.00 31,724.00
Net Interest 81,222.00 77,654.00 97,621.00 87,732.00 79,810.00
Non-Interest Income 12,141.00 9,860.00 9,580.00 17,101.00 27,353.00
Non-Interest Expense 73,326.00 68,827.00 62,933.00 56,430.00 53,744.00
Provisions for Credit Losses 1,125.00 5,678.00 16,905.00 -37,200.00 88,800.00
Gross Profit 4,435.00 -1,642.00 -12,707.00 -25,824.00 -69,015.00
   Selling, General and Administrative Expenses 21,848.00 21,186.00 19,068.00 14,745.00 12,848.00
EBT 19,912.00 17,427.00 38,113.00 60,803.00 23,819.00
Income Tax 4,884.00 4,512.00 9,407.00 28,560.00 11,397.00
Net Income 15,530.00 13,426.00 29,115.00 46,711.00 18,328.00
EBIT 139,902.00 119,568.00 59,884.00 73,196.00 55,543.00
Deprecation and Amortization 4,256.00 4,755.00 3,004.00 1,384.00 1,480.00
EBITDA 144,158.00 124,323.00 62,888.00 74,580.00 57,023.00
EPS 0.00 0.00 0.00 0.01 0.00
Diluted EPS 0.00 0.00 0.00 0.01 0.00
Average Shares Outstanding Basic 8,080.62 8,046.63 7,958.29 7,843.69 7,718.61
Average Shares Outstanding Diluted 8,117.06 8,078.45 8,071.69 7,988.98 7,824.21
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 25,558.00 17,653.00 50,305.00 78,417.00 20,497.00
   Operating Net Income 46,590.00 40,278.00 87,345.00 186,844.00 73,312.00
   Deprecation and Amortization 4,256.00 4,755.00 3,004.00 1,384.00 1,480.00
   Deferred Income Tax -1,233.00 -228.00 -757.00 1,590.00 -5,594.00
   Share Based Compensation 2,283.00 1,943.00 2,026.00 1,647.00 1,397.00
   Change in Working Capital 10,594.00 3,661.00 9,151.00 -15,025.00 16,531.00
   Other Operating Activities -36,932.00 -32,756.00 -50,464.00 -98,023.00 -66,629.00
Investing Cash Flow -23,860.00 -383,575.00 -792,583.00 -410,627.00 -230,770.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 813.00 1,242.00 14,045.00 26,559.00 10,171.00
   Net Purchase/Sale of Investments Net 58,781.00 181,830.00 85,000.00 74,177.00 32,773.00
   Net Purchase/Sale of Business 0 0 0 0 0
   Net Loan & Lease Activity 30,408.00 329,431.00 782,130.00 348,718.00 203,632.00
   Other Investing Activities -113,862.00 -896,078.00 -1,673,758.00 -860,081.00 -477,346.00
Financing Cash Flow -1,211.00 346,736.00 746,848.00 402,092.00 184,410.00
   Net Issuance/Repayment of Debt 0 0 0 0 0
   Net Issuance/Repurchase of Equity 294.00 518.00 905.00 3,012.00 1,388.00
   Dividends Paid 0 0 0 0 0
   Other Financing Activities -1,505.00 346,218.00 745,943.00 399,080.00 183,022.00
Net Change in Cash 6,693.00 -14,704.00 3,665.00 66,522.00 -27,129.00
   Cash at Beginning of Period 156,170.00 170,874.00 167,209.00 100,687.00 0
   Cash at End of Period 162,863.00 156,170.00 170,874.00 167,209.00 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 4,358,589.00 4,308,067.00 4,284,311.00 4,443,189.00 4,174,631.00 4,109,849.00 4,105,704.00 4,404,859.00 4,019,957.00 4,002,107.00 3,938,140.00 4,022,986.00 3,439,669.00 3,287,663.00 3,072,640.00 6,165,376.00 2,784,176.00 2,650,183.00 2,579,922.00 5,229,740.00
   Deposits 3,676,417.00 3,636,329.00 3,620,886.00 3,435,765.00 3,518,825.00 3,459,869.00 3,460,681.00 3,379,564.00 3,347,771.00 3,433,018.00 3,426,774.00 3,133,864.00 3,001,452.00 2,870,158.00 2,708,174.00 2,563,826.00 2,433,018.00 2,310,892.00 2,258,751.00 2,142,758.00
      Cash and Short-Term Investments 282,903.00 271,032.00 305,057.00 329,367.00 260,575.00 194,827.00 167,309.00 321,748.00 152,392.00 205,070.00 272,205.00 355,630.00 160,606.00 182,090.00 149,216.00 346,797.00 128,533.00 153,797.00 155,345.00 210,393.00
            Cash and Cash Equivalents 282,903.00 271,032.00 305,057.00 329,367.00 260,575.00 194,827.00 167,309.00 321,748.00 152,392.00 205,070.00 272,205.00 355,630.00 160,606.00 182,090.00 149,216.00 346,797.00 128,533.00 153,797.00 155,345.00 210,393.00
            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 19,726,208.00 19,503,424.00 19,156,822.00 18,886,391.00 8,602.00 14,759.00 11,842.00 7,194.00 7,117.00 15,781.00 6,979.00 3,917.00 17,192.00 25,762.00 25,467.00 13,556.00 31,641.00 36,427.00 57,073.00 60,257.00
      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 84,586.00 85,921.00 87,369.00 88,794.00 90,158.00 91,533.00 93,007.00 94,301.00 95,743.00 96,964.00 97,806.00 99,183.00 123,130.00 120,374.00 119,229.00 92,370.00 100,356.00 86,893.00 79,910.00 79,004.00
      Goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      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 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Non-Current Deferred Assets 12,657.00 12,971.00 13,080.00 13,467.00 11,595.00 12,339.00 12,321.00 12,200.00 13,078.00 12,356.00 12,087.00 12,522.00 18,425.00 15,078.00 10,635.00 8,397.00 16,591.00 25,025.00 9,813.00 9,518.00
      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 4,002,241.00 3,962,605.00 3,946,713.00 3,757,149.00 3,848,093.00 3,791,101.00 3,790,448.00 3,743,322.00 3,716,059.00 3,700,593.00 3,638,790.00 3,397,469.00 3,151,884.00 3,005,026.00 2,794,116.00 2,647,647.00 2,518,547.00 2,398,524.00 2,340,401.00 2,254,293.00
      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 25,000.00 25,300.00 25,500.00 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 356,348.00 345,462.00 337,598.00 686,040.00 326,538.00 318,748.00 315,256.00 661,537.00 303,898.00 301,514.00 299,350.00 625,517.00 287,785.00 282,637.00 278,524.00 3,517,729.00 265,629.00 251,659.00 239,521.00 2,975,447.00
   Shareholders Equity 356,348.00 345,462.00 337,598.00 991,332.00 326,538.00 318,748.00 315,256.00 937,401.00 303,898.00 301,514.00 299,350.00 883,536.00 287,785.00 282,637.00 278,524.00 833,703.00 265,629.00 251,659.00 239,521.00 684,882.00
      Capital Stock 82.00 82.00 82.00 82.00 82.00 82.00 82.00 81.00 81.00 81.00 80.00 80.00 80.00 80.00 80.00 79.00 79.00 79.00 79.00 78.00
      Share Premium 125,035.00 124,839.00 124,561.00 124,641.00 124,288.00 124,174.00 124,159.00 121,777.00 121,757.00 120,912.00 120,683.00 119,027.00 118,433.00 117,714.00 117,286.00 114,226.00 113,501.00 112,604.00 111,181.00 108,831.00
      Retained Earnings 241,586.00 232,924.00 226,343.00 221,077.00 215,450.00 211,068.00 208,069.00 205,547.00 201,380.00 197,282.00 194,824.00 192,121.00 186,629.00 178,216.00 170,976.00 165,771.00 153,766.00 139,749.00 129,426.00 119,060.00
      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 -8,426.00 -9,609.00 -10,016.00 -11,472.00 -9,063.00 -11,866.00 -11,797.00 -11,342.00 -15,255.00 -12,710.00 -11,775.00 -13,410.00 -14,009.00 -10,143.00 -6,393.00 -740.00 -248.00 400.00 -90.00 1,023.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 16,409,119.00 16,217,048.00 15,943,563.00 15,736,263.00 577,668.00 522,718.00 540,982.00 630,451.00 665,247.00 444,374.00 451,114.00 449,895.00 429,637.00 364,223.00 391,310.00 436,039.00 411,850.00 96,772.00 96,537.00 101,999.00
Debt 24,903.00 24,903.00 24,903.00 63,206.00 24,903.00 36,376.00 36,349.00 86,044.00 36,295.00 36,268.00 36,241.00 85,828.00 36,187.00 36,160.00 36,133.00 85,611.00 36,079.00 36,052.00 36,025.00 85,396.00
Common Shares Outstanding 8,189.18 8,180.72 8,168.86 8,164.87 8,156.10 8,155.10 8,156.11 8,088.19 8,088.64 8,058.44 8,047.98 8,011.05 7,997.34 7,985.64 7,980.52 7,925.82 7,913.38 7,899.93 7,853.10 7,772.75
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 4,593.00 2,993.00 1,424.00 -3,227.00 4,536.00 3,087.00 1,164.00 -1,712.00 3,167.00 1,959.00 622.00 -3,881.00 3,907.00 2,678.00 1,494.00 -9,318.00 9,445.00 6,616.00 4,633.00
Cost Of Revenue 6,100.00 4,250.00 2,250.00 -2,700.00 1,825.00 1,825.00 175.00 -16,427.00 7,935.00 8,635.00 5,535.00 -4,210.00 9,980.00 7,980.00 3,155.00 5,100.00 24,600.00 6,600.00 900.00
Interest Income 161,054.00 104,725.00 51,050.00 -98,998.00 154,388.00 101,805.00 49,841.00 -70,451.00 131,251.00 82,333.00 38,943.00 -66,419.00 84,065.00 52,624.00 49,402.00 -88,887.00 138,988.00 91,658.00 45,927.00
Interest Expense 80,744.00 53,287.00 26,264.00 -61,780.00 91,316.00 60,736.00 29,718.00 -27,399.00 69,868.00 41,766.00 17,906.00 7,682.00 9,135.00 3,654.00 1,300.00 3,856.00 4,156.00 2,841.00 1,540.00
Net Interest 76,208.00 48,678.00 23,383.00 -34,360.00 58,764.00 38,173.00 18,645.00 -40,614.00 58,595.00 39,249.00 20,424.00 -47,093.00 73,502.00 48,048.00 23,164.00 -41,119.00 64,875.00 42,703.00 21,273.00
Non-Interest Income 10,046.00 6,447.00 3,114.00 -6,072.00 9,362.00 6,187.00 2,664.00 -4,493.00 7,529.00 4,780.00 2,044.00 -6,414.00 7,873.00 5,194.00 2,927.00 -12,093.00 13,764.00 9,526.00 5,904.00
Non-Interest Expense 57,117.00 38,171.00 18,836.00 -36,299.00 54,782.00 36,743.00 18,100.00 -34,573.00 51,799.00 34,497.00 17,104.00 -28,746.00 46,520.00 30,474.00 14,685.00 -27,084.00 41,695.00 27,657.00 14,162.00
Provisions for Credit Losses 6,100.00 4,250.00 2,250.00 -2,350.00 1,825.00 1,825.00 -175.00 -16,427.00 7,935.00 8,635.00 5,535.00 -4,210.00 9,980.00 7,980.00 3,155.00 -5,100.00 -24,600.00 -6,600.00 -900.00
Gross Profit -1,507.00 -1,257.00 -826.00 -527.00 2,711.00 1,262.00 989.00 14,715.00 -4,768.00 -6,676.00 -4,913.00 329.00 -6,073.00 -5,302.00 -1,661.00 -14,418.00 -15,155.00 16.00 3,733.00
   Selling, General and Administrative Expenses 16,806.00 11,186.00 5,468.00 -10,684.00 16,267.00 10,875.00 5,390.00 -9,869.00 15,523.00 10,420.00 5,112.00 -7,631.00 13,812.00 8,947.00 3,940.00 -6,087.00 10,582.00 6,868.00 3,382.00
EBT 26,837.00 15,504.00 6,911.00 -3,783.00 13,019.00 7,292.00 3,384.00 -4,999.00 12,090.00 6,797.00 3,539.00 -23,101.00 31,025.00 19,888.00 10,301.00 -24,428.00 45,144.00 26,772.00 13,315.00
Income Tax 6,328.00 3,657.00 1,645.00 -865.00 3,116.00 1,771.00 862.00 -791.00 2,831.00 1,636.00 836.00 -5,004.00 7,402.00 4,678.00 2,331.00 9,090.00 10,438.00 6,083.00 2,949.00
Net Income 20,509.00 11,847.00 5,266.00 -2,416.00 9,903.00 5,521.00 2,522.00 -3,697.00 9,259.00 5,161.00 2,703.00 -18,129.00 23,623.00 15,210.00 8,411.00 -19,050.00 34,706.00 20,689.00 10,366.00
EBIT 107,581.00 68,791.00 33,175.00 -65,563.00 104,335.00 68,028.00 33,102.00 -32,398.00 81,958.00 48,563.00 21,445.00 -15,419.00 40,160.00 23,542.00 11,601.00 -20,572.00 49,300.00 29,613.00 14,855.00
Deprecation and Amortization 2,983.00 2,076.00 1,068.00 -2,150.00 3,186.00 2,137.00 1,083.00 -1,926.00 3,469.00 2,138.00 1,074.00 -278.00 1,967.00 942.00 373.00 -417.00 908.00 574.00 319.00
EBITDA 110,564.00 70,867.00 34,243.00 -67,713.00 107,521.00 70,165.00 34,185.00 -34,324.00 85,427.00 50,701.00 22,519.00 -15,697.00 42,127.00 24,484.00 11,974.00 -20,989.00 50,208.00 30,187.00 15,174.00
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 8,048.43 8,098.74 8,078.35 7,994.18 8,100.00 8,118.06 8,110.25 8,078.60 8,043.41 8,038.64 8,025.88 8,002.48 7,954.02 7,944.81 7,931.85 7,956.71 7,832.33 7,811.22 7,774.52
Average Shares Outstanding Diluted 8,080.68 8,122.22 8,110.51 8,061.09 8,123.85 8,141.37 8,141.92 8,063.19 8,077.83 8,080.52 8,092.27 8,042.97 8,071.99 8,075.50 8,096.31 8,133.02 7,966.06 7,948.29 7,908.54
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 32,543.00 18,057.00 7,582.00 82.00 27,365.00 1,035.00 -2,924.00 10,972.00 10,793.00 -5,349.00 1,237.00 -8,773.00 36,838.00 14,373.00 7,867.00 -15,797.00 49,804.00 33,841.00 10,569.00
   Operating Net Income 20,509.00 11,847.00 5,266.00 28,644.00 9,903.00 5,521.00 2,522.00 23,155.00 9,259.00 5,161.00 2,703.00 24,602.00 23,623.00 15,210.00 23,910.00 -10,439.00 104,118.00 62,067.00 31,098.00
   Deprecation and Amortization 2,983.00 2,076.00 1,068.00 -2,150.00 3,186.00 2,137.00 1,083.00 -1,926.00 3,469.00 2,138.00 1,074.00 -278.00 1,967.00 942.00 373.00 -417.00 908.00 574.00 319.00
   Deferred Income Tax 0 0 0 -1,233.00 0 0 0 -228.00 0 0 0 -757.00 0 0 0 1,590.00 0 0 0
   Share Based Compensation 1,681.00 1,142.00 537.00 -1,088.00 1,699.00 1,117.00 555.00 -971.00 1,475.00 956.00 483.00 -954.00 1,501.00 987.00 492.00 -731.00 1,204.00 778.00 396.00
   Change in Working Capital 2,414.00 3,140.00 2,535.00 -15,047.00 12,982.00 7,464.00 5,195.00 -13,344.00 14,017.00 3,738.00 -750.00 -9,917.00 11,767.00 4,394.00 2,907.00 -24,395.00 -493.00 14,701.00 -4,838.00
   Other Operating Activities 4,956.00 -148.00 -1,824.00 -9,044.00 -405.00 -15,204.00 -12,279.00 4,286.00 -17,427.00 -17,342.00 -2,273.00 -21,469.00 -2,020.00 -7,160.00 -19,815.00 18,595.00 -55,933.00 -44,279.00 -16,406.00
Investing Cash Flow -153,823.00 -110,618.00 -50,404.00 32,122.00 -15,911.00 -7,850.00 -32,221.00 367,731.00 -343,679.00 -264,794.00 -142,833.00 276,596.00 -541,861.00 -356,531.00 -170,787.00 54,155.00 -289,914.00 -126,386.00 -48,482.00
   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 309.00 221.00 141.00 -406.00 567.00 372.00 280.00 -2,077.00 1,120.00 767.00 1,432.00 -14,137.00 13,229.00 9,084.00 5,869.00 -3,925.00 16,670.00 11,155.00 2,659.00
   Net Purchase/Sale of Investments Net 11,622.00 5,421.00 3,015.00 -54,798.00 52,479.00 32,675.00 28,425.00 -95,554.00 154,374.00 85,746.00 37,264.00 -56,540.00 60,652.00 50,301.00 30,587.00 -5,768.00 57,234.00 15,391.00 7,320.00
   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 30,408.00 329,431.00 782,130.00 348,718.00 203,632.00
   Other Investing Activities -323,298.00 -231,638.00 -105,964.00 137,662.00 -87,152.00 -62,066.00 -102,306.00 825,936.00 -779,800.00 -616,044.00 -326,170.00 630,340.00 -1,154,558.00 -771,510.00 -378,030.00 114,388.00 -610,239.00 -264,604.00 -99,626.00
Financing Cash Flow 241,320.00 200,730.00 185,016.00 -185,918.00 92,951.00 45,472.00 46,284.00 -514,934.00 314,404.00 304,339.00 242,927.00 -253,538.00 498,420.00 357,039.00 144,927.00 -104,090.00 267,956.00 145,655.00 92,571.00
   Net Issuance/Repayment of Debt 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
   Net Issuance/Repurchase of Equity 1,097.00 516.00 210.00 -230.00 190.00 167.00 167.00 -181.00 497.00 185.00 17.00 -1,175.00 794.00 707.00 579.00 -3,783.00 2,696.00 2,521.00 1,578.00
   Dividends Paid 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
   Other Financing Activities 240,223.00 200,214.00 184,806.00 -185,688.00 92,761.00 45,305.00 46,117.00 -514,753.00 313,907.00 304,154.00 242,910.00 -252,363.00 497,626.00 356,332.00 144,348.00 -100,307.00 265,260.00 143,134.00 90,993.00
Net Change in Cash 120,040.00 108,169.00 142,194.00 -147,508.00 104,405.00 38,657.00 11,139.00 -131,749.00 -18,482.00 34,196.00 101,331.00 13,380.00 -6,603.00 14,881.00 -17,993.00 -69,092.00 27,846.00 53,110.00 54,658.00
   Cash at Beginning of Period 162,863.00 162,863.00 162,863.00 310,371.00 156,170.00 156,170.00 156,170.00 287,919.00 170,874.00 170,874.00 170,874.00 157,494.00 167,209.00 167,209.00 167,209.00 236,301.00 0 0 0
   Cash at End of Period 282,903.00 271,032.00 305,057.00 162,863.00 260,575.00 194,827.00 167,309.00 156,170.00 152,392.00 205,070.00 272,205.00 170,874.00 160,606.00 182,090.00 149,216.00 167,209.00 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