SHBI

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 12.01 33.93
Price to Sales 25.21 20.65
Book Value Per Common Share 16.23 15.41 18.35 17.71 16.55
Price to Book 0.98 0.92
Price to Operating Cash Flow 11.25 16.67
Price to Free Cash Flow
Enterprise Value to EBITDA 25663.58 43951.09
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 12.53 17.86 33.02 15.21 19.74 46.00
Price to Sales 35.43 50.71 97.34 31.71 38.20 81.04
Book Value Per Common Share 17.27 16.94 16.55 16.23 16.00 15.74 15.51 15.41 15.24 18.24 18.17 18.35 18.00 17.77 17.73 17.71 17.15 16.91 16.69 16.55
Price to Book 0.95 0.93 0.82 0.98 0.87 0.73 0.74 0.92
Price to Operating Cash Flow 10.17 45.83 22.83 32.22 70.25 159.94
Price to Free Cash Flow
Enterprise Value to EBITDA 34829.61 49329.45 86344.24 32016.75 39852.49 85522.42

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 214.29 -73.25 34.19 -7.87
Revenue YoY 14.04 19.52 39.37 19.56
EBITDA YoY 91.47 81.82 105.42 -4.34
Net Profit YoY 290.89 -63.99 102.87 -2.30
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 48.86 114.63 58.62 132.00 -67.92 65.63 74.24 135.71
Revenue YoY 49.60 123.00 47.59 111.53 89.46 87.41 51.30 112.24 54.17 117.52
EBITDA YoY 48.05 103.23 52.60 113.69 45.69 106.06 73.03 125.45 54.55 98.34
Net Profit YoY 49.02 112.66 57.62 137.27 -60.95 62.23 73.65 133.60 57.49 100.83

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 14.00 14.23 2.86 44.59 15.21
Quick Ratio
Current Ratio
Debt to Equity 10.52 10.76 8.55 8.87 8.91
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 12.46 5.54 11.84 13.97 5.69 4.35 3.62 11.40 3.45 2365.07 1959.52 2.86 8.29 20.37 28862.27 29.53 26568.75 20300.54 19452.36 15.98
Quick Ratio
Current Ratio
Debt to Equity 9.88 9.68 10.18 10.52 10.10 10.22 10.31 10.76 10.31 9.03 8.83 8.55 8.65 8.76 8.93 8.87 10.21 9.67 9.40 8.91
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.70 0.19 0.90 0.44 0.81
ROE 8.11 2.20 8.56 4.38 8.07
Gross Margin 77.34 -68.82 87.45 96.75 57.64
Operating Margin 905.12 531.28 356.48 247.29 305.53
EBITDA Margin 984.44 586.37 385.47 261.52 326.85
Net Profit Margin 209.89 61.24 203.24 139.62 170.87
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 0.69 0.48 0.22 0.52 0.33 0.14 0.07 0.29 0.18 0.66 0.38 0.16 0.56 0.38 0.20
ROE 7.56 5.18 2.49 5.74 3.71 1.59 0.81 2.88 1.79 6.37 3.72 1.60 6.27 4.04 2.04
Gross Margin 64.16 75.30 77.84 73.08 75.02 91.36 -125.75 73.52 67.98 87.57 89.80 83.76 81.95 78.08 81.15
Operating Margin 941.97 949.95 1040.75 904.42 869.06 862.20 388.04 534.47 482.84 320.28 276.11 255.50 283.89 283.08 309.40
EBITDA Margin 1017.23 1027.86 1127.84 990.55 958.01 948.33 433.57 563.83 512.78 346.69 303.15 285.38 295.83 295.11 323.64
Net Profit Margin 281.79 282.89 296.64 208.20 194.94 173.79 30.42 147.56 170.46 191.95 167.24 151.95 167.22 163.69 177.29

Dividends

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Dividend Yield
Dividend Payout Ratio
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
Dividend Yield
Dividend Payout Ratio

Financial Statements

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Assets 6,230,763.00 6,010,918.00 3,477,276.00 3,460,136.00 1,933,315.00
   Deposits 7,091,151.00 5,386,120.00 3,009,784.00 3,026,236.00 1,700,705.00
      Cash and Short-Term Investments 465,665.00 378,116.00 56,732.00 584,985.00 188,312.00
            Cash and Cash Equivalents 459,851.00 372,413.00 55,499.00 583,613.00 186,917.00
            Short-Term Investments 5,814.00 5,703.00 1,233.00 1,372.00 1,395.00
      Net Receivables 19,570.00 19,217.00 9,384.00 6,719.00 13,888.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 93,191.00 94,873.00 61,117.00 62,994.00 29,719.00
      Goodwill 63,266.00 63,266.00 63,266.00 63,421.00 17,518.00
      Intangible Assets 38,311.00 48,090.00 5,547.00 7,535.00 1,719.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 31,857.00 40,707.00 345.00 253.00 367.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 5,689,697.00 5,499,783.00 3,112,991.00 3,109,443.00 1,738,296.00
      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 541,066.00 511,135.00 364,285.00 350,693.00 195,019.00
   Shareholders Equity 541,066.00 511,135.00 364,285.00 350,693.00 195,019.00
      Capital Stock 333.00 332.00 199.00 198.00 118.00
      Share Premium 358,112.00 356,007.00 201,494.00 200,473.00 52,167.00
      Retained Earnings 190,166.00 162,290.00 171,613.00 149,966.00 141,205.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -7,545.00 -7,494.00 -9,021.00 56.00 1,529.00
   Minority Interest 0 0 0 0 0
Investments 5,814.00 5,703.00 1,233.00 1,372.00 206,669.00
Debt 85,561.00 85,154.00 52,980.00 54,329.00 29,303.00
Common Shares Outstanding 33,332.18 33,161.53 19,849.56 19,807.53 11,783.38
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 20,910.00 18,335.00 15,340.00 11,007.00 9,206.00
Cost Of Revenue 4,738.00 30,953.00 1,925.00 358.00 3,900.00
Interest Income 295,338.00 225,279.00 113,845.00 70,169.00 59,677.00
Interest Expense 130,557.00 83,226.00 12,543.00 6,039.00 7,080.00
Net Interest 170,549.00 135,307.00 101,302.00 64,130.00 52,597.00
Non-Interest Income 31,147.00 34,259.00 23,086.00 13,498.00 10,749.00
Non-Interest Expense 138,254.00 123,329.00 80,322.00 56,806.00 38,399.00
Provisions for Credit Losses 4,738.00 30,953.00 1,925.00 -358.00 3,900.00
Gross Profit 16,172.00 -12,618.00 13,415.00 10,649.00 5,306.00
   Selling, General and Administrative Expenses 88,614.00 73,577.00 58,971.00 37,175.00 28,603.00
EBT 58,704.00 14,184.00 42,141.00 21,180.00 21,047.00
Income Tax 13,137.00 1,399.00 10,964.00 5,812.00 5,317.00
Net Income 43,889.00 11,228.00 31,177.00 15,368.00 15,730.00
EBIT 189,261.00 97,410.00 54,684.00 27,219.00 28,127.00
Deprecation and Amortization 16,586.00 10,101.00 4,447.00 1,566.00 1,963.00
EBITDA 205,847.00 107,511.00 59,131.00 28,785.00 30,090.00
EPS 0.00 0.00 0.00 0.00 0.00
Diluted EPS 0.00 0.00 0.00 0.00 0
Average Shares Outstanding Basic 33,267.00 26,572.00 19,847.00 13,119.00 12,380.00
Average Shares Outstanding Diluted 33,285.00 26,574.00 0 13,119.00 12,381.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 46,887.00 22,713.00 52,647.00 -7,503.00 18,430.00
   Operating Net Income 43,889.00 11,228.00 31,177.00 15,368.00 15,730.00
   Deprecation and Amortization 16,586.00 10,101.00 4,447.00 1,566.00 1,963.00
   Deferred Income Tax 8,870.00 2,721.00 -1,182.00 278.00 -2,185.00
   Share Based Compensation 1,730.00 1,174.00 636.00 378.00 263.00
   Change in Working Capital -8,179.00 10,041.00 -1,426.00 2,825.00 6,050.00
   Other Operating Activities -16,009.00 -12,552.00 18,995.00 -27,918.00 -3,391.00
Investing Cash Flow -134,541.00 172,313.00 -581,572.00 38,193.00 -280,080.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 5,224.00 5,954.00 2,432.00 3,450.00 2,377.00
   Net Purchase/Sale of Investments Net 316,045.00 598,405.00 291,420.00 336,898.00 189,835.00
   Net Purchase/Sale of Business 0 0 0 305,781.00 0
   Net Loan & Lease Activity 123,277.00 325,894.00 426,973.00 79,771.00 205,901.00
   Other Investing Activities -579,087.00 -757,940.00 -1,302,397.00 -687,707.00 -678,193.00
Financing Cash Flow 175,092.00 121,888.00 811.00 366,006.00 353,596.00
   Net Issuance/Repayment of Debt 50,000.00 -109,000.00 45,857.00 3,093.00 39,213.00
   Net Issuance/Repurchase of Equity 0 0 386.00 6.00 3.00
   Dividends Paid 16,013.00 12,733.00 9,530.00 6,607.00 5,950.00
   Other Financing Activities 109,079.00 218,155.00 -54,962.00 356,300.00 308,430.00
Net Change in Cash 87,438.00 316,914.00 -528,114.00 396,696.00 91,946.00
   Cash at Beginning of Period 372,413.00 55,499.00 583,613.00 186,917.00 94,971.00
   Cash at End of Period 459,851.00 372,413.00 55,499.00 583,613.00 186,917.00
Free Cash Flow 0 0 0 0 0
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
Assets 6,278,479.00 6,037,874.00 6,176,563.00 6,230,763.00 5,917,704.00 5,864,017.00 5,825,704.00 6,010,918.00 5,708,725.00 3,641,631.00 3,553,694.00 3,477,276.00 3,446,804.00 3,442,550.00 3,494,497.00 3,460,136.00 2,260,774.00 2,120,260.00 2,039,631.00 1,933,315.00
   Deposits 7,122,377.00 6,889,078.00 7,025,362.00 7,091,151.00 5,225,723.00 5,148,885.00 5,184,279.00 5,386,120.00 5,108,744.00 2,937,526.00 2,994,562.00 3,009,784.00 3,015,312.00 3,014,331.00 3,068,495.00 3,026,236.00 2,018,065.00 1,880,582.00 1,800,636.00 1,700,705.00
      Cash and Short-Term Investments 416,513.00 184,984.00 394,951.00 465,665.00 189,571.00 144,582.00 120,241.00 378,116.00 114,143.00 47,072.00 38,967.00 56,732.00 164,528.00 404,280.00 572,281.00 584,985.00 312,236.00 238,572.00 228,468.00 188,312.00
            Cash and Cash Equivalents 416,513.00 184,984.00 389,006.00 459,851.00 183,621.00 138,883.00 114,560.00 372,413.00 108,709.00 45,827.00 37,709.00 55,499.00 163,306.00 403,009.00 570,976.00 583,613.00 310,852.00 237,188.00 227,086.00 186,917.00
            Short-Term Investments 0 0 5,945.00 5,814.00 5,950.00 5,699.00 5,681.00 5,703.00 5,434.00 1,245.00 1,258.00 1,233.00 1,222.00 1,271.00 1,305.00 1,372.00 1,384.00 1,384.00 1,382.00 1,395.00
      Net Receivables 20,408.00 19,821.00 20,555.00 19,570.00 19,992.00 19,641.00 19,541.00 19,217.00 15,683.00 8,778.00 8,218.00 9,384.00 7,440.00 7,087.00 7,264.00 6,719.00 5,037.00 15,088.00 14,313.00 13,888.00
      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 91,708.00 92,478.00 93,401.00 93,191.00 93,047.00 93,938.00 95,237.00 94,873.00 93,890.00 60,113.00 59,860.00 61,117.00 62,016.00 62,223.00 62,229.00 62,994.00 32,523.00 30,929.00 32,537.00 29,719.00
      Goodwill 63,266.00 63,266.00 63,266.00 63,266.00 63,266.00 63,266.00 63,266.00 63,266.00 63,266.00 63,266.00 63,266.00 63,266.00 63,281.00 63,281.00 63,281.00 63,421.00 17,518.00 17,518.00 17,518.00 17,518.00
      Intangible Assets 31,722.00 33,761.00 36,033.00 38,311.00 40,609.00 42,945.00 45,515.00 48,090.00 50,685.00 4,671.00 5,106.00 5,547.00 6,007.00 6,507.00 7,018.00 7,535.00 1,365.00 1,473.00 1,593.00 1,719.00
      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 30,328.00 30,972.00 31,428.00 31,857.00 32,191.00 36,078.00 38,978.00 40,707.00 48,699.00 0 0 345.00 0 0 0 253.00 0 0 0 367.00
      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 5,701,272.00 5,472,680.00 5,624,093.00 5,689,697.00 5,384,433.00 5,341,234.00 5,310,476.00 5,499,783.00 5,203,794.00 3,278,491.00 3,192,056.00 3,112,991.00 3,089,583.00 3,089,773.00 3,142,633.00 3,109,443.00 2,059,167.00 1,921,578.00 1,843,527.00 1,738,296.00
      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 577,207.00 565,194.00 552,470.00 541,066.00 533,271.00 522,783.00 515,228.00 511,135.00 504,931.00 363,140.00 361,638.00 364,285.00 357,221.00 352,777.00 351,864.00 350,693.00 201,607.00 198,682.00 196,104.00 195,019.00
   Shareholders Equity 577,207.00 565,194.00 552,470.00 541,066.00 533,271.00 522,783.00 515,228.00 511,135.00 504,931.00 363,140.00 361,638.00 364,285.00 357,221.00 352,777.00 351,864.00 350,693.00 201,607.00 198,682.00 196,104.00 195,019.00
      Capital Stock 334.00 334.00 333.00 333.00 333.00 333.00 332.00 332.00 331.00 199.00 199.00 199.00 199.00 198.00 198.00 198.00 118.00 118.00 118.00 118.00
      Share Premium 359,939.00 359,063.00 358,572.00 358,112.00 357,580.00 356,994.00 356,464.00 356,007.00 355,575.00 202,008.00 201,736.00 201,494.00 201,213.00 200,914.00 200,640.00 200,473.00 51,641.00 51,544.00 51,445.00 52,167.00
      Retained Earnings 221,693.00 211,400.00 199,898.00 190,166.00 180,884.00 173,716.00 166,490.00 162,290.00 159,134.00 169,494.00 167,864.00 171,613.00 165,590.00 158,316.00 153,198.00 149,966.00 149,620.00 146,414.00 143,794.00 141,205.00
      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 -4,759.00 -5,603.00 -6,333.00 -7,545.00 -5,526.00 -8,260.00 -8,058.00 -7,494.00 -10,109.00 -8,561.00 -8,161.00 -9,021.00 -9,781.00 -6,651.00 -2,172.00 56.00 228.00 606.00 747.00 1,529.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 6,113.00 6,010.00 5,945.00 5,814.00 5,950.00 5,699.00 5,681.00 5,703.00 5,434.00 1,245.00 1,258.00 1,233.00 1,222.00 1,271.00 1,305.00 1,372.00 1,384.00 1,384.00 251,414.00 206,669.00
Debt 85,889.00 85,782.00 86,162.00 85,561.00 85,272.00 85,009.00 85,111.00 85,154.00 85,117.00 52,619.00 52,792.00 52,980.00 53,018.00 53,133.00 53,237.00 54,329.00 30,207.00 30,247.00 31,789.00 29,303.00
Net Debt 0 0 0 0 0 0 0 0 0 5,547.00 13,825.00 0 0 0 0 0 0 0 0 0
Common Shares Outstanding 33,421.67 33,374.26 33,374.26 33,332.18 33,326.77 33,214.52 33,210.52 33,161.53 33,136.18 19,907.29 19,898.39 19,849.56 19,849.56 19,849.56 19,843.38 19,807.53 11,752.44 11,751.86 11,751.86 11,783.38
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 15,479.00 10,347.00 4,640.00 -8,461.00 14,701.00 9,961.00 4,709.00 -6,002.00 13,450.00 7,099.00 3,788.00 -8,056.00 11,862.00 7,840.00 3,694.00 -3,715.00 7,562.00 4,905.00 2,255.00
Cost Of Revenue 5,548.00 2,556.00 1,028.00 -2,115.00 3,958.00 2,488.00 407.00 -2,504.00 30,364.00 1,880.00 1,213.00 -950.00 1,475.00 800.00 600.00 -2,507.00 1,365.00 1,075.00 425.00
Interest Income 229,871.00 152,684.00 76,063.00 -141,980.00 218,934.00 146,245.00 72,139.00 -31,621.00 150,143.00 71,695.00 35,062.00 -43,039.00 81,566.00 50,994.00 24,324.00 -23,822.00 47,773.00 30,874.00 15,344.00
Interest Expense 87,935.00 59,403.00 30,034.00 -52,813.00 92,396.00 60,970.00 30,004.00 1,130.00 49,161.00 23,537.00 9,398.00 -504.00 7,207.00 3,946.00 1,894.00 -2,759.00 4,282.00 2,972.00 1,544.00
Net Interest 141,936.00 93,281.00 46,029.00 -80,399.00 126,538.00 83,275.00 41,135.00 -32,297.00 93,782.00 48,158.00 25,664.00 -42,535.00 74,359.00 47,048.00 22,430.00 -21,063.00 43,491.00 27,902.00 13,800.00
Non-Interest Income 24,021.00 16,320.00 7,003.00 -13,621.00 22,294.00 15,607.00 6,867.00 -11,469.00 29,766.00 10,628.00 5,334.00 -12,063.00 17,224.00 11,879.00 6,046.00 -2,888.00 8,369.00 5,460.00 2,557.00
Non-Interest Expense 102,536.00 68,157.00 33,747.00 -72,952.00 104,311.00 70,197.00 36,698.00 -29,726.00 89,661.00 42,501.00 20,893.00 -39,759.00 59,323.00 40,426.00 20,332.00 -8,376.00 33,309.00 21,374.00 10,499.00
Provisions for Credit Losses 5,548.00 2,556.00 1,028.00 -2,115.00 3,958.00 2,488.00 407.00 -2,504.00 30,364.00 1,880.00 1,213.00 -950.00 1,475.00 800.00 600.00 -3,223.00 1,365.00 1,075.00 425.00
Gross Profit 9,931.00 7,791.00 3,612.00 -6,346.00 10,743.00 7,473.00 4,302.00 -3,498.00 -16,914.00 5,219.00 2,575.00 -7,106.00 10,387.00 7,040.00 3,094.00 -1,208.00 6,197.00 3,830.00 1,830.00
   Selling, General and Administrative Expenses 74,905.00 48,702.00 23,669.00 -41,685.00 65,527.00 43,540.00 21,232.00 -23,475.00 52,275.00 29,755.00 15,022.00 -29,871.00 43,726.00 29,718.00 15,398.00 -10,848.00 24,427.00 15,669.00 7,927.00
EBT 57,873.00 38,888.00 18,257.00 -18,053.00 40,563.00 25,597.00 10,597.00 -12,144.00 3,031.00 14,405.00 8,892.00 -13,889.00 30,785.00 17,701.00 7,544.00 -12,352.00 17,186.00 10,913.00 5,433.00
Income Tax 14,254.00 9,617.00 4,493.00 -5,411.00 9,956.00 6,179.00 2,413.00 -6,026.00 1,060.00 3,930.00 2,435.00 -3,572.00 8,016.00 4,589.00 1,931.00 -3,048.00 4,541.00 2,884.00 1,435.00
Net Income 43,619.00 29,271.00 13,764.00 -14,320.00 30,607.00 19,418.00 8,184.00 -9,795.00 4,091.00 10,475.00 6,457.00 -10,317.00 22,769.00 13,112.00 5,613.00 -9,304.00 12,645.00 8,029.00 3,998.00
EBIT 145,808.00 98,291.00 48,291.00 -70,866.00 132,959.00 86,567.00 40,601.00 -11,014.00 52,192.00 37,942.00 18,290.00 -14,393.00 37,992.00 21,647.00 9,438.00 -15,111.00 21,468.00 13,885.00 6,977.00
Deprecation and Amortization 11,649.00 8,062.00 4,041.00 -8,992.00 12,662.00 8,860.00 4,056.00 760.00 6,123.00 2,084.00 1,134.00 -1,909.00 3,132.00 2,120.00 1,104.00 -248.00 903.00 590.00 321.00
EBITDA 157,457.00 106,353.00 52,332.00 -79,858.00 145,621.00 95,427.00 44,657.00 -10,254.00 58,315.00 40,026.00 19,424.00 -16,302.00 41,124.00 23,767.00 10,542.00 -15,359.00 22,371.00 14,475.00 7,298.00
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 0 0
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 0 0
Average Shares Outstanding Basic 33,419.29 33,374.26 33,351.00 33,327.00 33,318.00 33,234.00 33,189.00 73,119.21 33,129.00 19.90 19.89 39,669.17 19,852.00 19,847.00 19.83 52,440.75 11.75 11.75 11.74
Average Shares Outstanding Diluted 33,435.86 33,388.01 33,375.00 33,376.00 33,339.00 33,234.00 33,191.00 73,127.21 33,129.00 19.90 19.89 6,622.28 0 19,847.00 19.83 52,440.75 11.75 11.75 11.75
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
Operating Cash Flow 53,913.00 11,446.00 19,783.00 24,614.00 14,468.00 5,418.00 2,387.00 14,199.00 -13,356.00 10,650.00 11,220.00 -65,664.00 50,061.00 43,051.00 25,199.00 -37,515.00 15,576.00 10,540.00 3,896.00
   Operating Net Income 43,619.00 29,271.00 13,764.00 -14,320.00 30,607.00 19,418.00 8,184.00 -9,795.00 4,091.00 10,475.00 6,457.00 -10,317.00 22,769.00 13,112.00 5,613.00 -9,304.00 12,645.00 8,029.00 3,998.00
   Deprecation and Amortization 11,649.00 8,062.00 4,041.00 -8,992.00 12,662.00 8,860.00 4,056.00 760.00 6,123.00 2,084.00 1,134.00 -1,909.00 3,132.00 2,120.00 1,104.00 -248.00 903.00 590.00 321.00
   Deferred Income Tax 0 0 0 8,870.00 0 0 0 2,721.00 0 0 0 -1,182.00 0 0 0 278.00 0 0 0
   Share Based Compensation 1,357.00 970.00 511.00 -640.00 1,252.00 764.00 354.00 -159.00 853.00 325.00 155.00 -273.00 477.00 302.00 130.00 -202.00 287.00 196.00 97.00
   Change in Working Capital 14,218.00 -3,420.00 983.00 -3,182.00 -1,723.00 -3,457.00 183.00 16,643.00 -12,136.00 3,042.00 2,492.00 7,608.00 -3,222.00 -3,133.00 -2,679.00 1,764.00 -465.00 254.00 1,272.00
   Other Operating Activities -16,930.00 -23,437.00 484.00 42,878.00 -28,330.00 -20,167.00 -10,390.00 4,029.00 -12,287.00 -5,276.00 982.00 -59,591.00 26,905.00 30,650.00 21,031.00 -29,803.00 2,206.00 1,471.00 -1,792.00
Investing Cash Flow -83,940.00 -63,129.00 -18,271.00 73,863.00 -80,096.00 -74,157.00 -54,151.00 238,554.00 216,534.00 -179,653.00 -103,122.00 144,154.00 -448,810.00 -203,218.00 -73,698.00 446,962.00 -206,454.00 -138,409.00 -63,906.00
   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 2,491.00 1,905.00 1,024.00 -3,877.00 3,969.00 3,359.00 1,773.00 -87.00 3,654.00 1,768.00 619.00 -2,536.00 2,274.00 1,720.00 974.00 -1,415.00 3,106.00 1,048.00 711.00
   Net Purchase/Sale of Investments Net 120,271.00 87,217.00 47,156.00 -245,889.00 269,122.00 208,295.00 84,517.00 -35,433.00 535,904.00 65,769.00 32,165.00 -138,735.00 270,929.00 120,995.00 38,231.00 -179,654.00 275,670.00 163,768.00 77,114.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 305,781.00 0 0 0
   Net Loan & Lease Activity 123,277.00 325,894.00 426,973.00 79,771.00 205,901.00
   Other Investing Activities -311,070.00 -201,424.00 -68,707.00 350,388.00 -437,767.00 -345,283.00 -146,425.00 562,684.00 -629,634.00 -443,403.00 -247,587.00 344,474.00 -1,002,887.00 -469,880.00 -174,104.00 308,488.00 -525,667.00 -321,381.00 -149,147.00
Financing Cash Flow -13,311.00 -223,184.00 -72,357.00 669,136.00 -123,164.00 -164,791.00 -206,089.00 38,413.00 -149,968.00 159,331.00 74,112.00 6,944.00 -21,558.00 -20,437.00 35,862.00 -227,126.00 314,813.00 178,140.00 100,179.00
   Net Issuance/Repayment of Debt 0 0 0 -81,000.00 50,000.00 81,000.00 0 -327,500.00 -109,000.00 236,000.00 91,500.00 58,286.00 -4,143.00 -4,143.00 -4,143.00 -3,666.00 2,451.00 1,857.00 2,451.00
   Net Issuance/Repurchase of Equity 0 0 0 0 0 0 0 0 0 0 0 386.00 0 0 0 0.00 6.00 0 0
   Dividends Paid 12,092.00 8,037.00 4,032.00 -7,976.00 12,013.00 7,992.00 3,984.00 -3,183.00 8,752.00 4,776.00 2,388.00 -4,759.00 7,146.00 4,762.00 2,381.00 -1,852.00 4,230.00 2,820.00 1,409.00
   Other Financing Activities -25,403.00 -231,221.00 -76,389.00 758,112.00 -185,177.00 -253,783.00 -210,073.00 369,096.00 -49,720.00 -81,445.00 -19,776.00 -46,969.00 -24,561.00 -21,056.00 37,624.00 -221,608.00 308,126.00 173,463.00 96,319.00
Net Change in Cash -43,338.00 -274,867.00 -70,845.00 767,613.00 -188,792.00 -233,530.00 -257,853.00 291,166.00 53,210.00 -9,672.00 -17,790.00 85,434.00 -420,307.00 -180,604.00 -12,637.00 182,321.00 123,935.00 50,271.00 40,169.00
   Cash at Beginning of Period 459,851.00 459,851.00 459,851.00 -307,762.00 372,413.00 372,413.00 372,413.00 81,247.00 55,499.00 55,499.00 55,499.00 -29,935.00 583,613.00 583,613.00 583,613.00 401,292.00 186,917.00 186,917.00 186,917.00
   Cash at End of Period 416,513.00 184,984.00 389,006.00 459,851.00 183,621.00 138,883.00 114,560.00 372,413.00 108,709.00 45,827.00 37,709.00 55,499.00 163,306.00 403,009.00 570,976.00 583,613.00 310,852.00 237,188.00 227,086.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0