TCBI
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 60.62 | 18.05 | 9.65 | 12.96 | 53.13 |
| Price to Sales | |||||
| Book Value Per Common Share | 212.53 | 191.65 | 172.88 | 190.14 | 170.62 |
| Price to Book | 0.37 | 0.34 | 0.35 | 0.32 | 0.35 |
| Price to Operating Cash Flow | 7.14 | 7.49 | 21.47 | 4.66 | 1.14 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 35925.45 | 30254.00 | 39765.35 | 54885.92 | 82080.55 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 17.91 | 31.51 | 80.32 | -510.43 | 48.52 | 133.80 | 18.18 | 25.12 | 68.96 | 29.08 | 40.81 | 81.87 | 17.40 | 23.69 | 52.53 |
| Price to Sales | |||||||||||||||
| Book Value Per Common Share | 156.74 | 150.30 | 145.77 | 140.98 | 127.51 | 126.09 | 117.29 | 118.83 | 119.87 | 105.65 | 113.78 | 60.99 | 62.21 | 61.58 | 62.55 |
| Price to Book | 0.54 | 0.53 | 0.51 | 0.51 | 0.48 | 0.49 | 0.50 | 0.43 | 0.41 | 0.56 | 0.46 | 0.94 | 0.96 | 1.03 | 1.13 |
| Price to Operating Cash Flow | 16.88 | 57.59 | 9337.50 | 7.21 | 22.16 | 30.37 | 15.25 | 27.36 | 129.80 | 13.93 | 18.13 | 39.82 | 5.56 | 7.32 | 18.05 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA | 42941.65 | 64726.25 | 132037.71 | 49575.13 | 54520.09 | 117238.07 | 37063.59 | 51729.00 | 112940.13 | 89336.26 | 144293.05 | 328738.06 | 76477.25 | 108752.58 | 239956.48 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -63.97 | -42.72 | 34.41 | 315.18 | |
| Revenue YoY | |||||
| EBITDA YoY | -1.28 | 34.15 | 37.84 | 51.90 | |
| Net Profit YoY | -59.02 | -43.11 | 30.93 | 283.08 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 87.30 | 170.97 | 173.91 | 58.05 | 188.73 | 354900.00 | 57.36 | 84.29 | 28.73 | 98.52 | |||||
| Revenue YoY | |||||||||||||||
| EBITDA YoY | 60.18 | 116.05 | 27.84 | 112.01 | 59.62 | 129.20 | 31.50 | 81.28 | 108.42 | 34.48 | 97.82 | ||||
| Net Profit YoY | 84.59 | 164.36 | -90.44 | 159.37 | 57.48 | 177.57 | -62.75 | 56.12 | 86.15 | 29.84 | 102.14 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 76.57 | 72.87 | 102.70 | 157.11 | 182.56 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 4.16 | 4.03 | 4.25 | 5.00 | 6.12 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 73.05 | 66.43 | 90.41 | 97.78 | 69.99 | 77.91 | 91.25 | 62.63 | 79.01 | 74.69 | 87.59 | 109.24 | 168.67 | 137.82 | 226.24 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 7.95 | 8.10 | 8.15 | 8.43 | 8.40 | 8.20 | 8.63 | 8.40 | 8.28 | 9.54 | 9.76 | 9.06 | 10.57 | 10.31 | 11.68 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.22 | 0.59 | 1.04 | 0.66 | 0.16 |
| ROE | 1.16 | 2.97 | 5.46 | 3.96 | 1.16 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.71 | 0.39 | 0.15 | 0.02 | 0.23 | 0.09 | 0.57 | 0.37 | 0.14 | 0.38 | 0.23 | 0.13 | 0.52 | 0.41 | 0.18 |
| ROE | 6.31 | 3.54 | 1.37 | 0.19 | 2.14 | 0.82 | 5.49 | 3.48 | 1.26 | 3.99 | 2.45 | 1.28 | 6.00 | 4.67 | 2.28 |
| Gross Margin | |||||||||||||||
| Operating Margin | |||||||||||||||
| EBITDA Margin | |||||||||||||||
| Net Profit Margin |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Dividend Yield | |||||
| Dividend Payout Ratio |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | |||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 34,610,031.00 | 32,038,827.00 | 31,937,581.00 | 38,417,754.00 | 40,811,462.00 |
| Deposits | 25,238,599.00 | 22,371,839.00 | 22,856,880.00 | 28,109,365.00 | 30,996,589.00 |
| Cash and Short-Term Investments | 3,565,113.00 | 3,501,975.00 | 5,182,040.00 | 7,946,659.00 | 9,206,380.00 |
| Cash and Cash Equivalents | 3,188,808.00 | 3,242,850.00 | 5,012,260.00 | 7,946,659.00 | 9,206,380.00 |
| Short-Term Investments | 376,305.00 | 259,125.00 | 169,780.00 | 0 | 0 |
| Net Receivables | 0 | 44,105.00 | 36,357.00 | 8,123.00 | 283,165.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 251,637.00 | 120,176.00 | 106,271.00 | 76,231.00 | 91,546.00 |
| Goodwill | 1,500.00 | 1,500.00 | 1,496.00 | 15,094.00 | 15,094.00 |
| Intangible Assets | 0 | 0 | 0 | 9,006.00 | 9,006.00 |
| 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 | 27,899,626.00 | 25,666,010.00 | 25,850,799.00 | 32,010,106.00 | 35,078,414.00 |
| 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 | 6,710,405.00 | 6,372,817.00 | 6,086,782.00 | 6,407,648.00 | 5,733,048.00 |
| Shareholders Equity | 9,895,234.00 | 9,209,955.00 | 8,723,190.00 | 9,617,264.00 | 8,604,272.00 |
| Capital Stock | 601,030.00 | 601,022.00 | 601,018.00 | 601,012.00 | 301,008.00 |
| Share Premium | 1,056,719.00 | 1,045,576.00 | 1,025,593.00 | 2,027,270.00 | 1,993,948.00 |
| Retained Earnings | 4,965,835.00 | 4,845,319.00 | 4,503,084.00 | 3,874,812.00 | 3,406,560.00 |
| Treasury Shares | 301,842.00 | 220,334.00 | 115,310.00 | 8.00 | 8.00 |
| Accumulated Other Comprehensive Income | -183,107.00 | -362,004.00 | -418,943.00 | -47,715.00 | 15,774.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 4,811,103.00 | 4,421,164.00 | 3,754,894.00 | 3,583,808.00 | 3,196,970.00 |
| Debt | 3,051,747.00 | 3,806,103.00 | 4,111,070.00 | 3,294,196.00 | 1,305,718.00 |
| Net Debt | 0 | 304,128.00 | 0 | 0 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 67,000.00 | 72,000.00 | 127,500.00 | 30,000.00 | 258,000.00 |
| Interest Income | 1,877,769.00 | 1,738,217.00 | 1,207,416.00 | 919,405.00 | 1,074,387.00 |
| Interest Expense | 852,175.00 | 739,514.00 | 288,200.00 | 123,694.00 | 198,601.00 |
| Net Interest | 901,300.00 | 914,123.00 | 875,758.00 | 768,837.00 | 868,826.00 |
| Non-Interest Income | 31,046.00 | 161,419.00 | 349,529.00 | 138,230.00 | 185,516.00 |
| Non-Interest Expense | 758,285.00 | 756,947.00 | 727,532.00 | 599,012.00 | 704,396.00 |
| Provisions for Credit Losses | 67,000.00 | 72,000.00 | 127,500.00 | -30,000.00 | 258,000.00 |
| Selling, General and Administrative Expenses | 216,488.00 | 212,038.00 | 223,304.00 | 161,378.00 | 216,960.00 |
| EBT | 107,061.00 | 246,595.00 | 431,755.00 | 338,055.00 | 91,946.00 |
| Income Tax | 21,451.00 | 52,917.00 | 96,995.00 | 86,295.00 | 24,522.00 |
| Net Income | 77,508.00 | 189,141.00 | 332,478.00 | 253,939.00 | 66,289.00 |
| EBIT | 959,236.00 | 986,109.00 | 719,955.00 | 461,749.00 | 290,547.00 |
| Deprecation and Amortization | 54,228.00 | 40,473.00 | 45,284.00 | 93,406.00 | 74,925.00 |
| EBITDA | 1,013,464.00 | 1,026,582.00 | 765,239.00 | 555,155.00 | 365,472.00 |
| EPS | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 46,559.67 | 48,054.93 | 50,457.75 | 50,580.66 | 50,430.33 |
| Average Shares Outstanding Diluted | 46,989.20 | 48,610.21 | 51,046.74 | 51,140.97 | 50,582.98 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 510,092.00 | 414,461.00 | 141,747.00 | 653,598.00 | 2,634,615.00 |
| Operating Net Income | 232,524.00 | 565,876.00 | 995,250.00 | 759,633.00 | 196,683.00 |
| Deprecation and Amortization | 54,228.00 | 40,473.00 | 45,284.00 | 93,406.00 | 74,925.00 |
| Deferred Income Tax | -16,086.00 | -17,784.00 | -17,395.00 | -20,253.00 | -7,964.00 |
| Share Based Compensation | 24,693.00 | 24,200.00 | 21,432.00 | 31,326.00 | 17,441.00 |
| Change in Working Capital | 40,284.00 | 87,743.00 | 33,181.00 | -220,170.00 | -4,441.00 |
| Other Operating Activities | 174,449.00 | -286,047.00 | -936,005.00 | 9,656.00 | 2,357,971.00 |
| Investing Cash Flow | -2,496,543.00 | -1,613,815.00 | 3,258,567.00 | 1,240,286.00 | -2,932,317.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 64,841.00 | 16,381.00 | 11,270.00 | 4,127.00 | 2,796.00 |
| Net Purchase/Sale of Investments Net | 3,129,044.00 | 980,084.00 | 1,019,813.00 | 1,059,897.00 | 3,001,746.00 |
| Net Purchase/Sale of Business | 0 | 0 | 3,324,159.00 | 0 | 0 |
| Net Loan & Lease Activity | 928,967.00 | 1,342,840.00 | 3,001,340.00 | -7,076.00 | -926,176.00 |
| Other Investing Activities | -6,619,395.00 | -3,953,120.00 | -4,098,015.00 | 183,338.00 | -5,010,683.00 |
| Financing Cash Flow | 1,836,114.00 | -514,161.00 | -6,527,697.00 | -2,772,316.00 | 5,064,509.00 |
| Net Issuance/Repayment of Debt | -415,000.00 | 373,858.00 | -1,001,690.00 | 540,984.00 | 630,015.00 |
| Net Issuance/Repurchase of Equity | 81,508.00 | 105,024.00 | 115,302.00 | 879,446.00 | 0 |
| Dividends Paid | 17,250.00 | 17,250.00 | 17,250.00 | 18,721.00 | 9,750.00 |
| Other Financing Activities | 2,152,356.00 | -1,010,293.00 | -5,658,559.00 | -4,211,467.00 | 4,424,744.00 |
| Net Change in Cash | -150,337.00 | -1,713,515.00 | -3,127,383.00 | -1,259,721.00 | 4,780,797.00 |
| Cash at Beginning of Period | 3,339,145.00 | 4,956,365.00 | 8,139,643.00 | 9,206,380.00 | 4,425,583.00 |
| Cash at End of Period | 3,188,808.00 | 3,242,850.00 | 5,012,260.00 | 7,946,659.00 | 9,206,380.00 |
| 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 | 32,536,980.00 | 31,943,535.00 | 31,375,749.00 | 34,610,031.00 | 31,629,299.00 | 29,854,994.00 | 29,180,585.00 | 32,038,827.00 | 29,628,249.00 | 28,976,544.00 | 28,596,653.00 | 31,937,581.00 | 30,408,513.00 | 32,338,963.00 | 31,085,377.00 | 38,417,754.00 | 36,404,320.00 | 35,228,542.00 | 40,054,433.00 | 40,811,462.00 |
| Deposits | 27,505,398.00 | 26,064,309.00 | 26,053,034.00 | 25,238,599.00 | 25,865,255.00 | 23,818,327.00 | 23,954,037.00 | 22,371,839.00 | 23,878,978.00 | 23,318,240.00 | 22,179,697.00 | 22,856,880.00 | 24,498,563.00 | 25,440,021.00 | 25,377,938.00 | 28,109,365.00 | 29,813,668.00 | 28,839,563.00 | 33,391,970.00 | 30,996,589.00 |
| Cash and Short-Term Investments | 3,351,190.00 | 3,053,042.00 | 4,169,908.00 | 3,565,113.00 | 4,563,715.00 | 3,284,239.00 | 3,683,577.00 | 3,501,975.00 | 4,395,276.00 | 3,016,745.00 | 3,813,275.00 | 5,182,040.00 | 3,772,139.00 | 4,419,828.00 | 5,534,833.00 | 7,946,659.00 | 8,535,051.00 | 6,971,199.00 | 11,428,111.00 | 9,206,380.00 |
| Cash and Cash Equivalents | 3,064,825.00 | 2,690,142.00 | 3,802,473.00 | 3,188,808.00 | 4,191,585.00 | 2,913,079.00 | 3,316,142.00 | 3,242,850.00 | 4,192,776.00 | 2,847,445.00 | 3,649,705.00 | 5,012,260.00 | 3,640,247.00 | 4,275,356.00 | 5,371,533.00 | 7,946,659.00 | 8,535,051.00 | 6,971,199.00 | 11,428,111.00 | 9,206,380.00 |
| Short-Term Investments | 286,365.00 | 362,900.00 | 367,435.00 | 376,305.00 | 372,130.00 | 371,160.00 | 367,435.00 | 259,125.00 | 202,500.00 | 169,300.00 | 163,570.00 | 169,780.00 | 131,892.00 | 144,472.00 | 163,300.00 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 107,600.00 | 101,900.00 | 0 | 0 | 9,022.00 | 36,785.00 | 37,750.00 | 44,105.00 | 155,073.00 | 29,097.00 | 27,608.00 | 36,357.00 | 3,142,178.00 | 24,075,905.00 | 21,904,720.00 | 8,123.00 | 23,981,334.00 | 24,226,622.00 | 24,827,025.00 | 283,165.00 |
| 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 | 88,348.00 | 86,831.00 | 84,575.00 | 251,637.00 | 81,577.00 | 69,464.00 | 49,899.00 | 120,176.00 | 31,050.00 | 26,096.00 | 25,268.00 | 106,271.00 | 27,180.00 | 28,722.00 | 24,181.00 | 76,231.00 | 21,119.00 | 21,969.00 | 23,346.00 | 91,546.00 |
| Goodwill | 0 | 0 | 0 | 1,500.00 | 0 | 0 | 0 | 1,500.00 | 0 | 0 | 0 | 1,496.00 | 0 | 0 | 0 | 15,094.00 | 0 | 0 | 0 | 15,094.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9,006.00 | 0 | 0 | 0 | 9,006.00 |
| 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 | 28,899,882.00 | 28,433,465.00 | 27,945,975.00 | 27,899,626.00 | 28,275,255.00 | 26,679,393.00 | 26,009,923.00 | 25,666,010.00 | 26,550,549.00 | 25,894,617.00 | 25,516,679.00 | 25,850,799.00 | 27,522,738.00 | 29,332,131.00 | 27,995,339.00 | 32,010,106.00 | 33,256,568.00 | 32,113,585.00 | 36,894,951.00 | 35,078,414.00 |
| 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 | 3,637,098.00 | 3,510,070.00 | 3,429,774.00 | 6,710,405.00 | 3,354,044.00 | 3,175,601.00 | 3,170,662.00 | 6,372,817.00 | 3,077,700.00 | 3,081,927.00 | 3,079,974.00 | 6,086,782.00 | 2,885,775.00 | 3,006,832.00 | 3,090,038.00 | 6,407,648.00 | 3,147,752.00 | 3,114,957.00 | 3,159,482.00 | 5,733,048.00 |
| Shareholders Equity | 7,189,972.00 | 6,907,209.00 | 6,723,386.00 | 9,895,234.00 | 6,579,931.00 | 5,983,470.00 | 5,961,438.00 | 9,209,955.00 | 5,649,488.00 | 5,723,546.00 | 5,785,186.00 | 8,723,190.00 | 5,336,131.00 | 5,741,456.00 | 3,090,038.00 | 9,617,264.00 | 3,147,752.00 | 3,114,957.00 | 3,159,482.00 | 8,604,272.00 |
| Capital Stock | 300,518.00 | 300,517.00 | 300,517.00 | 601,030.00 | 300,515.00 | 300,515.00 | 300,514.00 | 601,022.00 | 300,511.00 | 300,511.00 | 300,509.00 | 601,018.00 | 300,509.00 | 300,508.00 | 300,507.00 | 601,012.00 | 300,506.00 | 300,506.00 | 450,505.00 | 301,008.00 |
| Share Premium | 1,069,582.00 | 1,065,083.00 | 1,060,028.00 | 1,056,719.00 | 1,054,614.00 | 1,050,114.00 | 1,044,669.00 | 1,045,576.00 | 1,039,074.00 | 1,035,063.00 | 1,031,905.00 | 1,025,593.00 | 1,020,153.00 | 1,015,105.00 | 1,011,353.00 | 2,027,270.00 | 1,000,509.00 | 992,469.00 | 984,207.00 | 1,993,948.00 |
| Retained Earnings | 2,712,298.00 | 2,611,401.00 | 2,538,385.00 | 4,965,835.00 | 2,428,940.00 | 2,494,572.00 | 2,457,222.00 | 4,845,319.00 | 2,419,555.00 | 2,362,189.00 | 2,297,850.00 | 4,503,084.00 | 2,050,563.00 | 2,013,458.00 | 1,983,611.00 | 3,874,812.00 | 1,887,457.00 | 1,848,379.00 | 1,781,215.00 | 3,406,560.00 |
| Treasury Shares | 361,076.00 | 354,000.00 | 332,994.00 | 301,842.00 | 301,868.00 | 301,868.00 | 251,857.00 | 220,334.00 | 175,528.00 | 175,528.00 | 175,528.00 | 115,310.00 | 50,031.00 | 50,031.00 | 8.00 | 8.00 | 8.00 | 8.00 | 8.00 | 8.00 |
| Accumulated Other Comprehensive Income | -84,224.00 | -112,931.00 | -136,162.00 | -183,107.00 | -128,157.00 | -367,732.00 | -379,886.00 | -362,004.00 | -505,912.00 | -440,308.00 | -374,762.00 | -418,943.00 | -435,419.00 | -272,208.00 | -205,425.00 | -47,715.00 | -40,712.00 | -26,389.00 | -56,437.00 | 15,774.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 4,888,019.00 | 4,971,528.00 | 4,898,654.00 | 4,811,103.00 | 4,777,650.00 | 4,760,136.00 | 4,781,715.00 | 4,421,164.00 | 4,272,217.00 | 4,395,953.00 | 4,509,539.00 | 3,754,894.00 | 3,501,514.00 | 26,187,992.00 | 26,920,939.00 | 3,583,808.00 | 3,663,874.00 | 3,798,275.00 | 3,443,058.00 | 3,196,970.00 |
| Debt | 2,425,456.00 | 2,420,774.00 | 2,578,690.00 | 3,051,747.00 | 2,569,896.00 | 2,542,262.00 | 3,317,426.00 | 3,806,103.00 | 3,294,494.00 | 3,252,034.00 | 3,597,296.00 | 4,111,070.00 | 3,608,216.00 | 3,598,712.00 | 3,686,184.00 | 3,294,196.00 | 2,809,983.00 | 2,920,970.00 | 2,116,338.00 | 1,305,718.00 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 304,128.00 | 0 | 235,289.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cost Of Revenue | 44,000.00 | 32,000.00 | 17,000.00 | -40,000.00 | 49,000.00 | 39,000.00 | 19,000.00 | -83,400.00 | 53,000.00 | 47,000.00 | 55,400.00 | 73,500.00 | 32,000.00 | 20,000.00 | 2,000.00 | -21,000.00 | 20,000.00 | 25,000.00 | 6,000.00 |
| Interest Income | 1,469,423.00 | 959,412.00 | 473,854.00 | -873,023.00 | 1,396,096.00 | 905,174.00 | 449,522.00 | -804,784.00 | 1,292,691.00 | 839,852.00 | 410,458.00 | -321,181.00 | 819,919.00 | 482,846.00 | 225,832.00 | -496,691.00 | 704,090.00 | 473,707.00 | 238,299.00 |
| Interest Expense | 566,271.00 | 377,427.00 | 191,255.00 | -378,335.00 | 620,286.00 | 407,855.00 | 202,369.00 | -243,499.00 | 513,445.00 | 319,747.00 | 149,821.00 | 56,624.00 | 144,792.00 | 61,801.00 | 24,983.00 | -42,368.00 | 81,888.00 | 55,835.00 | 28,339.00 |
| Net Interest | 761,200.00 | 489,429.00 | 236,034.00 | -416,993.00 | 671,693.00 | 431,591.00 | 215,009.00 | -487,963.00 | 699,406.00 | 467,335.00 | 235,345.00 | -325,025.00 | 628,158.00 | 389,078.00 | 183,547.00 | -419,465.00 | 591,162.00 | 397,067.00 | 200,073.00 |
| Non-Interest Income | 167,096.00 | 98,513.00 | 44,444.00 | -78,988.00 | -23,028.00 | 91,743.00 | 41,319.00 | -89,684.00 | 130,286.00 | 83,414.00 | 37,403.00 | 210,866.00 | 71,857.00 | 46,524.00 | 20,282.00 | -60,470.00 | 90,414.00 | 69,194.00 | 39,092.00 |
| Non-Interest Expense | 583,871.00 | 393,296.00 | 203,020.00 | -421,036.00 | 586,126.00 | 390,802.00 | 202,393.00 | -368,313.00 | 555,562.00 | 375,671.00 | 194,027.00 | -257,397.00 | 514,442.00 | 317,395.00 | 153,092.00 | -303,043.00 | 452,363.00 | 299,376.00 | 150,316.00 |
| Provisions for Credit Losses | 44,000.00 | 32,000.00 | 17,000.00 | -40,000.00 | 49,000.00 | 39,000.00 | 19,000.00 | -83,400.00 | 53,000.00 | 47,000.00 | 55,400.00 | 181,500.00 | -32,000.00 | -20,000.00 | -2,000.00 | 21,000.00 | -20,000.00 | -25,000.00 | -6,000.00 |
| Selling, General and Administrative Expenses | 157,943.00 | 105,635.00 | 54,484.00 | -98,540.00 | 158,916.00 | 103,030.00 | 53,082.00 | -96,036.00 | 154,631.00 | 102,743.00 | 50,700.00 | -34,882.00 | 136,141.00 | 83,181.00 | 38,864.00 | -57,677.00 | 117,357.00 | 67,481.00 | 34,217.00 |
| EBT | 300,425.00 | 162,646.00 | 60,458.00 | -34,945.00 | 13,539.00 | 93,532.00 | 34,935.00 | -165,334.00 | 221,130.00 | 140,078.00 | 50,721.00 | 127,238.00 | 153,573.00 | 98,207.00 | 52,737.00 | -197,892.00 | 249,213.00 | 191,885.00 | 94,849.00 |
| Income Tax | 70,840.00 | 38,271.00 | 13,411.00 | -20,124.00 | 7,054.00 | 25,728.00 | 8,793.00 | -44,048.00 | 52,139.00 | 32,766.00 | 12,060.00 | 21,164.00 | 38,346.00 | 24,398.00 | 13,087.00 | -43,486.00 | 60,404.00 | 46,466.00 | 22,911.00 |
| Net Income | 229,585.00 | 124,375.00 | 47,047.00 | -22,923.00 | 6,485.00 | 67,804.00 | 26,142.00 | -125,823.00 | 168,991.00 | 107,312.00 | 38,661.00 | 103,792.00 | 115,227.00 | 73,809.00 | 39,650.00 | -152,227.00 | 188,809.00 | 145,419.00 | 71,938.00 |
| EBIT | 866,696.00 | 540,073.00 | 251,713.00 | -413,280.00 | 633,825.00 | 501,387.00 | 237,304.00 | -408,833.00 | 734,575.00 | 459,825.00 | 200,542.00 | 183,862.00 | 298,365.00 | 160,008.00 | 77,720.00 | -240,260.00 | 331,101.00 | 247,720.00 | 123,188.00 |
| Deprecation and Amortization | 36,291.00 | 23,669.00 | 9,217.00 | -20,430.00 | 38,917.00 | 24,835.00 | 10,906.00 | -18,797.00 | 30,870.00 | 19,717.00 | 8,683.00 | -24,761.00 | 35,360.00 | 24,081.00 | 10,604.00 | -46,135.00 | 65,943.00 | 47,531.00 | 26,067.00 |
| EBITDA | 902,987.00 | 563,742.00 | 260,930.00 | -433,710.00 | 672,742.00 | 526,222.00 | 248,210.00 | -427,630.00 | 765,445.00 | 479,542.00 | 209,225.00 | 159,101.00 | 333,725.00 | 184,089.00 | 88,324.00 | -286,395.00 | 397,044.00 | 295,251.00 | 149,255.00 |
| 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 | 45,873.28 | 45,956.59 | 46,123.42 | 45,360.20 | 46,674.03 | 46,925.76 | 47,278.68 | 47,620.16 | 48,168.49 | 48,166.98 | 48,264.12 | 50,194.79 | 50,506.36 | 50,462.74 | 50,667.09 | 50,628.45 | 50,600.73 | 50,580.18 | 50,513.28 |
| Average Shares Outstanding Diluted | 46,348.24 | 46,403.12 | 46,616.70 | 45,894.58 | 47,053.72 | 47,297.33 | 47,711.19 | 48,099.69 | 48,724.03 | 48,736.38 | 48,880.72 | 50,702.66 | 51,090.51 | 51,069.77 | 51,324.03 | 51,251.74 | 51,139.56 | 51,103.09 | 51,069.51 |
| 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 | 229,660.00 | 63,365.00 | 368.00 | -177,903.00 | 462,713.00 | 129,462.00 | 95,820.00 | 119,524.00 | 186,073.00 | 90,661.00 | 18,203.00 | -291,811.00 | 214,100.00 | 146,536.00 | 72,922.00 | -529,789.00 | 546,313.00 | 438,643.00 | 198,431.00 |
| Operating Net Income | 229,585.00 | 124,375.00 | 47,047.00 | 132,093.00 | 6,485.00 | 67,804.00 | 26,142.00 | 250,912.00 | 168,991.00 | 107,312.00 | 38,661.00 | 766,564.00 | 115,227.00 | 73,809.00 | 39,650.00 | 353,467.00 | 188,809.00 | 145,419.00 | 71,938.00 |
| Deprecation and Amortization | 36,291.00 | 23,669.00 | 9,217.00 | -20,430.00 | 38,917.00 | 24,835.00 | 10,906.00 | -18,797.00 | 30,870.00 | 19,717.00 | 8,683.00 | -24,761.00 | 35,360.00 | 24,081.00 | 10,604.00 | -46,135.00 | 65,943.00 | 47,531.00 | 26,067.00 |
| Deferred Income Tax | 0 | 0 | 0 | -16,086.00 | 0 | 0 | 0 | -17,784.00 | 0 | 0 | 0 | -17,395.00 | 0 | 0 | 0 | -20,253.00 | 0 | 0 | 0 |
| Share Based Compensation | 28,614.00 | 20,377.00 | 12,750.00 | -19,804.00 | 21,208.00 | 14,755.00 | 8,534.00 | -15,693.00 | 17,948.00 | 13,507.00 | 8,438.00 | -10,759.00 | 15,991.00 | 10,612.00 | 5,588.00 | -13,038.00 | 23,192.00 | 14,804.00 | 6,368.00 |
| Change in Working Capital | -24,115.00 | 2,638.00 | -93,258.00 | -133,169.00 | 241,267.00 | 9,025.00 | -76,839.00 | 46,642.00 | 61,807.00 | -4,684.00 | -16,022.00 | 53,858.00 | 12,997.00 | 35,157.00 | -68,831.00 | 89,271.00 | -128,627.00 | -104,552.00 | -76,262.00 |
| Other Operating Activities | -40,715.00 | -107,694.00 | 24,612.00 | -120,507.00 | 154,836.00 | 13,043.00 | 127,077.00 | -125,756.00 | -93,543.00 | -45,191.00 | -21,557.00 | -1,059,318.00 | 34,525.00 | 2,877.00 | 85,911.00 | -893,101.00 | 396,996.00 | 335,441.00 | 170,320.00 |
| Investing Cash Flow | -1,890,276.00 | -1,644,610.00 | -23,625.00 | 2,333,984.00 | -2,238,735.00 | -1,781,832.00 | -809,960.00 | 4,713,669.00 | -2,073,892.00 | -2,717,816.00 | -1,535,776.00 | 4,268,323.00 | -341,189.00 | -1,534,670.00 | 866,103.00 | 1,419,742.00 | 223,015.00 | -74,669.00 | -327,802.00 |
| 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 | 12,910.00 | 7,960.00 | 2,416.00 | -54,883.00 | 57,435.00 | 42,246.00 | 20,043.00 | -2,509.00 | 12,649.00 | 4,878.00 | 1,363.00 | -11,096.00 | 10,456.00 | 9,201.00 | 2,709.00 | -932.00 | 2,619.00 | 1,516.00 | 924.00 |
| Net Purchase/Sale of Investments Net | 1,179,147.00 | 1,016,379.00 | 216,256.00 | -1,120,430.00 | 2,906,194.00 | 729,606.00 | 613,674.00 | -1,855,211.00 | 963,324.00 | 945,681.00 | 926,290.00 | -776,399.00 | 731,888.00 | 678,027.00 | 386,297.00 | -1,257,861.00 | 952,982.00 | 903,395.00 | 461,381.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,324,159.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 928,967.00 | 1,342,840.00 | 3,001,340.00 | -7,076.00 | -926,176.00 | ||||||||||||||
| Other Investing Activities | -4,018,402.00 | -3,493,164.00 | -671,845.00 | 3,742,190.00 | -5,649,280.00 | -2,933,153.00 | -1,779,152.00 | 8,274,350.00 | -4,200,520.00 | -4,726,421.00 | -3,300,529.00 | 4,126,494.00 | -3,773,697.00 | -4,410,444.00 | -40,368.00 | 2,447,491.00 | -614,420.00 | -805,485.00 | -844,248.00 |
| Financing Cash Flow | 1,536,633.00 | 1,082,579.00 | 636,922.00 | -2,998,674.00 | 2,724,757.00 | 1,322,599.00 | 787,432.00 | -2,199,854.00 | 1,068,335.00 | 462,340.00 | 155,018.00 | 3,448,946.00 | -4,179,323.00 | -2,283,169.00 | -3,514,151.00 | -1,083,606.00 | -1,440,657.00 | -2,599,155.00 | 2,351,102.00 |
| Net Issuance/Repayment of Debt | -569,565.00 | 405,435.00 | -135,000.00 | 225,000.00 | -265,000.00 | 375,000.00 | -750,000.00 | -1,022,716.00 | 273,858.00 | 223,858.00 | 898,858.00 | -1,724,841.00 | -501,352.00 | 448,704.00 | 775,799.00 | -3,830,426.00 | 1,658,721.00 | 1,847,710.00 | 864,979.00 |
| Net Issuance/Repurchase of Equity | 59,234.00 | 52,158.00 | 31,152.00 | -113,083.00 | 81,534.00 | 81,534.00 | 31,523.00 | -75,630.00 | 60,218.00 | 60,218.00 | 60,218.00 | 15,256.00 | 50,023.00 | 50,023.00 | 0 | -289,723.00 | 439,723.00 | 439,723.00 | 289,723.00 |
| Dividends Paid | 12,938.00 | 8,625.00 | 4,313.00 | -8,626.00 | 12,938.00 | 8,625.00 | 4,313.00 | -8,626.00 | 12,938.00 | 8,625.00 | 4,313.00 | -8,626.00 | 12,938.00 | 8,625.00 | 4,313.00 | -9,562.00 | 14,408.00 | 10,096.00 | 3,779.00 |
| Other Financing Activities | 2,034,026.00 | 616,361.00 | 736,457.00 | -3,101,965.00 | 2,895,285.00 | 857,440.00 | 1,501,596.00 | -1,092,882.00 | 721,321.00 | 169,639.00 | -808,371.00 | 5,167,157.00 | -3,740,932.00 | -2,790,521.00 | -4,294,263.00 | 3,046,105.00 | -3,553,509.00 | -4,896,684.00 | 1,192,621.00 |
| Net Change in Cash | -123,983.00 | -498,666.00 | 613,665.00 | -842,593.00 | 948,735.00 | -329,771.00 | 73,292.00 | 2,633,339.00 | -819,484.00 | -2,164,815.00 | -1,362,555.00 | 7,425,458.00 | -4,306,412.00 | -3,671,303.00 | -2,575,126.00 | -574,942.00 | -671,329.00 | -2,235,181.00 | 2,221,731.00 |
| Cash at Beginning of Period | 3,188,808.00 | 3,188,808.00 | 3,188,808.00 | 4,031,401.00 | 3,242,850.00 | 3,242,850.00 | 3,242,850.00 | 609,511.00 | 5,012,260.00 | 5,012,260.00 | 5,012,260.00 | -2,413,198.00 | 7,946,659.00 | 7,946,659.00 | 7,946,659.00 | 8,521,601.00 | 9,206,380.00 | 9,206,380.00 | 9,206,380.00 |
| Cash at End of Period | 3,064,825.00 | 2,690,142.00 | 3,802,473.00 | 3,188,808.00 | 4,191,585.00 | 2,913,079.00 | 3,316,142.00 | 3,242,850.00 | 4,192,776.00 | 2,847,445.00 | 3,649,705.00 | 5,012,260.00 | 3,640,247.00 | 4,275,356.00 | 5,371,533.00 | 7,946,659.00 | 8,535,051.00 | 6,971,199.00 | 11,428,111.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |