Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 12.91 -33.87 9.65 12.98 15.41
Price to Sales
Book Value Per Common Share
Price to Book
Price to Operating Cash Flow 6.34 3.62 3.74 6.83 6.97
Price to Free Cash Flow
Enterprise Value to EBITDA 58359.85 39323.76 20232.38 28237.68 30147.13
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 16.04 23.88 46.76 17.53 27.17 47.54 10.25 15.25 32.17 13.40 22.69 56.70 17.40 25.69 58.91
Price to Sales
Book Value Per Common Share
Price to Book
Price to Operating Cash Flow 18.73 33.66 72.12 41.13 -358.06 -52.57 6.09 10.49 384.01 7.66 16.70 -400.71 25.47 22.55 -2380.41
Price to Free Cash Flow
Enterprise Value to EBITDA 26032.75 38304.28 74539.21 238529.53 73789.61 16071.53 24901.93 55207.78 29102.46 49832.48 125462.16 38058.89 55471.98 124239.28

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -1.11 45.02
Revenue YoY
EBITDA YoY -21.89 -55.62 2.51 28.37
Net Profit YoY -1.76 44.19
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 58.33 104.55 70.63 74.39 40.20 87.74 55.50 109.00 56.02 118.18
Revenue YoY
EBITDA YoY 55.25 100.19 20.98 46.24 97.30 57.24 109.82 54.04 111.55
Net Profit YoY 57.68 101.99 69.69 75.71 40.51 87.52 55.23 109.57 55.86 116.87

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 40.43 33.54 27.40 26.67 26.57
Quick Ratio
Current Ratio
Debt to Equity 0.41 0.42 0.42 0.40 0.39
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 31.04 34.19 34.61 40.89 32.11 32.54 27.65 33.49 24.17 24.98 31.68 27.43 19.33 20.09 24.43 26.86 17.00 21.39 25.53 26.53
Quick Ratio
Current Ratio
Debt to Equity 0.41 0.42 0.41 0.41 0.41 0.41 0.43 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.40 0.41 0.41 0.41 0.39
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.27 -0.09 0.34 0.35 0.26
ROE 0.38 -0.12 0.48 0.49 0.36
Gross Margin
Operating Margin
EBITDA Margin
Net Profit Margin
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 0.23 0.14 0.07 0.21 0.12 0.07 0.23 0.16 0.08 0.26 0.17 0.08 0.28 0.18 0.09
ROE 0.32 0.20 0.10 0.29 0.17 0.10 0.32 0.23 0.12 0.37 0.24 0.12 0.40 0.26 0.12
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 2024-12-31 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 1,682,324,000.00 1,688,909,000.00 1,744,504,000.00 1,710,486,000.00 1,619,713,000.00
   Deposits 390,524,000.00 395,865,000.00 413,495,000.00 416,488,000.00 381,077,000.00
      Cash and Short-Term Investments 53,814,000.00 44,668,000.00 36,390,000.00 35,667,000.00 35,789,000.00
            Cash and Cash Equivalents 53,509,000.00 44,308,000.00 35,492,000.00 34,601,000.00 34,735,000.00
            Short-Term Investments 305,000.00 360,000.00 898,000.00 1,066,000.00 1,054,000.00
      Net Receivables 1,388,000.00 1,280,000.00 1,444,000.00 4,812,000.00 6,059,000.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 4,240,000.00 4,439,000.00 4,798,000.00 3,700,000.00 5,203,000.00
      Goodwill 17,125,000.00 20,901,000.00 27,013,000.00 26,098,000.00 24,447,000.00
      Intangible Assets 1,550,000.00 3,160,000.00 3,672,000.00 3,408,000.00 2,984,000.00
      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 492,614,000.00 499,857,000.00 512,943,000.00 489,462,000.00 458,133,000.00
      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 87,572,000.00 57,133,000.00 53,598,000.00 18,698,000.00 16,468,000.00
      Other Current Liabilities 0 0 0 0 0
      Long-Term Debt 0 0 0 0 0
      Other Non-Current Liabilities 0 0 0 0 0
Equity 1,189,710,000.00 1,189,052,000.00 1,231,561,000.00 1,221,024,000.00 1,161,580,000.00
   Shareholders Equity 0 0 0 0 0
      Capital Stock 6,580,000.00 6,669,000.00 6,634,000.00 6,639,000.00 6,745,000.00
      Share Premium 35,628,000.00 36,177,000.00 34,544,000.00 34,565,000.00 35,843,000.00
      Retained Earnings 23,777,000.00 22,088,000.00 26,264,000.00 22,998,000.00 19,455,000.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -8,213,000.00 -12,506,000.00 -13,601,000.00 -1,604,000.00 716,000.00
   Minority Interest 0 152,000.00 23,000.00 0 105,000.00
Investments 371,358,000.00 377,896,000.00 402,844,000.00 614,243,000.00 120,788,000.00
Debt 251,953,000.00 235,507,000.00 241,783,000.00 179,192,000.00 195,013,000.00
Net Debt 198,139,000.00 190,839,000.00 205,393,000.00 143,525,000.00 159,224,000.00
Common Shares Outstanding 1,315,936.00 1,333,743.00 1,326,829.00 1,327,818.00 1,348,961.00
Preferred Shares Outstanding 216.00 223.00 223.00 223.00 280.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cost Of Revenue 11,209,000.00 12,633,000.00 4,650,000.00 4,774,000.00 14,001,000.00
Interest Income 31,634,000.00 29,753,000.00 20,122,000.00 16,210,000.00 17,781,000.00
Interest Expense 10,975,000.00 10,813,000.00 2,690,000.00 1,026,000.00 2,055,000.00
Net Interest 56,364,000.00 58,400,000.00 57,264,000.00 52,024,000.00 55,304,000.00
Non-Interest Income -2,652,000.00 35,777,000.00 35,506,000.00 37,752,000.00 36,146,000.00
Non-Interest Expense 36,157,000.00 21,608,000.00 14,720,000.00 15,241,000.00 15,071,000.00
Provisions for Credit Losses 11,209,000.00 12,633,000.00 4,650,000.00 -4,774,000.00 14,001,000.00
   Selling, General and Administrative Expenses 2,261,000.00 2,353,000.00 2,507,000.00 2,500,000.00 2,429,000.00
EBT -1,803,000.00 -555,000.00 23,007,000.00 23,979,000.00 16,419,000.00
Income Tax 1,831,000.00 2,516,000.00 4,156,000.00 4,642,000.00 2,887,000.00
Net Income Including Non-Controlling Interests 4,447,000.00 -1,496,000.00 5,920,000.00 6,036,000.00 4,174,000.00
Net Income Non-Controlling Interests 22,000.00 44,000.00 7,000.00 -3,000.00 10,000.00
Net Income 4,469,000.00 -1,452,000.00 5,927,000.00 6,033,000.00 4,184,000.00
EBIT 9,172,000.00 10,258,000.00 25,697,000.00 25,005,000.00 18,474,000.00
Deprecation and Amortization 613,000.00 2,269,000.00 2,532,000.00 2,532,000.00 2,978,000.00
EBITDA 9,785,000.00 12,527,000.00 28,229,000.00 27,537,000.00 21,452,000.00
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 1,331,087.00 1,331,963.00 1,328,120.00 1,337,144.00 1,347,080.00
Average Shares Outstanding Diluted 1,331,087.00 1,331,963.00 1,338,462.00 1,349,378.00 1,358,289.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 9,111,000.00 13,595,000.00 15,279,000.00 11,464,000.00 9,269,000.00
   Operating Net Income 14,520,000.00 -5,235,000.00 31,335,000.00 32,185,000.00 22,460,000.00
   Deprecation and Amortization 613,000.00 2,269,000.00 2,532,000.00 2,532,000.00 2,978,000.00
   Deferred Income Tax -27,000.00 -438,000.00 357,000.00 352,000.00 -153,000.00
   Share Based Compensation 292,000.00 320,000.00 318,000.00 320,000.00 353,000.00
   Change in Working Capital 6,641,000.00 -86,000.00 -3,319,000.00 550,000.00 1,422,000.00
   Other Operating Activities -12,928,000.00 16,765,000.00 -15,944,000.00 -24,475,000.00 -17,791,000.00
Investing Cash Flow 15,376,000.00 16,306,000.00 -31,375,000.00 -31,521,000.00 -44,872,000.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 0 0 564,000.00 442,000.00 815,000.00
   Net Purchase/Sale of Investments Net 90,485,000.00 18,154,000.00 32,896,000.00 105,475,000.00 103,482,000.00
   Net Purchase/Sale of Business 12,174,000.00 17,000.00 4,673,000.00 1,638,000.00 2,439,000.00
   Net Loan & Lease Activity 2,025,000.00 -12,202,000.00 32,840,000.00 -9,787,000.00 -2,613,000.00
   Other Investing Activities -89,308,000.00 10,337,000.00 -102,348,000.00 -129,289,000.00 -148,995,000.00
Financing Cash Flow -15,458,000.00 -20,282,000.00 17,834,000.00 17,640,000.00 37,136,000.00
   Net Issuance/Repayment of Debt 53,896,000.00 107,184,000.00 40,695,000.00 12,075,000.00 42,816,000.00
   Net Issuance/Repurchase of Equity 1,000,000.00 0 250,000.00 6,062,000.00 7,898,000.00
   Dividends Paid 3,135,000.00 3,131,000.00 2,989,000.00 2,852,000.00 2,725,000.00
   Other Financing Activities -73,489,000.00 -130,597,000.00 -26,100,000.00 -3,349,000.00 -16,303,000.00
Net Change in Cash 9,029,000.00 9,619,000.00 1,738,000.00 1,427,000.00 -197,000.00
   Cash at Beginning of Period 30,739,000.00 21,025,000.00 19,683,000.00 0 0
   Cash at End of Period 39,768,000.00 30,644,000.00 21,421,000.00 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 1,631,553,000.00 1,631,499,000.00 1,607,697,000.00 1,682,324,000.00 1,570,302,000.00 1,559,559,000.00 1,589,333,000.00 1,688,909,000.00 1,628,121,000.00 1,663,647,000.00 1,723,062,000.00 1,744,504,000.00 1,645,314,000.00 1,635,369,000.00 1,631,937,000.00 1,710,486,000.00 1,589,652,000.00 1,565,892,000.00 1,552,611,000.00 1,619,713,000.00
   Deposits 394,907,000.00 406,122,000.00 403,736,000.00 390,524,000.00 387,778,000.00 385,411,000.00 394,265,000.00 395,865,000.00 400,024,000.00 406,043,000.00 404,997,000.00 413,495,000.00 415,992,000.00 424,759,000.00 428,328,000.00 416,488,000.00 405,857,000.00 398,279,000.00 395,562,000.00 381,077,000.00
      Cash and Short-Term Investments 40,141,000.00 44,437,000.00 45,249,000.00 53,814,000.00 42,896,000.00 43,493,000.00 36,912,000.00 44,668,000.00 32,180,000.00 33,235,000.00 42,090,000.00 36,390,000.00 25,680,000.00 26,713,000.00 32,468,000.00 35,667,000.00 22,772,000.00 28,711,000.00 34,356,000.00 35,789,000.00
            Cash and Cash Equivalents 39,833,000.00 44,107,000.00 44,981,000.00 53,509,000.00 42,613,000.00 43,217,000.00 36,641,000.00 44,308,000.00 31,850,000.00 32,325,000.00 41,233,000.00 35,492,000.00 24,793,000.00 25,763,000.00 31,444,000.00 34,601,000.00 21,746,000.00 27,799,000.00 33,481,000.00 34,735,000.00
            Short-Term Investments 308,000.00 330,000.00 268,000.00 305,000.00 283,000.00 276,000.00 271,000.00 360,000.00 330,000.00 910,000.00 857,000.00 898,000.00 887,000.00 950,000.00 1,024,000.00 1,066,000.00 1,026,000.00 912,000.00 875,000.00 1,054,000.00
      Net Receivables 1,925,000.00 1,203,000.00 1,114,000.00 1,388,000.00 1,278,000.00 1,457,000.00 1,253,000.00 1,280,000.00 1,413,000.00 1,923,000.00 2,160,000.00 1,444,000.00 2,304,000.00 3,638,000.00 4,167,000.00 4,812,000.00 5,133,000.00 3,009,000.00 5,668,000.00 6,059,000.00
      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 4,235,000.00 4,239,000.00 4,160,000.00 4,240,000.00 4,171,000.00 4,206,000.00 4,307,000.00 4,439,000.00 4,506,000.00 4,581,000.00 4,670,000.00 4,798,000.00 4,701,000.00 4,777,000.00 4,788,000.00 3,700,000.00 4,926,000.00 4,932,000.00 5,064,000.00 5,203,000.00
      Goodwill 17,125,000.00 17,125,000.00 17,125,000.00 17,125,000.00 17,125,000.00 17,157,000.00 17,157,000.00 20,901,000.00 26,979,000.00 27,013,000.00 27,014,000.00 27,013,000.00 26,810,000.00 26,299,000.00 26,284,000.00 26,098,000.00 24,891,000.00 24,374,000.00 24,356,000.00 24,447,000.00
      Intangible Assets 1,328,000.00 1,399,000.00 1,473,000.00 1,550,000.00 1,635,000.00 1,729,000.00 1,816,000.00 3,160,000.00 3,292,000.00 3,403,000.00 3,535,000.00 3,672,000.00 3,726,000.00 3,535,000.00 3,693,000.00 3,408,000.00 2,930,000.00 2,665,000.00 2,825,000.00 2,984,000.00
      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 478,205,000.00 478,993,000.00 471,264,000.00 492,614,000.00 457,738,000.00 456,026,000.00 475,906,000.00 499,857,000.00 480,700,000.00 490,868,000.00 511,960,000.00 512,943,000.00 487,627,000.00 482,124,000.00 478,935,000.00 489,462,000.00 460,984,000.00 453,628,000.00 449,661,000.00 458,133,000.00
      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 61,576,000.00 31,259,000.00 34,842,000.00 87,572,000.00 53,583,000.00 49,085,000.00 57,425,000.00 57,133,000.00 53,360,000.00 58,407,000.00 53,722,000.00 53,598,000.00 57,953,000.00 33,286,000.00 17,395,000.00 18,698,000.00 18,252,000.00 18,060,000.00 16,257,000.00 16,468,000.00
      Other Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Long-Term Debt 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Other Non-Current Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Equity 1,153,348,000.00 1,152,506,000.00 1,136,433,000.00 1,189,710,000.00 1,112,564,000.00 1,103,533,000.00 1,113,427,000.00 1,189,052,000.00 1,147,421,000.00 1,172,779,000.00 1,211,102,000.00 1,231,561,000.00 1,157,687,000.00 1,153,245,000.00 1,153,002,000.00 1,221,024,000.00 1,128,668,000.00 1,112,264,000.00 1,102,950,000.00 1,161,580,000.00
   Shareholders Equity 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Capital Stock 6,396,000.00 6,447,000.00 6,548,000.00 6,580,000.00 6,638,000.00 6,691,000.00 6,690,000.00 6,669,000.00 6,668,000.00 6,660,000.00 6,660,000.00 6,634,000.00 6,634,000.00 6,632,000.00 6,657,000.00 6,639,000.00 6,674,000.00 6,674,000.00 6,724,000.00 6,745,000.00
      Share Premium 34,278,000.00 34,620,000.00 35,178,000.00 35,628,000.00 36,020,000.00 36,364,000.00 36,197,000.00 36,177,000.00 36,114,000.00 35,990,000.00 34,582,000.00 34,544,000.00 34,487,000.00 34,410,000.00 34,539,000.00 34,565,000.00 34,977,000.00 34,898,000.00 35,360,000.00 35,843,000.00
      Retained Earnings 25,438,000.00 24,759,000.00 24,252,000.00 23,777,000.00 23,248,000.00 22,603,000.00 22,483,000.00 22,088,000.00 27,944,000.00 27,577,000.00 27,038,000.00 26,264,000.00 25,344,000.00 24,500,000.00 23,687,000.00 22,998,000.00 22,114,000.00 21,139,000.00 20,184,000.00 19,455,000.00
      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 -6,373,000.00 -6,893,000.00 -7,250,000.00 -8,213,000.00 -6,883,000.00 -8,504,000.00 -13,222,000.00 -12,506,000.00 -15,559,000.00 -13,374,000.00 -12,581,000.00 -13,601,000.00 -12,350,000.00 -9,240,000.00 -6,535,000.00 -1,604,000.00 -1,538,000.00 -1,048,000.00 -1,516,000.00 716,000.00
   Minority Interest 0 0 0 0 0 0 232,000.00 152,000.00 167,000.00 155,000.00 22,000.00 23,000.00 23,000.00 24,000.00 23,000.00 0 0 0 0 105,000.00
Investments 358,132,000.00 363,506,000.00 371,800,000.00 371,358,000.00 359,434,000.00 328,770,000.00 370,938,000.00 377,896,000.00 370,352,000.00 387,776,000.00 401,296,000.00 402,844,000.00 409,420,000.00 437,274,000.00 462,336,000.00 614,243,000.00 604,152,000.00 139,879,000.00 123,807,000.00 120,788,000.00
Debt 228,913,000.00 209,150,000.00 162,990,000.00 251,953,000.00 200,975,000.00 187,314,000.00 213,397,000.00 235,507,000.00 216,761,000.00 235,726,000.00 328,521,000.00 241,783,000.00 181,037,000.00 153,263,000.00 151,989,000.00 179,192,000.00 170,254,000.00 170,649,000.00 167,576,000.00 195,013,000.00
Net Debt 188,772,000.00 164,713,000.00 117,741,000.00 198,139,000.00 158,079,000.00 143,821,000.00 176,485,000.00 190,839,000.00 184,581,000.00 202,491,000.00 286,431,000.00 205,393,000.00 155,357,000.00 126,550,000.00 119,521,000.00 143,525,000.00 147,482,000.00 141,938,000.00 133,220,000.00 159,224,000.00
Common Shares Outstanding 1,279,246.00 1,289,435.00 1,309,539.00 1,315,936.00 1,327,521.00 1,338,223.00 1,338,096.00 1,333,743.00 1,333,668.00 1,331,976.00 1,331,918.00 1,326,829.00 1,326,766.00 1,326,393.00 1,331,414.00 1,327,818.00 1,334,892.00 1,334,770.00 1,344,845.00 1,348,961.00
Preferred Shares Outstanding 216.00 216.00 216.00 216.00 223.00 223.00 223.00 223.00 223.00 223.00 223.00 223.00 223.00 223.00 223.00 223.00 223.00 223.00 107.00 280.00
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
Cost Of Revenue 8,279,000.00 5,626,000.00 2,756,000.00 -5,873,000.00 8,389,000.00 5,697,000.00 2,996,000.00 -5,765,000.00 9,217,000.00 6,239,000.00 2,942,000.00 1,748,000.00 1,870,000.00 469,000.00 563,000.00 -1,968,000.00 4,172,000.00 2,267,000.00 303,000.00
Interest Income 22,890,000.00 15,134,000.00 7,483,000.00 -14,373,000.00 23,178,000.00 15,326,000.00 7,503,000.00 -13,345,000.00 21,833,000.00 14,351,000.00 6,914,000.00 -6,232,000.00 13,766,000.00 8,518,000.00 4,070,000.00 -7,745,000.00 11,998,000.00 7,971,000.00 3,986,000.00
Interest Expense 7,705,000.00 5,048,000.00 2,481,000.00 -5,859,000.00 8,386,000.00 5,636,000.00 2,812,000.00 -2,705,000.00 7,133,000.00 4,468,000.00 1,917,000.00 1,012,000.00 1,064,000.00 440,000.00 174,000.00 -190,000.00 600,000.00 407,000.00 209,000.00
Net Interest 42,892,000.00 28,376,000.00 14,028,000.00 -26,724,000.00 42,004,000.00 27,596,000.00 13,488,000.00 -31,272,000.00 44,228,000.00 29,972,000.00 15,472,000.00 -23,168,000.00 41,340,000.00 26,360,000.00 12,732,000.00 -26,288,000.00 39,052,000.00 26,120,000.00 13,140,000.00
Non-Interest Income 17,864,000.00 11,477,000.00 5,722,000.00 14,876,000.00 -8,689,000.00 -14,770,000.00 5,931,000.00 -18,851,000.00 27,057,000.00 18,472,000.00 9,099,000.00 -17,494,000.00 26,430,000.00 17,857,000.00 8,713,000.00 -18,170,000.00 28,305,000.00 18,688,000.00 8,929,000.00
Non-Interest Expense 26,718,000.00 17,676,000.00 8,718,000.00 18,183,000.00 8,974,000.00 6,047,000.00 2,953,000.00 -708,000.00 11,186,000.00 7,439,000.00 3,691,000.00 -7,075,000.00 10,867,000.00 7,254,000.00 3,674,000.00 -7,406,000.00 11,416,000.00 7,621,000.00 3,610,000.00
Provisions for Credit Losses 8,279,000.00 5,626,000.00 2,756,000.00 -5,873,000.00 8,389,000.00 5,697,000.00 2,996,000.00 -5,765,000.00 9,217,000.00 6,239,000.00 2,942,000.00 2,874,000.00 1,870,000.00 469,000.00 -563,000.00 1,362,000.00 -4,172,000.00 -2,267,000.00 303,000.00
   Selling, General and Administrative Expenses 1,843,000.00 1,236,000.00 602,000.00 -851,000.00 1,593,000.00 1,025,000.00 494,000.00 -1,169,000.00 1,761,000.00 1,186,000.00 575,000.00 -1,337,000.00 1,911,000.00 1,278,000.00 655,000.00 -1,206,000.00 1,867,000.00 1,214,000.00 625,000.00
EBT 14,355,000.00 9,144,000.00 4,605,000.00 12,162,000.00 -6,465,000.00 -11,595,000.00 4,095,000.00 -31,812,000.00 14,907,000.00 10,623,000.00 5,727,000.00 -10,131,000.00 16,950,000.00 10,950,000.00 5,238,000.00 -11,256,000.00 18,072,000.00 11,691,000.00 5,472,000.00
Income Tax 2,496,000.00 1,641,000.00 822,000.00 -4,604,000.00 2,463,000.00 3,276,000.00 696,000.00 -3,571,000.00 2,862,000.00 2,043,000.00 1,182,000.00 -2,135,000.00 3,195,000.00 2,106,000.00 990,000.00 -2,276,000.00 3,567,000.00 2,298,000.00 1,053,000.00
Net Income Including Non-Controlling Interests 3,953,000.00 2,501,000.00 1,261,000.00 -1,767,000.00 3,231,000.00 1,895,000.00 1,088,000.00 -9,181,000.00 3,671,000.00 2,606,000.00 1,408,000.00 -2,496,000.00 4,311,000.00 2,779,000.00 1,326,000.00 -2,710,000.00 4,512,000.00 2,896,000.00 1,338,000.00
Net Income Non-Controlling Interests -268,000.00 -164,000.00 -104,000.00 -25,000.00 22,000.00 22,000.00 3,000.00 -40,000.00 44,000.00 38,000.00 2,000.00 -2,000.00 6,000.00 2,000.00 1,000.00 7,000.00 -3,000.00 -3,000.00 -4,000.00
Net Income 3,685,000.00 2,337,000.00 1,157,000.00 -1,792,000.00 3,253,000.00 1,917,000.00 1,091,000.00 -9,221,000.00 3,715,000.00 2,644,000.00 1,410,000.00 -2,498,000.00 4,317,000.00 2,781,000.00 1,327,000.00 -2,703,000.00 4,509,000.00 2,893,000.00 1,334,000.00
EBIT 22,060,000.00 14,192,000.00 7,086,000.00 6,303,000.00 1,921,000.00 -5,959,000.00 6,907,000.00 -34,517,000.00 22,040,000.00 15,091,000.00 7,644,000.00 -9,119,000.00 18,014,000.00 11,390,000.00 5,412,000.00 -11,446,000.00 18,672,000.00 12,098,000.00 5,681,000.00
Deprecation and Amortization 414,000.00 284,000.00 145,000.00 -326,000.00 460,000.00 315,000.00 164,000.00 -1,183,000.00 1,713,000.00 1,151,000.00 588,000.00 -1,152,000.00 1,841,000.00 1,237,000.00 606,000.00 -1,263,000.00 1,903,000.00 1,259,000.00 633,000.00
EBITDA 22,474,000.00 14,476,000.00 7,231,000.00 5,977,000.00 2,381,000.00 -5,644,000.00 7,071,000.00 -35,700,000.00 23,753,000.00 16,242,000.00 8,232,000.00 -10,271,000.00 19,855,000.00 12,627,000.00 6,018,000.00 -12,709,000.00 20,575,000.00 13,357,000.00 6,314,000.00
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 1,293,341.00 1,299,833.00 1,307,457.00 1,316,825.00 1,335,812.00 1,336,620.00 1,335,091.00 1,337,587.00 1,331,377.00 1,330,286.00 1,328,602.00 1,325,273.00 1,328,569.00 1,329,601.00 1,329,037.00 1,321,389.00 1,339,558.00 1,341,963.00 1,345,666.00
Average Shares Outstanding Diluted 1,308,676.00 1,314,779.00 1,324,339.00 1,305,012.00 1,335,812.00 1,336,620.00 1,346,904.00 1,310,985.00 1,339,041.00 1,338,346.00 1,339,480.00 1,332,989.00 1,339,071.00 1,340,225.00 1,341,563.00 1,332,658.00 1,351,712.00 1,354,210.00 1,358,932.00
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 3,157,000.00 1,660,000.00 746,000.00 8,857,000.00 1,389,000.00 -145,000.00 -990,000.00 3,374,000.00 6,255,000.00 3,848,000.00 118,000.00 4,143,000.00 7,547,000.00 3,777,000.00 -188,000.00 5,109,000.00 3,085,000.00 3,303,000.00 -33,000.00
   Operating Net Income 3,953,000.00 2,501,000.00 1,261,000.00 7,634,000.00 3,564,000.00 2,122,000.00 1,200,000.00 -38,907,000.00 16,172,000.00 11,440,000.00 6,060,000.00 -4,461,000.00 18,340,000.00 11,792,000.00 5,664,000.00 -5,571,000.00 19,340,000.00 12,524,000.00 5,892,000.00
   Deprecation and Amortization 414,000.00 284,000.00 145,000.00 -326,000.00 460,000.00 315,000.00 164,000.00 -1,183,000.00 1,713,000.00 1,151,000.00 588,000.00 -1,152,000.00 1,841,000.00 1,237,000.00 606,000.00 -1,263,000.00 1,903,000.00 1,259,000.00 633,000.00
   Deferred Income Tax 0 0 0 -27,000.00 0 0 0 -438,000.00 0 0 0 357,000.00 0 0 0 352,000.00 0 0 0
   Share Based Compensation 0 0 0 292,000.00 0 0 0 320,000.00 0 0 0 318,000.00 0 0 0 -221,000.00 269,000.00 186,000.00 86,000.00
   Change in Working Capital 2,540,000.00 2,675,000.00 1,699,000.00 -8,062,000.00 6,594,000.00 5,386,000.00 2,723,000.00 -994,000.00 -210,000.00 -426,000.00 1,544,000.00 -2,522,000.00 -1,636,000.00 -640,000.00 1,479,000.00 -4,841,000.00 1,755,000.00 2,107,000.00 1,529,000.00
   Other Operating Activities -3,750,000.00 -3,800,000.00 -2,359,000.00 9,346,000.00 -9,229,000.00 -7,968,000.00 -5,077,000.00 44,576,000.00 -11,420,000.00 -8,317,000.00 -8,074,000.00 11,603,000.00 -10,998,000.00 -8,612,000.00 -7,937,000.00 16,653,000.00 -20,182,000.00 -12,773,000.00 -8,173,000.00
Investing Cash Flow -12,971,000.00 -9,336,000.00 -1,631,000.00 -47,137,000.00 26,558,000.00 30,052,000.00 5,903,000.00 -9,026,000.00 17,865,000.00 9,517,000.00 -2,050,000.00 -1,327,000.00 -19,209,000.00 -10,805,000.00 -34,000.00 -7,693,000.00 -19,922,000.00 -7,025,000.00 3,119,000.00
   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 0 0 0 0 0 0 0 0 0 0 0 564,000.00 0 0 0 -146,000.00 314,000.00 175,000.00 99,000.00
   Net Purchase/Sale of Investments Net 26,121,000.00 18,060,000.00 9,522,000.00 -57,169,000.00 76,430,000.00 62,675,000.00 8,549,000.00 -1,593,000.00 11,366,000.00 5,487,000.00 2,894,000.00 -43,602,000.00 30,472,000.00 26,422,000.00 19,604,000.00 -60,890,000.00 85,739,000.00 56,581,000.00 24,045,000.00
   Net Purchase/Sale of Business 0 0 0 -12,050,000.00 12,164,000.00 12,060,000.00 0 2,000.00 15,000.00 0 0 2,355,000.00 1,325,000.00 505,000.00 488,000.00 4,288,000.00 -390,000.00 -1,130,000.00 -1,130,000.00
   Net Loan & Lease Activity 2,025,000.00 -12,202,000.00 32,840,000.00 -9,787,000.00 -2,613,000.00
   Other Investing Activities -40,349,000.00 -28,422,000.00 -11,827,000.00 1,817,000.00 -54,207,000.00 -38,964,000.00 2,046,000.00 -5,988,000.00 15,816,000.00 7,288,000.00 -6,779,000.00 44,141,000.00 -75,141,000.00 -51,088,000.00 -20,260,000.00 22,639,000.00 -91,082,000.00 -49,200,000.00 -11,646,000.00
Financing Cash Flow 6,898,000.00 9,359,000.00 3,288,000.00 23,737,000.00 -18,951,000.00 -19,672,000.00 -572,000.00 -16,904,000.00 -15,709,000.00 -4,776,000.00 17,107,000.00 -14,653,000.00 13,592,000.00 9,846,000.00 9,049,000.00 -21,745,000.00 17,796,000.00 11,411,000.00 10,178,000.00
   Net Issuance/Repayment of Debt 95,607,000.00 35,572,000.00 -1,241,000.00 -9,058,000.00 27,150,000.00 18,431,000.00 17,373,000.00 -115,380,000.00 97,828,000.00 81,039,000.00 43,697,000.00 -6,990,000.00 30,847,000.00 15,218,000.00 1,620,000.00 -9,125,000.00 9,633,000.00 7,439,000.00 4,128,000.00
   Net Issuance/Repurchase of Equity 1,750,000.00 1,250,000.00 500,000.00 500,000.00 500,000.00 0 0 0 0 0 0 -250,000.00 250,000.00 250,000.00 0 -456,000.00 2,531,000.00 2,531,000.00 1,456,000.00
   Dividends Paid 2,282,000.00 1,513,000.00 783,000.00 -1,612,000.00 2,374,000.00 1,573,000.00 800,000.00 -1,586,000.00 2,361,000.00 1,562,000.00 794,000.00 -1,406,000.00 2,229,000.00 1,441,000.00 725,000.00 -1,414,000.00 2,136,000.00 1,408,000.00 722,000.00
   Other Financing Activities -92,741,000.00 -28,976,000.00 3,246,000.00 33,907,000.00 -48,975,000.00 -39,676,000.00 -18,745,000.00 100,062,000.00 -115,898,000.00 -87,377,000.00 -27,384,000.00 -6,007,000.00 -19,734,000.00 -7,063,000.00 6,704,000.00 -10,750,000.00 3,496,000.00 33,000.00 3,872,000.00
Net Change in Cash -2,916,000.00 1,683,000.00 2,403,000.00 -14,543,000.00 8,996,000.00 10,235,000.00 4,341,000.00 -22,556,000.00 8,411,000.00 8,589,000.00 15,175,000.00 -11,837,000.00 1,930,000.00 2,818,000.00 8,827,000.00 -20,485,000.00 959,000.00 7,689,000.00 13,264,000.00
   Cash at Beginning of Period 39,768,000.00 39,768,000.00 39,768,000.00 54,311,000.00 30,644,000.00 30,644,000.00 30,644,000.00 53,200,000.00 21,421,000.00 21,421,000.00 21,421,000.00 33,258,000.00 20,295,000.00 20,295,000.00 20,295,000.00 0.00 0 0 0
   Cash at End of Period 36,852,000.00 41,451,000.00 42,171,000.00 39,768,000.00 39,640,000.00 40,879,000.00 34,985,000.00 30,644,000.00 29,832,000.00 30,010,000.00 36,596,000.00 21,421,000.00 22,225,000.00 23,113,000.00 29,122,000.00 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