UBFO

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 11.74 7.25 7.95 13.76
Price to Sales 59.48 49.33 41.16 49.45
Book Value Per Common Share 21.70 20.54 18.74 21.11 20.73
Price to Book 0.47 0.41 0.39 0.38
Price to Operating Cash Flow 6.28 4.83 3.98 5.75
Price to Free Cash Flow
Enterprise Value to EBITDA 34349.47 34838.25 46283.45 82681.78
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 18.29 30.89 56.00 12.10 14.80 32.13 8.86 10.74 17.72 10.69 21.77 59.29 19.98 34.04 102.38
Price to Sales 73.70 109.22 242.16 69.85 87.45 187.59 58.17 75.85 148.37 47.73 90.82 216.15 64.91 103.16 212.18
Book Value Per Common Share 15.05 14.70 14.48 21.70 14.69 13.84 13.44 20.54 12.31 12.54 12.22 18.74 11.43 12.11 12.84 21.11 13.97 13.88 13.75 20.73
Price to Book 0.62 0.59 0.62 0.47 0.59 0.52 0.57 0.41 0.60 0.53 0.52 0.39 0.57 0.63 0.65 0.38 0.57 0.59 0.60
Price to Operating Cash Flow 8.72 12.72 51.14 9.90 12.77 17.77 8.68 6.45 11.68 7.39 16.68 62.69 15.30 23.73 30.11
Price to Free Cash Flow
Enterprise Value to EBITDA 66724.99 102333.97 203595.44 51721.10 64077.54 139808.45 43251.91 57606.91 102512.51 63726.42 133814.63 342728.38 114654.66 194127.18 525530.39

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -25.86 26.09 55.93 11.32
Revenue YoY 0.00 -3.60 8.38 4.88
EBITDA YoY 23.21 53.75 61.20 -30.93
Net Profit YoY -25.32 26.20 55.34 12.69
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 82.14 75.00 46.94 104.17 35.48 72.22 74.29 150.00 66.67 200.00
Revenue YoY 62.10 113.79 50.49 101.70 45.70 104.50 62.91 118.50 55.34 105.49
EBITDA YoY 66.20 92.07 48.89 105.26 48.85 86.15 79.72 135.23 65.57 170.08
Net Profit YoY 82.93 80.87 45.27 103.27 36.55 72.11 76.00 140.61 63.48 191.64

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 13.78 16.72 17.66 26.11 19.74
Quick Ratio
Current Ratio
Debt to Equity 0.74 4.50 5.33 5.09 4.19
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 12.67 12.17 12.10 13.64 13.25 14.63 15.31 16.67 15.62 17.97 17.92 17.64 22.64 21.55 26.86 26.08 28.13 22.71 29.45 19.70
Quick Ratio
Current Ratio
Debt to Equity 7.99 8.04 7.97 0.74 8.45 8.58 8.71 4.50 10.07 10.14 10.17 5.33 11.79 11.18 10.88 5.09 9.85 9.40 9.12 4.19
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.58 1.47 1.10 0.69 0.73
ROE 1.00 8.08 6.97 4.20 3.80
Gross Margin -101.17 48.94 40.47 24.56 -3.98
Operating Margin 1677.11 1347.88 846.71 557.54 878.41
EBITDA Margin 1749.59 1420.01 890.32 598.57 908.86
Net Profit Margin 506.61 678.41 518.20 361.55 336.50
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 0.72 0.40 0.23 0.98 0.69 0.34 1.13 0.82 0.49 0.76 0.44 0.18 0.52 0.33 0.12
ROE 6.46 3.61 2.02 9.25 6.64 3.35 12.51 9.11 5.42 9.66 5.34 2.15 5.65 3.48 1.20
Gross Margin -374.72 -222.65 -657.37 35.74 93.75 62.61 66.99 60.16 32.83 47.72 57.24 99.24 21.01 10.91 42.84
Operating Margin 984.53 946.19 1056.27 1287.77 1300.63 1277.76 1274.62 1269.75 1397.82 707.47 656.19 606.12 520.87 498.15 369.05
EBITDA Margin 1110.22 1082.84 1205.33 1361.50 1376.12 1352.27 1347.51 1319.05 1449.05 748.93 678.87 630.58 565.90 530.93 403.96
Net Profit Margin 401.36 355.65 420.38 573.36 593.96 589.38 658.21 702.33 834.47 444.37 411.34 373.55 321.25 305.27 215.09

Dividends

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Dividend Yield 0.00
Dividend Payout Ratio 2.93
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 2,567,453.00 1,346,859.00 1,424,446.00 1,464,212.00 1,223,255.00
   Deposits 1,057,622.00 1,004,477.00 1,165,484.00 1,188,106.00 952,651.00
      Cash and Short-Term Investments 236,875.00 286,105.00 300,995.00 444,154.00 335,112.00
            Cash and Cash Equivalents 56,211.00 81,361.00 70,245.00 250,276.00 323,559.00
            Short-Term Investments 180,664.00 204,744.00 230,750.00 193,878.00 11,553.00
      Net Receivables 968,063.00 958,137.00 10,497,590.00 9,266,862.00 5,196,678.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 11,737.00 10,436.00 11,754.00 11,544.00 11,974.00
      Goodwill 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00
      Intangible Assets 0 0 0 0 0
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 14,419.00 14,055.00 12,825.00 3,615.00 2,907.00
      Other Non-Current Assets 0 0 0 0 0
Liabilities 1,095,011.00 1,101,775.00 1,199,520.00 1,223,798.00 987,641.00
      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 1,472,442.00 245,084.00 224,926.00 240,414.00 235,614.00
   Shareholders Equity 376,734.00 352,588.00 319,894.00 359,447.00 352,693.00
      Capital Stock 61,267.00 60,585.00 60,030.00 59,636.00 59,397.00
      Share Premium 0 0 0 0 0
      Retained Earnings 83,447.00 76,995.00 69,928.00 61,745.00 59,138.00
      Treasury Shares 0 0 0 0 0
      Accumulated Other Comprehensive Income -14,352.00 -15,038.00 -17,495.00 -1,174.00 -728.00
   Minority Interest 0 0 0 0 0
Investments 1,135,731.00 1,469,554.00 7,036,657.00 6,156,192.00 2,396,593.00
Debt 26,305.00 23,863.00 23,859.00 25,083.00 24,815.00
Common Shares Outstanding 17,364.89 17,167.90 17,067.25 17,028.24 17,009.88
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 2,918.00 2,918.00 3,027.00 2,793.00 2,663.00
Cost Of Revenue 5,870.00 1,490.00 1,802.00 2,107.00 2,769.00
Interest Income 60,751.00 60,377.00 49,257.00 37,730.00 34,457.00
Interest Expense 28,618.00 11,855.00 3,571.00 2,258.00 2,566.00
Net Interest 46,522.00 49,069.00 45,921.00 35,529.00 32,042.00
Non-Interest Income 4,713.00 5,569.00 1,838.00 3,385.00 5,174.00
Non-Interest Expense 28,280.00 25,954.00 24,039.00 23,615.00 22,160.00
Provisions for Credit Losses 5,870.00 1,490.00 1,802.00 -2,107.00 -2,769.00
Gross Profit -2,952.00 1,428.00 1,225.00 686.00 -106.00
   Selling, General and Administrative Expenses 13,751.00 8,889.00 8,211.00 7,674.00 7,185.00
EBT 20,320.00 27,476.00 22,059.00 13,314.00 20,826.00
Income Tax 10,500.00 7,389.00 5,380.00 3,017.00 3,566.00
Net Income 14,783.00 19,796.00 15,686.00 10,098.00 8,961.00
EBIT 48,938.00 39,331.00 25,630.00 15,572.00 23,392.00
Deprecation and Amortization 2,115.00 2,105.00 1,320.00 1,146.00 811.00
EBITDA 51,053.00 41,436.00 26,950.00 16,718.00 24,203.00
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 17,188.38 17,114.21 17,040.24 17,011.38 16,976.70
Average Shares Outstanding Diluted 17,199.82 17,125.19 17,061.83 17,030.87 16,998.58
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 27,623.00 29,789.00 31,313.00 24,042.00 21,419.00
   Operating Net Income 59,132.00 59,388.00 47,058.00 30,294.00 26,883.00
   Deprecation and Amortization 2,115.00 2,105.00 1,320.00 1,146.00 811.00
   Deferred Income Tax -602.00 -367.00 -2,234.00 -441.00 378.00
   Share Based Compensation 692.00 478.00 185.00 238.00 425.00
   Change in Working Capital -131.00 1,281.00 -407.00 -1,253.00 -636.00
   Other Operating Activities -33,583.00 -33,096.00 -14,609.00 -5,942.00 -6,442.00
Investing Cash Flow 12,953.00 87,583.00 -174,233.00 -319,366.00 -65,547.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 1,039.00 787.00 2,140.00 1,266.00 1,141.00
   Net Purchase/Sale of Investments Net 15,609.00 17,600.00 97,438.00 126,000.00 29,925.00
   Net Purchase/Sale of Business 0 0 0 0 0
   Net Loan & Lease Activity 11,534.00 58,085.00 113,389.00 218,331.00 60,192.00
   Other Investing Activities -15,229.00 11,111.00 -387,200.00 -664,963.00 -156,805.00
Financing Cash Flow -25,467.00 -115,221.00 -37,577.00 220,477.00 119,353.00
   Net Issuance/Repayment of Debt -62,000.00 62,000.00 0 0 0
   Net Issuance/Repurchase of Equity 0 106.00 29.00 0 0
   Dividends Paid 16,613.00 -581.00 10.00 7,489.00 7,468.00
   Other Financing Activities 19,920.00 -176,746.00 -37,616.00 212,988.00 111,885.00
Net Change in Cash 15,109.00 2,151.00 -180,497.00 -74,847.00 75,225.00
   Cash at Beginning of Period 41,102.00 38,633.00 219,092.00 294,066.00 218,844.00
   Cash at End of Period 56,211.00 40,784.00 38,595.00 219,219.00 294,069.00
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 1,235,620.00 1,214,137.00 1,191,791.00 2,567,453.00 1,255,376.00 1,219,822.00 1,206,404.00 1,346,859.00 1,273,092.00 1,288,819.00 1,261,194.00 1,424,446.00 1,369,252.00 1,339,517.00 1,349,802.00 1,464,212.00 1,292,781.00 1,231,055.00 1,186,936.00 1,223,255.00
   Deposits 1,075,900.00 1,055,669.00 1,026,213.00 1,057,622.00 1,065,021.00 1,006,614.00 955,934.00 1,004,477.00 987,631.00 1,046,554.00 1,111,132.00 1,165,484.00 1,240,818.00 1,208,194.00 1,214,332.00 1,188,106.00 1,150,715.00 1,090,442.00 1,047,781.00 952,651.00
      Cash and Short-Term Investments 221,384.00 209,660.00 208,565.00 236,875.00 227,622.00 251,275.00 262,904.00 286,105.00 267,131.00 307,068.00 306,090.00 300,995.00 385,712.00 367,029.00 457,393.00 444,154.00 478,436.00 386,288.00 500,879.00 335,112.00
            Cash and Cash Equivalents 66,767.00 49,091.00 37,894.00 56,211.00 47,915.00 74,759.00 84,150.00 81,361.00 69,626.00 91,623.00 87,102.00 70,245.00 164,004.00 140,947.00 263,177.00 250,276.00 301,600.00 204,148.00 342,166.00 323,559.00
            Short-Term Investments 154,617.00 160,569.00 170,671.00 180,664.00 179,707.00 176,516.00 178,754.00 204,744.00 197,505.00 215,445.00 218,988.00 230,750.00 221,708.00 226,082.00 194,216.00 193,878.00 176,836.00 182,140.00 158,713.00 11,553.00
      Net Receivables 997,182.00 986,883.00 961,276.00 968,063.00 1,015,193.00 987,938.00 968,365.00 958,137.00 1,010,227.00 997,408.00 979,687.00 10,497,590.00 7,594,596.00 7,477,687.00 6,949,267.00 9,266,862.00 8,559,617.00 8,930,166.00 5,275,149.00 5,196,678.00
      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 11,656.00 11,299.00 11,321.00 11,737.00 12,019.00 12,451.00 10,381.00 10,436.00 10,694.00 10,993.00 11,294.00 11,754.00 11,620.00 11,359.00 11,363.00 11,544.00 11,856.00 11,477.00 11,628.00 11,974.00
      Goodwill 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00 4,488.00
      Intangible Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Long-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Non-Current Deferred Assets 13,004.00 13,479.00 13,824.00 14,419.00 12,410.00 14,139.00 14,409.00 14,055.00 15,646.00 14,348.00 14,422.00 12,825.00 11,956.00 9,428.00 6,974.00 3,615.00 3,086.00 3,063.00 3,235.00 2,907.00
      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 1,098,238.00 1,079,883.00 1,058,915.00 1,095,011.00 1,122,520.00 1,092,472.00 1,082,220.00 1,101,775.00 1,158,064.00 1,173,139.00 1,148,286.00 1,199,520.00 1,262,173.00 1,229,516.00 1,236,228.00 1,223,798.00 1,173,653.00 1,112,690.00 1,069,603.00 987,641.00
      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 137,382.00 134,254.00 132,876.00 1,472,442.00 132,856.00 127,350.00 124,184.00 245,084.00 115,028.00 115,680.00 112,908.00 224,926.00 107,079.00 110,001.00 113,574.00 240,414.00 119,128.00 118,365.00 117,333.00 235,614.00
   Shareholders Equity 264,198.00 256,932.00 253,129.00 376,734.00 254,492.00 239,827.00 232,693.00 352,588.00 210,906.00 214,732.00 208,960.00 319,894.00 194,848.00 206,293.00 218,673.00 359,447.00 237,588.00 236,092.00 233,883.00 352,693.00
      Capital Stock 61,928.00 61,727.00 61,467.00 61,267.00 61,041.00 60,938.00 60,792.00 60,585.00 60,524.00 60,451.00 60,269.00 60,030.00 59,924.00 59,836.00 59,736.00 59,636.00 59,549.00 59,496.00 59,443.00 59,397.00
      Share Premium 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Retained Earnings 86,020.00 84,103.00 84,032.00 83,447.00 83,035.00 81,285.00 79,067.00 76,995.00 73,654.00 71,857.00 69,495.00 69,928.00 66,465.00 63,874.00 62,313.00 61,745.00 60,247.00 59,507.00 58,673.00 59,138.00
      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 -10,566.00 -11,576.00 -12,623.00 -14,352.00 -11,220.00 -14,873.00 -15,675.00 -15,038.00 -19,150.00 -16,628.00 -16,856.00 -17,495.00 -19,310.00 -13,709.00 -8,475.00 -1,174.00 -668.00 -638.00 -783.00 -728.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 1,147,511.00 1,196,331.00 1,277,231.00 1,135,731.00 3,940,084.00 1,920,328.00 1,936,091.00 1,469,554.00 936,069.00 1,428,723.00 1,452,324.00 7,036,657.00 4,232,888.00 4,163,163.00 3,695,885.00 6,156,192.00 5,534,108.00 5,780,254.00 2,823,503.00 2,396,593.00
Debt 11,824.00 14,638.00 14,416.00 26,305.00 14,659.00 14,871.00 12,620.00 23,863.00 12,565.00 12,478.00 12,932.00 23,859.00 12,550.00 12,890.00 13,441.00 25,083.00 14,147.00 13,960.00 13,821.00 24,815.00
Common Shares Outstanding 17,557.43 17,475.93 17,475.93 17,364.89 17,328.12 17,322.76 17,315.19 17,167.90 17,135.60 17,129.94 17,094.30 17,067.25 17,046.68 17,040.55 17,034.41 17,028.24 17,010.29 17,010.29 17,010.29 17,009.88
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 2,211.00 1,364.00 638.00 -1,355.00 2,143.00 1,424.00 706.00 -1,504.00 2,187.00 1,501.00 734.00 -1,384.00 2,328.00 1,429.00 654.00 -1,305.00 2,094.00 1,348.00 656.00
Cost Of Revenue 10,496.00 4,401.00 4,832.00 4,140.00 1,377.00 89.00 264.00 -323.00 722.00 598.00 493.00 -31.00 1,217.00 611.00 5.00 -1,123.00 1,654.00 1,201.00 375.00
Interest Income 45,913.00 30,286.00 15,283.00 -29,583.00 45,605.00 29,850.00 14,879.00 -28,798.00 44,971.00 29,645.00 14,559.00 -16,221.00 34,503.00 20,984.00 9,991.00 -16,515.00 27,801.00 17,924.00 8,520.00
Interest Expense 9,337.00 6,130.00 2,987.00 8,277.00 10,559.00 6,617.00 3,165.00 -1,558.00 7,603.00 4,196.00 1,614.00 -45.00 1,926.00 1,137.00 553.00 -729.00 1,527.00 987.00 473.00
Net Interest 36,232.00 23,864.00 12,114.00 -23,254.00 34,915.00 23,175.00 11,686.00 -26,367.00 37,181.00 25,338.00 12,917.00 -16,069.00 32,677.00 19,861.00 9,452.00 -15,842.00 26,371.00 16,981.00 8,019.00
Non-Interest Income 3,739.00 2,122.00 1,360.00 -3,502.00 4,591.00 2,571.00 1,053.00 -913.00 2,574.00 2,460.00 1,448.00 860.00 789.00 395.00 -206.00 289.00 2,093.00 1,162.00 -159.00
Non-Interest Expense 22,778.00 15,344.00 7,604.00 -13,015.00 20,849.00 13,708.00 6,738.00 -11,816.00 19,082.00 12,448.00 6,240.00 -10,773.00 17,605.00 11,391.00 5,816.00 -10,453.00 17,333.00 11,170.00 5,565.00
Provisions for Credit Losses 10,496.00 4,401.00 4,832.00 4,140.00 1,377.00 89.00 264.00 663.00 722.00 598.00 -493.00 -31.00 1,217.00 611.00 5.00 -5,337.00 1,654.00 1,201.00 375.00
Gross Profit -8,285.00 -3,037.00 -4,194.00 -5,495.00 766.00 1,335.00 442.00 -1,181.00 1,465.00 903.00 241.00 -1,353.00 1,111.00 818.00 649.00 -182.00 440.00 147.00 281.00
   Selling, General and Administrative Expenses 7,111.00 2,892.00 2,578.00 -599.00 7,371.00 4,785.00 2,194.00 -3,477.00 6,356.00 3,991.00 2,019.00 -3,372.00 5,983.00 3,756.00 1,844.00 -3,325.00 5,611.00 3,618.00 1,770.00
EBT 12,431.00 6,776.00 3,752.00 -14,478.00 17,038.00 11,904.00 5,856.00 -16,306.00 20,273.00 14,863.00 8,646.00 -4,136.00 14,544.00 8,240.00 3,411.00 -3,742.00 9,380.00 5,728.00 1,948.00
Income Tax 3,557.00 1,925.00 1,070.00 608.00 4,751.00 3,446.00 1,695.00 -5,331.00 5,878.00 4,321.00 2,521.00 -2,149.00 4,199.00 2,362.00 968.00 -1,786.00 2,653.00 1,613.00 537.00
Net Income 8,874.00 4,851.00 2,682.00 -10,123.00 12,287.00 8,458.00 4,161.00 -11,266.00 14,395.00 10,542.00 6,125.00 -2,980.00 10,345.00 5,878.00 2,443.00 -2,155.00 6,727.00 4,115.00 1,411.00
EBIT 21,768.00 12,906.00 6,739.00 -6,201.00 27,597.00 18,521.00 9,021.00 -17,864.00 27,876.00 19,059.00 10,260.00 -4,181.00 16,470.00 9,377.00 3,964.00 -4,471.00 10,907.00 6,715.00 2,421.00
Deprecation and Amortization 2,779.00 1,864.00 951.00 -1,066.00 1,580.00 1,075.00 526.00 -605.00 1,594.00 740.00 376.00 -129.00 965.00 324.00 160.00 -468.00 943.00 442.00 229.00
EBITDA 24,547.00 14,770.00 7,690.00 -7,267.00 29,177.00 19,596.00 9,547.00 -18,469.00 29,470.00 19,799.00 10,636.00 -4,310.00 17,435.00 9,701.00 4,124.00 -4,939.00 11,850.00 7,157.00 2,650.00
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 17,467.16 17,232.83 17,229.74 17,220.31 17,183.76 17,178.57 17,170.91 17,186.67 17,103.98 17,089.69 17,076.51 17,060.69 17,036.46 17,033.40 17,030.41 17,014.94 17,010.24 17,010.21 17,010.13
Average Shares Outstanding Diluted 17,471.01 17,261.46 17,261.45 17,260.97 17,187.10 17,179.56 17,171.64 17,188.81 17,115.88 17,103.60 17,092.46 17,083.13 17,057.64 17,054.74 17,051.82 17,041.60 17,027.67 17,027.48 17,026.75
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 18,687.00 11,720.00 3,018.00 -4,699.00 15,122.00 9,752.00 7,448.00 -11,856.00 14,663.00 17,654.00 9,328.00 6,252.00 15,027.00 7,779.00 2,255.00 4,678.00 8,881.00 5,857.00 4,626.00
   Operating Net Income 26,622.00 14,553.00 8,046.00 34,226.00 12,287.00 8,458.00 4,161.00 28,326.00 14,395.00 10,542.00 6,125.00 28,392.00 10,345.00 5,878.00 2,443.00 18,041.00 6,727.00 4,115.00 1,411.00
   Deprecation and Amortization 2,779.00 1,864.00 951.00 -1,066.00 1,580.00 1,075.00 526.00 -605.00 1,594.00 740.00 376.00 -129.00 965.00 324.00 160.00 -468.00 943.00 442.00 229.00
   Deferred Income Tax -210.00 -210.00 -210.00 -602.00 0 0 0 -386.00 -9.00 60.00 -32.00 -2,818.00 281.00 214.00 89.00 -215.00 -110.00 -98.00 -18.00
   Share Based Compensation 661.00 459.00 200.00 -324.00 456.00 353.00 207.00 -466.00 388.00 316.00 240.00 -404.00 288.00 201.00 100.00 -57.00 151.00 98.00 46.00
   Change in Working Capital -992.00 -1,007.00 4,224.00 2,779.00 -686.00 -2,473.00 249.00 -20,890.00 16,915.00 3,675.00 1,581.00 -4,585.00 1,665.00 1,479.00 1,034.00 1,247.00 445.00 -1,119.00 -1,826.00
   Other Operating Activities -10,173.00 -3,939.00 -10,193.00 -39,712.00 1,485.00 2,339.00 2,305.00 -17,835.00 -18,620.00 2,321.00 1,038.00 -14,204.00 1,483.00 -317.00 -1,571.00 -13,870.00 725.00 2,419.00 4,784.00
Investing Cash Flow -17,117.00 -12,692.00 4,159.00 53,602.00 -34,287.00 -10,748.00 4,386.00 -561.00 23,777.00 24,112.00 40,255.00 138,057.00 -155,303.00 -136,093.00 -20,894.00 273,711.00 -235,969.00 -273,062.00 -84,046.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 1,540.00 704.00 121.00 -999.00 843.00 740.00 455.00 -149.00 534.00 310.00 92.00 -387.00 1,500.00 746.00 281.00 -407.00 1,061.00 469.00 143.00
   Net Purchase/Sale of Investments Net 9,000.00 9,000.00 0 -27,000.00 15,609.00 13,500.00 13,500.00 7,600.00 10,000.00 0 0 -147,848.00 97,438.00 97,438.00 50,410.00 -139,934.00 100,039.00 97,576.00 68,319.00
   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 11,534.00 58,085.00 113,389.00 218,331.00 60,192.00
   Other Investing Activities -65,646.00 -48,697.00 2,464.00 166,767.00 -107,294.00 -55,258.00 -19,444.00 -2,980.00 6,763.00 4,311.00 3,017.00 351,023.00 -345,941.00 -313,008.00 -79,274.00 556,125.00 -490,627.00 -557,322.00 -173,139.00
Financing Cash Flow 8,986.00 -6,148.00 -25,494.00 -41,118.00 26,296.00 -1,031.00 -9,614.00 -8,500.00 -41,738.00 -21,958.00 -43,025.00 -125,361.00 47,089.00 16,341.00 24,354.00 -199,274.00 192,447.00 134,044.00 93,260.00
   Net Issuance/Repayment of Debt 0 0 8,000.00 -76,000.00 -28,000.00 1,000.00 41,000.00 -193,820.00 142,000.00 100,620.00 13,200.00 0 0 0 0 0 0 0 0
   Net Issuance/Repurchase of Equity 0 0 0 0 0 0 0 -106.00 106.00 106.00 0 29.00 0 0 0 0 0 0 0
   Dividends Paid 6,291.00 4,194.00 2,084.00 4,127.00 6,247.00 4,168.00 2,071.00 -12,201.00 5,992.00 3,754.00 1,874.00 -11,235.00 5,624.00 3,749.00 1,872.00 -3,745.00 5,617.00 3,747.00 1,870.00
   Other Financing Activities 2,695.00 -10,342.00 -35,578.00 30,755.00 48,049.00 -6,199.00 -52,685.00 197,627.00 -189,836.00 -126,438.00 -58,099.00 -114,155.00 41,465.00 12,592.00 22,482.00 -195,529.00 186,830.00 130,297.00 91,390.00
Net Change in Cash 10,556.00 -7,120.00 -18,317.00 7,785.00 7,131.00 -2,027.00 2,220.00 -20,917.00 -3,298.00 19,808.00 6,558.00 18,948.00 -93,187.00 -111,973.00 5,715.00 79,115.00 -34,641.00 -133,161.00 13,840.00
   Cash at Beginning of Period 56,211.00 56,211.00 56,211.00 48,426.00 40,784.00 40,784.00 40,784.00 61,701.00 38,595.00 38,595.00 38,595.00 19,647.00 219,219.00 219,219.00 219,219.00 140,104.00 294,069.00 294,069.00 294,069.00
   Cash at End of Period 66,767.00 49,091.00 37,894.00 56,211.00 47,915.00 38,757.00 43,004.00 40,784.00 35,297.00 58,403.00 45,153.00 38,595.00 126,032.00 107,246.00 224,934.00 219,219.00 259,428.00 160,908.00 307,909.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0