Valuation Ratios

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Price to Earnings 6.17 7.80 3.53 5.79 10.95
Price to Sales 44.02 52.63 32.83 49.56 76.91
Book Value Per Common Share 116.63 110.82 112.44 104.44 97.91
Price to Book 0.14 0.18 0.12 0.19 0.27
Price to Operating Cash Flow 2.95 2.49 3.08 2.87 4.60
Price to Free Cash Flow
Enterprise Value to EBITDA 10529.97 12198.81 9076.08 21120.90 33801.87
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
Price to Earnings 8.08 13.65 31.06 8.24 15.78 17.73 4.97 7.68 15.22 7.82 15.39 36.40 15.92 23.82
Price to Sales 57.48 93.49 193.43 51.53 78.55 142.44 50.71 84.51 181.58 61.49 111.28 265.28 109.32 160.72
Book Value Per Common Share 116.63 38.09 37.55 37.13 110.82 36.45 35.89 38.16 112.44 36.99 36.10 35.55 104.44 33.99 33.56 32.93 97.91 32.06 31.92 27.18
Price to Book 0.14 0.41 0.43 0.45 0.18 0.40 0.44 0.39 0.12 0.40 0.45 0.50 0.19 0.54 0.65 0.80 0.27 0.83 0.80
Price to Operating Cash Flow 6.94 10.84 27.58 3.08 3.79 8.79 7.43 9.56 17.45 6.94 17.01 63.68 7.96 9.41
Price to Free Cash Flow
Enterprise Value to EBITDA 16257.87 25147.22 46375.77 13535.19 21661.36

Earnings Data

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Earning YoY 5.60 -32.80 9.41 42.26
Revenue YoY 7.79 5.59 0.42 5.09
EBITDA YoY -6.89 38.76 53.64 20.72
Net Profit YoY 13.01 -22.29 8.93 28.71
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 60.50 120.37 78.00 17.65 42.18 81.90 65.25 95.83 57.01 109.80
Revenue YoY 53.80 100.16 51.56 98.47 53.11 97.40 51.97 97.50 51.74 98.90
EBITDA YoY 44.09 77.24 48.20 159.73 62.24 106.44 410.80 59.42 116.41 35.55 124.26
Net Profit YoY 59.85 119.01 86.84 27.18 42.47 82.93 63.52 98.17 56.57 115.20

Financial Strength

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Cash Per Common Share 8.64 32.42 16.18 12.48 29.22
Quick Ratio
Current Ratio
Debt to Equity 3.90 4.19 4.13 4.07 4.12
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 8.86 10.02 15.17 18.55 29.64 34.66 22.41 17.80 16.30 17.44 17.10 9.88 12.47 9.31 29.85 28.84 32.54 30.30 30.68 24.15
Quick Ratio
Current Ratio
Debt to Equity 3.90 7.87 8.12 8.16 4.19 8.66 9.32 8.23 4.13 8.42 8.40 8.32 4.07 8.08 8.38 8.29 4.12 7.82 7.37 8.25
Long-Term Debt to Equity

Profitability

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
ROA 0.76 0.64 1.03 1.03 0.84
ROE 3.72 3.33 5.30 5.20 4.32
Gross Margin 88.44 97.97
Operating Margin 4044.56 4232.74 3588.16 2343.67 2038.04
EBITDA Margin 4077.34 4720.26 3591.92 2347.56 2043.66
Net Profit Margin 762.46 727.24 988.20 910.99 743.80
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 0.62 0.37 0.17 0.49 0.25 0.26 0.92 0.65 0.37 0.81 0.48 0.25 0.67 0.43 0.20
ROE 5.49 3.41 1.56 4.70 2.54 2.38 8.66 6.12 3.42 7.34 4.55 2.34 5.89 3.59 1.89
Gross Margin 60.65 92.24 94.50 74.97 50.22
Operating Margin 3414.34 3524.93 3547.22 3347.91 2870.30 3032.92 2607.49 2530.83 2401.28 1316.18 1243.84 1234.98 1293.34 1304.46 1275.02
EBITDA Margin 3464.88 3698.50 4176.65 4296.84 4394.16 3357.75 2689.09 2537.72 2426.66 1561.28 1488.32 1358.28 1438.11 1609.88 1427.88
Net Profit Margin 762.86 734.02 670.83 678.89 550.67 859.35 1079.20 1159.74 1251.52 842.56 783.03 780.40 721.64 699.33 646.38

Dividends

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
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 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Assets 29,796,371.00 31,116,022.00 24,905,495.00 23,050,749.00 21,780,734.00
   Deposits 30,568,740.00 30,930,755.00 21,375,345.00 19,367,613.00 18,976,199.00
      Cash and Short-Term Investments 692,759.00 2,407,068.00 1,055,099.00 814,467.00 2,119,505.00
            Cash and Cash Equivalents 692,759.00 2,407,068.00 1,055,099.00 814,467.00 2,119,505.00
            Short-Term Investments 0 0 0 0 0
      Net Receivables 98,589.00 324,902.00 182,485.00 63,872.00 105,149.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 309,309.00 285,387.00 258,137.00 268,608.00 282,937.00
      Goodwill 414,722.00 411,360.00 304,750.00 303,457.00 303,457.00
      Intangible Assets 27,371.00 37,065.00 5,869.00 5,552.00 6,562.00
      Long-Term Investments 0 0 0 0 0
      Non-Current Deferred Assets 112,784.00 0 0 0 0
      Other Non-Current Assets 0 0 0 0 0
Liabilities 23,717,221.00 25,115,422.00 20,052,643.00 18,502,229.00 17,528,606.00
      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 6,079,150.00 6,000,600.00 4,852,852.00 4,548,520.00 4,252,128.00
   Shareholders Equity 9,118,725.00 9,000,900.00 7,279,278.00 6,822,780.00 6,378,192.00
      Capital Stock 454,408.00 454,007.00 436,467.00 436,271.00 435,993.00
      Share Premium 2,163,276.00 2,150,675.00 1,687,634.00 1,686,975.00 1,678,622.00
      Retained Earnings 2,105,702.00 1,978,898.00 1,867,749.00 1,688,740.00 1,528,611.00
      Treasury Shares 1,740,761.00 1,639,131.00 1,612,345.00 1,590,207.00 1,586,947.00
      Accumulated Other Comprehensive Income 56,950.00 55,851.00 46,921.00 52,481.00 69,785.00
   Minority Interest 0 0 0 0 0
Investments 4,188,240.00 3,053,849.00 2,542,202.00 2,626,036.00 2,456,095.00
Debt 1,920,539.00 3,419,743.00 23,422.00 27,974.00 29,569.00
Net Debt 1,227,780.00 1,012,675.00 0 0 0
Common Shares Outstanding 78,186.52 81,220.27 64,736.92 65,330.13 65,145.27
Preferred Shares Outstanding 300.00 300.00 300.00 300.00 300.00
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Revenues 29,650.00 27,507.00 26,050.00 25,942.00 24,686.00
Cost Of Revenue 0 0 0 3,000.00 500.00
Interest Income 1,539,565.00 1,511,788.00 1,099,445.00 839,209.00 684,010.00
Interest Expense 685,214.00 710,878.00 352,721.00 71,770.00 86,501.00
Net Interest 654,235.00 660,832.00 690,234.00 594,589.00 505,109.00
Non-Interest Income 71,247.00 60,692.00 52,201.00 66,372.00 60,561.00
Non-Interest Expense 427,463.00 448,272.00 376,035.00 358,575.00 332,459.00
Provisions for Credit Losses 0 0 0 3,000.00 500.00
Gross Profit 0 0 0 22,942.00 24,186.00
   Selling, General and Administrative Expenses 105,038.00 95,342.00 91,026.00 89,701.00 82,347.00
EBT 513,998.00 453,421.00 581,995.00 536,224.00 416,609.00
Income Tax 61,862.00 53,339.00 67,143.00 63,564.00 49,379.00
Net Income 226,068.00 200,041.00 257,426.00 236,330.00 183,615.00
EBIT 1,199,212.00 1,164,299.00 934,716.00 607,994.00 503,110.00
Deprecation and Amortization 9,718.00 134,103.00 980.00 1,010.00 1,387.00
EBITDA 1,208,930.00 1,298,402.00 935,696.00 609,004.00 504,497.00
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 80,184.40 74,244.32 65,192.51 65,287.65 72,529.19
Average Shares Outstanding Diluted 80,255.19 74,290.57 65,255.28 65,404.11 72,565.92
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Operating Cash Flow 442,846.00 582,358.00 278,019.00 447,909.00 413,193.00
   Operating Net Income 678,204.00 600,123.00 772,278.00 708,990.00 550,845.00
   Deprecation and Amortization 9,718.00 134,103.00 980.00 1,010.00 1,387.00
   Deferred Income Tax 11,146.00 -6,639.00 4,558.00 6,253.00 -9,881.00
   Share Based Compensation 17,040.00 9,181.00 7,914.00 6,808.00 6,381.00
   Change in Working Capital 17,523.00 -176,625.00 92,488.00 117,891.00 -176,374.00
   Other Operating Activities -290,785.00 22,215.00 -600,199.00 -393,043.00 40,835.00
Investing Cash Flow -318,414.00 3,300,391.00 -1,390,417.00 -2,493,164.00 -579,745.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 30,396.00 26,022.00 16,153.00 11,831.00 32,848.00
   Net Purchase/Sale of Investments Net 2,362,396.00 1,201,510.00 837,218.00 1,393,801.00 1,510,259.00
   Net Purchase/Sale of Business 360.00 -619,386.00 2,590.00 0 1,500.00
   Net Loan & Lease Activity 143,605.00 2,956,856.00 79,965.00 576,697.00 488,147.00
   Other Investing Activities -2,855,171.00 -264,611.00 -2,326,343.00 -4,475,493.00 -2,612,499.00
Financing Cash Flow -1,838,741.00 -2,530,780.00 1,353,030.00 740,217.00 525,882.00
   Net Issuance/Repayment of Debt 23,547,687.00 36,069,560.00 32,825,000.00 14,285,000.00 15,793,788.00
   Net Issuance/Repurchase of Equity 205,546.00 56,122.00 61,280.00 3,260.00 1,283,952.00
   Dividends Paid 198,528.00 177,784.00 156,834.00 152,402.00 144,508.00
   Other Financing Activities -25,790,502.00 -38,834,246.00 -31,690,084.00 -13,700,445.00 -16,696,366.00
Net Change in Cash -1,714,309.00 1,351,969.00 240,632.00 -1,305,038.00 387,832.00
   Cash at Beginning of Period 2,371,619.00 1,029,133.00 740,017.00 1,989,003.00 1,702,977.00
   Cash at End of Period 657,310.00 2,381,102.00 980,649.00 683,965.00 2,090,809.00
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 29,796,371.00 26,731,915.00 27,644,637.00 27,684,454.00 31,116,022.00 28,580,800.00 30,140,288.00 22,640,122.00 24,905,495.00 22,552,588.00 22,325,211.00 21,653,811.00 23,050,749.00 20,158,831.00 20,560,279.00 19,973,171.00 21,780,734.00 19,649,509.00 19,533,581.00 19,063,622.00
   Deposits 30,568,740.00 30,804,018.00 31,000,868.00 31,023,695.00 30,930,755.00 30,440,525.00 30,340,684.00 21,419,510.00 21,375,345.00 4,863,849.00 3,980,605.00 3,412,203.00 19,367,613.00 3,297,369.00 3,251,042.00 3,351,984.00 18,976,199.00 3,537,891.00 3,590,755.00 3,785,082.00
      Cash and Short-Term Investments 692,759.00 809,252.00 1,231,461.00 1,507,735.00 2,407,068.00 2,492,504.00 1,505,771.00 1,144,774.00 1,055,099.00 1,139,643.00 1,118,544.00 645,862.00 814,467.00 607,421.00 1,947,504.00 1,880,647.00 2,119,505.00 2,251,958.00 2,318,447.00 1,830,722.00
            Cash and Cash Equivalents 692,759.00 809,252.00 1,231,461.00 1,507,735.00 2,407,068.00 2,492,504.00 1,505,771.00 1,144,774.00 1,055,099.00 1,139,643.00 1,118,544.00 645,862.00 814,467.00 607,421.00 1,947,504.00 1,880,647.00 2,119,505.00 2,251,958.00 2,318,447.00 1,830,722.00
            Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
      Net Receivables 98,589.00 99,224.00 101,778.00 103,147.00 324,902.00 232,454.00 262,317.00 87,022.00 182,485.00 81,931.00 79,069.00 75,316.00 63,872.00 55,985.00 55,261.00 51,751.00 105,149.00 51,544.00 13,785,248.00 12,933,681.00
      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 309,309.00 254,403.00 250,896.00 248,924.00 285,387.00 244,529.00 243,465.00 237,202.00 258,137.00 237,339.00 236,054.00 240,360.00 268,608.00 244,232.00 247,166.00 253,488.00 282,937.00 255,765.00 259,560.00 256,242.00
      Goodwill 414,722.00 414,723.00 414,723.00 414,723.00 411,360.00 412,213.00 411,401.00 305,125.00 304,750.00 303,457.00 303,457.00 303,457.00 303,457.00 303,457.00 303,457.00 303,457.00 303,457.00 302,707.00 302,707.00 302,707.00
      Intangible Assets 27,371.00 29,568.00 31,937.00 34,490.00 37,065.00 40,042.00 42,138.00 0 5,869.00 0 0 0 5,552.00 0 0 0 6,562.00 0 0 0
      Long-Term Investments 0 0 0 0 0 0 0 0 0 35,088.00 34,260.00 0 0 0 0 0 0 0 0 0
      Non-Current Deferred Assets 112,784.00 120,104.00 122,739.00 111,830.00 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 23,717,221.00 23,717,590.00 24,612,017.00 24,662,818.00 25,115,422.00 25,622,461.00 27,218,382.00 20,188,118.00 20,052,643.00 20,158,522.00 19,950,094.00 19,329,430.00 18,502,229.00 17,938,720.00 18,368,578.00 17,824,045.00 17,528,606.00 17,422,269.00 17,200,628.00 17,001,855.00
      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 6,079,150.00 3,014,325.00 3,032,620.00 3,021,636.00 6,000,600.00 2,958,339.00 2,921,906.00 2,452,004.00 4,852,852.00 2,394,066.00 2,375,117.00 2,324,381.00 4,548,520.00 2,220,111.00 2,191,701.00 2,149,126.00 4,252,128.00 2,227,240.00 2,332,953.00 2,061,767.00
   Shareholders Equity 9,118,725.00 3,014,325.00 3,032,620.00 3,021,636.00 9,000,900.00 2,958,339.00 2,921,906.00 2,452,004.00 7,279,278.00 2,394,066.00 2,375,117.00 2,324,381.00 6,822,780.00 2,220,111.00 2,191,701.00 2,149,126.00 6,378,192.00 2,227,240.00 2,332,953.00 2,061,767.00
      Capital Stock 454,408.00 454,385.00 454,355.00 454,248.00 454,007.00 453,940.00 453,835.00 436,679.00 436,467.00 436,458.00 436,413.00 436,373.00 436,271.00 436,261.00 436,244.00 436,196.00 435,993.00 435,987.00 435,980.00 135,938.00
      Share Premium 2,163,276.00 2,160,793.00 2,158,037.00 2,154,929.00 2,150,675.00 2,146,149.00 2,143,343.00 1,691,102.00 1,687,634.00 1,685,587.00 1,683,720.00 1,689,209.00 1,686,975.00 1,685,219.00 1,683,578.00 1,680,637.00 1,678,622.00 1,677,163.00 1,675,772.00 1,680,111.00
      Retained Earnings 2,105,702.00 2,069,615.00 2,032,563.00 2,001,586.00 1,978,898.00 1,942,277.00 1,902,305.00 1,906,557.00 1,867,749.00 1,837,164.00 1,795,042.00 1,749,008.00 1,688,740.00 1,634,563.00 1,590,483.00 1,560,337.00 1,528,611.00 1,495,341.00 1,468,093.00 1,443,280.00
      Treasury Shares 1,740,761.00 1,711,999.00 1,663,739.00 1,642,480.00 1,639,131.00 1,638,943.00 1,629,512.00 1,629,348.00 1,612,345.00 1,612,494.00 1,583,880.00 1,591,935.00 1,590,207.00 1,590,159.00 1,590,082.00 1,589,920.00 1,586,947.00 1,446,371.00 1,328,068.00 1,238,997.00
      Accumulated Other Comprehensive Income 56,950.00 41,531.00 51,404.00 53,353.00 55,851.00 54,916.00 51,935.00 47,014.00 46,921.00 47,351.00 43,822.00 41,726.00 52,481.00 54,227.00 71,478.00 61,876.00 69,785.00 65,120.00 81,176.00 41,435.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 4,188,240.00 3,938,719.00 3,713,748.00 3,350,115.00 3,053,849.00 2,955,861.00 2,981,018.00 2,516,393.00 2,542,202.00 434,172.00 445,222.00 2,632,160.00 2,626,036.00 477,884.00 301,221.00 326,387.00 2,456,095.00 21,465,400.00 22,938,296.00 23,520,236.00
Debt 1,920,539.00 1,991,087.00 2,814,938.00 2,914,627.00 3,419,743.00 4,079,360.00 5,489,501.00 0 23,422.00 0 0 0 27,974.00 0 0 0 29,569.00 0 0 0
Net Debt 1,227,780.00 1,181,835.00 1,583,477.00 1,406,892.00 1,012,675.00 1,586,856.00 3,983,730.00 0 0 0 0 0 0 0 0 0 0 0 0 0
Common Shares Outstanding 78,186.52 79,130.28 80,758.67 81,373.76 81,220.27 81,157.17 81,405.39 64,254.70 64,736.92 64,721.19 65,793.10 65,387.75 65,330.13 65,321.87 65,306.93 65,263.74 65,145.27 69,472.42 73,084.59 75,867.10
Preferred Shares Outstanding 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 300.00 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
Revenues -13,190.00 21,691.00 14,103.00 7,046.00 -13,255.00 20,460.00 13,500.00 6,802.00 -12,045.00 19,201.00 12,541.00 6,353.00 -12,564.00 19,338.00 12,725.00 6,443.00 -11,513.00 18,187.00 11,986.00 6,026.00
Cost Of Revenue 0 0 0 0 0 0 0 0 0 0 0 2,500.00 2,500.00 0 0 500.00 -6,500.00 1,000.00 3,000.00 3,000.00
Interest Income -499,668.00 1,012,915.00 681,201.00 345,117.00 -378,343.00 997,613.00 605,672.00 286,846.00 -383,984.00 761,245.00 488,765.00 233,419.00 -80,935.00 468,426.00 301,278.00 150,440.00 -200,412.00 442,024.00 294,576.00 147,822.00
Interest Expense -397,918.00 528,586.00 364,860.00 189,686.00 -228,162.00 509,593.00 294,838.00 134,609.00 -63,535.00 234,708.00 130,928.00 50,620.00 -24,044.00 47,456.00 32,054.00 16,304.00 -59,706.00 68,871.00 50,028.00 27,308.00
Net Interest -301,866.00 484,329.00 316,341.00 155,431.00 -290,259.00 488,020.00 310,834.00 152,237.00 -376,939.00 526,537.00 357,837.00 182,799.00 -229,741.00 420,970.00 269,224.00 134,136.00 -233,106.00 373,153.00 244,548.00 120,514.00
Non-Interest Income -31,894.00 52,856.00 34,583.00 15,702.00 -25,848.00 44,814.00 27,559.00 14,167.00 -23,786.00 37,867.00 24,096.00 14,024.00 -38,539.00 51,890.00 34,340.00 18,681.00 -23,214.00 41,558.00 28,347.00 13,870.00
Non-Interest Expense -220,461.00 320,470.00 216,143.00 111,311.00 -218,851.00 340,331.00 230,252.00 96,540.00 -189,260.00 283,858.00 189,159.00 92,278.00 -174,501.00 265,433.00 178,030.00 89,613.00 -158,903.00 246,796.00 163,156.00 81,410.00
Provisions for Credit Losses 0 0 0 0 0 0 0 0 0 0 0 2,500.00 2,500.00 0 0 500.00 -6,500.00 1,000.00 3,000.00 3,000.00
Gross Profit 0 0 0 0 0 0 0 0 0 0 0 3,853.00 16,999.00 0 0 5,943.00 -5,013.00 17,187.00 8,986.00 3,026.00
   Selling, General and Administrative Expenses -48,639.00 77,737.00 50,960.00 24,980.00 -43,303.00 70,370.00 46,038.00 22,237.00 -45,778.00 68,239.00 46,134.00 22,431.00 -43,736.00 66,905.00 45,021.00 21,511.00 -44,381.00 62,713.00 42,592.00 21,423.00
EBT 109,467.00 212,019.00 132,261.00 60,251.00 113,689.00 175,390.00 92,652.00 71,690.00 27,642.00 265,957.00 186,463.00 101,933.00 139,667.00 207,066.00 126,225.00 63,266.00 94,411.00 166,349.00 106,324.00 49,525.00
Income Tax -26,412.00 46,548.00 28,742.00 12,984.00 -14,698.00 36,489.00 18,311.00 13,237.00 -55,040.00 58,739.00 41,020.00 22,424.00 -20,137.00 44,131.00 26,585.00 12,985.00 -18,802.00 35,105.00 22,502.00 10,574.00
Net Income -90,189.00 165,471.00 103,519.00 47,267.00 -71,654.00 138,901.00 74,341.00 58,453.00 -174,744.00 207,218.00 145,443.00 79,509.00 -76,526.00 162,935.00 99,640.00 50,281.00 -70,402.00 131,244.00 83,822.00 38,951.00
EBIT -288,451.00 740,605.00 497,121.00 249,937.00 -114,473.00 684,983.00 387,490.00 206,299.00 -35,893.00 500,665.00 317,391.00 152,553.00 115,623.00 254,522.00 158,279.00 79,570.00 34,705.00 235,220.00 156,352.00 76,833.00
Deprecation and Amortization -70,074.00 10,963.00 24,479.00 44,350.00 -287,863.00 194,150.00 205,721.00 22,095.00 -17,164.00 15,667.00 864.00 1,613.00 -85,442.00 47,398.00 31,110.00 7,944.00 -70,761.00 26,329.00 36,608.00 9,211.00
EBITDA -358,525.00 751,568.00 521,600.00 294,287.00 -402,336.00 879,133.00 593,211.00 228,394.00 -53,057.00 516,332.00 318,255.00 154,166.00 30,181.00 301,920.00 189,389.00 87,514.00 -36,056.00 261,549.00 192,960.00 86,044.00
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 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 0.00
Average Shares Outstanding Basic 77,515.52 80,748.84 81,179.00 81,294.23 93,576.52 71,905.92 67,197.35 64,297.50 64,653.73 65,348.71 65,425.62 65,341.97 65,414.28 65,274.49 65,253.99 65,207.84 64,431.56 74,315.91 75,576.29 75,792.99
Average Shares Outstanding Diluted 77,519.25 80,821.81 81,278.10 81,401.60 93,694.85 71,930.21 67,225.10 64,312.11 64,637.26 65,442.91 65,510.28 65,430.69 65,471.09 65,397.58 65,397.60 65,350.17 64,556.10 74,326.69 75,582.43 75,798.46
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
Operating Cash Flow 92,279.00 179,572.00 121,565.00 49,430.00 -149,976.00 342,612.00 279,462.00 110,260.00 -30,084.00 131,078.00 110,925.00 66,100.00 166,411.00 171,407.00 83,250.00 26,841.00 -135,438.00 249,697.00 204,755.00 94,179.00
   Operating Net Income 361,947.00 165,471.00 103,519.00 47,267.00 328,428.00 138,901.00 74,341.00 58,453.00 340,108.00 207,218.00 145,443.00 79,509.00 396,134.00 162,935.00 99,640.00 50,281.00 296,828.00 131,244.00 83,822.00 38,951.00
   Deprecation and Amortization -70,074.00 10,963.00 24,479.00 44,350.00 -243,673.00 194,150.00 205,721.00 -22,095.00 -17,164.00 15,667.00 864.00 1,613.00 -85,442.00 47,398.00 31,110.00 7,944.00 -70,761.00 26,329.00 36,608.00 9,211.00
   Deferred Income Tax 11,146.00 0 0 0 -6,639.00 0 0 0 4,558.00 0 0 0 6,253.00 0 0 0 -9,881.00 0 0 0
   Share Based Compensation 4,268.00 6,491.00 4,430.00 1,851.00 -5,729.00 7,437.00 5,180.00 2,293.00 -3,607.00 5,923.00 4,027.00 1,571.00 -3,744.00 5,316.00 3,846.00 1,390.00 -3,511.00 4,916.00 3,527.00 1,449.00
   Change in Working Capital 5,233.00 -18,759.00 13,782.00 17,267.00 9,230.00 -60,951.00 -32,397.00 -92,507.00 -5,087.00 68,027.00 4,318.00 25,230.00 -12,885.00 78,701.00 38,571.00 13,504.00 209,992.00 -163,627.00 -156,377.00 -66,362.00
   Other Operating Activities -220,241.00 15,406.00 -24,645.00 -61,305.00 -231,593.00 63,075.00 26,617.00 164,116.00 -348,892.00 -165,757.00 -43,727.00 -41,823.00 -133,905.00 -122,943.00 -89,917.00 -46,278.00 -558,105.00 250,835.00 237,175.00 110,930.00
Investing Cash Flow 1,184,364.00 -259,655.00 -728,546.00 -514,577.00 38,155.00 2,924,271.00 408,992.00 -71,027.00 1,965,167.00 -1,286,514.00 -1,137,031.00 -932,039.00 1,064,457.00 -1,982,890.00 -1,027,959.00 -546,772.00 278,912.00 -420,276.00 -236,201.00 -202,180.00
   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 0.00
   Net Purchase/Sale of PPE -10,048.00 18,620.00 13,689.00 8,135.00 -15,381.00 18,823.00 13,964.00 8,616.00 13,878.00 947.00 664.00 664.00 11,747.00 41.00 41.00 2.00 26,096.00 3,376.00 3,376.00 0
   Net Purchase/Sale of Investments Net -1,176,075.00 1,788,197.00 1,192,628.00 557,646.00 -376,787.00 847,393.00 606,342.00 124,562.00 -409,334.00 693,120.00 319,890.00 233,542.00 -482,024.00 1,181,639.00 480,150.00 214,036.00 -1,517,076.00 1,305,915.00 1,068,191.00 653,229.00
   Net Purchase/Sale of Business -720.00 360.00 360.00 360.00 629,220.00 -623,583.00 -625,773.00 750.00 1,805.00 785.00 0 0 0 0 0 0 1,500.00 0 0 0
   Net Loan & Lease Activity 143,605.00 2,956,856.00 79,965.00 576,697.00 488,147.00
   Other Investing Activities 2,639,143.00 -2,207,168.00 -2,072,787.00 -1,214,359.00 -590,962.00 116,847.00 414,459.00 -204,955.00 2,516,267.00 -2,061,331.00 -1,537,550.00 -1,243,729.00 2,473,885.00 -3,741,267.00 -2,033,975.00 -1,174,136.00 1,765,876.00 -2,141,990.00 -1,380,976.00 -855,409.00
Financing Cash Flow 603,906.00 -1,491,767.00 -542,660.00 -408,220.00 -737,312.00 -1,755,028.00 -163,332.00 124,892.00 -2,546,605.00 1,611,114.00 1,460,685.00 827,836.00 -699,051.00 328,095.00 801,404.00 309,769.00 -1,076,340.00 719,560.00 646,916.00 235,746.00
   Net Issuance/Repayment of Debt -9,561,201.00 17,120,587.00 11,244,900.00 4,743,401.00 -31,326,799.00 33,008,961.00 22,512,398.00 11,875,000.00 -18,225,000.00 25,525,000.00 17,675,000.00 7,850,000.00 1,665,000.00 8,520,000.00 2,700,000.00 1,400,000.00 -12,633,816.00 12,963,788.00 9,963,802.00 5,500,014.00
   Net Issuance/Repurchase of Equity 102,968.00 73,750.00 25,223.00 3,605.00 -6,632.00 27,599.00 17,862.00 17,293.00 27,266.00 30,450.00 1,836.00 1,728.00 -6,060.00 3,212.00 3,135.00 2,973.00 398,754.00 501,400.00 383,097.00 701.00
   Dividends Paid 49,341.00 74,754.00 49,854.00 24,579.00 53,980.00 64,373.00 39,786.00 19,645.00 39,658.00 58,794.00 39,141.00 19,241.00 39,095.00 56,984.00 37,768.00 18,555.00 40,865.00 53,153.00 33,913.00 16,577.00
   Other Financing Activities 10,012,798.00 -18,760,858.00 -11,862,637.00 -5,179,805.00 30,542,139.00 -34,855,961.00 -22,733,378.00 -11,787,046.00 15,611,471.00 -24,003,130.00 -16,255,292.00 -7,043,133.00 -2,397,086.00 -8,252,101.00 -1,939,499.00 -1,111,759.00 11,117,857.00 -12,798,781.00 -9,733,896.00 -5,281,546.00
Net Change in Cash 1,880,549.00 -1,571,850.00 -1,149,641.00 -873,367.00 -849,133.00 1,511,855.00 525,122.00 164,125.00 -611,522.00 455,678.00 434,579.00 -38,103.00 531,817.00 -1,483,388.00 -143,305.00 -210,162.00 -904,364.00 548,981.00 615,470.00 127,745.00
   Cash at Beginning of Period -1,223,239.00 2,381,102.00 2,381,102.00 2,381,102.00 3,230,235.00 980,649.00 980,649.00 980,649.00 1,592,171.00 683,965.00 683,965.00 683,965.00 152,148.00 2,090,809.00 2,090,809.00 2,090,809.00 2,995,173.00 1,702,977.00 1,702,977.00 1,702,977.00
   Cash at End of Period 657,310.00 809,252.00 1,231,461.00 1,507,735.00 2,381,102.00 2,492,504.00 1,505,771.00 1,144,774.00 980,649.00 1,139,643.00 1,118,544.00 645,862.00 683,965.00 607,421.00 1,947,504.00 1,880,647.00 2,090,809.00 2,251,958.00 2,318,447.00 1,830,722.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0