WASH

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings -19.23 11.48 11.40 12.72 11.12
Price to Sales 5.34 2.85 3.72 4.26 3.41
Book Value Per Common Share 77.78 83.26 79.21 97.77 92.82
Price to Book 0.40 0.39 0.60 0.58 0.48
Price to Operating Cash Flow 5.55 7.97 4.86 6.75 10.11
Price to Free Cash Flow
Enterprise Value to EBITDA 43104.03 23679.44 60512.52 82062.39 28984.82
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 15.29 21.42 48.98 16.78 21.41 42.00 12.78 19.01 46.21 14.62 23.03 55.26 16.20 23.45 43.75
Price to Sales 3.27 4.81 10.07 3.77 4.81 9.38 3.05 4.65 11.72 4.91 7.93 17.41 5.37 7.78 15.16
Book Value Per Common Share 27.98 27.36 27.06 77.78 29.44 27.61 27.41 83.26 25.35 26.98 27.37 79.21 25.17 27.73 29.61 97.77 32.06 31.63 30.83 92.82
Price to Book 1.03 1.03 1.14 0.40 1.09 0.99 0.98 0.39 1.04 0.99 1.27 0.60 1.85 1.74 1.77 0.58 1.65 1.62 1.67 0.48
Price to Operating Cash Flow 9.35 27.55 70.39 14.14 35.58 234.97 22.48 -46.14 53.34 11.17 16.23 23.60 8.57 14.94 -265.04
Price to Free Cash Flow
Enterprise Value to EBITDA 31034.50 45411.00 99124.04 26370.59 33877.84 66776.45 26639.04 43076.98 120473.03 87266.47 147728.84 357775.72 103447.30 148789.36 276431.63

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -31.88 -6.55 9.93
Revenue YoY -47.91 -11.60 -4.47 0.86
EBITDA YoY -39.81 73.84 12.53 -55.39
Net Profit YoY -77.66 -32.79 -6.75 0.04
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 43.18 109.52 50.00 100.00 46.10 88.00 51.43 121.05 49.32 85.59
Revenue YoY 49.83 91.87 50.00 98.81 49.82 94.75 54.77 102.14 49.56 94.06
EBITDA YoY 47.72 100.11 50.96 101.29 58.81 116.75 62.49 121.31 48.39 84.93
Net Profit YoY 42.66 108.75 50.49 98.89 46.37 87.86 51.23 121.08 44.35 79.65

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 6.64 5.29 6.87 10.31 11.70
Quick Ratio
Current Ratio
Debt to Equity 0.81 0.82 0.82 0.76 0.77
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 10.00 8.70 6.24 5.91 12.36 6.31 6.20 5.30 6.63 7.53 8.10 6.89 7.69 5.70 13.16 10.30 17.36 7.64 9.88 11.72
Quick Ratio
Current Ratio
Debt to Equity 11.60 11.79 11.62 0.81 13.22 14.25 14.53 0.82 15.65 14.27 13.75 0.82 13.82 11.55 10.40 0.76 9.81 9.68 9.72 0.77
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.07 0.32 0.52 0.63 0.64
ROE 0.14 0.59 0.95 1.10 1.13
Gross Margin 85.86 98.16 99.35 97.99 94.83
Operating Margin 133.72 118.01 59.31 50.15 115.82
EBITDA Margin 139.27 120.52 61.29 52.02 117.62
Net Profit Margin 10.69 24.93 32.79 33.59 33.87
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
ROA 0.54 0.38 0.18 0.46 0.30 0.15 0.49 0.34 0.19 0.86 0.61 0.28 1.03 0.73 0.42
ROE 6.80 4.82 2.33 6.52 4.62 2.34 8.17 5.24 2.76 12.75 7.65 3.21 11.11 7.80 4.46
Gross Margin 73.85 91.47 88.73 98.83 98.56 98.16 98.44 98.58 98.42 98.58 97.23 98.86 98.29 96.68
Operating Margin 102.22 103.68 99.40 140.62 139.69 137.95 111.75 105.31 94.46 53.99 51.30 46.65 50.05 50.49 53.14
EBITDA Margin 104.48 105.97 101.60 143.09 142.18 140.42 114.22 107.75 96.81 55.95 53.29 48.67 51.94 52.35 54.93
Net Profit Margin 21.36 22.43 20.62 22.48 22.41 22.40 23.92 24.48 25.38 33.71 34.50 31.55 36.12 37.42 40.42

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 14,395,714.00 14,911,359.00 13,806,965.00 12,299,862.00 11,992,846.00
   Deposits 9,569,824.00 10,002,574.00 9,178,971.00 9,014,873.00 7,924,419.00
      Cash and Short-Term Investments 113,889.00 90,184.00 118,422.00 178,493.00 202,268.00
            Cash and Cash Equivalents 109,902.00 86,824.00 115,492.00 175,259.00 194,143.00
            Short-Term Investments 3,987.00 3,360.00 2,930.00 3,234.00 8,125.00
      Net Receivables 62,122,571.00 5,636,361.00 5,098,561.00 4,262,514.00 4,183,598.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 63,216.00 61,655.00 58,706.00 55,600.00 58,391.00
      Goodwill 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00
      Intangible Assets 2,885.00 3,711.00 4,554.00 5,414.00 6,305.00
      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 6,430,919.00 6,730,161.00 6,239,576.00 5,319,119.00 5,211,287.00
      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 2,900.00 3,100.00 3,300.00 3,100.00 2,900.00
      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 7,964,795.00 8,181,198.00 7,567,389.00 6,980,743.00 6,781,559.00
   Shareholders Equity 1,499,184.00 1,418,058.00 1,361,007.00 1,694,424.00 1,602,585.00
      Capital Stock 1,223.00 1,085.00 1,085.00 1,085.00 1,085.00
      Share Premium 196,947.00 126,150.00 127,056.00 126,511.00 125,610.00
      Retained Earnings 434,014.00 501,917.00 492,043.00 458,310.00 418,246.00
      Treasury Shares 13,285.00 15,313.00 -8,715.00 -1,117.00 3,355.00
      Accumulated Other Comprehensive Income -357,513.00 -423,459.00 -631,200.00 -79,924.00 -29,564.00
   Minority Interest 0 0 0 0 0
Investments 46,219,161.00 4,316,780.00 4,273,442.00 4,174,670.00 8,125.00
Debt 168,925.00 161,226.00 158,227.00 160,115.00 161,304.00
Net Debt 55,036.00 71,042.00 39,805.00 0 0
Common Shares Outstanding 19,273.58 17,030.99 17,182.75 17,330.82 17,265.34
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 100,651.00 193,238.00 218,592.00 228,829.00 226,886.00
Cost Of Revenue 14,231.00 3,550.00 1,429.00 4,601.00 11,736.00
Interest Income 688,333.00 313,634.00 196,089.00 158,176.00 170,395.00
Interest Expense 212,230.00 171,561.00 38,475.00 16,560.00 42,492.00
Net Interest 128,448.00 137,098.00 155,990.00 141,435.00 127,444.00
Non-Interest Income -55,594.00 56,140.00 62,602.00 87,394.00 99,442.00
Non-Interest Expense 137,069.00 133,557.00 128,722.00 135,464.00 125,384.00
Provisions for Credit Losses 14,231.00 3,550.00 -1,429.00 -4,601.00 11,736.00
Gross Profit 86,420.00 189,688.00 217,163.00 224,228.00 215,150.00
   Selling, General and Administrative Expenses 31,078.00 16,089.00 14,840.00 13,368.00 13,449.00
EBT -77,636.00 56,481.00 91,170.00 98,187.00 220,276.00
Income Tax 21,062.00 17,152.00 39,251.00 42,864.00 38,414.00
Net Income 10,761.00 48,176.00 71,681.00 76,870.00 76,836.00
EBIT 134,594.00 228,042.00 129,645.00 114,747.00 262,768.00
Deprecation and Amortization 5,586.00 4,848.00 4,325.00 4,301.00 4,090.00
EBITDA 140,180.00 232,890.00 133,970.00 119,048.00 266,858.00
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 17,149.00 17,033.00 17,246.00 17,310.00 17,282.00
Average Shares Outstanding Diluted 17,149.00 17,062.00 17,381.00 17,455.00 17,402.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 96,811.00 69,209.00 167,499.00 144,620.00 76,589.00
   Operating Net Income -112,236.00 192,704.00 286,724.00 307,480.00 279,316.00
   Deprecation and Amortization 5,586.00 4,848.00 4,325.00 4,301.00 4,090.00
   Deferred Income Tax -16,744.00 -3,746.00 1,165.00 2,131.00 -3,130.00
   Share Based Compensation 2,473.00 2,064.00 3,247.00 3,316.00 3,766.00
   Change in Working Capital 18,227.00 -8,511.00 65,049.00 -78,732.00 106,944.00
   Other Operating Activities 199,505.00 -118,150.00 -193,011.00 -93,876.00 -314,397.00
Investing Cash Flow 160,466.00 -551,103.00 -998,320.00 -241,549.00 -264,240.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 5,670.00 5,048.00 6,139.00 3,490.00 3,406.00
   Net Purchase/Sale of Investments Net 660,778.00 93,229.00 127,613.00 673,294.00 896,327.00
   Net Purchase/Sale of Business 0 0 0 50.00 1,400.00
   Net Loan & Lease Activity -165,858.00 537,467.00 832,450.00 27,921.00 241,418.00
   Other Investing Activities -340,124.00 -1,186,847.00 -1,964,522.00 -946,304.00 -1,406,791.00
Financing Cash Flow -233,174.00 442,800.00 778,017.00 79,786.00 251,284.00
   Net Issuance/Repayment of Debt 4,835,000.00 6,820,000.00 5,477,224.00 3,037,212.00 4,524,605.00
   Net Issuance/Repurchase of Equity 70,521.00 16,120.00 17,316.00 -354.00 7,704.00
   Dividends Paid 38,397.00 38,631.00 37,647.00 36,349.00 35,499.00
   Other Financing Activities -5,177,092.00 -6,431,951.00 -4,754,170.00 -2,993,421.00 -4,316,524.00
Net Change in Cash 24,103.00 -39,094.00 -52,804.00 -23,775.00 63,813.00
   Cash at Beginning of Period 89,786.00 129,278.00 171,226.00 202,268.00 138,455.00
   Cash at End of Period 113,889.00 90,184.00 118,422.00 178,493.00 202,268.00
Free Cash Flow 0 0 0 0 0
Breakdown 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31
Assets 6,717,921.00 6,745,167.00 6,586,015.00 14,395,714.00 7,141,571.00 7,184,360.00 7,249,124.00 14,911,359.00 7,183,475.00 7,011,760.00 6,859,182.00 13,806,965.00 6,408,051.00 5,982,891.00 5,847,999.00 12,299,862.00 6,002,643.00 5,851,980.00 5,719,389.00 11,992,846.00
   Deposits 9,774,363.00 9,443,912.00 9,455,572.00 9,569,824.00 9,678,074.00 9,306,591.00 10,046,857.00 10,002,574.00 10,057,865.00 9,870,714.00 9,707,265.00 9,178,971.00 9,201,142.00 9,124,277.00 9,343,910.00 9,014,873.00 9,165,310.00 8,549,517.00 8,165,285.00 7,924,419.00
      Cash and Short-Term Investments 192,331.00 167,724.00 120,239.00 113,889.00 210,743.00 107,531.00 105,588.00 90,184.00 113,009.00 128,316.00 138,280.00 118,422.00 132,839.00 98,623.00 228,096.00 178,493.00 300,388.00 132,206.00 170,743.00 202,268.00
            Cash and Cash Equivalents 179,490.00 163,579.00 116,198.00 109,902.00 206,971.00 103,877.00 102,136.00 86,824.00 109,432.00 124,877.00 134,989.00 115,492.00 130,066.00 95,544.00 224,807.00 175,259.00 297,039.00 127,743.00 166,960.00 194,143.00
            Short-Term Investments 12,841.00 4,145.00 4,041.00 3,987.00 3,772.00 3,654.00 3,452.00 3,360.00 3,577.00 3,439.00 3,291.00 2,930.00 2,773.00 3,079.00 3,289.00 3,234.00 3,349.00 4,463.00 3,783.00 8,125.00
      Net Receivables 61,978,007.00 62,403,208.00 61,493,346.00 62,122,571.00 5,494,569.00 5,617,222.00 5,675,193.00 5,636,361.00 5,601,382.00 5,374,783.00 5,219,974.00 5,098,561.00 4,841,344.00 4,471,265.00 4,276,816.00 4,262,514.00 4,276,856.00 4,291,345.00 4,183,754.00 4,183,598.00
      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 71,033.00 71,152.00 72,116.00 63,216.00 59,757.00 60,253.00 61,130.00 61,655.00 59,858.00 61,224.00 57,889.00 58,706.00 57,940.00 57,792.00 57,694.00 55,600.00 56,006.00 57,360.00 57,714.00 58,391.00
      Goodwill 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00 63,909.00
      Intangible Assets 4,458.00 2,478.00 2,682.00 2,885.00 3,089.00 3,295.00 3,503.00 3,711.00 3,919.00 4,130.00 4,342.00 4,554.00 4,766.00 4,981.00 5,198.00 5,414.00 5,631.00 5,853.00 6,079.00 6,305.00
      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 6,184,900.00 6,217,648.00 6,064,335.00 6,430,919.00 6,639,342.00 6,713,403.00 6,782,204.00 6,730,161.00 6,752,071.00 6,552,599.00 6,394,199.00 6,239,576.00 5,975,777.00 5,506,257.00 5,334,807.00 5,319,119.00 5,447,325.00 5,304,124.00 5,185,790.00 5,211,287.00
      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 3,100.00 0 0 2,900.00 0 0 0 3,100.00 0 0 0 3,300.00 0 0 0 3,100.00 3,100.00 3,000.00 2,900.00 2,900.00
      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 533,021.00 527,519.00 521,680.00 7,964,795.00 502,229.00 470,957.00 466,920.00 8,181,198.00 431,404.00 459,161.00 464,983.00 7,567,389.00 432,274.00 476,634.00 513,192.00 6,980,743.00 555,318.00 547,856.00 533,599.00 6,781,559.00
   Shareholders Equity 533,021.00 527,519.00 521,680.00 1,499,184.00 502,229.00 470,957.00 466,920.00 1,418,058.00 431,404.00 459,161.00 464,983.00 1,361,007.00 432,274.00 476,634.00 513,192.00 1,694,424.00 555,318.00 547,856.00 533,599.00 1,602,585.00
      Capital Stock 1,223.00 1,223.00 1,223.00 1,223.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00 1,085.00
      Share Premium 198,058.00 197,392.00 197,570.00 196,947.00 126,698.00 125,898.00 126,785.00 126,150.00 126,310.00 125,685.00 127,734.00 127,056.00 127,055.00 126,079.00 127,355.00 126,511.00 126,265.00 125,442.00 124,882.00 125,610.00
      Retained Earnings 437,545.00 437,520.00 435,233.00 434,014.00 505,654.00 504,350.00 503,175.00 501,917.00 498,521.00 496,996.00 495,231.00 492,043.00 485,163.00 475,889.00 465,295.00 458,310.00 447,566.00 437,927.00 429,598.00 418,246.00
      Treasury Shares 18,977.00 12,667.00 13,167.00 13,285.00 14,050.00 14,050.00 15,212.00 15,313.00 15,778.00 15,778.00 17,307.00 -8,715.00 9,274.00 8,378.00 1,092.00 -1,117.00 1,470.00 1,470.00 1,960.00 3,355.00
      Accumulated Other Comprehensive Income -254,484.00 -287,847.00 -297,537.00 -357,513.00 -351,474.00 -438,978.00 -446,739.00 -423,459.00 -536,202.00 -446,481.00 -425,280.00 -631,200.00 -515,265.00 -354,123.00 -238,353.00 -79,924.00 -54,384.00 -45,384.00 -60,018.00 -29,564.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 46,012,087.00 46,384,015.00 45,557,786.00 46,219,161.00 4,199,136.00 4,109,866.00 4,176,592.00 4,316,780.00 4,131,237.00 4,378,471.00 4,528,879.00 4,273,442.00 3,933,065.00 4,084,955.00 4,036,025.00 4,174,670.00 4,186,681.00 4,463.00 3,783.00 8,125.00
Debt 133,935.00 132,897.00 132,910.00 168,925.00 114,107.00 114,998.00 115,693.00 161,226.00 113,914.00 113,710.00 111,100.00 158,227.00 113,077.00 113,375.00 113,861.00 160,115.00 115,444.00 116,152.00 115,946.00 161,304.00
Net Debt 0 0 12,671.00 55,036.00 0 7,467.00 10,105.00 71,042.00 905.00 0 0 39,805.00 0 14,752.00 0 0 0 0 0 0
Common Shares Outstanding 19,050.02 19,283.42 19,276.15 19,273.58 17,058.41 17,058.41 17,033.17 17,030.99 17,019.24 17,019.24 16,985.87 17,182.75 17,171.15 17,189.90 17,331.56 17,330.82 17,320.45 17,320.45 17,306.13 17,265.34
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 169,797.00 113,328.00 59,065.00 -190,857.00 145,607.00 97,073.00 48,828.00 -102,817.00 147,278.00 98,301.00 50,476.00 -102,737.00 163,462.00 105,617.00 52,250.00 -114,990.00 170,782.00 114,192.00 58,845.00
Cost Of Revenue 44,409.00 9,663.00 6,656.00 10,231.00 1,700.00 1,400.00 900.00 -950.00 2,300.00 1,400.00 800.00 -3,829.00 2,329.00 2,929.00 0 -1,252.00 1,951.00 1,951.00 1,951.00
Interest Income 483,005.00 319,640.00 160,919.00 163,629.00 264,506.00 173,746.00 86,452.00 -130,945.00 228,406.00 146,341.00 69,832.00 -56,831.00 133,473.00 80,832.00 38,615.00 -73,506.00 116,760.00 76,881.00 38,041.00
Interest Expense 126,814.00 84,702.00 43,041.00 -112,691.00 163,327.00 108,003.00 53,591.00 -53,576.00 120,269.00 73,299.00 31,569.00 9,013.00 18,056.00 7,960.00 3,446.00 -10,712.00 12,944.00 9,191.00 5,137.00
Net Interest 112,440.00 73,607.00 36,422.00 -61,979.00 95,512.00 63,250.00 31,665.00 -75,232.00 104,444.00 70,693.00 37,193.00 -66,355.00 114,648.00 72,606.00 35,091.00 -62,756.00 103,695.00 67,625.00 32,871.00
Non-Interest Income 57,357.00 39,721.00 22,643.00 -156,675.00 50,095.00 33,823.00 17,163.00 -27,585.00 42,834.00 27,608.00 13,283.00 -36,382.00 48,814.00 33,011.00 17,159.00 -52,234.00 67,087.00 46,567.00 25,974.00
Non-Interest Expense 114,452.00 78,726.00 42,196.00 -68,344.00 102,777.00 68,273.00 34,363.00 -67,557.00 100,970.00 66,580.00 33,564.00 -60,156.00 95,363.00 62,296.00 31,219.00 -67,219.00 100,245.00 67,725.00 34,713.00
Provisions for Credit Losses 44,409.00 9,663.00 6,656.00 10,231.00 1,700.00 1,400.00 900.00 -950.00 2,300.00 1,400.00 800.00 3,829.00 -2,329.00 -2,929.00 0 1,252.00 -1,951.00 -1,951.00 -1,951.00
Gross Profit 125,388.00 103,665.00 52,409.00 -201,088.00 143,907.00 95,673.00 47,928.00 -101,867.00 144,978.00 96,901.00 49,676.00 -46,658.00 161,133.00 102,688.00 0 -113,738.00 168,831.00 112,241.00 56,894.00
   Selling, General and Administrative Expenses 24,358.00 16,012.00 7,802.00 7,943.00 11,706.00 7,614.00 3,815.00 -7,010.00 11,796.00 7,562.00 3,741.00 -6,299.00 10,722.00 6,996.00 3,421.00 -5,493.00 9,687.00 6,227.00 2,947.00
EBT 46,745.00 32,802.00 15,669.00 -160,431.00 41,430.00 27,600.00 13,765.00 -34,160.00 44,308.00 30,221.00 16,112.00 -46,181.00 70,199.00 46,221.00 20,931.00 -48,949.00 72,537.00 48,467.00 26,132.00
Income Tax 10,475.00 7,378.00 3,490.00 3,686.00 8,698.00 5,849.00 2,829.00 -1,380.00 9,079.00 6,153.00 3,300.00 9,931.00 15,091.00 9,781.00 4,448.00 10,812.00 15,855.00 10,536.00 5,661.00
Net Income 36,270.00 25,424.00 12,179.00 -54,658.00 32,732.00 21,751.00 10,936.00 -23,933.00 35,229.00 24,068.00 12,812.00 -36,350.00 55,108.00 36,440.00 16,483.00 -51,325.00 61,681.00 42,729.00 23,785.00
EBIT 173,559.00 117,504.00 58,710.00 -273,122.00 204,757.00 135,603.00 67,356.00 -87,736.00 164,577.00 103,520.00 47,681.00 -37,168.00 88,255.00 54,181.00 24,377.00 -59,661.00 85,481.00 57,658.00 31,269.00
Deprecation and Amortization 3,837.00 2,584.00 1,302.00 -1,634.00 3,597.00 2,414.00 1,209.00 -2,383.00 3,641.00 2,403.00 1,187.00 -2,035.00 3,202.00 2,103.00 1,055.00 -2,094.00 3,223.00 2,118.00 1,054.00
EBITDA 177,396.00 120,088.00 60,012.00 -274,756.00 208,354.00 138,017.00 68,565.00 -90,119.00 168,218.00 105,923.00 48,868.00 -39,203.00 91,457.00 56,284.00 25,432.00 -61,755.00 88,704.00 59,776.00 32,323.00
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 19,229.00 19,280.00 19,276.00 17,473.00 17,048.00 17,042.00 17,033.00 16,982.00 17,034.00 17,042.00 17,074.00 17,067.00 17,269.00 17,317.00 17,331.00 17,367.00 17,303.00 17,295.00 17,275.00
Average Shares Outstanding Diluted 19,329.00 19,372.00 19,370.00 17,325.00 17,115.00 17,082.00 17,074.00 16,930.00 17,063.00 17,085.00 17,170.00 17,202.00 17,389.00 17,451.00 17,482.00 17,493.00 17,451.00 17,445.00 17,431.00
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 59,412.00 19,792.00 8,450.00 42,886.00 38,848.00 13,129.00 1,948.00 48,064.00 19,953.00 -9,902.00 11,094.00 5,492.00 71,845.00 51,600.00 38,562.00 -18,360.00 106,920.00 59,426.00 -3,366.00
   Operating Net Income 108,810.00 76,272.00 36,537.00 -308,493.00 98,196.00 65,253.00 32,808.00 -23,623.00 105,687.00 72,204.00 38,436.00 -37,369.00 165,324.00 109,320.00 49,449.00 -37,772.00 170,046.00 113,793.00 61,413.00
   Deprecation and Amortization 3,837.00 2,584.00 1,302.00 -1,634.00 3,597.00 2,414.00 1,209.00 -2,383.00 3,641.00 2,403.00 1,187.00 -2,035.00 3,202.00 2,103.00 1,055.00 -2,094.00 3,223.00 2,118.00 1,054.00
   Deferred Income Tax 0 0 0 -16,744.00 0 0 0 -3,746.00 0 0 0 1,165.00 0 0 0 2,131.00 0 0 0
   Share Based Compensation 2,486.00 1,653.00 780.00 -1,636.00 2,078.00 1,278.00 753.00 -1,308.00 1,569.00 945.00 858.00 -1,843.00 2,589.00 1,613.00 888.00 -2,189.00 2,705.00 1,882.00 918.00
   Change in Working Capital -25,898.00 -17,666.00 -19,582.00 20,373.00 -5,777.00 -2,927.00 6,558.00 -93,874.00 57,915.00 22,707.00 4,741.00 54,689.00 53,185.00 3,564.00 -46,389.00 119,082.00 -70,805.00 -60,961.00 -66,048.00
   Other Operating Activities -29,823.00 -43,051.00 -10,587.00 351,020.00 -59,246.00 -52,889.00 -39,380.00 172,998.00 -148,859.00 -108,161.00 -34,128.00 -9,115.00 -152,455.00 -65,000.00 33,559.00 -97,518.00 1,751.00 2,594.00 -703.00
Investing Cash Flow 285,663.00 250,966.00 358,958.00 -25,706.00 177,086.00 35,797.00 -26,711.00 446,619.00 -523,526.00 -306,829.00 -167,367.00 75,601.00 -723,761.00 -312,717.00 -37,443.00 384,134.00 -289,849.00 -273,096.00 -62,738.00
   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 14,793.00 12,269.00 11,868.00 -4,059.00 5,188.00 3,915.00 626.00 -2,640.00 3,524.00 3,020.00 1,144.00 -1,000.00 3,824.00 2,481.00 834.00 -1,415.00 2,166.00 1,828.00 911.00
   Net Purchase/Sale of Investments Net 62,364.00 37,896.00 15,650.00 554,812.00 55,353.00 35,223.00 15,390.00 -75,104.00 75,934.00 55,792.00 36,607.00 -110,067.00 108,617.00 85,291.00 43,772.00 -611,800.00 565,835.00 454,110.00 265,149.00
   Net Purchase/Sale of Business 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50.00 0 0 0
   Net Loan & Lease Activity -165,858.00 537,467.00 832,450.00 27,921.00 241,418.00
   Other Investing Activities -73,905.00 -88,748.00 86,727.00 -529,145.00 251,178.00 16,821.00 -78,978.00 865,571.00 -1,097,893.00 -632,798.00 -321,727.00 138,794.00 -1,408,152.00 -604,415.00 -90,749.00 1,097,923.00 -937,871.00 -785,128.00 -321,228.00
Financing Cash Flow -266,633.00 -216,923.00 -361,058.00 -146,387.00 -95,375.00 -31,579.00 40,167.00 -558,116.00 498,160.00 326,625.00 176,131.00 -57,976.00 606,262.00 181,247.00 48,484.00 -379,450.00 281,049.00 143,608.00 34,579.00
   Net Issuance/Repayment of Debt 3,308,000.00 2,168,000.00 815,000.00 -3,845,000.00 3,830,000.00 3,180,000.00 1,670,000.00 -4,805,000.00 5,650,000.00 3,910,000.00 2,065,000.00 279,000.00 3,337,224.00 1,377,000.00 484,000.00 -2,838,269.00 2,717,267.00 2,203,267.00 954,947.00
   Net Issuance/Repurchase of Equity 6,397.00 2.00 -39.00 71,072.00 -267.00 -267.00 -17.00 -8,797.00 8,104.00 8,103.00 8,710.00 719.00 8,756.00 7,860.00 -19.00 227.00 -165.00 -165.00 -251.00
   Dividends Paid 32,602.00 21,781.00 10,800.00 -19,268.00 28,838.00 19,278.00 9,549.00 -19,593.00 29,063.00 19,512.00 9,649.00 -19,116.00 28,342.00 19,025.00 9,396.00 -18,237.00 27,308.00 18,266.00 9,012.00
   Other Financing Activities -3,613,632.00 -2,406,706.00 -1,186,819.00 3,646,809.00 -3,953,946.00 -3,230,590.00 -1,639,365.00 4,275,274.00 -5,189,007.00 -3,610,990.00 -1,907,228.00 -318,579.00 -2,768,060.00 -1,222,638.00 -444,893.00 2,476,829.00 -2,463,361.00 -2,077,760.00 -929,129.00
Net Change in Cash 78,442.00 53,835.00 6,350.00 -129,207.00 120,559.00 17,347.00 15,404.00 -63,433.00 -5,413.00 9,894.00 19,858.00 23,117.00 -45,654.00 -79,870.00 49,603.00 -20,308.00 98,120.00 -70,062.00 -31,525.00
   Cash at Beginning of Period 113,889.00 113,889.00 113,889.00 243,096.00 90,184.00 90,184.00 90,184.00 153,617.00 118,422.00 118,422.00 118,422.00 95,305.00 178,493.00 178,493.00 178,493.00 198,801.00 202,268.00 202,268.00 202,268.00
   Cash at End of Period 192,331.00 167,724.00 120,239.00 113,889.00 210,743.00 107,531.00 105,588.00 90,184.00 113,009.00 128,316.00 138,280.00 118,422.00 132,839.00 98,623.00 228,096.00 178,493.00 300,388.00 132,206.00 170,743.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0