WSBC

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 14.40 12.50 12.20 9.88 16.83
Price to Sales 198.90 184.96 233.17 332.60 76.53
Book Value Per Common Share 124.01 126.60 120.97 131.69 125.14
Price to Book 0.26 0.25 0.31 0.27 0.24
Price to Operating Cash Flow 8.50 7.58 5.96 3.90 16.61
Price to Free Cash Flow
Enterprise Value to EBITDA 29625.92 21139.34 38040.13 31956.60 46326.92
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 22.97 63.26 -206.40 19.34 27.91 53.23 12.46 18.42 45.82 15.24 23.49 50.53 12.53 17.21 34.34
Price to Sales 317.40 451.21 879.55 233.20 322.29 694.87 193.20 297.44 705.75 288.92 430.26 951.80 102.47 161.73 317.99
Book Value Per Common Share 84.17 77.77 77.06 124.01 81.07 81.46 81.52 126.60 77.45 78.60 79.61 120.97 76.30 79.73 82.21 131.69 85.41 84.50 82.95 125.14
Price to Book 0.38 0.41 0.40 0.26 0.37 0.34 0.37 0.25 0.32 0.33 0.39 0.31 0.44 0.40 0.42 0.27 0.40 0.42 0.43 0.24
Price to Operating Cash Flow 14.63 34.73 -90.03 12.68 20.03 27.39 11.87 26.18 166.94 10.24 22.45 44.22 8.19 10.42 46.64
Price to Free Cash Flow
Enterprise Value to EBITDA

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY -9.96 -17.16 -14.41 98.88
Revenue YoY 1.82 5.56 38.12 -73.81
EBITDA YoY -16.58 53.10 -15.63 56.84
Net Profit YoY 3.35 -17.22 -20.70 98.50
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
Earning YoY 178.00 54.00 78.57 41.01 107.46 62.22 98.53 31.40 97.14
Revenue YoY 48.95 123.95 51.64 102.08 46.96 97.90 55.63 101.71 49.32 93.68
EBITDA YoY
Net Profit YoY 148.38 2164.76 57.69 81.01 42.24 106.00 61.05 96.88 30.90 96.55

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 44.17 47.06 34.37 81.16 59.45
Quick Ratio
Current Ratio
Debt to Equity 0.24 0.25 0.24 0.24 0.26
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 47.36 55.97 59.37 41.31 42.10 34.25 35.83 47.00 34.72 39.34 41.72 34.86 26.44 30.91 90.56 85.35 68.96 51.83 46.46 59.46
Quick Ratio
Current Ratio
Debt to Equity 5.73 6.28 6.31 0.24 5.64 6.17 6.03 0.25 6.09 6.04 5.98 0.24 5.93 5.81 5.71 0.24 5.20 5.10 5.12 0.26
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.20 0.20 0.25 0.32 0.18
ROE 0.25 0.25 0.32 0.40 0.23
Gross Margin -87.60 -76.37 82.54 -832.05 -309.12
Operating Margin 7029.36 8618.37 5904.56 9696.64 1597.66
EBITDA Margin 7178.69 8761.93 6041.48 9890.76 1651.32
Net Profit Margin 1605.38 1581.62 2016.93 3513.05 463.43
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 0.22 0.01 0.55 0.36 0.20 0.72 0.50 0.25 0.84 0.52 0.26 1.11 0.85 0.43
ROE 3.60 1.57 0.07 3.66 2.55 1.41 5.07 3.54 1.71 5.84 3.52 1.73 6.91 5.17 2.62
Gross Margin -723.34 -1091.95 -2450.28 -147.85 -182.68 -57.54 -72.61 -29.56 -38.86 31.34 5.09 -54.86 -129.80 -231.42 -266.37
Operating Margin 5606.15 4556.70 2790.93 4912.03 4780.95 4896.27 4099.57 3863.02 3435.79 2764.16 2627.67 2632.70 1167.75 1329.82 1309.04
EBITDA Margin
Net Profit Margin 1635.15 980.56 96.96 1304.83 1254.79 1400.82 1655.95 1710.89 1643.67 2007.50 1939.93 1987.57 852.38 972.29 958.13

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 82,627,730.00 78,392,857.00 75,407,972.00 74,808,382.00 67,987,343.00
   Deposits 70,643,781.00 65,799,754.00 65,679,156.00 67,848,543.00 62,168,081.00
      Cash and Short-Term Investments 2,764,428.00 2,790,875.00 2,063,838.00 5,317,725.00 3,998,676.00
            Cash and Cash Equivalents 2,672,966.00 2,707,255.00 1,985,802.00 5,236,929.00 3,910,294.00
            Short-Term Investments 91,462.00 83,620.00 78,036.00 80,796.00 88,382.00
      Net Receivables 161,520,893.00 113,238,704.00 104,580,379.00 96,115,969.00 82,579,801.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 253,876.00 275,671.00 259,692.00 272,116.00 300,921.00
      Real Estate 649.00 1,207.00 1,397.00 0 504.00
      Goodwill 1,100,000.00 1,100,000.00 1,100,000.00 1,100,000.00 1,100,000.00
      Intangible Assets 98,271.00 98,271.00 110,358.00 115,032.00 118,495.00
      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 16,219,782.00 15,495,792.00 14,826,178.00 14,403,588.00 13,879,354.00
      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 744,890.00 417,900.00 515,990.00 552,362.00 955,492.00
      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 66,407,948.00 62,897,065.00 60,581,794.00 60,404,794.00 54,107,989.00
   Shareholders Equity 8,298,597.00 7,517,334.00 7,161,140.00 8,205,340.00 8,415,985.00
      Capital Stock 301,469.00 286,318.00 286,318.00 286,318.00 286,318.00
      Share Premium 1,809,679.00 1,635,859.00 1,635,877.00 1,635,642.00 1,634,815.00
      Retained Earnings 1,192,091.00 1,142,586.00 1,077,675.00 977,765.00 858,288.00
      Treasury Shares 292,244.00 302,995.00 308,964.00 199,759.00 25,949.00
      Accumulated Other Comprehensive Income -218,632.00 -226,693.00 -262,416.00 -5,120.00 31,359.00
   Minority Interest 0 0 0 0 0
Investments 140,929,532.00 130,126,876.00 126,020,731.00 122,315,839.00 95,676,610.00
Debt 744,890.00 417,900.00 515,990.00 552,362.00 955,492.00
Common Shares Outstanding 66,919.80 59,376.43 59,198.96 62,307.25 67,254.71
Preferred Shares Outstanding 150.00 150.00 150.00 150.00 150.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 10,238.00 10,055.00 9,525.00 6,896.00 26,335.00
Cost Of Revenue 19,206.00 17,734.00 1,663.00 64,274.00 107,741.00
Interest Income 1,768,996.00 1,539,420.00 1,119,927.00 1,040,311.00 1,159,594.00
Interest Expense 347,433.00 476,848.00 89,546.00 59,741.00 130,558.00
Net Interest 478,208.00 481,338.00 474,313.00 457,933.00 479,480.00
Non-Interest Income 125,682.00 120,447.00 117,391.00 132,785.00 128,185.00
Non-Interest Expense 427,896.00 802,899.00 730,941.00 717,787.00 722,672.00
Provisions for Credit Losses 19,206.00 17,734.00 -1,663.00 -64,274.00 107,741.00
Gross Profit -8,968.00 -7,679.00 7,862.00 -57,378.00 -81,406.00
   Selling, General and Administrative Expenses 69,842.00 36,516.00 35,440.00 35,477.00 33,537.00
EBT 372,233.00 389,729.00 472,863.00 608,939.00 290,187.00
Income Tax 67,187.00 68,913.00 88,304.00 118,713.00 46,505.00
Net Income 164,359.00 159,032.00 192,113.00 242,260.00 122,044.00
EBIT 719,666.00 866,577.00 562,409.00 668,680.00 420,745.00
Deprecation and Amortization 15,288.00 14,435.00 13,042.00 13,387.00 14,131.00
EBITDA 734,954.00 881,012.00 575,451.00 682,067.00 434,876.00
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 62,589.41 59,303.21 60,047.18 65,520.53 67,260.80
Average Shares Outstanding Diluted 62,653.56 59,427.99 60,215.37 65,669.97 67,310.58
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 239,636.00 245,269.00 372,477.00 587,631.00 121,321.00
   Operating Net Income 759,095.00 637,499.00 767,560.00 976,887.00 488,196.00
   Deprecation and Amortization 15,288.00 14,435.00 13,042.00 13,387.00 14,131.00
   Deferred Income Tax -3,227.00 -3,681.00 4,489.00 -18,692.00 -10,518.00
   Share Based Compensation 7,518.00 8,324.00 6,246.00 6,475.00 5,653.00
   Change in Working Capital 20,067.00 40,843.00 108,608.00 -22,264.00 46,698.00
   Other Operating Activities -559,105.00 -452,151.00 -527,468.00 -368,162.00 -422,839.00
Investing Cash Flow -1,077,593.00 -539,389.00 -1,068,541.00 -337,848.00 11,996.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 10,328.00 22,506.00 7,990.00 8,535.00 7,551.00
   Net Purchase/Sale of Investments Net 768,642.00 423,389.00 1,496,178.00 3,289,675.00 1,085,801.00
   Net Purchase/Sale of Business 0 0 0 0 35,000.00
   Net Loan & Lease Activity 1,023,018.00 939,654.00 962,846.00 -1,098,813.00 549,687.00
   Other Investing Activities -2,879,581.00 -1,924,938.00 -3,535,555.00 -2,537,245.00 -1,666,043.00
Financing Cash Flow 885,406.00 454,657.00 -26,222.00 39,119.00 593,657.00
   Net Issuance/Repayment of Debt 2,789,128.00 2,539,171.00 1,068,113.00 265,588.00 1,791,824.00
   Net Issuance/Repurchase of Equity 190,967.00 200.00 3,000.00 2,400.00 289,086.00
   Dividends Paid 97,541.00 92,415.00 91,450.00 96,609.00 87,897.00
   Other Financing Activities -2,192,230.00 -2,177,129.00 -1,188,785.00 -325,478.00 -1,575,150.00
Net Change in Cash 47,449.00 160,537.00 -722,286.00 288,902.00 726,974.00
   Cash at Beginning of Period 520,688.00 434,846.00 1,130,697.00 962,456.00 178,473.00
   Cash at End of Period 568,137.00 595,383.00 408,411.00 1,251,358.00 905,447.00
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 27,518,042.00 27,571,576.00 27,412,383.00 82,627,730.00 18,514,169.00 18,128,375.00 17,772,735.00 78,392,857.00 17,344,377.00 17,356,954.00 17,274,626.00 75,407,972.00 16,604,747.00 16,799,624.00 17,104,015.00 74,808,382.00 16,892,111.00 16,966,867.00 17,057,788.00 67,987,343.00
   Deposits 106,394,152.00 105,736,274.00 106,424,505.00 70,643,781.00 69,166,169.00 67,120,621.00 67,441,171.00 65,799,754.00 65,390,060.00 64,296,070.00 64,350,252.00 65,679,156.00 67,254,426.00 67,859,336.00 69,005,112.00 67,848,543.00 67,138,458.00 66,615,267.00 66,462,453.00 62,168,081.00
      Cash and Short-Term Investments 4,242,992.00 4,832,348.00 4,561,762.00 2,764,428.00 2,574,418.00 2,036,302.00 2,127,620.00 2,790,875.00 2,058,046.00 2,330,360.00 2,470,370.00 2,063,838.00 1,595,408.00 1,877,314.00 5,564,534.00 5,317,725.00 4,575,670.00 3,476,680.00 3,125,030.00 3,998,676.00
            Cash and Cash Equivalents 4,032,948.00 4,628,120.00 4,366,860.00 2,672,966.00 2,483,588.00 1,947,156.00 2,038,676.00 2,707,255.00 1,980,328.00 2,249,272.00 2,390,012.00 1,985,802.00 1,514,224.00 1,800,036.00 5,477,992.00 5,236,929.00 4,484,464.00 3,385,216.00 3,036,192.00 3,910,294.00
            Short-Term Investments 210,044.00 204,228.00 194,902.00 91,462.00 90,830.00 89,146.00 88,944.00 83,620.00 77,718.00 81,088.00 80,358.00 78,036.00 81,184.00 77,278.00 86,542.00 80,796.00 91,206.00 91,464.00 88,838.00 88,382.00
      Net Receivables 241,155,620.00 239,062,400.00 237,158,205.00 161,520,893.00 158,591,128.00 155,291,502.00 115,885,154.00 113,238,704.00 109,923,110.00 108,212,909.00 106,095,936.00 104,580,379.00 97,461,407.00 100,494,541.00 96,069,643.00 96,115,969.00 98,743,007.00 103,624,017.00 82,409,912.00 82,579,801.00
      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 267,521.00 274,137.00 281,493.00 253,876.00 222,005.00 222,266.00 232,630.00 275,671.00 226,377.00 219,934.00 224,940.00 259,692.00 221,355.00 216,293.00 219,907.00 272,116.00 232,134.00 235,227.00 239,863.00 300,921.00
      Real Estate 618.00 662.00 1,310.00 649.00 670.00 1,219.00 1,210.00 1,207.00 1,231.00 1,289.00 1,475.00 1,397.00 1,467.00 0 87.00 0 293.00 754.00 375.00 504.00
      Goodwill 1,600,000.00 1,600,000.00 1,600,000.00 1,100,000.00 0 0 0 1,100,000.00 0 0 0 1,100,000.00 0 0 0 1,100,000.00 0 0 0 1,100,000.00
      Intangible Assets 250,759.00 256,677.00 249,785.00 98,271.00 0 0 0 98,271.00 0 0 0 110,358.00 0 0 0 115,032.00 0 0 0 118,495.00
      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 23,430,415.00 23,785,556.00 23,661,004.00 16,219,782.00 15,727,784.00 15,599,396.00 15,245,773.00 15,495,792.00 14,896,436.00 14,891,956.00 14,799,169.00 14,826,178.00 14,209,095.00 14,331,673.00 14,556,699.00 14,403,588.00 14,168,128.00 14,186,031.00 14,272,266.00 13,879,354.00
      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 445,430.00 406,874.00 562,920.00 744,890.00 562,266.00 415,432.00 283,114.00 417,900.00 415,134.00 392,762.00 428,246.00 515,990.00 484,100.00 560,204.00 605,396.00 552,362.00 588,034.00 521,658.00 526,286.00 955,492.00
      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 4,087,627.00 3,786,020.00 3,751,379.00 66,407,948.00 2,786,385.00 2,528,979.00 2,526,962.00 62,897,065.00 2,447,941.00 2,464,998.00 2,475,457.00 60,581,794.00 2,395,652.00 2,467,951.00 2,547,316.00 60,404,794.00 2,723,983.00 2,780,836.00 2,785,522.00 54,107,989.00
   Shareholders Equity 8,084,385.00 7,464,796.00 7,372,448.00 8,298,597.00 5,421,366.00 4,853,350.00 4,841,802.00 7,517,334.00 4,597,976.00 4,665,369.00 4,716,515.00 7,161,140.00 4,524,664.00 4,759,841.00 4,983,320.00 8,205,340.00 5,452,429.00 5,574,258.00 5,580,847.00 8,415,985.00
      Capital Stock 568,955.00 344,451.00 343,797.00 301,469.00 301,469.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00 286,318.00
      Share Premium 2,487,564.00 2,485,458.00 2,485,223.00 1,809,679.00 1,808,272.00 1,630,830.00 1,636,964.00 1,635,859.00 1,633,395.00 1,630,963.00 1,636,061.00 1,635,877.00 1,634,280.00 1,632,617.00 1,636,705.00 1,635,642.00 1,634,086.00 1,632,460.00 1,636,103.00 1,634,815.00
      Retained Earnings 1,210,823.00 1,165,058.00 1,145,396.00 1,192,091.00 1,169,808.00 1,159,217.00 1,154,307.00 1,142,586.00 1,131,597.00 1,118,135.00 1,096,924.00 1,077,675.00 1,048,532.00 1,018,209.00 998,315.00 977,765.00 946,746.00 925,977.00 879,786.00 858,288.00
      Treasury Shares 0 0 0 292,244.00 294,079.00 294,818.00 302,264.00 302,995.00 303,424.00 303,770.00 307,507.00 308,964.00 305,033.00 291,337.00 261,012.00 199,759.00 146,102.00 74,996.00 24,989.00 25,949.00
      Accumulated Other Comprehensive Income -148,669.00 -173,644.00 -190,710.00 -218,632.00 -181,804.00 -235,208.00 -234,922.00 -226,693.00 -297,906.00 -264,627.00 -234,399.00 -262,416.00 -266,640.00 -176,061.00 -111,312.00 -5,120.00 4,463.00 12,586.00 9,803.00 31,359.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 205,863,149.00 203,772,866.00 201,602,107.00 140,929,532.00 138,468,673.00 135,075,548.00 131,719,790.00 130,126,876.00 123,863,683.00 123,733,639.00 123,272,648.00 126,020,731.00 117,144,640.00 122,691,093.00 118,653,931.00 122,315,839.00 121,273,518.00 125,318,183.00 104,053,751.00 95,676,610.00
Debt 445,430.00 406,874.00 562,920.00 744,890.00 562,266.00 415,432.00 283,114.00 417,900.00 415,134.00 392,762.00 428,246.00 515,990.00 484,100.00 560,204.00 605,396.00 552,362.00 588,034.00 521,658.00 526,286.00 955,492.00
Common Shares Outstanding 96,044.22 95,986.02 95,672.20 66,919.80 66,871.48 59,579.31 59,395.78 59,376.43 59,364.70 59,355.06 59,246.57 59,198.96 59,304.50 59,698.79 60,613.41 62,307.25 63,838.55 65,970.15 67,282.13 67,254.71
Preferred Shares Outstanding 0 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00 150.00
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
Revenues 9,010.00 6,049.00 2,701.00 -5,267.00 7,808.00 5,149.00 2,548.00 -5,111.00 7,492.00 5,098.00 2,576.00 -4,142.00 6,969.00 4,478.00 2,220.00 -37,584.00 22,069.00 14,780.00 7,631.00
Cost Of Revenue 74,183.00 72,101.00 68,883.00 -18,715.00 19,352.00 14,555.00 4,014.00 -5,380.00 12,932.00 6,605.00 3,577.00 -10,810.00 4,785.00 4,250.00 3,438.00 -63,382.00 50,714.00 48,984.00 27,958.00
Interest Income 1,993,506.00 1,260,330.00 541,287.00 -812,290.00 1,309,615.00 852,646.00 419,025.00 -665,761.00 1,126,242.00 730,680.00 348,259.00 -420,925.00 795,120.00 502,331.00 243,401.00 -546,060.00 790,748.00 529,819.00 265,804.00
Interest Expense 340,496.00 214,326.00 94,713.00 -162,055.00 260,354.00 167,767.00 81,367.00 193,296.00 156,618.00 90,711.00 36,223.00 54,101.00 20,299.00 10,683.00 4,463.00 12,962.00 22,153.00 16,050.00 8,576.00
Net Interest 592,004.00 375,288.00 158,519.00 -218,019.00 351,701.00 230,560.00 113,966.00 -252,472.00 363,580.00 245,898.00 124,332.00 -197,775.00 344,439.00 219,938.00 107,711.00 -238,484.00 347,607.00 232,332.00 116,478.00
Non-Interest Income 123,486.00 78,622.00 34,665.00 -58,527.00 91,596.00 61,984.00 30,629.00 -57,071.00 90,372.00 59,493.00 27,653.00 -59,978.00 89,622.00 57,365.00 30,382.00 -71,819.00 102,076.00 69,320.00 33,208.00
Non-Interest Expense 476,689.00 320,500.00 133,966.00 -169,648.00 300,768.00 199,585.00 97,191.00 223,716.00 290,498.00 192,560.00 96,125.00 202,313.00 266,511.00 174,569.00 87,548.00 196,481.00 264,840.00 170,139.00 86,327.00
Provisions for Credit Losses 74,183.00 72,101.00 68,883.00 -18,715.00 19,352.00 14,555.00 4,014.00 -5,380.00 12,932.00 6,605.00 3,577.00 10,810.00 -4,785.00 -4,250.00 -3,438.00 63,382.00 -50,714.00 -48,984.00 -27,958.00
Gross Profit -65,173.00 -66,052.00 -66,182.00 13,448.00 -11,544.00 -9,406.00 -1,466.00 269.00 -5,440.00 -1,507.00 -1,001.00 6,668.00 2,184.00 228.00 -1,218.00 25,798.00 -28,645.00 -34,204.00 -20,327.00
   Selling, General and Administrative Expenses 63,882.00 40,286.00 20,320.00 17,755.00 26,391.00 17,188.00 8,508.00 -17,439.00 27,124.00 17,863.00 8,968.00 -20,128.00 27,389.00 18,524.00 9,655.00 -18,337.00 26,463.00 17,790.00 9,561.00
EBT 164,618.00 61,309.00 -19,330.00 127,262.00 123,177.00 78,404.00 43,390.00 80,698.00 150,522.00 106,226.00 52,283.00 139,561.00 172,335.00 106,984.00 53,983.00 101,568.00 235,557.00 180,497.00 91,317.00
Income Tax 64,935.00 25,609.00 1,348.00 -18,251.00 42,511.00 27,543.00 15,384.00 -41,623.00 52,789.00 37,923.00 19,824.00 -36,395.00 64,809.00 40,191.00 19,699.00 -85,281.00 94,446.00 73,293.00 36,255.00
Net Income 147,327.00 59,314.00 2,619.00 -37,824.00 101,881.00 64,609.00 35,693.00 -94,594.00 124,064.00 87,221.00 42,341.00 -78,784.00 139,903.00 86,870.00 44,124.00 -162,671.00 188,112.00 143,704.00 73,115.00
EBIT 505,114.00 275,635.00 75,383.00 -34,793.00 383,531.00 246,171.00 124,757.00 273,994.00 307,140.00 196,937.00 88,506.00 193,662.00 192,634.00 117,667.00 58,446.00 114,530.00 257,710.00 196,547.00 99,893.00
Deprecation and Amortization 0.00 0.00 0.00 15,288.00 0.00 0.00 0.00 14,435.00 0.00 0.00 0.00 13,042.00 0.00 0.00 0.00 13,387.00 0.00 0.00 0.00
EBITDA 0 0 0 734,954.00 0 0 0 881,012.00 0 0 0 575,451.00 0 0 0 682,067.00 0 0 0
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 89,593.74 86,339.97 76,830.46 70,379.10 61,143.45 59,452.32 59,382.76 59,473.53 59,280.64 59,240.96 59,217.71 57,669.81 60,336.64 60,736.86 61,445.40 61,385.61 66,354.75 67,078.04 67,263.71
Average Shares Outstanding Diluted 89,718.71 86,466.70 77,020.59 70,224.99 61,272.60 59,592.96 59,523.68 59,561.16 59,386.43 59,389.31 59,375.05 57,879.61 60,489.25 60,899.27 61,593.36 61,574.56 66,510.36 67,239.55 67,355.42
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 195,506.00 78,627.00 -26,423.00 -51,403.00 143,573.00 82,830.00 64,636.00 54,481.00 121,956.00 57,941.00 10,891.00 42,267.00 196,674.00 85,795.00 47,741.00 30,147.00 276,138.00 229,342.00 52,004.00
   Operating Net Income 0 0 0 759,095.00 0 0 0 637,499.00 0 0 0 767,560.00 0 0 0 976,887.00 0 0 0
   Deprecation and Amortization 0 0 0 15,288.00 0 0 0 14,435.00 0 0 0 13,042.00 0 0 0 13,387.00 0 0 0
   Deferred Income Tax 0 0 0 -3,227.00 0 0 0 -3,681.00 0 0 0 4,489.00 0 0 0 -18,692.00 0 0 0
   Share Based Compensation 0 0 0 7,518.00 0 0 0 8,324.00 0 0 0 6,246.00 0 0 0 6,475.00 0 0 0
   Change in Working Capital 0 0 0 20,067.00 0 0 0 40,843.00 0 0 0 108,608.00 0 0 0 -22,264.00 0 0 0
   Other Operating Activities 195,506.00 78,627.00 -26,423.00 -850,144.00 143,573.00 82,830.00 64,636.00 -642,939.00 121,956.00 57,941.00 10,891.00 -857,678.00 196,674.00 85,795.00 47,741.00 -925,646.00 276,138.00 229,342.00 52,004.00
Investing Cash Flow 144,469.00 262,481.00 359,540.00 386,103.00 -762,867.00 -529,763.00 -171,066.00 89,698.00 -311,934.00 -225,279.00 -91,874.00 727,682.00 -775,142.00 -839,694.00 -181,387.00 1,614,781.00 -403,997.00 -734,651.00 -813,981.00
   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 13,077.00 11,094.00 4,326.00 -66.00 5,734.00 1,897.00 2,763.00 -26,224.00 19,581.00 16,916.00 12,233.00 -657.00 5,281.00 2,807.00 559.00 -4,286.00 5,856.00 4,603.00 2,362.00
   Net Purchase/Sale of Investments Net 2,455,038.00 2,064,607.00 1,669,659.00 9,124.00 484,113.00 200,065.00 75,340.00 -231,341.00 325,994.00 221,595.00 107,141.00 -1,633,905.00 1,363,122.00 1,169,749.00 597,212.00 1,172,975.00 1,016,636.00 723,360.00 376,704.00
   Net Purchase/Sale of Business 200,454.00 200,454.00 200,357.00 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
   Net Loan & Lease Activity 1,023,018.00 939,654.00 962,846.00 -1,098,813.00 549,687.00
   Other Investing Activities -2,869,826.00 -2,265,024.00 -1,647,815.00 1,036,291.00 -2,070,517.00 -1,356,543.00 -488,812.00 633,948.00 -1,269,802.00 -891,054.00 -398,030.00 2,392,218.00 -2,677,462.00 -2,477,690.00 -772,621.00 63,335.00 -506,490.00 -1,001,842.00 -1,092,248.00
Financing Cash Flow 100,125.00 247,785.00 190,461.00 -118,457.00 644,808.00 338,339.00 20,716.00 -413,312.00 276,649.00 321,245.00 270,075.00 63,776.00 -294,334.00 -47,450.00 251,786.00 -1,366,153.00 343,528.00 446,166.00 615,578.00
   Net Issuance/Repayment of Debt 2,499,718.00 2,013,636.00 1,781,652.00 -3,817,547.00 2,562,298.00 2,226,529.00 1,817,848.00 -3,788,446.00 2,313,681.00 2,052,365.00 1,961,571.00 514,886.00 261,161.00 215,258.00 76,808.00 -124,563.00 251,080.00 128,641.00 10,430.00
   Net Issuance/Repurchase of Equity 159.00 104.00 25.00 0.00 190,967.00 0 0 200.00 0 0 0 3,000.00 0 0 0 2,400.00 0 0 0
   Dividends Paid 102,512.00 64,760.00 27,058.00 -44,742.00 71,162.00 47,414.00 23,707.00 -46,156.00 69,297.00 46,183.00 23,091.00 -46,735.00 68,886.00 46,198.00 23,101.00 -48,818.00 72,905.00 48,572.00 23,950.00
   Other Financing Activities -2,502,264.00 -1,830,715.00 -1,618,274.00 3,743,832.00 -2,179,619.00 -1,935,604.00 -1,820,839.00 3,421,090.00 -2,106,329.00 -1,777,303.00 -1,714,587.00 -407,375.00 -624,381.00 -308,906.00 151,877.00 -1,195,172.00 19,543.00 268,953.00 581,198.00
Net Change in Cash 440,100.00 588,893.00 523,578.00 216,243.00 25,514.00 -108,594.00 -85,714.00 -269,133.00 86,671.00 153,907.00 189,092.00 833,725.00 -872,802.00 -801,349.00 118,140.00 278,775.00 215,669.00 -59,143.00 -146,399.00
   Cash at Beginning of Period 568,137.00 568,137.00 568,137.00 351,894.00 595,383.00 595,383.00 595,383.00 864,516.00 408,411.00 408,411.00 408,411.00 -425,314.00 1,251,358.00 1,251,358.00 1,251,358.00 972,583.00 905,447.00 905,447.00 905,447.00
   Cash at End of Period 1,008,237.00 1,157,030.00 1,091,715.00 568,137.00 620,897.00 486,789.00 509,669.00 595,383.00 495,082.00 562,318.00 597,503.00 408,411.00 378,556.00 450,009.00 1,369,498.00 1,251,358.00 1,121,116.00 846,304.00 759,048.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0