WTFC

Valuation Ratios

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Price to Earnings 11.91 9.54 10.38 11.81
Price to Sales 31.67 25.73 22.98 24.98
Book Value Per Common Share 278.35 258.58 229.68 236.62 217.78
Price to Book 0.45 0.36 0.37 0.38
Price to Operating Cash Flow 7.90 6.19 3.99 4.50
Price to Free Cash Flow
Enterprise Value to EBITDA 10758.60 26025.47 57049.56 53189.92
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 15.82 22.34 41.19 13.93 18.67 35.63 9.65 13.81 25.69 13.92 22.20 44.04 13.22 17.63 29.49
Price to Sales 192.86 272.06 490.88 3.76 5.08 10.61 47.41 69.51 148.48 28.91 42.07 97.43 30.19 43.75 90.30
Book Value Per Common Share 207.17 211.85 192.33 278.35 200.54 171.28 168.96 258.58 153.61 157.35 158.55 229.68 150.26 159.85 155.05 236.62 154.81 152.49 149.64 217.78
Price to Book 0.64 0.59 0.58 0.45 0.54 0.58 0.62 0.36 0.49 0.46 0.46 0.37 0.54 0.50 0.60 0.38 0.52 0.50 0.51
Price to Operating Cash Flow 13.45 18.46 62.66 29.51 20.79 90.23 9.29 10.87 64.97 4.54 5.61 11.60 6.27 6.64 19.90
Price to Free Cash Flow
Enterprise Value to EBITDA 14957.60 21710.79 40107.59 37134.13 51135.38 108275.11 31331.54 48171.83 100187.22 68718.08 112048.07 234856.34 66405.23 91757.23 161209.61

Earnings Data

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Earning YoY 7.72 19.41 5.85 62.92
Revenue YoY 13.74 1.25 5.09 21.77
EBITDA YoY 253.13 142.33 -7.53 11.35
Net Profit YoY 11.63 22.16 9.34 59.10
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 50.81 103.30 47.54 80.20 48.67 85.21 62.33 71.09 41.72 66.93
Revenue YoY 50.79 99.21 51.46 97.85 1959.65 52.55 113.07 50.75 101.27 54.03 106.21
EBITDA YoY 55.16 103.97 -54.29 54.29 100.49 59.97 107.44 68.91 82.16 46.86 75.51
Net Profit YoY 56.23 103.43 50.05 81.36 49.02 85.88 64.42 74.19 42.26 68.63

Financial Strength

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Cash Per Common Share 235.00 124.94 122.90 313.43 269.64
Quick Ratio
Current Ratio
Debt to Equity 0.41 0.41 0.41 0.41 0.41
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 166.74 236.02 220.05 225.07 196.13 153.32 119.94 124.75 138.04 124.27 93.46 119.69 220.96 195.05 238.96 313.10 291.33 263.12 192.00 273.22
Quick Ratio
Current Ratio
Debt to Equity 0.43 0.43 0.43 0.41 8.97 0.80 9.59 0.41 10.08 9.77 9.54 0.41 10.29 9.78 10.19 0.41 9.85 9.77 9.74 0.41
Long-Term Debt to Equity

Profitability

Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
ROA 0.34 0.36 0.31 0.30 0.21
ROE 0.48 0.50 0.44 0.42 0.29
Gross Margin -20.90 -55.67 -8.29 14.18 -277.75
Operating Margin 3018.61 940.41 364.37 410.15 450.79
EBITDA Margin 3073.58 990.03 413.65 470.09 514.10
Net Profit Margin 277.20 282.44 234.10 225.01 172.22
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 0.29 0.19 0.10 0.80 0.28 0.33 0.90 0.62 0.34 0.70 0.44 0.25 0.77 0.55 0.34
ROE 0.41 0.26 0.14 7.96 0.50 3.45 9.95 6.64 3.59 7.87 4.69 2.84 8.33 5.95 3.60
Gross Margin -344.03 -355.10 -370.26 86.08 84.52 89.25 -120.32 -142.43 -130.87 43.92 32.99 77.42 -35.57 -84.71 -184.80
Operating Margin 12689.92 12325.62 12040.54 97.18 95.51 94.49 1449.90 1389.14 1420.09 382.76 335.59 371.46 408.17 428.22 510.69
EBITDA Margin 12893.14 12529.67 12236.91 101.17 99.31 98.00 1512.97 1442.83 1481.94 420.62 375.40 414.78 454.44 476.64 560.02
Net Profit Margin 1308.43 1262.82 1236.60 28.12 28.39 30.97 512.83 524.97 601.76 220.44 202.11 233.52 242.15 262.19 320.61

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 201,906,294.00 175,273,168.00 164,781,278.00 155,953,914.00 140,419,488.00
   Deposits 52,512,349.00 45,397,170.00 42,902,544.00 42,095,585.00 37,092,651.00
      Cash and Short-Term Investments 14,965,896.00 7,640,160.00 7,276,425.00 17,863,787.00 15,510,327.00
            Cash and Cash Equivalents 13,884,764.00 6,939,113.00 6,723,473.00 17,410,171.00 15,052,662.00
            Short-Term Investments 1,081,132.00 701,047.00 552,952.00 453,616.00 457,665.00
      Net Receivables 54,306.00 31,776.00 49,161.00 78,204.00 219,497,858.00
      Inventory 0 0 0 0 0
      Other Current Assets 0 0 0 0 0
      Property, Plant, Equipment Net 779,130.00 748,966.00 764,798.00 766,405.00 768,808.00
      Real Estate 0 720.00 1,600.00 1,300.00 0
      Goodwill 1,602,255.00 1,321,715.00 1,315,419.00 1,318,669.00 1,299,785.00
      Intangible Assets 236,812.00 37,770.00 40,691.00 51,246.00 36,040.00
      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 58,535,371.00 50,860,408.00 48,152,811.00 45,643,455.00 40,964,773.00
      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 13,430.00 17,612.00 9,200.00 11,400.00
      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 143,370,923.00 124,412,760.00 116,628,467.00 110,310,459.00 99,454,715.00
   Shareholders Equity 18,509,048.00 15,836,259.00 13,962,878.00 13,500,156.00 12,363,367.00
      Capital Stock 479,060.00 473,769.00 473,297.00 471,392.00 470,973.00
      Share Premium 2,482,561.00 1,943,806.00 1,902,474.00 1,685,572.00 1,649,990.00
      Retained Earnings 3,897,164.00 3,345,399.00 2,849,007.00 2,447,535.00 2,080,013.00
      Treasury Shares 6,153.00 2,217.00 304.00 109,903.00 100,363.00
      Accumulated Other Comprehensive Income -508,335.00 -361,231.00 -427,636.00 4,092.00 15,382.00
   Minority Interest 0 0 0 0 0
Investments 1,081,132.00 701,047.00 552,952.00 453,616.00 206,478,608.00
Debt 2,702,950.00 3,248,508.00 3,242,806.00 3,263,554.00 3,255,154.00
Common Shares Outstanding 66,495.23 61,243.63 60,794.01 57,054.09 56,769.62
Preferred Shares Outstanding 5,011.50 5,011.50 5,011.50 5,011.50 5,011.50
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Revenues 250,742.00 220,443.00 217,719.00 207,172.00 170,130.00
Cost Of Revenue 303,141.00 343,170.00 235,767.00 177,789.00 642,660.00
Interest Income 10,392,776.00 2,893,114.00 1,747,443.00 1,275,484.00 1,293,020.00
Interest Expense 4,545,186.00 1,108,862.00 288,603.00 188,820.00 292,694.00
Net Interest 1,962,535.00 5,478,483.00 4,455,907.00 3,348,288.00 3,095,894.00
Non-Interest Income 1,543,968.00 1,373,788.00 1,442,988.00 1,819,711.00 1,867,271.00
Non-Interest Expense 4,247,150.00 3,973,858.00 3,561,463.00 3,432,400.00 3,151,162.00
Provisions for Credit Losses 303,141.00 343,170.00 235,767.00 -177,789.00 642,660.00
Gross Profit -52,399.00 -122,727.00 -18,048.00 29,383.00 -472,530.00
   Selling, General and Administrative Expenses 221,398.00 215,701.00 194,680.00 178,232.00 163,875.00
EBT 3,023,732.00 964,212.00 504,705.00 660,896.00 474,234.00
Income Tax 18,685.00 610,100.00 495,727.00 451,250.00 242,251.00
Net Income 695,045.00 622,626.00 509,682.00 466,151.00 292,990.00
EBIT 7,568,918.00 2,073,074.00 793,308.00 849,716.00 766,928.00
Deprecation and Amortization 137,839.00 109,368.00 107,296.00 124,189.00 107,712.00
EBITDA 7,706,757.00 2,182,442.00 900,604.00 973,905.00 874,640.00
EPS 0.01 0.01 0.01 0.01 0.00
Diluted EPS 0.01 0.01 0.01 0.01 0.00
Average Shares Outstanding Basic 63,685.00 61,149.00 59,205.00 56,994.00 57,523.00
Average Shares Outstanding Diluted 64,701.00 62,087.00 60,091.00 57,786.00 58,019.00
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Operating Cash Flow 1,004,838.00 916,606.00 1,254,236.00 1,150,918.00 -350,636.00
   Operating Net Income 3,422,544.00 3,072,827.00 2,551,166.00 2,311,825.00 1,451,564.00
   Deprecation and Amortization 137,839.00 109,368.00 107,296.00 124,189.00 107,712.00
   Deferred Income Tax 1,562.00 -25,883.00 19,284.00 -8,211.00 7,278.00
   Share Based Compensation 54,509.00 47,649.00 45,380.00 22,946.00 -7,751.00
   Change in Working Capital 94,110.00 371,533.00 470,056.00 -114,251.00 175,947.00
   Other Operating Activities -2,705,726.00 -2,658,888.00 -1,938,946.00 -1,185,580.00 -2,085,386.00
Investing Cash Flow -5,984,165.00 -3,263,781.00 -3,590,641.00 -5,978,736.00 -7,234,551.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 86,032.00 46,406.00 53,449.00 57,075.00 63,646.00
   Net Purchase/Sale of Investments Net 3,938,181.00 5,182,127.00 4,361,600.00 5,525,004.00 5,170,971.00
   Net Purchase/Sale of Business -531,270.00 5,147.00 0 585,402.00 0
   Net Loan & Lease Activity 5,405,340.00 3,303,303.00 4,320,225.00 2,101,121.00 5,290,668.00
   Other Investing Activities -14,882,448.00 -11,800,764.00 -12,325,915.00 -14,247,338.00 -17,759,836.00
Financing Cash Flow 4,948,688.00 2,276,003.00 2,501,359.00 4,775,099.00 7,847,547.00
   Net Issuance/Repayment of Debt -114,342.00 20,029.00 1,317,516.00 -51,058.00 85,906.00
   Net Issuance/Repurchase of Equity 0 0 285,729.00 9,540.00 739,336.00
   Dividends Paid 143,280.00 125,690.00 108,210.00 98,629.00 85,890.00
   Other Financing Activities 4,919,750.00 2,130,284.00 789,904.00 4,717,988.00 6,936,415.00
Net Change in Cash -30,639.00 -71,172.00 164,954.00 -52,719.00 262,360.00
   Cash at Beginning of Period 489,175.00 494,636.00 326,012.00 463,924.00 60,114.00
   Cash at End of Period 458,536.00 423,464.00 490,966.00 411,205.00 322,474.00
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 208,888,914.00 206,949,954.00 197,610,198.00 201,906,294.00 63,788,424.00 122,263,032.00 57,576,933.00 175,273,168.00 55,555,246.00 54,286,176.00 52,873,511.00 164,781,278.00 52,382,939.00 50,969,332.00 50,250,661.00 155,953,914.00 47,832,271.00 46,738,450.00 45,682,202.00 140,419,488.00
   Deposits 56,711,381.00 55,816,811.00 53,570,038.00 52,512,349.00 51,404,966.00 98,398,052.00 46,448,858.00 45,397,170.00 44,992,686.00 44,038,707.00 42,718,211.00 42,902,544.00 42,797,191.00 42,593,326.00 42,219,322.00 42,095,585.00 39,952,558.00 38,804,616.00 37,872,652.00 37,092,651.00
      Cash and Short-Term Investments 11,150,050.00 15,773,028.00 14,683,200.00 14,965,896.00 12,305,501.00 9,453,465.00 7,374,186.00 7,640,160.00 8,437,071.00 7,589,443.00 5,696,537.00 7,276,425.00 12,965,701.00 11,241,055.00 13,667,660.00 17,863,787.00 16,601,312.00 14,991,501.00 10,925,400.00 15,510,327.00
            Cash and Cash Equivalents 10,832,825.00 14,404,418.00 13,330,990.00 13,884,764.00 11,675,479.00 8,888,466.00 6,773,117.00 6,939,113.00 7,763,858.00 7,005,041.00 5,136,720.00 6,723,473.00 12,395,462.00 10,773,570.00 13,203,363.00 17,410,171.00 16,159,244.00 14,557,254.00 10,472,759.00 15,052,662.00
            Short-Term Investments 317,225.00 1,368,610.00 1,352,210.00 1,081,132.00 630,022.00 564,999.00 601,069.00 701,047.00 673,213.00 584,402.00 559,817.00 552,952.00 570,239.00 467,485.00 464,297.00 453,616.00 442,068.00 434,247.00 452,641.00 457,665.00
      Net Receivables 0 0 0 54,306.00 49,986.00 41,046.00 40,146.00 31,776.00 42,126.00 47,166.00 48,126.00 49,161.00 60,981.00 64,581.00 68,664.00 78,204.00 79,134.00 69,279.00 291,904,892.00 219,497,858.00
      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 775,425.00 776,324.00 776,679.00 779,130.00 772,002.00 722,295.00 744,769.00 748,966.00 747,501.00 749,393.00 760,283.00 764,798.00 763,029.00 762,381.00 761,213.00 766,405.00 748,872.00 752,375.00 760,522.00 768,808.00
      Real Estate 0 0 0 0 0 161.00 1,146.00 720.00 441.00 318.00 1,100.00 1,600.00 1,600.00 1,800.00 1,100.00 1,300.00 2,500.00 3,000.00 4,000.00 0
      Goodwill 797,639.00 798,144.00 796,932.00 1,602,255.00 800,780.00 655,955.00 656,181.00 1,321,715.00 656,109.00 656,674.00 653,587.00 1,315,419.00 653,079.00 654,709.00 655,402.00 1,318,669.00 645,792.00 646,336.00 646,017.00 1,299,785.00
      Intangible Assets 205,024.00 215,100.00 225,934.00 236,812.00 240,814.00 33,947.00 35,837.00 37,770.00 39,946.00 42,227.00 38,484.00 40,691.00 43,146.00 45,720.00 48,462.00 51,246.00 54,284.00 57,454.00 60,942.00 36,040.00
      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 62,583,881.00 61,757,622.00 59,269,529.00 58,535,371.00 57,388,710.00 54,244,888.00 52,140,533.00 50,860,408.00 50,539,633.00 49,244,264.00 47,858,005.00 48,152,811.00 47,744,959.00 46,241,709.00 45,758,405.00 45,643,455.00 43,421,954.00 42,399,439.00 41,429,691.00 40,964,773.00
      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 10,869.00 13,430.00 14,183.00 17,773.00 10,124.00 17,612.00 9,212.00 16,418.00 15,872.00 9,200.00 14,100.00 15,600.00 12,416.00 11,400.00
      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 146,305,033.00 145,192,332.00 138,340,669.00 143,370,923.00 6,399,714.00 68,018,144.00 5,436,400.00 124,412,760.00 5,015,613.00 5,041,912.00 5,015,506.00 116,628,467.00 4,637,980.00 4,727,623.00 4,492,256.00 110,310,459.00 4,410,317.00 4,339,011.00 4,252,511.00 99,454,715.00
   Shareholders Equity 13,853,515.00 14,157,688.00 12,833,624.00 18,509,048.00 12,582,703.00 10,561,058.00 10,387,652.00 15,836,259.00 9,388,503.00 9,609,734.00 9,663,576.00 13,962,878.00 8,817,232.00 9,212,209.00 8,868,513.00 13,500,156.00 8,822,051.00 8,688,155.00 8,515,126.00 12,363,367.00
      Capital Stock 492,042.00 904,525.00 479,507.00 479,060.00 479,046.00 474,325.00 474,298.00 473,769.00 473,744.00 473,719.00 473,698.00 473,297.00 473,243.00 473,222.00 471,591.00 471,392.00 471,294.00 471,270.00 471,227.00 470,973.00
      Share Premium 2,521,306.00 2,495,637.00 2,494,347.00 2,482,561.00 2,470,228.00 1,964,645.00 1,954,532.00 1,943,806.00 1,933,226.00 1,923,623.00 1,913,947.00 1,902,474.00 1,891,621.00 1,880,913.00 1,698,093.00 1,685,572.00 1,674,062.00 1,669,002.00 1,663,008.00 1,649,990.00
      Retained Earnings 4,356,367.00 4,200,923.00 4,045,854.00 3,897,164.00 3,748,715.00 3,615,616.00 3,498,475.00 3,345,399.00 3,253,332.00 3,120,626.00 2,997,263.00 2,849,007.00 2,731,844.00 2,616,525.00 2,548,474.00 2,447,535.00 2,373,447.00 2,288,969.00 2,208,535.00 2,080,013.00
      Treasury Shares 9,150.00 9,156.00 9,156.00 6,153.00 6,098.00 5,760.00 5,757.00 2,217.00 1,966.00 1,966.00 1,966.00 304.00 0 0 109,903.00 109,903.00 109,903.00 100,363.00 100,363.00 100,363.00
      Accumulated Other Comprehensive Income -314,808.00 -366,233.00 -410,015.00 -508,335.00 -292,177.00 -512,198.00 -485,148.00 -361,231.00 -642,723.00 -474,090.00 -367,436.00 -427,636.00 -458,728.00 -243,037.00 -115,999.00 4,092.00 1,417.00 10,133.00 10,104.00 15,382.00
   Minority Interest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 317,225.00 1,368,610.00 1,352,210.00 1,081,132.00 630,022.00 564,999.00 601,069.00 701,047.00 673,213.00 584,402.00 559,817.00 552,952.00 570,239.00 467,485.00 464,297.00 453,616.00 442,068.00 434,247.00 272,706,467.00 206,478,608.00
Debt 2,160,901.00 2,157,421.00 2,159,050.00 2,702,950.00 2,153,562.00 2,137,727.00 2,556,771.00 3,248,508.00 2,543,814.00 2,548,844.00 2,552,740.00 3,242,806.00 2,591,385.00 2,604,482.00 2,603,954.00 3,263,554.00 2,569,732.00 2,570,999.00 2,554,418.00 3,255,154.00
Common Shares Outstanding 0 0 0 66,495.23 0 0 0 61,243.63 0 0 0 60,794.01 0 0 0 57,054.09 0 0 0 56,769.62
Preferred Shares Outstanding 0 0 0 5,011.50 0 0 0 5,011.50 0 0 0 5,011.50 0 0 0 5,011.50 0 0 0 5,011.50
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
Revenues 45,919.00 30,453.00 15,287.00 -3,362,824.00 1,812,261.00 1,196,531.00 604,774.00 29,363.00 97,332.00 63,803.00 29,945.00 -112,148.00 165,519.00 109,796.00 54,552.00 -90,817.00 151,720.00 98,501.00 47,768.00
Cost Of Revenue 203,895.00 138,591.00 71,889.00 -199,284.00 252,204.00 185,202.00 65,019.00 -95,088.00 214,446.00 154,677.00 69,135.00 57,051.00 92,829.00 73,569.00 12,318.00 -345,876.00 205,686.00 181,938.00 136,041.00
Interest Income 8,280,036.00 5,399,960.00 2,650,127.00 5,367,675.00 2,564,096.00 1,655,492.00 805,513.00 -1,182,708.00 2,099,266.00 1,336,866.00 639,690.00 -447,727.00 1,166,698.00 700,220.00 328,252.00 -602,538.00 947,505.00 625,048.00 305,469.00
Interest Expense 3,394,587.00 2,204,115.00 1,081,473.00 2,356,470.00 1,126,709.00 720,688.00 341,319.00 -235,543.00 731,376.00 431,334.00 181,695.00 68,371.00 128,152.00 63,122.00 28,958.00 -56,841.00 118,524.00 83,563.00 43,574.00
Net Interest 1,640,178.00 1,073,168.00 526,474.00 -3,642,249.00 1,437,387.00 2,785,284.00 1,382,113.00 -2,663,070.00 4,077,562.00 2,698,847.00 1,365,144.00 -1,424,644.00 3,093,067.00 1,896,535.00 890,949.00 -1,509,870.00 2,467,086.00 1,611,445.00 779,627.00
Non-Interest Income 1,184,373.00 768,328.00 371,590.00 -904,131.00 1,183,068.00 823,433.00 441,598.00 -719,519.00 1,053,273.00 699,676.00 340,358.00 -1,030,963.00 1,145,799.00 825,984.00 502,168.00 -1,133,358.00 1,402,326.00 977,103.00 573,640.00
Non-Interest Expense 3,417,375.00 2,265,153.00 1,109,190.00 2,206,322.00 1,034,185.00 673,498.00 333,145.00 2,105,050.00 949,847.00 619,792.00 299,169.00 1,834,764.00 869,435.00 572,966.00 284,298.00 1,729,365.00 849,145.00 567,001.00 286,889.00
Provisions for Credit Losses 203,895.00 138,591.00 71,889.00 -199,284.00 252,204.00 185,202.00 65,019.00 -95,088.00 214,446.00 154,677.00 69,135.00 57,051.00 92,829.00 73,569.00 12,318.00 345,876.00 -205,686.00 -181,938.00 -136,041.00
Gross Profit -157,976.00 -108,138.00 -56,602.00 -3,163,540.00 1,560,057.00 1,011,329.00 539,755.00 124,451.00 -117,114.00 -90,874.00 -39,190.00 -169,199.00 72,690.00 36,227.00 42,234.00 255,059.00 -53,966.00 -83,437.00 -88,273.00
   Selling, General and Administrative Expenses 172,340.00 113,710.00 53,368.00 -102,448.00 165,413.00 107,462.00 50,971.00 -98,716.00 162,773.00 103,640.00 48,004.00 -92,224.00 145,444.00 95,806.00 45,654.00 -80,488.00 131,150.00 85,393.00 42,177.00
EBT 2,432,497.00 1,549,405.00 759,165.00 1,736,974.00 634,511.00 422,135.00 230,112.00 -414,156.00 679,838.00 454,980.00 243,550.00 -479,698.00 505,382.00 305,341.00 173,680.00 -378,469.00 500,751.00 338,241.00 200,373.00
Income Tax 641,917.00 403,864.00 190,476.00 -318,659.00 168,673.00 111,258.00 57,413.00 231,163.00 190,197.00 124,587.00 64,153.00 228,648.00 140,343.00 81,807.00 44,929.00 181,673.00 128,243.00 89,351.00 51,983.00
Net Income 600,820.00 384,566.00 189,039.00 -341,614.00 509,683.00 339,682.00 187,294.00 -391,666.00 499,146.00 334,948.00 180,198.00 -204,478.00 364,865.00 221,904.00 127,391.00 -312,648.00 367,394.00 258,257.00 153,148.00
EBIT 5,827,084.00 3,753,520.00 1,840,638.00 4,093,444.00 1,761,220.00 1,142,823.00 571,431.00 -649,699.00 1,411,214.00 886,314.00 425,245.00 -411,327.00 633,534.00 368,463.00 202,638.00 -435,310.00 619,275.00 421,804.00 243,947.00
Deprecation and Amortization 93,317.00 62,139.00 30,019.00 -1,188.00 72,264.00 45,489.00 21,274.00 -4,799.00 61,390.00 34,254.00 18,523.00 -22,727.00 62,678.00 43,712.00 23,633.00 -17,261.00 70,201.00 47,688.00 23,561.00
EBITDA 5,920,401.00 3,815,659.00 1,870,657.00 4,092,256.00 1,833,484.00 1,188,312.00 592,705.00 -654,498.00 1,472,604.00 920,568.00 443,768.00 -434,054.00 696,212.00 412,175.00 226,271.00 -452,571.00 689,476.00 469,492.00 267,508.00
EPS 0.01 0.01 0.00 -0.00 0.01 0.01 0.00 -0.00 0.01 0.01 0.00 -0.00 0.01 0.00 0.00 -0.00 0.01 0.00 0.00
Diluted EPS 0.01 0.01 0.00 0.00 0.01 0.01 0.00 0.00 0.01 0.01 0.00 0.00 0.01 0.00 0.00 0.00 0.01 0.00 0.00
Average Shares Outstanding Basic 66,871.00 66,829.00 66,726.00 68,856.00 62,743.00 61,660.00 61,481.00 61,455.00 61,119.00 61,072.00 60,950.00 63,313.00 58,679.00 57,632.00 57,196.00 57,110.00 56,985.00 56,977.00 56,904.00
Average Shares Outstanding Diluted 67,816.00 67,732.00 67,649.00 70,157.00 63,677.00 62,561.00 62,409.00 62,513.00 62,007.00 62,005.00 61,823.00 64,358.00 59,493.00 58,455.00 58,058.00 58,178.00 57,713.00 57,668.00 57,585.00
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 658,689.00 448,910.00 119,754.00 410,609.00 230,739.00 292,365.00 71,125.00 -56,476.00 496,449.00 408,192.00 68,441.00 -1,082,284.00 1,055,172.00 823,324.00 458,024.00 -445,627.00 731,001.00 648,763.00 216,781.00
   Operating Net Income 2,391,400.00 1,530,107.00 751,681.00 399,812.00 1,485,204.00 990,241.00 547,287.00 70,872.00 1,471,275.00 992,297.00 538,383.00 417,392.00 1,094,117.00 661,227.00 378,430.00 3,637.00 1,088,098.00 765,404.00 454,686.00
   Deprecation and Amortization 93,317.00 62,139.00 30,019.00 -1,188.00 72,264.00 45,489.00 21,274.00 -4,799.00 61,390.00 34,254.00 18,523.00 -22,727.00 62,678.00 43,712.00 23,633.00 -17,261.00 70,201.00 47,688.00 23,561.00
   Deferred Income Tax 0 0 0 1,562.00 0 0 0 -25,883.00 0 0 0 19,284.00 0 0 0 -8,211.00 0 0 0
   Share Based Compensation 30,646.00 20,575.00 10,411.00 -323.00 27,568.00 18,107.00 9,157.00 -1,581.00 24,532.00 16,403.00 8,295.00 -1,252.00 23,852.00 14,889.00 7,891.00 4,453.00 9,437.00 6,194.00 2,862.00
   Change in Working Capital -200,199.00 -335,039.00 -435,297.00 157,755.00 -210,546.00 171,199.00 -24,298.00 -312,330.00 426,910.00 214,784.00 42,169.00 210,440.00 237,829.00 79,625.00 -57,838.00 253,854.00 -148,945.00 -108,860.00 -110,300.00
   Other Operating Activities -1,656,475.00 -828,872.00 -237,060.00 -147,009.00 -1,143,751.00 -932,671.00 -482,295.00 217,245.00 -1,487,658.00 -849,546.00 -538,929.00 -1,705,421.00 -363,304.00 23,871.00 105,908.00 -682,099.00 -287,790.00 -61,663.00 -154,028.00
Investing Cash Flow -4,661,008.00 -3,921,051.00 -973,374.00 3,227,509.00 -4,227,930.00 -3,564,574.00 -1,419,170.00 481,506.00 -2,628,091.00 -1,231,616.00 114,420.00 1,244,940.00 -2,948,619.00 -1,393,123.00 -493,839.00 446,412.00 -3,366,740.00 -2,202,698.00 -855,710.00
   Capital Expenditure 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
   Net Purchase/Sale of PPE 0 0 0 -40,783.00 66,457.00 49,759.00 10,599.00 -1,269.00 29,218.00 9,318.00 9,139.00 -15,101.00 37,462.00 23,366.00 7,722.00 17,140.00 23,434.00 12,113.00 4,388.00
   Net Purchase/Sale of Investments Net 4,210,669.00 2,223,948.00 710,949.00 102,340.00 1,380,542.00 1,294,664.00 1,160,635.00 -4,905,680.00 4,453,694.00 3,535,009.00 2,099,104.00 -2,211,978.00 2,587,076.00 2,201,291.00 1,785,211.00 -5,413,364.00 4,706,217.00 3,602,498.00 2,629,653.00
   Net Purchase/Sale of Business 0 0 0 38.00 -531,308.00 0 0 -4,966.00 5,147.00 4,966.00 0 0 0 0 0 585,402.00 0 0 0
   Net Loan & Lease Activity 5,405,340.00 3,303,303.00 4,320,225.00 2,101,121.00 5,290,668.00
   Other Investing Activities -12,889,043.00 -9,102,472.00 -2,367,162.00 6,498,848.00 -9,504,986.00 -8,150,658.00 -3,725,652.00 6,921,326.00 -9,760,685.00 -6,601,697.00 -2,359,708.00 5,150,793.00 -8,897,461.00 -5,820,066.00 -2,759,181.00 6,203,728.00 -9,266,027.00 -6,612,579.00 -4,572,460.00
Financing Cash Flow 4,109,252.00 3,709,169.00 1,011,363.00 -3,924,903.00 4,304,855.00 3,264,269.00 1,304,467.00 -401,355.00 2,058,824.00 846,375.00 -227,841.00 -215,253.00 1,971,889.00 657,541.00 87,182.00 -409,767.00 2,775,564.00 1,666,470.00 742,832.00
   Net Issuance/Repayment of Debt 33,753.00 70,551.00 -4,796.00 -382,032.00 7,352.00 -28,103.00 288,441.00 -373,571.00 58,016.00 349,552.00 -13,968.00 1,355,606.00 -18,103.00 -5,059.00 -14,928.00 -19,734.00 -15,716.00 -9,230.00 -6,378.00
   Net Issuance/Repurchase of Equity 826,648.00 414,212.00 219.00 0 25.00 25.00 25.00 0 0 0 2,200.00 -286,307.00 285,721.00 286,315.00 0 0.00 9,540.00 0 0
   Dividends Paid 127,571.00 80,807.00 40,349.00 -66,770.00 106,367.00 69,465.00 34,218.00 -62,770.00 94,277.00 62,785.00 31,398.00 -51,712.00 80,556.00 52,914.00 26,452.00 -49,258.00 73,960.00 49,301.00 24,626.00
   Other Financing Activities 3,121,280.00 3,143,599.00 975,591.00 -3,476,026.00 4,191,111.00 3,222,882.00 981,783.00 37,186.00 1,906,531.00 434,038.00 -247,471.00 -1,232,840.00 1,623,715.00 323,371.00 75,658.00 -340,775.00 2,707,780.00 1,626,399.00 724,584.00
Net Change in Cash 106,933.00 237,028.00 157,743.00 -286,785.00 307,664.00 -7,940.00 -43,578.00 23,675.00 -72,818.00 22,951.00 -44,980.00 -52,597.00 78,442.00 87,742.00 51,367.00 -408,982.00 139,825.00 112,535.00 103,903.00
   Cash at Beginning of Period 458,536.00 458,536.00 458,536.00 745,321.00 423,464.00 423,464.00 423,464.00 399,789.00 490,966.00 490,966.00 490,966.00 543,563.00 411,205.00 411,205.00 411,205.00 820,187.00 322,474.00 322,474.00 322,474.00
   Cash at End of Period 565,469.00 695,564.00 616,279.00 458,536.00 731,128.00 415,524.00 379,886.00 423,464.00 418,148.00 513,917.00 445,986.00 490,966.00 489,647.00 498,947.00 462,572.00 411,205.00 462,299.00 435,009.00 426,377.00
Free Cash Flow 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0