ZION
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 10.96 | 10.09 | 8.48 | 9.29 | 14.20 |
| Price to Sales | 12.50 | 2.08 | 2.34 | 3.47 | 2.55 |
| Book Value Per Common Share | 66.73 | 58.66 | 44.89 | 97.91 | 98.10 |
| Price to Book | 0.81 | 0.75 | 1.10 | 0.65 | 0.44 |
| Price to Operating Cash Flow | 6.96 | 7.32 | 5.02 | 16.06 | 9.89 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA |
| 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 | 13.31 | 18.75 | 44.12 | 13.08 | 19.36 | 45.21 | 9.77 | 11.01 | 22.50 | 12.84 | 19.88 | 51.62 | 11.38 | 13.28 | 28.93 | |||||
| Price to Sales | 17.16 | 23.74 | 46.49 | 14.92 | 4.20 | 8.62 | 2.16 | 2.45 | 5.28 | 3.36 | 5.30 | 14.46 | 4.63 | 5.85 | 12.59 | |||||
| Book Value Per Common Share | 79.07 | 74.71 | 70.49 | 66.73 | 70.64 | 64.33 | 61.29 | 58.66 | 51.45 | 51.54 | 50.26 | 44.89 | 41.79 | 60.90 | 74.28 | 97.91 | 99.74 | 100.10 | 97.77 | 98.10 |
| Price to Book | 0.72 | 0.70 | 0.71 | 0.81 | 0.67 | 0.67 | 0.71 | 0.75 | 0.68 | 0.52 | 0.60 | 1.10 | 1.22 | 0.84 | 0.88 | 0.65 | 0.62 | 0.53 | 0.56 | 0.44 |
| Price to Operating Cash Flow | 15.00 | 65.34 | 41.04 | 11.02 | 12.47 | 24.50 | 4.56 | 4.85 | 20.05 | 7.84 | 9.56 | 34.44 | 21.68 | 30.47 | 18.57 | |||||
| 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 | 13.79 | -25.00 | -14.71 | 122.22 | |
| Revenue YoY | -79.49 | -1.17 | 8.28 | 4.30 | |
| EBITDA YoY | |||||
| Net Profit YoY | 15.29 | -25.03 | -19.66 | 109.46 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 53.43 | 145.13 | 61.16 | 133.33 | 46.31 | 83.46 | 54.69 | 101.57 | 36.68 | 109.47 | ||||||||||
| Revenue YoY | 50.62 | 103.80 | -69.32 | 104.72 | 47.25 | 92.97 | 57.06 | 111.52 | 47.08 | 106.44 | ||||||||||
| EBITDA YoY | ||||||||||||||||||||
| Net Profit YoY | 53.62 | 143.53 | 60.45 | 131.37 | 46.17 | 85.78 | 53.45 | 100.00 | 35.50 | 109.94 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 33.65 | 21.26 | 29.47 | 81.36 | 45.08 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 13.50 | 14.32 | 17.30 | 11.49 | 9.33 |
| 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 | 28.37 | 25.15 | 25.45 | 33.50 | 22.78 | 26.69 | 22.34 | 21.20 | 25.92 | 20.38 | 27.17 | 29.75 | 30.81 | 27.03 | 53.79 | 85.81 | 73.37 | 75.55 | 63.09 | 44.99 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 11.90 | 12.48 | 12.91 | 13.50 | 12.63 | 13.54 | 13.94 | 14.32 | 15.42 | 15.51 | 16.09 | 17.30 | 17.84 | 14.59 | 13.48 | 11.49 | 10.36 | 9.86 | 9.73 | 9.33 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.88 | 0.78 | 1.01 | 1.21 | 0.66 |
| ROE | 12.80 | 11.95 | 18.54 | 15.13 | 6.83 |
| Gross Margin | 96.80 | 82.27 | 86.21 | ||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 122.69 | 21.83 | 28.78 | 38.78 | 19.31 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.72 | 0.47 | 0.19 | 0.65 | 0.40 | 0.18 | 0.63 | 0.43 | 0.23 | 0.70 | 0.46 | 0.22 | 1.04 | 0.78 | 0.38 | |||||
| ROE | 9.26 | 6.28 | 2.69 | 8.90 | 5.88 | 2.62 | 10.42 | 7.17 | 3.94 | 13.27 | 7.21 | 3.23 | 11.78 | 8.42 | 4.06 | |||||
| Gross Margin | 91.55 | 74.08 | 67.98 | 65.55 | ||||||||||||||||
| Operating Margin | ||||||||||||||||||||
| EBITDA Margin | ||||||||||||||||||||
| Net Profit Margin | 131.13 | 128.57 | 107.59 | 121.89 | 23.30 | 20.62 | 23.24 | 23.41 | 24.31 | 27.34 | 27.98 | 29.59 | 42.25 | 45.86 | 45.10 |
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 | 88,775,000.00 | 87,203,000.00 | 89,545,000.00 | 93,200,000.00 | 81,479,000.00 |
| Deposits | 135,359,000.00 | 131,161,000.00 | 114,316,000.00 | 128,710,000.00 | 144,497,000.00 |
| Cash and Short-Term Investments | 4,954,000.00 | 3,141,000.00 | 4,423,000.00 | 13,011,000.00 | 7,382,000.00 |
| Cash and Cash Equivalents | 4,954,000.00 | 3,141,000.00 | 4,423,000.00 | 13,011,000.00 | 7,382,000.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 60,000.00 | 65,000.00 | 0 | 0 | 107,729,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 1,554,000.00 | 1,572,000.00 | 1,581,000.00 | 1,514,000.00 | 1,422,000.00 |
| Real Estate | 980,000.00 | 959,000.00 | 943,000.00 | 868,000.00 | 802,000.00 |
| Goodwill | 1,027,000.00 | 1,027,000.00 | 1,027,000.00 | 1,014,000.00 | 1,014,000.00 |
| Intangible Assets | 25,000.00 | 32,000.00 | 38,000.00 | 1,000.00 | 197,000.00 |
| 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 | 82,651,000.00 | 81,512,000.00 | 84,652,000.00 | 85,737,000.00 | 73,593,000.00 |
| 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 | 3,832,000.00 | 4,379,000.00 | 10,417,000.00 | 903,000.00 | 1,572,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 950,000.00 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 6,124,000.00 | 5,691,000.00 | 4,893,000.00 | 7,463,000.00 | 7,886,000.00 |
| Shareholders Equity | 9,868,000.00 | 8,690,000.00 | 6,674,000.00 | 14,846,000.00 | 16,097,000.00 |
| Capital Stock | 66,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 566,000.00 |
| Share Premium | 0 | 1,731,000.00 | 1,754,000.00 | 1,928,000.00 | 2,686,000.00 |
| Retained Earnings | 6,701,000.00 | 6,212,000.00 | 5,811,000.00 | 5,175,000.00 | 4,309,000.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -2,380,000.00 | -2,692,000.00 | -3,112,000.00 | -80,000.00 | 325,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 1,090,000.00 | 21,776,000.00 | 25,566,000.00 | 26,456,000.00 | 103,556,000.00 |
| Debt | 950,000.00 | 1,578,000.00 | 1,937,000.00 | 3,058,000.00 | 4,018,000.00 |
| Common Shares Outstanding | 147,871.00 | 148,153.00 | 148,664.00 | 151,625.00 | 164,090.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 639,000.00 | 3,115,000.00 | 3,152,000.00 | 2,911,000.00 | 2,791,000.00 |
| Cost Of Revenue | 0 | 0 | 101,000.00 | 516,000.00 | 385,000.00 |
| Interest Income | 4,293,000.00 | 3,947,000.00 | 2,705,000.00 | 2,267,000.00 | 2,368,000.00 |
| Interest Expense | 1,863,000.00 | 1,955,000.00 | 300,000.00 | 88,000.00 | 199,000.00 |
| Net Interest | 2,430,000.00 | 2,438,000.00 | 2,520,000.00 | 5,660,000.00 | 5,648,000.00 |
| Non-Interest Income | 700,000.00 | 677,000.00 | 632,000.00 | 703,000.00 | 574,000.00 |
| Non-Interest Expense | 2,046,000.00 | 2,097,000.00 | 1,878,000.00 | 1,741,000.00 | 1,704,000.00 |
| Provisions for Credit Losses | 0 | 0 | 101,000.00 | -516,000.00 | 385,000.00 |
| Gross Profit | 0 | 0 | 3,051,000.00 | 2,395,000.00 | 2,406,000.00 |
| Selling, General and Administrative Expenses | 906,000.00 | 462,000.00 | 209,000.00 | 218,000.00 | 201,000.00 |
| EBT | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 136,000.00 | 97,000.00 | 239,000.00 | 332,000.00 | 129,000.00 |
| Net Income | 784,000.00 | 680,000.00 | 907,000.00 | 1,129,000.00 | 539,000.00 |
| Deprecation and Amortization | 124,000.00 | 140,000.00 | 110,000.00 | 14,000.00 | 86,000.00 |
| EPS | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
| Average Shares Outstanding Basic | 147,210.00 | 147,748.00 | 150,064.00 | 159,913.00 | 163,737.00 |
| Average Shares Outstanding Diluted | 147,215.00 | 147,756.00 | 150,271.00 | 160,234.00 | 165,613.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 1,148,000.00 | 885,000.00 | 1,470,000.00 | 629,000.00 | 719,000.00 |
| Operating Net Income | 1,285,000.00 | 1,028,000.00 | 1,793,000.00 | 2,304,000.00 | 1,093,000.00 |
| Deprecation and Amortization | 124,000.00 | 140,000.00 | 110,000.00 | -14,000.00 | 86,000.00 |
| Deferred Income Tax | -7,000.00 | -9,000.00 | -43,000.00 | 32,000.00 | -58,000.00 |
| Share Based Compensation | 33,000.00 | 33,000.00 | 30,000.00 | 28,000.00 | 26,000.00 |
| Change in Working Capital | -104,000.00 | -490,000.00 | 1,442,000.00 | 198,000.00 | 363,000.00 |
| Other Operating Activities | -183,000.00 | 183,000.00 | -1,862,000.00 | -1,919,000.00 | -791,000.00 |
| Investing Cash Flow | -1,640,000.00 | 2,370,000.00 | 1,405,000.00 | -11,579,000.00 | -12,204,000.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 97,000.00 | 113,000.00 | 190,000.00 | 206,000.00 | 171,000.00 |
| Net Purchase/Sale of Investments Net | 4,009,000.00 | 4,111,000.00 | 9,955,000.00 | 19,083,000.00 | 11,264,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | -318,000.00 | 0 | 0 |
| Net Loan & Lease Activity | 1,714,000.00 | 2,103,000.00 | 4,628,000.00 | -2,814,000.00 | 4,687,000.00 |
| Other Investing Activities | -7,460,000.00 | -3,957,000.00 | -13,050,000.00 | -28,054,000.00 | -28,326,000.00 |
| Financing Cash Flow | 427,000.00 | -3,196,000.00 | -2,813,000.00 | 11,002,000.00 | 11,323,000.00 |
| Net Issuance/Repayment of Debt | 37,000.00 | -5,910,000.00 | 9,804,000.00 | -383,000.00 | -52,000.00 |
| Net Issuance/Repurchase of Equity | 46,000.00 | 54,000.00 | 211,000.00 | 821,000.00 | 84,000.00 |
| Dividends Paid | 289,000.00 | 282,000.00 | 269,000.00 | 261,000.00 | 259,000.00 |
| Other Financing Activities | 55,000.00 | 2,378,000.00 | -13,097,000.00 | 10,303,000.00 | 11,032,000.00 |
| Net Change in Cash | -65,000.00 | 59,000.00 | 62,000.00 | 52,000.00 | -162,000.00 |
| Cash at Beginning of Period | 716,000.00 | 657,000.00 | 595,000.00 | 543,000.00 | 705,000.00 |
| Cash at End of Period | 651,000.00 | 716,000.00 | 657,000.00 | 595,000.00 | 543,000.00 |
| 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 | 88,533,000.00 | 88,893,000.00 | 87,992,000.00 | 88,775,000.00 | 87,032,000.00 | 87,606,000.00 | 87,060,000.00 | 87,203,000.00 | 87,269,000.00 | 87,230,000.00 | 88,573,000.00 | 89,545,000.00 | 88,474,000.00 | 87,784,000.00 | 91,126,000.00 | 93,200,000.00 | 88,306,000.00 | 87,208,000.00 | 85,121,000.00 | 81,479,000.00 |
| Deposits | 131,108,000.00 | 129,593,000.00 | 133,587,000.00 | 135,359,000.00 | 174,436,000.00 | 168,402,000.00 | 168,874,000.00 | 131,161,000.00 | 173,893,000.00 | 173,092,000.00 | 153,072,000.00 | 114,316,000.00 | 154,896,000.00 | 160,949,000.00 | 167,790,000.00 | 128,710,000.00 | 159,151,000.00 | 156,099,000.00 | 152,134,000.00 | 144,497,000.00 |
| Cash and Short-Term Investments | 4,174,000.00 | 3,701,000.00 | 3,749,000.00 | 4,954,000.00 | 3,353,000.00 | 3,929,000.00 | 3,291,000.00 | 3,141,000.00 | 3,831,000.00 | 3,013,000.00 | 4,022,000.00 | 4,423,000.00 | 4,637,000.00 | 4,081,000.00 | 8,138,000.00 | 13,011,000.00 | 11,897,000.00 | 12,325,000.00 | 10,318,000.00 | 7,382,000.00 |
| Cash and Cash Equivalents | 4,174,000.00 | 3,701,000.00 | 3,749,000.00 | 4,954,000.00 | 3,353,000.00 | 3,929,000.00 | 3,291,000.00 | 3,141,000.00 | 3,831,000.00 | 3,013,000.00 | 4,022,000.00 | 4,423,000.00 | 4,637,000.00 | 4,081,000.00 | 8,138,000.00 | 13,011,000.00 | 11,897,000.00 | 12,325,000.00 | 10,318,000.00 | 7,382,000.00 |
| 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 | 124,000.00 | 100,000.00 | 61,000.00 | 60,000.00 | 58,000.00 | 61,000.00 | 58,000.00 | 65,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 157,000.00 | 0 | 175,000.00 | 180,000.00 | 107,590,000.00 | 107,729,000.00 |
| 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 | 1,563,000.00 | 1,550,000.00 | 1,553,000.00 | 1,554,000.00 | 1,536,000.00 | 1,549,000.00 | 1,564,000.00 | 1,572,000.00 | 1,580,000.00 | 1,584,000.00 | 1,585,000.00 | 1,581,000.00 | 1,571,000.00 | 1,555,000.00 | 1,534,000.00 | 1,514,000.00 | 1,478,000.00 | 1,441,000.00 | 1,440,000.00 | 1,422,000.00 |
| Real Estate | 1,000.00 | 1,000.00 | 1,000.00 | 980,000.00 | 2,000.00 | 3,000.00 | 1,000.00 | 959,000.00 | 0 | 0 | 0 | 943,000.00 | 0 | 0 | 0 | 868,000.00 | 0 | 0 | 0 | 802,000.00 |
| Goodwill | 0 | 0 | 0 | 1,027,000.00 | 0 | 0 | 0 | 1,027,000.00 | 0 | 0 | 0 | 1,027,000.00 | 0 | 0 | 0 | 1,014,000.00 | 0 | 0 | 0 | 1,014,000.00 |
| Intangible Assets | 0 | 0 | 0 | 25,000.00 | 0 | 0 | 0 | 32,000.00 | 0 | 0 | 0 | 38,000.00 | 0 | 0 | 0 | 1,000.00 | 0 | 0 | 0 | 197,000.00 |
| 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 | 81,668,000.00 | 82,297,000.00 | 81,665,000.00 | 82,651,000.00 | 80,647,000.00 | 81,581,000.00 | 81,231,000.00 | 81,512,000.00 | 81,954,000.00 | 81,947,000.00 | 83,389,000.00 | 84,652,000.00 | 83,778,000.00 | 82,152,000.00 | 84,832,000.00 | 85,737,000.00 | 80,532,000.00 | 79,175,000.00 | 77,188,000.00 | 73,593,000.00 |
| 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 | 3,832,000.00 | 0 | 0 | 0 | 4,379,000.00 | 0 | 0 | 0 | 10,417,000.00 | 0 | 0 | 0 | 903,000.00 | 0 | 0 | 0 | 1,572,000.00 |
| 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 | 1,473,000.00 | 970,000.00 | 964,000.00 | 950,000.00 | 548,000.00 | 546,000.00 | 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 | 6,865,000.00 | 6,596,000.00 | 6,327,000.00 | 6,124,000.00 | 6,385,000.00 | 6,025,000.00 | 5,829,000.00 | 5,691,000.00 | 5,315,000.00 | 5,283,000.00 | 5,184,000.00 | 4,893,000.00 | 4,696,000.00 | 5,632,000.00 | 6,294,000.00 | 7,463,000.00 | 7,774,000.00 | 8,033,000.00 | 7,933,000.00 | 7,886,000.00 |
| Shareholders Equity | 11,674,000.00 | 11,028,000.00 | 10,404,000.00 | 9,868,000.00 | 10,434,000.00 | 9,501,000.00 | 9,049,000.00 | 8,690,000.00 | 7,622,000.00 | 7,636,000.00 | 7,444,000.00 | 6,674,000.00 | 6,252,000.00 | 9,164,000.00 | 11,242,000.00 | 14,846,000.00 | 15,612,000.00 | 16,241,000.00 | 16,014,000.00 | 16,097,000.00 |
| Capital Stock | 66,000.00 | 66,000.00 | 66,000.00 | 66,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 440,000.00 | 566,000.00 | 566,000.00 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 1,705,000.00 | 1,731,000.00 | 1,726,000.00 | 1,722,000.00 | 1,715,000.00 | 1,754,000.00 | 1,799,000.00 | 1,845,000.00 | 1,889,000.00 | 1,928,000.00 | 2,245,000.00 | 2,565,000.00 | 2,653,000.00 | 2,686,000.00 |
| Retained Earnings | 7,134,000.00 | 6,981,000.00 | 6,805,000.00 | 6,701,000.00 | 6,564,000.00 | 6,421,000.00 | 6,293,000.00 | 6,212,000.00 | 6,157,000.00 | 6,051,000.00 | 5,949,000.00 | 5,811,000.00 | 5,597,000.00 | 5,447,000.00 | 5,311,000.00 | 5,175,000.00 | 5,025,000.00 | 4,853,000.00 | 4,566,000.00 | 4,309,000.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -2,056,000.00 | -2,164,000.00 | -2,250,000.00 | -2,380,000.00 | -2,336,000.00 | -2,549,000.00 | -2,609,000.00 | -2,692,000.00 | -3,008,000.00 | -2,930,000.00 | -2,920,000.00 | -3,112,000.00 | -3,140,000.00 | -2,100,000.00 | -1,346,000.00 | -80,000.00 | 64,000.00 | 175,000.00 | 148,000.00 | 325,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1,500,000.00 | 1,722,000.00 | 1,237,000.00 | 1,090,000.00 | 1,150,000.00 | 20,631,000.00 | 21,239,000.00 | 21,776,000.00 | 21,729,000.00 | 22,637,000.00 | 23,760,000.00 | 25,566,000.00 | 26,217,000.00 | 28,277,000.00 | 28,998,000.00 | 26,456,000.00 | 23,162,000.00 | 20,848,000.00 | 105,952,000.00 | 103,556,000.00 |
| Debt | 1,473,000.00 | 970,000.00 | 964,000.00 | 950,000.00 | 548,000.00 | 546,000.00 | 1,586,000.00 | 1,578,000.00 | 1,555,000.00 | 1,536,000.00 | 1,903,000.00 | 1,937,000.00 | 1,922,000.00 | 2,002,000.00 | 2,077,000.00 | 3,058,000.00 | 3,096,000.00 | 3,954,000.00 | 3,931,000.00 | 4,018,000.00 |
| Common Shares Outstanding | 147,640.00 | 147,603.00 | 147,600.00 | 147,871.00 | 147,700.00 | 147,700.00 | 147,653.00 | 148,153.00 | 148,146.00 | 148,144.00 | 148,100.00 | 148,664.00 | 149,611.00 | 150,471.00 | 151,348.00 | 151,625.00 | 156,530.00 | 162,248.00 | 163,800.00 | 164,090.00 |
| 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 | 485,000.00 | 322,000.00 | 158,000.00 | -2,088,000.00 | 466,000.00 | 1,519,000.00 | 742,000.00 | -1,727,000.00 | 2,384,000.00 | 1,619,000.00 | 839,000.00 | -1,264,000.00 | 2,279,000.00 | 1,451,000.00 | 686,000.00 | -1,445,000.00 | 2,168,000.00 | 1,474,000.00 | 714,000.00 |
| Cost Of Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 43,000.00 | 0 | 0 | 58,000.00 | -764,000.00 | 562,000.00 | 472,000.00 | 246,000.00 |
| Interest Income | 3,143,000.00 | 2,079,000.00 | 1,028,000.00 | -2,119,000.00 | 3,231,000.00 | 2,127,000.00 | 1,054,000.00 | -1,777,000.00 | 2,907,000.00 | 1,897,000.00 | 920,000.00 | -883,000.00 | 1,870,000.00 | 1,163,000.00 | 555,000.00 | -1,128,000.00 | 1,701,000.00 | 1,132,000.00 | 562,000.00 |
| Interest Expense | 1,199,000.00 | 807,000.00 | 404,000.00 | -1,069,000.00 | 1,428,000.00 | 944,000.00 | 560,000.00 | -833,000.00 | 1,436,000.00 | 952,000.00 | 400,000.00 | 137,000.00 | 108,000.00 | 39,000.00 | 16,000.00 | -54,000.00 | 69,000.00 | 48,000.00 | 25,000.00 |
| Net Interest | 1,944,000.00 | 1,272,000.00 | 624,000.00 | -5,558,000.00 | 4,026,000.00 | 2,648,000.00 | 1,314,000.00 | -6,001,000.00 | 4,129,000.00 | 2,815,000.00 | 1,495,000.00 | -7,338,000.00 | 5,088,000.00 | 3,234,000.00 | 1,536,000.00 | -2,696,000.00 | 4,202,000.00 | 2,780,000.00 | 1,374,000.00 |
| Non-Interest Income | 550,000.00 | 361,000.00 | 171,000.00 | -298,000.00 | 507,000.00 | 335,000.00 | 156,000.00 | -361,000.00 | 529,000.00 | 349,000.00 | 160,000.00 | -303,000.00 | 479,000.00 | 314,000.00 | 142,000.00 | -353,000.00 | 513,000.00 | 374,000.00 | 169,000.00 |
| Non-Interest Expense | 1,592,000.00 | 1,065,000.00 | 538,000.00 | -1,052,000.00 | 1,537,000.00 | 1,035,000.00 | 526,000.00 | -951,000.00 | 1,516,000.00 | 1,020,000.00 | 512,000.00 | -921,000.00 | 1,407,000.00 | 928,000.00 | 464,000.00 | -849,000.00 | 1,292,000.00 | 863,000.00 | 435,000.00 |
| Provisions for Credit Losses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 159,000.00 | 0 | 0 | -58,000.00 | 764,000.00 | -562,000.00 | -472,000.00 | -246,000.00 |
| Gross Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,423,000.00 | 0 | 0 | 628,000.00 | -681,000.00 | 1,606,000.00 | 1,002,000.00 | 468,000.00 |
| Selling, General and Administrative Expenses | 696,000.00 | 458,000.00 | 235,000.00 | 189,000.00 | 360,000.00 | 240,000.00 | 117,000.00 | -210,000.00 | 342,000.00 | 222,000.00 | 108,000.00 | -362,000.00 | 312,000.00 | 207,000.00 | 52,000.00 | -117,000.00 | 165,000.00 | 112,000.00 | 58,000.00 |
| EBT | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 142,000.00 | 98,000.00 | 66,000.00 | -57,000.00 | 103,000.00 | 63,000.00 | 27,000.00 | -226,000.00 | 150,000.00 | 107,000.00 | 66,000.00 | -103,000.00 | 172,000.00 | 114,000.00 | 56,000.00 | -231,000.00 | 272,000.00 | 198,000.00 | 93,000.00 |
| Net Income | 636,000.00 | 414,000.00 | 170,000.00 | -291,000.00 | 568,000.00 | 354,000.00 | 153,000.00 | -457,000.00 | 554,000.00 | 379,000.00 | 204,000.00 | -325,000.00 | 623,000.00 | 406,000.00 | 203,000.00 | -785,000.00 | 916,000.00 | 676,000.00 | 322,000.00 |
| Deprecation and Amortization | 87,000.00 | 57,000.00 | 28,000.00 | -66,000.00 | 95,000.00 | 63,000.00 | 32,000.00 | -76,000.00 | 108,000.00 | 72,000.00 | 36,000.00 | -33,000.00 | 79,000.00 | 45,000.00 | 19,000.00 | -22,000.00 | 22,000.00 | 11,000.00 | 3,000.00 |
| 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 | 0.01 | 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 | 0.01 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 147,136.00 | 147,182.00 | 147,321.00 | 147,078.00 | 147,197.00 | 147,227.00 | 147,338.00 | 147,341.00 | 147,784.00 | 147,852.00 | 148,015.00 | 147,503.00 | 150,510.00 | 150,958.00 | 151,285.00 | 150,798.00 | 162,159.00 | 163,144.00 | 163,551.00 |
| Average Shares Outstanding Diluted | 147,175.00 | 147,210.00 | 147,387.00 | 147,084.00 | 147,202.00 | 147,231.00 | 147,343.00 | 147,327.00 | 147,794.00 | 147,865.00 | 148,038.00 | 147,367.00 | 150,766.00 | 151,264.00 | 151,687.00 | 151,121.00 | 162,460.00 | 163,468.00 | 163,887.00 |
| 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 | 555,000.00 | 117,000.00 | 179,000.00 | -256,000.00 | 631,000.00 | 512,000.00 | 261,000.00 | -1,285,000.00 | 1,130,000.00 | 819,000.00 | 221,000.00 | -598,000.00 | 976,000.00 | 804,000.00 | 288,000.00 | -601,000.00 | 463,000.00 | 283,000.00 | 484,000.00 |
| Operating Net Income | 1,096,000.00 | 710,000.00 | 283,000.00 | -431,000.00 | 919,000.00 | 563,000.00 | 234,000.00 | -1,043,000.00 | 1,009,000.00 | 691,000.00 | 371,000.00 | -703,000.00 | 1,253,000.00 | 827,000.00 | 416,000.00 | -1,593,000.00 | 1,867,000.00 | 1,375,000.00 | 655,000.00 |
| Deprecation and Amortization | 87,000.00 | 57,000.00 | 28,000.00 | -66,000.00 | 95,000.00 | 63,000.00 | 32,000.00 | -76,000.00 | 108,000.00 | 72,000.00 | 36,000.00 | -33,000.00 | 79,000.00 | 45,000.00 | 19,000.00 | 22,000.00 | -22,000.00 | -11,000.00 | -3,000.00 |
| Deferred Income Tax | 40,000.00 | 31,000.00 | 38,000.00 | -49,000.00 | 3,000.00 | 17,000.00 | 22,000.00 | -23,000.00 | 21,000.00 | -13,000.00 | 6,000.00 | -126,000.00 | 15,000.00 | 29,000.00 | 39,000.00 | -254,000.00 | 108,000.00 | 108,000.00 | 70,000.00 |
| Share Based Compensation | 29,000.00 | 23,000.00 | 17,000.00 | -35,000.00 | 28,000.00 | 24,000.00 | 16,000.00 | -36,000.00 | 28,000.00 | 24,000.00 | 17,000.00 | -34,000.00 | 25,000.00 | 22,000.00 | 17,000.00 | -28,000.00 | 23,000.00 | 19,000.00 | 14,000.00 |
| Change in Working Capital | -61,000.00 | -29,000.00 | -148,000.00 | 421,000.00 | -304,000.00 | -79,000.00 | -142,000.00 | 2,206,000.00 | -768,000.00 | -960,000.00 | -968,000.00 | -704,000.00 | 1,366,000.00 | 527,000.00 | 253,000.00 | 137,000.00 | 230,000.00 | 173,000.00 | -342,000.00 |
| Other Operating Activities | -636,000.00 | -675,000.00 | -39,000.00 | -96,000.00 | -110,000.00 | -76,000.00 | 99,000.00 | -2,313,000.00 | 732,000.00 | 1,005,000.00 | 759,000.00 | 1,002,000.00 | -1,762,000.00 | -646,000.00 | -456,000.00 | 1,115,000.00 | -1,743,000.00 | -1,381,000.00 | 90,000.00 |
| Investing Cash Flow | 1,389,000.00 | 1,030,000.00 | 1,661,000.00 | -2,012,000.00 | 726,000.00 | -407,000.00 | 53,000.00 | -1,633,000.00 | 1,632,000.00 | 1,780,000.00 | 591,000.00 | -4,777,000.00 | 1,954,000.00 | 3,297,000.00 | 931,000.00 | 4,515,000.00 | -6,573,000.00 | -5,523,000.00 | -3,998,000.00 |
| 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 | 83,000.00 | 58,000.00 | 27,000.00 | -49,000.00 | 69,000.00 | 47,000.00 | 30,000.00 | -55,000.00 | 84,000.00 | 53,000.00 | 31,000.00 | -119,000.00 | 154,000.00 | 102,000.00 | 53,000.00 | -84,000.00 | 153,000.00 | 84,000.00 | 53,000.00 |
| Net Purchase/Sale of Investments Net | 3,214,000.00 | 2,312,000.00 | 1,274,000.00 | -1,722,000.00 | 2,888,000.00 | 1,955,000.00 | 888,000.00 | -2,253,000.00 | 3,200,000.00 | 2,194,000.00 | 970,000.00 | -12,747,000.00 | 9,033,000.00 | 7,945,000.00 | 5,724,000.00 | -6,296,000.00 | 13,022,000.00 | 8,173,000.00 | 4,184,000.00 |
| Net Purchase/Sale of Business | -191,000.00 | -191,000.00 | -191,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -318,000.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 1,714,000.00 | 2,103,000.00 | 4,628,000.00 | -2,814,000.00 | 4,687,000.00 | ||||||||||||||
| Other Investing Activities | -2,272,000.00 | -2,182,000.00 | 415,000.00 | 186,000.00 | -3,361,000.00 | -3,099,000.00 | -1,186,000.00 | 1,862,000.00 | -2,893,000.00 | -1,778,000.00 | -1,148,000.00 | 8,636,000.00 | -10,259,000.00 | -6,226,000.00 | -5,201,000.00 | 8,519,000.00 | -16,791,000.00 | -11,603,000.00 | -8,179,000.00 |
| Financing Cash Flow | -1,824,000.00 | -1,018,000.00 | -1,658,000.00 | 1,811,000.00 | -959,000.00 | -104,000.00 | -321,000.00 | 2,940,000.00 | -2,719,000.00 | -2,555,000.00 | -862,000.00 | 5,414,000.00 | -2,976,000.00 | -4,137,000.00 | -1,114,000.00 | -3,931,000.00 | 6,164,000.00 | 5,222,000.00 | 3,547,000.00 |
| Net Issuance/Repayment of Debt | 423,000.00 | 2,240,000.00 | -356,000.00 | -290,000.00 | -1,460,000.00 | 1,271,000.00 | 516,000.00 | 3,102,000.00 | -5,943,000.00 | -4,776,000.00 | 1,707,000.00 | 4,622,000.00 | 4,751,000.00 | 405,000.00 | 26,000.00 | 1,700,000.00 | -712,000.00 | -831,000.00 | -540,000.00 |
| Net Issuance/Repurchase of Equity | 47,000.00 | 45,000.00 | 45,000.00 | -60,000.00 | 36,000.00 | 35,000.00 | 35,000.00 | -102,000.00 | 52,000.00 | 52,000.00 | 52,000.00 | -114,000.00 | 159,000.00 | 109,000.00 | 57,000.00 | 101,000.00 | 492,000.00 | 167,000.00 | 61,000.00 |
| Dividends Paid | 199,000.00 | 131,000.00 | 66,000.00 | -140,000.00 | 215,000.00 | 143,000.00 | 71,000.00 | -136,000.00 | 211,000.00 | 138,000.00 | 69,000.00 | -127,000.00 | 200,000.00 | 130,000.00 | 66,000.00 | -133,000.00 | 199,000.00 | 129,000.00 | 66,000.00 |
| Other Financing Activities | -2,493,000.00 | -3,434,000.00 | -1,413,000.00 | 2,301,000.00 | 250,000.00 | -1,553,000.00 | -943,000.00 | 76,000.00 | 2,961,000.00 | 2,031,000.00 | -2,690,000.00 | 1,033,000.00 | -8,086,000.00 | -4,781,000.00 | -1,263,000.00 | -5,599,000.00 | 6,185,000.00 | 5,757,000.00 | 3,960,000.00 |
| Net Change in Cash | 120,000.00 | 129,000.00 | 182,000.00 | -457,000.00 | 398,000.00 | 1,000.00 | -7,000.00 | 22,000.00 | 43,000.00 | 44,000.00 | -50,000.00 | 39,000.00 | -46,000.00 | -36,000.00 | 105,000.00 | -17,000.00 | 54,000.00 | -18,000.00 | 33,000.00 |
| Cash at Beginning of Period | 651,000.00 | 651,000.00 | 651,000.00 | 1,108,000.00 | 716,000.00 | 716,000.00 | 716,000.00 | 694,000.00 | 657,000.00 | 657,000.00 | 657,000.00 | 618,000.00 | 595,000.00 | 595,000.00 | 595,000.00 | 612,000.00 | 543,000.00 | 543,000.00 | 543,000.00 |
| Cash at End of Period | 771,000.00 | 780,000.00 | 833,000.00 | 651,000.00 | 1,114,000.00 | 717,000.00 | 709,000.00 | 716,000.00 | 700,000.00 | 701,000.00 | 607,000.00 | 657,000.00 | 549,000.00 | 559,000.00 | 700,000.00 | 595,000.00 | 597,000.00 | 525,000.00 | 576,000.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |