Vallant Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	100.27	100.27	88.73	79.08	62.51	56.8
Interest Income on Investments	16.9	14.89	16.27	12.13	10.73	4.24
Total Interest Income	117.17	115.16	105	91.21	73.24	61.04
Interest Paid on Deposits	24.54	25.36	26.1	12.56	1.14	1.59
Interest Paid on Borrowings	1.44	1.37	2.96	3.96	1.35	1.45
Total Interest Expense	25.97	26.73	29.05	16.52	2.5	3.04
Net Interest Income	91.2	88.43	75.95	74.69	70.74	58
Net Interest Income Growth (YoY)	16.54%	16.43%	1.69%	5.58%	21.97%	16.77%
Gain (Loss) on Sale of Investments	0.13	0.14	-0.04	-1.14	-0.43	0.18
Other Non-Interest Income	11.42	11.41	7.98	3.2	4.26	3.96
Total Non-Interest Income	27.89	27.41	22.83	16.71	17.41	15.97
Non-Interest Income Growth (YoY)	16.62%	20.06%	36.65%	-4.02%	9.01%	10.94%
Revenues Before Loan Losses	119.09	115.83	98.78	91.39	88.15	73.97
Provision for Loan Losses	1.95	1.8	0.9	4.43	3.75	3
Revenue	117.14	114.03	97.88	86.97	84.4	70.97
Revenue Growth (YoY)	15.67%	16.51%	12.54%	3.04%	18.93%	20.16%
Salaries and Employee Benefits	41.76	40.82	33.42	31.35	28.73	24.99
Occupancy Expenses	10.06	9.79	8.73	8.38	8.88	8.2
Selling, General & Administrative	2.33	2.33	2.32	2.41	0.52	0.25
Other Non-Interest Expense	24.58	22.89	20.7	19.77	17.15	14.21
Total Non-Interest Expense	78.73	75.83	65.17	61.9	55.28	47.75
EBT Excluding Unusual Items	38.42	38.2	32.71	25.07	29.12	23.22
Pretax Income	38.42	38.2	32.71	25.07	29.09	22.82
Income Tax Expense	7.67	7.58	7.31	5.48	6.12	4.85
Net Income	30.75	30.62	25.39	19.59	22.97	17.97
Net Income to Common	30.75	30.62	25.39	19.59	22.97	17.97
Net Income Growth	16.60%	20.59%	29.62%	-14.70%	27.79%	33.40%
Basic Shares Outstanding	14	14	13	13	13	12
Diluted Shares Outstanding	14	14	14	14	14	13
Shares Change (YoY)	0.42%	0.94%	0.39%	-0.03%	6.46%	5.65%
EPS (Basic)	2.24	2.23	1.94	1.53	1.82	1.53
EPS (Diluted)	2.21	2.20	1.84	1.43	1.67	1.39
EPS Growth	16.16%	19.49%	29.08%	-14.65%	20.03%	26.29%
Dividend Per Share	0.565	0.550	0.510	0.500	0.470	0.460
Dividend Growth	9.71%	7.84%	2.00%	6.38%	2.17%	15.00%
Effective Tax Rate	19.95%	19.84%	22.36%	21.85%	21.04%	21.24%