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	Jun '26 Jun 30, 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	99.92	100.27	88.73	79.08	62.51	56.8
Interest Income on Investments	42.38	14.89	16.27	12.13	10.73	4.24
Total Interest Income	142.3	115.16	105	91.21	73.24	61.04
Interest Paid on Deposits	30.03	25.36	26.1	12.56	1.14	1.59
Interest Paid on Borrowings	1.72	1.37	2.96	3.96	1.35	1.45
Total Interest Expense	31.74	26.73	29.05	16.52	2.5	3.04
Net Interest Income	110.56	88.43	75.95	74.69	70.74	58
Net Interest Income Growth	35.86%	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	16.24	11.41	7.98	3.2	4.26	3.96
Total Non-Interest Income	34.21	27.41	22.83	16.71	17.41	15.97
Non-Interest Income Growth	38.31%	20.06%	36.65%	-4.02%	9.01%	10.94%
Revenues Before Loan Losses	144.77	115.83	98.78	91.39	88.15	73.97
Provision for Loan Losses	2.14	1.8	0.9	4.43	3.75	3
Revenue	142.63	114.03	97.88	86.97	84.4	70.97
Revenue Growth	35.57%	16.51%	12.54%	3.04%	18.93%	20.16%
Salaries and Employee Benefits	47.6	40.82	33.42	31.35	28.73	24.99
Occupancy Expenses	11.23	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	38.98	22.89	20.7	19.77	17.15	14.21
Total Non-Interest Expense	100.14	75.83	65.17	61.9	55.28	47.75
EBT Excluding Unusual Items	42.49	38.2	32.71	25.07	29.12	23.22
Pretax Income	42.49	38.2	32.71	25.07	29.09	22.82
Income Tax Expense	8.75	7.58	7.31	5.48	6.12	4.85
Net Income	33.74	30.62	25.39	19.59	22.97	17.97
Net Income to Common	33.74	30.62	25.39	19.59	22.97	17.97
Net Income Growth	22.25%	20.59%	29.62%	-14.70%	27.79%	33.40%
Basic Shares Outstanding	17	14	13	13	13	12
Diluted Shares Outstanding	17	14	14	14	14	13
Shares Change	20.18%	0.94%	0.39%	-0.03%	6.46%	5.65%
EPS (Basic)	2.04	2.23	1.94	1.53	1.82	1.53
EPS (Diluted)	2.02	2.20	1.84	1.43	1.67	1.39
EPS Growth	1.76%	19.49%	29.08%	-14.65%	20.03%	26.29%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	3.190	5.500	5.100	5.000	4.700	4.600
Dividend Growth	-	7.84%	2.00%	6.38%	2.17%	15.00%
Effective Tax Rate	20.60%	19.84%	22.36%	21.85%	21.04%	21.24%