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	Sep '26 Sep 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	127.58	100.27	88.73	79.08	62.51	56.8
Interest Income on Investments	44.47	14.89	16.27	12.13	10.73	4.24
Total Interest Income	172.05	115.16	105	91.21	73.24	61.04
Interest Paid on Deposits	35.71	25.36	26.1	12.56	1.14	1.59
Interest Paid on Borrowings	1.93	1.37	2.96	3.96	1.35	1.45
Total Interest Expense	37.64	26.73	29.05	16.52	2.5	3.04
Net Interest Income	134.4	88.43	75.95	74.69	70.74	58
Net Interest Income Growth	57.56%	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	20.99	11.41	7.98	3.2	4.26	3.96
Total Non-Interest Income	40.11	27.41	22.83	16.71	17.41	15.97
Non-Interest Income Growth	73.26%	20.06%	36.65%	-4.02%	9.01%	10.94%
Revenues Before Loan Losses	174.51	115.83	98.78	91.39	88.15	73.97
Provision for Loan Losses	2.99	1.8	0.9	4.43	3.75	3
Revenue	171.52	114.03	97.88	86.97	84.4	70.97
Revenue Growth	60.15%	16.51%	12.54%	3.04%	18.93%	20.16%
Salaries and Employee Benefits	54.19	40.82	33.42	31.35	28.73	24.99
Occupancy Expenses	12.24	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	47.46	22.89	20.7	19.77	17.15	14.21
Total Non-Interest Expense	116.22	75.83	65.17	61.9	55.28	47.75
EBT Excluding Unusual Items	55.3	38.2	32.71	25.07	29.12	23.22
Pretax Income	55.3	38.2	32.71	25.07	29.09	22.82
Income Tax Expense	11.99	7.58	7.31	5.48	6.12	4.85
Net Income	43.3	30.62	25.39	19.59	22.97	17.97
Net Income to Common	43.3	30.62	25.39	19.59	22.97	17.97
Net Income Growth	57.44%	20.59%	29.62%	-14.70%	27.79%	33.40%
Basic Shares Outstanding	19	14	13	13	13	12
Diluted Shares Outstanding	19	14	14	14	14	13
Shares Change	39.90%	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)	2.23	2.20	1.84	1.43	1.67	1.39
EPS Growth	12.81%	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	Sep '26 Sep 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	1.900	5.500	5.100	5.000	4.700	4.600
Dividend Growth	-64.49%	7.84%	2.00%	6.38%	2.17%	15.00%
Effective Tax Rate	21.69%	19.84%	22.36%	21.85%	21.04%	21.24%