COFS 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
Net Interest Income	147.4	137.07	74.44	65.89	67.31	60.64
Net Interest Income Growth	74.90%	84.13%	12.99%	-2.12%	11.00%	18.74%
Non-Interest Income	25.56	24.67	18	14.91	14.07	19.19
Non-Interest Income Growth	35.48%	37.07%	20.72%	5.93%	-26.68%	-15.44%
Revenues Before Loan Losses	172.96	161.74	92.44	80.79	81.39	79.84
Provision for Credit Losses	1.65	14.81	0.63	0.15	0.25	0.42
Revenue	171.31	146.92	91.81	80.64	81.14	79.42
Revenue Growth (YoY)	91.71%	60.03%	13.85%	-0.61%	2.16%	13.83%
Compensation Expenses	56.48	52.74	33.41	31.96	30.39	29.3
Selling, General & Admin	27.73	26.01	16.98	16.37	16.58	16.83
Other Non-Interest Expenses	18.64	33.99	8.34	6.75	6.51	6.79
Total Non-Interest Expense	102.85	112.74	58.72	55.07	53.48	52.92
Pretax Income	68.46	34.19	33.09	25.57	27.66	26.5
Provision for Income Taxes	12.68	6.01	6.36	4.31	4.02	4.46
Net Income	55.79	28.18	26.73	21.26	23.64	22.04
Net Income to Common	55.79	28.18	26.73	21.26	23.64	22.04
Net Income Growth	676.21%	5.42%	25.71%	-10.06%	7.25%	41.18%
Shares Outstanding (Basic)	15	14	8	8	8	8
Shares Outstanding (Diluted)	15	14	8	8	8	8
Shares Change (YoY)	67.30%	70.20%	8.57%	0.60%	-2.28%	2.27%
EPS (Basic)	3.71	2.02	3.27	2.82	3.15	2.87
EPS (Diluted)	3.70	2.01	3.25	2.82	3.15	2.86
EPS Growth	203.28%	-38.15%	15.25%	-10.48%	10.14%	38.16%
Free Cash Flow	30.79	25.19	45.38	42.1	43.16	34.94
Free Cash Flow Growth	22.26%	-44.49%	7.78%	-2.46%	23.54%	427.32%
Free Cash Flow Per Share	2.05	1.80	5.52	5.56	5.73	4.54
Dividends Per Share	1.140	1.130	1.090	1.050	1.010	0.940
Dividend Growth	0.89%	3.67%	3.81%	3.96%	7.45%	14.63%
Profit Margin	32.56%	19.18%	29.11%	26.36%	29.14%	27.75%
FCF Margin	17.97%	17.14%	49.42%	52.21%	53.20%	43.99%
Effective Tax Rate	18.52%	17.59%	19.23%	16.84%	14.53%	16.82%

SEC Filings: 10-K · 10-Q