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	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
Net Interest Income	147.78	137.07	74.44	65.89	67.31	60.64
Net Interest Income Growth	44.55%	84.13%	12.99%	-2.12%	11.00%	18.74%
Non-Interest Income	26.13	24.67	18	14.91	14.07	19.19
Non-Interest Income Growth	22.76%	37.07%	20.72%	5.93%	-26.68%	-15.44%
Revenues Before Loan Losses	173.91	161.74	92.44	80.79	81.39	79.84
Provision for Credit Losses	1.55	14.81	0.63	0.15	0.25	0.42
Revenue	172.36	146.92	91.81	80.64	81.14	79.42
Revenue Growth	58.01%	60.03%	13.85%	-0.61%	2.16%	13.83%
Compensation Expenses	57.21	52.74	33.41	31.96	30.39	29.3
Selling, General & Admin	27.79	26.01	16.98	16.37	16.58	16.83
Other Non-Interest Expenses	18.39	33.99	8.34	6.75	6.51	6.79
Total Non-Interest Expense	103.39	112.74	58.72	55.07	53.48	52.92
Pretax Income	66.83	34.19	33.09	25.57	27.66	26.5
Provision for Income Taxes	12.12	6.01	6.36	4.31	4.02	4.46
Net Income	54.72	28.18	26.73	21.26	23.64	22.04
Net Income to Common	54.72	28.18	26.73	21.26	23.64	22.04
Net Income Growth	287.09%	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	38.87%	70.20%	8.57%	0.60%	-2.28%	2.27%
EPS (Basic)	3.64	2.02	3.27	2.82	3.15	2.87
EPS (Diluted)	3.63	2.01	3.25	2.82	3.15	2.86
EPS Growth	190.40%	-38.15%	15.25%	-10.48%	10.14%	38.16%
Free Cash Flow	-	25.19	45.38	42.1	43.16	34.94
Free Cash Flow Growth	-	-44.49%	7.78%	-2.46%	23.54%	427.32%
Free Cash Flow Per Share	-	1.80	5.52	5.56	5.73	4.54
Dividends Per Share	1.150	1.130	1.090	1.050	1.010	0.940
Dividend Growth	3.60%	3.67%	3.81%	3.96%	7.45%	14.63%
Profit Margin	31.75%	19.18%	29.11%	26.36%	29.14%	27.75%
FCF Margin	-	17.14%	49.42%	52.21%	53.20%	43.99%
Effective Tax Rate	18.13%	17.59%	19.23%	16.84%	14.53%	16.82%

SEC Filings: 10-K · 10-Q