FRAF 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	72.56	69.65	57.51	53.64	51.59	44.67
Net Interest Income Growth	21.82%	21.09%	7.23%	3.98%	15.48%	6.46%
Non-Interest Income	19.97	19.18	13.68	14.85	15.25	19.49
Non-Interest Income Growth	9.03%	40.19%	-7.89%	-2.62%	-21.75%	29.20%
Revenues Before Loan Losses	92.54	88.82	71.19	68.49	66.84	64.16
Provision for Credit Losses	2.34	2.9	1.98	2.72	-	-2.1
Revenue	90.2	85.92	69.21	65.76	66.84	66.26
Revenue Growth (YoY)	19.35%	24.15%	5.24%	-1.60%	0.87%	26.40%
Compensation Expenses	8.86	35.33	32.75	28.81	28.09	24.78
Selling, General & Admin	-	15.15	14.41	13.56	12.94	11.15
Other Non-Interest Expenses	-0.02	9.18	8.73	7.64	7.66	7.31
Total Non-Interest Expense	60.43	59.66	55.9	50.01	48.69	43.25
Pretax Income	29.76	26.27	13.32	15.75	17.5	23.01
Provision for Income Taxes	5.82	5.04	2.22	2.16	2.56	3.4
Net Income	23.94	21.23	11.1	13.6	14.94	19.62
Net Income to Common	23.94	21.23	11.1	13.6	14.94	19.62
Net Income Growth	105.33%	91.24%	-18.38%	-8.97%	-23.85%	53.25%
Shares Outstanding (Basic)	4	4	4	4	4	4
Shares Outstanding (Diluted)	4	4	4	4	4	4
Shares Change (YoY)	0.23%	1.41%	0.75%	-1.44%	0.11%	1.70%
EPS (Basic)	5.36	4.76	2.52	3.11	3.38	4.44
EPS (Diluted)	5.34	4.74	2.51	3.11	3.38	4.44
EPS Growth	105.38%	88.84%	-19.29%	-7.99%	-23.87%	51.02%
Free Cash Flow	39.98	24.58	19.19	26.07	13.03	17.54
Free Cash Flow Growth	62.67%	28.08%	-26.39%	100.11%	-25.74%	194.77%
Free Cash Flow Per Share	8.93	5.49	4.35	5.95	2.93	3.95
Dividends Per Share	1.320	1.310	1.280	1.280	1.280	1.250
Dividend Growth	0.76%	2.34%	-	-	2.40%	4.17%
Profit Margin	26.54%	24.70%	16.04%	20.68%	22.35%	29.60%
FCF Margin	44.32%	28.60%	27.72%	39.64%	19.49%	26.47%
Effective Tax Rate	19.56%	19.19%	16.64%	13.68%	14.62%	14.76%

SEC Filings: 10-K · 10-Q