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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 17.8  13.1 
EBITDA Growth (%) 25.3 
Free Cash Flow Growth (%) -1.4  11000 
Book Value Growth (%) -2.9 

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.
   Trendline:
Export: Download financial data to Excel Download financial data to CSV  Print This Table Print helpSee this page for the explanation of the data and charts * All numbers are in millions except for per share data
Per Share DataAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Dec11 Mar12 Jun12 Sep12 Dec12
   
Revenue per Share ($)
--
--
--
--
1.95
2.23
2.74
3.56
3.74
4.32
4.32
1.03
1.11
1.04
1.13
1.04
EBITDA per Share
--
--
--
--
-0.02
-2.79
0.31
0.81
0.88
1.14
1.14
0.25
0.42
0.28
0.18
0.26
Free Cashflow per Share
--
--
--
--
-0.26
0.94
0.39
1.71
0.06
2.23
2.22
-0.54
0.72
0.14
0.55
0.81
Earnings per Share ($)
--
--
--
--
-0.05
-1.73
0.08
0.39
0.44
0.57
0.57
0.13
0.22
0.14
0.11
0.10
Dividends Per Share
--
--
--
--
--
0.05
0.20
0.20
0.20
0.20
0.20
0.05
0.05
0.05
0.05
0.05
Book Value per Share
--
--
--
--
16.84
14.97
15.43
15.54
15.27
15.79
15.77
16.24
15.57
15.80
15.85
15.77
Month End Stock Price
--
--
--
--
10.61
10.25
10.61
12.13
12.87
12.85
12.85
12.87
13.00
13.50
13.00
12.85
RatiosAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Dec11 Mar12 Jun12 Sep12 Dec12
   
Return on Equity %
5.60
2.90
17.00
1.90
-0.30
-11.50
0.50
2.50
2.90
3.60
2.80
3.20
5.60
3.60
2.80
2.80
Return on Assets %
0.80
0.40
2.50
0.30
-0.10
-2.40
0.10
0.50
0.50
0.70
0.40
0.40
1.20
0.80
0.40
0.40
Return on Capital - Joel Greenblatt %
--
--
--
--
-16.00
--
1.50
132
23.50
--
--
24.40
1,050
131
--
--
Debt to Equity
0.38
0.36
0.37
--
--
1.05
0.68
0.72
0.94
0.59
0.59
0.94
0.85
0.76
0.62
0.59
   
Operating Margin %
--
--
--
--
-5.10
-133
4.00
17.40
18.60
21.60
20.30
18.80
32.40
21.90
11.90
20.30
Net Margin %
15.20
9.30
26.70
6.40
-2.80
-77.40
2.90
11.10
11.70
13.20
10.00
12.60
19.60
13.70
9.30
10.00
   
Debt to Revenue
1.02
1.15
0.59
--
--
7.03
3.84
3.14
3.85
2.14
8.86
14.89
11.88
11.53
8.62
8.86
Interest Exp. to Revenue %
79.67
78.67
42.13
74.09
78.46
102
86.82
82.12
84.50
80.31
84.19
85.32
77.84
84.58
75.24
84.19
   
Asset Turnover
0.05
0.05
0.09
0.05
0.04
0.03
0.04
0.04
0.04
0.05
0.01
0.01
0.01
0.01
0.01
0.01
Dividend Payout Ratio
--
--
--
--
--
--
2.54
0.51
0.46
0.35
0.48
0.39
0.23
0.35
0.47
0.48
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Dec11 Mar12 Jun12 Sep12 Dec12
   
Net Interest Income
9.53
8.37
8.74
7.25
7.24
10.68
10.87
12.57
13.75
14.61
14.61
3.59
3.67
3.67
3.57
3.71
Non Interest Income
2.43
2.27
12.01
2.54
1.99
-0.22
1.65
2.74
2.52
3.58
3.58
0.62
1.04
0.67
1.17
0.70
Revenue
11.96
10.63
20.75
9.79
9.22
10.46
12.51
15.31
16.27
18.19
18.19
4.21
4.71
4.34
4.74
4.40
   
Selling, General, &Admin. Expense
--
--
--
--
5.84
6.11
6.64
6.67
8.16
8.45
8.45
2.05
1.98
2.07
2.23
2.18
Credit Losses Provision
--
--
--
--
-0.36
0.69
0.87
1.33
0.97
1.47
1.47
0.24
0.23
0.24
0.77
0.23
Other Expenses
8.70
9.02
11.69
9.17
3.85
16.75
3.57
3.84
3.31
3.49
3.49
0.89
0.75
0.88
0.98
0.89
Earnings Before DDA
--
--
--
0.36
-0.10
-13.09
1.44
3.47
3.84
4.78
4.78
1.03
1.76
1.16
0.77
1.10
   
Depreciation, Depletion and Amortization
--
--
--
0.36
0.37
0.86
0.94
0.80
0.82
0.85
0.85
0.24
0.24
0.20
0.21
0.21
   
Operating Income
--
--
--
--
-0.47
-13.94
0.50
2.66
3.02
3.94
3.94
0.79
1.53
0.95
0.56
0.89
Net Income
1.82
0.99
5.54
0.63
-0.26
-8.10
0.36
1.70
1.90
2.40
2.40
0.53
0.93
0.60
0.44
0.44
   
Earnings per Share ($)
--
--
--
--
-0.05
-1.73
0.08
0.39
0.44
0.57
0.57
0.13
0.22
0.14
0.11
0.10
Total Shares Outstanding
--
--
--
--
4.72
4.69
4.57
4.30
4.35
4.21
4.22
4.09
4.24
4.18
4.19
4.22
Balance SheetAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Dec11 Mar12 Jun12 Sep12 Dec12
   
Cash and cash equivalents
--
--
--
16.75
4.18
10.14
10.89
5.54
9.33
17.64
17.64
9.33
14.77
16.57
24.62
17.64
Money Market Investments
--
--
--
-16.75
7.77
3.00
0.98
2.25
1.43
2.53
2.53
1.43
3.08
4.10
2.10
2.53
Net Loan
136
137
120
98.90
118
177
213
242
265
267
267
265
259
259
259
267
Securities & Investments
--
--
--
--
113
129
98.74
74.21
70.28
54.67
54.67
70.28
70.17
66.68
58.53
54.67
Accounts Receivable
--
--
--
0.83
2.55
2.41
3.99
2.94
4.36
1.77
1.77
4.36
3.35
4.28
4.14
1.77
Property, Plant and Equipment
--
--
--
7.25
7.14
8.19
7.90
7.55
7.50
7.50
7.50
7.50
7.41
7.46
7.50
7.50
Intangible Assets
--
--
--
0.05
--
--
--
--
--
--
--
--
--
--
--
--
Other Assets
104
101
101
106
1.12
8.31
8.33
11.26
8.21
7.09
7.09
8.21
8.89
7.47
6.76
7.09
Total Assets
240
238
221
213
253
338
344
345
366
358
358
366
367
366
363
358
   
Total Deposits
189
183
171
177
170
187
216
220
233
250
250
233
243
248
253
250
Accounts Payable
--
--
--
3.92
--
2.74
2.58
4.81
--
--
--
--
--
--
--
--
Current Portion of Long-Term Debt
--
--
--
--
--
--
35.00
--
14.68
0.98
0.98
14.68
7.95
12.02
2.88
0.98
Long-Term Debt
12.25
12.20
12.16
--
--
73.55
13.00
48.00
48.00
38.00
38.00
48.00
48.00
38.00
38.00
38.00
Other liabilities
6.71
8.57
4.89
-0.00
4.04
5.05
6.88
6.21
4.41
1.75
1.75
4.41
1.98
1.75
2.16
1.75
Total Liabilities
208
204
188
181
174
268
274
279
300
291
291
300
301
300
296
291
   
Common Stock
--
--
--
--
0.05
0.05
0.05
0.05
0.05
0.04
0.04
0.05
0.04
0.04
0.04
0.04
Retained Earnings
--
--
--
32.49
32.23
23.91
23.21
23.92
24.90
26.43
26.43
24.90
25.60
25.98
26.21
26.43
Additional Paid-In Capital
--
--
--
--
51.60
52.22
51.92
46.63
44.58
42.90
42.90
44.58
43.47
43.26
43.13
42.90
Total Equity
32.66
34.27
32.54
32.89
79.51
70.26
70.53
66.73
66.48
66.53
66.53
66.48
65.96
66.07
66.48
66.53
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 TTM Dec11 Mar12 Jun12 Sep12 Dec12
   
Net Income
--
--
--
0.63
-0.26
-8.10
0.36
1.70
1.90
2.40
2.40
0.53
0.93
0.60
0.44
0.44
Depreciation, Depletion and Amortization
--
--
--
0.36
0.37
0.86
0.94
0.80
0.82
0.85
0.85
0.24
0.24
0.20
0.21
0.21
Cash Flow from Others
--
--
--
-2.10
-1.34
11.67
1.33
5.08
-1.90
6.76
6.76
-2.80
1.95
-0.01
1.88
2.93
Cash Flow from Operations
--
--
--
-1.12
-1.22
4.43
2.63
7.58
0.82
10.00
10.00
-2.03
3.11
0.79
2.52
3.58
   
Investment for Property, Plant & Equipement
--
--
--
-1.81
--
--
-0.83
-0.25
-0.57
-0.63
-0.63
-0.18
-0.05
-0.20
-0.20
-0.17
Cash Flow from Investing
--
--
--
4.40
-46.08
-93.24
-6.79
-7.49
-16.11
7.92
7.92
-17.63
2.18
3.41
7.75
-5.42
   
Net Issuance of Stock
--
--
--
--
51.20
-2.46
--
--
-2.92
-1.81
-1.81
-1.96
-1.27
-0.45
-0.06
-0.04
Net Issuance of Debt
--
--
--
10.52
-3.32
77.71
-23.71
--
8.46
-23.69
-23.69
4.63
--
-12.65
-9.14
-1.90
Cash Flow for Dividends
--
--
--
--
--
-0.23
-1.04
-0.98
-0.92
-0.87
-0.87
-0.23
-0.22
-0.22
-0.22
-0.22
Other Financing
--
--
--
-17.21
-8.25
16.95
28.54
-3.19
13.65
17.87
17.87
4.30
3.30
11.94
5.20
-2.57
Cash Flow from Financing
--
--
--
-6.69
39.62
91.98
3.78
-4.17
18.27
-8.51
-8.51
6.74
1.81
-1.38
-4.22
-4.71
   
Net Change in Cash
--
--
--
-3.41
-7.67
3.17
-0.38
-4.08
2.97
9.41
9.41
-12.91
7.09
2.82
6.05
-6.56
   
Free Cash Flow
--
--
--
-2.93
-1.22
4.43
1.80
7.33
0.25
9.38
9.38
-2.21
3.06
0.59
2.32
3.40
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Dec11 Mar12 Jun12 Sep12 Dec12
   
PE Ratio(ttm) Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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Valuation and QualityAnnualsQuarterly
Fiscal Period
Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Latest Q. Dec11 Mar12 Jun12 Sep12 Dec12
   
Market Cap Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only
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