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Annual Rates (per share) 10 yrs* 5 yrs* 12 months*
Revenue Growth (%) 10.2 
EBITDA Growth (%) -3.9 
Free Cash Flow Growth (%) 27.9 
Book Value Growth (%) 0.6 

*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.
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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
Sep08 Sep09 Sep10 Sep11 Sep12 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Revenue per Share ($)
--
--
2.36
2.75
3.05
3.09
3.13
0.74
0.76
0.81
0.79
0.77
EBITDA per Share
--
--
-0.03
0.81
0.75
0.73
0.75
0.16
0.17
0.19
0.22
0.17
Free Cashflow per Share
--
--
0.11
0.56
1.06
0.73
0.80
-0.04
0.39
0.42
-0.03
0.02
Earnings per Share ($)
--
--
-0.02
0.47
0.26
0.25
0.24
0.09
0.09
-0.05
0.11
0.09
Dividends Per Share
--
--
--
--
0.03
0.06
0.09
--
--
0.03
0.03
0.03
Book Value per Share
--
--
16.04
17.58
17.87
--
18.30
18.19
18.14
18.48
18.05
18.30
Month End Stock Price
--
--
10.75
12.83
17.28
17.39
19.10
16.12
16.70
17.28
17.39
19.10
RatiosAnnualsQuarterly
Fiscal Period
Sep08 Sep09 Sep10 Sep11 Sep12 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Return on Equity %
4.30
5.20
-0.10
2.70
1.50
--
2.00
2.00
2.00
-1.20
2.40
2.00
Return on Assets %
0.50
0.60
--
0.60
0.30
--
0.40
0.40
0.40
-0.40
0.40
0.40
Debt to Equity
1.66
1.14
0.29
0.16
0.30
--
0.31
0.21
0.22
0.30
0.30
0.31
   
Operating Margin %
23.70
27.70
-3.40
27.20
22.20
21.50
19.90
19.80
20.00
20.80
25.10
19.90
Net Margin %
14.60
17.00
-1.00
16.90
8.80
8.00
12.00
12.70
12.20
-6.70
14.30
12.00
   
Debt to Revenue
5.63
3.68
1.97
0.99
1.75
--
7.25
5.20
5.16
6.81
6.94
7.25
Interest Exp. to Revenue %
90.10
88.47
88.45
90.51
90.27
--
89.28
91.88
90.47
88.41
89.66
89.28
   
Asset Turnover
0.03
0.03
0.03
0.03
0.03
--
0.01
0.01
0.01
0.01
0.01
0.01
Buyback Ratio
--
--
40,320
--
--
--
--
--
--
--
--
--
Dividend Payout Ratio
--
--
--
--
0.11
0.24
0.33
--
--
--
0.27
0.33
Income StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Sep08 Sep09 Sep10 Sep11 Sep12 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Interest Income
12.82
13.93
14.85
16.40
17.01
17.00
16.82
4.25
4.21
4.29
4.26
4.06
Non Interest Income
1.41
1.82
1.94
1.72
1.83
1.87
1.99
0.38
0.44
0.56
0.49
0.49
Revenue
14.23
15.74
16.79
18.12
18.84
18.87
18.80
4.62
4.65
4.85
4.76
4.55
   
Selling, General, &Admin. Expense
7.10
7.26
8.81
9.71
11.21
11.41
11.30
2.90
2.85
2.94
2.73
2.78
Credit Losses Provision
--
0.13
0.30
0.41
0.54
0.54
0.49
0.13
0.13
0.17
0.12
0.08
Other Expenses
3.29
3.61
7.87
2.70
2.48
2.45
2.56
0.57
0.64
0.63
0.61
0.68
Earnings Before DDA
3.84
4.75
-0.18
5.31
4.61
4.48
4.46
1.03
1.04
1.11
1.30
1.01
   
Depreciation, Depletion and Amortization
0.48
0.39
0.38
0.38
0.44
0.43
0.42
0.11
0.11
0.11
0.10
0.10
   
Operating Income
3.37
4.35
-0.56
4.93
4.18
4.05
4.04
0.92
0.93
1.01
1.20
0.91
Net Income
2.07
2.67
-0.16
3.07
1.66
1.51
1.47
0.59
0.57
-0.32
0.68
0.55
   
Earnings per Share ($)
--
--
-0.02
0.47
0.26
0.25
0.24
0.09
0.09
-0.05
0.11
0.09
Total Shares Outstanding
--
--
7.13
6.58
6.18
6.10
5.91
6.24
6.14
5.98
6.03
5.91
Balance SheetAnnuals (USD $) View: Quarterly
Fiscal Period
Sep08 Sep09 Sep10 Sep11 Sep12 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
Cash and cash equivalents
17.34
88.63
101
53.72
36.19
--
54.24
40.16
36.04
36.19
52.40
54.24
Money Market Investments
--
--
12.51
0.01
0.05
--
0.16
0.05
0.10
0.05
0.04
0.16
Net Loan
373
363
378
407
451
--
449
421
433
451
453
449
Securities & Investments
22.15
6.33
23.60
48.17
47.57
--
36.58
59.08
53.35
47.57
36.52
36.58
Accounts Receivable
1.74
1.54
1.59
1.53
1.59
--
1.48
1.53
1.50
1.59
1.37
1.48
Property, Plant and Equipment
3.58
3.47
3.26
3.82
3.58
--
3.50
3.67
3.62
3.58
3.49
3.50
Other Assets
19.51
20.18
25.71
39.53
30.81
--
33.31
32.02
31.90
30.81
31.10
33.31
Total Assets
438
483
546
554
571
--
578
558
560
571
577
578
   
Total Deposits
303
366
391
413
417
--
429
412
415
417
427
429
Accounts Payable
--
--
--
--
--
--
8.27
--
--
--
8.98
8.27
Current Portion of Long-Term Debt
--
--
--
--
8.00
--
6.00
--
--
8.00
6.00
6.00
Long-Term Debt
80.06
58.00
33.00
18.00
25.00
--
27.00
24.00
24.00
25.00
27.00
27.00
Other liabilities
6.33
7.42
7.74
7.84
10.54
--
-0.00
8.04
9.10
10.54
0.00
-0.00
Total Liabilities
389
432
432
438
460
--
470
445
448
460
469
470
   
Common Stock
--
--
0.07
0.07
0.07
--
0.07
0.07
0.07
0.07
0.07
0.07
Retained Earnings
48.37
50.77
50.61
53.68
55.15
--
54.53
55.09
55.66
55.15
54.16
54.53
Additional Paid-In Capital
--
--
69.33
69.44
63.91
--
61.70
70.02
70.18
63.91
62.93
61.70
Treasury Stock
--
--
--
-2.33
--
--
--
-2.54
-5.54
--
--
--
Total Equity
48.27
50.94
114
116
111
--
108
113
111
111
109
108
Cashflow StatementAnnuals (USD $) View: Quarterly
Fiscal Period
Sep08 Sep09 Sep10 Sep11 Sep12 Dec12 TTM Mar12 Jun12 Sep12 Dec12 Mar13
   
Net Income
2.07
2.67
-0.16
3.07
1.66
1.51
1.47
0.59
0.57
-0.32
0.68
0.55
Depreciation, Depletion and Amortization
0.48
0.39
0.38
0.38
0.44
0.43
0.42
0.11
0.11
0.11
0.10
0.10
Cash Flow from Others
0.30
0.17
0.59
1.19
4.63
2.67
3.07
-0.91
1.75
2.80
-0.98
-0.51
Cash Flow from Operations
2.85
3.23
0.81
4.64
6.72
4.61
4.96
-0.21
2.43
2.58
-0.19
0.14
   
Investment for Property, Plant & Equipement
--
--
--
-0.94
-0.20
-0.16
-0.14
-0.02
-0.06
-0.06
-0.02
--
Cash Flow from Investing
-85.82
26.61
-33.35
-61.26
-43.10
-14.08
-5.52
-5.23
-6.16
-12.02
9.33
3.34
   
Net Issuance of Stock
--
--
60.41
-2.33
-8.03
-7.08
-6.45
-2.04
-2.99
-0.91
-1.14
-1.41
Net Issuance of Debt
60.00
12.00
-25.00
-15.00
15.00
13.00
9.00
4.00
--
9.00
--
--
Cash Flow for Dividends
--
--
--
--
-0.18
-1.86
-2.03
--
--
-0.18
-1.68
-0.18
Other Financing
12.30
29.45
22.36
21.81
4.10
17.72
16.33
3.56
2.65
1.63
9.88
2.17
Cash Flow from Financing
72.30
41.45
57.77
4.48
10.90
21.79
16.85
5.53
-0.35
9.55
7.06
0.58
   
Net Change in Cash
-10.66
71.30
25.23
-52.13
-25.49
12.32
16.29
0.09
-4.08
0.11
16.20
4.06
   
Free Cash Flow
2.85
3.23
0.81
3.70
6.53
4.45
4.82
-0.23
2.37
2.52
-0.21
0.14
Valuation Ratios (Daily)AnnualsQuarterly
Fiscal Period
Sep08 Sep09 Sep10 Sep11 Sep12 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
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
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Valuation and QualityAnnualsQuarterly
Fiscal Period
Sep08 Sep09 Sep10 Sep11 Sep12 Dec12 Latest Q. Mar12 Jun12 Sep12 Dec12 Mar13
   
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