Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Processing Fees brought in 62% of the revenue Cahaya Aero Services broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Processing Fees | $59.7M | $66.1M | $66.1M |
| Financial Fees | $45.3M | $42.6M | $40.4M |
Business segments
Information Services brought in 80% of the revenue Cahaya Aero Services broke down this way in fiscal 2025.
Business segments by year
| Business segments | 2023 | 2024 | 2025 |
|---|---|---|---|
| Information Services | $144.9M | $148.6M | $154.5M |
| Banking Services | $29.9M | $28.3M | $37.8M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs60¢$65.2M
- Income tax7¢$7.6M
- Profit33¢$35.1M
Out of $108.0M in revenue.2
Where each dollar of operating cash went, fiscal 2025
- Capital spending12¢$5.7M
- Dividends paid34¢$16.5M
- Share buybacks54¢$26.0M
Out of $37.4M of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.2
Financial statements
Every line of the income statement in the latest annual report, as filed.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Fee revenues | $108.0M | $109.9M | $106.1M |
| Total fee revenue and other income | $109.9M | $113.8M | $109.9M |
| Interest and fees on loans | $62.3M | $55.4M | $50.8M |
| Taxable | $17.3M | $13.4M | $14.1M |
| Exempt from federal income taxes | $4.1M | $3.5M | $4.1M |
| Interest on federal funds sold and other short-term investments | $13.8M | $15.8M | $13.7M |
| Total interest income | $97.6M | $88.0M | $82.8M |
| Interest on deposits | $16.3M | $20.3M | $16.1M |
| Interest on short-term borrowings | $8.0K | $0 | $116.0K |
| Interest Expense, Operating | $16.3M | $20.3M | $16.3M |
| Net interest income | $81.2M | $67.8M | $66.5M |
| Provision for (release of) credit losses | $348.0K | $447.0K | -$550.0K |
| Net interest income after provision for (release of) credit losses | $80.9M | $67.3M | $67.0M |
| Total net revenue | $190.8M | $181.2M | $177.0M |
| Total personnel expenses | $110.1M | $109.3M | $104.4M |
| Occupancy | $2.8M | $2.7M | $2.8M |
| Equipment | $9.9M | $8.1M | $6.9M |
| Amortization of intangible assets | $1.2M | $692.0K | $692.0K |
| Other operating expense | $30.1M | $29.1M | $27.7M |
| Total operating expense | $152.0M | $157.7M | $142.5M |
| Income from continuing operations, before income tax expense | $38.8M | $23.4M | $34.5M |
| Income tax expense | $7.6M | $4.9M | $6.6M |
| Net income from continuing operations | $31.1M | $18.6M | $27.9M |
| Basic Earnings Per Share (in dollars per share) | $2.66 | $1.42 | $2.22 |
| Diluted Earnings Per Share (in dollars per share) | $2.61 | $1.39 | $2.18 |
| Bad debt expense | -$2.0M | $7.8M | $0 |
| Salaries and commissions | $80.7M | $80.4M | $76.1M |
| Share-based compensation expense | $4.2M | $3.1M | $4.0M |
| Profit Sharing Expense | $6.3M | $4.5M | $5.8M |
| Net periodic pension cost | $0 | $4.2M | $878.0K |
| Other benefits | $18.9M | $17.3M | $17.6M |
| Gain (Loss) on Sale of Investments | -$3.5M | -$45.0K | -$173.0K |
| Revenue Not from Contract with Customer, Other | $6.9M | $5.2M | $5.1M |
| Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Parent | $4.0M | $610.0K | $2.2M |
| Net income | $35.1M | $19.2M | $30.1M |
| Income (Loss) from Continuing Operations, Per Basic Share | $2 | $1 | $2 |
| Income (Loss) from Discontinued Operations and Disposal of Discontinued Operations, Net of Tax, Per Basic Share | $0 | $0 | $0 |
| Income (Loss) from Continuing Operations, Per Diluted Share | $2 | $1 | $2 |
| Income (Loss) from Discontinued Operations and Disposal of Discontinued Operations, Net of Tax, Per Diluted Share | $0 | $0 | $0 |
Every line of the balance sheet in the latest annual report, as filed.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $26.1M | $19.3M | |
| Short-term investments | $366.1M | $330.4M | |
| Cash and cash equivalents | $392.3M | $349.7M | |
| Investment securities available-for-sale, at fair value | $770.8M | $528.0M | |
| Loans | $1.1B | $1.1B | |
| Less allowance for credit losses | $13.6M | $13.4M | |
| Loans, net | $1.0B | $1.1B | |
| Payments in advance of funding | $164.5M | $208.5M | |
| Premises and equipment, net | $29.4M | $30.6M | |
| Investments in bank-owned life insurance | $52.2M | $50.3M | |
| Goodwill | $16.2M | $16.3M | $12.3M |
| Other intangible assets, net | $3.7M | $4.9M | |
| Accounts and drafts receivable from customers | $69.4M | $55.9M | |
| Other assets | $59.9M | $67.7M | |
| Total assets | $2.6B | $2.4B | $2.5B |
| Noninterest-bearing | $513.4M | $251.2M | |
| Interest-bearing | $686.6M | $716.7M | |
| Total deposits | $1.2B | $967.9M | |
| Accounts and drafts payable | $1.1B | $1.1B | |
| Other liabilities | $38.1M | $46.2M | |
| Total liabilities | $2.4B | $2.2B | |
| Preferred stock, par value $0.50 per share; 2,000,000 shares authorized and no shares issued | $0 | $0 | |
| Common stock, par value $0.50 per share; 40,000,000 shares authorized; 15,505,772 shares issued at December 31, 2025 and 2024; 12,917,637 and 13,504,104 shares outstanding at December 31, 2025 and 2024, respectively. | $7.8M | $7.8M | |
| Additional paid-in capital | $207.1M | $205.6M | |
| Retained earnings | $167.1M | $148.5M | |
| Common shares in treasury, at cost (2,588,135 shares at December 31, 2025 and 2,001,668 shares at December 31, 2024, respectively) | -$112.1M | -$87.6M | |
| Accumulated other comprehensive loss | -$26.8M | -$45.2M | |
| Total shareholders equity | $243.0M | $229.0M | $229.8M |
| Total liabilities and shareholders equity | $2.6B | $2.4B | |
| Disposal Group, Including Discontinued Operation, Assets | $0 | $14.4M | |
| Disposal Group, Including Discontinued Operation, Liabilities | $0 | $22.3M | |
| Preferred stock, par or stated value per share (in dollars per share) | $0.50 | $0.50 | |
| Preferred stock, shares authorized (in shares) | 2.0M shares | 2.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Common stock, par or stated value (in dollars per share) | $0.50 | $0.50 | |
| Common stock, shares authorized (in shares) | 40.0M shares | 40.0M shares | |
| Common stock, shares issued (in shares) | 15.5M shares | 15.5M shares | |
| Common stock, shares, outstanding (in shares) | 12.9M shares | 13.5M shares | |
| Treasury stock (in shares) | 2.6M shares | 2.0M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.2
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $35.1M | $19.2M | $30.1M |
| Amortization of intangible assets | $1.2M | $692.0K | $692.0K |
| Net amortization of premium/discount on investment securities | $974.0K | $3.6M | $4.5M |
| Depreciation | $6.0M | $5.0M | $4.0M |
| Loss on sales of securities | $3.5M | $45.0K | $173.0K |
| Share-based compensation expense | $4.2M | $3.1M | $4.0M |
| Provision for (release of) credit losses | $348.0K | $447.0K | -$550.0K |
| Investments in bank-owned life insurance | $1.9M | $1.2M | $1.2M |
| Increase (decrease) in current income tax liability | $4.3M | -$192.0K | -$1.8M |
| ASC 715 pension adjustment, net of tax | $0 | $5.2M | $806.0K |
| Increase in accounts receivable | -$322.0K | -$3.8M | -$3.1M |
| Other operating activities, net | -$10.6M | $5.3M | -$49.0K |
| Proceeds from sales of securities available-for-sale | $129.9M | $60.1M | $111.6M |
| Proceeds from maturities of securities available-for-sale | $83.1M | $153.2M | $39.2M |
| Purchases of securities available-for-sale | -$435.2M | -$119.7M | -$15.3M |
| Net decrease (increase) in loans | $20.8M | -$67.7M | $68.6M |
| Decrease (increase) in payments in advance of funding | $44.0M | -$9.7M | $94.9M |
| Purchases of premises and equipment, net | -$5.7M | -$8.5M | -$11.9M |
| Asset acquisition | $0 | -$3.0M | $0 |
| Net increase (decrease) in noninterest-bearing demand deposits | $262.2M | -$273.1M | -$118.4M |
| Net (decrease) increase in interest-bearing demand and savings deposits | -$46.0M | $95.5M | -$34.1M |
| Net increase in time deposits | $15.9M | $4.7M | $36.1M |
| Net (increase) decrease in accounts and drafts receivable from customers | -$13.5M | $54.7M | -$14.9M |
| Net (decrease) increase in accounts and drafts payable | -$4.8M | $76.3M | $5.4M |
| Cash dividends paid | -$16.5M | -$16.5M | -$16.0M |
| Purchase of common shares for treasury | -$26.0M | -$7.2M | -$5.8M |
| Other financing activities, net | -$1.3M | -$1.7M | -$834.0K |
| Net cash provided by (used in) financing activities | $150.4M | -$65.6M | -$150.1M |
| Net increase (decrease) in cash and cash equivalents | $42.5M | -$22.7M | $171.5M |
| Cash paid for interest | $16.4M | $20.2M | $15.7M |
| Cash paid for income taxes | $5.1M | $5.5M | $9.3M |
| Asset Acquisition, Consideration Transferred, Contingent Consideration | $0 | $3.5M | $0 |
| Net cash provided by operating activities | $37.4M | $38.9M | $36.9M |
| Cash Provided by (Used in) Operating Activities, Discontinued Operations | -$1.4M | $2.2M | $1.6M |
| Net Cash Provided by (Used in) Operating Activities, Continuing Operations | $38.8M | $36.7M | $35.4M |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent | $31.1M | $18.6M | $27.9M |
| Net Cash Provided by (Used in) Investing Activities, Continuing Operations | -$145.2M | $4.8M | $287.0M |
| Cash Provided by (Used in) Investing Activities, Discontinued Operations | -$99.0K | -$817.0K | -$2.4M |
| Net cash (used in) provided by investing activities | -$145.3M | $4.0M | $284.7M |
| Proceeds from Divestiture of Businesses | $18.0M | $0 | $0 |
| Net Cash Provided by (Used in) Financing Activities, Continuing Operations | $170.0M | -$67.2M | -$148.4M |
| Cash Provided by (Used in) Financing Activities, Discontinued Operations | -$19.7M | $1.6M | -$1.6M |
Timeline
- Dec 5, 2011Went public Listed on Indonesia Stock Exchange1
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1WikidataCahaya Aero Services on Wikidata
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