FB Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Net Income	-2.7	-6.21	1.12	2.11
Depreciation & Amortization	2.99	3.04	4.17	5.23
Gain (Loss) on Sale of Assets	0.51	-2.3	-5.32	-0.01
Gain (Loss) on Sale of Investments	-1.78	-1.12	-0.77	-0.53
Total Asset Writedown	5.79	5.79	-	-
Provision for Credit Losses	1.68	1.62	0.32	0.94
Net Decrease (Increase) in Loans Originated / Sold - Operating	8.73	9.2	7.39	58.96
Change in Other Net Operating Assets	-4	-1.66	-0.32	-5.34
Other Operating Activities	0.2	-0.36	-1.08	0.36
Operating Cash Flow	-0.6	-3.98	-7	47.25
Capital Expenditures	-7.99	-5.22	-7.03	-2.43
Investment in Securities	-49.58	5.85	25.54	-218.88
Purchase / Sale of Intangibles	0.37	4.57	10.75	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-33.28	-95.01	-112.14	-11.88
Other Investing Activities	0.9	-	-1.39	-
Investing Cash Flow	-87.25	-87.58	-84.1	-232.87
Long-Term Debt Issued	-	-	142.1	-
Long-Term Debt Repaid	-	-98.7	-	-17.6
Net Debt Issued (Repaid)	-150.56	-98.7	142.1	-17.6
Issuance of Common Stock	-	187.85	-	-
Repurchase of Common Stock	-78.29	-12.07	-	-
Net Increase (Decrease) in Deposit Accounts	87.94	31.45	-22.24	-37.51
Other Financing Activities	0.95	-5.24	-2.38	-1.75
Financing Cash Flow	-139.96	103.3	117.48	-56.86
Net Cash Flow	-227.81	11.74	26.37	-242.47
Free Cash Flow	-8.59	-9.21	-14.04	44.82
Free Cash Flow Margin	-12.63%	-14.18%	-20.51%	69.49%
Free Cash Flow Per Share	-0.47	-2.58	-	-
Cash Interest Paid	22.11	19.58	9.63	2.24
Cash Income Tax Paid	-	1.24	-	0.05

Source: S&P Capital IQ. Banks template. Financial Sources.