FB Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Net Income	1.25	-6.21	1.12	2.11
Depreciation & Amortization	3.09	3.04	4.17	5.23
Gain (Loss) on Sale of Assets	0.09	0.28	-5.32	-0.01
Gain (Loss) on Sale of Investments	-2.28	-1.12	-0.77	-0.53
Provision for Credit Losses	1.72	1.53	0.32	0.94
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	7.39	58.96
Change in Other Net Operating Assets	3.72	6.93	-0.32	-5.34
Other Operating Activities	-0.49	-0.24	-1.08	0.36
Net Cash from Discontinued Operations	-5.13	-4.17	-	-
Operating Cash Flow	2.76	0.81	-7	47.25
Operating Cash Flow Growth	238.82%	-	-	-
Capital Expenditures	-6.66	-5.37	-7.03	-2.43
Investment in Securities	-69.43	5.85	25.54	-218.88
Purchase / Sale of Intangibles	-	-	10.75	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	9.38	-95.01	-112.14	-11.88
Other Investing Activities	0.9	-	-1.39	-
Investing Cash Flow	-64.74	-92.29	-84.1	-232.87
Long-Term Debt Issued	73.5	144.5	142.1	-
Long-Term Debt Repaid	-68.74	-243.2	-	-17.6
Net Debt Issued (Repaid)	4.76	-98.7	142.1	-17.6
Issuance of Common Stock	-	187.85	-	-
Repurchase of Common Stock	-22.16	-12.07	-	-
Net Increase (Decrease) in Deposit Accounts	40.66	31.45	-22.24	-37.51
Other Financing Activities	0.15	-5.32	-2.38	-1.75
Financing Cash Flow	23.41	103.22	117.48	-56.86
Net Cash Flow	-38.58	11.74	26.37	-242.47
Free Cash Flow	-3.9	-4.55	-14.04	44.82
Free Cash Flow Margin	-7.74%	-10.21%	-20.51%	69.49%
Free Cash Flow Per Share	-0.21	-1.28	-	-
Cash Interest Paid	17.79	19.58	9.63	2.24
Cash Income Tax Paid	0	1.24	-	0.05

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