Waterstone Financial 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	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-	18.69	9.38	19.49	70.79
Depreciation & Amortization	-	2.47	3.3	4.03	6.05
Gain (Loss) on Sale of Assets	-	-0.15	-0.58	-	-4.04
Total Asset Writedown	-	-0.32	0.32	-	-
Provision for Credit Losses	-	-0.17	0.66	0.97	-3.99
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	112.89	37.57	257.71	282.67
Change in Trading Asset Securities	-	-1.09	4.47	-10.9	6.69
Accrued Interest Receivable	-	-0.43	-1.7	-1.71	0.94
Change in Income Taxes	-	1.43	1.56	1.07	-2.56
Change in Other Net Operating Assets	-	-2.35	-9.86	14.47	-11.01
Other Operating Activities	-	-0.14	-2.85	-3.29	-10.7
Operating Cash Flow	-	48.06	-27.58	206.67	142.01
Operating Cash Flow Growth	-	-	-	45.53%	-
Capital Expenditures	-	-1.1	-0.7	-0.7	-0.78
Investment in Securities	-	-4.35	-4.65	-39.25	-24.19
Purchase / Sale of Intangibles	-	2.11	3.53	-	12.45
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-16.69	-154.17	-303.87	170.3
Other Investing Activities	-	-3.93	-3.23	8.08	2.1
Investing Cash Flow	-	-23.96	-159.22	-335.74	160.07
Short-Term Debt Issued	-	-	269.27	179.66	-
Long-Term Debt Issued	-	170	259	200	-
Total Debt Issued	-	170	528.27	379.66	-
Short-Term Debt Repaid	-	-159.54	-	-	-30.95
Long-Term Debt Repaid	-	-175	-304	-470	-
Total Debt Repaid	-	-334.54	-304	-470	-30.95
Net Debt Issued (Repaid)	-	-164.54	224.27	-90.34	-30.95
Issuance of Common Stock	-	1.66	0.82	0.56	2.31
Repurchase of Common Stock	-	-14.92	-26.03	-47.83	-10.18
Common Dividends Paid	-	-11.27	-15.36	-30.26	-30.39
Net Increase (Decrease) in Deposit Accounts	-	169.27	-8.39	-34.37	48.52
Other Financing Activities	-	-0.98	1.27	1.24	0.57
Financing Cash Flow	-	-20.76	176.58	-201	-20.12
Net Cash Flow	-	3.34	-10.22	-330.08	281.96
Free Cash Flow	-	46.96	-28.28	205.96	141.23
Free Cash Flow Growth	-	-	-	45.84%	-
Free Cash Flow Margin	-	34.63%	-21.63%	127.50%	53.76%
Free Cash Flow Per Share	-	2.53	-1.40	9.36	5.90
Cash Interest Paid	-	66.27	47.74	12.89	14.55
Cash Income Tax Paid	-	-0.88	1.17	4.09	22.66

Source: S&P Global Market Intelligence. Banks template. Financial Sources.