ConnectOne 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	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	-	73.79	87	125.21	130.35
Depreciation & Amortization	-	5.66	5.94	5.55	5.74
Other Amortization	-	0.51	1.18	0.3	0.3
Gain (Loss) on Sale of Assets	-	0.48	0.02	0.03	-0.63
Gain (Loss) on Sale of Investments	-	0.79	1.15	3.68	6.14
Total Asset Writedown	-	-0.05	-0.05	-0.05	-0.07
Provision for Credit Losses	-	13.8	8.2	17.75	-5.5
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	1.98	10.49	7.21	20.56
Accrued Interest Receivable	-	3.61	-3.05	-11.91	1.17
Change in Other Net Operating Assets	-	-38.72	-23.13	30.13	51.07
Other Operating Activities	-	-2.11	3.88	-1.14	-2.24
Operating Cash Flow	-	60.7	92.89	176.78	202.27
Operating Cash Flow Growth	-	-34.66%	-47.45%	-12.61%	149.34%
Capital Expenditures	-	-3.79	-7.43	-3.3	-2.78
Sale of Property, Plant and Equipment	-	1.28	-	0.7	0.11
Investment in Securities	-	-12.39	19.54	-192.31	-64.41
Divestitures	-	-	-	-	0.97
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	57.94	-255.53	-1,293	-596.35
Other Investing Activities	-	12.12	-4.85	-55.74	-27.73
Investing Cash Flow	-	55.15	-248.04	-1,543	-689.86
Long-Term Debt Issued	-	866.53	2,947	4,203	340
Long-Term Debt Repaid	-	-1,112	-2,946	-3,814	-347.73
Net Debt Issued (Repaid)	-	-245.54	0.94	389.39	-7.73
Issuance of Common Stock	-	-	0.1	0.12	0.11
Repurchase of Common Stock	-	-7.22	-19.4	-15.26	-10.68
Preferred Stock Issued	-	-	-	-	110.93
Common Dividends Paid	-	-27.28	-25.91	-23.43	-17.49
Preferred Dividends Paid	-	-6.04	-6.04	-6.04	-1.72
Total Dividends Paid	-	-33.32	-31.95	-29.47	-19.21
Net Increase (Decrease) in Deposit Accounts	-	284	179.86	1,024	375.95
Financing Cash Flow	-	-2.08	129.55	1,369	449.37
Net Cash Flow	-	113.77	-25.6	2.78	-38.22
Free Cash Flow	-	56.91	85.46	173.48	199.49
Free Cash Flow Growth	-	-33.41%	-50.74%	-13.04%	152.76%
Free Cash Flow Margin	-	22.74%	32.75%	58.29%	70.23%
Free Cash Flow Per Share	-	1.48	2.19	4.39	5.00
Cash Interest Paid	-	270.95	230.81	67.85	41.79
Cash Income Tax Paid	-	24	31.65	49.23	45.43

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