National Bank Holdings Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	118.82	142.05	71.27	93.61
Depreciation & Amortization	24.19	23.85	16.45	13.59
Gain (Loss) on Sale of Assets	-0.64	-1.2	-1.67	-5.84
Gain (Loss) on Sale of Investments	5.23	-0.83	1.11	4.34
Total Asset Writedown	0.96	0.35	0.12	1.55
Provision for Credit Losses	6.76	8.3	36.73	-9.29
Net Decrease (Increase) in Loans Originated / Sold - Operating	2.86	8.99	144.98	173.42
Change in Income Taxes	1.74	3.22	-3.88	1.05
Change in Other Net Operating Assets	-2.45	-13.17	-10.28	-39.68
Other Operating Activities	-6.94	-1.99	-9.22	-1.61
Operating Cash Flow	155.27	166.94	214.63	179.5
Operating Cash Flow Growth	-6.99%	-22.22%	19.57%	-
Capital Expenditures	-34.59	-36.83	-12.43	-
Sale of Property, Plant and Equipment	-	-	-	5.15
Cash Acquisitions	-	-45.3	234.26	-
Investment in Securities	169.17	153.01	9.04	-314.24
Net Decrease (Increase) in Loans Originated / Sold - Investing	-73.34	-475.48	-986.58	-166.66
Investing Cash Flow	64.66	-404.03	-752.14	-473.84
Short-Term Debt Issued	-	-	385	-
Long-Term Debt Issued	-	-	-	40
Total Debt Issued	-	-	385	40
Short-Term Debt Repaid	-290.73	-45.59	-2.55	-0.13
Total Debt Repaid	-290.73	-45.59	-2.55	-0.13
Net Debt Issued (Repaid)	-290.73	-45.59	382.45	39.87
Issuance of Common Stock	3.56	0.62	1.1	2.49
Repurchase of Common Stock	-	-	-	-36.4
Common Dividends Paid	-42.95	-39.64	-30.45	-26.89
Net Increase (Decrease) in Deposit Accounts	47.23	317.05	-465.82	552.72
Other Financing Activities	-1.52	-1.53	-1.48	-2.8
Financing Cash Flow	-284.41	230.9	-114.2	528.99
Net Cash Flow	-64.48	-6.19	-651.7	234.66
Free Cash Flow	120.68	130.1	202.2	179.5
Free Cash Flow Growth	-7.24%	-35.66%	12.65%	-
Free Cash Flow Margin	30.19%	31.15%	67.99%	58.51%
Free Cash Flow Per Share	3.14	3.41	6.19	5.78
Cash Interest Paid	189.97	124.43	18.6	16.64
Cash Income Tax Paid	20.84	32.85	11.3	15.39

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