Stock Yards Bancorp 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	114.54	107.75	92.97	74.65
Depreciation & Amortization	13.35	21.94	20.66	11.33
Gain (Loss) on Sale of Assets	0.1	0.07	-3.52	-0.09
Gain (Loss) on Sale of Investments	-	0.04	-	-
Provision for Credit Losses	9.73	13.8	10.26	-0.75
Net Decrease (Increase) in Loans Originated / Sold - Operating	2.2	-1.76	10.09	20.61
Accrued Interest Receivable	-1.34	-3.94	-14.17	4.01
Other Operating Activities	-5.56	-2.69	0.55	4.58
Operating Cash Flow	142.87	106.7	108.74	102.1
Operating Cash Flow Growth	33.89%	-1.88%	6.50%	32.38%
Capital Expenditures	-9.85	-7.73	-18.44	-4.58
Sale of Property, Plant and Equipment	0.22	1.73	24.73	-
Cash Acquisitions	-	-	349.46	24.98
Investment in Securities	108.15	174.47	-338.16	-203.51
Divestitures	-	-	4.99	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-738.69	-573.6	-383.56	99.52
Other Investing Activities	-36.9	-19.54	-30.62	3.8
Investing Cash Flow	-677.06	-424.05	-384.43	-78.87
Short-Term Debt Issued	3.65	23.71	-	15.04
Long-Term Debt Issued	1,000	950	50	30
Total Debt Issued	1,004	973.71	50	45.04
Short-Term Debt Repaid	-	-	-9.93	-
Long-Term Debt Repaid	-900	-800	-3.2	-152.74
Total Debt Repaid	-900	-800	-13.13	-152.74
Net Debt Issued (Repaid)	103.65	173.71	36.87	-107.71
Repurchase of Common Stock	-4.22	-2.7	-4.81	-3.83
Common Dividends Paid	-35.84	-34.58	-33.3	-28.2
Net Increase (Decrease) in Deposit Accounts	495.65	279.5	-515.67	759.75
Other Financing Activities	-	-	-1.24	-
Financing Cash Flow	559.25	415.94	-518.14	620.02
Net Cash Flow	25.06	98.59	-793.83	643.25
Free Cash Flow	133.02	98.97	90.3	97.52
Free Cash Flow Growth	34.40%	9.60%	-7.40%	36.07%
Free Cash Flow Margin	38.83%	30.50%	29.03%	41.09%
Free Cash Flow Per Share	4.52	3.37	3.12	3.88
Cash Interest Paid	156.02	97.93	17.91	6.09
Cash Income Tax Paid	19.43	35.33	20.89	14.26

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