American Business Bank (AMBZ)

American Business Bank Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	54.2	43.28	43.97	48.56	39.16
Depreciation & Amortization	3.66	3.07	3.17	3.3	3.17
Gain (Loss) on Sale of Investments	13.29	8.29	9.46	11.88	14.42
Provision for Credit Losses	2.77	0.98	3.4	4.51	1.95
Accrued Interest Receivable	-1.23	0.27	-1.92	-1.01	1.41
Other Operating Activities	-2.53	-1.55	-2.25	-2.01	-3.66
Operating Cash Flow	71.1	57.87	57.72	65.33	59.89
Operating Cash Flow Growth	22.87%	0.26%	-11.66%	9.08%	27.37%
Capital Expenditures	-1.32	-1.84	-0.54	-0.8	-0.5
Investment in Securities	82.87	82.06	89.1	153.24	-484.94
Net Decrease (Increase) in Loans Originated / Sold - Investing	-295.32	-170.78	-139.78	-362.36	-16.69
Other Investing Activities	-	-	-	-2.43	-0.91
Investing Cash Flow	-213.76	-90.56	-51.23	-212.35	-503.05
Short-Term Debt Issued	-	-	1,140	161.5	-
Total Debt Issued	-	-	1,140	161.5	-
Short-Term Debt Repaid	-	-55	-1,247	-	-
Total Debt Repaid	-	-55	-1,247	-	-
Net Debt Issued (Repaid)	-	-55	-106.5	161.5	-
Issuance of Common Stock	-	-	0.43	1.03	0.51
Repurchase of Common Stock	-14.48	-0.44	-0.46	-0.46	-0.27
Common Dividends Paid	-9	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	310.05	146.59	106.62	-207.35	425.74
Financing Cash Flow	286.57	91.15	0.09	-45.28	425.97
Net Cash Flow	143.91	58.46	6.58	-192.3	-17.18
Free Cash Flow	69.79	56.03	57.17	64.53	59.4
Free Cash Flow Growth	24.55%	-1.99%	-11.41%	8.65%	28.21%
Free Cash Flow Margin	45.51%	42.77%	44.89%	50.71%	53.21%
Free Cash Flow Per Share	7.54	6.01	6.19	7.02	6.56
Cash Interest Paid	44.43	51.33	35.12	2.61	1.82
Cash Income Tax Paid	22.47	15.93	19.41	21.5	14.07

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