Benchmark Bankshares 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	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	15.85	15.38	13.24	11.52	10.22
Depreciation & Amortization	1.71	1.77	1.32	1.21	1.14
Gain (Loss) on Sale of Assets	-	-	-	0.1	0.1
Gain (Loss) on Sale of Investments	-0.58	-0.21	0.04	0.25	-0.44
Total Asset Writedown	-	-	-	0.16	0.36
Provision for Credit Losses	0.93	-0	1.02	0.33	0.56
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.23	0.4	2.96	1.01	0.71
Accrued Interest Receivable	-0.48	-0.29	-0.99	0.08	-0.07
Change in Other Net Operating Assets	0.18	-1.25	-0.08	0.69	0.93
Other Operating Activities	-0.94	-0.26	-1.31	-0.22	0.01
Operating Cash Flow	16.26	16.2	15.23	13.19	12.21
Operating Cash Flow Growth	0.33%	6.43%	15.39%	8.06%	16.48%
Capital Expenditures	-2.45	-4.58	-0.65	-1.22	-1.36
Cash Acquisitions	-	-	58.01	-	-
Investment in Securities	20.2	50.08	-91.77	-41.72	-4.49
Net Decrease (Increase) in Loans Originated / Sold - Investing	-104.84	-76.14	-171.95	-28.68	-42.8
Other Investing Activities	-2.9	-0.14	-3.2	0.21	-0.54
Investing Cash Flow	-89.99	-30.79	-209.55	-70.48	-48.49
Long-Term Debt Repaid	-0.74	-1.17	-1.13	-1.07	-0.75
Net Debt Issued (Repaid)	-0.74	-1.17	-1.13	-1.07	-0.75
Issuance of Common Stock	0.21	-	0.13	0.12	1.37
Repurchase of Common Stock	-0.95	-0.75	-0.16	-0.64	-1.37
Common Dividends Paid	-3.67	-3.53	-3.16	-2.99	-2.87
Net Increase (Decrease) in Deposit Accounts	49.27	24.44	22.85	161.94	150.46
Financing Cash Flow	44.12	18.99	18.53	157.35	146.84
Net Cash Flow	-29.62	4.41	-175.8	100.06	110.55
Free Cash Flow	13.81	11.62	14.58	11.97	10.85
Free Cash Flow Growth	18.85%	-20.27%	21.76%	10.36%	44.83%
Free Cash Flow Margin	23.94%	21.48%	31.54%	28.69%	28.77%
Free Cash Flow Per Share	3.09	2.58	3.22	2.65	2.42
Cash Interest Paid	14.97	7.34	2.05	2.05	3.55
Cash Income Tax Paid	3.66	3.89	3.25	3.25	2.61

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.