Endeavor Bancorp (EDVR)

Endeavor Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	3.18	3.87	5.58	5.02	1.42
Depreciation & Amortization	0.55	0.5	0.38	0.4	0.42
Other Amortization	0.09	0.05	-	-	-
Provision for Credit Losses	1.88	1.05	1.7	0.99	1.35
Other Operating Activities	-0.38	-0.88	-4.78	-0.25	1.51
Operating Cash Flow	5.79	4.97	3.15	7.12	4.79
Operating Cash Flow Growth	16.62%	57.87%	-55.83%	48.84%	-
Capital Expenditures	-0.07	-0.29	-0.03	-0.04	-0.06
Investment in Securities	-17.15	-1.25	0.73	-5.39	-2.27
Net Decrease (Increase) in Loans Originated / Sold - Investing	-135.54	-56.59	-47.21	-49.4	-182.91
Other Investing Activities	-0.24	-0.34	-0.39	-0.59	-0.31
Investing Cash Flow	-153	-58.47	-46.9	-55.42	-185.53
Long-Term Debt Issued	12.5	-	15	132.87	172.16
Long-Term Debt Repaid	-2.01	-0.25	-52.18	-193.55	-62.99
Net Debt Issued (Repaid)	10.49	-0.25	-37.18	-60.67	109.17
Issuance of Common Stock	-	-	-	-	7.64
Net Increase (Decrease) in Deposit Accounts	93.66	84.64	83.57	92.87	145.73
Financing Cash Flow	104.15	84.39	46.39	32.2	262.54
Net Cash Flow	-43.06	30.89	2.64	-16.09	81.79
Free Cash Flow	5.72	4.68	3.11	7.08	4.73
Free Cash Flow Growth	22.41%	50.22%	-56.05%	49.74%	-
Free Cash Flow Margin	26.18%	24.01%	20.07%	43.83%	54.94%
Free Cash Flow Per Share	1.65	1.33	0.87	2.03	1.40
Cash Interest Paid	15.93	10.75	2.27	0.67	0.6
Cash Income Tax Paid	1.33	2.02	1.71	2.19	0

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.