Endeavor Bancorp (EDVR)

Endeavor Bancorp 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	5.86	3.18	3.87	5.58	5.02
Depreciation & Amortization	0.55	0.55	0.5	0.38	0.4
Other Amortization	0.1	0.09	0.05	-	-
Provision for Credit Losses	2.19	1.88	1.05	1.7	0.99
Other Operating Activities	1.68	-0.11	-0.88	-4.78	-0.25
Operating Cash Flow	10.63	5.79	4.97	3.15	7.12
Operating Cash Flow Growth	83.43%	16.62%	57.87%	-55.83%	48.84%
Capital Expenditures	-0.04	-0.07	-0.29	-0.03	-0.04
Investment in Securities	-3.68	-17.15	-1.25	0.73	-5.39
Net Decrease (Increase) in Loans Originated / Sold - Investing	-72.04	-135.54	-56.59	-47.21	-49.4
Other Investing Activities	-6.76	-0.24	-0.34	-0.39	-0.59
Investing Cash Flow	-82.52	-153	-58.47	-46.9	-55.42
Long-Term Debt Issued	-	12.5	-	15	132.87
Long-Term Debt Repaid	-	-2.01	-0.25	-52.18	-193.55
Net Debt Issued (Repaid)	-	10.49	-0.25	-37.18	-60.67
Issuance of Common Stock	0.33	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	81.5	93.66	84.64	83.57	92.87
Financing Cash Flow	81.82	104.15	84.39	46.39	32.2
Net Cash Flow	9.93	-43.06	30.89	2.64	-16.09
Free Cash Flow	10.59	5.72	4.68	3.11	7.08
Free Cash Flow Growth	84.97%	22.41%	50.22%	-56.05%	49.74%
Free Cash Flow Margin	36.06%	26.18%	24.01%	20.07%	43.83%
Free Cash Flow Per Share	2.90	1.68	1.33	0.87	2.03
Cash Interest Paid	16.81	15.93	10.75	2.27	0.67
Cash Income Tax Paid	3.44	1.33	2.02	1.71	2.19

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