Golden State Bancorp (GSBX)

Golden State 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	9.33	8.12	7.62	7.69	3.55
Depreciation & Amortization	0.37	0.54	0.48	0.33	0.33
Gain (Loss) on Sale of Assets	-	0	0.11	0	-
Gain (Loss) on Sale of Investments	-0.01	-0.2	-0.35	-0.24	-
Total Asset Writedown	-	-	-	0.28	-
Provision for Credit Losses	1.22	2.84	1.01	2.04	1.6
Change in Other Net Operating Assets	0.72	-1	-0.26	-0.68	0.41
Operating Cash Flow	11.88	9.49	8.84	11.09	6.71
Operating Cash Flow Growth	25.12%	7.41%	-20.35%	65.32%	753.73%
Capital Expenditures	-0.75	-0.24	-1.26	-0.03	-0.16
Sale of Property, Plant and Equipment	-	0	-	0	-
Investment in Securities	2.75	15.75	7.25	-25.69	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-111.28	-146.3	-21.43	-127.44	-90.7
Other Investing Activities	-0.53	0.04	-1	-0.53	-0.4
Investing Cash Flow	-109.81	-130.74	-15.5	-153.69	-91.25
Long-Term Debt Issued	74	18	35	-	16.41
Long-Term Debt Repaid	-64	-13	-22.5	-12.5	-10
Net Debt Issued (Repaid)	10	5	12.5	-12.5	6.41
Issuance of Common Stock	0.02	1.89	0.22	8.62	3.37
Repurchase of Common Stock	-	-1.63	-	-	-
Net Increase (Decrease) in Deposit Accounts	94.96	93.27	56.83	118.04	73.56
Other Financing Activities	-	-	-	-0.04	-
Financing Cash Flow	104.98	98.53	69.55	114.11	83.35
Net Cash Flow	7.05	-22.72	62.89	-28.48	-1.19
Free Cash Flow	11.13	9.25	7.57	11.06	6.55
Free Cash Flow Growth	20.30%	22.13%	-31.52%	68.80%	868.83%
Free Cash Flow Margin	32.67%	34.56%	29.13%	47.74%	40.64%
Free Cash Flow Per Share	3.96	3.39	2.83	4.48	3.31
Cash Interest Paid	27.49	25.89	16.24	5.51	4.84
Cash Income Tax Paid	3.35	4.03	4.01	1.61	0.65

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