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IBW Financial Corporation (IBWC)
OTCMKTS · Delayed Price · Currency is USD
99.00
+19.00 (23.75%)
Jul 30, 2026, 9:44 AM EST

IBW Financial Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
0.431.812.711.382.52
Depreciation & Amortization
0.650.880.750.720.65
Gain (Loss) on Sale of Assets
0.220.2---4.65
Gain (Loss) on Sale of Investments
0.661.041.181.891.67
Provision for Credit Losses
3.092.085.180.980.81
Net Decrease (Increase) in Loans Originated / Sold - Operating
-0.38--0.582.26
Accrued Interest Receivable
00.2-0.93-0.810.97
Change in Other Net Operating Assets
-1.76-0.01-0.18-2.220.72
Other Operating Activities
0.48-0.290.30.69-1.77
Operating Cash Flow
3.395.919.013.172.7
Operating Cash Flow Growth
-42.69%-34.35%183.95%17.39%-

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-0.93-1.26-3.81-3.43-5.93
Sale of Property, Plant and Equipment
-0.79--4.86
Investment in Securities
-27.388.2712.78-93.77-137.08
Net Decrease (Increase) in Loans Originated / Sold - Investing
-4.76-33.43-35.5-39.448.94
Other Investing Activities
-2.391.18-1.380.570.2
Investing Cash Flow
-35.45-24.45-27.9-136.03-88.82

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Short-Term Debt Issued
52.26-24.14-2.56
Total Debt Issued
52.26-24.14-2.56
Short-Term Debt Repaid
--25.37--2.92-
Total Debt Repaid
--25.37--2.92-
Net Debt Issued (Repaid)
52.26-25.3724.14-2.922.56
Issuance of Common Stock
----3.88
Repurchase of Common Stock
-0.01-0.32-0.03-0.7-0.02
Preferred Stock Issued
---81.4412.54
Preferred Share Repurchases
----0.45-
Common Dividends Paid
-0.08-0.15-0.13-0.11-0.1
Preferred Dividends Paid
-1.76-0.89-0.13-0.12-0.03
Total Dividends Paid
-1.84-1.04-0.25-0.23-0.12
Net Increase (Decrease) in Deposit Accounts
-38.0158.16-26.2862.5145.03
Other Financing Activities
----0.05-
Financing Cash Flow
12.3931.43-2.42139.663.86

Net Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
-19.6712.89-21.316.74-22.26

Free Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
2.464.655.2-0.26-3.22
Free Cash Flow Growth
-47.14%-10.56%---
Free Cash Flow Margin
8.45%15.16%15.70%-0.94%-10.98%
Free Cash Flow Per Share
3.817.208.05-0.40-5.21

Additional Metrics

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
9.057.853.680.390.6
Cash Income Tax Paid
0.80.481.290.551.09