Malaga Financial Corporation (MLGF)

Malaga Financial 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	22.65	22.98	21.35	19.6	18.34
Depreciation & Amortization	0.68	0.67	0.76	0.74	0.36
Other Amortization	0.92	0.81	1.12	0.81	0.98
Provision for Credit Losses	-0.14	0.07	0.03	0.11	0.16
Accrued Interest Receivable	-1.48	-0.84	-0.49	-0.18	-0.04
Other Operating Activities	-0.13	-0.05	0.03	-0.01	-0.25
Operating Cash Flow	22.48	22.41	27.26	21.51	17.41
Operating Cash Flow Growth	0.28%	-17.77%	26.70%	23.54%	-5.46%
Capital Expenditures	-1.7	-0.09	-3.33	-0.1	-0.08
Investment in Securities	-	-	-	0.25	0.98
Net Decrease (Increase) in Loans Originated / Sold - Investing	29.37	-19.59	-6.24	-53.19	-54.57
Other Investing Activities	-	-0.4	-0.41	-0.33	-0.23
Investing Cash Flow	27.67	-20.08	-9.98	-53.38	-53.89
Long-Term Debt Issued	20	70	40	-	80
Long-Term Debt Repaid	-95	-40	-15	-15	-75
Net Debt Issued (Repaid)	-75	30	25	-15	5
Issuance of Common Stock	-	-	0.48	0.7	0.19
Common Dividends Paid	-8.98	-8.55	-8.15	-7.73	-7.34
Net Increase (Decrease) in Deposit Accounts	-0.22	-77.75	-7.43	163.29	50.26
Financing Cash Flow	-84.2	-56.31	9.9	141.27	48.12
Net Cash Flow	-34.05	-53.97	27.18	109.4	11.65
Free Cash Flow	20.78	22.33	23.92	21.41	17.34
Free Cash Flow Growth	-6.93%	-6.68%	11.73%	23.49%	-4.67%
Free Cash Flow Margin	45.27%	47.67%	54.71%	53.12%	45.31%
Free Cash Flow Per Share	2.10	2.26	2.42	2.17	1.76
Cash Interest Paid	24.45	21.58	9.42	8.78	10.93
Cash Income Tax Paid	9.86	10.03	8.55	8.15	8.16

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