Main Street Financial Services Corp. (MSWV)

MSWV Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	4.7	7.83	9	7.44
Depreciation & Amortization	2.17	0.59	0.58	0.74
Gain (Loss) on Sale of Assets	0.06	-	-0.23	-
Gain (Loss) on Sale of Investments	0.67	0.44	0.95	1.9
Provision for Credit Losses	4.78	0.53	1.22	0.75
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.44	0.19	0.36	0.48
Accrued Interest Receivable	-0.5	-0.63	-0.47	-0.07
Change in Other Net Operating Assets	0.31	-2.77	0.13	-0.1
Other Operating Activities	-1.09	-0.81	-0.9	-2.24
Operating Cash Flow	7.51	6.93	11.31	8.37
Operating Cash Flow Growth	8.28%	-38.72%	35.23%	9.88%
Capital Expenditures	-0.3	-0.23	-0.42	-0.24
Cash Acquisitions	20.97	-	-	-
Investment in Securities	-4.39	7.72	2.61	-14.72
Net Decrease (Increase) in Loans Originated / Sold - Investing	-31.85	-74.95	-141.41	-61.47
Other Investing Activities	-0.88	-0.34	1.49	-
Investing Cash Flow	-16.45	-67.8	-137.72	-76.43
Short-Term Debt Issued	7.25	-	-	-
Long-Term Debt Issued	53	-	44.5	-
Total Debt Issued	60.25	-	44.5	-
Short-Term Debt Repaid	-	-6.03	-7.63	-0.67
Long-Term Debt Repaid	-	-11.5	-	-12
Total Debt Repaid	-	-17.53	-7.63	-12.67
Net Debt Issued (Repaid)	60.25	-17.53	36.87	-12.67
Issuance of Common Stock	6.51	0.15	0.32	0.09
Repurchase of Common Stock	-	-	-4.94	-3.16
Common Dividends Paid	-3.2	-2.02	-2.05	-2.02
Net Increase (Decrease) in Deposit Accounts	-22.1	87.29	65.38	55.87
Other Financing Activities	1.03	0.06	0.2	-0.09
Financing Cash Flow	42.49	67.95	95.77	38.01
Net Cash Flow	33.54	7.09	-30.64	-30.05
Free Cash Flow	7.2	6.7	10.89	8.13
Free Cash Flow Growth	7.43%	-38.46%	34.05%	15.90%
Free Cash Flow Margin	22.48%	27.18%	44.87%	38.50%
Free Cash Flow Per Share	1.17	1.74	2.73	1.90
Cash Interest Paid	27.75	12.72	2.76	2.56
Cash Income Tax Paid	1.83	2.05	2.43	1.79

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