QNB Corp. Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	14.09	11.45	9.48	15.92	16.49
Depreciation & Amortization	1.02	1.15	1.78	1.2	1.96
Other Amortization	0.2	0.06	-	-	-
Gain (Loss) on Sale of Investments	0.96	0.57	3.44	2.98	0.42
Provision for Credit Losses	0.45	-0.07	-0.84	-0.85	0.46
Net Decrease (Increase) in Loans Originated / Sold - Operating	-1.13	-0.09	-0.53	0.01	11.88
Accrued Interest Receivable	0.13	1.14	-1.06	-0.93	0.72
Change in Income Taxes	1.94	0.54	-2.09	-0.53	-0.08
Change in Other Net Operating Assets	1.68	-0.74	0.2	-0.85	0.2
Other Operating Activities	-0.46	-0.24	-0.89	-0.44	-1.03
Operating Cash Flow	16.62	16.22	14.46	16.84	30.39
Operating Cash Flow Growth	2.50%	12.17%	-14.12%	-44.60%	299.80%
Capital Expenditures	-1.14	-3.52	-0.77	-0.55	-3.18
Investment in Securities	23.39	-44.87	75.25	45.25	-268.58
Net Decrease (Increase) in Loans Originated / Sold - Investing	-44.4	-122.57	-53.91	-112.72	-11.24
Other Investing Activities	-1.23	-2.37	2.46	-3.63	0.51
Investing Cash Flow	-23.38	-173.33	23.04	-71.65	-282.49
Short-Term Debt Issued	26.76	-	-	92.85	9.64
Long-Term Debt Issued	-	50	20	-	-
Total Debt Issued	26.76	50	20	92.85	9.64
Short-Term Debt Repaid	-	-40.25	-67.23	-	-
Long-Term Debt Repaid	-30	-	-10	-	-
Total Debt Repaid	-30	-40.25	-77.23	-	-
Net Debt Issued (Repaid)	-3.24	9.75	-57.23	92.85	9.64
Issuance of Common Stock	0.61	0.39	0.82	0.42	0.58
Repurchase of Common Stock	-	-	-	-0.08	-1.36
Common Dividends Paid	-5	-4.8	-4.67	-4.5	-4.38
Net Increase (Decrease) in Deposit Accounts	13.97	139.83	70.34	-31.38	221.68
Financing Cash Flow	6.34	145.17	9.26	57.32	226.16
Net Cash Flow	-0.42	-11.94	46.76	2.51	-25.94
Free Cash Flow	15.49	12.7	13.69	16.28	27.21
Free Cash Flow Growth	21.93%	-7.24%	-15.91%	-40.17%	295.61%
Free Cash Flow Margin	26.82%	25.48%	29.87%	31.88%	52.89%
Free Cash Flow Per Share	4.15	3.46	3.79	4.57	7.66
Cash Interest Paid	43.94	38.92	24.1	7.67	4.78
Cash Income Tax Paid	2.01	2.28	4.29	4.26	3.93

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