River Financial 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	42.11	31.32	26.74	27.93	25.04
Depreciation & Amortization	3.72	3.75	3.55	2.9	2.58
Other Amortization	0.07	0.07	0.07	0.08	-
Gain (Loss) on Sale of Assets	0.13	0.12	0.03	-0.05	-0.15
Gain (Loss) on Sale of Investments	10.53	4.73	2.38	5.58	7.66
Provision for Credit Losses	7.24	5.79	5.24	3.84	4.74
Accrued Interest Receivable	-1.51	-1.87	-4.01	-3.05	-0.23
Change in Other Net Operating Assets	-5.46	-0.88	-5.89	15.29	4
Other Operating Activities	-9.3	-7.53	-6.26	-5.93	-5.54
Operating Cash Flow	53.74	36.1	24.4	47.47	41.81
Operating Cash Flow Growth	48.86%	47.98%	-48.60%	13.53%	758.19%
Capital Expenditures	-8.48	-3.68	-7.88	-5.54	-5.71
Investment in Securities	-7.64	13.99	57.25	29.21	-453.31
Net Decrease (Increase) in Loans Originated / Sold - Investing	-226.35	-246.22	-435.93	-533.39	-77.97
Other Investing Activities	3.16	0.41	-4.95	-3.76	-14.53
Investing Cash Flow	-239.3	-235.49	-391.52	-513.48	-551.53
Short-Term Debt Issued	-	5.93	47.05	25	-
Long-Term Debt Issued	-	105	365	145	39.34
Total Debt Issued	-	110.93	412.05	170	39.34
Short-Term Debt Repaid	-22.66	-	-63.5	-1.57	-3.9
Long-Term Debt Repaid	-105	-130	-230	-50	-20.39
Total Debt Repaid	-127.66	-130	-293.5	-51.57	-24.29
Net Debt Issued (Repaid)	-127.66	-19.07	118.55	118.43	15.05
Issuance of Common Stock	1.92	1.54	34.12	1.71	2.27
Repurchase of Common Stock	-1.69	-2.56	-1.08	-1.37	-0.85
Common Dividends Paid	-4.19	-3.83	-3.21	-2.92	-2.61
Net Increase (Decrease) in Deposit Accounts	259.96	336.5	216.46	363.02	497.54
Financing Cash Flow	128.34	312.58	364.84	478.87	511.41
Net Cash Flow	-57.22	113.2	-2.28	12.86	1.69
Free Cash Flow	45.27	32.43	16.51	41.93	36.1
Free Cash Flow Growth	39.59%	96.37%	-60.61%	16.14%	1374.63%
Free Cash Flow Margin	36.25%	31.16%	17.44%	48.03%	47.53%
Free Cash Flow Per Share	5.78	4.20	2.34	6.21	5.46
Cash Interest Paid	74.19	73.7	50.65	7.8	4.59
Cash Income Tax Paid	10.93	8.47	8.18	4.81	9.59

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