Union Financial Corporation (UFCP)

Union 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	0.7	1.02	1.12	1.57	1.54
Depreciation & Amortization	0.74	0.69	0.65	0.56	0.51
Gain (Loss) on Sale of Assets	-	-0.02	-0.08	0.02	-
Provision for Credit Losses	0.35	0.24	0.48	0.58	0.45
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.09	0.02	0.06	0.34	0.67
Accrued Interest Receivable	-1.62	-0.36	-0.39	0.33	0.22
Other Operating Activities	-0.13	-0.12	-0.11	-0.11	-0.12
Operating Cash Flow	1.46	2.29	1.97	2.53	2.93
Operating Cash Flow Growth	-36.18%	15.94%	-21.86%	-13.82%	221.79%
Capital Expenditures	-0.86	-1.41	-0.64	-0.03	-0.21
Sale of Property, Plant and Equipment	-	0.03	0.34	-	-
Investment in Securities	13.09	15.12	-26.63	-33.98	-2.37
Net Decrease (Increase) in Loans Originated / Sold - Investing	-33.69	-36.02	-31.93	0.14	-23.68
Other Investing Activities	-1.45	-0.26	0.04	-	-0.09
Investing Cash Flow	-22.92	-22.55	-58.82	-33.46	-26.35
Long-Term Debt Issued	375.2	132	-	5.86	-
Long-Term Debt Repaid	-355.2	-122.5	-0.04	-	-
Net Debt Issued (Repaid)	20	9.5	-0.04	5.86	-
Issuance of Common Stock	-	-	-	3.72	2.04
Repurchase of Common Stock	-	-	-0.16	-	-
Common Dividends Paid	-0.4	-0.4	-0.4	-0.33	-0.28
Net Increase (Decrease) in Deposit Accounts	12.27	-8.45	-1.72	35.91	85.39
Other Financing Activities	-	-	-	-0.24	-
Financing Cash Flow	31.88	0.66	-2.31	44.92	87.15
Net Cash Flow	10.42	-19.6	-59.16	13.98	63.73
Free Cash Flow	0.6	0.88	1.33	2.49	2.72
Free Cash Flow Growth	-31.67%	-34.28%	-46.52%	-8.52%	392.06%
Free Cash Flow Margin	4.13%	5.98%	9.88%	20.80%	25.71%
Free Cash Flow Per Share	0.18	0.27	0.41	0.75	1.11
Cash Interest Paid	6.32	2.94	1.19	0.91	1.1
Cash Income Tax Paid	0.3	0.15	0.26	0.38	-

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