W.T.B. Financial Corporation (WTBFB)

W.T.B. Financial Cash Flow Statement

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

Operating Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	93.74	55.8	55.85	114.05	100.03
Depreciation & Amortization	8.13	8.11	8.27	8.76	8.54
Other Amortization	0	0.02	0.08	0.11	0.12
Gain (Loss) on Sale of Assets	-0.03	0.04	0.02	0.49	-0.03
Gain (Loss) on Sale of Investments	3	1.32	2.33	6.83	14.34
Provision for Credit Losses	-2.06	8.46	12.34	-20.5	9
Net Decrease (Increase) in Loans Originated / Sold - Operating	-4.88	-3.34	-4.17	5.75	32.25
Accrued Interest Receivable	-0.42	3.37	-3.63	-8.57	5.34
Change in Other Net Operating Assets	11.63	-29.88	47.18	16.61	0.37
Other Operating Activities	-2.04	-4.43	-4.68	1.38	-3.16
Operating Cash Flow	107.91	40.51	116.19	126.53	161.78
Operating Cash Flow Growth	166.37%	-65.13%	-8.18%	-21.79%	31.16%

Investing Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-18.24	-11.03	-6.57	-8.56	-4.57
Sale of Property, Plant and Equipment	0.03	0.2	0.07	0.12	0.16
Investment in Securities	531.8	1,106	-539.42	1,209	-1,353
Purchase / Sale of Intangibles	-	-	-	-	-0.25
Net Decrease (Increase) in Loans Originated / Sold - Investing	-455.3	-379.04	-464.56	-529.8	50.02
Other Investing Activities	8.01	0.38	-11.7	1.64	-76.42
Investing Cash Flow	66.39	716.47	-1,022	672.15	-1,384

Financing Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	0.79	-	1,543	-	23.08
Long-Term Debt Issued	-	-	500	-	-
Total Debt Issued	0.79	-	2,043	-	23.08
Short-Term Debt Repaid	-	-1,425	-	-30.48	-
Long-Term Debt Repaid	-250	-	-	-	-
Total Debt Repaid	-250	-1,425	-	-30.48	-
Net Debt Issued (Repaid)	-249.21	-1,425	2,043	-30.48	23.08
Repurchase of Common Stock	-19.45	-9.04	-1.03	-11.25	-7.92
Common Dividends Paid	-22.67	-18.49	-18.54	-26.11	-23.8
Total Dividends Paid	-22.67	-18.49	-18.54	-26.11	-23.8
Net Increase (Decrease) in Deposit Accounts	118.61	686.36	-1,099	-673.18	1,191
Financing Cash Flow	-172.71	-765.91	924.57	-741.03	1,183

Net Cash Flow

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	1.59	-8.93	18.59	57.65	-39.28

Free Cash Flow

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	89.67	29.49	109.62	117.97	157.22
Free Cash Flow Growth	204.12%	-73.10%	-7.07%	-24.97%	42.80%
Free Cash Flow Margin	21.13%	8.53%	33.22%	29.36%	43.93%
Free Cash Flow Per Share	36.41	11.79	43.75	46.83	61.93

Additional Metrics

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	144.62	254.42	99.22	13.02	9.59
Cash Income Tax Paid	25.66	16.34	15.48	27.35	35.21

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 30, 2026

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