First National Financial Income Statement

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

Millions CAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Interest Income	443.95	440.71	419.7	308.19	320.6	274.62
Net Interest Income Growth	2.42%	5.01%	36.18%	-3.87%	16.74%	-3.40%
Non-Interest Income	552.85	468.77	548.29	560.07	537.22	473.69
Non-Interest Income Growth	28.04%	-14.50%	-2.10%	4.25%	13.41%	30.09%
Revenues Before Loan Losses	929.4	844.8	904.81	835	764.33	672.13
Revenue	929.4	844.8	904.81	835	764.33	672.13
Revenue Growth (YoY)	15.58%	-6.63%	8.36%	9.25%	13.72%	14.41%
Compensation Expenses	242.76	229.65	200.49	192.99	177.04	143.5
Selling, General & Admin	242.12	176.82	207.01	236.92	253.73	216.65
Other Non-Interest Expenses	86.61	81.31	67.81	63.63	51.95	57.64
Total Non-Interest Expense	647.09	568.15	560.9	565.92	500.51	413.4
Pretax Income	282.3	276.65	343.91	269.08	263.82	258.73
Provision for Income Taxes	74.37	73.26	91.1	71.35	69.26	68.5
Net Income	207.93	203.39	252.81	197.73	194.56	190.23
Net Income to Common	207.93	203.39	252.81	197.73	194.56	190.23
Net Income Growth	12.63%	-19.55%	27.85%	1.63%	2.28%	7.34%
Shares Outstanding (Basic)	60	60	60	60	60	60
Shares Outstanding (Diluted)	60	60	60	60	60	60
EPS (Basic)	3.41	3.33	4.15	3.25	3.20	3.12
EPS (Diluted)	3.41	3.33	4.15	3.25	3.20	3.12
EPS Growth	12.91%	-19.76%	27.69%	1.56%	2.56%	7.59%
Free Cash Flow	463.66	-768.1	-109.71	496.78	-434.85	-250.65
Free Cash Flow Per Share	7.73	-12.81	-1.83	8.28	-7.25	-4.18
Dividends Per Share	2.496	2.460	2.410	2.360	2.270	1.970
Dividend Growth	1.46%	2.08%	2.12%	3.96%	15.23%	3.14%
Profit Margin	22.37%	24.08%	27.94%	23.68%	25.46%	28.30%
FCF Margin	49.89%	-90.92%	-12.12%	59.49%	-56.89%	-37.29%
EBITDA	27.71	31.79	29.46	27.83	23.39	18.49
EBITDA Margin	2.98%	3.76%	3.26%	3.33%	3.06%	2.75%
Effective Tax Rate	26.34%	26.48%	26.49%	26.52%	26.25%	26.48%