Amerant Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-15.75	32.49	63.31	112.92
Depreciation & Amortization	6.6	5.94	5.28	7.27
Gain (Loss) on Sale of Assets	-12.64	2.65	-	-62.32
Gain (Loss) on Sale of Investments	81.61	17.77	11.77	8.86
Provision for Credit Losses	60.46	61.28	13.95	-16.5
Net Decrease (Increase) in Loans Originated / Sold - Operating	-38.34	-57.02	-143.63	-14.25
Accrued Interest Receivable	3.78	-34.45	-15.35	-4.43
Change in Accounts Payable	-3.61	4.15	21.08	34.96
Other Operating Activities	-10.73	-52.47	-12.43	0.42
Operating Cash Flow	82.19	26.72	-49.16	67.43
Operating Cash Flow Growth	207.60%	-	-	17.79%
Capital Expenditures	-7.4	-10.93	-10.63	-6.58
Sale of Property, Plant and Equipment	0.21	0.54	-	132.39
Cash Acquisitions	-	-1.97	-	-1.04
Investment in Securities	-31.91	-136.52	-157.35	-16.67
Net Decrease (Increase) in Loans Originated / Sold - Investing	-519.64	-400.46	-1,228	259.65
Other Investing Activities	-17.92	-59.73	-8.08	17.55
Investing Cash Flow	-576.66	-606.62	-1,397	385.32
Long-Term Debt Issued	1,463	1,955	1,159	485.5
Long-Term Debt Repaid	-1,361	-2,177	-1,024	-729.62
Total Debt Repaid	-1,361	-2,177	-1,024	-729.62
Net Debt Issued (Repaid)	101.62	-221.98	134.82	-244.12
Issuance of Common Stock	155.75	-	-	-
Repurchase of Common Stock	-9.13	-5.46	-73.12	-48.04
Common Dividends Paid	-12.82	-12.06	-12.23	-
Net Increase (Decrease) in Deposit Accounts	527.54	850.66	1,413	-100.77
Financing Cash Flow	762.96	611.17	1,463	-392.93
Net Cash Flow	268.49	31.27	16.39	59.82
Free Cash Flow	74.79	15.79	-59.79	60.85
Free Cash Flow Growth	373.73%	-	-	17.77%
Free Cash Flow Margin	27.32%	5.05%	-19.33%	17.65%
Free Cash Flow Per Share	2.09	0.47	-1.75	1.62
Cash Interest Paid	272.31	211.77	67.3	46.33
Cash Income Tax Paid	4.86	24.97	27.54	14.54

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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