AUBN Cash Flow Statement

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

Millions USD. 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 Income	7.15	6.4	1.4	10.35	8.04	7.45
Depreciation & Amortization	2.1	1.93	1.7	1.53	1.24	1.67
Provision for Credit Losses	-0.2	0.04	0.14	1	-0.6	1.1
Net Change in Loans Held-for-Sale	0.57	0.18	0.03	1.57	2.96	0.41
Other Adjustments	0.77	1.28	8	-0.26	2.42	-0.65
Changes in Accrued Expenses	0.32	2.15	-2.01	-0.77	-2.98	2.4
Changes in Other Operating Activities	0.49	-1.17	2.65	-2.44	1.24	-2.66
Operating Cash Flow	11.65	10.81	11.9	10.98	12.32	9.73
Operating Cash Flow Growth	26.37%	-9.18%	8.40%	-10.88%	26.65%	-10.34%
Net Change in Loans Held-for-Investment	7.71	-6.71	-52.89	-46.27	2.88	-0.77
Net Change in Securities and Investments	22.97	25.62	141.6	-42.33	-99.64	-94.64
Capital Expenditures	-1	-2.09	-0.42	-7.05	-20.18	-8.36
Sale of Property, Plant & Equipment	-	-	-	4.22	-	-
Other Investing Activities	-	0.03	3.09	0.46	-1.91	0.84
Investing Cash Flow	29.68	16.85	91.38	-90.96	-118.84	-102.92
Net Change in Deposits	15.54	-0.42	-54.09	-43.91	154.45	115.64
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-1.49	-1.07	-0.9	1.06	1.32
Repurchase of Common Stock	-	-	-0.23	-0.5	-1.62	-
Net Common Stock Issued (Repurchased)	-	-	-0.23	-0.5	-1.62	-
Common Dividends Paid	-3.77	-3.77	-3.78	-3.72	-3.68	-3.64
Financing Cash Flow	11.77	-5.68	-59.16	-49.03	150.21	113.33
Net Cash Flow	53.1	21.99	44.12	-129.01	43.68	20.13
Free Cash Flow	10.65	8.72	11.48	3.93	-7.86	1.37
Free Cash Flow Growth	22.08%	-24.07%	192.14%	-	-	-84.81%
FCF Margin	32.92%	28.53%	49.47%	12.03%	-27.20%	4.80%
Free Cash Flow Per Share	3.05	2.50	3.28	1.12	-2.22	0.39
Levered Free Cash Flow	9.04	7.22	3.32	1.61	-12.64	0.51
Unlevered Free Cash Flow	1.89	0.83	1.92	-8.73	-20.68	-6.95

Updated Nov 12, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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