Avidia Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Net Income	14.29	-3.29	11.48
Depreciation & Amortization	3.02	3	3
Provision for Credit Losses	4.92	21.44	1.78
Stock-Based Compensation	1.44	10.08	-
Net Change in Loans Held-for-Sale	0.79	0.74	-0.25
Other Adjustments	-1.55	-3.04	-0.35
Changes in Accrued Interest and Accounts Receivable	0.12	0.36	-0.28
Changes in Other Operating Activities	11.32	-0.92	7.83
Operating Cash Flow	38.97	28.37	23.22
Operating Cash Flow Growth	-	22.17%	-
Net Change in Loans Held-for-Investment	-55.93	-121.96	-67.12
Net Change in Securities and Investments	-23.71	14.63	-1.46
Capital Expenditures	-3.29	-4.29	-2.77
Sale of Property, Plant & Equipment	0.05	0.03	-
Other Investing Activities	-10	-	0.26
Investing Cash Flow	-89.12	-111.58	-71.09
Net Change in Deposits	11.33	61.45	115.97
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-90	-65	-36
Long-Term Debt Issued	-	-	65
Long-Term Debt Repaid	-30	-	-105
Net Long-Term Debt Issued (Repaid)	-30	-	-40
Issuance of Common Stock	-	185.83	-
Repurchase of Common Stock	-	-16.06	-
Net Common Stock Issued (Repurchased)	-	169.77	-
Financing Cash Flow	60.09	166.22	39.97
Net Cash Flow	9.94	83.01	-7.9
Free Cash Flow	35.69	24.09	20.45
Free Cash Flow Growth	-	17.78%	-
FCF Margin	34.32%	29.33%	23.11%
Free Cash Flow Per Share	1.78	1.30	-