Beacon Financial Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	90.27	68.72	75	92.53	118.66
Depreciation & Amortization	9.55	7.89	8.16	9.58	11.04
Provision for Credit Losses	41.39	21.64	38.21	11	-0.5
Stock-Based Compensation	-	-	-	7.34	4.17
Net Change in Loans Held-for-Sale	83.33	-	-	5.17	5.78
Other Adjustments	-0.1	6.71	-4.77	-14.88	-54.36
Operating Cash Flow	224.44	104.95	116.6	110.74	84.79
Operating Cash Flow Growth	113.85%	-9.99%	5.29%	30.61%	-62.75%
Net Change in Loans Held-for-Investment	870.83	-156.18	-711.46	-1,522	1,351
Net Change in Securities and Investments	356.31	19.96	137.21	271.45	-398.83
Payments for Business Acquisitions	1,084	-	-80.21	-	-
Proceeds from Business Divestments	-	-	-	-	-352.81
Capital Expenditures	-12.29	-4.99	-12.36	-1.5	-1.61
Sale of Property, Plant & Equipment	1.47	1.6	1.55	-	0.19
Other Investing Activities	-	-	-	-8.65	23.77
Investing Cash Flow	2,300	-139.6	-665.27	-1,261	621.24
Net Change in Deposits	328.14	352.48	457.31	258.32	-133.1
Long-Term Debt Issued	1,058	1,643	6,155	149.31	-
Long-Term Debt Repaid	-2,301	-1,511	-6,223	-135.2	-462.06
Net Long-Term Debt Issued (Repaid)	-1,243	132.58	-67.74	14.11	-462.06
Issuance of Common Stock	-	-	-	0.27	0.42
Repurchase of Common Stock	-2	-0.69	-0.71	-124.52	-68.71
Net Common Stock Issued (Repurchased)	-2	-0.69	-0.71	-124.25	-68.3
Common Dividends Paid	-63.12	-48.06	-47.93	-24.53	-24.55
Other Financing Activities	-46.84	8.97	-42.21	84.04	51.91
Financing Cash Flow	-1,027	445.29	298.74	207.7	-636.1
Net Cash Flow	1,498	410.64	-249.93	-942.45	69.93
Free Cash Flow	212.16	99.97	104.24	109.24	83.18
Free Cash Flow Growth	112.22%	-4.10%	-4.58%	31.33%	-62.26%
FCF Margin	41.47%	29.94%	31.29%	27.14%	19.13%
Free Cash Flow Per Share	2.42	1.12	1.18	2.38	1.68
Levered Free Cash Flow	-1,155	204.2	3.07	114.73	-333.97
Unlevered Free Cash Flow	-2.74	2.91	-4.2	8.08	9.43

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.