Bank7 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	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	44.74	43.07	45.7	28.28	29.64	23.16
Depreciation & Amortization	1.16	1.12	1.06	1.3	1.41	1.03
Provision for Credit Losses	-	0.7	-	21.15	4.47	4.17
Stock-Based Compensation	3.07	3.06	2.47	2.16	1.38	1.04
Net Change in Loans Held-for-Sale	-0.19	-0.75	1.09	-0.39	0.95	0.3
Other Adjustments	-1.37	-1.46	-1.39	-1.27	-0.99	-0.17
Changes in Accrued Interest and Accounts Receivable	2.62	0.01	5.28	-2.54	-1.87	0.91
Changes in Accrued Expenses	1.05	0.39	0.85	0.43	4.73	-0.3
Operating Cash Flow	51.79	46.14	55.05	49.13	39.71	30.13
Operating Cash Flow Growth	13.57%	-16.19%	12.05%	23.70%	31.80%	19.41%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	9.21	-3.74	10.96	-12.21	-2.24	13.18
Net Change in Loans Held-for-Investment	-169.15	-208.4	-38.64	-106.76	-242.11	-77.95
Net Change in Securities and Investments	9.46	8.88	111.82	7.35	-101.5	1.46
Payments for Business Acquisitions	-	-2.75	-	-16.48	-	20.43
Capital Expenditures	-4.43	-4.74	-4.2	-2.83	-0.29	-0.6
Sale of Property, Plant & Equipment	0.02	-	0.22	0.08	3.37	0.02
Other Investing Activities	0.09	0.16	-	-	-0.01	-0.03
Investing Cash Flow	-154.76	-210.59	80.16	-130.86	-342.77	-43.49
Net Change in Deposits	120.09	185.36	-75.92	159.99	211.83	68.47
Repurchase of Common Stock	-1.44	-1.28	-0.67	-0.51	-0.45	-0.18
Net Common Stock Issued (Repurchased)	-1.44	-1.28	-0.67	-0.51	-0.45	-0.18
Common Dividends Paid	-9.64	-9.34	-8.06	-6.32	-4.37	-3.98
Other Financing Activities	0.09	0.15	2.59	0.5	0.31	0
Financing Cash Flow	109.1	174.89	-82.05	153.66	207.32	64.31
Net Cash Flow	6.13	10.44	53.15	71.93	-95.74	50.95
Free Cash Flow	47.36	41.4	50.85	46.29	39.42	29.53
Free Cash Flow Growth	14.41%	-18.59%	9.85%	17.43%	33.47%	19.10%
FCF Margin	47.72%	43.27%	52.18%	65.53%	58.06%	57.56%
Free Cash Flow Per Share	4.94	4.32	5.38	5.00	4.28	3.25

SEC Filings: 10-K · 10-Q