EFSC 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	185.27	194.06	203.04	133.06
Depreciation & Amortization	10.07	11.34	14.01	14.15
Gain (Loss) on Sale of Assets	-3.09	-0.23	0.04	-0.93
Gain (Loss) on Sale of Investments	4.09	3.4	5.64	7.34
Total Asset Writedown	-	-	-	3.44
Provision for Credit Losses	21.51	36.61	-0.61	13.39
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.38	0.98	5.54	4.19
Change in Other Net Operating Assets	23.35	8.71	-19.98	-17.26
Other Operating Activities	-5.49	1.48	0.69	-1.68
Operating Cash Flow	247.4	268.24	216.64	160.58
Operating Cash Flow Growth	-7.77%	23.82%	34.91%	18.49%
Capital Expenditures	-7.48	-6.56	-1.93	-2.5
Sale of Property, Plant and Equipment	-	0.36	1.7	-
Cash Acquisitions	-	-	-	212.64
Investment in Securities	-436.47	-114.4	-665.73	-387.44
Net Decrease (Increase) in Loans Originated / Sold - Investing	-373.13	-1,193	-722.68	138.46
Other Investing Activities	8.72	5.66	2.33	9.82
Investing Cash Flow	-796.87	-1,308	-1,384	-23.11
Short-Term Debt Issued	-	-	100	-
Long-Term Debt Issued	-	-	-	59.93
Total Debt Issued	-	-	100	59.93
Short-Term Debt Repaid	-	-100	-	-160
Long-Term Debt Repaid	-17.01	-26.29	-79.74	-57.14
Total Debt Repaid	-17.01	-126.29	-79.74	-217.14
Net Debt Issued (Repaid)	-17.01	-126.29	20.26	-157.22
Repurchase of Common Stock	-29.64	-	-32.92	-60.59
Preferred Stock Issued	-	-	-	75
Common Dividends Paid	-39.55	-37.37	-33.6	-26.15
Preferred Dividends Paid	-3.75	-3.75	-4.04	-
Total Dividends Paid	-43.3	-41.12	-37.64	-26.15
Net Increase (Decrease) in Deposit Accounts	970.12	1,347	-514.65	1,518
Other Financing Activities	0.44	1.4	1.77	-2.5
Financing Cash Flow	880.61	1,181	-563.19	1,347
Net Cash Flow	331.14	141.67	-1,730	1,484
Free Cash Flow	239.93	261.68	214.71	158.08
Free Cash Flow Growth	-8.31%	21.88%	35.83%	18.63%
Free Cash Flow Margin	39.50%	44.69%	40.43%	38.88%
Free Cash Flow Per Share	6.39	6.98	5.73	4.58
Cash Interest Paid	284.36	195.39	40.74	23.96
Cash Income Tax Paid	28.14	50.12	46.01	56.85

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

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