FB 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	122.62	116.04	120.22	124.56	190.29
Depreciation & Amortization	23.66	20.27	21.97	20.58	20.52
Other Amortization	2.38	1.99	1.77	0.85	1.02
Gain (Loss) on Sale of Assets	1.17	2.17	0.03	0.27	-2.83
Gain (Loss) on Sale of Investments	57.38	58.56	20.08	6.97	8.45
Provision for Credit Losses	43.46	12.24	1.89	15.99	-41.76
Net Decrease (Increase) in Loans Originated / Sold - Operating	-43.89	-15.88	77.23	663.53	85.73
Change in Other Net Operating Assets	-15.64	-21.46	-5.6	54.06	-41.79
Other Operating Activities	-2.87	-10.25	-7.67	-50.18	-13.91
Operating Cash Flow	155.86	138.8	211.07	799.71	54.9
Operating Cash Flow Growth	12.29%	-34.24%	-73.61%	1356.80%	-
Capital Expenditures	-8.85	-6.55	-20.23	-10.63	-6.1
Sale of Property, Plant and Equipment	1.85	1.01	0.12	0.88	-
Cash Acquisitions	370.15	-	-	-	-
Investment in Securities	103.87	-89.18	29.71	-46.92	-542.1
Income (Loss) Equity Investments	2.36	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-515.02	-211.94	-97.3	-1,676	-309.77
Other Investing Activities	9.08	10.33	26.4	-26.42	-0.99
Investing Cash Flow	-32.48	-294	-55.22	-1,754	-849.56
Short-Term Debt Issued	86.37	-	21.82	221.23	8.52
Long-Term Debt Issued	-	-	130	-	-
Total Debt Issued	86.37	-	151.82	221.23	8.52
Short-Term Debt Repaid	-	-95.27	-175	-	-15
Long-Term Debt Repaid	-130.93	-130	-	-	-60
Total Debt Repaid	-130.93	-225.27	-175	-	-75
Net Debt Issued (Repaid)	-44.56	-225.27	-23.18	221.23	-66.48
Issuance of Common Stock	0.9	0.88	0.72	1.21	1.48
Repurchase of Common Stock	-159.07	-14.55	-8.32	-42.82	-17.75
Common Dividends Paid	-37.89	-31.78	-28.06	-24.5	-20.87
Net Increase (Decrease) in Deposit Accounts	231	657.65	-312.9	28.78	1,379
Other Financing Activities	-0.35	-0.18	-0.24	-0.18	-0.73
Financing Cash Flow	-9.98	386.76	-371.98	183.72	1,275
Net Cash Flow	113.41	231.56	-216.12	-770.69	479.84
Free Cash Flow	147.01	132.25	190.84	789.08	48.79
Free Cash Flow Growth	11.16%	-30.70%	-75.81%	1517.21%	-
Free Cash Flow Margin	28.45%	29.82%	40.16%	155.36%	7.91%
Free Cash Flow Per Share	2.94	2.82	4.08	16.70	1.02
Cash Interest Paid	320.46	303.66	261.03	63.7	41.24
Cash Income Tax Paid	20.97	43.2	37.94	0.91	61.69

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

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