FCF Income 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 Interest Income	439.54	426.09	378.89	385.68	312.22	278.54
Net Interest Income Growth	15.03%	12.46%	-1.76%	23.53%	12.09%	3.83%
Non-Interest Income	98.91	96.82	99.23	96.61	98.71	106.76
Non-Interest Income Growth	1.19%	-2.43%	2.71%	-2.13%	-7.54%	13.00%
Revenues Before Loan Losses	538.45	522.91	478.12	482.29	410.93	385.3
Provision for Credit Losses	37.96	32.97	29.17	4.16	21.11	-1.38
Revenue	500.49	489.95	448.95	478.13	389.82	386.67
Revenue Growth (YoY)	11.42%	9.13%	-6.10%	22.65%	0.81%	26.35%
Compensation Expenses	166.44	163.98	149.29	142.87	126.03	119.51
Selling, General & Admin	80.01	79.19	75.28	73.8	64.78	61.22
Other Non-Interest Expenses	52.73	51.66	46.18	53.25	38.82	33.13
Total Non-Interest Expense	299.17	294.83	270.75	269.92	229.64	213.86
Pretax Income	197.55	191.36	178.21	197.56	160.19	172.82
Provision for Income Taxes	40.4	39.06	35.64	40.49	32	34.56
Net Income	157.15	152.3	142.57	157.06	128.18	138.26
Net Income to Common	157.15	152.3	142.57	157.06	128.18	138.26
Net Income Growth	14.11%	6.83%	-9.23%	22.53%	-7.29%	88.24%
Shares Outstanding (Basic)	104	103	102	102	94	96
Shares Outstanding (Diluted)	104	104	102	102	94	96
Shares Change (YoY)	1.52%	1.29%	0.38%	8.45%	-2.04%	-1.96%
EPS (Basic)	1.52	1.48	1.40	1.55	1.37	1.45
EPS (Diluted)	1.51	1.47	1.39	1.54	1.37	1.44
EPS Growth	12.69%	5.75%	-9.74%	12.41%	-4.86%	92.00%
Shares Outstanding	102.14	102.84	101.76	102.12	93.38	94.23
Free Cash Flow	-	171.45	113.92	128.73	140.21	154.41
Free Cash Flow Growth	-	50.51%	-11.50%	-8.19%	-9.20%	57.42%
Free Cash Flow Per Share	-	1.66	1.11	1.26	1.49	1.61
Dividends Per Share	0.405	0.540	0.520	0.500	0.480	0.460
Dividend Growth	-25.00%	3.85%	4.00%	4.17%	4.35%	4.54%
Profit Margin	31.40%	31.09%	31.76%	32.85%	32.88%	35.76%
FCF Margin	-	34.99%	25.37%	26.92%	35.97%	39.93%
EBITDA	-	6.63	5.69	4.1	10.55	11.44
EBITDA Margin	-	1.35%	1.27%	0.86%	2.71%	2.96%
Effective Tax Rate	20.45%	20.41%	20.00%	20.50%	19.98%	20.00%

Updated Apr 28, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q