First Guaranty Bancshares Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	-57.46	12.45	9.22	28.88	27.3	20.32
Depreciation & Amortization	4.59	4.43	4.03	4.11	4.78	3.78
Provision for Credit Losses	85.92	20.03	3.71	3.66	2.06	14.88
Other Adjustments	-19.08	-17.72	0.74	0.04	-1.26	-11.95
Changes in Other Operating Activities	2.04	14.28	4.01	0.18	-6.35	-3.27
Operating Cash Flow	35.48	33.73	21.71	36.87	26.52	23.76
Operating Cash Flow Growth	28.46%	55.33%	-41.10%	39.01%	11.62%	-18.29%
Net Change in Loans Held-for-Investment	448.93	36.83	-234.12	-362.54	-320.35	-322.75
Net Change in Securities and Investments	-21.49	-191.79	42.57	-105.22	-131.5	198.13
Capital Expenditures	-1.46	-3.04	-14.86	-2.64	-2.2	-6.31
Purchases of Intangible Assets	-	-	-0.1	-	-	-
Sale of Property, Plant & Equipment	1.32	14.98	0.32	0.07	0.08	0.13
Other Investing Activities	0.78	0.95	0.1	2.42	1.33	2.35
Investing Cash Flow	425.64	-142.07	-206.09	-467.91	-452.65	-128.46
Net Change in Deposits	82.15	467.17	285.3	127.3	430.17	313.21
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-48.05	-59.29	-80.15	140	-49.68	36.2
Long-Term Debt Issued	-	29.7	195.1	-	-	-
Long-Term Debt Repaid	-2.02	-44.03	-22.95	-5.78	-17.32	-6.3
Net Long-Term Debt Issued (Repaid)	-2.02	-14.33	172.15	-5.78	-17.32	-6.3
Issuance of Common Stock	5.21	-	20	-	-	-
Net Common Stock Issued (Repurchased)	5.21	-	20	-	-	-
Issuance of Preferred Stock	-	-	-	-	33.06	-
Net Preferred Stock Issued (Repurchased)	-	-	-	-	33.06	-
Common Dividends Paid	-0.53	-5.13	-7.37	-6.86	-6.39	-6.23
Preferred Share Dividends Paid	-2.33	-2.33	-2.33	-2.33	-1.38	-
Financing Cash Flow	-215.04	386.09	387.61	252.33	388.45	336.88
Net Cash Flow	386.56	277.75	203.24	-178.71	-37.67	232.18
Free Cash Flow	34.02	30.69	6.86	34.22	24.32	17.45
Free Cash Flow Growth	10.86%	347.37%	-79.96%	40.74%	39.38%	1.76%
FCF Margin	278.22%	32.94%	7.49%	31.87%	24.73%	20.88%
Free Cash Flow Per Share	2.57	2.45	0.61	2.98	2.27	1.63
Levered Free Cash Flow	-56.64	11.46	172.22	22.42	4.82	8.22
Unlevered Free Cash Flow	5.17	15.67	-6.82	1.65	-3.78	-5.8

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

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