FMAO 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	33.31	25.94	22.79	32.52	23.5
Depreciation & Amortization	6.99	6.37	5.77	4.02	4.99
Provision for Credit Losses	2.09	0.27	1.74	4.6	3.44
Stock-Based Compensation	1.58	1.55	1.46	1.02	0.9
Net Change in Loans Held-for-Sale	0.35	-1.49	-0.05	8.24	3.92
Other Adjustments	-6.14	-3.94	-2.98	-5	-6.59
Changes in Other Operating Activities	-1.45	3.78	-6.59	-4.73	4.59
Operating Cash Flow	36.74	32.47	22.15	40.67	34.74
Operating Cash Flow Growth	13.13%	46.64%	-45.55%	17.06%	26.88%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	0.98	0.26	1.7	6.47	20.22
Net Change in Loans Held-for-Investment	-149.62	21.17	-219.33	-395.61	-167.87
Net Change in Securities and Investments	22.7	-64.01	34.25	-7.68	-104.18
Payments for Business Acquisitions	-	-	-	-	-12.59
Proceeds from Business Divestments	-	-	-	9.07	0.23
Capital Expenditures	-1.77	-1.87	-10.93	-2.6	-1.97
Other Investing Activities	-11	0.09	0.22	0.44	0.46
Investing Cash Flow	-138.7	-44.36	-194.09	-389.9	-265.69
Net Change in Deposits	43.97	79.3	138.94	165.86	170.79
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	10.5	-1	-25.99	24.94	-0.97
Short-Term Debt Issued	40	15	324	140	-
Short-Term Debt Repaid	-58.69	-34.68	-185.66	-37.39	-0.16
Net Short-Term Debt Issued (Repaid)	-18.69	-19.68	138.34	102.61	-0.16
Long-Term Debt Issued	-	-	-10	-30	74.42
Net Long-Term Debt Issued (Repaid)	-	-	-10	-30	74.42
Repurchase of Common Stock	-0.36	-0.66	-0.22	-0.31	-0.34
Net Common Stock Issued (Repurchased)	-0.36	-0.66	-0.22	-0.31	-0.34
Common Dividends Paid	-12.09	-11.92	-11.34	-10.28	-7.67
Financing Cash Flow	23.33	46.04	229.73	252.82	236.07
Net Cash Flow	-78.63	34.15	57.79	-96.41	5.12
Free Cash Flow	34.97	30.6	11.22	38.07	32.78
Free Cash Flow Growth	14.28%	172.83%	-70.53%	16.15%	35.66%
FCF Margin	29.83%	30.30%	11.96%	40.77%	40.86%
Free Cash Flow Per Share	2.58	2.28	0.83	2.91	2.83
Levered Free Cash Flow	18.39	14.54	139.38	101.81	105.37
Unlevered Free Cash Flow	3.77	8.28	-11.74	-3.31	7.61

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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