Farmers National Banc 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	54.59	45.95	49.93	60.6	51.84
Depreciation & Amortization	6.78	6.4	7.33	4.9	3.54
Provision for Credit Losses	7.07	7.97	9.15	1.12	4.89
Stock-Based Compensation	2.5	2.64	2.61	1.82	1.19
Net Change in Loans Held-for-Sale	3.47	0.21	0.26	3.81	8.37
Other Adjustments	-3.59	-0.92	-3.12	1.44	-6.83
Changes in Other Operating Activities	-10.77	4.37	-3.24	2.88	-8.08
Operating Cash Flow	60.04	66.62	62.93	81.5	54.93
Operating Cash Flow Growth	-9.87%	5.86%	-22.79%	48.36%	11.96%
Net Change in Loans Held-for-Investment	-44.6	-78.36	-61.92	-77.2	231.48
Net Change in Securities and Investments	-15.93	-7.13	149.17	-124.84	-737.88
Payments for Business Acquisitions	0	-0.6	-13.18	-1.03	-
Proceeds from Business Divestments	-	-	-	-	83.77
Capital Expenditures	-7.86	-11.69	-3.88	-2.56	-1.38
Sale of Property, Plant & Equipment	0.3	0.33	0.53	1.4	0.1
Other Investing Activities	-10.76	2.32	7.2	0.69	0.35
Investing Cash Flow	-78.85	-95.13	77.94	-205.51	-423.61
Net Change in Deposits	76	89.39	-260.2	14.53	241.08
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-24	-50	185	95	-6.77
Long-Term Debt Issued	-	-	-	-	73.75
Long-Term Debt Repaid	0	-2.54	0	0	-66.98
Net Long-Term Debt Issued (Repaid)	-	-2.54	-	-	6.77
Repurchase of Common Stock	-1.11	-0.88	-12.17	-0.76	-0.16
Net Common Stock Issued (Repurchased)	-1.11	-0.88	-12.17	-0.76	-0.16
Common Dividends Paid	-25.47	-25.39	-25.4	-22	-14.07
Financing Cash Flow	25.43	10.59	-112.76	86.77	226.85
Net Cash Flow	6.62	-17.92	28.11	-37.24	-141.83
Free Cash Flow	52.18	54.92	59.05	78.94	53.56
Free Cash Flow Growth	-4.99%	-6.99%	-25.20%	47.39%	18.05%
FCF Margin	28.75%	33.88%	34.63%	47.94%	37.91%
Free Cash Flow Per Share	1.39	1.46	1.57	2.33	1.83
Levered Free Cash Flow	42.73	42.49	50.14	65.82	52.7
Unlevered Free Cash Flow	-11.85	-0.93	0.21	5.22	-5.92

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

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