FRAF Income 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 Interest Income	69.65	57.51	53.64	51.59	44.67
Net Interest Income Growth	21.09%	7.23%	3.98%	15.48%	6.46%
Non-Interest Income	19.18	13.68	14.85	15.25	19.49
Non-Interest Income Growth	40.19%	-7.89%	-2.62%	-21.75%	29.20%
Revenues Before Loan Losses	88.82	71.19	68.49	66.84	64.16
Provision for Credit Losses	2.9	1.98	2.72	-	-2.1
Revenue	85.92	69.21	65.76	66.84	66.26
Revenue Growth (YoY)	24.15%	5.24%	-1.60%	0.87%	26.40%
Compensation Expenses	35.33	32.75	28.81	28.09	24.78
Selling, General & Admin	15.15	14.41	13.56	12.94	11.15
Other Non-Interest Expenses	9.18	8.73	7.64	7.66	7.31
Total Non-Interest Expense	59.66	55.9	50.01	48.69	43.25
Pretax Income	26.27	13.32	15.75	17.5	23.01
Provision for Income Taxes	5.04	2.22	2.16	2.56	3.4
Net Income	21.23	11.1	13.6	14.94	19.62
Net Income to Common	21.23	11.1	13.6	14.94	19.62
Net Income Growth	91.24%	-18.38%	-8.97%	-23.85%	53.25%
Shares Outstanding (Basic)	4	4	4	4	4
Shares Outstanding (Diluted)	4	4	4	4	4
Shares Change (YoY)	1.41%	0.75%	-1.44%	0.11%	1.70%
EPS (Basic)	4.76	2.52	3.11	3.38	4.44
EPS (Diluted)	4.74	2.51	3.11	3.38	4.44
EPS Growth	88.84%	-19.29%	-7.99%	-23.87%	51.02%
Free Cash Flow	24.58	19.19	26.07	13.03	17.54
Free Cash Flow Growth	28.08%	-26.39%	100.11%	-25.74%	194.77%
Free Cash Flow Per Share	5.49	4.35	5.95	2.93	3.95
Dividends Per Share	1.310	1.280	1.280	1.280	1.250
Dividend Growth	2.34%	-	-	2.40%	4.17%
Profit Margin	24.70%	16.04%	20.68%	22.57%	29.61%
FCF Margin	28.60%	27.72%	39.64%	19.68%	26.47%
EBITDA	2.43	5.06	4.48	5.61	2.34
EBITDA Margin	2.82%	7.31%	6.81%	8.48%	3.53%
Effective Tax Rate	19.19%	16.64%	13.68%	14.62%	14.76%

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

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