Forbright 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
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Net Income	87.93	43.37
Depreciation & Amortization	8.49	6.72
Provision for Credit Losses	24.01	-1.69
Stock-Based Compensation	8.74	7.61
Net Change in Loans Held-for-Sale	-44.79	90.16
Other Adjustments	-41.95	-30.6
Changes in Accrued Interest and Accounts Receivable	-19.63	3.49
Changes in Other Operating Activities	-21.25	3.82
Operating Cash Flow	1.55	122.89
Operating Cash Flow Growth	-98.74%	-
Net Change in Loans Held-for-Investment	-1,309	20.68
Net Change in Securities and Investments	243.9	-583.37
Other Investing Activities	43.4	-43.45
Investing Cash Flow	-1,022	-606.15
Net Change in Deposits	1,213	-276.65
Long-Term Debt Issued	1,180	2,205
Long-Term Debt Repaid	-1,904	-1,555
Net Long-Term Debt Issued (Repaid)	-724	650
Issuance of Common Stock	1.17	0.71
Repurchase of Common Stock	-0.82	-0.75
Net Common Stock Issued (Repurchased)	0.35	-0.05
Financing Cash Flow	488.94	373.3
Net Cash Flow	-531.27	-109.96
Free Cash Flow	1.55	122.89
Free Cash Flow Growth	-98.74%	-
FCF Margin	0.50%	48.31%
Free Cash Flow Per Share	0.08	6.14

SEC Filings: 10-K · 10-Q