FSFG Cash Flow Statement

Financials in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Net Income	23.16	13.59	3.49	15.39	29.96
Depreciation & Amortization	2.24	2.37	2.55	2.09	0.99
Provision for Credit Losses	0.33	7.77	2.6	4.45	-1.77
Stock-Based Compensation	0.92	0.7	0.7	-	1
Net Change in Loans Held-for-Sale	54.69	41.47	15.17	-1,711	4,245
Other Adjustments	-21.27	51	-8	-18.58	-107.28
Changes in Accrued Interest and Accounts Receivable	-1.22	-1.83	-8.34	13.81	-7.82
Changes in Accounts Payable	4.46	7.62	-4.56	-	-0.42
Changes in Other Operating Activities	8.32	7.66	-4.05	-	0
Operating Cash Flow	79.13	91.2	32.76	148.81	114.89
Operating Cash Flow Growth	-13.23%	178.41%	-77.99%	29.52%	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-0.49	0.25	1.6	0.44	0.73
Net Change in Loans Held-for-Investment	-9.66	-196.77	-335.87	0.25	-26.04
Net Change in Securities and Investments	-8.64	81.9	0.54	-378.74	-10.11
Payments for Business Acquisitions	-12.63	-	-	-	-3.17
Capital Expenditures	-0.88	-0.68	-2.95	-0.84	-5
Sale of Property, Plant & Equipment	0.07	0.15	0.13	-2.24	0.44
Other Investing Activities	-5.6	-22.04	-6.18	-2.89	-1.54
Investing Cash Flow	-37.83	-203.33	-263.99	-544.21	-59.87
Net Change in Deposits	-171	199.09	172.48	288.25	179.5
Short-Term Debt Issued	-6.64	-1.54	-4.12	11.43	-197.12
Net Short-Term Debt Issued (Repaid)	-6.64	-1.54	-4.12	11.43	-197.12
Long-Term Debt Issued	2,495	1,990	7,455	1,168	495
Long-Term Debt Repaid	-2,355	-2,070	-7,396	-1,055	-495
Net Long-Term Debt Issued (Repaid)	140	-80	58.66	113.25	-
Issuance of Common Stock	2.72	0.02	-	-0.05	-0.04
Repurchase of Common Stock	-0.03	-4.13	-3.79	-9.12	-1.26
Net Common Stock Issued (Repurchased)	2.69	-4.11	-3.79	-9.16	-1.3
Common Dividends Paid	-3.3	-3.12	-3.34	-0.99	-1
Other Financing Activities	0.12	-0.1	-0.18	-0.05	0.02
Financing Cash Flow	-43.53	-80.17	-20.29	403.64	-59.31
Net Cash Flow	-2.23	-192.3	-251.52	8.24	-0.3
Beginning Cash & Cash Equivalents	93.44	285.74	537.26	33.43	33.73
Free Cash Flow	78.25	90.52	29.8	147.98	109.89
Free Cash Flow Growth	-13.55%	203.71%	-79.86%	34.66%	-
FCF Margin	93.36%	144.09%	35.35%	138.33%	61.29%
Free Cash Flow Per Share	11.22	13.20	4.33	20.72	15.32
Levered Free Cash Flow	169.44	-52.81	45.37	155.13	-179.8
Unlevered Free Cash Flow	12.92	15.14	-17.34	15.07	-12.25

Updated Dec 12, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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