GBank Financial Holdings Inc. (GBFH)

GBank Financial Holdings Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 21, 2022
Net Income	19.41	18.64	10.92	10.87
Depreciation & Amortization	5.38	5.52	6.45	5.88
Other Amortization	0.08	0.08	0.07	0.06
Gain (Loss) on Sale of Investments	-0.47	-0.39	-0.6	-0.17
Total Asset Writedown	0.4	0.4	0.76	-
Provision for Credit Losses	2.94	2.24	1.09	1.35
Net Decrease (Increase) in Loans Originated / Sold - Operating	9.33	10.95	-49.6	9.08
Accrued Interest Receivable	-0.99	-1.6	-1.92	-1.77
Change in Other Net Operating Assets	1.2	-1.26	-6.09	-1.81
Other Operating Activities	-0.41	-0.41	-0.38	-0.36
Operating Cash Flow	28.55	26.48	-37.59	9.77
Capital Expenditures	-0.18	-0.19	-0.33	-0.32
Investment in Securities	-22.29	-6.77	7.69	-103.93
Net Decrease (Increase) in Loans Originated / Sold - Investing	-110.81	-170.74	-227.22	-51.16
Other Investing Activities	-1.43	-1.43	-1.33	-0.33
Investing Cash Flow	-134.71	-179.13	-221.19	-155.73
Short-Term Debt Issued	-	-	30	-
Total Debt Issued	-	-	30	-
Short-Term Debt Repaid	-	-30	-	-
Total Debt Repaid	-10	-30	-	-
Net Debt Issued (Repaid)	-10	-30	30	-
Issuance of Common Stock	19.93	19.46	0.01	0.13
Net Increase (Decrease) in Deposit Accounts	189.02	189.38	190.27	45.87
Financing Cash Flow	198.95	178.84	220.27	46
Net Cash Flow	92.79	26.19	-38.5	-99.96
Free Cash Flow	28.38	26.29	-37.91	9.45
Free Cash Flow Margin	44.62%	43.71%	-84.85%	23.36%
Free Cash Flow Per Share	2.05	1.96	-2.91	0.73
Cash Interest Paid	26.1	27.5	11.79	3.37
Cash Income Tax Paid	5.49	5.55	3.02	3.72

Source: S&P Global Market Intelligence. Banks template. Financial Sources.