Guaranty Bancshares Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	31.49	30.01	40.42	39.81	27.4
Depreciation & Amortization	5.01	4.78	4.94	5.51	5.47
Provision for Credit Losses	-2.2	-	2.15	-1.7	13.2
Stock-Based Compensation	0.54	0.59	0.69	0.73	0.75
Net Change in Loans Held-for-Sale	1.82	3.38	3.41	6.94	3.66
Other Adjustments	1.04	-1.5	0.25	-1.6	-5.51
Changes in Accrued Interest and Accounts Receivable	10.72	-1.86	-14.45	-8.57	-3.91
Changes in Accounts Payable	-1.01	3.81	1.44	2.41	1.46
Operating Cash Flow	47.42	39.21	38.85	43.54	42.52
Operating Cash Flow Growth	20.95%	0.93%	-10.79%	2.41%	32.69%
Net Change in Loans Held-for-Investment	174.21	53.07	-470.39	-43.15	-159.36
Net Change in Securities and Investments	-77.99	94.18	-210.75	-158.3	-1.37
Capital Expenditures	-3.32	-6.78	-5.68	-2.9	-5.9
Sale of Property, Plant & Equipment	14.81	3.56	1.86	1.2	0.86
Other Investing Activities	-	-	-	0.46	-
Investing Cash Flow	107.71	144.03	-684.96	-202.68	-165.77
Net Change in Deposits	58.92	-47.91	10.66	384.44	329.59
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	5.9	17.95	-6.93	-1.48	4.53
Short-Term Debt Issued	3	17.5	1	10	30
Short-Term Debt Repaid	-7.5	-13	-6	-17	-18
Net Short-Term Debt Issued (Repaid)	-4.5	4.5	-5	-7	12
Long-Term Debt Issued	1,595	3,275	1,169	160	400
Long-Term Debt Repaid	-1,739	-3,429	-897.59	-221.6	-337.02
Net Long-Term Debt Issued (Repaid)	-144	-153.5	271.84	-61.6	62.98
Issuance of Common Stock	2.26	0.7	1.57	2.02	0.64
Repurchase of Common Stock	-6.37	-11.23	-8.84	-	-16.93
Net Common Stock Issued (Repurchased)	-4.11	-10.53	-7.27	2.02	-16.29
Common Dividends Paid	-10.9	-10.7	-10.32	-9.43	-8.49
Financing Cash Flow	-98.69	-200.18	252.98	306.95	384.32
Net Cash Flow	56.44	-16.94	-393.14	147.81	261.08
Beginning Cash & Cash Equivalents	89.52	106.47	499.61	351.79	90.71
Ending Cash & Cash Equivalents	145.96	89.52	106.47	499.61	351.79
Free Cash Flow	44.11	32.43	33.16	40.65	36.62
Free Cash Flow Growth	36.01%	-2.21%	-18.42%	11.00%	35.85%
FCF Margin	36.51%	27.14%	25.67%	33.36%	36.69%
Free Cash Flow Per Share	3.83	2.76	2.74	3.33	2.99
Levered Free Cash Flow	-105.56	-119.02	293.53	-32.33	99.5
Unlevered Free Cash Flow	11.41	-0.06	-13.76	-3.54	-2.89

Updated Jul 21, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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