First Internet Bancorp 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	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 Income	-35.17	25.28	8.42	35.54	48.11
Depreciation & Amortization	6.19	8.46	5.75	8.73	8.78
Provision for Credit Losses	72.31	17.07	16.65	4.98	1.03
Stock-Based Compensation	1.22	1.81	1.26	2.04	2.39
Net Change in Loans Held-for-Sale	-36.08	-7.67	14.54	39.95	17.42
Other Adjustments	-5.22	-33.39	-25.15	-14.55	-29
Changes in Other Operating Activities	0.19	1.43	-9.78	6.04	6.11
Operating Cash Flow	3.45	12.99	11.68	82.72	54.84
Operating Cash Flow Growth	-73.45%	11.23%	-85.88%	50.84%	319.65%
Net Change in Loans Held-for-Investment	316.73	-343.77	-352.57	-612.4	168.66
Net Change in Securities and Investments	-187.37	-151.17	-116.56	27.7	-107.44
Capital Expenditures	-1.23	-2.59	-5.37	-17.52	-29.89
Sale of Property, Plant & Equipment	-	-	-	-	8.12
Other Investing Activities	0.55	1.36	-	1.19	4.43
Investing Cash Flow	128.68	-496.17	-474.5	-601.03	43.87
Net Change in Deposits	-93.39	866.23	623.82	262.29	-91.93
Long-Term Debt Issued	104.5	430	475	615	498.66
Long-Term Debt Repaid	-150	-750	-475	-515	-475
Net Long-Term Debt Issued (Repaid)	-45.5	-320	-	100	23.66
Repurchase of Common Stock	-0.52	-0.28	-9.34	-27.78	-4.44
Net Common Stock Issued (Repurchased)	-0.52	-0.28	-9.34	-27.78	-4.44
Common Dividends Paid	-2.09	-2.08	-2.16	-2.32	-2.42
Other Financing Activities	-0.26	-0.18	-0.15	-0.29	-0.44
Financing Cash Flow	-141.76	543.69	612.17	331.9	-75.56
Net Cash Flow	-9.63	60.51	149.35	-186.41	23.15
Free Cash Flow	2.22	10.4	6.31	65.21	24.95
Free Cash Flow Growth	-78.64%	64.74%	-90.32%	161.37%	-
FCF Margin	5.03%	8.84%	7.48%	57.51%	21.08%
Free Cash Flow Per Share	0.25	1.19	0.71	6.80	2.50
Levered Free Cash Flow	-75.51	-287.42	-0.99	132.79	56.76
Unlevered Free Cash Flow	5.16	7.3	-9.4	-2.75	-15.01

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

SEC Filings: 10-K · 10-Q