MainStreet Bancshares Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	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	-4.61	-9.98	26.59	26.67	22.17	15.72
Depreciation & Amortization	4.96	4.63	2.75	2.58	2.37	2.14
Provision for Credit Losses	3.01	6.76	1.64	2.4	-1.18	3.61
Stock-Based Compensation	2.64	2.84	2.49	2.52	1.89	1.53
Other Adjustments	-5.59	14.35	-0.74	-1.34	-1.19	-2.15
Changes in Accrued Interest and Accounts Receivable	-2.55	1.08	-2.8	-1.86	1.9	-4.18
Changes in Other Operating Activities	-4.46	-4.94	1.71	2.57	3.16	0.36
Operating Cash Flow	13.69	14.74	31.63	33.54	29.12	17.02
Operating Cash Flow Growth	-6.33%	-53.40%	-5.70%	15.18%	71.16%	1.94%
Net Change in Loans Held-for-Investment	-30.82	-142.48	-128.03	-240.76	-83.62	-260.93
Net Change in Securities and Investments	-2	-3.78	3.15	19.1	36.98	-51.63
Capital Expenditures	-4.05	-0.91	-0.5	-1.13	-1.81	-1.28
Purchases of Intangible Assets	-0.66	-4.88	-5.51	-6.66	-2.49	-
Sale of Property, Plant & Equipment	0.09	0.2	0.13	-	0.08	0.05
Other Investing Activities	15.46	29.58	-	0.7	21.61	-
Investing Cash Flow	-26.77	-122.28	-130.75	-228.74	-60.52	-313.79
Net Change in Deposits	-82.83	221.67	173.24	100.93	-26.28	366.62
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-15	15	-	-	-
Long-Term Debt Repaid	-3.23	-	-	-	-	-
Net Long-Term Debt Issued (Repaid)	-3.23	-	-100	142.62	14.24	-40
Repurchase of Common Stock	-0.46	-0.73	-0.04	-6.92	-	-13.8
Net Common Stock Issued (Repurchased)	-0.46	-0.73	-0.04	-6.92	-	-13.8
Issuance of Preferred Stock	-	-	-	-	-	27.26
Net Preferred Stock Issued (Repurchased)	-	-	-	-	-	27.26
Common Dividends Paid	-3.06	-3.05	-3.01	-1.88	-	-
Preferred Share Dividends Paid	-2.16	-2.16	-2.16	-2.16	-2.16	-0.64
Financing Cash Flow	-91.74	200.73	83.03	232.59	-14.2	339.45
Net Cash Flow	-104.82	93.2	-16.09	37.4	-45.59	42.68
Free Cash Flow	9.63	13.83	31.14	32.42	27.32	15.73
Free Cash Flow Growth	-30.35%	-55.58%	-3.96%	18.67%	73.62%	0.20%
FCF Margin	959.46%	26.45%	40.54%	45.98%	44.06%	34.05%
Free Cash Flow Per Share	1.26	1.82	4.14	4.31	3.61	1.93
Levered Free Cash Flow	-16.09	-12.28	-74.41	169.31	39.88	-27.89
Unlevered Free Cash Flow	-6.1	-0.14	1.16	2.16	5.62	-2.97

Updated Jan 26, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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