MVB Financial 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
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	20.09	31.23	15.05	39.12
Depreciation & Amortization	3.93	5	5.32	4.2
Other Amortization	1.7	1.35	2.53	2.97
Gain (Loss) on Sale of Assets	-11.54	-0.17	-0.05	-1.4
Gain (Loss) on Sale of Investments	-0.01	3.73	3.55	-3.6
Provision for Credit Losses	3.54	-1.92	14.19	-6.28
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.86	28.92	-21.78	-8.01
Change in Other Net Operating Assets	-21.78	-5.27	-14.86	1.25
Other Operating Activities	1.18	-0.19	-5.27	-6.07
Net Cash from Discontinued Operations	-	-11.8	-	-
Operating Cash Flow	-0.29	58.23	7.35	34.82
Operating Cash Flow Growth	-	691.96%	-78.88%	-68.98%
Capital Expenditures	-1.62	-1.92	-3.04	-4.87
Sale of Property, Plant and Equipment	17.31	0.43	0.05	0.3
Cash Acquisitions	-	-	-	-0.77
Investment in Securities	-72.22	39.12	-46.77	-15.22
Income (Loss) Equity Investments	-0.55	3.21	7.11	13.6
Divestitures	-	-0.01	-	-95.5
Net Decrease (Increase) in Loans Originated / Sold - Investing	200.83	54.03	-514.64	-460.67
Other Investing Activities	0.17	-3.4	-6.72	0.95
Investing Cash Flow	144.46	88.25	-571.13	-571.95
Short-Term Debt Issued	-	-	102.33	1.12
Long-Term Debt Issued	-	-	10	30
Total Debt Issued	-	-	112.33	31.12
Short-Term Debt Repaid	-2.06	-107.55	-1.35	-
Long-Term Debt Repaid	-6.85	-3.03	-0.13	-
Total Debt Repaid	-8.91	-110.58	-1.47	-
Net Debt Issued (Repaid)	-8.91	-110.58	110.86	31.12
Issuance of Common Stock	1.49	0.64	2.07	4.93
Preferred Share Repurchases	-	-	-	-7.33
Common Dividends Paid	-8.77	-8.64	-8.36	-6.04
Preferred Dividends Paid	-	-	-	-0.04
Total Dividends Paid	-8.77	-8.64	-8.36	-6.07
Net Increase (Decrease) in Deposit Accounts	-207.86	330.99	192.88	558.34
Other Financing Activities	-0.44	-0.95	-0.83	-0.3
Financing Cash Flow	-224.49	211.47	296.62	580.68
Net Cash Flow	-80.32	357.95	-267.16	43.54
Free Cash Flow	-1.91	56.32	4.31	29.95
Free Cash Flow Growth	-	1206.08%	-85.60%	-71.64%
Free Cash Flow Margin	-1.28%	38.60%	3.45%	23.31%
Free Cash Flow Per Share	-0.14	4.33	0.34	2.37
Cash Interest Paid	73.24	66.71	12.29	6.15
Cash Income Tax Paid	0.92	13.08	2.29	11.96

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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