National Bankshares 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	13.02	7.62	15.69	25.93	20.38	16.08
Depreciation & Amortization	2.45	2.21	1.83	1.87	2.32	2.16
Provision for Credit Losses	0.56	1.23	-1.26	0.71	-0.4	1.99
Stock-Based Compensation	0.18	0.13	0.04	-	-	-
Net Change in Loans Held-for-Sale	-0.08	-0.21	-0.41	0.62	0.25	0.04
Other Adjustments	-2.64	0.46	3.1	-0.78	-0.74	-5.72
Changes in Accrued Interest and Accounts Receivable	-0.03	0.18	-0.31	-0.9	-0.08	-0.74
Changes in Accounts Payable	-0.46	-0.09	1.31	0.06	-0.01	-0.09
Changes in Other Operating Activities	1.05	-2.09	-4.48	2	1.15	0.07
Operating Cash Flow	16.17	9.44	15.52	29.5	22.88	13.79
Operating Cash Flow Growth	160.28%	-39.20%	-47.38%	28.92%	65.90%	-26.76%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	-	-	-	-	-43.84
Net Change in Loans Held-for-Investment	-14.96	-13.61	-4.11	-49.66	-34.92	-35.73
Net Change in Securities and Investments	46.96	25.54	57.72	-78.71	-154.07	-96.26
Proceeds from Business Divestments	0.01	6.9	-	-	-	-
Capital Expenditures	-3.26	-3.26	-1.49	-1.26	-0.32	-1.82
Sale of Property, Plant & Equipment	-	0.05	-	0.01	-	0
Other Investing Activities	-1.9	0.17	1.07	-0.1	-3.93	0.04
Investing Cash Flow	-22.76	15.79	53.19	-129.71	-193.25	-177.6
Net Change in Deposits	-42.68	10.78	-38.75	48.14	197.44	177.39
Long-Term Debt Repaid	-	-5.23	-	-	-	-
Net Long-Term Debt Issued (Repaid)	-	-5.23	-	-	-	-
Repurchase of Common Stock	-	-	-	-6.34	-13.35	-1.72
Net Common Stock Issued (Repurchased)	-	-	-	-6.34	-13.35	-1.72
Common Dividends Paid	-9.61	-9.26	-14.78	-8.95	-8.81	-9
Financing Cash Flow	-0.87	-3.71	-53.54	32.85	175.28	166.67
Net Cash Flow	-7.47	21.51	15.17	-67.36	4.92	2.86
Free Cash Flow	12.91	6.18	14.03	28.24	22.56	11.97
Free Cash Flow Growth	108.77%	-55.94%	-50.32%	25.19%	88.48%	-32.76%
FCF Margin	24.83%	14.01%	29.29%	48.10%	44.48%	27.13%
Free Cash Flow Per Share	2.03	1.00	2.38	4.72	3.63	1.85
Levered Free Cash Flow	15.06	-0.65	12.55	27.7	23.45	15.66
Unlevered Free Cash Flow	-0.25	-3.05	-3.14	1.77	3.06	-0.42

Updated Jan 22, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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