Northpointe 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
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Net Income	70.76	55.16	33.76	23.24
Depreciation & Amortization	3.25	3.8	4.02	4.02
Other Amortization	0.31	0.46	0.36	0.18
Gain (Loss) on Sale of Assets	-0.11	1.57	0.04	5.55
Gain (Loss) on Sale of Investments	-0.06	-3.09	2.6	14.27
Total Asset Writedown	1.47	1.47	0.14	-
Provision for Credit Losses	2.34	-0.33	-1.49	2.22
Net Decrease (Increase) in Loans Originated / Sold - Operating	67.58	58.55	528.28	1,431
Change in Other Net Operating Assets	7.64	-21.82	2.29	-9
Other Operating Activities	-5.13	-19.27	12.14	-50.07
Operating Cash Flow	82.11	19.81	504.17	1,352
Operating Cash Flow Growth	-35.59%	-96.07%	-62.70%	-
Capital Expenditures	-2.35	-1.05	-2.81	-3.39
Investment in Securities	4	6.89	-	-5.82
Purchase / Sale of Intangibles	-0.3	80.85	-2.72	24.3
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,482	-543.07	-751.98	-1,197
Other Investing Activities	-10.54	-2.09	6.04	5.4
Investing Cash Flow	-1,488	-458.24	-750.68	-1,175
Long-Term Debt Issued	-	379.11	350	1,265
Long-Term Debt Repaid	-	-389.51	-17.25	-1,587
Net Debt Issued (Repaid)	49.08	-10.4	332.75	-322
Issuance of Common Stock	115.03	0.16	-	0.24
Repurchase of Common Stock	-0.77	-0.77	-0.62	-1.5
Preferred Share Repurchases	-4.9	-11.57	-	-
Common Dividends Paid	-3	-2.57	-2.57	-7.75
Preferred Dividends Paid	-8.63	-9.01	-9.65	-9.66
Total Dividends Paid	-11.63	-11.58	-12.22	-17.41
Net Increase (Decrease) in Deposit Accounts	1,238	497	4.26	-14.09
Financing Cash Flow	1,385	462.83	324.17	-354.76
Net Cash Flow	-21.59	24.41	77.66	-178.37
Free Cash Flow	79.76	18.76	501.36	1,348
Free Cash Flow Growth	-36.77%	-96.26%	-62.81%	-
Free Cash Flow Margin	37.24%	10.10%	253.50%	528.02%
Free Cash Flow Per Share	2.51	0.73	19.44	52.00
Cash Interest Paid	208.05	202.36	164.2	63.51
Cash Income Tax Paid	33.56	43.35	3.28	2.27

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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