Preferred Bank (PFBC)

Preferred Bank Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	126.48	130.66	150.04	128.85	95.24	69.47
Depreciation & Amortization	1.98	2.15	1.72	1.89	1.9	1.91
Other Amortization	0.24	0.24	0.24	0.24	1.1	0.18
Gain (Loss) on Sale of Assets	-	-	-	0.43	-	-
Gain (Loss) on Sale of Investments	9.79	7.42	16.13	8.13	4.42	7.15
Total Asset Writedown	4.28	1.63	1.9	-0.95	-	-
Provision for Credit Losses	7.5	12.1	10	7.35	-1	26
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.61	-1.2	0.39	-	0.02	0.02
Accrued Interest Receivable	6.85	9.73	-11.74	-8.62	7.86	-2.28
Change in Income Taxes	-3.24	0.2	-2.39	-	-	-
Other Operating Activities	-3.98	-4.47	-9.04	-7.58	-5.1	-7.01
Operating Cash Flow	165.86	164.52	175.39	143.76	119.63	103.77
Operating Cash Flow Growth	29.18%	-6.20%	22.01%	20.16%	15.29%	19.95%
Capital Expenditures	-0.49	-0.92	-2.42	-0.36	-0.6	-1.5
Investment in Securities	-253.77	-37.43	94.47	-36.89	-231.58	-4
Net Decrease (Increase) in Loans Originated / Sold - Investing	-312	-383.36	-193.46	-649.56	-387.83	-311.37
Other Investing Activities	0.09	0.09	3.37	-13.09	-	-1.9
Investing Cash Flow	-566.17	-421.62	-98.03	-699.89	-620.01	-318.77
Long-Term Debt Issued	-	-	-	-	147.63	-
Long-Term Debt Repaid	-	-	-	-	-100	-
Net Debt Issued (Repaid)	200	-	-	-	47.63	-
Repurchase of Common Stock	-82.41	-38.25	-55.24	-33.29	-17.72	-2.45
Common Dividends Paid	-38.28	-37.5	-31.14	-25.14	-21.43	-17.92
Net Increase (Decrease) in Deposit Accounts	199.57	207.51	152.35	331.49	783.03	459.19
Financing Cash Flow	278.89	131.76	65.97	273.05	791.52	438.82
Net Cash Flow	-121.42	-125.34	143.33	-283.08	291.15	223.82
Free Cash Flow	165.37	163.61	172.98	143.4	119.03	102.27
Free Cash Flow Growth	31.50%	-5.42%	20.63%	20.47%	16.39%	27.17%
Free Cash Flow Margin	61.71%	61.24%	62.77%	59.25%	62.28%	68.82%
Free Cash Flow Per Share	12.43	12.07	12.13	9.68	8.01	6.87
Cash Interest Paid	222.24	236.08	175.1	45.13	25.69	42.19
Cash Income Tax Paid	44.84	46.33	58.39	43.67	29.29	20.91

Updated Jul 21, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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