Preferred Bank Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	133.63	130.66	150.04	128.85	95.24
Depreciation & Amortization	1.75	2.15	1.72	1.89	1.9
Provision for Credit Losses	9.1	12.1	10	7.35	-1
Stock-Based Compensation	10.18	9.21	5.81	8.41	9.12
Net Change in Loans Held-for-Sale	2.21	-1.85	-0.36	-	0.66
Other Adjustments	11.95	4.82	9.22	0.26	0.42
Changes in Accrued Interest and Accounts Receivable	-21.21	9.93	-14.13	-8.62	7.86
Changes in Accrued Expenses	20.52	-2.5	13.09	5.61	5.44
Operating Cash Flow	168.14	164.52	175.39	143.76	119.63
Operating Cash Flow Growth	2.20%	-6.20%	22.01%	20.16%	15.29%
Net Change in Loans Held-for-Investment	-421.88	-383.36	-193.46	-649.56	-387.83
Net Change in Securities and Investments	-222.83	-37.43	94.47	-36.89	-231.58
Capital Expenditures	-1.35	-0.92	-2.42	-0.36	-0.6
Other Investing Activities	22.26	0.09	3.37	-13.09	-
Investing Cash Flow	-623.8	-421.62	-98.03	-699.89	-620.01
Net Change in Deposits	428.6	207.51	152.35	331.49	783.03
Long-Term Debt Issued	200	-	-	-	147.63
Long-Term Debt Repaid	-	-	-	-	-100
Net Long-Term Debt Issued (Repaid)	200	-	-	-	47.63
Repurchase of Common Stock	-93.1	-38.25	-55.24	-33.29	-17.72
Net Common Stock Issued (Repurchased)	-93.1	-38.25	-55.24	-33.29	-17.72
Common Dividends Paid	-38.25	-37.5	-31.14	-25.14	-21.43
Financing Cash Flow	497.24	131.76	65.97	273.05	791.52
Net Cash Flow	41.58	-125.34	143.33	-283.08	291.15
Free Cash Flow	166.79	163.61	172.98	143.4	119.03
Free Cash Flow Growth	1.94%	-5.42%	20.63%	20.47%	16.39%
FCF Margin	59.30%	59.69%	60.38%	57.39%	61.16%
Free Cash Flow Per Share	12.99	12.07	12.13	9.68	8.01

SEC Filings: 10-K · 10-Q