RMBI 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	10.64	9.38	9.49	12.97	11.14	10.02
Depreciation & Amortization	0.88	0.85	0.98	1.06	1.12	1
Provision for Credit Losses	1.94	0.55	0.53	0.6	1.43	3.77
Stock-Based Compensation	1.86	2.14	2.24	2.34	2.61	1.46
Net Change in Loans Held-for-Sale	1.22	0.3	0.32	-0.08	-1.43	1.66
Other Adjustments	-0.44	-0.07	0.44	0.54	-0.53	-2.16
Changes in Accrued Interest and Accounts Receivable	0.04	-0.19	-1.13	-0.52	0.51	-1.65
Changes in Accounts Payable	-0.52	0.43	3.03	1.11	0.04	-0.07
Changes in Other Operating Activities	4.39	1.36	-3.77	0.14	-24.54	2.55
Operating Cash Flow	20.09	14.75	12.11	18.16	-9.65	16.57
Operating Cash Flow Growth	71.02%	21.78%	-33.29%	-	-	64.15%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	-0.3	0.49	-0.49	-	-
Net Change in Loans Held-for-Investment	-40.6	-68.87	-131.96	-127.38	-92.15	-50.09
Net Change in Securities and Investments	16.69	21.46	11.29	12.01	-118.55	-35.86
Capital Expenditures	-1.28	-0.46	-0.62	-0.39	-0.58	-1.88
Sale of Property, Plant & Equipment	-	0.01	0	-	-	0.03
Other Investing Activities	0.07	-1.13	-1.74	0.13	-0.91	-1.45
Investing Cash Flow	-23.3	-49.3	-122.53	-116.12	-212.19	-89.26
Net Change in Deposits	29.16	52.8	35.88	105.09	207.13	75.83
Long-Term Debt Issued	287	288.5	541.5	327.5	209	64
Long-Term Debt Repaid	-285	-294.5	-450.5	-327.5	-199	-48
Net Long-Term Debt Issued (Repaid)	2	-6	91	-	10	16
Issuance of Common Stock	0	-0	-	-	0.13	-
Repurchase of Common Stock	-7.58	-5.04	-6.25	-9.86	-11.91	-9.08
Net Common Stock Issued (Repurchased)	-7.58	-5.04	-6.25	-9.86	-11.79	-9.08
Common Dividends Paid	-5.78	-5.7	-5.92	-4.41	-9.28	-1.84
Other Financing Activities	0.1	0	0.03	0.03	0.04	-0.05
Financing Cash Flow	17.9	36.06	114.74	90.85	196.11	80.85
Net Cash Flow	14.69	1.52	4.32	-7.12	-25.73	8.17
Free Cash Flow	18.81	14.29	11.49	17.78	-10.23	14.69
Free Cash Flow Growth	31.63%	24.33%	-35.33%	-	-	60.82%
FCF Margin	41.83%	33.30%	27.54%	38.72%	-24.21%	40.25%
Free Cash Flow Per Share	1.88	1.40	1.10	1.61	-0.88	1.20
Levered Free Cash Flow	16.15	5.37	98.96	14.38	-2.3	25.97
Unlevered Free Cash Flow	3.51	2	-1.52	1.41	-23.45	-0.05

Updated Nov 10, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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