RMBI Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	12.39	11.58	9.38	9.49	12.97	11.14
Depreciation & Amortization	0.9	0.89	0.85	0.98	1.06	1.12
Provision for Credit Losses	2.11	2.15	0.55	0.53	0.6	1.43
Stock-Based Compensation	1.29	1.55	2.14	2.24	2.34	2.61
Net Change in Loans Held-for-Sale	0.45	-0.26	0.3	0.32	-0.08	-1.43
Other Adjustments	-0.43	-0.4	-0.07	0.44	0.54	-0.53
Changes in Accrued Interest and Accounts Receivable	-0.12	-0.27	-0.19	-1.13	-0.52	0.51
Changes in Accounts Payable	-1.04	-1.37	0.43	3.03	1.11	0.04
Changes in Other Operating Activities	0.94	2.1	1.36	-3.77	0.14	-24.54
Operating Cash Flow	16.57	15.97	14.75	12.11	18.16	-9.65
Operating Cash Flow Growth	12.21%	8.25%	21.78%	-33.29%	-	-
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-2.82	-1.77	-0.3	0.49	-0.49	-
Net Change in Loans Held-for-Investment	-0.05	-18.41	-68.87	-131.96	-127.38	-92.15
Net Change in Securities and Investments	16.37	20.35	21.46	11.29	12.01	-118.55
Capital Expenditures	-1.61	-1.36	-0.46	-0.62	-0.39	-0.58
Sale of Property, Plant & Equipment	-	-	0.01	0	-	-
Other Investing Activities	0.09	0.04	-1.13	-1.74	0.13	-0.91
Investing Cash Flow	15.66	-1.14	-49.3	-122.53	-116.12	-212.19
Net Change in Deposits	0.7	20.95	52.8	35.88	105.09	207.13
Long-Term Debt Issued	245	296	288.5	541.5	327.5	209
Long-Term Debt Repaid	-275	-309	-294.5	-450.5	-327.5	-199
Net Long-Term Debt Issued (Repaid)	-30	-13	-6	91	0	10
Issuance of Common Stock	-0	-0	-0	-	-	0.13
Repurchase of Common Stock	-1.4	-5.63	-5.04	-6.25	-9.86	-11.91
Net Common Stock Issued (Repurchased)	-1.4	-5.63	-5.04	-6.25	-9.86	-11.79
Common Dividends Paid	-5.81	-5.84	-5.7	-5.92	-4.41	-9.28
Other Financing Activities	0.04	0.06	0	0.03	0.03	0.04
Financing Cash Flow	-24.47	-3.46	36.06	114.74	90.85	196.11
Net Cash Flow	7.77	11.37	1.52	4.32	-7.12	-25.73
Free Cash Flow	14.96	14.61	14.29	11.5	17.78	-10.23
Free Cash Flow Growth	2.44%	2.21%	24.33%	-35.33%	-	-
FCF Margin	31.10%	31.24%	33.30%	27.54%	38.72%	-24.21%
Free Cash Flow Per Share	1.52	1.48	1.40	1.10	1.61	-0.88
Levered Free Cash Flow	-18.53	-1.44	5.37	98.96	14.38	-2.3
Unlevered Free Cash Flow	-0.93	-0.02	2	-1.52	1.41	-23.45

Updated May 12, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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