1st Source 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	160.7	158.26	132.62	124.93	120.53	118.56
Depreciation & Amortization	8.1	8.15	14.07	19.4	23.04	30.68
Provision for Credit Losses	16.57	12.56	12.47	5.87	13.25	-4.3
Stock-Based Compensation	6.36	6.2	5.66	4.89	3.59	4.21
Net Change in Loans Held-for-Sale	-0.84	-2.3	-1.13	2.47	9.37	-0.4
Other Adjustments	2.22	1.82	6.29	-9.62	-13.69	14.87
Changes in Accrued Interest and Accounts Receivable	-2.98	-2.75	-2.56	-5.49	-6.99	2.48
Changes in Accounts Payable	-5.62	-11.76	6.97	23.52	4.12	-2.11
Changes in Other Operating Activities	25.46	52.93	19.46	21.95	22.32	2.77
Operating Cash Flow	210.47	223.12	193.85	187.94	175.53	166.76
Operating Cash Flow Growth	11.99%	15.10%	3.15%	7.07%	5.26%	7.94%
Net Change in Loans Held-for-Investment	-232.41	-205.97	-346.28	-507.62	-668.23	131.79
Net Change in Securities and Investments	-40.06	53.86	72.89	149.05	-113.67	-734.78
Capital Expenditures	-8.61	-10.08	-12.37	-5.98	-2.38	-2.89
Sale of Property, Plant & Equipment	0.26	0.25	0.61	0.14	0.05	0.13
Other Investing Activities	6.16	7.71	8.54	6.13	-0.64	7.19
Investing Cash Flow	-260.95	-154.22	-276.61	-358.29	-784.87	-598.56
Net Change in Deposits	-190.17	-4.46	191.45	110.32	249.2	733.04
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	228	-10.58	-63.16	96.83	15.5	49.39
Long-Term Debt Repaid	-12.29	-2.35	-12.63	-3.45	-25.53	-13.46
Net Long-Term Debt Issued (Repaid)	-12.29	-2.35	-12.63	-3.45	-25.53	-13.46
Issuance of Common Stock	0.07	0.13	0.15	0.08	0.25	0.09
Repurchase of Common Stock	-36.77	-13.87	-0.18	-12.47	-6.84	-33.14
Net Common Stock Issued (Repurchased)	-36.7	-13.74	-0.03	-12.39	-6.58	-33.05
Common Dividends Paid	-39.4	-38.43	-35.4	-33.07	-32.1	-31.34
Other Financing Activities	-3.04	-4.32	-2.33	18.99	6.47	9.36
Financing Cash Flow	-53.54	-73.87	77.91	177.22	206.95	713.94
Net Cash Flow	-104.01	-4.97	-4.84	6.87	-402.39	282.14
Free Cash Flow	201.86	213.04	181.49	181.96	173.15	163.88
Free Cash Flow Growth	-5.24%	17.38%	-0.26%	5.09%	5.66%	8.07%
FCF Margin	47.35%	50.58%	48.44%	50.07%	50.70%	48.05%
Free Cash Flow Per Share	0.02	8.70	7.41	7.39	7.01	6.55

SEC Filings: 10-K · 10-Q