UBFO 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	11.37	14.78	19.8	15.69	10.1	8.96
Depreciation & Amortization	1.46	1.47	1.46	1.32	1.4	1.41
Provision for Credit Losses	6.32	2.96	1.46	1.8	2.11	2.77
Stock-Based Compensation	0.9	0.69	0.48	0.37	0.24	0.43
Other Adjustments	1.32	1.2	-3.64	6.39	0.16	0.39
Changes in Accrued Interest and Accounts Receivable	0.82	-0.18	0.56	-0.96	0.63	0.04
Changes in Accounts Payable	0.95	-0.36	0.77	0.26	0.62	-0.19
Changes in Other Operating Activities	-0.94	-0.94	0.49	-1.17	1.3	-0.01
Operating Cash Flow	23.2	19.64	21.38	23.7	16.55	13.8
Operating Cash Flow Growth	6.25%	-8.14%	-9.81%	43.20%	19.93%	-14.60%
Net Change in Loans Held-for-Investment	7.03	-11.53	58.09	-113.39	-218.33	-60.19
Net Change in Securities and Investments	23.46	24.2	28.28	-58.38	-98.75	-6.01
Capital Expenditures	-1.74	-1.04	-0.79	-2.14	-1.25	-1.14
Sale of Property, Plant & Equipment	-	-	-	-	0.01	-
Other Investing Activities	-0.36	1.32	2	-0.32	-1.05	1.79
Investing Cash Flow	30.12	12.95	87.58	-174.23	-319.37	-65.55
Net Change in Deposits	10.88	53.15	-161.01	-22.62	235.46	134.29
Net Short-Term Debt Issued (Repaid)	-34	-62	62	-	-	-
Issuance of Common Stock	-	-	0.11	0.03	-	-
Net Common Stock Issued (Repurchased)	-	-	0.11	0.03	-	-
Common Dividends Paid	-8.35	-8.31	-7.87	-7.5	-7.49	-7.47
Financing Cash Flow	-34.47	-17.16	-106.77	-30.09	227.97	126.82
Net Cash Flow	18.85	15.43	2.19	-180.62	-74.85	75.07
Free Cash Flow	21.46	18.6	20.59	21.56	15.3	12.66
Free Cash Flow Growth	15.42%	-9.68%	-4.50%	40.94%	20.84%	-16.74%
FCF Margin	53.83%	40.75%	39.62%	48.67%	43.93%	39.67%
Free Cash Flow Per Share	1.24	1.08	1.20	1.26	0.90	0.74
Levered Free Cash Flow	-22.08	-48.26	84.29	13	12.79	9.08
Unlevered Free Cash Flow	0.55	-1.05	2.49	-2.69	2.7	0.11

Updated Nov 7, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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