UBFO 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	12.29	14.78	19.8	15.69	10.1
Depreciation & Amortization	1.46	1.47	1.46	1.32	1.4
Provision for Credit Losses	5.57	2.96	1.46	1.8	2.11
Stock-Based Compensation	0.97	0.68	0.48	0.37	0.24
Other Adjustments	-0.41	1.2	-3.64	6.39	0.16
Changes in Accrued Interest and Accounts Receivable	0.94	-0.18	0.56	-0.96	0.63
Changes in Accounts Payable	0.4	-0.36	0.77	0.26	0.62
Changes in Other Operating Activities	0.84	-0.93	0.49	-1.17	1.3
Operating Cash Flow	22.06	19.64	21.38	23.7	16.55
Operating Cash Flow Growth	12.33%	-8.14%	-9.81%	43.20%	19.93%
Net Change in Loans Held-for-Investment	3.34	-11.53	58.09	-113.39	-218.33
Net Change in Securities and Investments	24.86	24.2	28.28	-58.38	-98.75
Capital Expenditures	-2.28	-1.04	-0.79	-2.14	-1.25
Sale of Property, Plant & Equipment	-	-	-	-	0.01
Other Investing Activities	-	1.32	2	-0.32	-1.05
Investing Cash Flow	25.92	12.95	87.58	-174.23	-319.37
Net Change in Deposits	31.16	53.15	-161.01	-22.62	235.46
Net Short-Term Debt Issued (Repaid)	-	-62	62	-	-
Long-Term Debt Repaid	-6	-	-	-	-
Net Long-Term Debt Issued (Repaid)	-6	-	-	-	-
Issuance of Common Stock	-	-	0.11	0.03	-
Net Common Stock Issued (Repurchased)	-	-	0.11	0.03	-
Common Dividends Paid	-8.39	-8.31	-7.87	-7.5	-7.49
Financing Cash Flow	16.77	-17.16	-106.77	-30.09	227.97
Net Cash Flow	64.74	15.43	2.19	-180.62	-74.85
Free Cash Flow	19.78	18.6	20.59	21.56	15.3
Free Cash Flow Growth	6.34%	-9.68%	-4.50%	40.94%	20.84%
FCF Margin	46.30%	40.75%	39.62%	48.67%	43.93%
Free Cash Flow Per Share	1.15	1.08	1.20	1.26	0.90
Levered Free Cash Flow	7.64	-48.25	84.29	13	12.79
Unlevered Free Cash Flow	1.35	-1.04	2.49	-2.69	2.7

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q