VABK 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	17.86	16.97	19.26	23.44	10.07	7.98
Depreciation & Amortization	2.98	4.26	4.77	5.09	4.4	1.96
Provision for Credit Losses	-0.11	-0.6	0.73	0.11	1.01	1.62
Stock-Based Compensation	1.03	0.97	0.73	0.69	0.52	0.26
Other Adjustments	-3.36	-4.14	-10.78	-4.47	-1.91	-0.67
Changes in Accrued Interest and Accounts Receivable	-0.62	-1.36	0.05	-0.83	-2.61	-0.95
Changes in Other Operating Activities	0.1	-0.8	-0.86	-1.34	1.57	-0.95
Operating Cash Flow	18.17	15.29	13.9	22.69	13.07	9.25
Operating Cash Flow Growth	20.01%	9.97%	-38.71%	73.63%	41.20%	-1.00%
Net Change in Loans Held-for-Investment	-17.49	-140.03	-150.35	126.6	153.2	-70.25
Net Change in Securities and Investments	28.07	156.41	127.98	-293.82	-43.03	-59.45
Payments for Business Acquisitions	-	-	-	-	153.28	-
Capital Expenditures	-0.4	-0.73	-1.17	-0.55	-1.29	-0.2
Purchases of Intangible Assets	-	-	-	-	-	-0.05
Sale of Property, Plant & Equipment	4.57	0.1	2.36	6.31	0.03	-
Other Investing Activities	-	-	1.41	-5.75	-	-
Investing Cash Flow	13.23	15.75	-19.77	-167.2	262.19	-129.95
Net Change in Deposits	4.99	14.45	-69.25	-317.82	247.85	109.55
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-3.11	-3.23	3.46	-	-	-
Long-Term Debt Issued	-21.91	-45.91	66.5	-	-42.58	30
Net Long-Term Debt Issued (Repaid)	-21.91	-45.91	66.5	-	-42.58	30
Issuance of Common Stock	-	-	0.02	0.02	0.03	-
Repurchase of Common Stock	-	-0.56	-7.07	-	-	-
Net Common Stock Issued (Repurchased)	-	-0.56	-7.06	0.02	0.03	-
Common Dividends Paid	-7.43	-7.09	-7.07	-6.39	-6.41	-3.25
Other Financing Activities	-	-	0.46	-	-	-
Financing Cash Flow	-27.47	-42.33	-5.88	-324.19	198.89	136.31
Net Cash Flow	3.93	-11.29	-11.75	-468.7	474.15	15.61
Free Cash Flow	17.77	14.56	12.73	22.14	11.77	9.05
Free Cash Flow Growth	22.04%	14.32%	-42.49%	88.06%	30.02%	-1.13%
FCF Margin	31.06%	26.68%	22.21%	32.99%	21.62%	31.41%
Free Cash Flow Per Share	3.28	2.70	2.37	4.14	2.51	3.34
Levered Free Cash Flow	-1.98	-27.58	88.55	25.81	-30.44	37.84
Unlevered Free Cash Flow	2.06	1.37	2.79	2.38	2.08	-0.14

Updated Nov 12, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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