FFIN: the cash flow

MyFinsight

For the year ending 2025-12-31, FFIN had $314,575K increase in cash & cash equivalents over the period. $286,006K in free cash flow.

Cash Flow	2025-12-31
Net earnings	253,579
Depreciation and amortization	13,650
Provision for credit losses	28,609
Securities premium amortization, net	-38,048
(gain) loss on sale of securities and other assets, net	37
Stock-based compensation	6,919
Net tax benefit from stock-based compensation	-493
Deferred federal income tax benefit	-548
Change in loans held-for-sale	21,137
Change in other assets	21,673
Change in other liabilities	1,542
Total adjustments	45,866
Net cash provided by operating activities	299,445
Sales	0
Maturities	8,115,089
Purchases	8,853,967
Net increase in loans held-for-investment	266,979
Purchases of bank premises and equipment	13,439
Proceeds from sale of bank premises and equipment and other assets	3,074
Net cash provided by (used in) investing activities	-1,016,222
Net increase (decrease) in noninterest-bearing deposits	53,016
Net increase in interest-bearing deposits	1,193,339
Net increase (decrease) in repurchase agreements and borrowings	-112,383
Proceeds from stock option exercises/stock unit conversions/restricted stock activity	3,377
Dividends paid	105,997
Repurchase of stock	0
Net cash provided by (used in) financing activities	1,031,352
Net increase in cash and cash equivalents	314,575
Cash and cash equivalents, beginning of year	763,413
Cash and cash equivalents, end of year	1,077,988

Unit: Thousand (K) dollars (except for numbers of shares and EPS).