First Bank (FRBA) Cash Flow: Operating & Free Cash Flow

First Bank (FRBA) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), First Bank generated $65.56M of operating cash flow and spent $2.90M on capital expenditures. That left free cash flow of $62.66M, up 153.5% from $24.72M a year earlier, or 42.6% of revenue. It returned $14.47M to shareholders through $5.98M in dividends and $8.49M in share buybacks.

First Bank Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for First Bank (FRBA) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	43.66	42.24	20.90	36.29	35.43	19.45	13.45	17.59	6.99
Depreciation & Amortization	4.21	4.32	2.85	1.56	1.58	1.91	1.69	1.40	0.71
Deferred Income Tax	2.18	5.27	0.32	0.36	0.66	-1.27	1.83	0.00	0.00
Stock Based Compensation	2.06	2.05	1.62	1.22	1.00	1.03	0.93	0.79	0.43
Change in Working Capital	15.11	-11.96	-7.29	0.87	3.74	-1.84	-2.02	-0.07	1.52
Change in Accounts Receivable	-0.12	0.50	-2.71	-2.48	1.14	-2.00	-0.03	-0.04	-0.74
Change in Accounts Payable	0.94	1.01	-0.83	0.82	-0.16	-0.52	-0.08	0.02	0.14
Change in Other Working Capital	-9.86	-13.47	-3.75	2.53	2.77	0.67	-1.92	-0.05	2.12
Other Operating Activities	-9.86	-14.30	125.44	-3.41	-14.37	5.23	0.18	17.21	6.87
Net Cash from Operating Activities	65.56	27.63	143.84	36.88	28.04	24.51	16.05	36.92	16.53
Investing Activities
Capital Expenditures	-2.90	-2.91	-3.12	-1.91	-0.19	-0.36	-1.03	-1.79	-0.43
Acquisitions	0.00	0.00	-16.25	0.00	86.49	0.00	30.78	8.04	11.76
Purchases of Investments	-65.87	-53.34	-63.47	-53.78	-75.87	-42.18	-10.89	-5.15	-25.83
Sales/Maturities of Investments	28.81	46.83	132.27	20.42	36.55	37.39	23.62	37.84	10.54
Other Investing Activities	-115.15	-97.78	-29.10	-197.80	-39.95	-322.04	-118.91	-179.61	-163.92
Net Cash from Investing Activities	-155.11	-107.20	20.33	-233.08	7.04	-327.18	-76.42	-140.67	-167.88
Financing Activities
Debt Repayment	-435.20	42.86	-52.58	-4.35	-79.30	63.10	12.13	-1.46	10.31
Common Stock Issued	1.05	0.00	0.00	0.00	0.00	0.00	0.11	0.74	37.48
Common Stock Repurchased	-8.49	-1.34	-5.54	-3.52	-4.14	-8.18	-0.11	0.00	0.00
Dividends Paid	-5.98	-6.03	-5.32	-4.68	-2.94	-2.38	-2.30	-2.20	-1.11
Other Financing Activities	146.16	88.05	1.30	180.16	110.33	263.82	76.91	118.72	117.76
Net Cash from Financing Activities	126.85	123.54	-62.13	167.60	23.96	316.36	86.73	115.80	164.44
Summary
Net Change in Cash	37.31	43.96	102.04	-28.59	59.03	13.68	26.36	12.05	13.09
Cash at Beginning of Period	271.91	227.95	125.92	154.51	95.47	81.79	55.43	43.38	30.29
Cash at End of Period	309.22	271.91	227.95	125.92	154.51	95.47	81.79	55.43	43.38
Free Cash Flow	62.66	24.72	140.72	34.97	27.85	24.15	15.03	35.13	16.10
Supplemental Disclosures
Interest Paid	97.32	97.64	69.51	11.04	9.36	-	-	-	-
Income Taxes Paid	6.24	4.70	7.84	10.72	11.56	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About First Bank Cash Flow

What is First Bank's free cash flow?

First Bank generated free cash flow of $62.66M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $65.56M minus $2.90M of capital expenditures. That was up 153.5% from $24.72M a year earlier. Free cash flow equaled 42.6% of revenue.

How much does First Bank spend on capital expenditures?

First Bank spent $2.90M on capital expenditures in fiscal 2025, compared with $2.91M a year earlier. That equals 4.4% of operating cash flow.

Does First Bank pay dividends or buy back shares?

Yes. In fiscal 2025 First Bank returned $5.98M in dividends and $8.49M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition