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Cash Flow Overview

Free Cash flow
-$4,692K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net change in loans
    • Common stock repurchase
    • Increase in cash surrender value...
    • Others
Negative Cash Flow Breakdown
    • Net change in deposits
    • Net income
    • Esop expense
    • Others
Cash Flow
2026-03-31
2025-09-30
2025-06-30
Net income
-3,917
2,218
3,983
Depreciation, (accretion) and amortization
-410
228
373
Stock-based compensation expense
-516
174
549
Deferred income tax expense
60
-
-
Provision for credit losses
-179
12
67
Esop expense
-846
331
632
Increase in cash surrender value of bank owned life insurance
-477
105
203
Accrued interest receivable and other assets
-186
-700
714
Accrued interest payable and other liabilities
169
129
1,005
Net cash provided by operating activities
-4,976
3,687
5,692
Purchases of investment securities available-for-sale
-
3,631
3,915
Proceeds from paydowns of investment securities held-to-maturity
-
5,114
3,033
Purchases of premises and equipment
-284
69
260
Proceeds from paydowns of investment securities available-for-sale
217
422
646
Purchases of other investments
-59
11
68
Net change in loans
-6,315
-1,573
17,039
Purchase of bank owned life insurance
287
-
-
Net cash used in investing activities
5,987
3,398
-17,603
Repayment of other borrowings
-
0
4,815
Dividends paid to shareholders
-
0
8,801
Net change in deposits
-26,563
-9,962
75,857
Exercise of stock options
-
0
59
Common stock repurchase
-4,077
1,944
2,148
Proceeds from fhlb advances
0
0
10,000
Repayment of fhlb advances
0
0
10,000
Net cash provided by financing activities
-8,929
-11,906
60,152
Net change in cash and cash equivalents
-7,918
-4,821
48,241
Cash and cash equivalents at beginning of period
84,845
41,425
-
Cash and cash equivalents at end of period
89,352
84,845
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net change in loans-$6,315K Purchases of premises andequipment-$284K Proceeds from paydowns ofinvestment securities...$217K Purchases of otherinvestments-$59K Net cash used ininvesting activities$5,987K Canceled cashflow$888K Net change in cashand cash...-$7,918K Canceled cashflow$5,987K something is missing$13,557K Common stockrepurchase-$4,077K Increase in cashsurrender value of bank...-$477K Accrued interestreceivable and other assets-$186K Accrued interestpayable and other...$169K Deferred income taxexpense$60K something is missing-$601K Purchase of bank ownedlife insurance$287K Net cash provided byfinancing activities-$8,929K Canceled cashflow$17,634K Net cash provided byoperating activities-$4,976K Canceled cashflow$892K Net change indeposits-$26,563K Net income-$3,917K Esop expense-$846K Stock-based compensationexpense-$516K Depreciation, (accretion) andamortization-$410K Provision for creditlosses-$179K

Affinity Bancshares, Inc. (AFBI)

Affinity Bancshares, Inc. (AFBI)