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Avidia Bancorp, Inc. (AVBC)

Avidia Bancorp, Inc. (AVBC)

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Cash Flow Overview

Free Cash flow
$9,184K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net change in loans
    • Available For Sale
    • Decrease (increase) in income ta...
    • Others
Negative Cash Flow Breakdown
    • Available For Sale Securities De...
    • Net change in short-term federal...
    • Repayment of long-term federal h...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Net income (loss)
7,169
14,618
-907
-7,715
Depreciation and amortization of premises and equipment
665
-1,233
633
1,276
Credit loss expense - loans
745
-19,449
1,480
18,828
Credit loss expense (benefit) - off-balance sheet credit exposures
146
312
59
-141
Net write down on premises and equipment no longer in use
-
-
-5
356
Net loss on sale of securities available for sale
-
-
0
-619
Deferred income tax benefit
-2,149
-
-
-
Gain on sale of loans
29
-120
71
79
(gain) loss on premises and equipment
0
3
-
-
Net amortization of securities
304
-7
125
100
Proceeds from sale of loans
1,157
-2,480
1,691
1,916
Loans originated for sale
940
-3,466
3,364
987
Amortization of right of use assets
116
-232
115
233
Amortization of subordinated debt issuance costs
25
-62
40
59
Increase in cash surrender value of bank-owned life insurance
380
-578
279
568
Decrease (increase) in income tax receivable
-9,374
-
1,148
5,728
Net change in accrued interest receivable
17
902
-781
25
Esop expense
371
-278
637
-
Issuance of common shares donated to the avidia bank charitable foundation
-
-
9,000
-
Other, net
-1,017
2,550
-15,589
12,512
Net cash provided (used) by operating activities
10,090
-11,182
24,126
-4,568
Available For Sale
10,519
-34,096
11,375
38,529
Available For Sale Securities Debt
30,466
-348
11,970
32,103
Held To Maturity
2,500
-
1,000
-
Held To Maturity Securities
3,000
-
-
-
Redemption of federal home loan bank stock
2,993
-6,241
773
7,452
Purchases of federal home loan bank stock
-4,000
-
421
4,806
Net change in loans
-24,503
-13,888
-
-
Loan originations, net of principal payments
-
-
27,292
67,172
Purchases of bank owned life insurance
0
10,000
-
-
Proceeds from sale of premises and equipment
0
-94
-44
156
Purchases of premises and equipment
906
-2,839
871
2,620
Net cash used by investing activities
5,916
65,335
-27,450
-60,564
Net change in deposits
7,448
5,221
-363,740
376,396
Net proceeds from stock offering and issuance of common shares
-
-
186,195
-
Net change in mortgagors' escrow accounts
-
-
212
-122
Purchase of common shares by the esop
-
-
16,061
-
Net change in short-term federal home loan bank advances
-25,000
-10,000
0
-15,000
Repayment of long-term federal home loan bank advances
20,000
-20,000
0
50,000
Cash dividends declared and paid on common stock
1,004
1,004
-
-
Net cash (used) provided by financing activities
-38,556
-156,007
-193,394
311,274
Net change in cash and cash equivalents
-22,550
-101,854
-196,718
246,142
Cash and due from banks at beginning of year
111,868
111,868
62,444
-
Cash and due from banks at end of year
70,474
93,024
111,868
-
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

Decrease (increase) inincome tax receivable-$9,374K (-263.65%↓ Y/Y)Net income (loss)$7,169K (192.92%↑ Y/Y)Net change in loans-$24,503K Proceeds from sale ofloans$1,157K (-39.61%↓ Y/Y)Other, net-$1,017K (-108.13%↓ Y/Y)Credit loss expense -loans$745K (-96.04%↓ Y/Y)Depreciation andamortization of premises and...$665K (-47.88%↓ Y/Y)Esop expense$371K Credit loss expense(benefit) - off-balance...$146K (203.55%↑ Y/Y)Amortization of right of useassets$116K (-50.21%↓ Y/Y)Amortization of subordinateddebt issuance costs$25K (-57.63%↓ Y/Y)Available For Sale$10,519K (-72.70%↓ Y/Y)Purchases of federal homeloan bank stock-$4,000K (-183.23%↓ Y/Y)Redemption of federal homeloan bank stock$2,993K (-59.84%↓ Y/Y)Held To Maturity$2,500K Net cash provided(used) by operating...$10,090K (320.88%↑ Y/Y)Net cash used byinvesting activities$5,916K (109.77%↑ Y/Y)Canceled cashflow$10,695K Canceled cashflow$38,599K Net change in cashand cash...-$22,550K (-109.16%↓ Y/Y)Canceled cashflow$16,006K Net change indeposits$7,448K (-98.02%↓ Y/Y)something is missing-$6,876K Deferred income taxbenefit-$2,149K Loans originated forsale$940K (-4.76%↓ Y/Y)Increase in cashsurrender value of...$380K (-33.10%↓ Y/Y)Net amortization ofsecurities$304K (204.00%↑ Y/Y)Gain on sale of loans$29K (-63.29%↓ Y/Y)Net change inaccrued interest...$17K (-32.00%↓ Y/Y)Available For SaleSecurities Debt$30,466K (-5.10%↓ Y/Y)something is missing-$4,227K Held To MaturitySecurities$3,000K Purchases of premises andequipment$906K (-65.42%↓ Y/Y)Net cash (used)provided by financing...-$38,556K (-112.39%↓ Y/Y)Canceled cashflow$7,448K Net change inshort-term federal home...-$25,000K (-66.67%↓ Y/Y)Repayment of long-termfederal home loan bank...$20,000K (-60.00%↓ Y/Y)Cash dividendsdeclared and paid on...$1,004K