For the quarter ending 2025-09-30, BFC had $5,856K increase in cash & cash equivalents over the period. $12,474K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 17,990 | 35,116 |
| Loans | 250 | - |
| Unfunded commitments | 400 | - |
| Provision for credit losses | 650 | 600 |
| Depreciation and amortization of premises and equipment | 613 | 1,182 |
| Amortization of intangibles | 1,228 | 2,571 |
| Net accretion of securities | 694 | 2,092 |
| Amortization of stock-based compensation | 551 | 1,035 |
| Accretion of purchase accounting valuations | -702 | -1,657 |
| Net change in deferred loan fees and costs | -45 | 362 |
| Change in fair value of msr and other investments | 579 | 660 |
| Loss from sale and disposal of premises and equipment | -4 | -32 |
| Net gain on sale of oreo and valuation allowance | 0 | 159 |
| Proceeds from sales of mortgage loans | 45,811 | 60,082 |
| Originations of mortgage loans held for sale | 44,237 | 61,590 |
| Gain on sales of mortgage loans | 482 | 672 |
| Undistributed income of ansay joint venture | 1,314 | 2,334 |
| Net earnings on life insurance | 443 | 688 |
| Decrease (increase) in other assets | -1,236 | 1,210 |
| Decrease in other liabilities | -4,226 | -11,172 |
| Net cash provided by operating activities | 15,451 | 18,022 |
| Activity in securities available for sale and held to maturity maturities, prepayments, and calls | 10,853 | 263,608 |
| Activity in securities available for sale and held to maturity purchases | 5,016 | 202,752 |
| Net increase in loans | 48,644 | 61,919 |
| Dividends received from ansay | 634 | 1,268 |
| Proceeds from sale of oreo | 0 | 900 |
| Net purchase of federal home loan bank ('fhlb') stock | 3,411 | - |
| Proceeds from life insurance | 0 | 1,899 |
| Proceeds from sale of premises and equipment | 0 | 1 |
| Purchases of premises and equipment | 2,977 | 5,774 |
| Net cash used in investing activities | -48,561 | -2,769 |
| Net increase (decrease) in deposits | -56,683 | -65,658 |
| Proceeds from advances of notes payable | 100,000 | - |
| Repayment of notes payable | 0 | 25,508 |
| Dividends paid | 4,425 | 43,639 |
| Proceeds from sales of common stock | 74 | 591 |
| Repurchase of common stock | 0 | 22,043 |
| Net cash (used in) provided by financing activities | 38,966 | -156,257 |
| Net decrease in cash and cash equivalents | 5,856 | -141,004 |
| Cash and cash equivalents at beginning of period | 261,332 | - |
| Cash and cash equivalents at end of period | 126,184 | - |
Bank First Corp (BFC)
Bank First Corp (BFC)