For the year ending 2025-12-31, BHRB had $153,813K increase in cash & cash equivalents over the period. $96,228K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 117,306 |
| Depreciation and amortization of fixed assets | 6,941 |
| Amortization of other intangible assets | 15,775 |
| Amortization on assumed liabilities | 6,702 |
| Accretion income related to acquired loans | -39,819 |
| Amortization of housing tax credits | 6,984 |
| Realized (gain) loss on sales of available-for-sale securities | 147 |
| Realized (gain) on sales of oreo property | -2 |
| Write-down on oreo property | 195 |
| Provision for (recapture of) credit losses | 1,523 |
| Income from company-owned life insurance | 8,130 |
| Deferred tax expense (benefit) | 13,272 |
| (gain) loss on disposal of fixed assets | -225 |
| Accretion of securities | 4,594 |
| Amortization of securities | 9,761 |
| Share-based compensation expense | 4,777 |
| Repayment of operating lease liabilities | -2,541 |
| (gain) on loans held-for-sale | 297 |
| Proceeds from sales of loans held-for-sale | 23,003 |
| Change in fair value of loans held-for-sale | 0 |
| Originations of loans held-for-sale | 20,740 |
| (increase) decrease in accrued interest receivable | 988 |
| (increase) decrease in other assets | 58,017 |
| Increase in accrued interest payable and other liabilities | 36,740 |
| Net cash flows provided by operating activities | 107,933 |
| Proceeds from maturities, prepayments, and calls of securities available-for-sale, net | 209,584 |
| Proceeds from sales of securities available-for-sale, net | 22,083 |
| Purchases of securities available-for-sale, net | 374,915 |
| Net cash from merger | 0 |
| Sales of restricted stock | 29,071 |
| Purchases of restricted stock | 37,699 |
| Proceeds from sales of oreo properties | 156 |
| Proceeds from sales of property and equipment | 0 |
| Purchases of property and equipment, net of disposals | 11,705 |
| (purchases) proceeds from company-owned life insurance | 22,236 |
| (increase) decrease in loans made to customers, net | -322,381 |
| Net cash flows provided by (used in) investing activities | 136,720 |
| Net increase (decrease) in non-interest-bearing accounts | -43,560 |
| Net increase (decrease) in interest-bearing accounts | -68,835 |
| Increase (decrease) in other short-term borrowings | 85,000 |
| Repayment of subordinated debt | 30,000 |
| Repayment of finance lease liabilities | 236 |
| Proceeds from employee stock purchase program | 679 |
| Cash dividends paid | 33,918 |
| Issuance of common stock | 30 |
| Treasury stock transactions | 0 |
| Net cash flows provided by (used in) financing activities | -90,840 |
| (decrease) increase in cash and cash equivalents | 153,813 |
| Beginning of year | 135,314 |
| End of year | 289,127 |
Burke & Herbert Financial Services Corp. (BHRB)
Burke & Herbert Financial Services Corp. (BHRB)