For the quarter ending 2025-09-30, BVFL had $7,223K increase in cash & cash equivalents over the period. $8,424K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 3,730 | 4,960 |
| Net accretion of discounts and premiums | -431 | 315 |
| Recovery of credit losses | -1,014 | 475 |
| Amortization of deferred loan fees/costs | -9 | 59 |
| Amortization of intangible assets | 45 | 90 |
| Amortization of debt issuance costs | 39 | 78 |
| Depreciation of premises and equipment | 206 | 398 |
| Deferred tax (benefit) expense | -16 | -512 |
| Increase in cash surrender value of life insurance | 88 | 201 |
| Stock-based compensation expense | 1,046 | 2,437 |
| Proceeds received on foreclosed real estate | - | 2 |
| Esop compensation expense | 46 | 91 |
| Decrease in accrued interest and other assets | -350 | -228 |
| Increase (decrease) in other liabilities | 3,655 | -524 |
| Net cash provided by operating activities | 8,437 | 7,148 |
| Increase in equity trading account | 29 | -15 |
| Proceeds from maturities and principal payments of investment securities available for sale | 7,561 | 9,683 |
| Purchases of investment securities available for sale | 6,775 | 7,225 |
| Proceeds from maturities and principal payments of investment securities held to maturity | 48 | 148 |
| (increase) decrease in loans | 5,454 | -13,495 |
| Purchase of premises and equipment | 13 | 356 |
| Proceeds from sale of federal home loan bank of atlanta stock | 0 | 1,014 |
| Purchase of federal home loan bank of atlanta stock | 0 | 304 |
| Net cash (used in) provided by investing activities | 6,246 | -10,520 |
| Increase in official checks | 3,250 | -639 |
| Net increase in deposits | 4,899 | 7,400 |
| Decrease in advance payments by borrowers for taxes and insurance | -2,852 | 2,699 |
| Advances from the federal home loan bank of atlanta | 0 | 6,000 |
| Repayment of advances from the federal home loan bank of atlanta | 0 | 21,000 |
| Repurchase of shares | 12,757 | 5,265 |
| Net cash (used in) provided by financing activities | -7,460 | -10,805 |
| Net (decrease) and increase in cash and cash equivalents | 7,223 | -14,177 |
| Cash and cash equivalents at beginning of period | 70,500 | - |
| Cash and cash equivalents at end of period | 63,546 | - |
BV Financial, Inc. (BVFL)
BV Financial, Inc. (BVFL)