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Cash Flow Overview

Change in Cash
-$5,675K
Free Cash flow
$4,323K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Decrease (increase) in loans
    • Proceeds from maturities and pri...
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Repayment of advances from the f...
    • Purchases of investment securiti...
    • Repurchase of shares
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Net income
3,462
-7,599
3,730
4,960
Net amortization (accretion) of discounts and premiums
-36
126
-431
315
Amortization of debt issuance costs
-
-
39
78
(recovery) provision of credit losses
-216
528
-1,014
475
Accretion of deferred loan fees/costs
-66
13
-9
59
Amortization of intangible assets
45
-90
45
90
Depreciation of premises and equipment
194
-411
206
398
Deferred tax expense (benefit)
-150
701
-16
-512
Increase in cash surrender value of life insurance
116
-203
88
201
Stock-based compensation expense
699
-2,792
1,046
2,437
Proceeds received on foreclosed real estate
-
-
-
2
Esop compensation expense
50
-88
46
91
Decrease in accrued interest and other assets
-190
309
-350
-228
Increase in other liabilities
173
-1,785
3,655
-524
Net cash provided by operating activities
4,433
-11,898
8,437
7,148
(increase) decrease in equity trading account
-1
-12
29
-15
Purchase of federal home loan bank of atlanta stock
-
-
0
304
Proceeds from maturities and principal payments of investment securities available for sale
6,370
-10,947
7,561
9,683
Purchases of investment securities available for sale
5,750
-8,000
6,775
7,225
Proceeds from maturities and principal payments of investment securities held to maturity
44
-150
48
148
Decrease (increase) in loans
24,933
27,435
5,454
-13,495
Purchase of premises and equipment
110
-362
13
356
Proceeds from sale of federal home loan bank of atlanta stock
649
-
0
1,014
Net cash provided by (used in) investing activities
27,151
24,002
6,246
-10,520
Increase in official checks
-
-
3,250
-639
Net (decrease) increase in deposits
2,377
-14,880
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
14,000
-
0
21,000
Repurchase of shares
4,636
-16,060
12,757
5,265
Net cash used in financing activities
-37,259
13,722
-7,460
-10,805
Net increase in cash and cash equivalents
-5,675
25,826
7,223
-14,177
Cash and cash equivalents at beginning of period
63,546
63,546
70,500
-
Cash and cash equivalents at end of period
68,902
74,577
63,546
-
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) inloans$24,933K (284.76%↑ Y/Y)Proceeds from maturitiesand principal...$6,370K (-34.21%↓ Y/Y)Net income$3,462K (-30.20%↓ Y/Y)Stock-based compensationexpense$699K (-71.32%↓ Y/Y)Depreciation of premises andequipment$194K (-51.26%↓ Y/Y)Decrease in accruedinterest and other assets-$190K (16.67%↑ Y/Y)Proceeds from sale offederal home loan bank of...$649K (-36.00%↓ Y/Y)Proceeds from maturitiesand principal...$44K (-70.27%↓ Y/Y)(increase) decrease inequity trading account-$1K (93.33%↑ Y/Y)Increase in otherliabilities$173K (133.02%↑ Y/Y)Accretion of deferred loanfees/costs-$66K (-211.86%↓ Y/Y)Esop compensationexpense$50K (-45.05%↓ Y/Y)Amortization of intangibleassets$45K (-50.00%↓ Y/Y)Net amortization(accretion) of discounts and...-$36K (-111.43%↓ Y/Y)Net cash provided by(used in) investing...$27,151K (358.09%↑ Y/Y)Net cash provided byoperating activities$4,433K (-37.98%↓ Y/Y)Canceled cashflow$5,860K Canceled cashflow$482K Net increase in cashand cash...-$5,675K (59.97%↑ Y/Y)Canceled cashflow$31,584K Net (decrease)increase in deposits$2,377K (-67.88%↓ Y/Y)Purchases of investmentsecurities available for...$5,750K (-20.42%↓ Y/Y)Purchase of premises andequipment$110K (-69.10%↓ Y/Y)(recovery) provision ofcredit losses-$216K (-145.47%↓ Y/Y)Deferred tax expense(benefit)-$150K (70.70%↑ Y/Y)Increase in cashsurrender value of life...$116K (-42.29%↓ Y/Y)Net cash used infinancing activities-$37,259K (-244.83%↓ Y/Y)Canceled cashflow$2,377K something is missing-$21,000K Repayment of advances fromthe federal home...$14,000K (-33.33%↓ Y/Y)Repurchase of shares$4,636K (-11.95%↓ Y/Y)

BV Financial, Inc. (BVFL)

BV Financial, Inc. (BVFL)