For the quarter ending 2025-09-30, CBFV had -$8,616K decrease in cash & cash equivalents over the period. $4,517K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | -5,694 | 5,858 |
| Net accretion on securities | 87 | 78 |
| Depreciation and amortization | 455 | 894 |
| Loss on securities | - | -69 |
| Recovery/provision for credit losses-Loans | 337 | -68 |
| Recovery/provision for credit losses-Unfunded Loan Commitment | -78 | 36 |
| Net loss on sale of equity securities | -11,757 | - |
| Net unrealized loss (gain) recognized on equity securities | 5 | - |
| Gain on purchased tax credits | 4 | 7 |
| Income from bank-owned life insurance | 154 | 297 |
| Gain on bank-owned life insurance death benefit claims | 0 | 0 |
| Proceeds from mortgage loans sold | 1,373 | 3,856 |
| Originations of mortgage loans for sale | 918 | 3,822 |
| Net gain on sale of loans | 50 | 49 |
| Loss on sale of other real estate owned and repossessed assets | 0 | 0 |
| Noncash expense for stock-based compensation | 194 | 416 |
| Increase in accrued interest receivable | 520 | 233 |
| Net gain on disposal of premises and equipment | 0 | 0 |
| Increase in deferred income tax | -2,665 | -843 |
| Decrease in taxes payable | -1,228 | 780 |
| (decrease) increase in accrued interest payable | 252 | -779 |
| Other, net | 3,674 | -740 |
| Net cash provided by operating activities | 4,621 | 8,159 |
| Proceeds from principal repayments and maturities | 8,924 | 19,659 |
| Purchases of securities | 126,699 | 22,637 |
| Proceeds from sale of debt securities | 116,153 | 1,680 |
| Proceeds from sale of equity securities | 1,680 | - |
| Net (increase) decrease in loans | 37,475 | 8,968 |
| Purchase of premises and equipment | 104 | 358 |
| Proceeds from disposal of premises and equipment | 0 | 0 |
| Proceeds from a claim on bank-owned life insurance | 0 | 0 |
| Investment in low income housing tax credit | 0 | 354 |
| Proceeds from sale of other real estate owned | 0 | 0 |
| Purchase of restricted equity securities | 4,880 | - |
| Decrease in restricted equity securities | - | -47 |
| Redemption of restricted equity securities | 4,928 | - |
| Net cash used in investing activities | -37,520 | -10,931 |
| Net increase in deposits | 24,988 | 25,915 |
| Principal payments on other borrowed funds | 0 | 20,000 |
| Proceeds from other borrowed funds | 0 | 20,000 |
| Cash dividends paid | 1,296 | 2,536 |
| Treasury stock, purchases at cost | 7 | 6,819 |
| Exercise of stock options | 598 | 1,146 |
| Net cash provided by financing activities | 24,283 | 17,706 |
| Increase in cash and due from banks | -8,616 | 14,934 |
| Cash and cash equivalents at beginning of period | 49,572 | - |
| Cash and cash equivalents at end of period | 55,890 | - |
CB Financial Services, Inc. (CBFV)
CB Financial Services, Inc. (CBFV)