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Cash Flow Overview

Free Cash flow
$33,672K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from fhlb borrowings
    • Net increase in deposits
    • Maturities, calls and principal ...
    • Others
Negative Cash Flow Breakdown
    • Repayment of fhlb borrowings
    • Net (increase) decrease in loans
    • Purchases
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income (loss)
41,668
37,822
39,518
40,976
Depreciation and amortization of premises and equipment
1,781
1,806
1,823
1,841
Provision for credit losses
8,300
5,200
2,300
5,500
Loss on bank owned life insurance policy exchange
-
-
-
327
Amortization of intangibles
2,845
2,845
3,196
3,196
Net accretion of loans
9,824
9,701
9,947
10,210
Accretion on bank premises
0
0
0
-24
Amortization on deposits
-100
-188
-356
-647
Amortization on borrowings, net
7
5
5
6
Net deferred income tax (benefit) expense
-
-
-2,772
-
Loss on bank owned life insurance policy exchange
0
0
327
-
Stock-based compensation expense
1,431
1,431
829
1,304
Gain on equity securities, net
-4
135
-846
1,674
Gain on sale of loans held-for-sale, net
1,590
427
631
859
Loans originated for resale
13,801
16,949
8,969
10,554
Proceeds from sale of loans held-for-sale
25,613
7,545
9,209
12,440
Net loss on disposition of fixed assets
-
-
-1,188
-87
Net loss on sale of other real estate owned
-
-
0
-
Increase in cash surrender value of bank owned life insurance
3,017
2,951
2,946
2,931
Accretion of discounts and amortization of premium on available-for-sale securities
700
224
265
425
Amortization of subordinated debentures issuance costs
186
186
186
177
Increase in accrued interest receivable
-912
1,712
131
-540
Net change in operating leases
-11
-243
-1,952
-150
Increase in other assets
18,745
3,502
-10,353
5,031
(decrease) increase in other liabilities
-692
-5,865
5,504
2,446
Net cash provided by operating activities
34,467
15,319
47,700
37,350
Purchases
56,227
45,336
49,775
61,402
Sales
0
-
0
0
Maturities, calls and principal repayments
76,655
89,552
58,786
54,724
Purchase of equity securities
375
0
0
712
Proceeds from equity securities sold
0
0
0
1,960
Net redemptions of restricted investment in bank stocks
-4,868
-3,258
3,206
2,268
Loans held-for-sale payments
-
-
0
-
Net (increase) decrease in loans
144,608
279,271
144,191
134,072
Proceeds from sale of other real estate owned
-
-
0
-
Proceeds from bank owned life insurance
0
0
0
0
Purchases of premises and equipment
795
1,286
1,602
3,456
Proceeds from disposition of fixed assets
-
-
0
-
Cash acquired, net of cash consideration paid in acquisition
0
-
-8
0
Net cash (used in) provided by investing activities
-120,482
-233,083
-139,980
-145,226
Net increase in deposits
227,210
272,250
-129,036
90,161
Proceeds from issuance of subordinated debt
0
-
0
0
Payment of subordinated debt issuance costs
0
-
0
75,000
Payment of subordinated debt issuance costs
-
-
-1
0
Proceeds from fhlb borrowings
649,000
698,003
176,000
50,000
Repayment of fhlb borrowings
761,068
774,020
105,959
422
Cash dividends on preferred stock
1,509
1,509
1,509
1,509
Cash dividends paid on common stock
9,813
9,056
9,056
9,055
Repurchase of treasury stock
0
2,391
0
0
Proceeds from exercise of stock options
-
-
0
-
Share redemption for tax withholdings on performance units, deferred stock units earned and restricted stock units
0
1,937
0
98
Net cash provided by financing activities
103,820
181,340
-69,559
54,077
Net change in cash and cash equivalents
17,805
-36,424
-161,839
-53,799
Cash and cash equivalents at beginning of period
344,471
380,895
542,734
356,488
Cash and cash equivalents at end of period
362,276
344,471
380,895
542,734
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

Proceeds from fhlbborrowings$649,000K (-12.30%↓ Y/Y)Net income (loss)$41,668K (81801.96%↑ Y/Y)Net increase indeposits$227,210K (9.77%↑ Y/Y)Proceeds from sale ofloans held-for-sale$25,613K (132.28%↑ Y/Y)Provision for creditlosses$8,300K (-78.83%↓ Y/Y)Amortization of intangibles$2,845K (85.95%↑ Y/Y)Depreciation andamortization of premises and...$1,781K (-26.50%↓ Y/Y)Stock-based compensationexpense$1,431K (-43.10%↓ Y/Y)Increase in accruedinterest receivable-$912K (-152.53%↓ Y/Y)Amortization of subordinateddebentures issuance costs$186K (-34.04%↓ Y/Y)Amortization on deposits-$100K (57.08%↑ Y/Y)Amortization on borrowings,net$7K (-36.36%↓ Y/Y)Gain on equitysecurities, net-$4K (-100.46%↓ Y/Y)Net cash provided byfinancing activities$103,820K (-13.23%↓ Y/Y)Net cash provided byoperating activities$34,467K (61.45%↑ Y/Y)Canceled cashflow$772,390K Canceled cashflow$48,380K Net change in cashand cash...$17,805K (-92.58%↓ Y/Y)Canceled cashflow$120,482K Repayment of fhlbborrowings$761,068K (-24.24%↓ Y/Y)Cash dividends paidon common stock$9,813K (-29.12%↓ Y/Y)Cash dividends onpreferred stock$1,509K (-50.00%↓ Y/Y)Maturities, calls andprincipal repayments$76,655K (58.84%↑ Y/Y)Net redemptions ofrestricted investment in...-$4,868K (68.55%↑ Y/Y)Increase in other assets$18,745K (17.52%↑ Y/Y)Loans originated forresale$13,801K (27.81%↑ Y/Y)Net accretion ofloans$9,824K (162.32%↑ Y/Y)Increase in cashsurrender value of bank...$3,017K (-17.82%↓ Y/Y)Gain on sale of loansheld-for-sale, net$1,590K (209.94%↑ Y/Y)Accretion of discounts andamortization of premium on...$700K (1150.00%↑ Y/Y)(decrease) increase inother liabilities-$692K (-532.50%↓ Y/Y)Net change inoperating leases-$11K (-101.04%↓ Y/Y)Net cash (used in)provided by investing...-$120,482K (-221.64%↓ Y/Y)Canceled cashflow$81,523K Net (increase)decrease in loans$144,608K (551.46%↑ Y/Y)Purchases$56,227K (-82.98%↓ Y/Y)Purchases of premises andequipment$795K (140.18%↑ Y/Y)Purchase of equitysecurities$375K (-66.31%↓ Y/Y)

ConnectOne Bancorp, Inc. (CNOBP)

ConnectOne Bancorp, Inc. (CNOBP)