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Cash Flow Overview

Change in Cash
-$9,229K
Free Cash flow
-$5,184K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sales of loans hel...
    • Net increase in deposits
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Originations of loans held-for-s...
    • Payments on long-term fhlb and o...
    • Accrued expenses and other liabi...
    • Others
Cash Flow
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Net income
3,984
4,729
3,630
6,476
Provision for credit losses
279
39
62
1,080
Depreciation
1,260
1,360
1,327
2,633
Net amortization of investment securities premiums and discounts
-190
-182
-175
-351
Amortization of mortgage servicing rights
620
595
460
882
Amortization of right-of-use assets
99
121
120
239
Amortization of core deposit intangibles
271
288
288
618
Compensation expense related to restricted stock awards
195
163
181
345
Esop compensation expense for allocated shares
127
105
102
197
Deferred income tax expense (benefit)
-
-574
-
-
Net gain on sale of loans
1,678
2,062
2,229
3,432
Originations of loans held-for-sale
69,255
61,949
64,611
98,554
Proceeds from sales of loans held-for-sale
67,995
66,416
69,656
101,077
Net loss on sale of real estate owned and other repossessed assets
-12
-10
-
-
Net gain on insurance proceeds related to premises and equipment
484
-
-
-
Net gain on sale/disposal of premises and equipment
16
153
0
-
Net realized loss on sales of available-for-sale securities
-
0
-
-
Net appreciation in cash surrender value of life insurance
362
437
366
708
Accrued interest and dividends receivable
-835
-2,455
2,229
1,784
Other assets
-180
-1,717
-108
-928
Accrued expenses and other liabilities
-8,975
7,534
2,283
-6,717
Net cash (used in) provided by operating activities
-4,723
20,539
8,957
3,631
Proceeds from sale of premises and equipment
-
125
0
0
Purchase of bank owned life insurance
-
0
0
-
Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans
-
0
0
40
Sales
-
0
-
-
Maturities, principal payments and calls
3,888
4,760
9,017
13,340
Purchases
0
4,020
0
3,023
Fhlb stock (purchased) redeemed
84
-2,550
-1,800
-778
Loan origination and principal collection, net
300
-38,641
-11,819
49,157
Insurance proceeds related to premises and equipment
484
76
0
-
Purchases of premises and equipment, net
461
934
1,867
1,981
Net cash provided by (used in) investing activities
3,527
41,198
20,769
-40,003
Net increase in deposits
4,477
29,420
14,254
56,697
Net short-term payments on fhlb and other borrowings
-105
-54,895
1,010
20,977
Advances on long-term fhlb and other borrowings
0
15,000
0
20,000
Payments on long-term fhlb and other borrowings
11,250
1,250
41,250
62,500
Repayment of subordinated debentures
-
15,000
-
-
Purchase of treasury stock
0
410
0
1,163
Dividends paid
1,155
1,155
1,153
2,270
Net cash used in financing activities
-8,033
-28,290
-27,139
31,741
Net increase in cash and cash equivalents
-
33,447
2,587
-4,631
Net decrease in cash and cash equivalents
-9,229
-
-
-
Cash and cash equivalents, beginning of period
62,962
29,515
31,559
-
Cash and cash equivalents, end of period
53,733
62,962
29,515
-
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

Maturities, principalpayments and calls$3,888K Insurance proceedsrelated to premises and...$484K Net cash provided by(used in) investing...$3,527K Canceled cashflow$845K Net decrease in cashand cash...-$9,229K Canceled cashflow$3,527K Net increase indeposits$4,477K Proceeds from sales ofloans held-for-sale$67,995K Net income$3,984K Depreciation$1,260K Accrued interest anddividends receivable-$835K Amortization of mortgageservicing rights$620K Provision for creditlosses$279K Amortization of core depositintangibles$271K Compensation expense relatedto restricted...$195K Net amortization ofinvestment securities...-$190K Other assets-$180K Esop compensationexpense for allocated...$127K Amortization of right-of-useassets$99K Net loss on sale ofreal estate owned and...-$12K Purchases of premises andequipment, net$461K Loan origination andprincipal collection, net$300K Fhlb stock(purchased) redeemed$84K Net cash used infinancing activities-$8,033K Net cash (used in)provided by operating...-$4,723K Canceled cashflow$4,477K Canceled cashflow$76,047K Payments on long-termfhlb and other...$11,250K Originations of loansheld-for-sale$69,255K Dividends paid$1,155K Net short-termpayments on fhlb and other...-$105K Accrued expenses andother liabilities-$8,975K Net gain on sale ofloans$1,678K Net gain oninsurance proceeds...$484K Net appreciation incash surrender value...$362K Net gain onsale/disposal of premises and...$16K

Eagle Bancorp Montana, Inc. (EBMT)

Eagle Bancorp Montana, Inc. (EBMT)