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Cash Flow Overview

Change in Cash
-$45,775K
Free Cash flow
-$12,805K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sale of loans held...
    • Proceeds from sale of other asse...
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Net (increase) decrease in loans
    • Origination of loans held for sa...
    • (increase) in other assets
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
4,981
3,740
4,334
5,584
Depreciation
215
204
198
193
Amortization of other assets
177
251
-284
79
Origination of loans held for sale
28,991
24,588
24,574
27,803
Proceeds from sale of loans held for sale
28,875
25,171
24,091
28,653
Net (gain) on sales of loans
646
1,012
830
1,012
Provision for credit losses on loans
-
-
-
1,131
Provision for credit losses
3,503
1,961
3,701
-
(gain) on the sale of portfolio loans
0
0
0
0
Loss on sale of other real estate owned
-
-
-51
-
Loss on the sale and disposal of premises and equipment
4
0
1
2
Sale Of Other
0
-39
-169
0
Loss on the sale of securities
0
0
0
0
Disposition Of Other Financial
3,486
-
-
-
Amortization of subordinated debt issuance costs
17
17
17
17
Stock-based compensation expense
387
413
299
304
(accretion) of premiums and discounts on debt securities and loans, net
-273
-242
-184
-213
Bank owned life insurance income
289
284
280
268
(gain) on bank-owed life insurance settlement
-
-
0
0
Deferred tax accrual
-
-
221
-
(increase) in other assets
18,392
-973
-3,226
1,475
(decrease) increase in other liabilities
1,395
-2,347
2,155
3,018
Net cash (used in) provided by operating activities
-12,523
4,296
9,178
8,210
Proceeds from maturities, calls, and principal payments of securities available for sale
2,987
13,302
2,898
12,865
Proceeds from the sale of securities available for sale
0
0
0
0
Purchases of securities available for sale
0
9,824
500
10,999
Proceeds from the sale of restricted investments
0
1,931
0
0
Purchases of restricted investments
0
20
0
0
Proceeds from bank-owned life insurance settlement
-
-
0
0
Purchases of bank premises and equipment
282
209
227
380
Proceeds from the sale of other real estate owned
-
-
254
-
Proceeds from the sale of bank premises and equipment
0
0
0
0
Proceeds from the sale of repossessed assets
0
96
1,041
0
Proceeds from sale of other assets
5,061
-
-
-
Changes in collateral posted with other financial institutions, net
-
-
0
-
Proceeds from the sale of portfolio loans
0
18,772
-
0
Net (increase) decrease in loans
43,067
-14,103
-18,772
-
Origination of loans, net of prinicpal collected
-
-
-14,090
-16,066
Funding of capital commitments related to other investments
0
0
0
0
Net cash (used in) provided by investing activities
-35,301
19,379
-10,624
-22,870
Net increase in noninterest bearing demand deposits, savings, and interest bearing demand deposits
371
22,713
-47,963
-94,287
Net (decrease) in time deposits
3,345
-31,854
275
-17,189
Net increase in federal funds purchased
-112
-
-
101
Repayments of short-term federal home loan bank advances
-
-
-
0
Net (decrease) increase in short-term federal home loan bank advances
-
-
25,000
-
Repayments of short-term federal home loan bank advances
0
-
-
-
Repayments of long-term federal home loan bank advances
0
-40,000
0
0
Advances of long-term federal home loan bank advances
-
-
-
0
Net proceeds from issuance of common stock in public offering
0
0
0
0
Repurchase and retirement of common stock
0
284
33
0
Cash dividends paid
1,678
1,677
1,667
1,666
Net cash (used in) provided by financing activities
2,049
-51,102
-49,489
-113,213
(decrease) increase in cash and cash equivalents
-45,775
-27,427
-50,935
-127,873
Beginning
189,767
217,194
268,129
193,159
Ending
143,992
189,767
217,194
268,129
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

Net (decrease) intime deposits$3,345K (112.82%↑ Y/Y)Net increase innoninterest bearing demand...$371K (-99.83%↓ Y/Y)Net increase infederal funds purchased-$112K (-165.12%↓ Y/Y)Net cash (used in)provided by financing...$2,049K (-98.73%↓ Y/Y)Canceled cashflow$1,678K (decrease) increase in cashand cash...-$45,775K (-122.57%↓ Y/Y)Canceled cashflow$2,049K Proceeds from sale ofother assets$5,061K Proceeds frommaturities, calls, and...$2,987K (-56.70%↓ Y/Y)Proceeds from sale ofloans held for sale$28,875K (-33.50%↓ Y/Y)Net income$4,981K (392.31%↑ Y/Y)Provision for creditlosses$3,503K (decrease) increase inother liabilities$1,395K (134.15%↑ Y/Y)Stock-based compensationexpense$387K (-36.87%↓ Y/Y)Depreciation$215K (-44.73%↓ Y/Y)Amortization of other assets$177K (-67.40%↓ Y/Y)Amortization of subordinateddebt issuance costs$17K (-48.48%↓ Y/Y)Loss on the sale anddisposal of premises and...$4K (-75.00%↓ Y/Y)Cash dividends paid$1,678K (-39.60%↓ Y/Y)Net cash (used in)provided by investing...-$35,301K (-208.52%↓ Y/Y)Net cash (used in)provided by operating...-$12,523K (-249.69%↓ Y/Y)Canceled cashflow$8,048K Canceled cashflow$39,554K Net (increase)decrease in loans$43,067K Origination of loans held forsale$28,991K (-31.82%↓ Y/Y)Purchases of bank premisesand equipment$282K (-64.71%↓ Y/Y)(increase) in other assets$18,392K (3312.24%↑ Y/Y)Disposition Of OtherFinancial$3,486K Net (gain) on salesof loans$646K (-57.72%↓ Y/Y)Bank owned lifeinsurance income$289K (-47.55%↓ Y/Y)(accretion) of premiums anddiscounts on debt...-$273K (0.00%↑ Y/Y)

EAGLE FINANCIAL SERVICES INC (EFSI)

EAGLE FINANCIAL SERVICES INC (EFSI)