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Cash Flow Overview

Change in Cash
-$27,427K
Free Cash flow
$4,087K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sale of loans held...
    • Net increase in noninterest bear...
    • Net decrease (increase) in loans
    • Others
Negative Cash Flow Breakdown
    • Repayments of long-term federal ...
    • Net (decrease) increase in time ...
    • Origination of loans held for sa...
    • Others

Cash Flow
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Net income
3,740 4,334 5,584 -1,704
Depreciation
204 198 193 389
Amortization of other assets
251 -284 79 543
Provision for credit losses on loans
NaN NaN 1,131 2,002
Origination of loans held for sale
24,588 24,574 27,803 42,521
Proceeds from sale of loans held for sale
25,171 24,091 28,653 43,418
Net (gain) on sales of loans
1,012 830 1,012 1,528
Provision for credit losses
1,961 3,701 NaN NaN
(gain) on the sale of portfolio loans
0 0 0 5
Loss on sale of other real estate owned
NaN -51 NaN NaN
Loss on the sale and disposal of premises and equipment
0 1 2 16
Loss on the sale of repossessed assets
-39 -169 0 -133
Loss on the sale of securities
0 0 0 12,425
Amortization of subordinated debt issuance costs
17 17 17 33
Stock-based compensation expense
413 299 304 613
(gain) on bank-owed life insurance settlement
NaN 0 0 0
(accretion) amortization of premiums and discounts on debt securities and loans, net
-242 -184 -213 -273
Deferred tax accrual
NaN 221 NaN NaN
Bank owned life insurance income
284 280 268 551
Decrease in other assets
-973 -3,226 1,475 539
(decrease) increase in other liabilities
-2,347 2,155 3,018 -4,085
Net cash provided by operating activities
4,296 9,178 8,210 8,366
Proceeds from maturities, calls, and principal payments of securities available for sale
13,302 2,898 12,865 6,899
Proceeds from the sale of securities available for sale
0 0 0 86,822
Purchases of securities available for sale
9,824 500 10,999 91,155
Proceeds from bank-owned life insurance settlement
NaN 0 0 0
Proceeds from the sale of restricted investments
1,931 0 0 3,815
Purchases of restricted investments
20 0 0 44
Purchases of bank premises and equipment
209 227 380 799
Proceeds from the sale of other real estate owned
NaN 254 NaN NaN
Proceeds from the sale of bank premises and equipment
0 0 0 40
Proceeds from the sale of repossessed assets
96 1,041 0 381
Changes in collateral posted with other financial institutions, net
NaN 0 NaN NaN
Proceeds from the sale of portfolio loans
18,772 NaN 0 -18,772
Net decrease (increase) in loans
-14,103 -18,772 NaN NaN
Net decrease in loans
NaN NaN NaN 8,290
Origination of loans, net of prinicpal collected
NaN -14,090 -16,066 NaN
Funding of capital commitments related to other investments
0 0 0 -492
Net cash provided by investing activities
19,379 -10,624 -22,870 32,529
Net increase in noninterest bearing demand deposits, savings, and interest bearing demand deposits
22,713 -47,963 -94,287 217,456
Net (decrease) increase in time deposits
-31,854 275 -17,189 -26,088
Net increase in federal funds purchased
NaN NaN -71 172
Repayments of short-term federal home loan bank advances
NaN NaN 0 -25,000
Net (decrease) increase in short-term federal home loan bank advances
NaN 25,000 NaN NaN
Repayments of long-term federal home loan bank advances
-40,000 0 0 -55,000
Advances of long-term federal home loan bank advances
NaN NaN 0 NaN
Net proceeds from issuance of common stock in public offering
0 0 0 53,501
Repurchase and retirement of common stock
284 33 0 315
Cash dividends paid
1,677 1,667 1,666 2,778
Net cash (used in) provided by financing activities
-51,102 -49,489 -113,213 161,948
(decrease) increase in cash and cash equivalents
-27,427 -50,935 -127,873 202,843
Beginning
217,194 -74,970 193,159 NaN
Ending
189,767 -50,935 268,129 NaN
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

something is missing$18,772K Net decrease(increase) in loans-$14,103K Proceeds from sale ofloans held for sale$25,171K Proceeds frommaturities, calls, and...$13,302K Proceeds from the sale ofrestricted investments$1,931K Proceeds from the sale ofrepossessed assets$96K Net income$3,740K Provision for creditlosses$1,961K Decrease in other assets-$973K Stock-based compensationexpense$413K Amortization of other assets$251K Depreciation$204K Loss on the sale ofrepossessed assets-$39K Amortization of subordinateddebt issuance costs$17K Net cash provided byinvesting activities$19,379K Net cash provided byoperating activities$4,296K Canceled cashflow$28,825K Canceled cashflow$28,473K (decrease) increase in cashand cash...-$27,427K Canceled cashflow$23,675K Net increase innoninterest bearing demand...$22,713K Proceeds from the sale ofportfolio loans$18,772K Purchases of securitiesavailable for sale$9,824K Purchases of bank premisesand equipment$209K Purchases of restrictedinvestments$20K Origination of loans held forsale$24,588K (decrease) increase inother liabilities-$2,347K Net (gain) on salesof loans$1,012K Bank owned lifeinsurance income$284K (accretion) amortization ofpremiums and discounts on...-$242K Net cash (used in)provided by financing...-$51,102K Canceled cashflow$22,713K Repayments of long-termfederal home loan bank...-$40,000K Net (decrease)increase in time deposits-$31,854K Cash dividends paid$1,677K Repurchase and retirementof common stock$284K

EAGLE FINANCIAL SERVICES INC (EFSI)

EAGLE FINANCIAL SERVICES INC (EFSI)