For the year ending 2025-12-31, EFSI had $24,035K increase in cash & cash equivalents over the period. $24,348K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 8,214 |
| Depreciation | 780 |
| Amortization of other assets | 338 |
| Origination of loans held for sale | 94,898 |
| Proceeds from sale of loans held for sale | 96,162 |
| Net (gain) on sales of loans | 3,370 |
| Provision for credit losses | 3,701 |
| (gain) on sale of portfolio loans | 5 |
| Loss on sale of other real estate owned | -51 |
| Loss (gain) on the sale and disposal of premises and equipment | 19 |
| Loss on the sale of repossessed assets | -302 |
| Loss on the sale of securities | 12,425 |
| Amortization of subordinated debt issuance costs | 67 |
| Stock-based compensation expense | 1,216 |
| (accretion) amortization of premiums and discounts on debt securities and loans, net | -670 |
| Bank owned life insurance income | 1,099 |
| (gain) on bank-owed life insurance settlement | 0 |
| Deferred tax accrual | 221 |
| Decrease in other assets | -1,212 |
| Increase in other liabilities | 1,088 |
| Net cash provided by operating activities | 25,754 |
| Proceeds from maturities, calls, and principal payments of securities available for sale | 22,662 |
| Proceeds from the sale of securities available for sale | 86,822 |
| Purchases of securities available for sale | 102,654 |
| Proceeds from the sale of restricted investments | 3,815 |
| Purchase of restricted investments | 44 |
| Proceeds from bank-owned life insurance settlement | 0 |
| Proceeds from the sale of bank premises and equipment | 40 |
| Purchases of bank premises and equipment | 1,406 |
| Proceeds from the sale of other real estate owned | 254 |
| Proceeds from the sale of repossessed assets | 1,422 |
| Changes in collateral posted with other financial institutions, net | 0 |
| Proceeds from the sale of portfolio loans | -18,772 |
| Origination of loans, net of prinicpal collected | -30,156 |
| Funding of capital commitments related to other investments | -492 |
| Net cash (used in) provided by investing activities | -965 |
| Net increase (decrease) in demand deposits, money market and savings accounts | 75,206 |
| Net (decrease) increase in certificates of deposit | -43,002 |
| Net (decrease) increase in short-term federal home loan bank advances | 25,000 |
| Repayment) of long-term federal home loan bank advances | -55,000 |
| Net proceeds from issuance of common stock in public offering | 53,501 |
| Repurchase and retirement of common stock | 348 |
| Cash dividends paid | 6,111 |
| Net cash (used in) provided by financing activities | -754 |
| Increase in cash and cash equivalents | 24,035 |
| Beginning | 193,159 |
| Ending | 217,194 |
EAGLE FINANCIAL SERVICES INC (EFSI)
EAGLE FINANCIAL SERVICES INC (EFSI)