For the quarter ending 2025-09-30, EFSI had -$127,873K decrease in cash & cash equivalents over the period. $7,830K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 5,584 | -1,704 |
| Depreciation | 193 | 389 |
| Amortization of other assets | 79 | 543 |
| Origination of loans held for sale | 27,803 | 42,521 |
| Proceeds from sale of loans held for sale | 28,653 | 43,418 |
| Net (gain) on sales of loans | 1,012 | 1,528 |
| Provision for credit losses on loans | 1,131 | 2,002 |
| (gain) on the sale of portfolio loans | 0 | 5 |
| Loss on the sale and disposal of premises and equipment | 2 | 16 |
| Loss on the sale of repossessed assets | 0 | -133 |
| Loss on the sale of securities | 0 | 12,425 |
| Amortization of subordinated debt issuance costs | 17 | 33 |
| Stock-based compensation expense | 304 | 613 |
| (accretion) amortization of premiums and discounts on debt securities and loans, net | -213 | -273 |
| Bank-owned life insurance income | 268 | 551 |
| (gain) on bank-owned life insurance settlement | 0 | 0 |
| (increase) decrease in other assets | 1,475 | 539 |
| (decrease) increase in other liabilities | 3,018 | -4,085 |
| Net cash provided by operating activities | 8,210 | 8,366 |
| Proceeds from maturities, calls, and principal payments of securities available for sale | 12,865 | 6,899 |
| Proceeds from the sale of securities available for sale | 0 | 86,822 |
| Purchases of securities available for sale | 10,999 | 91,155 |
| Proceeds from the sale of restricted investments | 0 | 3,815 |
| Purchases of restricted investments | 0 | 44 |
| Proceeds of bank-owned life insurance settlement | 0 | 0 |
| Purchases of bank premises and equipment | 380 | 799 |
| Proceeds from the sale of bank premises and equipment | 0 | 40 |
| Proceeds from the sale of repossessed assets | 0 | 381 |
| Proceeds from the sale of portfolio loans | 0 | -18,772 |
| Net decrease in loans | - | 8,290 |
| Origination of loans, net of principal collected | -16,066 | - |
| Funding of capital commitments related to other investments | 0 | -492 |
| Net cash provided by (used in) investing activities | -22,870 | 32,529 |
| Net increase (decrease) in noninterest bearing demand deposits, savings, and interest bearing demand deposits | -94,287 | 217,456 |
| Net (decrease) increase in time deposits | -17,189 | -26,088 |
| Net increase in federal funds purchased | -71 | 172 |
| Repayments of short-term federal home loan bank advances | 0 | -25,000 |
| Repayments of long-term federal home loan bank advances | 0 | -55,000 |
| Advances of long-term federal home loan bank advances | 0 | - |
| Net proceeds from issuance of common stock in public offering | 0 | 53,501 |
| Repurchase and retirement of common stock | 0 | 315 |
| Cash dividends paid | 1,666 | 2,778 |
| Net cash provided by financing activities | -113,213 | 161,948 |
| Increase in cash and cash equivalents | -127,873 | 202,843 |
| Cash and cash equivalents at beginning of period | 193,159 | - |
| Cash and cash equivalents at end of period | 268,129 | - |
EAGLE FINANCIAL SERVICES INC (EFSI)
EAGLE FINANCIAL SERVICES INC (EFSI)