ESQ: the cashflow

MyFinsight

For the quarter ending 2025-09-30, ESQ had $77,786K increase in cash & cash equivalents over the period. $16,245K in free cash flow.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	14,057	23,297
Provision for credit losses	1,750	5,025
Depreciation and amortization of premises and equipment	325	524
Stock compensation expense	1,303	2,280
Net gain on equity investments	0	432
Securities	109	248
Loans	27	53
Right of use asset	190	373
Software	424	927
Accrued interest receivable	598	967
Other assets	3,125	5,687
Operating lease liability	-227	-443
Accrued expenses and other liabilities	2,569	1,205
Net cash provided by operating activities	16,750	26,297
Net change in loans	39,047	117,467
Purchases of securities available-for-sale	7,402	31,069
Principal repayments on securities available-for-sale	10,622	20,090
Principal repayments on securities held-to-maturity	2,156	4,140
Purchases of securities, restricted	0	139
Proceeds from equity investment	0	1,232
Purchase of equity investment	0	700
Purchases of premises and equipment	505	2,316
Development of capitalized software	873	1,191
Net cash used in investing activities	-35,049	-127,420
Net increase in deposits	97,112	140,092
Decrease in borrowings	1	1
Exercise of stock options, net of repurchases	395	480
Cash dividends paid to common stockholders	1,421	2,804
Net cash provided by financing activities	96,085	137,767
Increase (decrease) in cash and cash equivalents	77,786	36,644
Cash and cash equivalents at beginning of period	126,329	-
Cash and cash equivalents at end of period	240,759	-

Unit: Thousand (K) dollars