FFIN: the cashflow

MyFinsight

For the quarter ending 2025-09-30, FFIN had -$57,566K decrease in cash & cash equivalents over the period. $83,671K in free cash flow.

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

Cash Flow	2025-09-30	2025-06-30
Net earnings	52,266	128,004
Depreciation and amortization	3,869	6,462
Provision for credit losses	24,435	6,660
Securities premium amortization, net	-9,691	-19,416
Gain on sale of securities and other assets, net	-122	171
Deferred federal income tax benefit	-1	11,685
Stock-based compensation	1,600	3,458
Net tax benefit from stock-based compensation	-135	-200
Change in loans held-for-sale	-6,990	24,200
Change in other assets	10,009	29,787
Change in other liabilities	-2,639	16,374
Total adjustments	34,193	10,097
Net cash provided by operating activities	86,459	138,101
Maturities	167,016	5,397,243
Purchases	493,773	5,596,052
Net increase in loans held-for-investment	189,068	163,111
Purchases of bank premises, equipment and software	2,788	4,687
Proceeds from sale of bank premises and equipment and other assets	103	1,103
Net cash used in investing activities	-518,510	-365,504
Net increase (decrease) in noninterest-bearing deposits	7,203	91,018
Net increase in interest-bearing deposits	390,629	258,224
Net decrease in repurchase agreements and borrowings	2,423	-126,840
Proceeds from stock option exercises/stock unit conversions/restricted stock activity	1,436	1,479
Dividends paid	27,206	51,529
Net cash provided by financing activities	374,485	172,352
Net (decrease) increase in cash and cash equivalents	-57,566	-55,051
Cash and cash equivalents at beginning of period	763,413	-
Cash and cash equivalents at end of period	650,796	-

Unit: Thousand (K) dollars