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Cash Flow Overview

Free Cash flow
-$25,706K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sale of strategic ...
    • Proceeds from sales of loans and...
    • Net (decrease) increase in depos...
    • Others
Negative Cash Flow Breakdown
    • Originations of strategic progra...
    • Net increase in loans receivable
    • Purchase of lease pools
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
2,132
2,735
3,915
4,890
Depreciation and amortization
1,211
1,143
1,212
1,148
Provision for credit losses
22,677
10,581
17,712
12,799
Noncash operating lease cost
201
200
199
197
Net (accretion) amortization of securities (discounts) and premiums
-3
-3
-2
1
Other
591
332
794
1,221
Gain on sale of loans, net
1,480
1,452
2,190
1,854
Originations of strategic program loans held-for-sale
1,376,526
1,671,625
1,444,255
1,699,949
Proceeds from sale of strategic program loans held-for-sale
1,335,345
1,684,337
1,454,665
1,690,769
Change in fair value of bfg
-200
-200
400
200
Impairment of sba servicing asset
110
144
202
507
Stock-based compensation expense
1,054
659
1,087
1,131
Noncash change in credit enhancement asset
8,528
967
11,197
8,745
Deferred income taxes
747
-250
863
867
Accrued interest receivable
-
-
1,748
-421
Other assets
5,150
4,769
8,572
685
Accrued interest payable
-
-
-1,887
773
Operating lease liabilities
-
-
-274
-273
Other liabilities
4,383
-1,398
1,263
3,858
Net cash used in operating activities
-25,706
19,709
8,077
3,453
Net increase in loans receivable
12,818
27,891
45,410
98,707
Purchase of investment securities available-for-sale
-
-
0
0
Purchase of lease pools
8,761
4,859
16,664
6,882
Purchase of bank premises and equipment, net
0
21
6
21
Purchase of assets subject to operating leases
0
0
0
-615
Proceeds from sales of loans held-for-investment
-
25,884
38,381
67,482
Proceeds from sales of loans and leases held-for-investment
50,917
-
-
-
Proceeds from sales of assets subject to operating leases
65
30
0
-420
Proceeds from maturities of securities available-for-sale
-
-
0
2,500
Proceeds from maturities and paydowns of securities held-to-maturity
507
541
693
635
Purchase of fhlb stock
0
141
1
0
Net cash used in investing activities
4,026
-6,457
-23,007
-34,798
Net (decrease) increase in deposits
18,943
-79,705
72,251
47,136
Common stock repurchased
421
-
0
0
Proceeds from exercise of stock options
179
0
452
9
Payment of taxes related to net share settlement of equity awards
330
-
0
273
Repayment of ppp liquidity facility
-
-
0
0
Net cash (used in) provided by financing activities
18,371
-79,705
72,703
46,872
Net change in cash and cash equivalents and restricted cash
-3,309
-66,453
57,773
15,527
Cash, cash equivalents and restricted cash, beginning of the period
96,947
163,400
105,627
109,162
Cash, cash equivalents and restricted cash, end of the period
93,638
96,947
163,400
105,627
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

Net (decrease)increase in deposits$18,943K (-79.00%↓ Y/Y)Proceeds from sales ofloans and leases...$50,917K Proceeds from exercise ofstock options$179K (795.00%↑ Y/Y)Proceeds from maturitiesand paydowns of...$507K (-61.74%↓ Y/Y)Proceeds from sales ofassets subject to...$65K (-92.68%↓ Y/Y)Net cash (used in)provided by financing...$18,371K (-79.59%↓ Y/Y)Net cash used ininvesting activities$4,026K (105.83%↑ Y/Y)Canceled cashflow$751K Canceled cashflow$47,463K Net change in cashand cash...-$3,309K (82.64%↑ Y/Y)Canceled cashflow$22,397K Proceeds from sale ofstrategic program loans...$1,335,345K (-47.01%↓ Y/Y)Provision for creditlosses$22,677K (181.28%↑ Y/Y)Other liabilities$4,383K (245.18%↑ Y/Y)Net income$2,132K (-70.74%↓ Y/Y)Depreciation andamortization$1,211K (-51.64%↓ Y/Y)Stock-based compensationexpense$1,054K (-22.56%↓ Y/Y)Noncash operating leasecost$201K (-1.95%↓ Y/Y)Change in fair value ofbfg-$200K (-128.57%↓ Y/Y)Impairment of sba servicingasset$110K (-48.84%↓ Y/Y)Net (accretion)amortization of securities...-$3K (-115.79%↓ Y/Y)Common stockrepurchased$421K Payment of taxes relatedto net share...$330K (35.80%↑ Y/Y)something is missing-$25,884K Net increase inloans receivable$12,818K (-70.91%↓ Y/Y)Purchase of lease pools$8,761K (-57.91%↓ Y/Y)Net cash used inoperating activities-$25,706K (35.66%↑ Y/Y)Canceled cashflow$1,367,316K Originations of strategicprogram loans...$1,376,526K (-46.55%↓ Y/Y)Noncash change in creditenhancement asset$8,528K (261.66%↑ Y/Y)Other assets$5,150K (258.56%↑ Y/Y)Gain on sale of loans,net$1,480K (-36.45%↓ Y/Y)Deferred income taxes$747K (-48.91%↓ Y/Y)Other$591K

Finwise Bancorp (FINW)

Finwise Bancorp (FINW)