For the quarter ending 2025-09-30, JMSB had $46,719K increase in cash & cash equivalents over the period. $1,184K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 5,404 | 9,913 |
| Depreciation | 128 | 252 |
| Right of use asset amortization | 438 | 342 |
| Provision for (recovery of) credit losses | 357 | 707 |
| Share-based compensation expense | 120 | 238 |
| Net accretion of securities | 45 | 101 |
| Fair value adjustment on equity securities | -158 | -206 |
| Amortization of debt issuance costs | 21 | 42 |
| Net loss (gain) on premises and equipment | 0 | -3 |
| Deferred tax benefit | -82 | -255 |
| Gain on sale of government guaranteed loans | 106 | 97 |
| Decrease in accrued interest receivable | -25 | -152 |
| Decrease (increase) in other assets | -454 | 1,463 |
| Decrease in accrued interest payable | -411 | -114 |
| Increase (decrease) in other liabilities | -4,928 | 5,080 |
| Net cash provided by operating activities | 1,217 | 14,493 |
| Net (increase) decrease in loans | 22,630 | 45,749 |
| Net purchases of equity securities | - | 58 |
| Proceeds from sale of government guaranteed loans originally classified as held for investment | 1,544 | 1,105 |
| Purchase of available-for-sale securities | 0 | 13,987 |
| Proceeds from maturities, calls and principal repayments of available-for-sale securities | 10,115 | 21,640 |
| Proceeds from maturities, calls and principal repayments of held-to-maturity securities | 947 | 1,690 |
| Net purchases of restricted securities | 6 | - |
| Net sales of equity securities | 363 | - |
| Proceeds from sale of premises and equipment | 0 | 47 |
| Net (purchases) redemptions of restricted securities | - | 3 |
| Purchases of bank premises and equipment | 33 | 503 |
| Net cash (used in) provided by investing activities | -9,639 | -35,818 |
| Net increase in deposits | 71,935 | 4,478 |
| Cash dividends paid | 0 | 4,270 |
| Proceeds from (repayment of) federal funds purchased | - | 16,500 |
| Issuance of common stock for share options exercised | 0 | 446 |
| Repurchase of shares for tax withholding on share-based compensation | 0 | 15 |
| Repurchase of common stock | 294 | 1,357 |
| Net cash provided by financing activities | 55,141 | 15,782 |
| Net increase in cash and cash equivalents | 46,719 | -5,543 |
| Cash and cash equivalents at beginning of period | 122,469 | - |
| Cash and cash equivalents at end of period | 163,645 | - |
John Marshall Bancorp, Inc. (JMSB)
John Marshall Bancorp, Inc. (JMSB)