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Cash Flow Overview

Change in Cash
$70,402K
Free Cash flow
$49,646K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Loan originations and principal ...
    • Available For Sale
    • Proceeds from sale of dus busine...
    • Others
Negative Cash Flow Breakdown
    • Purchases
    • Cash dividends paid
    • Net increase (decrease) in depos...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
57,701
44,090
124,302
141,437
Provision (reversal of provision) for credit losses on loans
-904
7,593
-22,160
42,663
Originations of loans held for sale and principal collections, net
32,154
52,583
60,627
61,287
Proceeds from sales of loans held for sale
33,979
55,063
111,390
46,993
Net fair value adjustment and gain on sale of loans held for sale
-2,477
-1,143
-1,665
-659
Provision (reversal of provision) for credit losses on unfunded lending commitments
-1,863
174
-1,316
329
Amortization (accretion) of premiums and discounts on investment securities
2,017
2,008
1,794
-3,178
Depreciation of premises and equipment
3,367
3,378
3,512
7,108
Amortization of intangible assets
7,207
7,222
7,479
9,655
Amortization of premiums and discounts on debt and deposits
-
-
1,678
700
Net loss on debt extinguishment
-
-
0
-835
Amortization of premiums and discounts on debt and deposits
1,476
1,674
-
-
Share-based compensation expense
1,481
1,338
4,807
785
Increase in cash surrender value of bank-owned life insurance
1,305
1,336
1,207
3,198
Net gain on sales and calls of investment securities
31
52
276
4,292
Net loss on sale, disposal and write-down of other real estate owned
-4
-332
1,128
-3,442
Net loss on sale and disposal of premises and equipment
-587
-
0
-100
Deferred income tax expense (benefit)
-30,239
8,672
14,855
-3,844
Amortization of deferred loan fees and costs
-1,877
-2,125
-2,218
-9,909
Amortization (accretion) of premiums and discounts on purchased loans
12,934
12,836
-
-
Amortization of premiums and discounts on purchased loans
-
-
14,790
7,959
Gain on sale of dus business line
911
-
-
-
Origination, amortization and change in fair value of msrs, net
-434
1,832
2,594
1,108
Net decrease in trading securities
-4,158
724
-691
98
Bargain purchase gain
-
-
55,097
90,363
Interest receivable and other assets
-8,049
6,789
-23,743
-53,598
Interest payable and other liabilities
18,172
-44,620
-23,286
-70,471
Net cash provided by operating activities
52,789
11,402
113,923
79,669
Purchases
350,230
141,552
646,520
561,139
Sales
0
-
1,644
930,123
Available For Sale
169,156
172,032
163,487
252,179
Held To Maturity
26,315
22,694
26,566
77,720
Loan originations and principal collections, net
281,853
324,111
239,207
835,542
Purchases of loans
3,139
3,478
-126,132
172,296
Recoveries of loans charged-off
3,017
3,089
3,320
9,213
Proceeds from sales of loans
-1
7,538
39,204
-
Proceeds from the settlement of bank-owned life insurance
-
-
31
6,748
Proceeds from sales of other real estate owned
2,442
-
0
13,303
Proceeds from sales of premises and equipment
730
-
0
887
Purchases of premises and equipment
3,143
2,640
3,490
3,023
Proceeds from sale of dus business line
125,820
-
-
-
Redemptions of federal home loan bank stock
2
3
2
49,873
Net cash acquired in merger
-
-
0
156,890
Net cash provided by investing activities
252,822
381,797
-50,417
1,596,020
Net increase (decrease) in deposits
-153,203
-782,101
-427,609
-232,753
Repayment of long-term fhlb advances
-
-
0
1,000,000
Net decrease in bank term funding
-
-
0
0
Repayment of senior notes
0
65,000
-
-
Repayment of subordinated debt
-
-
0
0
Net change in short-term borrowings
80,000
-
-
-
Cash dividends paid
162,006
92,568
48,561
0
Net cash provided by (used in) financing activities
-235,209
-939,669
-476,170
-1,232,753
Net increase (decrease) in cash and cash equivalents
70,402
-546,470
-412,664
442,936
Cash and cash equivalents at beginning of period
483,513
1,029,983
1,442,647
999,711
Cash and cash equivalents at end of period
553,915
483,513
1,029,983
1,442,647
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

Loan originationsand principal...$281,853K Net income$57,701K Available For Sale$169,156K Proceeds from sale of dusbusiness line$125,820K Held To Maturity$26,315K Recoveries of loanscharged-off$3,017K Proceeds from sales ofother real estate...$2,442K Proceeds from sales ofpremises and equipment$730K Redemptions of federal homeloan bank stock$2K Proceeds from sales ofloans held for sale$33,979K Interest payable andother liabilities$18,172K Interest receivable andother assets-$8,049K Amortization of intangibleassets$7,207K Net decrease intrading securities-$4,158K Depreciation of premises andequipment$3,367K Amortization of deferred loanfees and costs-$1,877K Share-based compensationexpense$1,481K Amortization of premiums anddiscounts on debt and...$1,476K Net loss on sale anddisposal of premises and...-$587K Net loss on sale,disposal and write-down...-$4K Net cash provided byinvesting activities$252,822K Net cash provided byoperating activities$52,789K Canceled cashflow$356,513K Canceled cashflow$85,269K Net increase(decrease) in cash and cash...$70,402K Canceled cashflow$235,209K Purchases$350,230K Purchases of premises andequipment$3,143K Purchases of loans$3,139K Proceeds from sales ofloans-$1K Net change inshort-term borrowings$80,000K Originations of loans held forsale and principal...$32,154K Deferred income taxexpense (benefit)-$30,239K Amortization (accretion) ofpremiums and discounts on...$12,934K Net fair valueadjustment and gain on sale...-$2,477K Amortization (accretion) ofpremiums and discounts on...$2,017K Provision (reversal ofprovision) for credit...-$1,863K Increase in cashsurrender value of...$1,305K Gain on sale of dusbusiness line$911K Provision (reversal ofprovision) for credit...-$904K Origination, amortizationand change in fair...-$434K Net gain on sales andcalls of investment...$31K Net cash provided by(used in) financing...-$235,209K Canceled cashflow$80,000K Cash dividends paid$162,006K Net increase(decrease) in deposits-$153,203K

Mechanics Bancorp (MCHB)

Mechanics Bancorp (MCHB)